23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am selling property for XXXX. Prior to selling, a market analysis was completed in XX/XX/XXXX which came back XXXX. I established a selling price for the property and signed a contract with a tenant buyer to sell at XXXX. On XXXX XXXX, an appraisal was ordered by LOWER MORTGAGE and completed and valued at XXXX. Since value was below market analysis value XXXX, I requested LOWER XXXX XXXX for a 2nd property reappraisal. I was told by XXXX XXXX, XXXX loan advisor for the buyer, as per the company policy, and reappraisal must be detailed with reasons and approved before a second appraisal was sanctioned. 
On XX/XX/XXXX I submitted a letter detailing 7 reasons why the appraisal report was inaccurate incorrect. The main reason stated was comps were too old, dated XXXX, XXXX and XX/XX/XXXX. Other reasons were in-comparable to my subject property. 
My request for a second appraisal was approved and XXXX XXXX proceeded to order a second seller funded appraisal for {$980.00}. After paying the appraisal {$980.00} fee, a few weeks searching for an appraisal company, XXXX then informed me, she didn't realize another appraisal could not be done till first expires on XX/XX/XXXX XXXX. XXXX XXXX decides to wait till first expired and then implement the new appraisal. The new current appraisal with newer comps was completed by XX/XX/XXXX, with a value XXXX. 
Trying to close the loan in XX/XX/XXXX, another Underwriter said he would use first expired appraisal {$200000.00}, with now over a year-old comp. XXXX XXXX 's company, approved the second appraisal request, charged, and accepted {$980.00}, for a value that came in at {$250.00} and now the Underwriter refuses to use a current appraisal in favor of the first older expired appraisal report, a {$55000.00} difference in value. LOWER company is using an undervalued appraisal report and using discriminating appraisal practices to suppress housing values and keep {$980.00} without services rendered.
Product: Debt collection

XX/XX/XXXX I NOTICED THAT AN ACCOUNT WAS REPORTED ON MY CREDIT FILE BY CONNS WITH THE PAST DUE AMOUNT OF XXXX OPENED IN XX/XX/XXXX. I HAVE INFORMED CONNS THAT THIS ACCOUNT DOES NOT BELONG TO ME AND IS A DIRECT RESULT OF IDENTITY THEFT YET THEY STILL REPORT ONTO THE MY CREDIT FILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX TRANSWORLD SYSTEMS recieved my formal written notice : ( Tracking # XXXX ) In my notice I informed TRANSWORLD SYSTEMS that what they're reporting to my consumer report violates my rights as a consumer and they need to cease further reporting. I have given them more than the allotted time to rectify their mistake but they have ignored my letters and are choosing to continue to violate my rights as a federally protected consumer. TRANSWORLD SYSTEMS is clearly committing fraud.
Product: Credit reporting or other personal consumer reports

I looked at my credit report and I noticed fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i. 

I waited 30 days and I haven't received anything. The letter was mailed out on XX/XX/2023, compliant ID is : XXXX. It has been over 30 days. 

And one more thing, they didn't even record the current status of the disputed information. 

Experian is holding me back from getting a home. This is very frustrating because I am trying to buy a home for my family, but Experian is doing its job according to the law.
Product: Debt collection

My husband and I are currently paying our XXXX loan through Merchants Acceptance. We elected to move a monthly payment forward and we were not asked to repeat or confirm our card number. Due to the payment being scheduled for the weekend it would not run until the following Monday, which I confirmed on the day the payment was scheduled, and again nobody verified or asked me to confirm my card number. Our payment never went through and when we called the next day we were told the card number was invalid. Confused, based on the fact that we have the same card for all automatic payments on file and nobody confirmed the card number ( which had been done on every previous call to the switching of this specific payment. The representative, XXXX, read the wrong card number that was entered, and then read the correct card number after. The last 4 digits slightly different. I asked for a manager and was told that not only were there no managers, but also no compliance team or HR department. The representative then continued to cut me off and place me on hold in the middle of my sentences. There were points where he raised his voice, I exclaimed that I was not being aggressive towards him so he does not need to do so towards me. He then stated he was n't yelling, immediately placed me on hold to get to another representative. The man who jumped on the line was XXXX, who did not clarify he was not a manager, like I had asked for. He began in a matter of fact tone telling me that he will listen to the call and check on the NSF fee. If I had not asked him if he was a manager I do not think he would have told me and would have let me believe under false pretenses that that was who I was speaking with. I asked if they had anyone who handles CFPB/FDCPA complaints and the representative became very defensive. He would not let me finish a sentence and would raise his voice higher and higher as I tried to speak. They informed me that a 'manager ' is only present after XXXX XXXX and would not be able to assist me in any way.
Product: Debt collection

I'm filing a complaint against the collection agency Resurgent Capital Services. They are one of the collection agencies that the credit card company XXXX XXXX uses to collect on delinquent accounts. The account became delinquent by me in the Fall of XXXX, which was a very bad year for me financially. About 2 years ago I was able to start working on paying this debt off with Resurgent Capital Services. The payment was {$25.00} a month due on the XXXX of the month, with funds being drawn directly from my bank account. Everything was going well I thought until I was notified by XXXX  Credit Bureau in XXXX of this year that an account was in collection against me for {$880.00}, from a company by the name of Cach LLC, and that the account had been opened with this company in XX/XX/XXXX. No additional information was given about this company. I contacted XXXX  and informed them I was disputing this collection item. They filed my dispute and did an investigation. They sent me a letter of the results of their investigation in XXXX of this year. The letter stated the account was mine and they gave me the name of the company Resurgent Capital Services, as the collection agency. The delinquent account had been placed with the agency in XX/XX/XXXX and that the last payment received was {$25.00} on XX/XX/XXXX. I also was given their address of XXXX XXXX XXXX, XXXX, SC XXXX and their phone number of XXXX. I never received any mail or a phone call from this collection agency informing me of any issues with payments. I did call the collection agency and they informed me their third party company, ( I was not given a name ), had sent the account back to them but had never gave them a reason why the third party company had stopped collecting payments. Resurgent Capital Services further informed me that when I originally set up payments it was with their third party company and not them. I then asked why I never received any mail or a phone call informing of a problem. Resurgent stated they or their third party companies don't usually call or send letters when there is a problem. I then asked how do I get back to paying on the delinquent account. Resurgent then stated they had already assigned my account to another third party company. I stated I didn't want to work with another third party company again. Finally I was able to set up a monthly payment of {$25.00}, directly with Resurgent Capital Services and have paid my XXXX payment already. My complaint with Resurgent Capital Services, is the way they handle my account and now I have a negative mark on my credit reports that they have made and will not remove.
Product: Credit reporting or other personal consumer reports

I am filing this CFPB identity Theft Affidavit to report a fraudulent account appearing on my Chex System 's consumer report which i do not recognize as reported and which are the result of identity theft and fraud. This Fraudulent account consist of a bank personal checking account opened at XXXX XXXX XXXX XXXX under XXXX # XXXX, closure date XX/XX/year>, charge off balance {$450.00}. Inaccurate addresses XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX. Inaccurate names XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. These accounts have resulted in fraudulent charge offs, hard inquires, and personal information appearing on my Chex Systems consumer report and XXXX Credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and Chex Systems consumer reports, that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Chex Systems credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Dear Equifax I am disputing the account ( s ) stated in this document. Previously, I disputed this account information as being inaccurate, incomplete, and invalidated and you responded by stating you were able to verify or validate this debt. Tell me how is that possible when you have employees and an automated system judging my disputes within seconds? Its no way a real investigation was made. Under the laws of the FDCPA, I have contacted the collection agency myself, and they have failed to validate that this is indeed my debt. I have copies of my requests to the collection agency, asking them to validate the debt, as well as the receipts showing I sent them a letter by certified signature request. I was given no evidence of my obligation to pay this debt to these collection agencies. This debt is not mine. The Fair Credit Reporting act. requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. If you can not verify the item pursuant to FCRA. And you continue to report it on my credit. I will find it necessary to ( Sue you for actual damages and defamation of my character. According to FCRA regulations, I may sue you in any qualified state or federal court. 



including a small claims court in my area. This is my warning. I demand you to delete these items at once. 




XXXX XXXX XXXX | XX/XX/XXXX : Account number : N/A, -. I have no recollection of authorizing this credit pull and I demand this to be removed. 



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

I am a natural person, I am a living human being, I Have rights under 15 USC 1681. 
Equifax is govern by 15 USC 1681, And they have violated my right numerous times. I demand the account listed below ( # XXXX & # XXXX ) removed because, According to 15 USC 1681 : have the rights to the privacy and did not give Equifax written permission too furnish these accounts. 
( # XXXX & # XXXX )
Product: Debt collection

Had Identity theft XX/XX/XXXX. Thief applied ( and succeeded ) for many things, this being one of them for {$1400.00}. Received a debt collection bill on XX/XX/XXXX, Disputed the claim. They are still sending me collection notices. Credit report is severely affected due to this, Can not move house or purchase anything on credit. 

Collection agency sent me documents stating it proved the debt. Noe of the documents had my signature nor photo id, nor anything that proved the debt was mine. 

Fraus alert was issued XX/XX/XXXX. This fraudulent debt occurred XX/XX/XXXX. There was no due diligence, nor phone call made to my direct line upon approval of this 'credit '.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to Equifax in regards to inaccurate information being reported on my credit report and nothing has been resolved. i demand these inaccurate account to be deleted from my credit report immediately. I have attached copies of the letters sent along with proof of identity. if this is not resolved i will seek legal action. this has affected my entire life.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding several inaccuracies present on my credit report. Upon reviewing my report, I have noticed discrepancies in the reporting of certain accounts and transactions. Specifically, there are entries that do not accurately reflect my financial history, including erroneous late payments and accounts that are reporting inaccurate information such as incorrect opening date of said accounts and inaccurate payment history. These inaccuracies are adversely affecting my credit score and financial well-being, as they misrepresent my creditworthiness to potential lenders and creditors.
Product: Credit reporting or other personal consumer reports

I'm have been denied for every single credit I've applied for, my credit score from equifax is not right. Every credit union, Bank what ever all say no, I understand that I have no credit but I'm being turned down by every one and it's discouraging I have... well had a job but car broke down applied for loans but was denied due to the number of inquiries but there all for one thing financial help so I didn't lose my job which I did anyway because my credit score and Discrimination. Each time I get denied it says that my credit score played no part in their decision but says my score reflects a number between 200 to 840 not saying what's a score they can work with
Product: Credit reporting, credit repair services, or other personal consumer reports

Issue with Equifax reporting : Last year I did some rate shopping for an auto loan and my report was pulled by 4 financial institutions. 3 on XXXX/XXXX/2016 and one on XXXX/XXXX/2016. These institutions were : ( XXXX/XXXX/2016 ) XXXX, XXXX XXXX & XXXX XXXX & ( XXXX/XXXX/2016 ) XXXX XXXX XXXX. I 've read in multiple places online that rate shopping for auto loan rates will only count against your score 1x if done within a certain time frame. When I checked one free site, it showed XXXX of those inquiries counting against my score. I called Equifax 2x in the last week and everyone I talked to told me a hard credit check was a hard credit check regardless of what it was for and was gon na count against me even though there are multiple blogs on their site supporting the rate shopping will count as 1 hit against your score.
The first time I called I requested a supervisor and then a manager. The manager told me that only one of the rate shopping pulls was showing on my report. When I asked her about the new changes regarding liens and civil judgements she stated that my bankruptcy and paid tax liens were no longer on my report. I then bought one of their products to check my score and low and behold, it was all still there. When I called back I was again told nothing could be done about the inquiries. When I was denied a credit application, I requested my free copy. The report has two inquiry sections, ones that effect your score and ones that do n't. All XXXX of those inquiries are listed under the effects your score section. I do n't know what to do about this or how I can get it fixed so that only XXXX of those credit pulls is negatively effecting my score especially since I 'm mortgage rate shopping.
They also are reporting my XXXX student consolidation loan as open when it was bought out by the XXXX XXXX XXXX after the approval of my XXXX  discharge : the balance showing is {$10000.00}. I intended to file a dispute against this but am quite discouraged at their ability to fairly resolve disputes.
Any advice and assistance will be greatly appreciated.
Sincerely, XXXX XXXX XXXX  XXXX
Product: Credit card or prepaid card

Affirm XXXX will not let me close my account, I have called them several time to close my NO balance account and they refuse to do so, putting me on extended hold sessions, tell me there are technical difficulties.
Product: Credit reporting, credit repair services, or other personal consumer reports

MISLEADING AND FALSE INFORMATION i have inquirys on my credit report that i didnt do XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 i have a letter for my XXXX  XXXX bankruptcy its been dismiss they did the paper wrong I reviewed a copy of my credit report and didnt unauthorized credit inquiry on me on I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please investigate such occurrence. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. 

If you have any questions or need additional information, please contact me at address listed below XXXX XXXX XXXX  XXXX Illinois XXXX
Product: Debt collection

The original creditor was XXXX and they were paid directly a long months ago. XXXX said they notified the collection agency about the payment once it was received and they should have never put this on my credit report in the first place.
Product: Student loan

My complaint with Sallie Mae is my required monthly payment is too expensive. I am required to pay {$1400.00} each month to Sallie Mae. This payment is more than one of my paychecks, and I am struggling to my my other bills and living expenses as a result. I have made one payment so far on XXXX XXXX, XXXX, and I am about to make my payment of XXXX. I have spoken to Sallie Mae representatives on several occasions to lower my monthly payment, but I have been unsuccessful. The representatives stated that there are three options to assist with paying the debt : deferment, forebearance and interest-only payments. I have utilized the first two options and I am not eligible to use the third option. One representative suggested that if I let my payments go into collections, the collections department can work with me. Id rather not allow my payments to go into collections as this will severely damage my credit and future. I was very disappointed that this is the only option they could offer me. I utilized the forbearance for the full 12 months because I was laid off from my job, which resulted in my finances being severely set back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX  ( U.s. Department of education ) Account # XXXX, ( U.s. Department of education ) Account # XXXX, ( U.s. Department of education ) Account # XXXX ( U.s. Department of education ) Account # XXXX ( U.s. Department of education ) Account # XXXX ( XXXX XXXX ) Account # XXXX ( XXXX XXXX ) Account # XXXX ( XXXX XXXX ) Account # XXXX ( XXXX XXXX ) Account # XXXX ( XXXX XXXX ) Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX ( U.s. BANKRUPTCY COURT Case # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person. I demand that this incorrect, inaccurate, and unverifiable information on my credit report be immediately removed, this is a violation to FCRA. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XXXX