23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/XXXX, my wife and I purchased XXXX XXXX XXXX at in XXXX Ca, and I worked with XXXX from US Bank to obtain a lot loan. XXXX with XXXX XXXX XXXX performed the appraisal of my property for U.S. Bank. After the appraisal results were obtained I disagreed with XXXX findings and expressed my feelings to XXXX and US Bank via telephone. I told XXXX with US Bank that I did n't want to conduct business with XXXX or XXXX XXXX XXXX in the future. XXXX said XXXX would not be conducting future appraisals on my property. 

In the beginning of XX/XX/XXXX I applied for a new construction loan from US Bank for my property. I provided the new construction documents and building plans to US Bank and once again my documents and lot were appraised by XXXX XXXX against my wishes. I submitted a complaint to US Bank representative XXXX XXXX advising that I had a conflict with using XXXX XXXX as an XXXX and did not agree with his conclusion. My complaint was never resolved and US Bank proceeded with XXXX XXXX 's appraisal. 

On or about XX/XX/XXXX, I worked with US Bank to consolidate my new construction and lot loan for my property. Once again my property was submitted to be appraised by XXXX XXXX against my wishes. I spoke to XXXX and XXXX with US Bank on the telephone and via email to reiterate my disappointment with them using XXXX XXXX for my appraisal. I specifically told them that there was a conflict with using XXXX as an XXXX because I was already disputing the last appraisal that XXXX XXXX submitted. Initially XXXX said he would have another company conduct the appraisal and suggested that I work with XXXX of US Bank to resolve my appraisal dispute. I explain my dispute with XXXX and he stated that he spoke XXXX about my conflict and also agreed to have another company perform my appraisal. After several weeks of working with XXXX and XXXX they both later recanted their statements saying they were not allowed to move forward with another appraisal company. 

XX/XX/XXXX, I worked with XXXX to apply for a home equity line of credit with US Bank. On XXXX I received a call from a representative from XXXX XXXX XXXX, asking, " When would it be a good time to have XXXX appraise your residence ''. I stated to the representative that I did not require their services. Once again I contacted XXXX and told him that that XXXX was recommended by US Bank to appraise my residence. I told XXXX that I was submitting a formal complaint and XXXX asked me to send him an email and he would resolve this issue and have another company complete the appraisal. XXXX subsequently scheduled another company which is now scheduled to complete the appraisal XX/XX/XXXX 

Please explain how XXXX XXXX can legally get the business to appraise the same property XXXX times in a XXXX year period? Please explain why this is not a conflict of interest. So much for a " XXXX pick of appraisers '' from banking industries.
Product: Debt collection

Midland Credit, who informed me they were acting as agent for XXXX XXXX, settled an outstanding debt for less than the amount owed. The settlement was paid in two ACH installments, External Withdrawal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 and External Withdrawal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 for XXXX each. They have not removed this information or adjusted to show it is settled although XXXX XXXX  has updated their records. I received notification from XXXX XXXX, XXXX XXXX, that this collection account balance has increased, although how this can be eludes me. I have tried to file formal disputes on this company for erroneous reporting through the credit bureaus and was only told they met FCRA standards.
Product: Mortgage

PHH Mortgage is refusing to respond to our request for the payoff statement to our current loan. The original loan was only under our father 's name and he passed away few years ago. The title of the property has been under my parents, myself and my wife for the last 15 years. After my father passed away, the title ownership continued to remain to 3 of us due the the joint tenancy in the title. Our loan officer originally requested the payoff from PHH on XX/XX/2021 which included the following documents. 

Full appraisal of property due to PHH demand for an appraisal Death certificate of our father, XXXX XXXX XXXX XXXX of me and my wife Written Certification and authorization form signed by us to request the payoff Title records showing legal proof of ownership of the property It took PHH mortgage 's XXXX department 3 weeks to confirm that the title records show sufficient proof that we are the legal owners of the property. After that they claimed that it would take 4 business days to receive the payoff statement. Today we received another email from PHH that we do not have sufficient authorization to request the payoff starting the process all over again. We are not sure whether they are doing this on purpose or that they are that incompetent. All we know is we have wasted our time and our loan officer has advised us that it would cost us additional {$1600.00} in fee to extend our lock for the refinance if we can not receive the payoff statement immediately.
Product: Debt collection

Wells Fargo is trying to collect almost {$100.00} from me every month. I usually pay {$53.00} per month. Why is the minumium balance almost tripled? I am able to pay the usual {$53.00}? I rarely go over my limit.
Product: Credit reporting or other personal consumer reports

American Express has denied me because of FALSE INFORMATION claiming to be on MY credit report. Stating that I do not have any credit history, that I am delinquent on more than XXXX account, too few accounts paid as agreed. This information is not true. I have been with XXXX services for over XXXX years never missed a phone payment never was late, I owe no debts, I have no credit cards.
Product: Money transfer, virtual currency, or money service

I'm filing this claim against Cashapp ( block in ) due to inadequate customer service and unfair practice which violence the consumer financial protection Act ( CFPA ) specifically cashapp failed to take timely and effiective to prevent address fraud on their platforms leaving my account Vulnerable and unprotected furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer Act ( EFTA ) and regulations E and i seek appropriate redress these issue
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX my card information was stolen so,3 transactions went through and I was approved one of them back.the 3 transactions that went through was {$54.00} {$16.00} and {$14.00} so if I get text messages saying dont go through with them transaction they still did. They all happened around XXXX XXXX  and I was trying make a purchase for my goods so if I say yes to something then within a hr they dont update on nothing nomore I never said yes to going through with these transactions.they have rightfully approved the {$14.00} and I provided the same proof from both the other transactions and it keep getting denied and they didnt sent me a message about the {$16.00} coming in chime just took itXXXXThey havent sent me the documents I requested or nothing they isnt doing they matter right.representative said it will return back then they denied the money and took it still.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX are reporting 4 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX and XXXX since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXXXXXX 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 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 then records of convictions of crimes which antedates the report by more then 7 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: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting this CFPB Complaint to you today to follow up the previous CFPB Complaint I submitted to the Credit Reporting Agencies requesting that the Credit Bureaus remove the disputed fraudulent accounts and information completely from my Credit File. On XX/XX/XXXX, I sent a disputed letter to each of the Credit Reporting Agencies with complete attachments of my personal information and the ID THEFT REPORT I received from the FTC for reporting the fraudulent accounts and information reporting on my Credit File. I have read that under the Fair Credit Reporting act section 605b, the Credit Reporting Agencies are required to remove any accounts and information that resulted due to identity theft within the time allowed by law. Right now, I am expecting that the Credit Bureaus will comply with the federal law and have the disputed items removed from my Credit File. Here is the list of accounts that should be removed in accordance with the Fair Credit reporting Act section XXXX : XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$770.00}. If the Credit Bureaus believe that the disputed accounts belong to me, I am requesting the Credit bureaus that they send me copies of proof of verification or any documents bearing my signature to support the Credit Bureaus ' claims. In the event that the Credit Bureaus can not provide me copies of documents I seek, please delete the disputed accounts completely from my Credit File.
Product: Debt collection

XX/XX/2021 I called and made a payment on my delinquent account and set up auto pay for that same amount of {$79.00} to be charged on XX/XX/2021. I made a phone call when I noticed the auto deduct had not been taken from my account and was told it was approved and due to deduct {$79.00} from my bank account. Today XX/XX/XXXX my bank account shows {$350.00} deducted. They have repeatedly told me there is nothing that they can do other than send me a check for the difference in the next 7-15 business days. I told them I lost my job due to covid and was struggling and this is why my payment was approved for less than my minimum. Now both my checking and savings account are negative and Im hit with an additional {$30.00} overdraft fee on each account. I dont get paid for another 5 days and I was supposed to grocery shop today. I have to pay a babysitter so I can even make it to work. They said its not their fault and to call collections after being on the phone with 5-6 different people in the 2 hours of being on the phone and they are submitting a request for a supervisor to call me back. All in the meanwhile between my XX/XX/XXXX payment and auto pay set up, I have been emailed 3 times and have had calls and voicemails every single day regarding this debt. Anytime I pick up the phone and speak with someone trying to collect debts that are paid and on auto pay they look up the information and see that they have no reason to be calling, but yet I still get a phone call every single day.
Product: Debt collection

The institution in question mailed me a bill for {$56.00} after my visit which I had pay my co-pay. The statement had no due date and was payable by check, on XX/XX/2016 I paid the balance in full. Then on XX/XX/2016 after the balance was paid in full the institutions sent me to collections ; which now reflects a collection case on my credit report.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to formally dispute inaccuracies in my credit report and to seek compensation from Experian for repeated violations of the Fair Credit Reporting Act ( FCRA ). My concerns are further supported by the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ), which highlights Experians failure to adequately investigate consumer disputes and its improper reinsertion of inaccurate information into consumer reports. 

The following inaccuracies in my credit report require immediate correction or removal : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I purchased a car. My credit has always been in the high 700 's and low 800 's but at the time I purchased the car my credit rating was XXXX. All of the reports on my credit history was accurate, I have about a 7 % utilization rate, 4.5 year old credit history and except for a payment my son missed years of perfect payments. My income stream has not changed so nothing accounts for the nearly 200 point reduction in my credit. When I called TransUnion I was told to contact the individual company that wrongfully reported credit, however, all of the credit reports were accurate. All of the factors that existed when I had a XXXX  credit rating are still there but my rating was XXXX. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with XXXX concerning a credit dispute. They did a wonderful job of filing my dispute ( s ) and gettting them removed from my account. However i checked my credit file and as of XX/XX/XXXX, by credit score took a nose dive from XXXX to under 530. My score dropped by 121 points. I couldnt understand why my credit score would drop by 121 points after negative items were deleted. 
Again, positive items were NOT removed but negative items, which means my score should have went up substantially. When I talked to the Customer Service Rep at XXXX they told me that my score possibly dropped because of the " activity on my account '', in particular, I was told that when XXXX went in to remove the unlawful inquiries and did the " dark web '' monitoring, that all this monitoring may have resulted in my score dropping my 121 points??? 

The rep then asked me if I wanted to continue credit monitoring and I cancelled. I told them I dont understand how my account being monitored for suspcious activity would result in my credit score dropping? 

Could you please investigate why my score dropped my more than 121 points with NO positive accounts being deleted and only negative accounts. 

Again, I can I see if positive accounts were deleted however they were not, it was ONLY negative accounts, which means my score should have went up and not down.. 

Lastly, I was told my the rep that there computers/alogirithm is responsible for info and he doesnt understand why my score dropped as well. 

Because of this drop in score, my recent XXXX Loan Application  may be in jeopardy, along with other XXXX  interests.
Product: Credit reporting, credit repair services, or other personal consumer reports

When attempting to submit a dispute by clicking on Experian 's Icon start a dispute online, I was directed to a page " Page not found '' https : //www.experian.com/XXXX https : //www.experian.comXXXX XXXX  Therefore Experian is blocking my ability to file a dispute with them.
Product: Credit card

On XXXX XXXX I got a phone call from ADP bank services asking about recent transactions on my card, I heard on the recording there was a transaction from an ATM withdrawal, the more I thought about it I was like I have n't been to an ATM recently with that card, when I called to check the balance there was nothing but XXXX dollars left on the card. I called ADP and they told me there was three transactions made on that card that morning at a XXXX bank I had never been to, withdrawing XXXX dollars XXXX times. I was in XXXX XXXX which is a good hour away with the card present in MY POSSESSION. I had the card with me the whole time, and no one else has the pin. I filed a dispute and a police report right away. I had used that card with the PIN a few days earlier at a gas pump, my guess is that the card number and pin were scanned there. I waited 10 days for the company to tell me I 'm not getting my hard-earned money back, the representative told me there was no failed PIN attempts. But yet they did n't inform me about all the failed transactions that person had, until after I asked. I argued that I physically had the card with me and if they could look up the camera they could see it was n't me or my bright red ADP card, he said there WAS NOTHING i could do, and there was no way to appeal, and said I could n't send in my police report.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I first notified the credit bureaus XXXX, XXXX  and transunion of fraudulent accounts I noticed reporting on my profile. I have sent 3 certified letters asking the credit bureau 's to remove unauthorized accounts from my credit report. They responded with the accounts had been verified but refuse to tell me how they verified the accounts. They refuse to send any contact information of who they spoke with to verify these accounts. I have an active police report, identity theft report with the IRS and froze my credit profile. I sent the final certified letter on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I hope you're well. Im writing because Ive come across an inquiry on my credit report that I did not authorize. This inquiry has no permissible purpose, and I believe it was made in error or without my consent.
Product: Money transfer, virtual currency, or money service

Money was taken without access or reason and never given why or where it went.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, 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 an account without written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I have been trying since XXXX of XXXX to get EQUIFAX TO REMOVE INQUIRIES THAT I DID NOT AUTHORIZE!!!! I have explained to them that my home was broken into in XX/XX/XXXXwhere my license and social security was stolen. In XXXX after I XXXX both my parents the mailbox was broken into causing me to have to get a post office box. By then all my information was being used to open fraudulent accounts. XXXX XXXX was a bank I was using and my info was compromised with them also. Equifax has sent a letter telling me the inquiries were factual. YES THEY ARE FACTUAL BECAUSE OF MY INFORMATION HOWEVER I DID NOT AUTHORIZE!!! They even went so far as to tell me about an email address that I have not been able to use in years because a cellphone was stolen with my passwords. They changed it and have access to everything. I did fraud alert when it happened. 
I went through each one telling them the ones that were mine and still no help.
Product: Payday loan, title loan, or personal loan

Apply for a loan to payoff website and was denied tried to delete account or removed account and couldnt. Did a chat to ask to have account removed and was given XXXX about keeping my information and my account open for 25 months they used this law to say why they had to keep it open Regulation B is a regulation intended to prevent applicants from being discriminated against in any aspect of a credit transaction. Regulation B outlines the rules that lenders must adhere to when obtaining and processing credit information.XX/XX/XXXX. Come to find out that the parent company is Happy Money. You go on their web site and look up their account and no where does it state it keeps the information for 25 months. Now the reason why they keep it open is to sell or give my information and or to send me information to apply for loans and or third party company. I dont want nor do I want anything do with them or their parents company or any company that has to do with them. I just wanted my account and information removed. Now I have to deal with calls, emails text message from this people and who else that they gave out my information to.
Product: Credit reporting, credit repair services, or other personal consumer reports

The vehicle was repossessed in XXXX of XXXX from a tow yard. For 6 months after that, I recieved parking tickets in the mail from them driving on my plates. Now they constantly change the status of my loan on my credit report, they agreed to close the account but mysteriously this month I recieved a " missed payment '' ding on my credit. The dates on this account are so wrong its laughable. It was taken in XXXX of XXXX, why would my last payment be in XXXX of XXXX? I've repeatedly disputed the information on this account with ZERO help. They never update the incorrect information, they just add more incorrect information. I'm at my wit 's end.