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

Someone opened a account in my name at a local bank I received a letter in the mail from the bank that's how I was aware of the fraud I called the bank to let them know it wasn't me that opened the account they closed the account and sent me a letter about what happened and what will take place in the future. I have inquires on my credit report as well as a Bankruptcy that all three bureaus fail to delete I have filed several complaints with all three, called spoke with them all, and nothing has been deleted. I have fraud protection on my account NOW but the things that are on there where never deleted. I have sent several letters called several times and filed several complaints and I am getting no where. I have filed a complaint with the FTC ( Federal Trade Commission ) report number XXXX Please follow up with XXXX, XXXX, Experian as I need a accurate credit report. Inquiries Deleted and Bankruptcy.
Product: Mortgage

XX/XX/XXXX I applied to Bank of America for refinancing of home due to scamming by current mortgage holder.  XX/XX/XXXX house was appraised; appraised value approximately $40,000 less than comparables.  Made written complaint to BOA and multiple phone 
calls.  Only responses came from local mortgage loan officer who had to get update from someone else.  XXXX day he was not there and was told previous Thursday was his last day on job.  Since, received XXXX return phone calls but no others although I tried to get updates.  I was told to NOT pay previous mortgage in XX/XX/XXXX. but in XX/XX/XXXX. paid because I was three months overdue.  Still no response from BOA as to current status of initial application.  In XX/XX/XXXX. was finally told application was cancelled because of concern over appraisal.  Offered to reapply which I accepted.  Finally closed in mid-XX/XX/XXXX.  Before re-fi- application had HELOC which was rolled into re-fi amount.  After closing in XX/XX/XXXX. I received appraisal "drive-by" update upholding original appraisal but limited MLS inquiry to houses sold to max of $100.000 since date of original appraisal.  Three weeks after original appraisal, house XXXX with initial identical floor sold for $40,000 more than the appraisal of my house.  As after initial appraisal I made complaint to XXXX which denied any action.  Soon after closing on re-fi
 BOA re-applied for HELOC and was denied for # of delinquent accounts, proportion of balance to limit on revolving accts, too many inquiries in last 12 months, and insufficient length of revolving credit history.  Report dated XX/XX/XXXX for XXXX credit agencies shows
XXXX, XXXX, XXXX but another document shows XXXX for credit score.  Current report shows XXXX acct--XXXX of which have current activity.  Others have been paid off.  No. of  inquiries were elevated due primarily to activity related to re-fi and HELOC activity and  
one emergency home repair.  History reported goes back as far as XX/XX/XXXX.  I don't know where they came up with their conclusions.  I am satisfied with the ultimate re-financing but not with the hassles I had to go through to get to that point which had a deleterious effect on my health during this time.  I had to talk to too many different people to find out what was going on only to get no response.  Then to get this fabricated denial of my HELOC application was a "low blow."  I think it all revolves around the falsified appraisal.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Transunion have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts On XX/XX/21 please be sure to enter dates that all letters were sent. 

Due to no response for more than 60 days I would like these accounts removed from my credit Report
Product: Checking or savings account

on XX/XX/2019, XXXX charged me {$16.00} for buying a game, but I was unable to download the game on repeated attempts because no matter how many times I tried downloading it, the estimated download time was 8 days 15 hours at 68 KB/s. I've attached the evidence with this complaint.
Product: Debt collection

I have contacted XXXX about this bill and I cant get any info without an account number. This bill on my report has no account just an amount. In order for me to assure there has been no HIPPA violation I need verification of an account number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX a consumer in fact a natural person was reviewing my consumer report on XX/XX/2021. I noticed that Experian and other consumer reporting agencies are participating in fraudulent credit reporting activities by reporting inaccurate and unverified information to my consumer report without my XXXX XXXX written consent which is a violation of 15 usc 1681b. Also Experian and other consumer reporting agencies have breached my individual privacy which is a violation of 15 usc 1681a ( 4 ).
Product: Debt collection

National Credit System failed to contact me about the debt they have allegedly ascribed to my name. I never received a phone call, any mail, nor other written notice - I had no idea this existed. I am currently in the process of validating the debt after I discovered it via checking my own credit report independent of any formal notice from National Credit System.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely repaired : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Debt collection

I am writing regarding this agencies illegal collection practices. UCB is practicing completely illegal collection practices. I have a voicemail that was left on a family members voicemail that stated, " if the person was not " my name '' to hang up if not continue to hold. There is a full recorded message that I have from a family member ; that 's completely illegal stating information regarding a collection debt.The message also proceeded to leave they are a debt collector collecting on a collection/delinquent account. I have never received anything or heard of this company. As a collection agency should n't information be verified prior to speaking to anyone or leaving a full voicemail regarding the call.
Product: Mortgage

I received numerous notices and calls from PennyMac to refinance our home which is currently financed through them. After I initiated a call to XXXX and spoke to XXXX XXXX who portrayed inaccurate information and extremely high loan costs to me while trying to portray how great of a deal this was. He almost had me convinced until I asked some questions and carefully reviewed the loan estimate documents and realized between the numbers he quoted me on the phone and included in e-mail were inaccurate and did not correlate to the loan estimate document. XXXX XXXX even portrayed or stated he was a vet which had me more convinced this was above board. Although Im not certain whether he was honest about his military service, based on my revealing and confirmed with my son and another mortgage entity that the loan costs were hugely inflated, the immoral behavior is simply inexcusable and as a consumer, I request action. I saved the emails and printed copies of the documentation he sent me. After I contacted my son who was in the mortgage business, I realized XXXX XXXX was overcharging us by anywhere between $ 8k and $ 10k in loan costs which I believe PennyMac and XXXX XXXX are returning those additional funds to the bank, lenders or loan officers pocket. I have notified XXXX XXXX to cancel our loan request but am concerned as to the security of my PII information and the unethical practices of PennyMac and its employees.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX # XXXX - BALANCE {$2200.00} Account Name : XXXX XXXX XXXX # XXXX - BALANCE {$150.00} Account Name : XXXX XXXX XXXXXXXX # XXXX - BALANCE {$720.00} Account Name : XXXX XXXX # XXXX - BALANCE {$200.00} Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXX  XXXX # XXXX - XXXX {$77.00} Account Name : XXXX XXXX XXXX # XXXX - BALANCE {$280.00} Unauthorized inquiries XXXX  XX/XX/2022
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  has open a account on in my name using fraud. 
I have attached a police report of the ID theft
Product: Vehicle loan or lease

Loan approved when I submitted social security number and they verified my income. Terms were {$0.00} down and approximately {$400.00} per month.

Mid deal bank asked for {$800.00} down because I only had my paper Drivers license. I renewed my license yesterday.
Product: Checking or savings account

Over a period of three days in early XXXX, 2021, USAA Bank allowed a number of fake checks totaling almost $ XXXX to be deposited via its mobile deposit app feature into a joint checking account and a joint savings account that I share with my niece, XXXX. My niece, who lives in XXXX, VA, was complicit in the fraud and I have been working with the bank to resolve the issue. I live in XXXX, VA, four hours from XXXX and I was not aware of the fraud and did not participate in the fraud. However, I have been working diligently to bring the account back to {$0.00} in order to close the account and disassociate myself from my niece and her wrongdoing. 

I am upset and frustrated that when USAA Bank accepted those deposits ( each fraudulent check was over {$9000.00} ) they DID NOT PUT A HOLD ON ANY OF THE MONEY, and USAA ALLOWED MY NIECE IMMEDIATE ACCESS TO ALL THE FUNDS. She was able to use her ATM debit card immediately AND REPEATEDLY to withdraw {$12000.00} out of the account in reliance on the fraudulent checks. She made numerous {$1000.00} withdrawals from the same XXXX, VA ATM ( again, totaling {$12000.00} ) over a span of two or three days, in reliance on those fake checks. She was also able to use an XXXX XXXX XXXX. to pay a third party {$1900.00}, again in reliance and against the $ XXXX in fake checks she deposited. 

I believe this is an unacceptable banking practice. Those checks, at minimum, should have had at least half of the funds placed on hold, until the bank confirmed that those checks were legitimate and that those funds were available. 

Because they allowed the joint account holder immediate access to ALL OF THOSE FUNDS, I was responsible for paying restitution to the bank to bring the account back to {$0.00} so I could close the account. The total amount I owed as a joint account holder for USAA Bank 's oversight is {$14000.00}. I believe the damage could have been much less had USAA Bank practiced sound banking policies to protect consumers like me from this type of fraud.
Product: Credit reporting or other personal consumer reports

This is my six endeavor 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX  {$100.00} U S DEPT OF EDXXXX XXXX XXXXXXXX {$2100.00} XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I mailed 2 certified letters to XXXX XXXX XXXX XXXX XXXX to have them validate 2 different collection accounts that they are reporting on my credit bureau report. One is in the amount of {$2900.00}, and the other one is in the amount of {$2600.00} In my certified letters I included copies of the area on my credit report where it shows all the information for them to validate the debts. The response I received back from them was they were unable to locate and validate the debts. Because they are unable to locate and validate by law they are supposed to remove the debts from my credit report, and as of today they are both still reporting.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX {$2100.00} XXXXXXXX XXXX Account number XXXX Original creditor - Company sold - Account type Credit card Date opened XX/XX/XXXX Open/closed Closed Status Account charged off. {$2100.00} written off. {$2100.00} past due as of XX/XX/XXXX. 

XXXX Account info Account name XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX Date opened XX/XX/XXXX Status Collection account. {$29000.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXXXXXX XXXX
Product: Mortgage

In XXXX, I took out a loan to finance a commercial property. Fay Servicing, ( XXXX ) XXXX. Was the loan servicer. In XX/XX/XXXX, I refinanced the mortgage, meaning that the loan I had was satisfied. Fay Servicing then had four months, under XXXX Revised Statute 38-35-124 to release the deed of trust from the property. Fay Servicing has not released the deed of trust for the property, meaning that they still have a loan attached to the property which has been paid off. 
Fay Servicing, on one or two occasions, filled out and submitted an incorrect request for release of deed of trust to the XXXX XXXX XXXX XXXX for processing. The Trustee rejected the filings on both occasions, since Fay failed to use the XXXXspecific form to release the deed of trust. Per Fay Servicing 's instructions, I submitted the correct forms to them at their lien release department, XXXX. I have never received anything after submitting forms to that email, not even an acknowledgment of receipt. I have called the company approximately 15 times, and each time, the phone rep refused to give me the name of a real person I could talk to about this matter, until someone was kind enough to give me the name of XXXX XXXX, ( XXXX ) XXXX, email XXXX. I have repeatedly called and emailed XXXX XXXX, who, like the phone reps, stated that they would " escalate '' my request. Translation : my request went to the trash. I request the CFPB 's help in getting Fay Servicing to complete the right forms and release the deed of trust, something required to have been completed under XXXX law over a year ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX both removed a collections account from 2008, Experian has refused to do so. It is 7 years past the statute of limitations, and this single item is preventing me from getting approval for even credit rebuilder loans. Experian has not been helpful, and has not removed this mark. Adding complication to this is the inability to dispute online, forcing me to call during work, which is interfering with my duties.
Product: Credit card or prepaid card

I applied to American Express on XX/XX/2022 for the XXXX XXXX XXXX American Express Card. On XX/XX/2022 the decision was made and I was denied. The reason for the adverse action letter states : My FICO score. My reference number is # XXXX. Attached is the company adverse action letter and how they violated me and federal law by Pursuant 15 USC 1642, 15 USC 1681M and 12 CFR 1002. This is clearly a case of discrimination and adverse action and I demand American Express to comply with Federal Law regulations.
Product: Mortgage

Initially started forebearance back in XX/XX/XXXX then I requested to be cancelled shortly before the XXXX 's mortgage payment was due. I then made 6 months of consecutive payments until XX/XX/XXXX then restarted the foreberance plan. Fast forward to XX/XX/XXXX, roundpoint customer service rep stated i don't qualify for my full 18 months of foreberance because they counted the 6 months gap as part of the 18 months. Then I proceeded to escalate the issue to roudpoints " escalation team '' they have stated in an email saying I do qualify for the full 18 months. I have called in multiple times between the date XX/XX/XXXX until XX/XX/XXXX, roundpoint customer service stated on the phone the task is still pending.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax 's breach has put my information at risk and millions of others.
Product: Payday loan, title loan, personal loan, or advance loan

Apparently, this company gave me this loan by classifying it as a business loan but presented it to me as a regular ( consumer ) loan. At the time I took the loan, they walked me through the process over the phone, and held the line while pushing me to accept the loan terms- rushing me through the process so quickly that I did not know/understand what they were doing. 

I do not know why they would take this business loan out for a business that does not exist, and am perplexed that I do not have any consumer protection here because of it. I suffered a significant health event ( comprising of a XXXX figure hospital bill ) and I am suffering through this process. I honestly don't know why these aggressive and unethical people are sharks in the water, but I don't know what to do about it. 

Lastly, I sent a letter asking them to stop calling relentlessly a year ago - and, I have been called more than XXXX times since. 

Company Info : BHG Financial XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, FL XXXX
Product: Mortgage

I started working with a company called LOAN DEPOT. I sent a ton of documents. This went on for several weeks. Tax forms faxed to the second person handling our refinance. I was told it was go and everything looked good. We have excellent credit. I explained everything that was on our credit report. He told me that he would be needing an appraisal at some point. I told him let me know because I use a medical debit card and would need to put the money in. I was in an accident had to go to the ER and and when I went to pay my card was declined. I checked my account and they took out XXXX without telling me. My husband has loan on his c credit report but I explained that we do n't pay the loan my son does. And h he has been for 3 years. 
I was upfront about this and they said it was not a problem. I asked for my appraisal back since they did n't give me the loan that they said was a go..I was told it would go into for review about the refund. They once again sent and email denied the refund. I was told by another mortgage company that you do n't do an appraisal unless you review all the paperwork, tax returns, credit reports etc ... These guys wasted weeks of time, energy, and money only to get nothing. I have refinanced before and never have I had so much problems with documents having to be refaxed. I was told that you ca n't fax documents. 
I just want my XXXX back. I am with another bank and had to pay for another appraisal. This loan is a go but these people lead me on and just c continued to ask for more documents that they already received. It took six weeks to figure out whether or not we would qualify. Well we certainly ha had all the documents in order. We have very good credit. Just stole XXXX from me and probably knew they would never go through with the refinance.
Product: Credit reporting or other personal consumer reports

The investigation for XXXX XXXX XXXX XXXX Creditor : XXXX )/ XXXX Is indeed a violation pursuant to section 623 of the FCRA,
Product: Mortgage

I refinanced with PennyMac in XX/XX/XXXX. I signed up for bi weekly payments in order to reduce interest and shorten the term of my loan by making an extra payment every year. In XX/XX/XXXX, I requested that they suspend a payment so I can keep the principal only payment. The payments continued to come out of my account. As of XX/XX/XXXX, the bank has mismanaged my payments and suspended payments causing multiple problems with my account. My principal and interest payments are incorrect and the account still has n't been resolved as of today, XX/XX/XXXX. I spoke with multiple reps, but just started keeping track of reps that I spoke to. On XX/XX/XXXX, I spoke to XXXX at ext XXXX. Then on XXXX XXXX, I received a collection call from XXXX requesting a payment. Then I received a collection letter dated XXXX stating my XX/XX/XXXX payment was never received even though I am on a bi-weekly payment plan. Then I called on XXXX XXXX and spoke with XXXX at ext XXXX who said she would request a complete analysis of my account from the first payment. I had a scheduled payment that was supposed to come out on XX/XX/XXXX that has not come out yet. As of now I am paid up for the month of XXXX, yet my account is still in the collections department.
Product: Payday loan

This lender refuses to remove false debt off of credit report. This is a payday loan and payday loans are not on credit reports!