23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXX XXXX XXXX XXXX is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to TRANSUNION by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Credit reporting or other personal consumer reports

I demand that the XXXX XXXX inquiry be deleted from my credit report as the information is still being incorrectly reported on my credit report. It needs to be removed immediately from my credit report. It has been reporting on my consumer report since XX/XX/year> even though no consumer credit transaction has taken place. Any/all further inquiries posted on my consumer report MUST have my written consent. ATTENTION : Following deletion of these accounts and/or data, please send me a free copy of my updated consumer report reflecting the changes that have been made.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB step up, The account was not late on the months reported on the my credit report. How can it be possible having a late payment status and charge off all on the next month?. This is simply ridiculous. Please delete this illegally or improperly reported information without delay permanently as you are required to do to become or remain in metro compliance yourself regardless if or not the reporter alleged is in compliance or not..CHILD SUPPORT ENFORCEM XXXX
Product: Credit card or prepaid card

Reserved and paid hotel travel with thank you rewards trip ID XXXX member ID XXXX. Reservation was subsequently shortened one night, documents confirming this requested by and provided to citibank, case file # XXXX. Many subsequent contacts initiated by me with refund of {$140.00} promised each time- never received.
Product: Debt collection

Were being communicated by a debt collector, Convergent Outsourcing , Inc, that we owe money for an XXXXXXXX XXXX that was purchased with stolen information of my identity. The purchase was made in XXXX of XXXX using a fake email address and a deposit placed on a credit card with the last four digits of a card that does not belong to me. The XXXX was apparently leased through a company named XXXX XXXX, XXXX, which we have no clue where this company is located at. Ive had the same XXXX, since XXXX and Im on a plan with my son through XXXX XXXX XXXX. Ive never needed a new phone. 

We have filed a claim with the local police department regarding this identity theft & financial crime. I have communicated to the debt collector that this was due to identity theft by using steps provided by the FTC website to ensure that they stop any collection activity and stop and credit reporting based on these events. However, they consider this debts valid but on what ground? The fact they have have my stolen info and a fake email and a credit card with no ties to my name for a deposit?
Product: Mortgage

RE : Mortgage Refinance Loan Wrongful Denial.
I applied for a Loan with Bank Of The West ( BOTW ), on XX/XX/XXXX. This Loan application was Wrongfully Denied on XX/XX/XXXX. I will provide several reasons why ( XXXX XXXX appraisal ) appraisal on XXXX XXXX XXXX XXXX.
XXXX, CO XXXX, should have appraised for {$500.00} or more than the appraised {$96000.00} value and why I feel this loan was Wrongfully Denied. I will provide an explanation with documentation why ( XXXX appraisal ) appraised {$96000.00} value on ( XXXX XXXX XXXX XXXX. XXXX, CO XXXX ) should have been enough to qualify loan for 4 % interest. Balance on XX/XX/XXXX is actually {$540.00} less than the balance on transaction history in ( XXXX ) Enclosure, page 3. I received the first copy of ( XXXX XXXX appraisal ) " Date of Signature and Report XX/XX/XXXX '' in the mail from BOTW on XX/XX/XXXX stating appraised value of {$96000.00}. I noticed statement in this 1st copy of appraisal claiming that the ( Cost Approach Value ) of {$99000.00} supports the ( Sales Approach Value ) of {$96000.00}. I made a complaint to XXXX XXXX on XX/XX/XXXX about the appraisal stating : My '' Garage/Carport is listed as 405 Sq Ft at {$37.00} Sq Ft equaling {$14000.00}.
My '' Garage/Carport is actually 1,152 Sq Ft at {$37.00} Sq Ft equals {$42000.00}.
I received the second copy of ( XXXX XXXX appraisal ) " Date of Signature and Report XX/XX/XXXX '' via BOTW online portal.
This appraisal has a {$27000.00} correction that increased the ( Cost Approach Value ) {$17000.00} on appraisal.
Appraiser and XXXX XXXX insist this {$17000.00} increase to the ( Cost Approach Value ) to {$110000.00} still supports the ( Sales Approach Value ) of {$96000.00} and does not change appraised value of {$96000.00}.
( XXXX XXXX appraisal ) enclosure - page 12, ADDENDUM, FINAL RECONCILIATION I disagree with XXXX XXXX  statement. The ( Cost Approach to Value ) of {$110000.00} supports an Appraised value much higher than {$96.00}.
I DO NOT consider the " effective age '' of my property " similar '' when my home 's " effective age '' is 19 years newer than Comparable 2.
There should be a {$4000.00} credit on Comparable 2 " Actual Age '' column, due to my property being 20 years newer than Comparable 2.
The incorrect statement of six ( 6 ) rooms above grade on the ( XXXX XXXX appraisal ) is a deduction that should have been credited to my property on the ( XXXX XXXX appraisal ). There for increasing the property 's value.
The driveway actually being CONCRETE should increase property value a minumum of {$500.00}.
Total Principle paid on balance after Loan application date of XX/XX/XXXX prior to Loan Denial is {$620.00}. There by reducing the amount the property needs to appraise for by {$620.00}.
Appraisal of {$96.00} should have been enough to qualify for {$73000.00} loan at 4 % interest proposed.
This Loan application was Wrongfully Denied!
THANK YOU,
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I filed a complaint against LexisNexis with the CFPB, Case # XXXX, about an erroneous reported bankruptcy appearing on my credit report. I requested they provide me with the original creditors name and telephone number, and who they spoke to that physically verified this account was indeed mine. 
On XX/XX/2018, I received a letter from LexisNexis stating they had indeed verified this account as accurate. I am writing this complaint to the CFPB to notify them that LexisNexis has violated my FCRA rights and I intend to pursue litigation against LexisNexis for monetary relief for this violation. 
In the letter sent to me, LexisNexis states they received verification of this erroneous verified bankruptcy from LexisNexis XXXX XXXX XXXX XXXX XXXX, a company which they indicate sells public records to a variety of customers, including consumer reporting agencies such as XXXX , XXXX , and XXXX . LexisNexis XXXX XXXX has no role in determining what public records relate to which consumer.

This is a violation of FCRA 611 ( 6 ) ( iii ) which I have also included in my complaint. LexisNexis did NOT verify the accuracy of this erroneous account with the ORIGINAL CREDITOR, which would be the US BANKRUPTCY COURT, but instead received it from a third party wholesaler of public records, who by the way, retrieved it from the XXXX system, which is a public records reporting system which legally in court cases has been shown to be notorious for reporting wrong information. I demand this erroneous bankruptcy be removed from my LexisNexis credit report IMMEDIATELY or else litigation for violation of my FCRA rights will be swiftly forthcoming!
Product: Credit reporting, credit repair services, or other personal consumer reports

To all of the below mentioned companies Ive sent letters and attempted contact with them for illegal possession and use of my report. They have refused to delete the inquiries using a dealership as a scapegoat Ive never heard of in my life. Not only this XXXX started a new trial membership under my name with my email address for a car I never owned. But once they realized I already had XXXX and didnt own any new car they quickly deleted the trial and new membership but these creditors mentioned below rather harm my score with unknown inquiries then do the same. 

XX/XX/2019 XXXX XX/XX/2019 XXXX  XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX   XXXX XX/XX/2019 XXXX XXXX AF XX/XX/2019 XXXX/XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX  XX/XX/2019 XXXX BANK XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX/XXXX XX/XX/2019 XXXX XXXX   XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I checked my report XXXX  noticed some accounts that are not mine I never opened these accoun ts and have asked fo info on how were they opened.
Product: Credit card or prepaid card

I have attempted for months with no resolve to collect my US Bank credit card rewards. 

There were at least XXXX attempts by me to get the resolved on the phone prior to the complaint directly with the bank around an hour on the phone with multiple transfers. 

US Bank Case Number : XXXX opened XX/XX/XXXX nothing resolved Call : XXXX Hour XXXX minutes on XXXX XX/XX/XXXX ( transferred multiple times ). I was told the account ending in XXXX is a billing account and the other rewards card attached was closed in XXXX ( that when it was open, see attachment ). I asked for the manger to provide me a date when it was closed and was told the bank closed it not me. My statements every month keep generating rewards which I believe was a way to keep me using the card. I am still using the card daily so it does not make sense the card is working.
Product: Mortgage

My mortgage was sold to Mr. Cooper mortgage company. My original mortgage XXXXXXXX XXXX sent the wrong escrow figures to Mr Cooper mortgage co. Mr Cooper sent us a check for XXXX so we deposited it. About a week later they put a stop payment on it because XXXX gave them the right figures. So I had checks bounce and my credit union froze my account
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I noticed Wells Fargo put a negative mark on my credit report because they stated I didnt make a payment on one of my school loans. I made the payment but it was posted to the wrong account. I contacted XXXX XXXX XXXX XXXX and they refused to remove it off my credit score and this dropped my score by 70 points, and Im trying to refinance my loans. Can you please assist me in getting this corrected
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have disputed XXXX XXXX XXXX XXXX XXXX  with not favorable out come. 
I am wanting to buy a home and I am unable to do so because of the the damages on my credit report according to 15 U.S.C 1681 section 602 A. Clearly states that 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.

This is a defamation to my name.
Product: Mortgage

I purchased a property in 2016 and financed through Flagstar Bank, and during this i did my property tax through an escrow as well. Flagstar Bank did not pay any of the supplemental taxes. I have a delinquent tax bill with XXXX County and I have to pay an amount of {$1400.00} on top of my tax bill to cover the penalties and other charges. I would like Flagstar to pay the penalties since this was never communicated to me and as far as I know- they still have n't made any arrangements to pay this bill.
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information listed in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not provided any written consent. I ask that the items kindly be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. XXXX advance thank you for your assistance.
Product: Debt collection

I cancelled my membership at XXXX XXXX. However they kept me as member for 4 more months. They sold my debt to collection company. Neither health club nor collection company did not provide me with any papers verifying my debt, membership status, payments etc. I sent multiple written requests to collection company asking to verify the debt and send me a breakdown but never received a response.
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 XXXXXXXX XXXX XXXX XXXX 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 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 or other personal consumer reports

On about XX/XX/year> I disputed to all credit reporting agencies, of the incorrect information about money owed, on my personal loan and my two credit cards. As soon as I did that my prefect scores of XXXX XXXX XXXX, vanished, from my credit report. My Fico scores went from XXXX to were it was Unscorable, and into the XXXX, like starting me, from the beginning as a newbie. Ive had my two credit cards, for close to twenty years, with the same company, not twelve years like the agencies claims.Plus they have me as having three credit cards, not correct. I only have two. And One loan that Ive paid faithfully for over two years, they had the wrong amount owed on that too. I need this matter rectified and resolved immediately. Ive sent the three reporting agencies a letter of correction and theyve done nothing. Im concerned, as to why arent these agencies not correcting their errors. And I thought that those credit agencies were full proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair reporting credit act ; The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Accounts : XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX 15 USC 1681 Section 602 A. States I have a right to Privacy.

15 USC 1681 Section 604 A Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions 15 USC 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 7 years.

15 USC 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: Mortgage

We received notice that Specialized Loan Servicing ( SLS ) had processed an escrow anyalsis for our mortgage loan and determined we had an escrow surplus. SLS issued an escrow refund check for $ XXXX and our payment went from {$5000.00} to {$4100.00}. I then noticed on that stement dated XX/XX/2024 that SLS was only holding out {$350.00} for our escrow and insurance and knew this would not meet the requirement to pay taxes and insurance as we had just paid over $ XXXX in property taxes. I called SLS in XXXX and made them aware of the shortgage. SLS said they would run another escrow analysis which made our payment from from {$4100.00} to {$6100.00}. I called SLS and on XX/XX/2024 and asked how do I pay back the escrow funds and she stayed on the phone with me and told me to login to www.sls.net and go to the escrow shortage screen and that I would need to pay {$8200.00} to get my payment back to the {$5000.00}. I paid the amount {$8200.00} which was the default amount showing. However, now my payment is {$5500.00} and the XXXX XXXX said I needed to pay $ XXXX back to get my payment back to the {$5000.00} ; that I still needed to pay another $ XXXX. I wanted to know why I had to pay back $ XXXX when they only refunded $ XXXX. SLS CSR kept saying they had mailed information on the $ XXXX to date I have not received any documentation referencing $ XXXX escrow shortage. I want my payment to the original amount {$5000.00} and I do not want SLS processing anymore Escrow analysis when they admitted to making a mistake with the first escrow analysis they processed and refunding escrow money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 1666B : XXXX XXXX XXXX : Account number : XXXX XXXX XXXX XXXX : Account number : XXXX XXXX XXXX XXXX : Account number : XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of certain inaccurate items from my credit file. A list of these items is attached in a separate document for your reference. 

I am a victim of identity theft and have discovered multiple unauthorized accounts and inquiries on my credit report that I did not apply for. I respectfully request that these fraudulent items be removed to ensure my credit report accurately reflects my financial history.

I have reported the identity theft to the Federal Trade Commission and have enclosed copies of the report as supporting documentation. In accordance with Section 605B of the Fair Credit Reporting Act, I request that you block this fraudulent information from my credit report as soon as possible. 

Please confirm receipt of this request and provide an update on the status of the deletions at your earliest convenience.
Product: Credit reporting

I got an update on Transunion that the score has changed. Upon checking, I noticed that XXXX points dropped for NO REASON. Why would my score drop for no apparent reason? There are no new information on the credit report. I would like to know why my score dropped for no reason. I am applying for mortgage and can not get qualified because of your incorrect scoring.
Product: Debt collection

I was contacted by XXXX XXXX several times and so was my husband and other parties. They stated that they were filing action against me for fraud. They would contact me at work before XXXX and when I requested a debt validation letter they only stated they would email it to me even when I requested this by mail said he would not send it via 'snail mail '
Product: Mortgage

I started working with Amerisave in XXXX, 2020 to refinance my current mortgage. I was quoted current rates and told the process should take approximately 2 months. the application fee was {$500.00}. We decided to move forward and the process was very disjointed and cumbersome. I received 3 or 4 disclosures and probably got 20 separate requests for information by text and email, all of which were answered within 48 hours. Each time, the points increased. It felt like a bait and switch. I was told on numerous occasions that we were about close. I had heard this so many times I decided to withdraw my application and start again with different lender. Based on their failure to close on a timely basis, poor process and lack of candor, I feel am owed a refund. The loan originator was XXXX XXXX. 

The information requests came by text, email, phone call, and their website. I would think Amerisave could provide a copy of all correspondence and recorded calls, if necessary.
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 ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected from hackers. Furthermore, their dispute resolution process was very unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX ) and XXXX XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.