23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Loan Owner : : XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX Series I am repeatedly denied requests for loan modification by Loan servicers due to language in the PSA 'Loan owner does not authorize loan modifications ' Loan owner XXXX backed XXXX , XXXX XXXX XXXX XXXX for XXXX Mortgage pass through certificates '. All historical and current servicers ( XXXX, XXXX, XXXX and SPS ) of my mortgage that originated in XXXX by XXXX indicate the same. None of these servicers have contacated XXXX XXXX backed XXXX on my behalf requesting a waiver allowing me to modify my mortgage. When i contact XXXX XXXX, XXXX as the 'trustee ' they indicate that they do not have the authority to provide permission to modify my loan and refer my back to the service. the servicers will not provide me with contact telephone number nor contact name at XXXX XXXX backed XXXX so that I can reach out on my own behalf. the last filing of XXXX XXXX backed XXXX XXXX was in XXXX with the SEC. I have been informed by historical servicer that my loan was not propoerly securitized and that there is evidence of fruad. XXXX XXXX backed XXXX is a subsiduary of XXXX. My current servicer is Select Portfolio Services ( SPS ). My loan note and mortgage still indicate that XXXX as the originator from XXXX even though XXXX ( aka XXXX ) is no longer in business. XXXX and XXXX were purchased by XXXX. XXXX was dismissed as servicer by XXXX XXXX, XXXX in XXXX at which point i was tranbferred to SPS. Loan # XXXX
Product: Credit reporting or other personal consumer reports

Payment Reporting Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX XXXX ( XXXX ) for their inconsistent and unresolved reporting of a late payment on my credit history, which I believe is a violation of the Fair Credit Reporting Act. 

In a response to my dispute, XXXX XXXX, Director of Compliance at XXXX, asserted that my loan was reported 30 days late in XX/XX/XXXX. However, this reporting is inconsistent across the XXXX major credit bureaus : XXXX reports a XXXX late payment in XX/XX/XXXX, XXXX reports XXXX XXXX late payment in XX/XX/XXXX, and Equifax reports a XXXX XXXX payment in XX/XX/XXXX. This discrepancy between XXXX 's statement and the credit bureau reports raises serious concerns about the accuracy and validity of their reporting. 

Despite my efforts to rectify this issue, including direct communication with XXXX and the credit bureaus, the erroneous reporting remains uncorrected, adversely affecting my credit score and potential financial opportunities. 

Enclosed are my payment records, the response from XXXX, and credit reports from XXXX, XXXX, and Equifax, evidencing the discrepancies and my attempts at rectification. 

I respectfully request the CFPB 's intervention to investigate this matter thoroughly. I seek the correction of my credit records to accurately reflect my payment history and any other appropriate remedial actions. 

Thank you for your attention to this matter. I look forward to your prompt response and a resolution to this ongoing issue.
Product: Credit card

HH Gregg advertises available financing on their website in XXXX easy steps. This would lead the average consumer to believe after being approved, they could immediately purchase items online. However, HH Gregg has advised their financing company, Synchrony Bank, not to disclose the account number to the applicant prior to the applicant receiving their card. Synchrony Bank will only provide the account information to HH Gregg staff. This prevents a new applicant from immediately utilizing their credit & obtaining all available discounts online. Furthermore, Synchrony will not release account number to customer even after purchase is made if requested prior to 14 days after application approval. This practice is deceptive and unethical. HH Gregg & Synchrony Bank are colluding to extend credit to consumers, and then withhold information pertaining to that credit once approved for an extended period ... in an elaborate scheme that essentially boils down to petty price-fixing. When contacting Synchrony Bank to obtain account number for online account setup AFTER making an in-store purchase with HH Gregg but prior to receiving the first statement/bill, they advise they can not disclose the account number. When asked why, they explain " it is the policy '' repeatedly. When pressed why that is the policy, their only explanation is " because that is what HH Gregg has requested ''. To offer credit online and not disclose that the line can not be immediately utilized online prior to the application - that is fraud & deception. To extend credit to a borrower and then refuse to disclose the account number to the borrower for 14 days ... may not be illegal ... but it certainly is n't an ethical business practice. If the excuse is security, that excuse is quickly eliminated since in-store purchases can be made immediately upon approval utilizing the same information you would provide over the phone to obtain the account number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account states it was opened XX/XX/XXXX Last Reported XX/XX/XXXX Payment Status Collection/Charge Off Amount {$1500.00} Company Name : XXXX XXXX Attention Fraud Department XXXX XXXX XXXX XXXX XXXX, XXXX XXXX on my credit report is a direct violation of the no surprises act. I don't know who they are, and I never received any type of notice of this account by way of mail nor email. It just appeared onto my credit report which is clearly a direct violation of the No Surprises Act and needs to be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not tried to fix the issue regarding my report. They have tried to delay the process as much as possible. I have provided them with the documents asked now they say its still not me so now i have taken it a set further and added the last 2 credit reports along with my ID and social security card. I have also mailed them light bills. 

Now i have the Credit Report from there website Now i have the Florida Issued ID Now I have MY social Security Card Now I have provide my consent to review my report All in this complaint, lets see what the issue is now. I have provided the things asked can you please remove the items off my report. I have added the https : //www.ftc.gov/sites/default/files/documents/reports/section-611e-fair-credit-reporting-act-federal-trade-commission-program-referring-consumer/p044807fcracmpt.pdf. I have attached the 611 statueTo the documents attached just in case we are not clear on the law. Everything has been provided to you can you please remove the items ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Affirm is listed on my credit report saying I have a delinquent account with them. I contacted the company to notify them that I had not used their company and that account is fraudulent. It has now been 90 days and it continues to show delinquent and has substantially decreased my XXXX XXXX and affected my credit rating. The balance is {$380.00} but i refuse to pay for a debt I did not accrue. My payment history has been impeccable and I do not ever skip out on paying a debt that is actually mine. I disputed it through experian and that had an unsatisfactory outcome. Ive reached out to Affirm several times now and they have not sent me the documentation that they say I need in order to have this situation rectified. Please help, this is going to ruin what I have spent many years building. Thank you.
Product: Credit card or prepaid card

This is with reference to my Chase credit card account ending in XXXX, which has a XXXX  balance and no activity since XX/XX/2019. 
I tried multiple times to transfer its full {$5100.00} credit line to my other Chase credit card ending in XXXX with no success. 
First time was on XX/XX/XXXX, after exceeding 60 days with a XXXX  balance and no activity on the account ; I called in customer service and requested its full credit line to be transferred to my account ending in XXXX. My account was closed and I was not advised that a {$500.00} residual credit line was left on my account ending in XXXX and not transferred to my account ending in XXXX. 
I then complained on XX/XX/XXXX by calling in and requesting the residual {$500.00} credit line to be transferred to my account ending in XXXX. After talking with a supervisor and with an agent from the credit lending team, they failed at attempting to process my request. They first reinstated my account ending in XXXX to its original {$5100.00} credit line and then tried to peform a full credit line transfer to my account ending in XXXX. However, the system made them left a {$500.00} residual credit line on the account ending in XXXX. I was eventually advised by the supervisor to wait until my next statement would close in a few days in XXXX and give it a try again. 
I did so and called in again on XX/XX/XXXX after my statement had closed. I spoke with a customer service agent, then a supervisor and a credit lending agent. The credit lending agent apologized and advised me that she could not transfer the full credit line because of how the account ending in XXXX was set up. I complained as this had nothing to do with me. The supervisor stepped in and as much as he tried to help me, he could not do so, and understood my position to escalate this issue to have a proper resolution. 
After all, my intent to have my full credit line transferred from my account ending in XXXX to my account ending in XXXX was for a good purpose : to upgrade the latter account ( a Sapphire Preferred card ) to a Sapphire Reserve card, which needs a minimum credit line of {$10000.00}. 
Unfortunately I need the full {$5100.00} credit line transfer to exceed the {$10000.00} minimum credit line needed to have my account ending in XXXX upgraded to the Sapphire Reserve card. 
I find unacceptable that the bank is unable to perform the full credit line transfer because of how the account is set up, which is responsibility of the bank and not mine. 
Moreover, I find even more puzzling that nobody at the bank can manually process my request when the system keeps preventing them from doing so with no reason at all. The agents were also puzzled as in their experience all accounts with a XXXX  balance and no activity for over 60 days could have their full credit line transferred to another account with no issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

Commenity bank has not reported my payments since XXXX of this year. I paid the card off on XX/XX/2022 but it still shows a balance on all the reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to inform you that there is 100 % improper use of the credit report. Attached to the SSN! XXXX, XXXX, and EXPERIAN HAVE 1000 % VIOLATED THE FCRA, AND IM HIGHLY XXXX ABOUT THIS. I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, passport, driver 's license, and birth certificate. 
This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the XXXX, XXXX, and EXPERIAN credit report isn't accurate AND ITS COMPLETE XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE XXXX, XXXX, and EXPERIAN {$1000.00} PER VIOLATION ( and there are many violations ). I DEMAND YOU, XXXX, XXXX, and EXPERIAN, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT ACCOUNTS FROM THIS CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WIPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENT REMARKS LEFT ON THE CREDIT REPORT. 

IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN. 




POTENTIAL LAWSUITS LIST : EXPERIAN, XXXX, and XXXX TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES THAT NEED TO BE TAKEN OFF ASAP. 

15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY! 


ACCOUNT NAME - XXXX XXXX XXXX - ACCOUNT NUMBER - XXXX - XXXXEXPERIANXXXX  ACCOUNT NAME XXXX XXXX XXXX ACCOUNT NUMBER - XXXX - XXXX/EXPERIAN/XXXX ACCOUNT NAME - XXXX XXXX - ACCOUNT NUMBER - XXXX - XXXX/EXPERIAN/XXXX ACCOUNT NAME - XXXX XXXX - ACCOUNT NUMBER - XXXX - XXXX/EXPERIAN/XXXX ACCOUNT NAME XXXX XXXX XXXX ACCOUNT NUMBER - XXXX - XXXXEXPERIAN/XXXX ACCOUNT NAME - XXXX XXXX XXXX XXXX ACCOUNT XXXX - XXXX - XXXX/EXPERIAN/XXXX ACCOUNT NAME - XXXX XXXX XXXX - ACCOUNT NUMBER - XXXX XXXX XXXXEXPERIAN/XXXX ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - ACCOUNT NUMBER XXXX XXXX XXXX XXXX/EXPERIAN/XXXX  ACCOUNT XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) - ACCOUNT NUMBER - XXXX - XXXX/EXPERIAN/XXXX INACCURATE INQUIRES THAT NEED TO BE REMOVED! 

Creditor Name Type of Business Date of inquiry Credit Bureau XXXX Bank XXXX XXXX XX/XX/2022 Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 Experian
Product: Credit card

This is a request to correct derogatory information furnished by your company to the credit reporting agencies concerning the account mentioned. Provide me with proof of the following : 1. Proof of contract to establish that your company was entitled to enforce a commercial claim against me.

2. Provide me a certified copy or an original contract, with my signature.

a. Certification can be done through the presence of a Notary Public, who duly swears that the copy is a copy of the original contract in question.

3. Send me proof that your company notified me before or no later than thirty ( 30 ) days after furnishing the negative information to the consumer reporting agencies, in writing, that such furnishings or information was going to take place.

a. This notification is required under the Fair Credit Reporting Act, Section 623 ( 7 ) ( a ) b. Therefore, provide proof of notification ( a copy of the notification sent ) and proof that it was delivered to me promptly. 

Suppose you can not provide proof of notification or contract and date of receipt and provide me proof that your company notified me before or no later than thirty ( 30 ) days. In that case, you must cease all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. If you continue your collection efforts against me without proof, I may do one or more of the following : 1. File a complaint with the Attorney General 2. File a complaint with the Federal Trade Commission 3. In addition, by previously using the mail to collect on this account you may also be subject to both civil and criminal liability under ( mail fraud ) statutes according to section 18 U.S.C. 1341, which I will file a complaint with the Postal Inspection Service against you.

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. I understand you will recheck these items with the creditor who posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 I wrote Citibank in regard to the furnishing of my private information. My credit reports from XXXX, XXXX and XXXX all reflect private transaction history. 

The definitions in 15 US 1681a ( d ) ( 2 ) ( a ) ( i ) Consumer Report - Exclusions, says that a consumer report does not contain information solely as to transactions or experiences between the consumer and the person making the report. 

Usage amounts, credit limit and transaction history are still reflecting on my reports.
Product: Debt collection

XXXX XXXX from this company calling aggressively dont know who he is even harrassing estranged family members who I havent spoken to in years. Sent a cease and desist letter will not stop
Product: Credit card

On my Discover account which was opened in XXXX of XXXX, my credit report is not showing payments made from when I opened the card through XX/XX/XXXX. This is now making my credit age look like less time then it is. It shows 11 months as my credit age when it should be 1 year and 7 months. This affected my credit score as well in XXXX of XXXX when these payments made to Discover just disappered. 
I spoke with Discover on the phone and they have verified in thier system that all payments made each month ( sometimes 2 payments per month ) are showing in thier system. 
Please contact me about this issue so we can resolve it. 


My phone number is XXXX I appreciate your help with this matter and would love to rectify this situation asap.
Product: Mortgage

Starting in XX/XX/XXXX, XXXX XXXX payment system ( XXXX ) started to reverse my auto mortgage monthly payments. I was charged late and returned check fees as a result. I contacted their Services group and was told the following : 1. " The bank accounts I used did not have the correct account number ''. I told them the bank account I used had been set up since the beginning of the loan, about 5 yrs ago and there had never been any problems with money being transferred into Flagstar until now. 
2. " The bank I used did not have sufficient funds ''. I forwarded my bank 's history record to show there were plenty of funds to pay when the transactions took place. 
3. " My banks did not send them the money because of " not authorized '' transactions ''. I had to forwarded my bank 's history ledgers to show my checking accounts had been debited which shows the money had been sent to Flagstar. 

Due to advice from # 1, I changed my bank on XXXX to 2 other banks to continue paying the monthly mortgage. Both had the same issue. So 3 of my banks had same issues. Flagstar kept reversing my payments with the same above excuses. I told them it was my banks it was their system. 
When Flagstar reversed the payments, the funds that my banks sent to them were never returned. My banks says they had sent the money to Flagstar but never received any notifications the money is being returned. In order to credit back the money my banks had to initiate their own investigation and perform a Dispute before my money could be credited back into my account. 

I talked to about 10 services reps and 2 Supervisors. None can help explain why Flagstar keeps reversing the payments. Each time this happens I get charged a Returned check fee. Because no one at Flagstar can resolve the issues and my money was taken from the checking accounts to pay Flagstar but was not returned when they performed a Returned check I decided to payoff my loan. I don't trust Flagstar to manage my loan anymore. 

In XX/XX/XXXX, I follow the payoff procedures and obtained the Payoff value from Flagstar. With the payoff, Flagstar confirmed my loan was paid in full and the Deed of XXXX was sent to me with an Escrow refund. When I cashed the Escrow refund check, Flagstar had put a stopped payment on the refund check and told me I still owe them money. If I don't pay then they will rescind the release of the mortgage/trust. 

Because of the many reversed payments performed by Flagstar I feel they still have not returned all my money and that they still owe me money. I can not get anyone from Flagstar to work with me on the accounting for the money. They keep passing me to other people and each time it gets more confusing and more paperwork is required. 

As of XX/XX/XXXX, I still don't have my refund money.
Product: Credit reporting

TransUnion has reported misinformation concerning possibly auto loan and mortgage loan.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to express the profound impact that negative items on my credit report have had on my life. These derogatory marks are preventing me from finding stable housing, as I face repeated rejections due to my low credit score. Despite my efforts to rebuild my financial standing, these issues continue to hold me back. 

The constant denials have left me feeling hopeless and increasingly depressed. I fear that without intervention, I will remain trapped in this cycle with no way forward. I kindly request your assistance in investigating these items, as I believe some may be inaccurate or outdated.

Thank you for your time and attention. I appreciate any help you can provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

buy a subscription for XXXX total XXXX of [ TransUnion Report, Score, and 3-Bureau Credit Monitoring ] . This is stated on the invoice. This means that I will have access to all credit bureaus for this payment. 

transunion Your receipt from TransUnion ( Order # XXXX ) did not provide me the service of being able to see the 3 credit bureaus. He did not give me the option for which I pay and the evidence is on the invoice. in this case they cheated me by buying this subscription.

After making the purchase I go to the option to see the 3 credit bureaus and monitor them and they charge me XXXX dollars again. The subscription is a lie. the invoice that I pay says exactly what I paid and the service that they should give me. It was not like that and I did not receive any service. Now to be able to see the XXXX credit bureaus I have to pay XXXX dollars again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting an incorrect coding of XXXX partial account number XXXX. This account is being coded as an XXXX when actually this needs to be coded as an XXXX. ( Please see page 9 of  the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.