23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding Transunion 's handling of fraudulent accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my consumer report. Despite my compliance with all legal procedures, Transunion failed to remove the fraudulent accounts, citing, " Verified As Accurate. '' Under FCRA 611 ( 15 U.S.C. 1681i ), I request written confirmation that this fraudulent account has been blocked and removed as required by the FTC Identity Theft Affidavit. Additionally, I seek a detailed explanation as to why these accounts were not removed initially, despite my submission of the necessary documents, including my ID, Social Security, proof of address, and the original FTC Identity Theft report. I also request disclosure of the method of investigation used, as mandated by FCRA 611. I expect Transunion to complete its investigation and provide all requested documentation within the four-business-day timeframe required under FCRA 605B. Your prompt resolution of this matter is appreciated. Please reference my previous disputes as proof of submitting proper documentation required. On [ XX/XX/XXXX ] Complaint # XXXX and on [ XX/XX/XXXX ] Complaint # XXXX.
Product: Mortgage

- On XX/XX/XXXX, I submitted my monthly mortgage payment through SLS 's website. The payment amount requested was {$75.00} more than usual. The site included no explanation for the extra charge. To avoid adverse action, I paid the amount requested. - On XX/XX/XXXX XXXX XXXX., I called SLS 's customer service line ( XXXX ) to request more information about the fee. I was told only that it was an attorney fee, and the representative was unable to provide any further information. I informed the representative that I was disputing the charge and asked that, if it was valid, that they provide the relevant portion of the mortgage contract authorizing the charge. I was told to e-mail a dispute to XXXX, which I did at XXXX XXXX the same day. - On XX/XX/XXXX XXXX XXXX., I called again to check on the status of my dispute. I was informed that they had not received it. This time, I was asked to send my dispute to XXXX, which I did at XXXX XXXX. The representative expressed confusion that she was still not seeing the e-mail and said she would call me back in approximately 20 minutes. She never did. - On XX/XX/XXXX XXXX XXXX., I called again to check on the status of my dispute. I was informed for the first time that they did not consider e-mails an official written dispute and was asked to fax a request to XXXX. After further review, however, the representative informed me that the charge had been transferred over from my previous mortgage provider and that I would have to pursue the matter with them.
Product: Debt collection

I sent a certified verification of debt letter to the Medical Business Bureau. Unfortunately, the bureau failed to provide any documentation with my signature verifying this debt. I can not pay and will not pay anything that can not be verified. I requested detailed documentaion and the Bureau could not proivde this info.
Product: Student loan

I submitted updated income information for the PAYE Plan to Nelnet. I anticipated making an on-time payment under my then REPAYE plan as a qualifying payment toward Public Service Loan Forgiveness. This payment was due XX/XX/XXXX. 

On XX/XX/XXXX, Nelnet sent me a disclosure that my IDR request had been accepted and that I was being placed on an Administrative Forbearance for a month. It stated I had the right to have the forbearance removed. I had not authorized this forbearance, making it invalid. 

I made several requests to have the forbearance removed, and was initially told that that was not even an option. Then I was quoted several different payments due immediately if I wanted to go into repayment, including one of over {$1000.00} ( which was totally incorrect ). They also suggested at one point that they put me in the standard repayment plan in order to make a XX/XX/XXXX payment, even though they later then admitted that I would then have to reapply to PAYE if  I did that. 

Finally, I was advised to call in and ask for a manager, who told me that they could remove the forbearance, but that that I would owe a payment of {$90.00}. I was fine with that. However, they also stated that even though I would owe that money I would not be on a payment plan of any kind ( including the standard repayment plan, which qualifies toward Public Service Loan Forgiveness ) and therefore the payment would not count toward Public Service Loan Forgiveness. Despite Nelnet 's claims, it is not possible to owe a student loan payment and not be in some kind of repayment plan.

Nelnet is just putting people into administrative forbearances in order to make money off of the capitalized interest. Their refusal to put me back into repayment program is an unfair, deceptive, and abusive practice and violates other applicable laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off an auto loan in XX/XX/XXXX, over the duration of the loan I paid extra on the auto loan and also made two payments in the same month. I recently discovered that a late payment was recorded to my credit history in XX/XX/XXXX. Ally never contacted me to inform me they reported a late payment on my credit history so I was not aware of the issue until I applied for a mortgage in XX/XX/XXXX. I was also informed by Ally today that the extra principle payments I made during my loan term were never applied towards my principle. Ally was taking the principle payments and pushing the payment out several months and charging me interest on the auto loan.
Product: Debt collection

I am disputing the collections on my account as it is not my address and I never lived there and it is not my charge. 

CREDIT MANAGEMENT LP XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX thank you, XXXX XXXX XXXX
Product: Debt collection

I entered an agreement to pay XXXX monthly towards my debt until XX/XX/XXXX.

On XX/XX/XXXX the agreement expired and would need to be re-negotiated. Because of personal heath issues ( my husband had a work injury / my son had XXXX ), I didn't not remember to contact the collection company NOR did they try and contact me by phone or mail until XX/XX/2021 when they reported to the credit bureaus. 
When I learned of this issue I immediately called the collection to remedy the situation - work out a payment plan and have account removed from my credit. The only way they would remove it is if I submitted payment. My debt is XXXX and will address the payment accordingly. 
my issue is that Astro Recovery didn't try to contact me prior to sending my account to credit reporting agency and given my husband illness / my sons illness and my work, it was not in mind. Had this company done there job, I would have reached a solution prior to reporting the account to credit bureaus. 
Please note that Ad Astro Recovery has a history of not contacting the affected at least in my case - i was the one trying to reach them. Since i didnt want this to be submitted to credit bureaus.

this action caused by credit score to drop by 75 points and can potentially affect my future employment.

i would like this company to remove the account from the credit reporting in lieu of a reasonable payment agreement. Ad Astro Rec would only agree to remove from credit of payment in full for an agreed amount. best settlement given was XXXX and 3mths to pay. I consider this to be super unreasonable considering the current personal situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items are found to be erroneous in my credit report. I would like to seek your help to have these items blocked from reporting in my credit report. All the accounts listed below were closed and fully paid to the creditors but the Bureaus kept on reporting the same accounts without supporting documents submitted to me. Besides, they have failed to contact me about the issue which I have already addressed to them in my previous letters. Have these items removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Apple Card. I became aware XX/XX/XXXX. I had never heard of the card. I have not received the amount charged or account number. I have filed a fraud report and police report. 

They also used my XXXX card. They have closed this account and placed charges in non collection.
Product: Checking or savings account

I have had a checking account with Chase that I use off and on for several years now. In XX/XX/2023 it did not have any balance attached to it for but suddenly got hit with a {$12.00} " Monthly Service Fee '' which would have become and overdraft fee if I hadn't caught it. Chase reversed the fee but it should be illegal for banks to charge fees like this. I have closed my account with Chase.
Product: Debt collection

To whom it may concern, upon the review of my credit report on XX/XX/XXXX I noticed the following organization Caine Weiner listed an entry on XX/XX/XXXX. I have never done business with this organization and would like to see this entry removed.
Product: Checking or savings account

*i have recorded calls of all of these conversations* on thursday ( XX/XX/XXXX ) a purchase was made and never appeared until the next day. I called and spoke to XXXX XXXX about their " grace period '' on overdrafting accts. who said this ( at the time - $ XXXX.xx ) would be due Monday before midnight. saturday ( XX/XX/XXXX ) an overdraft occurred to my account of - {$37.00}. I called and was directed to drive to the branch. the branch said this has nothing to do with them, then spent hours on the phone finally resolving the issue by " XXXX '' stating she will waive the o.d. fee as long as I deposit whatever I owe, minus the {$37.00}.
I call today (XX/XX/XXXX) to verify this and now they want to play games saying this " miscellaneous refund '' was from XX/XX/XXXX( Friday ) and I will not receive a refund from XX/XX/XXXX, because " people make mistakes ... she must have not seen the refund ''. they are completely trying to scam people and allow representatives of a company lie and " sweep it under the rug '', while I do not have {$37.00} to deposit, which will continue to obtain daily fees.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. This creator XXXX XXXX  has violated my rights under 15 usc1681 section 602 states I have the right to privacy 15 usc 1681 section 604a section 2 it also states a consumer reporting agent can not furnish a account without my written instructions under 15 usc166b a creditor can not treat a payment on a credit card account under a open and consumer plan act. As late for any purpose can you help wit that
Product: Money transfer, virtual currency, or money service

On or around XX/XX/2020, I purchase a device via QuadPay at XXXX XXXX. The purchase required an initial deposit of {$83.00} and three additional installments of {$83.00}. 
On XX/XX/2020, I returned the item to the merchant ( XXXX XXXX ). The merchant provided an approval code ( XXXX ). 

That same day, I notified QuadPay of the return. QuadPay instructed me to wait until the merchant had refunded the account. This has not occurred ( even though it has been more than three weeks ). 

To proactively advocate for the refund, I contacted QuadPay many times and through various communication methods ( telephone and chat ) without avail. 

The total amount to refund is {$310.00} I asked politely for this amount to be refunded but no one responded to my inquiries. 

I also would like to highlight retaliation practices or blocking consumers for voicing their concerns to public entities. Please help us by securing our freedoms are respected!
Product: Credit reporting or other personal consumer reports

I just want to know why the 3 credit agencies are allowed to only raise a person 's score by XXXX points when always being on time and never missing a payment. But I started working with a credit card debt company and XXXX drops my score XXXX points. They are so quick to drop my score but no one can get a good credit score because they take forever to raise it and then only raise it XXXX point.
Product: Mortgage

I am trying to qualify for a loan to build ( and get a with a take out mortgage too ) my residence on a small XXXX I own. I have been told that by federal banking laws, I can not use any of the net income on the XXXX to qualify for the loan. I do not understand why this should be true. Is it?

Without the house, there is {$7000.00} of property taxes on the land, mostly attributed to the value of the XXXX. The bank says all of the property tax obligation under federal banking laws must be included in my residential tax obligation, even though it is fully paid by the XXXX income, which I can not include in my income. I think only the additional property tax associated with the new residence should be included.

I asked my XXXX credit association. They can only lend me money for my XXXX activity, which they do. They can not lend for the residence because most of my income is from non XXXX activities.

I had three loan brokers tell me they can not lend based on the XXXX income and that I had to include the full property taxes in my annual expenses and could not any off set for the XXXX   income.

This does not seem just. Can you please look into it. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being. I have rights under 15 USC 1681. XXXX  is govern by 15 USC 1681. And the violated my rights numerous of times. I demand the accounts listed below to be remove because According to 15 USC 1681 : I have the right to privacy and I did not give written permission to furnish these accounts. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights.. XXXX XXXX XXXX XXXX XXXX has violated my rights. XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, has violated my rights. Account name XXXXXXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I've contacted Equifax several times about and ongoing problem with Equifax reporting all of my accounts XXXX of my accounts haven't been properly reported. I've bought this situation to Equifax several times and they won't comply with the information that I've sent in and submitted to the website. The conversation that I had with several of the rep I explained that it was unauthorized dispute without my permission and in result of that XXXX of XXXX XXXX account was deleted from my credit file only on Equifax. A XXXX XXXX Credit Card and XXXX accounts that aren't reporting on my Equifax credit file
Product: Checking or savings account

Prosperity Bank! My spouse used his card at a XXXX 's XXXX in XXXX XXXX. It declined as a debit, so he tried as a credit transaction. It also declined. Sometimes we do have trouble using our cards at different stores. He next tried his XXXX card. Same thing. He contacted both banks, XXXX was fixed within days, since it was evident that it was fraud. However, Prosperity is claiming that they needed a police report, so that was taken care of. We are being told that the signature for the fraudulent transaction is clearly not my husband 's, but that the third party that Prosperity Bank uses to investigate fraud has closed the investigation anyway. No explanation why. He has called several times with no reasoning of what happened. Looking back on our account, we have been charged {$20.00} overdraft fees throughout the account, when clearly there was money in the account. And, the overdraft fee is {$35.00}, not {$20.00}, so this doesn't add up AT ALL! We are just being ran in circles with promises of an investigation, but nothing. It's so disgusting that a bank can do this with MY money! How was XXXX able to fix his account because of the clarity of FRAUDULENT activity, but not Prosperity -- even admittedly by Prosperity that the signature on file DOES NOT match???!!!
Product: Credit reporting or other personal consumer reports

There are numerous inquiries in my report that i don't recognize. These are fraud and i want them to be removed as soon as possible. I am in the process of making my home improvement and i can't move forward because of those inquiries. Kindly remove them as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

We escrow our taxes through our mortgage company. We got a notice that our house was going to Sheriff Sale for failure to pay taxes. Freedom Mortgage claims they sent in the taxes but the county never received them. When we called to find out what was going on the customer service representative said it had to go through their tax department who can not take incoming calls! Can not take incoming calls?!?!? ITS TAX SEASON Freedom Mortgage is screwing us out of a deduction and they are telling us that they will respond by XX/XX/XXXX. A little passed our tax deadline. We then find out that they sent the payment to the wrong account number to the county. They hold the mortgage to our house and do n't even know where it is! We can not get any resolution to the problem because we ca n't speak to any one in the " tax department '' they have to " call you back ''. This is absolutely the most ridiculous thing I have ever heard! We are going to lose a tax deduction and are going to have to pay penalties for late payment and the best they can come up with is the tax department has until XX/XX/XXXX to respond? We have no where else to turn. These folks seem to think we have hours to spend on the phone trying to get answers! This is a very frustrating issue!
Product: Credit reporting or other personal consumer reports

On or about XX/XX/XXXX a XXXX account was opened in my name. This account was closed on or about XX/XX/XXXX. This account is fraud and identity theft. I did not open this account and I did not authorize any other party to open this account in my name. This account was reported on my credit reports on or about XXXX of XXXX XXXX year later. I discovered this fraudulent account in my name after applying for a mortgage loan at which time it appeared as a charge off account. Upon attempting to get information on this account from XXXX as I was not able to open the account information through the credit bureaus as it was reported as a charge off, XXXX refused to give me any information as they could not verify my identity as per the information on account in comparison to my personal identifiers. I filed a dispute with XXXX and the XXXX and was contacted by a rep in the consumer relations department who advised that she had investigated the account and they determined that the account was valid and verified. The address on this account is reported as XXXX XXXX XXXX XXXX, VA XXXX. This address is one of the XXXX XXXX located in XXXX XXXX XXXX XXXX phone number ( XXXX ) XXXX. In as much as XXXX has alleged this account is mine and I am responsible for this I am not. Because XXXX did not want to take the time to investigate this account and the validity of this account I took on this task myself and did their job for them. On XX/XX/XXXX I reached out this XXXX location and spoke with and employee by the name of XXXX. XXXX advised me that they have no association or affiliation with XXXX and it was not possible that I could have had an account in my name at that location because I would not have been able to receive goods, services or bills there as I have no affiliation with this store. On XX/XX/XXXX I reached out again to the store and spoke with XXXX the store manager who also advised that they have no affiliation with XXXX. They do have mailboxes but there are no records of any such mailbox in my name from XXXX to present. This account fraudulent and one of identity theft and is damaging my credit and is in violation of the FCRA. XXXX has never taken the time to properly investigate this account to determine the validity of the account or verify the information to accurate. I have consulted with a consumer attorney and am in possession of a retainer agreement and have agreed to allow him to represent me and have this and other matters to the federal court at which time I will seek damages and an order to remove this account from my name and my credit reports. This is my last effort to have the account removed from my name by XXXX and my credit reports updated to reflect this removal or I will have no other alternative but to have this heard in the federal courts.
Product: Debt collection

I am not sure how old this debt is I believe from XXXX or XXXX for XXXX. I have tried to resolve the issue over and over by talking to Midland Credit Management and explained to them that I do not have a job right now. I have been looking but to no avail at the moment. They continue to try to set up a payment plan and have threatened to sue me for it a couple times, recently sending an email about it today. The amount is {$1600.00} Actions taken were I did pay once before I lost employment and haven't been able to since, they have called a lot from different XXXX numbers and emailed me with a legal notice if I don't pay or hear from me by XXXX XXXX. I have talked to them by phone and they keep trying to get another debt that they are not trying to sue me for which is for XXXX XXXX for {$670.00} When I mentioned about the XXXX debt they refused to go over to it because they wanted me to set up a payment plan for that one as well.