23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We applied with Unlock Technologies to enter into a XXXX XXXX XXXX and got to the appraisal portion before finalizing. They never communicated that they use something called a " hybrid '' appraisal process since it's cheaper and they are coving the " appraisal '' cost if a customer doesn't decide to enter the HEA. Their hybrid appraisal process consisted of a real estate agent coming to the property, measuring the outside of the house and snapping a few interior photos that they then used for an " appraisal ''. The first appraiser used XXXXt to appraise the XXXX property remotely from XXXX. He appraised it for $ XXXX using XXXX of XXXX comps that aren't even in the same neighborhood of XXXX as our property being appraised. We also brought to our attention we had an in-person formal appraisal from XXXX  ( XXXX  years ago ) that was for $ XXXX and that given the in accurate comp pull, an appraisal from XXXX  years ago for the same amount, and the appraiser not being local that they should have concern for this appraiser and the accuracy. We said we would be willing to pay for a formal appraisal not using this " hybrid '' method we never heard of. Instead the said they had a second appraisal done on the property and that it came back pretty much the same at $ XXXX. The even more questionable part of all this is that the second appraisal they shared has the exact same comps pulled and information it's just the appraisers name/company and appraisal amount has changed. If a neutral 3rd part was truly contacted to run a second appraisal there is no way they would pull the exact 3 same comps especially in a high density market like XXXX XXXX  and with XXXX being not even in the same neighborhood as the address being appraised. There's strong concern that Unlock Technologies is requesting certain details and alignment from appraisers or they are straight altering appraisals to benefit them. 

To put a bow on this. As a realistic average and estimate this property would conservatively appraise for at least $ XXXX. We aren't unrealistic and looking for it to appraise for XXXX like some of the high end of the true comps. Ultimately the bigger concern with this new product and these companies offering HEA products is that they are working with appraisers to appraise properties low and inaccurate to loan out lower amounts of money and then when the agreement ends and they appraise the property to cash out the appraiser will appraiser at a much higher market value resulting in a huge pay day for the lender Unlock Technologies. 

I have attached XXXX documents. The XXXX appraisals Unlock Technologies had done that are virtually identical except the appraiser info and the appraised amount by XXXX and then the appraisal we had done back in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing XXXX XXXX XXXX XXXX on my credit report and have not been getting through with the original creditor. I called the phone number listed for the company which is ( XXXX ) XXXX on XXXX XX/XX/2022. I called 3x before a lady that goes by XXXX XXXX answered the phone and said verbatim Call this number one more time and see what happens! And than proceeded to hang up on me very rudely. I attempted to call back but she sent me straight to voicemail.
Product: Checking or savings account

On XX/XX/2023, while I was at XXXX XXXXXXXX, located at XXXX XXXX XXXX XXXXXXXX, XXXX, TX, the locker I was using was broken into and my wallet and cell phone was stolen. At approximately XXXX XXXX the thieves used my Chase Bank debit card and purchased XXXX XXXX XXXX XXXX phones totaling {$2500.00}. When I became aware of the thief, I immediately contacted the XXXX police department, and a detective was assigned to the case. I also contacted Chase Bank and XXXX XXXX to report the incident. I provided the police report and evidence of the thief to Chase Bank and XXXX XXXX, but Neither Chase Bank nor XXXX XXXX has assisted me in restoring my funds. They are both giving me the run-around and sending me back and forth between the two. I am out of {$2500.00} for phones I never purchased. I am a victim of theft, and now both Chase and XXXX XXXX want me to be responsible for the fraudulent charges made to my account. Chase sent a fraud alert to my phone that the thieves had, but still allowed the purchase to go through at XXXX XXXX. They did not protect my money. I have no other recourse at this time, as I have exhausted all avenues to get my money back from Chase, which they refused to put back in my account. Now I am in debt for two phones I did not buy. Can you please help me? I do not know where else to turn to resolve this issue.
Product: Student loan

The problem lies in the fact that the interest rate is more than my payment, I can not afford double payments and with my minumun payment they are still charging me {$400.00} per month in interest. I have had a student loan for over 20 years now and no matter how I try to pay it off- ll it does is increase. I had many deferments and the company kept charging me interest on the loan. My loan has increased over 20, 000.00 in interest alone. When I contact the company for help all they offer is a plan with lower payments and that does nothing when interest is still collecting. I also am supposed to renew my loan terms yearly and never receive anything in the mail, and they make it difficult to do this.
Product: Money transfer, virtual currency, or money service

My daughter and I looking for a place to live so that she can finish high school in a designated school district. I found an ad on multiple websites and proceeded then inquired for the unit availability and it was. Unfortunately, I am under a lot of pressure and burden to move out of my current living arrangement. I had to make a quick decision for my daughter and I to move out by the end of the month of XX/XX/2023. 

After contacting the said seller/owner of the unit, I was asked to commit to the said unit with a lump-sum payment of {$2400.00} via XXXX. This said seller/owner was a new person in my contacts and I was only allowed to send {$500.00} as a daily limit by my financial institution ; Chase. I had to break down {$2400.00} in to 5 separate payments : {$500.00} x 4 and a final payment of {$400.00} all made via XXXX. 

During these payments, I was in contact with said owner about meeting up and viewing the unit. I was promised to being able to meet up with this said owner to do a walk-through of the unit and to he provided necessary receipt and keys for the unit for my daughter and I to move in by XX/XX/2023. 

After last payment, all links to the unit were no where to be found on the internet and I found that suspicious. I started to do a little more digging on the said owner and his information and discovered that I had been scammed. Now I am out of {$2400.00}, about to be homeless with my teenage daughter. 

My attempt to contact J.P Morgan Chase Bank 's fraudulent department states that there is nothing that can be done since the payment has already been authorized and received by the recipient. I am beyond upset and torn to be in this situation with my daughter. Can someone please please please please help recover my funds as well as catching this said owner. 

Said owner : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Said XXXX recipient : XXXX Said property address promised : XXXX XXXX XXXX # XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry on my XXXX XXXX report from XXXX which I did not authorize. When I attempt to dispute the inquiry on the transunion website all I get in a continual loop that keeps sending me back to the original place.
Product: Credit card or prepaid card

XX/XX/22, {$1300.00} disputed on my capital one account for products not delivered. XXXX stole from me and Capital One will not refund of {$1300.00}. Merchant could not deliver product after purchase and Capital One is holding {$1300.00} funds on my credit card account. Please assist as this is XXXX XXXX theft from XXXX.
Product: Credit card or prepaid card

On XX/XX/2021 at XXXX I received a phone call from XXXX calling me on behalf of my bank telling me that I can save on my interest rate with my " high '' balance [ they named my bank XXXX credit card. He said I'm paying interest as high as 26 % and he's been authorized to lower it, I replied I don't pay that. I asked the caller what company he was calling from. He would not say but continued on with his sales pitch. Then I asked him if he was with my bank to tell me what my balance was on my " high '' balance credit card with them. Again he would not answer. Again I asked where he was calling from. As I started to question him further he hung up on me. When I called the number back it was for Capital One. I do not have a Capital One account. I then went through various people to finally be transferred to a Supervisor and asked who was your Compliance Officer, which she would not say. I then asked her if this line was recorded. It was, for training purposes, excellent news. I proceeded to tell her that they are in direct violation of CFPB for Deceptive Marketing Practices and that they can be fined for this and that I had already filed a complaint with Do Not Call Registry and will be filing with CFPB. You can not call someone pretending to be from their bank and refuse to answer that question. I told her to make sure that you take this complaint directly to your Compliance Officer because this is a big problem with legal ramifications. do you understand what I just said. She said yes. I told her to go do that now. The regular consumer wouldn't know that the Dodd-Frank Act protects the consumer and that the CFPB regulates the industry, and I just did my training on it yesterday. To bad for them.
Product: Student loan

I attended the school in XX/XX/2019 and I withdrew from the school early because I didnt like it so I stop attending the school on XX/XX/2019 I went there to withdraw. The finicial aid guy talked me into holding my seat because I may come back instead of withdrawing and starting over. He told me I would not be charged I would be tooken of the attendance. I told him Im not coming back though he insisted this was the better option. I got an phone call in XX/XX/XXXX saying why havent I been in school then I had to explain to the guy what do you mean I was suppose to be withdrawn he said Im still on the attendance as Im coming to school. I was shocked because the guy lied to my face and still had me being charged when I wasnt there any more. I owe a loan in the amount of XXXX and its on my credit already and I was approve for fincial aid too
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : XX/XX/XXXX Since then the date of last activity has been inconsistently updated. On XXXX the date last active is ( XX/XX/XXXX ) an on XXXX it's ( XX/XX/XXXX ) and on experian is XX/XX/XXXX If the information is coming from the original creditor the dates should be the same. We can not say these account are 100 % accurate so it is deemed INACCURATE. Please delete this account from my report. 

XX/XX/XXXX Account number : XXXX
Product: Credit card or prepaid card

sent payment of {$60.00} and they cashed it. check number XXXX processing date is : XXXX. They say they never received payment. We have sent a letter from bank that the check cleared. This wasn't enough for them. We sent a copy of check. They still continue to say I have late payment. We have faxed/mailed this document 3 time already and they don't clear it up. We have called several times trying to resolve this issue. They have reported this to the credit bureau and have messed up my credit!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 3 letters to Transunion. the first dated XX/XX/2021, the second XX/XX/2021 and the last one on XX/XX/2021. I never received responses to my first 2 letters, they responded to the letter dated XX/XX/2021 on XX/XX/2021 as if they had responded to the previous letters. They said they will not reinvestigate my disputes because they already investigated, which they have not because I have not received any response letters from them besides the one dated XX/XX/2021. They have 30 days to respond to a consumer and they are not following the laws of FCRA.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXXXXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

XX/XX/XXXX I went to a XXXX to buy a prepaid card and I brought a Netspend card when I was trying to active the card they asked me to sent them an email with a picture of my ID, my social security and a picture of something to prove my address I sent one email with 3 pictures and they told me to call back after 6 business hours so on XX/XX/XXXX I called back they told me they received the email but they only received my proof of address I explained that it was 1 email with all 3 documents they said they only received one I said okay I want a refund they asked me how much was they money I said {$240.00} they said they gon na start the refund and I should receive a check on my name on XX/XX/XXXX, 10 days. On XX/XX/XXXX I didnt receive the money I called them again complaining the person I was talking to said thats impossible they gave me a wrong date because I called on XX/XX/XXXX, I said no and explained everything she told me Im gon na have to wait till XX/XX/XXXX which was yesterday. XX/XX/XXXX I didnt receive the check I was like okay Ill give them one more day and at XXXX on XX/XX/XXXX I went to my mailbox nothing came so I called and they are asking me to wait another 5 days. This is going to far money only takes 7 business days and I agreed to the 10 days they told me to wait, then another 5 but now they are asking for another 5 money doesnt take 20 days to process.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft I have sent in multiple documentation to prove I am a victim and still do not receive any help or deletions and this is ruining my life
Product: Student loan

I graduated with my XXXX  but plan to go back to school. Because if COVID-19 I could not enroll or get in contact with my institution for the paperwork that Sallie Mae needed for my forbearance. Now they constantly call me and my family, demanding for {$1000.00} payment a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've written several letters to XXXX, XXXX, XXXX  and the original creditor that is reporting this inaccurate information regarding a derogatory account with XXXX  and to no avail have they even attempted to fully investigate the accuracy of this account. 

However after I requested to see something bearing my signature I received the attached paper which does NOT bear my signature nor the correct spelling of my name. 

I am demanding again that this inaccurate information be removed from my credit reports as it is having a negative effect on my credit rating.
Product: Debt collection

I was applying for a mortgage and found a {$180.00} collection on my accounts for from financial data systems. My ex-husband was court ordered to pay this debt and never did. I was under the assumption that he had paid it, until a loan officer pulled my credit. I tried to dispute under reason of " no longer liable due to divorce ''. I don't have the time to wait for the dispute process, and My loan officer told me that it would be best to have this collection removed from my report as soon as possible so that I can obtain pre-qualification for a mortgage, which I CAN NOT DO WITH THIS COLLECTION ON MY REPORT. So I went ahead and paid the debt on XX/XX/2018 IN FULL to financial data systems. I spoke to a lady named XXXX and she took the payment over the phone and I asked her would this be removed from my credit report. I REPEATEDLY ASKED IF CREDIT BUREAUS WOULD BE NOTIFIED SO THIS WOULD BE REMOVED FROM MT CREDIT REPORT. She told me that first thing the next business day the information would be sent to all three credit reporting agencies. HOWEVER, this item is still showing on my credit report. I have disputed this item with all three credit bureaus via online dispute forms. I decided to do a follow up phone call with the 3 bureaus today. I was told that they have not received any communication from financial data systems as to the status of this account. I was told this account could not be removed from my credit report unless financial data systems tells the credit bureaus to delete it. I have copies of the receipt where the debt was paid in full.
Product: Student loan

2004 I been scammed into having multiple loans under one cant get payments down currently at {$16000.00}. XXXX XXXX has loans from Sallie Mae which I believe are not safe to deal with because there a rip off. I want to get this off my report. I keep getting the deferment that doesnt work for me because its still messing with my credit
Product: Debt collection

I have been a customer of XXXX XXXX XXXX for 9 years, not once did I miss a payment due to being enrolled in auto pay with XXXX military credit card. I canceled services in the beginning of the year due to many reasons. 
1 ) XXXX  continuously upping rates ( went from {$25.00} military gurantee rate to {$58.00} ) 2 ) we had pre paid cameras installation with a ring door bell threw XXXX which was never installed due to the tech and service mgr claimed due to our front foundation there was not enough room for the ring which required a min of 4 '' 3 ) there is currently a worldwide emergency know as covid 19 with millions unemployed and out of work ( which leaves someone home 24/7 not needing to waste {$58.00} for services no longer needed We have requested a copy of the alleged XXXX contract they're trying to charge us {$860.00} for after being a loyal customer for 9 years not to mention the numerous harrasing phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied to a Credit Union as was told I could not get an account because of a ChexSystems report. I had no idea what that was, so I ordered a copy delivered. 

Upon delivery, I see a mark from XX/XX/2013 from XXXX XXXX that says " Account Abuse ''. 
The total amount claimed to be charged off was XXXX. 

This is completely inaccurate. I still have accounts in goodstanding with XXXX XXXX. I never received any notices, and I certainly did not abuse my account. This was a joint checking account that was soley used to pay our mortgage at the time. This is a bogus description and a bad business practice. I had other linked accounts and was never given information about any abuse of the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I already submitted a dispute with your office with Experian and they responded and I have attached their email they sent, clearly it must have been a automated reply because, again I pay a fee every single month to access my Experian credit report, paying for my report I should see everything that Experian reports and provides to lenders, HOWEVER as you can see by the denial letters from lenders, lenders are claiming I have negative accounts on my experian credit report, I have attached my paid for Experian credit report dated today XX/XX/2022 as you will see there are XXXX NEGATIVE accounts, XXXX bankruptcy accounts on my credit report, BUT there sure seems to be on the reports they are providing to lenders because I am being denied credit for those reasons, I mean its clear as day in denials from lenders that my credit report I get and pay for is NOT the same credit report being provided by Experian to lenders, thats fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$4600.00} XXXX XXXX XXXX XXXX Balance : {$16000.00}
Product: Credit card or prepaid card

I've been disputing Chase on a charge in the amount of {$530.00} by XXXX XXXX XXXX on XX/XX/18, credit card acct # XXXX ( XXXX ). On XX/XX/18, I, in error, paid chase {$540.00}. I called and verified my payment details with the manager at XXXX via a conference call with XXXX XXXX. However, Chase only refunded {$450.00}, on XX/XX/18. Chase still owes me {$88.00}. Several months later chase put {$450.00} back on this acct. Chase have consistently lied to me, refused to return my calls, or resolve this issue. 
XX/XX/18 I retrieved mail from my XXXX XXXX . Enclosed were copies XXXX XXXX XXXX sent to Chase. XXXX ( chase ) sent the copies ( 16 pgs. ) to me XX/XX/18. These documents have my detailed payment transaction to XXXX. They show the last 4 digits of the card used ( XXXX ), exp. date, my name and address at the time, and date of transaction, XX/XX/18. Nowhere in these documents does it show the use of a chase card # XXXX. This is irrefutable proof that chase refuses to acknowledge. 
I appreciate your attention to this matter. 
Thank you, XXXX XXXX, Ph. XXXX XXXX XXXX. 

Ps : I have attached 4 pgs. of 16pgs. as proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

If the validated debt was accurate it wouldve been accurately reporting across all 3 credit bureaus. This is ground for removal they violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I have received several data breaches of my personal information. These data breaches have accounts that are not mines and never was, but to no avail it's still on my credit reports as a charge off. I didn't receive a 1099 for the charge off, i have several different addresses listed. I have charges that are not mines, such as XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX loans that have been sold without my permission and a bankruptcy added back to my XXXX  loans that was discharged in bankruptcy from a college that was foreclosed.