23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am writing to file a formal complaint against Amegy Bank regarding their handling of my business credit card application. Despite initially approving my application for a {$25000.00} credit card, Amegy Bank rescinded their decision without providing any explanation. 

On XX/XX/year>, I submitted an application for the XXXX XXXX XXXXXXXX XXXX XXXX with Amegy Bank. After review, the bank approved my application and provided me with the necessary disclosures via XXXX, which I promptly signed. Additionally, I submitted my signature agreeing to the terms of the credit card, including a credit limit of XXXX. 

However, shortly after receiving approval, Amegy Bank unexpectedly rescinded their decision without offering any reasoning or explanation for their actions. Despite my repeated attempts to contact the lender to seek clarification and resolution, I have received no response, leaving me with no choice but to escalate this matter further. 

I maintain an exceptional personal credit profile, with credit scores ranging between XXXX and no derogatory items on my record. Furthermore, I have responsibly managed multiple credit accounts over the years, ensuring timely payments and never exceeding credit limits. My track record demonstrates my financial responsibility and ability to manage credit effectively. 

In addition to my personal creditworthiness, I operate a successful business with a robust financial standing. My business credit profile reflects a strong score of XXXX out of XXXX, with credit lines as high as XXXX and a history of prudent financial management. Furthermore, my personal bank account boasts a substantial balance in the XXXX figures, underscoring my financial stability and capacity to meet credit obligations. 

Given my comprehensive financial standing, I find it difficult to comprehend the rationale behind Amegy Bank 's sudden reversal of their decision to approve my credit card application. I can not help but wonder if these denials may be rooted in discrimination which raises concerns about compliance with the Equal Credit Opportunity Act ( ECOA ). I am eager to address any concerns or discrepancies that may have led to this outcome and am committed to resolving this matter amicably. 

To facilitate further discussion and provide additional documentation, I have attached copies of my business credit report, certificate of filing, EIN, and the signed agreement for your review. I kindly request that the Consumer Financial Protection Bureau examine my application in light of the information provided and intervene on my behalf to ensure fair treatment. 

Thank you for your attention to this matter. I appreciate your prompt response and look forward to the opportunity to address this issue collaboratively.
Product: Debt collection

I contact the XXXX XXXX XXXX because XXXX XXXX apartment had sold them my account. I talked to them XX/XX/XXXX to a copy of the lease. I then called the back XX/XX/XXXX to let know that this wasn't me and this is not my signature and leasing dates don't make since. XXXX XXXX mailed me a identity theft packet. I file it out and sent it back with a police report about my information was stolen in XXXX. Then I sent XXXX and XXXX a copy of the police report. I have been trying to clear up this problem since XXXX. This is a fraudulent account on my credit.
Product: Credit card or prepaid card

I have a Citi Rewards card that gives 2 % back. Starting in XXXX I have been unable to redeem these rewards. This is something that used to be very easy to do online. I have had many chat sessions and phone calls and the reps are also unable to redeem my points. They keep saying that it is a computer issue and that they are working to fix it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my Equifax credit profile and I noticed there is an incorrect address on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. The INCORRECT Addresses that should be deleted are XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and there is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX. Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( EQUIFAX, XXXX, and XXXX ) do not have my written permission and this should be removed accordingly. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting or other personal consumer reports

I have been disputing these items thats on my credit profile for the last year. Some how my father accounts are reporting to my profile. XXXX XXXX XXXX XXXX and im XXXX XXXX the XXXX. The accounts listed below do not belong to me. 

XXXX. 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third attempt disputing with XXXX, XXXX and Experian. They continue to violate my right. They continue to violate my rights by including inaccurate, fraudulent accounts that do not belong to me. These accounts were opened in my name without my consent.
Product: Mortgage

On XX/XX/XXXX, we closed on a mortgage for a townhome. The mortgage was provided by PNC Mortgage Company. During the mortgage shopping process, we had been offered the option of having our property taxes escrowed for convenience. No financial benefit was associated with this decision. We chose to have PNC escrow our taxes. 

Our XXXX tax payment to our locality was submitted late by PNC, resulting in penalties ( loss of discount ) on the tax payment. PNC reimbursed us for the penalties. However, the experience made us uneasy with the convenience of having PNC handle our property tax payments. 

We are fortunate to have sufficient financial strength that we can confidently handle the tax payments on our own, and do not require escrow services. Subsequent to our experience, we requested on XX/XX/XXXX, to eliminate the escrow ( an escrow waiver ) and take over our tax payments. PNC reviewed our case and approved the waiver, as we do not pose a financial risk to the mortgage. A copy of PNCs response is attached. 

We were extremely surprised to find that the fee to waive our escrow was going to be {$1500.00}. This amount is neither cost-based ( actually, PNCs costs go down if they do not need to administer an escrow ) nor risk-based, as our financial ability was not a consideration in creating the escrow ( and was optional ). The fee amount was not present on our first mortgage statement ( attached ). 

We have had multiple exchanges with PNC regarding the charge. I would summarize their response as : 1. Our initial escrow account disclosure statement, signed on XX/XX/XXXX at close, states that you may be required to pay a fee when closing all or a portion of your escrow amount. 

2. Later mortgage statements ( after the first ) showed the escrow waiver fee of 0.25 %. There was no notice of the addition of this fee ( in small font ). Both the first statement and a later statement are provided for comparison. 

3. This has always been their policy and they have no ability to modify it based on individual circumstances. 

We have two core complaints which we STILL have not been able to get PNC to address, and seek your assistance : 1. The level of this fee is arbitrary, non-cost based, and non-risk based. While we acknowledge that for some mortgagees, the waiver of an escrow increases the risk to the mortgage holder, that is not the situation in this case. We have had a 20 year financial relationship with PNC and have substantial financial reserves at this institution. While the fee they are charging is now at {$1500.00} why not {$5000.00}, or {$20000.00}? There does not appear to be any constraint on PNC to apply reasonable fees post-close. 

2. The existence of, and level of, the fee was inadequately disclosed. The purpose of the Escrow Disclosure Statement is to, obviously, disclose key facts about the escrow. However, this statement neither confirms that a fee is always charged to waive an escrow, nor does it mention the actual amount. In addition, our first mortgage statement ( which, of course, is the one most carefully scrutinized ) also omitted the fee. 

We would appreciate an actual response to these two points.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX, XXXX, and Equifax on XX/XX/2021 by Certified Mail regarding removing unauthorized inquiries. 35 days later, these inquiries are still showing on my credit report. I sent another Certified Letter on XX/XX/2021 requesting that the inquiries be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX of 2022, I was sent payment presentments via mail and/or via online bill PDF printable billing statements. In response to the presentments sent from the companies, I mailed in my coupons at the bottom of each presentment with the back signed with my beneficiary signature. I then received letters back denying my negotiable instrument/coupons. Shortly after, these companies started negatively reporting on my credit and this has drastically impacted my credit scores. Please note I have sent conditional offers requesting discovery in order to validate the debt the company has alleged I owe and the company is in noncompliance and has yet to send the information requested to validate the debt. My letters and affidavits notarized has been sent requiring companies to rebut by counter affidavit point by point. In addition to validating the debt alleged I owe, the company has been unable to provide a signed contract between me and the corporation via TWO wet ink signatures as there needs to be TWO wet ink signatures ( a corporation can not sign a contract because they are soul-less entities and NO third party can sign for a corporation according to the law. Additional, when I submitted a dispute on the companies, the credit bureaus completed their investigation and said the claims the companies alleged against me were valid. On what ground were the claims valid? Because the companies have not provided proof of any actually agreement/contract with TWO wet ink signatures, nor have they rebutted my notarized witnessed and signed affidavit countering point by point. A copy of a contract not signed by TWO wet ink signatures are not proof/valid claims of a contract. The lawful terms and conditions are based on fraud, therefore I am forced to use my compelled benefits of having all debts discharged pursuant to the Uniform Commercial Code and pursuant to HJR 192. Please note noncompliance of my letters sent to the companies alleging I have a debt with them violates FCRA section 623 ( a ) ( 3 ) responsibilities of furnishers of information to consumer reporting agencies { 15 USC 1681s-2 }. According to FCRA 609 ( c ) ( 2 ) ( E ) states " a consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or can not be verified, '' WHICH IN THIS CASE, the alleged debt is unverifiable for many of the reasons above and much more. Please note verification of debt and validation of debt are two total separate things. Please note, I am contacting you to make a complaint and I am hoping that we can work together to get this resolved quickly as the extreme decrease of my credit scores have damaged every part of my life mentally, physically, emotionally as well as caused hardship etc etc etc. I would really appreciate your attention towards this matter/complaint immediately due to how this has negatively impacted me and my circumstances unfairly and unlawfully.
Product: Mortgage

To whom it may concern, I XXXX XXXX am i single mother, i have been attempting to get some resolution to my hardship for about two years now. I have done everything on my hands to save my home, wells fargo only is delaying my process by asking me for documents every time i call. I called in on late XXXX 2015 and was told to submit my package as soon as possible, so i did my package was confirm receipt on XXXX XXXX 2015.i was told that my documents were received by a team called exception team. But unfortunately they were never looked at their excuse was that because they were in the process of closing out my old workout they pretty much ignored my new package. They hand plenty of time to review at that time, i never received a courtesy call advising me of such event, i started communicating with that department more and more but i am not getting anywhere. They keep asking me for information that i have already sent them claiming that they cant postponed until i send in the information this is the third time i sent everything they seemed to not care and know my situation. They have been just wasting my time i think they want me to loose my home, they have not reviewed my current situation all they say is to allow them 72 hours today is XXXX XXXX 2015 and we do n't have 72 hours. They are not sending me any correspondence advising me of the status, i am just tired of this situation. I am getting to the point where i will be obligated to seek other resolution like litigation or bankruptcy.Wells Fargo has violated my rights as a home owner, i am requesting for them to postponed my sale date to allow them time to review my current situation since it has change they just have n't realized because of minimum since of urgency on their behalf.
Product: Checking or savings account

XX/XX/XXXX I noticed my checking and savings account with Sofi bank is restricted. I havent been able to pay my bills, receive my direct deposit, or zelle payments, and Ive received notification from a lender that my auto payment didnt go through. I have no gas in my car. I have more bills due in a few days and the agents will not give me any information. I am told I have all the information I need to know and they hang up on me. I need access to my funds. I am a small business and my payments go directly into my bank account from square and I am not able to receive any payments. They are holding my money. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX @ XXXX I called Experian to inquire about my dispute report # XXXX re : credit reporting which has not been updated since XXXX. Experian system would not allow me to dispute the same matter that has been pending. I uploaded supporting documents documents again regarding the account in question to be corrected. According to the representative, he was not able to see the uploaded document, and stated it would take 3-5 business dates. As of today, the account is still setting on my credit report and has not been updated yet. 

The account was settled and closed XXXXXXXX XXXX Later on the same date, I received an email stating my Experian account was updated... middle name. 

I never request a change in my name and followed the instructions re : If you did not request this update, please call, in which I did. The updated name they put on the account in not my name, and never requested a change. I called backed and asked the representative for a dispute report # in which she stated there is not report #. My personal information ( name ) was updated without my request. I requested the representative to reset my correct name that has been on my account since I opened it. 

There was never a request to update my personal information, just an inquiry on my dispute, in which this company has not addressed yet .... 
XXXX poor business. We as consumer should not have to fight this hard to keep our information safe and correct. Who is the gatekeeper here?
Product: Credit reporting, credit repair services, or other personal consumer reports

This information is in accurate : Record Source XXXX XXXX XXXX XXXX XXXX AND XXXX GENERAL DISTRICT COURTS Type of Search FELONY & MISDEMEANOR RECORD SEARCH Search Type FELONY & MISDEMEANOR RECORD SEARCH Date of Search XX/XX/XXXX Given Name Searched XXXX XXXX Case Reference # XXXX Name on File XXXX, XXXX XXXX XXXX on File XXXX, VA XXXX XXXX on File XX/XX/XXXX SSN on File XXX-XX-XXXX Charge XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge Type XXXX  Disposition XXXX  Date XX/XX/XXXX Sentence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Case Reference # XXXX Name on File XXXX, XXXX XXXX Address on File XXXX, VA XXXX on XXXX XX/XX/XXXX XXXX on File XXX-XX-XXXX Charge XXXX OF XXXX Charge Type XXXX  Disposition XXXX  Date XX/XX/XXXX Sentence JXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There are ( XXXX ) Financial Institutions reporting accounts in direct violation of FCRA Section 6802 ( a ) Except as otherwise provided in subchapter a financial institution may not, directly through any affiliate disclose to a non affiliated third party any non public personal information, unless such financial institution provides or has provided to the consumer a notice that complies with Section 6803 of this title ( b ) the consumer is given the opportunity before the time that such time information not be disclosed to such third party, and ( c the consumer given an explanation of how consumer can excercise that non disclosure option by reporting negative information without notification and consent of the consumer. 
These ( XXXX ) financial institutions failed to inform principal that it would be reporting principals non public personal information to a third party and failed to get Principals Permissable Purpose. 15 USC 1681 ( a ) ( XXXX ) Exclusions Except as provided in paragraph ( XXXX ) the term consumer does not include ( i ) reporting containing information solely as to transactions and experiences between the consumer and the person making the report. Remove the ( XXXX ) listed accounts from my consumer file. 
XXXX ) XXXX XXXX # XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX # XXXX XXXX ) XXXXXXXX # XXXX. 
In advance any accounts listed that are not removed/deleted I am requesting in this dispute a Description of the Procedures used to verify in accordance with FCRA 1681i ( 7 ) / FCRA 611 ( a ) ( B ) ( 6 ) ( iii ).
Product: Bank account or service

Because of Obamacare, we were required to sign up for insurance through XXXX with XXXX. While doing so, XXXX somehow had XXXX different files for my family - XXXX with our correct name and SS # s ( which we verified with company as required ) and XXXX with incorrect names with our correct SS # s ( which we did not verify ). We called to have the problem corrected, which our agent assured us the problem was fixed. However, after receiving multiple mailings from the companies to verify incorrect information, and continuing to call them and tell them we are not the XXXX 's, our bank, BBT, allowed XXXX to auto debit our non-profit account for {$430.00} under the false name of XXXX - identities we ca n't verify because WE ARE NOT the XXXX, which is an unauthorized transaction. Upon speaking with the banker, he told me that the only thing I could do was close the account and file fraud charges. Due to this being a non-profit account with automatic daily deposits, we could not do that. He then told me that I could call the company and get my money back. This was XX/XX/2016. My bank statements show the correct amount of {$97.00} being automatically drafted from our account EVERY month under our correct name - and yet, the banker would not refund our money, in fact, were charged over draft fees on top of the theft from XXXX. I called all XXXX companies on XX/XX/2016 around XXXX. I was told what I mentioned above by the banker on that day, and was told by XXXX that they corrected the problem with the duplicate files and that XXXX will have to refund our money. XXXX said that it would be 30 days before I would hear if we were going to be able to get our money back. 1 ) our money was stolen ; 2 ) we have proven that we are not the XXXX ; 3 ) it is XX/XX/XXXX - 60 days later, and we 1 ) still do n't have our money back, 2 ) still have n't heard anything from anyone, and 3 ) are still receiving mail from XXXX in the incorrect names. I was told by my corporation 's treasurer, who is the VP in the fraud department at a different bank, that my bank could have refunded my money and made XXXX prove that the {$430.00} transaction was justified - meaning that they had proof that we are the XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

This transaction was a result of identity theft, my account is flagged and I am unable to apply for loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ve had an account with XXXX XXXX  open XXXX XXXX since XXXX 2012 until current. Ive attached a bill from past to confirm im daying the truth. I was victim of identity theft and open XXXX XXXX fixed the error. The credit bureaus have not updated. This account as XXXX. Time never late. Credit limit is XXXX anf balance is only XXXX dollars. Please have credit bureaus update records
Product: Money transfer, virtual currency, or money service

Hello I paid {$130.00} to someone on Cash app on Wednesday XXXX XXXX. She did not send my items to me. She blocked me on XXXX. I have found out that she has done this to multiple people. She is a scammer. She is selling items on XXXX but not sending them to the customer once we purchase. She needs to be prosecuted.