23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I tried to get a HELOC from Citizens Bank. The initial drive-by appraisal had our property size incorrectly listed as XXXX acres instead of the actual XXXX acres. They refused to correct it without an in home appraisal which we then scheduled. After the in home appraisal, the property size was incorrectly listed as XXXX acres yet again. After weeks of back and forth with citizens they finally adjusted the property size to XXXX acres and gave us a valuation of XXXX. 
I noticed other substantial errors on the appraisal in regard to the square footage. They had XXXX listed instead of the actual XXXX ( which I had proved via property record card from the county assessor ) as well as the year built being incorrect. In order to receive the best rate of XXXX 1.15 %, we needed to obtain a line of credit of XXXX. With the incorrect appraisal we were offered a XXXX line at a rate of XXXX XXXX %. 
They said the limit was based of a max of 80 % XXXX. 

They refuse to correct the appraisal which I believe would get us to the proper valuation. Using their value of XXXX sq/ft. 
( XXXX ) adjusted for the correct square footage of XXXX would then be {$440000.00}. Which would then lower the XXXX to 79 % at a {$100000.00} Line of Credit ultimately securing the lower interest rate.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I was scammed out of {$3100.00} through XXXX. The scammer text me, and then called me from a " Wells Fargo '' number, and pretended to be a Wells Fargo bank representative, and scammed me out of my money by getting me to transfer money to them. I immediately reported it to Wells Fargo, who investigated, confirmed the scam, but refused to return my money to me. They stated that the transfers were authorized by me, and closed my claim. I researched EFT Act and found Regulation E. I called back and mentioned Reg. E to them, but they still refused to return my money, claiming that my situation is not considered an unauthorized transfer and doesn't fall under Reg. E. According to the Consumer Financial Protection Bureau , my case meets the Reg E. definition of unauthorized transfers. Wells Fargo has continued to deny this, has given me the run-a-round about my claim, and has continued to refuse to return my money. By law, I'm supposed to get my money back, but they are refusing to return it. Please help me.
Product: Mortgage

In XXXX of 2015, I received a letter in the mail telling me that I could apply for mortgage relief in the form of a modification to reduce my monthly mortgage payment. At that I was current on my mortgage but I was struggling to make the payment as I have XXXX children at home and my husbands income had been reducing steadily. I called the number on the card because it stated that it was part of the XXXX program and I thought it would be a legitimate program. The letter also had the HARP logo on it. When I called the number it was a group called XXXX XXXX XXXX. They had me talk with XXXX XXXX. They gave me a case ID # XXXX. She told me to stop paying my mortgage to be able to show a financial hardship. She also told me to keep very little money in the bank. Over the course of the last eleven months I have sent many documents, some of them over and over again. I have had many difficulties gettin in touch with them to ask questions. I recieved a certified letter from my lender stating I was in forclosure. XXXX told me not to worry about that. It was a norml part of of the process. In XXXX of 2015 XXXX notified me that my lender would not participate and the offered a forbearance plan of {$2700.00} over twelve months in order to become current. My husband lost his job in XXXX so the forbearance plan was completely unreasonable for us. I was speaking with a representative of XXXX and told her about my husbands lack of employment and she said we could start the process over with the new circumstances. Shortly after that conversation I received a notice to appear in Mortgage court. I appeared on XXXX XXXX and was told that Nationstar Mortgage was proceeding with the foreclosure. The attorney hired to represent Nationstar Mortgage was very upset with our situation. He told me we were taken advantage of and scammed. He told me to take this to my state representitive. I paid XXXX over thee thousand dollars, adheared to eveything they required and ask of me. Now I am faced with bad credit, and trying to find a home for my husband, myself and my XXXX minor children. Please help. Thank you.
Product: Checking or savings account

I applied for a new account with Flagstar Bank on XX/XX/2024 to take advantage of their advertised 5.55 % apy promotional rate. When I reviewed my first statement, I realized that I was only getting 2 % apy. I tried using their online chat several times during normal business hours, but replies that it was unavailable. I sent a secure email on XX/XX/XXXX inquiring about the issue. Since then, my husband and I have both called multiple times to request that the 5.55 % apy be applied and backdated to the account opening date. The bank has been unable to resolve this and keeps telling us that they're backed up and to call back later, or promised to call us back and never does. Now I'm trying to transfer my money back out and am unable to do so. Setting up an external transfer through Flagstar 's website fails, with an error message that the text validation code for my external account is incorrect. When trying to set it up for my external account to pull the money from Flagstar, that also fails, saying that the Flagstar account type doesn't allow it. Today, XX/XX/2024, I was escalated to XXXX XXXX in the president 's office to explain why Flagstar is unwilling or unable to do an ACH or wire transfer of my balance to an external bank. She said she would call me back, after she is able to find out about Flagstar 's transfer procedures, but that it might take several days and I should be patient.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to dispute every hard inquiry as fraud but not XXXX. 

XXXX : 1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX The following has charged off and I like them removed and closed due to the pandemic and I am at high risk of XXXX and can't work. 
1. SUN LOAN # XXXX 2. XXXX XXXX XXXX
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 Accounts : Account XXXX Date openedXXXX  XXXX, XXXX Account XXXX XXXX, XXXX. 
Address XXXX XXXX XXXX, IL XXXX Phone number ( XXXX ) XXXX Account numberXXXX  Date XXXX XXXX, XXXX Account typeCollectio Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, CT XXXX Phone number ( XXXX ) XXXX Account XXXX Date XXXX XXXX, XXXX Account typeCollection XXXX XXXX ACCOUNT SYSTEM Address XXXX XXXX XXXX XXXX, CT XXXX Phone number ( XXXX ) XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX XXXX XXXX is reporting to XXXX XXXX and the three major credit bureaus such a Transunion XXXX and XXXX that my closed first premier card as open with a XXXX credit limit. This is inaccurate and fraudulent. I don't have this card and it paid in full with O balance. 
2. XXXX XXXX is reporting the XXXX XXXX  card muliple/duplicates of the card must be deleted.
Product: Debt collection

My father, a retired XXXX  citizen, in the United States forwarded the a letter to me in XXXX where I have lived since XXXX. The letter states that it is from a debt collector and provides contact information for a law firm. 

The letter indicates that there is pending legal action on collections for a large sum of money charged in XXXX. It indicates that they intend to sue and further costs may be incurred. Since I do not have any familiarity with the law organization or the named creditor, nor can I place the charge amount in my own transaction history, I believe this may be a scam. 

I am also suspicious since it was sent to my XXXX  relatives address rather than my correct international address. The letter itself states that contacting family members regarding the information it contains is not legal, yet that does seem to be what they have done. 

I received no response from the company.
Product: Checking or savings account

I had amount withdrawn from account and no services were recieved. I contacted both XXXX and PNC and both were unable to assist. PNC claims it's XXXX and XXXX states I have to contact the merchant and is unable to assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXX an FTC report in order for them to remove the inquiries that I did not authorize but they have not complied. I was told it was because they dont have my id and ss card which is not true because I have sent it to them via certified mail several times.
Product: Debt collection

I, consumer and natural person, received a bill demanding to pay. I have never went into a consumer transaction with SYNERGETIC COMMUNICATION, INC. 15 USC 1692 refers to individual privacy. My contract grants an " ORIGINAL CREDITOR '' permission to have my information, it does not give a third-party debt collector permission to contact me. No one is allowed to have or purchase my information without my consent. This is an infringement upon my consumer 's right to privacy.
Product: Credit reporting

Equifax has been reporting false information on my credit report since XXXX XXXX that has prevented me from renting an apartment. They have XXXX collections listed from XXXX XXXX XXXX / XXXX. This information was previously deleted via a dispute in XXXX XXXX. Equifax continuously states that the company ( XXXX ) is verifying the information that account belongs to me but fails to provide any proof of the alleged debt and method of verification. I have sent in documents directly to Equifax showing that the account that is reporting the information does not match to what XXXX is claiming and the original creditor is XXXX XXXX and it does not match that of XXXX. I have requested a signed contract that has my signature showing that I agreed to terms with XXXX communities which both Equifax and XXXX have failed to provide ( because it does not exist ) yet both Equifax and XXXX do not provide any additional proof and these XXXX negative collection entries remain on my credit report.
Product: Credit reporting or other personal consumer reports

Based on, 15 U.S. Code 168c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft, no later than XXXX business days after the date of receipt. 

You have XXXX  days and if the accounts arent removed you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 

These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of the verifiable proof, you must remove the accounts listed below. 



Summary of Accounts being challenged in list form : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/2024 I deposited a cash of amount {$7500.00} to BOFA XXXX ID # XXXX on the following address : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. It was the payment for the kitchen cabinets sold by our kitchen store. The client brought cash because he needed his kitchen asap. At XXXX pm while I was deposited the money, the ATM stopped working. The following error was showing : We're sorry, this ATM is temporary out of service. I have attached a picture of the screen. I immediately checked my bank account and saw that the deposit did not get proceed to my account. I went to the bank and ask the advisor what to do. Unfortunately, they did not help me much, they said that ATM is a third party, and they can not help me. I called to the phone number on the ATM machine to make a claim. The claim advisor said that investigation will take up to 10 days but in next XXXX hours they will credit this money to my bank account until investigation will be resolved. Next day I called to the claim department and the other advisor told me the completely different info. She said that if in 10 days they would not investigate it, they maybe will credit this deposit after 10 days. These money is clients ' money. We're a retail store and I have to order the kitchen for my client the same day. If I would not, he would like to get a refund. This ATM just ate my money, and no one can help me. The claim advisors were rude and completely and unhelpful. This is a big money for my company and this situation can ruin our business. I'm feeling very unsafe to work with BOFA in the future. Please help me to get my money back asap. Thank you
Product: Debt collection

This collection XXXX  started appearimg om my credit report this month. It states it was a collection from a XXXX Bank XXXX XXXX that was opened in XX/XX/XXXX and regerred to collections in XX/XX/XXXX. I never opened any credit cards on or around this time. I comtacted XXXX XXXX and was told that they have no record of any account in my name for this time period.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX XXXX Acct XXXX XXXX XXXX XXXX  XXXX XXXX Acct # XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX Acct # XXXX XXXX  Ref # XXXX In accordance with the Fair Credit Reporting Act, the above companies has violated my rights. 

15 USC 1681 Section 602 A, 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.
Product: Credit reporting

I have contacted Equifax about XXXX accounts on my credit report advising that I have settled these accounts but they still continue to report that the balances have not been taken care off. I am told to contact the creditor that reported on my credit report which I 've done and it is still not corrected.
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which are found to be opened due to identity theft. 
XXXX XXXX XXXX XXXXXXXX, CT XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have hard inquiry that need to be removed. I have XXXX XXXX XXXX   and XXXX XXXX that I dont pay. Because I dont have a loan with them. And also I have turned this car in. That is mess up my credit. Which they would not fixs it. It was a lemon. I have problems by trying to get loanss. I hard inquiries on my credit that also pull my credit to XXXX and. And my credit things is still on them way in XX/XX/XXXX XX/XX/XXXX. Please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX should not be reporting to XXXX  ; Experian and XXXX  that I am ( 90-120 ) days late on the XXXX  XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was granted payment arrangements on this account via the CARES Act. XXXX  XXXX XXXX agreed to the terms of the payment arrangements and assured me that this account would not be in jeopardy under our agreement. I was also told that no late payments would report. XXXX XXXX XXXX did not honor our agreement and consequently they reported this account to the bureaus as being late. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of lates is seriously harming my credit score and these lates need to be removed. I have contacted XXXX XXXX XXXX as well as the bureaus to fix this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing issue of late open accounts on my credit report. This marks my second attempt to rectify this matter, and despite my efforts, the discrepancies remain unresolved. It has come to my attention that there are late open accounts inaccurately reported on my credit file. Despite my initial dispute and subsequent attempt to correct this error, the late open accounts persist, casting a shadow on my creditworthiness and financial reputation. I have diligently followed the procedures outlined by your organization to dispute and rectify inaccuracies in my credit report. However, the lack of action and resolution from your end is concerning and unacceptable. It is imperative that accurate and fair reporting is maintained to ensure the integrity of my credit history. I urge you to conduct a thorough investigation into the late open accounts and take immediate action to rectify this matter. The persistence of these inaccuracies not only affects my ability to access credit but also undermines my trust in your organization 's ability to uphold fair and accurate reporting practices. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXXXXXX XXXX Balance : {$960.00} ; XXXX XXXX XXXX Balance : {$290.00}.
Product: Vehicle loan or lease

i purchased XXXX XXXX XXXX from dealer in XXXX and was told I had to take a loan and I could pay off within next 30 days. 
When I attempted to pay the loan I was told i could only pay {$2000.00} a month toward loan. I made many attempts online to make full payment but chrysler finance online will not allow it. 
I called and did not get any response. Finally chrysler told me this limitation is to protect fraud. The loan papers i signed did not specify {$2000.00} payment limitation per payment. I have paid off loan last month since it was about {$10000.00} in {$2000.00} increments. I have not paid intrest of {$100.00}. 
Chrysler is now threatening to report me to credit bureau and not release title. Due to covid Chryler does not answer phone and fails to provide contract copy..
Product: Credit reporting, credit repair services, or other personal consumer reports

On Wednesday XX/XX/2023. 

I contacted all three credit agencies, XXXX, Transunion, and XXXX. I realized that there are credit inquires on all three of my credit reports that I did not authorize. 

XXXX was the only Agency that removed the unauthorize credit inquires.

Credit Inquires that I did not authorize and should be removed from my Trans Union and XXXX are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I worked out a loan modification with them. It was pay 3 payments on time, then they would put the rest at end of mortgage. I made all three payments. I talked to someone and they said yes you did and they were taking care of the rest thru a program they had. Then I got a call saying they needed my divorce paperwork because som6else might be on my title. Complete lies they told me. I have been divorced over 10 years and he's remarried. I was with another company first, whom I took my loan out with and they never needed that. My name is the only one on the title. Then they said yeah he isn't but still need divorce papers. I'm waiting for it in the mail but in the meantime they are foreclosing on me. I had to redo loan modification again. Waiting on reply. They don't like to tell the truth. One day late and they livk you out of paying even if you have a 10 day grace period.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXXXXXX XXXX XXXX XXXX
Product: Checking or savings account

I deposited my paycheck and was given a available balance and later that night the purchases were put in as overdraft as they took my available balance away and put a hold on my paycheck so the charges I made when I had a available balance made my account negative