23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We went under contract ( XX/XX/XXXX ) for a house and 10 days later there was a appraisal done on the house. The published appraisal ( XX/XX/XXXX ) came back at the price we offered for the house. Over 3 weeks later ( a couple days before closing XX/XX/XXXX ) I get a email from the mortgage company ( Envoy Mortgage ) stating they did not agree with the appraisal and had a ( emailed on XX/XX/XXXX ) desk review appraisal done. This appraisal came in at XXXX dollars less than the original. And they stated we needed to come up with the XXXX dollars before closing. We were already putting just less than 100,000 down on the house and XXXX more was not possible. Also that day the lady who sent the email stated in the email she was out for the whole day and not available and to talk to her boss ( email/number provided ). She stated he understood the problem. So I called him and explained our house ( we were living in ) was being sold the same day as the closing on the new house. And by this email we were homeless come monday. He thought we had a couple weeks before closing and not a couple days ( I understand now these reviews are around 3 days after the appraisal and not 3 weeks ). So he hung up to get the story. After an hour ( still XX/XX/XXXX ) he came back and said the desk review stands ( XXXX less ) but because this put us in a PMI situation they would pay for it because of the lack of communications. Next the regional boss of the mortgage company wished to talk to me. After several minutes of him selling me on how good this was for us. He offered to pay half of the PMI as good faith money. And he stated he bullied the sellers to drop their price by XXXX dollars. I told him that the other manager offered the whole PMI and he stated he did not have the authority to do that. So I stated I had a PDF document stating they would pay. I email it to him and he stated they would pay ( but was not happy about it ). And that was the last I heard from him. So I call the first manager to ask if the first appraisal or their appraisal would be the one of record. He stated the lesser one. So I rised my concern over them using an appraisal in which people did not see the house or all the remodelling done to it. They used appraisals of houses with XX/XX/XXXXXXXX XXXX decor. which fell into that lower range. My complain is this : The review was relayed to ALL parties on XX/XX/XXXX 3 weeks + after the appraisal ; They dropped the value of the house so now we are XXXX dollars over the value ; They treated everyone like it was our doing and not theirs ; At the closing they tried to have my girlfriend sign a document stating we were aware of the second appraisal and she was Ok with that action, and I did not get that same paper being co-owner ( we did not sign it ). This company treated us poorly, they change the appraisal without telling anyone, until it was to late to do anything about it. Although they paid the PMI everyone felt they were just trying to sweep it under the table so they did not get a black eye over it. And why add the paper in the signing to state it was Ok what they did, that made me think they did something very wrong.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), has violated my rights.

15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting angency can not furnish an account without my written instructions.
Product: Checking or savings account

TD bank has charged me over XXXX $ on fees of XXXX $ XXXX XXXX They have my account at XXXX XXXX If I am not mistaken theyre fees start at overdrafts of XXXX $ XXXX, not XXXX XXXX I have tried to work with them but the best they have done is XXXX XXXX They said it is to late to Pay in 2 parts. I have paid them I think over XXXX $ in similar instances
Product: Credit reporting

I have filed a dispute before regarding this issue with XXXX previously in XX/XX/XXXX for XXXX and they have sold my info again to another debt collection agency by the name of Enhanced Recovery XXXX ( ERC ). I filed a dispute XX/XX/XXXX and the item was deleted and removed from my credit report on XX/XX/XXXX for XXXX. I received a alert from my credit bureau regarding this issue XX/XX/XXXX for the same issue and I do n't have any knowledge of this account. ( XXXX & XXXX Credit Reports )
Product: Debt collection

I am filing a complaint regarding the inaccurate reporting of my Capital One accounts. Despite these accounts being closed, I am receiving emails about them showing balances owed. This is misleading and negatively impacts my credit report.

1. **Fair Credit Reporting Act ( FCRA ) Compliance : ** - **Section 1681s-2 ( a ) ( 1 ) ( A ) : ** Information furnished must be accurate and complete. Reporting a balance on a closed account is not accurate.

- **Section 1681e ( b ) : ** Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

2. **Fair Debt Collection Practices Act ( FDCPA ) : ** - **Section 807 ( 2 ) ( A ) : ** Prohibits the use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 

3. **Consumer Financial Protection Act ( CFPA ) : ** - **Section 1036 ( a ) ( 1 ) ( B ) : ** Prohibits any covered person or service provider from engaging in any unfair, deceptive, or abusive act or practice.
Product: Student loan

My issue has been going on since XX/XX/2018. The call center reps at Navient have no idea what each other are doing. No information gets passed on and you're constantly having to retell your situation, only to be passed on to someone else and start over. No one there provides solutions to the problems and they NEVER follow up with you. It's ALWAYS been me having to chase them up. The only correspondence I've gotten from them are the incessant emails about my account being due for payment. I live overseas and have been paying my student loans on time, each month via my XXXX debit card that's linked to my foreign bank CHECKING account. As of the new year XXXX 2018 ) Navent has said that the Department of Education identifies foreign debit cards as credit cards, which they can not accept as payment. I've insisted that my debit card is in face a DEBIT card and not a credit card more times than I care to count. I don't even own a foreign credit card!! So one of there reps, XXXX XXXX ( a customer advocate, what a joke ) sends a generic email explaining that I need my overseas bank to certify my card as a debit card and to upload the letter as well as the first 6 digits of my debit card onto my Navient account. I got a letter describing EXACTLY what sort of card I have ( a XXXX XXXX linked only to my checking account ) with the bank 's official seal stamped on it AND a photo copy of my card. I rang a couple weeks later to see if anyone had began to action his and the rep had no idea what I was talking about. I've rang and emailed XXXX about 8 times in the last 6 weeks and have absolutely zero response back from her. In fact, I conveniently get her voicemail EVERY time I ring her. I am living overseas in another country, making every effort possible to make timely payments on my student loans and Navient has made this process so miserable I fee like giving up all together. No one is there to help. They're there to get their 8 hours of work in and leave. I'm so sick of having to be the one chasing them up and bending to their rules. I pride myself as being one of  the borrowers making a conscious effort to do right by my debt, but Navient has made it all but impossible. How am I meant to pay with my overseas debit card if Navient doesn't allow it? I hope the complaint gets received by the proper channels and authorities. The higher ups are lacking when it comes to procedures for overseas borrowers and how to help them make payments.
Product: Debt collection

Portfolio recovery calls me multiple times a day from multiple phone numbers harassing me for a debt I never took out, but is showing in my credit report. I've tried disputing the charge a number of times and they refuse to close the account. Callers are very rude and threatening.
Product: Vehicle loan or lease

In accordance with the fair credit reporting act, Capital One Account # XXXX has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B states a creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.
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 XXXX XXXX XXXX. I told experian, XXXX XXXX XXXX to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights. 
XXXX XXXX XXXX section XXXX. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX U.S.C XXXX ( A ) ( a ) 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. 


I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Called Equifax four times in the last 2 mths and Spoke with Reps, Concerning about 17 inquiries that I have no knowledge of nor have given anyone permission to run my credit. I have called and called and nothing happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION IS IN VIOLATION OF MY CONSUMER RIGHTS. TRANS UNION WILL NOT REMOVE FRAUDULENT ITEMS OFF MY REPORT AND HAS ALL THE EVIDENCE. I H AVE SENT IN PROPER DOCUMENTATION TO RMOVE ALL FRAUDULENT ACCOUNTS AND ALL FRAUDULENT INQUIRIES AND TRANS UNION HAS VIOLATED MORE LAWS. TRANS UNION IS IN VIOLATION OF : 1 ) 42 USC SECTION 408 - PENALTIES 2 ) 42 USC SECTION 405 ( c ) ( 2 ) - EVIDENCE, PROCEDURES, AND CERTIFICATIONS 3 ) 15 USC 1601 - TRUTH AND LENDING ACT 4 ) 15 USC 1602 ( g ) - DEFINITIONS AND RULES OF CONSTRUCTIONS 5 ) 18 USC 1028 A - AGGRAVATED IDENTITY THEFT 6 ) 15 US Code 1681a ( 2 ) ( B ) - CHARGE OFF, REPO, FORECLOSURE 7 ) 15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT 8 ) 15 US Code 1681e ( b ) - MAXIMUM ACCURACY 9 ) 15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION 10 ) 15 US Code 1692 C - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION 11 ) US Code 1692 G - VIOLATION OF REPORTING A COLLECTION 12 ) 15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE 13 ) 15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS 14 ) 15 US Code 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE 15 ) 42 USC 408- ALSO ( ILLEGAL AND FRAUD TO ASK FOR SOCIAL SECURITY NUMBER ) ALL VIOLATIONS THAT I HAVE BEEN COMMITTED AGAINST ME, MAY BE SUBJECTED INTO A LAWSUIT LOCATED NEAR A VENUE NEAR ME. YOU ARE NOW TELLING ME AGAIN TO CALL IN AND1DISPUTE INFORMATION THAT DOES NOT BELONG TO ME. YOU HAVE 5 DAYS NOT 60 DAYS. ITS UNLAWFUL TO KEEP HARMFUL AND DECEITFUL INFORMATION ON MY REPORT. PLEASE AGAIN, REMOVE ALL HARMFUL, UNLAWFUL, DECEPTIVE, ILLEGAL, FRAUDULENT INFORMATION FROM MY CREDIT REPORT! I WILL BE SEEKING {$1000.00} PER VIOLATION, DAMAGES AND PAIN AND SUFFERING.
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. The following accounts need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 

XXXXXXXX XXXX XXXXXXXX and Bankruptcy XXXX XXXX reference XXXX.
Product: Debt collection

Credit Collection Services has attempted to collect a debt from me for XXXX and I never established a contract with this company, in addition this company has defamed my name and character and reported false information to both my XXXX and XXXX credit report.
Product: Credit reporting or other personal consumer reports

Experian continues to flagrantly violate my rights! XXXX XXXX unlawfully renewed a canceled policy that was unlawful to renew. XXXX XXXX XXXX is not licensed in WA and therefore in violation of FTC, FDCPA & FCRA. Experian is also in violation for reporting false information. The company has never contacted me by mail, only text. They have not profiled proof within the initial 30 days. I do not owe this debt and refuse to pay by extorsion. Experian needs to be reported to FTC for violations of : 15 USC 1692g - Failure to provide debt validation. 15 USC 1692c, 15 USC 1692e, 15 USC 1692g : False statement and representation. Failure to verify assignment contract, chain of assignment contract, purchase agreement and legal ownership of debt. FDCPA, FTC and FCRA violations-XXXX XXXX is not licensed in WA XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XX/XX/year> I request for Transunion to remove XXXX from my credit report. They have not been removed and I have recently found out XXXX sold my information to another company who Transunion is reporting. I would like for this to be removed from my transunion report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the late payment reported by XXXX. My account number ends in XXXX and the last four of my SS # is XXXX. I have been impacted by XXXX. I was admitted to the hospital in XXXX. Not only did I have the XXXX and was in the hospital for a long time, I lost my job. I spoke with XXXX and was advised My payments were deferred until XX/XX/2020. I get a credit alert and they have reported me as past due. This is a VIOLATION OF THE CARES ACT AND THE LATE PAYMENT NEEDS TO BE REMOVED! I WILL PAY THIS ACCOUNT IN FULL ONCE THEY CORRECT MY CREDIT REPORT AND REMOVE THE ERROINIOUS LATE FEES!!!!! I was told I was provided protections under the CARES ACT and they failed to adhere to what was offered to me! No one has called me from XXXX! I received no written notice or terms of the deferred payments/forbearance plan. All I had to rely on was what the Rep told me. I thought I was protected until XXXX. XXXX needs to make this right, AND COMPLY WITH THE CARES ACT AND FIX MY CREDIT REPORTING AND REMOVE ALL LATE FEES AND CALL ME ONCE THAT IS DONE! In either XXXX or XXXX, I was able to call XXXX and I had also filed a Reg Z billing dispute and sent to the designated address. The rep I spoke with saw the dispute in review. At that time, I paid the balance of my account but all a {$35.00} late fee THAT WAS IN DISPUTE! That was the only amount due. She told me, I would receive a written response. I NEVER RECEIVED IT! Not long after that call, I was back in the hospital due to complications from XXXX. I was just sent home yesterday. I was unable to take any action or call anyone regarding this account! 

XXXX needs to remove ALL THE NEGATIVE REPORTING THAT HAVE REPORTED AND TAKE MY BALANCE TO XXXX AND CLOSE MY ACCOUNT!!! THEY ARE IN TEH WRONG HERE!! HOW DO I OWE {$110.00} WHEN ALL I " OWED '' WAS {$35.00} THAT WAS IN DISPUTE??!! THEY NEED TO GET IT TOGETHER AND RESPOND TO THEIR REG Z DISPUTES AND COMMUNICATE WITH CUSTOMERS!
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXXXXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"
Product: Credit reporting or other personal consumer reports

I HAVE BEEN UNABLE TO GET MY REPORT FOR MONTHS NOW. PLEASE TO SEE ATTACHMENT AND UPDATE MY ADDRESS. IT IS UNLAWFUL TO REPORT AN ADDRESS THAT MY MAILS ARE NOT DELIVERABLE AT XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN CONTACTING XXXX XXXX  FOR YEARS NOW AND TO THIS DAY SENT LETTERS NO RESPONSE, THE COMPANY HAS A CREDIT ACCOUNT OPENED IN MY NAME IN XXXX AND CLOSED IN XXXX AND THIS ACCOUNT IS NOT MINE, I HAVE TRIED TO CONTACT THEM AND THEY DONT HELP, HAVE WENT TO CREDIT REPORTING THEY VERIFY THE ACCOUNT IS MINE, I HAVE SENT SEVERAL WRITTEN LETTERS NO RESPONSE
Product: Credit reporting, credit repair services, or other personal consumer reports

for violations of the Fair Credit Reporting Act ( hereafter the ( hereafter the " FCRA '' ), 15 USC 1681 et seq., as amended. 
The reporting of such inaccurate information has cause damage to my character my reputation my general mode of living and my ability to obtain credit cards loan for personal and household purposes you And your inaccurate reporting have damaged my livelihood.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I ask CFPB to intervene for the same issue ( see my past complaint XXXX ) and the fifth time I fight against Chase Bank for the same thing. Since XX/XX/XXXX, my credit report showed unauthorized Chase Bank 's hard inquiries : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. They have been removed after a long process and several mails and phone calls. Several fraud alerts have been activated during the entire process but the unauthorized inquiries never stopped. 
Today, checking my credit report on XXXX, I figured that on XX/XX/XXXX XXXX reported AGAIN a Chase Bank hard inquiry. I am really tired of doing this every time in fact is my intention to sue Chase Bank if, after this complaint, they will not fix the problem PERMANENTLY. 
Thanks for your time.
Product: Credit card or prepaid card

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX account has violated my rights. 

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 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Transunion numerous times. Regarding an account XXXX also know as XXXX. This account is reporting unlawfully. I have sent letters in regards to this issue. This account should be removed from my credit report.
Product: Credit reporting

i usually pull my annual credit report around XXXX. when i went to pull in ocotber XXXX it stated i already had a free report done that year. i did pull XXXX earlier that year but i paid for it. i just tried to pull it again XXXX/XXXX/XXXX this year to make sure info was accurate due to me loosing my social security card and it stated i have already recieved it free this year. this is inaccurate.
Product: Debt collection

They are reporting unauthorized transactions on my credit report that is not authorized by me.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX  XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

I kindly Request you to block this infomrat6ion from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed to be blocked and deleted company information TransUnion. 

Please delete the following accounts : XXXX Acct Number XXXX Balance : {$5400.00} XXXX Acct Number XXXX Balance : {$8200.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Acct Number XXXX Balance : {$3300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received a check from the XXXX XXXX XXXX XXXX without my knowledge about my involvement in the breach. Credit reports showed multiple negative reports by unknown agencies/individuals. All three credit bureaus ( TransUnion, XXXX, and XXXX ) failed to contact me and/or obtain my consent, verify information, and investigate their records. On XX/XX/XXXX, a report was filed with IdentityTheft.gov for fraudulent reports but no action has been taken from the bureaus. A freeze was obtained for a few months. However, the lack of security from which the bureaus are obligated to protect has caused in loss of financial stability.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX  Account # : XXXX XXXX  XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX Account # : XXXX, has violated my rights 15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 604 A Section 2, also it states a consumer reporting agency can not furnish an account without my written instruction In accordance with the Fair Credit Reporting Act XXXX, TransUnion, and XXXX have violated my federally protected consumer rights to privacy 15 USC 1681 section 602 A states I have a right to privacy addresses do not belong on my credit report 15 USC 666b states a creditor may not treat a payment on a credit card account under a consumer credit card plan as a late payment for any reason. 
XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX  Account # : XXXX