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

This year, American Express, XXXX, and XXXX XXXX have all lowered my credit limits on accounts that are, and have always been in good standing. 
This creates a snowball effect, as my FICO scores drop to reflect an increase of debt to available credit, even though the amount of my debt has not increased.

The strategy behind this is clear. The lenders want to prevent me from flipping balances from one card over to another, to take advantage of reduced or XXXX percent interest rates. When my promotional rates expire, they go to 30 % or more, and any effort to open a new line of credit reduces my score even more. 
This is dirty business. Ive never been late on anything. I have told these creditors that if my interest rates skyrocket, I wont pay them back at all. They dont care : My FICO scores are already ruined because of this.

Corporate greed and stupidity.

FICO scoring and lending industry abuse of this system DIRECTLY CAUSED the financial crisis of 2008. I lost XXXX homes and life savings because of this. 
See my website, XXXX 
This business model is applied universally. The people it victimizes are rarely aware of the real reasons behind their credit problems.

FICO scoring is the SOLE PARAMETER by which an applicants credit worthiness can be evaluated or considered. Nobody reads credit reports anymore. This is a corporate screwjob, and creditors who engage in it dont deserve to be paid. Tell them to stuff it, along with their dirty business tricks. Dont sanction or tolerate legalized theft.
Product: Debt collection

The CFPB website does not have a proper category for this ... ... 

On XX/XX/2018 I received a letter from XXXX XXXX, GC Services Limited Partnership, XXXX XXXX XXXX, XXXX PA XXXX, falsely claiming that we had agreed to a payment arrangement of {$200.00} per month. They also appear to use the address XXXX XXXX, XXXX, TX XXXX. 

I DID NOT. Any statement by any party to the contrary, verbally or in writting is a LIE. 

In fact, this was the first communication by this company. 

On this date, I am sending written demand that they never contact me again.
Product: Checking or savings account

This is my 3rd complaint against Truist Bank concerning junk fees. This one shows me getting an overdraft fee while my account is still positive ( see attachment. ) The fee came from an unauthorized hold on my card that was removed. I was explicitly told by a Truist representative that I will still be charged an overdraft fee even though the charge was removed from my account by the vendor. Truist is routinely stealing from their customer 's bank accounts via illegal junk fees and nothing is being done about it.

The Truist representative referred me to their fee policy ( see attachment ) which in no way states that customers must pay fees for fraudulent or unauthorized charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to ensure you only retain CURRENT, COMPLETE and TRUE information in my credit file. Per FCRA regulations ANY and ALL other information I DEMAND as my lawful rights to be annulled. I DO NOT AUTHORIZE you to mis-report any information now or EVER. Immediately review to properly ENSURE your adequate and in full accordance to the laws which governs your practice or reporting consumer credit profiles. 
1 ) I DO NOT HAVE ANY OTHER NAMES, ALIASES, NICKNAMES to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights. 

2 ) I DO NOT HAVE ANY OTHER CURRENT ADDRESS and do not authorize or desire and other addresses to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights.
Product: Credit card or prepaid card

I fell behind on my payments t o Capital one and  my card became restricted. On  XXXX   XXXX  I contacted their online customer service and entered an agreement with them that if I mad e 3 payments on time, and got the balance below my credit limit my card would become unrestricted. I met my obligations with 3 on t ime payment in  XXXX ,  XXXX , and  XXXX  and I actually paid my balance down by half.     Unfortunately, my card is still restricted. I contacted  Capital One to  ask them who and they are now claiming that our agreement did n't begin until  XXXX   XXXX  so I have to make  one m ore payment. When I informed them that was not the agreement and asked for a copy of the transcriptions from  XXXX , they stated they are n't able to access those. To which I asked .. '' So you can enter agreements with customers but not keep a copy of the agreement? ''. When speaking to multiple managers about the situation, they all say they have no control over the account becoming unrestricted that it is purely a " computer thing ''. I asked again there is not a single person in your company who can override and incorrect date, and again the answer was no.     So here I am having met and exceeded my end of the contract an d Capital One  has not upheld their end stating that the agreement was n't valid until  XXXX . I am frustrated that there is no accountablity for them not following through on their actions and the fact that all the supervisors say there is absolutely NO way to help me.
Product: Credit reporting or other personal consumer reports

CFPB, LOOK AT ALL XXXX CREDIT REPORTS, OPEN, CLOSED, DATE OF LAST ACTIVITY. THIS ACCOUNT SHOULDN'T HAVE BEEN REMOVED UNTIL AFTER 7 YEARS.
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 XXXX XXXX # XXXXXXXX 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: Debt collection

Conn Credit Corporation was included in a Chapter XXXX converted to a Chapter XXXX Bankruptcy. There are 2 accounts reflecting on my credit file and had been removed and the account has now been placed back onto my credit file causing me undue hardships with COVID19. I have written to them numerous times that they are reporting incorrect information and they can not collect on accounts that have been included in a Chapter XXXX Bankruptcy. They have continuously contact me on my cell phone and at my employment when they have been informed numerous times to cease and desist.
Product: Checking or savings account

On XX/XX/2022 Bank of America made a decision to close my business and my personal accounts. I opened another account elsewhere so my business could stay open, and wanted to get my funds from bank of america to my new bank. Bank of america then said that it would take 10 business days for my check to arrive in the mail with the total amount from each account that was closed. 
Its been more than 2 weeks after the checks were supposed to arrive and they dont know where the check is and it has not arrived. My check for the business account was somewhere in the range of {$22000.00}, and they said they only send tracking with amounts larger than XXXX XXXX. I asked them to cancel the checks and issue one where i could pick it up at my local branch, and they said that if they cancel the check they can only reissue the check after 120 days. 
Thats unreasonable and unsustainable for someone like me who is running a small business. Meanwhile, until my check arrives Bank of america is likely investing my money and making profits from it while delaying the return to me. How do I know that this is not being done on purpose, it feels malicious. 
I have called them at least 2-3 times per week trying to resolve this but all they say is i have to wait. That is simply unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is continuing to violate me as a federally protected consumer by not following my demand to remove the stated inquiries I've instructed them to remove, based on the Fair Credit Reporting Act. 

By not complying with my demand to remove the mentioned items IMMEDIATELY, they are continuing to violate the FCRA, 15 USC 1681a ( 2 ) ( B ) which is the exclusion section of the FCRA, which explains what a consumer report does NOT include.

Section B of the exclusion section states that, any authorization or approval of a specific extension of CREDIT directly or indirectly by the issuer of a CREDIT CARD or similar device which means that the mentioned inquiries I am demanding to be removed are under that category, therefore I am demanding they be removed IMMEDIATELY. This is federal law, not opinion.
Product: Debt collection

On XX/XX/XXXX, and with an account balance of XXXX, we accidentally sent XXXX XXXX XXXX,  Florida, {$2100.00} from our XXXX XXXX account, a payment intended for another organization. The money was subtracted from our checking account and went to XXXX ( serviced by XXXX XXXX ).  We notified XXXX of the mistake and they refunded the amount on XX/XX/XXXX, a satisfactory outcome. This should have closed the matter, but it did not. 

In my XX/XX/XXXX bill and thereafter they unaccountably charged me for that same amount. Recall that I had a XXXX balance. They initially claimed that they did not get my payment of XX/XX/XXXX, although I sent them my bank statement showing that they did. XXXX XXXX  had not blocked payment. 

XXXX changed its story and claimed that they had sent out two refunds of {$2100.00} on XX/XX/XXXX. They gave no explanation of why they would send two, nor did they send evidence of a second refund. They never made a second refund, but they keep billing me as if they had, and with mounting interest. 

I have phoned XXXX XXXX/XXXX numerous times, talked with various customer service representatives ( XXXX, XXXX, XXXX, and others ) and have sent notarized copies of my bank statements. 

XXXX XXXX, it 's legal department, and XXXX XXXX XXXX, the branch manager have become involved and have sent statements and letters verifying that I never received anything but the initial refund of {$2100.00}. XXXX XXXX spoke at length with a supervisor, XXXX XXXX (? ) on XX/XX/XXXX. 

XXXX seems unable or unwilling to drop the fictitious charge. I have supporting documentation.
Product: Credit card or prepaid card

This is based on the bank that CREATED the problem by Bank of America transferring my account and balance to a NEW bank ( XXXX  ) that has failed to provide a card, and a way to access my account to pay the bill which was transferred to the new bank. I understand that XXXX is the bank that failed to do its job HOWEVER Bank of America was responsible for doing this without our agreement ( it is a joint credit card ) and putting us at risk. I will be unable to pay my bill because I don't have the card after repeated promises to that effect nor do I have access to the account OR a bill since I can not create an account without a card number and they will not provide the account number over the phone. I am very concerned what this will do to my credit rating. I have excellent credit and am beyond worried about what this will do to my credit. I always pay my bills on time and will suffer consequences out of my control that occurred by the actions of Bank of America. On the next page I will provide the account number of the card I HAD with them but the account no longer exists. I no longer exist.
Product: Credit reporting or other personal consumer reports

RE : XXXXXXXX Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXXXX/XX/year> - {$00.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Mortgage

Penny Mac is unethical in their business practices ( this is a bold statement ). After retiring from the Department of the XXXX as a Civilian with 31 years of Government services, and 3 years in the United States XXXX ( Veteran ) I have never experienced any Mortgage problems with any loan. The original loan was with XXXX XXXX XXXX XXXX, however, they transferred the loan to Penny Mac. Penny Mac changed my biweekly payment plan, only reviewed my escrow account once ( projection are not in keeping with commercial practice ), and inform me they are a Debt Collection/Debt Collector Company. I have to guess when they will charge my account for the next mortgage payment. By during biweekly payments, they require a month in advance ( why )? Penny Mac computers systems and payment systems are outdated. If you make an unscheduled payment, not for the full amount their systems tell them they can not or they will need more time to make the payment in the computer system or payment system ( when do computers systems tell you how to do transactions? ) It is all about the systems, systems, not the customers. " We are a Debt Collector '' is what they tell every customer on every call, an I mean " Every Call, '' Penny Mac say by-law they have too ( someone needs to look at the Law or change the law ). What is my point? Changing my biweekly payment, and escrow account not being projected. The Fair Debt Collection Act 15 United States Code, Section 1692. 

Thank you for taking the time to read my concerns.
Product: Checking or savings account

in re : HSBC- XXXX XXXX XXXX banking corportation U.S. dispute claims mishandling by hsbc and failure to credit transaction for returned items to merchant. 
hsbc failed to properly credit dispute claims and merchant made false claims and after i returned defective car and missing car documents. hsbc gave all kinds of run around and never contacted me for followups. after 6 months of investigation my claim was finally escalated to a manger of hsbc in new york named XXXX XXXX, XXXX, Customer Relations. hsbc stole my money and never properly disputed my claim for lost money. product-car was returned because seller refused to provide authentic car document and invoice. and XXXX participated in the fraudulant activites. hsbc never had anyone that spoke in american language. i could barely understand the foreign employees handling my claim. this happened on multiple occasions. and 2nd concern was that after making bill payments for 6 months ... the first 3 months bill payment were returned but hsbc bill pay stole the 3 bill payments. i have asked numerous times for my refund of the bill from XX/XX/2022 to XX/XX/2022 and the XXXX  hsbc XXXX  did nothing and failed to do anything. its seems like everyone at this hsbc XXXX bank is very incompetent and deceptive and liars and don t know what to do. they need to be investigated by US federal banking agencies for their dirty banking practices!!!
Product: Debt collection

Hello, I am reaching out because my grandmother and I am being threatened and harassed by Wilber Associates and law firm. I was involved in a car accident that was a 50 50 fault but I did not have insurance at the time of the accident. This law firm or agency wants a payment of XXXX, I have Not refused to pay I simply offered a payment plan I can afford, I am a single mother with XXXX  small children barely making minimum wage, I offered a XXXX $ a month plan and they refused and said they are garnishing my wages, going for my bank accounts and suspending my license They made my grandmother cry because of the threats they mention to her. 

They keep threatening me to suspend my license garnish wages and suspend my vehicle lease. I also asked them, " Well can't we go to court to see if we can settle something '' The first representative who's in charge of the case told me, " This is a civil matter not a criminal matter therefore we don't go to court for that I just send a notice to the DMV to suspend your license '' THEN another representative contacted my grandma stating they're going to take us both to court to pay a settlement of XXXX They threatened me by sending an electronic notice to the DMV to suspend my license, Threatened to take my grandmothers assists as well. This law firm is stating
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX divorced XXXX XXXX  in XX/XX/2017 we had a joint account at XXXX XXXX, Which was closed for non payment from my husband, not paying it was my wedding ring,. So in our divorce my ex wanted the bill to be all his to the judge signed to him even though it was closed, I am XXXX and could pay it anyways and the judge says I shouldnt have to. So I am having problems with experia and XXXX now transition took it off right away no problem. I need your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX Account XXXXXXXX XXXXXXXX XXXX XXXXXXXX, Account XXXX  XXXXXXXX XXXX XXXXXXXX, Account XXXX XXXX XXXX XXXX XXXXXXXX, Account XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, 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
Product: Student loan

I have been paying my loans by check since Navient refuses to let me open my online account and make payments. I could pay several time a month when money is available for me and get the payments caught up without the harassing phone calls and mis appropriating my monthy payments. They continue to make me late on payments each month. For the last 6 months, I have paid {$150.00} for XXXX loans. XXXX is bout {$98.00} and the other {$47.00}. I paid XXXX with XXXX check and after a few months, I noticed my bills were saying I was late again. I XX/XX/XXXX I sent in an extra payment so that I could pay my {$150.00} any week of the month, since I am on very limited income, and need to pay mortgage at the first of the month. I got bills saying I was ahead on XXXX bill and the other is showing me as {$170.00} late, they started calling my house all day long again. I had to turn off the answering machine. 
The reason for not speaking to them, is because I will only get a roto call bill collector who will only ask me for money, not be able to investigate why my payment have not been applied to XXXX bills each time I send in the money. The collector will not have the correct information and I have to tell them to update their screens. I tried to send in both payments in XXXX separate envelopes, so that the processer would not be able to apply my check to only XXXX of my loans.. But regardless of XXXX checks and XXXX stamps, all my money should have been applied to XXXX payments, regardless. Now I am paying interest on XXXX of the loan notes again. I wish we could have some help from the government, because of all the interest money that has been taken from me, I feel illegally. I have not ever gotten help with a real live representative that can bring solution to my case. Thus, I refuse to answer the phone. Please help me get my payments accredited to XXXX my loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$16000.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XX/XX/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

To whom it may concern : There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : Inquiries : XXXX XXXX XXXX XXXX Credito Real Usa XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look Forward to hearing your response. 


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

The following accounts were on my credit report as Charge off with balance : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX the payment history of late payments are completely inaccurate, and lacking.. I paid the account in full, no balance ... Date of last activity is also not correct. So many errors! CFPB step up and remove this listing
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Transunion will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX