23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My current Mortgage was through Suntrust Mortgage who merged with BB & T and is now called Truist Mortgage. In XX/XX/XXXX, I requested a forbearance due to being laid off because of XXXX. I then began paying my mortgage again in XX/XX/XXXX and contacted Truist and requested a repayment/deferred payment package as part of the Cares Act called a Partial Claim. I was told I would receive documents in 30-45 Days. After that time and not receiving the documents I called again and was told the last rep applied for it wrong and they would do it correctly ad now I would receive documents in another 30-45 days. Again the documents did not come, fast forward to XX/XX/XXXX, I am trying to refinance my mortgage through Rocket Mortgage but they need the documentation for the Partial Claim from Truist that I STILL have not received. I have called Truist 2-3 times a week since the end of XX/XX/XXXX and I am always told a supervisor will call me back in XXXX hours but it never happens. I have been told twice that documents would be emailed to me but again that has not happened. My documents are allegedly in the QA department since XX/XX/XXXX but I can't get copies to proceed with my refinance and therefor have been kicked back from underwriting with XXXX XXXX  and have lost my interest rate. I requested these documents originally in XX/XX/XXXX and they did not move to XXXX XXXX  until XX/XX/XXXX ( 7 months later ). The fact that I have gotten completely different answers every time I call Truist and no one can transfer me to a Supervisor or give me a Supervisors ' phone number is ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

Here is the list of items which are UNKNOWN to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Reported on my credit bureau is a false debt that I do not owe. It is over 5 years old and just now suddenly was reported. I never got a bill from XXXX XXXX in the year 2011 and I do not owe this debt of {$72.00}. My credit needs to be clear as I am refinancing a loan. This is not a true bill and must be removed from all credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX claims to be a collection agency reporting a collection account on my TransUnion credit report. On XX/XX/2020, using their address as shown on my XX/XX/2020 credit report ( please see attached screenshot ), I sent a certified letter to XXXX XXXX requesting validation of their reported collection account ( please see attachments ). Since that mailing, Ive received notice from the USPS ( please see attached ) that my letter was undeliverable because the  forwarding order for this address is no longer valid. Credit Visions incorrect reporting of their contact information has illegally prevented me from pursuing my legal rights under the FDCPA to obtain validation of the debt they are negatively reporting against me. 

Further, TransUnion is complicit with XXXX XXXX in violating my legal rights. TransUnion is reporting to have verified this debt on XX/XX/2020 ( please see attached screenshot from my XX/XX/2020 credit report ). It seems 1 )  they did not actually investigate this debt and opted to fraudulently report it as verified, and 2 ) they violated my rights under the FCRA by reporting inaccurate information on my credit report, thus preventing receipt by XXXX XXXX of my request for validation.
Product: Credit card or prepaid card

I applied for a Citi XXXX XXXX application ID XXXX was not approved because they couldn't verify some information. I called Citibank to verify what ever the problem is. No one was able to tell me anything and continue to past me from departments to departments until I was disconnected. I do believe I have been discriminated against.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you of serious violations of privacy and consent that have occurred on my credit report. Upon reviewing my credit report, I discovered inaccurate information that is being furnished by your respective agency, Equifax. This inaccurate information is causing significant financial harm to me. 

It is imperative that you understand that this information was not consented to by me during the initial investigation, as permitted by federal law. The laws and codes that regulate and enforce the remedy in such cases include but are not limited to : Fair Debt Collection Practices Act ( FDCPA ) Fair Credit Reporting Act ( FCRA ) California Privacy Act & Consent Act The account furnished by XXXX XXXX XXXX was not consented to by me, and the violation and monetary remedy value far exceed the debt in question. It is clear that this inaccurate reporting is a direct violation of my rights as a consumer. 

To avoid legal proceedings, I demand that you, Equifax, follow federal laws and the California Privacy Act & Consent Act that I have invoked. I request that you immediately delete this inaccurate account from XXXX XXXX XXXX from my credit report. 

This request is made pursuant to FDCPA and FCRA and has been invoked by me, XXXX XXXX. 

I expect prompt action on this matter and confirmation of the removal of the inaccurate information from my credit report.
Product: Student loan

I am trying to get out of default on my student loans. I had a Stafford Direct Loan, but I am now dealing with Coast Professional Inc. The person I talked to on the phone said that due to my unemployment, I can send {$5.00} every month for nine payments to get out of default. I receive XXXX income before I am unable to work, because I have to give my XXXX mom 24 hour care. I sent a letter from my mom 's doctor confirming this to Coast Professional. I filled out the paperwork and have sent the monthly payments as required. Now, they are calling constantly, saying my request was denied ( I never received any paperwork on being denied ) and they are now demanding more money and my Food Stamp information and said that my food stamps could be claimed as income. According to the Food Assistance program website, it states that food stamps is not to be considered income or legal tender. I am afraid that Coast Prof is trying to take away my food stamps. My food stamps is the only way I am able to feed my elderly mother and myself. How is this legal? They are still calling and harrassing me, despite the {$5.00} money order I send them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my credit report recently pulled, and there were multiple duplicates I've already reported, then there were 4 other companies on my credit report that ive never done any business with. 
XXXX # XXXX CAINE & WEINER # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX I've never did any business with these companies.
Product: Checking or savings account

Holding deposits, not being consistent with depositing money on time.
Product: Credit reporting or other personal consumer reports

I was trying to buy a house and I realized I had damages to my credit report. According to the 15 US C1681 law ( A statement by the customer that the information is not information relating to any transaction by the consumer ). There should not be any damages on my report! Its a defamation to my character.
Product: Mortgage

WHAT DOES RACIALLY DISCRIMINATION MEAN TO A BANK / SERVICER / LENDER AND EVEN THE ATTORNEYS THAT REPRESENTS THESE AGENCIES? 
I got my mortgage loan from XXXX XXXX through a mortgage broker on XX/XX/XXXX. The loan that I agreed initially was not the terms that I signed during the closing. But before I signed the document, I called to the mortgage broker to get him to correct the errors. But the broker assured me that due to time restrain, we should proceed to closing and get he would get the pre-payment penalty restriction to be removed and Interest-Only changed. After closing I called several times but to no availed. Meanwhile I was still making my pay and hoping that the error would be corrected ; but to my surprise from the Servicer at that time ( XXXX XXXX XXXX ), I could not refinanced the loan without paying for the prepaid penalty. 
On XX/XX/XXXX, since XXXX XXXX XXXX was handling the file, I decided to request for the Beneficiary of my house Note. These requests continued until XX/XX/XXXX, when XXXX produced a fake name of a Beneficiary ( XXXX ) and address of which a certified mail was returned undelivered. 
On XX/XX/XXXX, the Servicing of my loan was transferred to Ocwen Loan Servicing. I continued to request the same Note Holder 's information and the title information, but always receiving partial documentation ; hoping that I would stop my requests. 
On XX/XX/XXXX, Ocwen handed my file to XXXX XXXX XXXX XXXX XXXX for trustee sale. I tried to contact the trustee by both telephone and a fax within 20 days of Notice of XXXX to talk to them, but they refused to answer my correspondence. 
On XXXX XXXX while the trustee was preparing to auction the house, I found a House Bill Report XXXX XXXX which proof that I was within my legal right to request all the documentations and also meeting to resolve the issue before even the Notice of Default could be issued. Even though, the Trustee stop the foreclosure for the " meet and confer '', it was for a short time. It was my understanding that Notice of Default could not be issued until " meet and confer '' had been satisfied. But, Ocwen Loan Servicing and XXXX XXXX XXXX XXXX had teamed up and turned a deaf ears on my requests since I 'm XXXX and having a house in a most sought for in a XXXX XXXX XXXX, had blindly ignore the law and continue to harass me with their premature foreclosure notices.
Product: Debt collection

Synchrony Bank turned me over to XXXXXXXX XXXX  XXXX for Collections. They hired a process server who did not bother going to the last 2 addresses they have sent statements to for the last 5 years. They went to the original address I used to set the card up while I was moving and have not lived there in years. They served my XXXX XXXX XXXX father who cant hear and has memory problems. He had to be medicated to get his XXXX XXXX down and could have had a XXXX. 

Synchrony Bank breeched the agreement. In the tems of service they state they will not share my information with XXXX parties. They gave my info to my parents which has caused a ton of issues. My parents think my XXXX is being sued because we have the same first name but different middle name. They made no effort to distinguish while serving the wrong person at the wrong address.
Product: Money transfer, virtual currency, or money service

Ive came this far to be express my concerns regarding Zelle handling the dispute that were brung up by the CFPB lawsuit highlighting the issues with the platform Zelle. Ive used Zelle numerous amounts of time as well as reported discrepancies, my financial institution and Zelle themselves failed to investigate let along resolve the issue. I was informed that the recovery of lost funds was not something they would put time into. After further investigation I realized that the CFPB indicated that Zelle has not only failed to protect consumers yet also allowed repeat offenders to exploit the system right under the specified Zelle platform nose leaving us with unresolved issue me and vulnerable to scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

Macy 's changed my method of receiving billings and did not notify me. They took it upon themselves to put my account on e-bill system without notifying me. Apparently they emailed me my invoices and I did not receive, most likely went to spam or junk and I had a late payment that I didn't even know I had due. They reported a negative report to the credit bureaus and will not undo. Also, pay attention to your account number, they changed my account number for some reason as well and didn't tell me, you will want to put the correct account # on your payment. Why they would randomly change your account number is beyond me.
Product: Credit reporting or other personal consumer reports

This morning, I discovered incorrect accounts on my credit report, and I have no idea how they got there. As part of my routine, I checked my report, but this time, I noticed unexpected inconsistencies. I even tried refreshing my browser, thinking it might be a temporary glitch, but the errors remained. Since the inaccurate accounts did not disappear, I am requesting a thorough review of the documents I submitted to ensure I wont have to deal with this issue again.
Product: Student loan

My student loans are serviced by Navient. Over the last two decades, XXXX XXXX and Navient have failed to properly credit my account, have failed to place my loans in deferment and/or forbearance status. I am currently supposed to be in an interest only plan, which was explained to me that I would pay interest only until the age of XXXX ( I am currently XXXX ) and then the balance would be forgiven. ( I would pay tax on the forgiven amount ). My student loans exceed {$150000.00} because of the interest that has been improperly capitalized over the years, because payments have not been properly applied, etc. Now, they are telling me I am not in the interest only plan and that I am in another plan, paying nearly {$900.00} per month. This is not what I agreed to. I should be paying {$600.00} per month, as I had for over 5 years. Now they are saying I owe all kinds of back payments, etc. I have repeatedly disputed their claims. I have been unable to get a mortgage because of the false claims from the student loans company. I have XXXX kids to support.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 a collection popped up on my Transunion credit report. It is not mine. They removed it in two weeks after filing the dispute. On XX/XX/2020, the same collection popped up again. I disputed it. Transunion sent back saying the information was accurate without showing me how or why is what accurate. This is not my collection, I have never had a collection, and the gross negligence by Transunion is now affecting me personally and my family as we are trying to purchase a house during Covid-19 and Transunion is the complete reason why it is not going through.
Product: Credit reporting

Good morning, I would like to get the hard inquires removed from credit reports. Can you guys assist with this? Some of these are old and are affecting my credit score. Any assistance that you can provide is greatly appreciated. Thank you
Product: Credit card or prepaid card

I got a new Credit Card and when initially setting up ez pay I put full statement balance being I had a {$0.00} balance at the time. I get a balance transfer after this for $ XXXX/18 months interest free and obviously I dont want to pay the full balance anymore so I change it to minimum payment due. Well instead of changing it they took out the whole {$3000.00} balance transfer I got just a month earlier instead of the minimum payment I had changed it to 24 days earlier. I get a returned item fee from my bank and HBSC who is the credit card company is well it takes a billing cycle to change which I have many credit cards from other banks and no body does that because it makes no sense. No one changes what they want to pay just to have what was initially set up for to come out. No one on earth pays a balance transfer off the next month. They need to get like every other bank in the world and not wait 2 months to take effect. I contacted them and they just read a script about their rules which are beyond stupid. People make purchases during the month and need to change what is coming out since they dont have the money at the moment to pay for it. Its just common sense and common banking or business sense and they dont have any. Besides that the minimum payment also came out along with the {$3000.00} on the day exact day. Its not hard to correct this and change your policies because they are ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account on my credit report Extra that does not belong to me. I contacted the credit bureau XXXX with a dispute. They supposedly investigated and the company told them it was my account w/o any proof. 

I called XXXX and was told that my next step would be to file a complaint with the FTC. 

This Extra account started showing up on my credit report in XX/XX/XXXX with a XXXX balance but since XX/XX/XXXX it shows a balance of {$25.00}. Im concerned about this fraudulent account that somebody is trying to get loans in my name. This is NOT my account. I tried to contact Extra. They have a California address and a New York phone number. When I called the phone number I got a voicemail wanting me to leave detailed information about myself w/o being able to talk to a person. 

Please investigate and get this removed from my name and my credit reports.
Product: Credit reporting or other personal consumer reports

notice my credit report showing late payments in which I never miss a payment on the XXXX  account ( XXXX ) ( XXXX XXXX ) XXXX  30 days late XXXX  30 days late XXXX  30 days late July 60 days late consumer reporting agencies play a crucial role in accurately reporting consumer information I request a through infestation for these discrepancies and urge you to provide evidence such as statement proving late payment if unable to provide proof I demand this payment be update to paid on time XXXX XXXX WAIVE THE LATE FEES XXXX XXXX  WAIVE THE LATE FEES ( XXXX ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( XXXX ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( XXXX ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Checking or savings account

I have tried to close this account for a year. Their website does not allow me in even after reset of password and the bank doesn't send statements. I have asked for assistance many times and always the promise someone will call back to help with no return call. I have asked several times for the bank to close the account and send the balance which they promise to do but never do. The last time I called I was told I have to go to the branch XXXX miles away as the account is listed as inactive. I asked for a supervisor and was told they would call but alas they never follow up. They also cashed a check last XXXX which was over a year old even tho I was told that checks over 6 months old are invalid. I did get an email from the bank with a link to their website when I asked for a statement but alas it was a link to their Website which I can't access. unbelievably unresponsive bank. There is really something wrong with this bank.
Product: Credit reporting

I spent most of last year building my credit in preparation for a home purchase. In XXXX or XXXX I called Transunion to find out why they had not mailed my score to me yet. They told me my score on the phone, reported it as XXXX ( I later received written notice that the score was XXXX ). I called the bank and told the mortgage counselor my score and they advised me to have my credit run for a mortgage. The bank ran my score and told me it was a XXXX. I asked them to remove the inquiry because I relied on false information given to me by Transunion. The bank refused. Transunion refused to help me in that request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for an investigation of the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the LISTED account from my file. 
XXXX XXXX XXXX XXXX : {$3600.00}.
Product: Debt collection

on XX/XX/2021, i respond with a letter to tek collect, inc for a alleged balance of XXXX that i dont owe nor have any dealings with.they never responded back to my certified letter w/tracking # XXXX XXXX XXXX XXXX XXXX this is inaccurate information and needs to be deleted