23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, This complaint is regarding XXXX XXXX XXXX and their Class Action Settlement for Predatory Lending with Multiple States last year in XXXX. Within this settlement, it states that XXXX agreed to relieve loans and help repair the credit of individuals affected by their predatory lending practices. This was for auto loans placed between XX/XX/XXXX through XX/XX/XXXX. 

This auto loan has caused significant damage to my life, living situation and being able to take care of my children. Although I've received communication from XXXX that I am included in the settlement, XXXX continues to report harmful inaccuracies to my XXXX and Experian credit reports. XXXX still calls to collect on the debt that they report as charged off and late every month. 

XXXX took advantage of my desperation and ignored the debt to income ratio locking me in an upside down loan from the start. I'm suspicious that the dealer may have potentially manipulated my application unknown to me. Putting me in this horrible situation. Now this has been 4 years of not being able to get credit, a home or progress so my children can have a better life. I am in college and working towards a better life and this is severly affecting my small family. 

XXXX and Experian are both reporting completey different things for the XXXX XXXX account. It's harmful and defamatory to my credit profile. I have reached out to XXXX several times with no resolution from them. They report different names for original creditor, dates and most of the information. They report that the account is charged off and report late payments every month. Life is HARD when you can't get basic credit. 

The only fair resolution is for XXXX do what they agreed which is to relive the loan and the XXXX XXXX account be deleted from all the credit agencies and bureaus. I also ask that all collection efforts cease and this account not be sold or transferred to any other collection agencies or debt buyers. 

Thank you in advance for your timely assistance in this matter.
Product: Checking or savings account

On XX/XX/2020 I authorized Progressive to charge XXXX on Wells Fargo Credit Card account to make a Small Business Payment to use to save up equity in buying a new apartment. The amount of equity my Small Business $ $ XXXX $ $ made in the transaction was {$250.00} dollars per month for the year 2020. On XX/XX/XXXX I was to close on the Real Estate property I was renting but due to the Pandemic the property never closed. The business I introduced to to the world was a small XXXX XXXX XXXX that was basically built from the ground up. The company struck Gold on XX/XX/2020 and was ready to help with the Pandemic at moments call. In the short run of it all my small business $ $ XXXX $ $ as a Vendor was never given the contracts to supplement the support given to other Vendors inside the Pandemic to support the worldwide efforts to eradicate the virus probably due to business structure not winning the bid contract disputes In the meantime, my business was left stranded on the side of the road and the $ $ XXXX $ $ commercial vehicle was broke down and would not be fixed due to COVID-19. I set aside {$800.00} dollars on Wells Fargo Credit Card to fix the commercial vehicle. The car was never fixed. Personally, I spent days and months in the Pandemic without my home office and rental property and was left with a Abandoned vehicle. 
In XX/XX/2020, I found another rental property to close on and was evaded again on what I thought to believe was time to make the first rent payment. XX/XX/2020 deadline was given to rental landlords to give renters time to make rent. A new car was purchased to replace abandoned vehicle that was never fixed due to COVID-19.

I never made a single rent payment in 2020. I no longer have my commercial vehicle. My initial {$250.00} in Equity was never granted as a result of the Pandemic. I made a {$900.00} payment to Wells Fargo to go towards the XX/XX/2020 rent complaint. I know eviction can be hard on society and the people involved but this was not an eviction this was a Vaccine on Demand and let everyone suffer from the Market Crash of XX/XX/2020. 
Wells Fargo reversed the {$2600.00} but I never witnessed the commercial vehicle fixed after spending 5 days in a Hotel in XX/XX/2020. I also never saw the rent paid after the lease was signed after a seven month waiting period on a delivery that should of been closed XX/XX/2020. 
I no longer am able to use a Wells Fargo Credit Card that that once had available credit as of XX/XX/2020.
Product: Credit card

I have several credit cards issued by Synchrony Bank. Sychrony has reduced my credit limit on now a 2nd card and it is sending my credit score plummeting because it shows I am using 96 % credit use on the card. I did not receive any notification of this change and/or why. When I called synchrony, they gave me reasons written in the report, but none of it is correct information for me. 

Between XX/XX/XXXX and XX/XX/XXXX - Sychrony decreased my Amazon credit from {$580.00} to {$230.00}. Which put me at 93 % usage On XX/XX/XXXX, Synchrony decreased my credit limit from {$10000.00} to {$2800.00}, which put me at 96 % usage This is a domino affect and I am afraid that they will soon decrease limits on my other Synchrony accounts but I haven't been notified as to why.

My credit score it good, not late payments, in good standing, and my report is frozen so I don't even know how they could check my credit to come up with the reasons why they decreased my limit
Product: Checking or savings account

I have opened a checking account with Captial One in XX/XX/2019. I have funded the account with several {$10000.00}. In addition, my pay checks go into this account ( about {$10000.00} per month ).  Despite these funds, Capital One does not allow me to use my account to transfer money to external accounts, i.e. accounts that are not registered under my name. I have called Capital One and they told me this is because my account " has not stabilized '' yet. They were unable to tell me what " stabilized '' exactly means ( given that I have sufficient funds on my account ) and when I will be able to make payments to external accounts. 

I am of the view that I should be able to use my bank account to transfer money - I am talking about money that is present on my bank account, i.e. not any money that I don't own - to external bank accounts. What else is the purpose of having an online bank account?
Product: Credit card or prepaid card

today ,XX/XX/2020, I received a notice from Comenity that my interest rate on new purchas es was going up to 2424 % from my XXXX statement rate of 14.24 % .I feel that this is an immoral and unjust increase.
Product: Money transfer, virtual currency, or money service

on XX/XX/XXXXI opened an account with Coinbase to purchase digital currency. {$4000.00} was moved to coinbase which I then purchased XXXX. A few minutes later my account was closed by coinbase for no reason. Now I cant access my account and the money was taken from my bank account.
I 've called them over 20 times, but no answer and they just hang up. I 've also send over 10 emails. 

I need to have acces to my account to transfer the coins. Right now they are holding my money and not giving me access.
Product: Mortgage

The responded to my first complaint on XXXX. This response was not satisfactory. I followed up on this complaint XXXX, still not response. The company provide the follow for this request. " For LNDR PAID EXP DISB please provide a complete description for what these disbursements are for, description of services provided and to whom the payment was made. '' the company provide the following.

Corporate Advances The following fees have been assessed to the account due to the foreclosure action. These are fees paid to external third parties and will not be waived or refunded.

Sheriff Costs {$2000.00} Foreclosure Fee {$1900.00} Title Examination {$230.00} Posting Costs {$1000.00} Total {$5200.00} I have requested payoff statements and I have 3 conflicting statement. The company stated that the payoff statements that they provides may not reflect the actual amount owed, and when you call them they state the amount provided may not be correct.
Product: Debt collection

The debt amount of {$570.00} was originally from Credit Card company " XXXX XXXX. '' In my credit report it appears as if I owe the debt to LVNV Funding LLC. The original debt was with the initial lender. The account got sold to LVNV Funding LLC and I have no obligations with them, other that they just having a balance in my credit report that is harming it. 

My obligation of paying the debt was with XXXX XXXX not with LVNV Funding LLC.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a late showing on my credit report for XXXX XXXX. I would like this late to be investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was contacted on XX/XX/2021 in private number. They stated they were a XXXX XXXX representative inquiring about me opening an account and then also letting me know that they're going to shut the account down because of a company called early warning systems who continuously provides negative inaccurate information about me. Number two I have opted out of all shared information partnerships. I was told that early warning systems has provided a negative report against me to XXXX XXXX XXXX and XXXX XXXX. 
This is unacceptable this is a violation of my rights and privacy and illegal I currently have an open XXXX XXXX account. They're going to shut it down because of information that were early warning systems continue to give. 
I have called early warning systems as early as My at 2021 and as recent as XX/XX/2021. 
I have been required to make an account just to get a credit report and I'm still waiting for the credit report from when I requested it back in XXXX. The three credit reporting agencies XXXX XXXX and XXXX none of them have any Bank on my credit file. The only two items on any of my credit reportings are for XXXX and XXXX XXXX. Early warning has gone and caused so much that I can't get a bank account anywhere I can't get a stick of bubblegum financed any bank accounts that I have set up are all shut down any Financial activity I try to do to repair or fix anything that will early warning signs is done is denied because of the size of the fraudulent risk on my account presumably because of early warning. Please urge or require them to remove all account knowledge base activity from their system they're not authorized nor did I ever give them authorization finally they're not a credit agency they are a shared consumer reporting group which I did not authorize. 

Furthermore more than once I have tried to dispute any transactions with early warning and again although they have never given me a report they require in order to dispute a transaction I report must be delivered yet they don't give me the report. Again this has been going on since XXXX of 2021 it is well past the 30 days that's allotted by the government for them to remove any disputes or negative items against my credit that they can not prove please urge them to do so. 

Please help!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX XXXX XXXX Date : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Experian Dispute Resolution Team, I hope this letter finds you well. I am writing to formally dispute inaccurate information listed on my credit report and to notify you that these ongoing issues with erroneous data have not been resolved despite my previous efforts. Specifically incorrect account, a late payment notation that was never late, or an account that does not belong to me. 

I want to bring to your attention that the Consumer Financial Protection Bureau ( CFPB ) has filed a lawsuit against Experian due to failures in accurately handling consumer disputes and ensuring the accuracy of credit report information. As stated in the CFPB 's lawsuit, Experian has been found to not have properly investigated disputes and often failed to remove or correct errors in consumer credit files. Unfortunately, my experience reflects these ongoing issues, as my disputes have not resulted in the proper correction of the inaccurate information on my credit report. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I request that you conduct a full and accurate investigation of the disputed items. I also expect that you promptly update or remove any inaccuracies found and provide me with the results of your investigation in writing. I have included all supporting documentation that substantiates my claim for your reference. 

Please consider this matter urgent, as inaccurate information is negatively impacting my credit score and, consequently, my financial well-being.

I look forward to receiving written confirmation of your investigation and the correction of my credit report. Please respond to me at the contact details listed above, and do not hesitate to reach out if you need additional information. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX ( ssn ) XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX XXXX Closed : XX/XX/XXXX XXXX XXXX Closed : XX/XX/XXXX Attached is the settlement letter from XXXX a collections for XXXX also XXXX. I reached a settlement last year with XXXX, paid Taxes as a earned income last year as well. I have tried to over and over to reach XXXX to remove account from Credit Report with no luck, this is a sister company to XXXX. XXXX has sent me letters showing account closed XXXX of XXXX Can send these in as well once I get them scanned.
Product: Debt collection

The debt was removed from my credit report on XXXX XXXX. ERC a company which i have never heard of took over the account with a start date of XX/XX/XXXX. I have never received a phone call, letter, or an email from them stating that they brought the account. my last payment on this account was in XX/XX/XXXX which would have been the last payment and the reason it was a " removed collection ''. i have a valid debt from a company that followed the debt collection procedure and i acknowledge it, but i have never heard of ERC and i wish this to be investigated. i have copies of my credit report and XXXX XXXX was the last company that handled this and the company that removed the collection.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 or other personal consumer reports

This is NOT a fraud complaint. Do NOT place a fraud alert in my credit file. I have challenged the reporting of a bankruptcy on my credit report 5 separate times on XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, and XX/XX/23 ( cfpb ). ( A copy of the letter is attached ) I demanded every document they have in their physical possession on each of those dates. This demand was made pursuant to the FCRA 15 UCS Section 1681g. They were specifically asked not to merely state that is has been verified as this is not compliant with the law. This must be done in Metro 2 Format reporting. In the event they did not have any documentation in their physical possession as of the date of these demands, under the Fair Credit Reporting Act Section 1681 ( i ), ALL unveried accounts must be promptly deleted. Moreover, I disputed the validity of each of the bankruptcy, under Section 611 ( a ) ( 5 ) ( A ) ( i ) of the Fair Credit Reporting Act. If they do not have any documentation in their les to verify the accuracy of these disputed accounts, they are required to delete them immediately. Failing to do so is damaging my creditworthiness and reputation. I demand the bankruptcy be properly verified with physical documentation and in Metro 2 Format reporting ( and not just verified through a 3rd party ) or it MUST be removed immediately. Experian data furnisher is XXXX XXXX. XXXX XXXX sent a letter stating that there is NO verifiable Bankruptcy on its data file and removed. They also initiated several disputes trying to communicate to Experian, yet Experian failed to respond to any of them their dispute request. The letter clearly states as such and it indicates that Experian is literally ignoring the information forwarded by its only data furnisher. Experian uses NO other data furnisher, and it clearly states that on their report. 

I demand that Experian send any and all physical documentation from the court and not merely state verification by a 3rd party as this is not in compliance of the law. 

Failing to do so is damaging my creditworthiness and reputation.
Product: Credit card

On XXXX I received my monthly statement and noticed they reduced my credit limit from XXXX to XXXX. I am currently in a special free interest until XXXX. My balance is XXXX. I called to ask why and what triggered this because I have never been late with a payment they stated it part of the terms. O have had this card since XXXX  and never had this happen but I was never in a free interest program for a purchase either. I checked my credit and no inquiry was done by the company so it appears they reduced the limit so if I don't pay it by the end of the special program they can then charge me over the limit fee.
Product: Checking or savings account

B of America refused to close a debit card account and would not provide me escalation path.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I'm filing this complaint with the Credit Bureaus because I believe the account below that is posted on my consumer report is a fraudulent account. I have no recollection of opening an account with XXXX XXXX XX/XX/XXXX. I tried disputing this with them to get more information on this account but they did not disclose any information to me. The account number is below. 

XXXX XXXX XXXX  - acct # XXXX I've filed an identity theft report with the FTC and that report is attached below. I ask that this information be removed from my consumer report immediately because it is a fraudulent account.
Product: Credit reporting or other personal consumer reports

Account number XXXX Credit limit {$500.00} Open/closed Open Date opened XX/XX/XXXX Account type Credit card This account is not being reported to XXXX or transUnion Account number XXXX Credit limit {$8200.00} Open/closed Open Date opened XX/XX/XXXX Account type credit card This account is not being reported to XXXX or transUnion Account XXXX XXXX Credit limit {$21000.00} Open/closed Open Date opened XX/XX/XXXX Account type Credit Card This account is not being reported to XXXX or transUnion Account number XXXX XXXX limit {$20000.00} Open/closed Open Date opened XXXX XXXX, XXXX Account type Charge Card
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX 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. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, someone applied for a credit card in my name. After I cancelled the fraudulent application, I placed a credit lock/freeze and credit alert at all three credit bureaus : XXXX, XXXX, and Experian. On XX/XX/year>, I was notified by a previous bank, my XXXX credit monitoring, and XXXX XXXX that there was another hard inquiry on my credit report due to someone applying for another credit card in my name. I did not receive any notifications from XXXX, XXXX, or Experian. I contacted XXXX about the issue and they confirmed that my credit was frozen and they admitted to never experiencing a case where someone was able to bypass the credit lock. They were not able to tell me how the credit lock was bypassed. I later learned that there is XXXX credit union called XXXX, but that is not ever mentioned. I have now locked my credit there as well.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIANXXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, the first letter was sent to the credit bureaus XXXX, XXXX, and Experian regarding the bankruptcy that is reporting. After several letters, I still can not get the appropriate response on how this information was obtained. When I contacted the XXXX XXXX  that is on the credit reports, the XXXX XXXX  wrote back and stated that no information is EVER sent to the credit bureaus, and is unclear how they received this information. After many letters after, I still can not get the proper actions from these credit bureaus
Product: Credit reporting

On XX/XX/XXXX, my husband and I sent the attached investigation request to Equifax. Over two months have passed, and we have yet to receive a response from Equifax, despite multiple follow-up attempts.
Product: Credit reporting or other personal consumer reports

This is my seventh endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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