23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

This complaint is based on previous complaint XXXX. 

On XX/XX/XXXX, Amex dispute team ( XXXX ) called me and asked me whether I have documents that can prove I did not receive the package from the merchant. I told he that I already uploaded that document ( email from the XXXX agent ) at the very beginning and asked him at least to read it. He read it and the phone call only last 2 minutes. 

On XX/XX/XXXX, Amex dispute team ( XXXX ) called me again and asked me exactly the same question : Do I have any documents that shows I did not receive the package. I told him again and ask him to at least read the documents I uploaded. 

Today ( XX/XX/XXXX ), I received a message from Amex of the update about my dispute. The result is exactly the same as previously one I received in XXXX : Here 's what to expect : We've rebilled this amount to your account, and you'll see it reflected on your next billing statement. Please note, we've removed information from the attached documentation that wasn't relevant to this dispute. 

The keep saying that merchant has provided supporting documentation which includes tracking information and detailed explanation stating that the merchandise was successfully delivered on XXXX XXXX, via XXXX  at XXXX A.M with tracking # XXXX. 
However, I have emails from XXXX claim agent can show that I did not receive the package. Here is what the agent said : I have your claim on the above mentioned tracking number in front of me. This is a payable claim, as the signature was not the customer 's. However, prior to resolving a claim with a party other than the shipper, XXXX  requires written and signed authorization by the shipper waiving their right to pursue a claim. This is a simple letter from the Shipper stating they give the claim rights to you on this tracking number. It must be signed and on company letterhead. 

This email was sent to the merchant 's customer service team email XXXX on XX/XX/XXXX. The merchant is lying about the package delivery. I have a phone recording which can prove that the merchant received the email from the XXXX claim agent. I called the merchant 's customer service on XX/XX/XXXX at XXXX. The agent can find the email from the XXXX claim agent XXXX XXXX. 

The merchant knows that the package was not delivered to me and refused to provide the letter ( waiving their right to pursue a claim ) requested by the XXXX agent. 
If the package was delivered, then the merchant does not need the right to pursue a claim with XXXX. In my view, the merchant wants to keep to right pursue a claim with XXXX  to get the compensation and also keep the money that I paid, which is a fraud.
Product: Credit reporting or other personal consumer reports

Several weeks ago, my auto and home insurer said that LexisNexis provided a different address for me, than is on my insurance policy and that it might affect my premiums. I've lived in this house 32 years and have not lived anywhere else. 

I've repeatedly asked LexisNexis to provide this information to me. I've submitted my information, numerous times on their internet form ( https : //consumer.risk.lexisnexis.com/help ). Each time, it tells me that their mailbox is full and rejects the attached document. I've also, at the request of LexisNexis phone support, sent a photo of my driver 's license to them at email address XXXX. That email was rejected with the following message : From : XXXX XXXX Sent : Tuesday, XX/XX/2024 XXXXXXXX XXXX To : XXXX Subject : Undeliverable : CWP Help form : Submitting Question w/documentation [ XXXX XXXX XXXX [ Sending Documents ] [ Case # XXXX ] Delivery has failed to these recipients or groups : XXXX The recipient 's mailbox is full and can't accept messages now. Please try resending your message later, or contact the recipient directly. 

My last attempt, again at the advice of their phone support, was to send a hardcopy of my driver 's license to their office in XXXX. I did so, via certified mail, with a return receipt. They received that document on XX/XX/2024. 

I still don't have a copy of my credit report from LexisNexis.
Product: Debt collection

In XX/XX/year> I received an email from Galaxy International stating I owe a debt of {$1700.00}. The email stated the original creditor is The Bank of Missouri. I do a have a XXXX account however I do not now nor have I ever carried a balance on this card. See photo. I have never received a bill or statement regarding this bill prior to the XX/XX/2024 email. As a matter of fact I was granted an auto loan in XX/XX/year> with no issue. I do not think this would have been possible if I had a delinquent account on my credit report. I have emailed XXXX a total of three times. I have disputed the account. I included documentation in my emails. The only response I have received is that my dispute was denied and I need to pay the balance. I do not know if this is a case of identity theft or a clerical error. I have worked hard to improve my credit over the past few years. This is extremely upsetting and frustrating. 

Additionally, I do not believe The Bank of Missouri would have allowed me to have an additional account I was delinquent on another.
Product: Debt collection

The apartment complex told me I was fine it was a system mistake and then turned around put it on my credit report
Product: Credit reporting or other personal consumer reports

Submitted a complaint here online on XXXX, today is XX/XX/XXXX and they have just now responded.
Product: Mortgage

On XX/XX/2020 I initiated a mortgage loan application with Wells Fargo to refinance my existing mortgage and requested a cash out to pay off my existing XXXX XXXX loan. Both loans are with Wells Fargo. The amount requested was initially {$120000.00}. On XX/XX/2020 I received a commitment letter approving my loan request. An external appraisal was ordered on XX/XX/2020 and was issued on XX/XX/2020 indicating a house value of {$310000.00}. A closing date was scheduled for late XXXX, but was rescheduled for the first week of XXXX. On XX/XX/XXXX I received a phone call from the bank informing me the bank wouldn't close on the loan because of policy changes that were were put in place while my loan application was in the pipeline. These changes became effective on XX/XX/XXXX and XX/XX/XXXX. The 26th policy change suspended interior inspections for the appraisal because of COVD-19. As such, my loan could not close. The 27th policy change suspended cash out refinance loans. As such, my loan could not close. Both of these actions were applied retroactively, as my application was accepted on XX/XX/XXXX and despite these policy changes, I received a commitment letter dated XX/XX/XXXX. A formal declined letter was issued on XX/XX/2020. Wells Fargo failed to keep me informed of these policy changes and made false representations to me during the course of the loan approval process.
Product: Vehicle loan or lease

sold my vehicle to XXXX XXXX in XXXX, NC ( XXXX XXXX XXXX XXXX, XXXX, NC XXXX ) on XX/XX/year>. 
They sent the payoff check to Stellantis Financial Services on Monday XX/XX/year>. 
The dealer reports to me that the check was deposited on Monday XX/XX/year>. 
XXXXtellantis has yet to credit my account. I have made multiple calls to Stellantis on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

I was told the issue was escalated on XX/XX/XXXX when i sent them a copy of the check i got from the dealership. On Friday XXXX XXXX i was told it got escalated on Tuesday XX/XX/XXXX when the dealership called and gave them the information they needed. On Monday XX/XX/XXXX i was told i would receive a call XX/XX/XXXX with the results of the investigation. on XX/XX/XXXX i was told it was now just escalated and wont receive a call till Friday. 

Every time i call i get a different answer from them. the dealership wont pay me my share of the sale of the vehicle until they get the title from Stellantis. The agreement was that it would take up to 30 days to get the title and get the money. The sale rep told me that the turn around time is usually 7-10 days. they dealership has stated that they will not pay until they get the title from Stellantis even if it is past 30 days.
Product: Mortgage

To Whom It May Concern : My circumstances have increased for the better, yet my lender is refusing to work with me at all. They have even discouraged me from making mortgage payments. I was injured on my job as XXXX in XX/XX/XXXX. Since, then I have been struggling to keep my home. Now, I can afford to pay the mortgage, yet the lender did not want me to start making payments and when I did make a mortgage payment, they informed that it would not count towards my principal balance, but would be held in a separate account ( Please see the below listed letter that I recently sent to them ). Also, I have my original emails and Hardship Letters, if they are needed for your investigation ). 

Property Address : XXXX XXXX XXXX XXXX, Loan Number : XXXX XXXX XXXX, CA XXXX Hi XXXX and Hamp Escalations, I just left a very detailed voicemail for XXXX XXXX at ( XXXX ) XXXX asking again when I can expect to receive the below listed documentation. 

I also mentioned that, once again, there should not be anymore negative reporting to any of the credit bureaus, since I made a mortgage payment last month ( XX/XX/XXXX ). 

After speaking with a real estate attorney, my mortgage payment should not have been reluctantly received and placed in a separate account, as explained to me by XXXX XXXX XXXX. It was very difficult for me to even make that payment because XXXX XXXX told me not to make the payment because the Attorneys from your ( Bayview Loan Servicing ) litigation foreclosure department was already involved. Then, XXXX XXXX explained further that my payment would not go towards paying off my principal mortgage loan amount, but it would be placed in a separate account. 

So, here I am trying to make a mortgage payment and Bayview Loan Servicing is telling me not to pay my mortgage? It seems like Bayview Loan Servicing is not trying to help me keep my house, but instead wants to take my house from me. 

I have attached my Hardship Letter from last year and I am in a much better situation to keep my home. My home has equity and I am generating more yearly income ( Please see attached documentation ). So, I am having a difficult time trying to figure out why you will not help me keep my home. 

Well, as you can see, I am prepared to fight to keep my home for my family. Especially since my circumstances have improved tremendously! 

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

XXXX XXXX has made monthly inquiries of my credit from XX/XX/XXXX - XX/XX/XXXX, and as XXXX via XXXX XXXX on XX/XX/XXXX, without my informed consent. I happened to notice it today while perusing my credit report. I want a thorough explanation as to why and how the information has been used.
Product: Checking or savings account

XXXX as of the XXXX of XX/XX/751 dollars and some change direct deposited from employer XXXX XXXX before XXXX I have begged and called and was given the run around on multiple calls in which each call was over XXXX hrs
Product: Credit reporting or other personal consumer reports

There is a BANKRUPTCY reporting on my credit report, These BANKRUPTCY is not mine and is result of FRAUD/ERROR. Please REMOVE it from my credit report IMMEDIATELY! because it is hurting my credit score so much. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.
Product: Checking or savings account

I have had a most upsetting experience that is ongoing. I am XXXX years old and am concerned it may have something to do with my age. I do not have a large pension but have over XXXX XXXX in assets so am not at risk of defaulting on any debts. 

In XX/XX/2022, Chase Bank closed my checking account and cancelled my credit card. I never had an issue or late payment. There was no reason given and I was told I had no recourse. I spent a lot of money on that credit card. I paid it in full each month and never missed a payment. 

I have never been overdrawn. I pay off my credit cards in full monthly. The source of my income is my equities at XXXX. The transfers always were sent from my XXXX account directly to the bank. I am perplexed as to why this is happening and very concerned. The most frustrating thing about it is that they cant give me any explanation. 

Can you help me with this? I dont know who to turn to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shopping for a mortgage. I approved credit inquiries on : XX/XX/XXXX XXXX XXXX XXXX - Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX - Equifax XXXX XX/XX/XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX - XXXX These are the ONLY credit report pulls that I authorized. 

XXXX lists 6 inquiries from XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - One from XXXX and 5 from XXXX XXXX  lists 3 inquiries from XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX. and XX/XX/XXXX - two of which are Equifax XXXX. 
Equifax has 4 Inquiries from XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Each of the four lenders was only authorized to check my credit one time The reason that there are so many checks is because of their use of the Lender Processing System with XXXX XXXX which requires repeated credit pulls when any of the loan parameters are changed while calculating loan rate and payment scenarios. 

I only authorized 4 credit checks, one time each from each lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like errors removed off my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

My accounts 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/updated. 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 XXXX  days before the payment due date. I have requested proof that this information was mailed or delivered XXXX  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!
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX - Account XXXX Account Name : XXXX - Account XXXX Account Name : XXXXXXXX XXXX XXXXXXXX - Account XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX - Account XXXX Account Name : XXXX XXXX XXXX- Account XXXX Account Name : XXXX XXXX- Account XXXX Account Name : XXXX  XXXX - Account XXXX Unauthorized inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

My complain is about XXXX XXXX and MOSAIC Solar. They sent me their agent that scam me with some lies that I will save some energy by getting a loan through MOSAIC to finance a solar system for my house. They lied to me that I will get a will get a tax credit of XXXX which I didnt get. Also the agent did not procure any paper documents to sign, I did all the signings over her labtop and it was so fast without any explanation. I sign some documents that lock me for 20 years and the worst they PUT A LIEN on my house. They did not tell me about it. My credit was run 3 times without any reason and that brought my credit score from XXXX to XXXX. All this happened in XXXX. In XXXX Im in a situation where I cant sell my house because of the lien, and also the solar did not increase the price of my house. NEVER DO SOLAR. It is a SCAM and they just stealing the honest people money. Please let everyone know about it. Im paying XXXX dollars every month for the loan and my electric bill is not improving. I did not save any energy bill. ALL ARE LIES
Product: Credit reporting or other personal consumer reports

Hi, there's an unfamiliar credit inquiry on my report which is really concerning. I did not apply to this, nor authorized and consented to this company accessing my information, I'm trying to understand how and why this happened and it's causing me a lot of stress and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax put my credit and financial security at risk by giving access to my personal information without my consent, refusing to offer a sufficient resolution that would make my future credit security safe, and keeping the breach a secret while I was at risk.
Product: Mortgage

HELLO I m trying to refinance my existing loan with chase for at least 9 months and Chase bank its giving me the run around I have submitted all the documents and later they keep asking me for the same documents, I do not think they want to refinance my loan I think they XXXX.
Product: Mortgage

Carrington Mortgage Services LLC refuses to acknowledge and respond to Borrowers requests for information. In a request for information dated XX/XX/2022, in which the Borrower requested Carrington provide the Borrower copies of specific information relating to their loan modification determinations that adversely affected the Borrowers loan. Carrington neither acknowledged or responded to the Borrowers RESPA consumer inquiry letter. See letter attached. Further, on XX/XX/2022, the Borrower submitted ( for the third rime in 2022 ) a request for a copy of their mortgage file. Again, Carrington neither acknowledged or responded to the Borrowers RESPA consumer inquiry letter. See letter attached. Both letters were emailed and faxed to Carrington. Borrower received confirmation of successful transmission of facsimiles. These discovery requests and their associated production by Carrington is essential and necessary to the pending actions the Borrower is compelled to take in order to access all of the Federal mortgage relief programs this VA loan is eligible for.
Product: Debt collection

I was contacted by an alleged attorney office stating I was being sued by XXXX XXXX XXXX for a {$3000.00} debt acquired last year. I have never had a XXXX  XXXX XXXX card and have not had ANY credit cards in over 20 years.
Product: Credit reporting

This account was removed off my credit report on XXXX XXXX, 2016 and it was put back on my credit report, I have requested to removed this off my credit report.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

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

I opened a line of credit with Upgrade on XX/XX/2022, which is NOT reporting to the credit bureaus, why?
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and the following items were added to my credit file without my authorization : Accounts to Be Blocked and Deleted : XXXX. XXXX  XXXX Bankruptcy XXXX XXXX : XXXX Date : XX/XX/XXXX Balance : {$00.00} XXXX. XXXX  XXXX Bankruptcy Case Number : XXXX Date : XX/XX/XXXX Balance : {$00.00} XXXX. XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$850.00} XXXX. XXXX  Account Number : XXXX Date : XX/XX/XXXX Balance : {$730.00} Inquiries to Be Blocked and Deleted : XXXX. XXXX Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

We sent the following email to the Flagstar Class Action Settlement email and received no response, after reaching out to a Flagstar Banking Representative on XX/XX/2018 and we received no response or follow-up and are requesting that our checks be reissued for payment : Hi Flagstar Overdraft Settlement Dept, We just received the following checks in the mail on today and would like to please request a  reissue of the the checks, since you have cancelled the settlement checks from being negotiated after 60 Days : 1. Check # - XXXX - {$80.00} - Dated XX/XX/2018 2. Check # - XXXX - {$13.00} - Dated XX/XX/2018 We reached out to The XXXX XXXX XXXX  on this morning and they stated you would reissue the checks. 

Again, we received these checks today - XX/XX/2018 from the following address : FLAGSTAR BANK OVERDRAFT SETTLEMENT XXXX XXXX XXXX XXXX OR XXXX Also, your Postage was Dated on XX/XX/2018 and Stamped by an Internal System XXXX XXXX U.S. Postage. This is the same date as the Check Date. Was this purposefully done internally by Flagstar and held for 6mths to withhold Settlement Dollars? 

We truly appreciate your time and consideration and look forward to hearing from you.