23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We have recently received the BPO for XXXX XXXX XXXX, and the estimated price of {$750000.00} is concerning. Back on XX/XX/XXXX, the initial BPO estimated the house at {$820000.00}. The reason we requested a second BPO was due to the first broker 's failure to account for an additional XXXX square feet of permitted space. The relevant documents were shared with all parties, yet the initial BPO showed the Gross Living Area as XXXX square feet, rather than the correct XXXX square feet. Despite this oversight, the property was valued at {$820000.00} in XX/XX/XXXX. 

However, the updated BPO, dated XX/XX/XXXX, still reflects the incorrect square footage, with the report listing a Gross Living Area of XXXX square feet. I had communicated with multiple Freedom representatives to ensure this error would be rectified, yet it persists. Initial conversation and resubmittal of the documents showing the correct square footage was submitted to XXXX ( XXXX ID XXXX ID : XXXX ) where I was insured that the broker will receive the information and the issue from the first BPO won't happen again. Additionally the updated BPO values the property at {$750000.00}, representing a nearly {$75000.00} ( 9 % ) decrease. Based on my research, the XXXX XXXX market has shown a slight increase in XXXX, which makes this discrepancy even more concerning. XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX sold for {$750000.00} on XX/XX/XXXX, which translates to {$540.00} per square foot. XXXX XXXX XXXX is XXXX square feet smaller than XXXX XXXX XXXX in gross living area and XXXX square feet smaller in lot size. Additionally, XXXX XXXX XXXX has only XXXX bathroom, while XXXX XXXX XXXX has XXXX bathrooms. Given that the square footage was not accounted for, the estimated value of {$750000.00} is inaccurate. When you also factor in the larger lot size and the additional XXXX bathrooms at XXXX XXXX XXXX, the estimate needs to be adjusted to reflect a more realistic value. This issue extends to all the comparables selected in the BPO. Attached you will find the XXXX BPOs and if you need the permit information please reach out to me We strongly urge you to reconsider the valuation and use the corrected square footage and other relevant features to produce a more accurate estimate.
Product: Debt collection

Subject : Dispute of Inaccurate Information on My Credit Report To Whom It May Concern, I recently reviewed my consumer report and noticed several inaccuracies that need to be addressed. Specifically, there are closed accounts on my credit report that require further investigation and correction. According to the Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681e ( b ), consumer reporting agencies are responsible for providing maximum accuracy when reporting consumer information. However, my consumer report contains the following inaccuracies : Discover Bank ( Account Number : XXXX ) Date Opened : XX/XX/XXXX Status : Closed ( Paid, Closed ) Status Updated : XX/XX/XXXX Comments : Account closed at credit grantor 's request Contact Info : ( XXXX ) XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX XXXX XXXX ( Account Number : XXXX ) Date Opened : XX/XX/XXXX Status : Closed ( Paid, Closed ) Status Updated : XX/XX/XXXX Credit Limit : {$500.00} Highest Balance : {$560.00} Comments : Account closed at credit grantor 's request Contact Info : ( XXXX ) XXXX, XXXX XXXX XXXX, XXXX, DE XXXX XXXX XXXX XXXX XXXX ( Account Number XXXX XXXX XXXX Date Opened : XX/XX/XXXX Status : Closed ( Paid, Closed ) Status Updated : XX/XX/XXXX Credit Limit : {$3600.00} Highest Balance : {$3700.00} Comments : Account closed at credit grantor 's request Contact Info : ( XXXX ) XXXX, XXXX XXXX XXXX, XXXX, VA XXXX In addition to the inaccuracies in the account details, I have also noticed that several of my consumer rights have been violated. According to the FCRA, specifically 15 U.S. Code 1681a 2 ( A ) ( i ), consumer reports should not include information pertaining to any transactions or experiences between the consumer and the originator of the report. Therefore, any late payments that I am not responsible for should not be reported on my consumer report. 

I am aware of several other consumer rights that have been violated and am prepared to pursue civil liability damages that I have suffered as a result of these violations. Please investigate and provide proof with statements showing the accuracy of these reported accounts. If proof can not be provided, I request that the inaccuracies be corrected and DELETED so the accounts wont hinder my life. 

Thank you for your prompt attention to this dispute. Your cooperation in this matter is crucial to ensure the accuracy of my credit report and to safeguard my rights as a consumer under the FCRA. I appreciate your swift resolution to this issue. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my credit report. This situation is deeply affecting my peace of mind, especially during such a difficult time. Specifically, the following items are incorrect and are negatively impacting my credit score, making it harder for me to get back on my feet : Account Name : XXXX XXXX Account Number : XXXX Reason : It is deeply disheartening to see that this account is being inaccurately reported as a charged-off account with a balance due. This mistake is unjustly affecting my financial standing. Please provide clear evidence of the charge-off or correct this by updating the balance to {$XXXX} or remove the negative payment status associated with this account. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : Its disheartening to see missed and late payments being reported on this account. I never imagined my history would be clouded by such claims. Please provide all statements and records of every payment Ive made and missed since opening this account. I need clarity, and I hope this can be resolved fairly. 

Account Name : XXXX Account XXXX : XXXX Reason : Its troubling to see this account inaccurately showing XXXX late payments. According to my XXXX report, there is only XXXX late payment being reported. These inconsistencies weigh heavily on me, and I hope you can correct this error, so my record reflects the truth. Please help me resolve this. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : It is deeply disheartening to see that this account is being inaccurately reported as a charged-off account with a balance due. This mistake is unjustly affecting my financial standing. Please provide clear evidence of the charge-off or correct this by updating the balance to {$XXXX} or remove the negative payment status associated with this account. 

Account Name : XXXX Account XXXX : XXXX Reason : I dispute the missed and late payments reported on this account. These inaccuracies are deeply concerning, especially as I am going through a difficult time. Please provide statements and records of all payments made and missed since I opened the account. I do not agree with the results of your investigation and request proof of the negative payment status. If you can not provide this proof, I respectfully ask that you delete the negative information from this account. 

INQUIRIES : XXXX XXXXXXXX XXXX XXXX XXXX EXP XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XX/XX/XXXX Ive done everything I can, but these inaccuracies still cling to my credit report like a shadow. Ive reached out, Ive provided proof, but nothing changes. Please investigate thoroughly. I just want my report to reflect the truth so I can finally move forward. XXXX exhausted I just need a chance to breathe again.
Product: Checking or savings account

My XXXX XXXXXXXX XXXX direct deposit was deposited on XX/XX/year> for {$700.00}. My account was restricted right away and they said they were returning the money to the sender. Now almost five years later my account is still restricted and my money has been gaining interest its now {$750.00}. Ive tried to have them unrestrict my account or at least close it to no avail. Isnt there a legal time limit a bank can hold the funds like this for this long.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and am including it again. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXXXXXX, KS XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, KS XXXX ; XXXX XX/XX/2021 ; XXXX XX/XX/2021 XXXX
Product: Debt collection

I became reckless and started taking out credit cards and thinking I could pay them back and obviously I went over my head because I coulsnt pay anything back I backed up and became irresponsible and now Im drowning in debt and I dont know where to begin. Im sorry it gotten this far Im hoping we can come into an agreement
Product: Credit reporting

The credit reporting agency continues to report a balance on an account that is paid. They continue to verify this balance as accurate although it is not. They will not provide a method of verification.
Product: Debt collection

I am a XXXX veteran I was XXXX honorably XXXX of 2020. I notified the apartments rent office that I will be returning home the following month. I ask what can I do about the lease. The lady that in the rent office said since you are a XXXX member there are exceptions for you. She told me drop my key in the drop box and if we need your XXXX records for accuracy, we will call and requests them. I did what was ask of me and I drop the key in the drop and pack my things and went back home, for the pass 3 years i been having a collection for XXXX from this apartment. Ive tried disputing but it have not been removed. Can you please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is not performing in a manner that is fair and equitable toward me as a consumer. My dispute dates back to XXXX XXXX, 2022 and has been ignored and unresolved without the proper evidence being provided to me. It is now far beyond 60 days of investigation as evident by prior cfpb complaints and the date of the letter attached. XXXX is not providing relevant nor accurate reporting on my Consumer file. They have assumed a vital role and are only serving to do me harm and a great injustice by not deleting the accounts I have requested to be deleted. I am demanding that the accounts I have listed be blocked and deleted immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX-Inquiry : XXXX. XXXX, XXXX XXXXXXXX XXXX-Inquiry : XXXX. XXXX, XXXX XXXXXXXX XXXXInquiry : XXXX XXXX XXXX XXXX XXXXInquiry : XXXX XXXX XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXXInquiry : XXXX XXXX, XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX The aforementioned inquiries I do not recognize they are FRAUDULENT and they are hindering my ability to obtain credit
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to follow up on my previous communications regarding the correction of late open accounts. This marks the 14th formal attempt to address this matter.

As outlined in my previous correspondences, there is an error in the opening date of one of my accounts. Despite my repeated efforts to rectify this issue, the necessary corrections have not been made, and the late open accounts continue to inaccurately reflect my financial history. 

I urge you to prioritize this issue and expedite the process of correcting the late open accounts. Additionally, I request regular updates on the progress of the correction and confirmation once the necessary adjustments have been made. With this, I am asking for your assistance to correct these accounts in my credit file : US DEPARTMENT OF EDU XXXX Opened XXXX XXXX, XXXX Balance {$1600.00} ; US DEPARTMENT OF EDU XXXX Opened XXXX XXXX, XXXX Balance {$1600.00} ; XXXXXXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$320.00}.
Product: Mortgage

XXXX XXXX XXXX XXXX, as Trustee, as Successor-in-Interest to Bank of America National Association , as Trustee , as Successor by XXXX  to LaSalle Bank National Association , as Trustee et al committed mortgage fraud against me. They changed their name and came back, and the judge gave them my house. This constitutes mortgage fraud. Any attorneys who helped them do this, along with the judge who supported their actions, participated in enabling this fraud. See attached case links Full Caption XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As Trustee, As Successor-In-Interest To Bank Of America National Association , As Trustee , As Successor By XXXX  To Lasalle Bank National Association, As Trustee , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As Trustee , As Successor-In-Interest To Bank Of America National Association, As Trustee, As Successor By XXXX XXXX Lasalle Bank National Association, As Trustee, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from Court of Original XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Appealing From Date : XX/XX/XXXX Notice of Appeal Date XXXX XX/XX/XXXX XXXX XXXX Date XXXX XX/XX/XXXX Notice of Appeal Filed Date : XX/XX/XXXX Appellate Docket Number : XXXX E-Filed in Court of Original Instance : No XXXX - XXXX XXXX Supreme Court Short Caption : XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX et al Case Type XXXX XXXX XXXX XXXX Mortgage Foreclosure - XXXX XXXX XXXX : Disposed XXXX XXXX XXXX XXXX Participation Recorded Assigned Judge : XXXX XXXX XXXX Document List Case Detail Court Notices Full XXXXXXXX XXXX XXXX  XXXX XXXX, Trust XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fed XXXX XXXX XXXX XXXX XXXX XXXX XXXX Number/Court : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened a Truist business account on XX/XX/year> with the promotional code XXXX which stated a {$400.00} bonus would be posted once the specified requirements were met ( {$1500.00} in deposits in 30 days of opening account ). 


After opening the account and completing the requirements on XX/XX/year> within the specified time frame, the bonus didn't post. 

I called to inquire and the reasoning they gave was that when I opened the account with the promotional code, I " didn't accept the terms and conditions of the bonus ''. This is a lie as I accepted all terms and conditions that were presented to me when opening the account. They stated I had to accept the terms and couldn't just " enter the promo code '' when signing up for the account.
Product: Credit reporting or other personal consumer reports

The federal Education Department changed my loan servicer from XXXX XXXX XXXX XXXX XXXX XXXX because I was placed on the Public Service Loan Forgiveness program. When the COVID forbearance ended in the XXXX XXXX began reporting my loan information to the credit bureaus but then XXXX did too. For both companies it was exactly the same amount so it looked liked my student loans were double what they were at over {$500000.00}. As a result, my debt to income ratio was too high for a home equity loan I applied for in XXXX. At that point I was able to still access my XXXX account online and it showed that my balance was XXXX and the account was closed. After I was rejected for the home equity loan, I tried to long back into my account at XXXX to dispute it with them but they now said my account did not exist even though I was logging in with my Social Security number and my birthday. I tried to call them but the automated phone system said the same thing and would not reroute me to a live person because it could not find my account. Finally I found a general line for Edfinancial custome support, but the wait time was 411 minutes long. I opted for a call back and the system said it could be after XXXX before someone called me. They never called. I filed a complaint with XXXX on an email address I found on the XXXX XXXX page but the response said they were reporting a deliqincy on my account and referred me back to the credit bureaus for that information. The delinquency does not show up on the credit beaureus ' information for my XXXX account. I was also on income based and hardship deferrals throughout my time with them because my payments were impossible to pay while supporting my family of XXXX. All the credit bureaus and the XXXX XXXX people say I have to talk to XXXX to resolve the issue but I can't log into their online system or phone system because it says I do not exist in their system. The help they have given via email does not address the issue. I am at my wits end. XXXX owns my loans now and is my student loan servicer. 
I am paying my monthly bill with them and very close to forgiveness now. XXXX should not be reporting an open account for me or a balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an XXXX card that I was supposedly added to as an authorized user, but I do not recognize this account. Regardless, as an authorized user, I am not legally responsible for the account and I would like the account to be removed from my credit report. This account does not show up on my XXXX or XXXX credit reports either. I disputed the account with Experian but they have not removed the account from my report.
Product: Credit card or prepaid card

long story make it short start from XX/XX/2020 Bank of America in XXXX XXXX Iowa has taken my money,!!! Suddenly I checked my account to see if my money was in it yet the receipt said I owe like XXXX negative I freaked called them right away they say this is not there problem call iowa work force they the one that did it I have my unemployment money for all this time everytime my unemployment goes in it gone I file my unemployment for nothing I don't know what to do I need my money they tell me it's gon na get fixed and never did if talked to many people no one has yet fixes my account I'm homeless in the streets now this needs handled please!! Sincerely XXXX, XXXX
Product: Money transfer, virtual currency, or money service

I have a fully verified XXXX XXXX checking account with a Zelle profile, but I have not been able to receive any payments after over 48 hours of attempts. This person is in my contact list and Im in theirs, and we both have legitimate checking accounts. Weve both called customer service several times to speak with supervisors, and theyve also gone into the branch to verify, but no one can give a clear answer as to whats going on or any possibility of a solution. I was able to send a Zelle to this person today, but they immediately attempted to send something back to me and were getting the same error message. It asks us to wait 4 hours for review, then after the 4 hours it fails every single time. 

This needs to be rectified by XXXX XXXX/Zelle immediately . Theres no reason why my Zelle profile is just not functional with a fully verified account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is not updating accounts in a timely matter. XXXX   has deleted accounts from XXXX XXXX. Equifax refuses to delete them although they were notified. I have attached XXXX 's policy. 

I've also attached the pages of my XXXX  report that shows NO COLLECT ACCOUNTS REPORTED.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 
It is also my understanding that Under the FCRA 15 U.S.C. 5 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Checking or savings account

{$600.00} ATM withdrawal did not dispense funds to customer. Dime bank still debit funds from customer account XXXX routing # XXXX no credit back to account to date. Customer wants theft corrected/refunded with interest checking/ATM. Branch at XXXX XXXX And XXXX XXXX. In XXXX XXXX.
Product: Credit reporting or other personal consumer reports

The below inquiries are fraudulent inquiries. Please remove and or delete. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, Used XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian
Product: Credit card or prepaid card

My CAPITAL ONE ACCOUNT LAST 4 ARE XXXX and payment was due on XXXX XXXX. I made an electric payment thru XXXX on XX/XX/XXXX. I have used XXXX for over 15 months on this account. They ask to allow 4-5 days for credit to post. It took CAPITAL ONE 8 days to post the " ELECTRIC ACH '' credit. They charged me {$25.00} late fee. I have months upon months of payments with them and NONE OF THEM took 8 days to post. It is obvious they are stalling crediting to increase their profits lost by covid purchases. I called capital one and billpay and neither will accept the fault when I did my part as a customer.
Product: Debt collection

XXXX, from Pioneer Credit Recovery XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX, contacted my husband XXXX on his cell phone XXXX XXXX, 2016 telling him he was responsible for a debt that I, XXXX XXXX, allegedly owed because we are married. XXXX explained he owes no debt and is not responsible for any allegeded debt of mine ( XXXX ) and asked XXXX not to call him again and hung up. Ten minutes later XXXX called XXXX again and demanded payent for a debt I am alleged to owe. Today, XXXX XXXX, 2016 XXXX called and stated XXXX called her telling her falsely she called her because she was my ( XXXX ) landlord and I owed a debt. XXXX, we own our home and have never rented from her.