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

In XXXX of XXXX I purchased a bed from XXXX XXXX through their Synchrony credit line. I immediately paid my account off whenever I utilized. Initially we were having problems with them sending the bill to the correct address after updating it with them on several occasions. Recently, I wanted o take advantage of another one of XXXX XXXX sales and contacted XXXX of the sales representatives that always helps me in my purchases. When the representative went to make the purchase he discovered that my limit had been decreased without me being notified. It was my understanding that I had the same limit since I opened the account. When we tried to speak to Synchrony in reference to this matter they stated that they were merchant services and I would need to speak directly to a customer service representative. In speaking to this representative, I was told that they would have to run my credit again for an increase. The representative also could not tell me if it would be a soft pull of credit or hard pull. They just kept saying that they had to rerun my credit. So, I am now concerned because I again was not made aware of a credit decrease and my understanding is my limit was the same. I have used my card when needed and have not had problems before. What truly has taken me aback is my account being in good standing and the unknown decrease in credit. I have not received any information that speaks to a decrease, let alone have I received a bill from them since my account has been paid in full for some time. When I tried to increase the limit back to the original amount that I was approved for I was denied. I asked the representative to lose my account because there was no use for an account that I could not utilize to pay for the goods that I wanted to purchase. Again, I just purchased multiple things from XXXX XXXX prior to today XX/XX/XXXX. I as a consumer should not have this inquiry go against my credit when I was initially told that I had a certain line of credit and paid the account in full before any payment was due. Synchrony is tarnishing the positive relationships that XXXX XXXX has with those consumers who are repeat customers who have paid their account balances in full. Please note that the XXXX XXXX representatives are the reason my family continues to come back. We have been loyal customers with XXXX XXXX over 20 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft as a result of being homeless and did not have a physical address in 2013. Numerous accounts were open without my permission. The creditors call and harass me daily for debt. I explained that those debts were not mine. They sent me incomplete billing info with inaccuracies. I was also told by the credit bureaus that my personal data was breached from the credit bureaus and I am still fighting that. I hired a credit repair company to help me with these disputes, as I am new to this. They are not cooperating and stated that they are willing to take a settlement. I don't know what else to do so I am finally coming to you guys for some guidance please.
Product: Student loan

I have XXXX loans that are currently serviced by ACS ( at total nightmare ). Those XXXX loans are the only loans that I have that I simply can do nothing with. ACS is claiming that my loans were defaulted because they were past due 270 days. No one contacted me or sent any information of such. I have worked with XXXX and worked out a loan consolidation in which I could not even include the XXXX ACS loans. Furthermore, ACS claims that the loans are " permanently uninsured '' in which they have been reporting to the credit bureaus for over a year and it is having a major affect on my credit. On the National Student Loan Database, the loans are showing temporarily uninsured in which ACS is claiming that XXXX ( guarantor ) has not updated the system correctly. I spoke with a representative at XXXX and she advised that my loans were showing a " temporary uninsured '' status since 2015 and was unsure as to why ACS is claiming it is permanently uninsured since the information would be coming directly from XXXX. Also, if my loans are in a " permanently uninsured '' status, ACS should not be reporting to the credit bureau.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX Date of Birth : XX/XX/XXXXXXXX  SSN : XXXX XXXX Date : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX , PA XXXX XXXX : XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( s ) : XXXX XXXX XXXX Incorrect Address ( es ) : XXXX XXXX XXXX, TX XXXX Correct Information to Be Reported : Full Name : XXXX XXXX XXXX Correct Date of Birth : XXXX XXXX XXXX, XXXX, TX XXXX Correct Social Security Number : XXXX Correct Address : XXXX XXXX XXXX XXXX , TX XXXX I have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report. 

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities. 

Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation. 

Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements. 
I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above. 

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section 611 of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within 30 days, as required by law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I previously disputed multiple inaccurate accounts with Experian, Equifax, and TransUnion, but they failed to provide the required procedural verification under FCRA 611 ( a ) ( 7 ). Despite claiming the accounts were verified, they did not supply original signed agreements, billing statements, or XXXX XXXX compliance records, violating FCRA 609 ( a ) ( 1 ) ( A ). Since unverifiable data must be deleted under FCRA 623 ( a ) ( 1 ) ( B ), I demand the immediate removal of these accounts and hard inquiries. If this is not resolved promptly, I will escalate my complaint to the FTC, my State Attorney General, and pursue legal action for willful non-compliance.
Product: Debt collection

Portfolio Recovery calls several times a weeks, always from a different randomly generated number, for the past XXXX weeks, to my place of employment. I have received no written communication from them, no emails, no phone calls to my personal number and there is nothing on my credit report, not a single delinquency for anything. I need them to stop harassing me at my place of employment. They clearly have the wrong number.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting that a payment was made in XX/XX/XXXX. This account was included in our Bakruptcy Discharge XX/XX/XXXX. No payments were made after that. Therefore, The information on my Credit report is incorrect. This account information schould be removed from my information the only info listed schould be, Account Closed
Product: Debt collection

I have been repeatedly been contacted by portfolio recovery associates  about the debt of another person. They keep contacting me and even on sundays. Their numbers get blocked but they use different numbers from all over the country.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiry deleted or updated. These are the items I demanding to be deleted immediately Listed below are the Accounts that are being challenged XXXX  - XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX - XXXXXXXX
Product: Bank account or service

I have 2 accounts with Regions Bank with the ability to transfer money between the 2. I made a purchase, accidentally using the wrong account. When I logged onto my account on Tuesday, XXXX, I realized the mistake and saw there was an overdraft fee. I was upset, but I realized it was my error. I did n't immediately transfer money because I was trying to contact the company that authorized the charge. The problem began when I logged in today and saw they had charged a second overdraft fee for the same purchase. When I called customer service, the rep was rude and condescending. He stated that the charge was pending and that caused the first overdraft fee and the second fee was from when it cleared. While I did have another transaction clear earlier in the day, there was enough in the account to cover this. When I asked for the second fee to be removed, he was extremely rude and offered to give me {$18.00} back. That {$18.00} was out of a total of {$72.00}. I was unhappy with this solution and his response was " I 'm not giving you any more money, XXXX XXXX. You can stop. '' I also asked why the measly {$12.00} could n't be taken out of my other account WITH THE SAME BANK and he said that he could n't link the two and I would have to open up a savings account ( which I believe is just a way to force customers into opening MORE accounts with Regions ). This is very frustrating for me, and hard to understand, because my family went through financial troubles a couple of years ago and, at the time, my husband 's name was on my account as well. His account went into default and they managed to seize ALL of the money in our joint account to offset his. It appears this bank has no trouble moving funds when it is for their benefit, but not when a customer makes an innocent mistake over {$12.00}. I 'm disgusted by the way I was treated, offended by the tone of voice he used with me, and most of all, disappointed with the bank I have trusted for many years with my finances.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a credit card with XXXX XXXX XXXX. i have had perfect credit with them They first gave me a credit line of over 900.00. We always paid on time. Once we had to put tthe amount of XXXX in the mail. I sent a money order in good faith on the XXXX of the month when it was always due by the XXXX. I contacted the company on XX/XX/2018 and told them the money is on the way, Someone ( XXXX ) from the XXXX XXXX XXXX  Dept said we wait for the money order which should be here on time, If not we will credit your account as being in good standings.because you made this phone call to us. To our Dismay they did not keep their word.or agreement. We received a letter in the mail statement that My credit line was being reduced by the XXXX credit bureau from {$900.00} to {$500.00} because of a number of excessive late fees. That is not true. We were never late!. When i called the XXXX XXXX XXXX. i spoke to a young woman named XXXX at ext XXXX she said she understood the problem and then gave me a fax number to the credit dept of XXXX.telling us to make this statement " We are requesting the impact of my credit limit to be reversed and brought back to the original status. unfortunately the XXXX XXXX XXXX dept did not fix this problem nor did XXXX. I feel at this point my civil rights are violated by not only XXXX XXXX but XXXX where there may be some collusion involved
Product: Credit card or prepaid card

On XX/XX/XXXX I applied for a Verizon Credit Card through Synchrony Financial Bank. The application page asked for name, last name, address, date of birth, social security number and income information. The application was denied, after my credit bureaus were accessed. The reason for the denial is that the bank couldn't verify my identity. No further information was provided. I called repeatedly and asked to speak with lending department or any relevant department. Each bank has a security and/or lending department that is responsible for making lending decisions. Apparently Synchrony Bank has an automatic algorithm that checks people 's credit bureaus and reject candidates without a reason. If the bank believes they can not confirm my identity, then the bank has the obligation of offering a way to confirm it. I'd be happy to send copies of identity documents, W2s, paystubs, etc. However, the bank keeps saying that the identity could not be verified, and to try again in 30 days. Basically this bank wants to ruin people 's credit by doing a hard pull every 30 days and just hide behind the phrase : we couldn't check your identity. How can you state you were unable to verify my identity if you only asked demographic information, which was correct since it's me, and then the nothing else was asked? 

The cherry on top is that I already have a Care  Credit account with this bank, with XXXX balance by the way. So how is it again that you're unable to check my identity? 

This bank is violating the Equal Credit Opportunity Act and should be held accountable. This case will also be referred to the Florida State Attorney 's Office.
Product: Credit reporting or other personal consumer reports

I am requesting the General or specific certification that was sent to the consumer reporting Agencies! This request is being made pursuant rule 1002. FCRA section 619 imposes criminal liability on any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses. 

Consumers suffer harm when consumer reporting agencies provide consumer reports to persons who are not authorized to receive the information or when recipients of consumer reports obtain or use such reports for purposes other than permissible purposes. 

These harms include the invasion of consumers privacy, as well as reputational, emotional, physical, and economic harms. I have been denied new credit, I have been denied increases in lines of credit because of your willful violation of the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ].
Product: Checking or savings account

I had another USAA member send me {$4000.00} on XX/XX/19. He asked to purchase bitcoin from me. I am a well known investor in bitcoin and I have a great reputation. Anyway, I didn't want to do this as a member to member transfer, but a wire. 
Eventually after he sent me a drivers license and selfie, and called me from a registered landline, I agreed to it. He was of clear mind, not intoxicated, and knew what bitcoin was. He said he wasn't purchasing it for anyone else. 
USAA only allows members to send up to {$1000.00} using XXXX by the mobile app. In order to send {$4000.00} to another member, he had to call in and get verified by USAA. They do this by sending a text to his phone and having him read the numbers back. 
The money was transferred to me, and I released the bitcoin to him. 

The next day, I called into USAA because I was worried maybe someone might have been running a romance scam with this guy or doing something else shady. If he had been scammed in some way, I didn't want him to lose any more money. He had around 25-30K in his account and I didn't want him to lose it all. If he was really scammed and not of sound mind, I would even send the money back. 

USAA however, chose to be dishonest with me. They came back me and said, " The member said his computer was hacked and that is how the money was transferred ''. 
This is not possible, USAA is covering something up. 
They chose to close my accounts and stop doing business with me over this money transfer. In this case, I would like my {$4000.00} back. Otherwise I will sue for it because I only authorized return of the money in case of a scam, not lies saying his computer was hacked. If his computer was hacked, the most he could have transferred was {$1000.00}. He called in on the phone, got thoroughly identified by USAA and the agent transferred the money to me. 

I don't mind returning money when someone is being taken advantage of, but clearly I am the victim here of a scam ... .One in which USAA has chosen to take the scammer 's side for some reason.
Product: Mortgage

My husband and I applied for a second home mortgage with Quicken on XX/XX/18 for {$250000.00} with 15 % down, I was pre-approved instantly. We were assigned mortgage banker XXXX. A few days later I called Quicken so that I can speak with XXXX, XXXX XXXX answered the phone and told me that she can assist me because she is a senior mortgage banker. XXXX suggested that I should go ahead and get completely approve. I ask what is need and if my credit will be pulled again and she said no. I provide all the requested documents within 24 hours, the next day I spoke with her and she told me that we were approve she just needed a employee verification letter for my husband because they could figure how many hours he is guarantee. We provided that letter and she told me that we are completely approved but the numbers went down a little because of my husband child support obligation. I said ok. For weeks she called and encourage me to go to Georgia to look at properties. I spent {$1000.00} going to Georgia looking at properties. XXXX XXXX our first agent was told to push and help us because our loan has been completely underwritten and approved. We had to switch realtors and was assign to XXXX XXXX. XXXX conference called me and XXXX and she advise XXXX that I was completely approved and to put extra effort to help us find a property. We found a property and went into contract. XXXX request updated paystubs and bank statement, we provided them. We were then transfer to XXXX XXXX, who requested more documents we provide all. Now they are requesting child support court order. My husband have no time off of work he is on probation and if he miss any time or is late he will be terminated. I went to the courthouse with a notarized letter, and my husband ID I did not get the document. We offer Quicken a break down of payment for the past 17 years they refuse. Now our loan is denied and provide a denial letter stating application incomplete : incomplete application documents. Which is not accurate.
Product: Money transfer, virtual currency, or money service

Hi, i created a PayPal account recently with my email address XXXX. upon creation I was able to link my bank and receive some money from a survey company I worked for. Upon receiving money from my friend my account got limited all of a sudden after contacting customer service I was able to upload my driver 's license and the customer service representative told me it will be resolved. Few hours later I got another limitation stating I have some issues with my bank, even though it is fully verified by entering the 2 digit code sent to bank. I tried uploading my ID but it just keeps rolling and rolling after scanning my face, so I contact PayPal customer service service to help me out and I uploaded my driver 's license again. I was told it will be sorted out. I was glad, I couldn't believe it that few hours later I logged in and I see that my account is permanently limited. After all the stress I went through. I didn't even get a mail or anything from customer service. This is very disturbing and mentally draining and I believe PayPal has affected me psychologically and many others.
Product: Credit card or prepaid card

My secured card number is XXXX this card was closed 3 years back. i mistakenly paid {$3500.00} in XXXX which i am trying to get back. i have called the bank several times but they are not responding and telling me when i will get my money back. 

Wells Fargo is sitting on {$3500.00} for months now. 

Thanks, XXXX
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint against XXXX, TransUnion, and XXXX for their failure to adequately investigate my disputes concerning inaccurate information in my credit reports. Despite my repeated submissions, these credit bureaus consistently respond within 24 hours asserting that the accounts are accurate, yet they do not provide any evidence of a comprehensive investigation. This behavior is in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which requires a reasonable investigation of disputes. Additionally, the actions of XXXX, TransUnion, and XXXX may also breach the Consumer Financial Protection Act ( CFPB ), as outlined in 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ). This was recently emphasized in a CFPB administrative proceeding ( File No. XXXX ) against them for similar infractions. I urge the CFPB to take appropriate measures to ensure that XXXX, TransUnion, and XXXX comply with federal law and provide consumers with the necessary documentation of their investigations. The accounts in dispute are as follows : 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