23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

My Care Credit account through Synchony Bank purposely put me over my limit with no notice. I had a {$3000.00} limit and now they just randomly changed it to less than my balance which put me over my limit and in turn is hurting my credit score because now I am in the negative with the creditor. How can a bank make your credit limit less than the amount you owe? I make my monthly payments timely. This is an unfair practice. I might could understand if I did not make my payments on time but I do. My credit limit should not be less than the amount I owe. This makes no sense and is unfair to me as a consumer. 
I originally filed a complaint with FDIC after getting nowhere with a Care Credit/Synchrony representative and I have not heard anything from Care Credit. 
Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

I requested the original contract with my signature showing the accounts belong to XXXX XXXX. I requested this information XX/XX/2024.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The following inquiries on my credit report was not authorized or initiated by me. I have disputed these inquiries numerous of times and equifax declined my dispute within 24 hours. And say this will remain on record for two years. Why is it on record for two years if i did not authorize it? Please delete these inquiries from my report immediately. 

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 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 XXXXXXXX and keeps getting declined stating its part of the record for 2 years. I didnt initiate nor authorize these inquiries. Called the business multiple times and they cant provide any information and to dispute it with the credit bureau. Well Ive done that with no success. 

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

As I reviewed my recent report, I have found an erroneous information reporting on my TransUnion Credit Report. The payment history is incorrect. I was never late on this account. I've already sent a request to TransUnion to correct and update this matter but I am not sure if they have conducted a thorough investigation for this item : XXXX XXXX XXXX  Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX this account is involved in litigation XXXX  XXXX XXXX this account is involved in litigation XXXX XXXX XXXXXXXX I have no knowledge of this account I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt nor therefore any such debt, in fact exists.
Product: Vehicle loan or lease

I recently got a copy of my credit report and notice these fraudulent accounts this is hurting my credit can you please remove this inaccurate information thanks in advance
Product: Mortgage

I am confused about a complaint, I filed with CFPB in XX/XX/XXXX. This complaint was never resolved, no correcting respond from CitiMortgage, Inc. and no follow-up from CFPB, although there was several violations by this mortgage company, when they continued with a foreclosure that simply violated all CFPB protection ruling in XX/XX/XXXX. I contacted the right authorities, but I did not receive a follow-up on the situation, no kind of investigations into the matter, as to what was done to correct it, I am baffled, because in your release in XX/XX/XXXX, the rules were clearly stated and released to mortgage servicers, but they still continued with their foreclosure practices. Those practices is mistreatment to struggling borrowers. I have not heard from CitiMortgage since XX/XX/XXXX my last response from someone associated with CitiMortgage, under your ruling my foreclosure should have been halted on several reasons. I am also requesting my mortgage file documents from XXXX, XXXX,XXXX,XXXX and XXXX. But, the foreclosure attorney for CitiMortgage continues to harass and send threating letters to vacate notices and now CitiMortgage is trying to sue me, to have me ejected. CitiMortgage, Inc. has violated all CFPB rules. I am currently in Bankruptcy. CitiMortgage canceled the homeowner 's insurance without any notification. This is so unfair to any homeowner. When will I be able to get some reimbursement funds from CitiMortgage, from the XXXX XXXX dollars, that was fined by CFPB?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX  # XXXX and 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
Product: Credit reporting, credit repair services, or other personal consumer reports

There are currently credit inquiries listed on my report that were not authorized by me : XXXX, XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXXXXXX XXXX, XXXX ( XXXX ) XXXX XX/XX/XXXX ( Experian ) XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX ( all three bureaus ) XXXX XXXX XXXXXX/XX/XXXX ( all three bureaus ) I did not authorize or benefit from these inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

( No subject ) [ Draft ] This message hasn't been sent. 
Saved on : XXXX XX/XX/2022 XXXXXXXX XXXX  This Credit Bureau systems has never contacted me. The only reason I'm aware of their existence is because they are continuously reporting this to the credit bureaus. I have tried to fight some on my credit report but they remove it then it shows back up. I never received a bill from the original company. How can I pay something I never even received a bill? 

Debt collectors must speak to my by phone or in person about the debt or mail a letter or electronic communications about the debt and wait for a reasonable amount of time ( usually 14 days ) to ensure it was delivered before reporting anything to credit reporting companies. This never happened. I never received anything, you can not just ruin someone's credit when you don't give them a chance to pay! This is deceptive, I don't know the amount I owe cause I never got the bill! I believe they are trying to claim way more than what I should owe. The debt collection company has to provide me with Name and mailing information of the debt collector Name of the creditor whom the debt is owed Account number associated with the debt An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date, called the itemization date. 

The current amount of the debt as of when the validation notice is provided. 

Information about your debt collection rights including how to dispute the debt I never received any statements or bills and the original creditor had my phone number and correct mailing address.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a company named Midland Credit Management that is calling my house number. 
I don't know why they are calling cause I am using the Do Not Call Registry. I don't have debts outstanding or in arrears with any company. 

I WILL KINDLY APPRECIATE YOU HELP ME TO TELL THIS COMPANY TO DELETE MY NUMBER FROM THEIR LIST. 

THEY HAVE A WEB PAGE, BUT CAN NOT BE ACCESSED UNLESS YOU HAVE AN ACCOUNT, WHICH I DON'T HAVE. 

THEY ARE CALLING 4 OR 5 TIMES DAILY. IT IS EXASPERATING. 

THANK YOU IN ADVANCE FOR YOUR COOPERATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been attempting to dispute unverified accounts on all 3 of my Credit during this process I have sent 2 dispute letters as well as debt validation letters each certified to XXXX, XXXX and XXXX   on dates XXXX XXXX and XX/XX/2020. To XXXX XXXX XXXX, XXXX Formerly known as Drivetime and XXXX XXXX. And the only responses I have received from the Debt Buyers as well as the Credit Bureaus was them verifying the accounts belonged to me without any documents indicating I am who the accounts belongs to. They have been unable to provide me with an original contract ( s ) bearing my signature, account history and other documents I have requested twice. Furthermore after failing to receive proper debt validation from these Companies it has been brought to my attention these debts has been misrepresented. In the Violation of the Fair Debt Collection Practices Act, also in respect to Section 623 of the Fair  Credit Reporting Act furnishers must note delinquency within 90 days, list the same date as delinquency as the original creditor and notify consumers of negative listings within 30 days of reporting. All of these statues have been violated by these Debt Collectors and Or Collection Agencies regarding these accounts. I have submitted this complaint in attempt to have these debts removed from all 3 credit  bureaus.
Product: Payday loan, title loan, or personal loan

I applied for a credit limit increase with Capital One. They denied me one XX/XX/2021 stating that according to my credit report my credit score was not high enough and that I had too many inquiries listed on my report. Some of which were from them denying me credit. In another letter from them, regarding this same matter in a previous complaint, they stated they needed an application in order for them to extend lines of credit. If they indeed checked my credit report to see that I was not so " eligible '', where did they get, y information from. This seems like unfair and deceptive practices. I have three accounts with Capital One that are ALWAYS in good standing, with exceptional payment history. How can you tell me I'm eligible to apply for an increase every 6 months but deny me? its very misleading and I do have my legal counsel looking into this matter as well if needed to escalate.
Product: Credit reporting or other personal consumer reports

still receiving mailings emails from XXXXXXXX XXXX  associates after i asked them to cease and desist from contacting me totally disregarded my letter dated XX/XX/year> see attached
Product: Debt collection

This complaint is related to, and an extension of, a previous complaint filed against XXXX XXXX ( CFPB complaint ID XXXX ). To summarize, I took out a construction loan from XXXX XXXX XXXX XXXX XXXX. XXXX stopped funding the loan prior to construction completion and filed foreclosure proceedings once the note matured. This note was apparently acquired by XXXX, XXXX, in Trust for Morgan Stanley XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX appears on the notice of foreclosure as the current holder of evidence of debt. I received no notice of the sale of the note. As best as I can tell, XXXX is working in concert with the XXXX fraudsters. It was my contention in the previous complaint that XXXX never had the funds to lend in the transaction or intentionally sabotaged the transaction to create a foreclosure opportunity ( which had now been picked up by XXXX ). 
___________________ In the course of the foreclosure process, FV has violated CRS 38-38-102.5 ( Colorado 's notice statute ) ; CRS 38-38-103.1 ( Colorado 's single point of contact statute ) ; and CRS 38-38-103.2 ( Colorado 's dual tracking statute ). 
XXXX XXXX, XXXX and Morgan Stanley XXXX XXXXXXXX XXXX, XXXX is/are no strangers to litigation concerning foreclosure actions. The SEC recently issued a Cease and Desist Order against Morgan Stanley based on various foreclosure shenanigans. It is believed that XXXX and Morgan Stanley or essentially the same organization. 
XXXX There is likely a prior working relationship between XXXX and XXXX to the point of suggesting complicity between the two organizations to defraud consumers through the foreclosure process. Both XXXX and XXXX should be required to turn over all records and communications between the two relative to this transaction.
Product: Debt collection

This company ( Macy 's ) calls XXXX 5 times a day. I 've answered and told them I 'll give them their money, but the calls keep coming to the point where it 's interrupting my day. When they say they 'll stop calling, they call me from a different number from a different state. I 've already had to block XXXX different numbers from them. Its getting out of hand.
Product: Credit reporting, credit repair services, or other personal consumer reports

Saturday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX | XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, XXXX XXXXXXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract as well as all documentary material pursuant to 15 USC 57b-1 ( a ) ( 5 ) - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 


I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on itas well as all documentary material pursuant to 15 USC 57b-1 ( a ) ( 5 ) ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


I demand the following accounts be verified or removed immediately : 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 Reason : Unverified account
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT. I WAS SHOCKED TO LEARN I HAVE BEEN A VICTIM OF IDENTITY THEFT. I FOUND NUMEROUS ACCOUNTS ON MY CREDIT REPORT THEY WERE NOT OPEN BY ME. THIS HAS BEEN HURTING ME AS I AM IN THE PROCESS OF BUYING A HOME FOR MY FAMILY. PLEASE REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT AS SOON AS POSSIBLE. THE FOLLOWING INFORMATION DOES NOT BELONG TO ME EITHER : NAMES : XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Debt collection

The information being reported on my credit report is incorrect and the debt does not belong to me. Amongst my many attempts to resolve this issue with the proceeding companies, no progress has been made in lieu of providing the proper documentation, bearing my signature, proving my involvement with the debt being reported. Any negative mark found on my credit reports ( including XXXX XXXX XXXX XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA and FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Product: Credit reporting

Someone is using my info saying they live in XXXX under my name. The address is XXXX XXXX XXXX XXXX pa XXXX. This is not my address. My address is XXXX XXXX XXXX XXXX pa XXXX and has been most of my life. I 've never lived in XXXX. Please help with this problem
Product: Credit card

I've been a customer of XXXX for a few years, then BMO aquired them and transferred over my account/credit card. I got a XXXX card from BMO that I used for a while. Recently, both cards were at XXXX balance. I received letters that as of XX/XX/XXXX both credit card accounts were closed " for better business alignment ''. I called and BMOsupport conveyed the same reason, and the fact that it has nothing to do with my standing as a customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX  was replaced by XXXX XXXX.XXXX XXXX will no longer exist on my credit report. But since XX/XX/XXXX all 3 credit bureaus are reporting both XXXX and XXXX accounts with the same information.Two accounts same balance but different names.I have disputed this information with all 3 credit bureaus twice and results are it belongs to me.I have contact both XXXX and XXXX, XXXX tells me to contact XXXX and XXXX tells me to contact XXXX.I got answer from XXXX starting XXXX will be deleted from credit reports XX/XX/XXXX still there as of now.But I have spoken to 3 managers at XXXX plus customer service over 9 times .Everybody there is giving me the runaround everyone keeps telling me different things I will receive a deletion letter concerning XXXX XXXX and they will send to credit bureaus. Now XXXX XXXX  has been telling me this since XXXX it's XXXX this weekend. I'm in the process of buying a home and my escrow is at a standstill due to wrongful information on my credit report. I asked XXXX can they send me a letter saying that XXXX no longer exist so my escrow for my home can continue never received nothing. XXXX XXXX  doesn't care about what they are doing to customers. But let me miss payments my credit limit will be lower or account closed.I am so stressed out and frustrated due to credit bureaus not listening to me and XXXX XXXX know they have been reporting the wrong information for months but they don't give a XXXX!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  ( Incorrect account please validate ) And delete XXXX XXXX  late payment XXXX XXXX XXXX XXXX ( Incorrectly reported please delete ) XXXX XXXX late payment XX/XX/XXXX incorrectly reported. ( Account no longer open please delete ) Account has been removed from XXXX XXXX  remove from all other credit reporting XXXX late payment XX/XX/XXXX accountclosed late payment inaccurate has been removed from ( XXXX XXXX ) Please remove from all other credit reporting XXXX XXXX  account was fraudulently charged/ ( The accounts has also been charged off ) please delete XXXX Late payment incorrect reporting account is paid as agreed please update and And correct XXXX XXXX ( account was charged fraudulently identity theft ) please delete. 

XXXX XXXX XXXX XXXX ( Account was fraudulently charged due to identity theft please remove and delete ) XXXX XXXX  ( account was fraudulently charged due to Identity theft. Account also is a third party and not validated ) please remove and delete XXXX XXXX XXXX Consumer has agreement with XXXX XXXX XXXX To extend the payment due date XXXX XXXX XXXX XXXX XXXX late payment is invalid please correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing inquiries from Transunion on my personal credit report that I did not recognize. 
Please find the following : Notice of recent dispute to Transunion under the FCRA. 
Copies of items I am disputing and do not recognize. 
Notice of identity theft report/ notice. 
Cooy if my identification
Product: Debt collection

My contract with XXXX XXXX XXXX had expired in XXXX 2016. After my contract expired I was billed {$71.00} I asked the XXXX XXXX XXXX representative was I going to be charged and she stated NO. I 'm not responsible for this debt when my contract has already expired.
Product: Mortgage

XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX U.S. Department of Justice Civil Rights Division XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington, D.C. XXXX RE : ACCOUNT XXXX XXXX XXXXXXXX XXXX XXXX Director Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX XXXX IA XXXX Headquarters address Consumer Financial Protection Bureau XXXX XXXX XXXX Washington, DC XXXX Dear Friend ; Please assist me in obtaining a release from my current excess PMI requirement. I requested the removal of the PMI about 45 days ago. I was not contacted or visited by XXXX or the new mortgage servicers PNCXXXX XXXX appraiser . I was not contacted by an appraiser. When I called PNCXXXX XXXX for an update on my Primary Mortgage Insurance I was informed that the request was declined.

The parties involved have committed consumer fraud. They are charging PMI for an unfair profit. The current OPEN DOOR offer for the home is {$430000.00}. The current loan amount is lest than {$300000.00}. 

PROOF AND EVIDENCE OPEN DOOR APPRAISAIL Selling Offer {$430000.00} Status Expired Expiration date XX/XX/XXXX aboutOpendoor Brokerage TREC  : Information about Brokerage Services |Consumer Protection Notice California DRE # XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX The OCC , Board , FDIC , NCUA , Bureau XXXX and FHFA ( collectively, the Agencies ) are adopting a final rule to implement the minimum requirements in the Dodd-Frank Wall Street Reform and Consumer Protection Act ( the Dodd-Frank Act ) to be applied by participating States in the registration and supervision of appraisal management companies ( AMCs ). The final rule also implements the minimum requirements in the Dodd-Frank Act for AMCs that are subsidiaries owned and controlled by an insured depository institution and regulated by a Federal financial institutions regulatory agency ( Federally regulated AMCs ). Under the final rule, these Federally regulated AMCs do not need to register with a State, but are subject to the same minimum requirements as State-regulated AMCs. The final rule also implements the requirement for States to report to the Appraisal Subcommittee ( ASC ) of the Federal Financial Institutions Examination Council ( FFIEC ) the information required by the XXXX to administer the new national registry of AMCs ( AMC National Registry ). In conjunction with this implementation, the FDIC is integrating its appraisal regulations for State nonmember banks and State savings associations.