23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Hi, I requested an increase in my credit line from Bank of America. My Fico Score is XXXX. The card they issued had such a low limit. I am an XXXX and a XXXX at a major University. The letter I received provided no clear explanation besides general economic and loss trends not relating to me specifically. I feel that I am being discriminated against because of my ethnicity. Not only do I have a personal checking account but I also have a 10 year old XXXX XXXX with BofA, so the form letter I received is totally insulting. I would appreciate it if you would look into this. Someone with a XXXX and a XXXX who can be discriminated against like this means other people not similarly situated are treated worse than I. 
Best, XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$550.00} XXXX XXXX XXXX XXXX XXXX XXXX  -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB Complaint to you today to inform you I was the victim of identity theft. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt. Please provide me with a written response to this dispute and let me know the results of your investigation.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below 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 XXXXXX/XX/year>
Product: Checking or savings account

I bank with Wells Fargo. On XX/XX/XXXX, I had two posted transactions, a XXXX deposit from XXXX, and a XXXX charge from XXXX. My ending balance on XX/XX/XXXX was XXXX, meaning that my ending balance on XX/XX/XXXX was XXXX. On XX/XX/XXXX, a transaction for XXXX and a transaction for XXXX were both posted by XXXX, however they were pending transactions that were not authorized until XX/XX/XXXX, putting my account at a deficit of XXXX on XX/XX/XXXX. However, I received a deposit of XXXX, putting my account at a positive of XXXX, which was then used at XXXX, putting my account at exactly XXXX, with no overdraft end items. I am positive that there were no overdraft end items, as the posted overdraft at the end of XX/XX/XXXX was XXXX, and my account balance was XXXX. On XX/XX/XXXX, I had called Wells Fargo, who told me that the charges by XXXX were authorized and posted on the XXXX, which my own bank statement shows is wrong. 

Furthermore, Wells Fargo has an Extra Grace Day policy, that they will first notice the account owner about an overdraft end account, in which they get an extra business day until midnight to restore the account to a positive balance. I had received a notice on XX/XX/XXXX that I had overdrafted on Friday, however when checking my account I was in the net positive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes on my credit report to delete an remove all inaccurate information on my file with experian. this has been an ongoing issue that needs to be resolved. this is my 2nd attempt to delete an clear all items. please review and remove the listed items to fix an clear my credit report asap.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Hard Inquiry on my Credit Report Dear Sir/Madam , I am writing to officially dispute a hard inquiry that is listed on my credit report. After reviewing my credit report obtained from your credit reporting agency, I discovered an inquiry that I did not authorize or recognize. I request an immediate investigation into this matter and ask for the removal of the hard inquiry from my credit profile. 
Details of the hard inquiry : - Inquiry Date : XX/XX/year> - Company Name : XXXX XXXX, BEST BUY I would like to highlight the following concerns regarding this hard inquiry : XXXX. Unauthorized Inquiry : I have not given consent to XXXX XXXX, BEST BUY or any other entity to perform a hard inquiry on my credit report. This unauthorized inquiry has been detrimental to my credit score and overall financial well-being. 
2. Lack of Information : I am unaware of the specific purpose for this inquiry. I have not engaged in any new credit applications, loan requests, or any other activities that require a hard inquiry during the stated time frame. 
3. Possible Error : It is possible that this inquiry has been reported incorrectly, or there may potentially be an identity theft issue. I request a thorough investigation to verify the legitimacy of this inquiry. In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to a prompt investigation of this disputed inquiry. 
Therefore, I kindly request that you initiate the investigation immediately and provide me with a written response within the legally mandated 30-day period. Please provide me with the following information upon completion of your investigation : 1. Confirmation of the legitimacy of the hard inquiry. 2. The source of the inquiry. 3. Steps taken to rectify any errors or inaccuracies in my credit report. 4. Verification of the removal of the disputed hard inquiry from my credit profile. 5. Updated copy of my credit report reflecting the amendments made. I understand the importance of maintaining accurate and up-to-date credit information. I respectfully request your urgent attention to this matter and appreciate your cooperation in resolving the dispute promptly. Enclosed with this letter are copies of relevant documents supporting my dispute. Should you require any further information or documentation from me, please do not hesitate to contact me using the information provided above. Thank you for your immediate attention to this matter. I look forward to receiving a satisfactory resolution to this dispute within the designated timeframe.
Product: Mortgage

I got my mortgage in XXXX of XXXX and it was transferred to SPS servicing in XXXX of XXXX. I have never had so much issues with a mortgage in my life. 

The Company has really screwed up with my escrow account and my monthly payment has kept increasing although property taxes have been known. There was an escrow analysis done in XX/XX/XXXX ( XX/XX/XXXX prior to that ) in which there was a ~ {$5000.00} shortage and my monthly payment was going to increase by {$240.00} over 24 months to cover the shortage. At this date, all future property tax disbursements were known. I was told on the phone that my new payment ( {$250.00} higher ) would be my payment going forward as property taxes were unlikely to increase materially after the new property tax level was set based on our purchase price. 

Yet in XX/XX/XXXX, I receive another escrow analysis shortage now that claims there is a ~ {$8000.00} shortage in my escrow account and now my payments will increase {$650.00} a month as the shortage will now be split over 12 months instead of 24 months. When I called SPS, they said my payment will continue to increase given reserve requirements will likely change!! They also were unable to answer my question of why we didn't get the escrow analysis correct that was just done in XXXX of XXXX when all future disbursements did NOT change. The fact they can get things incorrect and yank up my monthly bill to attempt to fix it ( and shorten time drastically to repay something that it was their fault ) seems very unethical and that they are acting in bad faith. 

This whole thing seems very shady and I would like all the numbers to be verified - people get " impounded accounts '' so it makes it easy to pay property tax/escrow in a simple way ( certain amount monthly ) and here it has gotten very complicated with the amounts constantly changing and disguised over 12 month vs 24 month splits when my expected disbursements have been constant. They do not know how to accurately do an escrow analysis and I have been punished financially for their disturbing behavior. 

I also had another issue where I had an overage in my escrow and it was so difficult to get it back from SPS. They wanted to send it in snail mail until I demanded overnight shipping. Consumer Affairs has this Company rated XXXX with XXXX reviews, unclear how they can still be in business with this level of significant complaints.
Product: Checking or savings account

Dear CFPB, I am writing to file a complaint against Chime regarding their decision to decline my claim on XX/XX/year> without providing a valid reason. I had an issue with a disputed transaction, because someone scammed me from XXXX. I received a letter on XX/XX/XXXX, Chime denied it without offering any clear explanation or evidence to justify their decision. 

This lack of transparency and accountability has left me frustrated and without the funds I rightfully believe I am owed. They are completely abusing the Consumer Financial Protection act and its customers.
Product: Student loan

My student loans were bought from XXXX by Navient. over a month ago. During the interim, The XXXX XXXX XXXX XXXX XXXX awarded me and paid a XXXX check payable to XXXX towards my principal balance. XXXX confirmed this payment was then electronically sent to Navient on the XXXX of XXXX ember. As of yesterday, Navient claims they have not located this payment. I then put an XXXX rep on the line with a Navient rep that gave them a trace number for this payment. Navient assured me that once the payment was located, it would be retroactive to XX/XX/XXXX. I am not impressed with Navient at all so far. They would not even allow me to talk to the department that receives electronic payment. There is a 60 day cut off of these funds being null and void and I have a sick feeling Navient is going to drag out this process and I will lose the XXXX payment I earned from The XXXX XXXX XXXX XXXX XXXX. I am a XXXX and am only continuing to work XXXX I am currently in for this benefit.
Product: Credit card

I signed up for CareCredit that was promoted as 0 % APR for optional time frames. At some point I signed up for automatic payments where I paid over the minimum payment in order to pay off the balance in an accelerated time frame. I looked over my recent statement and saw there were interest charges. After contacting Synchrony I was informed that they were claiming this to be a " deferred interest '' agreement. At no time did I ever see such terms explicitly outlined. I was capable of covering the costs of the procedure both out of pocket or with many other credit avenues. I only chose CareCredit based on their promotional material that appeared to be 0 % APR for an extended period. I do not believe that I owe Synchrony any further payments and have requested an adjustment of my statement to reflect a XXXX balance along with past statements. I noticed that prior to by promotional period ending Synchrony quit sending physical statements even though I never agreed to paperless billing. I believe all of the statements made thus far either reflect a mistake on Synchrony 's part, or possibly predatory lending practices.
Product: Credit reporting or other personal consumer reports

Transunion is reporting inquiries on my credit report that I did not authorize nor provide consent for access to my credit report so I am requesting immediate removal. Inquiry details are as follows : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX These hard inquiries are a direct violation of my consumer rights under the following laws : U.S. Code 1681b ( Fair Credit Reporting Act - FCRA ) : This section stipulates that a credit report may only be accessed under certain permissible purposes, which include applications for credit, insurance, or employment, and only with the consumers consent. Since I did not authorize this inquiry or provide consent, it breaches the FCRAs regulations. 15 U.S. Code 1681c ( FCRA - Inaccurate or Unverifiable Information ) : Under this provision, credit reporting agencies are required to ensure that the information in the credit report is accurate and verifiable. An unauthorized inquiry fails to meet these requirements and thus should be removed. 15 U.S. Code 1681n ( FCRA - Civil Liability ) : This section provides for civil liability for willful noncompliance with the FCRA, including unauthorized access to a consumers credit report. The presence of an unauthorized inquiry on my credit report is a clear violation, and removal is warranted. 15 U.S. Code 1602 ( p ) ( Truth in Lending Act - TILA ) : This section outlines the requirement for obtaining express consent from the consumer before a credit report can be accessed. The lack of authorization for this inquiry contravenes these stipulations. Given the unauthorized nature of this inquiry, I request the immediate deletion of this hard inquiry from my credit report. Please provide written confirmation once this has been resolved. Thank you for your prompt attention to this matter.
Product: Mortgage

Mr. Cooper bought my loan XXXX years ago. Ever since then, I have tried to get my condominium home insurance escrowed into my loan, my insurance company would send them all of the documents necessary to get my insurance escrowed in but Mr.Cooper refused to escrow my insurance policy in and not pay my insurance company causing them to terminate my policy. I have called both my insurance company and Mr. Cooper both last year and this year to fix the problem, but it hasnt gotten fixed. It has been XXXX years in a row that this has happened and now Mr.Cooper is threatening to charge me with fees and other charges for this issue. I dont know what to do anymore, I cant get a hold of any of the folks that I talked to from Mr. Cooper that said that they would help me fix this recurring problem and assured me that it wouldnt happen again, but its happening again and I don't know who to call. Please help me. I am a single mother just trying to make it through, day by day, and I cant find a solution for this problem. I cant afford to pay for a whole years worth of insurance in one payment.
Product: Credit reporting or other personal consumer reports

I received a credit card in the mail that I did not sign up for. Someone stole my identity and proceeded to get a credit card and spend {$4900.00}. I have looked into XXXX and have found this this happens frequently to people. Clearly this should be investigated and changes need to be made. They should not be issuing credit cards to people to use immediately and then send a separate card to the home address. I have called XXXX numerous times and each time end up talking to someone who puts me on hold for hours and then comes back saying the fraud department is closed. I have sent multiple emails with no response. I have contacted the police and filed a report.
Product: Payday loan, title loan, or personal loan

I got a loan over 3 years ago for a small amount. The company charged a crazy amount of interest and I thought it was paid off as I have monthly payments coming out. Flash forward to XXXX and nine of the amount I pay has ever gone to the principal! This is ridiculous! It wont let me stop payments either as it has my bank account linked. Something needs to be done!
Product: Mortgage

Midland Mortgage ( XXXX ) is currently servicing my FHA mortgage. I have also applied for a loan modification on numerous occasions and XXXX has refused to submit the modification requests for underwriting to the FHA. Since the FHA is the investor and insures the loan, they would be issuing a partial claim to help fund the loan modification. Since the FHA is unaware of the partial claim, they were clearly in the dark on the loan modification process. XXXX is in clear violation of the False Claims Act ( FCA ), 31 USC 3729 - 3733, since they knowingly withheld information and reported false records to a Federal Government Agency. XXXX also has an obligation to process the loan modification with transparency and clarity per the National Mortgage Settlement of XX/XX/XXXX. XXXX has refused to cooperate and has set a foreclosure sale date of XX/XX/XXXX. Based on the violations listed herein, I am seeking your assistance on this matter. XXXX is in clear violation of CFPB mortgage servicing rules as well, since they have refused to complete underwriting on complete loan modification packages submitted. XXXX has implemented a foreclosure sale date of XX/XX/XXXX. Overall, I feel deceived by XXXX on a number of counts and I am seeking your assistance on this matter.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, XXXX credit reporting agency, block information appearing on my consumer credit report that is result of identity theft an fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists all are listed XXXX CREDIT CONTROLS SERVICE account # XXXX CXXXX XXXX XXXX account # XXXX XXXX XXXX below.These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Theft Criminal Complaint # ( XXXX ) as proof from US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 CREDIT COLLECTION has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Dear Sir/Madam, This is to bring to your notice that I closed a home refinance loan with Loan Depot ( Loan ID provided on request ) on XX/XX/2021. It has been more than 10 weeks since then and the DEED has NOT yet been registered with XXXX XXXX, VA This delay in registration of Deed is preventing me to do the following : 1 ) Refinance for a lower term 2 ) Sell the property. 

When I contacted Loan Depot, I was told they dont have a timeline and that the delay is due to covid. 



Multiple requests to settlement company Closing USA - have gone unanswered. No one picks up the phone and no one is returning the emails or the voicemails.

Additionally, Loan Depot owns the settlement company Closing USA.

This delay in registration of deed I feel is an unfair practice, is keeping me hostage by not letting me complete other financial activities and should be regulated either at state or at federal level. 



I would appreciate it if an investigation is opened and additionally if new guidelines are passed which prevents future homeowners from facing a similar issue. 



I am requesting that either Closing XXXX or Loan Depot register the deed with XXXX XXXX, VA as soon as possible without any delay. 



Thanks, Regards,
Product: Credit card or prepaid card

I applied for a promotional mileage credit card through Bank of America partnered with XXXX  XXXX in XXXX of 2019. I did not receive and activate my card until XX/XX/XXXX of 2019. However, they started the 90 day promotional period from the day I applied online. I have attempted to resolve this with Bank of America directly as well as with the XXXX, and although they admit the card was not activated until XXXX they are unwilling to take the responsibility for the misleading promotional period of 90 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I noticed inaccurate information being reported on my XXXX credit report. Synchrony bank was reporting two of my accounts as late multiple times. They are even reporting my payment status as late 90 days when my account was paid and closed in XX/XX/XXXX! I then began sending dispute letters to get the incorrect information taken off. I asked them to please conduct an independent investigation. I submitted a total of 5 letters listed the inaccuracies on my credit report and the 4th time they responded with saying one of my disputes was verified as " account paid, never late '' yet they did not remove the late payments. Instead, they added more back on without notifying me within 5 days as they are required to do. This has hurt my credit score and prevented me from obtaining a home loan. I have also reached out to Synchrony bank via certified mail with no response. I have the documentation to show each time I reached out to XXXX, I tried so many things to get the inaccuracies removed and they have now told me they are no longer going to conduct further investigations on my disputes. Please help me!