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

Not sure that the options selected really fit this scenario but they were the best fit based on what was available. I have a Southwest Airlines rewards card with Chase. The card was opened a few years ago with a {$9000.00} limit. In the previous year I did maintain a balance near that limit. In recent weeks I have been paying off credit card balances including this one. I paid it down to XXXX in one lump payment. There has not been a major change in my credit score or report. No defaults, no slow pays, etc. I believed that I was doing the right thing by paying balances down. I am actually on track to clear all credit card debt in the next 4 weeks. I have made some purchased on this card since returning to s XXXX balance but using a new practice of paying those off every 30 days. Chase reduced my limit this morning by more than 50 %. I know that this is their right, but this was done without repayment being an issue ( no slow pays on this account ) that can be verified on my credit report ) and I would argue evidence of lower risk since I just paid the entire card off. My real complaint here is that has a negative impact on my credit. As I am paying cards down and off and reducing % of credit used this move by Chase has negatively impacted that and I know that I will see my score decrease a bit in coming days by no action of my own. They also did this recently to my wife. We have not experienced this with any other creditor. I could see this action if there had been negative activity on the account or a significant change in credit score. This appears to be penalizing me for reducing my balance, therefore reducing the interest that I am paying. I just wanted to raise this question because this feels like a practice that hurts the consumer. That being said, I know that I do have the option of closing that account and taking business elsewhere. But that also has an impact and I am not unhappy with the most of what this account provides. This practice is just negative in my view because I am being penalized for doing the right thing.
Product: Debt collection

I am demanding deletion of this of fraudulent account this account does not belong to me I have not obtain or receive any goods from this account it is a violation of my fair credit report act section 15 usc 1682. This account is hindering my credit profile I have never authorized used or benefit from this fraudulent account or transactions in any way.
Product: Debt collection

About 20 years ago I purchased a small notebook from XXXX XXXX. In the first 3 months the hard drive failed on it. They refused to honor my receipt or warranty and I still paid them for it. I believe it was about {$300.00} Im so disgusted with XXXX XXXX and their pit bull debt collectors from Portfolio Recovery, they have no shame. They call all hours of the day constantly from different phone numbers and locations. This has to stop, please help.
Product: Debt collection

XXXX XXXX XXXX I voluntary repossession to this creditor resulted in the car being sold far below market value the value I owed with interest is about {$12000.00} they sold the car at auction for {$800.00} they had my new address failed to inform me of any details or options
Product: Checking or savings account

In late XX/XX/2022 or XXXX XXXX XXXX  my checking account at Fifth Third Bank was hacked and numerous unauthorized withdrawals were made. The fraudulent acts included multiple XXXX transactions ( {$1000.00} ), foreign money transfers ( {$5200.00} ), XXXX payments ( {$900.00} ), and other online transfers ( {$3800.00} ) until my account was depleted. 
I contacted the bank in late XX/XX/2022 when i became aware of the situation and reported in person all fraudulent activity that had occurred. To date, only a portion of the funds from the fraudulent transaction has been returned to me with the {$900.00} XXXX and {$3800.00} other online transfers denied without specific reason or cause. The reasons for denial from Fifth Third Bank include " we've determined the transaction is valid '' and " our research confirms that the transaction was valid. 

My contacts with the bank to trying to settle the matter included in-person visits to my local Fifth Third branch, telephone calls to the Fifth Third Fraud Department and Multiple letters to the Fifth Third Disputes Department requesting return of funds from the fraudulent acts. I also filed a police report with my local department in XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I have always maintained an impeccable payment record with the company, with all my payments set up on Autopay. This reported late payment is due to a system error on their part during payment processing. 

This billing error by the company does not reflect my payment history and violates USC Code 1681eb. This mistake has severely impacted my reputation, character, lifestyle, and my family. 

I insist that the late payment listed in the MONTHS REPORTING LATE be removed immediately. 

The company is not complying with

15 USC 1666b, which outlines the standards for treating a payment as late. They incorrectly reported my payment as late without following the law. 15 USC 1666b ( a ) specifies that a
creditor can not consider a payment late unless reasonable procedures ensure that the periodic statement, with required information per section 1637 ( b ), is mailed or delivered to the consumer at least 21 days before the payment due date. 

The company failed to send the periodic statement and disclosures as required by section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the due date in good faith under rule 1002, but it has never been provided. 

This situation is unfair, illegal, fraudulent, and unjust to me as a consumer. 

I demand the removal of the late payments from my consumer reports.
Product: Credit reporting or other personal consumer reports

I Purchased XXXX Sterling Silver Rings From XXXX In A Installment Loan For XXXX In About A Week My Fiance Ring Was Turning And Bending I Then Called XXXX And Complained That The Ring Was Not Sterling Silver And I Wanted My Money Back They Told Me That Was Impossible And That All I Had Was A Warranty For. A New Ring I Stop Making Payments I Eventually Paid Them Off For Some Reason They Put My Debt As A Charge Off And Wont Change The Fact That I Paid It Off
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 to remove : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX A ) XXXX Balance : {$760.00} ; XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX A ) XXXX Balance : {$420.00} ; XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$7000.00} ; XXXX XXXX  XXXX Balance : {$860.00} ; XXXX XXXX  XXXX Balance : {$810.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ; XXXX C XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these items or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # XXXX ; XXXX ; XXXX & I am including it again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Debt collection

During a pandemic or in XXXX I was never contacted thru the debt company or never had a letter from Midland Credit to confirm if the debt amount is true or correct. Fast forward to XXXX, I contacted midland credit and told them that this is the wrong amount and I never own that money. They started threatening me that you have to pay this $ $ or else we will come after your paycheck, etc HOW CAN I PAY WRONG AMOUNT?? This is a threat to the community and unethical practices.
Product: Credit reporting or other personal consumer reports

I am writing to complaint to PORTFOLIO RECOVERY about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX SC, XXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX. The FTC report numbers related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Credit reporting or other personal consumer reports

This complaint is not sent in error. My credit report has some false and not 100 % accurate accounts. This inaccurate information is affecting my auto insurance rates to be higher than they should be. 

Desired Resolution : I need you to address this immediately and delete these inaccurate accounts off my report. I am not going to be paying higher insurance rates because of what you are reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

The list of accounts below was violating my consumer rights to privacy and confidentiality under FCRA. XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX [ only reports to XXXX ] XXXX No creditor name XXXX [ only reports to Equifax ] According to 15 U.S.C. 1681 section, 602 A. States that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 
Reporting information that you know is inaccurate or incorrect, violates the FDCPA and Fair Credit Reporting Act.
Product: Mortgage

Back in XXXX I applied for a mortgage we set a closing date for XXXX XXXX 2016. 
Forty minutes before closing I received a call from Chase home lending telling me I had to come up with additional {$1000.00}. In addition I found other discrepancies on the closing documents that the lawyer had with her. The original agreement was that they were supposed to transfer the escrow account to the new loan. On the closing papers it stated they were using it to pay down the mortgage balance. The commitment letter stated that I had to bring {$220.00} to the closing. There were numerous discrepancies and I had the attorney, XXXX XXXX call them. We could not close. On the same date XXXX/XXXX/16 I spoke with chase home lending and I was told they would try to credit me {$1000.00} for the mistakes. I requested a new commitment letter stating the new figures I never got XXXX. I got a phone call from the lawyers office on XXXX/XXXX/16 that we have a new closing date for XXXX/XXXX/16. I still had no documentation or commitment letter. How could I close? And without any knowledge that I was closing on that date. This is not the correct way to conduct business. I called back on XXXX/XXXX/16 to request my {$500.00} deposit to be refunded. They refused. I feel like I have been misled and this is not my fault. I should be refunded my {$500.00} Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : 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: Vehicle loan or lease

I am writing this letter because I have recently been educated on my rights as a consumer and after reviewing the contract that was presented to me at XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX, of XXXX, I am clear that those rights have been violated. Please see the list of violations that occurred during my consumer credit transaction to purchase the XXXX XXXX XXXX noted below. 
It is a fact that I provided a cash down payment in the amount of {$2300.00}, however per 15 USC 1605a no cash down payment can be collected when there is a finance charge. Pursuant to 15 USC 1662b it is illegal to require a down payment in conjunction with an extension of consumer credit. 
It is a fact that I was told that the cash down payment would reduce the total amount of the purchase price, however on page 1 of the contract it clearly shows that the down payment was not subtracted but added to the purchase price of the vehicle. This is a billing error pursuant to 15 USC 1666.

It is a fact that I understand pursuant to 15 USC 1605, that the finance charge is the sum of all charges. On the 1st page of the contract the finance charge is misrepresented to be only {$10000.00} when in fact the sum of all charges would be {$27000.00}. This is a violation of 15 USC 1692e ( 2 ) ( A ).

It is a fact that pursuant to 15 USC 1605, a finance charge, which is the sum of all charges, should include all insurance premiums. However, no charges dealing with insurance was included in the finance charge per the contract. The members of your staff did not even disclose that insurance was to be included with the finance charge, they just called XXXXXXXX XXXX XXXX on my behalf and made me contract with them separately. This is a violation of what is written in this law. 
1 It is a fact that once there is a dispute of any billing error, a creditor can not report any information to a 3rd party until the dispute has been resolved, pursuant to 15 USC 1666a.

It is a fact that it was never disclosed that all service fees were to be included with the finance charge as noted per 15 USC 1605. It is my understanding that any and all services that may be needed for the life of this vehicle will be covered by your company and that I would only be responsible for the cost of parts.

It is a fact that pursuant to 15 USC 1692c, I am providing notice that I refuse to pay any debt and as the original creditor ( since I created the debt ) I intend to invoke a specified remedy.

It is a fact that disclosure of my rights to rescind the consumer credit transaction or the documents required for me to rescind the transaction was never provided to me as required pursuant to 15 USC 1635. Under 15 USC 1635, I am exercising my right to rescind the consumer credit transaction, which would include any power of attorney. Since the vehicle has depreciated in value it is not equitable for me to return the vehicle. Within 20 days of receiving this notice, you will return the down payment and all payments made in relation to this contract as well as take all required action to reflect the termination of your security interest that was created by this consumer credit transaction.
Product: Credit reporting or other personal consumer reports

Dispute Letter for Unauthorized Inquiries XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX, IA XXXX Subject : Dispute of Unauthorized Credit Inquiries Dear CFPB, I am disputing unauthorized inquiries on my credit report. Below are the details of the disputed inquiries : Company Name : XXXX Date of Inquiry : XX/XX/XXXX Credit Bureau : XXXX Company Name : XXXX Date of Inquiry : XX/XX/XXXX Credit Bureau : XXXX Company Name XXXX XXXX  Date of Inquiry : XX/XX/XXXX Credit Bureau : XXXX Company Name : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Credit Bureau : XXXX Company Name XXXX XXXX Date of Inquiry : XX/XX/XXXX Credit Bureau : XXXX Company Name : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Credit Bureau : XXXX I did not authorize these inquiries. I request that the CFPB investigate and direct the companies to provide proof of my authorization. If no such proof can be provided, I request the removal of these inquiries from my credit report. 

Thank you for your attention.
Product: Student loan

I took out my private loans in XXXX. I call a couple of years back because my federal loans went from twenty years to thirty-year loans. They explained to me that it was because I had consolidated my loans for a lower interest rate. At the time this was not explained to me. Fast forward I was looking at a credit report from XXXX and it clearly shows my private loans as a loan term of 240 months or twenty years. Suddenly in XXXX, my estimated payoff date is XXXX instead of XXXX. They can not seem to explain to me why they have added three years to my loan payments. 
This is fraudulent and I would like them to make it right. I have not placed my private loans in forbearance or any other stop payment type action. I have paid them consistently over the years.
Product: Credit reporting or other personal consumer reports

My account with the following companies were never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 reported in to be removed.

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.

The following companies 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: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Incorrect Name - 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled the account in XX/XX/XXXX. They told me verbally that they will closed and delete account in credit report. 

XXXX Santander told me they wont be able to delete the account, however it was going to be deleted XX/XX/XXXX XXXX Santander reported my account that was still not paid. 

XXXX Santander told me that my account will be deleted XX/XX/XXXX XXXX Santander reported my account inaccurate and now they are telling me that it will be removed on XX/XX/XXXX. 

Santander Consumer USA acct # XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Everything has been disputed through XXXX XXXX, experian and verbally. I am very confused and would like this deleted from my credit report, which is affecting my credit score and my options of moving forward with my personal life. 

Thank you for your support and understanding, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I DO NOT RECOGNIZED THESE HARD INQUIRIES OR ACCOUNT HARD INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021, i wrote XXXX about a inaccurate item that they are reporting that needs to be deleted and it has been a month without any response.i sent Equifax letters on XXXXas well for unauthorized inquiries that i didn't authorized and asking for them to be deleted.
Product: Credit reporting or other personal consumer reports

I sent you a letter several times, asking for you to investigate the information reporting on these accounts and I received a response from you stating that the accounts were verified and there would be no change. 

After receiving that response. I sent a letter to the companies in the previous month asking for them to verify the information. I received no response. 

I have exhausted all of my options to resolved these matters and I am now demanding that the accounts be deleted from my credit report due to being invalid and unverifiable. If no proof of debt exists and there is no verifiable information, then the information may not be reported to the credit bureaus nor reported by them under the Fair Credit reporting Act. 
XXXX XXXX XXXX XXXX