23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/2021 -- -I am in the process of refinancing my home with ALLY Home Loans. ALLY told me I was getting a credits of {$1700.00}. During the process they said that my appraisal had come in lower then expected and then took away the credits. Their appraisal appears to be intentionally low as it appraised lower then houses on my street that are lower quality construction. I complained to the company and they said I could order a new appraisal but there is a 5 % success rate. They then told me to buy down my rate and pay more to them.
Product: Credit card

Please refer to the attached documents. I request the bureau to initiate an investigation into these accounts, as I am never late, but they are being reported as such.
Product: Credit reporting or other personal consumer reports

This is essentially a case of false advertisement and terribly rude customer service. I signed up for Nav 's " Nav Prime '' membership and its XXXX XXXX {$10.00} service today, XX/XX/XXXX Three ( 3 ) of the most important features I paid for are unavailable. 

1. ) The XXXX XXXX service I paid extra for is completely unavailable to me. When I attempted to use the XXXX link to access my business ' score, it provides an error message stating, " Something went wrong. It looks like the page you're looking for doesn't exist. '' Error screenshot attached. 

2. ) When I attempt to apply for the Nav Business Checking, it provides an error message stating that it " ... .is n't currently live in your state ... '' Error screenshot attached. 

3. ) When I attempt to apply for the New Prime card, which was advertised ( please see attached advertisements ) as being " exclusive to Nav Prime members, '' it also provides a similar error message. 

I attempted to chat in and reached representative XXXX. The rep provided no apologies or empathy. At best, she offered absolutely minimal technical support assistance, and, instead, mainly tried to express the *other* benefits of Nav Prime membership. When I finally asked for a full refund, she said, " In order for Nav to process a refund you will need to call in ... '' Screenshot of the chat attached.

So, I called in as instructed, & after waiting on hold, received another unhelpful representative, XXXX. After explaining why I wanted a full refund ( false advertisement & inability to access features I paid for ), she tried saying I wasn't eligible for a refund. 

After demanding to speak to a supervisor, she allegedly put in a ticket for a supervisor to call me back in 2 business days. She refused to transfer to me to a lead or supervisor. 

This is absolutely ridiculous. I signed up, started experiencing issues accessing paid for services, and immediately tried to reach out. I have gone ahead and cancelled any renewal. However, I want a full refund.
Product: Debt collection

I.C.System, INC Original creditor : XXXX XXXX Account type : collection Department/Agency/Attorney Collection open : XXXX XXXX {$260.00} Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, CT XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much XXXX which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX ACCOUNT 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 SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, CT XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. The following account contains discrepancies that require correction or removal : Creditor Name : Kohls/CapOne ( KOHLS/CAPONE / KOHLS/CAP1 ) Disputed Items : 1. Date Opened Discrepancy XXXX lists the account as opened on XX/XX/XXXX, while XXXX and XXXX list XX/XX/XXXX. 
2. Credit Limit Inconsistency XXXX and XXXX show a {$300.00} credit limit, while XXXX shows {$0.00}.

3. Account Status Discrepancy XXXX and XXXX report 60 Days Delinquent, while XXXX shows 30 Days Delinquent. 
4. Last Reported Date Variance XXXX and XXXX report XX/XX/XXXX, while XXXX lists XX/XX/XXXX. 
5. Creditor Name Inconsistency XXXX and XXXX list KOHLS/CAPONE, but XXXX shows KOHLS/CAP1.
Product: Credit card or prepaid card

Someone succesfully opened an account at XXXXXXXX XXXX using my information - I have a credit reporting service MyIDcare who alerted me to the new inquiry. XXXX XXXX was helpful when I called and promptly closed the account, however, I feel credit cards are too easily obtained with minimal validation/verification of the requesting party. There should be stricter measures in place ( Biometric ID Authentication )
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX Account # 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 an account without my written instructions.

15 U.S.C. 1681 C ( a ) ( 5 ). Section states no consumer reporting agency may take 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 or other personal consumer reports

On XX/XX/, a XXXX XXXX card was opened for the amount of {$850.00}. 

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I didn't not apply for this line of credit, and believe you have to be an active member of the military to open this. 

I was notified by XXXX XXXX and XXXX to verify this account and that is how I found out.
Product: Debt collection

While reviewing my credit report on XXXX, Report # XXXX I noticed a collections account with CREDENCE RESOURCE MANAGEMENT ; A debt owed to XXXX XXXX XXXX  is currently being reported on my credit file. Upon reviewing I am not familiar with this account and have never had an XXXX XXXX XXXX XXXX before. I believe this is yet another account that was fraudulently opened in my name ( XXXX XXXX ) and I am requesting a thorough investigation of this account to ensure that I ( XXXX XXXX ) is the rightful owner of this debt. If my personal information is a MATCH to the reporting collection agency and/or XXXX XXXX XXXX XXXX I ask that they send proof of methods used to open account, such as signed contract and payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax are reporting medical debt that is less than {$500.00} and I have requested that this be removed. The companies have not removed the debt. 

The debt listed is {$320.00XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern, As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a Data Breach/ Identity Theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, i demand that any wrong, incomplete, or unsupported material be update as agreed on this payment history. Else, DELETE this account immediately! 

XXXX XXXX XXXX XXXX XXXXXXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, i demand that any wrong, incomplete, or unsupported material be update as agreed on this payment history. Else, DELETE this account immediately! 

XXXX XXXX XXXX XXXXXXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, i demand that any wrong, incomplete, or unsupported material be update as agreed on this payment history. Else, DELETE this account immediately!
Product: Credit card

Pottery Barn | Capitol One credit card has a due date for payments but will charge a late fee after XXXX EST on that date. The company only acknowledges when the payment posts from processing several days later yet the online account will immediately reflect the payment. Your actual payment date is not acknowledged unless you specifically ask the representative. This practice is structured to incur late fees from customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX / XXXX  /17 I applied for the credit card with USAA afte r answering several verifying questions. Upon calling to check the status of the credit card application, I was told USAA was unable to view my report due to a security freeze I had on my report.     I called the CRA and verified with them and they stated  USAA  was able to view my credit report because they see a hard inquiry from them on the report.     I have stayed on the phone for hours and spoke to countless individuals to tell them that there is a hard inquiry on my report. I had to pay to retrieve my credit report to provide proof of the inquiry and now  USAA  is refusing to remove the inquiry.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX, XXXX, and Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FRCA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CRPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( FILE NO. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with XXXX XXXX on XX/XX/2022. They informed me that the dispute should be resolved by XX/XX/2022. However, its now XX/XX/2022, and the dispute is still processing. Its now gone over the 30 days allowed and I would like this removed from my credit report. I tried contacting XXXX XXXX  but Ive gotten no answer or call back. The agency I disputed is called Credit Collection Services in XXXX, MA. Please help as I dont know what else to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX I spoke to XXXX on the phone regarding products available. While I was on phone they illegally ran my credit without asking permission or even asking for my personal information. Now there is a hard inquiry on my account. The company agreed they did it illegally however it would take them 120 days to have it removed by Equifax. I contacted equifax and they refused to remove or even help me have it removed. Equifax told me XXXX was the only one that could remove it. I am trying to buy a house and get a mortgage in the next 40 days and I want this removed IMMEDIATELY!!!!
Product: Mortgage

I started a refinancing process on XX/XX/2019 with Freedom Mortgage. This company is also my mortgage. I have been on time with payments for more than a year. I was told by XXXX XXXX that it was going to be smooth process since I have my mortgage with them. In this process I was told by XXXX not to worry to pay the house for the month of XX/XX/XXXX and XX/XX/2019. Which it was convenient to invest for some things on the house. On the closing appointment the representative did not show up and I called them and they said that I need to make XX/XX/XXXX payment and I explain to them regarding the email that I was told not to pay XX/XX/XXXX and plus I have invested the money already and that issue will cause to make my payment late, so they gave me to XX/XX/XXXX to complete XX/XX/XXXXpayment and any fees so I try many attemps to communicate with XXXX or any other person to help me understand all the confusion that they are putting me through why so many changes and why was not even told anything about any changes.Even though I did made my XX/XX/XXXX payment on XX/XX/XXXX and I send emails to let them know that I was ready to schedule the closing appointment again. So I was early 1 week prior to the deadline and when I call Freedom tells me that my refinancing is close and they could not do anything about it I explain to the person that I have a letter that states deadline is XX/XX/XXXX and why do they close it way before the deadline .Daniel refuse to take any of my calls and responding to my emails and I try to speak to a supervisor as well very unprofessional never return my email or a phone call. I need it to get my payment lower ..so I can afford my childrens house and all since XX/XX/XXXX I was lied and nothing was done I did everything I was ask to do so I am very confused and upset to why Freedom mortgage did this to me. I have been a good costumer all this time and now I am very disappointed with this refinancing process. This process got me to get behind in my mortgage for XX/XX/XXXX and XX/XX/XXXX because I have put my trust in them. I do feel ignored and discriminated and very disappointing with their honesty. Freedom Mortgage did not follow the Department of Housing refinancing guidelines.
Product: Money transfer, virtual currency, or money service

I have tried to make wire transfers between my own accounts, a US-based Chase account ( the source of funds ) to my XXXX XXXX account in XXXX. I need to wire funds across as I have recently moved to XXXX from the US, and I need to pay for accommodation. 

I have tried multiple times to wire the funds and Chase keep blocking the transfer. One successful transfer was made of {$100.00} USD to confirm all details were correct. Subsequent transactions keep being blocked. This is also happening to my spouse 's account ( exact same scenario ).
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. TransUnion 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 XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Mortgage

On XX/XX/2019 I wrote a letter to our Mortgage Bank as we've been making late payments on our mortgage. We haven't missed a payment but being continuously late is not good. 
Last year we went into Bankruptcy, Chapter XXXX, because we had money stolen from our checking account due to a breach on XXXX. We only lost {$8000.00} but that was all the savings we had in order to pay our Mortgage payments on time. 
As time went on my husband was diagnosed with XXXX XXXX XXXX. The amounts we had to pay for tests and new medications really took a toll on our finances. 
My husband is XXXX and I am XXXX. We have tried looking for jobs but no one wants to hire us when they find out how old we are. 

We have reached out to our Mortgage Bank, Flagstar Bank only to be given the run around and told they are working on a solution without ever writing or communicating with us. I constantly call to find out the status of our request and be told we are missing documents. I have sent documents 3 times. I just called again on XX/XX/2019 and was told that I need to re-apply as the documents are not legible. Really? Why wasn't I told this before. I told them that I never receive any kind of mail from them and have to constantly call in order to see if anything is being done. 

My husband and I are so stressed and desperate to come up with a solution. We have asked for a forbearance plan of 2 months in order to catch up and make the monthly payments on time with no late fees in the future. 

If we have no choice we will eventually have to sell our home. We have accumulated about {$50000.00} or more in equity, so a forbearance plan would be ideal. 

We have been working with Flagstar 's Loss Mitigation Dept. and now have to re-submit all the paperwork, which is huge. 

Can you help us? 
Thank you in advance
Product: Credit reporting or other personal consumer reports

XXXX XXXX This is considered a RE : Investigation and not a duplicate complaint for the same issues. I have included updated information ; and also advised of failures that are still affecting current consumer report. 
Please delete accountXXXX XXXX XXXX Experian Account # XXXXXXXX XXXX XXXX XXXX XXXXXXXX for violations of FCRA Section 623 for Failure to enter Notice Of Dispute by XX/XX/XXXX You received my complaint on XX/XX/XXXXXXXX XXXX XXXX  is violating specific laws continuously 15 USC 1681 ( E ) ( B ) Accuracy of Report According to XXXX XXXX XXXX XXXX XXXX, Experian, and XXXX are supposed to ensure MAXIMUM POSSIBLE ACCURACY. These accounts violate these laws 15 USC 1681 ( i ) ; 15 USC 1681S ( 2 ) ; 15 USC 1681 ( i ) 5 ; 15 USC 1681 ( E ) ( B )
Product: Debt collection

I applied for an apartment back in XX/XX/2019 which was a {$190.00} application fee. The leasing agent I worked with told I would receive this back if I did not peruse to live there. I never received my lease from him because he left the company and no one reached out to me regarding moving in. Therefore in XXXX I made a dispute with my credit card company. Then the apartment company immediately sent me to a collections company without ever seeing a response from them. I never received any paperwork stating they were trying to collect a debt from me and what it was for. I repeatedly asked for them to send me something and all they would tell me I was I had 30 days to pay it and it will still go on my credit. The credit collector refuses to have a normal conversation with me. Called and emailed repeatedly that I was charged this on my credit card account. They didn't care to listen to anything I had to say. I was also told it wouldn't be reported on my credit but 30 days later it showed up after I had no choice but to pay it. 

Date Reported XX/XX/2019 Date Assigned XX/XX/2019 XXXX XXXX   XXXX/XXXX  Client Name XXXX XXXX XXXX   Original Amount : {$190.00}
Product: Debt collection

got a letter in mail about a debt XXXX to afni inc i do not owe this company any money they are just buying debts on line and selling back and forth im gon na sue you afni dont play with me