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

The name of the company is called XXXX XXXX XXXX however they show up on my XXXX and transunion report as XXXX XXXX XXXX. THEY ARE REPORTING ON BOTH MY XXXX AND TRANSUNION THAT MY ORIGINAL BALANCE FOR MY LOAN IS XXXX. They are currently reporting that I still owe XXXX and that my last payment was in XXXX. This is deceptive/ incorrect information as I pay them $ 366 monthly and have paid in full as of XXXX, XXXX AND XXXX. $ XXXX. Which means I current owe {$94.00} and this needs to be reflected on both reports immediately. The payments are on autopay every two weeks. This company is very deceptive, unprofessional and shady, Ive asked to speak to supervisors on XX/XX/2022 and was told I can only speak to one supervisor per day. This company has also taken money from my account without my permission and then told me I had to wait 3-5 business days after theyve taken money from me. Please update my credit report correctly.
Product: Credit reporting or other personal consumer reports

REMOVE THERE WAS NO INVESTIGATION Dear transunion PAST DISPUTE TRACKING # XXXX # XXXX # XXXX XXXXXXXX XXXX XXXXXXXX XXXX Ssn : XXXX XXXX. XXXX XXXXXXXX : No notice of dispute. Delete for violation of FCRA 623 ( a ) ( 3 ). I disputed on XXXX by XX/XX/year> there was no notice of dispute. Delete this account for false reporting & failure to update information under FCRA rights remove or delete immediately. 

SOLUTION : i want this account removed or deleted for no notice of dispute thats a violation been 3 months & theres still no notice of dispute this is failure to communicate please remove this account. i have past credit reports that shows they havent put notice of dispute 3 months ago nothing changed. Delete or remove XXXX XXXXXXXX
Product: Payday loan, title loan, or personal loan

In XX/XX/2019 I placed a complaint on Republic Finance website about them calling my job and I asked them not to call my job it was embarrassing. Someone called me back several days later I think his name was XXXX and he said no one would call my job again and I could do my business in the XXXX XXXX office instead of XXXX. Well in XXXX someone called my job and again on XX/XX/XXXX. They said they were calling to verify employment for garnishment. I was only one payment due not even 30 days. Then today XX/XX/XXXX someone called again from XXXX. My supervisor is the one who answered the phone which was completely embarrassing and I feel like it is a privacy violation because now everyone at my job knows I have a loan with them and is obviously past due. This is why I asked for them not to call my job the 1st time by phone and by the online complaint. I told the woman that called today that I have asked them several times not to call my job and she basically kept on and would not end the call, I had to hang up on her.
Product: Mortgage

My first call to TRUIST re assisting with lowering my HELOC rate was on XXXX I was on the call, being transferred around to multiple representatives. The only suggestion that was offered was for me to go into a 3 month deferment plan where I would have to pay back the interest within the remaining 9 months of the year after the 3 months were over. When I explained this was an interest only loan, and that wouldnt help me since I would end up owing more money, I was instructed to go into a TRUIST branch to meet with an advisor. This call in total lasted XXXX hours with hold times, and being put into the correct department. 
I met with XXXX XXXX in person at XXXX XXXX XXXX, in XXXX XXXX, fl. at XXXX the very next morning ( XXXX ) and she was told that the branches couldnt provide assistance. She put me in touch with the relief department at HELOC where they encouraged me to fill out a XXXX XXXX XXXX XXXX. This took an hour I compiled everything that was asked of me and submitted the forms on XXXX. 
I received no communication, and even sent a follow up email to confirm they had received all the necessary paperwork. 

I spoke to XXXX, a representative from Truist on XXXX to let me know that the information was under review and they were seeing if I would be eligible to extend the life of the loan with an affordable interest rate. 

On XXXX I was told from my employer XXXX XXXX XXXX that my position had been eliminated and my last day of work would be on XXXX On XXXX I was contacted from TRUISt and told that I was not eligible for any relief, except for the original deferment option that I was provided on XXXX. When I explained that my position had been terminated, they said there was nothing they could do but put me in the same 3 month deferment plan that would essentially force me into owing more on my interest only HELOC within 9 months. I called back later that day to explain my situation again, and I was offered the same 3 month deferment option. today I called back again today, this time with my sister on the line who was trying to assist. The recommended I fill out the application again and add on that my position was eliminated. They recommended I call truist mortgage to try to combine my HELOC and my first mortgage. I did this as well. They said they were unable to do this, and offered the same 3 month deferment plan as the HELOC branch. I am currently on time with all of my payments. When I expressed that I didnt want this option, They recommended to fill out an application for mortgage assistance. Another XXXX hour call. 


Within the past 18 months, I shared with both the mortgage side and the HELOC side that I have undergone a XXXX, and a recent loss of job. I am a XXXX XXXX XXXX XXXX XXXX XXXX 

Bottom line is, I feel like I am being forced to go into default on my payments in order to get any loss mitigation relief.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanyin g things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

On XXXX XXXX I was alerted by credit wise and XXXX XXXX that there was a hard credit inquiry to my report from capital one. I already have a capital one card. I asked them why they would do that without telling me, they said they had an application come through for a card, in my maiden name. I have called them daily to remove it from my report. They said the bureaus have to. XXXX and XXXX XXXX said I had to contact Federal Trade Commision. Nobody can help me dispute this report and I have been working hard on my credit so I can get a car. This knocked me down for nothing. I need to have the inquiry off of my credit report.
Product: Debt collection

Due to the pandemic I only worked less than XXXX hours per week I had a XXXX XXXX XXXX  my son had XXXX  as well as being XXXX XXXX I had additional fees due to XXXX  for example XXXX  fees and XXXX  fees to XXXX  fees for my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I reached out to the rent paying organization so that my rent can get paid because I was struggling and getting assistance from my family XXXX XXXX or XXXX XXXX sent XXXX XXXX XXXX  months of rent on XX/XX/XXXX for my rent the XXXX XXXX sent the check back knowing the fact that if I did not qualify I would not have received funding I do not owe XXXXXXXX XXXX a XXXX last I have emails that I sent to her and her boss because of their negligence. I have also filed a lawsuit with the state of Texas because due to the pandemic this company falsified their rent prices online which is called price gouging.This company Hunter Warfield is operating off of false pretenses and they need to remove this from my credit immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX {$0.00} XXXX {$3900.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 a finance inquiry was posted to my credit report initiated by Credit Plus This report was published without my consent. I am aware that Pursuant to the Fair Debt Collection Practice Act section 15 USC 1681b ( c ) ( 3 ) the creditor shall not furnish to any person a record of inquiries unless initiated by consumer. Also pursuant to section 15 USC 1681 b ( a ) ( 2 ) a reporting agency ( Credit Plus ) can only furnish a consumer report in accordance with written instructions by ( myself ) the consumer. Neither written instruction nor consents were initiated at ANY time. Therefore, pursuant to the above, I as the consumer have been violated and my privacy has been breached.
Product: Vehicle loan or lease

I have a XXXX XXXX XXXX financed with Santander since XX/XX/2015 ... they reflect I have multiple late payments which I highly disagree ... the finance amount was $ XXXX  for 72 months ... ..I called and acquired information that I have paid over {$3000.00} since acquiring vehicle. HOWEVER on my credit report it reflects $ XXXX and 83 months ... ..HOW ... ..the representative I spoke gave me manager name and extension and I have left over 20 messages for resolution and get no return call ... ... I FEEL CORNERED AND A VICTIM OF A PREDATORY LOAN!!!!

INFORMATION IS TOTALLY INCORRECT ON MY REPORTS / CREDIT BUREAUS ...

VIOLATION OF FCRA 609 AND EACH I CHALLENGE WITH THE MULTIPLE BUREAUS THEY CEASE TO PROCEED THEYVE DONE SUCH ... 

LENDER SENDS RANDOMLY STATEMENTS THAT FLUCTUATE WITH NO SENSE
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is AVANT. I disputed this AVANT account as fraud back in XXXX AVANT did remove the fraudulent account from both my XXXX and XXXX accounts. AVANT has been however reporting actively month over month as a charge off account since that time on my XXXX account. This has been affecting my reputation and credit profile negatively. I am demanding that all reporting attempts on this fraudulent account cease and desist and be immediately deleted from my XXXX and credit profiles permanently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted on four occasions to dispute a bankruptcy that is being reported on my credit report. I attempted on the following dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and each time the credit bureaus will report that the information on my credit report regarding bankruptcy is accurate and correct. Each time the credit bureaus will not give me evidence that the information is accurate and correct. I am asking that the bankruptcy be deleted because the information is inaccurate and correct. When I contacted the court, I was informed that they did not send any information to any credit bureaus therefore I would like to know where the information come from that is being reported on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This issue has been going on for months stating that my account is open whi8was included in a bankruptcy not a chargoff account. They said that it was correct my attorney has pr6proof to them and was told that they would fix the issue and they have not. I asked them to remove it and they declined.
Product: Debt collection

I filed a Chapter XXXX Bankruptcy on XXXX/XXXX/XXXX in my married name of XXXX XXXX. My discharged was date was XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I received a call from XXXX from Global Solutions. She asked for me my XXXX XXXX, that is how they have me filed. Their case number for me is XXXX. XXXX called my son and wanted me to call her back. I called her back on XXXX ext. XXXX. But she had called me from XXXX. XXXX advised me she is representing a payday loan company. I asked her the name of the company but she talked so fast I did not understand her. Any loan that I received was before I filed for bankruptcy. XXXX advised me that I had committed fraud and I did not. So I hung up the telephone. She proceeded to call back and I refused to answer and let the phone ring at least 10 times. I called the lawyer who had represented me in the bankruptcy and was advised that this was a scam and referred me to you. Please help me.
Product: Checking or savings account

On XX/XX/XXXX I opened an online checking account at Sun Trust 's online banking website for their XXXX Debit card. I transferred {$5000.00} into this account from my XXXX XXXX account. Then went back online to get a direct deposit form for my employer and was unable to login. My Debit card arrived in the mail that day so I called to activate the card I was told that my account was frozen and that I would need to call the next day to speak to someone. I did call. I ended up speaking to someone who was not in the lower 48. Could not understand anything they were saying and was transferred to someone in the US. I was told that my account was me being investigated by your fraud department and that SunTrust was still currently looking into my account and that I would receive a letter in the mail stating the outcome of your fraud departments investigation. I then demanded to speak to someone that could help answer my questions. That person had no answers for me either. I then had to ask to speak to someone else. That person was unable to give any answers as to when my funds would be released to me. XXXX XXXX at their Tennessee office who is a supervisor of another supervisor could not provide me with answer as to why SunTrust is holding my {$5000.00}. No one at SunTrust can answer why or when? I was given another number for their Account Security and Claims team at XXXX. This is an off Shore customer service call center. No one there could tell me what was going on or when my money would be received,
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX - Account Number : XXXX - XXXX - Account Number : XXXX
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 more than 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting Act XXXXt Accounts # # XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX # XXXXXXXX XXXX XXXX Violated my rights 15 U.S.C ( 1681 ) SECTION 602 A STATES THAT I HAVE THE RIGHT TO FAIRNESS, Impartiality, and privacy 15 U.S.C 1681 Section 604 A Section 2, A Consumer Reporting agency Can not Furnish A Account without My written instructions
Product: Mortgage

Regarding Mr.Cooper home loan XXXX Since a XXXX XXXX, 2023 email from Mr. Cooper was sent to ( all? ) clients, telling of a complete company shutdown, I attempted to contact Mr. Cooper to receive a payoff letter. 

For weeks there was no ability to contact MrCooper, not phone, nor writing, nor internet. I was not able to find current contact/correspondence information and my most recent information from them was years old. Finally, on XX/XX/2023 I was able to gain access to corporate telephone numbers and MrCooper 's website. 

On XXXX XXXX, 2023 I utilized their company website to request a payoff amount letter. Their website claimed 4-6 days processing to deliver a letter to me via their website. Non have arrived as of XXXX XXXX. 

I spent several hours attempting to call the customer service agent " assigned '' to me, to be disconnected in the voice prompting jungle each time. I did make contact with two agents on subsequent days, with me having over a one hour conversation with the second agent. The conversations yielding much different and conflicting information as to the payoff request process and the turn-around time required. 4 days? 6 days? Web? Email? process of notice to me that the letter was available, etc .... all conflicts with what the Website stated. 

Mr. Cooper has a public foreclosure sale scheduled for XX/XX/XXXX. It is impossible to payoff a loan when the mortgage company will not provide the legally required information IN THE MANDATED timeframe. ( Federally mandated max. of 6 days? )
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to dispute inaccurate and damaging information that has been reported on my credit report by XXXX. According to my records, a late payment was reported for my account number : XXXX Date late payments : XXXX XXXX This information is incorrect and negatively affects my credit score. I have attempted to resolve this matter with both your department and the credit bureaus without success. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, you are required to provide accurate and verified information on my credit report. To date, I have not received an adequate response or verification of this information. Therefore, I request that you immediately remove the reference to the XXXX XXXX  late payment from my credit report. I further request that you notify the credit bureaus ( transunion XXXX ) I appreciate your prompt attention to this matter. Sincerely,
Product: Credit card or prepaid card

I have actually resolved this problem but am very concerned about others in this same predicament. I received a bill for {$23.00} from  Chase milea ge plus  XXXX  in  XXXX  with payment due on Sunday,  XXXX   XXXX . I paid the bill via bill pay from my bank on  XXXX   XXXX . The payment arrived  XXXX   XXXX , Tuesday. My next bill arrived with a {$15.00} late charge on a {$23.00} bill. I found this to be infuriating and appalling. I have received assurance that my account will be credited next month but I am still angry and wondering if this is even legal? Thanks
Product: Mortgage

I am a XXXX person. I had a XXXX XXXX. I have had to take a different job that pays me less than my original job. I have asked Wells Fargo for help in lowering my payments. They continue to refuse to help me even though I am eligible under HAMP rules. They are discriminating against me because I am XXXX. They are breaking ADA laws and are trying to get away with it. They are trying to force a XXXX person out of their home. They would rather see a XXXX person on the street then give them a lower payment that they can afford.
Product: Credit reporting or other personal consumer reports

Subject : Request for Deletion of Two Accounts - Urgent Action Required from TransUnion and XXXX Dear Credit Bureau Representatives, I am writing to bring to your attention a critical matter regarding my credit report. Recently, I discovered that XXXX has deleted XXXX accounts from my credit report due to inaccuracies. The accounts in question were erroneously reported and have since been deemed invalid by XXXX. 

As XXXX has taken the appropriate action to rectify this error by removing the accounts from my credit report, I am requesting that TransUnion and XXXX also follow suit and delete these same accounts from my credit reports with your respective bureaus. 

The inaccurate reporting of these accounts has had a detrimental impact on my credit score and financial standing. It is imperative that all three major credit bureaus accurately reflect my credit history to ensure fair and accurate assessment by creditors and lenders. 

I have attached documentation from XXXX confirming the deletion of these accounts for your reference. I kindly request that TransUnion and XXXX investigate this matter promptly and take the necessary steps to remove the disputed accounts from my credit reports. 

I appreciate your attention to this matter and look forward to your prompt resolution. Should you require any further information or documentation, please do not hesitate to contact me. 

Thank you for your immediate attention to this matter.
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 : XXXXXXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX 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
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 con
victions of crimes which antedates the report by more than 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: Credit reporting or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect, and unverifiable that are kept to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX