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

I am responding to complaint number XXXX and number XXXX. This is my 3 time submitting this complaint. i am uploading the information once again. my full name Social Security number Complete addresses for the past two years Date of birth One copy of a government issued identification card, such as a drivers license, state ID card, etc. One copy of a utility bill, bank or insurance statement,.

I have requested to see Verified record of Experian and Transunion files. 609 ( a ) states information ON FILE ; sources ; report recipients. Every consumer reporting agency shall, upon request to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. This information should be in the credit bureaus files when they put this information on your credit report. I was instructed to contact the creditors for, all documents. Therefore they are reporting unverified accounts. Because this information should be stored in the credit bureaus file and in their computer database on every consumer.
Product: Credit card

Each month I set a automatic payment in the amount of {$100.00} to PayPal Credit- my minum payment is {$48.00} or lower and anything over the minum payment should go to my special finacing purchase automatically. But I have to call every month to have them to move the extra money to my special financing. Also they are messing with my credit by lowering my credit limit with them - example - If I have a {$2500.00} limit and my balance is {$1700.00} but then out of the blue they will lower my credit limit to {$1900.00} and that makes it look like I am maxing out my credit with them which in turn lowers my credit score. I have not been late on any of my bills but I do have medical bills that are on my credit report and student loans. But none of my credit cards, mortgage, car payments etc are late. This should be illegal!
Product: Bank account or service

Bank of America started charging monthly maintenance fee on checking account based on changed criteria. Earlier to XXXX 2015, BOA used to charge monthly maintenance fee of {$14.00}, if " monthly average balance '' is less than {$1500.00}. Since, XXXX 2015 the bank changed their criteria ie BOA started charging monthly maintenance fee of {$14.00} if single day balance in a month is less than {$1500.00}, even though average monthly balance exceed {$1500.00}. The website, online site clearly mentions maintenance fee will be charged if 'average monthly balance ' during a month is less than {$1500.00}. When you call customer service and complain they give credit on the fee charged.
Product: Credit card or prepaid card

Unable to resolve problem therefore account was closed/ suspended by creditor. 

A new account was then set up
Product: Credit reporting

I did not consent nor sign a contract to be a cosigner to a Student loan belonging to XXXX XXXX XX/XX/XXXX through Navient XXXX XXXX, PA XXXX, I want this loan information immediately removed from my credit report.
Product: Mortgage

I applied for a VA IRRR on XX/XX/XXXX and locked my interest rate at 2.625 % with a loan discount fee of 0.00 %. I estimated the value of my home at {$280000.00} due to having a recent appraisal completed with an effective date of XX/XX/XXXX. The lender ordered an appraisal even though, as I understand it, when discount points are not charged, a value determination is not required. ( VA XXXX XXXX, Exhibit A ) The Exterior-Only valuation, ordered by the lender, gave a value of {$270000.00} ; which I completely disagree with. I provided the lender a copy of the XX/XX/XXXX appraisal and a list of reasons for disagreeing with the value of {$270000.00}. ( see below ) The appraisal is absolutely ridiculous. So the appraiser is telling me, with property values Stable, Demand/Supply Shortage and under 3 mths marketing time.. He said, Demand is out-pacing supply, the value of my home has declined {$10000.00} in less than a year. WHAT? Thats absurd! 

I do NOT live in a Rural neighborhood. 

His low/high/predominate value is WAY off. 

The effective age of my home went from 5 yrs to 10 years in 11 months? 

Comp 2 is a 3 bedroom home. If you were in the market for a family home, would you consider a 3 bedroom home and a 5 bedroom home comparable? 

Comp 1 is well over a year old. If he were going to use 1 year old comps, why didnt he use XXXX XXXX XXXX XXXX? It directly compares to my home in square footage as well as bedroom count and sold for {$290000.00} Comp 4 is ridiculous ; old sale and on the market for 2 days as compared to all the others ; 96 days, 38 days, 110 days and 66 days. Was it a distressed sale? 

Ive attached my old appraisal for comparison. 

On XX/XX/XXXX, I received a new Loan Estimate that reflects the value of {$270000.00} and shows added discount points of 1.875 % ( {$5200.00} ). 

It is my understanding from Circular 26-18-13, Exhibit A ; A loan-to-value determination must be made when discount points are charged. When discount points are not charged, a value determination is not required. 

This lender originally locked my interest rate with no discount points, therefore, according to VA Circular 26-18-13, Exhibit A, a value determination is not required. I contacted the lender disputing the need for a valuation and disputing the value of {$270000.00}. I was told that " a value dispute almost never works '' and they'll try to find a way to increase my credit score above 700 so they can approve an above 100 % LTV loan. Now that the valuation that they have ( which I do not agree with ) reports a lower value, they are using this excuse to charge me an extra 1.875 % ( {$5200.00} ). 
I feel that this is nothing short of extortion. They ordered an unnecessary appraisal and are using the low value to extort another {$5200.00} from me.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

I demand a deletion of all personal identifiable information from my consumer credit report. Please delete all addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses. 

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section as well. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send/mail an updated credit report once the changes are complete to my contact information listed below. 

Thank You. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX # XXXXDate Opened XXXX-BALANCE {$8300.00} Account Name : XXXX  XXXX # XXXXDate Opened XX/XX/XXXX -BALANCE {$470.00} Account Name : XXXXXXXX XXXX # XXXXDate Opened XX/XX/XXXX - BALANCE {$8300.00} Account Name : XXXX # XXXX Date Opened XX/XX/XXXX - Balance {$130.00} Account Name : XXXXXXXX XXXX # XXXXBALANCE {$8300.00} Account Name : XXXX XXXX XXXX # XXXXDate Opened XXXXXX/XX/XXXX -Balance {$55.00} Account Name : XXXXXXXX XXXX  # XXXXDate Opened XX/XX/XXXX -Balance {$5300.00} Account Name : XXXXXXXX XXXX # XXXX Opened XX/XX/XXXX -Balance {$14000.00} Account Name : XXXXXXXX XXXX # ****Date Opened XX/XX/XXXX - {$0.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 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 the month of XXXX, I sent a letter to Experian asking them to reinvestigate 3 items on my credit report. The items were collections from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. I asked that the company provide me with physical documentation of how they verified the debts. I requested to be provided with original contracts bearing my signature and other physical documentation to support the information displayed on my credit report. Otherwise, anyone paying for Experian 's reporting services could fax, mail, or email a fraudulent account. I also disputed multiple inquiries from Experian and they were never investigated.
Product: Debt collection

Dear CFPB ; 1. I really need help because XXXX XXXX response to my complaint alleges there was no defective corporate transfer however, evidence will prove it has been 48 months since the lender conducted a corporate transfer, went into my bank account, took funds, refuse to apply them to my note and refuse to return the funds. As a result of their unwillingness to admit they committed errors, foreclosure proceedings were initiated against me for funds the institution is still holding 2. On the other hand, when XXXX  XXXX XXXX conducted a defective corporate transfer, the financial institution refunded my payment and offered options to assist with keeping my home ( Ex A ) 3. XXXX XXXX  refusal to correct the defective debt assignment caused the institution to violate debt collection laws when on XX/XX/XXXX, XXXX XXXX mailed two Notice of Sale of Ownership of Mortgage Loan letters to my home that alleged it was a debt collector, and its purpose was to collect a debt however, XXXX XXXX di not hold the note and no debt was owed to XXXX XXXX ( Ex B ) 4. XXXX XXXX continued to violate debt collection laws that interfered with my efforts to save my home when the institution filed a false objection to an approved payment plan in the XXXX XXXX  XXXX. Instead of correcting the defective corporate transfer XXXXXXXX XXXX submitted false affidavits, and filed two false claims that alleged there was a corporate transfer in XX/XX/XXXX, ( See Ex D ) 5. On XX/XX/XXXX, XXXX XXXX response to my complaint to the CFPB alleges XXXXXXXX XXXX conducted a corporate assignment with XXXX XXXX on XX/XX/XXXX, and recorded the deed in XXXX. 
6. XXXXXXXX XXXX obviously have no plans to correct their errors and my efforts to save my home continue to fail due to their conduct. XXXX XXXX have floundered the XXXX XXXX XXXX and continue to hold me in a state of oppression because of the refusal to voluntary dismiss the XXXX XXXX XXXX foreclosure proceeding. I believe the foreclosure proceedings is Res judicata 7. In the past XXXX recorded a corrective corporate assignment while XXXX XXXX XXXX prevented a foreclosure by refunding a partial payment. XXXX XXXX XXXX refusal to correct its failures has caused the institution to violate debt collection and other laws then hold me financially responsible. XXXX XXXX is a XXXXXXXX XXXX institution that will continue to impose abuse upon me upon me because I am indigent and therefore, I need your help to prevent a defective foreclosure
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX  XXXX XXXX XXXX {$480.00} XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX$480.00} XXXX XXXX XXXX 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 card or prepaid card

I was given an offer by Home Depot on-line - if I applied for a credit card I would receive a {$25.00} credit. The item I was purchasing would be {$25.00} less. It showed me the amount it would cost me. The offer is still up on the computer at this time at Home Depot. 

I had trouble getting my personal phone verified to have the application accepted and had to speak with a CSR. I have a copy of a " chat '' conversation with the CSR dated  XX/XX/20. I specifically asked when I would reieve the {$25.00} credit. In the " chat '' I was told it would show up on my FIRST statement!!!! 

I have recieved my first statement and it is not included. I have called the credit card company and was told on XX/XX/20 the problem was resolved and I would find the {$25.00} credit on my FIRST statement dated in XXXX. 

On XX/XX/20 I received my FIRST statement dated XX/XX/20 with a payment due XX/XX/20. I did not have the {$25.00} credit. 

I have emailed the Credit Card company and received an email this morning that shows my balance WITHOUT the {$25.00} credit applied. I called the credit card company XXXX this morning. I was told that I might not receive the {$25.00} credit for one to two billing cycles. I was also told that if I did not pay the full amount owed on my  statement I WOULD ( not could ) be charged interest on the {$25.00} amount that I should have been credited. They told me I MUST pay the full amount to not have any interest charged. 

Can you imagine how many people applied for this credit card and are being charged interest on an amount they never should have owed? The offer is right now on the Home Depot site. The offer is for {$25.00}, {$50.00} or a {$100.00}. For each one of these amounts the credit card is expecting to charge interest on the amount of the offer for one or two billing cycles. 

This is a copy of my chat - I have taken away full names and used only initials. 

XXXX : The {$25.00} promotion credit will be applied on your first statement. 
XXXX : It is showing that I owe {$94.00} - this is the wrong amount! When I get my statement it will then show the {$25.00} credit? Is this what you are telling me? 
XXXX : Are you still there? 
XXXX : Yes, I am still here. It takes a moment for me to see your messages. 
XXXX : That is correct. If your total is {$94.00}, the {$25.00} will be applied on your first statement. That would make the price {$69.00} on your first statement.
Product: Credit reporting

A company Called XXXX of XXXX XXXX has put an Item in my credit Report. When I called them they said they cold not send me a bill to XXXX ( They say they do not send bills out of state ) and I have never received any notification from them ( they told me they sent XXXX notifications, None which I received ). The just asked for a credit card number to pay an Item that I have no knowledge of. When I moved to XXXX I put in a change of address and have not ever had a problem receiving my mail. I have never received any letter or notification or Phone call from XXXX of XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to dispute some inaccurate addresses listed on my Equifax credit report. The addresses Im referring to are : " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My correct address is " XXXX XXXX XXXX XXXX XXXX XXXX  '' These inaccuracies could hurt my credit, and it goes against the rules by the Fair Credit Reporting Act that say credit reports must be accurate. Please remove thess incorrect addresses from my credit report right away. I also ask that you look into how this happened to make sure its not due to fraud or identity theft. Please fix this mistake and make sure my information stays accurate moving forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing my credit report, I noticed there was a student loan listed on my credit report from Navient which was apparently opened in 2007. I attempted to notify them that the account does not belong to me and I have never had a student loan, however they stated that my information was used as a co-signer on a student loan and I am responsible for the debt but would not listen to me that the account does not belong to me. 

I have never attended college so I have never had a student loan, my son was on XXXX years old in 2007 and has never had a student loan, and I never agreed to co-sign on a student loan so I filed a dispute with XXXX  and XXXX. Navient responded to the Disputes by " Certifying the information is correct '' and refused to remove the account from my name. I did not receive any further information regarding how the information was verified or certified by Navient, but XXXX and XXXX recommended filing a complaint if I did not agree with the results of the dispute. 

I feel it is unfair to report a debt against me that I did not authorize or agree to, nor should I be held responsible for a debt that I did not agree to or authorize. If my information was used to obtain a student loan, it was done without my authorization or consent and I should not be held responsible.
Product: Credit reporting or other personal consumer reports

Subject : Incorrect Reporting of Forgiven Student Loan Balance - Violation of XXXX U.S.C. XXXX ( a ) Complaint XXXX : XXXX. XXXX XXXX. XXXX XXXX. TransUnion Complainant : XXXX XXXX XXXX Email : XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against the credit reporting agencies XXXX, XXXX, and TransUnion for their continued inaccurate reporting of my student loan balance. Despite my student loans being forgiven, these agencies are still reporting a balance of upwards of {$17000.00} on my credit reports. 

This incorrect reporting is in clear violation of 15 U.S.C. 1125 ( a ), which addreses false and misleading representations in commerce. The persistent inclusion of a forgiven debt on my credit report is not only false but also detrimental to my financil standing and creditworthiness. 

Details of the Complaint : -Name : XXXX XXXX XXXX XXXX : XXXX -Inacurate Balance Reported : Approximately {$17000.00} - Type of Account : Student Loans - **Date of Forgiveness : XXXX XXXX Nature of the Complaint : XXXX. XXXX : Reporting a balance of {$17000.00} on forgiven student loans. 
XXXX. XXXX : Reporting a balance of {$17000.00} on forgiven student loans. 
XXXX. TransUnion : Reporting a balance of {$17000.00} on forgiven student loans. 

I have made multiple attempts to contact these agencies to correct the error, yet the false information remains on my credit report. This situation has caused me significant distress and has impacted my ability to secure new credit and financial opportunities. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter and ensure that XXXX, XXXX, and TransUnion correct my credit report to accurately reflect the forgiven status of my student loans. Furthermore, I seek any necessary action against these agencies for their violation of federal law. 

Thank you for your prompt attention to this serious matter. 

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

XXXX {$120.00}. Telephone creditor and asked why not reported. They replied they have a freeze on notifying the Credit Bureaus of any updates to the account. The account is at a {$0.00} balance, but the report still shows I have a balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Product: Debt collection

Credit Control, LLC has no true number! On the top of this settlement offer. I tried multiple times on XX/XX/19 - XX/XX/19 - XX/XX/19. It clearly states office hours ( EST ) are Monday- Friday XXXX XXXX - XXXX XXXX   XXXX - TTY XXXX. Did my own research and found a list of numbers. Today Monday XX/XX/19 I tried one of the numbers XXXX on the list and finally I got ahold of someone. The employee told me she's was needing my information on the letter that I received. Before she was able to give me anything I was just calling in to get a good fax number! Than I told her that she's going against all my rights. She than decides and said out loud That she dont have to hear this and disconnect our call. She was trying to be misleading and very rude. So I did call back and the next person I talked with gave it right to me XXXX and I did confirm again with the fax number. Never heard of this company.We have no clue who Credit Control are. We tried for over 10 days to talk with a real person on the phone. It don't hurt to be overly cautious these days.