23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I applied and received a conditional approval to refinance my home on XXXX/XXXX/2016. My rate was 2.75 % on a 5/1 ARM with a 30 year mortgage. The balance on my mortgage at the time of application was {$400000.00}. ( not a jumbo loan ). I gave the estimated loan to value of {$550000.00}. I paid a {$500.00}. deposit to insure my rate until XXXX/XXXX/2016. I uploaded all documents requested and e-signatures upon immediate request. My appraisal took place on XXXX XXXX, 2016. The results of which were XXXX pages and valued my home at {$670000.00}. Everything seemed to be in order. I was told on XXXX/XXXX/2016 my payoff amount was being ordered from my bank and the closing would be scheduled easily in time for XXXX/XXXX/2016. More than a week later I still had not heard anything and contacted Quicken Loans again only to be routed to another handler, a solutions consultant who told me I had to have another appraisal because of my outbuilding, as there were no comparables. This made no sense as there are plenty of properties in my area with outbuildings of various types. I spoke questioned the need as the appraisal was more than what I valued the home at and clearly poses no risk. I was told it must be done. I waited to be contacted for a week by another appraiser and never was. Meanwhile, the looming deadline was drawing near. I was told since I had everything in order and Quicken wanted the second appraisal, they would pay for it and a 15-day extension. I voiced my concerns about getting it done on time and was told not to worry about something that had n't even happened yet. So the deadline passed and I still had not heard from an appraiser. Finally the solutions consultant calls and tells me they can not honor the 5/1 ARM at all because of the outbuilding and I will have to do a 30 year fixed at 3.5 % and still do another appraisal. I was concerned they were trying to wiggle out of the 2.75 % rate lock as rates have increased since I locked. My new expiration date on the 3.5 % 30 year fixed is XXXX/XXXX/2016, but I still have not been contacted by an appraiser. When the solutions consultant first told me of their inability to honor my original rate lock, I said I want my deposit back and I will go elsewhere. He said that was unlikely but had me discuss my case with another handler who would review my case and get back with me. I spoke with my client care specialist on XXXX/XXXX/2016 and said I would like to proceed with the 30-year fixed if they wo n't honor the 5/1 ARM at 2.75 %, but at this point I have not idea where my refinance is. I feel like Quicken is trying to wiggle out of the agreement via this ridiculous claim that the appraisal revealed an outbuilding they can not find com parables for. My home appraised for more than enough to completely discount that building and still validate the loan to value that was originally approved. I have all supporting documents in hard copy, but was having trouble scanning to upload. All documents are available on their website, but not accessible for the purposes of copying and pasting. I have all of the loan estimates, appraisal, etc. on hard copy if needed upon request.
Product: Checking or savings account

On XX/XX/XXXX I contacted what I thought was XXXX computer support. The website had XXXX 's trademark and looked completely legit. Upon reaching a tech, " XXXX XXXX '' I was told that my XXXX account had been hacked and I had to follow the steps he told me to do in order to close the accounts that had been open in my name. I did what he told me and was assured this would resolve the problem, My compalint was honored by XXXX and they refunded {$6900.00}. However, through my XXXX XXXX adnadditional XXXX was transferred and i was duped into opening an account with XXXX to buy bitcoin as I was told this was XXXX of the accounts opened illegally in my name. I put in a claim to Chase and this particular claim # XXXX was denied even though at the time of the claim, they credited my account. On XX/XX/XXXX I was informed they denied it and would be debiting my account by {$540.00} on XX/XX/XXXX. I made a police report and a report to the FTC at the time of the scam which I have attached. At this time, I haven't heard about the XXXX other charges in the amount of {$510.00} yet. I actually have the texts from the " so called '' XXXX techs who scammed me with employee numbers etc. The phony website was removed that day. I went down that rabbit hole.
Product: Debt collection

I am disputing a collection account placed on my credit report by TekCollect, associated with XXXX XXXX XXXX. In XX/XX/XXXX, I contacted XXXX XXXX XXXX to cancel my treatment plan and returned the aligners. A representative from the company confirmed that my contract would be canceled based on the condition of the aligners and my dental concerns, which were acknowledged during a virtual consultation. 

Despite this confirmation and the return of the product, the account was reported to collections without proper notice, documentation, or validation of the alleged debt. TekCollect proceeded to report the debt without providing any supporting documentation from the original creditor or giving me an opportunity to verify the debt beforehand.

I also submitted a formal debt validation request to TekCollect, but they refused to acknowledge the responsibilities XXXX XXXX XXXX had under the agreement. Additionally, the contract they claim to have on file is not valid due to the circumstances surrounding this matter, including XXXX XXXX XXXX failure to fulfill their obligations and their eventual closure. 

The contract itself was breached by XXXX XXXX XXXX, as they failed to deliver the agreed services, including access to dental support. Additionally, XXXX XXXX XXXX ceased operations in late XXXX, abandoning customers mid-treatment and leaving contractual obligations unfulfilled. 

It is important to note that the aligners were returned, and I no longer have access to them. If there is a claim that I still owe for the product, I now have no opportunity to have the aligners sent back to me. This creates an unfair situation where I am being held responsible for a product that I do not have, can not retrieve, and was already returned in good faith. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I believe this account is being reported unfairly and inaccurately. I am requesting the removal of this collection account from my credit report and a full investigation into the validity of the debt, especially in light of the closure and bankruptcy of XXXX XXXX XXXX. 

Attached are supporting documents including : The original contract and payment terms A cancellation request sent to XXXX XXXX XXXX A formal dispute letter to the credit reporting agency A debt validation request sent to the collection agency I respectfully ask that this matter be resolved by removing the invalid collection item from my credit report and ceasing all collection activities associated with this account.
Product: Mortgage

During the months of XX/XX/2017 to XX/XX/2017 the bank agreed to place my account in a loan modification. This created hit to my credit as payments were placed in escrow and not reflected as paid. The underwriter rejected for several reasons and new submission were required. The process didnt account for payments to be made to keep my account in good standing during this time frame negatively effecting my account. I contacted the bank to move my money from escrow to pay my payments because these two departments dont speak to each other.
Product: Checking or savings account

I signed up with a service called XXXX XXXX and linked my Bank of America account to it so that I can cash out on my paycheck early instead of waiting for payday. This requires that my account maintain a positive balance in order for them to send money to the Bank of America account. Bank of America has not maintained an active communication with XXXX XXXX to show the realtime balance in my account. As a result I am not able to cash out with XXXX XXXX and am limited in my ability to pay for things I need to survive. I need Bank of America to actively participate with XXXX XXXX so that I am not handicapped when my personal account is low in balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union continues to report inaccurate information regarding my credit file. Trans Union is reporting current up to date accounts as potentially negative accounts. 

Trans Union reported a XXXX delinquent account when the accounts are paid and no longer reportable on my credit report. 

Trans Union continues to report accounts that have been charged off, and accounts that are business accounts are being reported on my personal account. 

Trans Union continues to report soft hits as hard hits, and duplicated information causing damages and denial of mortgage approval and other accounts. 

Trans Union continues to report inaccurate information after receiving a 30 day notification to correct any and all inaccuracy within 30 days.
Product: Mortgage

I have been attempting to get CitiMortgage to refinance an ARM mortgage which currently has a low interest rate. I have contacted CitiMortgage throughout the past few years while the interest rates were low to get out of this loan product. Due to the fact that my loan is not backed by XXXX XXXX and XXXX, they contend that they do not have any options. I have sent several letters requesting a lender option modifiction since the loan guidelines do n't meet their refinancing guidelines as I have been been told in the past. The goal is to get this mortgage in a 30 year fixed mortgage. I would like to the keep the property and have n't been late on the mortgage. If the interest rates rise higher, it may create a problem, depending on how high they go. I would rather be in a fixed 30 year mortgage which would be beneficial to both me and the lender for the long run. With your help, I am seeking relief in the form of consideration of a lender option modification which I am aware can be done since there are n't any guidelines to prevent CitiMortgage from doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account from XXXX XXXX XXXX for {$100.00} reporting on my report that is not accurate.XXXX XXXX XXXX has agreed to have this account removed from my report and has ask all bereaus to remove the account but Equifax has not yet deleted the account fro my report.
Product: Credit card or prepaid card

I was approved of a Citi Premier credit card on XX/XX/2021, with the bonus of XXXX Thank You Points after spending {$4000.00} within 3 months of account opening. The annual membership fee for this card, {$95.00}, was posted to my account on XX/XX/2021. It was fully paid a few days later. On XX/XX/2021, Citibank unilaterally closed this account after alleging me of " providing inaccurate information '' on a transaction dispute. I have absolutely not provided any inaccurate information to my knowledge in any of my disputes that I submitted to Citibank. Citibank conveniently charged me {$95.00} for the membership for the whole year, only to close my account less than a month after this membership fee was paid -- I basically paid {$95.00} for less than 2 months of membership for this card. This is an obviously shameless infringement of my rights as a cardholder to submit disputes to a reasonable degree. Citibank must be held accountable for this disgusting behavior to take advantage of vulnerable individual cardholders and reinstate my account immediately with an opening bonus after I complete my required spending requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to bring to your attention a matter of great concern regarding the recent handling of my credit report as per the Fair Credit Reporting Act ( FCRA ), specifically in relation to the list of accounts outlined below. These actions appear to be in violation of my federally protected consumer rights to privacy and confidentiality as stipulated by 15 USC 1681. 

The accounts in question are as follows : Account Name : XXXX XXXX XXXX  Account Number : # XXXX Account Name : XXXX Account Number : # XXXX Account Name : XXXX XXXX XXXX Account Number : # XXXX Account Name : XXXX Account Number : # XXXX I initiated a request for reinvestigation of these accounts with Experian, XXXX, and XXXX , in accordance with the FCRA. However, to my surprise, their response indicated that everything was deemed complete and accurate. This assertion baffles me, as several critical pieces of information, such as the open date, date of last activity, and other essential details, are clearly incorrect. According to 15 USC 1681 ( 5 ), it is incumbent upon them to rectify inaccuracies and discrepancies in accounts. 

My right to privacy, as provided by 15 U.S.C 1681 section 602 A, is paramount in this situation. Moreover, 15 U.S.C 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish any account information without my explicit written instructions. This principle holds significant weight in safeguarding my personal financial data. 

I must also highlight the provision within 15 U.S.C 1681c. ( a ) ( 5 ), which explicitly prohibits the inclusion of certain items of information in consumer reports, particularly adverse items that predate the report by more than seven years. This section is a crucial component of maintaining the accuracy and fairness of credit reporting. 

Furthermore, the obligation outlined in 15 U.S.C. 1681s-2 ( A ) ( 1 ) stipulates that no entity should provide information to a consumer reporting agency if they are aware or have reasonable cause to believe that the information is inaccurate. These provisions are designed to ensure the integrity of credit reporting, and their adherence is essential. 

It has come to my attention that the entities involved are not even in compliance with Metro 2 credit reporting standards, and I possess substantial evidence to substantiate my claims. Therefore, I kindly request a thorough review of this matter in line with the FCRA, and I anticipate a prompt resolution to rectify these violations. 

Please acknowledge the receipt of this formal complaint at your earliest convenience, and provide a clear timeline for the investigation and resolution of this matter. I appreciate your attention to this serious issue and trust that a fair and just outcome will be reached.
Product: Credit reporting

Trade line identified as XXXX appears on my credit report, however, the alleged original creditor has FAILED to supply proof of a debt. Additionally, I asked TransUnion to provide me with the 'Method of Verification ' for the disputed item, as attached - yet the trade line was somehow 'verified '. Since neither the data furnisher nor TransUnion can provide me with ANY proof that I signed a contract for debt, TransUnion needs to permanently delete this item as FCRA does NOT allow for unverified items to remain on consumer credit reports.
Product: Checking or savings account

I am a XXXX XXXX in the United States, I traveled to open an account on XX/XX/XXXX with CITIBANK, they opened my financial product and gave me a provisional debit card to carry out my transactions, which would be active until XX/XX/XXXX. XXXX, when they opened my product, they informed me that the definitive card with which I could activate my online transactional portal would receive it no later than XX/XX/XXXX, However, this did not happen. I went back to the branch and the adviser who opened my product realized that she had mistyped the delivery details of my card, she made the correction and supposedly the card would arrive as soon as possible, I already I returned to my country of origin and as of today the card has not arrived at the address of my family member, I have called the bank several times, I have sent emails requesting the shipment and none of my requirements have been met, As of today I have no way of using my resources because I finished transferring them all from my account in my country of origin to the account I opened with CITIBANK, and now I have no way to dispose of my resources. All I am requesting is that you deliver my final card as per the service promise to the address I provided.
Product: Credit reporting or other personal consumer reports

i was never late on any accounts! 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.remove this account or face violation {$1000.00} per volation
Product: Credit reporting or other personal consumer reports

Hello! After reviewing my report, there are discrepancies showing that I keep getting hard inquiries from [ XXXX XXXX ]. Consumer reporting Agencies play a vital role in accurately reporting consumer information. This information must be reported with utmost accuracy. I've only ever tried to do a soft pull with said account. They pull my credit report anyway without my permission. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, I demand that these inquiries be removed from my credit report without delay.
Product: Credit reporting

There are incorrect addresses reported on my credit report. My home address in XXXX XXXX is correct. I have lived in XXXX for the past 16 years. However the address in XXXX XXXX is my sons address. It is not mine.
Product: Credit card

I purchased a smoker from Lowe 's online Sunday XXXX for {$200.00}. On Monday morning XXXX at XXXX I checked to see when it would be delivered. The delivery address and phone number had changed from when I placed the order, and was now a four year old address and a phone number that was no longer in service. I am sure I did not provide that old address and phone number when I placed the order. ( Which also did not match my current information on the Lowe 's credit card used ) I immediately called the local Lowe 's in XXXX XXXX, FL and was told to call the Lowe 's Corporate office. I called the Corporate Office and they told me to call XXXX  XXXX. I called XXXX  XXXX and they told me there was nothing they could do. 
I did not receive the smoker and have filed multiple disputes with the credit card. 
I believe that Lowe 's antiquated computer system somehow changed the delivery address and phone number to a very old one. 
I have no way of knowing if the smoker was actually delivered, but I know it wasn't delivered to me. I do not feel I should pay for an item I did not receive.
Product: Debt collection

XX/XX/XXXX IC system contacted my husband to verify a debt that I have with them for my medical debt. And they also told him that any information will be used to can be used to collect a debt or as close to that as they say. I have also asked that they not contact me by phone and only contact me via written communication and they have refused to do so. They have called my up to 5 times a day from different generated phone numbers from XX/XX/XXXX up until this current point at XX/XX/XXXX
Product: Credit card or prepaid card

I opened this credit account last winter, almost one year ago. I had an emergency at my home and needed some type of credit to pay for needed construction work. I was given a small line of credit, I believe {$500.00}. At the time I had expected to be able to pay this debt off in under six months. I am not saying I did not agree to the terms. I did. That is not what this is about. Unfortunately, my husband got laid off only a month before. We thought he would have been back to work in no more than a month but it did not work out that way. it took longer than expected, just over two full months and of course we didn't start seeing paychecks until almost three months. We were hard pressed to even pay our mortgage which we had to make principal only payments on for a few months. We had to put oil in our tank, and pay all our essential bills, including several credit card payments, this being one of them. It took us well over six months to recover from the hardship especially since I was not working. I recently noticed, my monthly payments werent ' making a dent in this debt. I contacted the bank asking if something could be done, to lower the interest rate and maybe remove some of the interest etc. I was promptly denied. I had also approached another bank with another credit card and had very positive results. The bank worked with me and removed a few hundred dollars of interest and put me on a 0 % for the remainder of that balance. I was very pleasantly surprised. However, Barclay refused to do anything to assist us. Nothing. I have since gone on XXXX  XXXX in early XXXX. To this day we are still struggling and feeling the effects of my husbands lay off last XXXX. I can not believe that I have to pay hundreds of dollars of interest on a {$500.00} charge. It is insane. I don't want to have to make an ugly decision, like having to default on this credit card but I can not continue with this debt. I need help. The interest rate on this card is very high and I feel the bank is taking advantage now.
Product: Credit card or prepaid card

I opened an account with Prosper on XXXX under the agreement that if I set up auto pay before the 1st statement the annual fee of XXXX. Would be waived the 1st year. I set it up on the website because their app wouldn't open. It took a week for that to start working. I got a statement dated XX/XX/XXXX that charged the fee. I called & was told they couldn't verify my identity. I tried again today after email got no response. I was told that I didn't register on time so I have to pay the XXXX & they refuse to reverse the fee. They blocked my use of the account & I haven't even received the card yet.
Product: Mortgage

I reported to Chase on XX/XX/XXXX that they over paid property taxes for my home in XXXX. This mortgage was originally with First Republic Bank and converted to Chase in XXXXXXXX XXXX XXXXXXXX. At the time of conversion, my property taxes ( PILOT program ) had all been paid. Chase subsequently paid an additional {$18000.00} to the county ( incorrect amount and person ). Upon reaching out, I was told they received a bill from the county, this was incorrect, then continue to receive notices that they will look into it. Upon receiving my escrow analysis from them it clearly indicates that this was incorrect, individuals have admitted it on the phone, however have yet to make any sort of corrects. We are now at two months since I reported this and no progress has been made to refund my escrow account for their fraudulent payment. Additionally, they provided an incorrect 1098 form and will not make any amendments to it inorder to reflect the proper information. 
Essentially, they have made an unauthorized fraudulent payment from my escrow account and are unwilling to resolve this issue.