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

I received a notice dated XX/XX/XXXX that my credit line was being reduced by {$5000.00}, from {$6000.00} to {$1000.00}. I have had this account for almost 6 years, and my credit report has no delinquencies, collections, nor have I had any serious issue making payment on this account when due. I've been paying this and other bankcards in full, I own 3 properties, and the only accounts, including this account, with balances are 0 % promotional balances.
Product: Debt collection

INVESTIGATION RESULTS - DELETED The disputed item ( s ) was removed from your credit report. 
XXXX XXXX XXXX # : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX We investigated the information you disputed and updated : Date Updated ; Remarks. Here is how this item appears on your credit report following our investigation. 
Placed for Collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$1100.00} DateUpdated : XX/XX/XXXX Original Amount : {$1100.00} Original Creditor : MEDICAL-XXXX  XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX Past Due : > $ XXXX Pay Status : >In Collection< Remarks : ACCT INFO DISPUTED BY CONSUMR ; >PLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

check attachment. NCB is in violation of 15 usc 1692e. ( 11 ) and 15 usc 1692g
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom It may concern. My problem seems to be with Equifax providing wrong Information to XXXX and XXXX XXXX about my account. I applied for these cards on XX/XX/2019. I was told by credit karma my score was good to sign up. However Equifax as wrong information. I had this credit cards years back XXXX XXXX. XXXX XXXX XXXX loans took it over at some point. In Late XX/XX/XXXX this was all paid off. They agreed to remove any late fee 's and any negative reports on my credit and that my credit would be fixed with all credit companies. XXXX has no problems. Just seems to be Equifax. I do not want to have tons of Hard Inquiry 's due to applying for same card twice due to this misunderstanding. If someone can call me as soon as possible to resolve this matter. I feel this Is totally unacceptable and Equifax should stick to there word and remove this from my report since I paid as agreed upon.
Product: Debt collection

I found a collection account on my credit report from Sequium. They were collecting for XXXX XXXX. I never received a notice from them as they had an old address. I called XXXX XXXX and paid the balance to them on XX/XX/2019 and at that time XXXX told me that once the payment went through, that this account would be recalled back to XXXX XXXX and Sequium would then be removed off of my credit report. Through many phone calls and lost hours on this, Sequium is stating that they never got these notes and XXXX XXXX is telling me that they have called Sequium to get this resolved. 
I am in the middle of my mortgage loan and this is impacting me and it has been 4 months and I need this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have contacted equifax several time about these inquiries and bk that does not belong to me please help me to get them to understand and removes these items
Product: Money transfer, virtual currency, or money service

I try to send money through XXXX and the transactions are not sent. PNC seems to be disconnected from my XXXX account and will not complete payments.
Product: Credit reporting or other personal consumer reports

My credit score is like a roller coaster up and down. Someone is using my identity to buy things and send money to people I don't know. Someone pretended to be an agent from FTC and scammed me out of money.I started noticing this about two months ago. Companies pretending to be a loan company and say they can't loan you money but they can help you if you just don't pay your bills and hire them to represent you for so much per month for so many years. Then there Insurance scams that you can get real cheap Insurance and when you call it's at lease twice as what you are already paying. I can ' even get a home equity loan because of this because some max my credit cards account out.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX lease account was paid in full as of XXXX, XXXX, the lease was completed as scheduled and returned as required. As of the date XX/XX/XXXX, there was a certified letter for No Response to a 1099 Request to Hyundai Finance to validate the charge-off reported on my consumer credit report. " You failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation Not only have you ignored my prior requests for validation of debt ( proof attached : receipt copies or letter copies ) but you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and please provide the following : Validation of Debt Request -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest, and penalties -Contract bearing my personal signature As you XXXX be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the XXXX in my defense. 
I expect to receive the proof requested above within 15 days of this letter. Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted. ''
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 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: Checking or savings account

BBVA bank had been planning on closing Simple and converting the customers to their bank on XX/XX/2021. They had been planning for months. I had moved most of my money out, but about a week before Simple closed, I deposited a check for around {$3900.00} and when it cleared, I was not given the option to move the funds to my new bank. I decided to wait until XX/XX/XXXX when the conversion was complete and would take the money out of my newly assigned BBVA account, however, I was not able to get online access. 

Their customer service kept hanging up after saying " they couldn't hear me '' ; and it is almost certainly pre-recorded messages as they pick up immediately after one ring and all sound the same with the similar message.

There are multiple other people experiencing the same issue with the online account access and customer service hang-ups. There is not a physical branch within 2,000 miles of me, so it is extremely difficult to get access to my funds.

BBVA had months to prepare for this transition and have failed to provide adequate customer service support for the failed transfer of services. I, and a lot of other people, are not able to access our money when we need it the most. 

I hope some sort of action can be taken against this gross misconduct of people 's finances.
Product: Debt collection

I would like proof that I owe this debt and that this debt has not been settled yet
Product: Debt collection

XXXX from Simm Associates out of XXXX, DE. He demanded the last XXXX of the SSN before identifying himself. We finally got him to use an alternate ID. Then he identified the himself and what company he worked for. He told her the debt and ask what for type of payment for debt. We informed him that we were not able to pay it at this time and to have a nice day with that we ended the call. He called right back and when I answered the phone I asked his name and what company he was working for he hung up on me. I called the number back and he answered the phone with " This is XXXX and you have reached SIMM Associates ''. I said so XXXX with SIMM Associates that was n't hard. XXXX then starts shouting at me saying you man enough to call me back then be man enough to pay this bill. I told him that I was filling a complaint and he said he did n't care so I hung up.
Product: Credit reporting or other personal consumer reports

I am not familiar with this account. I originally called XXXX XXXX and they informed me that they had not sent any accounts to collections. I then filed multiple disputes with Transunion. The results reported that the account was verified. I then contacted XXXX XXXX XXXX and they informed me that there was no account there matching my social security number. They said I needed to reach back out to Transunion to confirm the information being reported. When I spoke with Transunion, they concluded it was an account from XXXX, however, they do not offer XXXX in the region that I live. So, I believe this account was opened fraudulently under my name.
Product: Credit card or prepaid card

I have tried to log on to the website and online app in XXXX and XXXX to submit the payment on the due date, and each month it has been hit or miss if the online payment option is available. In some cases I have input my information only for the payment to keep not processing. This company only allows for 1 yearly waiving of the late payment fee which is {$41.00}, regardless if the payment is late due to their system failures or not. When I called to speak with customer service, no one is ever able to assist me, and they keep telling me to utilize other ways to pay, of which all require submitting the payment 5-10 days prior to the due date in order for it to post in time or charges you an additional {$10.00} processing fee. They take no accountability for the online payment option not working correctly, and make you feel like the issue you're having is isolated and has never been brought to their attention. I can never speak with a manager when I call, and the manager 's never call back when requested. I was advised to submit a request by mail or fax to apply an additional waiver of the late fee, to which I found that the fax number would not connect. I asked if someone would follow up if sent by mail or fax, to which I was told, no. They will either honor your request or do nothing. This has been an awful experience, and for someone like myself working to repair my credit, it's become more of a headache to keep calling and frustration to keep paying late fees in order to keep my account in good standing. Now that it's current and this has happened twice, I don't intend to use the card outside of emergencies, but it feel like a set up on their end to collect fees and extra money.
Product: Money transfer, virtual currency, or money service

My PayPal account got permanently limited with my money stuck ( {$130.00} ) inside. I had to wait for 180 days before I could withdraw my money. But after 180 days, around the period of XXXX - XX/XX/2023, I was told that I won't be able to withdraw my money without giving any reason. I have had no chargebacks on any transactions done with them, yet they still hold my money. I have messaged them on several occasions thereafter but they still give me generic responses without any reason and as the last time I messaged them, they have not yet responded to me and they have now blocked me from messaging them any further.
Product: Credit reporting or other personal consumer reports

I have spoken to customer service five times - all recorded where they promised to remove the membership fee from my account that I cancelled in XXXX. It is now and my credit report is affected by an overdue account that was promised to me to be cancelled and XXXX balance - XXXX times. The last call in XXXX, an operator assured me that a complaint/investigation was being filed regarding my issue. I have heard nothing since, and my credit score had dropped severely due to a 90 days late notice. I have never experienced such a complete disregard for promises made to a customer- so many times.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX. account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have to the right to privacy.

15 U.S.C. 1681 Section 604 A, Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

This account was open due to fraud and identity theft. It isnt my account.
Product: Credit card or prepaid card

With Pay Pal I never opened the line and have asked them to close it. They keep saying I must call them. When you call there is over a 20min wait. I have asked them to call me and the will not. I have emailed them a few times and they will just not close it. 

XXXX XXXX. 
PayPal Credit Customer Care- is the person who has been no help
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights . Or list of inquiries 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 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: Credit card or prepaid card

I have tried to apply to different credit cards but they just get declined right away. But the problem it's not that they are declined, it's that they don't even verify if qualify or not. I don't even see on my credit report that I ever applied for a card. 

I already contacted XXXX XXXX and XXXX but they were unable to help. I don't even know what the problem.
Product: Credit card

It appears the Synchrony has taken over Chevron credit cards. In so doing, I now must sign up for e-delivered statements in order to even see and download a statement on line. I can not believe a credit card company can do that. Plus, I didn't even get my paper copy of the statement this month and the only remedy is to request a duplicate paper statement. Talk about trying to force customers to e-delivery.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of the reporting of my account with JPMorgan Chase Bank, as it appears on my credit report as of XXXX XXXX XXXX. The account in question is being reported as both charged off, written off, and past due, which is inconsistent and misleading. It is not possible for an account to hold three different statuses simultaneously, and this discrepancy raises significant concerns about the accuracy of your reporting. 

Furthermore, the recent balance listed as {$2600.00} is particularly troubling. Charged off accounts should not reflect an outstanding balance, as the debt has been canceled and classified as a credit for the consumer. As it is a credit for the consumer ( me ), this further supports the assertion that it should not be reported as a past due account. 
The erroneous reporting of this account has had a detrimental impact on my credit score and overall credit health. Under the FCRA, financial institutions are obligated to report accurate information, and failure to do so can harm consumers significantly. In my case, this inaccurate reporting has already caused me substantial distress and financial setbacks. 

I request that you correct the inaccuracies on my credit report by not reporting it to the consumer reporting agencies as soon as possible. Please confirm in writing that these corrections have been made.
Product: Credit card or prepaid card

My husband ( who I have been separated from ) opened credit card accounts in my name and left me alone with a mortgage, XXXX to support and put food on the table all while I have been a XXXX XXXX XXXX mom. Its been very difficult to pay anything let alone any credit card that I never opened.
Product: Checking or savings account

It began I was on the road a friend needed help with a car payment since there was no contact I was to far away to give cases I put money on a cash app card and sent her {$600.00} later in she said she never received the funds so I XXXX cash app number and was put threw a rep I wanted my funds returned gave information to my account they had me download an app for them to refund the funds they took {$2.00} out without permission they told Mr to calm down that they were going to be longer than usual I was getting angry they told me to call back in XXXX min and number was not active I immediately contacted chime they told me they said they would looking into it closed account down my blocked me and I still had {$500.00} in account several weeks went on got a letter in mail stating that account closed they said it was my fault so help from chine my number is blocked when I call to find out about my account and how is it my fault can't get answers for months I need my hard earned money back my sister did all foot work to investigtion and got more info on situation please help single mother work hard for my money Thank you and God bless
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX are incorrectly reporting to Equifax and XXXX duplicate items in the amount of {$10000.00} on the XXXX account number XXXX and the XXXX account number XXXX. ( Please see page 3 of the attached credit report. ) This duplicate reporting of the same account is harming my credit score and is a violation of the Fair Credit Report Act. This line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to fix this, however I have not been successful.
Product: Checking or savings account

XX/XX/year> I received a card in the mail from XXXX that included a routing number and account number for a debit card with XXXX, XXXXXXXX XXXX, requesting activation I did not open this account or request that one is opened on my behalf. The letter instructed me to activate the card and provide the information for my direct deposits in order to get my funds up to 2 days earlier. I called XXXX XXXXXX/XX/XXXX to close the account and open a fraud investigation. The insisted that I provide them my PII information to verify the account that they were closing was the correct account. I refused because the account was fraudulently opened and I do not know what other information of mine they had. I did verify the house number of the address that they have on file since that information is outdated ( the letter was forwarded by XXXX to my current address ). 
After being transferred to the fraud department, there they claimed to have closed the account however would not verify the last four numbers of the account they closed and instructed me to contact the Federal Trade Commission.
Product: Credit reporting, credit repair services, or other personal consumer reports

One of my creditors ( probably only someone that I am past due on ) updated my credit report and put in my wrong middle initial. I am XXXX XXXX ( XXXX ) XXXX. They put my middle initial as XXXX. 

This just happened over the past few weeks, as I view my report each week. 

Someone needs to fix this!!
Product: Checking or savings account

My account was taking over from fraud for about two years now and I have been calling all of this time I sent in documents and police reports for the last two years and BofA is still telling me pending XXXX XXXX dollars they know the problem but just choose to give me the run around and each time I call Im being told something different!
Product: Checking or savings account

Someone has hacked into my phone and was able to gain access to my account, on XX/XX/XXXX at XXXX XXXX  I received a email from my bank saying my email address has been updated and I didn't request the change, and was locked out of my account. I immediately contacted the bank to report it and had to submit a identity verification by emailing a photo of myself holding my ID and was told it could take 1 to 12 hours to be reviewed. I called the bank again later the same day at XXXX in the afternoon, after verifying me they updated my account and I was able to finally gain access to my account that's when I noticed a transaction that occurred XXXX in the morning, my money was transferred to my checking account and then they did a XXXX XXXX transaction for {$300.00} to account under the name XXXX XXXX. I immediately contacted the bank again and reported the transaction because clearly it couldn't have been me because I called them XXXX hours prior to it happing because my information had been changed. No one could explain to me how my account was not immediately frozen when I reported the suspicious activity prior to the transaction. Chime has denied my dispute
Product: Mortgage

Loan officer denied loan estimate after providing all necessary information required to obtain one including : your name, your income, your Social Security number ( so the lender can pull a credit report ), the property address, an estimate of the value of the property, and the desired loan amount. 

XXXX XXXXXXXX Mortgage Loan Officer | NMLS # XXXX p. XXXX | c. XXXX XXXX e. XXXX XXXX