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

In XX/XX/2020, I made a purchase for roughly {$12.00} on my XXXX credit card. Shortly thereafter, I moved to my parents ' home for a few months to help them during the early stages of the COVID-19 shutdown. At this time, I did not receive mail bills, and the email bill of my statement for my XXXX XXXX through XXXX XXXX   were sent to my spam folder of my email inbox, as I had not made a purchase on this card in a significant period of time. 

When I returned to my home and, I noticed that I had received the item and realized I had not made a payment on this account or received a bill. At this time, it was XXXX. I searched through my spam and finally found the billing statements, and made the payment immediately, including the late fees, which totaled roughly {$90.00}. 

XXXX reported my delay in payment to the credit bureaus, and the long delay caused a significant decline of more than XXXX points to my credit score. For this decline, my credit cards at Huntington Bank, which are completely unrelated to my XXXX XXXXXXXX card and for which I have always made on-time payments and had low utilization, were also decimated. 

Over the XXXX XXXX holiday weekend, without any notice, my credit limits declined to 10 % of their original levels, and between two credit cards I now have {$150.00} and {$250.00} limits. Multiple transactions were declined and I was sent into a tailspin, panicking that I had fraudulent activity on my account. I could not reach Huntington customer service due to the holiday, but as soon as I could I called customer service, and set up multipel appointments at my local bank. The banker I spoke to at Huntington was shocked at my unrealistically low limits, saying he had never seen anything like this and didn't understand the change, but could not change it for at least six months. For reference, when I was a senior in high school, I had a limit of {$2000.00}, and I am now a XXXX at a large company. Huntington refused to increase my limits, rendering my cards effectively useless and making it very difficult for me to rebuild my score, as purchases would raise my utilization, further hurting my credit score and creating a vicious cycle. 

I was denied a new credit card at XXXXXXXX XXXX because my credit score is now below XXXX, a level it has never been in my life. 

I have reached out to XXXX in an attempt to remove this item on my credit report. I have reached out to the credit bureaus to dispute this item and to provide explanation. I have tried to work with Huntington to find resolution to their unfair and dramatic decline in my limits, but was told I have no available options. 

I am now trapped in a cyclical issue where I do not have enough of a credit limit to rebuild my credit, no way to get a new credit card to expand my credit, and no option to resolve my prior issue, the only late payment I have ever made on any credit card throughout my credit history.
Product: Credit reporting or other personal consumer reports

Hello, I am XXXX XXXXXXXX XXXX and have XXXXXXXX XXXXXXXX XXXX  address. I have made over XXXX disputes this year with Equifax and requested that they correct my address to below. Each dispute, they acknowledged the problem but never corrected it. 

I have mailed them a copy of my personal documents and they have no excuse to not correct it. 

I need my address corrected as below : Old and Incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX New and Correct XXXX XXXX XXXX XXXX XXXX XXXX XXXX I will list below the Equifax dispute confirmation numbers received just from this year. Please note I have XXXX more disputes made in the last year of which Equifax simply decided to ignore. 

Equifax XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Each phone call to Equifax takes about an hour and They had me waste more than XXXX hours on this simple request so far and this is unacceptable by any standards. 

Thank you for your assistance in advance.
Product: Debt collection

I am writing to dispute the late payments listed on my credit report. I have carefully reviewed the information, and I believe there are inaccuracies that need to be addressed. 
XXXX XXXX XXXXXXXX Upon reviewing my credit report, I noticed discrepancies related to the reported late payments. I have always been committed to meeting my financial obligations promptly, and I believe there might be an error or misunderstanding in the reporting. 
I kindly request a thorough investigation into this matter and the prompt removal of any inaccuracies from my credit report. 
I understand the importance of accurate credit reporting, and I trust that your investigation will lead to a fair resolution. I appreciate your attention to this matter and request that you provide me with updates on the progress of the dispute.
Product: Debt collection

Previously this company threatened and reported this to the credit bureaus and hurt my credit score.

However, on contacting CFPB, they since rescinded the complaint from the report. But still my credit score has not gone back up to where it was before. Also, there are banks and credit card companies that have since looked into my credit history. This has additionally hurt my numbers and credit outlook. 

After CFPB report, then sent me the details of the debt by US mail. This debt as it shows is from XXXX XXXX XXXX. When I left the hospital the agreement was that this amount is written off. However, when I called the people that worked there in XXXX are not there any more. Now they are telling me. that I owe and since it is old they can not help me!!! 

I have been calling Account Services, the debt collector to come to some understanding. I have left several messages over last few weeks from Mid XXXX onwards and finally left two messages today, XX/XX/XXXX, and got a call back. 

Told them that I am a retired XXXX year old, with XXXX  hurt in an accident. I am unable to work much and I don't receive any benefits. Income I have barely meets my rent etc. I told this to a Ms. XXXX XXXX and asked her how she can help me. 

Told her that I have saved {$250.00} for XXXX XXXX and there may be another {$100.00} to {$150.00} in savings. As I want to get rid of this  XXXX which is causing my intense XXXX  and XXXX, I wanted to reach some agreement. But she wants to put me on a payment plan. Told her that my income barely meets my expenses and that this savings of {$350.00} to {$400.00} will also be gone if they can't accept. 

She said that I will be reported as not interested in paying the debt back. This sounds like threatening to me. They will again hit my credit. 

Please help me reach some understanding with this company so that I can left in peace to attend to my life and my issues. 

Thank you very much. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2020, I sent a letter to RMP requesting information under the Texas Finance Code. I sent the letter by certified mail. In this letter I informed them that they were to contact me by United States Postal Service. RMP acknowledged receipt of the letter on XX/XX/2020. On XX/XX/2020, RMP replied to my request, but only under the Fair Debt Collection Practice Act. Since XX/XX/2020 I have received 5 telephone calls. 

Also, when RMP sent me their response they included actual copies of the medical statements which included the CPT4 Codes. RMP has violated my HIPPA rights by having this information. I have never given authorization for this company to have my medical information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have duplicate XXXX XXXX accounts reporting on my XXXX and experian reports, these have been deleted by XXXX XXXX with XXXX per XXXX XXXX request but are still showing on other 2 credit reporting agencies, please delete. I am.no longer liable for these accounts and do not have a contract with XXXX XXXX, attached deleted records and you will see the XXXX XXXX account numbers also. XXXX XXXX account numbers are attached also. Please delete asap
Product: Credit card or prepaid card

Credit card stolen and used unauthorized, on XX/XX/XXXX my card was used without my consent to make purchases over {$3000.00}, now I am being held responsible even though I followed proper steps to file a police report and provided medical documentation that I was in the hospital when these charges took place, I was at the hospital due to a XXXX which was provided to Nordstrom card services, a lost report has been filed and theft report with the city of XXXX as well, Nordstrom still wants me to pay for these charges and are increasing interest rates very rapidly to a point to were I can not even pay. They have closed my account and representative with the name of XXXX has told me I am an irresponsible person this is why they closed my account.
Product: Payday loan, title loan, or personal loan

On XX/XX/21 I was in an accident and my vehicle was deemed a total loss. While working with the GAP coverage policy holder ( XXXX  ) I was given a list of items I needed to obtain from the finance company and the insurance company. I received the documents from XXXX with no problems or questions. Bridgecrest on the other hand has yet to comply with any one of the requests for these documents. Bridgecrest did provide one of the requested documents on XX/XX/21 I received a 10-day pay off letter. In this letter it states " After the date ( XX/XX/21 ) the account accrues interest in the amount of {$10.00} per day. '' All the parties involved, aside from Bridgecrest have complied with my requests and provided me with all documents requested. 

On XX/XX/21 my car payment of {$450.00} is due and the {$10.00} interest begins to acrue. Why would Bridgecrest try to assist in getting this total loss claim filed and processed? Because they would loose money. Not only would they be loosing out on the extra daily interest, they would be loosing out on the {$450.00} a month. 

If I had received these documents from Bridgecrest, the GAP coverage claim would be closed, just like the Total Loss Claim from XXXX. Which would in turn bring my balance to {$0.00} and finalize the Bridgecrest payoff. 

Bridgecrest has tried to ensure that ANY overpayment made will be evaluated and if it is determined a refund is owed, Bridgecrest will process the overpayment. How am I suppose to believe this, especially when they refuse to send me the documents to process a total loss claim?
Product: Debt collection

Frontline Asset Strategies has inaccurately and illegally reported false information and a fake collections account to my credit report on XX/XX/2023 in the amount of {$830.00}. I am requesting this account to be thoroughly investigated and removed if found to be fraudulent/inaccurate. I have never used XXXX before in my life.
Product: Vehicle loan or lease

Last year I informed HONDA XXXX XXXX XXXX and the Assignee AMERICAN HONDA FINANCE CORP. of the excess fees added to the amount financed. Pursuant to 15 USC 1605 ( a ) " FINANCE CHARGE DEFINED '', the fees in question were to be part of the finance charge. By adding the fees to the amount financed, the price of the vehicle was inflated by almost {$5000.00}. They were informed on XX/XX/XXXX, XXXX XX/XX/XXXX. Neither, the dealership nor the assignee desired to fix the contract. On XX/XX/XXXX, I sent the assignee the demand for arbitration in accordance with the arbitration clause on my contract. Pursuant to contract clause, they're to pay the filing fees and any other fee associated with the arbitration. I've contacted the assignee a few times over the last month, and no one I've spoken with has access to that information. Attached to this claim, will be the demand for arbitration letter as well as the claim and payment history sent to the assignee. The arbitration claim, goes into detail of the numerous consumer, ucc, cfr, federal reserve operating circular, and state law violations. The claims were sent to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT FILE. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS HAVE BEEN OBTAINED BY AN INDIVIDUAL WHO WAS ABLE TO GAIN ACCESS TO MY PERSONAL INFORMATION. THIS SITUATION IS BEYOND MY CONTROL. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Product: Consumer Loan

I leased a 2003 Chevy Malibu from Ally Bank. The lease was for a three year period and XXXX miles. Upon returning the vehicle at the designated time at lease end and dealership, it was inspected by the dealer and found to have normal wear and no damage to either the interior or exterior and approx. XXXX under in allotted mileage. Ally Bank was notified of the return. The car remained at the dealership for an undetermine amount of time until a bank representative was sent to do an inspection. This inspection also noted normal wear with the exception of a so called crack in the side of driver 's seat. We received pictures of the alleged crack which were clearly undefined. There was no crack in the seat when the car was returned. Ally has retained the security deposit and is demanding an additional {$100.00} I have made 3 attempts to resolve this issue with the bank all of which have had no response. They now threaten collection and negative credit reporting. Ally Bank has made it clear to me that they have no intention to do nothing other than harass and strong arm me until cave in and write a check.
Product: Credit card or prepaid card

I recently received notices of the decision to close my credit card accounts for personal and business ( 2 of the 4 accounts ) : 27 year old, {$51000.00} credit line Account # XXXX 2 year old, {$10000.00}, Account # XXXX The reason stated Irregular authorized activity. Now my accounts are flagged as Bad Status. This is very disappointing for I have never had a negative implications or markers on these account or credit report. My credit history in impeccable. I pride myself on my established and strong credit reporting history and do not take this lightly of this unfortunate and abrupt termination of all my BofA accounts. 

It needs to be noted and high considered that this termination does impact my access to financial wealth, credit accessibility, and relationship with BofA. 

Permission to Add Authorize Users : To ensure I was not in violation of BofA credit card policy. On XX/XX/2020, I called and spoke to a representative named XXXX in the fraud department. I asked was the call being recorded and proceeded to ask for confirmation that it is permissible to add my described persons as an authorized user. She did confirm the call was recorded, and stated my intentions were permissible. 


In addition, I had more than {$400.00} Cash Rewards that is no longer available because BofA forfeited the funds. This too needs to be reversed, and a cash fund that I earned need to be allocated.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving people vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. I sent a letter to the XXXX credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX RE : Follow up Recently, I mailed a letter requesting verification of inaccurate accounts reporting on my credit report your bureau maintains on XX/XX/XXXX. I received a response stating that the account ( s ) were verified on XX/XX/XXXX. 

I am formally requesting a description of the procedure your bureau used in providing all information to the original creditor in processing my dispute under FCRA 611 ( a ) ( 7 ).

To be clear, per FCRA 611 ( a ) ( 2 ) ( b ), your agency is required to forward all relevant information to the original creditor to ensure proper investigation of my dispute.

I am requesting you provide me ALL information used for your investigation, as required by FCRA 611 ( a ) ( 7 ).

These accounts I am demanding your PROOF, you legally HAVE to provide to me. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX Per the FCRA you are required to provide this information to me within 15 days or you are to delete the negative items from my credit report. 
You have failed to provide any PROOF of validation to me. 


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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several negative items that have been reported on my credit report. These items have caused significant emotional distress for me and have impacted my ability to obtain credit and other financial opportunities. 

The following items are being disputed : 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 XXXX XXXX XXXX XXXX XXXX charge off account I request that you investigate these accounts and provide me with a detailed explanation of the information reported on each account, including the date of first delinquency, the date of last activity, and the current balance. I also request that you provide me with any documentation or evidence that supports the accuracy and validity of these accounts. 

Furthermore, I would like to remind you of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The FCRA states that credit reporting agencies must investigate disputes within 30 days of receiving them and that inaccurate information must be corrected or deleted. The FDCPA prohibits debt collectors from engaging in abusive or harassing behavior and requires them to provide accurate and truthful information. 

If you are unable to provide me with the requested information, I ask that you remove these accounts from my credit report. I look forward to your prompt response and resolution of this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against NATIONAL CREDIT SYSTEMS. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX XX/XX/XXXX Delete this item immediately 15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX XXXX XX/XX/XXXX Delete this item immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted two representatives on two separate occasions in order to get this rectified at XXXX. The lease was PAID IN FULL back in XX/XX/2021 and the leasing company XXXX  continue to report a balance and OPEN account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with inquiries and an account I did not authorize and need to have them deleted
Product: Credit card

I received a text alert on XX/XX/year> that there was fraudulent charges and to call XXXX Citi Bank number provided. I called the fraud department and notified them that I had not used my card that day and my card was put on lock to prevent further charges. I also decided to close my account since I hardly use the credit card. The fraud department said that they would investigate the charges and would place a hold on the account until the investigation is complete. A couple weeks later I get a notice by mail that XXXX out of XXXX charges were dismissed except the biggest charge made at XXXX XXXX XXXX XXXX of {$210.00}. They deemed that charge made by me because when I first called the fraud department I said that my credit card was in my wallet and not lost, but they dismissed the XXXX smaller charges. I immediately called their fraud department and told them that I did not purchase anything at XXXX XXXX XXXX they told me if I wanted to continue the dispute to Fax my license front and back with my signature along with my case number. 
Its been weeks and I have not received anything from them and I continue to call weekly and still nothing. I have provided statements from XXXX XXXX along with employee names and numbers stating that I did not make the purchase made. Mi credit was over XXXX and now its at XXXX because of this. Please help and thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a negative account reporting on my credit profiles by two separate collectors. A clear violation of the FCRA. XXXX XXXX has reported the debt then sold the debt to NCB Management. And they are both now reporting the debt. Which is violation of federal law.