23daVinci/CFPB_Complaints huggingface dataset:
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. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the account as they are fraudulent & were opened without my consent or knowledge XXXX XXXX  XXXX XXXX Date Opened : XX/XX/2011 Balance : {$11000.00}
Product: Mortgage

Bank Online Payments Due Are Different From Account Statements Payments Due The XX/XX/XXXX payment due was reported as {$2500.00} Online, and as {$1500.00} on the account statements. 

The XX/XX/XXXX payment due was reported as {$2500.00} Online, and as {$1500.00} on the account statements. 

The XX/XX/XXXX payment due was reported as {$2500.00} Online, and as {$1500.00} on the account statements. 

Attached please find a spreadsheet comparison of the online and statement particulars as well as the specific bank information. Excessively padded real estate tax escrow reported online accounts for most of the differences.
Product: Credit reporting

XXXX derogatory reports from the state of SC were expunged from my credit report without any problem. Afterward, Equifax decreased my credit score by XXXX points. I had no other changes in my report that would cause this to happen. My credit score should have increased rather than decreased. I tried to talk with someone from Equifax , but the conversation went in circles without being resolved. I also faxed over a letter requesting an answer to explain why an improvement in my credit history would cause my credit score to decrease. I feel that I will need to get a higher authority involved to solve this problem. I feel that I have been discriminated against and my rights are violated.
Product: Vehicle loan or lease

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
XXXX
Product: Mortgage

XX/XX/2019 I feel I was misled by XXXX from the very start of the program. I was advised no money down, no closing cost for closing. This turned out to be not true. My loan officer nor any of XXXX staff was present during the closing. My out of pocket closing cost, totaled {$9500.00}. I questioned this with XXXX prior to closing and was advised my attorney should go over this with me. However, she went over the documents provided by CitiMortgage showing what was my final closing cost. 

Please be advised CitiMortgage and XXXX hand department together is causing a hardship for me with the repairs they are requiring be done to my home. The home is already approved according to NJ State XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, where the property is located has issued violations on the property that is required to be repaired by XX/XX/2019 in order to obtain the Permanent Certificate of Occupancy. This residence is fully rented with myself living on the second floor. 

I am requesting my SCOPE of WORK be re-vised according to the City violations and not XXXX. I was originally told the home inspection could be waived, later told that was false. XXXX rehab department that works on behalf of CitiMortgage director is not allowing me to speak with CitiMortgage directly. I was advised by XXXX XXXX the director, I will be in default of my loan with CitiMortgage although my loan is no longer being serviced by CitiMortgage. 

The staff bullied me into agreeing to repairs they mandated were needed per the home inspection which were not true. The home inspection report does not list any issues with lead in the interior of the home. This will consist of the health and safety if the issue was identified in the property. 

The staff is not credentialed that are creating the scope of work and should not have forced these obligations upon me if the home was already approved by NJ. I am attaching the entire email thread of me trying to get this matter resolve with upper management. I also have emails from the beginning of this transaction. A licensed NJ contractor have advised on multiple occasions the required work is not needed. I also have had several other contractors who refused to work with XXXX due to terrible history of working with consumers and contractors. 

Thank you in advance for reviewing this matter. Please feel free to contact me at anytime regarding this matter. I have several email trails regarding this process from the very beginning. I am having severe anxiety due to this matter and would like it resolved.
Product: Credit reporting or other personal consumer reports

I am writing to request an investigation into potential fraudulent activity on my credit report. After reviewing my credit report, I noticed inquiry that I do not recognize and believe to be fraudulent. 

See below : XXXX XX/XX/2024
Product: Vehicle loan or lease

Received Email we were included in the the Santander XXXX. When settled spoke to the settlement company vehicle was Charged off and was told would have title within 30-90 days. hadnt received any other information contacted santander and they are now back peddling wanting me to pay almost XXXX in order to get the title mind you the vehicle has been charged off after over a year now with no attempt for them to pick up or repo the vehicle, now that I contacted them about title, they are saying they didnt include us in the settlement and want to get the vehicle now { we qualified all over the board to be included and were ). mind you we had received the lawsuit emali, talked to the settlement team over the phone. now all of a sudden we arent. SantanderXXXX is doing everything they can to people that were included and now arent ive seen this numerous times now with not just us but others have posted on the internet
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting correct except there are some blank spaces on some months that need to be marked ( ok ) not blank. We have never missed a payment or late. 
Factual inaccuracies dates are not consistent with other agencies. Term of loan is blank on equitable and need to be fixed XXXX and equifax are the ones that are missing correct reports this needs to be fixed asap. And reflect on my report
Product: Credit reporting or other personal consumer reports

XXXX reported to the credit reporting agencies as late or delinquent. I discovered this when they sent me a letter in the mail in XX/XX/year>. In XX/XX/year> I originally set up autopay once I got the new credit card from XXXX. There were mistakes in their autopay system, and I resolved this in XX/XX/year> with XXXX once I received their letter about the delinquency and I immediately paid the total balance of {$29.00}. Also, they were not sending me paper statements like they were supposed to, and I was unaware of the problem until I received XXXX letter about delinquency. XXXX said I was on paperless statements, which I never signed up for. It was not my fault with delinquency or late payment, and I want this derogatory mark removed from my credit reports. My credit score was lowered much because of this, and I want this fixed too.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a 30 day late payment reported for XX/XX/2021. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement didnt reach me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX - This just proves your lack of proper record keeping. Now, this item is reporting to be 30 days past due ( XX/XX/19 ), yet it is closed and the balance is XXXX. Lets correct this immediately. You are required to verify for yourself but I will go ahead and remind you that this account was paid, otherwise remove immediately. 

SYNCB/AMAZON - This account has been closed and paid, yet you report the current status as Late 30 days! Update or remove account immediately.
Product: Credit reporting or other personal consumer reports

I am respectfully requesting a validation of debt, pursuant to 15 USC 1692g, alongside Anybody can do it a cease-and-desist proof of claim. Please provide proof of claim and demand to see and authentication contractual agreement that authorizes the legal or lawful collection of this alleged debt. If you fail to do I request to permanently remove these items off my credit report. Accounts in question : - XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX Pursuant to 5 U.S.C. 552a ( i ) ( 3 ), I am requesting that this disputed item be removed permanently from my credit report immediately. This statute states that any agency which fails to maintain any record with accuracy, relevance, timelines and completeness as is necessary to guarantee fairness in any determination shall not use such record. 
According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. 15 USC 1681s-2 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. Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX XXXX, am mailing out this information with my wet signature. In doing so, this plus my XXXX and XXXX is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft on two separate occasions and my identity and credit information has been misused. I have filed complaints and disputed with companies listed and have not been able to get these resolved! To my understanding some collection accounts have been sold to other companies. I have also reached out to them and disputed. I have also reached out to XXXX, XXXX, & XXXX. 

These include but are not limited to : XXXX XXXX XXXX XXXX XXXX XXXX ) Opened fraudulently XX/XX/XXXX Check into Cash ( XXXX ) Opened fraudulently XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX XXXX XXXX ) Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Opened fraudulently XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) Opened fraudulently XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Opened fraudulently XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) Opened fraudulently XX/XX/XXXXXXXX XXXX XXXX Opened fraudulently XX/XX/XXXXXXXX XXXX XXXX Opened fraudulently XX/XX/XXXXXXXX XXXX XXXX Opened fraudulently XX/XX/XXXX XXXX XXXX - XXXX Opened fraudulently XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX XXXX Opened fraudulently XX/XX/XXXX XXXX, XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter out to XXXX, XXXX and Experian on XXXX XXXX However its been more than 30 days and they havent sent me the investgation According to the law 15 usc 1681 they should conduct a investgation to see if its accurate or inaccurate withun 30 days or the account should be deleted.
Product: Student loan

Did not count my payments from old servicer ( XXXX XXXX ). Had contacted my congressman, DOE ombudsmen and FedLoan multiple times. Still haven't correctly counted my student loan payments.
Product: Credit reporting

I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. being that they have gone past the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. " that i have disputed. please resolve this manner as soon as possible.
Product: Debt collection

I called XXXXH Portfolio Debt XXXX XXXX XXXX XXXX XXXX MO XXXX at XXXX to find out what this debt was, they stated they could not find me in their system. That they didnt even know what the debt was and that they had no record of me having any account with their company. I was told that the debt would be removed and the collections would be removed from my credit report. They are still reporting that I " disagree '' with their findings, although I never recieved any notification of proving that the debt was mine or that I had an account with them anywhere. They could not find me by name or social security number. I disputed the debt and the only findings they returned was that I disagreed. They have never sent me official documents that I owe the debt, any bills, statements, proof that at any time I opened this account. When I call I'm told they can not find me in their system, however they continue to report to my credit that I am in collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX   XXXX {$500.00} USDEPED  XXXX {$7100.00} XXXX XXXX XXXX {$3500.00}
Product: Debt collection

I 've told paypal that they have the wrong name listed and they keep on calling me starting at XXXX XXXX all the way to late in the evening up to seven times a day everyday since XXXX 2017
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 1681 ( u ) The term reseller means a consumer reporting agency that ( XXXX ) assembles and merges information contained in the database of another consumer reporting agency or multiple consumer reporting agencies concerning any consumer for purposes of furnishing such information to any third party, to the extent of such activities ; Experian, XXXX and XXXX all are resellers of my consumer report without my written permission Experian, XXXX and XXXX have each allowed, provided & furnished false and misleading information in violation of 15 USC 1692e2A XXXX was instructed to remove the installment accounts and only removed XXXX None of the consumer reports are matching or reporting the same information. 
Consumer is demanding removal of all accounts listed on the consumer reports and removal of the consumer report from their platforms
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX  offered me a chance to receive a secured credit card with an opening deposit twice and I was denied both times. I was n't planning on applying for anything during those times as I was repairing my credit. I applied because I was allegedly pre-approved. That 's not fair to the consumer. Neither  XXXX   XXXX  nor the  XXXX  credit bureaus ( TransUnion,  XXXX , and   XXXX    ) will ho nor removing the inquiries even though I was solicited by   XXXX   XXXX  . The FACTS states inquiries can only be pulled under certain conditions and " firm '' offers a re one of those conditions. Here is a reference to the code under ( c ) ( 1 ) ( B ) ( I ) : 15 U.S. Code 1681b - Permissible purposes of consumer reports ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person ; or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance ; ( ii ) the consumer reporting agency has complied with subsection ( e ) ; ( iii ) there is not in effect an election by the consumer, made in accor  dance with subsection ( e ), to have the consumers name and address excluded from lists of names provided by the agency pursuant to this paragraph ; and ( iv ) the consumer report does not contain a date of birth that shows that the consumer has not attained the age of 21, or, if the date of birth on the consumer report shows that the consumer has not attained the age of 21, suc h consumer consents to the consumer reporting agency to such furnishing.
Product: Mortgage

My Dad got a reverse mortgage with XXXX XX/XX/XXXX. About a year or so later, XXXX went out of business and now XXXX XXXX XXXX was in charge and hired Reverse Mortgage Solutions as the servicer. My dad passed XX/XX/XXXX. I thought I would be able to purchase the home within a year due to a business deal I was involved with with my cousin but he fell ill and the project went on hold indefinitely. Then the company I worked for went out of business. XX/XX/XXXX received notice that the company foreclosed saying I defaulted by not appearing in court to answer. I was never served a summons to my knowledge and they have lied about how and who was served and have never been forced to prove service in a traverse hearing which I requested of the Supreme court. They never offered the house to me or my siblings at XXXX % of value, but instead after only 2 years since the inception of the reverse mortgage, were asking back over triple what they paid my dad, adding their own legal and other fees to the total. I filed a bankruptcy to stay the sale. Due to errors in filing pro-se, the bankruptcy was dismissed. During that time XXXX XXXX XXXX went out of business. I heard nothing on the case for 6 months, then I get a letter from Reverse Mortgages Solutions ( RMS ) the servicer, staying they are auctioning my house on XXXX XXXX, XXXX. I filed a Chapt XXXX bankruptcy with a lawyer who failed to get the stay which is nonsense since the stay is automatic. They auctioned it and bought it themselves. To summarize, they have attempted to evict me 3 times. Once I delayed it by fling a pro-se order to show cause but the judge did not even address that I was not properly served and my accusation that chain of title has been broken. They keep getting a free pass, no traverse hearing, no burden of proof of title. I believe fraud has taken place.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion displays innacurrate employer information on report. I do not work for XXXX XXXX I work for XXXX
Product: Credit reporting or other personal consumer reports

This is my OTHEr request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$15000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) Balance : {$360.00} ; XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$340.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX Balance : {$320.00} ; XXXX Inquiry XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Transunion is reportiomg Inaccurate XXXX XXXX XXXX on my credit report. This record has been proven to be inaccurate.This violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681n. The filing date, case number and name of the Bankruptcy court are inaccuracte. According to 1681i of the FCRA, you must investigate my dispute and provide me with the results of your investigation within XXXX  days.Should you fail to do so, please be aware that I will consider pursuing legal action for willful noncompliance under 1681n of the FCRA. These errors appear to violate both the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance guidelines for accurate credit reporting. The inaccurate reporting is damaging to my credit score As required under the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines, you are obligated to report accurate and verifiable data. Because this bankruptcy information is inaccurate, incomplete, or unverifiable, I am requesting its immediate removal from my credit report.
Product: Mortgage

I received an offer from Chase Bank to refinance my existing loan with them for no closing cost. I submitted all the necessary paperwork as requested by Chase. I received a letter dated XXXX/XXXX/2015 stating that they closed the loan application because they did not receive the additional information they requested. The loan officer failed to communicate with me on the steps to take for any additional information needed. I spoke to the loan officer on the phone on Monday, XXXX XXXX, 2015. He stated that he could reopen the loan but there would be closing cost involved. This is not fair because the loan officer failed to communicate with me concerning my loan, now they are wanting me to pay closing cost to refinance. Chase should honor the original loan application due to the failure of the loan officer inability to communicate with me in a timely manner concerning this loan.