23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am the seller of a property in XXXX. The buyer 's appraisal came in about 23 % lower than the market rate. I reviewed the appraisal and found a number of discrepancies which orchestrated a lower valuation. 

The issues were : - - a comp on the next block and exact replica was not used - other comps .1 and .4 miles away were not used but one .8 miles away was - the appraiser noted a 2 % /month valuation increase but justified not assigning it to a comp which was 1 year old and adjacent to the subject property - negative adjustments were used and positive ignored - the market rate for the immediate neighborhood is XXXX XXXX XXXX XXXX XXXX but 2 comps that sold at around XXXX XXXX XXXX were used - the appraiser quoted incorrect square footage data for 3 comps. It made the ( 2 ) $ XXXX XXXX comps appear to be XXXX XXXX XXXX XXXX. It made the comp in closest proximity to appear to have sold for XXXX XXXX XXXX but with the right square footage would indicate it sold for XXXX XXXX XXXX - during the appraisal the appraiser ripped a shutter off the wall, took down a rail and dislodged a thermostat. He acknowledged this occurred during his visit. He then listed these as repair items Result The sale contract was for {$290000.00}, less than a {$300000.00} comp 335 feet away ( he did not use this ). My property is in better condition. However, the appraiser value came in at {$230000.00}. Please note he did assert a 2 % /month valuation increase. 

This low valuation meant the sale would not go through, unless the lender rectifies this. Being a FHA appraisal it will be associated with the property for 6 months and limit the pool of future buyers. 

Action Taken I wrote a letter and requested it be forwarded to the loan officer highlighting the issues. 
No feedback was received so far.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Regarding Improper Credit Usages by Expedian Dear Sir/Madam, I am writing to formally lodge a complaint against Experian for improper credit usages that have adversely affected my credit score and financial standing. I recently discovered discrepancies in my credit report that appear to be a result of Experian 's mishandling of my credit information. 

On XXXX, I noticed that my credit report contained several inaccuracies, including [ provide specific details of the inaccuracies, such as incorrect account balancesThese errors have resulted in a significant drop in my credit score, which has in turn affected my ability to obtain credit and has caused undue stress and financial hardship. 

I have attempted to resolve these issues directly with Experian through multiple channels, including phone calls, emails, and written correspondence. Despite my efforts, Experian has failed to correct the inaccuracies in my credit report or provide a satisfactory explanation for the errors. This lack of response and resolution is unacceptable and has left me with no choice but to seek assistance from the Consumer Financial Protection Bureau. 

I request that the CFPB investigate Experian 's handling of my credit report and take appropriate action to ensure that my credit information is corrected promptly. Additionally, I seek compensation for any financial losses and emotional distress caused by Experian 's negligence. 

Attached to this letter, you will find copies of my credit report, correspondence with Experian, and any other relevant documentation that supports my complaint. I trust that the CFPB will address this matter with the urgency and seriousness it deserves. 

Thank you for your attention to this important issue. I look forward to your prompt response and resolution of my complaint. 

Sincerely, XXXX XXXX ---
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my repeated submissions, Equifax consistently responds within XXXX hours, stating that the account in question is accurate. However, they fail to provide any evidence that a thorough investigation has been conducted. 

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates that credit reporting agencies must conduct a reasonable investigation of any disputed information. By not performing an adequate investigation or providing sufficient documentation to support their conclusions, Equifax has failed to comply with the requirements set forth in the FCRA.

Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ). The Consumer Financial Protection Bureau ( CFPB ) has recently addressed such violations in their administrative proceedings, emphasizing the need for companies to ensure they are not engaging in deceptive practices that harm consumers. 

As a result of these failures, I am requesting that Equifax take immediate action to review and correct the inaccuracies in my credit report, provide a comprehensive response outlining the steps taken during the investigation, and ensure full compliance with the FCRA and CFPA going forward. 

Please treat this matter with the urgency it deserves and provide a prompt response detailing your intended course of action. 
Here are the accounts : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX CO, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Georgia XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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 a account without my written instructions
Product: Money transfer, virtual currency, or money service

This is in follow up to complaint XXXX. We found the money transferred via XXXX. It was transferred to another persons account with my phone number on it as backup and my phone number on my actual bank account was disabled without my approval or knowledge. XXXX is owned by 7 major federal financial institutions and federal financial institutions should not be favoring one payment app over others, especially when that payment app is owned by the federal institutions. How is this legal? 

See attachment.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding the negative account listed on my credit report, as per the bureau 's records. 

I recently obtained a copy of my credit report and was dismayed to find several negative account listed. Upon reviewing the information provided by the bureau, I discovered discrepancies and inaccuracies that warrant immediate attention. 

This situation has caused significant distress and hardship, as it affects my ability to secure credit, loans, and other financial services. Therefore, I am seeking the intervention to ensure that these discrepancies are thoroughly investigated and rectified in a timely manner. 

I request that you conduct a comprehensive review of this matter and take appropriate action to correct the inaccuracy listed on my credit report. Furthermore, I request transparent communication throughout the resolution process and regular updates on the progress of the investigation into these discrepancies. With this, I am asking for your assistance to correct this account in my credit file : XXXX XXXX Balance Owed : {$10000.00}.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$830.00} Chargeoff - XXXX  XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The company sent me a XXXX XXXX XXXX XXXX XXXX  an I want it removed from my credit report
Product: Mortgage

Mr Cooper purchased my mortgage from XXXX Every step of the way Mr Cooper has screwed up. 
I made a Principal only payment in XX/XX/2021. They still don't have it posted correctly. 

All of my other monthly payments were also screwed up multiple times. 

My XXXX is messed up. 

They added an escrow on my account for no reason. 
Then they said i missed my tax payments. 
That is also a lie. 

They don't return phone call. i am still waiting for a call back from XXXX weeks ago. 

They don't respond to email. 

The only way to get a hold of someone is post your experience on social media. 
They always promise XXXX hours. That never is a true estimate. Right now i'm working on a detail that is about XXXX weeks old. Most of the rest of my issues are 4 months plus old. 

We are TRAPPED with this terrible company unless i pay off my mortgage or refinance. Both are financially hard to do right now. 

As a customer, there is NOTHING i can do to make this ridiculous company do anything. 

Their social media page is full of issues
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm pleased to see several improvements made to my report, including the deletion of the account I had previously disputed. However, i have still the account on my report that is false and the result of identity theft. I request your assistance in getting rid of the last few item on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any account that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason for my writing this complaint is to first and foremost inform that I am a victim of identity theft, my information and data was compromised without my authorization or consent. With this identity theft came fraudulent charges to my credit file. As a result, I disputed this identity fraud with this company on XXXX by providing my written explanation and attaching relevant documentation e.g. Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act to proof my case.

But until now, as I am writing to you, this company is still reporting these fraudulent accounts contrary to law, which gives them at least 4 days to remove it upon receipt of fraud dispute letter. Let this be a final written notice of my intent to sue this company for failing to remove fraudulent items even after receiving a well-documented dispute coupled with exhibits for reference. For yet another time I am reaching out to this company to find a concrete resolution to this matter once and for all. Failure to this I will go ahead and file my already filled small claims forms with the courts. Please REMOVE this fraudulent information from my credit report, as per 605B of the Fair Credit Reporting Act : 1.XXXX XXXX XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$530.00} 2.XXXX XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$210.00} I am attaching the dispute letter/documents I sent to this company on the XXXX and my FTC report, in case they need to reference or review.
Product: Mortgage

I have a mortgage on my home and my home has suffered a total loss from fire damage. My mortgage company holds the insurance claim funds in the bank loss draft escrow department and they refuse to release the required amount of funds to order materials and proceed with rebuilding my home. The mortgage company said they are bound by XXXX XXXX laws and can not release more funds and I am supposed to pay for my fire damaged home from my own pocket even though I have been paid insurance money that the mortgage company holds and refuses to release to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I am writing to dispute the bankruptcy that appears on my credit report. As per the Fair Credit Reporting Act, it is my right to request correction of any inaccurate or incomplete information on my credit report. However, I believe that the bankruptcy appearing on my credit report is inaccurate and incomplete. 

I would like to point out that the Bankruptcy Court, as an information provider, does not report any information to credit reporting agencies or any other agencies. Therefore, the bankruptcy appearing on my credit report is not a result of accurate reporting. 

I request that you take appropriate action to correct this inaccuracy on my credit report, and that the bankruptcy be removed from my account as soon as possible. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi. I dont contacted this company about reporting on my credit report. I asked why they are reporting false information on my report. She asked my address said no match and asked my last 4 of social and then stated thats not what they have but they are reporting on my credit report - proof attached - clearly her comments show its inaccurate and by Federal law should be deleted immediately!
Product: Debt collection

I have an unauthorized credit card debt from Bank of America. It states that I opened the account on XX/XX/XXXX. It says I owe {$8200.00}, and payment status is Coll/chargeoff - charged off as bad debt. The account is now closed according to my credit report as of XX/XX/XXXX. However, I never authorized or created this credit card account.
Product: Credit reporting or other personal consumer reports

Company or Organization : XXXX XXXX  Account Number : XXXX Date fraud began : Date that I discovered it : XX/XX/year> Total fraudulent amount : {$7600.00} Credit Card Opened by the XXXX XXXX or Organization : XXXX XXXX XXXX Account Number : XXXX Date fraud began : Date that I discovered it : XX/XX/year> Total fraudulent amount : {$300.00} Other Identity Theft Company or Organization : the company XXXX XXXX XXXX or XXXX Account XXXX or Organization : XXXX XXXX Date fraud began : Date that I discovered it : XX/XX/year> Total fraudulent amount : {$19000.00}
Product: Money transfer, virtual currency, or money service

I opened an account with Binance US in early XX/XX/2020 and transferred my cryptocurrency holdings from their international website Binance.com in accordance with their requirement to use the US based website to comply with regulatory standards. I was able to transfer my holdings and sell my cryptocurrency. In order to withdraw my money held with my account on the website, the website asks for identifying information like a copy of my driver 's license and bank statements which I uploaded to my account. 

I then received an email saying my information was not accepted and was then locked out of my account. The website won't let me reactivate the account without answering security questions but everytime I try to start the process, I get a " system busy '' error message. 

I have opened two customer service tickets and waited on their chat portal for several hours over the last two months but have still had no response. 

My money is stuck with Binance and I have no way to contact them to withdraw.
Product: Money transfer, virtual currency, or money service

I went on XXXX to find an apartment to rent. Someone offered an apartment and asked for a {$1300.00} deposit first so they could give me the keys. After a week of no update on the keys, they stopped responding to my messages. I went to my bank to try and fix the issue, but they said that since it was a willing transfer that I couldn't get it back through the bank. However I was lied to and paid money for an apartment without ever receiving entry to it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX
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 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, 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 a Accounts : XXXX XXXXXXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$10000.00}, XXXX XXXX XXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$1600.00}, XXXX XXXX Account # : XXXX date opened XX/XX/XXXX Bal. {$880.00}, sunrise banks XXXX XXXX  Account # : XXXX date opened XX/XX/XXXX Bal. {$0.00} InquirieXXXX 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 XXXXThese 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: Debt collection

I purchased a dog from the company back in XXXX or XXXX of 2021. I found the company via social media and decided to stop in .I immediately found a pet a XXXX XXXX  she was a total of about {$13000.00} after taxes I was able to pay a total of {$7500.00} due to financing. About a month later my dog vanished without a trace Ive filed reports within my local departments and still follow up frequently, Ive even reached out to the company numerous times to see if theres any way they would be able to locate her due to me paying an extra {$5000.00} for her to be microchipped but I was informed she would have to taken to the vet. Since then the company has attempted to collect {$13000.00} and {$17000.00}. Ive provided proof the dog is no longer in my possession and was not in my possession for what was a full month for that kind of money I was reassured if something like this were to happen they would be some type of support.
Product: Credit card or prepaid card

have opened a 'careCredit ' account and have received the card in the mail. however, i can not access the account thru the website carecredit.com. when i try to login i get this message : we apologize. we are curretnly experiencing technical difficulties and are unable to access your account. please try again later or contact customer service for assistance. 

for 8 days, i have tried to access my account. the only way to access is by using incognito browser, which is unacceptable i have called 4 different numbers for customer service, and no one was able to assist me. 
very frustrating and poor customer experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained a copy of my XXXX Report. As XXXX  is not helpful regarding rectifying issues, I was advised to send this letter. There was an inquiry by Lexis Nexis on my report unbeknownst to me, was not authorized, and I am unaware of any purpose as I didn't not authorize or sign up for anything on that date. XX/XX/18. An immediate response is requested. Based on the FCRA and my consumer rights. This needs to be addressed. I contacted the company and no response. 
LexisNexis XXXX XXXX XXXX
Product: Credit card

On XX/XX/year> I received a fraud detection email from Wells Fargo on my Credit Card. There were XXXX charges ( {$4300.00} & {$9500.00} ). They Approved the {$4300.00} charge but denied the {$9500.00} charge. I instantly reported both charges as fraudulent with Wells Fargo. 

I later found new inquiries on my credit report that I did not commit, as well as new mail from XXXX XXXX XXXX and XXXX XXXX XXXX. 

This prompted me to visit XXXX XXXX XXXX in person to find out that someone had stolen my identity and was trying to deposit Wells Fargo Credit Balance Checks into a newly created account. This credit union verified that this individual had my social security number, a WA state drivers license with all of my data ( name, address ) but with their picture. I promptly filed an identity theft affidavit with XXXX XXXX XXXX. 

I filed a FTC report after visiting XXXX. 

I then filed a police report on XX/XX/year> to report my findings with my credit report, the credit union activity and the Wells Fargo charges. 

After filing the police report, I visited XXXX XXXX XXXX to explain that this was a case of identity theft and that I did not open an account with them. They took the police report case number, FTC report number and my identification to file internally. I believe it is this institution where the individual tried to cash the {$4300.00} check. 

I also found out from XXXX and XXXX that this individual tried opening an account with XXXX XXXX XXXX ( which thankfully denied due to not being able to verify this individual ). 

I then started to receive mail from Wells Fargo that these charges are " authorized '' and their fraud department " verified '' that it was me to deposited these checks. I called them telling them that I had my identity stolen and that someone got hold of these checks. They asked me to fax them the police report, FTC report and a description of what happened. 

Today ( XX/XX/year> ), I received mail from Wells Fargo that once again says that these were authorized charges. I immediately called Wells Fargo only for them to say that I did not have my identity stolen and that their fraud department verified that it was me who cashed these checks.