23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On  XXXX   XXXX   XXXX , I went online to find a Finance company  and chose New American Funding,  I paid the {$650.00} appraisal fee and was than told " they could not find a n appraiser that would drive out this far. '' I told them that was odd since I was only 28 miles from the largest city in the state and sit in the middle of three major towns. Then they told me that the apprais al fee had gone up to {$1000.00}, I protested this, changing the price after the deal was done and paid for already, so they said the extra would be added into the loan. At this point I said OK lets just get it done. On  XXXX   XXXX ,  XXXX  they finally did the appraisal, Then at the end of  XXXX  I was informed  that the appraiser was not certified to do the type of appraisal they needed and that a new appraiser had to go over it and sign off. Unfortunately no appraiser wou ld sign off so a new appraisal was done, that was done on  XXXX   XXXX ,  XXXX  if memory serves me correctly. After that I kept calling and was told that it was sent in for approval and it would be any time now. Since then it has been and endless string of phone calls and emails with nothing happening. The first loan officer  XXXX   XXXX  turned my loan over to  XXXX   XXXX  after I first mentioned I was considering contacting you people, he than told me they needed more information from me, even though  XXXX   XXXX  had assured me that I had done everything needed and it was only a " paperwork hold up '' but any way had had the papers emailed to them with in a few hours of the request. That was  XXXX   XXXX ,  XXXX . On the  XXXX  I informed them I would be on vacation from the  XXXX  of  XXXX  to the  XXXX  of  XXXX  but that I would have my phone and laptop with me so I could be reached at any time.  XXXX   XXXX  called me on the  XXXX  of  XXXX  and said he expected to hear some thing any time now The file was sent to an underwriter for final review on the  XXXX  of  XXXX . And here it is  XXXX   XXXX  and I have had no word of any kind. I have repeatedly told them how frustrating their lack of communication is and I do n't know how to proceed. Any help would be Appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

After 7+ months of calling and writing Equifax XXXX and XXXX requesting them to investigate, update, modify, and or remove the inaccuracies on my credit reports, and also filing a complaint with CFPB on XX/XX/XXXX with DOCUMENTATION proving the inaccuracies and the FCRA laws they were violating, they recently notified me that they have completed their investigations and Verified In Writing while attesting to the FACT that the information contained in my reports were Valid and Accurate. 

Well, I have documentation that the information in my credit reports are STILL Inaccurate, Outdated, as well as in violation of the FCRA. 

Under 15 U.S. Code 1681i of the Fair Credit Reporting Act, The Treatment of Inaccurate and Unverifiable Information : 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 SHALL ( i ) 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 ; If a thorough investigation was completed and the information supplied by the data furnishes was accurate, why do my credit reports reflect INACCURATE information on the same accounts yet reported to different Credit Reporting Agencies? 


XXXX XXXX XXXX XXXX Auto Loans Acct # XXXX ending in XXXX and XXXX : Dates of Last Payment, Dates Last Active Payment History Differ at Equifax and XXXX. Also on XXXX XXXX reports CURRENT and Equifax reports Late 30 Days. 

These accounts are Joint with my wife XXXX and found to be Inaccurate and Removed from Equifax! 

XXXX XXXX XXXX Account # XXXX Amount {$8800.00} Date Last Active and Date of Last Payment both differ at Equifax and XXXX. XXXX shoes CO Charged off XX/XX/XXXX but reporting as as an Open Account Late 180 Days at XXXX and Late 120 Days at Equifax?! The date the account was opened is incorrect. To prove this the original creditor is listed on my XXXX Report ( which I am attaching ) which reflects the Date opened to be XX/XX/XXXX in the amount of {$8800.00}. and it is being reported as XX/XX/XXXX. Which is further grounds for removal As Aforementioned, My Rights have been violated and Ive suffered denials to extensions of credit, higher interest rates, and financial hardship due to these inaccuracies reporting on my credit and NOT Afforded a Fair and Accurate Credit Score. 

Furthermore Equifax and XXXX have ALSO Improperly used my credit report and have violated the FCRA because 15 U.S.C 1681 Section 602 A States I have a Right To Privacy. 

15 U.S.C 1681 Section 604 A Section 2 States : A Consumer Reporting Agency can not furnish an account without my written instruction. 


There has been ample opportunity for the data furnishers to modify, update, correct, or Remove the inaccuracies they have reported so further attempts to modify or update violate the FCRA
Product: Payday loan, title loan, or personal loan

I filed a prior complaint with your office # XXXX requesting my loan be moved from the XXXX XXXX IL office to the XXXX IL office which is near where I work and more convenient. You contacted Heights Finance regional supervisor and the LIED to you and to myself also and said it was all taken care of and moved!! Today I got a call from the XXXX XXXX office from the office manager and called her back and talked to XXXX as she was with someone and I asked them why they were calling me as I was told my account was moved, she said no we cant move the accounts unless you refinance in another office! Yes they can I know because I was a XXXX  at that very office in XXXX  and know they just dont want to lose the account!! Please enforce the laws and make them move it and hold them accountable for lying to two government employees!! They are absolute trash!!!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account Child support XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 SECTION 602 A State I have 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 1681e ( b ) and 15 U.S Code 1681i ( 5 ) this account in violation not reporting 100 % accurate its lists the Child Support court as the furnisher thats forgery and misleading when the courts dont report this type of account.
Product: Debt collection

Thank you for covering up all this information and this lawsuit saying it dos n't matter
Product: Consumer Loan

I finance my vehicle with CNAC in XXXX XXXX and have made my monthly payments on time, as reflected on my credit reports, since Day one. 
Starting in or around XXXX XXXX, my account representative was changed over to XXXX XXXX. Since the time he received my account, he began calling me days prior to my due date asking if I was going to make my payment. even after I confirmed that my payment would be made on the due date, he continued calling repeatedly asking the same question until the date of the payment. There would be days where he would call me multiple times and leave multiple messages. In XXXX and XXXX, XXXX XXXX made hard inquiries on my credit reports without my consent. He continued harassing me all through XXXX XXXX. In XXXX, he sent another employee to my residence demanding payment or he would have my vehicle towed. when I refused to pay him, he proceed to act as if he was calling the tow truck. I then called CNAC directly where they advised the employee to leave the premises. 
My account was transferred over to XXXX with CNAC in XXXX and that was fine until today. XXXX called me and left me a message regarding my promise to pay today ( which was fine ), but then XXXX XXXX called me and left me a message as well, following up on his harassment. when I called back in to make the payment, XXXX answered and I requested to speak with someone else, he refused and stated that there was no one else to speak with. he then began being very rude to me and asking why I had a problem with him. when I advised that he was in violation of the Fair Debt Collection Practices Act, he stated that I was just making excuses for my payments being late and started being very derogatory. He refused to transfer my call so I bid him farewell and called back and made my payment with another employee. XXXX has been in violation of the Fair Debt Collection Practices Act and has continued harassing me amidst my requests for him to stop.
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 XXXXXXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or 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, credit repair services, or other personal consumer reports

I am requesting that XXXX XXXX XXXX XXXX. remove XXXX x 30 day late dated XX/XX/2020 from XXXX, XXXX, Experian. This payment " late '' due to 2 extenuating circumstances beyond my control & directly attributable to XXXX XXXX XXXX XXXX XXXX actions. As usual, I attempted to hand deliver my mtg.payt.to the XXXX XXXX XXXX XXXX branch on - however, XXXX XXXX XXXX would not allow clients to enter the branch & would not accept my payment thru the locked door. I tried another branch the next day & had the same result. XXXX XXXX XXXX XXXX locked & refused payment slide under door. 
I then attempted several times to send mtg. payt. via electronic funds transfer. XXXX, the bank that I write checks from, ( formerly XXXX ) was in the process of being taken over by XXXX XXXX. Unknown to myself ( or any customers of XXXX ), XXXX had started to transition/change routing # 's. My electronic funds transfer attempted mtg.payt. was rejected several times due to XXXX not accepting the existing XXXX routing # which I had for 40+ years. I went to the XXXX branch, explained the issue & was provided with an incorrect new routing #. The eft failed again. ( XXXX employees were unaware that XXXX had started the change over ). I finally obtained a correct XXXX routing # & the payt. was processed. 
These circumstances are beyond my control. I should not be held responsible for XXXX XXXX XXXX refusing an on time mtg. payt. XXXX bank acquisition changing of routing #. ( Note : XXXX said they would have honored the mtg.payt.check with the old routing # if XXXX XXXX XXXX had accepted my check with the XXXX routing #. ) I have provided attached evidence of my contact with XXXX XXXX XXXX ( no response ), letter from XXXX admitting XXXX did not recognize their own routing #, and I that I had sufficient funds. There is an error ( of course ) in the XXXX letter. The routing # change began in XXXXXXXX XXXX, it was completed in XX/XX/2020 as stated in the XXXX letter ( they are a mess ). I have provided documentation of XXXX takeover of XXXX, proof of multiple attempted mtg. payt.s prior to the due date. 
Please feel free to contact me re : questions, comments or additional documentation. 
Thank you for your assistance with this matter.
Product: Credit reporting or other personal consumer reports

Santandar USA failed to adhere to court judgment by order to remove account from credit by consumer lawsuit. Account is reporting inaccurate information. Failed to provide any documentation after 90 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are fraud, i disputed them many times- XXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and as a result, my personal and 
financial information has been compromised. In light of this, I request that the following 
accounts be immediately blocked and deleted from my credit report pursuant to 15 USC 1681c2(a) and FCRA  605(b):
Accounts to be Blocked and Deleted:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries: XXXX XXXX
Product: Checking or savings account

I purchased couches from XXXX on XX/XX/XXXX - shows up as XX/XX/XXXX on my bank statement and I ended up returning them for being defective. XXXX picked up the couches on XX/XX/XXXX they issues a refund to my debit card which was an old card that was closed ( XXXX ending in XXXX ). Called chase and XXXX numerous times with no help.. went to Chase branch and they have no history of my account from XXXX. XXXX sent me proof of them issuing the refund but I think chase is the issue basically holding my money.. refund amount is {$2500.00} which was sent from XXXX on XX/XX/XXXX. Still havent received the refund and XXXX nor Chase will help. 
Attached document is the refund from XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX violated my consumer rights by reporting inaccurate information to consumer reporting agencies i.e., Equifax, XXXX, and XXXX. XXXX XXXX XXXX XXXX did not mail or deliver a statement disclosing a payment was due 21 days before the payment was due to settle the account balance. 

15 U.S. Code 1666b - Timing of payments requires XXXX XXXX XXXX XXXX to mail or deliver a statement no later than 21 days before the payment is due to settle the respective account. 

Inaccurate Information Reported by XXXX XXXX XXXX XXXX Between XX/XX/XXXX, and XX/XX/XXXX " 30 Days Late '' Between XX/XX/XXXX, and XX/XX/XXXX " 60 Days Late '' 1 inaccurate late payment was reported in XXXX. 
XXXX inaccurate late payments were reported in XXXX. 

XXXX XXXX XXXX XXXX is also violating 15 U.S. Code 1681a - Definitions ; rules of construction by reporting transactions and or experiences between the consumer : XXXX  XXXX  and the person : XXXX XXXX XXXX XXXX. Payment history is considered a transaction between the consumer and the person. On time, missed, and late payments are considered experiences between the consumer and the person. Both transactions and experiences are listed as exclusions in 15 U.S. Code 1681a - Definitions ; rules of construction.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I do not consent to electronic statements, and or notifications. All correspondence shall be sent to the consumer via letter mail no later than 21 days before the payment is due on the account. 

I understand that mistakes can occur during business transactions and that is the reasoning for my correspondence to XXXX XXXX XXXX XXXX. Thank you for your time and consideration. 

Dated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XXXX XXXX XXXX {$3200.00} and client disagrees. She reports that she does not owe XXXX. 
Creditor is XXXX, XXXX Account Card number : XXXX XXXX Global Credit and Collection Corp. Global ID XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Illinois XXXX XXXX XXXX Credit Card Account number ... ... XXXX XXXX XXXX issued a refund check {$110.00} on XX/XX/XXXX but she was not able to cash it. Check XXXX Phone number : XXXX. The client was informed by her bank, XXXX XXXX, that the refund check was returned unpaid. A stop payment was done onXX/XX/XXXX # XXXX. 
Client reports that she had a Life policy insurance with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Policy Number : XXXX and XXXX Toll free Number XXXX.Client was informed that the cash value {$4000.00} for each and on XX/XX/XXXX,  the company sent you paperwork to fill out to cash the value. The client filled out the paperwork and she had it notarized by XXXX ... XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , California . The client sent in all the paperwork that was requested and the company sent her a letter stating that the insurance policies had lapsed.
Product: Debt collection

A rental debt collected by my husband ( over 2 years before we were ever married ) has just shown up as a collection on my credit report. It is not my debt. I was not on the lease. I never signed the lease. I did not live on the property. I have never even lived in XXXX, TN. I lived in XXXX, TN during the time this lease was active and I can provide proof, as I was in a lease with an apartment at that point in time. 

I reached out to the debt collection agency and requested that they send me the proof that I was on this lease and that it was indeed my debt. They have not provided proof, because it is not true. I have disputed this collection and it was denied because the collection agency will not remove my name from the collection. 

Again, this was a lease that my husband owed well over 2 years before we even got married. It is not my debt.
Product: Vehicle loan or lease

This is going to be kinda vague. I do have XXXX and XXXX. I have a big problem with the financial company I'm using due to my XXXX. To ask simple generic questions is talking over an hour. Before I got coupon book I asked once I make payment if I wanted to pay extra what would I do. I could never get an answer because of protocol. I've asked for help understanding things an they seem not to be able to stay on subjest. I call to set up auto pay and they refused to help me because they wanted me to make a payment first. The account wasn't past due. With my XXXX I usually have to practice how I want to do! Hi ngs if you make me change it won't work. 
I've even had staff make comments about my XXXX. One person stated she knew someone with XXXX and based on that determined I didn't need help that I was just wanting to cause trouble.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Debt collection

in XXXX Asset Acceptance LLC won a default judgement in court against me, I was not even notified that there was a court hearing involving me nor did I know about the judgement. I was unaware of this until just last year XXXX. In XXXX I recieved a notice that my wages were being garnished by Asset Acceptance LLC in the amount of {$5300.00} XX/XX/XXXX. I have no idea what this debt is for because there was no way I ever could of owed this amount considering I never had any credit over the amount of {$500.00} due to my credit and that was still long ago. It also would not add up to XXXX. They garnished me and still are currently garnishing my paychecks and I still have not been told what this debt is for. I then got a second notice that dated XX/XX/XXXX calculating debt at {$6100.00}. The amount had gone up suddenly after they had been garnishing my checks already which is not possible at all. I thought it was strange so, I looked up the case by the number on the garnishment papers and from what the court shows on file is that Asset Acceptance LLC won a default judgement in XXXX and that the monetary awarded amount was {$3400.00} and had sent garnishment papers to several banks or something thinking I worked for these banks and were told I did not. I never have worked for any bank so, not sure where they thought I had. as well I had plenty of jobs from XXXX until currently that they could of garnished wages from yet, never had. The court case they have listed on the papers also is stated as CLOSED. So, not only are they garnishing me f something I dont even know what it is for, they also are garnishing me from a closed case from XXXX in which the amount that was awarded was XXXX, yet, they are garnishing for XXXX now after they have already garnished me for almost a year and gotten at least XXXX from garnishing me already after first listing the amount owed as XXXX. I think this company is fraudulent and garnishing my wages for a old judgement that is now long been closed and they are changing the amount of debt owed and increasing it even after they have gotten payments garnished for nearly a year. They also were only awarded XXXX in the judgement by the court so, why are they trying to collect almost twice as much. There is obviously something very wrong here and they are trying to collect far more than they are suppose to that is if they can still collect on a closed case from XXXX, which I dont think they can.
Product: Checking or savings account

Zion 's Bank, based in Utah, is engaging in outright unfair banking practices by habitually and deliberately re-ordering transactions and posting deposits irregularly so that the customer incurs their outrageous overdraft fees. 

I have made multiple attempts to resolve this with the bank to no avail. They simply lie shamelessly. 

This year alone I must have incurred over {$1000.00} in these fees, some of which the Bank reimbursed, but most of which they haven't. Plus, they will not stop this practice turning every banking transaction into a guessing game which is devoted to figuring out how to steal more money from me and people like me.