23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX I submitted a request ( and {$100.00} ) to have my PMI cancelled on my home mortgage via a Broker 's Price Opinion ( BPO ). The lender is LoanCare  XXXX XXXX XXXX, XXXX  XXXX, VA XXXX. XXXX. We brought the house on a short sale in XX/XX/XXXX for {$270000.00}. The house was in need of significant interior work. The house had a reverse mortgage on it from the previous owner of {$470000.00} at the time we closed on the house. We have performed all the necessary work and extensive upgrades to the property. We've on several occasions with real estate experts inquired about the current value of the home. Using the latest comparable 's in the immediate neighborhood from two different brokers, they estimated we should go to market at {$370000.00}, well in excess of the necessary value to have the PMI release from our loan. The broker chosen by the lender, came to our house on Sunday, XX/XX/XXXX. On Wednesday, XX/XX/XXXX, the broker called me to give me advanced notice the the lender was going to reject my request. The broker arrived at a value base on his comparable 's of {$350000.00}. He informed me the lender did a in-house quality review process and lower the BPO value to {$300000.00}. That value is clearly to meet their predetermined desired outcome. I've reviewed in detail the final BPO. The comparable 's they used are not in similar neighborhoods. I believe this is pure fraud on the lenders part to manipulate the numbers. I could request a full appraisal of the property, but once again the lender chooses the appraiser of which I have no confidence that it would be a fair appraisal with adjustments to achieve the lenders desired outcome. The house directly across the street sold for {$320000.00} with the original XXXX kitchen and XXXX sq. ft. Our house has been remodeled throughout with a new/remodeled kitchen and floors. The subject property is XXXX sq. ft, using simple math that would equate to a value of {$340000.00}. That value is not considering the {$20000.00} renovation for the kitchen. They can't really believe the BPO value is {$300000.00}.
Product: Checking or savings account

The problem that Im having is that Im being double charged and funds not being applied to my balance for example Ill buy something it will deduct the funds from my balance then it will say processing then it take the funds again then I cashed out with my cash app and didnt apply to my current balance
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed on XXXX that XXXX XXXX - Account number - XXXX is being reported on my Equifax Credit Report twice, as having a {$2900.00} balance as well as a {$2900.00} balance. It is also being reported as Date Opened on XXXX as well as Date Opened on XXXX. I sent a letter to Equifax on that day disputing this information. I received a letter back saying that the information was verified as accurate from Equifax a couple weeks later. I sent Equifax a second letter on XXXX with a copy of my credit report and highlighted the duplicate entry of XXXX XXXX on my account and the different amounts owed, dates opened and status dates. It has been over 30 days since then and my credit report for equifax still shows the same duplicate entry of XXXX XXXX - Account number - XXXX.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX XXXX I've noticed XXXX is releasing information to the 3rd party credit bureaus which are on my credit report : I DID NOT CONSENT to do so which is in violation. 15 U.S. Code 6801- Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 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. 

In addition, XXXX sent a repossession agent to take my motor carrier on XX/XX/2024 XXXX within seconds of me leaving into the USPS . The Co-Owner and myself proceeded to tell them to stop and not to take the motor carrier. One agent held me against my will as I was trying to access my carrier while the other agent entered his vehicle and ran my foot down over.

There was a witness who had observed and gave a statement to law enforcement. 
( Video Footage Available Upon Request ) XXXX XXXX  claim department was contacted and concluded with their investigation. XXXX XXXX offered {$5000.00} coverage for medical expenses. 
Since the that date, I suffer from severe emotional distress from the public humiliation caused by XXXX and its repossession agents. 

This was a direct violation of : ( California Commercial Code 9609 ) Breaching the peace means that the repossession can not involve bodily force or threats and they can not take property over your oral objections. The objection does not have to be loud or done with force. You must simply tell the repossession agent not to take the car.
Product: Mortgage

I have a mortgage loan with Quicken Loans for my main residence at XXXX XXXX XXXX # XXXX. Washington, DC XXXX. About XXXX this year, I thought of refinancing my loan with Quicken Loans, and also talked to XXXX. Both offers were not good to me, so I stopped. The problem is that after I stopped Quicken Loans state that they started receiving Payoff Requests from multiple sources that they can not identify and they are charging me {$25.00} per each of these requests. 

I told them verbally and in writing that I am NOT refinancing my loan, and to STOP providing these information to anyone. They say thay dont know who they are, but they can not stop, either. 

Please help me. I am being victimized. I am an elderly, handicapped woman and I can not afford this scam. 

Thank you. 

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

XX/XX/XXXX I was denied a line of credit which has NEVER happened to me - the report ( s ) pointed me to the fact that this particular / notorious company had put a mark on my credit over 5 years ago for an erroneous debt that their 'customer '' has nothing to do with in the first place - they have been called, written a letter ... written a CERTIFIED letter because they IGNORED the first one ... yet they still refuse to fix this problem - I rented a townhouse DIRECTLY from the owner/landlord - I lost my health then had money problems - moved out - owed rent - he ended up getting it all and his attorney filed a SATISFACTION of JUDGEMENT in XXXX - Their " customer '' who tried billing me for that SAME RENT ... sent their " bill '' to this notoriously corrupt and shady collection service in XXXX who used to have a different name for YEARS and had to change it to try to elude people in the area away from their terrible reputation - you can find PLENTY of online complaints and forums where people say the same thing I'm saying which is they claim debts they are NOT entitled to - Their " customer '' is a property management whatever that's responsible for the EXTERIOR / COMMON AREAS and NOT any tenants ' rent - Their " customer '' is The XXXX XXXX in XXXX XXXX PACIFIC CREDIT SERVICES in XXXX California USED to be CREDIT BUREAU ASSOCIATES XXXX I lived in XXXX  for 27 years - I heard PLENTY of horror stories about this place - their name changed but their practices have not - Next comes an Injunction suit including Compensatory and Punitive damages
Product: Debt collection

The company procollect was given my account after my duagjter moved out of an apartment complex in which I was guarantor, the charges were way more that anyone would ever pay for simple bathroom and kitchen cleaning for a stove to be cleaned that never even worked the entire time she was there, carpet repair when there was no carpet even in the apartment, I tried to explain my situation and that I would pay for reasonable charges but they do n't care about the principle or my innocence, they insist that I pay the XXXX dollars in full. I have called several times year to procollect and the apartment community and not one person is professional enough to at least investigate the matter. This is the only negative thing on my credit, I have never made a late payment on anything. I am professional RN for 16 years and am able to pay my bills, it is the principle here not the money. The unprofessional manner of procollect and their staff is unacceptable to consumers whom do actually pay their bills on time. The staff never even offered to call the apartment community to see if we could come to a conceses, they basically treat you as a lying flake
Product: Credit reporting or other personal consumer reports

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

I sent two dispute letters by mail to both Experian and XXXX XX/XX/year> and again XX/XX/year> with proof of identity.
Product: Student loan

I was never notified that my interest rates increased for XXXX my loans near the end of last year. As such, my payments went up and I did n't know that until I just happened to look in the portal. Essentially, I could have been seen as delinquent on my loans if I had n't caught it due to the lack of communication from the loan servicer. As a side note, it is generally not a profitable practice to leave your borrowers in the dark about rate changes, it is advised that a form of electronic or paper communication be sent before the next pay date that the rate increase affects.
Product: Vehicle loan or lease

I XXXX XXXX had ownership of a car from credit acceptence and I traded the car in at a dealership called XXXX XXXX in XXXX, NewYork part of XXXX. The dealer I gave the car to at XXXX XXXX never paid off the car, He never cut credit acceptence a check for the pay off amount for the car. The dealer ended up robbing XXXX XXXX of all the files and car deals that he made for the company. So, he stole my files to the car and any evidence that I traded in the car owned by credit acceptence. He ended up consequently getting my trade in car from credit acceptence reposssed off of the XXXX XXXX car lot. He called me months later after asking if I had the car, he knew that I didnt. I went to confront him and he was gone, the XXXX XXXX vanished I arrived to find out that a different LLC had taken ownership of that dealership. I now am stuck with the debt of XXXX being negatively affecting my credit profile. I have spoken to several representative at Credit Acceptance in relation to this matter. I also had the attorney general of Florida file a complaint on this dealers conduct. Also during the transaction of trading in the vehicle in the year between XX/XX/XXXX and XX/XX/XXXX I requested that the president of Credit Acceptence get involve in this unfortunate event of my car buying experience, the president of Credit Acceptence bank called the dealer several time to try to  get the dealer to cut the check in the amount of the trade in but the dealer at XXXX XXXX kept ignoring his phone calls, the president of credit acceptence did not make any notes on his attempts to reach the dealership on my account. I had paid the Car note prior to trading in the car owned by Credit Acceptance. I do not have any paper work to prove this complaint since XXXX XXXX vanished along with the dealer.
Product: Checking or savings account

I applied for a loan with Wells Fargo Bank for {$8000.00} after I received an email invitation from them. I was told My loan was not approved for the following reasons.

1 ) Too many inquiries in the last 12 months. ( This is not true, I only had 1 inquiry within the 12 month period ).

2 ) Low balances in your Wells Fargo checking and savings account. ( This is not true, I had a checking account, which I closed because of Wells Fargo discriminatory practices, and I have a visa credit card with Wells Fargo Bank. I did not have a savings account. Wells Fargo is was well aware that I did not keep money in my checking account at their bank for two reasons. The first reason is because I had recently discovered I was a victim of identity theft, which I was able to catch. The second reason is, Wells Fargo is aware that I have a high yielding savings account with XXXX XXXX and money is transferred every other week when they receive my paycheck, to my XXXX XXXX account. So for them to say, I have Low balances with my checking, or a saving account that I don't have, is beyond me! I have never been late on my credit card payments. I was told the credit score they used was from XXXX credit agency and the score was a XXXX ). 
3 ) Too much change in the average balances of my checking account. ( This doesn't even make since. A checking account is going to fluctuate depending on your banking needs, things change and don't stay the same ).

4 ) Credit accounts opened for too little time. They look for history that shows how you've managed accounts over time. ( This also doesn't make since. To say my credit history isn't long enough when I have had my XXXX Credit Card with Wells Fargo for over 5 years and another card over 11 years ). I definitely don't believe they used how I handle my credit, to make their decision to deny me. With me having a credit score of XXXX, which they used, owning a home and never being late on any of my credit obligations is really not making sense to me. I believe I was discriminated against, which Wells Fargo Has been sued numerous times for discriminatory lending practices which I believe the CFPB is well aware of. I was able to get the loan from XXXX with no issues, which further lets me know that Wells Fargo does not have fair practices with its lending. I don't have an account with XXXX, however they treated me with respect and looked at my credit history to give me the loan with a great interest rate. I pray, this matter will be looked into, and Wells Fargo will be held accountable for their actions. 

Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize these inquiries that is showing up on my credit report. These inquiries are fraudulent. 

XXXX : XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX )
Product: Mortgage

The two mortgage lenders from TD Bank I was dealing with XXXX and XXXX made me feel like I was fully approved and all they needed to do was see my balance sheet. 

They even provided me my pre-approval with my closing date. After receiving the balance sheet that supported the income on my federal taxes, which were numbers everyone has access too and are consistent across the board. 

Last minute they denied me, which was frustrating because I provided everything that was necessary to be approved and understood the debt to income ration requirements. 

I even asked if I could pay off my debt to put my self in better approval for the loan which helps my debt to income ration even more. 

None of that mattered once, they found out I was XXXX. 

I truly believe I was discriminated against because of my race. I tried not to say that I was XXXX American to them because I know how redlining historically has gone in the mortgage industry but I did add my profile in the middle of the transaction so I believe once they knew I was XXXX, they started giving me a harder time and denied my mortgage. 

This is unfair, if a creditor like me with good credit and XXXX XXXX in equity can not get a line of credit, then who can? Especially in my community?
Product: Money transfer, virtual currency, or money service

on XX/XX/XXXX i received form navy fed alerting me that some one had added or changed the contact info for XXXX XXXX IF I DID NOT MAKE THESE CHANGEDS TO CONTACT NAVY FED IMMEDIATELY WITCH I DID AT THAT TIME THEY FROZEN ACCOUNT.AFTER FURTHER RESEARCH WE WAS TOLD THAT FRAUD WAS COMING FROM MY WIFE SIDE OF THE ACCOUNT THAT MY SIDE OF THE ACCOUNT WAS CLEAR UN FROZE MY SIDE SOMR TIME IN THE MIDDLE OF THE NIGHT ON XX/XX/XXXX MY SIDE OF THE ACCOUNT WAS Hacked again navy fed allowed the same person useing the same name to change my XXXX contact and do a {$1500.00} XXXX transfer they have told me and my wife that they would put the money back but they not and will not tell why
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified XXXX EQUlFAX, andXXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3 : XXXX XXXX XXXX XXXX XXXX 4 : XXXX XXXX XXXX XXXX XXXX 5 : Dept of EducationXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And supplied documents supporting why accounts were inaccurate including Billing statements, Bank Statements and Copy of Credit Report and to their Fraud Dept I sent Letter from FTC that the following accounts were due to Identity Theft and I included Police Report # XXXX Affidavit and FTC report 1 : XXXX XXXX XXXX XXXX XXXX XXXX 2 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3 : XXXX XXXX XXXX 4 XXXX XXXX 
XXXX XXXX XXXXXXXX XX/XX/2022 XXXX sent by Certified Mail a letter requesting investigation of all accounts previously stated to investigate if every piece of information was 100 % correct if found to not be correct to remove from my Credit Report The credit Bureaus stated Accounts was properly investigated but how is that possible if date Last Verified is inaccurate, Date Reported is inaccurate, date Opened is inaccurate, Last Payment date is inaccurate, Account Type is inaccurate, Creditor Type is inaccurate, and Payment History is Inaccurate, and Payment Frequency is not accurate. This is grounds for removal. They also violated my rights under 15 U.S.C 1681 Section 604 ( A ) Section2 The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 
I haven't given these accounts written permission to furnish these accounts on my credit report as well 15 U.S..C 1681 Section 602 ( A ) States I have the right to privacy 15 U.S.C 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) ( A ) ( i ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, 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 ; 15 U.S. Code 1681b ( a ) In generalSubject 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. 
I never supplied written instructions to furnish Report to anyone
Product: Credit reporting or other personal consumer reports

Dear Equifax Fraud Dispute Team, I am writing to formally dispute the inclusion of the following accounts and inquiries on my credit report. As a victim of identity theft, these accounts and inquiries are fraudulent and do not belong to me. Pursuant to 15 U.S.C. 1681i ( 7 ) and the Fair Credit Reporting Act ( FCRA ), I request an immediate investigation and removal of these accounts from my credit report. I have included my police report as evidence of identity theft. 

Fraudulent Accounts : XXXXXXXX XXXX Account # : XXXX Balance : {$490.00} Date Opened : XX/XX/XXXX Under Section 623 of the FCRA , this collection account lacks valid documentation and a conspicuous address. Please remove it immediately. 

XXXX XXXX Account # : XXXX Credit Limit : {$500.00} Date Opened : XX/XX/XXXX Payments for XX/XX/XXXX to XX/XX/XXXX were made on time. Under 15 U.S.C. 1666B, this account reflects a billing error. Please update the status to Paid as Agreed/Never Late. 

XXXX Account # : XXXX Balance : {$1200.00} Date Opened : XX/XX/XXXX No documentation has been provided. This is a fraudulent account. Please investigate and remove it. 
Under the FCRA, you are required to investigate these disputes and respond with the results of your investigation within 30 days. If the items can not be verified, they must be removed from my credit report. 
Thank you for your immediate attention to this matter. Please confirm receipt of this dispute and provide written updates throughout the investigation process. 
Sincerely,
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  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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.