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

I have contacted LexisNexis regarding the Bankruptcy reporting on my credit report over 5 times. They have informed me that this information is accurate and it is not. This bankruptcy does not belong to me and is causing difficulty getting me approved for a home mortgage. 5 total times I mailed documents to Lexis Nexis disputing this information and it is still reporting on my credit report as this belongs to someone else. I have also contacted the Credit Bureaus regarding this as well as they have been the ones that reported this information because of LexisNexis as the data point. I have contacted the bankruptcy court that has supposably reporting this information by certified mail and asked why they have reported this information because I have never filed bankruptcy. They sent me back a letter stating that they don't report this information to the credit bureaus. This letter is attached to this complaint via PDF. The thing that puzzles me is if the Court themselves state they don't report this information why is this being reported in the first place. According to the Fair Credit Reporting Act this must be reported by the original creditor. The original Creditor is The United States Bankruptcy Court For The XXXX XXXX of Michigan. But according to the proof and letter attached from The XXXX XXXX XXXX XXXX XXXX XXXX, they don't report individual bankruptcy cases to the credit bureaus. Lexis Nexis is the company that has reported this information and it does not belong to me. This is why I am filing this complaint with the CFPB.
Product: Mortgage

I purchased an investment home in XXXX from the VA under their VA Vendee Loan program. The {$130000.00} VA mortgage was processed and held by XXXX  XXXX XXXX from XXXX until summer XXXX. I routinely overpay each month to accelerate my principal payback and reduce interest costs. During this time I had no problems in dealing with XXXX, prepaying principal, or correctly crediting my payments and pricipal overpayment to Interest and Principal balances. 
In XXXX XXXX transferred my mortgage to Carrington Mortgage Services LLC. Since that transfer, Carrington has repeatedly and incorrectly charged my monthly overpayments as future loan coupon payments, meaning they are not reducing my principal owed when I overpay, and charge/collect the future interest payment on the incorrect loan balance. I regularly call Carrington to reverse the future coupon payments, and reapply overpayment to principal owed. This is a nuisance that I've never had to tolerate with any other mortgage holder, but it seemed to address the problem. 
However, during my monthly complaint call in early XXXX, Carrington 's customer service rep claimed he can't reverse interest collected in because 'the XXXX books are closed ', with the result that any XXXX excess principal payments I made in XXXX - that they incorrectly reallocated to future XXXX interest payments - are irreversible and non refundable. I do not see any such clause in my XXXX mortgage documents, and I have never had a mortgage servicer fail to correctly and accurately allocated principal overpayments to my loan balance, and recompute interest per the new balance. 
One rep asked that I no longer include principal overpayment within the same mortgage payment check, to ensure it is credited separately as principal. I complied the following month, but the second check was also applied to future interest, principal, and escrow. After one of my calls when the rep agreed to reverse my {$8000.00} overpayment to ensure it was credited to principal balance, the next monthly statement shows the correction was also reversed back to future coupon payments. 
I am not a financial scholar, but I believe the term 'fraudulent ' accurately describes this firm 's routine policy of failing to correctly allocate principal payments and recompute interest owed, and failing to correct interest collections due to 'closing the books '. In my understanding, any loan is active as long as there is a balance, and erroneous computations are always subject to correction. 
After many months of this recurring issue, I recently decided to pay this loan in full to conclude my dealings with this firm. The payoff amount provided by Carrington this week failed to credit my principal overpayments, overstating my amount owed - their figure does not credit unearned future interest payments that were supposed to have reduced principal in the month paid. I can not get a straight answer or correct loan balance from anyone available by phone at this firm, and from a quick search online, my experience is consistent with Carrington 's unearned interest collection practices with other clients.
Product: Credit card

I took out a second mortgage and paid all my credit cards. I have an outstanding credit score. I have never been late with my payments in over XXXX years. At the time my I was caring for my brother who had XXXX. I had gotten a second mortgage to pay off my credit cards. So I used an account that I opened from XXXX to make a XXXX time payment but I wasnt aware that I could make a payment directly from that account I had to open up a checking account to transfer the funds from my HELOC account to the checking account. My main payment to all my credit card has been my chase checking account. So I was making payments and I would get a message that my payment didnt go through. I called chase and asked them to remove this account because I didnt have any funds in it. So When I would make electronic payments I still saw the same account that I asked for it to be removed but continued to Check my personal checking account with chase. I kept getting messages that my funds were declined. I would look into my checking account and saw that I had enough funds to cover the payment and would resend it again checking off my chase checking account and then I would get notification that my funds didnt go through I would check the payment and it would show It was paid so I thought it may have been a spam letter trying to get me to send money so I ignored it. I was too consumed with caring for my brother. It wasnt until I received a notification that my account was closed. I also thought that was spam because I made my payments on time and even paid extra to pay off the account quicker. its ashamed that not once did I ever receive a call to see what was happening. My brother was XXXX and I didnt have the time to call. So when I actually saw on my account that it was closed my brother had passed and I was able to focus and. Called. They explained to me that funds write being taken out of the account I never use and I said how??? Because I would manually check my chase checking account because I know the other account had no money, it was an account that I used to transfer funds only. I told them this had to be a glitch on their end and they needed to find out what happened because I know which account I took funds from to pay it. They kept my second credit card open. I just paid the entire card off and after paying it off, they closed it. Im upset as Ive made on time payments have possibly been late once not sure but I would say never. So now they wouldnt investigate and said I would have to reapply. I used the points for traveling and they kept my points as well. I shouldnt have to reapply again when their system was glitching.. I want my cards reinstated along with my points. This is unacceptable behavior on their behalf.
Product: Money transfer, virtual currency, or money service

on XX/XX/2021 Paypal issued a decision whereby they refunded a previous tenant whom was renting my property a refund in the amount of {$1800.00} for the month of XXXX rent. The buyer paid me ( at his request ) the monthly rent payment via paypal. He lived in the property the entire time up til XXXX the day of his last rent payment and fulfilled the occupancy terms of the lease. Payment for lease = Time lived in property. He used his last payment date as the transaction he opened a dispute against me stating he had not received his security deposit back yet. First he left the property with significant damages while also I followed the Georgia OCGA code ; which states that if the tenant does not provide a forwarding mail address that I then must mail him a copy of the moveout inspection report with final accounting provided. ( It was stated in writing that he must provide forwarding mail address for final security dep if any due to be sent to, and 2. it was stated that he should participate in a move out inspection of the property 3-5 days at max after vacating. He did NOT do either. I provided the lease contract which stated these details to paypal and he paid his security deposit via a personal check drawn off renesant bank with memo note indicating security deposit. I also provided a copy of cleared check to paypal. They stated I needed to provide tracking number for shipment. I asked how or what I could get this information from as it was impossible to obtain considering the circumstances. I did provide a copy of text messages from the tenant showing where they texted me the date they vacated telling me it was empty and they were moved out. None of this helped and after 3 calls to paypal desperate for help they still gave him a refund of {$1800.00} now i owe paypal {$1800.00} and I need help to resolve this matter. one that paypal never should have been involved in to any regard, as well the tenant fraudently disputed his rent payment which he received occupancy of the property for the entire time. His security deposit was paid via a personal check not paypal and he stated in his dispute he was seeking his security deposit back. Which again the amount of damages he left when vacating was substantial and I am taking him to small claims court to resolve that matter
Product: Credit reporting or other personal consumer reports

According to the fair credit reporting act ( FCRA ) section 605B. It is illegal to report information on my credit report without my permission. 

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 have a loan with SYNCB/AMAZON PLCC and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called SYNCB/AMAZON PLCC and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX and SYNCB/AMAZON PLCC with no successful resolution. XXXX reporting me having late payments. There was an error on their part. I was never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis has not taken the necessary steps to correct information given to XXXX XXXX about an accident I was involved in on XX/XX/XXXX. The report has it listed as an At Fault Accident although it was not. The accident report taken by the police states that the other driver admitted he swerved in front of me causing me to hit his vehicle. Also, the claims representative that handled the claim agreed that it was NOT an At Fault accident yet, LexisNexis, XXXX, etc. has it listed as such. Again with another accident on XX/XX/XXXX, which was weather related, is also listed as an At Fault accident. My insurance quotes and rates have been ridiculously expensive averaging around $ 400/mo. because this issue has not been corrected or resolved.
Product: Credit reporting or other personal consumer reports

I ask equifax to remove this company off my credit report I have no knowledge about this account! The address is wrong.. the account was fraudulent open. EQUIFAX NEEDS TO REMOVE THIS FROM MY CREDIT REPORT!!!
Product: Credit card or prepaid card

I was a regular payer of ELAN FINANCIAL SERVICE and I do not recall missing any payments. Yet, as I received my credit report there I noticed that I have a late payment which was on XX/XX/2022. I do not recall being late ever therefore I decided to file a dispute. I already sent multiple letters expecting for a response of for the inaccurate late payment to be removed. It has been a long wait but I was not notified of anything nor I noticed any changes with my account statement.
Product: Credit card

On XX/XX/year>, I made a purchase on XXXX using the credit card ending by XXXX with the amount of XXXX of XXXX XXXX XXXX XXXX The XXXX  only brought XXXX bottle of XXXX  which was equivalent to XXXX after the promotion. I did not receive the second bottle. The XXXX  asked me to reach out to XXXX for a refund, I did. XXXX denied the request. So I file a dispute with the credit card company, and they close the case and reversed the temporary credit. I had to lose XXXX dollars for nothing. The credit card company did not send me a notice in the mail regarding the dispute resolve until today I went to their dispute center and found out it was not in the favor of me the customer.
Product: Checking or savings account

Truist bank is holding my tax refund check sent directly from the US Treasury of the amount of {$23000.00} and will not release my tax return due to truist bank suspecting the check being fake. This has caused me delays in paying bills and inconvenience of other situations
Product: Debt collection

I have had a Collection from XXXX XXXX XXXX, XXXX via Synchrony Bank from retailer Walmart, on my account for the past few years. I have disputed the account numerous times with the company and credit bureau 's only to have the account come back as " Verified '' every time. 

I have asked for proof that the account was opened by me, including the original application or account opening document, but it has never been provided. The company has only sent a copy of XXXX billing statements which, of course, doesn't show that the account is mine, only that it exists. 

I asked XXXX how they verify the account and was told it is simply a matrix of " personal information '' in my credit file that they compare against the personal information the collection agency is sharing, nothing more. There is no requirement to show proof of account ownership and no way to truly verify the account opening date if it is not already shown within my credit file. Therefore the entire account can not truly be verifiable and relies on a plethora of inaccuracies.

I have disputed the account in the following manners : XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX has sent me some forms to fill out requiring a notarized statement and a police report for " fraud '' cases. Although this may ultimately be fraud, I am unwilling to provide these forms until I have been shown the original signed document that was utilized to open the account. I haven't been provided the documentation I've been requesting within my disputes for years. I need to see the application document, the signed document, the agreement/terms and original date the account was opened as well as the last payment, if any. The burden of proof still upon the collection agency, but they are refusing to comply.
Product: Bank account or service

I have XXXX unauthorized transactions on my account and I called the bank immediate ( the next day after the transactions were posted ). The bank told me that they will investigate that and will contact me within 48 hours. however, they never contacted me and I have to call them back and I was transferred XXXX times and still got no resolution. I got a feeling they try to ignore me and made it as hard as possible to let me get my money back. I am very frustrated and I am closing my account with them once I have my money back.
Product: Mortgage

I applied for a XXXX and was approved for XXXX but the XXXX  appriased my place for XXXX less than the tax roll and I then XXXX XXXX XXXX  and he confirmed my place was worth over XXXX more than the XXXX XXXX I was forced to pay off XXXX other loans that were lower insterest that were with truist and they charged me XXXX worth of payoff fees on a XXXX car note. Lastly the branch XXXX forged my wifes signiture and noterized the documents when I or my wife was not present. I was never told ot was a variable rate either. The branch managers name is XXXX and I asked to talk to general XXXX  and was told I could not.
Product: Vehicle loan or lease

Last month i spent countless hours with Toyota Financial representatives over the phone, and I was assure that everything would be done and corrected in regards to those late payments. Then, I was shocked when I reviewed my credit report today and found late payment on the dates below which they had mentioned that it would be taken care of and updated with the credit bureaus. 

XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Money transfer, virtual currency, or money service

Coinbase XX/XX/XXXX : Coinbase deactivated my Coinbase wallet citing eligibility restrictions ( they think I live in Wyoming, but I live in Alaska ). 

XX/XX/XXXX : Coinbase locked my account. I have no access to my account. 

XX/XX/XXXX to XX/XX/XXXX : Repeated attempts to inquire about getting my money out of my account. Coinbase responds with steps to remove my money, yet ignores the fact that I cant access my LOCKED account in order to follow their steps.

Case ID : XXXX Case ID : XXXX Case ID : XXXX Case ID : XXXX Coinbase has my money, wont allow me access to my account to retrieve my money and continues to tell me to access my account, remove my money and close my account .... but they wont give me access to my account in order to follow their outlined steps. 

Please help.
Product: Credit card

XXXX Mastercard does not honor their promotions giving bonus points for purchases during the promo period. 

I signed up for a XXXX points promo during XX/XX/XXXXXX/XX/XXXX. I made {$38.00} of purchases in that period. I only received XXXX points in my XX/XX/XXXX statement. I should have received XXXX ( $ XXXX ) points. I have informed them but they have ignored my complaint. 

I signed up for a XXXX points promo during XX/XX/XXXX-XX/XX/XXXX. I made {$38.00} of purchases in that period. I only received XXXX bonus points in my XX/XX/XXXX statement. I should have received XXXX ( $ XXXX ) bonus points. I have informed them but they have ignored my complaint. 

I signed up for a XXXX points in the shopping category promo during XX/XX/XXXX-XX/XX/XXXX. I made {$50.00} of purchases in the shopping category in that period. I only received XXXX bonus points in my XX/XX/XXXX statement. I should have received XXXX ( $ XXXX ) points. I have informed them but they have ignored my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Duties upon notice of dispute from a consumer reporting agency Section 623 ( b ) ; 15 U.S.C. 1681s-2 ( b ) This section requires that whenever a person, such as a financial institution, receives a notice of dispute from a consumer reporting agency regarding the accuracy or completeness of any information the person provided to a consumer reporting agency pursuant to Section 611 ( Procedure in Case of Disputed Accuracy ), that person must, pursuant to Section 623 ( b ) : 1. conduct an investigation regarding the disputed information ; 2. review all relevant information the consumer reporting agency provided along with the notice ; 3. report the results of the investigation to the consumer reporting agency ; 4. if the investigation finds the information is incomplete or inaccurate, report those results to all nationwide consumer reporting agencies to which the financial institution previously provided the information ; and 5. if the disputed information is incomplete, inaccurate, or not verifiable by the person, it must promptly, for purposes of reporting to the consumer reporting agency do one of the following : a. modify the item of information. b. delete the item of information. c. permanently block the reporting of that item of information. 

LVNV FUNDING LLC # XXXX is reporting inaccurate information to my XXXX credit report. I have contacted both to launch an investigation on numerous occasions, most recently on XX/XX/2023, but I have not received any information on the investigation. This is a violation according to the law listed above.
Product: Debt collection

I C systems reported that was open with them XX/XX/year> and I have no knowledge and they do not have me on any contractual agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Everything has to be 100 % accurate on my credit report. 

The credit burruea stated my account was properly investigated, but how is that possible If the open date isn't accurute The date last active isnt accurate. And the date last reported is inaccurate. That is grounds for removal. 

They violated my rights under the XXXX5 U.S.C. 1681, Section 602 A states I have right to privacy.

15 U.S.C 1681 Section 604 also states that Consumer report agencies can not furnish my account without my permission. 

They also violated my Hippa rights. 
I had no knowledge or consent of my medical info being disclosed.
Product: Credit reporting, credit repair services, or other personal consumer reports

All of the derogatory remarks on my credit report are paid, and closed. Please remove all derogatory remarks.
Product: Student loan

I am attempting to work with AidVantage on my federal student loans, and they are ill prepared for the upcoming start of student loans. Furthermore, they are not prepared wit the appropriate legal documentation to explain how XXXX XXXX XXXX consolidated my loans without my approval. These student loans are ITT related, and the company is refusing to work with me. Furthermore, they are claiming they dont have managers on staff, the call center reps are rude, and put people on hold for extended periods of time. Ive been on hold for over an hour to try to talk to supervisor to get things worked out and its a joke. Its no wonder why people dont want to student loans any futher.