23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

Paypal Syncrony has lowered my credit limit despite never being late or missing a payment. They provided no advance notice that my credit limit would be impacted if I didn't increase usage. This amounts to a lowering of my credit score at a time when I am looking for a new home, as my available credit has decreased and my debt as a percentage has increased. I spoke with a rep today who could only increase my limit to {$2200.00}, still much lower than the {$10000.00} I previously had.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wanted to let you know that Equifax is reporting fradugelent things on my credit report. I sent them a police report as well as an identity theft report to let them know these things are FRAUD for XXXX   XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX/XXXX, and all the accounts with Merchants.
Product: Credit card

Applied for a credit card. I was approved but for a secure credit card in which i used my own money for the credit. My monthly bill was due and I was late because payment was returned or didnt go thru, because of that they closed my account. I refused to continue to pay on it considering it was my money to begin with but they continue to add interest and fees to the amount owed. Again this was a secure account, so why do I owe them {$130.00} for a closed account.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim *of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible. XXXX Account Number XXXX XX/XX/XXXX {$2100.00}, XXXX XXXX XX/XX/XXXX {$2000.00}, XXXX XX/XX/XXXX {$8000.00} XXXX XXXX ending in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently went to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. I got in contact with Federal Trade Commission and police. I need your help. These items need to be deleted from my credit report XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/2024, I made a purchase for {$2700.00} via PayPal to XXXX for an industrial laser engraver to be shipped from XXXX. The item arrived severely damaged, I refused the delivery. After contacting the seller, he asked me to go ahead and accept the delivery so that he could file a claim with his freight forwarder to get the item replaced. I told him that I was opposed to setting up the machine because I didnt want to be stuck with it. The seller insisted that we need to test the machine to assist him with the claim process. I repeatedly let the seller know that I would not be keeping the item and expected the replacement to ship soon. After a few weeks, it became obvious that the seller had no intention of replacing the item. I filed a claim with PayPal for a refund of {$2300.00}, which was the price of this specific item from this shipment. I requested this amount because the seller himself stated that it would be impossible to ship the item back to XXXX because it would not pass customs and it would be to costly to his company. The seller himself refused to give me the refund or the replace the item, so I went through PayPal for the dispute. PayPal is now telling me that, despite all of the evidence I subimitted regarding the seller stating why I needed to accept the delivery and the discussion of replacement, I am repsponsible for the cost of shipping a XXXX pound laser back to XXXX at my own expense, in order to be refunded. The seller should be paying the the freight truck to come get the machine since I refused the delivery in the first place! I dont believe PayPal even bothered to look at the evidence to understand the situation.
Product: Consumer Loan

I refinanced my car with Flagship over a year ago, I went through the application process and sent you all the information required and you in return paid my loan with XXXX XXXX. My first car payment was not due until early 2016. During that time I was told that I could only change my due date only once and it will remain the same through the life of the loan. I did change the due date to the XXXX to accommodate my pay schedule. After I made that change my company decided to change our pay periods without giving us notice. I called customer service to have the due date changed to accommodate my new pay schedule, the representative said I had already changed it and I could not change it again. 

Now my issue with your company is that first I did not receive a copy of the contract that I signed and I have been unsuccessful in obtaining that. Second, I feel that a customer should be given the courtesy to change there due date at least once time a year but your policy does not allow that. Third, I am getting charged late fee every month when I make my car payment and no one in your customer service department has not been able to explain what amount I am being charged.I cant afford to keep paying late fees plus my regular car payment. I explained to the rep I can make my car payment on the XXXX of the month and she told me that would be noted. I am continually getting up to XXXX customer service calls a day from your company and they are the most disrespectful human beings I have ever encountered. I trust this is not the way your awful company conducts business with valued customers. 

I am completely mortified with your companies polices, bad customer service and the interest and late fees. I regret ever refinancing my car with your company. I never had these problems with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights 15 U.S.C 1681 section 602 A State that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 It also States consumer Reporting Agency can not furnish a account without my written instructions.
Product: Mortgage

I was unfairly treated by you mortgage dept I will be happy to discuss this my phone number is XXXX XXXX XXXX
Product: Debt collection

It appears that Client Services Inc. has purchased from XXXX ( XXXX ) an account. I am in receipt of a letter from XXXX, corporate council, of XXXX. The letter, via CFPB portal, states that my phone number was wrongly used. XXXX states that my phone number would not be called in the future. 

Obviously, XXXX could make that statement knowing the " account '' would be sold to another company, Client Services Inc. ( CSI ). CSI has called, but has not left a message, and has not identified themselves on caller-id, but instead uses the ID of " Toll Free Call ''. 

I demand to know why CSI is calling my telephone number. I want the unlawful contact to stop. I want my number to be removed from the account file, so when CSI sells the account, my phone number is not part of the account, file, or whatever term the " debt servicers '' call it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, XXXX and Experian on XX/XX/XXXX, How ever the credit beureas said the completed the investigation and everything was 100 % accurate. 

15 U.S. Code 1681a - Definitions ; rules of construction The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to and XXXX it was completed
Product: Student loan

My student loan company, Navient, has been recently increasing my interest rates significantly, consequently preventing me to pay off my loans. I have asked them multiple times over the years to help me with consolidation or to stop increasing interest rates considering I make timely monthly payments every time, and time after time I am being declined their support. With my 9 % interest rate I will never be able to pay off my loans and I will be stuck in this terrible debt forever. The more I pay the more interest rates go up and I am not asking for loan forgiveness I 'm just asking to make my interest rates more humaine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report. 
I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. 
I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting.

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate every piece of information and remove these items below from my credit report. 
Accounts 1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT Account Number : XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX  Date of inquiry : 05/09/2023 Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I have unauthorized Inquiries that I do not recognize. I ask that the Inquiries be removed from my Equifax credit profile. 

Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have also attached a copy of ITR along with my complaint.
Product: Debt collection

Last year my wife received XXXX at XXXX XXXX XXXX XXXX XXXX XXXX. We paid our insurance co-pay and the bills that showed up afterwards. A couple of months ago my wife noticed a negative filing on her credit report from a " IC Systems '' and when we call the phone number it tell us the switchboard is down. Just in XX/XX/2020, they open 7 new negative accounts over 1 bill. They have called her office over a hundred times this year. They spoofed our office number on these occasions ( just in XX/XX/XXXX ). 

XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX When the calls are answered there is never anyone on the line. This ties up office resources. In the past 90 days they have made the below calls and it is always a dead phone line. 

XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX XX/XX/2020 XXXX XXXX  IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX PM IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX  IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Now my wife 's credit is destroyed and there is no way to contact these people. We have never received a statement from these people or a call on our personal phones. Why are they allowed to ruin people 's lives, especially during the COVID-19 epidemic??
Product: Checking or savings account

So I had an account with cash app I decided to open a new account cause I was having issues with XXXXXXXX XXXX  : tryig to t ( ake my funds as soon as I made a new account cash app froze both accounts loced me out without proper explanation why XXXX I have money in. My first account still it's been over 2 months since they closed my accounts they have admitted I have money : in my account yet won't, allow me to access transfer my funxsss into the linked account while a customer with them I have tried every angel with cash app employees they keep telling me to verify me to prove the account is mine which I've tried. Many fimes but part of the 2step verification it dreniss me says I am putting in the wrong card number linked which has not changed I have done everything I could to regain my fiunds but they refdise to all ow me to access my account this is where it takes a wrong turn they won't allow me to access my funds cause my account is Closed then why are they still allowing XXXX XXXXto take my funds and they have had to rreplace it caused XXXXXXXX XXXX is allowed to take my fiumds out of my closed account but I can't why is that I have reported them to the BBB but haven't heard nothing back id like legal councld to XXXX and sue cashapp do I have XXXX XXXX XXXX to take my case
Product: Debt collection

credit account was closed in XXXX and written off. In XXXX it was resurrected and disputed. It was a different account number. Now it is in collections and reporting against my credit
Product: Debt collection

I had a debt collector contact my mother saying that I had an account in collections. When I contacted them, they stated it was for a XXXX account out of Idaho. I have never lived outside of the state of South Dakota, and have had the same XXXX account from approx XX/XX/XXXX-XX/XX/XXXX. I told them that I was a victim of identity theft and that I would be filing a police report. This debt had since been reported to credit bureaus.
Product: Credit card

Paid account in full without settlement. 
Contacted asking to have report updated. 
Report still not updated to reflect
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I recently checked my credit report, then found out there is credit cards charged off from XXXX, XXXX XXXX and XXXX XXXX under my name. It looks like someone else used my informations to open these accounts. As I NEVER opened these accounts. Please remove them from my report.
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. 

Account name : XXXX XXXX XXXX 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 informationisinaccurate. 
Please remove these Inquiries from my credit report.
Product: Mortgage

I received a letter from my prior mortgage servicer at the beginning of XXXX that Freedom Mortgage Corporation had assumed my loan. Despite repeated calls to them and promises that I would receive a " welcome '' letter and documentation, I have never received anything from this company. It took me over a month to get my loan number so I could make a mortgage payment ; but I still don't have anything from them to prove they are actually servicing my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect information that's on my credit report. Which relates to late payments. It has been well over 30 days, and I haven't received any investigation results. Listed below are the dates and amounts. 

Credit Bureau : XXXX  XXXX CARD XX/XX/2019 XX/XX/2019 $ XXXX   Monthly Payments XXXX XXXX XXXX XXXX XX/XX/2019 XX/XX/2019 XX/XX/2019 $ XXXX  Monthly Payments XXXX XXXX XXXX XXXX XX/XX/2019 XX/XX/2019 $ XXXX  Monthly Payments Sunoco/CBNA XX/XX/2019 $ XXXX  Monthly Payments
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 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: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New Jersey XXXX Experian Information Solutions , Inc . 
Dispute Department XXXX XXXX XXXX TX XXXX RE : Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations. Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 
I hereby request that Experian : 1. Conduct a thorough reinvestigation of the following disputed accounts or items [ list the specific accounts or items you are disputing.

2.Provide me with all documentation used to verify the accuracy of the disputed information.

3.Correct or delete any information that can not be verified or is inaccurate, as mandated by law.

Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 
If Experian fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 
Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. 
Sincerely, XXXX XXXX ] Phone : XXXX Email : XXXX [ Enclosures : Copy of ID
Product: Mortgage

I had a mortgage with GMAC ( who is now bankrupt ) that was paid off XX/XX/2011. 
I sold my house a month ago and the title company wo n't release my money until the lien is taken care of. I have a letter from GMAC stating the loan is paid off and that they will notify the county offices from XX/XX/2011 but they never released the lien. I have talked to Ocwen who took over GMAC numerous times and even received a letter from them stating they do not have the authority to release my lien.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to resolve the multiple negative student loan accounts on my credit report. The credit bureaus ( XXXX, XXXX, Equifax ) are neglecting to verify the accounts properly to determine which ones are duplicates or original. Due to poor communication and investigation I'm requesting that all accounts be removed. All of the loans in question were recently consolidated but the negative accounts that been reported are hurting my scores, ability to obtain credit and hindering my home buying process. I also have an excessive amount of unauthorized inquiries that i have no knowledge of and when I try to dispute them they tell me that they belong to me and factual when they're not.
Product: Credit reporting or other personal consumer reports

On XX/XX/24 I received a notification that my Conns account balance increased by the credit bureau {$440.00}. So, I reach out to Conns via chat and email regarding this matter to see why I they added this to my account and XXXX via chat stated she didn't know and didn't have access to see why. So, I then reach via email to be told they did see this to check back and they would possibly provide me with an answer. So, I reach back out to be ignored and not receive a response when I reached back out. Conns has went bankrupt and is trying to get over on people. I WILL NOT PAY ANOTHER DIME UNTIL MY ACCOUNT IS FIXED PROPERLY.