23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/2020 I signed a purchase agreement for a home. There was initially a projected closing date of XXXX. The loan company PNC continues to delay the loan and asks for an extraordinary amount of documentation about the home. The lender PNC received the appraisal from the Appraisal company but said it was not complete. They refuse to disclose what is missing and lied about when the information was exhanged. I want this loan closed but am wondering if theybare delaying because I am a minority or because this is a rural area.
Product: Credit card

All the information on the account to see if I could figure out who was scamming me.turns out the phone number on the account was my mothers, XXXX XXXXand she opened an account without my acknowledgment.The same number on the account thats is now putting my credit score down and making me in debt, is the same phone number linked with my mother XXXX XXXXsadly the only person I know to have all my personal information like that.
Product: Credit reporting or other personal consumer reports

on XX/XX/2024 | sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of thewrongperson.|
Product: Credit reporting or other personal consumer reports

I am not an expert, but the FCRA does clearly state that my credit report needs to be 100 % accurate and consistent. As of right now, it is neither accurate, or consistent
Product: Bank account or service

On XXXX XXXX, 2016 I went into the Wells Fargo Branch on XXXX XXXX and XXXX to purchase a money order. I was given a Cashier 's check instead and was advised by the teller because the amount a money order was not available. I purchased a Cashier 's check in the amount {$1200.00} made out to XXXX XXXX. About an hour and a half later I went back inside the branch to have the check reissued due to someone snatching the check out of my hand. I spoke to XXXX XXXX Personal Banker. XXXX placed a call to place a stop payment on the check and reissue the check. XXXX was on the phone with a representative for about 30 mins. XXXX begin filling out paperwork for me to sign for the check to be reissued. XXXX than hung up the phone and advised the stop payment was placed on the check but they could not reissue the check until Monday because the check was purchase today and was not yet in system. I asked XXXX multiple times if he were sure the stop payment was placed on the check. XXXX guaranteed also assured me the payment was stopped and Monday I would fill out a notarized paper and check would be reissued. I call the Bank XXXX XXXX, 2016 and was told the check was cashed. I spoke with a rep and asked why the check was cashed after a stop placement was placed on check. The representative advised the check should have been reissued by the branch the same day and she was not sure why they did not reissue the check. She then advised me to go back to the branch because they were the ones who did not reissue the check properly. I called the branch first thing Monday XXXX XXXX spoke to XXXX. XXXX asked me to email him a copy of the top of the check and advised he would check on it. XXXX XXXX I called XXXX again because I did not hear back from him. XXXX advised that this was sent to the Executive office and the call was being pulled where the representative advised the stop payment was placed on the check. XXXX advised to give him a few days to figure out what they could do because the bank messed up and cashed the check. I called XXXX back on XXXX XXXX he advised the Exeutive office stated nothing could be done so he spoke to manager. With my permission my fianc went down the branch after continuos runaround. XXXX advised his boss XXXX XXXX was working on getting the call pulled so she could work on it. My fianc called XXXX XXXX XXXX after still not hearing anything. XXXX XXXX advised my fianc there was nothing the bank could do because the check was cashed. My fianc advised her the check should not have been cashed after being advised by XXXX the payment was stopped. XXXX XXXX stated the bank could provide a letter of explanation explaining how the check was cashed after the stop placement was stopped. My fianc advised XXXX that it was unacceptable as this was the banks error and we wanted to be compensated. I stil have not heard anything back from XXXX or XXXX and it as been three weeks with the bank not taking responsibility for their error.
Product: Credit reporting or other personal consumer reports

I urgently request the prompt removal of these unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize them. Please rectify this immedi
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

In XX/XX/2016 I finally closed on a loan via Amerisave. It was an incredibly difficult process. Many times Amerisave made promises not just verbally but in writing to both myself and my realtor that just were not true. For various reasons my closing was delayed about 4 times. At XXXX point, they denied my loan right before closing. Then admitted mistakes. The subsequent loan closing delays also due to the Closing Attorney that was understaffed and delegating most of the work to inexperienced paralegals. 
About XXXX weeks after my closing I was notified that my loan was being turned over to a different servicer " XXXX ''. I had some questions about 2 months ago about PMI removal and XXXX informed me this is not possible with FHA loans. I was surprised. They told me it was in my initial loan disclosures. When I asked them to point it out to me they could not find it, nor could I. They stated they would research it and send me the documents. Today after more than a month from my request, I received the documents. It is very obvious that they were " doctored '' and my signature " forged ''. The date noted on the paperwork ( was not my handwriting and dated XX/XX/2016 ) The figures and interest rate amounts were old/outdated and the first page even indicated that the paperwork was prepared in XX/XX/2016. I strongly recommend using your own attorney for closings. Not Amerisave 's although theirs is cheaper and also not using XXXX recommended by your realtor. Be cautious of using Amerisave. They will also not give you the {$1000.00} at closing if your loan does not close in 30 days as promised on their website.
Product: Debt collection

I have a XXXX 's XXXX credit account which is delinquent and was recently sold to a third party collection agency - Atlantic Credit. I received a letter in the mail regarding the outstanding balance but I have received no less than 5 calls per day since the beginning of XX/XX/XXXX. Not only do they call from their toll free number, I have received calls from a XXXX number in XXXX, VA as well as from a Restricted line. They do not leave messages from any of these numbers. On XX/XX/XXXX, I accepted a call from the restricted line to inquire who was actually calling. Atlantic Credit informed me they were trying to contact me before they had a local attorney take over the account.Upon speaking with XXXX XXXX and her supervisor, XXXX, I informed them both of my reason for the delinquency as well as expressed an intent to work out a payment arrangement. I also informed them both that I was at work and would not be able to accept calls during business hours and would have to call them from home during non business hours. On the morning of XX/XX/XXXX at XXXX, I received another call from the Restricted number but again they did not leave a message. I am interested in discussing a payment arrangement but I am not interested in receiving multiple calls from multiple numbers nor am I interested in feeling as if I 'm being harassed with threats of legal action or sarcastic comments regarding my intent to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of the recent XXXX XXXX XXXX account scandal. I have tried working with XXXX XXXX to fix the issue and have had no success. They have no proof that the account belongs to me. 

I am now requesting that ChexSystems remove entries from XXXX XXXX because XXXX XXXX is unable to Prove any accounts ever owned by me related to my ChexSystems report. 

I am now requesting that ChexSystems remove XXXX XXXX from my ChexSystems report. I have never been a customer of XXXX XXXX. 

PLEASE COMMUNICATE BY MAIL ONLY IF YOU ARE READING THIS COMPLAINT ChexSystems And XXXX XXXX Bank. Do not call please.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, has violated my rights. I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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: Debt collection

I ask them to remove this negative item off my credit this is incorrect information I sent them legally documents an receipt for the months they said I own them money an we wear
Product: Debt collection

XXXX XXXX is my Health Insurance and Health Services company. I had a procedure that came with {$100.00} copay. I paid by charging my credit card in advance of the procedure at their prompting. The procedure and payment were XX/XX/2015.I received a collection letter for the item on XXXX XXXX, 2015 from their collection agent AMO Recoveries . I was never contacted by XXXX about the lack of payment prior to this letter from the collection Agent. 
Not only was the payment in advance of service, XXXX never notified me they had no record of payment.
Product: Consumer Loan

Well my complain is with a financial institution called mission financial a dealer named XXXX based in XXXX, AL sold a 2007 freightliner truck to me and mission financial finance the truck which I made a down payment of XXXX and I started with a tile processing error by their rep which took about 3 to 4 months before that issue was resolved then after I register the truck and start to work after a month and half the truckbroke down which I tried to repair it spend XXXX on it and it was still not fixed did not miss a payment till the truck broke down less than 30days and they forced and repo the truck which they have repair loan programm but refused to offer me any assistance which end up me losing about XXXX which I think it 's just a bad way of financing I worked had to get the truck and end up losing now am back to square 1 again they could have help me get my truck back to work instead they took it and left me a poor layman suffering please I think the consumer agency should look into their practices. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am receiving calls from home loan companies when I did not apply for a home loan. The companies that called me said there was a hard inquiry with trans union whenI did not apply for a home loan.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Dear Sir/Madam : I am writing in regard to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. 
I am disputing this debt that you claim I owe it. 
Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. 
Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C. 1692 ( c ). 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Bank of America reported XXXX late payments on my credit report. 

Account XXXX XXXXXXXX But it's not my fault, my account was set up on XXXX Payment with my XXXX  account for the XXXX payments on this account. I recently had fraud done on my account. On XX/XX/2023 I closed down my XXXX account reports the fraud charges and opened a new account. XXXX reassured to me that everything that was set up on XXXX XXXX or XXXXXXXX XXXX XXXX  XXXX from the old account, will be automatically sent from the new bank account opened. All payments were made up to date and I am asking to please remove these XXXX late fees. This is affecting my credit report very badly and not letting me get approved for nothing else. 

Thank You, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed a fraud alert to help protect me as advised. I am now attempting to apply for a loan through a credit union who can not pull my Experian credit report due to the consumer statement that needs to be removed. I contacted Experian and they assured me through the dispute process the entry was removed. This took place over XXXX hours ago which is their maximum processing time. I called them to confirm since it still shows on my report. I was lied to and given the run around for hours while trying to fix a very simple issue I am an identity works customer and am able to verify my information and have several times but am getting nowhere I need help please advise as Experian customer service program is detrimental to the security of MY LIFE!!!!
Product: Debt collection

The debt was satisfied but, the collector has failed to update in XXXX report and further failed to provide his name. When contacted about this issue on XXXX/XXXX/2015 at XXXX, the collector failed to acknowledge it and stated " its not his job to update it ''. Further, I stated that I will get in contact with " CFPB '' about this issue and he said do whatever you need to do.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXX Account Name : XXXX XXXXXXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : 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/year>
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. 
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

I have contacted Equifax on many occasions via certified mail which tracking shows they received my notices on XX/XX/18, XX/XX/18, and XX/XX/18 and via phone having spoken to the Fraud department & a few supervisors such as XXXX rep ID XXXX regarding information listed on my credit report. I have asked for validation of accounts such as XXXX XXXX & XXXX and have yet to received any physical proof since i have brought this issue to them. I am not quite sure why it has taken months for them to provide me with documents that per law should already be in their possession as they are reporting information on me that they themselves have no physical proof belongs to me. I have also received notice from Equifax to contact original creditors to further investigate when per law it is not my burden to do the investigation for the credit bureaus. I have although contacted said creditors and either have received no response, incorrect account information ( i.e. someone else account information ) or a notice asking I give a company that to my knowledge i have no dealings with all my personal information in order for them to validate a debt. All of this which has been provided to Equifax and yet still to this day I have not received any physical proof of validity from the original creditors or Equifax. I also sent notice of failure to validate to XXXX and XXXX XXXX as they have not provided physical proof to me so what have they provided to Equifax that could not be given to me is what I dont understand. This has been on going for months which if they are obligated by law to have this documentation in hand as they keep saying the information has been verified as accurate why have I yet to receive any physical proof from either Equifax on the creditors.
Product: Money transfer, virtual currency, or money service

I am filling a compliment against cash app ( block , inc ) due to inadequate customer service and unfair practices, which violate the Consumer financial protection act ( CFPA ). Specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redness for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I have been a customer of XXXX XXXX from XXXX through XXXX. My account number is XXXX. 

During this time period, for the XX/XX/XXXX payment, i was going to be out of the country and therefore, a payment was mailed in instead of the normal online payment. 
However, upon my return in XX/XX/XXXX, I became aware that XXXX XXXX had in fact not received my mailed in payment for XX/XX/XXXX and therefore, they placed a negative reporting on my credit. 
A second payment was also made at the time of my return to ensure that we would not be late until they figured out what had happened to the first payment. 

At this point today, I am trying to buy a house and this incorrect negative reporting is affecting my approval for the loan to purchase the house. 

I have several times to take this matter up with XXXX XXXX and their supervisors that I have spoken to refuse take any initiative or responsibility in assisting me to fix this important matter. 

I would appreciate your help to resolve this issue as soon as possible. I can be reached on my mobile at XXXX if any additional information is required on your side.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian, and XXXX is furnishing inaccurate and incorrect information to the consumer reporting agencies. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood. 

As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. 

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 

By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. 
15 USC 1681 s-2 Says XXXX, Experian, and XXXX is a furnisher of information to a consumer reporting agency. 
XXXX, Experian, and XXXX IS PROHIBITED BY LAW to furnish inaccurate information. I demand XXXX, Experian, and XXXX to Cease and Desist the reporting of incorrect/ inaccurate information immediately. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1. Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 
XXXX : a law or regulation forbidding something XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX