23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/year> PayPal Credit decreased my credit limit from {$2500.00} to {$420.00}. The way they notified me was by an email sent to me on XXXX  that ended up in my email junk folder, so I never saw it. The email indicated it was because of a review of the account, and the decision was based in part on information about my PayPal account, my Venmo account if one has been established, and a scoring system that was used to predict my credit worthiness. The reasons listed were : Average Difference In Payment To Minimum Amount Due On Paypal/Venmo Credit Account In Last 2 Months ; Average Difference In Payment To Minimum Payment Due On Paypal/Venmo Credit Account In Last 3 Months ; Number Of Unpaid Collection Items ; Changes In Balances On Bank Card Accounts In Last 24 Months. 
I dont have any collection accounts, and if I did it was there when they originally extended me credit. I dont have a Venmo credit account. At the time of their email, the balance on the account was {$110.00}. The payments on the account never significantly changed because the balance was low. This has significantly impacted my credit score, lowering it by almost 50 points, and will impact my ability to obtain credit elsewhere for no other reason than paying and managing my PayPal Credit account as agreed. I want my credit limit reestablished, a statement added to my credit file by PayPal Credit that the limit decrease was in error, and a refund of any bank fees I have or may be charged as a result of this action. I use the PayPal app regularly and there was never an indication there in the PayPal Credit link that a credit decrease was imminent. Its outrageous that a corporation can arbitrarily destroy my credit score because I paid my account as agreed.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$8100.00} XXXX XXXX Balance : {$8000.00}
Product: Credit reporting or other personal consumer reports

I did not authorize any of these hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Request for Re-Investigation of Credit Report Discrepancies I am writing to formally dispute the accuracy of certain items that REMAIN on my credit report despite an PRIOR investigation. I request that these items be Re-investigated immediately, as their inaccuracies are significantly detrimental to my credit score. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In compliance with the Fair Credit Reporting Act ( FCRA ), Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the disputed information. This will allow me to follow up directly. 

Additionally, please send me an updated copy of my credit report upon completion of your investigation. 

Thank you for your prompt attention to this matter. 

Also Ive attached the necessary documents to prove my identity and avoid any delays in this significant process.
Product: Mortgage

We have been trying to get a loan modification for the last 8 years. When Ditech asks for the information to process this ( bank statements, tax returns, paystubs, etc. ), and we submit them and confirm that they did indeed receive everything they need to complete the modification request, they send us a letter that we have not completed the requested paperwork. This exact same scenario has been going on for 8 years. The mortgage company for our home changed hands at least XXXX different times in 8 years. XXXX, XXXX, XXXX XXXX XXXX, Green Tree and the latest call to Ditech was made on XXXX/XXXX/15. The representative assured us the loan modification paperwork would arrive in 5-7 days. We had a XXXX way call with my husband and his real estate agent to confirm this in order to get more information on our options regarding selling the home. The real estate agent heard that we would receive it as well. We called 1 week later and the reprsentative with Ditech said that he never said that and denied even speaking with us. The representative thought our real estate agent was a lawyer. After several times explaining that he was NOT a lawyer but a real estate agent wanting to get a better understanding of our selling options, specifically short sale vs. foreclosure, he refused to discuss our case anymore. I called on XXXX/XXXX/15 @ XXXX to be exact. I believe all of the calls are recorded for " quality assurance ''. I called to follow up with this after again not receiving the loan modification paperwork, and the caller said she cant talk to me or she would lose her job and hung up on me. I called again to get more information because just a few weeks earlier they wanted to discuss this with us, and the caller, a different woman this time, hung up on me again. We have been very involved and wanting a resolution to our problem. We didnt walk away from our home, we continued to keep up with our home improvements, all we wanted was an opportunity to get a loan modification. There was NEVER any paperwork sent to us after confirmation after confirmation that they did receive all the loan modification paperwork they needed. I have written logs of everyone I spoke with, dates included, just to get a loan modification review. We were promised we would receive the paperwork, and over 8 years and have never received anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion did not properly investigate my credit disputes. I sent them all the required documentation, see documents that I sent to them attached. The letter they sent out to me requested all the same information that I had emailed them with my request. The packet that I uploaded here is exactly what I sent to them. They are requesting duplicate information.
Product: Credit reporting or other personal consumer reports

XXXXLexisNexis listed XXXX events on consumer report that are false. 
XXXX. On XX/XX/XXXX A comprehensive coverage claim for < or = {$1000.00} with a {$2000.00} deductible which was never filed. 
XXXX. On XXXX XXXX, XXXX A not at fault accident. 
I never had an accident in XXXX.
Product: Credit reporting or other personal consumer reports

I Reviewed My Credit Report On XX/XX/2024 And Noticed Several Inaccuracies For The Below Referenced Account ( Details Listed Below ). According To The FCRA, Whenever A Consumer Reporting Agency Prepares A Consumer Report It Shall Follow Reasonable Procedures To Assure Maximum Possibility Of Accuracy With The Information Concerning The Individual To Whom The Report Relates. 

XXXX XXXX XXXXXXXX The Open Date Is Not Reporting Accurately, The Date Of Last Activity Is Not Reported Accurately, The Closed Date Is Not Reported Accurately As All Dates Are Inconsistent For All 3 Bureaus.
Product: Mortgage

Wilmington savings is asking me for an astronomical amount of money on a second mortgage that I haven't heard from in 20 years and they are foreclosing on my home I was not prepared for this it is deceitful and deceptive and unfair the original mortgage was {$49000.00} in XXXX as of today XXXX they are asking me for {$160000.00} I am devastated I'm unsure what to do I am a single person that doesn't have a lot of money and I am also XXXX XXXX XXXX they are not even offering me a modification and I can't afford a lawyer
Product: Credit card

On XXXX/XXXX/2016 a check was sent to Macy 's to payoff my account. The check was cashed XXXX/XXXX/2016 but never applied. XX/XX/XXXX I telephoned customer service and was instructed to send a copy of the front and back of the check, which was done. On XXXX/XXXX/2016 the money had still not been credited so I sent and email. I was informed the payment had been located and would reflect within 5 days. After 7 days the payment still had not reflected ( in the meantime, I have continued to make additional payments to avoid late charges. ) I was sent an email XXXX/XXXX/2016 that I would have to wait until the next billing cycle which is another month. I have continued to be charged interest and monthly payments throughout this process and am also due a balance since there is now an overpayment of about {$120.00} once they apply the payment.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, It appears that this item on my credit report has turned into a charge off and I have reviewed statements you all sent to me by mail and I have verified numerous fraudulent transactions totaling {$710.00} from a stolen XXXX on this account without my permission. I have provided the FTC identify theft report as instructed by the police department. The reporting of this account balance is inaccurate and affecting my ability to use my credit. Additionally, I noticed you never sent me a 1099 would you be so kind to send me a 1099 or verify if the debt is still on you all record books. Due to the unauthorized charges on this account I have gone through a serious financial hardship. I am trying to resolve these matters directly with you all. This would help me with my credit in the future. 

Thank You So Much XXXX XXXX XXXX
Product: Mortgage

I recently downloaded my credit report through XXXX. I see in the loan section a mortgage installment has been put in place. I fid some digging and found a company under the name blink mortgage based in XXXX Texas. I proceeded to call blink mortgage explaining there is a error, someone got a hold of my information and its needs to disputed. I was told by someone they would email me but they didnt want my side of the story as being a victim to ID theft and a mortgage installment being on my credit report.
Product: Debt collection

Midland Credit Management is using my last name and my home address to collect money from me.
Product: Mortgage

We were awarded a loan modification XX/XX/XXXX for {$4000.00}. We had to file again in XX/XX/XXXX. A process that took 16 mo, only to be told we didn't qualify. Placed us in foreclosure. I had to take other measures to save our home. Only to find out that the company was awarded {$5800.00} on our behalf. Why were we in foreclosure if the money was awarded to them?
Product: Money transfer, virtual currency, or money service

On XXXX XXXX XXXX, I sold {$13000.00} worth of bitcoin on the Coinbase app on my phone and had the funds transferred to my XXXX XXXX on coinbase as {$13000.00} ( due to a XXXX dollar fee ). This wallet is NOT my bank account and the funds should have been in my account instantly as soon as the bitcoin was sold. 

The sell shows as completed on XXXX/XXXX/XXXX at XXXX. 

The XXXX XXXX which the funds should been in INSTANTLY afterwards still shows as pending. 

I have sent multiple service requests and multiple emails with nothing more than just 1 response with no answer as to why my money is still pending. They have no longer responded after the first reply on XXXX XXXX, which, as I said, provided no answer. 

I have attached screenshots of my outgoing and pending transfer. 

My case number is # XXXX I also have other transfers/buys/sells which have gone through, but not this one.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I applied for a free report from NCTUE, spoke to a representive, but they could not find any report. I received a letter indicating that negative information had been added to my report but NCTUE was not able to provide the report. 

Regards, XXXX
Product: Credit reporting or other personal consumer reports

I have constantly been in dispute since XXXX the XXXXXXXX XXXX  about this Account XXXX XXXX XXXX, this information has been closed in my Transunion credit file but now its been re-inserted as I recently received an updated report and I am highly disappointed and frustrated of the constant delays of getting this handled, The company Transunion has failed to notify me of the re-insertion this violates my right under FCRA 611 in violation of the law. I also have proof of the letters Ive sent and the other bureau have removed the account please fall into compliance. All credit bureau must be in compliance. 

Also I am showing proof of where the account was closed on Transunion but then got re-inserted! 

I have spoken to transunion and advised them I was in the date breach of XXXX with has affected my personal life. THE ACCOUNT IS UNVERIFIABLE.
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 has violated my rights. 

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

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

This company has reported the amount on my credit report since XXXX. 
The company bought this debt from an old property manager I rented from XXXX XXXX XXXX. I moved out of this apartment XX/XX/XXXX, and my new lease with my residency started XX/XX/XXXX. After my move out date, the rental property charged me for several things amounting to {$2.00}, XXXX. 
I have reached out to this creditor recently to settle this debt in return to have this removed. I made a phone call to the company on XX/XX/XXXXXXXX XXXX XXXXXXXX ( XXXX ). The agent I spoke with was extremely rude and became agitated when I was not willing to give my personal information regarding my credit card over the phone. I informed her I wanted to see the amount updated, and I will then pay online or mail in a money order or cashiers check. The agent then asked again " You don't have a card? Nothing? Not even a credit card '' -- To rudely pressure me into giving my information by phone without seeing the amount updated. I asked for an email to communicate because I would rather have all communications in writing from here on out. 
Through email, on XX/XX/XXXX, I offered 68 % ( {$2.00}, XXXX ) of the total in return to completely remove this account. My offer was denied and they requested I pay {$2.00}, XXXX in the form of XXXX payments in return for a XXXX  balance letter. They also falsely stated in the email " XXXX XXXX does not purchase our debts and can only offer what the creditor allows to resolve your obligation for a lesser amount ''. Which is incorrect, XXXX XXXX XXXX is a debt collection agency that purchased this debt from another agency to try to collect. 
Along with XXXX XXXX 's unethical practices, I researched their company and found their low star rating and multiple complaints that match the struggles I am having this company. 
After researching this company, I formally requested debt validation. 
There are so many charges on the itemized list sent to me. 
Along with this debt validation letter, there was no authorization signed by the original creditor to collect this debt. 
I recently sent in a final offer ( on XX/XX/XXXX ) with several pieces of evidence to prove this debt is not owed by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out to TransUnion, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from TransUnion and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX XX/XX/2021 XXXX XXXX  XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX XX/XX/2021 XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... 
I have already disputed these items with the bureaus, but they did not remove them, nor prove validation. 
Under Sec. 602 " I have a right to privacy '' XXXX  Account # XXXXXXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX Account # XXXX XXXX Account # XXXX
Product: Debt collection

A representative who identified himself as XXXX ext. XXXX called my cell at XXXX Central on XX/XX/20 from a phone number of XXXX. The representative became very pushy when I told him I would settle the account on XX/XX/XXXX for a settlement amount of roughly {$1100.00} & a deletion letter. After becoming very rude I told him the hard sell approach doesn't work with me & I would make it a point to pay another representative to ensure he doesn't get the commission. He proceeded to tell me he'd be moving the account into his name & whenever I call in I'd have to speak with him. He then terminated the call. I called a second time at XXXX and he answered & hung up on me again. I called a 3rd time at XXXX spoke to a representative who identified herself as XXXX . I requested she note my account that the last representative was very rude & that I'd like to make a formal complaint. I was informed XXXX was a manager there and that she didn't want to " get in trouble ''. I requested to be transferred to the Human Resources department & she agreed. I was then transferred to XXXX again and from there proceeded to tell me unless I'm ready to make a payment there was " nothing to talk about ''. He proceeded to hang up on me for the 3rd time. I called a fourth time I spoke with a male representative who I asked to transfer me to the customer service department. The representative put me on hold, and XXXX again got on the call. He told me human resources doesn't speak with anyone externally & that he handles all the complaints for the entire company. He told me there was no way to file a formal complaint but to tell him what happened. To say the least this was very unprofessional. I feel the way he screamed my social security number & date of birth was very concerning. I feel that I was denied the opportunity to file a proper complaint. I feel I was verbally abused on this phone call while I was at work. I'm concerned that other employees refused to transfer me to any other employee. I understand collections is tough but the fact that a manager is allowed to conduct himself this way on a call is alarming. Obviously there is a lack of training, I only gave him 2 objections before his melt down. His rebuttal to requesting a call back on XX/XX/XXXX was " Why? ". I suggest he role play more & also someone play the call back for him that generally helps. I hope this reaches someone internally who will hold him accountable. These are challenging times in our country, you guys are calling people with real problems. We don't need to be berated by a telephone tough guy on top of everything else. Hope you guys handle this internally because it's the right thing. But if not do it because this guy is not very good at his job, he should be in a training class not managing people.
Product: Debt collection

In accordance with the FCRA I demand that XXXX XXXX provide proof of the total debt owed and proof that this item belongs to me. I have requested this information from XXXX XXXX for years and they have failed to provide documented proof that this item belongs to me. In accordance with federal law if XXXX XXXX can not provide proof that this debt is owed by me it must be removed. If the XXXX XXXX does not provide proof I will file legal action against them and any agencies still reporting this debt inaccurately.
Product: Credit card

The account is closed. Interest charges too high for closed account. Can interest rate at least be decreased on the charges? Trying to pay this off. Why will Chase not work with customer who is trying to pay off card?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 XXXX