23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Credit limit was decreased by 1600 %. The explanation I received was because I had too many credit inquiries. I have only had XXXX this year, XXXX for buying a XXXX and XXXX from my bank for requesting a credit limit increase. Another reason was for revolving balances being too high. They were still only at 30 %, which is what they were when I was approved for XXXX originally. I transferred about XXXX of credit card debt before XXXX of last year and subsequently had it paid off by XXXX. At the time of the limit decrease decision, I had a XXXX balance with no late payments. My employment requires me to use this card as I am frequently traveling throughout my state and meeting with customers, prospective customers and suppliers. I also use it for supplies, materials, tools, car maintenance, repairs and fuel. Without this higher limit card, I am suffering undue hardship and I am in danger of losing my employment and the ability to pay for my healthcare expenses. I strongly believe this decrease was because of an algorithm and/or policy based on customers paying off a large 0 % introductory interest transfer balance without incurring enough finance interest fees and that I had not used it since XXXX if XXXX. I was denied any opportunity to speak to any XXXX about clarification on this and insulted with empty platitudes.
Product: Debt collection

With reference to CFPB Case number : XXXX, BERLIN-WHEELER continue to report this account that I am disputing to the credit bureaus. The ledger that BERLIN-WHEELER attached on the above case that I am referencing to prove that the balance still unpaid actually showed that the debt was paid and such showing a zero balance.
Product: Credit card

American Express, I discovered that a transaction on my American Express card was a result of fraud. In XXXX of XXXX I immediately initiated a dispute, and American Express started an investigation. They provided me with a temporary credit of {$7700.00}, which the merchant, XXXX XXXX XXXX, XXXX, refused to refund. After multiple attempts and complaints, I discovered that the merchant had been sued for deceptive business practices involving elderly customers. It was then that I realized I was a victim of fraud. Within the agreement I signed with the merchant was a 100 % money-back guarantee if XXXX XXXX failed to provide services which they did not. 

If we can not reach an amicable resolution within the allotted time frame, I will proceed with the filing process. My claim will be resolved through arbitration under the applicable rules of the XXXX XXXX XXXX. The best and most convenient way to contact me about this matter is through email. Please send all correspondence to the email below. I enjoy being an American Express customer and thank you for your time and attention to this matter.
Product: Credit reporting or other personal consumer reports

Thank you for your assistance in addressing some of the fraudulent information on my credit file. However, there remain unresolved inaccuracies that must be removed. In accordance with FCRA Section XXXX, you are legally obligated to remove any inaccurate records. I have previously submitted the relevant documentation, which I am enclosing once again for your reference. Please be advised that my attorney is fully apprised of the situation and prepared to hold you accountable for any further non-compliance. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXX XXXX XXXX XXXX credit line on X/XX/17. They put XXXX hard inquiries on my XXXX credit report. I would like XXXX of those credit inquiries removed.
Product: Debt collection

I had opened an account on XX/XX/2023 and the last payment I made to the company was on XX/XX/2023. Due to hardship, I wasn't able to make my payments anymore so the company charged off my account. I started receiving letters and calls to with offers in attempts to settle my debt and close the account. I came to terms with one of the letters and saved up the amount asked for ( {$1900.00} ) and made the payment over the phone to the collector. The collector I spoke to assured me that the account was now closed and that it would take up to 30 days to be removed from my credit report. It has been about two months now and it is still effecting my credit. After speaking to the collector, he assured me that everything will clear up and things will be fine but the account is still listed as opened and that I still owe this company but when I called them they stated that the account was already closed and paid.
Product: Checking or savings account

In XX/XX/XXXX, I accessed my Sofi account through their desktop application. I applied for financial assistance and was granted an exception to only pay the interest due for 3 months. I went to through their process and signed the agreement document online. For the next 3 months, the amount due was going to be {$77.00}. I payed the amount in XX/XX/XXXX and XX/XX/XXXX for the amount due the desktop application was telling me to pay, which was {$77.00}. In XXXX, I opted to pay the regular payment amount of {$420.00} despite the application telling me I only owed {$77.00}. A day later, I started receiving notices that my credit score dropped. I then realized that Sofi reported me 30+ days late to the credit bureaus. 

I contacted Sofi on XX/XX/XXXX and gentleman by the name of XXXX tried to assist me. He mentioned that I was currently 31 days past due and asked if I wanted to make a payment to satisfy the amount due. That didn't make sense, because I always pay the amount due the system is telling me to pay on the scheduled due date. After trying to explain what happened, he mentioned that I was supposed to pay the regular payment in XX/XX/XXXX and the exception would have started in XX/XX/XXXX. I mentioned that I always pay what the application tells me to pay. The transaction history shows that I payed {$77.00} on XX/XX/XXXX. That was the amount due after i signed the agreement. I went back in XX/XX/XXXX and it showed that I was only due for {$77.00}. There was nothing posting as past due. I went ahead and payed my regular payment in XX/XX/XXXX. 

If I was late, I was never alerted via phone, email, mail or text. The desktop application was also not showing I was late.
Product: Mortgage

On XX/XX/XXXX I received a text message from XXXX XXXX ( # XXXX ) asking to set up paperless stmts and to confirm No or Yes ( see below ). I immediately responded No to not set this up. I received an auto reply from the company stating I was being setup with paperless stmts and then a follow-up email again on XX/XX/XXXX that I was signed up for paperless stmts. 

FREEDOM MORTGAGE : Go paperless, and well donate {$5.00} on your behalf to our Rucksacks to Backpacks fundraising campaign for the USO ( up to {$15000.00} until XX/XX/XXXX ), which provides essential school supplies to children of service members. To begin receiving paperless delivery for your loan ending in XXXX, please view our electronic disclosures here : https : //service.freedommortgage.com/u/7tftFR, then respond Yes to accept and begin full paperless delivery or No to decline. Text Stop to opt out of this campaign. 

XXXX ) Yes XXXX ) No
Product: Payday loan, title loan, or personal loan

Sun Loan company in XXXX MO has violated my right to privacy of debt on multiple occasions. The first time an employee named XXXX XXXX informed my employees & other people who are known by me that I had a loan through them. I notified the company immediately & they stated what she did was a violation of my rights to confidentiality mid XXXX. Now the current employees have notified my direct subordinates again XX/XX/XXXX, contacting references asking them about my bankruptcy information most recently XX/XX/XXXX @ XXXX, asking what do we have going on ( even though I am the only person on the loan ) and stating that they can help me with the debt. My references were not authorized by their contract to know information about my loan/debt. I have had 5 references contact me and quote the same statements made by employees at XXXX XXXX. This is a violation of my right to confidentiality.
Product: Payday loan, title loan, or personal loan

I am writing to express my dissatisfaction with XXXX XXXX XXXX XXXX handling of my car loan. I had a car loan with your institution, and unfortunately, the car was sold, leaving a remaining balance of {$2200.00} and a repossession on my credit. 

I had an extra gap insurance policy with XXXX XXXX XXXX XXXX to cover any extra expenses in case of car damages or repossessions up to no more than 150 % loan remaining balance. However, despite having this insurance policy, I was still left with a significant balance and repossession on my credit. 

Furthermore, I have discovered that changes were made to my account without my authorization. I have reason to believe that these changes were made through a document that was illegally obtained while I was incarcerated. This document does not have my signature or annulment with XXXX XXXX credit union, yet the changes were still allowed to go through. 

I have disputed this matter in a couple different ways. The situation has caused significant damage to my business funding, my living situation, my future moving situation and the funding of my daily living expenses and use of my credit line. It has been a major setback for me, and I am extremely disappointed with the way that XXXX XXXX XXXX XXXX has handled this matter. 

I have attached the relevant documents to this letter to support my claim. I believe that XXXX XXXX XXXX XXXX should have taken more care to ensure that changes to my account were made with my authorization. 

I will like to XXXX XXXX XXXX XXXX XXXX review my case and refund the remaining balance on my credit as well as take the repossession off my credit. I also request that you investigate and unauthorized changes made to my account and take appropriate actions to prevent this from happening to other customers. 

I trust that you will take the necessary steps to resolve this matter in a timely and satisfactory Manner. 

Thank you for your attention to this matter. 

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

In accordance with the fair credit reporting act XXXX account 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 2 : It also states a consumer reporting Agency Can not Furnish A Acct without my written instructions. 
XXXX XXXX, XX/XX/XXXX Credit Unions : XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX  XXXX XXXX XXXXXXXX DPT EDXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2020 I cancelled credit monitoring with Experian. I received a refund of {$24.00}. I was charged {$27.00} today, XX/XX/2020 for membership which I did not authorize. Looking back through my bank activity I noticed I was also charged {$27.00} on XX/XX/2020. I called Experian today, XX/XX/2020, and they cancelled my paid membership and changed it to a free membership. The Experian agent said she could not credit my card for the membership but, instead, would need to contact my bank and dispute the charge. If that is true, which I doubt, why were they able to issue a refund in XXXX, 2020? 

Because this has happened multiple times I am submitting this complaint as I do not have confidence that canceling my membership will not result in future charges. I should not have to continually monitor my bank account for unauthorized Experian charges.
Product: Consumer Loan

Santander sent me a letter dated XXXX advising me credits of {$910.00} and {$1600.00} would be applied to my car loan account. Despite evidence of payments sent to Santander from the XXXX and a request to have the payments applied, Santander has never provided payment history evidencing those payments were applied. My car loan was paid in full on XXXX/XXXX/XXXX. The reason given no to provide the payment history is I am being represented by legal counsel. This is an inaccurate statement as XXXX/XXXX/XXXX and it is no reason to deny my request for payment history. Initial attempt was a certified letter sent on XXXX XXXX, XXXX of which I have not received a response.
Product: Mortgage

I currently have multiple mortgages with many different servicers and Associated Bank is on a completely different level in terms of their inadequacies. Attempting to work with Associated Bank is the single most frustrating experience of my life. Its like taking a step back into 1970! You can literally do NOTHING online except view a statement. You can't view specifics on your account, request a payoff, view escrow account -- NOTHING. In the 20+ years I've had mortgage accounts, I've NEVER spoken to the servicer as much as I have to with Associated Bank over the past 18 months. Most recently, they made another error on my escrow account. Luckily the taxes are only due twice a year on this property, so they can only botch it up semiannually! We went through the regular dance on XX/XX/XXXX where they call, so we pay the shortage. I called back on XX/XX/XXXX to find out what it will take to just pay the entire escrow shortage, I cut them a check for {$1600.00} and we're done. Nope! This time as an added twist to their incompetence, they start sending delinquent notices! Apparently, although I paid exactly what the rep told me to refill the escrow account, they later decided I should give them another {$1000.00}! 

Finally, after wasting another hour of my life on the phone with this listless band of halfwits, my checking account was debited over the phone for another {$100.00} for the payment shortages, and I've requested another {$1000.00} to go into escrow. I'm sure that in XXXX, they will be sending me a refund again because my escrow account is over-funded! 
Associated has clearly shown their inability to simply balance and pay an escrow account. I want to have my escrow account dropped w/out any charge. If anything, they should be paying me for all my time and frustration!
Product: Credit card

General complaint about all Synchrony credit cards that will be charging a {$1.00} fee for paper statements. This is not fair. Should give the customer the option to get paper statements without charging a fee. I have several Synchrony credit cards with various companies. I prefer paper statements. I find it awkward and time consuming get my statements electronically. Have to sign into account and then print it out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I own only 1 credit card which I completely paid off in XX/XX/XXXX, and have not used card since. On XX/XX/XXXX, my FICO score on Experian increased to XXXX. On XX/XX/XXXX, my score decreased to XXXX due to short credit history. The citing of " Short credit history '' has never been cited before on my Experian account until I paid off my card. Oddly, the moment my score increased to XXXX, Experian began urging me to sign of for Experian Boost. After my score decreased to XXXX, Experian again urged me to sign up for Boost. I believe Experian artificially decrease my score so that I would sign up for their Boost service by linking my bank account, which I do not feel comfortable doing. I believe his is fraud. My car loan is always current and I have absolutely no collections or late payment. My credit to income ratio is low.
Product: Credit reporting or other personal consumer reports

These are what the abbreviations stand for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; MCM = Midland Credit Management The following has been and still does report inaccurately. This is in clear and direct violation of my rights. 

MIDLAND CREDIT MANAGEMENT INC Account Number : XXXX Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DID NOT REPORT Original Creditor Reports CHARGE OFF DATE of XX/XX/XXXX ( XXXX  and XXXX allowed MCM to update " charge off '' to " collection '' in order to allow them to continue violating my rights as a consumer, since it benefits them to have consumers with lower credit scores in order to profit from services from predatory lenders ; XXXX failed to locate my credit file even though information on my profile is inaccurately reporting ) Balance : XXXX : {$640.00} ; XXXX : {$640.00} ; XXXX : DID NOT REPORT Original Creditor Reports {$640.00} Estimated month and year that this item will be removed : XXXX : XX/XX/XXXX ; XXXX : XX/XX/XXXX ; XXXX : DID NOT REPORT Original Creditor Reports it was CHARGED OFF. According to 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 the definition of " charge-off '' is : " A charge-off simply means a creditor has given up on collecting an unpaid balance and it's written off the debt as a loss. '' So many inaccuracies in just this one entry.
Product: Credit reporting or other personal consumer reports

Transunion has yet to remove XXXX as stated on XXXX reply as not showing on my credit report. 

It appears on my Transunion credit bureau report
Product: Credit reporting or other personal consumer reports

I HAD A VEHICLE THAT I HAD GOTTEN FROM XXXX XXXX, AND THEY MADE A CREDIT SALE TO XXXX XXXX, SO FIRST OF ALL THE ACCOUNT THAT THEY ARE REPORTING IS AN INSTALLMENT LOAN WHICH IS FACTUALLY INCORRECT. THE ACTUAL ACCOUNT IS A CREDIT SALE AGREEMENT. I HAVE THE RIGHT TO A FACTUAL CREDIT FILE AND DISCREPANCIES LIKE THIS ARE UNEXPECTABLE PLEASE REMOVE IMMEDIATELY, AS WELL AS I GAVE NO WRITTEN CONSENT FOR XXXX XXXX TO FURNISH AND VIOLATE MY RIGHTS AND CREDIT FILE, I HAVE THE RIGHT TO PRIVACY, IN THE LAW. 15U.S.C 1681 SECTION 602, ALSO IN 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 TO IS INACCURATE, SO I WOULD LIKE THIS ACCOUNT REMOVED IMMEDIATELY. 
LASTLY XXXX XXXX  HAS CHARGED ME AND STILL REPORTING LATE PAYMENTS AFTER THE CAR WAS REPOSSESSED, I HAVE AN EMAIL FROM THEM STATING THAT THE MONTH AFTER THEY TOOK THE VEHICLE THAT INSTEAD OF CHARGING MYSELF THE LATE AMOUNT REPORTED THAT THEY WERE GOING TO CHARGE ME 5 MONTHS WORTH OF PAYMENTS TO GET THE VEHICLE BACK THIS IS ILLEGAL AND I HAVE THE RIGHT TO ACCURATE CREDIT FILE AND DISCREPANCIES AS WELL AS ILLEGAL BUSINESS LIKE THIS UNEXCEPTABLE, PLEASE REMOVE THIS ACCOUNT IMMEDIATELY AND ITS ENTIRETY FROM MY CREDIT FILE.
Product: Money transfer, virtual currency, or money service

I was defrauded by unknown persons operating through the unlicensed financial brokerage platform XXXX, which solicited me to invest a substantial amount of money. All payments were made in way of crypto-transactions to wallets nominated as beneficiary wallets by the representatives of the unlicensed financial broker. Some transfers were made through my wallet hosted by XXXX  I consider the beneficiary wallets to be an integral part of the fraudulent scheme behind XXXX Based upon the understanding that XXXX is acting compliant and will provide the due care towards its own wallet-holders, my legal representatives from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX relevant request for provision of information to Fors DAX , Inc XXXX Unfortunately, as of the date of this complaint, XXXX has provided neither me nor my legal representatives with the requested information. By ignoring my request, www.crypto.com failed to provide the required information about the XXXX hosting the beneficiary wallets, where I have made a series of transactions to, respectively information that the beneficiary wallets were not hosted by a XXXX. By so doing, XXXX does not refer to specific legal grounds, which justify their decision not to provide the required information. In my opinion, the response from XXXX represents a clear example of the mistreatment of my consumer rights as a consumer.
Product: Debt collection

Hi, I have a collection by the name of XXXX XXXX XXXX. I dont recall giving my information to them. Can you investigate and also send me information and break down to this collection.
Product: Money transfer, virtual currency, or money service

Money was let go from my account when it could of possibly was a scam