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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX Mailing : TransUnion LLC Fraud Victim Assistance Department Consumer Fraud Division XXXX XXXX XXXX. XXXX, GA XXXX TransUnion LLC Consumer Dispute Center po box XXXX XXXX, PA XXXX Dear TransUnion, I am writing to follow up on our previous communication regarding inaccuracies in my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ), I have meticulously identified several discrepancies in the information reported by TransUnion, particularly concerning the following accounts : - Acct : 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 and foremost, I would like to draw your attention to the precedent set by the case of XXXX XXXX Trans Union LLC ( XXXX ), wherein TransUnion was held liable for inaccurately reporting on accounts that should have been deleted, thus constituting a violation of the FCRA. Moreover, the recent case of United States XXXX TransUnion LLC ( XXXX ) underscores TransUnion 's recurrent violations of the FCRA, resulting in substantial penalties and damages awarded to affected consumers. 

Upon thorough examination of my credit report, I have discerned the following violations : XXXX. **Fair Debt Collection Practices Act ( FDCPA ) ** : - Mishandling of consumers ' credit reports, including dissemination of inaccurate debt collection information, potentially contravening the FDCPA.

2. **Consumer Rights Law** : - Allegations of TransUnion 's transgressions against consumer rights laws, particularly the FCRA, have surfaced in various legal proceedings, such as XXXX XXXX Trans Union LLC XXXX 

3. **Attorney General Law** : - The aforementioned case of United States XXXX TransUnion LLC XXXX XXXX ) signifies governmental enforcement actions taken against TransUnion for FCRA violations XXXX 

I respectfully request that TransUnion takes immediate action to rectify these inaccuracies in my credit report. Specifically, I demand the deletion and blocking of the erroneous information pertaining to the XXXX XXXX XXXX ( XXXX AAA ), XXXX XXXX XXXX, and XXXX XXXX XXXX  XXXX XXXX accounts, including all inquiries associated with these accounts. It is imperative to note that these accounts do not belong to me and were fraudulently placed onto my credit report, a fact that has been substantiated through my FTC Identity Theft complaint. 

Kindly find my contact information below for any further correspondence : XXXX XXXX XXXX XXXX I anticipate a prompt and diligent response to this matter in full compliance with the FCRA. Thank you for your expeditious attention to this pressing issue. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A company by the name of XXXX XXXX put a collection on my Experian credit report for the amount of {$1400.00}. I first saw this on my report around XX/XX/2023. This is not my account. Please provide documentation within 30 days proving these collections are mine or DELETE it from my credit report.
Product: Prepaid card

On XXXX my Paypal card by Netspend was stolen and fraudulent charges were made on my account. I filed a police report and filed a dispute with Paypal. I was giving a claim # XXXX, with a total of {$2400.00}. The dispute was filed on XX/XX/2024, and I was told to write a letter within 10 business days to receive a provisional credit while an investigation be held. I did as I was directed, and it has now been a month and I still haven't received any credit.
Product: Student loan

I attended XXXX XXXX in XX/XX/XXXX to XX/XX/XXXX just after high school. I had just graduated high school wanted to get started with my career path. XXXX promised so much and I received barley anything they promised and I am now left with so much school loans and I feel it is very unfair. The school had past students teaching material, they promised certification help, job placement, etc.. as well while attending school they made me take out more loans and a XXXX loan in order to graduate while attending. I also had to pay while in school to go to my next modules or I would not graduate. in addition the school made me also take longer to finish because they could not find me a extern site to accept XXXX students, which forced me to find a extern site or I would not graduate. after graduating I did not have a job and I had to do my own foot work to just get a chance in my career field. I had to re educate myself in order to sit for exams to have the proper certification to go with my mow new diploma. XX/XX/XXXX I have so much interest plus the original school loans that I now still have to pay when I did n't gain anything from the school that was promised and I am in so much debt from this school I cant even begin to go to college because of my past outrageous student loans.
Product: Checking or savings account

On XX/XX/XXXX, A fraudulent check was written to XXXX & XXXX XXXX Trucking in the amount of $ XXXX bank debited my account for this amount. I logged into my account on XX/XX/XXXX and saw the funds were gone. I immediately contacted my bank and reported the problem. A fraud case was opened. US bank case # XXXX. The fraud department informed me the investigation could take up to two months and there was no guarantee the funds would be restored. I contacted the XXXX 's XXXX and files a complaint. XXXX XXXX was assigned to the case and he informed me most of these cases are not solved. I am reaching out to the CFPB for help. This was almost all of my savings and have had to get a loan to pay my bills.
Product: Checking or savings account

Bank is charging {$15.00} per month repeatedly including in XXXX of 2017 and months prior. When account was opened advised minimum balance of {$500.00} for account and now they are claiming, fraudulently, {$1500.00} balance.
Product: Debt collection

Credit Karma keeps sending emails and calling my phone a lot I don't want company 's using my SSN With transactions that's identity theft that I'm a victim to now and I have called them and texted them on my end.
Product: Bank account or service

I opened a non-resident transaction/checking banking account at Capital One Bank in 2014. 
Recently, when i wanted to transfer money out of that account ( via internet banking ) I discovered that i could not. I contacted the bank about it, via secure message, and they told me that their " system '' does not allow an account without a SS number behind it to do outward transfers! 
Well perhaps they should have been upfront about that when i opened the account as a non-resident who by definitiion then does not have a social security number! 

So currently my money is permanently stranded in my Capital One Account. 

When i opened the account i explained that i would be operating the account mainly via internet banking and that i would need to be able to do transfers to external US accounts etc from time to time and was told that it would be no problem at all. 

It would be quite easy to get around this system obstacle, but so far I have had no help from the bank staff responding to my messages. If their system is really so inflexible ( and archaic ) that it is absolutely dependant on a SS number in order to operate and do the most basic of banking functions ( like transfer money out ) then XXXX solution would be to add a dummy SS number to my account profile to bypass this system anomoly which can only be described as a major system bug! 
A SS number is simply XXXX way of uniquely identifying an individual and is by no means the only way! In my case my passport number would be a perfectly legitimate and unique way of identifying myself to the system, and there is a myriad of other solutions which could possibly be used as well. 
All it would require is a willingness to help me as a client in order to overcome a problem created by the bank itself, but unforunately so far no such willingness has been forthcoming.
Product: Checking or savings account

Inside my banking login dashboard, I was targeted for a special offer to earn a {$1000.00} bonus for making a very large $ XXXX deposit and keeping it in the account for over XXXX months. I clicked thru the link, applied and was approved for the account, then followed every instruction to the letter. 

I lost a large amount of interest elsewhere by giving my money to B of A for this time period Now B of A " can't seem to find '' any of this information and has not paid the bonus. I talked to a local rep, set an appointment that was canceled by B of A, and getting the runaround. I even sent them copies I kept of screen shots and html pages of the bonus and the offer in my dashboard I see online that many other people are having trouble getting this offer honored
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made all the right attempts to have these fraudulent accounts removed from my credit files with all 3 bureaus ... I have never file BANKRUPTCY yet these accounts are posted to my credit file ... my file is thin and has always been ... I have never had many credit accounts ... these are fraudulent .... 

BANKRUPTCY CHAPTER XXXX DISMISSED REF # XXXX XX/XX/XXXX BANKRUPTCY CHAPTER XXXX DISMISSED REF # XXXX XX/XX/XXXX BANKKRUPTCY CHAPTER XXXX DISMISSED REF # XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX {$560.00} none of this makes sense!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 and XX/XX/2018 there were XXXX hard inquiries put on my account which I did not apply for any XXXX XXXX card. I called them up about the situation and they had said it was fraud and would remove these inquiry to the credit company 's but have yet to do so ...
Product: Debt collection

I noticed this account on my hard inquiries and wasnt aware of it so I contacted the company to see what it was and thats when I found out an account was opened online without my acknowledgment so I disputed it and thats when they turned it from a hard inquiry to a collection and I have been disputing it since then and they continue to leave it on my credit report.
Product: Debt collection

I received phone calls from these credit collectors from time to time even though I disputed the amount they are collecting.

I felt being harassed by these collectors, calling using unknown caller IDs. Today again, a female collector from Midland collections says she has the right to call and collect a debt. And they are authorized and can resume collections anytime by the Fair Debt Collections Practices under section 809. non-stop harassment? Why is that?
Product: Mortgage

Hello, my name is XXXX XXXX and back in XXXX I had a mortgage with you until it was transferred to a different lender. Address of the property is XXXX XXXX XXXX XXXX XXXX XXXX il XXXX. I contacted you previously as I am looking for someone at envoy to sign off on paperwork so I can get the unclaimed funds ( which envoy mortgage sent to the state once my loan was transferred ) from Illinois department of revenue. Please help assist with that. Thank you
Product: Credit reporting

From XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX 1. The credit Bureau will not correct my address I have sent over 10 letters to have my address corrected and still it has not been done. All I GET IS VERIFIED AND THEY OPEN A FRAUD ALERT JUST TO CHANGE AN ADDRESS. THIS IS NOT THE PROCESS. 
2. I have sent over 10 letters to all the inquire COMPANIES on my credit report to have them REMOVED and get no reply from the creditors. All I get from the credit bureaus is VERIFIED AND THEY OPEN A FRAUAD ALERT. I have informed the credit bureaus.. I get no reply and they ignore me and open a fraud alert. 
3. By court order the bankruptcy and all accounts in the bankruptcy are to be removed from my report XXXX the state of XXXX because the credit companies did not do a good job at investigating the inaccurate info on the bankruptcy and READ them. They opened a fraud alert. 
4. The answers for anything is open a fraud alert not do the work of removing inaccurate info. 
5. This is what needs to be done 6. a. remove all fraud alters 7. b. remove ALL inquires I have not applied for credit DO N'T SAY VERIFIED!!!!!! 
8. c. remove bankruptcy per the order and all accounts in bankruptcy from my credit report 9. Change my address!!!!!!
Product: Credit card or prepaid card

Capital one we called in about XX/XX/XXXX, Capitalone Cancelout my wife Credit Card .Because supposely XXXX charge her c/c {$16.00}, Capital one never ask to cancelout her card.They said they replace card we never got when we was in XXXX, XXXX  . address, Than XX/XX/XXXX i called again there ask for copy my drivers licence front and back for me to get replacement card for my wife.We never got, i told the employees, this how i got scam on XXXX asking for me to up load driver license front an back, now it seems Capital one Scamming me which they did.We still never got wife Credit Card replacement.We tried online to change our resident address to POB? Capitalone would not let us.We moved back to XXXX  late XX/XX/XXXX update Mailing were we get our Capitalone statements.But as today XXXX XXXX My wife still donot have Replacement Card its been 6months without C/C furthermore Capitalone told me two weeks ago they Mail me main person update replacement c/c, as of XXXX XXXX i went to get my mail about 60 miles away, and i never got my C/C my Card expires XX/XX/XXXX and online website it keeps saying for me to Active now? Yeah right i dont even have my card how stupid is that.Capitalone is Employees are liars and they owe me Gasoline Reburstment charges on my C/C for XXXX XXXX to drive over and back were in live.XXXX, XXXX  XXXX XXXX {$29.00} and {$30.00} cost me in gas to go to XXXX, XXXX  and me drive back home to XXXX, XXXX  in XXXX it cost lot to drive.
Product: Student loan

I am writing to request the income based repayment option that Sallie Mae assured would be possible when I originally took out these loans. I graduated in XX/XX/XXXX and have obtained a job making XXXX a year, which does not afford me the ability to make the full payment without an income based payment plan. Since graduation, I have attempted to work with Sallie Mae without success. Since I can not afford to pay my whole paycheck, I utilized the rest of my forbearance in hopes of a better option. I also contacted Sallie Mae to discuss whether there were any options left to me, since when I took out the loans, I understood that there would be repayment options like income-based repayments, that would allow me to pay on principal and interest at a lesser amount. 

I have now been told that this is not the case. In XX/XX/XXXX, a Sallie Mae representative spelled it out like this on the phone, I was only given the following repayment options : 1. Take the last of my forbearance option to stall payment during that month of hardship 2. Go to a third part institution and try to refinance my loan 3. Default and hope that once the loan is in debt collection, there might be other payment plans offered to me And that was it. Sallie Mae 's tactic, find a way to pay the balance, refinance through a different company or go to collections to see what repayment options are left to me. None of these ideas are remotely close to the repay back options I was told would exist when signing up. 

Instead, I am left with horrible options that risk my credit and livelihood. Due to questionable business practices on your end, I am carrying the burden of more student debt then I should ever had been issued. I would pay the amount back, if I ever could touch principal balance and start paying my debt. Instead youve made it impossible to succeed in payments, inflated the amount of debt I owe with added fees and regulations and have pretty much guaranteed my failure at repayment. 

These are questionable practices in trying times and I thought that you should know about it.
Product: Mortgage

EMERGENCY TAKING MY PROPERTYXXXX XXXX SHERIFF! The title was based off a forgery, plain s day. She fled the country, after getting paid {$5000.00} from XXXX XXXX ALL the others fled too. It's my home, land that I PAID TOWARDS FOR 44 YEARS!!!!!!!!! ON A VERY LOW SECRETARY Salary BOUGHT THE LAND IN XXXX IN MY SINGLE NAMEE?!!! AS. SINGE PERSON WITH CHILD FROM A XXXX! TOLD DAD TO GO AWAY AND HE DID. NO CHILD SUPPORT NO STATE Support BACK THEN. I DIDNT ASK FOR IT.!! THE.N THE SAME GUY THAT RECENTLY STOLE MY HOME WITH FORGER FROM HIS WORK, STOLE THE STATES CATCHUP CHILD SUPORT FROM THE OTHER GUYS XXXX!! I BUILT TWO HOMES ON MY LAND, BY THEN I HAD A STRONG BUSINESS.. HE ARSONED MY FIRST VERY VERY SPECIAL ONE, ( HE MADE HUGE FRAUD DEAL WITH MY SINGLE NAME MORTGAGE BANK!! TO HARM ME! THE BaNK WAS ALSO MY 1099 EMPLOYER!!

They re RIGHT NOW FINISHING STEALING MY HOME. THE DEAL HE MADE WAS TO PRETEND I OWED THEM MONEY ( I PROVED 7 TIMES OVER I DIDNT ). BUT THT COMPANY NEEDED TO DO THAT TO ME TO STEAL XXXX!! SEE XXXX  historic chart! See huge hump in volume! That's the tax fraud!!! SEE CASE XXXX XXXX they pretended it was a mistake, but it wasn't, BUT THEY dismissed it WITHOUT PREJUDICE!! SO TOOK IT OFF ON THEIR TAXES GIVING THEM {$6.00} BILLION IN TAX ASSET!!!! WORSE FOR ME IS THEY COULD COME BACK AND CHARGE ME WITH THE {$14.00} BILLION!! LOOK AT LONG Term CHART OF XXXX  YOU WILL SEE THE VOLUME HUGE HumP. THATS ME! FROM my tiny good business Iin the country they stole. I LIVED & WORKED IN THE COUNTRY FOR 36 YEARS!!! THEY STOLE both my Hnew homes that I paid for! They stole THROUGH FORGERY, PAID OFF TITLE PEOPLE. XXXX XXXX AND THE XXXX XXXX BOTH CLOSED RIGHT AFTER THEIR FRAUDS!!!! So ALL 9 FLED RIGHT aWAY, at least one out of the country! BUT SOME CAME BACK!! HE TRIED XXXX ME A DOZEN TIMES! AFTER HE DID THIS!? ALSO IS XXXX CAR TRUCK CIRCLING, XXXX ME, trying to it me in a vulnerable position. Everyone is afraid of him, he is a monster. AND MY LIFE IS IN DANGER. ALSO TRIED TO PRETEND I DID FORGERY ( LIE ) TO COVER UP HIS FORGERY! HE PAID OFF COPS ETC. HE THE MORTGAGE COMPANY CLOSER FLED THE STATE TO INDIANA, SHE DID NOT COME BACK BUT I KNOW WHERE SHE IS IF YOU CAN Arrest HER TOO.. THE TITLE BASED ON PLAIN A S DAY FORGERY, PROFESSIONAL FORGER DONE AOT, XXXX XXXX, BUT SHE PRACTICED MY XXXX Signature ON. XXXX DEED! AND MY NEW LICENSE SIGNATURE WAS THE DAY BEFORE! SO CAN COMPARE AND SEE ( I CHANGE MY SIGNATURE PERIODICALLY NOW BUT ITS Clear AS DAY FORGERY MORE STARKLY NOW. I have tons of evidence. Help!
Product: Credit reporting or other personal consumer reports

some of the information in the credit report is not mine. I was a part of the Data Breach and deserve to have accurate information Also, there was a charge off for XXXX XXXX XXXX and a charge off is considered income and can not be reported and must be removed. Because it was charged off XXXX filed a 1099c and got a Credit at the end of tax year. which I Requested a copy. So, once a gain I'm need a copy of the 1099c that was filed with the IRS
Product: Mortgage

For the last FOUR YEARS, Wells Fargo has deliberately obstructed my attempts to assume the loan on the home my wife and I purchased in XX/XX/XXXX. The property is facing an avoidable foreclosure, but Wells Fargo has turned their backs on me. Unfortunately, the last few years have been difficult financially and emotionally, since my wife passed away XX/XX/XXXX. The problem is that the home mortgage was in her name and Wells Fargo spent the first two years ignoring me and refusing to discuss the loan, although I am the rightful heir to the property. It has been an XXXX XXXX years of trying to deal with them. I had a glimmer of hope about two years ago when I was able to get them to speak to me via the court system, but Wells Fargo crushed my attempts at assuming my loan. I then was able to get through to their Executive Office of Wells Fargo after I went down to a branch office and they called into their corporate headquarters directly. I was assigned a single point of contact, XXXX, but she literally disappeared on me after our initial discussions and I can not get through to her. I was forced to try for a short sale, but the time horizon is too short, since I have a sale date of XXXX XXXX, XXXX. This whole thing has been unfair, since it is my understanding that the government allows heirs to keep the home after their loved ones have passed. They knew I was able and willing to take over the loan and continue payments four years ago after my wife passed away, but when I contacted Wells Fargo to discuss the loan assumption they refused to speak with me. Now I am in the dark and my home is facing an imminent foreclosure sale. It is extremely frustrating that I can not get through to the right people at Wells Fargo to resolve this matter. I should have been able to immediately assume the loan and then make the payments moving forward. I deserve the opportunity to have my home titled over to me and then be properly reviewed for all available retention options. The interest rate is very high at 6.5 % and there is room for adjustment. The home is significantly upside down in value relative to the loan amount and arrearages ; creating a scenario where there is common ground to have both sides walk away happy. Their failure to properly allow me to assume the loan can be corrected. I need action by Wells Fargo to do the right thing and allow the ability to keep my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

First of all, I have three companies ( XXXX XXXX XXXX, XXXX and XXXX XXXX ) writing, emailing and call me for the same account. Each of them have different account numbers but XXXX XXXX XXXX have me list on the credit bureaus as being late. I called XXXX XXXX who I was making payments to about my account they told me they do not put anyone on the credit bureau. I asked them then who is XXXX XXXX XXXX. I called them and I was switched to the collection department. i asked why did they put me on the credit bureau and they said I missed a payment. I never missed a payment to XXXX XXXX  but they said I missed in XX/XX/2021 which the payments were taken out automatic each month. I called my credit card company and they said a payment was never taken out but two payments were taken out the following month. I offered to pay this account out full if they would remove the information from my credit because it was not my fault and I don't know who XXXXXXXX XXXX  is and they have report inaccurate information to the credit bureau. they said they could not remove it and they would file a dispute and get back with me. No-one from that company did not get back with me and they continued to call, email and harass me along with the other two companies.. I wrote three letters to XXXXXXXX XXXX and they have not responded to any of them. They have continued to ruin my credit reporting late payments inaccurate information and they have not prove the account is mine which is information I requested..