23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

To CFPB.GOV ATTN Transunion llc This complaint is being filed due to the gross negligence Ive encountered from Transunion for their direct violations of several FCRA laws, reporting fraudulent accounts on my credit, and causing me financial duress due to their fraudulent reporting. I am including all supporting documentation to show that Ive communicated more than once with Transunion about this fraudulent bankruptcy and that I have attempted to my full ability to show them that I was a victim of identity theft ( letter sent XX/XX/XXXX ) & ( XX/XX/XXXX ). I have included in those letters the police report ( XXXX ) from the XXXX XXXX Police dept. for identity theft. Transunion ignored this as evidence. Ive also included the letter I received from the federal court house in XXXX stating that the Bankruptcy on file did not match my personal information. Again,  Transunion ignored this evidence. I had called Transunion several times since first disputing this fraudulent account and asked them who it was they verified this information with, to justify maintaining the account on my credit profile, and they never validated this account with any court house they broke the law IAW FDCPA 15 USC 1692G SEC. 809B. They stated on a call in XXXX that they only validated it with public records and in fact did not validate anything with the court house they again broke the law IAW 15 USC SEC 1692 ( G ) ( B ) FAILURE TO PROVIDE ANY LEGAL VALIDATION, which also breaks another law, IAW 15 USC SEC 16819 ( N ) CIVIL LIABILITY FOR WILFUL NON COMPLIANCE. On a side note, the letter I had received from the court house specifically states that they do NOT report any bankruptcy cases or files to any credit bureaus and will not release that information to any credit bureau IAW 11 USC 1005 CAPTION OF  PETITION. So when I found this all out and discovered that public records was really a company XXXX XXXX I communicated with them. XXXX XXXX are not connected to the federal court system at all. I disputed that information with XXXX XXXX and they have since removed it from all my public records, permanently ( see letter dated XX/XX/XXXX ). 
They understood that I was a victim of Identity theft, and apologized for any inconvenience it had caused me. 
I have included the letter from XXXX XXXX showing they deleted the record of bankruptcy off my public record. 

Because Transunion LLC is not obeying they FCRA laws, I am filing this formal complaint in hopes that they can be held accountable for their actions and gross negligence. I believe it is only fair that they be fined the maximum penalty possible due to the financial pain they have caused me. I have been denied credit several times over the past few years because of this fraudulent bankruptcy. I am considering taking this to litigation and seeking maximum fines if this account is not immediately deleted from my credit file on Transunion LLC.
Product: Credit reporting or other personal consumer reports

Experian XX/XX/XXXX **Current XXXX XXXX XXXX I have had to keep my credit file frozen for illegal attempts. I have literally been in tears, I finally opened a LLC which is in my name XXXX XXXX XXXX XXXX, and these XXXX illegal items remain on my report that I have been disputing and pleading to get removed for over XXXX days. I know your tired of my submissions but please remove these illegal items. This is hurting my company because I can not obtain funding with derogatory marks on my report. These are the only XXXX things that continues to hurt like SEVERELY HURT MY SCORE! XXXX asking for the millionth time please remove these items off my report. Its seriously has hurt my future with these illegal items thats still being closed/reopened on my credit report even dating til XX/XX/XXXX. My score keeps fluctuating because I will not stop deleting these illegal/fraudlent accounts that was ILLEGALLY obtained in my name and various different avenues. My information is currently still being breached on the dark market as I attached its the reason why I froze my report. 

Please remove these XXXX illegal items off my **XXXX** credit report as I have previously stated over 4 months ago +. Please Remove!!!!!!!! 


XXXXXXXX XXXX XXXX Balance {$13.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  Balance {$57.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX {$150.00} XX/XX/XXXX I will not stop disputing. I opened a business, with an LLC and these illegal items are hurting me. I signed up for credit strong and kifoff, but I have to UNFREEZE MY REPORT so positive information can be added but I need these XXXX illegal items removed. 

XX/XX/XXXX Please remove these illegal items off my report. I have no clue why this process has taken so long. This is ridiculous and unfair. As you can see my score has beyond trending in the right direction. The above mentioned items please remove off my report!!
Product: Student loan

American Education Services h as already reported me 30 days late, and I just received another threatening e-mail from them that they are going to report me 2 months late! I am in an approved forbearance. I just had to send them a payment of {$760.00} so that they hopefully not report me late when I am in an approved forbearance. I have already filed a complaint to have th e 30-day late removed. If they report me 60 days late, then I will have to fight to get the 60-day late removed when I am in a FORBEARANCE.   <P/> They approve forbearances, then they send me bills while I am in forbearance and they charge me late fees. I have attached many bills from them where I am clearly in a forbearance but they are still sending me bills and charging me late fees. I had 12 months of forbearance available to me in    XXXX   XXXX   XXXX   and they   continuously make me apply over and over and over again, every 2 months, even though the application clearly states that they can grant you up to 12 months with  one a pplication. Then in the processing time periods between applications, they harass me for a payment until they " approve '' my next forbearance for all o f 2 or  3 months. Then I make payments, like I did in    XXXX   XXXX   XXXX  , and  then they will backdate the start date of the forbearance to begin on a month that I MADE A PAYMENT, and then suddenly I have less a nd less forbearance available. The proof is there in the paperwork. My poor dad was my co-signer on one of my loans and because of this company, his credit score  dropped when he has credit scores in the  XXXX  and has never missed a payment.  <P/> CFPB, please help me with removing this late payment from my credit report. I need to refinance these loans and get away from this company and I can not do that with the late payment on my credit report. Because of the late payment reporting, my  credit score h as dropped  XXXX  points for a loan that I do n't even owe payments on because I AM IN FORBEARANCE. Please help me, CFPB. Please!
Product: Credit card

MACYS has twice charged me outrageous " late fees '' - for example, on a balance of {$85.00} Macys charged a fee of {$40.00}. In addition this fee is not properly charged ; during my phone calls to Macys I cancelled my account, but Macys did not cancel it. Macys inattention to the content of those calls is as outrageous as the outrageous fees themselves.
Product: Credit reporting, credit repair services, or other personal consumer reports

After Hurricanes in Florida, last XXXX, Bank of America offered payment forbearance on equity loan XXXX, 3 months, which I accepted. My understanding at the time, and with subsequent phone calls to my " account manger ( s ) '' XXXX, and then XXXX, was that the deferred payments would be tacked on to the back of the loan. 
once I started making payments again, in XXXX, unbeknownst to me, the bank reported me late, and owing {$3200.00}. As of recently they have me as 90 days late! 
This is destroying my credit, costing me money, and making for a finacial hardship with rising credit costs, and refusals for new credit. EVERYONE AT BANK OF AMERICA THAT I HAVE SPOKEN WITH AGREES THIS SHOULD NOT HAVE OCCURRED AS THE ACCOUNT WAS IN FORBEARANCE.The account manager explained they were " behind '' in their paperwork for the final agreement to be signed, but she would remedy the credit reporting.A few weeks ago I again spoke with XXXX XXXX XXXX, who again, " spoke with her manager '' and the neagtive credit report would be removed. IT HAS NOT!
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Employer - XXXX EMP Employer - XXXXXXXX XXXX XXXX Incorrect Name : - XXXX XXXX Employer - XXXX XXXX XXXX Incorrect DOB : - XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX XXXX, NY, XXXX Listed below are the Accounts that are being challenged 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 Listed below are the Collections that are being challenged XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/17 I made a payment to well fargo credit card. 8 days later on XX/XX/17 they charged my card off as 60 days past due. Their data in credit reporting shows I am 30 days past due in XX/XX/2017 and current in XXXX, charged off and 60 days past due in XXXX. There is no logical sense for this and trans union does not see the information is wrong and logically makes no sense, therefore does not delete it off my credit report.
Product: Credit reporting or other personal consumer reports

Today on XX/XX/, I received a notification from my XXXX account that my credit score dropped XXXX points in the last month. I then looked into my account and saw that I have been an authorized user for a " CITICARDS CBNA '' credit card for the last two months ( since XX/XX/ ) and that I am currently using 50 % of my account 's limit. I am not familiar with this credit card and would like this removed from my records/reports as I am sure this is a fraud. I will contact the creditor after I send this message.
Product: Credit card

Company that calls itself Summit Recievables has been calling me and other family members, threatening legal action as well as fraud charges, verifying my employment.
Product: Credit card or prepaid card

The online payment system doesnt work ... the call in system doesnt work, Whenyoun call the support number it is only automated and no person will ever answer,, after the 2 hour hold time it disconnects the call I can't go anywhere in person to pay the bill, they do not allow that
Product: Debt collection

Progressive Management  is trying to collect a medical debt not owed. I contacted the orignal creditor :  XXXX   XXXX   XXXX   XXXX   XXXX  about the debt. I spoke to  XXXX  at the  XXXX   XXXX  billing department on  X/XX/2017    at  XXXX    XXXX    pacific  time. She informed me that I have no outstanding balances and they never sent anything to collections. She verified my insurance and showed no issues from around the dat e of Progressive 's  reporting. I then called Progressive on   XXXX   at  XXXX   XXXX   pacific time a nd got a woman named  XXXX  who only gave me her name after I told her what the original creditor said so her real name could be something else, because I told her I would dispute because of the invalidation and she got an attitude. The original amount they are reporting is similar to another hospital in which I have never been to which is  XXXX   XXXX . I let the agent know as well as the credit bureaus know I have never been to  XXXX   XXXX  and yet no one is validating the fraud being put on my credit report. They are stating I owe over {$2000.00}. They continuously change the amounts based on whatever they decide. They are reporting  XXXX  account that the original creditor stated was never sent to them and  XXXX  that does not belong to me due to fraud and identity theft.
Product: Credit reporting or other personal consumer reports

I'm contacting you regarding fraudulent personal information linked to my identity. Several accounts and transactions have been wrongly attributed to me without my awareness or approval, causing me considerable anxiety. I've fallen victim to identity theft and have already reported this incident. This situation requires immediate attention, as it has negatively affected my financial stability and reputation. I request your assistance in swiftly removing all fraudulent data from my credit report and thoroughly investigating this issue. I'm ready to provide any necessary evidence and, if needed, pursue legal action to defend my rights and seek appropriate redress. Your quick response to this pressing matter is greatly valued.
Product: Credit reporting or other personal consumer reports

I am a victim of Identity theft. I never gave any written consent to any credit reporting agency to furnish my credit report as required by law pursuant to 15 US 1681b ( a ) ( 2 ). Permissible purpose is written consent. No consent equates to identity theft.
Product: Credit card

On an automatic debit payment plan, Chase Slate credit card will only allow consumers to pay the minimum balance and or the total balance. Therefore this causes the consumer to have to log into the account monthly to pay any other balance. This causes an inconvenience to the consumer by not taking advantage of current day technology. When consumers due not adjust payments, Chase gets the benefit of the accruing interest.
Product: Credit card or prepaid card

Telephoned Wells Fargo for a ne Am Ex Propel card ( no annual fee and no Int'l transaction fees ) Upon giving my information to the receptionist, when she heard my address : XXXX  XXXX XXXX  XXXX, XXXX XXXX XXXX, She immediately said, that I was refused because there was no way to verify me as a client. 
Hence, Wells Fargo is discriminating against any and all people with APO 's because they fail to have a method to " qualify " the applicants. 

In pursuing this I wound up making several other phone calls and writing letters. 
One phone call in particular was almost 2 hours ( 1 hr 56 min ) before I hung up and went to bed, The time difference between me and the States is that I am 6 hrs ahead of EST.

Wells Fargo is only able to verify aplicants in the states using a 10 digit US phone number. 
I am not in the states and do not have a 10 digit US number that I can receive messages on.

Additionally, they absolutely insist on all applicants havinng a US STREET ADDRESS, no Post office boxes and NO APO 's.

Again, this is discriminatory.

I XXXX XXXX XXXX XXXX for an American Co. I am an American and have been since my birth. 
I have a credit score of XXXX, and I own many parcels of real estate, I have a 6 figure income and virtually no debt other than a couple of mortgages, There is no reason I should not receive a credit card other than for their discriminatory practices.
Product: Student loan

Dear CFPB : I am writing to make a complaint about my loan servicer, Missouri Higher Education Loan Authority ( MOHELA ). Quite simply, I am trying to obtain my loan history dating back to my direct consolidation in XXXX. But MOHELA has been unable or unwilling to provide this information. Thus, I would appreciate your assistance in prompting MOHELA to provide this information. 

Here is a summary of the facts : On XX/XX/XXXX, I submitted a request through MOHELA 's secure message system for all my payments since XXXX. 

The next day, MOHELA replied with an attachment that it claimed was " the financial activity from XX/XX/XXXX through XX/XX/XXXX. '' But it wasn't ; rather, MOHELA sent me an attachment that -- quite strangely -- only covered XX/XX/XXXX to XX/XX/XXXX. Even stranger, the attachment was titled, " Payment History Before Mohela [ sic ]. '' Again, it wasn't. Further, MOHELA indicated they would send a separate message with the payment history from XX/XX/XXXX to the present. 

The same day, XX/XX/XXXX, I replied to MOHELA, explaining that their attachment didn't cover the timeline specified. 

On XX/XX/XXXX, MOHELA responded with the second part of their message. MOHELA write in part, " We apologize for any confusion or frustration this matter may have caused. The attached document lists the payments made during time prior to your loans being serviced by MOHELA. '' This was unresponsive. I was asking for the period from the date I consolidated the loans ( XX/XX/XXXX ) to the present. I don't understand why MOHELA kept reverting back to wanting to provide my payment history before my loans were serviced by MOHELA. No matter, the attachment that MOHELA provided this time was unopenable. 

So on XX/XX/XXXX, I sent MOHELA yet another message simply trying to get the same information. In my e-mail, I wrote in part, " I could not open your attachment. When I tried, it gave the error message " could not open ... because it is either not a supported file type or because the file has been damaged ( for example, it was sent as an email attachment and wasn't correctly decoded. '' Can you please either make the corrections and resent it as a secure message attachment or simply print and mail it. 

From this most recent experience with MOHELA 's customer service, I suspect that the company is still struggling with low service employees, low tech systems, and poor management.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, XXXX of XXXX, XXXX of XXXX and XXXX of XXXX I sent certified letters to Equifax and XXXX notifying them that they were in violation of the FCRA and of requisite XXXX XXXX Complaint reporting standards. I have the right to a fair and accurate report, but Equifax and XXXX are illegally reporting inaccurate false information about me. They have been reporting an alleged account with XXXX XXXX on my credit report as a charge off with a past due balance of {$7500.00}. Equifax, XXXX, and XXXX are also reporting an alleged account listed with XXXX XXXX XXXX XXXX as a collection with a past due balance of {$3000.00}.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the Equifax data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to be remove from any affiliation with me immediately. 
XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX  XXXX XXXX Balance : {$2700.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Product: Consumer Loan

XXXX 2011, I purchased a vehicle from XXXX, XXXX NC The loan was approx. amount of XXXX the length of the loan was for 72 months. I was approaching my paying off date, so I inquired about other charges to close the loan. They said I owe {$9600.00} to satisfy my loan. The figures do n't agree, and reflect a huge error. apply basic math 72 pymts @ {$520.00} per mo. -- -- -Time range of loan XXXX XXXX to XXXX XXXX now they are saying the payoff amount is {$9600.00} approx. loan approx. {$38000.00} auto approx. {$23000.00}, monthly pymts per mo. {$520.00}. Something is n't right. I 'm paying approx. {$47000.00} for a {$23000.00} vehicle. My bank is providing all transactions since XXXX XXXX to current. I will forward these documents asap
Product: Credit reporting or other personal consumer reports

According to the CFPB XXXX, XXXX, and Equifax does not properly investigate disputes and fails to remove or reinserts errors on reports, threatening consumers access to credit, employment, and housing. The pending lawsuits are disheartening, I am a federally protected consumer with a lot to lose due to your negligence. Please do your job and vet the information before you allow a company to report negative accounts without the consumers consent. 

According to IRS regulations, any debt over {$600.00} that is charged off requires the creditor to issue a Form 1099-C. Therefore, I am formally requesting a copy of the 1099-C that your company issued for the charged-off debt listed on my consumer report.

Income is not allowed on a consumer credit report Please see the attachment!!!
Product: Credit card or prepaid card

Regarding an Apple Card account with Goldman Sachs Bank USA. When requesting the address to make overnight courier payments by check, was given the following address by telephone support : Goldman Sachs Bank USA, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX. 

Then I was told that upon receipt of the check by courier ( XXXX XXXX  ), it would take another 7-10 business days to process the check. From the address, it is evident that XXXX is sending to XXXX and then to XXXX, UT, with an interstate routing scheme that appears designed to delay such payments. Thus, XXXX is purposefully making it impossible to accept payments and process them on the day of receipt, even for overnight courier payments by check. I have been doing this same payment for several other XXXX firms today, and all of them credit the payments on the day of receipt. So this arrangement appears specifically designed by XXXX to rob customers of interest and create delayed payments made by check.
Product: Credit reporting

I have sent Experian 3 seperate letters challenging inaccurate information on my credit report. There is an account that is reporting a balance inaccuratly, XXXX XXXX XXXX, and we have attempted to contact this company directly but the address they published on my credit report is inaccurate. Experian claims to have " verified with creditor '' and I believe this to be false. How can Experian verify it when I 'm the proposed Debtor and the company has n't even verified with me. Unbelievable and does n't seem fair. I need help getting Experian to remove the negative balance on an account that should n't be reporting a balance in the first place. This is keeping my family from getting a new home and we are prepared to file a lawsuit against this company. Attached are the supporting documents for our claim. Thank you** Please see the last page on our credit report we have attached, It shows the address listed for XXXX XXXX and also see the returned letter sent to that address**
Product: Checking or savings account

Received {$400.00} offer to open checking account. Offer had my address and name with validity till XXXX XXXXWhen applied for received reply that offer no longer valid. Customer service told me that offer was already used???. I am the only one who lives at this address and I owe the house. The other version was that it was marketing glitch. Was advised to visit local branch. Employees are clueless.