23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My wife and I sold our property XX/XX/XXXX. We have been waiting since that time to receive a corrected Discharge of the Mortgage that references a Modification Agreement and a XXXX Mortgage recorded XX/XX/XXXX. The original mortgage, obtained XX/XX/XXXX, was Discharged XX/XX/XXXX, post closing, but it did not include the reference to the Modification liens. The closing attorney will not release a portion of our proceeds until the XXXX modification liens were referenced in a Discharge. Subsequently, the lender, Nationstar Mortgage Company, LLC, sent a revised Discharge with a reference only to the Modification Agreement but not the Subordinate Mortgage. The lender keeps dragging its feet and has one excuse after another as to why they ca n't or wo n't reference the XXXX Mortgage. At first they said the payoff XX/XX/XXXX released both liens because they both had the same loan number, MIN number and FHA case number. Now they say they do n't have the authority to reference a Discharge for the XXXX Mortgage even though they prepared the documents. The latest tactic is to blame the Registry because they require a release of both liens and they do n't think it is required. My attorney has been working diligently with them but has lost all patience. She suggested I file this Complaint and see if it would do any good.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX, 2024 under the account number XXXX. 

These account have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries.. The aforementioned accounts collections and hard inquires appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.

The account is the result of identity theft and fraud. I have attached a copy of FTC Identity Complaint # XXXX Please block account listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. On XXXX. XXXX, 2020, XXXX XXXX  XXXX XXXX add a hard inquiry on my credit report per XXXX. 
2. On XXXX. XXXX, 2020, CAPITAL ONE AUTO FINANCE add a hard inquiry on my credit report per XXXX. 
3. On XXXX. XXXX, 2020, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX.
Product: Credit reporting or other personal consumer reports

This morning, I found inaccurate accounts on my credit report, and I have no idea how they got there. When I checked my report, as I regularly do, I noticed discrepancies that werent present before. I even tried refreshing my browser, thinking it might be a glitch, but the incorrect accounts remained. I am requesting a thorough review of the documents Ive provided to ensure this issue is resolved and I wont have to worry about it again.
Product: Credit reporting, credit repair services, or other personal consumer reports

For years this company has been reporting the account listed. They continue to post this account on my credit reports for years to make it seem as if this account was opened recently in fact that is not true. I need proof of any documents they have showing where I opened an account with them on XX/XX/2019 immediately which I have never been provided no mail or electronic communication at all that proves this accounts belongs to me, which they are also required to furnish and after multiple attempts they have not furnished any documents. 

Security credit Services Original Creditor : XXXX XXXX Amount ; {$1800.00} Date XXXX XXXX/Experian
Product: Mortgage

I am in the process of trying to refinance a home using PennyMac. I have paid the down payment of $ XXXX for the appraisal, and in midXXXX XXXX an appraiser came to the home. He was here very briefly and spent most of the time outside. He took a few pictures inside and left, XXXX minutes outside the home, XXXX minutes inside. The home appraised for AT LEAST {$35000.00} below its value. This is because he appraised it as a XXXX bdrm, XXXX bath home with a den, when in fact it is a XXXX bdrm, XXXX full bath home. He missed taking a picture of the main water heater. He missed taking a picture of one of the bathrooms completely, and substituted one he found on the internet!! The bedroom was missed because he stood in the doorway to take the picture. After the appraisal was complete, I contacted the loan XXXX about the errors that were made. He asked for pictures of the rooms and anything the XXXX missed, which I sent, and promised to have their appraisal department look into it. This has not happened. My complaint with PennyMac is, they have ignored me, they've lied to me and they've cost me a great deal of money. I get inconsistent information from each person when they call, different closing amounts and different or no information about the appraisal. When I'm on the phone with them they don't listen, are rude, and talk over me. They are requesting {$38000.00}? {$34000.00}? be brought to closing, I don't even know. This is how inconsistent they are. This is ridiculous. I've asked them repeatedly to correct the appraisal and I am constantly getting the runaround. Today, XX/XX/XXXX for the first time they suggested I talk to the XXXX myself. This is not my job. They hired the XXXX, it is PENNYMAC 's responsibility to remedy the grossly incorrect appraisal that was done. Later in the day, another person called to tell me that Pennymac and myself have to accept the appraisal as is regardless of the mistakes, and that PennyMac does not have an " appraisal department ''. And further they have asked repeatedly for proof of funds to close, which I have provided repeatedly to different people. I took money from retirement, and paid taxes on it. I am regretting having done that, I am regretting having chosen PennyMac.
Product: Debt collection

HRRG has been calling for the past couple weeks, 20-25 times a day. calling my work phone, calling my cell phone, calling a relatives phone. Sending voice text to my relatives phone. Sending voice text to my work phone. But have only sent one invoice to my house. XXXX XXXX XXXX has sent me invoices for the same debt, not sure who should be collecting. I have attached some of what we have received and labeled who received. Please help resolve the nightmare.
Product: Credit reporting or other personal consumer reports

Due to your violations, I will take legal action and submit a complaint for small claims for default judgment, which allows up to {$1000.00} per violation. I am requesting an ALLEGED DEBT to be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I also demand a request for accounting of this alleged debt, pursuant to the Uniform Commercial Code, UCC Article 9-210. Therefore, I demand validation and verification of the alleged debt. Furthermore, it is imperative that you notify XXXX and Equifax to delete this information from my credit report immediately. The account in question is detailed and Unauthorized Accounts include the following : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. In addition, I am requesting for a copy of the 1099-C filed for the charged-off debt. These creditors must provide this to me, as the consumer, or you will be neglecting to comply with FEDERAL law. This leaves me no choice but to assume that you have neglected to comply with FEDERAL law by not filing a 1099-C as mandated. Consequently, I am compelled to inform you that I will report { insert creditor } to the IRS for potential tax fraud using Form 3949-A if prompt action is not taken. As per IRS regulations, a canceled debt of {$600.00} or more necessitates the filing of a 1099-C form by federal or government agencies, or applicable financial entities. Failure to comply with this requirement constitutes tax fraud, a serious offense that I will not hesitate to report to the IRS. It is essential to understand that a canceled debt is considered ordinary income by the IRS. Consequently, any failure to file a 1099-C form, or any attempt to conceal such actions, constitutes inaccurate reporting. Income is not to be included on a credit report, and any such inclusion violates consumer laws and regulations. Your company 's actions are in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681s-2, which outlines the responsibilities of furnishers of information to consumer reporting agencies. Under this statute, it is prohibited to furnish inaccurate information knowingly or with reasonable cause to believe it is inaccurate. It is imperative that you take immediate steps to rectify this situation by deleting the inaccurate information from all consumer reporting agencies. Failure to comply will result in legal action being pursued, including holding { insert creditor } accountable for willful noncompliance under 15 USC 1681n ( a ) ( 1 ) ( A ). This statute stipulates that any person who willfully fails to comply with FCRA requirements may be liable for damages sustained by the consumer. I urge you to act swiftly and cease reporting this item to avoid further complications. Kindly delete this off my report immediately.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

XX/XX/year> I tried to remove hard inquiries off my credit report with Equifax I quoted the law & they did nothing they didnt remove them at all. 15 US CODE 1028A!!!!!!
Product: Credit card or prepaid card

Paypal and Paypal Credit are two entities operating under seemingly one banner. Under the surface, they apparently cooperate to collect debt or charge one or the other 's customer accounts but, should Customer Services be needed - such as in settling a dispute- they don't act as though they are able to cooperate at all.

I purchased an item with Paypal Credit for {$1500.00} from XXXX XXXX XXXX on XX/XX/2022. When the vendor ( XXXX XXXX XXXX ) told me they did not actually have the item to ship to me, I asked the vendor to cancel my order and refund my Paypal Credit account. The vendor wanted to charge me a " restocking fee '' and would not refund the full amount of my order.

I contacted Paypal Credit to dispute the charge with the above mentioned rationale. This is where the issues pertaining to this complaint begin. The Paypal Credit representative disputed the wrong charge - from a totally different vendor- in their system. I found this out a few weeks after the fact when the vendor with legitimate charges contacted me asking why I had disputed the transaction. I reached out to Paypal Credit to get them to fix their mistake and dispute the correct charge. After 3 or 4 separate attempts ( spanning several weeks ) to have Paypal Credit resolve their own mistaken dispute, XXXX XXXX XXXX agreed to refund the entire amount of my purchase without a restocking fee - and they did. After my Paypal Credit account was refunded by the product vendor, Paypal Credit processed the corrected dispute against that vendor and my account received a duplicate refund for {$1500.00}. That was in XXXX. 

Now it is XXXX and Paypal Credit wants to settle the matter of duplicate refunds- which I agree should be settled. My complaint is that they have pushed the debt to the Paypal side to be settled in cash and now i'm getting collection letters from Paypal. This was never a debit transaction. This was always a credit transaction and Paypal Credit 's mistakes lead to the duplication of refunds for this item. I have been trying to work with Paypal Credit to settle the matter by charging my Credit account but each company keeps pointing their fingers at each other while I continue to get debt collection letters in the mail. 

Neither entity seems capable of resolving the issue and I am nearly at my wits end with them both.
Product: Checking or savings account

I'm not sure what is going on I was having a problem with my online banking at chase. My password would change all the time and I noticed on the app it would say this part of the site is unavailable to try later and I did so and nothing change so I called chase and told them and there response was there is nothing wrong with are site. Also when I would attempt to reset my password the would volunteer my user name with out any security
Product: Checking or savings account

On XX/XX/22, I received an email alert saying my email was removed from my XXXX. Upon checking my bank of america app, I was unable to login. I called the bank and they said it was because my bank account was being closed for undisclosed reasons. I went to a physical location to see if I could withdraw my funds in person before they would be mailed out, but I was unable to and after talking to a supervisor on the phone, they didn't give me any info at all. They said it was their policy to end business at any time. I have not done anything to warrant such a closure. I had about {$660.00} dollars at the time, and I had received no indication my account would be closed until today. I have also checked with Social Security and am in the process of verifying my security and the possibility of illegal use.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX I am writing to report an unauthorized transaction that occurred on my Coinbase account. On XX/XX/2024, at XXXX XXXX, a transfer of XXXX XXXX, equivalent to - {$720.00}, was made to the wallet address XXXX. 

The following details outline the unauthorized activity : - The transaction was carried out without my knowledge or consent. 
- The device ( s ) used to access my account were not in my possession during the transaction.

- There was contact with customer service representatives during this time.

- No unusual phone service interruptions or incidents of phone porting/sim swap were reported.

- No unrequested emails or SMS messages claiming to be from Coinbase were received.

- I do not have any remote desktop software installed on my device.

- There have been no recent installations of software or browser extensions on my device.

Upon further investigation, it was found that the transaction failed to fully complete. I am unfamiliar with the recipient and have no knowledge of their identity. These circumstances raise concerns about the legitimacy of the transaction. I kindly request your assistance in investigating this matter and potentially recovering the funds.

Your prompt attention to this issue is greatly appreciated. I look forward to your response and a resolution to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted four disputes to the reporting agency since XX/XX/2020 and three complaints with the CFPB regarding the investigation practices of the agency. I have requested " method of verification '', supporting documents, names, contact numbers, dates, and misc. information related to how their investigation was conducted. The agency has made numerous violations of my CRA rights, metro 2 compliance, and including denying that I am a customer during my 3-previous cfpb complaints I request that Experian be investigated for negligence, willful misconduct, and violation of CRA process and procedure.
Product: Credit reporting 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX XX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX To Whom It May Concern : I am writing to dispute an inaccurate charge-off that appears on my credit report. According to 15 U.S.C. 1681i, as part of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that I believe is inaccurate, and the credit reporting agency is required to conduct a reasonable reinvestigation to verify the accuracy of the disputed information.

Here is the relevant section of the law for your reference : 15 U.S.C. 1681i : This law mandates that credit reporting agencies must investigate and correct inaccurate or incomplete information on a consumers credit report within 30 days of receiving a dispute.

In addition, the presence of this incorrect information also violates other consumer protection laws, including : 15 U.S. Code 6801 : Protection of personal information.

15 U.S. Code 6802 : Obligations regarding the disclosure of personal information.

15 U.S. Code 6803 : Disclosure of privacy policies.

15 U.S. Code 1681e ( b ) : Accuracy of credit reports.

15 U.S. Code 1681a ( d ) ( 2 ) : Exclusion of certain transactions from credit reports.

18 U.S. Code 1028A : Aggravated identity theft.

This charge-off is inaccurate and is causing significant damage to my credit report and financial standing. Therefore, I kindly request that TransUnion conduct an investigation and remove the charge-off from my credit report.

To support my request, I have attached copies of my identification and proof of address. Once the correction has been made, please send me a copy of my updated credit report reflecting the removal of the inaccurate information. 

Thank you for your prompt attention and assistance in resolving this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

Im unaware of this debt, I didn't have a chance to dispute this debt. If you believe you gave me proper notification please send me a certified mail receipt with my signature stating I received this notice. According to 15 USC 1692g I have a right to notice of debt which I never received.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX, XXXX Account # XXXX, XXXX XXXX XXXX XXXX  XXXX # XXXX, XXXX XXXX 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