23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I applied online for a Chase credit card on XXXX XXXX 's site because it was advertising low APR interest rates & 0 % for 15 months on transferred balances for individuals with good credit ( my Credit score is XXXX ). Within a few days I received letter informing me I was approved, however not all the account balances I requested transferred were granted because of the line of credit the CC Bank provided was n't high enough to cover the total amount so only XXXX of the XXXX accounts was totally transferred, leaving the second only partially transferred. If I was informed that my request could n't be granted I would have cancelled the application but they did n't offer this option. However In their letter, they stated I could request a high credit limit if I wanted the remaining balance transfer but they would need to pull another hard credit report request ( less then two weeks from their previous request ). I refused. Next the new credit card came attached to a typical form letter instructing how to activate the account and the disclosure statement describing how they used my credit score to determine both my ( risk ) Interest rate and line of credit amount. This where they posted my credit score they claimed I had with XXXX was XXXX contrary to what I have ( XXXX ) from XXXX seen through my account during the same period of time and company.. I contacted them requesting documentation proofing their claim of my credit score being XXXX. After four hours of being passed to XXXX different departments and talked to XXXX different people all claimed I needed to contact XXXX to straighten out this issue. I told them it was extremely unlikely that XXXX would be able to fix Chase 's errors. They as so refused to send me a copy of my credit report they claimed to have with XXXX on it. My opinion of the credit application process banks are perpetrating on consumers is predatory in nature do to the secrecy and concealment of the claimed facts by which they are manipulating the rules to favor higher rates and ensnares consumers into an agreement without knowing what the terms and conditions are until after they have made them and invoked the agreement before it could be reviewed. This leaves consumers without a fair remedy to cancel or refuse the approved application without further investment in ; time, costs, and costs to their credit score. We consumer need to have the right to refuse an offering if it does n't meet our needs before the agreement engagement, not after. This act, in itself, is a tactical form of predatory lending by the banks, is it not? 
Thank you
Product: Mortgage

I first received a loan modification from Stonegate mortgage on XXXX 2015, at this time my payment was going to be XXXX, estimated then went up to XXXX after I had signed the new paperwork at the XXXX payment, they agreed this was their mistake and each time they told me I could fill out a loan modification packet to get my account current again after i kept complaining that the payment was not what I agreed upon. Now for the past year I have been filling out loan modification paperwork maybe four our five times ( different packets ). Each time I am told I missed the deadline. I even had it certified mail and the packet was there on time, they said oh no you missed this, after I was told what I needed to send in and my packet was complete, either by mail, or phone or email. we dont understand what this docoument means, this needs to be certified, the bank statements are not current, the payroll is not current. i now received a letter of default, the XXXX one today. I know I am doing my part getting the paperwork in. I talk to people on the phone and we go over everything, that is needed. I resend it, but sometimes when I am on the phone the person says dont worry about that it is more then sixty days old. Then I talk to someone else and they say oh no you need to send it. I have yet talk to a person that is handling my case, only someone that looks at the paperwork and checks the documents. I am thoughly stressed, and upset. I am doing my part and they seem to not care. The last modifcation to me was totally wrong, after I signed the paperwork they then added on escrow and insurance, ontop of my new mortgage amount. I complained to anyone that would listen. Now I am stuck with a year of resending the same paperwork over and over and it is like a huge game to them. Is there any protection for the consumer? IF you have any answers on what I need to do or who I need to turn to please let me know.
Product: Credit reporting, credit repair services, or other personal consumer reports

I began to work on my credit in XXXX and noticed that XXXXXXXX XXXX XXXX  was reporting an account from a previous lease at XXXX XXXX XXXX in XXXX, Michigan. I moved out and after a shooting occurred that caused damage to my apartment. I requested that the repairs to the property be made directly after this incident. It took the property management nearly two months after the incident to make repairs. This did not happen until nearly XXXX of XXXX. At that time due to personal safety, health, and mental health concerns, I left the property and gave notification in XXXX. I allowed an appropriate time for resolution and repairs. Because the property management failed to provide a " safe '' and " inhabitable '' living space, I gave written notice of my wish to terminate my lease. It was only AFTER I submitted this written request that repairs were performed 3 days later. 

Their failure to make the space " safe '' after a shooting, as well as " inhabitable '' after the shooting in a timely manner is a CLEAR violation of the Michigan Landlord and Tenant Rights. Because of this violation, I demand that my previous lease be broken without any financial and/or credit worthiness penalty to me. And removed from ALL CREDIT REPORTING AGENCIES.
Product: Mortgage

I am attempting to refinance a rental property with a mortgage lender. I paid {$800.00} for the appraisal. I was advised that the numbers the appraiser came up with does not accurate. I was then told that someone from their company completed a collateral data analysis and the amount that they came up with would be more accurate of what the home is worth. The difference with the appraised amount and the analysis is {$28000.00}.

This looks a lot like redlining to me. They are not using the appraisal that I paid for. This lender hired this appraiser but refuse to accept what he/she has valued the property.
Product: Debt collection

Th e Allied Interstate, LLC, its e mployees, agents and servants are repeatedly calling me at home, cell phone and work place, and harass me for debt and or the individual I do not have any clue. In the past the individuals of  Allied Interstate, LLC  were repeatedly informed not to call me for a debt I do not have any connection. On or about    XXXX   XXXX   XXXX       Allied Interstate, LLC,  its employees, agents and servants called my work place, spoke my supervisor and  administrator  and threatened to take action for the same debt I do not have any connection.   I have requested to Federal Trade Commission and Consumer Financial Protection Bureau , ( Cfpb ) a nd requested to take action against,  Allied Interstate, LLC,  for this fraudulent debt, in violation  of 15U.S.C .  1692e ( 2 )  ( A ), threatened to take an action that can not legally be taken or that it did not intend to take, in violation  of 1692e ( 5 ),  and used a false representation or deceptive means to collect or attempt to collect a debt, in violation  of 1692e ( 10 ).     Allied Interstate, LLC a nd its alleged clients unknown to me were involved in Unfair, Deceptive, or Abusive Acts or Practices, ( UDAAP ) in Collection of Consumer Debts, and failed to comply with any obligations they have under FDCPA, in addition to any obligations to refrain from UDAAPs. Under Dodd-Frank Consumer Protection Act ( Dodd-Frank Act ) , Allied Interstate, LLC  and its clients are legally required to refrain from committing, UDAAP.    Allied Interstate,  LLCs UDAAPs caused significant financial injury to us as consumer, erode confidence, and undermine fair competition in financial marketplace.    Allied Interstate, LLC under Dodd-Frank Act invo lved in collecting debt related to any consumer financial product or service are subject to prohibition against UDAAPs in the Dodd-Frank Act.  See Dodd-Frank   Act, 1002, 1031 & 1036 (  a ), codified at  12 U.S.C. 5481, 5531 & 5536  ( a ). It is prohibited for any person, to knowingly or recklessly provide substantial assistance to a covered person or service provider in violating sectio n 1031 of the Dodd-Frank Act. See 1036 ( a ) ( 3 ), 12U.S.C. 5536 ( a ) ( 3 ).
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate. 
XXXX, XXXX Account # XXXX
Product: Credit card

Citibank has repeatedly lowered my credit limit despite no changes to my credit score or credit usage - I pay more off, they lower my limit. I pay more than the minimum- they lower my limit. My income has increased- they lower my limit. I filed a complaint earlier in the year with this agency, it was passed along to Citibank, they reviewed it and immediately denied the request to restore my credit limit. They are actively harming my credit score by repeatedly lowering my limit to make it appear I am using more credit - its been cut in half over the several years Ive had the card, despite no late payments. They also lower it shortly before the statement closing date so I hit the limit when they tack on interest. 
I believe they are targeting me because I have an Armenian last name, an XXXX group Citibank has been accused of discriminating against. 
https : XXXX
Product: Mortgage

My service provider XXXX sold my mortgage loan to Nationstar in XXXX of 2014. I have been having issues with the way they allocate my monthly payments to my account. The applied portions of the payment to principle and interest is not being done as it was with the former provider. I have also gotten statements that show no amount due for the months of XXXX, XXXX, XXXX, XXXX and XXXX. XXXX was the only month there was an amount due shown. When I called the customer service about it, I was told they would check it out and have it corrected. I sent an e mail to their research department and got a response saying I did not make a payment in XXXX and the account was overdue. How can an account be overdue if the statement shows no amount due. I have spent several hours on the phone with their customer service and loan specialist with no satisfactory resolve to the issue. I need to know what to do to get them to correct the way they are handling my account. Please advise me on this matter and let me know what kind of documents are needed to pursue action and resole the issue. This was originally a home equity line of credit account which the provider is no longer honoring the line of credit portion. I did not authorize any changes to the original loan terms, but the new provider is not following the same procedures as the original provider when it comes to billing and accounting.
Product: Debt collection

I was balance billed for a medical bill and was told that all prices would be for in-network pricing. Date opened was XX/XX/XXXX and was reported on XX/XX/XXXX. I settled the price with the medical office and they still sent my information to collections. The name of the debt collection office is Transworld Systems.
Product: Credit card

I have an account with Aspire back in XX/XX/2024 they cancel my account. They still billed me for annual fee in XX/XX/2024 and monthly maintenance fee every month. I notified them about my financial situation and they refused to help me. They told me they didnt have no program to assist me with my financial crisis.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my current credit report from your bureau, I came across the disputed items, and I don't think they are 100 % correct. Please investigate and correct the unlawful behavior immediately. 
Below are the list of the Items : ( XXXX XXXX XXXX XXXXXXXX ***** Opened XX/XX/XXXX Balance {$1700.00} ) This account is in fact registered as a charged off account ; I highly recommend you make me aware the actual reason why there is a balance detailing on the file whether it is a charge off? The account balance is in fact erroneous, please make sure you turn it to 0 or remove the item absolutely. Please also furnish documentation to confirm all the charges and credits with this assumed account that led to the maximum credit figure you might have showing on my document. My request to render these records is seen as a standard information inquiry based on my rights given from the fair credit billing act. If you can't provide these details per my civil rights request, give pleasure to straightaway eliminate this kind of incorrect entry. 
( XXXXXXXX XXXX  ***** XXXX XXXX, XXXX XXXX {$0.00} ) Evaluate this reporting by making a revision of the information provided. There is an existing balance on the account, and indicates that it was a charge off account? Modify and perform any corrections or withdraw this from my personal file. 
( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$120.00} ) This account evidently has a communications debt. In order to do so please provide your FCC identifier number and send the documentation that this in fact belongs to me and on my credit report. Because as I see it is not as it is clear they are attempting to collect on an out of statute debt. Please investigate and correct the unlawful behavior immediately.
Product: Money transfer, virtual currency, or money service

Paypal got my funds amounting to {$71.00}. They say that I can withdraw it after 180 days, but my balance is now {$0.00}. They withdrew it ( Paypal ) already.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

NATIONAL CREDIT SYSTEMS XXXX. XXXX XXXX XXXX, GA XXXX Is reporting and unknown debt of {$4500.00} wolfcreek appartments to all 3 major credit bureaus in an attempt to collect a debt. I didn't receive any 30 day notification to of debt collection prior to reporting it in order to dispute it according to my rights under the FDCPA. Debt Collection Agencies are required to notify me by mail at a current address 30 prior to validating the debt. This is not and acknowledgment of this unknown debt collection.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor remove disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Consumer Loan

In XXXX I inadvertently paid one of the two car loans that Ihave with Hyundai XXXX. When I discovered the error in XXXX, Icontacted then and requested a one month extension for theloan I paid XXXX in an effort to pay the loan that I missed in error. 
They agreed and said they would send me confirmation. I receivedthe confirmation XXXX/XXXX/15 and I received a collection call that day. 
I explained to the rep that I had just received the letter andwould fax it in Monday. He informed me that I had to send itright back or it would n't be enforced and that I could n't do it beforeMonday because that particular office was not open on theweekends. I agreed and he indicated he would not it on my account. 
Every subsequent day after that I received abusive calls about thesame thing. I told them that I had already spoken to themseveral times and did n't need to be reminded every minutethat I had to send the paperwork. My bother passed away andwe were taking care of family business during these harrassingccalls. It was not necessary and I take issue with be harassedso vigorously. Prior to my error, I paid my bill EVERY month. 
Not to mention, this account is not even XXXX days past due. I amvery upset and feel they should be held financially liable. I wantthem to have to recind the entire amount of the loan. I recognize t that they have to protect their interest, but I have to protectmy sanity. They were totally out of line and this shouldbe made an example of waiting a few days to see ifI do n't live up to my obligation.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 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 XXXXXX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

Last XX/XX/2022, my credit score dropped XXXX points. I checked and a company called Mutual Management Services reported an account on my credit and said that I owed {$2200.00} to an apartment complex. I advised them that I did not owe that to this company. I provided proper notice and moved out because of maintenance problems. However, in an effort to remove it from my credit, I paid the company {$960.00}. They never gave me credit for paying the {$960.00}. Each time I dispute the account, the collection company reports to the credit bureau that the account is accurate. I am requesting a copy of my signed lease because I do not believe that I owed any one the money that this collection company claims. I believe that the maximum I would have had to pay would have been an early termination fee and I have paid that already.
Product: Credit reporting or other personal consumer reports

I want to inform the TransUnion and XXXX Credit Bureaus XXXX XXXX that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) TransUnion and XXXX CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX BANK XXXX XXXX XXXX BANK XXXX
Product: Debt collection

XXXX with Evergreen Services called me from XXXX. He called me AFTER he called my friend and mother looking for me.
Product: Credit card or prepaid card

Wanted to take advantage of an advertised promotion Chase had for the Sapphire XXXX card, where they offered a XXXX point bonus for spending {$4000.00} in 3 months. I had called and checked with them to see if I was eligible, as I already had a Sapphire Reserve card and knew that you could only have one Sapphire card with Chase at a time. Under the advisement of the agent, I was told to downgrade my current Chase Sapphire Reserve card to a Freedom level card, which I did. I was told that since I opened the Sapphire Reserve card 48 months ago with another promotional offer, I would be eligible to receive a bonus on the opening of this Chase Sapphire Preferred card. THESE CALLS WERE ALL RECORDED AND MONITORED! After following their instruction and guidance, my application for the Chase Sapphire XXXX card was declined because the system still thought that I had a Sapphire Reserve card. Again I called and was told that I would need to wait until my next billing cycle was over to ask for reconsideration - keep in mind I was never told this initially - and they said I would still be eligible for the original promotion that had since expired since my application was still submitted before expiration. I called for reconsideration in the time frame I was advised, and was told that I was not eligible for the promotion, after all that. I was told that the previous agents misinformed me and would receive better training in the future. How can a financial institution have this level of negligence? I understand this issue is about points, but this is a financial institution that should NEVER give incorrect information to consumers. The only possible reasoning is that they are willing to play games and give the run around to consumers who are taking advantage of the promotions that they are offering. If that is the case, they shouldn't offer promotions anymore. It's false and misleading advertising along with a nefarious business practice to bait consumers into applying for more credit accounts under false pretenses that there is a prize of bonus points waiting at the end of the process, which they never intend to award.
Product: Credit card or prepaid card

Comenity Banks system is completely down. I have been unable to access my accounts to view charges or make payments. The system does not allow me to log in using my log in details. I have several credit card accounts with Comenity Bank and all of them are not accessible. They have provided a generic prerecorded message when I call they have a system outage that has lasted longer than expected. They also have a similar message on their XXXX feed. I do not know my balance, nor can I see my recent charges and I am unable to make a payment.