23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have been impacted by COVID due to job loss, reduction in pay initially, and loss of my job as of XXXX of 2020. 

I entered into a forbearance in XXXX of 2020. On XX/XX/XXXX, my home sustained substantial damage and loss of all personal property during the reported ice storm in Texas. My personal property was damaged significantly by a total of XXXX bursted pipes. I did have insurance and began the claims process immediately. XXXX XXXX is the primary coverage and has favorably made payments to both myself and the mortgage company ( Carrington Mortgage ) to properly repair the home. 

Carrington mortgage has delayed and denied release of funds after all proper documentation has been provided in attempts to resolve unpaid payments that are under a forbearance. 

With each step towards completion, all XXXX and receipts have been submitted and Carringtons loss draft department claims the review will be executed within 5 business days. Each time the response is that they dont have proper documentation. 

Ive had to stay on the phone multiple days and hours to guide the intake representative through email correspondences that contained the necessary information they claimed did not exist. 

Ive been out of my home for more than 6 months, whereby all could have been completed months ago with funding provided timely. 

With each delay they claim theres a 5 day turnaround, then they add additional days because they didnt find the necessary that were and proof can be provided that was already sent via email correspondence. 

It is believed that the mortgage company is attempting to reserve funds to pay the mortgage bill versus repair the home.
Product: Credit reporting or other personal consumer reports

Subject : Second Request for XXXX XXXX XXXX XXXX XXXX with 15 U.S. Code 1666b and Other FCRA Provisions I am writing to follow up on my previous letter dated [ XX/XX/XXXX ], in which I requested the correction of inaccurate information on my credit report regarding incorrectly reported late payments on my mortgage account [ XXXX XXXX XXXX XXXX XXXX XXXX ]. To date, I have not received confirmation of the correction nor observed any changes in my credit report. And also the lack of response to a letter that was sent to creditor the account, which was not answered. 


In my credit report I can see that in : [ XXXX / XXXX ] [ XXXX/ XXXX ] it reflects that I had late payments of ( XXXX ) days which is not true, in the same way I refer to the month of [ XXXX ] in no way I had a late payment of ( 120 ) days. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ).

As stated in my previous correspondence, according to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 

Moreover, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers. 

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.

The non-compliance with these regulations has resulted in the appearance of late payments on my credit report, which has adversely affected my credit score. This situation is a violation of my rights under the FCRA.

I formally request a reinvestigation of my dispute and correction of any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, personal loan, or advance loan

I showed them the bill that showed my loan/lease was paid in full. They didn't care. They put their lawyers on me to get a lot more XXXX Problem is, I don't have a legal dept... Hiring a lawyer will cost me more than settling. So I had to settle to prevent going to court and costing even more XXXX They know this. Btw, I offered to return the equipment to make them stop trying to sue me for more XXXX but they didn't want it bc they want $ and the equipment is worth nothing. They use a legal dept basically to shake you down. They know what they are doing to hurt you. This is not a business offering a service and simply wanting to be paid ( like a restaurant or Drs office ), this is a business set up to get as much $ from you as possible without offering a reasonable service.
Product: Credit card or prepaid card

This complaint is what I consider to be a 'follow up ' to a complaint I previously submitted and it is regarding the " Price Rewind '' benefit for XXXX/Citi Visa cardholders. 

Basically, if I find a lower price on something that I purchased with my XXXX Visa card, Citi will refund me the difference. Of course, there are a number of exclusions but I am mainly concerned with this one :  " The lower-priced item is a going-out-of-business sale item or from an internet auction site. '' As I pointed out in my previous complaint, I would not expect Citi to honor a Price Rewind from an actual 'auction ' type transaction. In my case, I had purchased a computer monitor from XXXX, and later found the same exact monitor at XXXX XXXX XXXX store for {$70.00} cheaper. If you refer to the attached document for details you can see that XXXX sold at least 253 of these monitors at the fixed price of {$790.00}. 

This was not an auction. It was a simple transaction much like purchasing an item from XXXX via one of their vendors. Fixed price, full warranty, return policy, and more than one of the items. 

Citi actually did honor the two Price Rewinds, calling it a one-time courtesy but they basically blew me off and never addressed the root of my complaint - XXXX  is not just an auction site. 

Afterwards, I was given the opportunity to provide additional feedback and I later received the attached letter from Ms XXXX in response. 

In reading the letter, I felt like she never really looked at my complaint. I had clearly covered the items in her response in my complaint, yet she chose to ignore them. This is a direct quote from her letter : " Based on the underlying nature of XXXX, customers generally have to bid on products in order to purchase them. Because all of the prices on XXXX are not fixed, we do not accept the lower price. Thus, we consider XXXX and similar sites to be auction sites. '' It is my understanding that each " Price Rewind '' is actually assigned to a 'claims agent '. It would be very easy for an agent to see that buying something from an XXXX store, such as XXXX, is not an auction. I believe Citi is being disingenuous in their interpretation of their 'auction site ' exclusion to avoid having to pay out on these Price Rewind claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

A copy of the original contract or original purchase agreement that created the alleged debt. if the original contract is sent, it must include signatures for all parties. Any agreement sent must be with the original creditor and must include the original terms and conditions of the agreement that created the alleged debt, including all addendums and riders.

2. In addition, please send proof of chain of ownership of the alleged debt and include proof of assignment for each change of ownership Proof of chain of ownership must be from the original creditor to the current alleged owner without any break in the chain 3. Also include a full accounting history from the original creditor including the date and amount of each payment and the Date of First Delinquency leading to the collection status.

4 if any interest or fees have accrued or been added onto the balance, please send proof that such fees are lawful and agreed upon in the original purchase agreement.

5. Proof that you are legally allowed to collect on alleged debts in the state of YOUR STATE, including your Third-Party Debt Collection Bond 6 Also send proof that you sent the legally required notices Followed by reporting this alleged debt to any consumer icies, including copies of the original notice and Any letter tracking your firm maintains. FTC XXXX XXXX XXXX makes clear that it debt parking without # XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries on my TransUnion credit report
Product: Credit card or prepaid card

They refuse to process any of my applications either secured or not secures I want to build a relationship with them but they wont allow me send me XXXX   letters saying that I was a bad customer when I call them they wont tell me how long I have to wait its like they think Im a fraud they treat me horrible and its just horrible they recommended I apply for a secured cars with my own money so then Im Not a high risk because their not lending me anything but they decline me for that as well I dont know what else to do with this bank their so discriminating even though I never had any accounts with them Thisbe bank must be investigated I wont stop until they seek resolution because its nit fair how they behave with me their fraud department is awful their is a rude guy their XXXX
Product: Credit card

I signed up for a XXXXXX/XX/XXXXXXXX with Chase Bank on XX/XX/XXXX when booking a stay at a XXXX hotel. I signed up for the card because of a promotional offer of {$300.00} off plus XXXX bonus points. After booking and paying for the hotel as was required for the promotional offer, I did not see the {$300.00} credit on my statement. I then called Chase, and they later sent me a letter saying the promotion was not available ( this happened on XX/XX/XXXX ). I called back to ask for more information, as I signed up for the card because of the promotion. When I called the second time ( XX/XX/XXXX ), the agent told me they would be able to issue the {$300.00} credit and gave me a confirmation number of XXXX. The person who gave me the confirmation number said that the credit would take about 2 weeks to appear. After about 2 weeks, I called again because the credit still had not appeared on my account. The person I talked to when I called said that the credit should appear, but that it should appear 15 business days after 12/30 instead of two weeks. Today, XX/XX/XXXX, 15 business days have passed since XX/XX/XXXX and I called again. This time, the person said that the promotion was not available and I would not be able to receive it. When I asked for more information about why I was offered the promotion but did not receive it, they told me to call XXXX customer service. They gave me a phone number for " XXXX customer service '' : XXXX. When I called this number, the person who answered the phone was selling emergency medical devices ( not XXXX costumer service ).
Product: Vehicle loan or lease

In XXXX of XXXX, I was in need of a new vehicle. I went to The XXXX, NY in search of a new vehicle. I found a car on XXXX XXXX lot which has now changed their name. The sales guys I worked with was XXXX. As I reviewed the vehicles on the lot I came across a XXXX XXXX XXXX XXXX XXXX. This was a new vehicle that had just came on their lot and he said the price was {$10000.00} dollars. I spoken with the salesman XXXX to start the process to purchase the vehicle. due to my credit score I had to put a lot of money down. I made a {$6000.00} down payment on this vehicle and XXXX process the paperwork for me to finance of the remaining balance of {$4000.00}. I was told that my loan provider will be Santander Consumer USA. I received the vehicle and was told that the paperwork of the loan will be mailed to me because of Covid. They provided me how much I will be paying monthly and set up automatic payments from my bank until the paperwork comes in.After a few months I never received the paperwork I called the dealership and kept getting the run around. After time passedI I noticed that I was paying on the vehicle and I never received the paperwork. I called Santander Consumer USA inquiring about my loan. The representative shared that they had no record of a down payment on this loan and it was just an interest bearing loan. They mailed me the documents on file and from what I finally received in writing from them it shows the interest rate of 45 %. I have been trying to fight this matter since purchasing this vehicle. The paperwork they finally sent also shows a company name XXXX XXXX XXXX as the seller creditor who I have no idea who these people are. The number on the document provided doesnt add up nor is this my signature on this document. On my credit report my loan is now charged off with Santander Consumer USA but I never received any paperwork on the charge off. But, on the car retail installment contract XXXX XXXX XXXX is listed as the seller creditor.
Product: Credit card or prepaid card

Hello, My credit has been in good standing with several banks as I have been paying down my balances across the board and have never missed a payment. I reached out to several banks for a credit line increase and was granted them without question. One of the banks where I submitted an increase with was with Bank of America, which ultimately denied the increase request. 

I called their credit cards department and spoke with their manager for an explanation. They said primary factor for the denial was my utilization rate, which I found quite odd since I have been paying more than minimum payments across all cards which should have reduced my utilization since the last review. To add salt to the wound, they actually REDUCED my current credit limit by {$1400.00} which will effectively hurt my utilization rate even more than they claim it to be. I've never experienced or heard of such a thing. 

During my conversation with their manager, she became very demeaning and condescending with her comments. Saying that I'm very bad at managing my money based on my overall credit debt and that reducing my credit is better for me. I politely asked that they revert my limit back to what it was originally and she aggressively said that I had no chance. I then proceeded to ask if her boss or a high-level member would hear my case and she said that there's no point in talking to them and that the decision has been made. 

This was just a slap in the face to me, my family, and the effort put forth to be in a better place financially. Denying the increase is understood, but a reduction is just unheard of and not the least justifiable ( particularly since I was just increased by other banks ). To show no respect to a loyal customer left me no choice but to file this complaint. It just seemed like the right thing to do. I just don't understand how a business can operate this way. 

Thank you
Product: Credit card

I have a Walmart Credit Card through XXXX Bank. I had a credit limit of {$3100.00} and without notice I now have a credit limit of {$530.00}. I have never been late nor have I ever missed a payment. I feel I am being discriminated against because of my credit score. Just because my credit score is under XXXX does n't mean I should have my credit limit decreased. Again, I have never missed a payment nor have I been late. Something needs to be done about this. This is n't the XXXX time I 've been discriminated against XXXX Bank.
Product: Debt collection

I have made three attempts to resolve the issue with the credit bureau reporting this account as a debt collection owed. The third-party debt collector, XXXX XXXX XXXX XXXX XXXX purchased this item for less than owed. How much the collection company paid I don't know, and neither does it reflect such an amount on my report. I contacted the credit bureau in XXXX, XXXX, and XX/XX/year>. They have done nothing in response to my request to delete this item. I am exercising my rights because this is clearly a violation of the FCRA, section 609 and 611. This unfair reporting and has tarnished my credit file. Therefore, this needs to be deleted immediately. I have attached my supporting documents.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I receive an alert that a payment on an account was marked late. Having what was an active NCUA investigation on this account, I started to report this information as inaccurate on my credit file. I was able to dispute this informaion with XXXX, but interestingly, not Transunion. All of a sudden I do not have access to my Transunion credit online account as I did previously for years. What is also coincidental is that Transunion is the credit reporting file that is used by the SBA to approve Small Business Loans and my loan application is up for review to help open an Educational Consulting organization that helps underpriviledged and underserved communities. I want the CFPB to publish this description of my account on consumerfinance.gov so that others can learn from my experience and guard against blatant attacks of injustice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SIXTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite five previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

Date- XX/XX/2022 Amount- {$33000.00} Company - ALLY FINANCIAL This account is reporting inaccurate on my credit report. The date you have for this item reported as a closed account doesnt match my records. I request that you verify the information and remove this account from my credit report as soon as possible.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance in resolving an ongoing issue I have been experiencing with Equifax regarding inaccurate information on my credit report. Despite repeated efforts to address this matter directly with Equifax, the inaccuracies remain unresolved, negatively impacting my creditworthiness and financial stability. 
Background I reviewed my Equifax credit report and identified the following inaccuracies : 1. Student Loans : My credit report contains student loan accounts that are inaccurate. These loans either do not belong to me or reflect incorrect balances and/or statuses. I have contacted Equifax and provided supporting information to demonstrate the inaccuracies, yet these accounts remain on my report.

2. Hard Inquiries : Several hard inquiries are listed on my credit report that I did not authorize. These unauthorized inquiries have negatively affected my credit score. I have repeatedly disputed these inquiries with XXXX, but no corrective action has been taken. Steps Taken I have made multiple attempts to resolve this matter directly with Equifax, including : Submitting formal disputes through their online dispute portal and via certified mail. Providing documentation to support my claims, including identification, proof of address, and records ver
ifying the inaccuracies. 
Following up with Equifax customer service to check the status of my disputes.

Despite these efforts, Equifax has either failed to correct the inaccuracies or has provided unsatisfactory responses.

Impact The presence of inaccurate student loans and unauthorized hard inquiries on my credit report has resulted in the following consequences : Lowered credit score, which affects my ability to obtain credit on favorable terms.

Emotional distress caused by the lack of resolution and the time-consuming nature of disputing these inaccuracies.

Potential loss of financial opportunities, including credit approvals and favorable interest rates.

Request for CFPB Assistance I am requesting that the Consumer Financial Protection Bureau intervene to ensure Equifax complies with its obligations under the Fair Credit Reporting Act ( FCRA ). Specifically, I ask for the following : 1. A thorough investigation into the inaccurate student loan accounts and unauthorized hard inquiries.

2. Immediate removal of the inaccuracies from my credit report.

3. Assurance that Equifax updates its procedures to prevent similar issues in the future.

Conclusion I trust that the CFPB will take this matter seriously and hold Equifax accountable for its obligations under the FCRA. Please do not hesitate to contact me if a
dditional information is required.

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX. XXXX
Product: Credit reporting or other personal consumer reports

I was looking over my credit report and I realize I had damages on my credit report. According to the 15 USC 1681 law there should not any damages on my credit report it is defamation to my character.