23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Subject : Concern Regarding HELOC Appraisal Process with Discover Bank I am writing to address some concerns I have regarding the recent appraisal process for my home equity line of credit ( HELOC ) application with Discover Bank. 

During the initial stages of the application process, my home was valued at {$800000.00}, which positively impacted the offered interest rate. However, I was surprised to find that the subsequent appraisal conducted by Discover was only a drive-by appraisal, resulting in a significantly lower valuation of {$620000.00}. This disparity had a substantial impact on the terms of the HELOC. 

Despite expressing my reservations about the accuracy of the drive-by appraisal, Discover declined to conduct a full appraisal or consider alternative valuation methods. Additionally, they refused to accept another appraisal to provide a second opinion on the property 's value. Instead, I was informed that I could only challenge the drive-by appraisal, with little likelihood of affecting the outcome. 

I am concerned that Discover 's handling of the appraisal process may not align with industry standards or regulatory requirements. I believe I have not been given a fair opportunity to obtain an accurate valuation for my property, which is essential for securing favorable terms on my HELOC.

I would appreciate it if we could discuss this matter further and explore potential avenues for resolving these concerns. Please let me know a convenient time for you to discuss this issue in more detail. 

Thank you for your attention to this matter.
Product: Debt collection

I was on XXXX XXXX in the XXXX XXXX XXXX in the late XXXX. In the early XXXX 's, I obtained a credit card from Capital One and due to service-connected XXXX, I could not maintain employment to continue payment. The debt was quickly charged off ( XX/XX/XXXX XXXX XX/XX/XXXX ). 

Many years later, I was able to reestablish credit through them, but faced the same disability-related problem with repaying the debt. That debt was also charged off ( XXXX ). 

In XXXX, I decided to reestablish credit through bankruptcy to protect my assets. I filed a petition with the US Bankruptcy Court XX/XX/XXXX. Capital One was a creditor on this petition. In XXXX of XXXX, I paid the bankruptcy remaining balance off and was properly discharged from those debts. 

I tried to obtain credit again, but was told by one creditor that Capital One had not been satisfied. I immediately contacted all three credit bureaus and they confirmed this information. During the disputed investigation, I learned directly from Capital One that they had placed both accounts ( XXXX, and XXXX ) in bankruptcy to collect. I had been under the assumption that it was only one account, since that what showed up on my petition. The XXXX yr old debt was the one still showing as Derogatory/ Outstanding. Capital One told me that they had " slipped '' the XXXX account in the bankruptcy with the XXXX debt in an attempt to collect. I am now reading to find out that this was illegal, that the statute for debt collection in any form in Tennessee is XXXX yrs. 

Capital One kept asking me for my mailing address, and I refused to supply it, telling them I am not in any debt obligation to them. They stated that they were no longer collecting, but only wanted to " send me letters updating me with the dispute status ''. I gave it to them, trusting them one last time. I contacted XXXX and they informed me that Captial One is showing as still trying to collect.
Product: Credit reporting or other personal consumer reports

I reached out to XXXX, Equifax and XXXX in XXXXXXXX XXXX XXXX  regarding information reporting on my credit report that I can not identify as being mine. They stated I needed to file an Identity theft report regarding the inaccuracy of my report. On XX/XX/ I mailed off Certified documents such as my FTC.Report, drivers License, social security card, proof of residency, a notarized affidavit report and a personal letter supporting the fraudulent Activity. They responded after the 30 days allotted time and said I needed my supporting information for my identity theft. I have filed yet another identity theft report as well as an Equifax Breach Report that supports my information has been compromised and I do not know of the accounts or inquiries reporting. These are the COMPANIES AND ACCOUNT NUMBERS and inquiries as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a case a month ago indicating that incorrect information was being reported to all three credit reporting agencies from this company. After pulling all three of my reports this still has not been corrected and I have been provided with nothing to support the information they are reporting is correct or that this problem has been resolved. I have opened a case with the TN state attorney general office as it relates to this issue. Since it appears that opening a complaint in this forum has not prompted the company to correct the inaccurate information being reported to XXXX, XXXX and XXXX. I hope the State attorney general office will enlighten them to correct the issues.
Product: Credit card

I have applied and was approved for a new XXXX card on XXXX, using a promotional offer which required me to spend {$3000.00} on the card within three months of account opening to receive XXXX Membership Rewards points. I have completed the spending required in XXXX and have received the rewards towards my rewards account, however, my account has been frozen since then " to review that all purchases meet qualification criteria '' which means that I effectively can not use the rewards which I received after successfully completing the spending required for the offer ( and paying the {$450.00} a year annual fee ). My account is in good standing and I have paid all the balances on my account. 

I was told that the review takes 8 weeks but it has been more than that at this point and my calls to XXXX did not resolve the issue. Please help me unfreeze my rewards account to make use of my rewards points.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Equifax are in violation of 15 USC 1681 subchapter III, Section 1681i Procedure in case of disputed accuracy, Treatment of Inaccurate or Unverifiable Information. If, 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. 

I have attached documentation from XXXX Credit Report that shows XXXX, XXXX, Equifax did not complete a through investigation, the information is incomplete, inaccurate, and could not be verified, but they kept it on my credit report anyway. The account numbers are different, date opened, last reported date, comments, monthly payment, account status, and the account type to name a few. Each credit agency has different information, so how could they have done a through investigation. delete all accounts with inaccurate information immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted two letters to Equifax regarding a dispute and this still has not been resolved. Most recently I have sent another letter via certified copy and EQUIFAX has yet to resolve this account or even provide an update with a resolution. 
Being that this is my third request, and it has taken more than 30 days I request to have this account removed from my Equifax credit report immediately. 
Additionally, Equifax identified me as a data breach risk and being that this is the case Equifax should be removing this account ASAP!!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, XXXX the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX. A personal credit card account opened at XXXX on XX/XX/XXXX, XXXX accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 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

To WhXXXX XXXX XXXX XXXXern : I have XXXX unknown accounts that I never applied for showing on my credit file. these following accounts are not mine please delete/remove XXXX  XXXX # XXXX. I wanted to inform all parties that in the XXXX XXXX ( XXXX ) days I have contacted the XXXX XXXX XXXX. I explained in my letter that, you, as a XXXX XXXX XXXX, have not complied with any of the Laws under the FRCA Laws 605b Identity and 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information. I am demanding that you remove all inaccurate accounts from my credit profile in the next XXXX ( XXXX ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financially liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance, your agency has yet to respond to my questions and statements of the Law. Please delete the following unverified fraudulent account : : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently looked at my credit reports and I noticed that you are reporting some late payments that are NOT accurate and I would like you to update these late payments to ON TIME PAID AS AGREED, I have listed the account name and the account number below along with the date you are reporting late, and those dates need to be changed to PAID AS AGREED. 
This account has been on auto pay since it was opened so it is impossible that this payment was late. I have NEVER been late for this account! 

Your company may be liable under the FCRA, violating 15 USC 1681n and 15 USC 1681o for non-compliance. 

Only accurate information is to be included on Comsumer reports as the banking system itself depends on it. Please update this account to paid in full immediately. 

XXXX XXXX XXXX Please fix this immediately as it is hurting my chances of buying a new home and these late payments are NOT Accurate. 

Thanks for your help, XXXX
Product: Consumer Loan

I have been sued and a judgement against me. I never knew about the judgement, as I responded but never got a court date to appear. the statue of limitations has passed. When trying to set up payment arrangements I never received any type of office to send the monies. I have now relied a notice of Application for Appointment of receiver. I can not get ahold of either of the debt collector attorneys.
Product: Credit reporting or other personal consumer reports

This is my 12th endeavor 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 XXXXXXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$6600.00} XXXX XXXX XXXXXXXX Balance : {$22000.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$6600.00} ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4500.00} 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

I am filing a complaint regarding inaccurate personal information on my credit report. Specifically, I have disputed inaccurate entries related to my [ e.g., name, date of birth, address, account status, and employer details ] with the credit reporting agency XXXX XXXX, and Experian, but the incorrect data has not been removed or corrected, despite my previous disputes XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXX/XX/year>. I believe these inaccuracies violate my rights under the Fair Credit Reporting Act ( FCRA ), particularly Sections 611 and 623, which require the credit bureau to accurately report my information and investigate disputes in a timely manner. Additionally, I have not received any satisfactory resolution or response within the 30-day investigation period required by law. 

I have provided all necessary documentation to support my dispute, including copies of my government-issued identification, utility bills, and other supporting documents, but the incorrect information remains on my report.
Product: Vehicle loan or lease

I applied  XXXX / XXXX / 17  which I was declined due to incorrect information on my credit file. I then applied again on  XXXX / XXXX / 17 . I contacted  Wells Fargo explaining the information on my credit file was not correct. I challenged the information on my file which was removed, contacted Wells Fargo Executive Office, and  was told to re-apply thus they would pull the corrected credit report. I did so  XXXX / XXXX / 17 , I explained this to the agent on the phone and assured me that this would happen. Upon calling back, I was informed that I was declined for the same reason as the original with the incorrect information which had been removed and verified that  Wells Fargo had not pulled my updated credit report. I called back and spoke with a manager. He th en escalated the issue to underwriting who refused to pull the corrected information. Thus, in violation of the FCRA, I was placed in contact with  XXXX  from the  Executive Office at this time. I did inform Wells Fargo that this would be escalated to t his office.
Product: Money transfer, virtual currency, or money service

Chime 's Reference # XXXX On XX/XX/2023, I communicated with six individuals, and the issue remains unresolved. Why? On XX/XX/2023 at XXXX XXXX I transferred {$25.00} to XXXX ( XXXX ) XXXX. According to XXXX XXXX she did NOT receive the {$25.00}. However, she sent me {$1.00} and I returned the {$1.00} ; that account was identified as XXXX XXXX The other account involving the {$25.00} is identified as XXXX XXXX. 
Muliple times I requested proof of the name and telephone number associated with the account where my {$25.00} went. 

Chime does NOT have an option to cancel a transaction nor do the app provide the name and telephone number associated with accounts as other mobile money apps. 

All of my efforts have been fruitless, but I refuse to allow Chime and its associates to deny me the documentation needed to substantiate where my money went. 

Chime refuses to refund my money; and I was informed that the company is legally obligated to provide information regarding this transaction, in an effort to have my money refunded. Please note I will continue to pursue all available resources to receive my {$25.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

After checking my report with Experian I found several accounts that either weren't mine or had been re aged. I started disputes and successfully moved them from XXXX and XXXX XXXX however Experian wont remove them. They give no details on the investigation and just simply state " That the dispute has been investigated and updated '' yet the accounts remain. When I call they seem more concerned about selling me products and services rather than resolving my issue. After refusing the purchase of services I just get transferred and sit on hold for 45 minutes to an hour.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I was contacted by the prson who ended up being the scammer. I was contacted to purchase two items that I had for a=sale on XXXX told the person they would have to pay me cash, but the person told me that was too much money for a cash purchase ( around XXXX ) so they proposed they would pay me from PayPal. I agreed so they told me they would send me Paypal money. but then the buyer said they had a Paypal business account and since my Paypal was a personal account they could only pay me in XXXX at a time. so they would send me XXXX and I would send them back XXXX So the man sent me emails telling me how to send them the money. I filled out a PayPal for XXXX ( including fees ). the email said that if I wanted a Paypal business account they would help me get it. By the way, I never received the XXXX promised, but I did send them XXXX ( PayPal agrees on the amount ) To get a Paypal business account, I would send this Paypal person XXXX ( including fees ) and I would get money back into my account. The man told me what amount and to whom to send the money ( this was a fictitious amount [ a scam ) so I sent the XXXX to the man who I will name later So total I was scammed in the amount of XXXX. I told the story to Paypal with the fees and Paypal told me my bank had to agree and tell Paypal to reimburse me th money ( XXXX ). My bank told me Paypal had to reimburse me and Paypal told me they had to receive instructions from my bank. Neither happened which is why I am contacting you. There may be detail missing because I had to type everything over, because your form would accept a copy of my documents.
Product: Debt collection

I could n't afford the {$200.00} copay when I initially visited the FL hospital some time ago and was told I could worry about it at a later time. On Friday  XXXX   XXXX  around  XXXX   XXXX   ( mont hs later after my hospital  visit )  my sister sends me a series of panicked text messages asking me if I am ok be she had received a serious sounding call from an official type place that sounded government related and was all confused. I had no idea what she was talking about but she provided me with the phone number of  XXXX  ext  XXXX  and said they had asked for me. I called it and that 's when I realized it was FL Hospital collections looking for the stupid {$200.00}. I was totally embarassed. Everyone goes through a rough patch, but this company did n't have the right to put mine out on blast to my sister, while she was at work. I made up some bogus lie to my sister so she would n't know. I then called the number and extension provided and told them that they had no right legally to call my emergency contact from my medical file who is NOT financially responsible for me to attempt to collect the pathetic {$200.00} copay, especially my sister who was at work. I was absolutely 1000 % embarrassed and mortified. I then provided the woman my lawyer information as I am filing a chapter  XXXX  bankruptcy and requested not to be contacted any further. The woman who took my information said I would not be contacted any further. Since that day,  XXXX   XXXX , I have still been call ed 3 more  times regarding this debt by a different number :   XXXX   XXXX  2017 at  XXXX   XXXX   XXXX   XXXX   XXXX  2017 at  XXXX   XXXX   XXXX   and today   XXXX    XXXX , 2017  at  XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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 instruction.
Product: Debt collection

COMMONWEALTH FINANCE Collection/Chargeoff XXXX XXXX XXXX XXXX XXXX reported age of this account is 4 months and the open balance shows {$2000.00}. 

On my credit report I pulled up this inquiry for the above information and I have never hear or have any knowledge of what this would be and why. 

I have no records of ever receiving a notification via by mail or email nothing with this inquiry information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened my mortgage with XXXX XXXX, since i opened my mortgage with the above company i made payments from my business account to pay the mortgage and everything was going smoothly with the payment history. in XXXX of 2019 XXXX XXXX XXXX  bought the mortgages from XXXX XXXX and started to return my payments after a while i realized what is happing that fifth third bank is not accepting my payments. so i got in contact with XXXX  XXXX  XXXX  and ask why they are not my reporting my payments i am sending, they told me they can't accept this kind of payment because checks has to come from my personal account ... i complaint to the supervisor from XXXX  XXXX  XXXX  that its not legal to not notify me that they will not accept this kind of payments i was used to make to XXXX XXXX, because they didnt notify me of their changes in accepting my form of payment, they report lates on my credit report since XXXX of 2019. the supervisor of XXXX  XXXX  XXXX assured me he will take care of it and make sure XXXX  XXXX  XXXX  is reaching out to all 3  credit bureaus to remove the negative marks, till today XXXX  XXXX  XXXX  didn't reach out to the report companies to remove the lates.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligations under the fair credit report act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts resolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as falling to forward consumer- provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as XXXX inaction violates federal law and my rights as a consumer.