23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I paid for an appraisal, {$950.00}, Rapid Mortgage ordered it, there were some complications with the appraisal company, nothing that should have kept Rapid Mortgage from doing their part. They ordered the appraisal and after it was completed they never responded to my email, text or phone calls. I eventually went to another lender, but they would not except the appraisal, so i had to get and pay for another appraisal. I would like a full refund of the appraisal amount, there were XXXX charges XXXX for {$810.00} another for {$140.00} they wanted more money, was expressed as needing it for travel. when they ordered the appraisal the had confirmed they had received pre-approval for the loan, their process went on forever, and then nothing happened, sent paperwork, just to have to send it a second time, very poor communication as well. 
United Wholesale Mortgage was part of the assignment of the appraisal, i have spoken with them, they are saying it is Rapid Mortgages responsibility, the whole package was in their court.
Product: Credit card or prepaid card

Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card - Revolving Terms Elan Financial didn't follower the terms and conditions transferred from XXXX XXXX XX/XX/XXXX. Automatic payments stopped with-out my authorization and I was unaware payments stopped Causing two months to be late. Automatic payments were not made because they didn't honor the original ACH agreement., The only way I found out was when I pulled my credit during that time to see a new credit card company that I was unaware of the merger.
Product: Credit reporting

XXXX, Experian, XXXX, XXXX, and XXXX set-up XXXX as a means of delivering disputes from the credit reporting agencies to the data furnishers. XXXX does not work!!!! I have had XXXX for numerous years, and have NEVER received a notification of a dispute. Furthermore, I can document instances, that a negative credit blemish was deleted without XXXX notification ... a clear violation of the Federal Fair Credit Reporting Act. XXXX is JOKE!!!!!!!
Product: Debt collection

I'm contacting you to dispute the inclusion of this bankruptcy on my credit report. The situation is extremely worrying as I have documentation from the court explicitly stating that this bankruptcy should not be reflected in your records. Furthermore, the involvement of an unauthorized third party increases the ridiculousness of this scenario.
Product: Money transfer, virtual currency, or money service

Hi, I initiated a wire transfer from my bank, XXXX, to Coinbase two days ago. Wire transfers usually take a day, so I gave them a day before I called their bank, XXXX XXXX XXXX. Their bank said they have received the funds so I need to contact coinbase. I sent coinbase an e-mail but they just keep giving me automated responses. I searched online for people similar to my problem and it seems many people are having this problem for I do n't know what reason. They charge money to wire but they do n't give us funds in the same day. I am afraid they are stealing money. Here are the details of the transaction. Wire amount XXXX U.S. Dollars ( USD ) Wire date XX/XX/XXXX at XXXX XXXX ETXX/XX/XXXX at XXXX XXXX ET Message to recipient XXXX Message/instructions to recipient bank XXXX Transaction number XXXX Fed reference number XXXX Status Completed
Product: Debt collection

The collection company first called me around XXXXXXXX XXXX  XXXX about a balance with XXXXXXXX XXXX XXXX XXXXXXXX. I explained that I didn't have a balance, the debt was paid in full. The agent replied that " it was for a different debt. '' The agent called a few more times, before XXXX XXXX, I stopped answering the calls. When I log into the XXXX XXXX XXXX, I don't have a balance. The hospital never sent me an account statement with an outstanding balance. I'm not sure how this account ended in collections, but I don't have a {$1500.00} outstanding balance. The collection put this derogatory remark on my credit report XXXXXXXX XXXX XXXXXXXX. My XXXX has dropped as a result.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 Experian received a certified letter Requesting signed documents and or proof of application ( s ), contracts, an or original documentation as well as the right for Experian to report the following accounts to my credit report ; 1. XXXX XXXX # XXXX 2,  XXXX  # XXXX, 3.XXXX XXXX XXXX # XXXX, 4.XXXX XXXX XXXX # XXXX XXXX 5. XXXX ( XXXX XXXX XXXX. Experian has failed to provide any proof of original documentation containing my signature regarding the accounts listed above. In addition Experian received a copy of a Police Report which included the accounts in question in regards of being established without my knowledge or consent through identity theft. As per the Fair Credit Reporting Act section 605b states the accounts must be blocked within 4 days of receiving the police report. Experian has numerous violations in regards of the Fair Credit Reporting Act regarding my disputes by continuing to report these accounts to my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still 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 is the incorrect personal information that is still reporting on my Credit Reports and needs to delete completely from my Credit Report : XXXX XXXX
Product: Debt collection

This company is attempting to collect a debt on a car tow that I did not incur, nor did I own the car, nor is it registered to me. The former owner Illegally transferred the car to a name that isnt mine, but the sale was never complete because he never provided smog certification. They are not even using my legal name and they have written threatening to damage my credit. They are overcharging by {$1200.00} pursuant to CA law. The tow company never got in touch with me and are attempting to charge for 45 days of storage. In CA, only 15 days can be charged without communication. The debt collection manager, XXXX, accused me of being irresponsible and attacked my personal character. They refuse to provide documents to back up their claims, though did provide some incomplete documentation.
Product: Credit reporting or other personal consumer reports

I sent a letter last XX/XX/XXXX to remove the listed items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove the items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. The following items that needs to be remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several credit inquiries from multiple companies on XXXX XXXX, 2017. I contacted the credit bureaus to dispute them and was told I would need file a police report and to contact the companies, which I did ( all they could tell me that my information was in their system ). I asked why I would need to file a police report for an intangible issue and that no credit was issied, Just an unauthorized inquiry. The information is still on my report and i cant get any help from the bureaus or the companies. 

TransUnion -XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX - XXXX XXXX XXXX , XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This evening, I found unauthorized inquiries on my credit report, and I'm completely baffled as to why. I routinely check my credit report, but this time, there were discrepancies that came out of nowhere. I tried refreshing the page, thinking it might be a technical error, but the unauthorized inquiries stayed. Due to this issue, I'm asking for a thorough review of the documents I've provided so I can finally have peace of mind.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello i am trying to get the credit reporting companies to stop reporting false information on my reports.The three major reporting companies all show multiple errors on my reports.I have repeatedly asked to have the items verified that are incorrect and i am just been runaround for over a year now.I have sent certified notorized letters demanding proof of verification as they are under a legal obligation to do so.I have been lied to by all three companies.I have been told that im not giving them adequite time to XXXXXXXXXXXX  have by law 30 days and i have been disputing the same errors for well over a XXXXXXXXXXXX  received no responce from any one of the companies with the certified letters sent the first of XXXX XXXX alone violates the laws governing their right to report unverified XXXXXXXXXXXX  can you say its been verified when you all show accoubts that were never late yet you show derogatory payment XXXXXXXXXXXX  of these accounts are over XXXX years old and have had XXXX balances for XXXX or XXXX  years but yet you show it as derogatory with numerous missed payments and you show the last reported date as like XXXX XXXX is that possible on an account that has been paid off since XXXX all have notified me that you verified this XXXXXXXXXXXX  you have not or you would see you are in violation and reporting false information that is hurting my ability to XXXXXXXXXXXX  look at the XXXX credit all three companies have been showing it as XXXX for XXXX years or so and i have repeatedly disputed this XXXX show it as a 60 month XXXXXXXXXXXX  you look at your own report you will see that i have had that account for XXXX  years, Also it is current and no past due balance is XXXX again false information that you repeatedly claimed to have XXXX a company called XXXX XXXX  has repeatedly had hard pulls on my credit that i have not ever XXXX have never had any loans with them other then XXXX of my credit cards is through their company and XXXX  XXXX  uses them for offering loans that i never asked for.They show over XXXX hard pulls on my report with them alone.How can this happen if you are following the XXXX Texas staute of limitation on debt is XXXX years but you have multiple XXXX year items reported on my reports.How is it possible that you actually verified the information like you have repeatedly stated to XXXXXXXXXXXX  am XXXX  to contact an attorney and sue for the numerous damages that are being caused by your false reporting of unverified XXXXXXXXXXXX  will be my last attempt to handle this XXXXXXXX it is not done correctly with actual verified information and all others removed i will be forced to file a lawsuit and seek compensation for damages.
Product: Mortgage

I had a mortgage through XXXX XXXX XXXX for a home in MD. I was approved for a DEED in lieu. The paperwork was done and processed XX/XX/2016. Bwi financial services notified me they were taking over loan on XX/XX/2016. I called and notified them I was in a deed in Levi and it has just cleared XX/XX/XXXX. They said okay they will make note and I notified them they needed to stop calling and mailing me items. I do not own the home any longer. They have continued to mail me sending letters and bills. I called a gain and told them to stop. I just received another bill. I called again this morning and they said the person is XXXX who is in chnarge of the account. They said he is not in but will have to call me again. I do. It own the home and I do not want to be harassed. BY BSI because they are not organized. They need to deal with XXXX XXXX XXXX and figure this out.
Product: Credit reporting, credit repair services, or other personal consumer reports

there Are items on my credit report that i have disputed and i haven't received any results about the investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting incorrectly to XXXX ; XXXX  and Transunion a collection in the amount of {$900.00} on the XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This account has been paid and should be reporting a {$0.00} balance. This incorrect reporting of a collection is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this item however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate and fraudulent accounts reported from my credit report. Contacted debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. Therefore, you are reporting misleading false accounts. The following accounts were XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX XXXX
Product: Vehicle loan or lease

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Product: Credit reporting or other personal consumer reports

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several companies ran my credit without authorization XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX I XXXX XXXX XXXX, OK XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, SC XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I recently looked at my Experein credit report on XXXX XXXX and i saw some hard inquiries that did not have permissible purposes i also arranged evidence 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 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 has violated my rights. 


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. 

Delete this inquiry due to violation 15USC 1681b
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 6 paid collection accounts on my report with XXXX ( formally XXXX XXXX ),  two with XXXX  XXXX, XXXX XXXX, XXXX XXXX  XXXX, and XXXX XXXX XXXX. I have sent each collector a letter asking for proof that it was paid. I have also disputed the accounts with XXXX, XXXX  and Experian to try and get the paid collections removed from my report. I am currently out of a place to live and I'm trying to get a house. I paid the collections in hopes that would get them removed from my report, but they are still reporting negatively and I am out of options, but to file with you. Below I have included letters I have sent to XXXX, Experian, XXXX, as well as the creditors of all of the collection accounts. I have also included pictures of how my accounts are reporting to the bureaus.
Product: Checking or savings account

XX/XX/XXXX Approx XXXX deposited in my business checking account ( refinance proceeds ) XX/XX/XXXX ( Account was placed on hold I was not notified ) XX/XX/XXXX deposited {$4600.00} ( not notified that account was in hold status ) XX/XX/XXXX XXXX deposited into business checking account ( refinance of second investment property ) when I tried to pay contractors for the work the wire was rejected and I immediately went to the bank. At that point I was notified of the hold. 
XX/XX/XXXX I emailed my banker both closing documents- all pages ( although they didn't ask for these items ) verifying the origin the amounts and purpose of the funds wired into the checking account. 
I have went to XXXX branches and called and no one can tell me why the bank would decide that the loan proceeds wired to my account is being held and investigated. Even the bankers have said that they have never had this happened and not sure what to do. 
My complaint is against the internal process of accepting and holding funds without reason and the overrall callousness of the banking employees at Truist Bank. The very mortgages that were refinanced are now past due, I am trying to salvage my relationship with the contractors who did the work on my properties and none of the banks employees are showing any urgency in getting this resolved.
Product: Credit reporting or other personal consumer reports

Creditor has not updated my request to remove and close account for illegally reaging my account from XX/XX/XXXX to XX/XX/XXXX the creditor reaged my account more than 6 months. 

on XX/XX/XXXX i requested Please delete off my EQUIFAX account because the creditor has re-aged my account and this a FCRA Violation. Equifax aged my account to XX/XX/XXXX however XXXX shows XX/XX/XXXX creditor has failed to update dispute status, which is a violation please do not correct but remove from my Equifax report because high credit limit is inaccurate. XXXX and XXXX shows different limit please remove off my report XXXX reported " 60 days late in XX/XX/XXXX but reported ok in XX/XX/XXXX this is inaccurate and unverifable
Product: Mortgage

I start a process of loan modification, in XX/XX/2019 I went to the mediation the lawyer from Caliber denied the modification alleging that my income was to low, but they didn't want to use my income from my main job ( XXXX XXXX ) in this job I get XXXX per year if they don't use this income it's the best excuse to denied a modification. My feeling is that they are discriminating. I work very hard I have three jobs XXXX XXXX, XXXX XXXX  XXXX XXXX and small own business XXXX XXXX, beside my sons work and support me financially, we present all this information and documents to Caliber ( income tax returns, banks statement, payroll, letter of employed, etc. ) but they are acting very unfair. We are desperate they don't care about the people, We been sending to the trustee during one year {$1500.00} We are not living for free and we need to keep the house XXXX is very expensive and they probably want to pull me out just because I'm XXXX and not rich XXXX.
Product: Vehicle loan or lease

Our daughter 's Kia XXXX was totaled, and we replaced it with another identical model. Both were financed through Kia Finance America ( https : //www.kiafinance.com ). 
Our insurance company was provided a payoff for the totaled car, and they paid it off. In between the ordering of the payoff and the delivery of the check, Kia Finance drafted another payment from our account, resulting in an overpayment. No big deal, shouldn't be a problem, we figured it would be automatically and promptly refunded. When it wasn't, we called to follow up. We were told it was sent, they verified our address, told us it had only been a month, wait a little longer. We waited a few more days and called again, and they said, they had been mistaken, it wasn't sent to us, it was sent to our insurer, as the last check had come from them. We called our insurer, XXXX, and they said we don't receive overpayments on car loan accounts, and we wouldn't even know what to do with that. We called Kia Finance, and told them what the insurance company said, and they said we had to GET A LETTER FROM THE INSURANCE COMPANY AUTHORIZING US TO HAVE OUR OWN REFUND. This is crazy, but we actually got that, and sent it to Kia. Another month went by, and we just called today. They have taken no action to solve the problem. Today, they told us they can see the check wasn't cashed, so they will cancel it and send a replacement TO XXXX AGAIN. They have already been told, in the letter they made us obtain from XXXX, that the refund should go to us.
Product: Credit reporting or other personal consumer reports

Recently the dispute that I made under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) regarding the validation of the below accounts, they show validated and belonging to me on their records. I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute mentioned. XXXX as well as Equifax.
Product: Debt collection

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. 

PROFESSIONAL CREDIT Last reported XX/XX/2020 {$2400.00} in a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine.

I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

3. Please provide a complete account history, including any charges added for collection activity.

You have thirty ( 30 ) days from receipt of this notice to respond. Failure to respond in writing, hand-signed, and in a timely manner, will be considered a waiver to any and all of your claims in this matter, and will entitle me to presume you placed this on my credit report ( s ) in error and that this matter is permanently closed. Provide the proof,
or correct the record and remove this invalid debt from all sources to which you have reported it.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.