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

Went to my local pnc office and filed paperwork to take payment out automatically, never did and in the meantime, made a payment on XX/XX/2018. Well I called because Im still being reported as delinquent? My credit score is down 59 points? I called my local branch plus the XXXX branch and got put on hold just to be disconnected? Help
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a Certified letter via USPS to XXXX XXXX that are reporting my Transunion Credit report as a XXXX XXXX default in the amount {$8000.00} as of XX/XX/XXXX. 

I requested validation of debt including contract, signatures, ledgers etc. As off today no response. Also a copy of the Certified letter REFUSED TO BE RECEIVED. ( SEE ATTACHED ). 

I have disputed via USPS 2 times with Transunion with copies of all proof. 

TRANSUNION REFUSES TO DELETE THIS UN-VERIFIED ACCOUNT BY THE INFORMATION PROVIDER.
Product: Credit reporting or other personal consumer reports

I got an email from XXXX XXXX that XXXX XXXX sold my debt to a collection agency which I do not have an account with nor did I give XXXX XXXX permission to share my information. They also violated my rights under 15 USC 6802 a company must notify a consumer that his information will be shared with a third party and give the consumer a fair chance to opt out of his/her information being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I closed on my mortgage account with XXXX, I had been in forbearance from XXXX-closing. When I went into forbearance, I was current on my mortgage and had not missed a payment. When I closed on my mortgage by selling my property, I paid the loan in full, with all interest included. XXXX reported me not only 90 days delinquent to my creditors, but they reported the closing of my loan as XXXX for some ( Equifax ). We have attempted to fix this problem with XXXX, who sent us a letter assuring us it had been resolved with the credit bureaus. I gave the letter to the credit bureaus ( namely Equifax ) who would not take my word for it and said they needed to hear from XXXX. It has now been over two months ( two weeks past the time XXXX had said it at the latest would be removed from my report ). Interest rates are skyrocketing. We have not been able to purchase a home for four months due to this error when I fulfilled every single one of my obligations. I complied with the terms of the forbearance plan by paying off the loan in full prior to the end of the forbearance term. I contacted Equifax and asked them to remove the late payment. They refused.
Product: Mortgage

In XXXX of 2019 I submitted an application to rocketmortgage.com ( Quicken Loans ) for a mortgage. A few weeks later I spoke with XXXX XXXX and we briefly discussed what I was interested in and decided we would take in further detail once I was ready to start looking at buying. On XX/XX/XXXX I spoke with XXXX XXXX again and I was given some estimates for a Mortgage Loan. The estimate I was given was as follows : Loan Amount : {$380000.00} Home Price : {$400000.00} Down Payment : 5 % Closing Costs : XXXX Rate : Estimate of XXXX to 4 % We decided again to follow up once I was ready to start looking at homes. A week later, my wife and I found a home we wanted to put an offer on and I spoke with XXXX on Monday XXXX, XXXX who quoted me a locked rate of 3.625 % at closing costs of roughly XXXX ( I don't remember the exact number, we had this discussion over the phone ). 

Later on XX/XX/XXXX I received a loan estimate disclosure which showed a total cash to close of {$25000.00} which seemed right because that's what XXXX told me. However, I had overlooked the fact that this total included an {$8000.00} credit from the seller and a {$3000.00} credit from the XXXX XXXX. In addition, I also did not realize that the origination fee was extremely high at 2.375 % which I find extremely dishonest because when XXXX told me a rate of 3.625 % he never mentioned to me that this rate was AFTER having paid for points. It was only after I had shown the loan estimate disclosure to my real estate agent that she pointed this out and said that the closing costs I was asked to pay was extremely high. 

On Sunday, XX/XX/XXXX I spoke with XXXX again who apologized for the confusion and said he would discuss the issue with his XXXX. I should mention that XXXX offered to give me the ACTUAL rate OF 4.5 % but I didn't not find that to be a sufficient resolution to the issue. 

On Monday, XX/XX/XXXX I received a call from XXXX XXXX, Senior Director of Banking at Quicken Loans. I explained to him the situation and that I felt the practice of advertising a loan rate without being clear that the rate came at the cost of being bought down ( an origination fee of about XXXX dollars ) was deceptive, and I requested that they update the loan to include the original rate of 3.625 % without having been bought down with points. I explained that with previous lenders, the rate the advertised to me was the actual rate I received, and they asked me if I wanted to but the rate down with points. XXXX explain that it was more important for their company to advertise low monthly payments to their clients, and said that 'explaining the details to customers confuses them ' which is why they didn't explain the rate more clearly to me. In addition, he also insulted me by indicating that I did not know how to do math.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I mailed certified letters out to Navient, XXXX XXXX, XXXX, and XXXX requesting them to remove Dept of Ed/ Navient XXXX XXXX in the amount of {$170000.00} off my credit report. I only heard back from XXXX but they did not provide the original indebtedness in its original form. 

( I am disputing this account according to the FCRA for reporting incorrect account numbers not matching with only one open date. ) I've asked them to provide me with the original instrument of indebtedness in its original form. There is no original contract or no original { INK } signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit Bureaus never did a proper " investigation '' according to FCRA.

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumers character, ge

neral reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on with whom he is acquainted or who may have knowledge concerning any such items of information. they did not do such thing. Also, they have violated my rights even more in accordance with the fair credit reporting act everything has to be 100 % accurate on the credit report. the credit bureaus stated my account was property investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate an the date last reported is not accurate .this grounds for removal
Product: Credit reporting or other personal consumer reports

I am writing to formally submit a complaint regarding several accounts that appear on my Equifax credit report but do not belong to me. The details of the accounts in question are as follows : XXXX - Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX  XXXX - Account Number : XXXXXXXX XXXX  I have discovered these discrepancies while reviewing my credit report and wish to have them removed promptly as they are not associated with my financial history. These incorrect accounts are adversely affecting my credit score and causing undue stress. 

To resolve this matter, I am requesting the immediate removal of these accounts from my Equifax credit report. I have attached copies of my identification and relevant documentation that substantiate my claim. 

I have previously attempted to resolve this issue directly with Equifax but have not received a satisfactory resolution. As such, I am seeking your assistance to ensure that these errors are corrected in a timely manner. 
. 
Correspondence with Equifax regarding my attempts to resolve this issue. 
Thank you for your prompt attention to this matter. I look forward to your assistance in correcting these inaccuracies on my credit report. 

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

XXXX XXXX through XXXX the company Newrez mortgage purchased my mortgage from another lender and notified me via written mail despite having my email and phone number. I was out of the state working in Ohio as the mail was sent to my home in Florida. The account they transferred to was a different login than my current login for the same company that held a previous loan for another rental property. I now have XXXX loans with Newrez loan number XXXX and XXXX however I can not access my loan because the logins are different. When I attempt to login it sees my account as attempted fraud and makes me reset my password kicking me off both loans as they are open under my name but different logins making it impossible to ever access either loan. The account I have current is different then their account they marked at XXXX days past due. I have contacted multiple times to verify my loan and they are requesting me to blindly pay without every being able to access my transferred loan. My assistant that manages the loans assumed the loan was being paid as the original home loan through newrez is current creating the appearence that I was intentionally not paying the other loan under a separate login that was sent via written mail that I was unable to check.
Product: Mortgage

In XXXX of 2020, I refinanced my home. Flagstar Bank received full payment for my property and has refused to refund my escrow balance ( {$3800.00} ) in full. On XX/XX/2020, they issued a check then subsequently placed a stop payment on the check. Consequently, the funds were withdrawn from my account and returned to Flagstar Bank. and I have incurred service charges. 
To date, they have not returned my funds and have stated that my refund will be reduced by {$1700.00}, even though the closing attorneys have paid this fee. I keep getting the run around and I need my money. 
They are scammers and attempting to defraud me of my money.
Product: Credit card

I paid this account through XXXX XXXX XXXX and there is still a balance being reported. Please remove this account from my credit report since I have disputed it before and it was verified as accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022. I called to Wells Fargo Home Mortgage for a discussion of mortgages, but did not authorize a mortgage application nor a credit check. I repeatedly and expressly forbid a hard credit check to its aggressive agent. I already knew my ( high ) credit score. 

I learned later that despite my warning, Wells Fargo committed fraud and identity theft by processing a hard credit check without my permission, through XXXX, which produced published harm to my credit score. When I complained, the Wells Fargo " Executive Offices '' unilaterally denied any wrongdoing. Wells Fargo seemed to be fully aware of the their wrongdoing but instead, denied it in order to protect the resulting benefit to itself. More specifically, the agent benefits by processing as many mortgage applications as possible. 

XXXX says it only allows their clients ( Wells Fargo in this case ) to make determinations and final conclusions in response to consumer complaints. Again, this results in the automatic denial of any fraud or other wrong-doing.
Product: Checking or savings account

My name is currently XXXX XXXX. I was able to deposit checks to my chime account registered under XXXX XXXX using the name XXXX XXXX since XXXX or XXXX. I spoke with chime support about a direct deposit thats was not received. The agent informed the check with be in the account later that day. I reached back out to find out there was an issue with my last name due to a name change from marriage. My check was reversed and the 1st agent failed to inform either verification was needed or the check was reversed. When I tried to get more help for a supervisor they declined to explain why there was just now an issue with a name for the deposit under XXXX for the account under XXXX. The supervisor was not able to verify the documents sent as needed on their end and declined to allow my to speak with a manager or any information to file a corporate complaint. The supervisor hung up the line and declined to provide a resolution. Even on the recorded phone line and asked if he felt he resolved my issues he stated no and then when asked how he was going to resolve he declined to respond or provide any further assistance. Chime did not provide details of any documents needed by email until I called the first time and was told to wait. The company also did not provide an applicable time to respond to provide the documents before reversing my paycheck. I did not see any options to file a complaint on their platform nor have my emails been returned to file a complaint directly with chime about the poor customer and inadequate information provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I just made a large payment of {$260.00} to my  XXXX  card  two days ago online. The amount has been recorded to my account as shown. However that new lower amount due is not showing on my credit report leaving me with a higher, older balance due, larger credit utilization and as such when I pull my FICO score, a lower score. Because I would like to move into another home and become pre-approved, as soon as possible, my chances of the best terms have been and are being impaired do to the latency of the automated system update cycle. I am requesting a forced manual update of my balance to the credit bureaus by validation method as per procedure in FCRA section 623.
Product: Credit reporting or other personal consumer reports

I have sent the information to experian to remove the l late fee off my credit report and called them and was told that it will be removed off my credit report which XXXX computers I have two late fees and was told it will be removed the late fees and its still on my credit report. I have sent a certified mail to them about my issue with the late fees. 15 usc 1666b that code is to let experian know that I didnt get the bill in a timely fashion, but I pay my bill on time and still got reported late.
Product: Credit reporting or other personal consumer reports

According to XXXX v XXXX XX/XX/XXXX. Experian is supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s2. 15 USC 168115, 15 USC 1681eb. Delete ACCOUNT
Product: Credit reporting

XX/XX/XXXX - XXXX sent deletion letter and had account deleted from my Experian report. Then sold account to creditor XXXX. XX/XX/XXXX : Negotiated payment and settled account with deletion letter. XX/XX/XXXX : XXXX was deleted off my Experian report. Credit score XXXX. 
XX/XX/XXXX : XXXX & XXXX report " collections '' on my experian report which was settled and removed in XX/XX/XXXX. They are combining the same account # with 2 different names so they can flip flop on and off my experian report. Spoke with Experian for 6 hours, and 14 tier 1 /2 and higher managers, and faxed both deletion letters as evidence.. they refuse to remove negative collections item. XXXX credit score now is XXXX This is a scam and all credit bureaus must be punished for ruining an individuals credit. They are not being held accountable for upholding the consumer 's correct credit information. They are holding my credit hostage. Huge scam by the big banks to profit off hard working individuals.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing this complaint and there is no third party involved. 
This company Equifax is very deceptive and unfair, they keep ignoring the situation based on the istrunction I'm giving them. After all the due diligence I have done, I found out that pursuant 15 U.S. Code 1681b ( a ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ), In accordance with the written instructions of the consumer to whom it relates. I have sent them plenty of letters giving them instructions what to furnish in my consumer report and all they do is ignore me and send me the same document asking for Proof of Identity. I sent them my SSC, my Florida ID, and a bill with my current address and they keep coming out with the same excuse that they need to verify my identity, ( document they sent attached ) They already sent it to me 3 times. later on I found out that Equifax like to use that technique to ignore the letter consumers send. 
This is my privacy and I take very serious and if Equifax wants to keep doing business with me, they need to understand that they need to do what I say if it has to do with my consumer report. 
Based on Congress Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. They have not been assigned by congress. 
Equifax broke the law and they keep doing thing with my consumer report without my consent. No consent is Identity Theft. 
Recently I was reading the article from the cfpb on XX/XX/2022 ( CFPB RELEASES REPORT DETAILING CONSUMER COMPLAINT RESPONSE DEFICIENCIES OF THE BIG XXXX CREDIT BUREAUS. AND THEY TALKE ABOUT HOW eQUIFAX ROUTINELY FAILED TO RESPON TO CONSUMERS WITH ERRORS AND REQUEST. ( Article attached ) They also talk about how Equifax often promised to open investigations and sent the results to the consumers later dates, but it would fail to provide the CFPB with the outcomes of the investigations. 
I don't want the same thing happen to me. I need Equifax to take responsibility and stop sending me the same document avoiding everything IM asking for...

Im attaching all the copies that I have sent to equifax, attached with my social security card, ID and proof of Address.. Lets see what will be the excuse this time.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I have repeatedly asked the company to provide sources or documents they have on record regarding this account, including the original contract bearing my signature. And they refuse to do so. They have also refused to delete outdated account information on my account that is more than 7 years old. 
Section 609 states that I can see any sources or documents you have on record regarding this account, including the original contract bearing my signature.

Under Sections 605 and 607 of the Federal Fair Credit Reporting Act, you must delete obsolete information from my consumer credit file. 
I sent letters to them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and they refused to send me proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the 3rd time I have requested these unverified items on my credit file that I do not recognize. XXXX XXXX, Equifax, XXXX I have requested legal documents from the creditor 's documentation on file to verify that this information is mine and is correct. 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 
XXXX XXXX XXXX. # XXXX XXXX XXXX, XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX
Product: Mortgage

I embarked on procuring a loan brokered by E-Mortgage Funding. Early in the process, ( XX/XX/year> and XX/XX/year> ) an appraisal was paid for ( {$610.00} ) and After a marathon ( and a series of jockying forms, documents and other material back and forth ) and told they ( E-Mortgage Funding ) had secured said loan, I was eventually told they could not complete the loan. The reason given was that the home was not in the condition that would be approved by FHA. During the appraisal process, the individual performing the appraisal was asked what could possibly prevent a securing of this loan. He replied ( I just need to do some comps to determine value ). No picture was taken of the roof, never asked to turn on the XXXX system, and many other things the broker ( E-Mortgage ) claimed was the issue ). I have asked on several occasions for a copy of the appraisal or a refund for the cost of the appraisal. As of this submission, Neither has been done ( even after E-Mortgage has promised a refund of the appraisal ). I received an email stating that some repairs may rectify the situation but was never given that opportunity.
Product: Money transfer, virtual currency, or money service

XXXXXXXX XXXX issued a balance transfer in the amount of {$3800.00}. It WAS to go to XXXX XXXX Credit Card. 

They accidently sent it to Citi Bank. I do NOT have any account with them. Citi Bank has since cashed this check. They won't help me and return my money.