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

Consumer Name : XXXX XXXX XXXX XXXX XXXX SSN : XXXX, Consumer D.O.B. : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605b ( 15U.S.C. 1681c-2 ) that you, TransUnion credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 
This fraudulent, inaccurate, and false information consist of a These fraudulent accounts consist of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, Auto Loan account opened with XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, Telephone / Communications account with XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX under the account number XXXX and Person loan opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. 
These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in questioned as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, Collections or hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint # XXXX as proof form the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the results of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reached to XXXX XXXX on XXXX XXXX to fix an error regarding late payments that they have reporting to TransUnion XXXX XXXX and XXXX. I set up a payment plan for my card on XXXXXXXX XXXX XXXX. To where I would pay XXXX on the XXXX of the month starting in XX/XX/XXXX, XXXX. I made every payment on time with an automatic withdrawal from my account. Until they abruptly transferred the account to collections in XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In your response to my previous complaint, you stated that based on your " thorough review '' forbearance was requested after the loans were reported which restored my account to a current status from the time it was applied. Which does not allow a retraction of adverse credit information that was accurate at the time of the reporting. 

I have a notice from XXXX, dated XX/XX/XXXX, that states you have received and processed my recent forbearance request. In addition to that, I also received the " Forbearance Loan Declaration '' which outlines the details below. 

XXXX XX/XX/XXXX Approved : General Forbearance XX/XX/XXXX-XX/XX/XXXX XXXX XX/XX/XXXX Approved : General Forbearance XX/XX/XXXX-XX/XX/XXXX XXXX XXXX Approved : General Forbearance XX/XX/XXXX-XX/XX/XXXX XXXX XX/XX/XXXX Approved : General Forbearance XX/XX/XXXX-XX/XX/XXXX XXXX XX/XX/XXXX Approved : General Forbearance XX/XX/XXXX-XX/XX/XXXX XXXX XX/XX/XXXX Approved : General Forbearance XX/XX/XXXX-XX/XX/XXXX XXXX XXXX Approved : Delinquency Forbearance XXXX Approved : General Forbearance XX/XX/XXXX-XX/XX/XXXX XXXX XXXX Approved : Delinquency Forbearance XXXXXXXXXX/XX/XXXX Approved : General ForbearanceXX/XX/XXXX-XX/XX/XXXX As you can see, the loans that are being reported as past due were in fact approved for retracted forbearance. By failing to update previously reported information, XXXX is in violation of Section 623 ( a ) ( 2 ) of the FCRA. 

The advisory opinion states that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct. 

I am requesting that in compliance with Section 623 ( a ) ( 2 ) of the FCRA that the 2 accounts showing late payments from XX/XX/XXXX- XX/XX/XXXX be updated and/or corrected and removed to accurately reflect my payment status.
Product: Credit card or prepaid card

For the billing cycle ending XX/XX/2021, American Express made a change to the billing st

atement that is misleading and intended to inadvertently drive consumers to use the Pay Over Time feature, resulting in unexpected interest charges. As a result of changes, new charges over {$100.00} are no longer displayed under the " Pay in Full '' amount shown on the billing statement. Therefore, payin
g the " Pay in Full '' amount now results in interest charges being assessed. The true balance has been moved to lower prominence on the bill, including online bill pay options.

As a result of this change, I ended up with {$180.00} in interest. Although American Express ultimately waived and reversed those interest charges, this is a misleading change requiring communication with a representative ( in which they push additional offers ) and I do not believe American Express provided a clear notice to customers about this change.
Product: Payday loan, title loan, or personal loan

got a call from this # XXXX. they told me that my payday loan that I took out in 2012 was send to them and if I don't pay it, I will be arrested. I have this on recording.

they told me that they will serve me and if don't pay by Monday, I will be arrested. first time they told me I owe about {$1800.00} and the 2nd time I called to get the name of the business they told me that they are the company that serve papers and I owe XXXX I asked them to stop contacting my family members but they refused.

I'm very scared because I thought I paid everything I owe few years ago and there was nothing else on my credit.

I called check and go and told them I can payoff the amount today but they told me that they don't have it any longer. i also ask them to email me the information, they said they already have but I couldn't find anything
Product: Debt collection

The amount owed was paid to XXXX for {$120.00} and the account is paid in full. Southwest XXXX is attempting to collect and sue on a non existent. debt.
Product: Money transfer, virtual currency, or money service

I attempted to send payment to my landlord via XXXX, which I had done five or six times before without a problem. The transaction was scheduled for XX/XX/2019, and it reported as successful on my end. The money never arrived at my landlord 's bank. I re-sent my rent, again via XXXX, and it went through, but now I have been double charged for rent and have not been refunded for the initial missing payment. My landlord and I have both contacted his bank, XXXX XXXX XXXX, and they have no record of an inbound payment. I have contacted my own bank, Ally, several times. They closed the ticket the first time after giving me some confirmation numbers that were of no help. I contacted them again twice, with no resolution. They say they are reviewing it and that it can take up to 90 days, but I'll be missing {$700.00} from my account while they pass around my third ticket in their offices with seemingly no recourse. 

Summary : I sent {$700.00} from Ally Bank via XXXX to my landlord. It never made it to him, but it was deducted from my account. I want my {$700.00} back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX / ASPIRE was incorrectly listed as a credit line decrease to {$1600.00} when on the statement below you can clearly see my credit limit as {$1900.00}. I received a credit limit increase.
Product: Debt collection

On XX/XX/XXXX a summons was improperly delivered to my property address and given to a tenant who is not a family member or relative whom I do not live with and when delivery after knocking on door and handing a summons not in an envelope and not to myself. 

This debt is also being challenged by XXXX XXXX who has been asking for debt validation unsuccessfully from the creditor and there is a Lack of Standing in that the debtor creditor relationship not being one and the same. When debt collectors are contacted by me the many entities involved do not have any proper information about the debt, or proper dates or amounts from the original debt that was a credit card that was closed in or around XXXX and therefore the statute of limitations may have also expired and the amounts of the debt tripled according to the summons and debt collectors who are demanding a response and attempting a default judgement. 

I have been under duress and I am a 100 percent service connected XXXX veteran and I am being tracked by phone from an outside source such as XXXX tracking device and followed and spied on. All for a credit card debt. 

I am just coming out of a place of hardship and we have been assessed at my condo for several thousand dollars and I am also recovering from XXXX XXXX  scare. 

Sending someone to my condo unannounced and delivering these documents improperly at my condo ( btw I can not always stay there due to the amount of work that is major at the building ) and large assessments has caused me anxiety and I need it to stop. 

Also the original debt belonged to TJMax synchrony bank and the debt collectors are Attorney XXXX XXXX and XXXX XXXX and XXXX ( or whoever as I can not get straight answers from them and I have had to spend more money now to initiate a letter to the courts to stave them off. 

Also the XXXX XXXX company I have been dealing with for two years has completly dropped the ball when I notified them this was happening and said they can not help. I have spent two years paying them {$120.00} for over two years in order to resolve these debts and only to find they can not do what they claim. I would like a full refund. This is such a scam.
Product: Credit reporting or other personal consumer reports

SOMEONE WAS ISSUED A CREDIT CARD FROM XXXX XXXX IN MY NAME. {$650.00} HAS BEEN USED ON THIS CARD AND NOW I HAVE NEGATIVE INFORMATION ON MY CREDIT REPORT. I DID NOT AUTHORIZE ANYONE TO OPEN THIS ACCOUNT IN MY NAME. XXXX XXXX, XXXX AND EXPERIAN HAVE ALL REPORTED THIS INCORRECT INFORMATION ON MY CREDIT REPORT. 15 USC 1681 STATES THE RIGHT TO PRIVACY AND PROPER USE OF MY CREDIT REPORT. PLEASE HELP ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experians process of blocking and deleting information on my consumer report that is a result of identity theft is in direct violation of the law. It states in 15 U.S. Code 1681c2 -Block of information resulting from identity theft ( a ) BLOCK Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Credit reporting or other personal consumer reports

I am applying to buy a house, i am preapproved and my lender wanted to pull my credit for a mortgage but they couldn't get anything from Equifax, saying it must be a " freeze '' ( something I never have done ).. 
I called equifax Friday XX/XX/XXXX and equifax couldn't verify me, syaing my name address and social do not match, they proceeded to ask me to send in documents to verify my identity via the mail. I shared time is of the essence, i need to do this online, and they refused to help me other than mail. 

I called back trying again Saturday XXXX/XXXX/XXXX, after XXXX hr on the phone of resistance, I FINALLY get a XXXX, she confirms no account, no credit history, and on the spot creates me a new account. 

Equifax advised me to call my bank to transfer my credit info. 
I called my bank ( Saturday XXXX, am ) to make the request. My bank told me they are sending info to the bureau every XXXX of every month for the mast XXXX. 

I called Equifax AGIAIN ( XXXX now ) ( XXXX ) and opened XXXX disputes in order to get my history, for my credit card and my student loans. 
They told me they don't know where my data is, they are receiving nothing. 
So, I called back the bank and the agent confirmed ( again ) that they are sending data when requested and that since I opened XXXX disputes with Equifax, my bank will get requests from them and then share my history. 

Then the morning, XX/XX/XXXX I connected to the online portal for Equifax, and the disputes were marked as solved with a resolution description of = " the object of your dispute was not found... ( I'm left screaming because that WAS the subject of my dispute ) AND I still have no credit with them. 

I called them back to discuss the disputes they said the disputes are solved because the item of the dispute can't be found. 

Equifax has literally all of my info and documents to prove my identity and history but they don't have anything in their system that matches. 

I requested my bank on XX/XX/XXXX to verify and resend everything for the last XXXX  years to Equifax, hoping it'll update my account with them. The bank said it must be on Equifax side that's something off since XXXX has everything. Equifax doesn't even have my work history. I asked them on the phone to add it manually but " we don't have the option to do that ''. 
So far, on XX/XX/XXXX, all disputes opened with Equifax has been closed with " the item of your dispute can't be found '', and I still have no credit score with them. 

The support is terrible. I am beyond frustrated...
Product: Credit reporting or other personal consumer reports

XXXX  XXXX XXXX reported to the credit bureaus that my account was closed on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year> which is not accurate. CFPB was privy to new information on XX/XX/year> from XXXX that included statements showing that the credit line was open and had available credit. I have been disputing this with XXXX  XXXX XXXX for months and escalated this to CFPB on XX/XX/year> because now TransUnion has been negligent in their investigation. Trans Union closed the case as satisfied to which XXXX  XXXX XXXX did not provide proof in their response to address the dispute. This inappropriate reporting harmed my credit by over 170 points on all credit bureaus. It also caused my other creditors to reduce my lines of credit and or closures to lines due to the dramatic change on my credit score. Further causing more harm to my wellbeing.
Product: Mortgage

LoanCare has refused to make available our mortgage statements. We have requested this several times since our statements used to be able to be accessed online until we fell behind and within months we have no access. Since we have no access online we have no access to mortgage information or statement. We have called now over XXXX months and it has been promised but instead we get served foreclosure. We have not been given a notice of intent or acceleration. 
LoanCare have NOT : 1. made available our mortgage statement after many request 2. our access to our online account is no longer available 3. sent out any notice of intent 4. sent out any notice of acceleration 5. loan resolution packages
Product: Credit card or prepaid card

Synchrony Bank lowered my {$3800.00} limit to {$380.00} without any reason and without my knowledge. I had a {$3000.00} balance paid {$2900.00} on time and when I chafe something else I had a balance of {$360.00} I get a notification from the XXXX saying my credit utilization on one of my cards is extremely high. This is how I found out my limit was decreased. Then I looked and they done the same thing with my JCPenney account. Decreased that limit from {$1200.00} to {$170.00}. I never have been late I always pay what I use. Its wrong to do your cardholders like that. That makes the consumer credit score take a major hit. When I called the lady said they go and review peoples credit. So are they doing unauthorized credit checks? How do they know what other credit I have? If they had a problem with the other credit I have they wouldnt have issued me credit when they initially pulled my credit. So they must be doing unauthorized credit checks.
Product: Mortgage

I was in forbearance because of COVID-19, on a property I own using BB & T now Truist bank as my mortgage holder. I made partial payments during the entire forbearance time. My forbearance was ending XXXX, 2021. BB & T would not allow me to make payments online as I always did, during the time of forebearance. Rather, I had to phone my payments in every month. My first full payment was not allowed to be paid over the phone, so I made my XXXX, 2021 payment in full at the local BB & T bank located at XXXX XXXX XXXX XXXX, XXXX, SC XXXX. My XX/XX/2021 was made in full also. 

I received a Possible Spam phone call and message from BB & T now Truist this morning from their collection department! I listened to the recording and immediately called back. XXXX from Collections told me I had been turned over to collections and the payments I had made for XXXX and XXXX went to paying off the balloon payment! I have a FICO score of XXXX and can assure you, I dont miss payments. I spent hours last month getting this same issue rectified over 13 different phone calls and numerous talks with managers. But, again I am being told wrong information which will effect my credit score. I requested to speak with a Loss Mitigation manager, but she stated there were none available. She would try and transfer me ... she dropped the call. I then called back and spoke with XXXX XXXX in loss mitigation. She stated my account was not in collections, but still in forbearance!!! I requested to speak with her supervisor, none were available to speak with me again. She gave me her supervisors name, XXXX, and phone XXXX. I called her answering machine and to expect to wait 24-48 hours for a call back. This type of stalling behavior is unacceptable and if it isnt already, be punishable by law. I am very concerned this abusive payment reporting/recording by BB & T now Truist, will result in my property being foreclosed for nonpayment because the bank is not accurately making my payments to the regular monthly payments, but instead the balloon portion, which is not due until the end of the loan or sale of property.
Product: Student loan

This is a perennial issue with XXXX  that dates back to XXXX, when I first requested to change to an income based repayment plan, which had just been rolled out. They told me then that this was not available, despite the fact that it was widely reported and advertised by XXXX XXXX. They refused. I called them out and said they were violating federal law by deliberately misrepresenting information, then they stopped calling/emailing etc. Then, a few years later, they tried again and I again summarized the past discussions. They stopped contacting. Then a few years later they tried again. Rinse, repeat. Again and again. Since that time, they've been accruing interest on the wrongfully designated repayment plan and have moved me forward into default, however, whenever I raise the old discussion, they get scared and disappear for a few years. They've since been hauled in front of congress for their criminal administration, been heavily fined, and even pulled out of federal student loan administration entirely. I wonder why? 

Here we are in the middle of XXXX and they have sent me another threat by email and I am again asking for the CFPB to assist with getting XXXX  to dip back into their fraudulent system to to time when I called them asking to change my repayment plan ... then for them to do that and retroactively recalculate the entirety of the loan amount. I am never going to pay them {$180000.00} for a {$50000.00} loan. Never. They should be in XXXX  instead.
Product: Student loan

I keep getting calls from this number ( XXXX ) XXXX, saying they are calling from general revenue corporation to collect a debt. 

I know I was behind on payments, but I had just received a letter from the school asking if I wanted to apply for a deferment, due to my income. I signed the letter and sent it back. About two weeks ago, I was still receiving that I had an amount due, so I made a payment of {$170.00}, so I can catch up on  the {$1400.00} I owed. I then later on kept getting calls from this number, which I answered and they kept asking for my birthday to verify identity, but I felt uncomfortable giving them that information since I had no information about them, or made payments through them before. Right after I hung up, my mom calls me saying that a company is calling my uncle asking for myself, and my husband. The number that called my uncle was ( XXXX ) XXXX. I found this very rude, since I do not want any of my family members receiving calls about my business! I don't even have my uncles numbers, so Im wondering how did they have that information? Also my uncle said they mentioned my husband in the phone call, and I have never given any information about my husband in any paperwork for my debt nor my uncles. I went online to check on XXXX since that is where I make my payments, and it says I have no payments due as they are extended until XXXX of 2020, BUT this company continues to call me while I am at work. Yesterday, XX/XX/2020 they continued to call my uncle asking for my information, as well as disclosing I have a debt with my student loans. That is information I don't share with anyone, not even my parents so I don't think they should be sharing it with people who I have very little connection too. 

I am tired of receiving these call
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding inaccuracy item on my credit report. A credit report that has continued to negativity impact my credit report. despite my efforts to resolve this issue direct with reporting agencies. If I may request assistance in resolving this issue and the removal of this item