23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Previous case number with Truist : XXXX CFPD Complaint ID : XXXX This has been submitted to Truist and CFPB previously, please see information above. 

On XX/XX/2022 I logged into my Truist mobile app and it asked me to update my preferences ( online or mail delivery of mortgage statement ). I saved my preferences and immediately got an email forwarded to me from XXXX XXXX ( ex-spouse, we used to share the mortgage, I assumed the VA loan when we were divorced, the mortgage/loan is ONLY in my name ) showing my preferences. 

I checked the mobile account and nothing was showing with his email ( XXXX ), but I notice my name has been changed back to XXXX XXXX XXXX XXXX. 

The ONLY email on my account should be XXXX. The ONLY person should be XXXX XXXX XXXX. 

XX/XX/2022 : XXXX XXXX  Called online support ( XXXX ) and spoke with XXXX. She went to look for email, call dropped. 

XX/XX/2022 XXXX XXXX  Called and talked to XXXX  in Customer Care. He wanted to send me to Mortgage but I know from previous experience they can't help. Was sent to... 

XXXX XXXX. She searched for the email address several times and did not find anything. Nothing else she could do. 

Called XXXX XXXX ( XXXX ), first call was dropped but then spoke to XXXX. Gave him my case number and he said the case was closed and wanted to transfer me to XXXX XXXX. I told him I had been on the phone with them for almost an hour this morning. He said he would have someone call me and then he hung up. 

I have been dealing with this for far longer than I need to be. I am scared to make payments on my account or add additional payments to my account because I am afraid my ex husband will see them. We are divorced with XXXX kids and I need to keep my finances separate from him. 

This is absolutely ridiculous that this is still going on.
Product: Credit reporting or other personal consumer reports

After carefully reviewing the document, I have identified several discrepancies that require immediate attention and correction. 

Personal Information : Incorrect Name/Address : The credit report lists the misspelling of my name as my current information. However, my correct name and address is different. The report also lists an incorrect social security number as well. 

Outdated Information : Additionally, I noticed that the report includes outdated information such as Old Addresses/Names/Phone Numbers which is no longer relevant to my current financial standing. 

Impact : These inaccuracies are not only misleading but also have a detrimental impact on my financial credibility. I am concerned that these errors may affect my ability to secure loans, mortgages, or other financial services in the future.

As a consumer protected under the Fair Credit Reporting Act ( FCRA ), specifically under Section 15 USC 1681, to bring to your attention inaccuracies present in my credit report. As per the FCRA, it is my right to ensure that the information contained within my credit report is accurate and up-to-date. Section 15 USC 1681 mandates that consumer reporting agencies, such as yours, maintain reasonable procedures to ensure maximum possible accuracy in the preparation of consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

my credit report is showing an open account as closed. I would like this fixed and updated immediately. The account is : XXXX XXXX XXXX XXXX Credit limit- {$650.00} Date opened-XXXX XXXX XXXX
Product: Credit card

I have been an american express customer for years and had never made late payments before XXXX. The post charges for my XXXX statement was {$430.00}, however, due to personal issues, my payment past due, hence they charged me with {$69.00} late fee and {$30.00} interest in total on my XXXX 's statement. On XX/XX/2024, I paid off my balance of {$460.00} ( interset charges included ). After that, I contacted American Express customer service and they promised that they would waive off all the late fees once they received my payment. However, they broke their word as none of those fees were waived on XXXX And to make it worse, American Express even charged me with extra {$40.00} late fee and {$12.00} interest fee on my XXXX statement, {$40.00} late fee and {$2.00} on XXXX 's statement, which is literally ridiculous. So I refuse to pay such unreasonable fees now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

To : Experian Dispute Department XXXX XXXX  XXXX XXXX, TX XXXX TransUnion Dispute Department XXXX XXXX XXXXXXXX XXXX, PA XXXX Subject : XXXX Dispute of Inaccurate & Unverified Information XXXX XXXX XXXX XXXX  Dear Experian & TransUnion Dispute Departments, I am writing to formally dispute the inaccurate, incomplete, and unverifiable reporting of the XXXX XXXX XXXX Bank account on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, I request a thorough investigation and immediate correction or deletion of the erroneous information outlined below. 

Account Information Being Disputed : Creditor Name : XXXX XXXX XXXX XXXX  Account Type : Revolving Credit Card Account Number ( Last XXXX Digits ) : XXXX Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Balance Reported : {$1300.00} Credit Limit : {$1000.00} Past Due Amount : {$1300.00} Current Status : Charge-Off Errors & Violations in Reporting : 1 Inaccurate Account Status & Balance Reporting ( FCRA 1681s-2 ( a ) ) Issue : The account is listed as both Closed and Charge-Off while still reporting a past-due balance of {$1300.00}.

Violation : If this account was charged off, the balance should be {$0.00}, as charge-offs are legally written off as losses.

Resolution Required : Either correct the account to reflect a {$0.00} balance or delete the tradeline as it is inaccurately reporting. And issue a 1099-C per IRS regulation .

2 Inconsistent & Inaccurate Late Payment Reporting ( FCRA 1681e ( b ) ) Issue : The payment history reflects inconsistent and unverifiable delinquency reporting.

Violation : Credit bureaus are required to ensure that reported data is complete and accurate. Any errors in payment history must be deleted.

Resolution Required : Remove all inaccurate late payment marks or delete the tradeline due to inaccurate historical reporting.

3 Account Re-Aging & Incorrect Date of Last Activity ( Metro 2 & FCRA 1681s-2 ( b ) ) Issue : The Date of Last Activity ( DLA ) is reported as XX/XX/XXXX, which is incorrect because the account was closed in XX/XX/XXXX. 
Violation : Re-aging a debt to extend its time on my report is a serious violation of FCRA and Metro 2 compliance guidelines.

Resolution Required : Correct the Date of Last Activity or delete the account for unlawful re-aging.

4 Account Utilization Inaccuracy Unlawful Credit Damage ( FCRA 1681e ( b ) ) Issue : The account reports a utilization of 132 % ( balance exceeding credit limit ), which is impossible under normal banking policies.

Violation : Credit reporting agencies must ensure that data is factually correct and does not mislead lenders.

Resolution Required : Either correct the utilization to reflect accurate balance history or delete the tradeline for providing misleading financial data.

Final Notice This dispute letter serves as official notice under FCRA 15 U.S.C. 1681i that Experian and TransUnion must correct or delete the inaccurate information within 30 days. 

Failure to comply will result in regulatory escalation and legal action. 

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

After disputing the following inquiries the 3 reporting agencies concluded that the un- verified accounts been verified, neither company sent me any physical documentation to support their reporting inwhich the investigation stated " up dated ". Now according to the FCRA rule of law, if there's no physical evidence then the accounts shall be removed. The following inquiries in dispute are.. XXXX  Credit Cards ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX Miscellaneous Reptg. Agencies ( XX/XX/XXXX ), XXXX - Telephone ( XX/XX/XXXX )
Product: Debt collection

For the second time on XX/XX/XXXX at XXXX, I was contacted by " XXXX '' at Source Receivables Management in regards to an owed debt. I in he past had already asked them never to call me at work. Both times I have spoken with someone and tried to end the conversation ( because I am at work and can not accept such calls ) they were both extremely rude and argumentative. I felt like I was being personally attacked. Both times I have had to hang up to not cause a disruption at my work place.
Product: Debt collection

On XX/XX/2020 I received a summons to appear in court regarding a collection account. The original creditor is XXXX XXXX and the company that purchased the account is Midland Credit Management. XXXX  XXXX  charged off the account. MIdland Credit Management is sueing me for the full balance owed to XXXX XXXX. In the paperwork, there is a bill of sale that shows when Midland purchased the account from XXXX XXXX, however, the amount paid for the account is blacked out as well as the aggregated unpaid balance of the account as of the cutoff date. I called Midland Credit to request the information and was told by 2 different representatives that they could not tell me the amount that was paid by Midland Credit to XXXX XXXX XXXX  for my charged off account. 

My question/complaint is - does Midland Credit have to by law disclose to me the amount they paid for the account? Is it legal for them to blackout that information on the paperwork that they are using to sue me?
Product: Student loan

I have over XXXX payments on the IDR and have not received loan forgiveness. My first loan was taken out in 1991. When I called the servicer, Nelnet, I was told that they receive that information from you and the first representative could not access the platform to give me that information but to call studentaid.gov to get that information since that is where it comes from. The second representative told me that I had only been in XXXX for XXXX months and would have to wait XXXX years. I escalated the call to a supervisor who told me that no one is getting forgiveness because of the federal injunction and instructed me to call XXXX for clarity about my IDR and public service forgiveness requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

So many hard inquiries that I have tried to clear up but doesnt
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint myself, and to inform you that I was a victim of an Identity Theft. Upon reviewing and checking my report I found out that the previously disputed items still appeared on my credit report as a inaccurate. The fact is, I am disputing again the fraudulent items on my credit file. For some reason, I realized that the three credit bureaus failed to fixed it and I do not believe that these items belongs to me. These items should be deleted as a confirm of derogatory nor negative in my credit file. It seems impossible to consider as mine the fact they doesn't belongs to me. Kindly help me delete these following items 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 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 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: Money transfer, virtual currency, or money service

Bought something off someone and paid through XXXX. The product never arrived. {$120.00} purchase.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX # XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX Account name XXXX XXXX # XXXX, Account name XXXX XXXX # XXXX Account name XXXX XXXX XXXX Account name CHILD SUPP # XXXX Account name XXXX XXXX XXXX Account name CHILD SUPP # XXXX Account name XXXX # XXXX Account name XXXX XXXX # XXXX Account name XXXX XXXX XXXX XXXX # XXXX has violated my rights. To privacy and confidentiality and Accurate Reporting under 15 U.S.C. 1681 15 U.S.C. 1681 Section 602 A. States I have a Right to privacy 15 U.S.C. 1681 Section 604 A. Section 2 : it also States a consumer reporting agency can not furnish a 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 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: Mortgage

I applied for forebarance in XX/XX/XXXX after losing my job XX/XX/XXXX. I asked the rep at the time if this would negatively impact my credit. I was told repeatedly, No. As of today, Dovenmuelhe is reporting my account 30+ days past due since XXXX. 

They gave me an email address to send proof. The email came back as undeliverable when I sent the proof. 

I've called more times than I can count, I've asked to speak with a supervisor and each time I'm told there is no supervisor avaiable, and they will have a supervisor call me back. I've NEVER received any call back. They use that as a way to get you off the phone and mislead you to think someone is going to call you back. It's just a ploy. 
I am back working again, at age XXXX, and I can not spend hours and hours on the phone with no results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spent half the day yesterday entering a detailed complaint ( # XXXX ) with you, the CFPB, against TransUnion ( TU ) WITH 21 pages of documentation attached ... AS SHOWN on the attached, YOU received the complaint, YOU assigned it a complaint #. I never received the e-mail it references telling me how I could follow updates, etc. So, as YOUR instructions state, I phoned your Helpdesk this morning. She tells me she can't find the complaint ... she tried by the complaint #, my name, my phone number, and my e-mail address. My options : spend another half day today doing it all again. Yeah, she apologized, but that don't do me any good ... I have to do it again if I want to register my complaint. How do I know it won't have the same fate as the first time ... LOST? What kind of systems are you guys running there???
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a lien release and information from my title company to all three credit agencies. XXXX responded immediately and made the necessary corrections. XXXX took a little longer but have made the necessary update/correction as requested. I have spoken to several representatives at Experian who have been rude and unprofessional at handling my request. Experian has confirmed that they had my information since XX/XX/XXXX but have not made the correction. At this time on my report it reads XXXX XXXX had started a foreclosure process which is not true at all. XXXX has sent me information stating that they have contacted all three agencies and do not know why Experian has not complied. Experian told me on XX/XX/XXXX that they are still waiting for XXXX to response from a request that I made on XX/XX/XXXX. The original request was made back in XXXX and XX/XX/XXXX XXXX responded but the response was incorrect. I made another request via phone and in writing to Experian and the update still has not taken place. I need Experian to update the remarks to state DISMISSED immediately so that I can move on with my life. This has been a difficult process and this agency has been very rude and not willing to cooperate with me at all. Please help my last request with your establishment was on XX/XX/XXXX XXXX and I thought that this would take care of all the agencies ; however, the two have replied professionally and updated the information correctly.
Product: Credit reporting or other personal consumer reports

On my credit report chase bank had repprted my account as past due in XXXX of XXXX back in XXXX they told me i qualified for debt forgivness and told me i qualied for hardship and forgave my debt. Than a year latter they come back trying to report to my credit buro.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon Team EQUIFAX : In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Im writing to dispute for the second time the following in my file. The item i dispute alse are encircled on the attachment copy of report i received. This item # XXXX of XXXX XXXX XXXX disputed by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc. ) is inaccurate or incomplete because ( describe what is inaccurate or incomplete and why ). Im requesting that the item be deleted ( or request another specific change ) to correct the information. Use this sentence if applicable and describe any enclosed documentation, such as payment records, court documents ) Enclosed are copies of documents supporting my position. Please reinvestigate this ( these ) matter and delete or correct the disputed items as soon as possible
Product: Credit card

I have made attempt to contact Capital One for over a year in regards to my account. I spoke to a representative a few months back and asked her to send me the information they used to report my account as a charge off to the credit bureau. Instead of sending me the information, they sent me a form to fill out. I sent the form back twice and they never sent me the information. They have yet to verify the information that is reporting on my credit.
Product: Payday loan, title loan, personal loan, or advance loan

I was charged unexpected interest that accumulated over time. I was never informed by the company that I used to have windows installed in my home that this would be the case with the third party company used for the payment plan, which is Synchrony Bank. 

I called the Synchrony Bank and the XXXX informed me that she attempted to refund me the interest charged, but that she could not override the system because it was past the 30 day grace period. It should be noted, she mentioned that the higher ups block this capability and she agreed this was unfair. 

I would like to inform you as well, that I did not pay off the windows ( loan ) in full because we were awaiting the final inspections from XXXX XXXX and the windows company was constantly remiss in sending the necessary documents for the inspectors. The final inspection did not happen until this summer. This was a constant issue with the window company, which communication has been remiss as well. The Synchrony Bank charged me the interest in XXXX.