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

Hello, I am writing to contest a massive downgrading of my credit score. In XX/XX/2021, was offered a Capital One Cabela 's club during my time of purchase at a Cabela 's store. I took the offer, gave Cabela 's my contact info, and paid for my goods totalling {$880.00}. Long story short, I did not receive any notices or bills at my house for three months, until at which point I realized my credit score had sufferred a huge downgrade from XXXX to XXXX. I immediately called Capital One after talking to my mortgage broker and explanied to them the situation. I paid the card balance in full and then closed by account. 

If you look at my credit score and credit history, I have been between XXXX and XXXX for a very long time. I currently have, and have had, four major credit cards, all of which are paid down to {$0.00} on a regular basis. I spend over {$200000.00} annually on all four of my current credit cards, and I have never been late to pay any of these cards. One is XXXX XXXX and three are Visa. 

As a result of my credit downgrade, I have suffered legitimate hardship in trying to secure a recent home loan, refinance my house, get a new car for my fiancee and other issues. Please review my credit history and please expunge this one time late payment oversight so I may continue to have the XXXXredit score I deserve and one I have worked very hard to attain. It simply does not make any sense that out of the $ XXXX I spend on credit each year, and that I also pay down each card very quickly, that a {$800.00} late payment should crush my credit score. It was simply an error. 

Thank you very much, XXXX
Product: Credit card or prepaid card

I had two accounts with Barclay US, a Barclays Choice card. Over several years, they raised my limit until the Barclay card had a {$10000.00} limit. Several months ago, my total owed was about {$4500.00} and they suddenly lowered the limit to {$500.00} above the current limit. I then refinanced my home and consolidated bills and the first one I paid was Barclay, at {$4300.00}. That was the total balance listed. When I checked the website today, to my shock i saw a balance of {$84.00}! They charged me that amount in interest AFTER I paid the total amount owed! Is this legal? I know it isn't moral. 

In addition they gave me a new limit ... ..of {$500.00}. I never had a late payment on this or any other card in almost ten years. Instead of thanking me for not being a person who does not pay bills but instead insults me and charges interest on a ghost balance.
Product: Mortgage

At some point in Fall XXXX, I was allegedly mailed notification that my flood insurance zoning would be changing. At the time, I was experiencing mail theft so I missed the notifications until XX/XX/XXXX when I saw that my mortgage charge was going up $ XXXX  monthly. Upon investigation, I found that there was an escrow shortage to the tune of about $ XXXX from my flood policy insurance holder, national flood insurance program direct servicing agent. For the last four months, I have been fighting with these agencies to determine why my premium is now so costly. For context, I live in a XXXX square-foot second floor unit, converted in XXXX with a new roof replaced in XXXX that has absolutely no risk of flood damage, because I ultimately only insure the inside of the unit. I also have a master HOA flood policy that provides more than XXXX of my required coverage from the bank, BBVA. For the last couple of months, going back-and-forth between the flood policy holder and the bank has been an absolute nightmare because I also got laid off in XX/XX/XXXX. Im able to pay my mortgage as is, but a raise of {$3600.00} dollars per year is not going to fit into my current budget. I have called and called, liaised with my condo policy carrier, state farm, and I keep getting nothing but arbitrary responses. I went ahead and bought a private flood insurance policy so that I could cancel the NFIP policy and pay less, and NFIP told me they refused to cancel my policy unless I sold my property. I am really stuck here and need help!
Product: Credit reporting or other personal consumer reports

XXXX, Experian, and XXXX XXXX XXXX XXXX, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened at XXXX XXXX XXXX on XXXX XXXX under the account number ( private ). XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, and XXXX XXXX on XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is 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 accounts 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

My Student Discover card was on hold for 4 months. I told them I was a XXXX XXXX XXXX student and I work part time at my XXXX XXXX  and that my only option at the moment was to get an online signature for my enhanced notary form. They still decided to close my account without warning ( I had to call them. They did not email me, they sent me nothing in the mail ). And this is incredibly unfair. Since they didnt tell me what type of notary signature to get ( private or public ) and now they close my account. This is incredibly ridiculous and unfair to the consumer. I also think because I am a XXXX resident, they were biased towards me and felt no urgency or concern to actually help me with this.
Product: Mortgage

Our mortgage was transferred from homepoint financial to Mr. Cooper in XX/XX/XXXX. My identity was compromised immediately in their massive data breech before we had even made our first mortgage payment to them. I was unable to make a payment with them because their systems were locked due to the breech for nearly 7 weeks and therefore we had to make 2 mortgage payments in one month causing financial hardship to our family. I was made aware shortly after that my personal information including social security number had been compromised and had been leaked on the dark web. I had to file identity theft reports with the social security administration, lock my credit with all three bureaus, constantly monitor my identity, and pay for credit monitoring services. 
I logged into the online system in XX/XX/XXXX to pay my mortgage to receive a message that I did not have a loan with Mr Cooper. I called six times. I was disconnected by the automated system all six times because you can not speak to a live agent unless you have an active loan number or social security number within their system. I had to claim to be interested in opening a new mortgage with them to get to an agent. I was then told that my loan had been sold to a company called XXXX. I did not receive any mailed or email correspondence notifying me of this transfer leading up to the switch. I received a letter in the mail on XXXX XXXX stating I was yet again transferred BACK to Mr Cooper starting XX/XX/XXXX. 
Today XX/XX/XXXX I received an email addressed to " XXXX and XXXX '' with their old loan number and new loan number included. This is not my name nor my husband 's name. I received an email roughly six hours later asking me to disregard the email and that it was not intended for me. I called my current loan servicer ( Homepoint Financial ) who confirmed they were aware of the mishap and that all customers appear to have been impacted. I was told to call Mr Cooper 's " Corporate Incident Line '' at XXXX. This number either rings busy, disconnects after one ring, or I receive a message from XXXX that the called has temporarily blocked incoming calls. I have attempted to call 13 times with no success. 
This company compromised my identity not even one year ago. They have put my family behind financially, I've lost countless hours on the phone with credit reporting agencies and the social security administration, got my personal information put on the dark web as a mother of XXXX XXXX XXXX  and have suffered mentally due to their negligence. Nine months later they are sending our personal information out via email to strangers on the internet. 
They are not protecting our privacy, our Personal Identifiable Information, or financial information. They are not meeting contractual obligations for notification of mortgage sale and/or transfer. They are not meeting standards for reasonable efforts of communication. They need to be held accountable for their thoughtless business practices and mishandling of consumer information.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I sent {$100.00} on XXXX website to my mom in XXXX as part of a recurring transfer. XXXX took the money out of checking account & sent me reference # XXXX as proof of transfer, but they never deposited the money into my moms mobile wallet. I reached out to the mobile wallet company & they sent me all transactions that came into my moms account from XX/XX/XXXX through XX/XX/XXXX. XXXX didnt submit the money to the mobile wallet company. When I called them they said there was a delay so I should give it a few days. I got an email from them saying that there was a problem with the transaction, but they will not refund me any money. I filed a case asking them to give me proof that they sent the money to the mobile wallet company including confirmation number so that my mom will take it to her mobile wallet company & withdraw the money. After waiting for 30 days, they told me that I need to open a different case. Ive opened a total of three cases, but they have not provided the proof that my mom will need to withdraw the money from her mobile wallet. Each time I call, they keep asking to open a new case to get the proof of payment, but they refused to provide the proof. This is just {$100.00}, but what if theyve done this to other people who have gotten frustrated & given up? I would like a refund or the money given to my mom since theyve already taken the money out of my account.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence Engelhardt. V Gravens ( mo ) 281 SW715.719 presume that no proof of the alleged debt. nor therefore any such debt in fact, therefore exist. ( please remove these account accounts before I seek litigation for defamation of character. 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: Vehicle loan or lease

My names is XXXX XXXX I had Brought a vehicle from XXXX XXXX in XXXX Florida in the year of XXXX and nobody had told me that the automobile was impounded two days in XXXX before, I even purchased it and it has all kind of issue two days after I brought it and I brought it to their attention they told me that they had no record of the vehicle and they will not fix the issue on the car. they told me " a oil change is the best they can do for me '' keep in mind that they're charge me for a three years warranty on it. so I had to voluntarily serenader the car to the bank which is ( ALLY financial ) .They pick up the vehicle on XX/XX/XXXX and sold it and packet the money and now I'm stock with a {$15000.00} Dollars loan on my names with no vehicle and a child to taken care of.Those people are scammer and someone need to check the out. they need to stop stealing from young people that they're assume are lack of knowledge .I request them to keep my great payment history and report the balance to XXXX please because the AMERICAN people are tired of being scam.I also request all unauthorized inquiries to remove on my credit report as well.Uder THE FAIR CREDIT REPORT ACT I have the right to have outdated information remove any information with out my consent.
Product: Credit card or prepaid card

Capital one sent me a letter saying they were closing my account.dated XX/XX/XXXX. I mailed them a letter asking them to refund my credit balance and asked for details as to how I could access my {$11000.00} rewards towards the purchase of XXXX car. They did close my account & refund my credit balance on XX/XX/XXXX. <P/>I was getting ready to purchase a new XXXX in XX/XX/XXXX and on approximately XX/XX/XXXX I called the card company about redeeming my rewards. They transferred me to a reward redemption center. The rewards redemption center said my rewards were only valid for 90 days after my account was closed. I told them my account was closed less than 60 days ago. They said that Capital One had listed the closure of my account as XX/XX/XXXX. I tried to explain to them my account was not closed until XX/XX/XXXX. They said Capital One had listed the closure date as XX/XX/XXXX and I had to get the closure date corrected to have access to the {$11000.00} in rewards towards the purchase of a new car. I emailed and called Capital One. They continued to state my account was closed on XX/XX/XXXX. I asked them why if my account was closed on XX/XX/XXXX, why was n't my credit balance return to me on that date. They said it is policy/systemic that even if an account is closed they wait 60 to 90 days to refund any credit balance. I asked them if my account was closed onXX/XX/XXXX where was the {$3900.00} credit balance. I was told it was in my account. I asked them to square that statement against the one that my account was closed on XX/XX/XXXX. They had no explantion how a closed account could have had {$3900.00} balance other than the 60-90 days refund policy. They said the only reason my credut balance was returned so " quickly '' was becuase I had sent them a letter requesting the refund of the credit balance. <P/>My Account number was:XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

XX/XX/23 In accordance with the fair credit reporting act, XXXX, Equifax, XXXX and XXXX XXXX XXXX XXXX account XXXX has violated my rights. 15 USC 1681 sec 602 States i have the right to privacy. 15 USC 1681 sec 604 A sec 2 it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B A Creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.
Product: Debt collection

XXXX XXXX calls and texts serval times a day. This company has the wrong number for the person they keep asking for. They are trying to use a 3rd person tactic. The person that is being requested we have no connection to. It's been going on for a month. The text number comes up as XXXX and phone number XXXX.
Product: Credit card

I was paid on XX/XX/year> to an XXXXXXXX XXXX XXXX account, and late that evening initiated a transfer of money to BMO Harris Checking account to be able to pay my upcoming BMO Harris Mastercard bill due XX/XX/XXXXXXXX XXXX 
When I saw that the money wouldn't be transferred in time ( due to artificially imposed bank transfer slow downs ), I did the minimum payment with the understanding that it would cancel the automatic full payment. It did not cancel the full payment, and the full payment was taken. Since my checking account did not get funded in time due to the slow bank transfer, I was charged a {$25.00} returned payment fee. 

So even when I tried to pay the card twice before the due date, I was still charged a {$25.00} fee even though I was " in compliance ''. There is also no cost to the bank or the credit card for debiting my account when the transfer had not happened, so this is clearly just a " junk fee '' that the federal government is looking to ban. 

I called the bank, but they suggested that's just how the system works, and I have to pay their junk fee. 

How can we avoid these " junk fees '' that happen ( with no cost to the bank ) even when I am trying to be in compliance by transferring the money early, or making an on time, minimum payment? 

Also note, the next time, I actually disabled the automatic payment before my payment was due, but the full payment was charged anyway because I didnt disable the autopay " early enough ''.
Product: Mortgage

On XX/XX/2019, Both XXXX XXXX & XXXX XXXX launched the same program for home retention called " The XXXX XXXX Loan Modification, see attached herein. I have included a copy of the XXXX Reference guide for your review. The program was intended for all conventional loans and therefore servicer 's must adhere by the program reference guide. The financial information and sample provided below proves that we qualify for the XXXX loan Modification : XXXX {$580000.00} ( appraisal Value ) = {$580000.00} {$700000.00} ( Post modification gross UPB ) - XXXX XXXX ( forbearance amount ) New Loan Amount XXXX extended to 40 years 3.64 % PMM rate on XXXX XX/XX/2019 Principal & Interest = XXXX + escrow XXXX PITI {$3300.00} PITI {$3300.00} divided by Monthly Income {$10000.00} = Debt to income Ratio is 0.32 % Less than 40 as it is required by the program. 

Rushmore claims that can not offer a loan modification because we have applied in the past and have been denied. it is irrelevant that we have applied in the past, Rushmore should have approve the loan mod the first time. We qualified then and obviously qualify now. Rushmore are ignoring all loss mitigation options in XXXX Florida and should be investigated for engaging in Florida deceptive business practices. We demand that the lender complies with the XXXX program or get rid of this loan to a third party.
Product: Checking or savings account

Current bank is ghosting me for two weeks and not responding to my emails regarding a dispute I filed with XXXX XXXX ACH payments that was taking out of my account for months totaling {$1200.00} and I have supporting documentation like a FTC report and they are ignoring me and refused to reopen a dispute claim and reverse the charges back I dont like this bank at all they havent done anything to resolve the issue
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an ongoing case on unauthorized credit inquiries, i notified all parties and i sent a complaint to you guys before about the same thing, I didnt authorize the now 4 inquiries, what did you guys do? Its been over 30 days, some over 60 Days some OVER 90 DAYS and I still haven't got my issues resolved and soon I'm going to court with this because im not getting any assistance with you and XXXX and this is effecting my opportunities to move forward in life. These inquiries should removed from my report as soon as possible and my any points i lost should be repaired especially due to the negligence. 

XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXXL ( Bank ) XX/XX/XXXX 2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Mortgage

My Husband and I have entered into a contract to sell our home. We accepted an offer and relied on the information that the party was prequalified to purchase our home. The mortgage broker for the buyer did not perform due diligence and verify that they qualified for the loan prior to closing escrow. The day escrow was to close they found various red flags and now we stand to loose out on our deposit on the house we are trying to purchase. There must be remedies for this in regards to companies that prey on people and do not follow through.
Product: Checking or savings account

Credit karma isnt letting me access my money at all.. they ask for verification of my identity. I gave them what they needed and didnt do a thing bout it..
Product: Mortgage

I had recently heard that switching to a bi-weekly mortgage payment can help cut down interest on your mortgage by adding an additional payment each year. The earlier smaller payments would help reduce the amount of interest accruing as well if its not held until the original due date. 

I contacted PennyMac to change my mortgage payment to a bi-weekly payment. I was told I would have to pay my entire months mortgage up front before they would allow me to swap to a bi-weekly payment system. I payed my mortgage 15 days early and wanted my bi-weekly payments to go into effect starting on the XX/XX/XXXX for the upcoming month. I asked the agent specifically if the payments would be effective immediately or if they would be held in an account. I was told they would be effective from the time of payment and would not be held in an account. 

A few weeks later, I am reviewing my payments and see that my first bi-weekly payment has not been applied to any principal or interest. I contact PennyMac again on XX/XX/XXXX and I am told that the payments will be held until the total sum of the bi-weekly payments is equal to the total mortgage payment. I am also told that if I want to cancel bi-weekly payments I will need to pay the full months mortgage in advance again. 

That has put considerable financial hardship on myself and my family. I am simply trying to be a responsible consumer and pay back my debt in a timely manner.