23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I purchased a home and used Wells Fargo as my mortgage company XX/XX/2013. Since then my husband and I have made about XXXX-XXXX in improvements, turning our XXXX into a XXXX and redoing the bathroom downstairs and upgrading our backyard with pavers etc. My taxes obviously went up and I discovered my monthly payments went up {$400.00} per month because of escrow. I complained that I would like to get out of escrow and pay my own taxes and also have an appraisal done to get rid of the PMI as well. I needed to be at XXXX % LTV ratio for both. WF insisted I use their appraiser and he came in and appraised the house for only XXXX more than it was 3 years ago in a worse market and in much worse shape than it is now. Keep in mind I made significant improvements to the house. I am now at XXXX % LTV ratio with consistent on time payments and payments that are more than the mortgage bill every month and they will still NOT let me out of escrow or PMI. I contested the appraisal and they came back and used the same appraiser to review my appraisal and shot down all of my comps. They originally used comps from 2 years earlier because they claimed they could not find up to date comps, but I was able to! I am an agent and I know how to provide comps. I also have several friends in the real estate industry who claim my house was under-appraised by probably about XXXX-XXXX %. They are asking me to pay them toward the principal, but I will not because I know my house is worth a lot more than they claim. I am being bullied for .09 %! I would love to refinance but that will cost even more. I am tired of big banks bullying the little people trying to make a way for themselves in the world. Stay away from Wells Fargo! I constantly hear complaints about them from several people. They are rip off artists and have given me nothing but a hard time.
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. 
XXXX XXXX, DP OF EDUC XXXX, DP OF EDUC XXXX, XXXX XXXX  XXXX XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX {$9700.00} ; XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX JPMCB CARD XX/XX/2023 XXXX I disputed these inquiries because I do not recognize them nor did I authorize them!
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


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

Recently, I did an Investigation on my credit report and found several items on there to be inaccurate on my account. The account is hurting my ability to obtain credit. Is my understanding that Credit Agencies will investigate this account for me to ensure accuracy here is the account I am asking you to verify as accurate. 

XXXX XXXX Acount # XXXX under 15 U.S. Code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it should follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information a in general if after any reinvestigation under paragraph ( 1 ) of the information disputed by the consumer and item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete the item of information from the file of the consumer or modify the item of the information as appropriate based on the results of the reinvestigation ( ii ) and promptly notify the furniture of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report immediately
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately XXXX XXXX-Date of inquiry XX/XX/2020 XXXXDate of inquiry XX/XX/2020
Product: Debt collection

The last thing I did with anything on my credit was file my income tax I got an email about 20 mins ago saying my credit report went down I look at where I owe this money and its tell me this address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX with this name company account resolution service I have know clue of me owing this money and the last job I worked for was XXXX XXXX XXXX doing deliveries and a juice bar called XXXX XXXX XXXX so I dont know where this money saying that I owe coming from I paid all my debt before I even applied for a credit card check my records
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a public record investigation request to LexisNexis XX/XX/2017. As of today I have not received a response. LexisNexis is in clear violation of the FCRA in that they have exceeded the 30 days allocated to them to respond per FCRA XXXX BKPT CT IL XXXX XXXX
Product: Credit card

I have a Best Buy Credit Card. I use the paperless option and so receive monthly notice that a payment is due and the balance is given. I generally go into a Best Buy to pay the bill. ok. I purchased an XXXX computer product for my girlfriend at XXXX ( XXXX ) XXXX on occasion I purchased a few items on the credit card. Along the way I forgot that the 2014 purchase was a 'promotional ' which deferred the interest rate. I have never seen anywhere what the standard interest rate is. After much yelling I found it is 28 %! wow. 
So, the problem now is that they added the accumulated interest on the account and my balance now is the same as it was in 2014 - - I am not even sure if any money that I 've paid for the past year and a half have gone toward anything! I will not go back and tally up what I 've paid and the customer service supervisor ( XXXX in Idaho ) allowed me a few weeks to take care of the remaining balance. My main problem with all this is - - it is a predatory lending practice - - the statement does not show what is promotional or regular and I was not aware ( been very busy this past year ) that the promo was ending. Nothing on the statement alerts or lets me know. That is wrong. Even the new concept of showing the customer the effects of only paying the minimum balance vs. more each month is not illustrated on the ( online ) statement. He said if I were to download and then print the monthly statement it would say all that. I say that all pertinent info should be shown on all statements - online or downloaded or in the mail. The bank that Best Buy uses is Citibank. I really appreciate this form and thank you for listening.
Product: Checking or savings account

Over the last several weeks I've been trying to get a refund of a {$30.00} fee that the bank has unethically taken from my account. During this time I have spent many hours on the phone with multiple supervisors who have been unable/unwilling to help. Constantly trying to push me off the phone with no resolution, or one who inevitably hung up on me on the morning of XX/XX/2020. 

All I need is a simple issue resolved, but due to the banks online only nature there is no physical location I can walk into. I'm hoping this complaint will get me in contact with someone who can actually help me. All I need is someone with the authority to actually fix this issue. PLEASE!
Product: Debt collection

I have sent 4 letters by the US postal service and the last two letters were sent certified and signed on XX/XX/XXXX and XX/XX/XXXX. I have requested for debt validation that the debt is indeed actually mine, the only response I have received is that have completed their investigation which established its validly. Nothing has been sent for my review or to investigate. This is an invalid debt that Portfolio Recovery Associates, LLC claims that I owe. I have never had a account with this company or who there so called client.
Product: Debt collection

I do not owe the NATIONAL CREDIT ADJUSTERS charges they keep claiming I need to pay to them or someone else. It's so frustrating and it's also affecting my credit history. I just paid my Student Loans and that is showing that I'm a very responsible person to make my payments on time if they are mine to make.
Product: Credit card

On XX/XX/24 I saw an offer to apply for an Avant card on XXXX It was advertised to say " check if you are are eligible ''. I clicked through the process and was then told I was approved for a card. This process was misleading and did not represent was advertised. I immediately received emails that the card was on its way. I called Avant and explained that I did not want the card and what had happened, and asked for it to be closed, and to have the account and hard credit inquiry removed from my credit report. I was not given much assurance anything could be done about this other than closing the card. I am putting the last XXXX digits of the card under the Card Number field as I do not have the full account number.
Product: Credit reporting or other personal consumer reports

After reviewing a copy of my personal credit report, I have come across a few inconsistencies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty-day time frame. I am the person making this complaint & I give CFPB authority to investigate this claim. 
Below are the errors I have identified : XXXX XXXX XXXX XXXX -Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Product: Consumer Loan

CPS consumer portfolio services & XXXX has and continues to contact me in regards to a time-Barred Debt, and now plans to suit to collect the balance on this time -barred debt. 
This company CPS false statements indicating that I have contacted them and that I have agreed to make payments is not true. This is false and is the wrong practice all with the purpose of re-start the clock and or re-open the time barred debt from XX/XX/XXXX on XX/XX/XXXX. 
I 'm was not able and I 'm not able to pay this debt due to financial hardship, and health issues with immediate family members. I did file for bankruptcy on XX/XX/XXXX due to loss of income.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019 XXXX added inquiries on my credit report per XXXX XXXX. These inquiries were not authorized in writing by me. These inquiries were disputed and unsuccessful removed by the credit bureaus. According to the FCRA, XXXX has violated my rights as a consumer And Im requesting legal action to remove these inquiries.
Product: Credit reporting or other personal consumer reports

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 
Any documentation or evidence used to substantiate the accuracy of the disputed items. 
I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Product: Vehicle loan or lease

I contacted Citizens One Bank at XXXX on XX/XX/2019, approximately XXXX est ; in regards to my auto loan, which is now XXXX years old, and is paid each and every month, in full as agreed upon in my loan. 

I have asked for a 1 month deferment, as my child is having an emergency, and I have to expend a large amount of money out of my home. When I initiated the call, I was asked by XXXX, the account manager, to verify full ssn, make and model, and my home address, which I confirmed all. She then started asking me if the vehicle was kept elsewhere, and was treating me like I was a REPO client, when I am not, nor ever been in jeopardy of such. 
She then asked me what my current phone number was, which I stated " The one you have on file. '' As it's not changed from when I opened my loan. She started to  be demanding, demeaning and rude, and advised that I am required to provide her the number, I advised her no, and that I didn't feel we had a great rapport. I asked to be transferred to someone else. After several minutes of being placed on a muted call, ( I was not on hold I am certain the XXXX had me on a mute, and was listening on the back line ) The manager XXXX came to the line. She badgered me about why I needed the hardship, and was very rude in tone, and volume. I advised her my son is having a personal issue, which is causing me a financial hardship, that I wish not to give the details to the bank, however I am his mother, and legally responsible for him. XXXX got very short in tone w/me and stated that I would have to pay the interest which equated to approximately {$190.00} and then the payment itself would extend to the end of the loan duration. XXXX then advised me that she would generate the paperwork, and gave me options to get it back to Citizens One : fax, mail, email. She informed me it could take about 2 weeks for a decision. We were wrapping up the call, when she started asking questions, such as " are you employed? '' I replied to her that I am not currently employed. She immediately got snappy and condescending, asking me who was paying my bills, and how I am paying my bills. I explained to her that my partner is currently helping me, and it was at that moment that she stated " since you have no job we will not approve this deferral. '' She continued to be combative, and I asked her, what is the point of a financial hardship, if they don't include personal issues or job loss as part of a hardship? '' She continued to be snarky and rude, and accusatory of me being inappropriate, which I was not. This is how I know she was on silent mute.. because I was having a side conversation that she overheard, and I did call the account manager a few names. How would the manager have heard this if I was on hold waiting? XXXX continued to overtalk me, and badger me about income. At that point, I advised the supervisor XXXX, to note my account that I will be 29 days late, since she is refusing to offer any assistance. This behavior is uncalled for, unjust, and inappropriate. Why would the bank not work with me, when I am CURRENT on my loan, and looking only for 1 month deferment?
Product: Credit reporting or other personal consumer reports

Recently, I did an XXXX on my credit report and found several items on there to be inaccurate on my account. The account is hurting my ability to obtain credit. Is my understanding that XXXX XXXX will investigate this account for me to ensure accuracy here is the account I am asking you to verify as accurate. 

XXXX XXXX XXXX XXXX XXXX  back in XXXX XXXX XXXXXXXX and myself negotiated a Deed In Lieu that was signed and documented. Today XXXX XXXX list with XXXX XXXX my account as a Foreclosure or XXXX days late. After many months and failed attempts XXXX XXXX has not produced XXXX document that shows XXXX  days late or Foreclosure. I have enclosed from XXXX XXXX XXXX XXXX Deed in XXXX that XXXX could not or would not produce. 

under 15 U.S. Code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it should follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( XXXX ) Treatment of inaccurate or unverifiable information a in general if after any reinvestigation under paragraph ( XXXX ) of the information disputed by the consumer and item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete the item of information from the file of the consumer or modify the item of the information as appropriate based on the results of the reinvestigation ( ii ) and promptly notify the furniture of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report immediately
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.

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 XXXXeven 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 card

Approximately around XX/XX/XXXX, Discover card decided to close my account. At that time, total owed was {$8400.00}. My account was opened in XX/XX/XXXX. I made all of my payments early, and overpaid by at least {$11.00} or more every month. They had sent me a request is for account verification. At the time, I had a difficult work schedule. I requested at least two extensions for this process since it required me to go inside my bank and get a letter signed by a notary. 
I finally was able to do this process, but it was after their deadline. I have been punished for being an excellent customer. My goal is to reactivate my account to take advantage of the benefits offered, or if they do not, I wish to make the rest of my payments interest free, or at least half the debt forgiven.
Product: Credit reporting or other personal consumer reports

According to the FCRA. 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 have responsible cause to believe that the information is inaccurate. I have filed several complaints with the CFPB also with the federal trade commission about this violation of my rights. This credit reporting agency has failed to do a investigation according to the guidelines of the FCRA. The accounts listed below are the accounts in question. 
XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX I have filed serveral disputes with these companies and they still continue to VIOLATE my rights.
Product: Student loan

I am a graduate of XXXX XXXX. I attended an online XXXX XXXX in XX/XX/XXXX, which I had to drop from due to motherhood, and then the XXXX, Tx campus in XX/XX/XXXX. The course that I had applied for ( XXXX XXXX ) had cost a little over {$46000.00}. I had completed the course and I graduated in XX/XX/XXXX. At the time of graduation, there was words going around that the XXXX campus was going to be closing down. At the time that I was attending the online program I was set up with a XXXX XXXX loan. Not knowing why I was being set up with it, when I was using my G I Bill because at the time I was a XXXX XXXX XXXX. I was promised job placement upon graduation and help with the career counselors with my resume. The career counselors seemed like they did n't know how to put together a professional resume to help students get the job of their studies. So now I 'm left with multiple student loans on my credit. I never had any desire of a student loan because I was entitled to use my post XX/XX/XXXX which I did and now I 'm stuck with them on my credit report and no job in the field that I study for.
Product: Debt collection

On XX/XX/2020 and XX/XX/2020, Avante USA, XXXX XXXX XXXX XXXX, called my father twice about my debt. They already have my address and phone number on file. I have not received written notification about my debt from the either. I am only aware of them because of these two calls to my father.