23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$3100.00} ; XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXXXXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$2100.00} ; XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$1800.00} XXXX XXXX XXXX XXXXXXXX Date XXXX XX/XX/XXXX Balance {$0.00} ; XXXX Original creditor XXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX XXXX {$1600.00} ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX ; XXXX XXXX AV XXXX XXXX, NY XXXX.
Product: Bank account or service

I was provided an offer to earn 50,000 bonus AAdvantage miles if I signed up for a citigold checking account and met certain requirements within 60 days. I confirmed with Citibank in writing that I qualified for this offer and I was ensured that I indeed was qualified and enrolled in this offer. I confirmed I was enrolled and qualified for this offer on two separate occasions in writing. When I eventually met the requirements for the promotional offer, I was informed that I had met all requirements and I had to wait 90 days for the AAdvantage miles to arrive and that I would incur a {$30.00} monthly maintenance charge on this account. After 120 days I had still not received these miles promised by consumer representative. In conclusion, Citibank provided a promotional offer that required waiting several months while incurring banking fees before AAdvantage miles could be awarded. Then, once the promotional requirements were met, the consumer representatives promised AAdvantage miles would be arriving in 90 days. After 90 days, I was told I wo n't get this miles even though I was told at several times I would.
Product: Credit reporting or other personal consumer reports

I recently reviewed the copy of my credit reports. I noticed some inaccurate late payments that violated the consumer and FCRA law for not reporting accurately. 

I attached on this complaint the XXXX copy of the dispute letters I sent to the involved Bureaus. I also sent them my personal documents.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and notice I had fraudulent charges on my report. Please remove the fraudulent charges as it is hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is inaccurate personal information on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS AND INQUIRIES ON MY CREDIT REPORT. BELOW ARE THE ACCOUNTS AND INQUIRIES " XXXX XXXX XXXX. Address : XXXX XXXX XXXX XXXX XXXX WA, XXXX. Date opened : XXXX. Balance : {$8900.00} Inquiries : XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX ( Bank ) Date Opened : XX/XX/XXXX XXXX XXXX ( Bank ) Date Opened : XX/XX/XXXX XXXX XXXX, XXXX Date Opened : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX ''
Product: Credit card

On XX/XX/scrub> 2025, Goldman Sachs Bank reduced my Apple Card credit limit from {$1000.00} to {$500.00} immediately after I paid off a {$900.00} balance in full. I have been a loyal customer for over three years, always maintaining a perfect payment history with no missed payments. Despite my responsible financial behavior, the company chose to lower my limit right after I demonstrated good financial management by paying off my balance.

This decision feels unfair and punitive, as it not only undermines my efforts to improve my financial standing but also negatively impacts my credit utilization ratio and credit score. When I contacted the company to request a reinstatement of my limit or a partial refund of my payment, they refused, claiming they can not reverse credit limit decisions.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report was pulled and I have over 10 inquires without my authorization or knowledge. I have contacted experian to dispute the validity of the inquires that were not made by me and to provide me with documentation that I authorized this credit inquiry. Experian responded back on XX/XX/18 stating by federal law my personal credit report must list all organizations that have requested my credit history when I wrote them to dispute I did not authorize my credit to be pulled and to show me a signed application.
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 need to investigate and delete from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

Dear CFPB, When I initially took this loan out it was not transparent that 6 installments of XXXX {$150.00} would be due. This interest rate would be equivalent to 780 % which is also considered loan sharking. The payment schedule was not made visible until after the loan was electronically signed. I have contacted the company via email and requested no further debits be taken from my bank account and that as I have now paid {$450.00} for a {$350.00} loan that it should be considered " settled. '' The company has ignored my request and upon research I have found information that this company is involved in fraudulent and illegal activities. Please find below a payment schedule the company for my account taken from it 's online center. My Account Loan Details Customer Name : XXXX XXXX Application No : XXXX Original Loan Amount : {$350.00} Principal Balance : {$200.00} Loan Docs : View Want to Make a Payment?
View Options Status : Current Loan Effective Date : XX/XX/XXXX Loan Maturity Date : XX/XX/XXXX APR : 602.043 Interest Balance : N/A Original Scheduled Installments : 6 Current Installment Cycle : 4 Current Due Date : XX/XX/XXXX Current Due Amount : {$140.00} Interest Paid To Date : {$300.00} Principal Paid To Date : {$140.00} Last Payment Amount : {$140.00} Last Payment Date : XX/XX/XXXX Loan Payment Schedule Pmt Order Due Date Beginning Balance Principal Balance Payment Amount Interest Ending Amount Payment Status Delinquency Status 01 XX/XX/XXXX {$350.00} {$91.00} {$140.00} {$57.00} {$250.00} Regular Current 02 XX/XX/XXXX {$250.00} {$17.00} {$140.00} {$130.00} {$240.00} Regular Current 03 XX/XX/XXXX {$240.00} {$34.00} {$140.00} {$110.00} {$200.00} Regular Current 04 XX/XX/XXXX {$200.00} {$40.00} {$140.00} {$100.00} {$160.00} None 05 XX/XX/XXXX {$160.00} {$64.00} {$140.00} {$84.00} {$100.00} None 06 XX/XX/XXXX {$100.00} {$100.00} {$140.00} {$46.00} N/A None
Product: Credit card

Starting in 2021 up til now, to work on my credit, credit karma would claim that I have outstanding odds to recieve a credit card approval, then I go and apply for it just to be denied and my credit drop and for them to send me a letter of denial and email pertaining it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, my credit score decreased by 89 points after I had an inquiry from SYNCB, which after a little research, I found out is short for Synchrony Bank from XXXX Florida. They do not answer your calls and do not get back to you whatsoever. 

It even says on their website that if you think theyve mistakenly reported your credit information to write them at their address, but after a little digging, it seems nobody who has this issue gets a response from them
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 XXXX leased vehicle was totaled in a auto accident. My auto insurance company paid off their portion of the balance which left XXXX to be paid by GAP which is part of XXXX XXXX who the lease was financed. I was told that all would be handled from the point of reporting to the insurance company and there was nothing further I would need to do. They would contact me once GAP was paid. In XX/XX/2018 I received a credit alert that I had a " missed/Delinquent '' payment on my credit bureau reports. Upon looking into the reports it showed that XXXX XXXX was reporting me 60+ days past due on the lease. I immediately contacted XXXX XXXX and was assured that they would get this corrected as they had many customers affected by a recent change of finance companies with their GAP department. I was told that an accurate report would be sent to the credit bureaus and it would take up to 45 days for the update. Long story short, I am still fighting with them to correct my Credit Bureau report. My credit score as a result has dropped from a XXXX to XXXX and I can not obtain any further credit. In fact, I have many current creditors closing my accounts, reducing my credit limits and increasing my interest rates as a result. This has been a unresolved issue since XX/XX/2018 and it is now the end of XXXX. XXXX XXXX should be held responsible for my suffering and it is unjust that I, a good customer who has worked very hard to maintain a high credit rating to now be going through such turmoil with my credit. XXXX does not seem to be in any rush to follow through on their promises or obligations to their customers.
Product: Vehicle loan or lease

I bought my XXXX XXXXXXXX XXXX from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX on XX/XX/XXXX. The car was sold for {$43.00} XXXX. But when you add the finance charges, the Total sale Price is {$58000.00}. Thus the difference between the actual cost of car and the Total Amount that I am paying is a whooping sum of {$15000.00}. The financier is Hyundai Finance. It is believed that having made a profit of {$15000.00} from a client for whom you had sold a used XXXX XXXX at an exorbitant Amount of {$43000.00}, would make this XXXX merchants sheath their knives. But it didn't, rather they continued their extortion scheme by introducing accessing fees each time I make a payment. The monthly payment is {$790.00}. Each time I make this payment I am forced to make an accessing fee of {$3.00} if I use the automated phone line or more if a caller from their call center collects the money over the phone. Last month, I could not make a one time payment due to inflation and bad economics in the state of the nation ; so I called Hyundai Finance and informed them that I would split my payments in two installments. First {$400.00} made before XXXX timeline and the balance made shortly after. The automated system collected the accessing fees of {$3.00} the first half payment of {$400.00} and equally collected another {$3.00} for the balance of {$390.00} paid on another date. I called Hyundai Finance to complain that this a rip off and is tantamount to stealing and a ploy to keep me indebted to them forever. I informed them that I had bought a car already before I stumbled into them. The car was a XXXX XXXX. And on quote " I AM not being charged any accessing or additional fees to make my monthly payments till date through the multiple avenues they provided for payment " And also the Finance charges from the Financier of the XXXXXXXX XXXX were far much less. I demanded for full refund of all the accessing fees I have paid till date, on the XXXX XXXX XXXX model and total withdrawal of the accessing fees. They declined. They are also asking for late fees notwithstanding that I .made a committal fee of {$400.00} within the required period and informed them of the date for the next payment. Recently they said they have opened a website for the option to pay without fees. I am not able to use the website option moreover internet access is required to use it. Also the car Amount of {$43000.00} was hiked to {$43000.00} on their paper correspondence with no Justification or explanation whatsoever. Their interest is not debt recovery. It's all about keeping me indebted forever. This XXXX merchants should be stopped Forthwith from doing business in the United States of America
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I tried to obtain in-store credit line ( from XXXX XXXX XXXX ) to purchase new couches at XXXX XXXX XXXX, XXXX, WA. I was denied credit. The reason in the letter they sent me, later, was because " poor credit performance ''. It also stated the key factors that adversely affected my credit score ( which they labeled as XXXX ) was " Insufficient credit history, a combination of address withe other identity elements is generally associated with risk consumer associated withe address changes, hih number of recent applications using address. '' This information about my credit was obtained from DataX ltd ( an equifax company ), XXXX XXXX NV. I reached out to DataX to get the report they sent to XXXX. After completing the appropriate paperwork and submitting it with the proper ID, what i got shows no credit history at all. I spoke with a gentleman ( who was extremely nice and helpful at DataX ) and he mentioned that my lack of information might be due to the fact that I don't use short term credit. 

I have had credit in some form since I was 19 or 20 years old. After seeing this lack of information from DataX, Ltd, I obtained 2 of my 3 free credit reports for the year from XXXX and Equifax. I frequently monitor my credit on XXXX XXXX as well. My credit reports show all of my accounts in good standing. 

I'm beyond frustrated with how I was treated the 2 times I tried to call XXXX with their customer service agents being rude and condescending. I understand that because i was applying for credit, it was a hard inquiry on my credit report. However, I am responsible with my spending and line of credit I have open, I would've not applied for credit knowing I would be denied ( this has never happened to me before ). I applied knowing companies frequently want to give me loans since I am a good steward of my money and pay my bills on time and have a good credit history. Because of this hard inquiry, my credit score dropped over 25 points.
Product: Mortgage

I requested a loan modification which included waiving penalty interest and fees over a 15 month period amounting to more than {$800000.00}. Shellpoint Mortgage servicing sent me a modification agreement which agreed to reduce the principal amount as negotiated in the summary of the modification. However, in the Modification Agreement itself only the amount that the interest was calculated on was reduced. That means after I resume more affordable payments, at some point in the future I would refinance or otherwise pay off the existing loan and they would demand the full amount including penalty interest. In other words, the summary of modification promised one result and the actual modification provided a much worse outcome for me. The way it was done could be considered deceptive because I had to read it twice to understand and I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I notified ShellPoint that they needed to provide another modification and have not heard a response for the last few weeks although I do get random calls from people asking me what I plan to do about my scheduled payoff date. In other words, their internal systems seem to have no record that I'm in the modification process. Every person who calls seems to be clueless and they all promise to look into it and get back to me and no one ever does.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous letter dated XX/XX/2024, regarding the accuracy and completeness of certain information reported about me. As per the Fair Credit Reporting Act ( FCRA ) 611, I requested an investigation into several accounts listed on my credit report. However, I have yet to receive a satisfactory resolution or response to my dispute.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I received a call from Chase Bank in regards to my Visa Debit carded. The call came from the Chase Customer Service Department and the caller stated that there appeared to be fraudulent activity on my card. The caller asked me if I had recently authorized purchases to be made in Texas because a purchase at a store was being denied. After I replied no, the caller then stated he also saw a payment of {$9000.00} scheduled for a wire transfer. At this point I asked the caller to identify himself, and to provide me with information that I could verify as being legitimate. The caller identified himself as XXXX XXXX, and then provided me with information from my Debit Card including the CVC code. Additionally, he told me to look at the back of my card to see that the Chase Customer Service number was indeed the number from which he was calling. 
He stated that in order to stop the scheduled payment, I needed to process what was called a reverse transaction and the receiving bank would resend the payment. He provided an account number for the wire at XXXX XXXX  ( XXXX ). Long story short, he walked me through this process and provided the following information for the receiving bank : XXXXXXXX XXXX ( I believe it was in XXXX ) and the name of the bank representative, XXXX XXXX. At this point I told the caller to stay on the line while I drove to Chase Bank to verify. He did and when I arrived at the bank, the customer service representative from Chase asked the caller for his ID number. She also verified that it was indeed Chase 's phone number that he was calling from. When she asked him for his Code number, he hung up and by that time the money was wired. The representative immediately sent me to a Manager who filed a recall wire and the claim number for that is XXXX XXXX. After following up and calling several times, I was sent a message through my " secured message Chase account '' that basically stated the receiving bank stated there was no money in that account. I then tried to contact someone from Chase 's " fraud '' department, but the only communication was via relayed messages. I attempted to make contact today XX/XX/2023 and on three different occasions, the Chase employee disconnected the call after I asked if they had filed an Elderly Senior Financial Fraud/ Exploitation report on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I got approved for a {$500.00} Credit Card from Capital One. I have been using this card for a while until I noticed when it's time to make a payment I'm not able to. Every time I log on to the Capital one App it says " We can't access your account information right now, but we're working on it. '' I've even tried calling them to make a payment and after talking from XXXX person to another to get everything resolved they're not able to make a payment as well because my social security number is incorrect. It's under a different social security number. The company wanted me to mail them a copy of my social security number and my Drivers license to update my information on the account which I have done that but hasn't yet been resolved. As weeks and days goes by they are constantly sending me emails and letters stating that I have payments that are due by XX/XX/XXXX and I owe {$380.00} and I'm still not able to make any payments. My credit score has dropped and I've been having this issue since last year and it hasn't yet been resolved.
Product: Credit reporting or other personal consumer reports

I OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED INACCURATE INFORMATION BEING FURNISHED TO MY CREDIT REPORT AS LATE PAYMENTS.

ACCORDING TO 15 USC 1681A ( 2 ) I, TRANSACTIONS AND EXPERIENCES ARE TO BE EXCLUDED FROM A CONSUMER REPORT, AND FURNISHING A LATE PAYMENTS IS CONSIDERED A TRANSACTION AND EXPERIENCE. FURNISHING THIS IS IN VIOLATION OF MY CONSUMER RIGHTS.

I HAVE NOT GIVEN ANY PERMISSION FOR THIS INFORMATION TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681 ACCORDING TO 15 USC 1681I ( 7 ), EACH BUREAU MUST PROVIDE THE FOLLOWING PROTOCOL OF HOW THEY CONCLUDED THIS INFORMATION. WHICH HAS NOT HAPPENED, SO NOTHING HAS BEEN VERIFIED OR VALIDATED.

LAST YOUR COMPANY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING THIS FALSE INFORMATION IS IN VIOLATION OF 15 USC 1681E ( B )
Product: Money transfer, virtual currency, or money service

Since XX/XX/2023 PayPal Inc has subjected me and my family to emotional duress and undue hardship/XXXX  anguish by denying me access to my own funds. On the XXXX of XX/XX/2023 I was involved in a serious XXXX XXXX XXXX that could have easily cost me my life. I was insured by XXXX XXXX  XXXX  and was issued a digital payment of {$10000.00} ( personal injury protection ). I was presented with XXXX options to receive the funds. Option 1 : Bank transfer- would take XXXX days to complete or option XXXX : have the funds deposited directly to a PayPal account for instant access to the funds. I chose option XXXX and the {$10000.00} was deposited to my PayPal account. 

I logged into my PayPal account confirmed the {$10000.00} was deposited and upon trying to withdraw my funds I was unable to do so. Since XX/XX/XXXX PayPal has repeatedly and unlawfully restricted me from accessing my own funds. My account was limited over XXXX times and I have sent in every document imaginable to prove my identity from my drivers license to bank statements, my social security card, proof of address etc. I was repeatedly informed that my transactions were being blocked by the internal security system, a security algorithm that PayPal uses to monitor transactions that is capable of making real-time decisions concerning peoples money without the ability to be over-ridden. 

I have spoken to over XXXX PayPal supervisors and have spoken to every department you can think of from the executive office to the escalations office to the global complaints and advocacy department, I have even reached out to my local media with concerns to this matter. I have spent literally sunrise to sunset on the phone with customer support, on 2 occasions nearly having a nervous breakdown. The record for the longest time spent on the phone with one of there agents was a whopping six hours and 42 minutes. There customer service front line agents are completely incompetent and offer no solution whatsoever outside the the standard " Please allow 24-72 hours before attempting the transaction again '' I have an endless amount of documentation to go along with this complaint and I am prepared to go to whatever length necessary to ensure that PayPal Is held accountable for there actions.
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 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