23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have two capital one credit cards. My credit limits were XXXX and XXXX respectively. I was carrying larger balances month to month than I was comfortable because they made my apr 30 %. I took a personal loan against my own XXXX and used to pay off thousands of dollars on these two cards. 20 days later, they lowered my credit card limits by XXXX and XXXX dollars. I was not aware until I made small purchase at XXXX and was alerted I went over my limit. Not knowing they had reduced my limit without telling me in app or phone, I was shocked. I then saw they had reduced my card limits, I then also checked my credit scores, and by Capital One unilaterally lowering my total credit by XXXX my credit score was significantly negatively impacted. 20 days earlier, I had paid {$2500.00} and {$3000.00} dollars on my credit card to reduced my debt and lower the huge monthly interest charges. Capital one was perfectly happy raking me over coals collecting hundreds of dollars a month in interest, they never lowered my limit here, but as soon as I paid off most of my debt they punished me by lowering both of credit card limits. This in turn lowered my total credit and hugely negatively impacted my score, which makes it harder to get a job, a house or a car. THEY PUNISHED ME FOR PAYING OFF MY DEBT! Their in app customer service ai chat is not helpful, when I finally XXXX and got a customer service line they refused to say why this was done. This is predatory lending!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 an account without my written instructions.
Product: Debt collection

Upon reviewing on my credit from XXXX credit report I have notice multiple fraudulent accounts was open under my credentials and personal information that has resulted in identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a new truck on XX/XX/2020 I told the dealer who I was getting my financing thru and I have several hard inquiries on my report I contacted XXXX  XXXX XXXX XXXX and I talked with XXXX and I explained they did not have permission to pull my credit they said the dealer had to remove the inquiry I told him the dealer did not put the inquiry on my credit and he hung up the phone on me
Product: Credit card or prepaid card

I had an open case with Lowe 's XXXX I made in XXXX. At the end of XXXX I received a letter from them on this case saying the reason it took so long was because it was under someone else 's name. I did get the printout and on the print out it said pick up later. I didn't pick these things up. I tried to call them on the number on the letter and I left three messages for them to call me back to discuss this. They failed to call me back even though the message said I would get a call back within 48 hours. the last call I made to the dispute department was a week ago and still no call. 

I didn't pick these things up, My question to them was it the person that they had listed on the purchase order that they mistakenly gave the products to? I never received a call to see if I had picked everything up, Did they perhaps call this man who was listed and ask him if everything was picked up and that is why they closed out the order and just put picked up and completed? 

Their failure to contact me and that it took over two months for them to investigate is very telling.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' XXXX XXXX XXXX Balance details 0 % paid off Balance {$4500.00} Balance updated XX/XX/XXXX Original balance {$4500.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Education Payment summary XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Open/Never late. 
Status updated XX/XX/XXXX Original balance {$4500.00} Monthly payment {$0.00} Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms XXXX Months Company sold - Original creditor - Comments- Your statement **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Contact info THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.

RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I mailed XXXX, XXXX, and Experian to investigate false and misleading information they are reporting to my consumer report.I need proof that an investigation was done. I asked for YOU to provide me with the following information. Who validated the alleged debt, time and date the investigation took place. and all evidence of alleged debt. I would like to the name and address of the original credit. They have fail to provide me with any proof that I owe the alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been a Usaa client from since XXXX. I've never missed a payment or been delinquent on any of my credit cards I have 4 to be exact I've had credit cards since XXXX when I was XXXX. I've always been responsible. My credit card limit was {$3900.00}. I paid off the account in full it wasn't easy due to experiencing a total lost of our home in hurricane Maria last my sister died the same week & also divorced. It took everything in me to payoff but it was my highest credit card & I wanted to improve my credit score. I thought someone scammed me because I called my card to make another payment because I made a few transactions & on XX/XX/XXXX they decreased my account from {$3700.00} to {$2700.00}. Not only I'm I hurt I'm confused & I don't know why my credit card company would do this to they're Loyal Client. I was not notified nor was I contacted from them about the decrease which is unprofessional & I feel it is illegal because they call for everything else I trusted them for years.
Product: Debt collection

I'm a XXXX year old retired XXXX XXXX Veteran. As a proud Veteran, I humble myself seeking help for a legal battle stemming from an illegal foreclosure while suffering a XXXX. When I wear my military hat, people come up to me and say " THANK YOU FOR YOUR SERVICE ''. Three foreclosures on the same property and with the same account have been documented. Now I have until XX/XX/2018 to pay a lump sum of {$18000.00} into the registry or be homeless. My legal rights in the XXXX County court system were violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted TransUnion and was unsuccessful with help. Under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with PROOF that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Westlake Service XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX DBA XXXX XXXX, XXXX XXXX bank, XXXX XXXX all inquiry I have no knowledge of can you please remove this from my credit report
Product: Credit card

XX/XX/year> was the 4th time this happened where someone hacked my online account for Macys. There was email sent to me that my information was changed in my online account. I called the credit company and all they wanted to do was make me make a new account and close my credit card. I asked to have all my information on my account changed back to what is mine and they said I need to make a new profile. I think looked into my online account and see the persons phone number, address, and name. I asked what they do and was told they close the card and make a new profile. I asked to have my account closed because I feel they don't do the job they should do protect their customers information. I have the persons information but not sure where I can report that or if you can get the information from me and report it. I have made a complaint on Macys website and the customer service members made one.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent a letter regarding inaccurate and unknown things on my credit report.To this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section .611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. it has been over 60 days so they should have Been deleted promptly. I demand these accounts deleted immediately or I will file for litigation due to the stress you caused me. my information was also impacted by the XXXX date breach and may have got into the hands of the wrong person.
Product: Debt collection

They call 8X a day from various phone numbers and various area codes. I told them to stop yet the calls keep coming in.
Product: Debt collection

On XX/XX/year>, I received a pop-up text message from XXXX XXXX that my accounts were overdrawn. I contacted XXXXXXXX XXXX  at their XXXX number and spoke to a XXXXXXXX XXXX XXXXepresentative that stated there was a legal hold placed on my account and my funds were locked. 

The XXXXXXXX XXXX  Representative transferred my call to another employee at XXXX XXXX Legal Holds and Levies Department. I then spoke to the Representative in XXXX XXXX Holds and Levies department that informed me that he have information to place a legal hold on all my accounts, ( these also include 2 of my grand children accounts ). He also stated that XXXX XXXX  does not have any legal documents and to contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX for the documents. 

I then contacted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and spoke to XXXX XXXX XXXX XXXX sent me these documents via email : Default Judgement, Order Appointing Receiver, and a Letter from XXXX XXXX XXXX. Prior to this I did not receive Default Judgement, Order to Appear in court or any type of legal document. 

I was never served for a default judgment for a XXXX XXXX XXXX XXXX. 

This legal hold was placed illegally without service and notice to me. To date the funds in my XXXX XXXX  account are still locked and I do not have access to my funds.
Product: Debt collection

I am a victim of identity theft .This collection agency is not only reporting fraudulent account but also aware that is account is fraudulent in deed. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. They keep verifying this fraudulent account and are not reporting to my dispute. I have never had any goods or services with them or their affiliates they are knowingly and willingly reporting this fraud. They have caused me great damage and embarrassment also with emotional distress. They dont respond to my disputes and keep verifying this fraud to the credit bureaus. 

LVNV FUNDING / XX/XX/XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX FIN XXXX Balance : {$620.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

XXXX is trying to collect a XXXX payment and I have not had the service since 2012. It was a attempted charge because of the fact I refused to sign another contract for phone service. I sent a letter to explain and did not hear from them again until this surfaced last week from Convergent Outsourcing at XXXX. They have also damaged my credit by reporting it last to the credit report companies. I am over XXXX years old and they are abusing, and ruining my excellent credit.
Product: Credit reporting or other personal consumer reports

Per the FCRA as a federally protected consumer I am now OPTING OUT of Any and all AUTHORIZATION, I the consumer may have given you written, unwritten, verbal and non verbal Per usc 6802 and the privacy act of 1974. 5usc 522a. 
Given notice to these companies Transunion XXXX, XXXX, XXXXXXXX XXXX and all other 3rd party reporting agencies. Legal litigation will take place if no action is taken. 
Thank you XXXX XXXX ( consumer )
Product: Credit card or prepaid card

Dear Sir, today I received one message my Home Depot credit card credit limit got down from {$5000.00} to {$2500.00} Whats reason they deducted my credit limit {$2400.00}? I think they made unfair decision against me which is harmful for my credit history. Please take necessary action urgently and let me know. Thanks!
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Debt collection

Earlier this year Caine and Weiner could not find an account in my name. I disputed after I found out it was on my consumer report. I never received any documents from this collection agency. As of today I saw a notice it was placed on my XXXX account. Once again I was notified by mail or phone call. They just placed this on my consumer report. After multiple attempts for the credit bureaus to have this removed because they never informed my by mail or phone to give me a chance to dispute the account. I am requesting you tell the credit bureaus to delete that account because they are in violation of my consumer rights. They need to be fined for these placing inaccurate information on my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021, XXXX updated that my account was closed ( see attached ). I thought they had closed my account as a result of me consulting a lawyer to request that i exit the contract based on deception on their behalf. Therefore, I thought that this account was closed and XXXX had stopped collecting. However, on XX/XX/2021, XXXX reported to the credit bureaus that I was 30 days past due on this account. This was highly confusing and misleading since they had reported that this account was closed. Thus I made a payment to bring this current up to date. I am submitting a dispute on my credit report on the basis that this account is reporting closed at one of the credit bureaus but yet XXXX is still collecting and also on the basis that the balance is incorrect, because this account is now current. I have attached all of the supporting documentation to support my claims above. A fair resolution is for XXXX to stop collecting since they reported that this account was closed or if they can't do this, then to bring this account up to date as current due to misleading the customer into believing the account was closed by reporting this on my credit report and that they had stopped collecting. A fair resolution is for XXXX to stop collecting since they reported that this account was closed or if they can't do this, then to bring this account up to date as current immediately due to misleading the customer into believing the account was closed by reporting this on my credit report and that they had stopped collecting.
Product: Credit reporting or other personal consumer reports

Since XXXX of XXXX I have disputed the inaccuracy of the XXXX ACCOUNT reporting inaccurately in numerous areas. As of today the most recent inaccuracy that has reappeared is XXXX ACCOUNT is reporting as an " OPEN '' account. XXXX has been a charge off account since XXXX and should and has been reporting as " CLOSED ''. This erroneous continued mistake has ruined my credit. 
It is reporting differently on each of the 3 bureaus.


According to FCRA and USC CODES, I demand that equifax remove this account. I have allowed EQUIFAX more than 6 months to provide where, who, how and when the information they are reporting came from. Someone has to be accountable including EQUIFAX FOR CONTINUING TO REPORT THIS ACCOUNT.

I HAVE ATTACHED PHOTOS OF VARIOUS BUREAUS AS OF TODAY REPORTING ERRONEOUSLY AND DIFFERENTLY AS IT CONCERNS THIS ACCOUNT.

EQUIFAX HAS BEEN SUED AND HELD ACCOUNTABLE FOR MATTERS SUCH AS THIS AND I AM JUST ANOTHER VICTIM OF EQUIFAX NOT DOING INVESTIGATIONS AND JUST REPORTING ANYTHING AND ALLOWING ANYTHING TO BE REPORTED ON THEIR BUREAU. 

I DEMAND THIS ERROR AND ACCOUNT BE REMOVED WITHIN 4 DAYS. 

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

I had a car loan with the company Mid West Acceptance. The vehicle I had I traded it in a a dealership for a new vehicle XX/XX/2014. Mid West Acceptance Marked me late on my payment for A payment when I no longer owned the vehicle. I spoke with a supervisor at Mid West Acceptance and he stated I got a late payment on my credit because of the dealership I traded the vehicle into.
Product: Debt collection

I have identified several accounts on my latest credit report that I believe are inaccurate and were added without my authorization.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX/2024 XXXX Try to contact company no response
Product: Debt collection

Medcah is repeatedly calling stating unpaid debt without contacting my insurance. 

I have talked to XXXX and they confirmed MEDCAH INC. has not contacted them at all. 

The lady on the phone was rude and dismissive and unhelpful. 

I emailed MEDCAH the following based on XXXX guidance : I contacted XXXX They said you did not contact them in regards to this claim. Fax them the claim at XXXX or mail them at : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX. 

I have zero patience left.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX Phone : XXXX ( XXXX ) XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Whom It May Concern : I was reviewing my credit report and found several addresses that appear to be incorrect. I have attached documentation providing proof of my current address, as indicated on your website. 

To facilitate the removal process, here is a list of incorrect addresses I currently see in my report ( which I would like to be removed ) : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX There should only be one address in my report, which is : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 

I also noticed that my name appears to be misspelled on my credit report. My name has only one correct spelling and there should be no variations listed because my name does not have any variations. I have attached my photo ID to show the correct spelling. 

Once again, to facilitate the removal process, here are the incorrect spellings I see in the list : XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I request the removal of the incorrect employers listed below : XXXX XXXX XXXX XXXX XXXX The only job I need listed is : XXXX XXXX XXXXXXXX XXXX Therefore, I kindly request that you delete this negative account as I am facing difficulties in ensuring my report is clean in the best possible way in order to continue with my legal process. 

Once the incorrect names, addresses, and employers have been removed from my credit report, please send me a copy of my updated credit report. 

Thank you for your attention and assistance in resolving this matter promptly. 

Sincerely, XXXX XXXX XXXX