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

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX/XXXX  XXXX  Account Number XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX  XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX  XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX  XXXX  XXXX XXXX, WY XXXX XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX # XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, WY XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, WY XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, WY XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, WY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WY XXXX APARTMENT COMPLEX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX # XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX  XXXX XXXX, WY 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 have requested the METHOD OF VERIFICATION multiple times with Experian and XXXX   concerning this Bankruptcy that is reporting on my credit report. Per FCRA, Section 609 a ( 2 ) I am requesting to see what Experian, and XXXX used as proof to verify the bankruptcy. Experian, and XXXX  has repeatedly sent me pre-made letters stating, " VERIFIED '' and the information was furnished to them through XXXX XXXX. This is impossible that Experian and XXXX investigated this situation due to the fact I spoke with a representative of XXXX XXXX AT XXXX and XXXX XXXX STATED THERE IS A FREEZE DUE TO IDENTITY THEFT ON MY REPORT AND THEY DID NOT VERIFY ANY INFORMATION WITH EXPERIAN, XXXX AND XXXX whom all are third party agencies. 

Also, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding procedures and results of investigation states " ... if request by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, in the business name and address of any furnisher of information CONTACTED, meaning a LIVE PERSON NOT A COMPUTER DATABASE in connection with such information and the telephone number of such furnisher if reasonably available ... '' Credit reporting agencies are required to conduct investigations of disputed items with the " FURNISHER '' of information. The Bankruptcy Court should be the furnisher of information not a third-party source such as XXXX XXXX. 

All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. 

I am asking for this investigation because my credit score is important to me, and I believe it is being  unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 

I will be sending a copy of this letter to the CEO of Experian and XXXX  I will not accept any more template responses from EXPERIAN and XXXX!
Product: Credit reporting

XXXX XXXX. Last Payment date is not being reported properly after I sent the letter from XXXX. account should be removed immediately. i have sent them numerous letters and faxes to have this corrected and account removed.
Product: Credit card or prepaid card

Hello Sir/Ma'am I have purchased furniture from XXXX store and they gave me interest free credit for two years. The credit account is with Synchrony Bank. Payments were normally taken out of my XXXX XXXX XXXX XXXX   until XX/XX/2018 when I was shocked that Synchrony Bank withdrew the total balance from my account! After contacting Synchrony, they claimed that I made full payment which is illogical! Anyway, after submitting a dispute XXXX XXXX XXXX XXXX refunded me my own money. The problem is that Synchrony suspiciously claiming that they credit ( refunded ) me the whole amount again and trying to charge me!! I called Synchrony bank to investigate but they insists that I was paid twice. I have only one checking account with XXXX XXXX XXXX XXXX and they confirmed that only XXXX refund to my account through XXXX XXXX  XXXX XXXX! I need your help please
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed. Please dont respond to my request by saying that these accounts have been verified by the information provider, I a aware of the E-OSCAR process.I do not give your company permission to publish unverified information on my credit file. I am asking your company to legally verify the accuracy of these disputed items and not to just parrot what the information provider tells you. By publishing these unverified items on my credit report you are in violation of the FCRA and by distributing my credit report to 3rd parties you are damaging my reputation and credit worthiness.
Product: Bank account or service

Set up new personal account at Capital One 360 with {$500.00} cash. The agent did n't disclose that opening funds would be locked for 14 days. No access.
Product: Debt collection

This company continues to violate my consumer rights. I have proof down below in the attachments from the XXXX XXXX XXXX but they are still trying to collected a debt that is not mine. I have disputed this inaccurate account that is damaging my credit and my life. They repot to the credit bureaus that they have verified the debt belongs to me but never sent me a validation letter showing that. I reported them to the XXXX  and they never responded but say i owe a debt.
Product: Credit card

On Monday, XX/XX/year>, at approximately XXXX XXXX XXXX I logged into the AMEX XXXX XXXX app. I saw an offer to upgrade from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was also presented with an offer to earn {$150.00} cash back if I spend {$1000.00} in the first XXXX months After upgrading. The offer stated my account number won't change. I submitted an application. I was approved instantly at approximately XXXX XXXX XXXX and the app showed a message that my application was approved. After being approved, at approximately XXXX XXXX XXXX  I made a purchase for {$190.00} at merchant XXXX XXXX, which is a grocery store. As of now, XXXXXXXX XXXX XXXXT on XX/XX/XXXX, my online account does not show my upgraded card and AMEX chat agents say they can not confirm my upgrade. AMEX induced me to upgrade my card, provided immediate approval, and did not state there would be any delay time for my upgraded card to be activated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I am writing you today because while reviewing my Transunion credit report XXXX File # XXXX ), I noticed several unauthorized inquiries being listed by Transunion XXXX. XXXX XXXX XXXX, PA XXXX, XXXX XXXX XXXX XXXX. 

The following inquiries have not been authorized by me and should not be listed on my credit report : XXXX ) XXXX XXXX ON XXXX/XXXX/XXXX XXXX ) XXXX XXXX ON XXXX/XXXX/XXXX XXXX ) XXXX ON XXXX/XXXX/XXXX I have attempted to resolve this issue with Transunion, all to no avail.
Product: Mortgage

I have a mortgage with nationstar. last year, they ( greenlight loans ) pestered me to refinance. they do this by first emailing you, then sending letters, then calling. i wanted to refinance so i began the process. ultimately, they promised a rate lock of 4.125 %, but it slid up to 4.375 % based on ltv ratio and subjective interpretation of fico scores. eventually they denied my application, even while i still have a loan with i think what is their parent company. 

it started all over again this year, about the same time. ultimately, now all paperwork is completed except they are waiting for a subordination agreement with XXXX who holds a second. this waiting has been since late XXXX or XXXX XXXX when i challenged them to push XXXX to get it done, they said their protocol is not to pester lienholders. i bought down from XXXX to XXXX with about XXXX point, or $ XXXX. the rate lock agreement expires XXXX XXXX what i see now is that most likely they are waiting for the agreement to expire and then raise the rate. this sounds like a scam to me to suck you in early on and then jump the rate when you are exhausted and tired of waiting. i could have gone with a legitimate firm had i realized what was going on. i would really like you to investigate these practices.
Product: Credit reporting or other personal consumer reports

I followed up on my credit report on the day of XX/XX/2024. The account that I'm following up on is reported on my credit without my permission or consent. The account is XXXX XXXX XXXX for {$590.00} and the law clearly states 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 agency can not furnish an account without my written instructions. U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. These laws protect me from being abused by the consumer reporting company which have assumed this responsibility of furnishing my consumer report and and it has to be 100 percent accurate. 15 U.S.C 1681 ( a ) ( 3 ) consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers This is the laws set in place by Congress to protect my rights.
Product: Credit reporting or other personal consumer reports

BANCO POPULAR XXXX XXXX CREDIT CARD STARTIN XXXX OPENED AN INVESTIGATION ON XX/XX/year> NO ACTION HAS BEEN TAKEN ON MORE THAN 30 DAYS ACCOUNT SHOULD BE REMOVED INMEDIATELY XXXX  BANCO POPULAR HAS VIOLATED A CREDIT REPORTING RULE. WHEN AN INVESTIGATION EXCEEDS 30 45 OR 60 DAYS AND THE BANK DOES NOT RESPOND IT IS NO COMPLAYING WITH THE CREDIT REPORTING OVERSEEING LAWS
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, IN Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX AUTO, XXXX 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.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of the competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Credit reporting

XXXX, XXXX, and TransUnion continues to report a repossession which is not associated with me, despite repeated disputes with both the CRAs and the creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX open date XX/XX/2019 would not submit certificate of peer ship of debt with live signature proving ownership of debt XXXX XXXX XXXX XX/XX/2019 improper dates and balances are on my credit report
Product: Prepaid card

I received a physical Amex Gift Card which as of XX/XX/year> still shows an original balance of {$100.00} when I check it on the website on the back of the card. However, each time I have attempted to use this on XXXX or XXXX XXXX and XXXX XXXX   at full or half value, the transactions are declined. Many people have reported having this problem starting this past year.
Product: Student loan

Honestly, do n't even know where to begin. I have n't had a student loan since 2002. My original balance was about XXXX. Somehow, no matter how much I 've paid on it since then, the balance never goes down and now says I owe over XXXX?? Student loan companies are ripping people off every day. Anything, my credit report show student loans from other lenders, where contracts were sold over 12 years ago. I have asked to have them removed, but they are still remaining on there. I have them garnishing my wages, hundreds of dollars in the past, but yet they refuse to show me my payment history and where the money was applied that I paid. Now I have a new company which says XXXX, aka great lakes, reporting to my report I am in collections. I went online and set up and rehabilitation agreement and pay them every month. However, When I call them to ask why I am getting collection notice increases on my reports every month, they said I have no account with them. So who am I paying once again??? It 's killing my report, that I have XXXX student loan, but XXXX different ones showing on report, from different lenders. No one has sent me any verification per my request with payments I made or payments garnished. I anything showing a student loan from past or present removed from XXXX reports. I am fine having my report updating with my current payment rehabilitation program, but no one seems to know where that is going!! These accounts being reported on my account are all in accurate and need to be removed immediately. I am trying to buy a house. I ve paid more in interest over the years than my original loan ever even was!! Just rip off and I have no degree to show for it. uggggg Please have them update my reports showing XXXX student loans. Older ones should of been removed anyway, they are over 10 years old and not even the correct lenders. The school I went to for a year, isnt ' even open anymore to give me any information either. 

PLEASE NOTE.. IT WAS FOR XXXX XXXX XXXX IN XXXX XXXX. I CA N'T UPDATE THE LINE BELOW WITH IT. KEEPS REJECTING IT OR KICKING ME OUT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported these inquires and sent in police report by certified letters and they are still not removed
Product: Debt collection

The information below showed up on my credit report and I have never been notified of any debt owed to any medical provider ever. I had a large emergency visit bill for {$3600.00} that I worked with the medical provider to pay off ( XXXX XXXXXXXX ) and I have paid {$2600.00} of the balance to date. I have no idea where this expense came from and have an impeccable record of paying all of my bills in full and on time. 

Account info Account name PHOENIX FINANCIAL SERVIC Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$430.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$430.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$430.00} Highest balance {$0.00} Terms 1 Months On record until XXXX XXXX
Product: Mortgage

Ditech did not address my complaint.

- Ditech did not accommodate the mandatory hurricane relief for victims of Hurricane Irma, even upon my phone request.

Complaint ID XXXX - Ditech made an unprecedented payment on my behalf, without my authorization or request, to an insurance company and has not refunded the payment and is charging interest on the payment account.

- Ditech sent loan modification documentation offering 3 options to which I was supposed to apply if interested. On 3 occasions I called and stated I was not interested, and had even expressed I did not want the modification prior to them sending me the information, and they enrolled me in the new program anyway, and have not settled the extra expenses I incurred due to their negligence.

- Ditech did not apply the payments I made to my account, and instead has held funds while allowing interest and fees to accumulate on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

You have got to XXXX kidding me?! I am complaining about Experian yet again! This is ABSOLUTELY RIDICULOUS!! I just complained a couple of weeks ago about my BK which Experian finally removed after maliciously trying to ruin my credit even further by trying to extend it an extra three years for no reason. So now they ( you Experian ) retaliated against me for complaining about you. You removed my BK finally but now in removing my BK you dropped my credit score by 30 points from XXXX to XXXX after removing my BK? So explain to me how that make sense? You removed a major negative item from my credit report and you drop my score 30 points for that? If you ask me that sounds like retaliation against me for complaining about you. Why would one 's score drop 30 points for having a major negative removed? Hello Federal Government, do you not see a pattern of wrong doing here? There is no reason whatsoever why my score should drop 30 points after having a major negative item removed from a report. If anything my score should have went up 30 points, I mean really!! Again maliciously, knowingly and willfully ruining my credit once again! I can't even believe I am having to complain once again. I am so tired of this fraud of a credit reporting bureau it makes me sick you just purposely try to ruin people lives. Sure I've missed some payments lately but I've been unemployed for over three month 's now and that would be the reason for that. It's like kicking someone when there down by what you have done by dropping my score 30 points as you have for removing a major negative item. So now because of what you've done ( Experian ) I have been turned down to rent an apartment for XXXX and now I may be living on the streets come the new year. THANK YOU EXPERIAN!! Federal Government please take action against Experian, that is not okay to do what they are doing to everyday folks like myself. I now can not move and maybe homeless. This is an OUTRAGE AND TARVESITY what you credit bureaus are allowed to get away with! So frustrated!! I can't even believe this!!
Product: Credit reporting or other personal consumer reports

XXXX AND EXPERIAN HAS FAILED TO REMOVE XXXX XXXX  FROM MY CREDIT REPORT. XXXX HAS INVESTIGATED AND REMOVED THIS ACCOUNT FROM MY CREDIT REPORT DUE TO INACCURACIES AND MY INFORMATION BEING INVOLVED IN A DATA BREACH. XXXX HAS FAILED TO REMOVE XXXX XXXX FROM MY CREDIT REPORT EVEN THOUGH THEY'VE YET TO PROVIDE ME WITH THE DOCUMENTS THAT I REQUESTED TO VERIFY THAT THE ACCOUNT BELONGS TO ME. IVE SENT SEVERAL DISPUTES AND NOTHING HAS BEEN RESOLVED. XXXX AND EXPERIAN HAVE TWO DIFFERENT CREDIT LIMITS AND OPEN DATES FOR XXXX XXXX AMONGST OTHER THINGS. I ALSO DONT RECALL THE ACCOUNT AND THEY HAVE NOT PROVIDED ME WITH ANY INFORMATION VERIFYING THE ACCOUNT IS MINE. I WILL ATTACH DISPUTE LETTERS AND THE DISPUTE RESULTS OF XXXX REMOVING THE XXXX  ACCOUNT. I WILL ALSO ATTACH MY FTC REPORT AS WELL.
Product: Mortgage

I started a refinance process with Flagstar in XX/XX/2020. I was told this process would take a couple of months. It has now been 6 months and the refinance has not closed. While I am frustrated by the delay, my complaint is related to what appears to be an attempt by Flagstar to change the terms of the refinance without my knowledge. 

My closing was scheduled for XX/XX/XXXX. Several days prior, I received a closing disclosure in the mail. The closing disclosure stated that my loan estimate closing cost was {$12000.00} and that my final closing costs would be {$12000.00}. My original estimate was nowhere near this amount - Flagstar included property taxes, which were not part of the estimate, in the final disclosure without telling me in advance. Furthermore, they claimed that my final disclosure matched the loan estimate, which is false. I am not certain whether this was intentional or not, however it is clearly incorrect and misleading. At the close, a notary was supposed to show up at my residence as well as at parent 's residence at a designated time to sign the documents. The notary was a no-show at both locations - nobody informed me in advance about cancelling the closing, and nobody has explained why this closing was cancelled. 

While the mortgage I am attempting to refinance is in my name, I am not the sole owner of the property as my father owns a portion of it through a trust. I was clear on the ownership structure at the beginning of the refinance process and that I did not want to change the ownership structure in any way. I found out through the title company that Flagstar is attempting to take the deed out of the trust to proceed with the refinance. This attempt was done without my knowledge. I have no idea what the implications might be of taking the deed out of the trust, however it appears irresponsible to me for my loan officer to be attempting to change how the deed is held without my knowledge.

Finally, when I log onto the Flagstar website, it states that my loan has closed, which I don't believe is the case as I haven't signed anything. If the website is correct, it is not clear to me whether I should stop paying the original mortgage and start paying the refinance mortgage. It is also not clear what terms were closed.

I am in regular contact with Flagstar about this refinance so they are well aware of my concerns but they have not adequately addressed them.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX Date : XX/XX/year> To : LexisNexis Risk Solutions XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Update Public Records with Phone Number Dear FactorTrust Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX