23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

As of  XXXX    XXXX    XXXX   XXXX  reported a 30 day delinquency on my credit report, which decreased my credit score by  XXXX  points. The company alleged I was delinquent on the account and made several attempts to contact me however to date I have not received a letter or phone call. In learning of the delinquency I immediately paid the card in full, as the balance was less than {$100.00}. I was advised I would be contacted within 48 hours by a manager to further discuss the situation, that was on  XXXX   XXXX  and no one has contacted me.     Up until this point I have never been late with any credit obligations, car, mortgage, student loans, credit cards, my credit has been perfect.     But do to this  one  incident I feel  XXXX   XXXX  has ruined the good credit I have maintained for over 20 years.
Product: Credit card or prepaid card

I, XXXX XXXX XXXX attempted to remain in honor by tendering payment via an ambiguous negotiable instrument in the form of paid U.S. Postal money order. Which clearly states at the bottom that it is a negotiable instrument which I bought and paid for the rights to negotiate it. Money order number XXXX was made with the proper clauses and provision based on banking law in the amount of {$27000.00} in accordance with HJR-192 Public law 72-10, U.C.C 3-603 ( b ), U.C.C 3-311 And public law for negotiable instruments to Vystar Credit Union on XXXX they accepted my instrument , but did not credit my account correctly. I called Vystar Credit Union on XX/XX/2023, and talked to a supervisor named XXXX, and she told me that she would transfer me to member services, but the line was disconnected after being on hold for about XXXX minutes. I also called and spoke to a Vystar representative on XXXX at XXXX and spoke with her about my negotiable instrument and was told they will not except my offer, so they refused to stand in honor of the law by applying the proper payment, even with the agreeing that they do accept legal tender which is what I provided. Even with the ability for the instrument to remain negotiable which is an even greater benefit for them. I am filing a complaint and asking for an immediate investigation to rectify the situation without levy so they may remain in honor. As it stands they are committing an illegal act and are currently in dishonor, as their practices are against the laws in which our country is built on.
Product: Mortgage

I contacted Bank of America in XXXX of 2021 to refinance two properties my primary home and a rental property. After encountering several issues with scheduling my appraisal with an appraiser for my rental property, BOA was forced to step in to have the appraiser schedule my appraisal. After encounter challenges upfront with the appraiser, I then received an appraisal that undervalued my property by over than XXXX dollars. From a review of his analysis and the pictures taken it was obvious to me that this was a deliberate attempt to impact the financial viability of my refinance. I drafted a memo outlining the inaccuracies in his appraisal as well as provided information to support a higher appraisal value. I then requested a re-evaluation of my appraisal outlining the following information for consideration : - Market Rents : Using the income approach based on my current rents the property is valued at XXXX higher than the BOA appraisal. I used the same methodology provided by the appriser and simply used the rents from my existing lease. This provided a estimated value of XXXX higher than the appraisal provided by BOA. Please note BOA 's underwriters also have a copy of my lease and tax returns to support the higher rents XXXX XXXX. The appraiser listed in his notes that the lower rents helped to justify the value of the unit. 

- Rennovations : The appraiser used properties that were not renovated as comparable properties. I provided a breakdown of the improvements and pictures to showcase the more than XXXX in improvements ( renovated bathrooms and kitchen, new hardwood floors, lighting and smart fixtures ). 

- Comparable Properties : Given the status of the market in XXXX in the XXXX neighborhood there is very little inventory on the market and most of the properties for sale are townhomes vs. condos. This makes it harder to find relevant comparable properties. On my appraisal the appraiser used comps that were located in the same building but are not strong comparables given the following differences 1 ) floor plans 2 ) improvements/ upgrades 3 ) unit features. 4 ) unit floor. All of which help to drive value for my unit which is located on the top floor and is a two-level ( spiral-up ) property versus the comps which were one level or spiral down which is less desirable. 

In addition to this information, I also provided the MLS information for a unit that matches my exact floor plan that sold at the recommended appraisal price two years ago. Since this unit was sold the market has just increased and there is no rational justification for why my unit would now sell for more than XXXX less as my property has been full renovated.
Product: Mortgage

I received on XXXX/XXXX/XXXX a letter from XXXX XXXX, XXXX. of the law firm of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. The letter is attached. In it are listed additional fees, including property inspections, valuations, " XXXX Membership Fees, '' which, if XXXX reviews this case over the last year, and the relevant actions of Key Bank and the XXXX, are unreasonable collection expenses, in violation of our loan agreement, but also are being assessed BEFORE foreclosure and before case mediation, in violation of NYS law, I believe, CPLR Sec. XXXX, but I might be confusing this section of law with another. Please see my complaint dated XXXX/XXXX/XXXX for the correct citation. This action also has the effect of destroying equity, in violation of XXXX 's prohibition against predatory servicing and how " equity stripping '' was viewed by the XXXX of XXXX of XXXX and is now viewed by the CFPB. 

I spoke with XXXX XXXX on XXXX/XXXX/XXXX, and she is researching Key Bank 's obligation to provide a named Key Bank employee with the authority to negotiate a workout, something that will be required of Key Bank in the foreclosure process. I want to be clear about this obligation, because I do not think I was clear with XXXX XXXX in our phone conversation. Only the president of a corporation - outside any specific delegation - has the authority to negotiate a contract for the corporation. I do n't think XXXX XXXX XXXX is planning on negotiating for Key Bank, so Key Bank must delegate that authority to someone, whether it be XXXX XXXX, who is the regulatory contact for the CFPB, or someone else. It CAN NOT be Key Bank 's attorney, which is what XXXX XXXX XXXX represented to me in our phone conversation of XXXX/XXXX/XXXX. Indeed, XXXX XXXX 's professional ethics would prevent her from acting as a principal ; she may only act as an advisor to Key Bank. I am still awaiting the identification of this employee at Key Bank and have been waiting now for over a year.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : [ XXXX XXXX ] [ XXXX ] XXXX : [ XXXX XXXX ] [ XXXX XXXX ] Transunion : [ XXXX XXXX ] [ XXXX ]
Product: Debt collection

They call frequently my workplace and my cell phone multiple times a week. The debts they own are beyond the statute of limitations. They also frequently send letters. Account is not reported on credit report it is removed.
Product: Vehicle loan or lease

My XXXX XXXX  says I have multiple late payments. Which I am on a payment plan making up for my late payments. My credit report says Im 90 days late on payments, which is incorrect. My credit report says I havent made a payment since XXXX of XXXX Also says I havent made a payment None of XXXX, Also Says I havent made a payment for XXXX of XXXX. Which is incorrect also. My car loan was XXXX my remaining balance is XXXX now. I have been at the same balance for months now. I pay XXXX a month.
Product: Debt collection

AmSher collections says that I have an outstanding balance of {$59.00} ( account XXXX ) for a XXXX XXXX  bill that was never paid. However, this is false. All my bills have been paid and my account ( s ) are up to date. I contacted XXXX XXXX and they confirmed that I don't have any outstanding balance. I even contacted AmSher with a XXXX  representative ( 3 way call ), who confirmed and told them that I have no outstanding balance, but AmSher kept insisting that I need to file a dispute ( which can take up to 30 days ), without even telling me how to file a dispute. Then they kept trying to make me pay a settlement fee of {$39.00} to clear this balance to avoid the hassle of having to dispute this ( non-existant ) balance. 

I have an open case with XXXX ( # XXXX ) stating that I have a predatory collection agency trying to collect from me for a non existent balance using them as an excuse.
Product: Checking or savings account

I opened an account XXXX, when i XXXX  to activate the card it started the account was restricted i then called chase and they told me the account was closed and the could not tell me why. I asked why hadnt I received a adverse action letter or anything in the mail on XX/XX/14
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is regarding consumer reporting agencies. 
The problem i am having is consumer reporting agencies violating the rights that congress put forth to protect me. Pursuant 15 USC 1681b ( a ) ( d ) these agencies that assumed this role has to have a written consent from the consumer to furnish any information on the consumers report. 
I mailed a letter XX/XX/2021 and as of XX/XX/2021 i have not received a response. 
XXXX XXXX, Experian are the agencies in question. 
I am submitting this complaint as the consumer, a natural person.
Product: Debt collection

A Uprova representative contacted my workplace by phone call multiple times on XX/XX/2022 ; XX/XX/2022 ; and XX/XX/2022 ; and identified the debt collector as Uprova. The phone number used to contact my workplace on each occasion was XXXX ( XXXX ) XXXX. My workplace has various phone numbers, and this representative has called each one. I understand that these calls are meant to intimidate and harass me. Furthermore, I have already informed Uprova that my employer does not allow these types of calls at work and I am at risk of losing my job. Additionally, I sent a Revocation of Authority to Contact Third Parties on XX/XX/2022. I can confirm that Uprova has received this letter.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year> world finance and another company has been on my credit report for the same thing. I'm requesting them to stop and remove there stuff from my credit report due to they sold this to a debt buyer and now I no longer own the debt due to it being solved to another company and on the documents I sent shows the debt collector that bought the debt with out my concent. Under the fair credit act that is no longer my debt it it the company they sold it to
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

We had a water damage in our house XX/XX/XXXX. We received the check for XXXX from our insurance company and send the package to Nationstar Mortgage with ALL required paperwork. They received it on XXXX/XXXX/2015. Till this day Nationstar did not do disbursement to us. I called numerous times without any results. Here is the dates : XXXX/XXXX/2015, XX/XX/2015,XX/XX/2015,XX/XX/2015,XX/XX/2015,XX/XX/2015,XX/XX/2015,XX/XX/2015,XX/XX/2015.Every time I call, I stay on the phone 20-40 minutes. On XXXX/XXXX/2015 I was waiting for supervisor, her name is XXXX for almost 2 hours, only for her to tell me that she will follow up on my disbursement request, which she never did. Nationstar is using off shore operators, who are poorly trained, they can not explain anything, they read notes on the screen and do n't understand a thing about the process. I feel that Nationstar is abusing its customers. On XXXX/XXXX/2015 I spoke to XXXX, who told me that somebody misplaced the contractor 's bead and my disbursement was stopped. On XXXX/XXXX/2015 spoke to XXXX for the 4th time, stayed on the phone with her 33 minutes, once again was told that disbursement request is send for approval, and she will call me back tomorrow to follow up. Of course, no one called and there was no check send to us. In the meantime insurance company issued us an other check. Nationstar is holding {$100000.00} of our money. The water damage was very extensive, my family has to stay in the half destroyed house. We are desperate, we want to start repairs. It is absolute nightmare to deal with Nationstar loss department. Nationstar mortgage needs to train their loss department operators, so they will do their job. Please, help us.
Product: Debt collection

1. The initial complaint that I submitted is attached and named XXXX XXXX Complaint Detail. 

2. As you can see in Receivable Management 's response, it agreed " to remove any credit reporting placed by XXXX XXXX XXXX XXXX XXXX. '' 3. Receivable Management did in fact delete the {$250.00} entry on my XXXX  credit report. However, the same entry still appears on my XXXX credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My social security number was impacted by the Equifax security breach.
Product: Credit reporting or other personal consumer reports

The LAST REPORT date has been inconsistently updated. On XXXX, the date last active is XX/XX/XXXX. On XXXX, the date last active is it's XX/XX/XXXX. On Equifax it's XX/XX/XXXX. The LAST ACTIVE date has been inconsistently updated. On XXXX, the date last active is XX/XX/XXXX. On XXXX, the date last active is it's XX/XX/XXXX. On Equifax it's XX/XX/XXXX. If the information is coming from the original creditor the dates should be the same. We can not say these account are 100 % accurate so it is deemed INACCURATE. Repeatedly reporting updates every month or each time the account is inquired about, the statute of limitations is extended, every update makes the account look newer than it is. Re-aging the account is illegal. Please delete these accounts from my report : Account Name : XXXX XXXX Account XXXX : XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This account that is with XXXX XXXX was a paid to delete account that has not been removed from my consumer reports. 
This account XXXX from XXXX XXXX that has been paid for already and the company has also reported false late payments for the following account as well. 
The dates of XXXX XXXX are showing 30 date late payments remarks which are illegal and inaccurate due to the fact that the account was closed on XXXX XXXX so how can I be responible for late payments being reported after the account was closed than paid off in full as contract of pay to delete stated. 
Not only did the credit company update the account as paid and closed they DID NOT remove this account off NONE of my three credit profiles with TransUnion, XXXX and XXXX and this account was also charged off meaning they were made twice for this account, once by me and the other by IRS. I also never received my 1099 in the mail for this debt that has been paid twice for this account XXXX that has been paid for already. 
In According with the Fair Credit Reporting Act the following companies previously listed above has violated my rights. 15 USC 1681-602A states I have right to privacy. 15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Money transfer, virtual currency, or money service

XXXX XXXX, XXXX i did NOT receive a dividend check from DISCOVER BANK for {$530.00}. i didn NOT endorse the check. the signature was a forgery. after 15+ phone calls to the bank, speaking to several representative, and consuming MANY hours, DISCOVER BANK has not started? completed? its investigation. 
i was sent info packets to complete and return to DISCOVER BANK. i was told that the info was incorrect. another packet was sent and i returned to DISCOVER BANK. i was told that they never receive the XXXX packet! i was sent another packet. after following specific instructions from XXXX XXXX at the bank, i made copies of ALL sheets in the packet ( kept them ) and sent the completed packet CERTIFIED MAIL, notorized! 

DISCOVER BANK said the check sheet was missing. i disagreed because i had copies of ALL the sheet i sent and the check sheet was among the sheets sent. 

the last communication with DISCOVER BANK was friday, XXXX XXXX, XXXX at which time i was told that XXXX handled the check page and she was not available, but would call me on monday, XX/XX/XXXX XXXX XXXX XXXX NOT call. after 2 years of waiting for an investigation, i am now filing a formal complaint against DISCOVER BANK. 

FOLLOWING, dates and times of communication with the bank,. they will have a record of these calls. each call said they would pass the info to correct department who would solve the problem? XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XXXX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XXXX, XXXX, XX/XX/XXXX XXXX, XXXX, XX/XX/XXXX XXXX,. XXXX ; XXXX. on XX/XX/XXXX @ XXXX ; XXXX XXXX XXXX walked me thru the packet of forms to be certain i filled out ALL forms correctly.
Product: Checking or savings account

Someone used a fake id and opened a Bank of America checking account, committing check fraud, in my name, which has me in XXXX & XXXX XXXX. Id like to get this investigated and removed & cleared from debt and fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX or XXXX ) consumer report, and I noticed some late payments posted on my consumer report : Loqbox Finance LLC XXXX XXXX XXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this account on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is randomly adding and changing comments on old, closed accounts on my report and is terrorizing my credit score. I swear it seems intentional and malicious. Over just two weeks my score has dropped from the 700s to XXXX, but only on Equifax! They are adding negative comments to accounts that have been closed since XXXX, XXXX, and XXXX! Equifax is impossible to talk to and the people at the call center only make things worse. I have already sent a complaint about this and they wont even respond. 

One of the accounts ( XXXX  XXXX ) just today they changed the status to charge off, even though the account has been paid and closed since XXXX! They also changed remarks on an old XXXX XXXX credit card which has been paid and closed since XXXX and an XXXX XXXX account which has been closed and paid since XXXX! 

Equifax is inhibiting my ability to refinance my mortgage. My XXXX and XXXX scores are both in the 700s and Equifax is just out of control. Im going to file suit under the fair credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Violations of reports on my credit report to all credit reporting Agencies without my consent for debts I do not owe according to HJR 192 and Public Law 73-10 15 U.S. Code 1681b - Permissible purposes of consumer reports U.S. Code Notes prev | next ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.
Product: Vehicle loan or lease

CAP ONE AUTO ( Duplicate Reporting ) Capital One Account # XXXX CAPITAL ONE AUTO FINANCE is reporting to XXXX as - Derogatory 90 days late payment. And CAPITAL ONE AUTO FINAN ( Duplicate Reporting ) Capital One Account # XXXX XXXX  is reporting is as a Repossession.