23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This is a classic bait-and-switch scheme. Finance of America gave me an Estimated Prequalification Cost Analysis on XXXX XXXX, 2016, quoting a 3.75 % interest rate, 0 % points, and {$440.00} Lender Credit ( please see attached. ) I signed a Loan Commitment with Finance of America on XXXX XXXX, 2016, locking in an interest rate of 3.75 % and total points of 0 % ( please see the attached ). The lock was set to expire on XXXX XXXX, 2016. After paying {$430.00} for my appraisal and going through a long underwriting process, I was informed that " circumstances have changed. '' On XXXX XXXX, 2016, I received a Changed Circumstance Cover Letter asking me to sign a new loan estimate with additional {$1200.00} in origination charges ( 0.725 % in Points and the loss of the {$440.00} Lender Credit. ) Even though my loan amount went down from {$160000.00} to {$140000.00}, my Loan Costs, net of Lender Credit, went up from {$1300.00} to {$2800.00} ( please see the calculation sheet attached ). I have reached out to XXXX XXXX, the branch manager in XXXX, NC for resolution, but he is unwilling to honor the Loan Commitment. Please help.
Product: Credit card

I paid for ashes for my father, half was for me and half was for his wife. I paid my half and have not received ashes and company will not respond so I filed a dispute with Aspire credit card and they also are not helping
Product: Checking or savings account

I want to file a complaint against Navy Federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, were transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my transactions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a charged off account reporting to all thr CRA with eith no date of last payment and no payment History leading to charge off being reported I have disputed this several times as well as provided additional documentation regading this account to only have the account update and verify with no changes being made to report. The account has never reprted a date of last payment or DOLA date they are going by the date the account charged off. the law states that no later that 90 days after reporting a charge off the furnisher must provide the month and year of the commencment of the delinquency on the account that immediately preceded the action. This account has not done that and should be deleted from my credit report.
Product: Credit reporting or other personal consumer reports

I did not grant authorization to obtain credit inquiries and I would like these hard inquiries removed from my credit report. This is not fair to hard working people! 
Please help, thank you. Phone call XX/XX/2024
Product: Credit card or prepaid card

I have three credit cards with Synchrony. They increased my credit line on all three cards, because I was never late, was not overusing or abusing the cards. 

Over the last 8 months, they have reduced my credit lines, making it impossible to use cards, and each time the reduce the credit line, my credit score takes a hard hit. They are destroying my credit worthiness, because I pay on time and they've NEVER had an issue with my card use. 

When I did talk to them, they stated I do not own property and they reserve the right to decrease credit line. I have never own property and they approved me. I would understand a decrease in the limit if I was abusing the account. But, I CAN NOT even use the accounts because of this behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I purchased merchandise at a XXXX XXXX XXXX in XXXX, Oregon. At checkout, I was solicited by the cashier to apply for a XXXX XXXX XXXX Mastercard and if approved, would receive a discount on my purchase. She repeatedly, at least 3-4 times assured me that this was not going to result in a credit inquiry, and  was simply a " soft pull '' with no credit bureau reporting. I told her this was critical as I was about to refinance my home and did not want to negatively impact my FICO score. She said she was 100 % certain that no credit reporting would be done. With that I agreed. The following day, I received notification from XXXX XXXX and Equifax that XXXX XXXX  had pulled my report and my FICO has dropped 100 points as a result. Incensed, I contacted XXXX XXXX to report what had occurred, immediately cancelled the account, and demanded that they contact the 3 bureaus to rescind the inquiry. They agreed to do so but said it would take weeks for the agencies to reverse the inquiry. I followed up 3 more times in the next few says and agents I spoke to reaffirmed that this had been done. I also contacted the agencies and sent letters confirming my discussions with XXXX. Additionally, I contacted the Manager of the XXXX XXXX and he apologized, acknowledging that the lady misinformed me and he would take proper action. He even reversed the charge and sent a small gift card to evidence his apology. I just received letters from XXXX and XXXX  this week informing me that the inquiry is valid and will stand, contrary to what was mentioned during my multiple phone conversations with both. Meanwhile, with a lower XXXX score, i am unable to complete my refinance, as the higher rate will raise my monthly payment on a 30 year mortgage by {$200.00} a month. Would greatly appreciate your help and support to mandate the lender to remove this inquiry.
Product: Checking or savings account

I had an issue with a XXXX order being charged to my account twice. I disputed the charge with XXXX and I was told I had to take it up with my bank. I disputed the double charge with PNC, and was told the investigation would take 90 days to complete ; the refund amount that I was disputing was {$17.00}. I never received any follow-up calls from PNC and I contacted them more than once about the resolution. I contacted the bank again today and was told they denied my request. I never received the letter stating why, but there should have never been a denial to begin with. I was charged twice and the money that I was requesting the bank put back into my account was my money anyway.
Product: Credit reporting or other personal consumer reports

Dispute Explanation for CFPB Outdated Charge-Off & Possible Re-Aging I am filing a formal dispute regarding an outdated charge-off account from XXXX XXXX, which is still being reported by TransUnion and Experian beyond the legal reporting period allowed under the Fair Credit Reporting Act ( FCRA ). 

Account Details : Creditor Name : XXXX XXXX Credit Bureaus Reporting : TransUnion & Experian Account Open Date : XX/XX/XXXX Charge-Off Date : Not accurately reflected Remarks : Unpaid Balance Reported as a Loss by XXXX XXXX, Account Previously in Dispute - Now Resolved - Reported by Subscriber. 
Violation of the Fair Credit Reporting Act ( FCRA ) Under 15 U.S.C. 1681c ( a ) ( 4 ) of the FCRA, negative accounts such as charge-offs must be removed after seven ( 7 ) years from the Date of First Delinquency ( DOFD ) that led to the charge-off. 

The original delinquency likely occurred before XXXX, meaning the charge-off should have been removed no later than XXXX. 
The " last activity '' date is inaccurately listed as XX/XX/XXXX ( Experian ) and XX/XX/XXXX ( TransUnion ), which suggests re-aging of the accountan illegal practice under the FCRA. 
I disputed this account last year, but it remains on my report, despite exceeding the 7-year reporting limit.
Product: Credit reporting or other personal consumer reports

I looked at my credit report XX/XX/XXXX Ive noticed some things were incomplete and inaccurate and according to the fair credit reporting act whenever consumer reporting agency prepares a consumer report if you follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about home the reports relates and these are the accounts Names and addresses XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX, MI XXXX XXXX. XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX {$2500.00} XX/XX/XXXX XXXX. XXXX XXXX  {$0.00} XX/XX/XXXX XXXXXXXX XXXX  XXXX  {$1600.00} XX/XX/XXXX XXXX. XXXX XXXX {$0.00} XX/XX/XXXX XXXX {$0.00} XX/XX/XXXX XXXX. XXXX XXXX  {$510.00} XX/XX/XXXX Collections XXXX. XXXXXXXX XXXX XXXX XXXXXXXX {$500.00} XX/XX/XXXX XXXX. The XXXX XXXX XXXXXXXX XXXX XXXX XXXX and XXXX  XXXX XXXX Dollars XX/XX/XXXX According to 15 you USC 1681S/to a person showing that furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that this information is in accurate
Product: Checking or savings account

I called M & T bank earlier to add my new phone number. Its the same phone Ive had for a few years but I have a new number. 
So a question they ask to confirm my identity is what branch did I open my account at. Thats a simple question because Ive only been in one location and thats on XXXX XXXX in XXXX New York ; right around the corner from where I lived on XXXX When I answer the question they say its the wrong answer. Last time they just canceled my card and now they have my account locked. 
XXXX XXXX XXXX XXXX and they know this as Ive been here for several months. 
Also the fact that they have me opening my account at a different location seems like some kind of fraud but I dont know why. How many people does this happen to? 
I guess its my fault for calling them on the phone to update my phone number. Last time I called with something simple they canceled my debit card because I gave the wrong location. 
I need to stress that the XXXX XXXX ( XXXX ) is the only location I have ever been inside of. I walked in with a few paychecks from the XXXX XXXX XXXX and opened my account. I do remember the lady who I dealt with was from a different location so maybe that has something to do with it. 
I did just deposit a check and my account being frozen is going to really have a negative impact. 
Also my PIN number I set up on my newest debit card never worked
Product: Checking or savings account

The complaint against Bank Of America N.A. On XX/XX/2023 I deposited a check for {$5400.00} at the ATM and on the screen it only showed {$410.00} the machine wouldn't allow me to cancel and use any of the commands on the screen the bank had closed while I was trying to cancel said transaction to retrieve my check from the ATM machine it then printed a receipt with a deposit of {$410.00} not the {$5400.00} which was the correct amount of the check deposited. I called Customer Service and spoke to XXXX and she said the funds will be released on XX/XX/XXXX and gave me a case number. On XX/XX/XXXX I received notification that they put a hold on my check until XX/XX/XXXX, I then called Customer Service I spoke to XXXX regarding this deposit/hold issue she tried to get the money released sooner with her supervisor but unsuccessful I was then transferred to the Fraud Dept XXXX I was told by the Supervisor XXXX that my funds will be available on XX/XX/XXXX on that day the money was still on Hold, I called in again spoke to XXXX I asked for the Supervisor I spoke to Supervisor XXXX with no resolution said I had to wait until the XXXX that there's nothing he could do, I told him that's a total of 8 days not including the weekends that I need my money and this was ridiculous. On my account it stated " XXXX XXXX '' I asked XXXX what do that mean he couldn't explain. This isn't ethical or professional. Can you please help me with injustice?
Product: Mortgage

My XX/XX/2020 statement for a mortgage loan from Guaranteed Rate Inc. indicated they had not credited the payment I sent to them in XX/XX/2020. I sent them a letter on XX/XX/2020 asking them to correct the error they made. 

I received a response from them on XX/XX/2020 stating they had found the payment I made and applied it correctly. They also stated they were crediting all late fees and no negative credit report had been filed. 

Since receiving that letter I continue to get collections letters from them. I also have received 2 separate billings for the month of XX/XX/2020 that continue to add late fees. 

Despite numerous phone calls to Guaranteed Rate Inc. they still have not corrected their error. 































































































































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Product: Debt collection

The following remarks are copied from credit report about this account. The agent that was assigned to my account at NRS had said that this account will be removed from my credit report when I paid the agreed upon amount to NRS, but they failed to remove the account. They only updated the remarks to Paid less than full amount owed. The agent had coerced me into paying more than the agreed upon amount in order to have the account fully removed from my credit report and so I did pay the extra amount to have it removed as opposed to only showing it as paid in full and remain on my credit report. 

NATIONWIDE RECOVERY SYS Last reported XX/XX/XXXX {$0.00} Reported balance Original balance {$590.00} You owe 0 % of the original balance OVERVIEW Opened XX/XX/XXXX ( 1 mos ) Account status Closed Type -- Responsibility Individual Remarks Settled - less than full balance Original creditor name XXXX XXXX XXXX XXXX  CONTACT INFO NATIONWIDE RECOVERY SYS XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX USA ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Bankruptcies are on my report and I never filed anything and the third party has verified that they never provided anything to trans union and XXXX  account also has been placed on my account and I never lived at that address and I am a victim of identity theft and I have filed a report with ftc to verify this trans union has been contacted via mail in writing as well as XXXX and I have disputed this on their website as well I have also asked trans union to remove the inquiries as I never authorized them and being a victim of identify theft they must remove them they are hurting me financially and personally violating 15 usc 1692c and 15 usc 1681 and I am also a victim of the data breach of my information.
Product: Credit card

( This is what I sent to Target on XX/XX/2016 ) To Whom It May Concern : I am writing to correct a negative " Charge Off '' account listed on my recent credit report. My wife and I have worked very hard to keep our excellent credit history and just discovered a delinquency in a Target RedCard account. The timing could not be worse as we are trying for a home mortgage and this small account has devastated our normal 800+ credit score and will ultimately cost us many thousands in increased credit costs. It is our only negative account. 
I just spoke with XXXX at your customer service center and, in good faith, paid off the account in full even though it was already charged off 11 days prior. XXXX and I discovered that an incorrect address was inputted by the Target employee where we applied for the store card and all account mailings were returned to Target as undeliverable. The target employee never asked me if the address was correct and never took my email address when I applied for the card. My correct cell phone was on the account but was never called. I never received a single correspondence or phone call regarding this store card. 
I demand that this charge off/paid in full account be deleted from my credit report. I accept full responsibility for not contacting Target as to why we were n't receiving an account statement but Target never even bothered to call my cell phone to say there was a problem with the account. I am also contacting the credit bureaus to try and remedy this. Please note my Massachusetts driver 's license and the incorrect mailing address that was used to process my XXXX application. Thank you. 
( The amount we placed on the card was around {$170.00}. I worked with the Massachusetts AG office for weeks but Target refused to removed the charge off from my credit report. Would you please help me restore my otherwise perfect credit history? )
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I looked at my credit report again, and I noticed some inaccuracies, I sent a letter to XXXX on XX/XX/year> asking them to investigate these accounts account number XXXX for Florida XXXX XXXX XXXX CHARGED OFF ACCOUNT DEPOSIT RELATED and account number XXXX for XXXX XXXX Charged off account and I sent a Certified letter here is my tracking number XXXX on XX/XX/year> they sent me their investigation and said those accounts are verified and accurate. and according to 15 USC 1681i ( 5 ) see it states after reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, An item of the information is found to be inaccurate or incomplete or can not be verified. The credit bureaus did not reinvestigate and violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX Account XXXX 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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Debt collection

UNITED REVENUE CORP Account number XXXX {$1000.00} placed this amount on my credit report without notify me in writing of detailed biling and services provided or the attending dr and dates of service I was not made aware that this was owed I was not notify by mail that bill was owed nor told that I could disputed this bill I would like them to follow the HIPPA GUIDE LINES WITH THIS PROCESS PLS PROVIDE ALL METHODS USED TO VER THAT THIS ACCOUNT BELONGS TO ME
Product: Vehicle loan or lease

Business Address : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX # XXXX XXXX, TX XXXX Phone- XXXX Home : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mercedes-Benz Financial Services XXXX XXXX XXXX XXXX, TX XXXX Dear Sir/Madam, I am writing to you regarding my recent auto loan application to Mercedes-Benz Financial Services. I filled out the application using my business name, XXXX XXXX XXXX, and provided all relevant business information. 

However, I was notified that my loan application was denied based on information in my personal credit report rather than my business credit report. This is in violation of the Fair Credit Reporting Act ( FCRA ), which requires lenders to consider business credit history when evaluating loan applications made in the name of a business. 

Furthermore, I was under the impression that my loan application would not result in a hard inquiry on my credit report, as stated on your website. However, I have since discovered that there is a hard inquiry on my credit report as a result of my loan application. This is also in violation of the FCRA, which requires lenders to obtain a consumer 's consent before conducting a hard inquiry on their credit report. 

I am disappointed and frustrated by this experience, as I believe that my loan application was unfairly evaluated and that my rights under the FCRA were violated. I would like to request that you review my loan application and credit report again, this time taking into consideration my business credit history and correcting any errors or inaccuracies in my personal credit report. 

Additionally, I would like to request that you remove the hard inquiry on my credit report, as I did not provide consent for a hard inquiry to be conducted. 

Thank you for your attention to this matter. I look forward to hearing from you soon. 

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

Inquires made without authorization. Fraudulently Opened and reporting on my credit report. 
Account number XXXX XXXXXXXX XXXX XXXX XXXXXXXX I have no binding contract with the company and information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to apply for a loan, and was turned down and I looked my credit up and seen items on my credit that should not be on my credit and needs to be removed .i contacted all three beaureus and no one has answered back. So I want to see is their something that you can do.I am including my XXXX  and police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act : XXXX XXXX Serv Account XXXX has violated my rights. 
In Accordance with the Fair Credit Reporting Act : XXXX  Account XXXX has violated my rights. 
In Accordance with the Fair Credit Act : XXXX Account XXXX has violated my rights. 
In Accordance with the Fair Credit Reporting Act : XXXX XXXX account XXXX has violated my rights. 
In Accordance with the Fair Credit Reporting Act : XXXX XXXXXXXX XXXX  account XXXX has violated my rights. 

USC 15 1681 section 602A States I have the rights to privacy. 

USC 15 7681 section 604A section 2 Italso states a consumer reporting agency can not furnish an account without my witten instruction.
Product: Credit reporting or other personal consumer reports

After reviewing my consumer reports with all three reporting bureaus, I discovered some instances of late payments on an account that I have always made on time payments for. Consumer reporting agencies are required to accurately report consumer information. These reports affect consumers ' lives. I have never missed a payment on the following account : XXXXXXXX XXXX XXXX  Account # XXXX. I request a COMPLETE investigation into these discrepancies and kindly ask you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay. There are multiple discrepancies on my report from ALL three bureaus.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX : {$3600.00} XXXXXXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$3600.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1300.00}