23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Acquired a used vehicle loan from Truist that was dispersed on XX/XX/year>. I paid the loan in full, including {$550.00} interest, on the very first payment {$64000.00} which they received XX/XX/year>. They now state that I owe an additional {$550.00} in interest because the payment was not mailed to a specific address and I did not indicate that the payment was meant to fulfill the loan obligation. 

What I believe is the crux of the issue is that there were no instructions given on the statement I received nor the loan itself about how to pay the loan off. When speaking to customer service they state that people usually call, for instructions and that their were no instructions on any of the loan material that was provided to me. I believe that the protocols that Truist have in place an intentionally to deceive the consumer and make them pay unnecessary fees. I wonder how many people have been taken advantage of with these tactics. 

I only hope that the CFPB can provide myself help as well as other consumers deal with this unethical company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 2. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX
Product: Credit reporting or other personal consumer reports

To begin, I would like to ensure you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I recently reviewed my credit profile and noticed inaccuracies and false accusations and possible fraudulent accounts. Please note : The personal information listed below requires attention.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint personally regarding late payments on my credit report. Upon examination of my records, I discovered these late payment entries. Despite sending correspondence about this issue more than 30 days ago, I have not received any response, nor have I been provided with adequate validation. I request your assistance in addressing this matter swiftly and effectively.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. 
To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data preach and may nave gotten into the hands of the wrong person.
Product: Payday loan, title loan, or personal loan

I was out of work for a month due to XXXX. I went to the office where the loan was made and explained that I could n't make a payment for the foreseeable future but as soon as I could get on my feet that I would resume payments. Their solution was to loan me more money. That was the only option they offered. I could not get approved for another loan. 
They have called relentlessly ever since! Even though I have assured them that I had no money for the payment. 
The store manager even came to my house today depending payment! 
A day which the office is closed!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Inquires I didn't give permission to run my report
Product: Mortgage

Guild Mortgage Company never paid any of my property taxes from Escrow during the duration my loan was active due to an incorrect documented Parcel Number. We've just figured out the issue once we paid off and closed the mortgage account. The delinquent Tax Bill is {$8200.00} from XX/XX/XXXX to XX/XX/XXXX. Plus, in XXXX of XXXX, Guild Mortgage was responsible for the 1st Installment of XXXX Taxes for my property. At that time my loan was still open and my XXXX account was active and Tax payment was supposed to be sent to the county. It wasn't sent apparently. The total amount now due is {$13000.00}, because of Guild 's error, we are in the risk of having another Delinquent and losing our home if the payment is not paid. Talking to Guild agents on phone was a pain, their Customer Service is really slow and un-professional. We are expecting Guild to fix the problem asap, and compensate us accordingly. 

Summary for XXXX XXXX Total Amount Now Due : {$13000.00} Select Installment Delinquent Date Amount Due Status XXXX XXXX XXXX ( Secured Bill ) XXXX XXXX XXXXXX/XX/XXXX {$2500.00} Unpaid. 
Includes XXXX XXXX {$230.00} XXXXXXXX XXXX XXXXXX/XX/XXXX {$2600.00} Unpaid. 
Includes Late Penalty {$240.00} XXXX XXXX XXXXXXXX ( Secured Redemption Bill ) XXXX XXXX XXXXXX/XX/XXXX {$8300.00} Unpaid.
Product: Debt collection

They call my cell, my work and my mother! They have called me before XXXX XXXX  at least twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX  account # XXXX ( XXXX  XXXX ), # XXXX ( XXXX/XXXX  ), # XXXX ( XXXX XXXX XXXX ), and a few hard inquires from XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Money transfer, virtual currency, or money service

We found a condo to rent on XXXX XXXX XXXX  for XXXX XXXX XXXX Went to Wells fargo XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX to transfer funds to Wells Fargo Bank on XXXX XXXXXXXX XXXX XXXX had a check deposited from our account to the account given to us by scammers at the XXXX XXXX XXXX XXXX XXXX for {$6500.00}. This was the first payment of two. The banker assured us everything was in order with the account we sent the funds too. We communicated with scammers as they acknowledged receiving the funds. Next payment of {$7000.00}. was due in XXXX but now to XXXX XXXX  XXXX XXXX XXXX, the scammers told us they had problems with XXXX and so they have switched to XXXX XXXX. We had a check drawn for {$7000.00}. from our XXXX account and transferred to XXXX XXXX  XXXX XXXX XXXX. Again scammers said they recieved the funds and everything was good to go. Arrived at condo in XX/XX/XXXX to find no one there and no one to contect, scammers were gone. Filed complaint with XXXX XXXX Police and FBI. 
XXXX Wells Fargo Scam Department in XX/XX/XXXX, filed complaint. We were told at that time the XXXX account to which we made deposit in was closed in XX/XX/XXXX for fraudulent activity. Asked why we were not notified to which that answered they couldn't tell us for privacy regulations. I said how can it be a privacy violation when we knew the account number and name, again privacy regulation? Asked why the police were not notified to which they said they don't usually do this. I said once the police are involved legal process takes over so privacy regulation does not apply. He didn't know for sure. 
I have tried to resolve this matter several times with escalation to XXXX XXXX XXXX XXXX with no results, XXXX claims no responsibility in this scam I have said over and over if we had known in XXXX it could have lead to prosecution of scammers and stopped the second payment. All they had to do is notify XXXX XXXX Police, the detective I filed our complaint with said they would have contacted us to answer questions which would possibly made arrests, can not find out XXXX months later of account closure.
Product: Debt collection

When we last spoke, Mr.XXXX  advised me that he would stop the interest that day. Year to date, interest has accrued monthly. All verbal communications with Reps has been void. I have not received any written communications as I have requested on every occasion, since the initial mishandling of a payment arrangement that never made their system, just verbally communicated on a recorded line.
Product: Vehicle loan or lease

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and correct it from my personal credit file. Thank you.
Product: Debt collection

In XX/XX/year>, I submitted a written request for verification of the debt in question. To date, I have not received any response or supporting documentation as required under the Fair Debt Collection Practices Act ( FDCPA ). 

In addition to your agencys failure to validate the debt, I have been subjected to excessive and intrusive phone calls. Your representatives have called me up to ten times in a single day, often without leaving a voicemail. On the rare occasions when a voicemail is left, the message is vague and does not state the purpose of the call, further contributing to confusion and distress.

Under the FDCPA, I have the right to request verification of any alleged debt before any further collection attempts. Additionally, your repeated calls may constitute harassment under federal law. I demand that you cease excessive phone calls immediately and provide the requested debt validation without further delay.
Product: Debt collection

The following letter was sent to Credit Management LP on XX/XX/XXXX, no reply was received. 

On XXXX XXXX I closed my account with XXXX and returned the equipment on XXXX XXXX. I requested that XXXX send me a final bill for balance owed XXXX 2 days XXXX. 

I contacted XXXX on XXXX XXXX and XXXX XXXX inquiring about the FINAL BILL and was promised that one will be sent. 

On XX/XX/XXXX, I received a letter from Credit Management indicating tat I owed XXXX {$74.00} which was reported to the XXXX credit bureaus as a collection. 

I contacted XXXX on XX/XX/XXXX concerning my account being sent for collection for {$74.00}. I spoke with XXXX who researched that the amount I owed was {$20.00} which I paid with my credit card., she also said that {$52.00} will be adjusted. 

On XX/XX/XXXX I checked my credit report and found there was a balance outstanding in the amount of {$5.00}. I called XXXX and I believe I spoke with XXXX who indicated the amount was inadvertently charged and should have been waived and an adjustment will be made to the account. 

This charge resulted in my credit score being reduced from the XXXX 's to XXXX ( Poor ). I was not at fault for this vexatious charge from XXXX. 

I request that this collection and derogatory statement be removed from all XXXX credit bureaus and inform me by mail when completed.
Product: Debt collection

For the last XXXX weeks, XXXX XXXX XXXX has been claiming I owe a debt for unpaid furniture bills for over {$1000.00}. They continue to call my family members even after they have asked them to stop. They call continuously at all hours of the day. They had called in the past but ceased to call for over a year and a half and have just started calling again repeatedly. I have not been given any proof that I still owe a debt and their business practices are becoming harassing and unacceptable. 

They constantly ask for credit card numbers over the phone which I have refused to do every time. Their tone becomes extremely rude and aggressive after I refuse to give personal information over the phone. 

XXXX & XXXX are specifically the harassing and rude callers.
Product: Mortgage

I applied to Rocket Mortgage to refinance my home in order to use the equity as part of a divorce settlement. I was upfront when I spoke to the first representative about why I was refinancing as necessary for the pending divorce. I provided a deposit of {$500.00}. The house was appraised on XX/XX/XXXX. My soon to be ex-wife is on the current deed. I explained that I was well aware that she would have to sign a quit claim deed at some point in the process either with the new loan or as part of my divorce. I discovered on XX/XX/XXXX that she was sent a letter indicating my loan terms and the appraised value. She gave me the letter back unopened, but that could have seriously jeopardized the divorce process and settlement. 

On XX/XX/XXXX I received a call from the title company that Rocket uses informing me that I needed my pending ex-wife to sign a quit claim deed. They said that might rate might be in jeopardy. I called Rocket later that evening and spoke to a representative who told me that I should be ok and that I could ask for a rate extension on or about XX/XX/XXXX when the rate was going to expire. On Friday the XXXX, I received a call from their loan suspension department informing me that my loan would be suspended and that I would have until XX/XX/XXXX to get my pending ex-wife to sign a quit claim deed. I asked to speak with client relations and ultimately ended up asking for my {$500.00} deposit back. I emailed my original representative about this and verbally told client relations the same. 

My concern is that even though I was completely upfront about my pending divorce that I was still encouraged to proceed with the loan. Had I known prior to initiating the process I would not have pursued refinancing at this time. While I am aware that Rocket incurred costs ( appraisal ) associated with this, because I was misled and later felt bullied with the threat of a loan suspension I think was fair to ask for my deposit back. I was informed XX/XX/XXXX by Rocket that I would not be getting my deposit back.
Product: Payday loan, title loan, or personal loan

I applied for this payday loan.I want to pay off the loan to avoid the high interest but I can not come tact them and the amount they are taking out weekly is so much I can not pay my rent and bills
Product: Credit reporting, credit repair services, or other personal consumer reports

" XXXX  AND XXXX  '' CONTINUE TO REFRESH OUTDATED ACCOUNT OVER 5YRS OLD, NOT MY ACCOUNT AND VIOLATES " FCRA/ FDCPA AND FCBA '', BOTH " CRA '' VILATES SECTION 604,607, 611 AND 623 ( a ) ... ACCOUNT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

CMRE Financial Services of XXXX CA, specifically, XXXX and XXXX XXXX, submitted collection actions to the credit reporting agencies which dropped my credit score over XXXX points and prohibited me from getting jobs as I work XXXX and the collections on my account would make me ineligible for jobs in the industry. I contacted CMRE and they acknowledge that reporting invalid debts is illegal they only apologize and state they will remove them from the credit report. This does n't fix the fact that I 've been unable to apply for jobs due to the collections being on my report. The debts were clearly paid and no longer existed but CMRE did n't do due diligence to ensure the debts were valid and legitimate. They refuse to accept responsibility for their wrong doing.
Product: Credit reporting or other personal consumer reports

Asked to remove several inaccuracies on credit report under the FCRA and subsections that did not accurately reflect on my credit report. Alongside with removing any potential negative remarks from lenders or accounts closed that could potentially be impacting my credit score or credibility. I did not consent to any of this information to be shared with collections agencies or creditors and want it removed.
Product: Debt collection

LVNV FUNDING CONTACT ME TO PAY A DEBT OF {$30000.00} WHICH THEY CLAIM THEY BOUGHT FROM A LENDER AND I REQUESTED THEM TO PROVE THAT I OWE THIS DEBT .STILL NO RESPONSE
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding Transunion : Nobody answers the phone when calling, even after being on hold for 45 minutes and longer, after navigating their nearly impossible phone tree. 

I am unable to log in to my account at transunion. When I request a password reset, it asks you to confirm your identity via SSN and last name. Their website then .... reloads that exact page, asking for SSN and last name again. I am unable to contact Transunion to log in and access my account. I am unable to contact them to reset my password. 

When you go to their website there is no way to contact them, via email or otherwise. 

Why is transuinion allowed to hold my financial information again? Did I ever give them consent to hold my credit XXXX, and deny access to my financial information? Nope.
Product: Checking or savings account

I think it's important to note that I've had a credit card with Bank of the West for seven months before this happened. 

I was solicited by Bank of the West to open a checking and savings account. Because of COVID, I used the online account opening process. My accounts were initially opened in about 3 hours, and I was going to go make my opening deposits in the branch the following day. 17 hours later ( thankfully, before I wasted time sitting in the drive-thru, or then I'd be really mad ), I received an email that my account ( s ) were being closed " based on a secondary review. '' Since the employee had no other data than what would show on a consumer report because there hadn't been any transactions, and I doubt the employee did it just because he felt like it, there was most assuredly a requirement to provide me with an adverse action notice stating the credit reporting agency that was used and the REASON as required by the FCRA. 

I've heard of customers that can't get any account, only a savings account, a savings and checking, but I've never heard of anyone with a positive credit account at a bank being denied a checking account. 

There's another story on here where a customer was told to drive to a  branch to get things fixed, and it wasn't. I was told something similar. " If you open the account in the branch, you might be able to get an account because they use different procedures. '' I called the branch, and was told, " Don't bother. It'll just get closed again. '' These people will shut you down, and it will be inconvenient, costly, or ruin your credit. I was lucky in the sense that it happened before I made my opening deposit. If they'd have done it afterwards, I'd have been in a world of hurt having to wait for them to take their time refunding my opening deposit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on [ insert date of report ] and I noticed an unauthorized inquiry had been made. 

I contacted XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within XXXX business days of the completion of the investigation. 

Thank you for your assistance in this matter,
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed a order on " XXXX '' on XX/XX/XXXX and I selected ; the option for " 3 easy pay '' installments. I never, knowingly consented for " XXXX '' to pull my credit report. I talked to " XXXX XXXX '' sales engineer yesterday, evening Tuesday, XX/XX/XXXX, when he asked for my social security number to run my credit report. I told XXXX, NOT to run my report and I will call him back today ( XX/XX/XXXX ) once I decide how I wanted to proceed with this order. I checked my credit today ( XX/XX/XXXX ) and my credit was pulled without my consent. I never gave " XXXX '' my social security number to even check my info. 


Credit Pulled From : XXXX XXXX. 
Phone : ( XXXX ) XXXX x XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed that my credit score went down and I have great credit so this was a shock to me. There seems to be a collection account that doesn't belong to me from a " XXXX XXXX XXXX ''. I checked into the original debtor and its somewhere I have not been or used their services.
Product: Credit reporting or other personal consumer reports

About XX/XX/ shortly after having a loan with XXXX XXXX and XXXX XXXX XXXX I had issues with my payments being applied to my account and credit reporting 30 days late payment status, date opened, date of last activity, and date of last payment which are inaccurate with all 3 credit bureaus. 
Attached it shows how XXXX, XXXX, and Experian are inconsistent with reported information among each other. I have never been late, and it should read Paid As Agreed/ Never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

General Account Info Report Number : XXXX Date Generated : XX/XX/2020 Account XXXX XXXX Account XXXX Account TypeLease ResponsibilityJoint Date XXXX StatusPaid, Closed. {$3900.00} written off. 
Status UpdatedXXXX XXXX Balance- Balance Updated- Recent Payment- Monthly Payment {$0.00} Original Balance {$5900.00} Highest Balance {$0.00} XXXX Months Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX SINGLE XXXX