23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Dear Consumer Financial Protection Bureau, I am writing to formally address an ongoing issue I have been experiencing with Avant Card Services. Despite maintaining my credit card account in good standing, my repeated requests for a credit limit increase have been consistently declined without sufficient explanation or transparency. 

I have responsibly managed my Avant account by making timely payments and maintaining a low balance. However, every request for a credit limit increase has been denied, and the responses I have received from Avant have been vague and lacking in detail regarding the specific reasons for these decisions. 

This lack of transparency leaves me unable to understand the criteria used in making such determinations, and it raises concerns about whether Avant 's credit policies are being applied fairly. An increased credit limit would be highly beneficial in improving my credit utilization ratio and helping me manage my financial responsibilities more effectively. 

I would appreciate the Consumer Financial Protection Bureaus assistance in reviewing this matter to ensure that Avant is upholding fair lending practices and providing consumers with clear and reasonable explanations for credit-related decisions. 

Thank you for your attention to this issue. I look forward to your guidance and any action that can be taken to resolve this concern.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called XXXX many times in an attempt to rectify this issue. They are reporting late payments to the CRAs even though the terms were {$XXXX} for XXXX  months. The account was paid off before then. In fact XXXX shows XXXX derogatory months while trans union shows XXXX. The amount due was paid in a lump sum of {$XXXX}.
Product: Credit reporting, credit repair services, or other personal consumer reports

The balance on this account is false and should be removed entirely. The creditor owed a credit to me the consumer for payment they received. Instead of apply the credit to any outstanding balance owed. The creditor kept the credit and falsely charged me, the consumer, with an incorrect charge to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the credit bureaus on XX/XX/22 and XX/XX/22 asking how they were able to verify the bankruptcy reporting in the public record of my credit profile as accurate when the courts do not communicate with the credit bureaus at all. I have requested details and documents of how the bankruptcy was verified, but nothing has been provided and the information still appears on my credit profile.
Product: Credit reporting or other personal consumer reports

On XXXX I filed a complaint with the CFPB about inaccuracies on my credit report. I provided documentation from XXXX, XXXX, as well as TRANSUNION showing THE DEPT OF EDUCATION is reporting 1 account differently to the abovementioned companies causing me grave injury. I'm XXXX XXXX XXXX XXXX and without this misinformation being corrected I XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

RE : PNC BANK , NATIONAL ASSOCIATION, ( " PNC '' ), Mortgage Foreclosure Enclosed herewith are key stated and affirmed ultimate facts from my Appellant 's Brief for the foreclosure proceedings by PNC for which i make this complaint, ( " Complaint '' ), for your investigation of certain improprieties by PNC that have violated and impinged my private property rights as PNC is a holder-in-due-course of a mortgage on my private property located in XXXX XXXX, PA as Lot No. 19, ( " Lot No. 19 '' ), for which i have vigilantly and diligently sought with no success as follows : 1.  The assignment of mortgage documents from the original mortgagee XXXX XXXX to XXXX XXXXk to National City Mortgage to PNC ; and 2. Payment records for the Years XXXX through XXXX that were not provided in order for proving that two principal of {$25000.00} and {$20000.00} were tendered by me during such time frame as the Federal Government searched and seized my records for these payments and/or the records were destroyed when the SFR improved on Lot No. 19 was a total casualty loss by fire in XXXX. 
PNC must provide me the satisfaction piece as the mortgage debt is paid-in full. 
Your assistance in this matter is greatly appreciated.
Product: Mortgage

I sold my property in XXXXXXXX XXXX XXXX My mortgage was with Chase Bank. I'm still waiting on my escrow refund of just over {$1000.00}. I have reached out to Chase about the situation several times. No matter how many times I give them my new address they keep sending it to my previous address. The check keeps getting returned. Everytime I call Chase I am assured that they have made the proper corrections and will reissue the check. It has been six months now and it is very frustrating to say the least. I don't know what else to do to resolve this matter. I'm hoping you can help me resolve this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from XXXX, XXXX, and Transunion and I noticed an unauthorized credit inquiries had been made. 

I contacted XXXX, XXXX, and Transunion, who conducted the inquiry and asked them to remove their credit inquiries from my credit report. 

I request that you investigate the inquiries listed on my credit report to determine who authorized the inquiries. If you find my allegation to be true once your investigation is complete, please remove the inquiries and send me an updated copy of my credit report.

If you find the inquiries referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 

Unauthorized on XXXX : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX US SM BUS ADMIN ODA - XX/XX/XXXX XXXX - XX/XX/XXXX Unauthorized on Transunion XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX Unauthorized on XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX # XXXX - XX/XX/XXXX Thank you for your assistance in this matter
Product: Mortgage

In XXXX XXXX XXXX NewRez/Shellpoint Mortgage changed there billing address and how they could receive payments which resulted in an inconvenience for me and delays in payment processing and they charged me late fees. 
I was paying electronically through my banks payment service and did not notice the change of billing address on the XXXX payment billing statement. The incorrect address caused my XX/XX/XXXX electronic payment to fail and be late and I was charged a late fee. I wrote a letter on XX/XX/XXXX and Shellpoint reversed that late fee for XXXX. In advance to the XX/XX/XXXX payment I updated the Shellpoint billing address in my banks payment system but the payment could no longer be sent electronically as it had been for all my previous payments prior to the address change so my bank mailed the XX/XX/XXXX payment as a check on XX/XX/XXXX ( Proof attached ). Shellpoint said the payment was not received until XX/XX/XXXX and they added a {$81.00} late fee to my account. Then again in XXXX my payment was mailed on XX/XX/XXXX ( Proof attached ) and they said my payment was not received until XX/XX/XXXX and another {$81.00} late fee was added to my account. I called Shellpoint and asked why the payments could no longer be sent electronically and why it was taking so long for my check payments to be processed and they told me company changes had caused an ongoing backlog of their XXXX  payment processing and that I would need to write a letter to have my late fees reversed. I moved up my future payment dates to allow for these delays and I wrote a second letter with supporting evidence on XX/XX/XXXX but they would not remove the XXXX and XXXX late fees.
Product: Checking or savings account

I have asked this company to close this account on numerous times for the past couple years and they will not close the account and report past due payments on my credit file. I was paying XXXX a month for nothing. That is why I asked the account to be closed with no luck, just keep withdraw from my account when they want too.
Product: Debt collection

Requested a dispute be done. Also ask them to provide info how they investigated also the contracts of my signature. Transunion said they don't have that, but yet have these accounts listed on my credit report. I gave them a chance to cure by removing all negative items on my report. Supervisor told me that don't ask. So how can you verify something is accurate if you don't have the signed contract.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payments ) is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance whether reported or not. 
[ XXXX XXXX XXXX XXXX ] I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time. I is my understanding that you must verify these items with the reporting creditor for accuracy.
Product: Vehicle loan or lease

My automobile was repossessed by XXXX ( towing company ) on behalf of Westlake Financial for payments in arrears. The finance company, Westlake Financial and I came to a resolution in which I was to pay an amount as reinstatement. The requested amount was paid and received by the finance company. Westlake Financial customer service department informed me that it will take XXXX to XXXX our for a RELEASE to be issue and that the car was at the XXXX facility, and they will be sending the release to then. Westlake Financial gave me a telephone number for me to set an appointment to retrieve the automobile. The telephone number only instruct the callers a website to set the appointment. I tried to set the appointment but the site states that the vin number of my car did not allow for a online appointment, to call them to set it. I called WLF the lender for another number since the one they provided did not allow for a human conversation, they responded that the number that I was given was the only number that they had. I was left with no option to arrange for the appointment. Approximately 6 days later and dozens of calls with countless minutes with different WLF representatives I was informed that the car was move to a different location to be sold and that I must call and set the appointment, telephone number was provided by the financial institution. For XXXX days I called and was informed by XXXX that the car was not there and that I should inform the financial company, which I did. They claimed that the car should be there and that a released was already issue to them, I called XXXX and finally they acknowledge receiving the car but the release was not received. XXXX after the relea arrived and appointment was set for the retrieval. After inspection of the automobile, I notice that the car was missing engine parts including the original XXXX battery, and some of the parts removed were placed on the passenger front seat. The interior of the car is of light beige leather and I founded stain with what appears to be oil from the parts seating on top of them. The cable that opens the trunk in the event of emergency was cut and placed over the seat as well. The windows of the car were left open at the XXXX facility in the desert ( XXXX ) and the car is full of desert sand, some of it has infiltrated the electrical switches of the windows. The XXXX XXXX XXXX XXXX department suggested that are to be remove and clean or to be replace, failure to do so potentially cause electrical shorts. 
All that I asked is the car be return to me in the order an ] XXXX when they removed it. 
Best Regards XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a new complaint regarding the persistent issue of a fraudulent XXXX XXXX  account ( Account Number : XXXX ) on my credit report. Despite my repeated attempts to have this account removed, it remains on my credit report and continues to cause significant harm to my creditworthiness and overall quality of life. 

My previous complaint ( Complaint Number : XXXX ) submitted on XX/XX/year>, addressed this same issue. However, the response from XXXX and Equifax was unsatisfactory and did not resolve my concerns. Instead, they mistakenly referenced a XXXX XXXX XXXX account, which is unrelated to my dispute. This error indicates a lack of thoroughness in their investigation and response. 

To reiterate, this XXXX XXXX  account was fraudulently opened in my name without my consent. I have already filed a police report ( Report Number : XXXX ) documenting the fraudulent activity. Despite providing this information and repeatedly requesting the original signed contracts for the disputed account, I have not received any satisfactory resolution or response. 

In accordance with the Fair Credit Reporting Act ( FCRA ) Sections 609 and 611, I demand that this fraudulent account be removed from my credit report immediately. If XXXX can not provide signed, original contracts correlating to the account in question, they must delete the items from my credit report. 

The persistence of this fraudulent account on my credit report has severely impacted my ability to find housing and secure loans, causing undue stress and hardship. I urge you to thoroughly review my case and ensure that the necessary actions are taken to remove this account from my credit report. 

Additionally, I request an updated copy of my credit report once the investigation is complete and the fraudulent account has been removed. 

Thank you for your attention to this matter. I look forward to a prompt and favorable resolution. 

Sincerely, XXXX XXXX
Product: Debt collection

SYNCB/SYNC BANK XXXX OPEN DATE XX/XX/2019 BALANCE {$4900.00}, CREDIT LIMIT {$4500.00} PLEASE FORGIVE MY DEBT I WAS NOT TAUGHT WHAT CREDIT DOES AND HOW IT WORKS. I WANT TO BETTER MY LIFE SO I CAN BE ALLOWED TO BORROW AND REPAY LATER IN LIFE
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX Balance : {$22000.00} US DEPT ED XXXX {$3600.00} - tied up US DEPT ED XXXX {$2500.00} - tied up US DEPT ED XXXX {$1400.00} - tied up US DEPT ED XXXX {$7800.00} - tied up US DEPT ED XXXX {$5600.00} - tied up US DEPT ED XXXX {$3500.00} XXXX tied up US DEPT ED XXXX {$1600.00} - tied up US DEPT ED XXXX $ XXXX tied up US DEPT ED XXXX {$4200.00} - tied up XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Just recently a debt popped up on my credit report dating back from XXXXnot ONCE did this agency try to reach out to me, write any letters, or emails, nor provide any phone calls telling me anything about this debt. Upon looking at my credit report it plummeted because They are charging me a little over XXXX dollars. I was never even made aware about this? Is there some kind of law prohibiting this?
Product: Mortgage

My name is XXXX XXXX and again this is a complaint against Bayview Mortgage Company. Bayview called my home owners insurance company which is ( XXXX ) and just decided they wanted to pay the balance of my insurance. I got a email from XXXX XXXX telling me that my home owners insurance had been paid in full and I know I did n't do it they take the money out of my check monthly and it is n't due until XXXX XXXX. XXXX XXXX told me they did n't know why Bayview had called them they did n't call Bayview nor did they send them any information stated that I was late or behind they thought it was strange but went on and gave Bayview my total balance which is XXXX. XXXX XXXX takes my home owners insurance out of my check monthly. XXXX XXXX told me that Bayview paid the balance on XX/XX/XXXX and that they had already taking my payment out for XX/XX/XXXX. Now Bayview already went up on my mortgage from {$470.00} to {$680.00} a month because they paid my property taxes which I was late and I understand that but not raising my mtg up that much. I am still in the process of fighting with them about this cause my check is only {$570.00} bi-weekly how do they think I can pay {$680.00}. I had explain to you prier that Bayview had put me in a escrow and that I had to make up the difference which was {$8100.00}. I got a letter from Bayview denying me to lower my mtg payment they said that I was bringing in {$3100.00} a month I had sent them the months of my check stub they requested and both of them together do n't total this amount. I called them to see where they came up with this figure and no one seems to know or even give me an answer they just keep switching me to different departments. I called Bayview and asked them why they called my insurance company and did this the man laughed and said oh we just thought you wanted this. I asked him why and I cant even pay what my mtg is now he did n't even have a answer for me again no one seems to know anything about why things are happening to me and my house. Please can you contact Bayview and request that they again stop calling my insurance company and to figure out why they do n't want me to stay in my home. I have never been late with a payment not even since they raised my mtg payment but I could only send them {$470.00} instead of {$680.00} for XX/XX/XXXX. Now since Bayview had paid my insurance in full now my next payment is going to be even higher why I just wan na know why are they doing this. My XXXX XXXX is high this is my only home I do n't want to get evicted I am doing the right thing my house is up to code I have never been late in any payments with anyone can your company please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process.I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

MACY 's has reported a result of miscommunication as failures to make payments : I recently returned from a three-year XXXX   XXXX  in a remote area in XXXX and discovered that MACY 'S has reported two late payments to the credit bureaus ( XXXX XXXX, and XXXX ) despite the circumstances surrounding what I consider to be a miscommunication. I had just opened the MACY 's credit card account in the summer of 2017 and was still awaiting the very first invoices through the mail when I departed in early XX/XX/2017 for an overseas military XXXX. I later received all of my late mails as it's usually the case for military personnel XXXX in remote locations and MACY 's invoices were among them. I immediately made the payments and called the customer service a MACY 's to explain the situation. Despite their reassurance, MACY 's still reported the late payments and they have been affecting my credit negatively until now when I discovered the entries when reviewing my XXXX credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

We accepted a request by XXXX XXXX XXXX XXXX XXXX to explore food delivery. During the sales presentation in our home, we were told that the food is grown ORGANIC. Due to health concerns in our home, we were specifically only looking for ORGANIC growers. The sales representative assured us it was organic. 

When we found out through research that it was NOT organic, we met with a representative of the company who explained that the food was raised " free-range '' and " top restaurant quality, '' however the second representative ( a manager ) confirmed our fear that the company does not sell organic food. 

We asked to be released from the contract, and that the provider could pick up the food and a freezer it was stored in at their convenience. We were advised that they could not take back food, but they declined to release us from the contract. 

We placed no further orders, and have left their food and equipment untouched in our garage for their pickup. 

The next time we heard about this is when XXXXXXXX XXXX XXXXXXXX XXXX XXXX passed our account to a collection agency ( CBY Systems Inc. ) which immediately reported it to all three credit bureaus without any efforts to address the wrong. XXXX XXXX XXXX XXXX XXXX and CBY Systems apparently intend to inconvenience and shame customers into payment.
Product: Checking or savings account

On XX/XX/XXXX, I opened a new account with Citi bank. I was informed that I needed to fund the account within 90 days. To do so, I initiated XXXX XXXX transfers from my XXXX XXXX  account, totaling {$480.00}. These funds appeared in my available balance at Citi. 

Additionally, I set up XXXX XXXX transfers from my XXXX XXXX account, each for {$700.00}, to further fund the Citi account. These XXXX transfers were placed on hold and scheduled for release on XX/XX/XXXX and XX/XX/XXXX, respectively. The held funds were not added to my available balance. 

On the morning of Wednesday, XX/XX/XXXX, I discovered that my available balance of {$480.00} had been completely removed, causing my account to overdraft. This happened again on Thursday, XX/XX/XXXX, as more money was taken from my account. 

Citi representatives informed me that the {$700.00} XXXX transfers were reversed, but this should not have affected my available balance, as those funds were on hold and pending. The reversal of the XXXX transfers should not have impacted the {$480.00} that was already available in my account. 

Despite multiple attempts to seek clarification and resolution from Citi, I have not received a satisfactory explanation for why my available balance was affected by the pending ACH transfers. This situation has left me without access to my funds and has caused significant stress and frustration.
Product: Credit card or prepaid card

I get my direct deposit from my job and my income taxes they froze my account and wont allow me access to funds they give me no reason as to why my account was forced or close let but I dont not have access to my funds