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

Without any advance notice or any cause, XXXX XXXX XXXX ( " XXXX '' ) ( credit grantor Synchrony Bank Financial ) lowered my credit limit from {$3000.00} to {$2200.00}. 

-I have been paying over the minimum balance for almost 2 years, -I have not been 30 days or more late on payments for the almost 2 years, -There are no returns on the account, and - My credit score has increased with resolving credit decreasing within the last year. 
-I have not been 30 days late on any payments that are reported to the credit bureau for the last 180 days I spoke to XXXX , Account Manager,  and he said that there was nothing that can be done. I have other Synchrony Financial store cards and the credit limit was not reduced with those cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have opened numerous complaints with this agency only to see them " CLOSED and FILED '' upon receipt of a response be it inaccurate, incorrect or outright lies. Currently my wife are undergoing financial hardships brought about by incorrect, untimely reporting! Trying to reach any of these bureaus is a farce. I understand they are now under the control of   XXXX   XXXX   XXXX   but frankly same old, same old. A review today of my " protection ''  XXXX  -placed by the  HR Department of the United  States Governmen t indicates the reports still reflect incorrect information and wrong information has not been corrected. I h ave filed with  the CFBP Ombudsman and Vice Presidents office for  help but to date nothing!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my credit report and there are two medical bills,, that are on my credit file. One does not belong, to me. These accounts, have been sold to two collection agency ( s ). Trans financial ( which was a account transferred from " XXXX XXXX XXXX XXXX XXXX '' and XXXX XXXX ( which was account transferred from " XXXX XXXX XXXX XXXX '' I don't have any outstanding accounts with XXXX XXXX XXXX XXXX '' and I have never done any business with XXXX XXXX ( collections agency ( s ). Both these collection agencies are in violation, because if a debt has been purchased, they are required to make contact and I am allowed a certain amount of time, to cure the matter. Before it can be reported, on my credit file. Per the Fair Credit Reporting Act. Trans financial, just contacted me on XXXX  2018, a year and one month, after the account, was placed on my credit file. As for the XXXX XXXX account. I have no knowledge of this account, what so ever and it is not my account, nor has XXXX XXXX, made any effort to contact me via phone, email or U.S Postal service. To determine if the account is actually my account or if I would like to cure the debt. A direct violation of the Fair Credit Reporting Act.

As for the tow original credit, per the credit report, neither account holder, has ever made a attempt to contact me via email, phone or U.S Postal service, to determine or validate if this debt is my actual debt or if I would like to cure the matter. How can a matter be cured, if one party doesn't know that the matter actually exist
Product: Credit reporting

Transunion has reinserted previous unverifiable negative accounts on my file. I have send out dispute letters showing negative accounts that have re-aged history, recent payments on accounts that have been close or sold and all I get in return as results are letters with verify statement from furnishers.
Product: Credit reporting or other personal consumer reports

I OBTAINED PROOF THAT EQUIFAX WAS INCORRECTLY REPORTING THE COLLECTION REPORT FOR BUREAU OF ACCOUNTS CONTROL. THEY HAVE THE BALANCE LISTED AS {$780.00}. I SHOWED PROOF THAT THE BILL WAS NEVER {$780.00}, IT WAS {$600.00} AND THEN I SHOWED PROOF THAT I MADE TWO PAYMENTS IN THE AMOUNT OF {$100.00} EACH BRINGING THE BALANCE DOWN TO {$400.00}. BY FEDERAL LAW A MEDICAL COLLECTION UNDER THE AMOUNT OF {$500.00} CAN NOT BE REPORTED TO THE CREDIT BUREAUS AND MUST BE REMOVED FROM THE CREDIT REPORTED. I HAVE SUBMITTED THE DOCUMENTS AND DISPUTED THIS INFORMATION ATLEAST 5 TIMES IN THE LAST 3 WEEKS. IVE SPOKEN TO REPS OVER THE PHONE WHO REVIEWED THE DOCUMENTS AND SEE THE MISINFORMATION BUT REFUSE TO TAKE THE ACCOUNT OFF. I HAVE REPORTED THIS TO THE BBB AND WILL RETAIN A LAWYER AS THIS IS A VIOLATION OF THE LAW. THIS NEEDS TO BE REMOVED ASAP! I ALSO SHOWED PROOF THAT XXXX AND XXXX HAVE REMOVED THIS ACCOUNT AS IT DOES NOT QUALIFY TO BE ON MY REPORT!
Product: Debt collection

I pulled my credit report and found a few inaccuracies as a result I contacted the FTC and followed their direction with regard to resolving the matter. Nonetheless I was a victim of FRAUD and I made a police report and other necessary filings. However, this company continues to try and collect on a FRAUDULENT account. I was advised to file with your establishment before contacting the FCC and others.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a card with XXXX XXXX  and I paid it off in XXXXXXXX XXXX XXXX. I didn't even have a balance on the card in XXXX or XXXX and they reported the account as late. They put some charge on the card for {$49.00} in XXXX and then reported me as late again in XXXX. I think it was some fee they charged on top of the outrageous interest rate. I tried to resolve this with them but then would not respond after saying they didn't agree but could not give me the documents I requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting incorrectly a balance of {$6800.00} on the XXXX XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full and should be reporting a {$0.00} balance. XXXX and XXXX are reporting correctly. This incorrect reporting is harming my credit score and this line item needs to be removed. I have contacted the bureau to fix this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these Inquiries deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/2021 As a consumer by law this account must be deleted immediately 2. The inquiry was not authorized XXXXXXXX XXXX  Date of inquiry : XX/XX/2021 As a consumer by law this account must be deleted immediately
Product: Debt collection

this company is reporting information twice on my profile. It is impacting my ability to get credit .I believe it is malicious and would like it to be removed as it is it illegal to report it twice
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations not mine see the Ftc : Afni AFNI Reported balance {$1400.00} Check if I should dispute Dismiss this action
Product: Credit reporting or other personal consumer reports

I have disputed multiple accounts that seemed to have been fraudulent. I submitted information supporting my disputes. Experian has yet to provide me with how investigations were completed. They have failed to provide me with any information regarding these disputes. I have attached documents
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account XXXX XXXX XXXX XXXX XXXX - Inquired on XX/XX/2021 XXXX - Inquired on XX/XX/2021 XXXX XXXXXXXX - Inquired on XX/XX/2021 XXXX XXXX XXXX XXXX inquired on XX/XX/2021 XXXX XXXX inquired on XX/XX/2021 XXXX XXXX XXXX XXXX - inquired on XX/XX/2021 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 instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times to explain to Experian that the reports that have been placed on my credit report is incorrect, many of the accounts closed and a few with wrong information that is causing significant issues with my credit that I have been working so hard to fix. I am making payments to these companies and experian continues to report and allow false information on my credit report that other companys have fixed on their end.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have sent these collections to the Transunion and they are not deleting them and they are not mine. I have attached an FTC report to get them removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing because I have submitted multiple request to XXXX, Equifax, and XXXX about a bankruptcy on my credit report. Unfortunately, they have yet to assist with removing this inaccurate information. The bankruptcy on my credit report is showing an unknown case number and they all differ from each other with every bureau. The filing date is also incorrect across all three bureaus. The closing date is also showing differently across all three bureaus. My name is not correct on any bankruptcy filings either.
Product: Credit reporting or other personal consumer reports

The presence of these unauthorized accounts and inquiries has caused considerable concern about my financial stability. It is crucial that my credit report accurately represents my financial history, as it plays a vital role in informing potential lenders about my financial management. Therefore, I am requesting an urgent investigation and swift correction of the following inaccuracies and unauthorized accounts. 

Collection XXXX XXXX - XXXX - {$270.00} Late Payment XXXX - XXXX XXXX - XXXX
Product: Debt collection

I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Credit card or prepaid card

On    XXXX   XXXX   2017 I mad e a purchase thru the Chase Shopping Portal for a subscription to the   XXXX   XXXX   XXXX  . Please See attachments ; Statement ( pg 3 ), and   XXXX   XXXX   Receipt. The bonus points on the portal showed +1000/ {$1.00}. As shown with all purchases thru the Chase Portal this is  XXXX  bonus points per {$1.00}. Please see attachments ;   XXXX   XXXX   home subsrcip, and   XXXX   XXXX   UR portal. I have made other purchases thru the portal and they have all been " + ( points ) / ( per dollar ).
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I contacted Chase to confirm purchase thru the shopping portal and to let them know I did not see the bonus points pending. They confirmed they say the charge and to wait 45 days to see the bonus points post. See attachment ; Secure message center 1. On    XXXX   XXXX   2017 I  again confirmed the purchase for {$370.00} and was told again to wait till 45 days had passed since the purchase, See attachment ; Secure message center 2.
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On    XXXX   XXXX   2017 I   contacted Chase to let them know the 45 days have passed and have still not seen the bonus points, they confirmed they would review the concern. Please see attachment ; Secure message center 3. I received a response on   XX/XX/XXXX  stat ing they have added  XXXX  points for the bonus. Please see attachment ; Secure message center 4. I responded and confirmed the attachments of the screen shots of the portal showed  XXXX  bonus points per {$1.00} spent. Chase then replied that it is only  XXXX  bonus points in total. See attachment, Secure message center 5.
<P/ > On   XXXX   XXXX   2017 I re sponded to Chase and explained that it clearly shows  XXXX  points per {$1.00} as the bonus. I included the attachments of the screen shots again showing that their website shows +1000/ {$1.00} and explained that just like the other offers they show, it is  XXXX  bonus points per dollar. I explained I felt this was a bait and switch, and an unfair and deceptive act and practice. Please see attachments, secure message center 6 and   XXXX   XXXX   UR portal. Chase stated they would forward the concern and respond in two business days.
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On    XXXX   XXXX   2017 I  sent a message to chase informing them 4 business days had passed and would like a response. They replied they would send my concern the the relevant department. See attachment ; secure message center 7.
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On     XXXX   XXXX   2017   I sent a message to chase informing them that is has now been over a week and explained again that I felt it was an unfair and deceptive act, and a bait and switch and requested an answer in a reasonable time, even though I felt a reasonable time had already passed. They responded they would forward my concern to the relevant department. See attachment ; secure message center 8.
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On    XXXX   XXXX   2017 I   received a response stating they would only honor  XXXX  bonus points in total. See attachment ; secure message center 9. I have not responded to this message since it has become clear to me that chase will not honor what they have advertised on their shopping portal.
Product: Student loan

I lost my job in XX/XX/XXXX, I was able to make my payments through XX/XX/XXXX but due to the lack of funds I could not make the {$380.00} pmt in XX/XX/XXXX. I called Navient multiple times to see how I could lower my payment as I had no income coming in. The representative I spoke to directed me into a forbearance for several months until I could get back on my feet. I just spoke to a representative today, XX/XX/XXXX and she said that since I did not have a months worth of paychecks to renew my IDR I had two options : let my account go past due or go into a forbearance again. Since XX/XX/XXXX my principle loan balance has gone up due to the accrued interest being capitalized when my loans were in the forbearance. I feel cheated and misinformed here. When I went into the forbearance I was not made clear that interest is still being accrued and the interest would be tacked on to my principle balance. I have been paying consistently for years and instead of my loans decreasing they have gone up an additional {$2000.00} since XX/XX/XXXX. I feel cheated and disgusted that a company of this size can do this to people without informing them. I am currently in an IDR plan and finally found employment. I still have yet to be paid and when calling into Navient they steered me again into a forbearance due to me not being able to provide a months worth of pay stubs. However this time, they had a recording informing me of the accrued interest being capitalized while in a forbearance. Again, the representative only gave me two options to choose from. This was the first time for me understanding this and these companies are failing the hard working people who have student loans. PLEASE HELP!
Product: Credit card or prepaid card

I called JPMCB about fraud that was done on my account. Back in XX/XX/XXXX. They have it documented as fraud but never removed it from my account. They then wrote it off as bad debt and sent it to collections. I just got back from over seas travel in XXXX to see that the fraud was never taken care of. I contacted them on XX/XX/XXXX and subsequently contacted them XXXX and they still have not removed this account from my credit reports. It is still on file at XXXX and XXXX   reporting agencies.
Product: Credit card or prepaid card

I learned today, via my wife, that Navy Federal withdrew {$160.00} from our Joint Checking Account with Navy Federal to pay a past due credit card balance with no previous authorization from myself to do so. They won't speak with my wife because, despite being a joint account holder for the checking account, she is not a joint holder on my credit card account. Now typically, as shown through my Navy Federal Credit Card ( XXXX XXXX XXXX XXXX ) payment activity, when I do miss a payment, I pay twice the amount the following month. Now, no one from Navy Federal Credit Union called me and left a message regarding the past due bill, they just automatically withdrew the money. Initially, I had my wife reach out to Navy Federal to resolve the situation but despite being a joint checking/savings account holder, they would not speak to her about the unauthorized deduction from the account because it involved my credit card, to which she is not a joint holder. In speaking with the credit collections department at XXXX, today, XX/XX/2019, they stated as part of Navy Federal 's Credit Card 's Terms of use they can make an such a deduction. I explained to them, that this is not legal and specific authorization has to be made by me or my wife to do so. I requested, then demanded the return of the {$160.00} as that is my son 's money ( who is XXXX going to be XXXX ). I am requesting the CFPB look into this issue regarding financial institutions who issue credit cards being allowed to make unauthorized deductions from private accounts without obtaining verbal or written authorization to do so. Thank you for your time.
Product: Mortgage

For XXXX months I have been trying to access my OneWest on-line account to make a payment. I was locked out of the account and OneWest will not assist with helping to re-set the passwords! I 've called, and made requests in writing, to no avail. I 'm now sending payments based on my recollection of what past payments have been, and am unable to view the account to see if those payments are over or under the amount due. My last payment of {$800.00} was sent on XXXX XXXX, which should have been more than enough to cover what was due. On XXXX XXXX I see a XXXX days past due ' come up on my credit report!! Unacceptable and to my detriment because of their poor customer service. What is my recourse and how do I get this OFF my credit report??
Product: Checking or savings account

On XX/XX/2019 we deposited ( via ATM ) two checks, each in the amount of {$15000.00}, for a total of {$30000.00}. 

This is typically more than our normal deposits, but we deposit around {$7000.00} or more each month, so it was not extremely out of the ordinary. 

We have had accounts with US Bank for more than 5 years, and have never overdrawn any of our 6 checking or savings accounts. 

A few days later, both checks showed as " posted '', but neither were included in our available balance. My husband called the bank and they explained there was a hold on the checks and that the funds would be available on XX/XX/2019. 

Today is XX/XX/2019 and the funds are still not available. Upon doing some additional research, I learned more about Reg CC ( a regulation I was already somewhat familiar with from my schooling ). 

It is my understanding that within 1 business day {$200.00} should have been made available, and within 3 business days another {$4800.00} should have been made available, and within 7 ( today ), the rest should have been made available. As previously mentioned, we have never overdrawn, nor are we new customers.

To date, 7 business days after the deposit, no amount of the funds have been made available and upon a call to the bank, they stated it is a " processing '' issue and were unable to provide any further explanation or information and said the funds should be available tomorrow.
Product: Mortgage

Please see attached email conversations where we have been lied to repeatedly about an escrow refund check. Also see photocopy of the check, dated the XX/XX/XXXX, along with the envelope dated the the XX/XX/XXXX. As can be seen from the emails and documents, Franklin American Support Representatives did nothing other than send false information out regarding the check. Based on that false information, we asked for a new check, only to have the original check arrive the next day. We immediately notified them by email of receipt and asked to have the stop pay process halted. 3 days later we were told we would have to wait again for the refund. Due to health and work issues, this refund is very important, and we do not trust Franklin American to handle in a timely manner. We also do not feel that Franklin American has acted in a manner consistent with the requirements of a fiduciary regarding these funds.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. 
1. The following personal information is incorrect Account Number : 2. XXXX Account Number : XXXX 3. XXXXXXXX XXXX XXXX Account Number : XXXX 4. The following personal information is incorrect Account Number : 5. The following personal information is incorrect Account Number : 6. XXXX Account Number : XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. 
PER XXXX IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 4810-AM-P BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR PART 1022 [ DOCKET NO.

CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax XXXX XXXX to dispute items from my credit report. 

XXXX XXXX XXXX for the amount of {$2300.00} which is not my account! The Bureau havent sent me documents proving that this is my debt but sent me update saying that this item will be deleted. As of XX/XX/2022 the account is still on my file TWICE XXXX XXXX XXXX for the amount of {$8300.00} also account thats not mine! Equifax refuse to remove this account from my credit file XXXX XXXX & XXXX for the balance of {$5400.00} is inaccurate on my file also! Its reporting twice which brought my score down to XXXX