23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am writing to formally express my concerns regarding the recent appraisal of my property by XXXX XXXX ( XXXX XXXX XXXX ) on XX/XX/year> from XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, FL XXXX. After careful review of the comparable properties he submitted, I am compelled to question the valuation placed on my home. 

It appears that the appraiser selectively chose only three underpriced/outdated/smaller properties, which are not actually comparable to mine, as they are smaller in square footage and consist of only three bedrooms and two bathrooms, whereas my property is a larger 4 bedroom 3 bathroom newly remodeled home. His choice in substandard properties seems rather peculiar, especially when there are numerous other properties that align more closely with the characteristics and market value of my home. The addresses of the appropriate properties are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX  XXXX XXXX, XXXX, FL XXXX The decision to focus on the specific properties he did, raises questions about the objectivity of the appraisal process. By disregarding the more relevant comparable, it feels as though the appraisal has been intentionally skewed, resulting in a valuation that does not accurately reflect the true worth of my property. Based on the comparable properties I provided, my property should be assessed at a minimum of $ XXXX {$290.00} per square foot, whereas he has me at $ XXXX. Not only was the valuation itself an issue, but he also failed to meet the first two deadlines for providing his appraisal report. I then requested a new appraiser when he was in the wind, but was not granted a new appraiser. I am still awaiting his reply to my rebuttal. It has been two weeks since it has been submitted and he has missed XXXX deadlines for his rebuttal submissions since then. XXXX XXXX XXXX  is the lender and is encouraging me to file this complaint because they know this is wrong but " their hands are tied ''. 

XXXX XXXX and XXXX XXXX have raised serious concerns as to the honesty and efficacy of their appraisal program. 

I trust that you take these matters seriously and would appreciate your prompt attention to this issue. I look forward to your response and hope for a resolution that reflects the true value of my home. 

Sincerely, [ Your Name ] [ Your Contact Information ] [ Your Property Address ]
Product: Mortgage

After we got behind the XXXX of XXXX and our Mortgage jumped up to 20 %, we contacted them. We were sent a letter of cure in which we paid the amount immediately and kept paying our regular {$2000.00} mortgage monthly only to find out that they did not accept the cure and that they used 3 months worth of {$2000.00} payments to go towards one {$6000.00} mo payment. We did contact about a forbearance and their solution was an $ XXXX  month payments for 6 months. We cant afford that. We cant afford {$6000.00} on this house. We have contacted them about a forbearance or otherwise several times and every time it takes them 30 days to get back to us which is yet another monthly payment missed at {$6000.00}. Also, the terms monetarily get higher in amount each time. We can afford the original {$2000.00} a month and are happy to pay that. We only got behind for 1 month originally because of a natural disaster on said house that we had to pay out of pocket close to {$10000.00} as our insurance told us if we make a claim they would cancel our insurance. So, XXXX XXXX. or insurance is not being workable.
Product: Credit card

I am writing to formally express my dissatisfaction with Navy Federal Credit Unions handling of disputes I have submitted regarding transactions on my Visa credit card debit account. Despite providing detailed explanations and supporting documentation for these disputes, Navy Federal has consistently failed to conduct thorough investigations or resolve the matters appropriately. 

In each instance, {$2900.00} on XXXX with XXXX XXXX XXXX to XXXX XXXX and Credit card fraud claim submitted on XXXX/XXXX/2024 on my XXXX XXXX  XXXX in XXXX for the amount of {$670.00}. I disputed charges that I believe were incorrect, unauthorized, or in violation of applicable agreements. Unfortunately, Navy Federals failure to properly investigate these disputes has caused me to lose money that I should not have been held responsible for. The responses I received have been vague, dismissive, or outright failed to address the evidence I provided, leaving the disputes unresolved and the charges intact.

This lack of due diligence is unacceptable and contrary to the protection afforded to consumers under the Fair Credit Billing Act ( FCBA ). As a financial institution, Navy Federal is obligated to fairly and promptly investigate disputes, provide clear and transparent explanations of findings, and take corrective action when necessary. Failing to meet these obligations has caused unnecessary financial harm and undermines the trust I placed in your institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion Closed the disputes as valid and failed to remove the accounts that were fraudulent and they claimed they verified the accounts and provided me no such proof. This is by law a violation. I 'm attaching the documents that they have not responded to timely and are in violation of the law and I will be pursuing lawsuits unless they remove the accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I noticed my credit score had dropped significantly. I pulled up my Transunion credit report and noticed that an old item previously deleted in XX/XX/XXXX was put back on my credit report. I was never notified by Transunion and when I called they said the agency ( XXXX XXXX XXXX.a.k.a. XXXX  ) never certified it as true and accurate. Transunion never notified me it was put back on my report after 4 years. In XX/XX/XXXX report the deleted item was listed for {$190.00} and the original creditor listed as XXXX XXXX XXXX ( XXXX ) The XX/XX/XXXX collection agency was XXXX XXXX XXXX. ( XXXX  ). XXXX had said the amount as {$190.00}. That item was deleted from my credit report. 
Then In the XX/XX/XXXX Transunion reported a delinquent item was added to my report for {$190.00}, XXXX XXXX was listed as the original creditor with XXXX XXXX XXXX. ( XXXX ) the collection agency. I was told by XXXX  that the debt was actually for {$190.00} which is the same amount that I was told the debt was in XXXX and the original creditor was XXXX XXXX, the same as in XXXX. In XXXX the debt was in collection with XXXX XXXX XXXX. 
It is obvious that to sneak a deleted debt back on to a credit report, the creditor XXXX XXXX, tried to deceived by : 1 ) waiting 4 years, 2 ) falsifying the original creditor, 3 ) changing the amount of the debt and 4 ) changing collection agencies. All to avoid the certification and notice required by law. 
I have disputed this with Transunion. XXXX told me they sent the dispute to XXXX XXXX. But I was so appalled at the attempt at deception that I had to report this new tactic by a creditor to you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report there is a debt that reports every month from Discover in the amount of {$1400.00} I have tried to pay this debt, I thought I owed for the past four to five months. I contacted Discover Financial Services/ Discover Bank from XX/XX/XXXX to the last contact on XX/XX/XXXX. I am told that they wrote the debt off and a XXXX was issued. ( I am including a copy of the XXXX ). Discover states each time I call them they will not take my money to pay off the debt. But every month they report to all three credit bureaus that I owe them the debt. So how can they report that I owe them money but they wont take my money?????? Someone please help.
Product: Mortgage

The house shows a volunteer repo i never agreed or received anything that the home was being foreclosed. I had a buyer at the time went to look at the home and had locks on the doors. Wired the full pay off balance from my back account and still shows a repo on my credit report when it should be a paid account. I am attaching files of where the money was paid by me.
Product: Checking or savings account

I placed a complaint here last month ( XXXX-XXXX  } in which I described the situation with Suntrust Bank. I detected fraud on my check account in the fall of XXXX. I reported this to Suntrust who then followed their procedure of closing the account and immediately opening a new account. My funds were transferred by Suntrust to the new account ( ending in XXXX ) with the promise that any outstanding checks would be rerouted to this new account. I use the Suntrust Bill Payer service which requires me to place the check amount and the date of delivery in the blanks and then hit send. In XX/XX/XXXX and again in XX/XX/XXXX both payments were returned because they were applied to the old account which had no funds. The funds were transferred to the account ending in XXXX. I did not direct my checks to be paid from a closed account. The error was made by a Suntrust employee. Each of these checks drew a late fee for {$10.00} and a bounced check fee for {$30.00} for a total of {$80.00} from the biller, XXXX XXXX. They are the business office that collects home owner association dues. I should also inform you that while I was hospitalized in XXXX of XXXX my wife paid bills that she found on my desk, including the penalties placed by XXXX. After recuperating, I attempted to get a refund from XXXX  but they refused even though I could show the error was made by Suntrust. Suntrust does have a policy to reimburse for a loss like this. They are supposed to stand by their agreement with the Bill Payer customer. Suntrust contacted XXXX asking them to return the fines to me, but they refused. Suntrust reimbursed me for one of the checks, the one for XXXX. I attached the " final response '' from XXXX XXXX who is an assistant vice president of Suntrust. In the third paragraph she says the XXXX check was returned " unauthorized '' because the account was in a " no debt '' status and that there were no funds to cover the item. She also said that the account was closed in XXXX of XXXX which is inaccurate because I closed the account in the fall of XXXX. With the number of payments I send out I would have bounced a lot of checks that month if I tried to use the account that was empty. I was not aware of the procedure that Suntrust uses to pay our bills. Apparently smaller concerns like XXXX  are sent checks instead of electronic deposits. I never touch the checks that XXXX  receives. The errors were made by Suntrust.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Mortgage

1. I have a loan through Freedom Mortgage that is 3 years old. In XXXX I put XXXX on my loan balance which took the debt ratio below 63 %. When I originally secured my loan I was told that when my balance/ debt ration was below 78 % the PMI would automatically be dropped from my loan payments. I contacted Freedom mortgage and they told me I had to have an appraisal done through THEIR company. When I I received the appraisal estimate it was {$780.00}! I paid {$500.00} for my original appraisal when securing my loan three years ago!!! I asked if I could contact the original appraisal company and get the original one updated they denied my request. This has been dragging on since XXXX. It is extremely difficult to EVER TALK to a Person who make decisions if you are lucky enough to get a real person. In their phone system they initially identify me by my phone number linked to my loan number but am required to re-enter them both in XXXX more times before talking to someone!!! Then they open a ticket and send you a letter in 10 days. This has happened twice and two other times I was promised a call deadline to discuss the situation but never received al call!!! 
This has drug out for 4 months of additional {$99.00} PMI payments!! {$400.00}!!! 
I have NEVER been late for a payment and have a very HIGH credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information on my credit report that isn't mine. I want to dispute this false information.
Product: Checking or savings account

On XX/XX/year> I noticed my Venmo account was Frozen for unpaid amount. The amount was approximately - {$1.00}. I went on their chat line and had someone try and help me. After a few trys, I was sent to a collection area and nobody ever got back to me. Venmo Request # XXXX. Today, XX/XX/year>, I spoke with an agent in Collection and she said my account was frozen due to a XXXX. I filed XXXX XXXX in XXXX, 2024 and it was Dismissed in XXXX of 2024. This account had nothing to do with my Chapter 7 and being it was dismissed back in XXXX, the funds I had deposited in Venmo as of XX/XX/year>, should have been returned to the person that sent the funds or deposited into my bank. 
I was told the Venmo account is frozen and the funds are not available, account closed now due to Bankruptcy. This is the most ridiculous thing I have heard. I want my money back or returned to the person who sent the fund. 

Venmo said they can't do anything since the account is frozen. That is UNACCEPTABLE!!!!!!!!
Product: Checking or savings account

Chase Bank is now denying customers the right to login to their accounts unless they sign a Consent Agreement to receive statements and other documents electronically. Based on my understanding, this is a violation of Federal law. Customers have the right to instruct financial institutions as to what documents, if any, they would like to receive electronically. This consent should not be procured via extortion. Your prompt attention to this matter would be greatly appreciated.
Product: Credit reporting, credit repair services, 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 Name : XXXX # XXXX, Account Name : XXXX # XXXX, Account Name : XXXX XXXX # XXXX XXXX Account Name : XXXX XXXX # XXXX XXXX Account Name : XXXX # XXXX, Account Name : XXXX  # XXXX, Account Name : XXXX  # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than records of convictions of crime 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: Mortgage

Please be advised that I, XXXX, complainant in CFPB Case number : XXXX, one that your system indicates as not having been disputed by my person, have never received a written and/or verbal response as to the complaint from Ocwen. Further, as has been the case in other circumstances when I have written to them, I am not in receipt of an acknowledgement letter from Ocwen as to receipt the complaint with a timeline for a response submission. 

This is not surprising, as Ocwen, in unpredictable with respect to continuity and consistency in its operations, especially outsourced global operations. 

I request that your office request Ocwen send me a complete, unedited, response to my complaint XXXX, to my person at my home address so that I can review the same for validity and content integrity, thus allowing me to accept and/or refute. If necessary, I do not have an issue with filing another formal complaint on the same issue. Thank you in advance for your assistance. XXXX. 
Ocwen Loan Servicing , LLC said :
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below and delete these immediately : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX MD ) XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I received notification that an ACH deposit failed. The email stated " please deposit XXXX USD within 7 days to bring your Binance.US account into good standing. When you initiate an ACH deposit, we credit your account immediately and your bank is charged 3-7 business days later. To settle the disparity. '' On XX/XX/XXXX I deposited XXXX $ minus the fee had XXXX in my account. On XX/XX/XXXX I deposited another XXXX $ which took care of the charge back email I received on XX/XX/XXXX. On XX/XX/XXXX I contacted customer support and asked how long it would take to unlock my account. My support ticket is # XXXX. Which was filed with Binance us. Yesterday I received this email " We are terribly sorry for the delay in our response! 

Currently, we are working to resolve a high volume of inquiries, and we noticed you had not yet received a solution. 

If you still need assistance or have any questions, please let us know and well get back to you here ASAP! 

Thank you! 

Customer Support Binance.us '' While the whole time my money is sitting in a crypto currency that I've been trying to sell to prevent me from losing thousands of dollars ... ..if the market crashed tomorrow all my money would be gone, which makes this important to handle in a Timely manner. I've read other people who were locked out for months. Feels like they are holding my money hostage, while I have to sit back and do nothing
Product: Credit reporting or other personal consumer reports

Car auto loan called XXXX XXXX XXXX continue to report inaccurate reporting. found on my credit report also my wife credit report. which has effected the credit rating for over year scores. .this account was PAID OFF made on time.. Payments. Dated XX/XX/XXXX. I purchased XXXX XXXX. Paid XXXX blue book value shown much lower amount I had car accident .The insurance company listed car. As being TOTALED the insurance. Company. paid the car off. Due to me my wife not having car. in need of a car due to areas. We lived. Didn't have. XXXX no bus cabs. We seen. Thst. This car still was. drivable .but was already been paid off credit acceptance. advise my husband they will get back with to negotiate us. Offer price noticed. Another rep did contacted us prior asking about payment. Not knowing that car. Was in accident. Insurance was involved. My husband advised rep. That the car was in accident insurance. Was handling situations again this account was never late made in time. .then shortly we received. Another Call from Different Customer service rep. Whom provided us a. settlement offer .we EXCEPTED PAY OFF SETTLEMENT .... reason why it doesn't show any listed lates payment history. Anywhere on the. payment records anywhere Only problems founded on last FINAL DATE SETTLEMENT..
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : 1. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. I have been incorrectly billed. 
XXXX XXXX Account XXXX : XXXX Please update the status of this account to " paid on time. '' 10. I have been incorrectly billed. 
XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please update the status of this account to " paid on time. '' 11. Validate this account XXXX XXXXXXXX Account Number : XXXX Delete at once 12. The following personal information is incorrect Former : XXXX XXXX 13. The following personal information is incorrect Also Known As : XXXX XXXX 14. The following personal information is incorrect Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting Act, I hereby request an investigation into these items and their subsequent removal from my report. It is my understanding that you will verify these items with the relevant creditor. Please eliminate any information that the creditor is unable to validate. I am aware that, as stated in 15 U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within 30 days of receiving this letter. 

Kindly send an updated copy of my credit report to the aforementioned address. As per the act, no fee should be charged for this updated report. Additionally, I request that you notify anyone who has received my credit report in the past XXXX months of any corrections made. 

Thank you for your attention and assistance with this matter.
Product: Debt collection

Company trying to collect more money than I originally owe or borrowed. I only borrowed {$800.00} they are trying to collect {$1200.00}. I was not aware of all the additional fees and interested. I tried to resolve the matter several times but the companies failed to call me back. I called the 3rd party law office that has my account to do a settlement on the account they refused and said I have to pay {$1200.00}. The balance owed is more plus additional fees and interest that I can not afford. I have no problem paying what I owed I can barely afford all the additional fees and I was also told that a lawsuit was filed on XX/XX/2016.