23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I applied for, and received, a Citi XXXX XXXX AAdvantage credit card earlier this year for use while traveling in XXXX from XXXX. I was fully aware at this time of a high interest rate ( 29.99 % ). The card was approved with a {$10000.00} credit line. I used this card primarily to earn airline miles. Twice during the XXXX, I moved most of the balance to a lower-interest card already in my possession. My intent was always to try to negotiate a lower interest rate with Citi upon my return home, with a demonstrated track record of on time payments. My payments were close to the minimum payment while traveling merely to preserve cash for use on my trip. 

This past week I contacted Citi first by chat and then by telephone to try to negotiate a lower rate. AT NO TIME DID I TELL OR WOULD HAVE TOLD CITI I WAS EXPERIENCING FINANCIAL HARDSHIP. The responses I received twice were that " there is no lower rate available for this product. '' I was not happy and I ended the second call having expressed that sentiment. 

Today, out of the blue, I received an email from Citi telling me that based on a review of my credit history with XXXX that they lowered my credit limit to slightly above my balance. Within the past month I have received two credit limit increases on other cards and my income increased this year. I reviewed my own XXXX report and there is absolutely nothing that should have triggered an automatic credit line decrease. Citi makes it clear in their email that they will not provide further information. 

Given the facts I have stated above, I believe this decision was punitive and based solely on my request for an interest rate decrease. I don't particularly care the limit on my ability to use the card : I had already decided to make it a priority to pay off my residual balance from travel and stop using the card based on their refusal to negotiate the interest rate. It is punitive because it is solely intended to cause a drop in my credit score by negatively altering my debt-to-income ratio. 

Citi is engaging in predatory lending and account review practices and I believe it is high time for this agency and any other relevant agencies to take action. They will not hurt me significantly for now since I have no intention of seeking credit for major purchases or additional travel. I had no intention of publicly complaining about them until they retaliated against me but I will complain loudly and frequently to anyone willing to listen. 

I am attaching the letter I received today and note that the credit line decrease is reflected in my online account. I do not have transcripts of the phone conversations or chat interaction. In both cases, I asked Citi to document my displeasure, but have no idea that they actually complied.
Product: Credit card

I RECEIVED A LETTER FROM AMEX DATED XXXX/XXXX/2016 ADVISING ME THAT A 3RD PARTY AMEX USED CHANGED MY SSN WITHOUT CONTACT INGTING ME AT ALL? HOW CAN A 3RD PARTY LIKE XXXX BE AUTHORIZED TO CHANGE A SSN WITHOUT THE PARTY 'S KNOWLEDGE, AND ON TOP OF THAT THEY GAVE AMEX A WRONG SSN??
Product: Credit card or prepaid card

My credit card bill was paid on time but paid twice in the amount of {$1100.00} x 2. My bank reversed the duplicate payment, because the credit card company refused to refund the overpayment. Now, the credit card company has issued a {$35.00} charge as a Returned Payment Fee. I did not expect to have to fight to get my money back, and I certainly didnt expect to be charged for it. My bank is also looking into the matter, but there has been no resolution to date.
Product: Credit reporting or other personal consumer reports

Mortgage reported late on XX/XX/year> I made the payment before the last day of the month, however Freedom is stating that the payment was processed after XX/XX/XXXX. 

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 p 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ). It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166b a creditor may not treat a late payment on a credit account under an open end consumer credit plan as late.
Product: Credit reporting or other personal consumer reports

I expressed errors on my credit report and fraudulent accounts and they automatically denied my claims and did not allow me to reassert the dispute of these fraudulent accounts.
Product: Credit card or prepaid card

Wells Fargo advertised confusing covid19 forbearance. Was taken off forbearance early, and with no notice. Resulted in a late payment being reported 30 days late as I was unaware payment was due. When I complained to executive office, XXXX XXXX responded by saying Wells Fargo wouldn't help me remove the late payment, and would in fact add a second late payment. This felt like extortion. The card was secured. Why wasn't the account closed if I fell behind? I also requested information about any federal agencies Wells Fargo reports to to file a complaint, but they refused to disclose who they report to.
Product: Debt collection

XX/XX/year> called and stated I owed them a balance and I asked who was they collecting the debt for because of their company and never done business with them.Stated they was collecting for XXXX XXXX and I stated I would reach out to XXXX personally due to I have service with them before.I called XXXX and they stated I didn't have a balance showing with them.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Bank of America Potential FCRA Violations, Securitization Issues, and Double Reporting Practices Details of Complaint : This complaint is being filed against Bank of America for the following violations related to the reporting of a charged-off account : 1. Failure to Provide Validation : Bank of America has failed to provide sufficient validation of the alleged debt despite multiple disputes. Specifically, they have not shown proper documentation proving their continued ownership of the debt or the authority to report it as a charge-off.

2. Securitization of Debt : Upon reviewing Bank of Americas SEC 10-K filings, it is evident that the institution securitizes its debts into trusts post-charge-off. If this specific debt was securitized, Bank of America no longer owns the debt, raising serious concerns about their right to report it.

3. Improper Reporting Practices : Despite charging off the account, Bank of America continues to report it to credit bureaus, including XXXX and XXXX, without addressing or verifying disputes properly. The reporting remains inaccurate and misleading, in violation of the Fair Credit Reporting Act ( FCRA ). 
4. Lack of Transparency in Collection Activity : There is no evidence of clear communication with the consumer regarding the status of the debt post-charge-off. Furthermore, there is no indication that Bank of America followed proper notification practices under applicable debt collection laws.

5. Potential Double-Dipping : An IRS Form 3949-A has been filed, as there is a potential concern that Bank of America may have already recovered the debt through securitization and is still reporting or attempting to collect on it. This warrants further investigation.
Product: Credit card or prepaid card

I have lost my credit card. My account has been under complete fraud for high amounts more than the credit limit. I have been customer from past 5yrs with Bank of America. I have opened claim in XXXX and they have opened claim wrong way saying I possess the card. I have reopened the claim and it is still under investigation. 

During this time, i have deferred the payments as interest has been added and as i have been effected financially due to covid. i have deferral requests have been approved from XXXX. All of sudden in this month my account has been closed sayin

g its past due from3 months as the deferral requests have been re-initiated. This has been effecting my credit history a lot. every day i call customer service, i have to explain whole of this story an di have been on longwaits. Every one says claim has been escalated and
they are not giving a resolution.

Customer service said they have reported to credit bureaus about deferral requests saying they are correct and asked to re-open my account and still nothing is solved.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) Due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

XXXX XXXX, 2016, we had a wire of XXXX from XXXX XXXX to our Chase bank account. Besides XXXX dollars international wire service fee on service list, the fund was deducted XXXX dollars before came in our account. We want to know who took this XXXX dollars? We tried to contact Chase local branch, they transfer us to their executive office, however no one answers this question.
Product: Debt collection

I have told the company to stop calling me & not to call me at work. They repeatedly call my cell phone and have called my work on several occasions. Some of the medical bills in question are over 10 years old.
Product: Money transfer, virtual currency, or money service

I used PayPal credit to try to send {$5000.00} to a friend. The friend received the notification that PayPal would not release the funds, which defeats the purpose of me sending the money. PayPal refuses to return the funds to me and is charging me interest for the credit transaction, which seems fraudulent. They have also restricted my account and will not let me log in. I spent nearly two hours with multiple representatives in their Disputes and Claims and Limitations departments to no avail. This experience has caused extreme duress and health issues.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the Third time addressing this TX address that is not mine. It had already been deleted then is Showed Up Again on an updated report. I am providing a current report that I have ( however I don't think it is accurate with regards to addresses that Equifax has for me. I have moved thus I am providing two utility bills to show those addresses and my government ID. I have already provided these to you. I am also providing the other complaint detail and the Proof that the TX address has Already been Deleted. I do not have any other utility bill or something else to reflect my Current address of which Is Not Florida. I urge you to update your processes to not have people continually have to repeat the same mess.
Product: Credit reporting or other personal consumer reports

The FCRA is non negotiable, you do not get to pick and choose which accounts you get to delete. The FCRA mandates that all information on my credit report must be accurate verifiable. Therefore this account for XXXX XXXX XXXX must be deleted immediately.
Product: Mortgage

I paid the 2nd installment of my XX/XX/XXXX-XX/XX/XXXX property tax in the amount of {$2700.00} in XX/XX/XXXX. I did it so I can claim it as an itemized deduction on my XX/XX/XXXX Income tax return. If I did not pay it, the mortgage company will have to pay it because there is an escrow account in my mortgage to pay the property tax. The mortgage company admitted there was an excess in their escrow account and mailed me a check for {$1000.00}. This is {$1600.00} short. There is no reason for the mortgage company to hold on to this {$1600.00} shortage.I want all my money back.
Product: Debt collection

I have tried on numerous occasion to speak with company in regards to having debt removed from credit report but nothing has been done. Account is apart of bankruptcy and should be removed.
Product: Mortgage

Subject : Complaint Against Freedom Mortgage for Withholding Insurance Disbursement Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Freedom Mortgage for holding onto my home insurance disbursement and forcing me to complete repairs before releasing the funds. It has been over two months since they received the insurance payment, and they continue to claim that my home is not completely repaired based on inspection they commissioned who was instructed to only check a portion of the repairs. This is despite the fact that the funds should be released directly if the amount is under {$40000.00}. 

My home was severely damaged by Hurricane Ian, and a public adjuster estimated the repair costs to be {$220000.00}. The insurance company, UPC, paid only {$30000.00}, which significantly undervalues the damages. I have already spent {$100000.00} on repairs and have provided proof, including before and after photos, material receipts, contractor invoices, and lien releases. 

Freedom Mortgage initially informed me that they would endorse the insurance check and return it within a week, as the amount was under {$40000.00}. However, after receiving the check, they claimed that my loan was not current at the date of loss, and the limit changed to {$20000.00}. This is not true, as my loan was never late, and I requested and was approved to Loss Mitigation the day after the hurricane. This can be verified through my credit report, which shows no late payments on any account. 

Since the limit was reduced to {$20000.00}, Freedom Mortgage required an inspection verifying the percentage of work completed and a waiver of lien/sworn statement from the contractors. The change in requirements after receiving the check is highly suspicious, but I had no choice but to comply. 

Despite explaining my situation through multiple calls and emails, Freedom Mortgage insisted on an inspection that takes weeks to be done. The inspector assessed only part of the repairs and submitted a report claiming only 56 % of the work was completed, without providing any justification. 

While waiting for the inspection, I received a check from Freedom Mortgage for {$7500.00} without reasonable explanation. 

I have been forced to provide proof that the work was completed, including documentation of all repairs, photos, contractor invoices, and lien releases. Even if the work was not done, this is abusive, as they are forcing me to pay for repairs that cost more than estimated before disbursing insurance payments. 
I have submitted all the requested documents and they have accepted and finally submitted another payment of {$9400.00}, which Im yet to receive, totaling 56 % or the amount paid by the insurance. 

Freedom Mortgage has held the insurance funds for months without reasonable justification. I never chose them as my mortgage company, as they purchased my loan from another company. I am now stuck in a difficult situation, hoping for additional state funds to cover repair costs that the bankrupted insurance company didnt pay knowing Ill have the same problem when the checks need to be endorsed by Freedom Mortgage again.
Product: Mortgage

I had XXXX mortgages transfered from one servicing company to another. They were transferred from XXXX to DiTech on XXXX XXXX 2016. Upon transfer ( for both mortgages ) the very first statement I received from Ditech showed a past due amount for my XX/XX/XXXX payment. My XX/XX/XXXX payment was clearly made to XXXX. When I called DiTech and pointed out that the very first statement they sent me showed two months owed they said they had not received the appropriate documents from XXXX to credit my XX/XX/XXXX payment. It is the legal responsibility of servicers who transfer a mortgage to send this information. It is also an obligation of the servicer who receives a mortgage to have accurate statements BEFORE demanding funds, charging late fees, and in this case referring the payment to a credit collector.
Product: Credit reporting or other personal consumer reports

XXXX XXXX electronically got my info ( DOB, SSN, address, name, etc. ) from a third party and opened a credit account without my consent, authority, agreement, or wet ink signature. XXXX XXXX admits to having no physical or electronic signature and admits that is only their " belief '' that the account was created by me. XXXX XXXX has not and can not provide any physical proof that I created the credit account as I have requested the physical proof for over 6 months now. Yet having no proof or authority, XXXX XXXX continues to publish derogatory comments on my credit report without any enforceable instrument to do so. My consumer rights are protected as The XXXX states ( a ) A person is not liable on an instrument unless ( i ) the person signed the instrument, or ( ii ) the person is represented by an agent or representative who signed the instrument and the signature is binding on the represented person under Section 3-402. The UCC requires that any contract for the sale of goods that is worth {$500.00} or more must be in writing and signed by the person the contract is being enforced against. Under UCC Section 3-401 ( a ) If the party does not sign, the party can not be held liable. XXXX XXXX need remove all attempts to collect and stop publishing this account with derogatory marks on my credit report. Furthermore I want a forensic audit of the entire accout showing XXXX XXXX is not attempting to collect on an account that is already paid & written off.
Product: Credit reporting or other personal consumer reports

I submitted a dispute online with Equifax on XX/XX/year> regarding my name being listed as XXXX XXXX XXXX. I provided an attachment of my drivers license and social Security card showing that my name is XXXX XXXX XXXX ( not XXXX ), yet they still updated my report with this misinformation. I have not been able to obtain the information from whatever reporting agency this misinformation was obtained. It does not matter where Equifax got this bogus name, for it is not my last name, nor have I ever had the last name of XXXX. Obviously, this is a typo that Equifax refuses to remedy.
Product: Vehicle loan or lease

On XXXX XXXX 2019 I co-signed on a car loan for my son. I am a XXXX  and already had two other car loans and honestly didn't think they would allow my info. to be used based on already low credit and obligations, but somehow they did. I should have known it would have turned into the nightmare it has. He has defaulted, had a major accident and total loss of vehicle. Aside from that, I want to be released off the loan for the following reasons which I have already tried to address : There was a Multi-state judgement against Santander Consumer USA Inc., which Chrysler Capital is under license with and tried to reach out to Santander, Chrysler Capital, XXXX XXXX, and the XXXX XXXX XXXX XXXX for help for clarification about status of where I would fit into this class action suit as I clearly ( possibly my son ) fit into the stipulations as a party defendant. I have not heard anything, but instead get upwards of 8 phone calls a day from Chrysler Capital and hits on my credit report constantly due to this defaulted loan. I would simply like to be released as a co-signer on the loan as this loan was upside down from the beginning and fits all definitions of a predatory loan.
Product: Credit reporting

Equifax continues to report information on my credit report that does not belong to me. My report number is XXXX. 
The bankruptcy filings listed are not mine. I will need proof that it does not belong to someone with a same/similar name or the signed papers since I am not a party to this. 
I am asking for the method of verification under FCRA Section 611 ( a ) ( 7 ). The federal Fair Credit Reporting Act states that I may request a description of how Equifax verified the information, including the business name and address contacted and the telephone number if reasonably available. 
I intend to sue for willful non-compliance under FCRA 616 if this dispute is not researched and the requested documentation furnished. 

I am requesting that these entries be investigated and removed. 

Thank you.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$980.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.