23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I've had my TJX REWARD card for many years & have used it responsibly. Furthermore, I've never missed or had a late payment. Recently I had my credit limit arbitrarily decreased by a substantial amount ( {$1300.00} ). I had a credit limit of {$1500.00} and now it's {$110.00}. I called the issuer of the credit card, Synchrony Bank & inquired why was my credit limit decreased even though I have an excellent history with the credit card. Furthermore, I advised Synchrony Bank that their action of decreasing my credit limit reduced my credit score by more than 20 points. I was advised that I would get a response addressing my concern but as of todays date no one has contacted me. I have difficulty how creditors treat their customers, on 1 hand they want responsible individuals that pay on time but ON THE OTHER HAND if the consumer doesn't use their card on a regular basis and remain in debt and often have difficulties meeting there financial obligation, those individuals are shielded from arbitrary actions taken on their account. Synchrony Bank DECISION has had a negative impact on my credit score, credit worthiness, & access to future credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 Credit Bureaus after I purchased a credit report with XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE item on my personal profile, I noticed that there was a incorrect payment history in this Account : XXXX XXXX XXXXXXXX XXXX Late Dates : XX/XX/XXXX, XX/XX/XXXX, XXXX on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/XXXX. I believe they have failed to authenticate these account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX and hoping that this XXXXXXXX XXXX XXXX XXXXXXXX Late Dates : XX/XX/XXXX, XX/XX/XXXX, XXXX days late will be removed.
Product: Credit reporting or other personal consumer reports

Credit Karma used my credit apply for a loan that I did not approve on XX/XX/2024 with XXXX, I have never even heard of this company before. This is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted complaints regarding CapitalOne and Master Card. My credit score was up until today XXXX now without notice or fault of my own my credit score decreased XXXX points as of today XX/XX/2018. XXXX  and XXXX   report this decrease I feel this is in retaliation for filing a complaint. I can find no reason for the significant decrease in credit score which is in my opinion highly unusual and irregular decrease.I have reviewed the credit reports and note no significant changes with the exception of one account not considered new and a small increase in amount of credit available. XXXX and XXXXare responsible for collecting and maintaining consumer credit reports in the U.S. These reports are then provided to subscribers, such as landlords, mortgage lenders and credit card companies. Lenders use these reports and credit scores to decide whether or not to extend me credit, it leaves a lot of room for interpretation. This recent credit score decrease, negatively impacts my  opportunities viewed by lenders who are deciding whether or not to extend me credit. The instant decrease would be a RED FLAG, even though I pay on time and current.
Product: Credit reporting, credit repair services, or other personal consumer reports

Following accounts have been disputed sine XX/XX/XXXX with no response but to send additional verification which was well over the 30 days from my first letter. I sent the proper documentation in my dispute XX/XX/XXXX and feel this is just a stall tactic as they waited almost 2 months to even ask me for additional information Dispute for the following items was sent on XX/XX/XXXX, XX/XX/XXXX and again XX/XX/XXXX XXXX {$1000.00} This account is still questionable since my dispute on XX/XX/XXXX with no response. High balance still showing {$1000.00} on Equifax when XXXX shows {$0.00}. Also shows that this was transferred or sold and does not indicate who it was sold to which is a requirement. Date of last payment on Equifax shows XX/XX/XXXX but on XXXX and XXXX it shows XX/XX/XXXX. Payment history is also incomplete and does not show any negative remarks No disputed notes on this account as well which is a violation. No disputed notes on this account as well which is a violation. 

XXXX XXXX {$620.00} This account is still questionable since my dispute on XX/XX/XXXX with no response and see changes where made and I was not given any information on why or how the information can now be different. On my report on XX/XX/XXXX the date reported was XX/XX/XXXX and now you have a date reported of XX/XX/XXXX. Date of last active shows XX/XX/XXXX with payment date of XX/XX/XXXX but on my report on XX/XX/XXXX the date of the last payment was XX/XX/XXXX. How is all this information now different and I have still yet to get any information on your investigation. 

XXXX {$1800.00} This account is still questionable since my two other disputes that I have not gotten a response on. One of the items in question is this account payment status is Late 120 Days with a payment history of Okay from XX/XX/XXXX thru XX/XX/XXXX the jumps to XX/XX/XXXX 120 days. Past due balance shows {$1100.00} on Equifax and has {$730.00} past due on XXXX  and XXXX There isn't even a dispute remark on this account. 

XXXX {$13000.00} This account is still questionable since my two other disputes that I have not gotten a response on. One of the items in question is this account payment status is Late 120 Days with a payment history of Okay from XX/XX/XXXX thru XX/XX/XXXX the jumps to 120 day in XX/XX/XXXX. Past due balance shows {$12000.00} in my XX/XX/XXXX reported with a date of last active of XX/XX/XXXX and now the Past due balance is {$12000.00} with the date of last active XX/XX/XXXX on my XX/XX/XXXX report. How does any of this information add up to be true. Please remove this errores unverified account immediately.No disputed notes on this account as well which is a violation.
Product: Prepaid card

I had a wells fargo gift card worth {$500.00} which i lost, ( remaining balance was about {$480.00} ) I reported it lost XX/XX/XXXX. I called in to report and completed the verification and requested a cheque for the balance to be issued. I was informed of the {$15.00} fees for the cheque to which i agreed. However it has been 4 months and i still have not received the cheque. I called in XX/XX/XXXX as well as XX/XX/XXXX to check on the status and was assured that the funds have been processed and cheque would be sent out shortly. 

Now, as i try to follow up, I am being asked to verify the transactions right to the dollar amount. I last used the card in XX/XX/XXXX and i am unable to remember the exact dollar amount. 

I had previously verified my identity and confirmed the remaining balance on the card, however now i am only givin XXXX option to verify the card which is my last transaction. 

I think this is very wrong and non flexible policies by wells fargo to make me jump over the same hoop over and over again
Product: Credit reporting

I have called Equifax on several occasions since XXXX and disputed items over the phone. To no avail. they continue to report inaccurate information on XXXX, re-aged accounts. Accounts that I have no knowledge of the debt. Debt aging back to 2009. I have sent them a certified letter in re-gards to the inaccurate reporting. They have damaged my credit rating and I have been unable to obtain a mortgage or new credit. This has cause me distress. They have lowered my credit score to XXXX when I have XXXX open accounts in good standing for almost a year. They refuse to acknowledge this and report a better credit score. They have really hindered me. I have tried unsuccessfully to get results from them. My next step is legal action. So I am reporting my claim to you as well and will disclose my final attempt for them to correct the matter.
Product: Mortgage

My mortgage is being sold from Seneca servicing to XXXX and I was notified less than 10 days of the effective date with the preliminary notification and no information from the new servicer to this point.
Product: Mortgage

We seem to have a disagreement with our mortgage servicer, SunTrust Bank, about the cancellation of PMI. 
We've been making additional payments against our mortgage principal for the last couple of years in an effort to pay our mortgage off early. Once we reached the point where we had paid off approx. 20 % of our loan we began receiving letters on a regular basis from SunTrust informing us that we can have our PMI payments dropped if we would submit a request to do so and include a check for {$450.00} to pay for an appraisal. However, we knew ( or believed ) that according to the Homeowners Protection Act that the PMI would be terminated automatically once our principal balance had reached 78 % of the original value of the loan. We therefore felt that providing our loan servicer with {$450.00} for them to perform an appraisal was not only unnecessary, but it felt duplicitous. 
At the point where we had lowered our principal below 70 % of our loan value and the PMI was still in effect we wrote SunTrust Bank a letter on XX/XX/2019 stating the above belief and included a link to www.consumerfinance.gov indicating that according to the HPA the PMI should have been dropped automatically, and without a {$450.00} appraisal. We also stated that we, in fact, should be reimbursed for PMI payments that occurred after we had met the requirement for automatic cancellation of the PMI. 
SunTrust acknowledged receipt of our letter, but only reiterated that we needed to make a PMI cancellation request using their included form, and include a check for {$450.00} for an appraisal. 
Our principal is currently at approximately 50 % of the loan value and we are still paying PMI. 

Are we mistaken about the HPA as it relates to PMI and its automatic cancellation? 
If not, would you please help us resolve this issue? 
( and just a point of note, we see on this website that there are several people who have had this same issue, and with the same bank. ) Thank you, XXXX
Product: Mortgage

I believe Wells Fargo underwriters practiced discriminatory lending and are in violation of Fair Lending Laws by encouraging a high-cost loan option and disqualifying me of a competitive loan despite my credit qualifications. 

I am in the process of purchasinga home for my mother in the XXXX XXXX area XXXX XXXX XXXX XXXX. I live in XXXX CA.  My mother was given the opportunity to purchase the home she is in ( or given 60 days to move out ). She has been renting the home for over 10 years at a rate that has never gone up, despite the rapid increase in the cost of living in her area. However, she is low-income, and does n't qualify for the complete funds needed to purchase her current home on her own income. After researching various options, we were told by Wells Fargo I can purchase the home for a low interest rate, low down payment and monthly payments if I could live in the home. 

After 45+ days of submitting the same documents repeatedly, we were finally informed that I was denied because Wells Fargo underwriters were " unable to verify ( current ) residence. '' Wells Fargo originally requested to verify that I was n't currently living at the home, which I provided evidence ( tax records, employment location in the XXXX XXXX, a written and signed statement ). During a phone recorded verbal denial, I was told that Wells Fargo wanted me to use an investment loan for the home, which would have a higher interest rate, a larger down payment and higher monthly payments, something my family could never afford. 

I am concernedabout this for a few reasons. First, the home is in a predominantly low-income XXXX neighborhood AND we are working class XXXX XXXX. Although I have excellentcredit ( e.g- high credit score, no missed payments, track record of owning a home and paying on-time etc. ), I was denied a competitive mortgage loan and was told the underwriters wanted to do the loan as a less affordable option. Secondly, the denial reason is vague, and when probed for additional details I was denied by several representatives. The lack of a sound denial explanation and the makeup of the neighborhood along with Wells Fargo 's long standing issue with providing fair loans to minorities proves as further evidence that their intentions were never to offer the competitive loan, but to coerce our family into a more costly loan in the long-run. This issue has since been escalated up to the discriminatory division at Wells Fargo, but I have not been able to get a responsive.My mom has already undergone several hospital visits as a result of the stress that this situation has caused our family. 

What we are requesting is a full refund for the fees paid to the bank totaling {$560.00} ( for appraisal ) and monetary compensation as a result of the unlawful act of discrimination experience imposed upon my family. 

I am sorry that my XXXX XXXXXXXX, and the XXXX of my neighbors makes us a bigger risk to your bank, but no bank should ever be allowed to freely and without just cause deny qualified individuals of competitive loans on the basis of their economic and XXXX disadvantage and/or of their neighborhood.
Product: Debt collection

I lived at XXXX XXXX and they used the company I.Q. Data International Inc.  I have already paid the debt but they charged me interest which is illegal considering it wasnt past due or a bill that can be charged interest.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX
Product: Credit card

I noticed several charges from XXXX XXXX XXXX, XXXXXXXX XXXX, and XXXX XXXXXXXX XXXX on a credit card ( Bank of America XXXX XXXX XXXX  ) that I never used to pay for my XXXX account. On XX/XX/year>, I contacted XXXX customer service to raise this suspicious charge and they took immediate action to cancel and block the XXXX account fraudulently using my credit card. I then reported these unauthorized transactions with my credit card bank ( Bank of America ) and they immediately blocked this merchant from charging me in the future as well as issued a new credit card for me.
Product: Credit card or prepaid card

I called XXXX XXXX XXXX for a " free estimate '' for a furnace problem as they advertised on line. They said they needed to have a credit card number to come out but they wouldnt charge my card. Several weeks late, on XX/XX/XXXX a tech came to my house. He looked at my furnace and said I needed a new motor. He did nothing to repair it and said that someone will call me with a price, then he left. He was there for 15 minutes. They said it would be {$700.00} or so. I said ok... but then they sent me a text saying it would be {$1100.00}! I sent them back a text immediately saying there was some mistake because I look up the cost of a motor on the internet and it was only about {$250.00}. So I said I didnt want the service. They then billed Discovercard for the {$1100.00} ... .later they took that off but added at charge of {$300.00}. Discovercard sent me a notice of that charge. I called them within minutes to say it was not authorized and told them the details. They said it would be investigated and they would give me a temporary credit. I kept waiting for the credit to appear. When it never did I called the XXXX XXXX on XX/XX/XXXX and spoke with XXXX she said she would fix it. On XX/XX/XXXX, XXXX I spoke with XXXX who said she would fix it, still nothing, then on XX/XX/XXXX I spoke with XXXX XXXX XXXX XXXX I spoke with XXXX and Corporate Headquarters on XXXXXXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX I called again and no claim was denied. Today I called XXXX at the Corporate Headquarters. I never authorized a charge of {$300.00}. I was never given any communication from XXXX XXXX of any amount due, I only found out about the charge thru my Discovercard account. I asked the company who was the owner, they refused to tell me. Finally, my neighbor came over feeling so horrible about what happened. He looked at my furnace and said the motor was fine. He tightened a bolt and it has been working perfectly since then. He has offered to write a statement to this affect.
Product: Mortgage

Round Point Mortgage administration and Law firm reported my VA Loan of around {$240000.00} as owed debt to Veterans Administration and damaging my VA Eligibility entitlement. 
On XX/XX/XXXX my former Texas Attorneys XXXX XXXX and XXXX XXXX supported me on my file bankruptcy chapter XXXX and filed at XXXX, Texas in Federal Court. 
On XX/XX/XXXX Federal Judge Discharged Bankruptcy XXXX in which XXXX XXXX XXXX was was servicing my VA Loan.number XXXX. 
On XX/XX/XXXX my VA Loan was sold or transferred to Round Point Mortgage all evidence of bankruptcy chapter XXXX was emailed to Round Point and VA administration. 

Why is VA Administration gave me a recent certificate of eligibility by email with a debt of {$240000.00} and adding Foreclosure, or deed on my VA Certificate of Eligibility? 

In due of respect to VA Administration and Round Point Mortgage is VA adopting Round Point Mortgage debt of {$240000.00} to get the CORRUPTED, FRAUD VA Loan compensation of guarantee fundings? 

I am XXXX and Retired and XXXX XXXX Honorable Miltary Veteran. 
I am been Discriminated and Retaliated by Round Point Mortgage and VA Administration because I am XXXX and XXXX XXXX XXXX. 

Very Urgent Matters
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first 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 items XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$630.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX Balance : {$28000.00} XXXX, XXXX & XXXX XXXX XXXX : {$150.00} XXXX, XXXX & XXXX XXXX XXXX : {$5900.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$740.00} XXXX XXXX XXXX XXXXXXXX Balance : {$200.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXXXXXX XXXX Balance : {$260.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX, XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Vehicle loan or lease

On XXXX XXXX I went into XXXX XXXX BMW to lease a new car. I test drove a car and filed out an application and then was told my the sale advisor that the finance dept is closed that they will call me on Monday XX/XX/XXXX to run my credit and get the process going. Monday XXXX called me and informed me that BMW didnt approve me and if I had a co signer. At the time I didnt so I called me back to request to pick up my check that I left for a deposit of {$1000.00}. On Wednesday XX/XX/XXXX I got noticed from my bank that the dealership cashed my check. I told with XXXX asking him why would they cash it if I was denied a loan/lease. He told me that once funds go too billing they deposit everything and that he will contact them to get me a check and they would mail it to me. I called few times and on Saturday XX/XX/XXXX I spoke with XXXX who and he informed that he signed off for me to get a check. I never heard or received the check and today is XX/XX/XXXX. I email the DM this morning and expressed my issue and that I would be there today to pick up. I got there at XXXX and XXXX informed me that he have to check with the finance dept and he will give me a call tomorrow at XXXX. I dont understand why would they cash my check if I wasnt approve to get a car. I feel like Im getting the run arounds about my money and how would they not give me my check/money back and its been 2.5 weeks and nothing yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX    XXXX ,2017    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Oh  XXXX   XXXX  Had an inquiry on my credit report that I did not authorize or approve of.
Product: Student loan

I applied for the SAVE Repayment Plan on the Federal Student Aid website on XX/XX/XXXX. Aidvantage my loan serviced received my application and I called to make sure I would be switched over. The representative said I was good and I would be receiving information about my new payment of $ XXXX. Instead of switching me to the SAVE plan with an estimated monthly repayment of $ XXXX, they took my original IDR plan with monthly payments of $ XXXX and applied my SAVE application information to increased my payment to {$1300.00} under the prior IDR plan. I was informed of this new payment on XX/XX/XXXX. I called again and stated this is not what I agreed to do. The representative stated it was submitted wrong and that she would fix it. I paid a forbearance fee of {$5.00} on XX/XX/XXXX to exit the IDR plan I was previously on and go into the SAVE repayment plan. On XX/XX/XXXX I received my statement stating it was for {$1300.00} ( the prior due amount with {$5.00} subtracted ). I called again stating I was in the wrong plan and that I never approved my application to be used for the prior IDR. The representative stated she was going to fix it and extend my forbearance period so first payment of {$800.00} would be due at the beginning of XXXX. Notified of forbearance approved on XX/XX/XXXX. I received documentation that my new IDR was approved on XX/XX/XXXX, but it is still for the prior IDR plan and the expected payment is {$1300.00}.