23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

At the beginning of XX/XX/XXXX I called PNC to request an appraisal of my property with a purpose of removing mortgage insurance. Talk to them over the phone, got an official letter with a price for appraisal of {$590.00}. In the letter it said that I will be contacted by appraiser as soon as they receive funds. I send a check next day. Haven't heard from them. Check has been cashed but no phone call. I contacted PNC to find out whats going on. Over the phone a rep told me that they work only with one appraisal company ( which is not true ) and this company charges {$1000.00} for the service, so if I would like to proceed I need to send them an additional {$420.00}. Which I did. Appraiser came in about 2 weeks later, look at the house and was very satisfied with everything. At the same time house next to me ( an  identical copy ) just got sold for {$370000.00}. In XX/XX/XXXX I got a letter from PNC saying that the appraised value of my house is {$350000.00} which bring my loan-to-value ratio to 76.57 %. The appraised value needed to come in at {$360000.00} to bring LTV to  75 %. They were asking me to send them a check for {$5500.00} to bring LTV to 75 %. Which of course I didn't. I've been trying to get an actual appraisal report from PNC for 6 month. Finally after another attempt around XX/XX/XXXX, it has been sent to me in XX/XX/XXXX. 
The comps that this appraiser used are completely wrong. Majority of houses that he looked at were 3 bedroom houses where mine is a 4 bedroom, also most of them don't have a backyard, mine has a  good side yard all made up to perfection. 
The Zestimate on my house is {$400000.00}.
Product: Vehicle loan or lease

I purchased a car of the year from XXXX in XX/XX/2013. They were using Santander back then ( & they are no longer using them now due to Santander 's bad reputation ). I thought I was getting into a normal loan for 72 months ; the original loan was {$18000.00}. Between XX/XX/2013 thru current year, I have paid Santander a total {$18000.00}. I was shocked to see that during these years, Santander has applied {$14000.00} ( + ) towards interest & only {$4500.00} towards my principal balance. This is how they are robbing people!! They still want me to pay them {$14000.00} more. I've already over pay them & with my XXXX and medical bills, I cant afford to pay them another XXXX. The APR is almost at 17 %. I didn't this would be a balloon loan. I need some assistance & I want to fight this ; I'm not only doing this for myself, but for all those FL victims going thru the same. I tried to get XXXX XXXX news involved, but Santander was refusing to discuss my account with them. But Santander 's executive office from TX contact me & it was like I was speaking with customer service. They were not helpful & made a sarcastic remark that I should have know they were a high loan & ended the call with me that way ; sending me an email 10 minutes later stating my 'case ' as closed. This is why they just recently got sued for millions in both Massachusetts & Delaware. I received a few voicemails from them threatening to come to my residence, workplace, or look up my siblings through XXXX and contact them ( which they did ), if I dont respond & that if no payment is made in the next couple of weeks,  they will find me & repossess my vehicle. I really have no more money to pay them. I was just recently hospitalized & I'm still recovering and have rent and hospital bills to pay. I shouldn't have to pay them another dime. I want the title in my hand. Please help.
Product: Student loan

Hello, In reviewing my Public Service Loan Forgiveness payment updates documents, I noticed a discount of six previously counted payments. Specifically, XX/XX/XXXX and from XX/XX/XXXX. For the period between XXXX I am listed as making 6 qualifying payments in the XX/XX/XXXX document from FedLoan. The XX/XX/XXXX document lists 0 qualifying payments for that same period between XXXX. Both FedLoan payment records and my personal bank statements list payments being made during that period. Please assist me in addressing this this blatant incongruity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX there was 2 credit card accounts fraudulently opened in my name XXXX XXXX  and XXXX XXXX as well as a collection account XXXX XXXX in the amount of {$690.00}. 

The discover account has been removed from my XXXX credit report but remains on both Transunion and XXXX. XXXX XXXX remains on my XXXX credit report. XXXX XXXX account has been removed from XXXX 5 times but the company keeps reselling the account every time it is removed this account is back from XXXX which is way past th

e 7yr statue of limitations which I was not responsible for.

I have been disputing these accounts for XXXX yrs and have provided all documentation to prove that these accounts have never belonged to me. I also explained in details that all my personal property and wallet had been stolen I have provided police reports Affidavit and ftc reports. 

This has been very disturbing and embarrassing that I have not been able to move ahead with my life because of these inaccurate accounts. 

I am asking that you guys can please help me to get these accounts removed. 

I am filing a complaint against Transunion, XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX for continuing to report inaccurate data to my credit report and not fairly investigating the accounts.
Product: Checking or savings account

Re : Complaint Against Bank of America Institution On XX/XX/XXXX I received a personal check in the amount of {$100.00}. I have the Bank of America App on my Smartphone device and I used this app to deposit the check into my checking account as I normally do when receiving a personal check. The only difference is that I split the check to put {$50.00} into checking and {$50.00} into my savings account. I received a confirmation that this had been done. Two days later while checking my account I found that the monies did not go into either account but instead Bank of America took {$100.00} out of my savings and {$100.00} out of my checking account and then placed a hold on both accounts.
It took two days and multiple calls and even visiting a local branch before theyd agree to put my monies back into my account that they illegally took out. Mind you though that they still had a hold on my check. At the advice of the rep I spoke to over the phone, the suggestion was made that I go into the bank and present the physical check to them and the hold would come off, but this never happened. The took my physical check and deposited and a day later I found it was rejected and that the initial 10-day hold would still be in effect. The monies from the check has come out the account of the person that gave me the check over a week ago and Bank of America is still insisting on holding the check until XX/XX/XXXX. The reason they are holding the check is merely because I tried to split the check between two accounts. Their app allowed me to do this and even gave me a confirmation that it was done.
I called again today and spoke with a supervisor who called their Risk Department and I was advised that they couldnt release my funds because they didnt have a good image of the check. This upset me because it was a lie. They had perfect image from my phone deposit and they have the physical check from the bank.
My main concern and contention is that if were not allowed to split checks why does your banking app initially allow it? Why wouldnt you put a disclaimer on the site, so your customers dont have to go thru this? And if this is the banking institutions failure why as the consumer must we suffer for it? And heres the biggest thing. Bank of America has had my XXXX for over a week making interest off it and refusing to give it to me until theyre ready which will be XX/XX/XXXX. This is illegal and although its only a XXXX my rights are being violated and Im thinking of seeking legal counsel. The rep on the phone told me that this happens all the time, and she agreed that they should do something about it, but they dont? The reason they dont is because theyre benefiting. I want to make sure they dont do this to other people.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX
Product: Debt collection

I checked my credit report and notice accounts that not mines. i been a victim of identity fraud in the past. I provided 2 copies of my ID to prove my identity
Product: Credit reporting, credit repair services, or other personal consumer reports

True Accord XXXX XXXX XXXX, XXXX XXXX XXXX, KS XXXX True Accord claims that I owe them {$160.00} Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debt creditor did not verify collection. Also, there was NO written form of communication for contract or signature for the accused debt at all.
Product: Credit card or prepaid card

When I tried to activate my XXXX XXXX XXXX XXXX MAster Card by calling the activation number ( XXXX ) listed in the acceptance letter, I was directed to a foreign ( XXXX ) organization. They asked for my credit card number to begin the activation procedure. Then rather than activate the card they attempted to sell me a lot of services. I said no to each one. After a few minutes, I recognized it was a scam and hung up. I ended up activating my card by calling the Customer Service number on the back. I informed them of the scam but they did n't seem interested. In the next few days, I received multiple confirmation letters that I had purchased a variety of services ( including credit card protection, travel club etc. ). I called XXXXXXXX XXXX  customer service to complain and was informed that it was aall my fault for giving out my credit card to a number that they had provided. They were of little help and suggested that I cancel the tel-marketing promotions or i would be charged. I then had them cancel my card and issue a new one. They were singularly unhelpful and attempted to obscure their marketing fraud. I expect such behavior from XXXX XXXX but not from a major international bank. This episode has already caused me a great deal of stress and effort and I expect to be compensated for this outrageous behavior
Product: Credit card

Good day. 

I purchased a vacuum from XXXX on XX/XX/year>. I had not received the vacuum by the date I was informed it would arrive. I contacted XXXX via XXXX and received no help. I reached out to American Express and filed a dispute. 

American Express has focused on XXXX  having a tracking number and with that has ruled I did indeed receive my package. However, that is not the case. I have tried to speak with the Dispute Team at American Express, however I have been denied that right. 

If American Express is going to solely focus on XXXX 's tracking number, then lets look at the tracking number. The tracking number, XXXX says my package was delivered on XX/XX/year>. The tracking number gives the city, but no house address. The picture attached to the listed tracking number is not a vacuum nor is it my house. My house is brick on the bottom not wood. 

I am asking for someone to be my advocate and review this case. I did not get my vacuum and American Express is not investigating this dispute appropriately. 
I have supplied American Express with a lot of proof that I did not indeed receive my vacuum. However, they have solely ruled I did by XXXX having a tracking number. 
I will supply all documentation upon request. 

Regards, XXXX
Product: Credit reporting or other personal consumer reports

I was online goin though my consumer report as I was handling all my responsibilities and I noticed that I had some accounts that's on my report that is reporting incorrect and by the reporting agencies reporting this information it is hurting my ability to obtain credit and respectful move on from this situation The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system
Product: Credit reporting, credit repair services, or other personal consumer reports

The Privacy Act of 1974 The Privacy Act of 1974, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. 

Per 15 U.S. Code 1681 you must maintain 100 % accuracy.

Per 15 U.S. Code 1681b a creditor must have a purpose for obtaining a consumer report.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information
Product: Debt collection

I have been in the process of trying to remove this from my account. I do have a police report I had reported Since XXXX of Last Year 2022. I went ahead and received a Federal Commission Trade Letter.
Product: Checking or savings account

On XX/XX/2021, I, XXXX XXXX, had a total of {$1900.00} into my chime account in which I could not get into. I called chime customer service and ask why my account was lock and they said that someone is tampering in my account and if I wanted back open then I will have to show proof in which I did on XX/XX/2021. I tried to get into my account but would not let me in but notice that my money was taken from my in which has shown on my notification popup on my phone. 
All but {$34.00} has been taken out of my account. I sent all my details on who has entered into my account in which I finally was able to get into my account on XX/XX/2021 in which I had to show them the second time my proof of identity on XX/XX/2021. I have been dealing with chime up until now in which they have locked my account on XX/XX/2021 and they haven't said nothing about my money being refunded nor they haven't open my account.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction with the handling of fraudulent items on my credit report. Despite my numerous attempts to address and rectify this matter, the fraudulent items persist, and it is disheartening to note the lack of resolution. 

Clearly outline the fraudulent items on your credit report, including the account names, dates, and any other relevant details. 

Provide a concise summary of the steps you have taken to address the issue, including dates and methods of communication with the credit bureau. 

Mention that you have attached any supporting documentation, such as evidence of payments, correspondence with creditors, or any other relevant information. 

Describe the impact these inaccuracies are having on your creditworthiness and any adverse effects, such as higher interest rates or denials for credit applications. 

Clearly state your expectations for the resolution, emphasizing the need for a thorough investigation and the prompt removal of the fraudulent items from your credit file. 

Specify a reasonable deadline for the credit bureau to respond to your complaint and take corrective action. XXXX asking for your assistance to remove these fraud items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unpaid Balance {$2200.00} XXXX XXXX XXXX XXXX Unpaid Balance {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have tried on multiple occasions to contact XXXX XXXX XXXX due to an amount reporting on my credit report. The property was sold to another owner and I have not been able to get in contact with anyone to discuss this matter. I have contacted the collection agency XXXX XXXX, and the representatives are very rude, and are telling me I am responsible for the debt. I sent a debt validation on XXXX and have not recieved a response yet. Made numerous phone calls explaining to them this is effecting me tremendously, and the amount showing is not accurate.
Product: Mortgage

I am a victim of identity theft. I had this police report before where I left my left open in a public place then I lost my bag with my cards and Ids inside it Someone who has taken my things took advantage of and made this fraudulent account under my name. The fraud was opened on XX/XX/2006.
Product: Checking or savings account

On XXXX  I did not receive my direct deposit. Capital one could not tell me why their system was down. They stated it would be fixed by XXXXXXXX XXXX. It is now XXXX XXXX the next day, no word, no update, no fix, still no money. I have to get groceries to feed my family, my truck needs gas, and most importantly I have multiple bills coming up due. With it not being fixed, and a holiday Monday, it will be Tuesday at the earliest when I see my money. Thats 5 days late on depositing my money. Yet capital one can still request money for credit payments and not give me mine. Arh and direct deposit has been around since the XXXX. This is unacceptable.
Product: Credit reporting or other personal consumer reports

I am a retired veteran, and my information was compromised in a data breech. my information was compromised and used in identity theft to create unauthorized accounts in my name. Since my retirement from service of over 21 years my information has been used to create accounts that have ultimately been added to my credit report. please remove all collection and charge off accounts from my report. This has caused an extreme hardship on my finances. I am asking that all negative accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX be removed from all three credit Bureaus reports. The identity theft without my consent have impacted my credit significantly. The data breech has caused a personal, social, and financial hardship that i am working to have resolved. Please remove all erroneous charges and errors from all three reports.
Product: Debt collection

I need your help in having Judgement removed from my record. This is an old debt and collectors are still trying to collect. XXXX XXXX  XXXX sent me a letter ( dated XX/XX/XXXX ) stating that XXXX, XXXX recently recalled account from their officeand to their understanding account was placed with RAS LaVrar. 

A compliant was filed by me ( XX/XX/XXXXXXXX-XXXX ) against RAS LaVrar for what I now believe to be fraudulent. The reason I say this because in looking over all my records I found inconsistence with RAS claim. For example, I was told that XXXX wanted nothing to do with this account. If XXXX did give this account to RAS LaVrar, why was I threaten that I was going to be taken to court and property would be taken from me -- I had already been to court ( XX/XX/XXXX ). Also, RAS LaVrar said that I owed more ( {$18000.00} ) which I never owedplus I made payments for over a year. 

Record confirms that on XX/XX/XXXX, that account was referred to the law office of XXXX XXXX for collection. Account was charged off as bad debt on XX/XX/XXXX, by XXXX ( for a while debt was at all credit bureaus. On XX/XX/XXXX, XXXX XXXX filed a Motion for Judgement against me ( which I think it was in retaliation against me. How can that be if account was charged off as bad debt and I was taken to court after the fact? I will send letter dated XX/XX/XXXX, confirming debt charge off date from XXXX. Also, I will send letters from XXXX XXXX  XXXX and RAS LaVrar. 

XX/XX/XXXX, I reached out to both XXXX XXXX  XXXX and RAS LaVrar to get conformation stating that XXXX had given account to RAS LaVrar, but without any success.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX   to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ).

They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the improper investigation practices by the three major credit bureaus : TransUnion, XXXX, and XXXX. I have been disputing inaccuracies on my credit report for nearly two years, specifically with accounts related to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Despite multiple efforts on my part, these inaccuracies remain unresolved, and the accounts in question continue to appear incorrectly on my credit report. Even to the point where deleted items where reinserted back on my credit File. 
Throughout this period, I have submitted numerous disputes and requests for detailed documentation explaining the steps taken to investigate my claims. I have repeatedly asked the credit bureaus to provide step-by-step records of how my disputes were processed and resolved, as required by law. To date, I have not received any of the requested documentation, nor has there been a meaningful resolution to my disputes. 
The continued presence of these inaccurate accounts on my credit report has caused me significant emotional distress, as I believe my consumer rights have been violated. I have made every effort to resolve these issues, yet the credit bureaus have not adhered to proper protocols or responded in accordance with the regulations set forth under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. This ongoing situation has made it incredibly difficult for me to manage my financial obligations and provide for my family, while also hindering my ability to obtain future credit. 
As I understand it, your recent lawsuit against XXXX filed on XX/XX/scrub>XXXX XXXX highlights similar issues with the credit reporting industry. In light of this, I am requesting that the Consumer Financial Protection Bureau ( CFPB ) conduct a thorough investigation into this matter, ensuring that TransUnion, XXXX, and XXXX are fulfilling their legal responsibilities. I am also considering legal action if these issues are not addressed appropriately and in a timely manner. 
I respectfully ask for your attention to this matter and urge you to take action to ensure that my credit reports reflect 100 % accurate information, in accordance with the law within 15 days of receiving this complaint. Further due to the numerous claims and still the information on my report continues to report incorrectly. I am requesting these accounts be removed in 4 days.
Product: Credit reporting or other personal consumer reports

This is my third request 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, remove 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 EXPERIAN XXXX XXXX XXXXXX/XX/year>