23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

4 years ago I was approved for Citibank MasterCard World Elite travel card and I've continually made on Time payments and have never missed a payment and have never been late on a payment and have always paid more than the payment amount. In XXXX of this year 2023, my mother who was diagnosed with XXXX got into almost fatal car accident which rendered her unable to care for herself so she had to come stay with me and I had to be out of work for 4 months so I was using my credit that I had worked so hard for to get us by. I used a good portion of my credit over these XXXX months and then after paying almost {$11000.00} on this Citibank card to pay down the balance they decreased my credit limit not once but twice. They decreased it all the way down to what was left on this credit card after I paid the {$11000.00} on it, they decreased it all the way down to what I still had to pay off which made it look like I've maxed this card out again with the personal credit companies which affects my credit score which affects everything else.that I've worked so hard on paying off. They have done.this to a lot of other accounts holders and it's really bad business and almost a lie. My credit limit started out at XXXX and then they raised it to XXXX and then they decreased it to XXXX and then they decreased it all the way down to XXXX XXXX with no warning and after I've paid {$11000.00} on this card. Their business practice are affecting my credit score my other lenders and my interest rate and daily living on other things. I have never missed a payment, I've never made a late payment, and I've always paid more than they've billed me. I just think this is really dirty business practice and they are using their corporate power to hurt the consumer. I have paid over {$35000.00} to pay my credit cards off in the last 45 days with {$11000.00} going to this Citibank card. They would have been better off closing this account and allowing me time to pay it other than just making it look like I'm maxing out this credit limit on this card when they've lowered it by {$11000.00} in 2 months and only after I paid {$11000.00} on this card. I really would understand if I was a bad customer or if I was late on my payment or if I missed a payment but in 4 years I've never missed or been late on a payment. I just don't understand how they're allowed to do this and they are really affecting my daily life using my credit for the better good of me and my family.ive worked really hard on myself and my finances over the last 10 years and this unfair practice by Citibank is really affecting me and my credit score, among other things. It goes way past them lowering a credit limit. It's a domino effect and it's a lie.
Product: Credit reporting or other personal consumer reports

15 USC 1681i : Procedure in case of disputed accuracy PLEASE SEE ATTACHED DOCUMENTS I SENT OVER EVERYTHING XXXX to Experian WHY ARE THEY USING MY CONSUMER REPORT HOW EVER THEY WANT THE DELETE AND ADDIND ITEMS BACK TO MY REPORT STRESSING ME OUT WITHOUT MY CONSENT XXXX XXXX HAVE NOT ONCE CALLED OR CONTACTED ME ABOUT THIS FALSE CREDIT CARD INFO I WILL LIKE EVERYTHING PERMANENTLY REMOVED FROM MY REPORT THATS HURTING MY CONSUMER REPORT IF NOT I WILL TAKE LEGAL ACTION ii ) Notice to creditors If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency YOU NEVER CONTACTED ME 5 days prior to any thing A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT 1. Conduct a thorough investigation into the unauthorized inquiries and negative remarks mentioned above.

2. Provide me with written confirmation of the results of your investigation.

3. Remove all inaccurate, unauthorized, and negative information from my credit report.Remove all inquiries as they are categorized to be UNAUTHORIZED, therefore unlawful and violation to consumer rights.

4. Report the corrections to all major credit reporting agencies, including XXXX, XXXX, XXXX, and XXXX. 
5. Provide me with an updated copy of my credit report once the corrections have been made.

6. Include proof of submission of the corrections to the CFPB, so they can confirm that you have fulfilled the full details of my request. 

This addition ensures that you have a record of the corrections being submitted to both the credit reporting agencies and the CFPB for verification.
Product: Credit card or prepaid card

Capital one closed my account for no reason at all. First back in XXXX they had my accounts restricted saying they needed to verify me and all my authorized users. They had me send in a copy of every on DL front and back and social security cards also. After it took them a month in a half they got all of that corrected they fixed my account back to where they unblocked them from being restricted and reported it to the credit bureau that the account dispute was resolved in XX/XX/XXXX. So on XX/XX/XXXX I notified the credit bureaus about an inquiry that was showing for XX/XX/XXXX that I did not authorize. I woke up the next day and Capital One closed both of my accounts. They had me send a letter saying that I have both of my credit cards. I called them back on XX/XX/XXXX to get a update on my accounts that Ive had since XXXX and the man said they closed it for another reason. He never told me why my account was closed. I have never been late and I provide all documents that were requested for the 1st issue. This is has messed up my credit report because they closed my account in error or for no reason. They send a 24 month warning letter on XX/XX/XXXX and I provided information and then they still closed my account. The account was reopened now its closed again after I did my part as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 4. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 6. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 12. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 13. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 14. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 15. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 16. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 17. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 18. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 19. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 20. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 21. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 22. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 23. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 24. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 25. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 26. XXXX XXXX A on XX/XX/XXXX ( Reported Identity Theft ) 27. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 28. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 29. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 30. XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXXXXXX XXXX XXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX XXXX XXXXXXXX *** Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. 
Please update the status to paid as agreed on my credit report XXXX XXXX XXXX - XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate This Debt XXXX XXXX XXXX  XXXX *** Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report XXXX XXXX - XXXX **** Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, 1 was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX XXXX - XXXX **** Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate debt These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

I bought my house in XXXX and tried to refinance it in XXXX. They told me I need to get it appraised. I spent the money to get it appraised. It appraised for over XXXX. I was denied to have it refinanced at a cheaper rate. My rate is set at 5 % and I was trying to cut that in half. Also, they're making me pay a Mortgage insurance every month. I bought my house at XXXX and owed less that XXXX. They said I had to be less than 75 % of payoff. Which clearly falls below that. But, yet they're still charging me a mortgage insurance and refuse to cancel it. At the current market, my house would appraise for over {$390000.00} and owe less that {$200000.00}. I have built a XXXX shop on the property, new roof, new fence and had a lot of concrete poured. I have never been late on any payment in my life and at XXXX XXXX XXXX I have excellent credit. I didn't finance my home through Wells Fargo. It was sold to them. They could have told me I didn't qualify to refinance before I had it appraised. Instead they waited until after I spent the money to have it appraised, which was clearly wrong. I feel they have no reason to turn me down on refinancing my home at a cheaper rate. I have never missed a payment or never been late. Clearly they are not wanting help the customers and are taking advantage of them.
Product: Mortgage

On XXXX XXXX I submitted an application for a refinance with XXXX XXXX XXXX and XXXX. It was done at the XXXX XXXX. Everything was discussed by XXXX XXXX, the loan officer. The product that seemed to work best for us was a XXXX Smart rate adjustable 30 yr low cost loan. The rate was locked in at 3.19 % APR for 60 days. 
Our credit was pulled and everything was ready to go. We were told that this product was great because it gave you an 85 % loan to value instead of the traditional 80 %. we decided to move forward. The appraisal was done the very next day. It came in a lot lower than we were expecting but it was still enough for the amount we needed. 
We were a little over the debt to income ratio so we decided to put in a pay off of our XXXX XXXX which was XXXX. We were also paying off the equity line of credit of XXXX. This would have relieved us of XXXX dollars in debt. Thus bringing down the debt ratio as it was explained to us. 
The loan was sent to underwriting on the XXXX of XXXX. On XX/XX/2020 we got an email asking us to be patient. On XX/XX/2020 we received a call telling us the loan was approved but for only XXXX instead of the XXXX. When we asked the loan XXXX, She said our appraisal was too low?? I didn't understand and pressed further for an explanation and was told on XXXX XXXX that the rules on this product changed and the loan to value changed from 85 % to 70 %. they said they were protecting their bank because of the Corona Virus. 
I called the corporate headquarters and asked questions to why we were not as the consumer notified of this. I was told they suspended the product we were offered and we were in the pipeline when this happened and all those loans that had been just sitting in underwriting were denied. I feel this is so unfair. We had all the info in for weeks before the virus. I asked to talk to underwriting or if any other product would work for us and we were told no consumer could be transferred to underwriting. We were not offered any other loan except the one that was offered to us but we would have to bring about XXXX to the closing. 
I asked why I would need that much money at closing and I still don't understand. I am very upset by all of this and Third Federal Savings and Loan was recommended to me by my accountant because he said they cared about their consumers. I don't feel like that is true now. I feel they are looking out for themselves. I received a call from the associate XXXXanager at this branch and basically said there was nothing more that they could do because they were being very protective due to the Covid 19. 
The corporate office also said that no exceptions would be made because then they would have to do it for everybody. I feel the agreement should be honored since this was all started 15 days before the product was suspended, Thank You so much for looking into this matter
Product: Credit reporting or other personal consumer reports

Recently Experian does not put a copy of the findings in the dispute portal but the findings will say you must call to get more info. 

The automated system is not real its just a pre recorded message. 

First she ask for your social, then she says she did not catch that and request your social a second time. After you retype 9 numbers ( doesnt have to be a real social I used a random 9 numbers several times ) she then says got it. Lets pull get you to the right person. As if she actually retrieved a file. Which is impossible because I used a mostly zeros once and I am sure no one alive has that social.

Finally no matter what you select she says she can not connect you with an agent. The choices you have are to send request by mail ( which I did ) or check the website ( which directs you to the phone call ). 


This behavior is against the consumer protection act as there is no way for me to actually resolve incorrect information on my account.
Product: Debt collection

XX/XX/2021 - was contacted twice, once at XXXX and again at XXXX. Answered second call and asked agent what company she was with, she refused to provide that information until I verified my information with her. This company calls me multiple times a day, 7 days a week as early and as late as they are legally allowed to do. I've asked for the calls to cease, the company has my mailing address, and they continue to call despite this. Agent also refused to give an address to send a cease and desist letter to upon calling back.
Product: Credit reporting or other personal consumer reports

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 looked at my Experian credit report on XX/XX/year> and notices some things are incomplete and not accurate. And according to the fair credit reporting act, 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 according to 15 USC 1681 ( e ) ( b ) And according to 15 USC 1681i5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverified information.

( A ) in general 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 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.

And according to 15 USC 1681s-2 they are suppose to 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: Credit reporting or other personal consumer reports

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Email : XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX  D.C. XXXX XXXX : Formal Complaint XXXX XXXX XXXXXXXX XXXX XXXX XXXX. for Breach of Agreement to Remove Late Payment from Credit Report Preparer Information : This complaint has been prepared by XXXX XXXX XXXX ( Pending, CFCM, CCCM, CPCM ) on behalf of XXXX XXXX to ensure that the matter is adequately documented and presented for CFPB review. 
Complainant Information : Full Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, PA XXXX Previous Address : XXXX XXXX XXXX XXXX, XXXX, VA XXXX Government Identifiers : XXXX Complaint Summary Complaint Details Account Information : This complaint is being filed against XXXX XXXXXXXX XXXX  XXXX, regarding their failure to honor an agreement to remove late payment records from my credit report. This failure has resulted in financial hardship, including potential harm to my ability to secure a mortgage for a scheduled home purchase on XX/XX/XXXX. 
Creditor : XXXX XXXXXXXX XXXX XXXXXXXX. 
Account Number ( Last Four Digits ) : XXXX Type of Account : Revolving Charge Account Credit Limit : {$10000.00} High Credit : {$8700.00} Date Opened : XX/XX/XXXX Account Status : Closed by Creditor ( XX/XX/XXXX ) Past Due Balance : {$350.00} ( Now Paid in Full ) Delinquencies Reported : 30 Days Late : XXXX times 60 Days Late : XXXX times Please see the attached with continue issues
Product: Mortgage

On XX/XX/XXXX, I was informed by my Home Owners insurance broker that my Home Owners insurance had lapsed. The insurance is paid via an escrow account and was up for renewal XX/XX/XXXX. The insurance company tried billing our preiovus lender which was XXXX XXXX. However, last spring we refinanced our home to HomeBridge. Apparently HomeBridge never notified our Home Owners insurance that they were the new lender. So when my insurance company was told by XXXX XXXX that they are no longer our Mortgage company , the insurance company didn't know what to do so they canceled the policy. My broker then had to get me a new policy which was an increase of {$200.00} per year on the premium. I went to HomeBridge with this information and asked them why they never contacted the insurance company. Their response is that it isn't their responsibility to do that. Clearly this is a BIG problem. I need help in understanding who's fault this is so that going forward this doesn't happen again.
Product: Credit reporting or other personal consumer reports

Dispute of Unauthorized Credit Inquiries.

To Whom It May Concern, I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiries : XXXX XXXX XX/XX/year> Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. Enclosed is a copy of my identification to verify my identity. I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Credit card or prepaid card

On XX/XX/XXXX I discovered fraudulent withdrawals from my debit and reported it to Bank of America and filed report with XXXX XXXX police dept. 
the withdrawals were made at atms at 5 different banks and emptied my card XX/XX/2021 XXXX XXXX {$800.00} XX/XX/2021 XXXX XXXX XXXX {$800.00} XX/XX/2021 Bank of America {$800.00} XX/XX/2021 XXXX XXXX {$980.00} XX/XX/2021 XXXX XXXX  {$500.00} I filed a claim with Bank of America on XX/XX/2021 I immediately filed police report with XXXX XXXX police next morning when they opened The bank removed that debit card and sent new one on XXXX XXXX. 

I called every day and a copy of police report as soon as I could I could not get anything but that it was being investigated every time I called then on XX/XX/2021 the withdrawals being investigated showed up as temporary adjustment credits then on XX/XX/XXXX I received a letter ( that was dated XXXX XXXX ) saying the transactions were authorized and posted correctly and removed the money. 
This was done even though there is evidence found by police and XXXX XXXX XXXX to prove it was fraud.