23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

in XX/XX/XXXX i reached out to td bank, because they were offering a 3 perecent interest on a seven year arm. The mortgage approval was a horror, they needed me to pay a fine from a previous owner with XXXX. I paid {$1500.00}, and then later found out it was not my responsibility. The mortgage was processed in south carolina, and at every turn i had to explain that the workup was not adding correctly. eventually i got the mortgage done. Then to my amazement, they tell me i can not manage my mortgage online the way most mortgages are managed. The only way to make principle only payments is to walk into a branch office. Each time i have to fill out a withdrawal slip and sign it? well on XX/XX/XXXX- i pulled XXXX from my checking to make a principle only payment. to my disbelief, they posted the XXXX as a suspense entry-it shows up in the history, and does not reduce my mortgage balance. I mean i have called and emailed them, they just do not respond. they made a mistake anerror, and six business days later they have not fixed their error. i have never wanted to pay a mortgage off so badly. Imagine if i did n't check my account regularly, they are technically stealing my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 Credit Bureaus after I purchased a credit report with XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were erroneous accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/XXXX. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, and XXXX and I am hoping that these accounts will be corrected. 

XXXX XXXX  XXXX Balance : {$780.00} ; XXXX XXXX XXXX XXXX Balance : {$330.00}
Product: Debt collection

Around the date of XX/XX/2020, I submitted a FTC identity theft report to remove fraudulent items off of my consumer report. 

When the credit bureaus corrected the necessary information, in XX/XX/2020, a company named Caine and Weiner somehow found my location information and communicated by post card to address me of an alleged debt. 

Caine & Weiner committed identity theft by obtaining my personal information that I did not directly provide to them or give them any consent to contact me. 

In the letter, they violated the The Fair Debt Collection Practices Act by using false, deceptive, or misleading representation or means in connection with the collection of any debt. They also used profane language amongst other violations that are listed below. 

Actions that were taken by me to the company was that I sent certified mail in the form of an affidavit of me notifying them that they are a debt collector according to the FDCPA ; that I'm a consumer and that they violated my privacy as well as communicated that they have violated multiple federal law codes.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Product: Mortgage

My mortgaqe servicer, PennyMac, has not paid the property taxes on my home. These taxes are included in my mortgage, and they are now 5 months past due. XXXX XXXX will file a lien on the property. I have spoken to PennyMac on multiple occasions, but they have stull refused to pay the taxes
Product: Debt collection

This loan was included in a 2009 bankruptcy under XXXX and now under Navient they are trying to collect as well as declaring me deceased, which I obviously am not. This loan was not valid as XXXX XXXX was supposed to recall full loan and school not attended due to illness which resulted in subsequent bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 US C 1681 Section 602 states, I have a right to privacy.

15 US 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 an inquire on my report I did not authorize   XXXX  / XXXX  I. nquiry   XXXX   XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 usc 1666b ( a ) It states that : a creditor may not treat a payment on a credit card account under an open end consumer credit plan As late for any purpose. 

Also I was not notified 21 days before the due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute and request the removal of inaccurate names, addresses outdated entries associated with my credit report. 
My legal name is ( First Name ) XXXX XXXX ( Last Name ) XXXX XXXX, however, I have noticed that my credit report contains variations of my name that are not accurate. I request that my legal name be used consistently throughout my credit report, in order to ensure accuracy and avoid confusion. 
Additionally, I have moved to a new address more than 2 years ago and updated my information with all of my creditors. However, I have noticed that some of my previous addresses are still listed in my credit report. My current address is XXXX XXXX XXXX XXXX XXXX Tx. XXXX, and I request that this be reflected accurately in my credit report. 
Attaching Proof Social Security Number Proof of identification, DL Proof of Address
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting an inaccurate payment history - payment history shows 92 % when it should be 100 % on time payment history with all the open accounts I have now. 

proof in the attachments : first : the inaccurate report of 11 missed payments second : the ACCURATE report of all on-time payments
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I was diagnosed with a total and XXXX XXXX. In XXXX I finally began receiving social security benefits for my XXXX. In XXXX I then started the process of filing for XXXX XXXX XXXX XXXX through XXXX the services of my loans. At first I was denied even access to the outsourced XXXX service providers information XXXX after finally receiving XXXX information I was advised of the incorrect instructions on how to file when my review date was scheduled for 5 years. Then I was denied the mailed copy of the XXXX report and appropriate help in filing out the report. Finally in XX/XX/XXXX my total and permanent XXXX was approved through XXXX. At which time I was advised that it would take 30 days for them to discharge my student loans and if it were to take longer I would receive in a writing a written notice from XXXX 30 days came and went after calling in 60 days to see what the hold up was I still was advised I just needed to wait longer. Its been 180 days now. In XXXX I was the victim of identity theft. This has been going on for many years as many companies including XXXX has allowed my personal private information to be accessed by online hackers I began examining my credit report. I have disputed the fraudulent activities of XXXX increasing my loan amounts and fraudulently claiming that my loans were in default. On XX/XX/XXXX I called in to XXXX and XXXX to see what I needed to do. After hours of phone calls with XXXX were the operators intermittently hung up on me, made fun of me lied to me, and generally harassing me purposely trying to trigger my XXXX I was told I would need to contact the guarantor of my loan myself before they would allow my two loans the claimed are in default over to XXXX for discharge. I have disputed the accounts with the three credit bureaus both XX/XX/XXXX and XXXX XX/XX/XXXX prompt and decisive action on the account not completely discharging them but not allowing these fraudulent purposeful errors to impact my credit anymore however transuion has refused. I spoke an agent at Transunion and was told I could not submit more documentation to prove my case I was told I could not pull another credit report due to there being an open dispute and I would see the notes on the dispute and I was told by Transunion they would not remove any of the student loan accounts holding, they are reporting four of my discharged student loans as being active and in default with serious delinquencies, they advised they would not take action on the misreported accounts even if I provide documentation until XXXX sends over confirmation the loans have been discharged. 


I need help. I am searching for attorneys at this moment. Please help.
Product: Credit reporting or other personal consumer reports

I received my credit report from XXXX, Experian and XXXX on XX/XX/year> and notice there were hard inquiries that dont have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violationg my rights under 15 USC 1681b. I also have attach the hard inquiries that dont have no purpose to be on my credit report. 

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

on XX/XX/XXXX, XXXX XXXX XXXX released the lien on the XXXX XXXX XXXX. they stated the lien was satisfied. they also released the title. I demand this entire account be deleted due to inaccuracies. pursuant 15 USC1681B, I do not give XXXX permission to furnish fraudulent information.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX. XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card or prepaid card

In XX/XX/XXXX, I called and spoked with a BOA representative, by the name of XXXX and requested she conduct 3 bank transfers from Bank of America : 1. {$2000.00} wired to my checking acct with XXXX 2. {$1500.00} transferred to XXXX credit card and XXXX. {$1700.00} transferred to XXXX credit card XXXX. The funds were released on XX/XX/XXXX, however XXXX credit card did not receive the transfer. For reasons unbeknown to me, XXXX issued a convenience check to XXXX Credit Card rather than a wire transfer like the others. According to BOA, the transfer was endorsed and deposited to XXXX XXXX on XX/XX/XXXX. I have since confirmed with XXXX that they did not receive the funds nor endorse the check and speculate that the check may have been intercepted. Please see copy of endorsed check. BOA and CFPB continue to report that XXXX received the funds and that the matter is closed. This information is incorrect. Please see enclosed XXXX Credit Card statements from XXXX and XX/XX/XXXX. 

I have yet to reach a resolution on this matter. Please see enclosed chain of effects.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23 I sent to XXXX, XXXX XXXX, and Experian an Exclusion of a Credit Report to their Dispute Department because they are inaccurately reporting late payments. I received nearly 2 months later a notice that my credit report has been updated with no clarification on what has been updated. Pursuant to 15 U.S.C 1681, Consumer reporting agencies shall follow reasonable procedures to assure maximum possible accuracy of my information.
Product: Credit reporting

My credit reports has my address wrong. My address is XXXX ca XXXX
Product: Credit reporting or other personal consumer reports

Ive contacted Equifax several times and mailed in over 30 documents to show my identity because the office of consumer affairs department with said there handling my credit file but I must prove my identity. I have over 20 fraud account on my credit file with Equifax and I'm not getting no help, I have sent in a FTC identity theft report and police report and a list of fraud account and addresses. no help. no response. please remove this fraud account off my credit file, 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 PLEASE HELP
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX 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. This fraudulent, inaccurate, and false information consists of Accounts : XXXX XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$2200.00}, XXXX XXXX XXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$1200.00}, XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$1100.00}. Inquiries : XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX These 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: Mortgage

Shellpoint Mortgage services my mortgage. They have an escrow account to pay my property taxes and insurance. There is {$3100.00} in the account. XXXX county, GA, where the house is located, has sent me a final notice that my taxes have not been paid. I have called Shellpoint and gone thru their confusing, inefficient, automated phone system. When I finally got to a real person they could only refer the issue to the tax department, not pay the taxes. Nor could they tell me why my property taxes haven't been paid or what they are doing with my money. The tax dept. is not 'customer facing '' and I am not allowed to talk to them. XXXX County will soon be putting a lien on the house and I need to know my taxes have been paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations.

Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of it's reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is as follows and must be deleted immediately, so please do so without delay : Alleged Reporting Data Provider -- > I C SYSTEM INC  Not Proven Compliant Account -- > XXXX
Product: Money transfer, virtual currency, or money service

I purchased  XXXX   Western Union m oney orders at  XXXX  in  XXXX  o f 2011. I d id not use them for the original purpose and they were set aside uncashed. I found them recently and decided to cash them to regain the face value of the orders, a total of {$38.00}. I was not aware that over time they are subject to a " service charge '' that ultimately consumed the entire face value of the orders, rendering them worthless. This is disclosed in fine print on the rear of the paper order, with no reference or asterisk on the front of the order to indicate such a disclosure exists. Upon cashing them in my regular checking account I received a letter that they 'd been returned, earning a return check fee from my bank as a result. That fee has been waived by my bank given the situation, however I 'm still less the {$38.00} in value. {$38.00} is not a significant amount of money to me and this complaint is being made to draw attention to what I believe is a deceptive and unfair practice. For individuals who have no alternative to using money orders this " service charge '' could be a significant drain on their finances and should at minimum be clearly disclosed or preferably not charged to begin with.
Product: Mortgage

Credit Denial, see XXXX/XXXX/XXXX letter attached ; based on low Appraisal, low AVMs valuations. No Adverse Action Notice sent. Communication denied. 

CFPB Dodd Frank law violations, which say regulatory violations are to be tracked and a root cause analysis done when violations are noted. 

Consumer is not allowed to question {$700.00} Report he paid for. See XXXX-page attachment, including my XXXX/XXXX/XXXX email to Lender 's President. 

Mine is a XXXX single-level home, on concrete slab foundation ; Comps XXXX and XXXX are steep XXXX-story homes, on stilts. Comp XXXX has XXXX-foot tall posts holding up living room and basement balconies ; home hangs off a narrow mountain edge. 

Calculation errors : Comp XXXX sale {>= $1,000,000} ; sold {$450.00} sf GLA, not {$730.00} sf GLA ; main floor XXXX sf, basement XXXX sf, total XXXX sf ; see Comp Comparison page. Appraiser falsely lowered my value with - {$240000.00} basement adjustment. 

See XXXX aerial of XXXX Comp XXXX, versus my level lot XXXX aerial, XXXX topo-rendering marked Comps ; attached. 

Did n't value " functional utility '', XXXX XXXX most important requirement ; XXXX is " location '' XXXX is " physical '' similarities. 

Did n't value " view '', an important buyers ' feature in XXXX XXXX XXXX XXXX XXXX ii, XXXX, XXXX homes. 

Comp Sales Time Period is to Short, using homes sold past 45 days. My XX/XX/XXXX Appraisal used 9-month old Comp. 

Lender determined Appraisal had expired ; see Letter XXXX/XXXX/XXXX, in XXXX-page attachment. 

No Expiration Date in XXXX Form XXXX XXXX XXXX Appraisals ; mine say borrower can rely on Report, and use it for another lender. XXXX/XXXX/XXXX case attached. 

Land is the value in my 40+ year old subdivision, not old homes. XXXX sf level land area, XXXX feet wide, sold {>= $1,000,000}, old XXXX-story home torn down to XXXX wall, XXXX XXXX XXXX, XXXX sf level area, balance vertical, sold {>= $1,000,000}, home torn down, XXXX XXXX XXXX. 

Lender 's appraisal management company is in violation of XX/XX/XXXX CFPB Dodd-Frank Mortgage Rules. XXXX said " we are obligated to guidelines of the Dodd Frank Act, and we are mindful not to over-impose on the appraiser independence to the point of retribution '' XXXX/XXXX/XXXX email attached, thus wo n't discuss anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE TRIED TO RESOLVE THIS ISSUE WITH THE COMPANIES. I NEED TO GET THIS MATTER RESOLVED AS SOON AS POSSIBLE.
Product: Credit reporting or other personal consumer reports

This is my 5th 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX