23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you XXXX opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, XXXX, emotional distress, and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. 
I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 
Please send all correspondence related to this matter to the address listed above.
Product: Credit card or prepaid card

My issue is with Synchrony Bank and the manner in which they manipulate my credit limit which impacts my credit score. For a short period they were more than willing to provide and increase my credit limit, far beyond what I needed. 

In the past year Synchrony Bank has closed 1 account that I had a XXXX balance on and had not used in approximately 1 year, reduced my credit limit and then closed an account the month after I paid off my balance and significantly decreased the limits of 5 other cards. 

I made 4 purchases, 2 tires, a washing machine, a new PC and a laptop for my daughter who was starting college that increased my available credit to about 50 %. My payments are always on time, for more than the minimum and I just refinanced my house, all of which I thought demonstrated my credit worthiness. By decreasing my limits it raised the % of available credit to 75 % and dropped my score significantly. Essentially they ignore the responsible use of credit and on time payment history and penalize you for using their cards. The impact is far greater to me as a responsible person than seeing a XXXX XXXX XXXX XXXX limit drop from {$2500.00} to {$800.00}. It's seeing my score drop from XXXX to XXXX. 

I understand they can not look at each person individually but as the credit providers for so many specialized stores they should understand people are not buying tires and washers every week. 

Is there any contact or recourse available to discuss or appeal these decisions? Their customer service reps, while very courteous and polite, simply read from a script basically saying they can't make a change and if you want you can apply for higher limits, which in itself will drop your score. 

Thanks,
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance {$150.00}, XXXX XXXX XXXX Balance {$430.00}, XXXX XXXX XXXXXXXX Balance : {$720.00}, XXXX XXXX XXXX Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$240.00}, XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$4700.00}, XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$260.00}, XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$0.00}, XXXX XXXXXXXX XXXX Opened XXXX. XXXX, XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX  Opened XXXX. XXXX, XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX Balance {$180.00}, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX
Product: Credit card or prepaid card

On the XX/XX/XXXX, an American Express account manager contacted me around XXXX that night asking me to make a payment on my account! I had another week and a half before my payment was due ( the XX/XX/XXXX ). I had never been late or missed a payment before! In fact, I have been with American Express for 30 years! Meanwhile, he began telling me that based on their calculations I was not utilizing my credit enough and in order to continue to maintain my XXXX XXXX Card I need to make an early payment so that he can keep my account in good standing. At that point, I began explaining to him that American Express is not accepted by many merchants, which makes it difficult to use and that the annually fees are outrageous especially since I cant hardly utilize the card! Also, I told him that I dont give my banking informaton over the phone! After speaking with him a while he told me that he was reviewing my account and that in order to in good standing I needed to make a payment ahead of time so that it looks good on my account. At that point I was so confused, we continued to go back and forth! I told him that since I was not familiar with their policy I was gon na contact XXXX XXXX myself and make a payment! In good faith, i immediately contacted American Express and made two payments on both of my accounts! Afterwards, American Express decreased my credit limit! In my opinion, American Express is exhibiting unfair credit practices!
Product: Credit reporting, credit repair services, or other personal consumer reports

I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 
XXXX XXXX XXXX XXXX XXXX Date Opened>>> XX/XX/XXXX XXXX XXXX XXXX   XXXX Date Opened>> XX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

They took out an unauthorized payment and caused an overdraft of my bank account causing multiple overdraft payments.
Product: Mortgage

Background Information : My father, a XXXXXXXX XXXX, had a reverse mortgage through PHH Mortgage. He died XX/XX/XXXX from XXXX  XXXX. My Mom fought through endometrial XXXX and XXXX XXXX in XXXX while my father fought and lost his fight from XXXX  XXXX. In XX/XX/XXXX, my Moms endometrial XXXX returned. My sister and I became her power of attorney and spoke to PHH Mortgage in XX/XX/XXXX. We explained that our Mom was traveling back in forth from the home that she shared with my father in XXXX, SC ( property with reverse mortgage ) to where we both stayed in XXXX XXXX, SC. PHH Mortgage explained that we needed to send a letter from her doctor along with the power of attorney. We emailed all of this information along with our names and contact information on XX/XX/XXXX. My Mom was labeled terminal in XX/XX/XXXX and died XX/XX/XXXX. Both my sister and I are trustees of her estate. My sister was contacted on XX/XX/XXXX on XXXX by an attorney who notified us that she was contacting us on behalf of the buyer of the foreclosure sale of our parents property in XXXX, SC ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX on XX/XX/XXXX. 

Complaint : 1. There was no communication to us ( either my sister or I, both of us were listed on the power of attorney ) even after the power of attorney was sent.

2. PHH Mortgage used improper communication and incorrect foreclosure process according to SC code XXXX. 
In the instance of an execution to a sheriff in which personal property must be seized and sold in a judicial sale, the procedure and terms of the sale are dictated by another set of rules found at 15-39-610, et seq. Where the sheriff is responsible for the execution, he must specify " in an advertisement the property to be sold, the time and place of sale, the name of the owner of the property, and the party at whose suit the sale is to be made. '' ( XXXX ). The advertisement should be published at three public places in the county, one of which should be the courthouse door, and another in a newspaper, for a period of fifteen days prior to the day of sale ( XXXX, XXXX, and XXXX ). Additional particulars of sheriff 's judicial sales are set out in Chapter XXXX, XXXX XXXX, at XXXX, et seq. 
The sale was posted in the newspaper on XX/XX/XXXX with is not 15 days prior to the day of sale. 
Was the sale advertised for three ( 3 ) weeks immediately preceding the date of the sale? 
The sale ( XX/XX/XXXX ) was not advertised for XXXX weeks We feel that these unlawful intentional XXXX disparities have been occurring more in rural/minority controlled areas for a long time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacted multiple times by phone and XXXX mail from a company called XXXX XXXX i have no idea what the account is for. i have asked them via us mail and email to please verify the information and they have not. I have been denied credit and a place to live because they reported to all 3 credit bureaus that i owe them {$410.00} and I do not. They refuse to verify this information. I have no idea what this account is for so I asked them to please verify with the below : 1. a signed application by me agreeing to any contract with XXXX XXXX XXXXXXXX XXXX 2. a signed application by me agreeing to a credit card with XXXX  XXXX XXXX  3. a complete itemization of all charges, including purchases along with the interest rate 4. the complete account number with XXXX  XXXX XXXX 5. the age of the debt 6. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX proof of ownership
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXXXXXX 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
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. Act Name : XXXX XXXX XXXX, Act Name : XXXX XXXX XXXX, Act Name : XXXX XXXX Act Name : XXXX XXXX XXXX, Act Name : XXXX XXXX XXXX 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 7 ) years. 15 USC 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 reasonably believes that the information is inaccurate. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely XXXX
Product: Credit reporting or other personal consumer reports

This is to inform you that you have failed to maintain fair and accurate credit reporting which is a total disgrace. I know my rights as a consumer and the Fair Credit Reporting Act 602. Congressional findings and statement of purpose ( 4 ) clearly state that There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I have been sending out dispute letters for months now to get these deleted and removed from my credit report but you keep on insisting that you have verified the information without sending me any proof of what methods you have used to verify them. This is frustrating because your company is not following the guidelines regulated to you by the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft.
Product: Debt collection

XXXX XXXX I contacted Hunter Warfield Inc I Spoke with Ms XXXX who I learned was in charge of my case. I inquired about the debt because I saw it was on my credit and she immediately said that they were in the process of taking legal action against me for this debt and that she could not give the itemized list of charges because of this. we exchanged a few words and eventually she said it was her job to say what she said and she finally agreed to send the paperwork. We also discussed a payment plan and she stated that she would need {$180.00} a month for 6 months and then we can revisit to increase if possible. I stated that it may be ok but I needed to go over my finances to see what I could take out to afford it. I sent her my printers email address so it could print right out and I finally received a paper on XX/XX/2019. Which I noticed was a encrypted message that I had to click a link to open. 

On XX/XX/2019 I called back to Hunter and Warfield and spoke to Mr.XXXX  and I explained to him that the encrypted message came through a printer and I was unable to open it and I wanted to update my email address. He took the new email and stated that I needed to set up an arraignment or his client will take legal actions against me. I told him I understand but I needed to see what exactly I was being charged for. he kept going on and on about setting up a payment today until the last time I stated that I understand and I will set something up once I received that paperwork. He then says ok Mrs XXXX I will make sure I tell my client that you are refusing to pay and they can take further legal actions against you and I stopped him and said that I never said that and don't I have a right to know what i'm paying before I set anything up and he said yes but you need to set the payment up today so I hung up the phone. 

I then was able to reach the client on XXXX XXXX and got them to send me a copy of the itemized list the same day. 

On XXXX XXXX I called Hunter and Warfield back to set up payment arrangements for the debt owed and spoke to ms. XXXX. I stated that I could pay {$50.00} a month for 6 months and we can revisit to see if i can increase payments. XXXX stated that her client will accept nothing less than {$180.00} a month and I stated that wasn't something I could afford at the moment. we went back and forth and she said {$50.00} would not cover the daily interest the debt is accruing and she didn't want me to be upset because I would not see the payment decreasing. I said that it was fine and that was all I could pay at the moment and she still stated that her client would not take anything less than {$180.00} a month so I said that I couldn't afford it and her response was next time I call back the full amount would be due and all payment plans would be voided. And Then I told Ms. XXXX that that's fine and that the call was being monitored.
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, it's mandatory for us to eliminate any erroneous accounts from my credit report. Could you kindly review the documents? Certain accounts listed there are not correct, and it's causing me some discomfort.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have  XXXX  inquires on my credit report that I have not given consent to.    1. O n   XX/XX/XXXX    XXXX /  XXXX   XXXX   XXXX      XXXX   XXXX  l , Fl.  XXXX   2.  On   XX/XX/XXXX  a nd   XX/XX/XXXX  Cr editor contact details    XXXX     XXXX   XXXX  , Ca.  XXXX  3.  On   XX/XX/XXXX    XXXX   XXXX    XXXX , Pa   XXXX   4. On  XX/XX/XXXX    XXXX   XXXX    XXXX , Pa  XXXX  5. On  XX/XX/XXXX Certified credit report  XXXX , Ca   XXXX
Product: Debt collection

I am writing to formally dispute the collections account listed on my credit report under the account number referenced above. Under 15 U.S. Code 1681i, I have the right to dispute any information on my credit report that I believe to be inaccurate, incomplete, or unverifiable.

I demand that you conduct a full investigation of this account in compliance with Section 1681i ( a ), which requires that the information be verified, corrected, or deleted if it can not be substantiated. As per Section 1681s-2, it is also the responsibility of the furnisher of information to ensure the accuracy of the data they are providing to the credit bureaus.

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ), a collections account must be fully validated with supporting documentation from the original creditor. If such validation can not be provided, this account must be removed from my credit report immediately.

I expect this matter to be resolved within 30 days as required by law, and I look forward to your timely response.

Thank you for your attention to this urgent matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Equifax on numerous occasions telling them that I can't access my credit profile and am in the middle of trying to obtain a mortgage. They claim that there isn't an error on their end. My loan officer attempted to pull my credit with Equifax on Saturday XX/XX/19 and stated that he received an error as well. Equifax is preventing my mortgage lender for accessing my file, although they claim their isn't a freeze. My lender, nor myself can access my Equifax file and this has been an issue for almost a month. No one in the customer service department has been able to assist me. I have attempted to escalate this matter with Equifax, but to my demise, my credit profile is still not accessible.My file needs to be accessible to any creditor and myself as soon as possible. Unfortunately if my lender is unable to pull all three of my credit profiles, they can not move forward with my mortgage application. This is causing a great amount of inconvenience and grief on my end. Please have Equifax make my credit profile accessible immediately.
Product: Credit reporting or other personal consumer reports

My Barclay Old Navy credit card had two late payments. I called the company multiple times and was told I never had a late payment. They advised me to talk to a credit reporting agency. I filed a dispute with XXXX, and the 60-day late charge was removed, but the 30-day late payment remains. I filed another dispute, but the error persists. All the representatives at the credit card company have confirmed that I have no late payments. I would like this to be rectified on my credit report. I also would like to note I have never had a late payment fee on my account only interest.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX, a letter and tried to dispute immediate deletion of inaccurate information to Experian, XXXX, and XXXX credit agencies. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. The items still remain.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX 2017 a financial solutions company called " XXXX XXXX '' contacted me on the phone and offered me a refinance on my existing auto loan.

I asked them about what interest rate they can give me and they asked for my personal information. I particularly told them that if there will be a hard pull inquiry l would n't accept it at all and they insisted me that it was definitely be a soft inquiry and wo n't hurt my credit score so l said OK, just give me the rate.

And the next day when l checked my credit reports l saw that ; Five different hard inquiries on XXXX, 1- XXXX XXXX XXXX 2- XXXX XXXX XXXX 3- WELLS FARGO DEALER SERVICES 4- XXXX XXXX XXXX 5- XXXX Two different hard inquiries on XXXX ; 1- XXXX XXXX XXXX 2- XXXX XXXX  One hard inquiry on XXXX ; 1- XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After checking my credit report, I noticed that there acre accounts showing negatively on my report that are paid and should be in a positive standing. I have disputed this since XX/XX/XXXX and the company has not removed it as well as another account, that I have been disputing since XX/XX/XXXX, with the same company that has been paid but reporting closed and negatively affecting my credit report. I have asked for the late payments to be removed because the account was brought back current and remained that way for the duration on the account.
Product: Checking or savings account

My bank put in a dispute for the wrong charge. My bank closed the dispute. XXXX was taken from the merchants account and never refunded to me. Its been over 90 days and neither the merchant nor myself has the XXXX. Ive contacted my bank several times and emailed cash app several times. Cash app has only sent me generic messages and NO ONE has investigated this or provided any answers. Cash app still has the funds and has yet to release it back to me or the merchant. See dates below Initial dispute placed on the wrong transaction by XXXX  XXXX XXXX XX/XX/2020 Transaction has been disputed with the merchants bank - XX/XX/2020 Claim has been withdrawn by me - XX/XX/2020 Money taken out the merchant account by cash app XX/XX/2020 Contacted XXXX XXXX XXXX who indicated they never received the money and don't have. Emailed Cash App Support XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 My bank has indicated they've sent cash app several communications indicating to release the funds back to the merchant.