23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I started the process to refinance our current mortgage ( with Mr Cooper ) and obtain a home equity line of credit for an addition on our home on XX/XX/2020. We were helped by XXXX XXXX from Mr.Cooper, our mortgage company, whom led us through the beginning of the process to start our refinance and credit line. He told us our credit was outstanding and we should do a different type of loan that would lower our monthly payments. He then told us we have to pay a fee from XXXX whom they ( Mr Cooper ) solely uses for appraisals. I paid the fee immediately, putting my trust in our mortgage company. They sent a woman to appraise my home that, not only, ran through my home without asking questions in under 5 minutes missing many key points of upgrades done, but also used unrealistic comps for my home. Before she left my home, the day of the appraisal, she asked me if I had any comps for my area. Strange, to say the least, especially after I paid XXXX to my trusted mortgage company to hire someone to ask me to do her job. I received the appraisal that was dramatically lower than what it should have been. I handed the appraisal over to a local realtor and appraiser, that laughed at the appraisal stating this is insanity! The woman hired by Mr Cooper Mortgage comped my home with comps that are abundantly less, not only figuratively and cosmetically to my home but that had variances on the property, in flood zones and on slabs. 
I sent in a request to revise my appraisal to XXXX ( the manager at Mr Cooper ) that told me my issue would be escalated in the company. I received a call from XXXX stating the appraisal was in review due to the fact it was indeed wrong. I received the new appraisal just 3 days later stating they increased the value a measly XXXX. Without sending a new appraiser, still using the same unrealistic comps. This company is completely NEGLIGENT and does not care to correct their appraisers after they admittedly state there is an issue with whom they forced me to pay to appraise my home and asked ME FOR COMPS! This business is horrible and misleading. Then they use the excuse its the law we can not use any outside appraiser why???? Why because they will state the truth not getting paid on the side to LIE about the worth of a home?????? Shame on this business.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX  XXXX, XXXX XXXX, has violated my rights.

15 U.S.C 16581 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

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX  # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX # XXXX, has violated my rights. 


In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX 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 an account without my written instructions The following accounts are all fraud and need to be deleted from my credit file immediately.
Product: Credit reporting or other personal consumer reports

The credit card from the creditor on my credit report named like XXXX  on my credit report on the XXXX, XXXX and Equifax Refuse to close the account and report to the credit bureaus show the account close on the credit agencies Even though the account at my request to closed on XXXX and I contacted them and they said they couldn't do anything, that it wasn't their responsibility and that I should talk to the credit agencies.
Product: Credit card or prepaid card

Chase Credit Card Company. 

My closing date for the period was XX/XX/2018. Payment of {$6600.00} was due XX/XX/2018. I had enrolled in online auto payment of full amount. On XX/XX/2018 I purchased something at XXXX XXXX for {$100.00} and returned it two days later. On XX/XX/2018 I received credit from XXXX XXXX for the full amount of {$100.00}. On XX/XX/2018 they deducted {$6500.00} from my checking account for the auto pay ( full amount minus a XXXX XXXX credit ). I had attempted to modify this payment so that it would deduct the full {$6600.00} that should have been deducted. Due to some technical errors they deducted both XXXX and {$6600.00} from my checking account ( the current month balance was approximately {$3000.00} therefore I was in the plus over {$3000.00} on the account ). 

If there are protections in place to force me to stay within my credit limit ( a hold is taken against my credit before the transaction posts ) then I believe there should be protections in place that prevent me from paying twice. They need to take a hold against any payments that would allow me to double pay my account and prevent me from paying twice or overpaying. It is ridiculous that they have a process in place to protect themselves from the consumer over using credit ( their detriment ) but nothing in place to protect the consumer from over paying ( their benefit ). 

I only asked them to change their practices to prevent future harm to consumers but I was scoffed at and belittled. Please, you are the only people who have the power to help me change this unfair practice by Chase Credit Card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have identity theft, there is a credit card that is not mine on my credit report from XXXX Bank that is not mine which was Opened XX/XX/22. I called the bank and they will not close or freeze the account without the application ID. I had filled out an application for a XXXX XXXX card in flight XX/XX/22 and you give the application to flight attendant. The bank told me the card only has my SS and they need me to call Experian. 
I have tried for 2 days and can not get a person on line only a recording that disconnects me eventually. I have spent hours trying. I called XXXX and they said I need a person at Experian but how? I was trying to save them {$16000.00}, help!! 
There is an incorrect name on my credit report, I do not know if this is part of it, if I could speak to a person and have it removed.
Product: Credit reporting or other personal consumer reports

Can you clarify my concerns regarding lease XXXX on XX/XX/XXXX charge-off/ written- off amount of {$5800.00} Acima stated no 1099c was issued to me because Acima did not use this method to write-off lease but never disclosed what method was actually used? So today I ask was any THIRD- PARTY recovery, reimbursement, tax credit/deduction issued for this unrecoverable debt? Please enlighten me but my understanding of A write-off is a business accounting expense reported to account for unreceived payments or losses. A write-off reduces taxable income on the income statement. so that there is no confusion did Acima file this debt with the IRS to receive any tax benefit or has any insurance claim for this {$5800.00} debt been filed if so explain how Acima is able to receive any tax credit/ Insurance claim and still pursue me for full amount of debt and as of XX/XX/XXXX report debt as pass due with a balance of {$5800.00} to XXXX credit agency ?
Product: Credit reporting, credit repair services, or other personal consumer reports

There are numerous items on my credit report that arent mine. Ive contacted the hospitals and they dont have the records Ive disputed the claims but they are still on my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I was told Wells Fargo did not loan on XXXX. I asked for my approasal fee back on XXXX XXXX. I got several different answers as to when I would receive my money back. First supervisor told me 7-10 business days. On the 10th Business day I was told it had n't been formally denied so the refund could not be processed. I spoke to the supervisor 's supervisor and was told the loan was in underwriting and would be for at least another week. At that point they could start the 7-10 day process.
Product: Mortgage

I applied online for a home equity loan through Discover Home Loans and was approved for {$50000.00}. I submitted everything required at the time such as XXXXXXXX XXXX XXXX  everything pertaining to my home such as insurance, etc and received an email asking me to call them which I did. I went through everything with a personal banker and was told everything looked great including my XXXX ratio and I intended to pay off all my debr and I wouldn't mind it being down at the closing. Finally I was told I needed to have about {$1500.00} in reserves in order to close since my credit score was XXXX and although they accept scores as low as XXXX this was policy. A gift was allowable and less than a week submitted my final docs through their online portal. I called them after sending to see how long the process would take and was told it would be reviewed by an underwriter within a week. I also uploaded an explanation letter explaining why my one credit card had such a high balance and more information about me and my spouse who is also XXXX and of the XXXX XXXX. It was then that I noticed a much different tone to XXXX XXXX of when I got the denial was a day later and only because I logged into my account. The most recent " personal banker '' literally argued with me over the denial stating it was because my XXXX ratio was too high. I asked if they " grossed up '' XXXX income and she told me they did but my XXXX ratio was over 50 %. That is INCORRECT and. with just my income and my housing expenses etc my DTI is 39 %. Discover states on their site that it must be less than 43 %. Using household income it is 26 %. No one informed me of any issues and every document was checked offf on. I truly believe that Discover Home Loans discrimuated against me and my spouse after I admitted we were same XXXXXXXX XXXX XXXX XXXX. Modifying our home was what I planned on doing and believed that the remaining steps were formality. No one will talk to me or offer options and will not reconsider the fact that their calculations are incorrect. XXXX XXXX XXXX XXXX XXXX for many years before becoming XXXX. I was misled and wasted several weeks and an iquiry on my credit report only to be dropped for no other explanation then Discover didn't want us as borrowers
Product: Debt collection

I have made numerous contacts with Credit Bureau Systems ( CBS ) regarding inaccurate medical debt being reported on my credit profile. The account balance was the financial responsibility of my secondary insurance company, XXXX XXXX XXXX. 
The client of CBS, XXXX XXXX XXXX, had all Coordination of Benefits information at the time of the service and billed numerous other visits to both insurance providers in the same time period. CBS states they will not contact their client for proof of timely filing and claim submission. When disputed, they report this information as verified and accurate to XXXX because " their client says that is the balance due ''. I have made numerous attempts to coordinate communication between CBS and the responsible secondary insurance provider. 
The provider agreement between XXXX and XXXX XXXX XXXX " The Provider also acknowledges and agrees that at no time shall Enrollees be responsible for any payments to the Provider with the exception of Enrollee expenses and/or non-covered services '' The balance is either the responsibility of XXXX XXXX for failing to meet timely filing guidelines, or of XXXX XXXX XXXX if the claim was filed but payment was not made. 
Failure of Credit Bureau Systems and XXXX to conduct a thorough investigation into this matter, and to continue reporting inaccurate information is an infringement of rights under the FCRA.
Product: Credit reporting or other personal consumer reports

I have 1 inquiry in my XXXX credit report from XXXX made on XX/XX/XXXX, i have never authorized this. 

Several credit inquiries in TransUnion and XXXX that I have NOT authorized : 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
Product: Debt collection

XX/XX/2023 I was I notified by my Identity Theft protection company that there was an alert placed on my Transaction credit report attempting to collect a debt. This company never notified me by mail of this debt. I am not sure how this company obtained my personal credit information not to mention my name or social security number. I have never heard of this company nor have I ever done business with this company.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have been a victim of a data breach, which has resulted in unauthorized accounts and inquiries being added to my credit report. As a result, I am requesting that all fraudulent accounts and inquiries listed below be blocked and deleted in accordance with my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts to Be Blocked and Deleted : XXXX - XXXX - XX/XX/XXXX - {$13000.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$450.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$5200.00} UNAUTHORIZED COLLECTION - XXXX - XX/XX/XXXX - {$76.00}
Product: Debt collection

I am not liable for the Navy Federal Account # XXXX. It is my husband 's account. I filed Bankruptcy on XX/XX/XXXX and it was discharged on XX/XX/XXXX. I currently should not have any Charge Offs on my credit file at all. The date the first major delinquency occurred was in XX/XX/XXXX for my husband 's account. Instead, Navy Federal chose to place the date of filing to re-age the debt this is illegal. They are also furnishing erroneous information disputed to the Credit Bureaus intentionally a violation of my rights under the FCRA. They are showing a Charge Off with a balance due on an account that was my husband 's included in his bankruptcy filing trying to make me responsible for his debt. The attached dispute is the XXXX XXXX is over 45 days. Navy Federal verified the information on the report as valid when it is not. Multiple legal violations of FCRA and of my Chapter XXXX injunction, intentional misrepresentation of a debt to attempt to collect. They also re-aged the other account modifying the date of first major delinquency. Notice the account was added after my husband XXXX filed for Bankruptcy in an attempt to collect the debt.
Product: Payday loan, title loan, or personal loan

Previous request for paper work before loan was transferred to about 2 other collections agency and payments made to them before it was transferred to another agency. I have sent 2 certified request on XX/XX/18, and XX/XX/18 both show signed by office, for copy of the loan documents showing interest rate and amount owed, was this a {$500.00} loan that now shows {$2600.00} after payments.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Date : XX/XX/year> To : FactorTrust , IncXXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Update Public Records with Phone Number Dear FactorTrust Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Thank you for your attention to this matter. Please feel free to contact me at XXXX or via email at XXXX if you have any questions or need further information. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint 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 process5.8k 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 redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up of the previous CFPB complaint I submitted to the Credit bureaus requesting the removal of the fraudulent accounts and information from my Credit File. I have read that under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove the disputed accounts and information from my Credit File. I also sent another Dispute letter last XX/XX/XXXX, requesting that the Credit Bureaus remove the disputed accounts and information from my Credit File, My dispute letters has complete attachments of my personal information as well as the IDTHEFTREPORT I received from the FTC. I have been disputing for the removal of the fraudulent items and yet the Credit Bureaus have done nothing. Once again, I need the following accounts and information removed from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX A XXXX CT XXXX, MO XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXX A XXXX, MO XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MO XXXX XXXX XXXX XXXX Balance Owed : {$210.00}
Product: Debt collection

XXXX has issued on my credit report a deliquency of {$870.00} that is NOT MINE. I have never lived at the address of XXXX XXXX XXXX, XXXX, PA XXXX. I have tried getting this resolved by going to the XXXX center XXXX 3 times. I have called numerous times, I have filled all the necessary fradualant paper work, I have obtained a XXXX police report, I have everything documented and notarized. The charge is showing up on my credit report which is making my XXXX score low which has now affected my wife and I to receive a loan we are currently in the process of obtaining. I have all proper documentation stating that the person with the same name has a different age, different birthday, different ss # as myself. I need to know what my rights are. I have contacted an attorney and if I ca n't resolve this issue I will be filing a law suit against XXXX. XXXX has already admitted that the charge was put onto my account by the collections department ... .the person with the same name never tried to put service in my name. Therefore it was an error on XXXX behalf. They need to fix it. My wife and I have been put through XXXX trying to attempt to prove my innocence that this is not me nor my charge. We are the victim and we are treated like the criminal by XXXX.
Product: Checking or savings account

I have a savings account with Barclays Bank. I am trying to add my external account to do accommodate an external account transfer. The bank has a hold on my account as they state they can not verify the external bank account. They have requested I send my statement, which I have done, but now they are stating they can not access the state which was sent. I have sent it XXXX times, without success. They will not provide my withdraw without this information. 



It has been more then XXXX days since the commencement of this process
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting transunion, XXXX  and XXXX  regarding several accounts that are both fraudulent and some incorrect. They continue to disregard my information and LIE. saying the information is valid. They have caused me stress for many years and i need additional help to please fix these issues. Attached on this complaint is proof of receipt that i owe a XXXX balance. Also proof of the employee who sent the receipt who still currently works for XXXX. And lastly a incident report because XXXX has forced me to contact the police to resolve this matter.
Product: Money transfer, virtual currency, or money service

I am filing a complaint 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 an 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 resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I mailed in a communication to Experian to look into some accounts on my consumer report that I believe are inaccurate. I asked them to investigate the accounts to ensure they contain the maximum possible accuracy. 

To date, I have not heard about any specific action taken by Experian regarding the items I had identified in my consumer report as inaccurate or unauthorized, nor do I see any changes to my report. 

The FCRA also includes what should be excluded from a consumer report. 

Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) Permissible purposes of consumer reports, ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I did not give anyone at Experian written instructions to furnish any of these accounts to my consumer report. 

Experian has violated multiple laws within the FCRA, and they are not complying with these laws in a timely manner. 

The accounts in question are as follows : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX