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

On XXXX XXXX Bank increased my XXXX credit card from {$2600.00} to {$8000.00}. One week later, XXXX Bank reduced credit from {$8000.00} to {$2600.00} without any legitimate justification. 

My balance was already at {$2500.00}. Now I have a 97 % high credit utilization because XXXX Bank maxed out my credit limit by reducing my credit line from {$8000.00} to {$2600.00}. 

As a result, this has caused my credit score has dropped over XXXX points on Experian, XXXX, and XXXX credit bureaus. My account is in good standing. I have no delinquencies. Please force or advise Experian, XXXX, and XXXX to give me back my XXXX points ( or more ) that was a result of my 97 % high credit card utilization ( based on XXXX Bank XXXX Credit card ). 

Although a bank has a right to lower/increase credit, lowering my credit negatively impacted my credit score on Experian, XXXX, and XXXX. My credit score shouldn't have decreased when my account was in good standing.
Product: Debt collection

Portfolio Recovery Associates , LLC, through their agents, employees, representatives, has committed aggravated identity theft. They have obtain my non public personal financial information without my authorization or consent. I have never done business with them, do not have any contract with them and they opened an account, number XXXX without my consent or authorization. There is no Privity of contract. Portfolio Recovery through, their agents, employees, representatives are attempting to extort me for money ( payment ) which is a crime under title 18 of the United States Code. They also do not have Proof of the existence of this alleged debt and outstanding balance, proof of a contract verifying Portfolio Recovery can legally collect, and proof that Portfolio Recovery is the current holder of the instrument which created the debt with my original blue ink signature. Portfolio Recovery is violating the holder in due course clause pursuant to XXXX XXXX XXXX XXXX ( a ) ( XXXX ). A debt cant be transferred or sold when past due or in notice of dispute. I refuse to pay this alleged debt to Portfolio Recovery and I do not consent or authorize for Portfolio Recovery to have access to my nonpublic personal information as they are third parties and I never did business with them. I will report this to the Federal Trade Commission. This is grounds for a federal lawsuit.
Product: Credit reporting

I was working for a small business, via an online portal, based in XXXX Texas ( over 4 hours from my location ) and the owner used my information to open fraudulent credit accounts with XXXX banks, XXXX XXXX and XXXX XXXX. The account with XXXX was resolved and subsequently removed from my credit report. However, the Security team at XXXX XXXX did not resolve the fraudulent account and continues to report negative information on my XXXX and Experian credit reports. 
I have documents showing that I do not and have not lived at the address listed on the XXXX XXXX accounts. I have a notarized document signed by the individual who opened the accounts and claimed responsibility for them. I have the case # documented from XXXX County Sheriff 's Office when I reported the fraud. 
Please assist in disputing XXXX XXXX 's claim that I am responsible for the account in question. I have never, and based on this experience ( going on 2.5 years now ) will never do business with XXXX XXXX.
Product: Debt collection

After pulling my credit report I notice that there is a car loan on my report for {$37000.00} creditor Regional Acceptance. I no longer have this vehicle, nor tag etc. This account was closed as stated on my XXXX report as of XX/XX/2021. This is hindering me from getting another loan due to the large amount says owed. This is the only bureau in which this loan appears on and I am requesting it be removed immediately.
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX XXXX NON-FCRA OPT-OUT TAKEN - HARD INQUIRIES DISPUTES : I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is bot 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the 2020 Edition of the Privacy Act published by the U.S. Department of Justice. 
LISTINGS OF ALL HARD INQUIRIES I DISPUTE AS DAMAGING TO MY CREDIT PORTFOLIO PLEASE DELETE THE FOLLOWING UNAUTHORIZED INQUIRIES : CREDIT ACCEPTANCE XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS SUCH AS XXXX XXXX AND XXXX XXXX. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASSE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated. 

Thank you for your full consideration in this matter. 


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

I have been officially verified as a victim of the XXXX  security breach and since last summer of 2018, I have faxed, mailed, and called XXXX  about fraudulent credit reporting on the file. Instead of following the FCRA 605B law they refuse to correct their mistakes they have made. I have also been victimized by a roommate who has since moved out. That roommate was making payments during his duration of time so I would not be alarmed. I have filed a Police Report with XXXX XXXX, CA PD and sent more than 5 FTC reports. Experian and XXXX  didnt cost millions of Americans money through a data breach and they block the fraudulent credit items. Why is XXXX  making it hard for a victim to get fraudulent credit accounts blocked?
Product: Vehicle loan or lease

I got this loan back on XX/XX/XXXX I have had nothing but problems I only missed one payment but I got caught up it's been since covid-19 had back in XXXX well I ended up losing my job due to covid I kept telling them and missed payments everything I kept in contact with them they were very rude they would call my phone 24/7 non-stop from XXXX XXXX to XXXXXXXX XXXX seven days a week never stop leaving voicemails everything well a month ago I paid the car off which is fine but the point is is the harassment and the late fees and then disabling my starter so I couldn't get anywhere to get money to pay my car it was just I need to know I need to let people know what kind of company this is there are harassing company they are very rude they had no remorse or anything with it for what they had done well I'm a credit report now it's a set of clothes and don't say that I paid it off in full couldn't put nothing positive on my credit report damn all the days I was late on there so yeah it's making me look bad due to covid-19 making a very bad hardship on me
Product: Debt collection

Recently I was reviewing my credit report and noticed several errors I noticed a debt which was disputed and deleted is still however showing on my XXXX which doesn't belong to me is re reporting on my consumer report.
Product: Mortgage

citi mortgage is using the hamp program to commit fraud in a federal court
Product: Debt collection

This collection agency has an account on my credit record that I totally don't know about. When I called them, they didn't know what company it was, and it is also expired according to the law. In addition, they are reporting this old account that I didn't know about to the credit reporting agencies. credit, I demand that this be removed from my credit, I attach the letter, please open the attach
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S. Code 1679d : Allows consumers to cancel credit repair contracts without penalty within three business days of signing.

Section 605 ( a ) ( 4 ) : Section 605 ( c ) Time limits : Charge-off and collection accounts. 15 US Code 1681c-2 a consumer reporting agency shal block the reporting of arr information in the file of a consumer Nut the consumer idensfies as information that resul from an alleged identity theft, not later tun 4 buriness days after the date of receipt it has been 30 dar and you tre in VIOLATION of this law because lam a victm d identty theftil Please delete these tems IMMEDLATELY These accounts should not be furthed on my consumer report as toy are in ViOLAtON Under, 15 US Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL SUS to subsection ( e ) any consumer reperting agency may fumal a consumer report under the fotosing arcumstances and no other : ( 7 ) in accordance sh the WRITTENUNSTRUCTION c consurer to whom it relates. I NIVIR gave any consumer reporting agency WIITTIN CON to report amything on y consumer report which violates my rights as a federal prosected consunter. NO CONSENT IS IDENTITY THEFT. As a consumer l am demanding the deleteion of accounts listed IMMED'ATELY!
Product: Credit reporting or other personal consumer reports

these inquiries are not mine and i wish to have them removed. I sent a letter to transunion requesting things to be removed but have yet to receive a response.
Product: Vehicle loan or lease

I purchased my car on XX/XX/2019 for {$20000.00} and I put a {$3000.00} down payment resulting to {$17000.00}. I have paid {$420.00} each month and sometimes even more. Its past two years and it shows that I still owe around {$14000.00}. My payments hasnt been going down. In my statements shows that sometimes it only goes down XXXX dollar. Please help. This car has ruined my life and now I dont even have money to take it out. My payments never went down and Westlake financial service is robbing me!! Its cause a big XXXX  affect on me because Im been XXXX  about paying my car on time during the pandemic and now having to deal with this situation. Also, please contact me with a XXXX  lawyer. I had to use a translator for this.
Product: Credit reporting or other personal consumer reports

I had a American Express credit card that the first month of nonpayment is XXXX 2017. With the FAIR CREDIT REPORTING ACT seven years from the first month the account becomes delinquent that account should be off my credit report. It has passed 7 years and it is still there. I would like this item to be removed from all three of the credit bureaus.
Product: Credit card

I was contacted by my credit card company, XXXX Bank, XXXX XXXX XXXX, regarding XXXX charges and was asked if I recognized the charges. I replied XXXX. There were XXXX charges from XXXX for XXXX XXXX concert tickets. I have never bought concert tickets from XXXX and did not make those purchases. XXXX of the charges was blocked and XXXX was allowed to go through. I then cancelled my credit card and was sent a new one and also disputed the charge. I was recently contacted by their fraud department that they were reversing the charges back to me and that I participated and benefited from this. I did NOT make this charge and did not benefit in any way from it. I have contacted them to appeal the decision. They want to charge me {$XXXX} for tickets I neither authorized nor obtained after they identified the fraud.
Product: Credit card or prepaid card

The AAdvantage Aviator Mastercard fraud team wrongly posted a {$4000.00} fraudulent charge from XXXX XXXX ( a company I have never done business with ) on XX/XX/2023, and are refusing to remove this charge, thus damaging the credit rating that I need as a woman-owned, minority-owned business. 

AAdvantage Aviator Mastercard now refuses to characterize this charge as fraudulent ( after initially characterizing as fraudulent and crediting my account, they changed their minds and charged me again ), but I have yet to receive documentation of whatever it is they are relying on to arrive at this conclusion. This charge is fraudulent and must be removed. This situation has arisen entirely due to the company 's own negligence in posting this {$4000.00} charge from XXXX XXXX on XX/XX/2023 AFTER I notified them on XX/XX/1023 that my card had been hacked and XXXX XXXX had fraudulently charged me {$1000.00}. Because of that fraud, I closed my old account and had a new card mailed to me. 

Despite my reporting the fraud and getting a new account number, Aviator Mastercard negligently posted a charge to my account, made on the old, compromised card number, EIGHT DAYS after I reported the initial fraud by XXXX XXXX. They should not have done that. How is that appropriately discharging their duty to me as a credit card company to protect my account? 

I contacted XXXX XXXX on Barclay 's instructions, which was worse than useless ( see attached faxes to Barclay 's fraud team describing that interaction ). I have filed a dispute with XXXX XXXX also, both online and via mail. These charges are fraudulent. 

Due to the company 's negligence in posting fraudulent charges from the same company and on the same compromised account number eight days AFTER I notified them of the fraud, and their unsupported refusal to remove these charges, I am now showing a balance on my credit card, which impacts my credit rating ( currently at 818 and 824 - I have a good credit rating and need to keep it that way to borrow for my business ). 

I am begging for your assistance in getting them to immediately rectify their negligence and credit my account in the amount of the fraudulently-charged {$4000.00} so my credit rating as a woman-owned, minority-owned business can remain good. Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

GreenSky LLC used merchants to promote and offer financing to customers before making immediate lending decisions based on criteria provided by its partner banks.

Proceeds from GreenSky 's load did bypass the consumer and was disbursed directly to merchant XXXX following the merchant 's application for payment. In violation of the CFPA GreenSky engaged in unfair practices such as processing and servicing unauthorized loans and structuring the GreenSky Program to enable unauthorized loans. The consumer did not authorize the payment to merchant at fault. GreenSky failed to implement adequate merchant training and oversight and neglected to manage consumer complaints. 
The consumer did not receive billing statements, collection letters and calls from the company. The consumer found a 'delinquent ' entry in his credit reports listing GreenSky.

GreenSky shall be ordered to cancel or refund, pay a civil penalty, and take steps to prevent future issues.

Evidence : Demand Letter 1 send via traceable courier services to merchant XXXX : The undersigned reserved the right to reject products discovered to be defective within the stipulated returns period. The failure of XXXX to issue a refund or replacement can become a court case. All efforts proved unsatisfactory. 
Demand Letter 2 send via traceable courier services to merchant XXXX : This 2nd demand letter is a friendly reminder to our 1st demand letter dated XX/XX/2023, stating facts : XXXX warranty dishonor and XXXX product defects. 
The undersigned reserved the right to reject products discovered to be defective within the stipulated returns period. The failure of XXXX to issue a refund or replacement can become a court case. All efforts proved unsatisfactory.

Demand Letter 3 send via traceable courier services to merchant XXXX : XXXX is in default with the refund of the original purchase price the undersigned customer paid to XXXX { XXXX ID # XXXX ).
Product: Debt collection

THIS COMPANY HAS REPORTED ME TO THE CREDIT BUREAU WITHOUT 1- I HAVE NO KNOWLEDGE OF THIS DEBT THEY DID NOT SEND ME A WRITTEN NOTICE OF THE ALLEGED DEBT SO I CAN DETERMINE WHETHER OR NOT IT IS VALID. 
2- I DON'T KNOW WHY IT WAS REPORTED TO THE CREDIT BUREAU
Product: Credit reporting

I am not pleased that TransUnion did n't resolve my issue with a credit card com- pany, XXXX XXXX, which I never had a card with. I understand they took over XXXX cards, but I always paid my bills on time and certainly was n't 3 months delinquent! They also had a telephone number with a Area Code XXXX for me and I have never lived in the XXXX area! This stuff is still the very first entry on their credit report.
Product: Mortgage

On XXXX XXXX, XXXX I received notification that my mortgage account reflected a late payment. I send documentation to the company via their website showing my bank statement reflecting on time payments for the period in question. Thinking this was an error or oversight of some kind, I was n't overly concerned. That was until I received the second notification on XXXX XXXX, XXXX claiming the account was delinquent by three months and I owed nearly {$2900.00}. This was accompanied by a transaction activity sheet listing these increases as a result of an interest rate increase. The first increase was from {$930.00} to {$970.00} for the period XXXX/XXXX/XXXX through XXXX/XXXX/XXXX and then rising again to {$1000.00} on XXXX/XXXX/XXXX to current. Since I was unable to reach anyone over the weekend, I decided to research the company that holds my mortgage. What I discovered was quite disturbing. Claim after claim about how Nationstar had taken over a great many loans under the XXXX program and had been either adjusting escrow amounts or increasing interest rates but not informing customers as to reflect delinquent accounts and position themselves for foreclosing on these loans. 

When I was able to reach Nationstar on Monday, XXXX XXXX, XXXX I spent three hours on the phone being transferred back and forth to various departments. The first person I spoke with told me that the interest rate on my loan increased in XXXX of XXXX. When asked how they informed me of this change, she said her records indicated that a letter was sent on XXXX XXXX. I received no such letter. My monthly statements never reflected a short fall in my monthly payments either. Then she told me that my interest rate increased again in XXXX of XXXX She said XXXX letter was issued in XXXX of XXXX informing me of the increase. Again, no such letter was received and my monthly statements did not reflect a deficient payment. I received no such letter. My monthly statements never reflected a short fall in my monthly payments either. 

It seems that they did raise the rates, however I was never informed of these increases. At matter now, is that no one can tell me accurately how much I need to pay to bring the account current. Of the XXXX people I spoke to XXXX indicated {$140.00}, another {$180.00}, and another {$910.00}. I have requested that they send me a bill and documentation that will show me how much is owed and where it will be applied. They assured me they would send me an email in XXXX48 hours. It is now XXXX XXXX, XXXX and I have received no written correspondence from Nationstar. I desperately need your help to get a clear and honest answer about what is owed. This is my home and this mortgage company is behaving like a predatory lender hoping that the longer they delay the closer they get to a foreclosure process. I have lived in my home for 25 years, and I have never made a late payment, not once. I am shocked, appalled and frankly terrified that this is happening and I am seemingly vulnerable to their practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I initiated a dispute for an item on my credit report furnished by Experian. 
Experian completed their investigation on XX/XX/2019. 
on XX/XX/2019 I submitted new documentation and requested a re-investigation. Experian completed that investigation on XX/XX/2019. 
On XX/XX/2019 I requested the method of verification for the XXXX XXXX collection listed on my credit report pursuant to FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) which states : if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of the information contacted in connection with such information, and the telephone number of such furnisher, if reasonably available. 

FCRA 611 ( a ) ( 7 ), which is used for such a request, states : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

Experian completed yet another reinvestigation on XX/XX/2019 but failed to provide the method of verification and are in violation of the FCRA.