23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Synchrony reduced my credit limit to {$400.00} after having the card at limit while I was constructing a house. No other card issuers have changed limits. My credit is still decent and I paid off all cards when my XXXX  XXXX  came through. Synchrony delays posting of my payments now by a week even after I see them posted through my checking account. The representatives state that it automatically happens. I reached out and the chat representative was unable to help and just pasted generic responses. I requested a supervisor but none were available apparently and they are unable to call you back. The issue remains.
Product: Payday loan, title loan, or personal loan

Told me it will fix my credit but denied me still and waisted my time I need to be having my credit fixed with real reasons of why I should have stuff in my credit
Product: Credit reporting or other personal consumer reports

Personal information such as address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are inaccurate. The only address on file should be XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No other names should be reported other than XXXX XXXX.
Product: Credit reporting or other personal consumer reports

i am a natural person, i am a living human being, i have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. i demand the accounts listed below be remove because According to 15 USC 1681 : i have the right to privacy and i did not give equifax written permission to furnish these accounts : XXXX XXXX reso ALL HARD INQUIRES
Product: Credit card

There are XXXX issues at play. 


1 ) My card was fraudulently charged in XXXX ( XXXX charges for XXXX rooms for XXXX night 's stay at a XXXX XXXX XXXX ). I opened up a fraud case with Capital One. 

Their rational to keep the charges was that the company " charged the card which served as an authorized charge ''. I did not sign, run the card, etc. And yet they are still charging and counting them as valid charges. 

2 ) I tried to resolve the above with XXXX XXXX XXXX. After he was unable to help, I tried to close my account and I was told it would be closed. It was not closed and it remained opened. Please review call logs. 

3 ) I finally closed my account with another agent a week later XXXX XXXX XXXX. He was able to close my account, but he only asked if I wanted to forgo my Rewards Balance. Not if I wanted it back, it could be mailed, etc. Only if I wanted to forgo it. This is unethical at best, illegal at worst. 

He was able to close my account ( hopefully ). I just got off the call with him. 



p.s. Capital One has since DELETED access to my statements to show you the fraudulent charges from XXXX
Product: Vehicle loan or lease

I purchased this car in XXXX and have been paying up until XX/XX/XXXX. That is 8 yrs and 2 months. More than my original loan term which would have included the deferred payments aswell. On my account and reps told me I had paid off. Then all of a sudden they wont release my lien and add an additional XXXX in fees. This is not okay and they should actually owe me money back I paid over XXXX. Then they try to call and negotiate to XXXX in fees knowing well that I have paid off in full it even showed on the app and now they added it as delinquent. Please help me and have them release my lien as I have paid over what I was suppose to since XXXX
Product: Credit reporting or other personal consumer reports

Hi I spoke with TransUnion, XXXX also XXXX credit bureau and ask to remove any hard inquiries from my credit report along with any false information that wasnt authorized by me and they stated I needed to get a report from the ftc and then theyll remove those items requested
Product: Debt collection

I received a collections notice that stated that I had until XX/XX/XXXX  to dispute debt and they must stop collection. On XX/XX/XXXX  I sent in a dispute about the exact amount owed not being {$710.00} to XXXX for 2 months of usage. I was informed that I should hear back within 7 days to continue the investigation. On XX/XX/XXXX  this debt was added onto my credit report without any other notices or contact. On XX/XX/XXXX  I received a letter stating that the creditor sent information to validate debt. I was never given an additional 15 days to continue dispute. I actually only paid {$630.00} after disputing directly with XXXX on XX/XX/. I was not given my allotted time to dispute and discuss the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX, Transunion and XXXX I am writing to dispute the following information in my credit report file. 

The information on the XXXX XXXX XXXX XXXX for {$17000.00} was charged off as bad debt and is inaccurately reporting because it was included in my bankruptcy. 

I am requesting that the item be removed immediately as Section 809 of the Fair Debt Collection Practices Act speaks about statute of limitations for tradelines to appear on credit reports. 

Please reinvestigate this matter and delete the disputed item as soon as possible.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX, issued withdraw to bank account from the website via sepa transfer. Should arrive in 1-2 days as usual. 

XXXX XXXX, issued a ticket on the website it did not arrive. Status on website says Pending, not Completed. 

XXXX XXXX, asked again for a response. 

XXXX, received a copy paste message about a different subject ... Deposit instead of withdraw. 

XXXX, posted again Till this day no response. 

Ref Id. : XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I am submitting this complaint because PayPal has repeatedly denied my applications for their Pay in 4 installment loan program, citing Previous fraudulent activity on PayPal Pay in 4 as the reason. I believe these denials are unjust and discriminatory, as they penalize me for reporting fraudulent activity on my account, which is a responsible action taken to protect my financial integrity.

Below are the relevant details of my applications and PayPals responses : 1. Application Date : XX/XX/XXXX Denial Reason : Previous fraudulent activity on PayPal Pay in XXXX. 
Reference Number : XXXX XXXX XXXX XXXX XXXX XXXX  Denial Reason : Previous fraudulent activity on PayPal Pay in XXXX. 
Reference Number : XXXX XXXX XXXX XXXX XXXX XXXX  Denial Reason : Previous fraudulent activity on PayPal Pay in XXXX. 
Reference Number : XXXX XXXX. Application Date : XX/XX/XXXX Denial Reason : Previous fraudulent activity on PayPal Pay in XXXX. 
Reference Number : XXXX XXXX. Application Date : XX/XX/XXXX Denial Reason : Previous fraudulent activity on PayPal Pay in XXXX. 
Reference Number : XXXX In each instance, PayPal has cited the same reason for denial, without further clarification or investigation. I have acted in good faith by reporting fraudulent activity in the past, and I should not be penalized for doing so. Reporting fraud is a responsible action and does not reflect poor creditworthiness or financial risk.

Today, I contacted the PayPal Pay in 4 department to discuss these repeated denials. The representative informed me that the online Pay in 4 application is an automated system, and there is nothing their employees can do. This indicates that the decision-making process is entirely automated, leaving me with no recourse to have my situation reviewed or resolved by a human.
Product: Credit reporting or other personal consumer reports

I am outlining the harm Ive experienced due to XXXX, XXXX ( XXXX ) repeated erroneous derogatory reporting to the credit bureaus. Despite XXXX assurances that the account would be corrected, the derogatory status continues to appear, as evidenced by a credit denial from XXXX dated XX/XX/2024, which cited my credit score as a primary reason for rejection. This denial and the ongoing inaccurate reporting have negatively impacted my financial standing.
Product: Checking or savings account

I have already filed 2 complaints with USAA, and I filed one complaint with the FDIC, who referred me to Consumer Finance.gov. The FDIC stated they forwarded my complaint to your department. On XX/XX/XXXX, while my wife was sick with XXXX and Flu-B she transferred {$1100.00} into our USAA account XXXX XXXX, XXXX our XXXX bank account so I could pay our auto insurance bill with USAA. Also on the XXXX she unwittingly answered a spam call and quickly hung up. Later that same day someone named XXXX XXXX recived {$1000.00} out of our USAA account. Neither my wife, nor I know this person, and we did not approve this transaction. On XX/XX/XXXX, when I went to make our insurance payment, I noticed this money missing as well at other transactions which had occurred earlier in the day on XX/XX/XXXX : a transfer of {$1100.00} into our USAA account from we don't know where/ or who ; then four more XXXX transfers out of our account to people we do not know and obviously did not approve, {$200.00} to XXXX XXXX XXXX {$230.00} to XXXX XXXX XXXX {$500.00} to BrynGarrity, and {$570.00} to XXXX XXXX. Again we do not know any of these people, and did not authroize these transactions. When I spoke to a lady in the fraud dept for USAA she told me the transactions were initiated from my wife 's phone and were under an IP address associated with our physical address. She said the memo line stated 'puppies, ' and that this seems like an issue I'd need to take up with my wife, insinuating my wife used our auto insurance mone to purchase puppies. When I told the lady my wife did not spend money on puppies, that we already have dogs and have no desire for more, she became argumentative and insisted my wife is the cause of the missing money. She also stated USAA is not going to take responsibilty for the money their faulty security system allowed to be stolen from my account. Another customer service person I had spoken to previously stated this is a common problem through XXXX and banks can barely stay ahead of the criminals. Why do I have to go through insane security to speak to someone in customer service, but some criminals can easily steal money from my account? Then why is that theft blamed on my family when I, and my wife, are willing to sign an affidavit stating we did not authorize those transactions. Documents from USAA I received refernce claim # XXXX & XXXX.
Product: Credit card

I posted my credit card payment the day it was due, XXXX XXXX. However, I live on the West Coast and was not able to do so until after XXXX, or after XXXX Eastern. As a result I was charged a late fee and interest. When previously trying to pay my bill, their website was often down, preventing me from doing so. I paid my bill on the correct day, and was still charged a fee, despite never having been " late '' before. I called customer service to find out what happened and this was what they explained to me.
Product: Credit card

I, XXXX XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 
JPMCB CARD XXXX .... & JPMCB CARD XXXX ....
Product: Mortgage

Back in XXXX we switched bank accounts and had to contact our mortgage company to inform them. We are enrolled in the budget program, in which they split our monthly mortgage and we pay twice a month. We have called the mortgage company EVERY WEEK since XXXX ( it is XX/XX/XXXX ) about our complaint. The main issue, at first, was that they, for some reason, could not switch our payment to come from our new bank account. They kept saying it was on the bank 's end and that our bank account was closed, which it was not. We followed up with the bank and, of course, our bank account was open. The problem seemed to be that no matter how many times we gave them the new bank information, EVERY single time they entered our old bank info ; therefore, our payments were not coming out as directed and were late. After hours upon hours on the phone with the mortgage company and MANY " supervisors '' later, they FINALLY " fixed '' the problem. Or so we thought. On a random day, WITHOUT OUR APPROVAL, the company deducted the full amount of our mortgage from our bank. We had absolutely no idea this was going to take place ; therefore, sending us into overdraft. Which in turn produced hundreds of dollars worth of overdraft fees. It seems that no matter what we do, we can't catch up. We are constantly having issues with this company and constantly getting fees with our bank because of their careless mistake. The mortgage company said that because we faxed the " wrong '' paperwork ( which isn't true, because they gave us the papers to fax MULTIPLE times -- I faxed probably around 5-6 times ), they decided to take out our full payment and remove us from the budget payment plan. We are BEYOND infuriated, mentally/physically/financially exhausted. I would never, ever recommend servicing your mortgage through this loan company. The amount of stress this company has put on our family is unbelievable. We have lost countless dollars and countless hours with our children sitting on the phone with a different person that knows absolutely nothing about anything.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX is called Equifax and spoke with Supervisor XXXX case # XXXX to follow up on the status of the 605B dispute submitted on XX/XX/XXXX via the CFPB complaint # XXXX. I called back on XX/XX/XXXX and spoke with supervisor XXXX case # XXXX and he told me the dispute is still under investigation. I reminded him of that. I submitted a 605B deletion request to block fraudulent information from my credit report. I included a sworn crime report, proof of identity, and proof of address. However, it has been 5 days, and I have not seen any action taken. under FCRA Section 605B, this request should have been processed within 4 days. I believe my request is being incorrectly treated as a regular dispute. I am requesting that you manually process my 605B deletion request. I want to file an internal escalation complaint against the management and supervisors who have failed to act on my request. under FCRA 605B, no further validation is required from creditors once Ive submitted an identity theft affidavit and supporting documents. This raises concerns about whether the investigation was conducted lawfully. I submitted a complaint to the credit reporting agencies regarding certain accounts that I believe to be inaccurate and the result of identity theft. I expected a thorough investigation as mandated by the ( FCRA ). 
However, in their responses, the agencies claimed these accounts were " verified '' without providing the actual sources or evidence of their verification process. According to FCRA 611, I request that the credit reporting agencies reinvestigate the items in my initial complaint. Specifically, I am asking them to : Provide the source of information they relied upon to verify the accounts. Suppose the credit reporting agencies can not provide a valid source for their " verified '' response. In that case, I demand that they delete all contested items from my credit report, as they can not legally claim verification without proper investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over this past weekend, XX/XX/2020, I received an email alert stating that my credit report dropped 84 points! Obviously, this will get anyones attention for concern so I immediately logged in to all of my credit report accounts to do my research. I recently opened disputes for errors on addresses that were not mine and old inaccurate data. 

I was in the process of getting financial funding for my startup, so the past year I have been focused on paying off all my debt with an exception of my large installment loans such as my 2 car payments and student loans which are all in good standing, as well as I did pay down all my credit balances and am now at credit to debt ratio of 16 %. 

I have called the the 3 credit bureaus and they all couldn't figure out why my score dropped 84 points. They saw that my credit to debt ratio was low, have paid off my charge off accounts from when I hit hard times a few years ago due to a move, and all my accounts have been on time and up to date the past couple of years. 

They even mentioned, even though there were old delinquent accounts that haven't fallen off, they have been paid in full, as well as had still been on my report prior to the 84 point drop. 

No one could figure out why as well as didn't have any solutions because they haven't seen this, so here I am trying to fix the problem and get my newest score back of XXXX that I have worked so hard to get to, as well as complete my next step for my startup funding that was about to get approved until this drastic Change. 

Please Help me resolve this as well as with all 3 bureaus who couldn't figure out why it happened. I really appreciate your time. 

Stay safe.
Product: Mortgage

I called Nationstar today to follow-up with the modification application I applied for XXXX XXXX, XXXX. In speaking with the representative, I learned that my property had a sale date for today, XXXX XXXX, XXXX. This was surprising news to me because I never received a notice in the mail or by certified mail of this action. The representative emailed me a supposed notice from XXXX XXXX, XXXX about the property 's sale ; however, the alleged notice of sale she emailed to me did not have my mailing address or my property address on it ; nor did it have a sale date. Besides, when I spoke to the Nationstar representative after my modification denial letter on XXXX XXXX, XXXX he told me my mortgage account would be on hold 30 days after this denial letter ; and then another 30 days for the published public notice. 

I need clarity on how my property was up for sale without me being notified and without proper procedures.
Product: Debt collection

I was a victim of identity theft. I submitted a police report to this company verifying that I was a victim of identity theft. Collection account is reporting unpaid with {$0.00} balance. Company refuses to remove collection from my credit reports even after verifying that my address is not the correct address that they have on file.
Product: Checking or savings account

On XX/XX/2020 a payment in the amount of {$550.00} was posted to my account from XXXX XXXX. I immediately contacted them and was told it was an error and the transaction would be reversed because I didnt authorize the payment coming from my card. I didnt even know they had my card on file. I filed a claim on XX/XX/2020 with Wells Fargo and was told that they would not pursue my claim because I had done previous business with XXXX
Product: Credit reporting

I requested that ChexSystems remove an erroneous address ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX ) from my ChexSystems report. It seems ChexSystems is refusing to respond or remove the offending information.
Product: Credit reporting or other personal consumer reports

To my frustration, I found an unauthorized inquiry on my credit report this morning, which was never there before. I always check my report, yet this time, I was met with an unexpected and distressing discrepancy. Hoping it was just a system error, I refreshed my browser, but the issue persisted. I need this resolved immediately, and I insist that my documents be reviewed carefully so I no longer have to deal with this stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Lockhart Morris is ignoring FCRA violations despite certified mail disputes
Product: Vehicle loan or lease

I have a loan with ally bank I had not received any statements for well over XXXX months so I entered a formal billing dispute and withheld payment following ucc and cfr laws I also notified a them and they say they never received my correspondence nor the remittance coupon for the remainder amount of XXXX. They didn't respond to either so following the law I had also notified them per ucc the no adverse action could be taken until the issue was resolved and since the check wasn't returned I waited in good faith believing they had accepted the check for value being that it wasn't returned nor was any notification sent to me about repossession. They did take the car and now say it's my fault. So so far I have filed a police report. And would like my property returned because the did receive my certified letter and were given the allotted time. But as far as I'm concerned I still have no resolution for my billing dispute and I followed the law. Yet they are in dishonor and the alloted time expired so according to law the balance should go to XXXX. But they say the laws don't pertain to them and went ahead with adverse action of repossession. And I would like my property back. I sent certified mail to ally with the formal billing dispute on XX/XX/2022 they received that and the XX/XX/XXXX and XXXX. And I claimed the remit coupon and was made out for the balance remaining. And received nothing and so as the law states I believed in good faith they accepted it since it wasn't returned or no statement to the contrary
Product: Credit reporting, credit repair services, or other personal consumer reports

this is getting ridiculous, I have sent a complaint that i am a victim of identity theft and for the XXXX TIME EXPERIAN KEEPS SENDING THE SAME MESSAGE AND ASKING FOR THE SAME DOCUMENTS THAT I SENT NUMEROUS TIMES, IS THIS A AUTO RESPONSE? IS NO ONE IN EXPERIAN XXXX, PLEASE HELP
Product: Credit reporting or other personal consumer reports

XX/XX/year> To Whom It May Concern : I am writing to dispute obtained personal information appearing on my credit report maintained by your bureau. I have reviewed my credit report and found there are several inaccurate data points within my personal identification which you are reporting. 

Below is the personal information that needs to be reviewed and potentially removed or corrected from my credit report : My only name is : XXXX XXXX *Please delete any other name/s you are reporting that does not match. 

My only address is : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX *Please delete the following addresses you are reporting that does not match nor belong to me : 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 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 *I do not wish for my telephone number to be listed. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. I am requesting that you investigate the discrepancies mentioned above and promptly remove or correct any inaccurate information from my credit report. 
Enclosed with this letter are documents that verify my correct personal information, including supporting documentation. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. 
Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I would also like to request that you please send notices of corrections to anyone who received my credit report in the past 6 months. 

Please correct this information as soon as possible and send me an updated copy of my report to the above address. 

Sincerely, XXXX XXXX