23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX Rushmore Loan Management Services sent me a notice that my home equity loan amount was being reduced to {$22000.00} citing an increase in my home 's value that they say caused the loan to value ratio to go below 20 %. I asked Rushmore for the math that determined the loan to value percentage that caused this change and for a copy of the appraisal/broker opinion via phone on XX/XX/XXXX, in writing that same day and via their on-line message center. I also messaged them on XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

When I called no one I spoke with could explain the math. In response to each internet message I sent them I received a version of this standard response : Thank you for bringing this matter to our attention, we sincerely apologize for any inconvenience this may have caused. 

Your secure emailed message is currently under review. We realize the urgency of your inquiry and we appreciate your patience. We will have a written response to your concerns. Should you have any questions, please feel free to contact our office at Toll Free XXXX, Monday through Friday XXXXXXXX XXXX. to XXXXXXXX XXXX Central Standard Time.
Product: Money transfer, virtual currency, or money service

No safeguards in place when I went to send money. And once money was sent, I wasnt able to recuperate it.
Product: Credit card

I returned the XXXX also have proof of the return. The store sold me a defective phone and pay pal said they were going to refund my money under buyer protection policy they have to protect buys from being sold defective or not as described items but turned around and denied to honor
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX. My husband is a XXXX XXXX. He sent me a XXXX XXXX XXXX in the amount of {$3500.00} back in XX/XX/year>. He ask me to give the money to his friend XXXX XXXX. I signed my check over to XXXX XXXX. He deposited the check into his bank account at Bank of America ( BofA ). They called me to make sure the check was not stolen. I spoke to the representative at BofA and assured them that the check was not stolen and that I endorsed it and gave it to XXXX XXXX. I thought everything was fine. But days later, XXXX XXXX called me to let me know that they put a hold on the check and his bank account. The bank told him that they were investigating the matter. They later told him after I believe they found out the check was good that they were going to close his account and send the check back to the XXXX XXXX  They further told him that I would have to contact the XXXX XXXX to make a claim to get the money back. He received his money from his closed out account by his bank. I contacted the XXXXXXXX XXXX  but I was told they I could not file a claim because the bank did not send them the {$3500.00}. I asked XXXX XXXX to contact his bank again and have them return the funds so I can place my claim. He tried calling them again after making numerous attempts to resolve the matter only to be told that they can not discuss it with him because his name is not on the check! I am so frustrated and upset that Bank of America is completely giving the run around for money that DOES NOT belong to them!!! Can someone from your agency please help me with this matter and get The funds returned to me? I would greatly appreciate it. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Product: Debt collection

The debt owed to XXXX XXXX XXXX was settled on XX/XX/23, over a year ago, through XXXX. However, a year later, CONSUMER ADJUSTMENT COMPANY, INC, a different debt collection agency, has erroneously attempted to collect the same debt. Their actions have negatively impacted my credit by falsely reporting the already resolved debt, resulting in a drop in my credit score, loan denials, and higher interest rates. Despite informing them in advance that the debt was paid, they persisted in their collection efforts. I am now seeking compensation for the damages caused by their actions.
Product: Credit reporting

We are trying to dispute items on my credit report that are involved in my son 's bankruptcy, filed on XX/XX/2015. In order to file a dispute, they require you to provide copies of your driver 's license, social security card, current bank statement and utility statement, plus another form of ID such as your birth certificate. They require all of this information to be sent through the mail, which opens up a very large door for identity theft. I do not believe it is safe to send all of these items through the mail and have never been required to submit more than two, whether physically or electronically. I refuse to put myself at risk, while understanding the need for verification. We ask for an alternative, or acceptance of two forms of identification, in order to have these disputed items removed.
Product: Checking or savings account

I noticed numerous duplicate charges from XXXX XXXX XXXX on my bank account. I disputed the duplicate charges on my account with my bank. I received an email asking me to cancel the dispute with my bank and was told that disputes are a breach of their terms and conditions and can affect the status of my account permanently. ( attached ) I responded and let them know that I would cancel the dispute with my bank if they would do the right thing and give me my money back for the duplicate charges. When I tried to login, my account was deactivated. I then received emails from their sister companies but the emails came from XXXX ( attached ) telling me that I have violated their terms and conditions and they have permanently banned my account. 

At XXXX XXXX XXXX  you purchase gold coins ( I suppose it would be a service because it is not a product that you can actually touch ) and then you play games with those gold coins. Because I submitted a valid dispute for duplicate charges on my account, XXXX XXXX XXXX has now deactivated and banned me. I no longer have access to the XXXX XXXX  ( services ) that I purchased. I want my money back for the billions of gold coins that I have sitting in my account and have no access to use them. I paid for something and I do not have access and can not use their service. 

I have tried to explain this numerous times but Chime does not understand or have any questions, please let me know and I will do my best to explain it better. 

They denied my claim and stated that I did not give them enough information to move forward with my claim, they asked for the purchases that I made vs the duplicate charges - I send this to them numerous times. All I receive is a blanket response that I should submit a rebuttal and every time that I do they say they don't have the information they requested which they clearly do have.
Product: Debt collection

Stanislaus Credit Control is  attempting to collect on debt that I never established a contract with them on. Without a contract there is nothing legally binding me to pay this company any money.At this time I will also inform you that if your offices have reported invalidated information to any of the  XXXX  major credit bureaus (   XXXX   XXXX   XXXX   XXXX    )  this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports.  Stanislaus Credit Control is in V iolation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character and th e HIPPA La w!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

LATE PAYMENTS BEING REPORTED DUE TO FRAUDLENT ACTIVITY not done by me. I had two credit cards with XXXX  XXXX, during my XXXX XXXX these cards were closed due to " fraudlent activity '' I was only notified of this after applying for a home loan, I called XXXX XXXX numerous times since I became aware of the situation to try to rectify the situation over a period of months, every time I call the customer service line I get a different story. I was told my account was not closed to fraud but due to returned payments to which I never received any notices of any account closures or returned payments. I am XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and no help has been extended to me to fix the situation then I was told an investigation was done an there was nothing I can do and their decision is final. One representative told me that if I pay the accounts off in full the derogatory information ( late payments ) would be removed and the account would remained continue to be closed, this was not the case and was a complete lie after I paid in full. My credit report still shows 4 30 day late payments and 4 60 day late payments. I called them to do as they promised, I was told that the only way payments in full would be requested if I wanted to reopen credit cards and that information that the representative shared with me was wrong and I can file a complaint internally but the late payments would remain. my question is how can I be responsible for charges and late fees that was considered fraud but then they say my account status changed and my account was shut down due to returned payments, to which I wasn't notified of this either. This is destroying my credit. I have paid the closed balances off in full and they are insistent on reporting fraudlent late payments, it is not my fault that their customer service representative was not properly trained and gave out improper information. I am requesting that XXXX XXXX remove any accounts from my credit report, completely or remove the fraudulent late payments. It provides them no benefit to report this since I caused them no loss and paid the accounts in full.
Product: Credit card

I was given a {$10000.00} credit line and have paid ahead and paid it on time for the time I have had it, but bank of america reduced my credit line which will affect my credit score and they know it.. My scores are still XXXX and should not have had this happen. 


CREDIT LINE REDUCED Account number ending in XXXX Bank of America Unfortunately, on XXXX, we reduced the credit line on your credit card account ending in XXXX. 
We wanted to let you know about your credit line change as soon as possible, and we apologize for any inconvenience this may cause. We want to make sure you understand how this change could affect you and what you can expect. 

We'll be sending you a separate letter by mail to explain why we made this change. Please read it carefully. It provides you with more detailed information. 

What the change means : Your new total credit line is {$7300.00}. Your new cash credit line, which is a portion of the total credit line, is {$1200.00}. 
If you had any pending checks, balance transfers or direct deposit requests on your account that if paid would exceed your new credit limit, they may not be approved.

Your account remains open and your current Card Agreement remains in effect. 
This change does not have any effect on your account status or benefits. 

Learn more about understanding and improving credit by visiting XXXX XXXX XXXX, which provides tools and information to help you manage your money. 

Legal disclosures and information Contact Us | Privacy & Security You're receiving this servicing email as part of your existing relationship with us. 

Bank of America, XXXX XXXX XXXX, XXXX, FL XXXX. 

Bank of America , N.A . Member FDIC. Equal Housing Lender XXXXXXXX Bank of America Corporation. All rights reserved.
Product: Payday loan, title loan, or personal loan

I applied for a quick payday loan for {$1200.00} to have it paid off they are charging 642.59 % APR. Which I feel is an unfair rate for such a small loan. i can pay off the XXXX but do not wan na pay over XXXX XXXX dollars interest
Product: Debt collection

I left XXXX XXXX XXXX  in XXXX VA IN XXXX of 2018. We had free XXXX XXXX and now I have a bill I know nothing about. Now Franklin Collection SV wants {$94.00} and flagged my credit reports for a bad debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an unverified account from XXXX XXXX XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX XXXX XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Debt collection

A company called  XXXX   XXXX  license number  XXXX  called and attempted to collect on a credit card account from    2003  that was paid in full with the company Washington mutual via a settlement. I asked for a debt validation letter and they proceeded to call family members leaving detailed messages about my supposed debt, which also is n't real. They have caused me embarrassment and have defamated my character. This is completely unacceptable.
Product: Credit reporting or other personal consumer reports

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following account must be deleted from my report, XXXX XXXX XXXX XXXX Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Thank you, XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am unable to close my checking or savings account because they refuse to close it.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern ... ..I have done a number of investigations on my credit report and notice several issues...... I have also maintained a subscription with XXXX so i can manage my credit report ... ... Im constantly harassed with promotion to add to a already expensive subscription., and still there are multiple errors, misspelled names, wrong addresses, and accounts. This unfortunately is my fourth attempt with this company ... .U nder 15 U.S Code 1681 e ( b ) and 15 U.S Code 16811 ( 5 ) these accounts are in violation of not reporting 100 % accurate information. The credit reporting agencies stated these accounts were investigated and came back verified. This is obviously not true for there major errors, several inaccuracies ... ..As a consumer I request all the steps your agency took to insure these items were % 100 accurate under 15 U, S.C S 1681 ( 7 ) Method of verification description of reinvestigation procedure. 
Accounts- XXXX  XXXX {$2000.00}, Accounts-XXXX XXXX= {$2600.00} XXXX XXXX {$5200.00} AccountsXXXX = {$12000.00} Account XXXX XXXX = {$4200.00} Accounts-XXXX XXXX= {$1000.00} Please delete these errors of my credit report ....
Product: Mortgage

I went through a pre-approval for a loan with wells fargo for a home that is being built and i was advised by the builder they were a preferred lender which is only reason i used them to begin with. The representative went through our pre-approval and everything was perfectly fine and as we moved through the process we got to a point where she was telling us about a rate lock which we advised her we were not interested in doing because the rates she provided seemed higher than the current rates being offered by the bank at the time. She seemed upset about the fact that we were not interested in the rate lock and a few days later contacted us to let us know that our loan was denied and she couldn't do anything to help us and she would advise our builder accordingly. My husband who has experience with mortgages advised me that this was not standard procedures as she did not provide any explanation for the denial or even come back with any conditions of approval from the underwriters which is normal procedure especially for loan that isn't due to close for at least another 4 months when the build is complete. My husband spoke to her and after asking several times the only information she gave was that my debt to income ratio was too high which made no sense since nothing changed in finances or credit score since pre-approval. The whole situation didn't sit right with us so my husband contacted her supervisor who was able to find some surface information to advise that our loan processor advised the underwriter that i was on XXXX  leave from my job the year before and my income went down. I was on XXXX  leave however with my job that did not affect my income as i was still paid 100 % of my normal income. They did not even ask for any additional information or offer us the option to put any additional money down or even add a coborrower to the loan. Instead she assumed that we had no such options and went as far as to tell us we were buying more house than we needed to buy. She discriminated and used my XXXX  to try to get my loan disqualified because i was not willing to pay for a rate lock on a loan she added points to. No options were provided and no attempt made to assist us to get approval even when based on her pre-approval we previously almost {$60000.00} in deposits which we stand to lose without being qualified. Which wells fargos record of discrimitary loans some light needs to shed on this and process put in place to prevent this from happening to any other minority family. The same process of assessing conditions and fixing them and process without prejudice should be offered to every applicant and not offered at the discretion of any individual of that lender
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been having difficulties communicating with transylvia regarding inquiryou got an inquiries on my report II have been notified by XXXX that my email addresses have been found on a dark Web I have to recourse them to lock my credit report but translate it is not offer me these services and these increases are becoming the buildup have 20 inquiries in the last 4 months for transjunior Despite me reaching out to email and no asking for proof of equity they they refuse to either submit the proof or delete the increase regardless of my protection for identity theft and the problems I've been having with it I have notified XXXX and experience which was no problem they didn't investigation and he found that the increase was indeed not mine they removed it immediately immediately TransUnion refuses to And they refuse to supply me with the information that is be quiet to prove such credit increase is indeed valid I am being flagged flag as critics seeken chicken and I am not able to receive any assistance because of this report I am being denied and the reason stated is transjunior 2 is transjunior too many inquiries on my report within the last 12 months I don't even know how 20 inquiries is able to get on one report but not the other 2 I am aware that different companies request and different credit views but this seems to be a bit much and then I try to work with me I've submitted form XXXX and they have not responded I've sent them correspondences certified male for this XXXX disputes that they accept and Put online service that I used to send certified mail They have received my letters and when I called they told me they have not I am not understanding why they are Is not trying to investigate or help me help a situation XXXX but now I have no other choice but to reach out and to respectfully ask for help
Product: Credit reporting or other personal consumer reports

I checked my credit report and seen a few accounts that I don't recognize that is impacting my score.
Product: Credit reporting or other personal consumer reports

I dispute this account XXXX  account # XXXX XX/XX/XXXX Experian failed to add the notice of dispute to this account in the time allocated its my understanding that have 31 to do so and the they dont it is a violation. In which I can sue.
Product: Credit reporting or other personal consumer reports

I am a victim of Identity theft. I submitted TransUnion my dispute letter along with my credit report with all of the Fraudulent accounts circled, a copy of my FTC Identity Theft report and proof of identity, along with a copy of section 605B of the fair credit reporting act. TransUnion did not block any information on my credit report with the four business days require by the law, Transunion failed to do an investigation of this matter in the allotted time frame. I called TransUnion numerous of time trying to get someone to follow and abide by the law, to investigate and or try to fix this issue. TransUnion negligence has cause tremendous emotional distress for me and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Reported ID Theft In XXXX of XXXX In XXXX AZ I never lived in XXXX Arizona at any time, XXXX Still has this Address in my credit report and other False information in my credit report I have had a bank account With XXXX from XX/XX/XXXX until XXXX at witch time I had closed that account Because XXXX also denied me credit because of that information. I Have been On SSI from XXXX and had direct deposit set up for some time and XXXX was aware of that.I have also been denied access or opportunity to change my information, and denied Credit because of information that XXXX Provides