23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Re : XXXX Based on the fact that you have closed this case because the company ( Medicredit ) has responded, how do I access the response. I have not heard from Medicredit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

We've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not remove the account because they feel they're above the law. When questioned why they're not accepting the Dispute Letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Dispute Letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
BANK XXXX XXXX XXXX Open Date XX/XX/2018 Balance : {$0.00}
Product: Mortgage

I applied for several loan modifications with PHH Mortgage beginning in XX/XX/XXXX. I was denied in XXXX of XXXX, reapplied & denied XX/XX/XXXX. I reapplied in XXXX of XXXX and was approved with the same loan amount that I previously defaulted on. PHH inflated my income so that my payment could remain the same and it is documented on the paperwork I received from them. The interest rate also did not change. When I spoke with the relationship manager after the approval, he advised the first payment was due on XX/XX/XXXX. The three month trial agreement letter was due on XXXX XXXX. I made the first trial payment and emailed the agreement on the XXXX of XX/XX/XXXX. It wasn't until I went to make the XXXX payment that I found out that my modification was cancelled because I did not return the trail agreement letter on the XX/XX/XXXX. I made several calls to PHH to make the XXXX payment and spoke to several representatives before one told me the reason why I could not make the payment. PHH did not send me anything in writing regarding the cancellation. I also reached out to the relationship manager directly and asked if he could assist with getting it reversed since a payment was made and he advised the underwriters would not reconsider. I asked for the denial letter and that is when I read it and the approval from XXXX which says they inflated my income so I could afford the payment on their terms. I am no longer able to reach the Relationship Manager directly because the option to dial an extension is no longer given. On XXXX XXXX I applied for another modification. I submitted all necessary documents and had to resubmit tax documents three times because PHH claims they could not see the documents. The third set of tax documents was just sent on XX/XX/XXXX. This experience has been extremely drained, stressful, and has me feeling hopeless dealing with this company, especially with what is going on in the world today. I do feel as though their intention has been to help me. It is always a hassle to get information when I call and quite often I don't get valid information. I've also put a complaint in with HUD regarding this matter for assistance as well.
Product: Debt collection

After disputing an auto account from Credit Acceptance they continue to verify the account as mine even though I have submitted the police report that outlines the account as not my liability. The reporting of this account is causing damages to my credit rating and my image. I will continue to take necessary steps to have this account removed from my credit reports and my responsibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a situation where XXXX XXXX is reporting on my credit for a transaction that was cancelled. This transaction is now reporting on my credit and hurting me both financially and personally. I have been writing home depot for years now and they continue to report this account while in dispute and their intent is to hurt and damage my credit reputation. 
At this point I am in correspondence with an FCRA to look at how the bureaus handled this investigation and he will investigate home depot 's process into this issue. This is an account that was charged interest and fees for a cancelled transaction. This is a disputed inaccurate account that is on my credit and needs to be removed. This is an violation of several laws including section 1681 ( i ) ( a ). There needs to be a reasonable investigation into this dispute matter AND its the bureaus responsibility to go beyond the original source. 
Please see attached information.
Product: Payday loan

Since XXXX 2015 I have paid {$620.00} in interest and {$230.00} in fees on a {$1000.00} loan. My balance two weeks ago was {$700.00} something and today it is over {$900.00}. My payments come directly out of my checking account. This is absurd. What can I do?
Product: Credit card or prepaid card

Paypal Mastercard by Synchrony Bank has a continual ongoing problem, posting my payment correctly, or at all. I have several accounts managed by Synchrony, yet, this one account has an issue ACCEPTING my payment. This month was the worse ever and has cost me over {$50.00} in interest and late fee, and according to the representative today, a 30-day late applied to my credit report, which I still do not understand. Payment was due XX/XX/XXXX, and today in XX/XX/XXXX, that is not 30-days late. Representative stood me down, that 30-days starts from the date my previous payment was due. 

WHY?!?!??! does Synchrony follow a completely different set of rules than any other financial provider? 

I was told today that Paypal who is now owned by Synchrony, per the representative today, had a " known payment application problem '' - yet still wants me to have my bank send proof my payment could not be sent and without such I am not entitled to reimbursement of fees and interest. WHAT A XXXX. 

Just refund my finance and late fee, REMOVE any false reported 30-day late, as I was because off KNOWN PROBLEM, 16 days late, but only found out today, when I got a text message to " get your account back on track '' - I thought what the heck? Back on track, I have no balance, well little did I know. 

And honestly, if you Synchrony hates their consumers so much, let me know, so I can take my business elsewhere.
Product: Credit reporting or other personal consumer reports

This agency provided obscured documents and seems to have reported inaccurate information to the credit agency about my identity.
Product: Mortgage

WE ARE REQUESTING FOR A REPAYMENT OPTION/PLAN OR MODIFICATION SO THAT OUR ARREARS THAT WE ARE PAYING THROUGH CHP XXXX BANKRUPCY, WE CAN HAVE THE BANKRUPCY CONVERTED TO A CHP XXXX AND PAY AN ADDITIONAL XXXX MAX A MONTH TOWARD OUR ARREARS SO THAT WE CAN CURE OUR ARREARS BECAUSE WE CAN AFFORD TO PAY OUR BANKRUPCY PAYMENTS, BUT THINGS ARE TIGHT BECAUSE WE ARE MAKING A HUGE BANKRUPCY PAYMENT OF {$1800.00} A MONTH. OCWEN OFFERED US 3 MODIFICATIONS BETWEEN XXXX, BUT DUE TO ME BREAKING MY ANKLE AND A YEAR LATER THE HARDWARE CAME OUT OF MY LEG CAUSING ME TO HAVE EMERGENCY XXXX. I AM NOT ASKING FOR A FOREBEARANCE ALTHOUGH WE PROBABY QUALIFY FOR ONE, WE ARE MAKING ENDS MEET AND WE ARE PAYING OUR MORTGAGE ON TIME AND WE JUST WANT TO CURE THE ARREARS WITH OCWEN/PHH BECAUSE THERE IS NO NEED FOR US TO BE IN BANKRUCPY WHEN WE CAN RESOLVE OUR OUR MORTGAGE ISSUES WITH OCWEN/PHH. THEY WILL NOT GIVE US A REAL REASON OTHER THAN WE WERE DENIED 6 TIMES AND THATS NOT TRUE, THEY NEED TO CHECK WITH THE SERVICER OF THE LOAN, OWCEN BECAUSE PHH IS COLLECTING THE PAYMENTS. 

THANKS VERY MUCH XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX, NJ XXXX XXXX XXXX WE LOOK FORWARD TO HEARING FROM YOU SOON.
Product: Credit reporting or other personal consumer reports

I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I am in the process of getting my financial affairs in order following some major health issues. In doing so, I noticed when I pulled my credit report, the charge-off and account closed with my credit card. 

I understand that I was way late with my payments and had reached out to them when my issues first began ; however, when some of the problems deepened, I failed to contact them. Because of that fact, my account XXXX in the amount of {$400.00} with the high balance being {$600.00}. With it being {$600.00} before, I should have gotten a 1099-C yet I did not. I did write them asking about that and did not hear back.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to the Consumer financial Protection Bureau ( CFPB ) regarding Bureau specifically in relation to the recent data breach that has compromised the personal information of countless consumers including myself. Pursuant to the Fair Credit Reporting Act ( FCRA ) s 605B ( 15 U.S.C s 1681c-2 ), I request the removal of fraudulent information from my credit report that has resulted from identity theft and fraud.Experican is legally required to complete this action within four business days of receiving this complaint XXXX XXXX XXXX Account numberXXXX XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number XXXX The accounts listed above are fraudulent and have led to numerous unauthorized hard inquiries and derogatory collections appearing on my FICO credit report.These entities are unequivocally tied to identity theft and are negatively impacting my credit standing. To substantiate my claim, I have enclosed documentation documentation of my FTC identity Theft complaint ( XXXX ) which serves as compelling evidence that these accounts, inquiries and collection are the result of identity theft and fraud. The negligence of XXXX in safeguarding consumer data has enabled identity thieves to exploit my personal information.I expect immediate action to rectify the matter, with acknowledgment of receipt of this complaint and confirmation of the steps being taken to remove the fraudulent information.Failure to comply with the legal with legal obligation will compel me to take further action, including escalation to the CFPB Federal Commission, and legal avenues available to protect my rights as a consumer. Thank you your attention to this urgent matter. Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i have filed a dispute in regards to the incorrect itemson my credit report. it has been well over 30 days and i have not received any investigation results. 

following inquires on report not recognized and disputed XXXX  XXXX date:XX/XX/2020 XXXX XXXX date:XX/XX/2020 XXXX XXXX date:XX/XX/2020
Product: Mortgage

I closed on a VA loan assumption with M & T Bank on XX/XX/2022. I have run into multiple issues with M & T Bank both before and after closing. Most recently : 1. The loan number provided to me prior to closing is different than the loan number now referenced on a letter dated XX/XX/XXXX and addressed to me. The loan number referenced on the letter is the same loan number as that which belonged to the former/original borrower. 

2. Because I was given the wrong loan number, my homeowners insurance declarations page references the wrong loan number in the additional interest information, potentially creating future issues with escrow payments and/or payments for insurance claim proceeds. 

3. I can not register for online account access with EITHER loan number. I receive an error message either way that the information I entered does not match the information they have on file. 

4. The aforementioned letter was mailed to the mailing address for the former/original borrower. I have never provided that address as my own mailing address. Because of that error, the letter was received by the former/original borrower first and did not get to me until XX/XX/XXXX, after that person returned it to XXXX. 

5. The aforementioned letter indicates payment in the amount of {$1400.00} is due XX/XX/2022. My closing statement confirms I paid that same amount as part of my closing costs on XX/XX/2022, and on the closing statement it is specifically indicated that the amount was for the XXXX payment.
Product: Debt collection

I respectfully request full investigation and based on the information I have provided I request the LVNV FUNDING LLC be fined for violating my rights and forced to comply with the regulations and laws protecting me from there unlawful practices. They placed a collection on my credit and refused to verify the alleged debt and they also refused to verify they owned the alleged debt they are attempting to collect. LVNV FUNDING LLC needs to provide the legal documentation they ( own ) the alleged debt ( Bill of Sell, Affidavit from original creditor verifying the Bill of Sell, and contract or agreement with my signature ) or cease all debt collection activities and remove the alleged debt from my credit files.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has failed to respond to my dispute, I have yet to hear anything from them. The letter is attached. I sent this letter which also contains my license for verification ( which should be more than enough to verify me being that they have my alleged information without my consent ) on XX/XX/XXXX. I received notification of receipt 2 days later being that their company is only 2 hours away. So there is no excuse.

Since Transunion it has been more than 30 business days since Transunion received my letter which is in violation of the FCRA. I am asking for the following accounts to be removed from my credit report immediately. 

XXXX XXXX XXXX
Product: Mortgage

I am the successor to my parents ' home. I had water damage to my home and applied for mortgage assistance XX/XX/year>. I took out a loan to make repair and struggling to pay both mortgages. 

Chase was supposed to mail additional documents for me to complete. I never received them. I have spoken to someone in the mortgage assistance department and requested they send another copy. I uploaded a letter on Chase 's portal on or about XX/XX/year> informing them of the same. I still have not received the required documents. I spoke to someone named XXXX on XX/XX/year>, and she promised to fax them to me at XXXX. I still have not received the documents to complete the mortgage assistance program. 

Yesterday, I called and spoke with XXXX and the mortgage assistance department is closed on weekends. She said my relationship manager, XXXX, would call me back on XXXX. I check my mail today the Chase is trying to transfer my loan to another lender and I totally disagree with this decision. I have been paying my mortgage and my parents mortgage 5 years since my mother passed away. I am human and acts of nature do happen. I just want a 4 to 6 months to catch up on everything while the repairs are being completed. A forbearance and extending the loan payments 4 to 6 months would be my help tremendously.

I have been making payments the last two months. However, I am a federal employee and a possible government shutdown is vastly approaching. I need to reserve some money because I will not have any income. Therefore, it is important this mortgage assistance is approved before that happen. I want this loan to stay with Chase because they are a reputable lender. I am currently living in this home while my home is being repaired. I have interviewed several candidates to rent this property and things should be back to normal by XXXX. 

Please help me get mortgage assistance and to keep my mortgage with Chase. 

Thank you, XXXXXXXX XXXX XXXX
Product: Consumer Loan

I applied for and was approved for a loan with Avant Credit, issued by XXXX on or around XXXX of this year. At time of application/approval, terms such as high interest rate of 35.94 % were not disclosed. Rate was learned about after reviewing terms on company web-site recently, it did not show previously. Had I known about such a high rate, I would not have applied. I borrowed XXXX and will be paying more than double that at end of 60 month term, this is ridiculously high. 

After doing some research, it appears Avant charges everyone the same flat rate, regardless of credit score/worthiness. My score at time of application was in the mid to high XXXX range and my rate should not be so high, there seems to be something shady going on here. A number of XXXX reviews show a large number of negative reviews about Avant, most about high interest rate. I spoke with a XXXX XXXX at Avant and was not able to resolve matter, he defended the rate and claimed to have screen shots showing terms, rate, etc. There is no way he can show/prove what was shown to me on my end/my computer screen, at time of application. 

This is XXXX of several complaints filed, previous complaints were referred to FDIC, Avant stated they received a similar complaint from them as well and replied. I have received no reply from FDIC in regard to this matter. If AvantXXXX thinks I will pay over XXXX in interest, more than the loan principle, they are sadly mistaken. 

In closing, please advise Avant/XXXX that they will not see anymore payments until rate is lowered. XXXX XXXX as well as another Avant rep have also been advised the same. Their address is XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, UT XXXX. My address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX
Product: Debt collection

XXXX XXXX XXXX has placed a {$3000.00} from a XX/XX/2018 medical bill in collections with Medicredit. The hospital refuses to submit the medical bill to my health insurance company to pay the claim. For two years, Ive requested this bill be sent to my insurance company who is willing to pay the claim. Each time Im told the bill will be sent but never is. Ive explained this to the collection agency who continues to report this debt on my credit report even though the my insurance has never had the opportunity to pay the bill.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NM XXXX TransUnion LLC Supervisor, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX FTC : XXXX CFPB : Date : XX/XX/XXXX Subject : Formal Dispute of Inaccurate and Fraudulent Information on Credit Report Dear TransUnion, I am writing to formally dispute several inaccuracies identified on my credit report. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I request that these inaccuracies be promptly investigated and corrected. The information in question is both incorrect and appears to have been fraudulently added. 

This dispute is submitted on my own behalf, without any third-party assistance. For your review, I have enclosed copies of my identification, Social Security card, an FTC complaint, and a CFPB complaint relevant to this matter. 

Additionally, I reference prior case law where TransUnion has been held accountable for similar violations : XXXX. XXXX XXXX Trans Union LLC ( XXXX ) : Found TransUnion liable for reporting inaccuracies and failing to remove erroneous accounts, violating the FCRA. 


2. United States v. TransUnion LLC ( XXXX ) : Highlighted ongoing FCRA violations, resulting in penalties for non-compliance. 



The specific violations I am addressing include : 1. Fair Debt Collection Practices Act ( FDCPA ) : TransUnion has inaccurately reported debt collection information, potentially violating FDCPA provisions. 



2. Fair Credit Reporting Act ( FCRA ) : Numerous FCRA violations, as documented in cases like XXXX XXXX Trans Union LLC. 



3. Attorney General Actions : Government enforcement actions, such as United States v. TransUnion LLC ( XXXX ), have cited TransUnion 's non-compliance with FCRA standards. 


Requested Actions : Under 15 U.S.C. 1681c-2, which mandates the removal of information resulting from identity theft within four business days, I request the immediate correction and removal of the following erroneous accounts : XXXX. Accounts : XXXX XXXX XXXX ( Account # XXXX ) Date : XX/XX/XXXX Balance : {$7800.00} XXXX XXXX XXXX. 

Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX Phone : ( XXXX ) XXXX XXXX. Inquiries : XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX  I trust that TransUnion will address this matter promptly and comply with all legal obligations. Please provide a written confirmation of your investigation and resolution. Should you require any additional information, do not hesitate to contact me at the address above. 

Sincerely, XXXX XXXX
Product: Debt collection

Portfolio Recovery Associates still is contacting to collect a debt via phone after sending them a court ordered letter that the charge had been dismissed and no further action to be taken. They still contact me stating that they are threatening litigation which they ca n't for the same charge twice. I 've asked them to stop calling based on FCRA rules and they still keep calling me weekly. They say its their company policy that any request has to be made written and that they will keep calling and I am responsible for this debt. I have all court documents showing otherwise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have 3 pending complaints against the credit reporting agencies. According to the FCRA the credit reporting agencies are in violation and the accounts are to be deleted off my credit report while the investigation is in progress. Please ensure Transunion XXXX XXXX remove the following accounts off my credit report until the investigation is complete. 

Complaint ID XXXX XXXX XXXX
Product: Credit reporting

I noticed when checking my credit report that there was a bankruptcy on there and I called transunion to dispute it and they told me that I would have to call the consumer which is the XXXX XXXX Court when in calling them I gave them the necessary information and they informed me that they had no record of me having a bankruptcy in there court system. So I then called back to transunion to dispute it once again and they sent me a letter stating that it is indeed me that has a bankruptcy. I have never lived in the state of California. Now I called the courts back and they had me get in contact with the US trustees, they did some digging and found out that it is a male with my madden last name and our last XXXX digits are the same but the rest of our SS numbers are different. And for the life of me I do n't understand how this could happen and if I found out this information why could n't do the same. And if it is on Transunions why does n't it appear on the others if it were true. I would like this to be taken care of. They were rude when I called them and I really did not appreciate the way they talked to me