23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I applied for a home equity loan from US Bank on XX/XX/XXXX on my primary residence at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I provided all of the documentation and received a written confirmation based on DTI that i qualified for {$280000.00} pending the appraisal. Although I believe US Bank eventually denied my home equity loan in order to " steer '' me to refinance my primary loan at a higher more profitable rate for them, I'm not filing a complaint about that at this time. I am filing a complaint regarding the appraiser used by US Bank and the appraisal process in general. As you can see, I've filed a previous complaint a few years ago regarding the appraisal process. They've now exhibited a trend in how they instruct their appraisers to appraise properties or they are using incompetent appraisers. It would seem that you now have two appraisers doing the same thing that it's likely the instructions given to the appraisers by US Bank. Both appraisers two years apart came in 6.5 % below the market value ( {>= $1,000,000} versus market value of {>= $1,000,000} for this current one ; {>= $1,000,000} versus market value of {>= $1,000,000} two years ago ) of the property which seems odd that the percentage would be the same. The appraiser two years ago left off a room with enough square footage to come in at the value the bank wanted. I didn't realize it until i went back and looked at it. This appraiser used comps from a different zip code in an area that had houses built prior to the 1994 XXXX earthquake in order to bring the value in at what the bank wanted to lend. Either the bank is instructing the appraisers or they are incompetent.
Product: Credit reporting or other personal consumer reports

On my account ending in XXXX XXXX XXXX XXXXXXXX there are numerous XXXX charges. That have not been removed from my account yet because of that it shows that Im past due when Im not the XXXX charges need to be investigated. There were also XXXX  and XXXX accrued illegally during the investigation Period
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX XXXXBalance Owed : {$660.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXXBalance Owed : {$350000.00} ; XXXX  XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX and TransUnion credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance : {$170.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute to Trans Union LLC on XXXX XXXX. It was sent by Certified mail with a return receipt. It was stamped as received by Trans Union LLC on XXXX XXXX. I have still yet to receive a response to my dispute. I feel like my rights under the FCRA have been violated due to their disregard for federal law.
Product: Debt collection

I contacted MRS BPO LLC about an account they put on my credit report without even contacting me about the account which is a fraud account from XXXX when they said I opened an account with them XXXX of this year when I havent had XXXX. I talk to someone from the company, and they even said it was something not right about the account and something didnt add up so he disputed on his end, and I never received anything from them about the dispute so I disputed though the credit report agency, and they wont remove this fraud account that wasnt open by me when they even said it was something not right about the account themselves.
Product: Credit card or prepaid card

I submitted my compain to your Buiro.Investigation was close.Today I spoke with Capital one at first and ask to talk with supervisor of Neiman Marcus.When I ask about dispute when transferred me to wrong department and finally hang up the phone again.They send the negative report, but this is unlawful because they dont want to take care of my account.Finally she gave wrong department.They ask me about survey.
Product: Credit reporting, credit repair services, 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. 

1. Account : XXXX XXXX XXXX Serviced By XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX. Account : XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 604. Section 2 : It also states a consumer reporting agency can not furnish a 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 in accurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. 2003 ) I have not initiated any transaction with XXXX XXXX XXXX XXXX Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXX XXXX for review or collection. 

Pursuant to 15 U.S.C. 1681XXXX ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. 


By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 


Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX Best regards, XXXX XXXX
Product: Credit card or prepaid card

See the attached documents. I request the bureau to initiate an investigation into the accounts mentioned, as they are incorrectly reporting me as late despite my consistent on-time payments.
Product: Money transfer, virtual currency, or money service

I sell stuff on XXXX through my own company XXXX XXXX, XXXX. I use PayPal as payment processor. PayPal charge back my account for an amount of {$1200.00} for an item I sold on XXXX on XX/XX/2018. The customer who bought this item from me filed a complaint with his credit card company and asked for a refund on XX/XX/2018. According to an email I received from PayPal, they told me that the customer claims that the item he received wasn't as described, which was so strange claim cause the customer waited 4 months to file such a claim and he is saying that item is not as described!!!. I replied to the email I received from PayPal and told them that it doesn't make sense that the customer claims that item not as described after 4 months. PayPal told me in another email that they will try to dispute the case with the customer 's credit card company. However, a few weeks later I received another email from PayPal saying that they couldn't dispute the case with the customer 's credit card company and now they refunded the money to him, and my PayPal account is now overdawn by the amount of {$1200.00}. I emailed PayPal asking them to investigate this case again cause I believe the customer is scaming me. First, since PayPal already refunded the customer, I beleive I should receive my item back from the customer, but I contacted to customer and he is not responding to my emails. I also found the the customer who bought the item from me, now he is selling the same item as used item on his XXXX seller account. So, that customer got his refund, didn't return the item to me, and my PayPal account is negative with amount of {$1200.00}. PayPal also sent my account to a collection agency which I received a ltter from them few days ago. I tried to speak on the phone with anyone from PayPal but I am not able to reach anyone over the phone. I sent PayPal several emails to their complaint department stating all the facts and asking them to at least to get my item back from the customer or bring my money back to my PayPal account, but PayPal never replied back to my emails. The PayPal case is ( Case ID : XXXX ). The customer 's name is : XXXX XXXX and his email is : XXXX. I would like the FTC to get involved in this case cause I feel that PayPal is not responding to my complaint and the least they can do is to force the customer to return the item back to me since they refunded him the money. Sorry for the long email and hope to get response from you soon. XXXX XXXX
Product: Checking or savings account

In XX/XX/2017 i was informed my wells fargo account was closed. I didnt think anything of it and I accidently left my debit card at house i had been living at with some roomates. The roomates knew my pin. Apperently my tax returns from that year were deposited into the account becasue the account wss actually not closed. The roomates theb spent my entire rax return and over drew my account. I was not infromed of any of this till 6 months later i get a call from a debt collector. I then call wells fargo and was told my account was XXXX $ and had been closed. I told them that my card had been closed and they informed me of the tax returns being deposited but they couldnt see what it was spent it on or how my account was overdrawn, that i would have to go to bank to get myblast transactions pulled up.The bank did not help me at all. I then tried to search for my debit card abd could not find it. I tried to contact my previous roomates but they seemed to have disappeared and moved from the house that we all lived at.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of fraud. A scam likely number called my phone informing me that I was approved for a loan and proceeded to get my information under false pretenses.The opened fraudulent accounts for XXXX XXXX, XXXX, and XXXX using a fraudulent address which I have never lived at. I have made numerous attempts to contact the company. XXXX XXXXXXXX, XXXX, and XXXX have not been able to verify the information according to the law and XXXX, experian, and XXXX have not deleted the unverified and fraudulent accounts off of my credit report. A fair resolution would be to have these fraudulent accounts deleted off my credit report permanently.
Product: Mortgage

XXXX XXXX of XXXX  my mortgage reported late because my payment my short. My payment was short by less than XXXX. I live abroad and was not aware that my payment had changed. I have diligently paid my mortgage on time after a period of terrible financial struggles. Because my payment was accepted I feel that reporting my payment as not paid at all is an error. I faxed the company to ask for the information to be removed and they declined.
Product: Debt collection

My self and my wife told the collection company that we are not going to pay this debt because the company we got the original loan from Charged the loan off. I went through medical issues and could not work anymore. The company is : Credit Cop Solutions , Inc. DBA Tasman Credit Corp XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX E-mail : XXXX Phone : XXXX XXXX XXXXXXXX Reference # XXXX XXXXXXXX Amount {$27000.00} We would like you to inform them of 15 USC 1692 ( c ) and to cease contact immediately.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

There was a fraudulent charge on my Key Bank Credit Card on XX/XX/2019. I notified the Key Bank the morning of XX/XX/2019 that this was a fraudulent charge of {$1600.00}, less than 8 hours after it was posted to my account. Key Bank informed me that I did not need to do anything else and they would notify XXXX since it was an online order. XXXX XXXX   continued shipment which was rerouted to a XXXX facility and picked up by someone who said they were me. 

I have been denied recovery from this charge by Key Bank because the initial shipment was to my house, which was changed by the thief who ordered using my information. All of this information was not relayed to me until 65 days after the product was ordered so I had no way to stop shipment or notify XXXX to cancel the order. 

Not only did Key Bank fail to protect my assets they essentially enabled this crime to happen by not acting in a fast an efficient manner, and further more have burdened me with this charge because of their lack of action.
Product: Mortgage

On XX/XX/XXXX, I noticed that my app was stating that I owed {$1900.00} however, my full mortgage payment already came out on XX/XX/XXXX for the amount of {$1900.00}, which was my monthly payment. 
Over the course of 17 months that I have had my mortgage my monthly payment has changed three times. According to the company it was because they were doing an escrow analysis. 
When we got our loan in XX/XX/XXXX, we got a 2-1 buy down ; which means for the first 12 months you get 2 % lower than your interest rate, than the second 12 months you receive 1 % lower than your interest rate. 
Then XX/XX/XXXX, apparently because we were unaware, our mortgage got sold to a partnering company. According to one of the representatives we were late {$36000.00}. According to another representative, we just straight owed the money because we were late. I spoke with two supervisors, both of them stated they would get back to me and neither did. Mind you, I told them multiple times, that I will provide bank statements, showing that we were never late and we have always been on auto draft. 
Fast-forward to XXXX XXXX I found out that we owed money. I spoke on the phone for three weeks with five different representatives and three different managers. The two managers never got back to me like they stated they would. And I spoke with the third manager on XX/XX/XXXX. He stated that if I dont pay it by XX/XX/XXXX, it will be docked on my credit report. He explained it, but did not provide documentation. 
The explanation this manager gave me was that they messed up on the interest rate for the last seven months, assuming since XXXX when they receive the loan, so I would have to make up the difference. I was very angry at this point to be honest because Ive been on and off the phone for the last three weeks and not getting any answers. Then when I do get an answer, I owe you the money regardless?! he proceeded to say that I owed the money and if I didnt pay it by XX/XX/XXXX, it will go on my credit. I proceeded to tell him that Im not paying for something that was not my fault and that was yalls screwup! 
At this point, I have to pay it so that it doesnt go on my credit report until I get answers.
Product: Debt collection

This complaint involves the property at XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX foreclosed via a sheriffs sale on the property. They foreclosed without a recorded vote or resolution appearing the board minutes as required by statute in Colorado. 
They acquired title to the property on XX/XX/XXXX. A deed of trust remained on the property tied to the property the borrrower is XXXX XXXX XXXX. On XX/XX/2018 they sold the property to XXXX XXXX via quit claim deed and transferred all of their rights in the property. On XX/XX/2018 XXXX XXXX XXXX XXXX contacted the XXXX County Public trustee and the attorney representing the previously mentioned deed of trust and disclosed to both parties they were the titled owner of the property. They requested a revised intent to cure and an extension of the sale date so they could have an opportunity to cure the delinquent amount. They continued to correspond with the Public trustees office and XXXX and XXXX as if they were the owners even though they sold it on XX/XX/XXXX. This fraud enabled XXXX XXXX to show up on XX/XX/XXXX and cure the delinquency for {$29000.00} which he didn't have a legal right to do. The public trustee assumed XXXX XXXX was the HOA and allowed it to happen. Collusion and fraud have occurred at the expense of the homeowner, XXXX XXXX XXXX, XXXX County Public trustees office, and the citizens of XXXX XXXX.
Product: Credit reporting or other personal consumer reports

TransUnion XXXX XXXX XXXX XXXX XXXX XXXX Violation of FCRA 611, Debt Collection Harassment, and Sharing of Information with XXXX XXXX XXXX XXXX to 15 U.S.C. Sections 1692d, 1692i, and 1692c Dear Transunion, I am writing to address a matter of significant concern regarding the accounts that I have reported as fraudulent to the Federal Trade Commission ( FTC ) and subsequently requested investigation under FCRA 611 ( 15 U.S.C. 1681I ). It has come to my attention that there are discrepancies in the handling of these accounts, which directly violate the rights guaranteed under this section of the Fair Credit Reporting Act.

Not only has there been a failure to comply with FCRA 611 in rectifying these accounts, but I have also noted the absence of any proof of verified accounts in the documentation provided. The utilization of the e-OSCAR system, without providing tangible evidence or verification of the reported accounts, raises further concerns regarding the legitimacy and accuracy of the reported information. 



Additionally, I am deeply troubled by the actions of debt collectors associated with XXXX XXXX XXXX XXXX, who have been incessantly contacting me using my current information, amounting to approximately 15 calls daily. This relentless and harassing behavior violates the protections afforded to consumers under 15 U.S.C. Sections 1692d, 1692i, and 1692c of the Fair Debt Collection Practices Act ( FDCPA ). 



Moreover, it has come to my attention that the information shared through credit bureaus like Transunion has potentially facilitated this harassment by providing my current contact details to debt collectors. Such sharing of inaccurate or unverified information with XXXX XXXX XXXX XXXX, leading to their persistent and unwarranted contacts, is in direct contradiction to the requirements outlined in 15 U.S.C. Section 1681, which mandates accurate reporting by credit bureaus to prevent the dissemination of misleading or false data to debt collectors.

As per FCRA guidelines and the FDCPA, I am formally requesting : Immediate rectification and removal of the reported fraudulent accounts. 

Tangible proof or verification of these accounts within five ( 5 ) days of your receipt of this correspondence. 

Cease and desist of any sharing of inaccurate or unverified information with XXXX XXXX XXXX XXXX. 

Immediate cessation of harassing calls by their associated debt collectors in line with FDCPA provisions. 



Please be advised that persistent contacts from XXXX XXXX XXXX XXXX based on false or unverified information reported through XXXX may result in a violation of FCRA codes, potentially leading to an immediate payout of up to {$1000.00} due to contacting me on accounts deemed fraudulent. 



I urgently request your prompt attention to these matters and expect a comprehensive and lawful resolution as per the guidelines outlined in the FCRA and FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a XXXX XXXX Bankruptcy from XX/XX/2018 reporting on my Credit report which is fraud ; because I have an letter from the United states Bankruptcy Court stating that they do not provide information regarding case filings or disposition to the credit reporting agencies. Also the United States Bankruptcy court states in the letter that it does not have a relationship with the credit reporting agencies. Also you can contact the United states bankruptcy court at ( XXXX ) XXXX. The United States Bankruptcy Court 's information is in the letter that i provided. 


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 acount without my written instructions
Product: Credit card or prepaid card

Hi, I sent a certified letter to XXXX  Credit Reporting Agency on XX/XX/XXXX explaining to them how I was declined credit once I recently learned that an old credit account was placed back on my credit file. I disputed the fraudulent account with Navy FCU for {$9400.00} back in XXXX which was deleted by XXXX  on XX/XX/XXXX after further investigation. I was not notified by XXXX  in writing nor by any other means available to the agency within the five day period after the reinsertion. I have attached a copy of the letter sent to XXXX  dated XX/XX/XXXX as well as the deletion that took place with XXXX  back in XXXX.
Product: Credit card

The credit card was opened fraudulently by unknown parties who also opened fraudulent bank accounts and other credit card accounts using my personal information and redirected my mail to another address or stole the mail from my box which was a far distance from my house. XXXX XXXX  refuses to accept these facts and continues to claim I owed them money and failed to pay.