23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

FDIC Complaint # XXXX XXXX Situation I had a credit card with a credit limit of {$18000.00}. The XXXX credit card statement confirms it. 
My wife went to use her authorized card for around {$200.00}. The card was declined. 

I called PNC Bank and was informed that it was decline because I was over the allowed credit limit. 

I hung up from the representative to verify if there was fraud or something happened that I was unaware of. Everything was in order. So I called PNC Bank again. 

The second bank representative informed me that the card credit limit was reduced to {$10000.00}. I inquired as the reason. I was informed that it was reduced based information on my XXXX credit report. 

I went and downloaded my XXXX credit report to see what changed. There was no derogatory information, my credit score was XXXX. 

I called PNC Bank again. I informed the representative that I needed to speak to someone who can tell me what the reasons were, that I checked my credit report and nothing has changed. 

I was hung up on. I called back and went through the scenario with another customer service representative. That representative said I would receive a letter, but it was per information on my credit report. I said that I reviewed my report and nothing changed and there was nothing derogatory added to my report. I refused to accept the response and requested a supervisor to review and give me specific feedback. 

The supervisor informed me of ( 3 ) reasons ( 1 ) The amount of debt with PNC ( 2 ) that I was making minimum payments and by making minimum payments, it would take me too long to get it paid off.

( 3 ) the debt ratio I replied that nothing changed, regarding the available credit that PNC authorized me.

I typically pay more than the minimum, especially the PNC card, except once. 

I did not open any new credit accounts to change my obligations. 

I informed them that I was going to report this to the banking review commission.

I Received a phone call from XXXX in their corporate office on XX/XX/24. XXXX inquiring what had happened. I conveyed the information. I provided the information that also their bank representative at the XXXX Florida branch made the suggestion and recommendation that I consolidate my credit cards and do a debt consolidation loan with PNC. It appeared to make sense since it was saving me a few interest points. I did not have to do a debt consolidation on the credit cards. Never even once was I informed that when I did this consolidation loan, I would have too much debt with PNC and my available credit limit would be reduced. 
She said she understands my position and there wasn't anything she could do right away. she said they would call me back at the latest XX/XX/24 With PNC lowering their documented available credit limit by 46 % and now showing me as maxing out that credit card it was going to have an undeserved negative impact to my credit report. 

The fact that I was given no warning of what PNC was planning. I had no opportunity to prevent it. I would have reduced the debt with PNC. 
This totally an unfair action by PNC Bank.
Product: Checking or savings account

XXXX XXXX Bank of America arbitrarily started charging monthly account maintenance fee from XX/XX/2021. There was no balance changes between XX/XX/2021 and XX/XX/2021. Statement copies attached XXXX XXXX Bank of America claims I never had a debit card. Debit card picture attached
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. 

XXXX XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX {$2400.00} XXXX XXXX {$280.00} XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX {$0.00}
Product: Mortgage

I have sent a payment of {$1000.00} on XX/XX/XXXX towards my mortgage principal via a 3 day wire transfer from my XXXX  XXXX XXXX account. My mortgage company is NewRez LLC. The payment was estimated to be received on XX/XX/XXXX. I have a confirmation from XXXX  XXXX XXXX that the payment was successfully transferred. I have also contacted NewRez several times and sent them the screenshot of my wire transfer confirmation twice. However they have no clue what is going on in their system and have not provided any satisfactory answer as of today XX/XX/XXXX. I have also confirmed and re-confirmed the wire transfer information to make sure the account numbers are correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid for services but after a few short months I realized that I was not getting what I was promised, results.
Product: Debt collection

I viewed my credit file and found an account from a company I have never heard of. Convergent Outsourcing. I have never applied for credit with this company and do not know who they are. I understand they are supposed to send me written notification if they legally intend to credit report in my name. They failed. I have since written them requesting validation of this account, again, they have sent me nothing, failing in their obligations. I am appalled at their lack of communication. I am desperately trying to find someone to help me, as a consumer, it should not be this difficult to obtain information from someone reporting information about me. I have read the the FCRA and FDCPA were written to protect me from this exact thing. I have also read that ONLY YOU CAN HELP ME!
Product: Credit card or prepaid card

Best Buy Citibank I went to BestBuy to buy an XXXX XXXX. I have XXXX credit score and only qualified for a gold card which is a sub-level card for credit deficient account holders, upon applying for the Department card I was told since my credit history is so poor that I only qualify for the gold card which means I have to pay for monthly financing and a {$59.00} annual membership fee instead of getting 0 % for the first 12 months. This was a deal-breaker I went home to call Citibank to find out why and was told that only because of my name and address was I denied the top-tier level because if it was only for my credit then i would qualify for the highest level. Citibank laughed at my frustration. The supervisor/manager literally laughed at me.
Product: Student loan

My student loans at Mohela are currently in paid ahead status until XXXX  2024. Because of this, I suspended my monthly auto debit payments for XXXX 2024 by calling Mohela directly . The XXXX payment was never taken out. However, the XXXX payment of {$230.00} was debited from my account on XX/XX/XXXX, despite being told by a Mohela rep that that would not happen. I contacted Mohela about getting a refund on XX/XX/XXXX, but never got a response. I tried contacting them again on XX/XX/XXXX after giving them several weeks to respond, and sat on hold for XXXX hours, despite not calling during peak hours. This is my regular experience with Mohela. Extremely long holds just for mediocre service. You even have to click through multiple prompts ( about XXXX minutes worth ) just to get in line for a live human. As soon as someone finally took me off hold, their call center closed and the call was dropped. Can you please help me get this refund and urge Mohela to hire more reps for their call centers? Going through this on a regular basis with them is extremely demoralizing.
Product: Credit reporting or other personal consumer reports

I am writing to request comprehensive documentation regarding the legal or equitable chose in action pertaining to XXXX XXXX for the inaccurate account information for XXXX XXXX XXXX XXXX showing on the credit file with Equifax. In order to facilitate efficient proceedings and ensure all relevant information is accounted within the credit report for, we kindly request the following documentation : Copies of any contracts, agreements, or instruments related to the chose in action. Detailed records of any transactions, exchanges, or transfers involving the chose in action, including dates, parties involved, and transactions specifics. Information on any legal actions, claims, or disputes associated with the chose in action, including court filings, judgements, and settlements. Pertinent correspondence, communications, or notices related to the chose in action. Any other documents or records that provide insights into the nature, ownership, or status of the chose in action.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three Credit Reporting Agencies XXXX XXXX XXXX Experian Today lowered my FICO score by 35 to 45 points With no late payments, irregular activities, enquiries, or debt to income increse utilization. 

I belive this could be Senior discrimination Please investigate and revert Thank you XXXX XXXX XXXX SS # XXXX Address XXXX XXXX XXXX XXXX F XXXX XXXX Ca XXXX XXXX XXXX DOB XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$4000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with AC
CT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX/XXXX  XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE ARE THREE COLLECTIONS ON MY CREDIT REPORT XXXX XXXX  XXXX {$100.00} XXXX XXXX XXXX XXXX {$480.00} XXXX XXXX  XXXX {$610.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX Transunion continue to report wrong personal information, I have sent certified letters to all XXXX to correct and provide investigation. All XXXX XXXX  XXXX and transunion are reporting different information.
Product: Debt collection

CRA VIOLATION / NO KNOWLEDGE OF THE FRAUDULENT ACCOUNT / TOO MANY INQUIRIES NOT AUTHORIZED BY ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and i purchased a home in XX/XX/XXXX. Our mortgage was sold to XXXX XXXX and the 1st payment was due in XX/XX/XXXX. We set the payment up on XXXX online and figured all was ok. I received a call 3 months later stating that we are 3 months behind on our mortgage and owe a balance of over 9k. I immediately paid this over the phone and asked why the online payments never came out and why is this the first i'm hearing of this?. The representative said we never set it up. NOT true. I never received a call, email, letter, nothing trying to retrieve the payment until the call i got 3 months later! if you look at our credit, in the 54 years of us being married, never have we ever ever missed 1 mortgage payment. ever and we can not get them to reverse it so now our credit is showing 3 late payments and this is hurting our credit. i want to lodge a complaint to all 3 credit bureaus and XXXX XXXX. This is very unfair to us. we are senior citizens and do not deserve to be penalized for their error. Please try to help us and go after XXXX XXXX to correct this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights.

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
Product: Credit reporting or other personal consumer reports

hello back on XX/XX/23 a letter was sent to equifax disputing some information reporting to my credit that is not accurate. I have also not received any correspondance on them processing my request. I wish to have my voice heard please adv them that they are required to.
Product: Credit reporting or other personal consumer reports

Recent reports from the Consumer Financial Protection Bureau ( CFPB ) indicate that Equifax has failed to properly investigate consumer disputes. A lawsuit has even been filed against Equifax for violating consumer protection laws by not complying with the Fair Credit Reporting Act ( FCRA ). 

Under federal law ( 15 U.S.C. 1681i ), Equifax is required to thoroughly reinvestigate disputed items within 30 days and remove any information that is inaccurate, incomplete, or unverifiable. Ignoring this obligation is a direct violation of my rights. 

I am disputing the following negative items, which I strongly believe may be linked to a data breach : XXXX XXXX - XXXX - {$530.00} XXXX XXXX XXXX - XXXX - {$2100.00} I have already provided supporting documentation multiple times, yet these errors persist. The lack of corrective action has caused me financial harm and unnecessary distress. 

I have a legal right to an accurate credit report, and I expect these items to be properly investigated and removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX XXXX XXXX account just showed up on my credit report and does not belong to me. I have included the fraud report as well. Please remove this asap. 

XXXXXXXX XXXX XXXX XXXX XXXX Report Date : XX/XX/XXXX Account Number XXXX XXXX  Date Opened XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$460.00} ; XXXX XXXX Balance : {$10000.00} ; XXXX XXXX  XXXX XXXX XXXX Balance XXXX {$9300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$3800.00} ; P. O. XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts 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 creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy w
hich Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please CORRECT the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I am writing to file a formal complaint against Chase Mortgage regarding their refusal to provide manual underwriting for FHA mortgage loans, specifically under the bankruptcy rule of less than 2 years but greater than 1 year. Despite my eligibility under the Federal Housing Administration ( FHA ) guidelines, Chase Mortgage has stated that they do not offer manual underwriting for such cases. 

As a responsible borrower who has taken necessary steps to recover financially after a bankruptcy, I have relied on the FHA 's favorable guidelines to secure a mortgage loan. According to FHA guidelines, borrowers who have experienced a bankruptcy but have demonstrated financial responsibility for at least one year after the bankruptcy discharge should be eligible for manual underwriting. This provision allows borrowers to present their case for loan approval based on their current financial standing, rather than solely relying on their credit score or traditional underwriting. 

However, despite meeting the required criteria, Chase Mortgage has refused to consider my application for manual underwriting under this rule. Their refusal indicates a departure from FHA guidelines and shows a lack of commitment to providing fair and inclusive access to mortgage financing. 

I believe that Chase Mortgage 's failure to offer manual underwriting for FHA mortgage loans under this specific bankruptcy provision is discriminatory and may potentially infringe upon the principles of equal opportunity and fair lending. By denying qualified applicants an opportunity to present their case through manual underwriting, Chase Mortgage is hindering their access to homeownership and contributing to further financial exclusion. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against Chase Mortgage if found in violation of FHA guidelines or engaging in unfair lending practices. Furthermore, I urge you to ensure that Chase Mortgage reviews its policies and procedures to align with FHA guidelines, guaranteeing fair treatment and equal opportunity for borrowers recovering from bankruptcy. 

If there is any additional information needed to assist with the investigation, I am more than willing to provide any necessary documentation or details to support my case. I trust the Consumer Financial Protection Bureau 's commitment to consumer protection and fair lending and request your prompt attention to this matter. 

Thank you for your attention to this complaint, and I look forward to a resolution that promotes fair lending practices within the mortgage industry.
Product: Credit reporting or other personal consumer reports

I checked my Transunion, XXXX, and XXXX consumer reports and noticed an ongoing issue with XXXX XXXX XXXX XXXX conflicting furnishing of {$450.00} as derogatory but also considered a " charge-off/written off as bad debt '', while I've also being sent emails of monthly balances owed treating the account as open. XXXX XXXX XXXX XXXX is in direct violation of section 607 ( b ) of FCRA, " consumer reporting agencies shall follow reasonable procedures to assure maximum possible accuracy of the XXXX XXXX XXXX XXXX XXXX is also STILL currently charging interest onto the {$450.00} and have been receiving emails of " balance due '' payments as if the account is still open. This is also a direct violation of law 15 USC 1692f 808 ( 1 ) " The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. '' and 15 USC 1692f 812 ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.