23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On or about XX/XX/2019 I contacted my mortgage company Pennymac regarding a cash-out refinance, due to an ad that had been placed in my monthly statement. I was put in contact with XXXX. XXXX, a loan officer with this company ( his NMLS # XXXX ) regarding the possibility of doing the refinance. We live in a condo in XXXX XXXX, CA and I was advised by this agent that our one bedroom unit was being appraised at {$210000.00}, and that in fact a unit identical to ours was just sold for {$220.00}. According to this advice I contacted Mr . XXXX on XX/XX/XXXX and told him that based on this information we would proceed with the application. He advised me that we would have to pay for the appraisal upfront, and that the appraisal I would have to obtain would be {$440.00}, although he had mentioned previously that he could attempt to obtain an appraisal for {$170.00}. That did not happen, and we proceeded to pay Pennymac for what I thought would be an appraisal that would allow us to proceed. Within two days an appraiser was here at our property, accompanied by a lady who was the photographer. After raving about our place he seemed more interested in discussing the problems with his teeth than checking any of the usual items an appraiser would to make sure were in good functional condition.But as soon as I told him I was a health insurance broker his conversation was centered around teeth and the work he needed to have done. His assistant took a lot of pictures, and they left. The next day to my consternation his appraisal did not even come close to what Mr . XXXX had suggested it should be. It came in even lower than what we paid for the property at {$190000.00}. thus killing any opportunity of doing the refinance. I believe this really was a very unfair way to treat a good customer of Pennymac who has always paid his mortgage payments right on time. I feel I was mislead by Mr . XXXX. In trying to contact the company regarding the {$440.00} they had taken from me just two days prior it was nearly impossible to connect to any person. After about two hours of asking for a supervisor or anybody who I could speak with I finally reached a gentleman who promised to contact the people in charge, but not never happened. I wrote Pennymac but they ignored my contact. So now I am submitting his complaint as I feel I was not told the truth, the appraiser they sent was deficient in his obligation of providing a fair appraisal of my property, and as a senior who has to work at age XXXX 6 days a week I have lost a significant amount of money for no good reason. I believe in all fairness I should have been contacted by Pennymac regarding my letter, and that all I heard from Mr . XXXX when I asked if there was any remedy was that he guessed the loan was a dead issue. I believe I have been treated unfairly in this situation and would like my money back. XXXX XXXX
Product: Credit reporting or other personal consumer reports

My last name is spelt wrong they spelt it. XXXX  when it should be XXXX. 
Plus an address in XXXX XXXX never lived in XXXX XXXX. The address they put on my report is XXXX XXXX XXXX XXXX XXXX XXXX never lived or used this address it is fraud for these two issues i saw on report.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your 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
Product: Credit reporting or other personal consumer reports

I am writing to formally address multiple unresolved issues with the information on my credit report, despite previous communications and disputes I filed regarding inaccuracies. I initially reached out to BANK OF AMERICA to correct discrepancies in my credit report, including errors with the dates of last payments, dates accounts were opened, payment history, and account status. After providing you with supporting documentation, I was assured that an exhaustive examination had been conducted. 
However, as of today, my credit report remains unchanged, and the errors I reported are still present. Furthermore, I have noticed that negative actions have been taken on my credit report, despite the unresolved inaccuracies. My full name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
My date of birth is XXXXAs a consumer, I have the right to dispute inaccurate or incomplete information on my credit report under the Fair Credit Reporting Act ( FCRA ). Under 15 U.S.C. 1681e ( b ), BANK OF AMERICA is required to maintain reasonable procedures to ensure the accuracy of the information provided. Since I submitted clear evidence of inaccuracies, your failure to correct these errors constitutes a violation of this requirement. Under 15 U.S.C. 1681i, when a consumer disputes information on their report, BANK OF AMERICA must investigate the dispute within 30 days. It has been over 30 days since I filed my dispute, and I have not received any update or resolution. This delay in investigation and failure to provide a clear response is a violation of my rights. Additionally, under 15 U.S.C. 1681 ( a ), my right to privacy is protected, and under 15 U.S.C. 1681b, a consumer report can not be furnished without my written consent unless specific exceptions apply. If any information from my credit report has been accessed or shared with third parties without my explicit consent, this would also constitute a violation. I ask that you confirm whether my written consent was obtained for any recent report disclosures. As part of my efforts to resolve this matter, I filed a formal complaint with the Federal Trade Commission ( FTC ) under report number XXXX. I trust that BANK OF AMERICA will cooperate with the FTC in addressing these issues, as required by law. To resolve this matter promptly, I request that you conduct a thorough reinvestigation of my credit report, specifically addressing the inaccuracies in the dates of last payments, dates accounts were opened, payment history, and account status. I also request that any erroneous information be corrected or removed immediately. Furthermore, I ask for a detailed written response outlining the steps taken to correct these inaccuracies and actions taken to ensure compliance with the FCRA. If these issues are not resolved within 30 days, I will be forced to consider further legal action, including seeking damages for violations of the FCRA. I expect your prompt attention to this matter and a resolution within the legally required XXXX timeframe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have new information concerning Equifax 's continued willful non-compliance to perform a reasonable investigation under the FCRA and to protect my personal information as required under the Gramm Leach Bliley Act. 
Fact, I have submitted two request that Equifax cease reporting a bankruptcy that I did not give them authorization to share or furnish. Fact, Equifax responded with a form letter response which the CFPB explicitly dislikes. Fact, the US Bankruptcy court of NJ does not furnish information to Equifax or any other reporting agency. Fact, Equifax has not performed a reasonable investigation into whether or not they have my written authorization to furnish any public record information onto my consumer report. Fact, it is not known how Equifax is obtaining this information. Fact, the furnishing of the unauthorized data caused me to be denied a {$250000.00} HELOC. 
I have questions. 1. Where is Equifax getting the information regarding the bankruptcy? 2. Is Equifax paying for the public record information it includes on my consumer report? 3. Is a company selling my information to Equifax for profit or revenue? 4. Why hasn't Equifax fulfilled it's duty as a consumer reporting agency to ensure there is permissible purpose for the furnishing of the public record on my consumer report. 5. Is Equifax profiting from my public record information?
Product: Debt collection

A debt of {$10000.00} has been posted on my credit report linked to a Saks Fifth Avenue Capital One account. I worked for Saks Fifth Avenue for 3 months in XXXX and had opened a charge card. I used it while employed there. Upon leaving the company I received a letter from Saks asking if I would like to keep my account active. I accepted. I never used my card. My last statement dated XX/XX/XXXX to XX/XX/XXXX showed a XXXX balance and a credit limit of {$4000.00}. 
I have not received any statements from Saks Fifth Avenue since then and had no knowledge of any activity on my account until a negative remark showed up on my credit report.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 I have reached out to have negative remarks removed from my credit report. There is a remark on my credit reports showing from XXXX, XXXX XXXX, and XXXX. I need these negative remarks moved showing Bankruptcy XXXX XXXX that is noted on these accounts. There isn't a bankruptcy reported on my credit report. I called in to the credit bureau today XX/XX/2023 letting them know that it needs to be removed and I was informed that the courts do not report to the credit bureau nor should the bankruptcy be listed on my credit report.
Product: Debt collection

i took out a home equity line in XXXX and paid off some credit cards, now after ten years, a debt collection attorney has put a lien on my property of over XXXX {$8000.00} and when I asked for proof that my payment in XXXX was applied to my debt, they refuse to provide me with the proof!! they sent me useless statement of charges, interest, from XXXX tpo XXXX which does not help me in the least. I assert that this outstanding balance for which the debt collector has placed a lien on my home was paid in full over ten years ago! XXXX!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting agency, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

Avante USA, XXXX XXXX XXXX has violated my rights. 

XXXX XXXX, XXXX XXXX has violated my rights. 

XXXX XXXX XXXX, XXXX has violated my rights. 

XXXX XXXX XXXX, XXXX has violated my rights. 

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

15 U.S.C. 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 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.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>... I sent cryptocurrency ( XXXX ) to my coinbase account from my coinbase wallet ( in the amount of {$120.00} ) and was notified on screen that it would be processed within 24-48 hours. I've been waiting since. I paid all fees and still can't touch my money. The status has been reading as " pending '' ever since. I am convinced that my money will not be recovered as I can not reach a human being when trying to get this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed credit inquiries on my credit report caused as a result of true name identity theft, Equifax has failed to delete or investigate the inquiries.     I have attached a copy of the police report for identity theft.     The inquiries I am disputing are :  XXXX   XXXX  -  XX/XX/17    ( ID THEFT )  XXXX  -  XX/XX/17    ( ID THEFT )  XXXX   XXXX   XXXX  -  XX/XX/17    ( ID THEFT )  XXXX   XX/XX/17    ( ID THEFT )
Product: Mortgage

I have been working with Bank of America to do a loan moodification to save my home from foreclosure for almost a year. I have submitted documents over and over to them, via XXXX and they claim to not have received them even though I have sent them in envelopes with lables supplied by BofA and have tracked them and showed they have been delivered to BofA. As of today they said they are moving forward with foreclosure because they said they have not received documents that I have proof via the XXXX tracking label that where received by them. It seems as though they are doing everything to keep me from getting a modification. I have a foreclosure sale date of XXXX/XXXX/2015 and I am not getting any where with BofA. I need help.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain information that I believe is inaccurate on my credit report. I have reviewed my report from your agency, and I have identified the following information that is incorrect National credit system The date that is open is incorrect Im disputing this because the information is incorrect and need it removed immediately to purchase an home I have attached supporting documents to assist in the investigation Please conduct a thorough investigation and correct or remove the inaccurate information as soon as possible. Under the Fair Credit Reporting Act, I request that this dispute be resolved within 30 days and that I be informed of the outcome in writing If you need any further information from me to facilitate your investigation, please feel free to contact me. Thank you for your attention to this matter. I look forward to your prompt response
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Urgent Request for Assistance Regarding Fraudulent Entries on My Credit File Consumer Financial Protection Bureau, I hope this message finds you well. I am writing to you with a matter of utmost urgency that requires your intervention and expertise. It has come to my attention that my credit file contains negative entries resulting from fraudulent activities. I am reaching out to seek your assistance in rectifying this situation and ensuring that my credit report accurately reflects my financial history. 

These fraudulent items have significantly impacted my credit score and financial standing, causing immense stress and hindering my ability to make important life decisions. In particular, I am currently in the process of purchasing a home, and these erroneous entries are proving to be a substantial obstacle in securing a favorable mortgage rate. 

I am aware of the Fair Credit Reporting Act ( FCRA ) and its provisions for addressing inaccuracies and fraudulent information on credit reports. As a consumer, I have the right to dispute these items and request their removal from my credit file. However, despite my efforts, I have encountered difficulties in navigating this process on my own. 

Given the complexity of the situation and the urgency of my need, I kindly request your involvement in escalating this matter to the relevant credit reporting agencies. Your expertise and intervention can significantly expedite the process and ensure that my credit report is accurate and fair. 

I am also seeking your guidance on involving the Consumer Financial Protection Bureau ( CFPB ) in addressing this issue. I believe that their oversight and involvement will provide an added layer of assurance that my case is thoroughly reviewed and resolved. 

I understand that your office has a commendable track record of advocating for consumers ' rights and rectifying credit reporting discrepancies. Your assistance in this matter would not only alleviate the immediate challenges I am facing but also contribute to upholding the integrity of the credit reporting system for all consumers. 

I have attached relevant documentation ( identity theft affidavit and police report ) that supports my claim of fraudulent activities affecting my credit report. I am more than willing to provide any additional information or undertake any necessary steps to facilitate this process. Your prompt attention to this matter would be deeply appreciated. 

Thank you for your time and consideration. I eagerly await your response and guidance on the next steps to rectify this distressing situation. Please feel free to contact me at [ your contact information ] at your earliest convenience.
Product: Checking or savings account

On the date of XX/XX/XXXX  I was approved for a provisional credit ATM claim of {$200.00}, this process involved me filing an ATM claim a week prior, but on the same day it happened, which is that I counted the money three times over and had the exact amount written down, but after depositing the amount I realized it was {$200.00} short and was shocked because since this ATM can not handle more than 20 items at once I figured it would hand me back the money or send me a text of the deposited amount afterwards but neither of which took place, so I took action and called the claims department at wells fargo stating there has been an error with their machine and that there were multiple previous complaints on this machine from neighbors and this was my first time experiencing trouble that involved it not counting money correctly, I was promptly informed that they would investigate and handed me a provisional claim of {$200.00}, at first this kept me satisfied and happy with the service, but not even 2 months later they had did a reversal without informing me as to why such action was done. I later called that day and asked them to provide me with documentation for proof to why the claim was allowed to be closed and reversed. Before this reversal even took place the ATM machine was promptly replaced shortly after my ATM claim was given, giving me comfort that these troubles would not occur again for me or anyone making a deposit, but after explaining this to the operator and my concerns she was rude and said there was nothing to be done and the ATM machine being replaced was a mere coincidence, hearing this short response in a resentful tone was highly unprofessional of her and her overall demeanor was still rash in further stating that there was proof already sent out to me. It has been well over one month with no proof received, so I reached out to my neighbor who suggested I file a complaint with CFPB and get this sorted out since the bank departments are reckless in talking with clients who have been a customer with them for a number of years.
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : 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 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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to all three credit bureaus about XXXX fXXXX acct XXXX It is reporting inaccurate information because it is a collections account and it is showing past due. A collection/debt buyer account can not show past due because they bought the account from another company. That is inaccurate and per 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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.
Product: Debt collection

This collection reported on my credit report needs to be removed off of my credit report as soon as possible. The company has failed to comply with contacting me back. The date of this opened account is XX/XX/2020, and the amount is {$330.00}. Also, for each bureau it is reflecting a different date on my report. This is grounds to have it removed as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received a call from XXXX on Tuesday XXXX XXXX, XXXX regarding the account the motorcycle loan is listed under and he mentioned that the funds were never received. I requested a full audit transaction and XXXX to prove that XXXX never received it and I was told they 're not obligated to do that. In addition I 've mailed off a certified mail letter of validating that the debt is in fact true and I have yet to receive any real time source stating so.
Product: Credit reporting

I have disputed collection information reported by XXXX XXXX on behalf of XXXX. I have disputed the collection account XXXX with TransUnion, XXXX, and XXXX. I do not believe the investigation is properly being executed. It seems like the credit bureaus are working for the collection agency and agree with the electronic response received from XXXX XXXX on behalf of XXXX. The account remain on my credit report, but I do not have a reason why the account remain when XXXX shows I do not owe them and the balance was resolved. Transunion die not report XXXX XXXX on my credit report in XX/XX/XXXX, but soon as I disputed the item it was added to my credit report in XX/XX/XXXX and the investigation with XXXX XXXX has not been resolved.
Product: Debt collection

The Issue Im having with this company is I want pay it on a but every time Ive called the phone number that was given to me for this company, they have not answered my call and since Ive even left messages they have not replied so I came to the Idea of filling out a complain to see what can be done with this inconvenience. 

I am trying to settle the balance because Im going through a hard situation and I am sinking into debt because me and my husband both lost our jobs, he has currently found one but hes not getting full time and we do not know if it would get better or worse, maybe he could get called to get informed that they dont need him no more by how we see that the job is going these days but we are still trying to do the right thing but this company just won't take the call or neither contact me in regards of the balance that I owe them.