23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Issue : Wells Fargo will not assert independence to the appraiser used for a mortgage application. The Company refuses to acknowledge compliance with Appraiser Independence Requirements ( " AIR '' ) causing the original home appraisal to be invalid and unusable. 

Background : I paid for an appraisal in full through Wells Fargo- the appraisal was ordered through Fradkin and Associates ( XXXX : XXXX ) on XX/XX/2022 around XXXX and performed on the same day. The appraisal report was provided by XXXX on XX/XX/2022. 

We have requested an appraisal transfer to our new lender, XXXX XXXX XXXX ( as shown in below email ) on Monday, XX/XX/2022 and not received the full documents necessary by Wednesday, XX/XX/2022 ( date of this complaint ). 

As part of this transfer, the Company ( Wells Fargo ) must assert that they complied with Appraiser Independence Requirements ( " AIR '' ), however, they have repeatedly refused to assert their independence. The reasoning provided by the company is that it is against their policy to provide XXXX certifications and provided the following message : " We cant provide an XXXX or XXXX XXXX Requirements per our legal department. The reason for this is an XXXX XXXX is basically a statement that everything is correct per the other lender standards. This is not always true due to other lenders having different policies, which then holds Wells Fargo accountable for anything that needs to be done or changed to their standards. '' However, this assertion that Wells Fargo would be held liable for any prohibited practices concerning the appraisal is wholly incorrect and represents a clear misinterpretation of the regulations regarding appraisal transfers & XXXX XXXX 's. 

It's explicitly stated within both GSE 's selling guides and on the signed transfer letter itself that : " Wells Fargo expressly disclaims any representation, warrant, or certification regarding the accuracy of appraisal information or conclusions of the appraiser, compliance with XXXX or any other applicable appraisal standards, Appraisal Independence Requirements, investor requirements, government regulations, or any other applicable standard, law, or regulation. The Lender is solely and exclusively responsible for evaluation of all information within the appraisal and assumes all responsibility for any use of the appraisal. '' The verbiage above unquestionably indemnifies Wells Fargo from any adverse events regarding the appraisal, XXXX certification included. As a result, their unwillingness to provide this independence assertion has caused delays in the mortgage closing process, requiring contingency extensions, and has caused for us to pay for an additional appraisal that should be otherwise unnecessary.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

Received " Electronic Service Requested '' from " IC System '' for a dentist in another state that I have never heard of or received service from. The Company states I went to as dentist, XXXX XXXX XXXX, XXXX on XX/XX/2018. I have not been to a dentist in over 2 years. The last dentist I saw had a different name and was with a well known company. 
A person called me from XXXX which is a XXXX number. " IC System '' states they are from Minnesota, and the only dentist I can find with the name " XXXX XXXX XXXXXXXX '' is out of Maryland. 

I called XXXX, who stated they would send an itemized bill for services I never recived in the amount of {$150.00}.
Product: Mortgage

On XX/XX/2020 we experienced water damage in our kitchen and called our insurance company to file a claim. It was discovered on XX/XX/2020 that our policy was not renewed/paid out from our impound account through Lakeview Loan Servicing, our lender. After numerous calls to Lakeview, with no less than 6 reps that day, we were finally advised that they had our policy renewal date of XX/XX/2020, when in fact it expired XX/XX/2020. We asked numerous times what our options were in this case, we even paid the policy in full out of pocket that day, and were told by Lakeview that they couldn't help us, even though this is clearly their error on paperwork. All loan/escrow docs had the correct insurance renewal date, but there system states XX/XX/2020. Our agent informed us that there should be forced place coverage from the lender for situations like this, and we still have not been able to get any help from Lakeview on getting this set up. Lakeview has been by far one of the worst mortgage lenders I have dealt with, and we are no closer to resolution. We haven inoperable kitchen, fans, and dehumidifiers and zero concern from the lender that caused us to have a gap in coverage.
Product: Mortgage

The servicer was changed from XXXX XXXX XXXX to Mr. Cooper in XX/XX/2023. I am unable to login to Mr. Cooper to see any of my mortgage statements. They are claiming I have a shortage in my escrow account which increased my mortgage payment by {$120.00} a month. I called my Sr. Loan Officer whom I closed with on XX/XX/2023, she verified all escrow payments were made and the correct amount was held for taxes and insurance. There should be no shortage and Mr. Cooper is not giving me the information I need after 2.5 hours on the phone, on 2 different days, and waiting for a manager to see why in XX/XX/2023 when they did the analysis of the escrow account it was short. My taxes nor insurance has gone up.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 XXXX. XXXX  XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX / XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX  XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union  or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Checking or savings account

On the date of XX/XX/year> I opened a checking and saving account at Truist bank. The bank told me to wait the to debit card on the mail. But before I even get the card some else got the card and the bank activated the card for them. When I ask the bank they told me to get a police report and I did and they deind the claim. Now I can't open any bank account anywhere else. Please help me
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XX/XX/XXXX XXXX Account Number : XXXX
Product: Debt collection

I became behind on my Military Star Card when my XXXX got XXXX from the military and I lost my job due to being laid off in XXXX XXXX. I was notified after filing my taxes in XXXX XXXX that they would be taking all XXXX of my federal tax refund dollars. After contacting the Treasury office, they told me that the only people who can stop this is the creditor themselves. I reached out to the creditor twice trying to make arrangements as well as file for a hardship. They insisted that they could n't help or withdraw the information from the debt until its paid. Basically telling me they can and will take all the money they can. They also told me that filing for a hardship would take about 30-45 days. When i requested to speak to a supervisor i was placed on hold by XXXX different agents many times. I was given a non-working number and told to call the supervisor and leave my name and number, and they will get back to me as soon as possible within 24 hours. The number I was given for the supervisor is XXXX. I explained my hardship of not being able to pay my rent or utilities, as well as having XXXX children. They did n't care and said sorry this is your debt and we will do what is needed to collect but if you like you can set up a payment plan for the remainder of the balance after we take the refund. How am I to pay that money if I can not even pay my normal bills due to them taking my refund. 

They claim to have sent notice of the offset XX/XX/XXXX due to them saying I did n't have a payment plan in place, I never received anything or any notice to offset. And I was also on a payment plan of {$200.00} a month at the time up until XXXX XXXX when my payments fell behind and they would no longer work with me due to my job laying me off XX/XX/XXXX. 

After contacting this company repeatedly, and them either hanging up on me or giving me false information as to whom i can contact to help me resolve this issue. I am coming here for help. I was basically told after weeks and weeks of trying to contact this company that they will not give any part of the refund of XXXX that they took from my taxes even if I am in a hardship. They claim that the hardship would only help pay the remaining balance after they collected all of my refund that I desperately need to keep my family a float. After lying to me and telling me that they would help and do what they could after speaking to the higher ups they avoided my calls and when I did finally get a hold of them they claimed sorry there is nothing that they can do and I would be on my own and sorry for any inconvenience. This is not acceptable or even fair! I needed that money to pay rent, my lights and water so they do n't get shut off as well as food for my children and these people just do n't care at all!
Product: Credit reporting or other personal consumer reports

Please be advised that subsequent to the submission of communications dated XX/XX/XXXX and XX/XX/XXXX, to your esteemed agency concerning a discrepancy in my credit report, I am once again addressing this matter with due urgency. The communications in question sought the removal of an unverified entry linked to my account, specifically designated as " XXXX  XXXX XXXX ''. In retort, it was signified by your agency that said account was properly verified ; a claim that contradicts the disparate payment histories displayed by XXXX Paid, Closed account XXXX of XXXX, Equifax 's record of a XXXX late payment in XX/XX/XXXX, and XXXX 's lack of historical data after XX/XX/XXXX, for the respective terms, respectively this account has been closed since XXXX. 

Given these inconsistencies, I hereby reiterate my formal request for presentation of the factual evidence requisite for verification of the aforestated account information under the aegis of legal mandate. As decreed by Rule 1002 and consistent with the consumer protection protocols enshrined in Title 15 United States Code Section 1666b, it is an incontrovertible right to have access to such substantiation which is expected to be in your custodianship as precondition for any reporting labeled as " verified ''.

Moreover, in observance of statutory privileges emanating from Title 15 U.S. Code Section 1681a outlining privacy safeguards and Section 1681b prohibiting dissemination of personal information without express written consent from the data subjectmeand pursuant to Title 15 U.S. Code Section 6802 ( A ) - ( C ), delineating stipulations for disclosures inclusive of clear notification to consumers alongside their prerogative to preclude personal information from third-party disclosure and outlining modalities for the exercise thereof ; I demand adherence to these provisions.

Should you continue to maintain records or report data unsubstantiated by the required comprehensive documentation or in contravention of my explicit consumer rights as detailed herewith, please be apprised that such practices shall be construed as non-compliant with established legal frameworks governing accurate credit reporting and consumer privacy.

Henceforth, I politely insist on your immediate attention and swift corrective action regarding this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX have a XXXX XXXX XXXX ( Balance listed {$260.00} ) on my file. I have paid this account off. I have disputed it twice with these companies and they continue to leave the balance. Each time they have returned no investigative results for the disputes. 

This is a violation of my rights under the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX and EXPERIAN is XXXX in violation of 15 U.S.C. 6802 ( a ) ( b ) ( 1 ) ( A ) ( B ) ( C ) which states : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

And 15 U.S.C. 6803 ( a ) ( 1 ) ( 2 ) ( 3 ) which states : ( a ) Disclosure required At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution; and ( 3 ) protecting the nonpublic personal information of consumers.
Product: Student loan

I need two issues fixed. I signed closing loan documents on XX/XX/XXXX for a student loan refinance greater than {$73000.00}. When my loan funded on XX/XX/XXXX, SoFi began charging me interest on this large sum the day of funding. However, instead of a wire or ACH transfer to my two refinanced institutions, it seems they mailed checks to pay off these lenders. At least that is what the rep said on the phone today. Essentially, I was paying double interest even though SoFi still had the money in their account. When I emailed SoFi to seek correction, I was told interest on my old loan stops accruing the day before my loan funded ( XX/XX/XXXX ). They were wrong. I was also paying on {$62000.00} of this loan at my previous lender too. SoFi should either send funds via wire or not charge until the checks clear their account. The point of my refinance was to save in interest payments ; not to double down on the amount of interest I am being charged. I called today to correct this and also opt out of third party sales as allowed by the Gramm-Leach Bliley Privacy Act ( GLBA ). SoFi 's notice says I can opt out by calling them or online. When I called, they told me I needed to go to their website. I could n't at the time and asked they perform the opt-out for me. She refused. When I asked for a supervisor, she hung up on me. I should be allowed either method offered and not be bullied into their preferences. I still would like to confirm I am opted out of the California and national solicitations.
Product: Vehicle loan or lease

This account ( XXXX ) was resolved through a settlement agreement on XX/XX/year>, and the agreed payment was made in full to satisfy the balance. 
However, the charge-off continues to appear on my credit report
Product: Checking or savings account

So Navy Federal takes every penny that goes into my account out automatically to pay for a credit card I 'm behind on. If I put {$5.00} in my account, the next day it 's subtracted with a message saying " Tranferred to Credit Card ''. They are saying this practice is legal and they do n't have to give me my money back. I was wondering if this is the case? If so that 's fine and I 'll just open another bank account elsewhere. I just found it strange that a bank can continuously take funds out of your account for a past due card without your authorization. I 've been forced to open an account with XXXX XXXX because Navy Fed was completely cleaning out my account everyday without my permission. This just does n't seem right and they refuse to give me back anything. Please advise, thanks!
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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : 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 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 inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Over the last several years, XXXX, XXXX, Transunion has put inaccurate, unverifiable, invalid and obsolete items on my credit report. Ive disputed all of them with no answer, result, or information regarding these issues. 
As Ive been researching and learning ways to fix/protect myself against these negative items, I have uncovered not only that what theyre doing is unethical, but illegal. Over the last several months I have personally sent letters disputing these negative items with explanations but continue to be ignored. 
I have sent my final letters, over 30 days ago and once again a couple of days ago, pointing out that they are in violation with the FCRA, sections 601-629, without a response or resolution. 
I am extremely frustrated, anxious and appalled that it is so easy for these big private companies to take advantage of the public. Because of this, I am urgently reaching out to you to ask for your help and support in resolving this issue. Anything you can do to resolve this and hold them accountable for these unethical practices will be truly appreciated. 

XXXX XXXX XXXX  Amount Owed : {$1100.00} in Collections : XX/XX/XXXX Last Verified Date : XX/XX/XXXX No action. 

XXXX XXXX XXXX XXXX XXXX Amount Owed : {$230.00} Placed in Collections : XX/XX/XXXX Last Verified Date : XX/XX/XXXX No Action. 

XXXX XXXX XXXX Amount Owed : {$1400.00} Placed in Collections : XX/XX/XXXX Last Verified Date : XX/XX/XXXX No Action. 

US DEPT OF EDUCATION Closed Charge Off Amount : {$1600.00} XXXX XXXX XXXX Bank Inquiry for Individual XX/XX/XXXX No Action. 


XXXXXXXX XXXX XXXX  Banks Inquiry for Individual XXXX XXXX, XXXX No Action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit and saw an account for XXXX XXXX  for {$9900.00}. I have no knowledge of this account and it DOES NOT belong to me. I am not an authorized user on any accounts pertaining to XXXX XXXX. I did not co-sign for any loans, credit cards, or anything else. I do not have any products with XXXX XXXX except a checking and savings account.