23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I attempted to refinance with LoanDepot.com to lower my interest rate on my existing mortgage. After the appraisal of my home, my LoanDepot.com contacts never called and I could not reach them. A Customer Care Representative for Loan Depot, XXXX XXXX XXXX called and I explained to him that my supposition was that I had not heard from anyone from Loan Depot at the conclusion of the appraisal because of the extremely low value placed on our home by the appraiser. The market value of our home was estimated at {$360000.00} by the appraiser chosen by Loan Depot. This was curious in that this is the same value that The County of XXXX ( NJ ) uses as their appraised value of our property when calculating our taxes. And, it is fairly well known that the appraised value used by the government is historically low. I have purchased XXXX homes in XXXX cities in my 35 years of home ownership, yet I have never, ever seen an appraiser simply lift the appraised value of a home from the tax records that are available to any citizen upon request. I consider an appraisal based on publicly available tax records to be suspect at best and dishonest at worst. I believe that for the price charged by appraisal companies and paid for by consumers, {$390.00}, deserves more than a stroll to the county tax board. 

Even more curious is the fact that XXXX year earlier ( 2015 ), for the purposes of obtaining a home mortgage, our home was appraised at {$480000.00}. In the same year ( 2015 ), our home was appraised for {$460000.00} on behalf of a different lender. Even more infuriating is when I pay my homeowner insurance premium, the cost is based on a replacement value for my home of {$620000.00}, as established by an independent engineering firm. 

Because of the inexplicable results of Loan Depot 's appraisal, which is contrary to all logic and factual analysis, I disputed the charge of {$390.00} for the appraisal which was placed on my XXXX credit card. Although XXXX XXXX states that " Federal policy does n't allow us to influence the market '', it was Loan Depot that fought my dispute that I filed with XXXX. The appraisal company was nowhere to be found. Because Loan Depot fought for my {$390.00} dispute, I would suggest that this represents a conflict of interest. In my opinion, a mortgage company should not be arguing and defending the appraisal company. I fail to see where Loan Depot has standing regarding this charge. It is money owed to the appraisal company, not Loan Depot. After reading the Dodd-Frank Act and the Congressional Intent of this legislation, either Loan Depot " fighting '' for money owed to an appraisal company is a direct conflict of interest or at a minimum, it is an appearance of a conflict of interest. Shame on Loan Depot to hide behind " Federal policy '' when it is advantageous for them to do so and to ignore " Federal policy '' where there is a possibility of forfeiting not their money but the money charged by an appraisal company, an appraisal company that Loan Depot claims not to have a relationship. ( XXXX credit card documents included in the uploaded attachment ).
Product: Debt collection

Im filing complaint against LVNV FUNDING for the refusal of allowing me access to online website to review or view my debt accounts in regarding to XXXX XXXX 

They expect me to call them every time I need to make payment which I shouldnt have to. If they can display OTHER ACCOUNT THAT IS NO LONGER EXIST BUT wanting to NOT display 2 other active accounts on the account for me to make payment convienetly then I see no point of them even keeping the account for collection. It just the level of stupidity is beyond me. 

They said they cant make my account available to view online is absurd
Product: Bank account or service

I received a letter from US Bank saying they would close the account on XX/XX/2017 and would send me the amount in the account NOT A PORTION VIA CERTIFIED MAIL. On XX/XX/2017 US Bank withdraw ONLY A PORTION OF MONEY, " leaving some there. '' I have a print out ATTACHED. ON XX/XX/2017 I went in the XXXX XXXX XXXX branch where the banker called several people who said they ALREADY SENT me MY MONEY via certified mail. XX/XX/2017 I go in XXXX branch and XXXX XXXX tells me that the XXXX branch who sent me the letter INSTEAD OF SENDING IT TO ME AS PREVIOUSLY TOLD, US BANK REDEPOSITED THE MONEY TO THEMSELVES ALSO THERE ARE " DEBIT HOLDS AND CREDIT HOLDS '' CAUSING ME UNABLE TO USE THE ACCOUNT. THE BANK IS STEALING MY MONEY " REDEPOSITING IT WHEN I WAS TOLD BY XXXX BRANCH IT WAS ALREADY SENT BY CERTIFIED MAIL TO ME. ''
Product: Checking or savings account

I opened an account with Citi at the beginning of XXXX. After making my initial transfer from my external savings account, those funds were withheld for about XXXX business days. Once I had access to my funds, my debit card would continuously get declined without reason and despite having the available funds every time. I would get declined for transactions like water, coffee, to larger things like paying my personal trainer or paying my phone bill. I called continuously for XXXX weeks to get clarity on why my card was getting declined despite having the available funds- and each time was told that a XXXX hour lock would need to be put on my card. Needless to say, this was never resolved - my card kept getting declined for no reason. The last time I called was XXXX, XX/XX/XXXX. I was told my complaint would be escalated and that it would be resolved in XXXX hours. The next morning, XXXX  XX/XX/XXXX, my direct deposit was deposited into my account. That morning, I paid a few bills and around XXXX PM in the afternoon noticed that I was locked out of my mobile app & the website. I tried to purchase a coffee and the card declined, I tried to go the ATM to withdraw some cash and it also declined. I called customer service again and was told that Citi decided they could no longer service my account and it was being closed. I was told I couldnt receive any further information and was denied access to the funds that are in my account. I was told the account would be closed in XXXX days and if they can the funds left in my account will then be returned. No one has answered my question and I am not aware of any bank policy that I have violated. I contacted the Citi Executive Response Unit to open a case and was told id need to wait 15 days. My case number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. I'm looking forward that the following items will be repaired or removed ASAP. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

This issue appears to be a privacy violation and may be related to identity theft. I received the following email from Chase Bank : Dear Customer, Our records indicate that you may have recently changed your mobile service provider or mobile phone number. As a result, Chase services that use this mobile number ( such as text banking, text alerts, Chase XXXX etc. ) may have been disabled. 

To continue using these services, please sign in to www.Chase.com to reenroll your mobile number or provide your new number. 

Thank you for being a valued Chase customer. 

I would like to know WHY Chase Bank has infomation about my phone service, for what permissible purpose did they obtain information about my phone service, and from what source Chase Bank obtained information about my phone service.
Product: Credit reporting, credit repair services, or other personal consumer reports

Potentially Negativeshow tooltip button XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXX XXXXUnder Dispute XXXX XXXXXXXX XXXX XXXXDispute XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX all ftc violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed an account with XXXX XXXX XXXX in XXXX for their XXXX XXXX XXXX credit card and settled with XXXX XXXX XXXX in XXXX over two payments. I was also promised a deletion upon the agreed " paid in full '' status. I have a letter stating it is paid in full as well as a letter about the agreed settlement and receipts for my payments I uploaded to Experian who refuses to correct it despite my numerous dispute with the last update being yesterday. I have also contacted XXXX by phone today and they are stating they reported it paid and settled but it does not reflect on my credit report and it has not been deleted. I feel I have been done an disservice and this is a violation of FRCA. This dispute has been brought to XXXX, Experian, and XXXX  as well as supporting documents with no appropriate action
Product: Mortgage

I've been trying to contact and resolve the payment issue with PHH since XXXX. I acquired this home from a trust sale and I am the owner. I have been unable to obtain information or the assistance. I submitted a settlement offer along with all required docs and the company has consistently stated they haven't receive the information that was submitted via email that they've confirmed they received. in order to process the settlement they needed proof of funds for which I provided as well as contact information - since XXXX I've been going back and forth with the company because the claim they don't have the documents. The account has a relationship manager who refuses to call me back, iv submitted payments ad the company has returned the funds - I need help in reaching someone in the company who can actually assist me with making payment and approving a settlement. The company has been unresponsive and concerned with assisting through this ordeal. I was advised by the supervisor to not pay until I received a call or response about the settlement but that never happened and whine inquired I was told they closed the settlement because they never received the proof of funds which I sent 7 times. They even acknowledged reciting the documents on XX/XX/23 and advised that they were under review.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit reports and all three have multiple inaccuracies, they are reported that my Fed loans are XXXX and 160 days late but there are no XXXX or 60 days payments reported. I believe these are violations of the FCRA. and have requested in writing multiple times that there inaccuracies be corrected or removed with no action being taken. I am requesting these late payments be removed from all three of my credit reports and new reports with undated information be sent to me.
Product: Credit reporting

In XX/XX/XXXX, XXXX XXXX and XXXX XXXX did a construction job for XXXX XXXX XXXX. Because, they did not pay there unemployment taxes and XXXX XXXX owner of XXXX XXXX was my husband at that time and signed a contract with XXXX XXXX the unemployment taxes was in his company name. Because Texas is a community property state and both of us had closed accounts they reopen my account and put the unemployed taxes on my account and put a freeze on my bank account and it was sent to the Credit Bureaus. I have manage to get it taken off XXXX and XXXX. But, I ca n't get it off XXXX. I faxed them the same documentation almost XXXX months ago, they sent me out another report but not the dispute for the for the taxes. I called and the representative found the faxed documentation but they had not investigated it. I asked her if she wanted me to upload more documentation and she said no. I told her that I had received documentation from IRS, because I did the Injury spouse form and she told me that they did not need anymore documentation. The reason why XXXX put the unpaid taxes on my account is because when they sent the results of the hearing they put on the top of the letter XXXX XXXX XXXX XXXX d/b/a XXXX XXXX, but XXXX started XXXX in XXXX, we was not married at that time. His assume name is in XXXX XXXX d/b/a as XXXX XXXX, XXXX XXXX took full responsibility for the taxes not XXXX XXXX. Why would I call for a hearing knowing that this was a XXXX XXXX. We was not married when he start his business, we were married in XX/XX/XXXX. But it was put on my credit file as a Individual not Joint. If you look at the account number, they are totally different and if they really investigate they would know that, XXXX XXXX Assume name was acquired in XX/XX/XXXX or XX/XX/XXXX. My assume name was acquired in XX/XX/XXXX I am going back to college but because of this I ca n't get a private student loan. If Texas was following there own rules and the Federal government XXXX XXXX is not responsible, he only paid the employees wages, he did not paid for the material or equipment, and the other company told them where and what time to be at work. By the Sub-Contractors laws State and Federal, XXXX XXXX is responsible for the wages. and this was a Federal Contracting Job. But, one of the representative from the XXXX told XXXX XXXX of XXXX XXXX how to avoid paying the social and medicare taxes. The third party ( XXXX XXXX ) did not even call in. I have all of my documentations, plus XXXX has them. You can contact me at XXXX, email address : XXXXXXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 :
Product: Checking or savings account

In XXXX I open my checking account and in XXXX Wellsfargo accuse me of putting a fraudulent check into my account and in XXXX they sent me a measly {$500.00} that was not enough for the mint to anguish and the embarrassment and they just hit me just really upset at that time I was XXXX XXXX XXXX. I am XXXX now I would like to get at least $ XXXX {$7500.00} from that what I went through because they reopen my account back in XXXX and sent me that the measly {$500.00} I think and I know I should get more than that
Product: Mortgage

I have been repeatedly trying to get my autopay setup for my online account. I have contacted the company by phone and by chat message and continue to be led in circles. They first claimed there was an error with my account, then that they needed additional documents. However when I try to send the requested documents that they have previously already been provided at closing, their messaging system provides an " unknown error and to try again later ''. This continues and will not let me send the documents in. 

I have attached the closing document package to this complaint, containing the " required '' XXXX that they say they don't yet have - though was signed at closing - in order for me to access my full online account and get my autopay set up. The XXXX can be found on pages XXXX and XXXX of the PDF.
Product: Debt collection

In XXXX of XXXX I purchased a car from Hyunadi Capital America for  the amount of {$23000.00}. I made payments of {$430.00} every month for four years. Sometimes I was late or didn't give the full amount but I always got caught up. Sometimes I gave them the payment early or an extra payment. 

In XXXX of XXXX my car payment money was taken out of my account by a family member who had my pin number. So when Hyuandi went to take it out it was rejected for non payment. I got some of the money back and gave them what I had. I made arrangements to make more payments to get caught up, like I have done in the past. The young lady said she couldn't promise anything. The next day at XXXX in the morning they came to take my car. I cried for days, I never ever had a car repossessed. I paid off many new car loans and I had every intention of paying this off. I had one year to go and it would have been paid off. ONE YEAR!! 

I didn't have the money to get it from them in the two weeks they said, so I had to let it go. The next few days I was watching TV and there were ads for a Hyuandi Program selling used cars that were under 50,000 miles in great condition. I realized this is why they were so eager to take my car as it had only XXXX miles on it and it was like brand new. I was in the middle of getting the brakes done and detailed. They just took my car because they wanted it for their program. They didn't care about what they did to me, so why should I care about the bogus amount they want from me. They took my car and lied to me. 

Then I got the paper work from Hyuandi explaining that they sold my car for only {$5000.00} dollars and that I owed them {$4100.00}. The remainder of the loan was {$9000.00} and some dollars. I asked for a bill of sale to prove to me that is how much they got for my car that was like brand new and had under 45,000 miles on it. They sent me this bill with all these fees attached, I know that they got more than {$5000.00} for my car, it was like brand new. 

I am disputing this on my credit report because it says it is closed. I refuse to pay {$4100.00} on a car that they sold and got way more for it than they told me, they had to. Why would Hyuandi tell me exactly what they got, all these corporations want to do is rob the little people like me. I had one year to go, I paid on it monthly all the time, but sometimes it was difficult. I am asking Experian to take it off my credit report. I can not give them this reason on their website so I thought maybe you can help me get it off my credit report. 

I will try to get up enough nerve to call Hyuandi and tell them to remove it. But I fear that they will just lie to me again and tell me I need to pay this. They repossessed my car because of the program they were having, USED CARS UNDER 50,000 MILES!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$370.00}, {$11000.00}, {$9900.00}, {$14000.00}, {$4600.00}, {$31000.00}, {$3900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$370.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9900.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4600.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$31000.00} -This is not my account. 

7. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account.
Product: Debt collection

Unaware that there may have been any debt obligation until garnishment notification was sent to employer. 
All correspondence regarding requests for documentation are being attached for review
Product: Mortgage

XX/XX/year>, Once again I am unable to access my account. 

I changed my email and having problems with XXXX email accessing my account. 

I am trying to change my email in my mortgage account so I can access my account and I am unable to. I want to change my email because XXXX is showing incorrect information when I am trying to recover my account. XXXX is also asking for CC information which I refuse to supply. 

This is not the first time I have been unable to access my account and have had to go to the BBB to rectify the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested information that was being reported to my credit report on XX/XX/XXXX. XX/XX/XXXX I sent out another letter requesting an update. It is XX/XX/XXXX and i have yet to receive an response on requested information.
Product: Debt collection

XXXX XXXX XXXX XXXX continues to allege I owe a debt I do not. Under the Fair Debt Collection Practice Act XXXX XXXX XXXX should have sent me a notice of my right to dispute this debt before the information was sold to credit bureau to be placed on my consumer report. I have received no such notice and I dispute this debt as belonging to me and have no contractual obligation to XXXX XXXX and refuse to pay this debt.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute several accounts listed on my credit report that do not belong to me. In accordance with the Fair Credit Reporting Act ( FCRA ), I believe that my rights have been violated, and I seek your assistance in resolving this matter. Below are the details of the disputed accounts : XX/XX/XXXXXXXX XXXX XXXX ) These accounts are not mine, and I am concerned about the impact this misinformation may have on my credit standing. Violation of My Rights : Right to Privacy : According to 15 U.S.C. 1681 section 602 ( a ), I am entitled to the privacy of my credit information. The inclusion of these accounts on my credit report, which do not belong to me, constitutes a violation of my right to privacy. Failure to Obtain Written Instructions : As per 15 U.S.C. 1681b, Section 604 ( a ) ( 2 ), a consumer reporting agency can not furnish an account without my written instructions. The reporting of these accounts, without my consent or knowledge, violates this provision of the FCRA. I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure compliance with the FCRA by the involved consumer reporting agencies. I also request that these incorrect accounts be removed from my credit report promptly. Enclosed with this letter, you will find copies of my credit reports from XXXX and Experian highlighting the disputed accounts, along with any other relevant documentation. I appreciate your prompt attention to this matter and look forward to a resolution. Please feel free to contact me at the above-listed contact information if further information or clarification is required. Thank you for your assistance in safeguarding consumer rights under the FCRA. Sincerely,