23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

My credit limit was raised in XXXX to {$6200.00}. I made every payment on time sometimes double the payments I was never ever late not one time. Out of the Blue an hour ago they told me that they decreased my limit to {$2800.00} which is the amount that I had on credit card at the time. So they dropped my limit in half which meant I could not use the card until I payed it down. I called and asked Barclays why and they basically said because I have to many credit cards. How am I being punished for being responsible with my credit. 
I can see if I was late and miss payments. How was it that they can even randomly check my credit and decide that I have too many cards so theyre gon na cut my credit in half on your card, that should not be allowed. 
I am disenchanted with Barclays JetBlue card so I told them to cancel the card and I cut the cards and this didnt happen until after I added my daughter as a user so I dont know if that had anything to do with it but its unfair especially since I have been repairing my credit for the last 6 years and have been doing well but they come along and punish a good customer, unbelievable and disappointing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 to Experian. 
However the credit bureaus said they completed the investigation and everything was 100 % accurate. 
According to the law 15 U.S. Code 1681a - Definitions ; rules of construction.

The term investigate 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 informations. 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? 
How did they complete this investigation?
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report.
Product: Student loan

The I3Group is a harassing company and apparently they dont have information that they are claiming to have about my student loan. My loan is not in default but they insist that it is. I make my payments and when I look at my federal loan account online statements when they called they said that the information is not correct. They call from different numbers and are extremely harassing throughout the day. I am currently in the do not call registry and this company says it does not apply to them. They consistently ask for person information such as social security number, date of birth, and address.
Product: Checking or savings account

Received Mailer from PNC on XX/XX/XXXX offering {$500.00} bonus for opening a XXXX XXXX XXXX XXXX Link on the mailer was XXXX and took you to this page - https : //www.pnc.com/XXXX  XXXX & XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX & XXXX The Full terms are present there. 

Account was opened on XXXX XXXX Contacted PNC multiple times to ask about the bonus and got different answers. 

First time - No Bonus 2nd Time - {$300.00} Bonus 3rd Time - I asked why is it {$300.00} when I signed up for {$500.00}. Rep then has the audacity to claim " PNC HAS NEVER OFFERED A {$500.00} BONUS IN OUR HISTORY '' and refuses to proceed further. 

I am at my wits end. I have attached a screenshot of the offer I signed up for below
Product: Credit reporting or other personal consumer reports

I have a several inquires on Experian my credit report that I do not recognize. 
They are : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Citibank has blocked my account since XX/XX/2024 for no apparent reason. I made a complaint earlier with CFPB and CitiBank responded saying the fraud department sent me a letter in the mail to confirm my account on XX/XX/XXXX and again on XX/XX/2024, neither of which I have received. They said it takes XXXX business days to receive the letter and its been past that timeframe, XXXX  already. Please contact the Account Takeover Department because they are the ones sending the letter and they are either sending it to the wrong address or not sending it at all. Citi Executive Response Unit will respond to this complaint by saying they sent a letter to my address and that the case is resolved ; I dont accept this response because they are still to contact the Account Takeover department and investigate why the are sending the letter to the wrong address. It can not be a coincidence that the mailman lost the letter, XXXX times already. I still receive various anonymous mail from Citibank concerning my account, this seems to be the only letter from Citibank that I havent received and its from this particular department, so they are obviously doing something wrong. Here attached in this complaint are images of other mail I have received from a different department of Citibank regarding other issues with my account ; this proves that I receive mail from CitiBank, just not from the aforementioned department. Ive filed a complaint with Citibank executive response unit and they basically told me they dont have any control over the fraud department and have no rapport with them and cant even call them. I have my life savings of {$55000.00} in this account which I can not access and this is jeopardizing my familys living situation as I am unable to pay rent without these funds. Citibank Account number : XXXX Account type : personal checking account Account holder Name : XXXX XXXX Citibank Fraud department : ( XXXX ) XXXX I have filed complaint with Citibank Executive Response Unit at : XXXX extension : XXXX Reference number : XXXX Original OCC case number : XXXX
Product: Debt collection

I disputed everything on my experience credit report twice and both times it came back my debt was validated but they didn't give me nor send me any information on the steps they took in their investigation all they said it was validated which set up another 7 years on my credit report I asked that it be removed from my credit report because of that and they still did not respond to my request
Product: Credit reporting or other personal consumer reports

I am unable to see any active disputes on my account. The active dispute page just loads, and it never populates any results. I have tried multiple troubleshooting methods, and I am still getting the same result. The issue is on TransUnion 's end.
Product: Mortgage

Northwest Bank attempted to rob me of XXXX $ I have a loan that matures on XXXX XX/XX/2023. 
Today I attempted to pay said loan off, and requested the payoff number cost. They told me I owned {$40.00} in addition to the standard principal and interest. I told them that was impossible. They proceeded to indicate the additional {$40.00} was a fee for recording the loan payoff with the local government. 
Unfortunately for them I actually have all my loan documents. The Recording fee is clear part of my Main loan closing costs. ( this was a line of credit and the security interest was held within the Main loan as is clear referenced in the LOC documentation ) I explicitly told them to calculate the current principle and interest to pay off this loan, which I then proceeded to pay. 

I realize {$40.00} is a tiny fee, but I refuse to let them steal if from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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

On XX/XX/2020, I filed a complaint against XXXX XXXX XXXX ( XXXX ) also doing business as a part of XXXX XXXX XXXX. Please refer to CFPB complaint XXXX. As a resolve to that complaint, I requested the following : " I need XXXX to correct the error to my account to show {$0.00} balance, correct any erroneous information reported to the credit bureau ( s ), and send me documentation designating this account has been paid in full along with the title to the vehicle. '' XXXX did NOT correct the erroneous information reported to the credit bureau ( s ) which caused my credit score to drop 93 points from XXXX to XXXX. I have filed a dispute with XXXX. However, the onus should be placed on XXXX to correct the messes they have created. I should NOT be required to file disputes with all those to whom they have reported erroneous information, especially since I have no idea to whom that may be. I just happened to have the XXXX account and received notice of the error. 

Please help, again. 

Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX on numerous occaisions to remove the hard inquiries from my XXXX credit report. 

They have looked at all my letters and done nothing about it. No explanation nothing. They have surpassed all the timelines and ignored everything. They have continuously broken the law. 

I NEVER authorized XXXX - XX/XX/2022 inquiry not XXXX XX/XX/2022 to use my credit report. 

These inquires MUST be removed.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- -XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX DEPT OF ED XX/XX/XXXX DEPT OF ED XX/XX/XXXX -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX  XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I have been disputing the enclosed information for over 4 monthsonly to receive the runaround and stall correspondence from not only the creditor XXXX but also the credit bureaus.
Product: Bank account or service

Bank of America ( BoA ) [ after just settling a class action lawsuit for their predatory fees structures ] has instituted yet another predatory policy that charges customers an overdraft transfer fee of {$10.00} *per transaction* ( no matter the amount, and with no cap on # of fees XXXX for automatically moving funds to cover overdrafts between customers ' linked accounts. For example : today, I received an email notice ( after the fact ) that my checking account was overdrawn by {$14.00} and " overdraft protection '' was applied from my savings, along with an " overdraft transfer fee '' ( OTF ) of {$10.00}. This has happened before, especially when I travel and use my debit card during the weekends and holidays. I 've been charged {$10.00} fees on overdraft transfers as small as {$1.00}, and I 've accumulated XXXX dollars in XXXX fees over the last few months. There 's no human effort involved in moving my money between my linked accounts XXXX which I setup specifically with overdraft protection ), and no clear rationale for why {$10.00} is necessary for these automated transactions. BoA is just arbitrarily collecting fees because they can. That 's insane! I 'm a XXXX student, with limited income, and these fees are killing me. I 've contacted BoA several times to request refunds and adjustments to their automatic OTF policy with no success. Please help. This is a legitimate issue for folks with limited incomes and understanding of how to avoid/fight these fees.
Product: Debt collection

According to the United States Code this company does not have the right to report this inaccurate account from XX/XX/2019 on my credit profile. 

I've had AMERASSIST AR SOLUTIONS harassing me and sending phone calls at all hours of the day.
Product: Debt collection

My name is XXXX XXXX and I am completing this complaint without help of a third party or agency. I know my rights and I choose to assert them because the harassment has to end. This complaint is pointed toward Midland Credit Management.. All details and correspondence are attached to this complaint. I have no business or obligation to this company and the abuse has to end. I have attached a letter displaying a full detailed timeline and events that took place. I have been so stressed and I wake up with anxiety headaches in reference to their harassment.
Product: Mortgage

Ocwen Loaning Servicing has changed their on line payment system. The system is down and is not working. There is no notice on the web site that it is not working. I attempted to make my XXXX payment on XXXX/XXXX/15, XXXX & XXXX but it failed. Using the customer contact email system, I wrote that it was not working, it clearly states that they would reply in 24 hours. No reply has been received back at this time. I have also written the Ombudsman and have received no reply back. My other complaint is they have change the terms on online payments. It states that you can not make a free online payment after the XXXX. The terms of loan agreement is the payment is not consider late until after the XXXX of the month. I am extremely dissatisfied with the service I received from Owcen and could only imagine how difficult they would be to deal with if I ever ran into financial difficulties
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen around XXXX 2018. I contacted the banks fraud department to inform them I did not open a credit card with them. I have contacted several other banks to inform them I never opened accounts and cards with them. They all removed the accounts from my credit report. However, Capital One Bank has not removed the account from my credit. I contacted Capital One in XX/XX/2018 and they have not removed it.
Product: Credit card or prepaid card

2 BANK OF AMERICA ACCOUNTS WERE OPENED FRAUDULENTLY. I AM A VICTIM OF AN IDENTITY THEFT, I HAVE CONTACTED BANK OF AMERICA NUMEROUS TIMES,  THIS ACCOUNT WAS OPENED WITHOUT MY CONSENT, THE CHARGES ARE ALL FRAUDULENT. I UNDERSTAND THAT BANK OF AMERICA IS A BIG COMPANY, EVERY TIME I CALL I GET TRANSFERED FROM DEPARTMENT TO DEPARTMENT AND NO ONE IS ABLE TO FIND ANY INFORMATION SINCE THESE ACCOUNTS ARE CLOSED AND OTHER DISPUTE. THEREFORE I NEED THESE TO BE REMOVED FROM MY CREDIT REPORT,
Product: Credit reporting, credit repair services, or other personal consumer reports

For 3 to 4 years ( from XXXX to XXXX or so ), I received recurring emails from an unknown anti-virus company. The strangest part of viewing the email was the last four digits of my Wells Fargo credit and the Wells Fargo logo was indicated on the Payment Due portion of the notice. I didnt think it was official and ignored it. 
However, my card was subsequently charged for hundreds of dollars. I immediately requested a cancellation through the company and was denied. I asked how was my information retrieved. I never received a straight-forward answer. However, I was told a refund was not possible sense the grace period had expired. 
I contacted Wells Fargo. This is where the run around and transfer rollercoaster began. I eventually received a new card. However, the next email had the new number ( last four digits ) and Wells Fargo logo. Of course now Im thinking Wells Fargo is behind this. 
This time I called the company early, requested cancellation verbally and replied to the email with a cancellation. 
I contacted Wells Fargo again and received almost the exact run around as the previous year. So sad so frustrating! 
I feared I would be charged again. I was! Now I knew Wells Fargo was behind this act. I finally canceled the card. I never want another Wells Fargo account.
Product: Checking or savings account

In XX/XX/XXXX, I mailed a check ( # XXXX ) for XX/XX/XXXX rent for {$3000.00}. My landlord never received check # XXXX. I discovered the check was forged and submitted an affidavit to my bank HSBC. I was reimbursed for the check on XX/XX/XXXX. 

However, since I was behind on rent for several months, I was required to appear in court on XX/XX/XXXX. My landlord charged me {$870.00} + $ XXXX= {$890.00} in legal and processing fees. In an email on XX/XX/XXXX an HSBC representative says they will not reimburse the legal fees. 

HSBC is liable for the fees because their mistake ( allowing a forged check to be cashed ) is the reason I had to go to court and pay the fees.
Product: Checking or savings account

I get a notification from the app that I used to handle my bank account. Once I log in it wont let me see my funds, and a notification tells me to contact customer service of the bank. I spent XXXX minutes confirming my identity, only for the customer service representative to say that the company closed my account. They didn't give me any more information on how to potentially contact any other part of the company to figure out why my account was closed. Trying to figure out another way, I look at my email associated with my account to find an email only sent an hour and a half before the call saying my account was closed. There was no reason given in the email. The date is Friday XX/XX/year>. I got off of the call with the representative at XXXX p.m. The bank is Discover.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to fix my credit reports I cant access them because of auto loans I dont have Someone used my name to get apartment There are credit card and loans dont belong to me Ive wrote XXXX XXXX XXXX and Experian I have complained to ftc and police this has been reported for past 5 years nothing
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/25 ( /2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

Hello, my requests to correct and remove false and inaccurate information on my credit report keeps getting denied and/or disregarded. As a consumer, I know I have rights and that very right is being violated with what these companies are reporting on my credit that are not the maximum possible accuracy. It's hurting my credit score and impacting my life negatively.
Product: Checking or savings account

lexington law suppose to help me on a bankruptys they got about XXXX from yrs ago never heardnothing