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

I have disputed the late payments on the stated accounts. The credit bureaus refused to reverse the late payments..I don't understand how they have verified this..Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous claim that has affected my credit score tremendously..CFPB please step up and fix this ASAP XXXX   XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX,
Product: Credit card

On XXXX, I attempted to pay USPS {$88.00} and was told my Huntington credit card declined. 

That was strange when I new my credit limit was {$11000.00} and my available credit was {$3000.00}. 

I contacted Huntington Bank customer service to make sure because of the Trigger my account was not compromise. 

I was told that after 6 months that with good payment history that I would receive a credit line increase if requested. 

I had not requested a credit line increase at this time. 

When I contacted Huntington Customer Service I was told I would receive a letter.

I did not authorized Huntington Bank to pull my credit only when I applied for credit. I have never been late and I have always made my payments ontime.

I have even paid thousands of dollar more than asked to bring down my credit balance.

I am definitely not a credit risk to Huntington Bank to have reduced my credit limit used my personal information without my permission.

I informed Huntington Customer Service that {$88.00} was declined and my credit limit was reduced from {$11000.00} to the balance I owe on my credit card to {$8300.00} which is unfair to me as a preferred customer of theirs. 

All they could say in a loud voice. You will get a letter in the mail between 7 to 10 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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. 

Account name : XXXXXXXX  # XXXX, Account name : XXXX XXXX XXXXXXXX # XXXX Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX # XXXX, Account name : XXXX XXXX XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

I requested to see the signature that the original creditor has that i became a debtor agreeing to pay this debt. i want to see the bonding insurance you have to collect as a collector incase i choose to pursue further legal action. I want to see the chain of title exist that this debt has from the original creditor to the collection agency that's now reaching out to me. I want to know the date and the amount of money that i officially became in collection with this particular company. i want to see these things because they are alleged debt.
Product: Mortgage

Hello, My mortgage is currently being serviced by Lakeview Loan Servicing , LLC subservicing by XXXX. They are very frustrating to work with I wish I didn't have to work with them. I have submitted my proof of XXXX XXXX owners insurance to them a total of 4 times. 3 times through XXXX  by calling XXXX and having them submit the correct documents, and another time directly through their website and even got a confirmation that I submitted the proof of homeowners insurance. But XXXX is still claiming they need proof of insurance. Every time I try to call them I wait on hold for over 30 minutes and I even try their call back feature and it never works. Today I was on hold for over 1 hour an still never spoke to anyone. I also paid for my XXXX homeowners insurance out of my own pocket, but that I why I have an escrow account, to cover my insurance but it was not paid for by the escrow account. So I need to withdraw funds from my escrow account to cover the money I spent. I also tried to submit a contact form though my online loan care profile but the website is broken and doesn't work. See attached screen shots of website broken, long wait times, website claiming they need my update homeowner insurance docs.
Product: Mortgage

I was transferred to BSI financial from planet home lending while we were in modification process. Once BSI took over they refused to give me an affordable modification but extended my mortgage by 40 years and {$100.00} payment reduction and threaten me to foreclosure. I have been affected by XXXX and was actually XXXX and my self employment business was affected. I am now forced to get social security income of {$2300.00} and My income has reduced and I do side consulting of approx {$1500.00} a month. I can only afford $ 1800approx. Please help. Also BSI had charged me additional fees and interest and late fees and threatens to report my 12 mos delinquent to credit bureaus and foreclosure. 
I have been making partial payment of {$1300.00} per XXXX XXXX lending for the last 12 months and that was very affordable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke to a rep at XXXX  and transunion about the following accounts listed on my report on XX/XX/2022. I filled out a FTC report but it has been over 30 days and they are still on my report. I looked into my credit file a little bit deeper and noticed that none of these accounts are even attached to any of my addresses on the report. I have become extremely frustrated and am not sure what to do at this point. I think my next step will be filing a complaint with the attorney general of my state, but I was told to first try and resolve these unverified reporting accounts with the CFPB. I am hoping this will help to clean up the information fraudulently showing on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX 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 XXXX XXXX XXXX XX/XX/XXXX According XXXX FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card

I believe the account is invalid. XXXX XXXX XXXX XXXX  needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$7800.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$68.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$7600.00} XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

XXXX  of last yea r (   XXXX  ) I noticed a collection on my account  for CommonWealth. I co ntacted the agency to verify the debt. I was told that I did not have an account with them based on the fact that they could not pull up my name, phone number, or SSN for the account listed on my credit report. At this time I disputed the account with the all three credit bureau 's which resulted in a deletion from my report. As of  XXXX  of this year (  XXXX   ) th e account was placed back on my credit report. I once again contacted the agency and was told the same thi ng ( nothing with my information was pulling up ). B ut the collection continues to be reported on my credit report. I have never received any type of correspondence regarding this account prior to it be placed on my credit report, twice now. I do not understand why it continues to be placed on my credit report which has effected my credit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX website stated I can get a pre approval without affecting my credit score. This was not true and now I have 5-6 hard inquiries on my credit reports. I spoke with XXXX the Manager at XXXX XXXX XXXX in XXXX WA, on XX/XX/XXXX and he said that if I dispute the inquiries he wouldnt dispute back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled a dispute with Experian and was unable to get XXXXXXXX XXXX # XXXX removed from my credit report 1.This account was included in my bankruptcy 2.The account was paid in full before I filled bankruptcy I would like to have this account Removed Or be paid {$1000.00} for having my right to privacy violated because I did not give consent to have my information shared
Product: Mortgage

Our mortgage payment to LoanDepot was {$1200.00} all of XX/XX/XXXX. We set up an automatic payment of {$1300.00} per month to cover this. When we received our XX/XX/XXXX statement outlining the payment due for XX/XX/XXXX we were shocked to discover that our payment due had jumped to {$1800.00}. We have a fixed rate mortgage that includes escrow and were never advised of this kind of increase being possible. Our first call was made around XX/XX/XXXX. The loan officer that closed this loan would only tell us to call customer service to discuss. Customer service was not able to give us an answer until our sixth call. During one of these calls we were advised that the website we had been going to was not the right one and that they had just changed their site. Then we were told that our taxes had gone up so our escrow was insufficient for the end of year taxes that were due. Our county assessor advised us that our taxes had actually gone down. We decided to pay {$730.00} to avoid any issues and expected to see our regularly scheduled payment of {$1300.00} come out on XX/XX/XXXX. We were again shocked to see that both {$730.00} and {$1800.00} had been drafted by LoanDepot. On XX/XX/XXXX Several e-mails requesting that someone from LoanDepot call us back ( one to each individual listed when we sign in to our account on LoanDepot.com and one to customer service ) were responded to with requests that we call customer service or e-mail a different customer service e-mail address. One even said that they do n't draft payments!!! We did not want to call customer service because that was how we ended up in this situation in the first place. We did not receive a phone call from anyone so we called. It took 15 minutes to get a live person on the phone. On this call the representative made a similar claim about our taxes going up. When asked whether this kind of increase seemed normal she only said that it could happen. When asked for details about our previous conversation with customer service the agent claimed the calls were recorded but claimed she did n't see any notes about that conversation. We asked that they review that recording to find out if their representative had advised us that the automatic payment would be {$1800.00}. We did not agree to our automatic payment increasing beyond {$1300.00}. The customer service representative claimed that the payment would match the statement and that this was in the documentation about the automatic payment. We asked to talk with someone that was involved in analyzing our taxes and adjusting our escrow and were told that they do not take phone calls but we could e-mail yet another customer service department. This e-mail was met with an automated response on XX/XX/XXXX at XXXX that said our question had been received and we should expect a response within 24 hours. It has been well over 24 hours as of the writing of this complaint and we have not received any further communication from LoanDepot.
Product: Debt collection

Crown Asset Management in XXXX Georgia. Customer Service keeps transferring the call from one person to another. No one answers phone calls, emails, and fax requests.

Direct Line XXXX Going through an attorney and even the attorney could not get through the collection company.
Product: Mortgage

Citizens One Home Loans granted me a COVID forbearance which was to end in a payment deferral as of XX/XX/21. I resumed my mortgage payment as directed yet because their systems were not updated with the COVID forbearance information they reported me delinquent on XX/XX/21 which brought my credit score down from XXXX to XXXX. 

I was told the past due amount was added to the end of my mortgage and would be due at maturity. This was a government program where customers are told it would not affect their credit. They are reporting customers as delinquent when their program ends.
Product: Credit card or prepaid card

I requested an accommodation/modification of assistance with participating in the dispute process related to a fraudulent transaction. This request was made under ADA Title III. The request has been ignored by Discover in violation of ADA Title III.
Product: Debt collection

I have asked for the company to send me something showing the services, as well as to verify the debt. Nothing has been received or validating debt. I called them today to get a date of service, I had successfully disputed this to 2 out of the 3 agencies and it was removed. The lady try to tell me in VA the creditor doesnt have to provide it so it stays valid on my credit report. She also tried to tell me its on my other reports ( as mentioned it was disputed and removed years ago ). On my credit report with XXXX  it shows a date of XX/XX/XXXX the lady claims the date of service was XX/XX/XXXX, so dates arent lining up and who even knows if this is valid ( which it isnt ) they cant even provide any information to prove the account is valid! Its a federal law not by state!
Product: Credit card or prepaid card

I got an email from Capitalone this morning at XXXX PST saying Capitalone had decreased my credit limit from {$9500.00} to {$2000.00}. I have had this card for over 15 years. I grew it from a {$300.00} credit limit to {$9500.00}. They charge me a $ XXXX  monthly fee to keep the card. Thats {$60.00} a year even though they advertise that its a {$39.00} annual fee. Thats a clear UDAAP violation. I let that go and now theyre taking advantage of me again. They are taking advantage of anyone with subprime credit and needs them to build credit. I pay my bill on time. I have 100 % on time payment history and never exceeded my credit limit in spending. I called and asked if there is anyway to remove the annual fee and they said no. I want capitalone to stop taking advantage of me. My credit is no longer sub prime. I am now a super prime customer with over a 750 credit score. Yet, they wont upgrade my card to a no annual fee option. Now they take away my credit limit ; increasing my overall credit usage and decreasing my credit score. We are in a pandemic and they are causing me financial pain. As a result of this decrease, my credit score dropped 50 points. They forcibly converted my account to this {$60.00} annual fee card years ago. Now Im being punished for having it. The rep on the phone told me that Capitalone went through my account and decided to decrease the limit. That sounds like I was singled out and discriminated against. Capitalone is ruining my credit. They wont give me a better credit card with no annual fee and they reduced my credit limit to display power and control against me because I have their subprime card. Even though I am no longer sub prime. Its unfair and abusive.
Product: Credit card or prepaid card

This is the XXXX or XXXX time I have submitted this complaint. HSBC receives my payments and the funds are deducted from my checking account but they are NOT applied to available credit. You people have done nothing to help me resolve this continuing problem. I am asking you to do an audit of this company to determine where and how the funds are used when they are not available to me. I expect to see some action on a thorough audit. In the meantime I intend to contact my congressman to make him aware of your total inaction in this matter. I expect a communication forthwith informing me that an audit has started. Do not ignore me again. I expect action not just an e-mail telling me the company has been contacted. WHERE IS MY MONEY?????
Product: Debt collection

In XXXX of 2018 my wife and I started the process of buying a house. Before we started the process, my credit score was in the high 700s but when my credit credit was run for pre-approval, it had dropped over 20 points because a collection was added to my credit report that I had no knowledge of. They claimed that they have attempted to contact me but they never had as I have never heard or received anything from them. The debt stems from a bad check my daughter wrote an apartment complex for an application fee. I was a co-applicant on the form but was not responsible for the payment as I live in Colorado and the apartment complex was in South Carolina. According to South Carolina law, they should have filed a complaint against the person that wrote the check, which was not me. I have asked for them to provide me with anything that shows that this debt is mine but they are trying to say that I am responsible regardless and that I need to file a fraud report with the police before they will release me from the debt. I gave them the information to contact my daughter, at least the last known information. I filed a disputed with the credit bureau and it has been removed for now but I know that this company will not stop and this Ill happen again. It should be illegal for someone to report something on your credit report with no proof of the debt actually being yours and no attempts to contact you. Any assistance you can provide will be greatly appreciated.
Product: Bank account or service

I opened my account on XX/XX/2016 and funded the account on XX/XX/2016. I opened it with Promo Code - XXXX ( XXXX ) and that promotion stated. " There will be a bonus of {$400.00}. To get the bonus you must either open the Citibank account package and the Citigold account package and deposit {$15000.00} of new to Citi funds within 30 days and keep it there for 30 days. The bonus will be deposited within 90 days from the date that you meet the requirements. '' It is well past the 90 days and I still do n't have the {$400.00} bonus. I have contacted Citibank several times and I continuously get the runaround on the bonus. I was told I did n't have a XXXX but I have sent that XXXX FIVE ( 5 ) times to them at - CITIGROUP XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX which is the address Citibank provided to me. They show that it was received but keep claiming that the SSN does not match my bank account name which is a LIE. I then send it a 6th and 7th time of the XXXX WITH a copy of my driver 's license, a copy of my SSN, and a copy of my tax return. All items match with my SSN on the XXXX form. I feel that Citibank is doing EVERYTHING POSSIBLE in order to avoid giving me the {$400.00} bonus EVEN though I have met every single condition of bonus offer. It is now XXXX and it has been over six ( 6 ) months since I have opened the account and left the {$15000.00} in the account without a penny of interest or the bonus. Can you please investigate this matter? I have XXXX this online and Citibank is KNOWN for pulling these illegal shananigans in order to keep from paying the bonus they promise to their customers to get them to place money into their bank.
Product: Credit card

American Express XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Ref : XXXX Dear American Express I applied for an american express platinum credit card on XX/XX/2023 and got denied. Regardless of the reason for being denied, I have the right to credit. Withholding my access to my securities is securities fraud. You are violating the Equal credit Opportunity Act and Consumer Credit Protection Act. 

Since you are denying me access to my credit, please retract my application. 

Thank you,
Product: Student loan

I'm from XXXX  I enrolled at XXXX XXXX XXXX in XXXX XXXX  in XXXX  by a representative that came to my high school she said I would be able to receive a degree in XXXX  as I attended I was informed XXXX XXXX XXXX lost there accreditation and I would not be able to graduate as a XXXX. I was informed the school is shutting down I was not from XXXX I had no family there the apartment they put me in was nothing like they said it would be when they came and recruited me from high school there were bed bugs and I had to pay to stay there even though I was told everything was being taken care of prior to getting on a plane. Going there everything was different from what I was told. A balance of XXXX is reflecting from this school even though they shut down please remove as soon as possible it is effecting me from continuing my education.
Product: Checking or savings account

I call wells fargo XX/XX/2024 about my account that they have double charged me and in the middle of me asking a question the customer service rep hung on me. I just don't understand i been with them so long and now I'm just now having major problems with the company. It should not 10 business days for me to get my money because it took like two seconds for my money to be taken out my account. Also they need to the fees are ridiculous i will be changing banks this time.