23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was in process of completing a loan for the purchase of my first home with XXXX. I went into where I had my current checking account at Bank if America here in XXXX XXXX. When I went to send the wire the banker stated they would not charge me for the wire if I spoke with their mortgage banker to review their offer. I then sat with XXXX XXXX XXXX XXXX. He then described how if I wrote an email to him stating I had a certain rate and points from XXXX he would be able to match that quote. He then proceeded to write the verbiage I needed to say. He told me to copy paste what he wrote and sign it for him. The rate he gave me initially was at a 1 point cost. He said with this letter he could waive that point cost. I later found out that due to the type of loan program and amount I was putting down that Bank of America didnt even truly offer that product for my situation. I felt very uncomfortable, almost like I was committing fraud. I called my mortgage banker and explained how I felt. I realized I wanted to write this report to explain how I felt and did my own research realizing that the process of XXXX writing the letter for me and using an letter to quote match is not actually the correct process to complete a quote match.
Product: Checking or savings account

On XX/XX/XXXX, I went to the XXXX, MA branch of PNC Bank to close my high yield savings account. I met with a senior banker and confirmed the closing amount would include interest for the month of XXXX through XX/XX/XXXX, in the amount of {$1200.00}. In fact, the banker 's computer screen indicated I was due the interest and the exact amount above. However, when the banker provided the check reflecting the closing amount, I pointed out that the check did not include the {$1200.00} in interest. The senior banker did not understand why that was the case, and he noticed then that the interest had been reversed on his computer screen. He then spoke to the branch manager who also indicated she did not understand why the interest had not been included. I also was told that now that the account was closed, I could not reopen the account or keep it open until the end of the month when the entire month of interest normally would be credited to the account. They tried to get through the help line and could not do so right away so they said they would call to find out what was going on and they would contact me and if necessary mail me a check for the interest once they found out why the interest had been reversed. I subsequently called the PNC bank customer service and lodged a complaint. Later that day I heard back from the customer service that PNC would not do anything for me -- notwithstanding the branch 's misunderstanding that I should have received the interest and offering no warning otherwise before closing the account -- because apparently I needed to have the account open at the end of the month to get any interest in XXXX. The customer service line, at my request, subsequently sent me terms and conditions from XX/XX/XXXX to confirm that was the case, but never sent me the terms and conditions when I opened the account, nor do I recall being sent or seeing any such terms or conditions when I opened the account. In any event, the branch was misinformed and as a result I closed the account based on the representation that I would be receiving the interest. Had they told me I would not be receiving the interest, I would have kept the account open until the end of the month XXXX  some 8 days later XXXX  to get the interest. It is clear that PNC has not properly trained its branch employees. I did not need to close the account and could in fact have kept a small amount of money in there until the interest accrued. In short, as a result of the misrepresentations from branch personnel, I lost out on a significant amount of interest. That is not fair, and if PNC bank is truly a consumer-oriented bank they should own up to the error and reimburse me for the interest. In the high of irony, after my call with the customer service department, they had the gall to send me an email indicating that my concern had been resolved. I responded by email that it had not.
Product: Mortgage

The following complaint is being written because I feel like there has been some unfair practices exercised by my mortgage company which is Security National Mortgage and the appraiser hired by them to conduct an appraisal on my home for the purpose of removing my Primary Mortgage Insurance ( PMI ). Initially after four months of requesting an appraisal on my house it was only granted after I filed a complaint with the Attorney General for the state of Tennessee. I was charged almost a {$1000.00} dollar to pay for an appraisal that was chosen by my mortgage company. I was informed by my mortgage company that my PMI could only be dropped, if my LTV was 75.00 % because my loan wasn't more than five years old, although in my closing documents it states that my LTV has to be 80 %. The appraisal was conducted on XXXXXXXX XXXX XXXX and on XXXXXXXX XXXX XXXX I was notified by Security National Mortgage that I did not meet the criteria because my LTV was only 75.70 % and not 75.00 % as a result of the appraisal. Upon reviewing the appraisal, I notice a couple of things that didn't add up, such as the square footage of my home and some comps that the appraiser used that were almost a year old. I found this odd because two previous appraiser had the square footage higher and closer to what the XXXX XXXX  Tax Assessor has recorded. I also, notice the appraiser chose two houses outside of my subdivision that had been appraised almost a year ago and less in value when there were two comps within a mile of my house that he could have used. This concerns me greatly, because I had a market analysis done on my home and it appears the appraiser may have under valued my house by more than a {$100000.00}. I have attached a copy of the dispute submitted to Security National Mortgage along with one previous appraisal conducted on the house at the time of purchase.
Product: Credit reporting or other personal consumer reports

Recently I reviewed a copy of my credit report and noticed several inaccuracies on my account. This is hurting my ability to obtain credit. It is my understanding that you will investigate the item listed for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate XXXX XXXX acct XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spent 3 months contacting creditors and credit agencies for late payments that I made and have confirmations and bank statements for. I had several corrected with XXXX and I uploaded the creditors removal fir XXXX  and experian still has the accounts Ive worked so hard to correct as late or not updated! I dont know what else to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of fraud in the spring of 2022 when my SS number my address and checking and savings account were I infiltrated by a payday loan company. I found out that credit accounts were open on my name when I went to apply for a car loan I then filed a victim fraud alert with the government I sent a copy of the fraud alert to all three credit bureaus, along with my ID and a letter requesting the credit bureau to block the information pertaining to the fraud. Equifax is refusing to block the fraudulent information. 
A fraud report was also sent to my bank they investigated and I closed my checking and savings account. This report was also sent to the three credit bureaus This is so frustrating to me.. I feel like I have been volatile and have no rights
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX company out of Idaho acquired information via XXXX and without authorization used my Social Security XXXX to run down my credit on an account already reported by XXXX. When I requested that Experian remove the redundancy, Experian did not comply and claimed that they had right information so this company can run down my credit
Product: Debt collection

I do not have any type of contract with this 3rd party collector. Please remove this collector from all XXXX of key credit reports as reporting is not allowed since there is no contract.
Product: Credit reporting or other personal consumer reports

I had a hard pull on my credit report from XX/XX/XXXX from JPMCB CARD and i called them and they acknowledged that it wasnt me and was never removed from my credit report.
Product: Checking or savings account

On XX/XX/2018 a person using my name opened six accounts at WELLS FARGO BANK Numbers XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Each have a deposit of {$1.00}. They claim to have called me. I have no records of any call. WELLS FARGO refused to give me the telephone number they call ( and that they have on record ). Neither of my two phones I read to them matched the phone they claim to have used to call me and they refused to give me the number called. 
On XX/XX/2018 a received a check from WELLS FARGO in the amount of {$1.00} for each account ( total {$6.00} ) indicating that the accounts were cancelled. 
In the telephone conversation on XX/XX/2018, WELLS FARGO BANK informed me that the accounts where indeed cancelled on their initiative. After my complaint of they accepting to open such unusual and perhaps fraudulent accounts they promise to investigate. Case Number : Wells Fargo # XXXX. 
The documents opening the accounts had my correct name and SSN but a incorrect Drivers License number. 
It seems that my identity was compromised and that WELLS FARGO colluded with the person to open the account to make it appear that 6 new accounts have been opened. 
WELLS FARGO accepted opening the accounts by a telephone call on XX/XX/2018 by someone impersonating me without proper checking of identity.
Product: Debt collection

Caller has called my Wife and given her information about the debt. He did not ask who she was, but he offered the information without verifying who she was. He has been abusive to my wife and she does not want to talk to him again
Product: Money transfer, virtual currency, or money service

Subject : Urgent Request : Assistance Needed to Update Phone Number on My Coinbase Account Dear Coinbase Support Team, I hope this message finds you well. I am writing to express my frustration regarding an issue I am currently facing with updating my phone number on my Coinbase account. Despite my best efforts, I have been unable to change my old phone number to my new one through the website. 

I have followed all the available steps outlined in your help center, including trying to verify my identity and accessing my account settings. Unfortunately, I continue to encounter difficulties, and I am unable to complete the process on my end. 

As I am sure you can understand, this is a pressing matter for me, as my old phone number is no longer active, and I am unable to receive important notifications, including security codes and transaction alerts. This situation has caused me significant inconvenience and concern for the safety of my account. 

Given that I have exhausted all avenues to resolve this issue myself, I kindly request your assistance in manually updating my phone number on your end. My account details are as follows : Account Name : XXXX XXXX XXXX Old Phone Number : XXXX New Phone Number : XXXX I appreciate your attention to this matter and look forward to a prompt resolution. Thank you for your assistance! 

Best regards, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer. The fallowing account are inaccurate and need to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was contacted by a Law firm by a man named XXXX XXXX, stating they were from XXXX and XXXX Law Firm and they stated I was being sued by Bank of America. I told them the debt was not mine and that it was opened in my name when I was XXXX or XXXX years old by my parent. He stated that we could settle the debt for {$1500.00} if I paid now with XXXX percent down to avoid going to court or we can make monthly payments of {$150.00} and pay a balance of {$3100.00}. I told him I would call him back after speaking to my parent. I then contacted Bank of America and spoke with a representative. She stated that there was no one from Bank of America that was suing me and that they sold the debt to a company called XXXX XXXX. She told me it was sold in XXXX 2009 for the amount of {$1500.00} and that again, there was nothing in her records that said that Bank of America is suing me. I read on the statute of limitations in the state of XXXX and XXXX that I can not be sued for this because this is an open-end credit card and the statute of limitations has ran out. I feel harassed by this company for using scare tactics to collect a debt that I feel is not mine and harassing my other family members by calling them multiple times.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable.

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation.

2.Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law.

3.Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights.

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : Cushman v. TransUnion Corp. ( 1997 ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data.

Dennis v. BEH-1, LLC ( 2002 ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers.

Ramirez v. TransUnion LLC ( 2021 ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages.

Demand for Immediate Action I demand the following actions, without delay : 1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions.

2.Provide a comprehensive written explanation detailing your investigation process and results.

3.Permanently remove or block all inaccurate information associated with my identity theft.

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o.

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

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

I have sent many letters informing XXXX XXXXXXXX XXXX that I received a copy of my credit reports, and noticed some late payments that still need to be corrected. I mailed a certified letter on XX/XX/2022 and it was signed for and received on XX/XX/2022. This company has had over 30 days to respond and my credit report has still not been updated. Again, the late payments are as follows : XXXX XXXX XXXX XXXX XXXXXXXX ) Your company is in violation of the Fair Credit Reporting Act ( FCRA ), otherwise known as 15 USC 1681. Pursuant to 15 USC 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies, THE LAW CLEARLY STATES : ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

Clearly, prohibition means something that is not allowed. This law says a person ( you in this case ) 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. 

Lets look at has reasonable cause to believe that the information is inaccurate. 

I CLEARLY showed you in my previous letter ( that you received via certified mail ) that you have REASONABLE CAUSE to believe that the information is INACCURATE by me CLEARLY defining accurate and what it means to be inaccurate and pointing out the laws that youve violated, therefore the information being inaccurate! 

While were at it, pursuant to 15 USC 1681a ( 4 ) - Congressional findings and statement of purpose, THE LAW CLEARLY STATES : ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Clearly, my right to privacy as a consumer has been violated by publicly reporting this information when I never gave your organization permission to report my information. 

This is getting out of hand, so if you continue failing to follow the law after Ive CLEARLY showed you that you have reasonable cause to believe that the information is in fact inaccurate, this matter will result in legal actions being taken against your company for actual damages, and I will be seeking {$1000.00} per violation of the following : - 15 USC 1681n - Civil liability for willful noncompliance - 15 USC 1681o - Civil liability for negligent noncompliance There was no contact to state that my dispute letters were even received. When discussing it over the phone, I was told that it will never be removed. This is against the law and I am very disappointed in how this company has conducted business.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account don't belong to me. Please remove this from all 3 credit reporting agencies. Please see below the account that is reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft BK OF AMER Account Number : XXXX This is not mine.
Product: Credit card

Hi my name is XXXX capital one bank approved me a XXXX dollars credit after approved ask me for documents to validated the account send all of them spoke with several managers about to activate my credit card gave me hard time. Kept calling every time when I sent any documents now they said my credit cards are permanently restricted because of the documents been alternate XXXX is not true I had my personal bank call them and verify my j formation and the still saying is not valid. I request to speak with the manager again and they keep saying they do n't have a manager.
Product: Credit card or prepaid card

On or about XX/XX/XXXX my credit card was declined. I called Capital One onXX/XX/XXXXto inquire and was told that the additional checking account that I added raised a flag and the account was now restricted due to fraud. I have Power of Attorney of my fathers bank account and added it to manage his affairs. I explained to this to Capital One and they sent me a link to upload bank statements verifying the account owners. Someone would contact me within 72 hours of receipt. 

On XX/XX/XXXXI sent the requested documents and a letter from my fathers bank indicating that I am the Attorney-in-Fact and I 'm authorized to use his account. I also included the case number and my contact number on each document. 

On XX/XX/XXXX I called to check the status of my account to no avail. Capital One indicated they had the statements and someone would reach out to me within 72 hours. 

OnXX/XX/XXXX I called to check the status and was told that because I blackened out the balances and deposit amounts, the documents were invalid. I now needed to send in voided checks. I sent in the voided checks for each account and was told that they needed to verbally speak with my father. I informed them that he is in the hospital and can not speak but I have his Power of Attorney. The manager insisted that they had to speak with him. 

I called back later in the day to speak with someone on the Executive Customer Service Team and spoke with XXXX, a Capital One Fraud Specialist. She indicated that I needed to submit the Power of Attorney documents to Capital One for review. No one could tell my why this was not requested initially. I have submitted the Power of Attorney document and still waiting on a resolution.