23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I wanted to refinance my home equity loan and first mortgage. I am currently living in an apartment in XXXX while my husband works, while our home is in XXXX. I contacted Quicken Loans and began the process with them. The explained it would have to be considered an investment property. After some crazy paperwork we were approved of the mortgage. They took XXXX dollars for the appraisal and I was told it would cost XXXX and I would get back the remainder. The appraisal came in and I was sent documents saying that because the appraisal came in low I 'd have to pay PMI until I got to the 80 % threshold. I signed the paperwork and was waiting for a settlement date. I received a phone call today from their " solutions specialist " saying because my home is considered an investment property and because the appraisal came in low they would n't be able to give me a loan. They said that they would only be able to give me 75 % on the value of the home. Which would n't cover the XXXX loans I wanted to refinance. 
My problem is I thought the estimate was low balled. And after the phone call I researched Quicken loans to see if there were any complaints regarding this type practice, I found hundreds of similar complaints that after they get your money for the good faith and appraisal the value comes down lower than it should be. They compared my homes that were smaller square footage and smaller property size and I find this disingenuous. 
Also when I got the documents the appraisal came in at XXXX not the XXXX XXXX they quoted me. 
I think this is a scam. They take the money and then low ball the estimate to either keep a large chunk of the appraisal ( maybe they have appraisers that take XXXX or less. ) or they want you to pay PMI. Something is n't right. They generated paperwork like all was well with the loan. And we sent all the documents back, how can they get away with this?
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : 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 reporting 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 a reasonable cause to believe that the information is inaccurate.

Also, there are credit inquiries on my report that I dont recognize.

These inaccuracies are stopping me from getting a house and a car for my family.
Product: Credit card

Date of XXXX : XX/XX/2024, {$410.00}. I opened a dispute with Synchrony Bank for this charge multiple times and have provided uploaded supporting documentation, as well as mailed supporting documentation. I called Synchrony Bank on XX/XX/XXXX and confirmed that the mailed documentation was received, and an investigation would be conducted a temporary credit and interest would be issued to my account upon completing of the investigation. However, on XX/XX/XXXX, I received a letter advising me that the documentation had not been received, I am unsure what type of games are being played at this point, this is company is a fraud.
Product: Debt collection

I sent communications to Cavalry Portfolio Services back in XX/XX/XXXX and most recently in XX/XX/XXXX requesting that they validate a debt by sending a copy of a signed contract hey have been writing and calling me regarding. Both times Cavalry sent the same letter saying that I needed to call and discuss the matter. If Cavalry can not produced a signed contract to validate the debt, from myself, the consumer, then they MUST remove the trade line from my credit report per the Fair Credit Reporting Act. Cavalry has failed to provide me with anything to validate the debt they are alleging that I owe. I do not have a contract with Cavalry Portfolio Services and I would like them to remove the trade line from all three credit bureaus. If Cavalry is acting as third party company then they should not have a trade line listed on my credit report if the bill belongs to another company.
Product: Debt collection

This company calls my landline several time per day about what I do not know. I have put their number on a blocking list and have spam blockers on my system, but the number still gets through. I have stellar credit, have no consumer or any other kind of dept, and pay my bills. I have no idea what they are calling about and will not respond to their harrassment. Please lodge my complaint and forbid them to contact me by telephone.
Product: Student loan

I have been erroneously put on the XXXX plan, which is only applicable if you fail to recertify your XXXX plan. Income driven repayment plan recertifications have been halted as of XX/XX/year> per directive of the Department of Education. Recertifications of XXXX plans have not resumed to date. Furthermore, I never received my legal 90 day notice to recertify my income, and therefore it is impossible for me to have been placed on this plan. I would like to be placed back on my original IDR plan. This matter has a great impact on my XXXX  qualification, and legal action may be pursued.
Product: Credit card

someone opened this card in my name and i been fighting it since XXXX of last year and they refuse to close it and keep charging me when i explain its not my account and i never opened it i asked for docs but will not send me anything and im being billed for an account i never opened
Product: Credit reporting, credit repair services, or other personal consumer reports

accounts on my credit report are not mine and should be removed immediately
Product: Debt collection

Chase card services : amount of {$10000.00}. Account Number XXXX I called Chase bank after receiving my credit report by mail. I saw that their was an account with Chase card which I never opened and their was an amount to pay. I did not recognize these charges or ever having this account opened so I immediately called chase and reported this, then I got hold of all 3 credit companys and placed a fraud alert. I filled a police report in XXXXXXXX XXXX XXXX XXXX wa and also did an online Identity theft report with federal trade commission. I got emailed social security services reg my identity being used. I called Chase bank services again to get an email add were I can mail all my remaining documents, when I called I got a very rude person on the phone and who was talking very disrespectfully and did not want to seem to help at all. I finally was able to get the email and sent in required info that would be useful for them. 

XXXX XXXX XXXX XXXX XXXX loan services : amount of {$8000.00}. Account number XXXX I called XXXX after receiving my credit report and saw that their was also this account opened under my name. I was not familiar with account and never had done business with XXXX. I recvd a dispute form from them, which I filled out and sent back over along with my IDENTITY THEFT police report, my federal trade commison Identity Theft report and my dispute forms from all 3 credit company 's as well.
Product: Credit reporting or other personal consumer reports

Reporting inaccurate hard inquiries on my report without consent. I did not signed any application for an account or to obtain any product. These hard inquiries are unauthorized and invalid. They are not validated here are the inquiries, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired my credit report and asked the credit bureaus to check and make sure that everything was accurate and complete according to 15 USC 1681i ( 5 ) I have waited 30 days and received my investigation and Ive notice everything was still the same. The consumer reporting agency which is TransUnion did not remove or modify anything. 
The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on all three reports Which is a violation. This is really impacting me from buying a house for my family and a purchasing a vehicle. I am emotionally distressed, heartbroken and depressed because of this matter. Ive attached my previous credit report and my new credit report to show how transunion violated my rights.
Product: Debt collection

A freeze has been put on my XXXX  banking account. I am guessing this is from a XXXX or XXXX XXXX XXXX debt that was sold to this company. I need the frreze removes as I have no access to my funds.
Product: Checking or savings account

All kinds of scandalous XXXX going on with this nation including you and pnc bank aye? What a joke. Must be part of the XXXX breakdown y'all involved as well?
Product: Payday loan, title loan, personal loan, or advance loan

I inquired about qualifying for a loan from XXXX XXXX. After reviewing the company 's APR rates and finance charges, I decided against getting the loan. I have spoken with 7 different representatives at the company and requested them to stop calling me. They call me over 14 times per day, all hours of the day. When I answer and ask them to stop calling me they harass me and ask things like why would you want to do that. When I continue to push to stop calling me as I never took out or accepted the offer and do not wish to, they say they need to transfer me to someone else, I will sit on hold for over an hour just to get another rep that does the same thing. I have tried blocking the phone number and they continue to call me from various different phone numbers. I would like this company to quit contacting me as at this point it is harassment.
Product: Bank account or service

Citibank ran a promotion XXXX promising XXXX XXXX XXXX points to consumers who signed up for a new Citigold bank account and followed certain steps including making bill payments and minimum purchases via debit card. The promotional code for this offer was widely available on the internet ( example link : XXXX ). I called their phone number, provided the code, and was told that I qualified for the promotional offer so I opened a bank account. I met the other requirements ( minimum spend and bill pay ) as required and proceeded to wait. After several months I inquired about my points and was told I needed to wait until 90 days after a certain date. Recently, I inquired again and was told by online chat and phone service that I qualified and would get my XXXX points. But secure messages then contradicted this. I have called multiple times and in spite of initial assurances that I qualify for the promotion and the points, supervisors later step in to say that I do not qualify because I was not properly " targeted '' for the offer ( widely available online ). I have given Citi my business and fulfilled their requirements. I want them to honor their end of the deal and give me the promotional bonus I was promised.
Product: Mortgage

Please refer to complaint XXXX SUBMITTED ON XX/XX/2022 Started the process of a loan modification recast on XXXX XXXX XXXX XXXXXXXX XXXX in XXXX with a one time payment of {$200000.00} that was posted XX/XX/2022. We were told the process of the recast would take a few months. As the process started, BSI Financial customer service including XXXX XXXX ( via secure messaging ) reached out that we needed the escrow balance to paid in full to cover for insurance and property taxes. The escrow payments were paid immediately, same day as we received notice ... and then we waited. The wait on response carried on from between XXXX then we received email notification that the documents would be sent out via XXXX  for signature to complete the recast process. We were also provided the new mortgage payment amount of {$1800.00}. We waited for documents but no documents were received. We would respond to XXXX XXXX and customer care at least once a week for a status update. As time went on, we remained patient. No response, no documents, and the email communication with XXXX XXXX was silence. As I write this on XX/XX/2022 no response, no emails, no calls from anyone from BSI financial. We do make best effort to call a few times a week, hoping to talk with XXXX XXXX, his supervisor XXXX XXXX, or their manager XXXX XXXX. XXXX XXXX was the assigned agent when we started the process in XXXX, XXXX. To this day, we have been making monthly payment in the amount of {$1800.00} but are anxious-worried about the recast not being finalized and perhaps we can help others in the same situation. Sincerely, XXXX XXXX XXXX XXXX Mobile XXXX Property Address XXXX XXXX XXXX XXXX. XXXX, XXXX  XXXX An attachment was posted on the previous complaint but we are unable to open the file. The mortgage company has not reached out or resolved the loan modification since starting the process.
Product: Debt collection

I don't recall having a contractual relationship with this collection company XXXX XXXX XXXX XXXX. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Mortgage

Something is not correct Fifth Third Bank has not computed the numbers right, in 2015 i have made all 12 Mortgage payments of {$1000.00} Plus and with each payment {$570.00} x XXXX is {$6800.00}, which the XXXX x {$570.00} going into my escrow account, fifth third is playing very hard with me and telling all you get is {$14.00} i previous had a balance left over in my escrow account of about {$1400.00} this total is was to suppose to be {$8300.00} after all payments are paid out for Disbursement, The items to be paid is my home insurance which is {$650.00}, Taxes {$4200.00}, PMI {$410.00}, and 2 months of Cushion of {$810.00}, i asked fifth third bank where is the balance of the funds in my escrow after all item have been paid and the balance should be {$2200.00} as an overage, Fifth Third Told me that i do n't have any overage in this amount only {$14.00} plus, Something is not right, can you please help me to figure out what is going on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the victim of identity theft, someone was stealing our mail from approximately XX/XX/XXXX to XX/XX/XXXX. Several inquiries and accounts were opened using my name and information. I was made aware of this because I received a call from a bank asking about a loan I had applied for, to which I replied I had never heard of the bank or ever applied for a loan, they recommended I report the fraud and check my credit report. I noticed at that time that the log in information to my XXXX XXXX account had been changed, not by me, and the thieves had changed my log in information so I was not aware of new accounts being opened in my name. 

The following accounts were not opened by me and are fraudulent, I have contacted each of them and let them know about the fraud : XXXX XXXX inquired on XX/XX/XXXX XXXXXXXX XXXXXXXX inquired on XX/XX/XXXX The following hard inquiries were not made by me : XXXX inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX inquired on XX/XX/XXXXXXXX XXXX inquired on XX/XX/XXXXXXXX XXXX  inquired on XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

RE : Complaint against Certegy , Inc. for declining a legitimate and duly verified check of XXXX  XXXX XXXX, XXXX  and other Bank for a small amount of {$6.00}. ( In spite of having sufficient balance in the checking accounts. 

Esteemed Mam/Sir, On XXXX, 2021 at XXXX XXXX  I went to buy groceries a the local XXXX XXXX store ( Store # XXXX ) XXXX XXXX XXXX, XXXX, NC. My bills was for {$6.00} cents and I did use my credit card and instead wanted to make payment from checking account by presenting a check for groceries payments. 

My check was declined by the XXXX store cashiering machine saying that Certegy Check Services, NC identified my check as invalid and fake and refused so accept as a mode of payment for my groceries. 

Being a public holiday I had to call certifying and it took me an hour to finally reach a customer service representative. Despite giving all needed information and my drivers licensees numbers, social security numbers and personally identifiable information both on the automated system as well with the customer service representative, they refused to accept my legitimate XXXX  XXXX XXXX, XXXX check. 

I tired to use my another bank account and that too was declined in the similar fashion. This happened despite both my accounts having adequate money and despite showing the account balance on the banks mobile apps. 
In view of this Certegy, Inc not providing no explanation for the reason of decline of my legitimate bank issued check, and deliberate harassment and, discriminative attitude in decaling a legitimate bank issued check, a strict actions should be taken otherwise these companies will continue to harass and discriminate against older citizens without any reasons.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
I have had [ 2 ] fraud events traced back to Equifax data breach ; both handled by my credit union 's fraud department Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with.
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected. ''
Product: Prepaid card

I have an American Express Prepaid e-gift card with a {$1000.00} balance. I attempted to use the prepaid card at the XXXX XXXX today on a split payment purchase, and the American Express card was declined for a {$1000.00} charge. The store employee tried multiple times, and even tried a {$990.00} charge which was also declined. 

I called the number on the back of my card and it confirmed I have {$1000.00} active balance to spend, but there was no option to speak to a representative to find out why the charge was declined. I tried calling 3 more times to see if different menu options would allow me to speak to a representative but the system only has pre-recorded prompts and eventually hung up on me. 

American Express Prepaid does not appear to have any way for me to resolve this issue or to use my card for the full available balance.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding the inaccurate and inconsistent reporting of my XXXX Bank account, on my credit report. I have identified multiple discrepancies across the credit bureaus that violate XXXX XXXX compliance standards, and I am requesting an immediate correction of this accounts payment status to reflect accurate, positive standing. XXXX.Inconsistent Payment Status : Equifax reports this account as Pays account as agreed, XXXX as Paid or paying as agreed, and XXXX as Current account/was 30 days past due date. This variation in payment status is inaccurate and does not align with the standards for uniform reporting under XXXX XXXX compliance. 2.Discrepancy in Worst Delinquency Status : Equifax and XXXX report 30 days past due as the worst delinquency, while XXXX shows None Reported. This inconsistency in the delinquency record suggests errors in data reporting, especially as the account is now in good standing. 3. Erroneous 2-Year Payment History : The 2-year payment history displays conflicting information, with some bureaus marking a 30-day late payment in XX/XX/year>, despite my current positive payment record. Such discrepancies compromise the integrity of the data and violate XXXX XXXX standards for consistency and accuracy.
Product: Credit card

On XX/XX/year> I had a charge on my XXXX card for {$2300.00} from XXXX XXXX XXXX. When I stayed in the hotel with my husband he had an accident due to negligence by the hotel. The hotel has an unusual amount of condensation and because of wet floors and stairs my husband fell down the stairs and sprained his ankle on the second day we were there. I asked the hotel for the video and they refused to release it. The hotel did nothing to aid my husband and for the rest of our vacation he was unable to walk around freely and we had to cancel all of our activities. I disputed the charge with chase XXXX and got a very abusive response. They had terrible service telling me from the start they dont think they can help. chase makes it difficult to talk to management and by having only a telephone number makes it impossible to talk to anyone. When I called I had to spend hours waiting to talk. Chase doesnt offer email communication or chats. When I never heard from them I called again a few months later to find the results and they informed me on the phone it was denied. Chase never send me a written response until I asked for it. I disputed again and now we needed to go into arbitration but chase never asked me for my side or any new information. I was not involved in the arbitration which I find unacceptable. Chase said they represented me in the arbitration but when I asked for the legal notes with names of the lawyers and arbitrator they never send me that information. Chase is my CC company and they never were on my side. Chase didnt do their fiduciary responsibilities to protect ME the consumer. All I see is XXXX huge corporations getting together to squash a consumer rights.
Product: Checking or savings account

I opened a new account onXX/XX/2021. this was part of a citibank promo with a bonus to be paid out in 90 days after all qualifying activities were completed. so if I count 150 days from XX/XX/XXXX, the date is XX/XX/XXXX. today, is XX/XX/XXXX, and I have seen nothing. 
I have called Repeatedly to Citi customer service, escalated to the XXXX XXXX, CA brand managers and keep getting apologies about the delay and promises that it will be done in a day or two. during my XXXX call, I was assured no later than XX/XX/XXXX, and when I called last week, I was told no later than yesterday. There are several emails that been unanswered by Citibbank. 
i now need to escalate to you and Citi management to get this resolved as soon as possible. Clearly, this is false and misleading advertising.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 i noticed accounts on my report that didnt belong to me. I immediately sent in a dispute to XXXX Transunion & XXXX. 

I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today is XXXX/XXXX/202 and I still havent heard back from these companies.