23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have been using my USAA Visa ( was MasterCard ) for 30+ years with a very good credit rating. Have ALWAYS paid my monthly payments above and beyond what the minimum is. My maximum balance of XXXX was reduced to XXXX via a letter ( XX/XX/XXXX ) in the mail..no warning. The reasons stated why were totally invalid ( one being that my credit score was XXXX, which is still good, and too many inquiries ) I called a rep XX/XX/XXXX to place a complaint as to the real reason why my limit was reduced. I was suppose to get a call back from the escalations Mgr which didnt happen. In the meantime my card got declined 2.5 weeks later because I went over the {$3100.00} limit. I do have 3 other credit cards but this is the only one that I use for purchases. In fact, I have at least 4 automatic withdraws on this card every month to pay bills. After calling back ( XX/XX/XXXX ) and talking to the escalations Mgr, it was more of the same.. '' it's because of the reasons outlined in the letter ''. He finally agreed with me that it was unfair and would have someone else call me within 2 business days. Someone did call me on my home phone ( which is not the phone # I left for them to call me on ) on XX/XX/XXXX at XXXX XXXX CST only to be hung up on when I answered.There is absolutely no reason why this should have happened ( limit being drastically reduced ) and certainly in the way it happened ( ignorance and indifference ). The only thing that has changed for me in the past 7 months is that I retired So, it must be because I am unemployed ... but that doesn't mean that I don't have money in the bank! I understand as a retiree it is harder to get credit. For this reason and the fact that I have used this card as my primary credit card forever I want my balance limit to be at least 10K. And ... I want to know the reason why this happened to me. It very aggravating for this to happen to me after all these years of being an excellent customer.
Product: Credit card

I have three accounts with synchrony bank, or had. Lowes, Amazon, and XXXX XXXX. All of my accounts with them have always been in good standing, I use the accounts frequently and I pay them down or off quickly. 

Amazon had a {$2900.00} limit XXXX XXXX had a {$1500.00} limit Lowes had a {$1000.00} limit These limits were as of mid XXXX after making my monthly payments, and the amount owed on these cards were Amazon {$1100.00} Lowes {$35.00} XXXX XXXX {$0.00} After I made payments on these cards I received letter that stated that they closed my Lowes account because I was no longer credit worthy based on information they received from XXXX. 
A few days later they cut my Amazon from {$2900.00} to {$1100.00} Today my XXXX XXXX was cut to {$100.00} from {$1500.00}. They stated it was " after a review of my account ''. 

My accounts have always been in good standing, all of them. I have never had a late payment. I have always used my account in a manor of the agreement I signed when I opened the credit cards. They quoted I had high balances on the letter I received from my Lowes card. I wont lie I did, and then I paid them off. Most of the information they obtained was not current or accurate. 
Two of the cards that had a high balance according to the the statement they used from XXXX were paid in full at the time they received the information. 
Unfortunately the only person that is damaged by this is me. I do not have a ton of revolving credit, so having my account drop from a total of {$5400.00} to {$1200.00} which is around 78 % is extremely damaging. 

All of my account have been in good standing from the time I opened them. Synchrony basically snowballed my credit into a bad place with out me every doing anything against my contract terms. 

I would rather not attach files due to personal information but I can supply them if needed. Also this is for 3 different account I only had the option of providing XXXX account number but I can provide the rest if needed.
Product: Payday loan, title loan, personal loan, or advance loan

Took loans out on Mobiloans around XXXX and they charged more then XXXX in interest
Product: Debt collection

XXXX XXXX XXXX never billed me for my mortgage payment. XXXX became the mortgage servicer after XXXX filed bankruptcy and has been found to have harmed consumers. 
XXXX XXXX XXXX never entered their name in the foreclosure case ( XXXX City Circuit Court case # 24-O-17-002196 ) XXXX never put their name in my credit report or XXXX City Land Records, but was involved in the foreclosure action of XX/XX/2020 ; but is not in the court docket. 

I had communication from XXXX because the Md. Commissioner of Financial Regulation gave me their name. I wrote letters and called but there was no record of my account. 
I received the first billing on XX/XX/2020. After XXXX  investigated, XXXX sold the mortgage servicing to Selene Finance. XXXX gave Selene Finance a fraudulent Deed of Trust and escrow document. I, the homeowner pay my own property taxes and insurance. It was XXXX that passed the fraudulent documents to XXXX and now the fraud continues. 
Selene Finance is returning my mortgage payments because of fraudulent documentation received from XXXX. I was billed until XX/XX/2020 and there is no arrears according to their billing statement.
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Address that arent me are showing up as well as inquiring that shouldnt be there.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXXXXXX XXXX you both verified this closed account XXXX account XXXX, Equifax AccountXXXX both different account numbers please reinvestigate your verification UNDER 15 U.S.C. 1681 a { e } please give me your verification you must have the information The law is the law and you have to follow the law REMEBER 15U.S.C.1681a { e } enclosed are my documents { 30 day by law } these accounts listed are Closed accounts
Product: Debt collection

Wakefield & Associates aka : XXXX XXXX  - original creditor XXXX  {$610.00} XXXX XXXX XXXX XXXX # XXXX XXXX, CO XXXX XXXX www.wakeassoc.com I have repeatedly contacted both original creditor and Wakefield & Associates on this is a fraud matter. I was removed and now is showing back up on all 3 of my credit bureau reports. I have filed complaints with your cfpb organization back in XXXX  and FTC Identity Theft and local law enforcements.
Product: Vehicle loan or lease

I started paying for XXXX XXXX XXXX on XX/XX/XXXX with a loan through Santander Consumer USA. Cost of loan shows as {$15000.00} interest rate of 22.80 %. Payments are {$410.00} a month - The date of today, XX/XX/XXXX amount owed {$7100.00}. I've tried several times to understand how my car price has hardly lowered? The customer service reps are not able to explain properly since even paying high interest, late fees, etc... .The amounts being charged basically has me paying double for a used XXXX car. Also, the estimated amount to payoff is only {$7400.00} which is good through XX/XX/XXXX. I feel this company has taking advantage of me with the amounts I pay this car should be closer to pay-off. This is a 6 year loan but again the amounts don't add up.
Product: Credit reporting or other personal consumer reports

Dear Equifax, I Need You To Remove These Accounts Asap, I Have Sent Multiple Letter By Mail. I Called And You Said You Haven't Received Them. You Need To Remove These Accounts ASAP.
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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 ante
dates 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: Debt collection

Initial Supposed debt : {$39000.00} XXXX  Have received 10 letters from the collection company, some are date almost a year later after our responses ( I have always responded to their letters requesting confirmation of debt, never have had them confirm the supposed debt )
Product: Credit reporting, credit repair services, or other personal consumer reports

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MYNAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be a claim that constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

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

RE : CARE ACT Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ), Pub. L. 116-136 My name is XXXX XXXX I am filing a complaint on my own behalf I am not a 3rd party or an attorney. I have a few accounts that are showing me 30-60 days late and at the time my income was affected by the Pandemic shutdown. I am aware that the CARESACT was allowing for consumer protection under the CARES Act with creditors offering accommodations. I have on my XXXX XXXX XXXX XXXX ( XXXX LATE XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX LATE XXXX XXXX XXXX XXXXXXXXXXXX XXXX LATE XXXX XX/XX/XXXX ) XXXX XXXX ( LATE XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX ) XXXX XXXX XXXX, XXXX XXXX ( XXXX XX/XX/XXXX )
Product: Mortgage

I am a surviving spouse with deferral rights. My loan servicing is being transferred between Champion ( XXXX ) and XXXX  ( XXXX ). I am caught between the two of the awful companies in trying to get a loss draft check paid to my contractor that did {$20000.00} repair to my home. I have provided Champion my information, time and again, and they always need for me to verify that I am the surviving spouse with the deferral rights. It took me months to gather the information, again, that they needed to pay this contractor. Once I that repeated request was resolved, Champion told me they could not issue a check because my account was being transferred the XXXX. 
I called XXXX- they told me they didn't have the funds and it could take 30 to 60 days to get the funds and then issue a check, The contractor is threatening to sue me! I have called the mortgage company, my attorney has called, my friend and I called together. All I get is sorry - nothing I can do. 
I've asked for an escalation- nope, can't do. I asked for a supervisor- nope, can't do. 
XXXX put me on hold for 10 minutes today. I hung up and called back. This time, after demanding a supervisor the attendant read me their script and then hung up on me. 
I just want the contractor to be paid, and without having to take me to court. They have the funds from the insurance company. The check has been endorsed. An inspection was made on the work.

I need help- please help me get this contractor paid.
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a loan on a car repair in the amount of {$2600.00} through Koalafi as offered through the car repair shop. I opted for the 90 Day repayment with no interest or fees beginning XX/XX/year> and ending XX/XX/year>. I missed the last payment and called today XX/XX/year> to payoff the balance of {$960.00}. 

Koalafi representative told me that because I didnt pay on XX/XX/XXXX, I am now on the 12 month plan and the payoff today would be {$3200.00}!! At the end of 12 months I will have paid {$6000.00} on a {$2600.00} loan!!!! 

Koalafi refused to work out a reasonable payoff.
Product: Credit reporting or other personal consumer reports

I am contacting you because I have found some information that is inaccurate on my credit report. 

The date-of-last-activity and date opened you are reporting for these accounts are inaccurate. I request that you verify the information and remove any inaccurate information from my credit report as quickly as possible. The items in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  After doing so please provide me with an updated credit report reflecting the changes
Product: Vehicle loan or lease

This company is a SCAM. they took advantage of me and i didnt explain the DAILY interest rate. Ive tried to figure out a bette repayment plan but they are refusing to help in any way. They are very rude and disgusting people who constantly hang up on you and dont offer any help.
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX and I am writing to delete the following information in my file. The items I need to be deleted I listed below in the report I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my report. 
I reported the theft of my identity to the Federal Trade Commissions and I have enclosed copies of the Federal Trade Commission Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Debt collection

Tri-State Adjustment Inc. a collection agency located in Wisconsin is reporting a debt to the collection bureaus that is not mine. I have written them requesting them to validate this alleged debt to be mine and to remove this item that is being reported to both XXXX and XXXX credit reporting agencies. They only respond with continued threatening and harassment notices.
Product: Checking or savings account

Had an overdraft amount with 5/3 Bank. Paid the amount in full in XX/XX/2017 and still is showing up on my XXXX XXXX, causing issues.
Product: Credit reporting or other personal consumer reports

In accordance of 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 XXXX XXXX XXXX XXXX  XXXX has violated my rights. 

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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

Inaccurate information and unverified information on my reports the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I put in my original complaint XX/XX/23 and after 30 days i put in my second complaint because it had been over 30 days it had been 32 days to be exact on XX/XX/23 and two days later XX/XX/23 the company relied to my original complaint. On XX/XX/23 that made 34 days. Once i replied and point out that 30 days was up and everything must be deleted they said they need more time and they will respond back within 60 days. THAT IS AGAINST THE LAW! 
15 U.S. Code 1681i - Procedure in case of disputed accuracy Cleary states conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

They respond at 34 days putting them past the 30 day window and they did not record the current status of the disputed information. Both are against the law and violations!

According to 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( B ) Extension of period to reinvestigate Except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. Only additional times is added to a dispute if a person adds new in formation to the original dispute and in that case the company gets a extra 15 days which makes 45 days not 60 days! In this case i did not add new information! I put in a second claim once the 30 days was up letting them know 30 days was up and what had to happen next according to the law! ACCORING TO THE LAW YOU ONLY GET 30 DAYS! 

Complaint XXXX XXXX XXXX XXXX
Product: Student loan

MOHELA engages in call deflection which is what they call their deliberate strategy to make sure it is difficult to speak to a real human being. They design their system to force you to wait on hold for hours before speaking to someone. If you do end up speaking to someone, they often give false and misleading information with no written records of the conversation to prove that you were just following their bad advice.
Product: Credit reporting or other personal consumer reports

This address and inquiries below that are showing on my credit report are fraudulent and needs to be removed immediately off all my credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Inquiry date XX/XX/2022 XXXX XXXX  Inquiry date XX/XX/2022 XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/2022 XXXX
Product: Mortgage

I have an LTV of < 69%, and >12 months Clean Payment History. I requested my escrow account waiver for 4 months, with many different responses to why my request was denied. Each time, became much more difficult to request the waiver. It leads me to believe they purposely were trying to hold my funds for their own interest, which is disheartening. When I would call back to request status, I would get different responses. Upon request, I re-sent my request to the subservicer,  XXXX ,   XXXX  , who was going to re-process my request for the waiver; however, when I called back on  XX/XX/XXXX , they demanded I resend in a new request. This was the first time I was told I did not have to re-fax it in to them, but they did let me know, that I still needed to make my full PITI payment. At this point, I believe that Franklin American is being difficult because they don't want me to self-administer my own taxes and insurance. This is very poorly viewed from someone who has never missed a mortgage payment, ever.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 

XXXX  XXXX Bankruptcy Case Number : XXXXXXXX XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX  Account Number : XXXX has violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.