23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Report information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am writing to formally request assistance in addressing an issue with US Bank National Association regarding their decision to decrease my revolving credit limit by {$1000.00}. This decision was reportedly based on information provided by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX U.S. Bank stated ; your credit score was XXXX based on information in my credit report. 
It further states the key factors that impacted my score were : Too many recently opened bank card accounts, Too few joint accounts, Too many inquiries, Monthly obligations are too high. 
I was directed to contact XXXX if I had any questions. 
Verification of Inaccuracy : After contacting XXXX on XX/XX/XXXX and reviewing my credit report in which I keep all credit reports frozen. I found no such information that would justify this decision. 
XXXX also confirmed that all of the information cited by U. S. Bank was incorrect and does not reflect my actual credit report. XXXX stated that the credit score on file on XX/XX/XXXX was XXXX and my account was in good standing concerning the other factors that led to this decrease by U.S.Bank Despite this and after speaking with three different representatives at U.S. Bank including a supervisor ( lanna ) reference number XXXX, I was directed back to XXXX to file a dispute without any offer of a resolution. 
The unjustified reduction in my revolving credit limit has negatively impacted my credit utilization ratio, potentially harming my credit score and financial standing. It has also caused unnecessary stress and inconvenience. 
I believe U.S. Bank 's actions are not only unfair but may also violate the Fair Credit Reporting Act ( FCRA ) which mandates the accuracy of information used in credit-related decisions. Their Refusal to correct this error despite my efforts to provide proof of the inaccuracy further exacerbates the issue. 
I am seeking assistance to investigate U. S bank actions and ensure compliance with FCRA requirements. I further request the bank to restore my revolving credit limit to its previous amount. 
I appreciate your time and attention in this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed the late payments reported on my credit report by this company XXXX XXXX with experian and nothing was corrected. 
I took out a small personal loan with XXXX XXXX over the summer. I have their app as this is the only way to use their services. When using the app, you are given the option to create a payment arrangement if you need to change the repayment dates of your balance due. Due to being financially affected by COVID 19 - I live in California and it has been bad here - I went on their app and made a payment arrangement that was approved by them. My loan was current at the time I modified my payment plan. Upon checking my credit report, I found that XXXX XXXX reported late payments on my credit due to a few of my payment dates landing after the 30 day timeframe of an otherwise " on time '' payment. I reached out and spoke with a representative named XXXX who advised that being that I did not specifically sign up for their forbearance plan, which I had no knowledge of as this was not advertised at all anywhere on the app pages. I found out that you have to search the FAQ section in order to locate this info, and was told that they can report late payments to my credit report even if I was current when I created the alternate repayment schedule through their app, because it was passed the 30 days. Per the Cares Act, if ANY accommodation is made in relation to repayment of the loan, ( for example, partial payments, forbearance, modifying, or any other relief ) Under the cares act, when a creditor agrees to a new payment plan with a consumer who was current at the time of the new arrangement, the creditor must continue to report the account as current. My account has since been paid off, and I find it absolutely disgusting that during this time, a loan company would be so determined to add to the ruin of people by not following the law. They claim that I was not current due to the payments being scheduled after the 30 day threshold, which is not accurate. My payment history with this lender needs to be updated to all current payments, and paid in full. The negative payment history needs to be removed immediately per the CARES act, that they keep ignoring. I have provided them with the information from the act, but I was told I was wrong. Report my account as current, and remove the late payments from my payment history. I was affected by covid and used the tools available by the lender to reschedule payments. This is affecting my ability to buy a home for my family.
Product: Credit reporting or other personal consumer reports

There is NO ONE to speak to in order to cancel auto billing of credit monitoring You are forced into voicemail XXXX with no way of getting out, no one to speak to. It is infuriating and clearly a way to not cancel
Product: Credit reporting, credit repair services, or other personal consumer reports

I have account Experian several times for over a year disputing the ownershio of an XXXX XXXX University. XXXX XXXX University is systematically and fraudualently continuing to report this account information to bring harm to my name. I would like the computer fraud to stop. Experian is collecting money from companies like XXXX XXXX at any cost. Please stop.
Product: Credit reporting or other personal consumer reports

Consumer Have asked and asking the company to please send a copy of the written off & charged off for the proper XXXX filing. XXXX XXXX complied nor a statement of why or why not.
Product: Debt collection

I received a phone call attempting to collect on a XXXX XXXX loan for an amount of over {$9000.00}. The caller threatened to repossess my car ( a vehicle which was paid off and subsequently sold over XXXX years ago ) and/or other possessions, and take other legal action if I didn't respond within XXXX hours. 

I did call back just to see what would happen, and the person repeated the same line. I told him I'd be here waiting for someone to show up at my door and serve me, but I wouldn't wait long because this is XXXX and a scam. I've never taken out any XXXX XXXX. I told them never to call my number again. 

The main phone number was XXXX, and they called back using a local number, XXXX ( which comes back to a town just outside of XXXX called XXXX, XXXX ). The representative who spoke to me ( they gave no business name ) was named XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX  XXXX Bankruptcy XXXXXXXX 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

Experian sent me a notice saying that my address had been altered on my credit report, based on information supplied by a creditor. This was erroneous info. When I checked my report I found that I was " also known as '' variations of my name that I have never used. I complained, and Experian corrected my report, but e-mailed me a report that has a " variation '' of my SS # recorded, which I also have never used. I think it is a great wrong and misuse of power for credit reporting companies to accept false or mistaken info from creditors, some of whom the consumer may not want looking at his report because he does not desire to do business with them.
Product: Credit card

So I signed up for the American Express XXXX XXXX Preferred card which pays 6 % cash back for groceries, 3 % cash back for fuel/gas station and 1 % for all other charges. There are more perks to the card as they advertise, but I mainly applied and received this card for fuel/gas purchases and groceries purchases. 

I applied and received this card in late XX/XX/year>, and upon receipt of the card I started using it for my daily purchases. As I was reviewing my statement and cash back rewards, I noticed that I was only receiving 1 % cash back for my fuel purchases. I immediately called and spoke to a CSA and was told that XXXX XXXX stations didn't apply for the 3 % cash back, due to them being classified as a supermarket. I stated great, since it's classified as a supermarket I should be receiving 6 % cash back. Clearly in the terms and conditions and explanation of benefits I received and viewed when I applied for the card, I should be receiving more than 1 %. Please note that XXXX 's is me and my family main store for groceries and fuel/gas. 

The title American Express has on my credit card statement clearly shows that XXXX XXXX was the location and where the purchase was made. But yet, American Express states that they are not paying the 3 % as agreed upon in the agreement with the card benefits. They also stated that if I cancel due to this reason, then my American Express profile possibly could be affected due to opening/closing accounts within a one-year period. 

All I am asking for is the cash back that I have earned, and I am entitled to per the terms and conditions of my agreement. I offered to send in receipts for fuel purchased, showing that all purchases at the fuel station were in fact for fuel and not convince store items.
Product: Debt collection

I XXXX XXXX entered into a consumer credit transaction with XXXX XXXX At The Avenues on XX/XX/2020. A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 usc 1605 a finance charge is the sum of all charges I was not expecting a bill. On XX/XX/2020 Capital One Auto Finance sent me a letter attempting to collect a debt. 

I have sent Capital One Auto Finance to investigate the account and provide verification, Capital One Auto Finance did not comply and is in violation of 15 usc 1692g ( 3 ).

Capital One Auto Finance has also threaten to repossess property belonging to me, which is a violation of 15 usc 1692d ( 1 ).
Product: Debt collection

Caine and Weiner keeps reporting inaccurate information on my credit for a debt that is not mine. I didnt receive any written notification about the debt. My credit file says its XXXX XXXX XXXXXXXX. They even noted on my credit report that original creditor cant find individual, yet they keep reporting the fraudulent information on my credit. 
When I try to call them I cant verify the personal information so they cant help me. Bottom line is its not my debt and they never provided debt validation per my request, therefore the debt must be deleted from my credit report.
Product: Credit reporting or other personal consumer reports

On or about XX/XX/XXXX - XXXX I attempted to purchase a car. The salesman showed me a copy of my credit repot that displayed derogatory credit reporting as far back as XXXX  including : multiple credit cards in dispute, and XXXX XXXX dollars in student loan debt. 
It also showed every dispute that I have ever made throughout my lifetime, and I am XXXX XXXX of age. 
This is a gross XXXX of justice and i am requesting an immediate investigation into false credit reporting. 
I do not owe over XXXX in student loans, and I do not have ANY credit cards in dispute. The last credit card I disputed was XXXX when during the Pandemic and mail was slow they reported me 30-days late with my payment, and that has since been corrected over one year ago. Why would XXXX XXXX been showing, " In dispute ''? I am asking the credit reporting agencies to correct this false reporting. I am beginning to question if my credit report is entangled with someone else? I am a XXXX  citizen, XXXX of age and I find this error debilitating and stressful. I am asking for an investigation and correction of all three bureaus.
Product: Consumer Loan

The XXXX cadillac was wrecked XXXX/XXXX/XXXX. Ally was notified on XXXX/XXXX/XXXX that the car was total loss by XXXX insurance. At that time the insurance company requested the necessary documentation for the title. I completed my POA and returned to XXXX before XXXX/XXXX/XXXX. On XXXX, I received a call from Ally 's collections department. I advised the rep of situation and stated the check should be sent to pay off the debt. I called XXXX on XXXX, they stated all the documents had not been received and that Ally is known to send half of the information however the rep stated would request again. I received another call from collections and advised them again that this was to be taken care ... long story short - I have been on the phone with Ally and XXXX for several hours each week to get resolution. Finally on XXXX a check was over night to Ally. I get collection call on XXXX from Ally, I ask why are you calling a check was sent and signed by XXXX XXXX on XXXX at XXXX. Of course no body knows! Then I am finally told it takes 2 to 3 business to post payment. Ally 's customer service is horrible and this should not reflect by credit history negatively. I should not have to spend hours on the phone regarding paper needed to pay off a loan. This type of procedure should be common procedure that loan companies and insurances deal with all the time, but ever one just wants to point the finger at the other.
Product: Debt collection

According to the law, a debt collection agency can not collect interest on debt if that was not part of the original agreement. They are attempting to collect interest on a medical debt that has no original interest applied. They are also trying to collect on a " no show '' fee for an appointment that I DID cancel, as evident by my cell phone statement and the outgoing call log.
Product: Vehicle loan or lease

The issue is with GM Financial. 

The lease on my XXXX XXXX XXXX was about to expire, I had the inspection done about 3 weeks before the car was due to be handed in. The excess wear and tear items were : 1.  Damaged Car Emblem 2. Missing charger 3. Missing spare key 4. One tire with too low tread. 
Total : over {$850.00}. 

I figured I had 3 weeks to clear these up. So. 
1. Emblem was just covered in plasti dip, so I removed it. 
2. The charger was at home, the inspection was done at work. 
3. The spare key was at home, the inspection was done at work. 
4. Got the tire replaced with a used that had more tread. 

I returned the car to the dealer, who had no issues, they checked the spare key and charger, both of which I supplied to them Today, I got a letter from GM Financial, requesting the full amount. I called them and they were not interested to hear that I turned everything in, and insisted it was my job to prove it all. I don't have the car anymore, I turned it in about a month ago. 

The guy who did the inspection said that I would be fine and just make sure I return the charger and key when I give the car back. 

This is clearly a rip off. I even washed the car before giving it back.
Product: Credit reporting or other personal consumer reports

I have Called transunion XXXX  times in the past XXXX  months to keep getting a XXXX XXXX  XXXX  that I do not and have not worked for removed from my credit report. I stated my only employer that should be listed is XXXX XXXX. Each time they have removed it and placed it back.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern looking at my credit report I noticed some errors in the reports by Experian, XXXX, and XXXX. 

1. Personal information on my report that is not minds ( Names and address ) .I live in XXXX XXXX Presently for the last 8 years. Havent live in XXXX XXXX XXXX  or XXXX XXXX XXXX. 

2.Student Loans from XXXX for XXXX dollars starting on XX/XX/16 and another one from XXXX for XXXX starting on XX/XX/16. 

3.Old information and accounts over seven years keep appearing up.
Product: Credit card or prepaid card

In early XX/XX/2021 I noticed four unauthorized charges on my Citibank Costco credit card totaling {$2100.00}. All charges were dated XXXX, three were to the XXXX XXXX and one was to the XXXX XXXX XXXX. Neither my wife or I have ever been to a professional football game or a XXXX XXXX XXXX baseball game. 

I immediately contacted Citibank and reported the charges. They sent me some dispute documents which I filled out and returned. 

On XXXX I received a letter from Citibank dated XXXX stating that their investigator has determined that I placed the order and was responsible for the charge. It also advised that if I did not pay they would report it to the three consumer reporting agencies. 
The letter was unsigned and no contact information was on the letter. 

On XXXX at XXXX I contacted Citibank ( via their customer service number ) named XXXX XXXX who claimed to be a supervisor but was unable to locate the Investigator who handled my dispute or provide his name. 

I am a retired XXXX ( OH ) Police Department Detective ( XXXX yrs service ) and was the XXXX XXXX at the XXXX XXXX ( OH ) for 17 years. I have extensive experience in XXXX XXXX investigations and Fraud and Economic Crimes investigations, including credit card and related crimes. 

I know I am not responsible for the fraudulent acts of other on my credit card but it appears to me that Citibank is trying to " bully '' customers into paying for fraudulent charges made on their credit card.
Product: Credit reporting or other personal consumer reports

I sent Experian a letter on XX/XX/year> with certified mail, to provide information on how they went about verifying the various reports on my account, which I got no response. I have XXXX fraudulent reports on my credit report which was done by XXXXXXXX XXXX XXXX, I called XXXX XXXX XXXX and ask them about the fraud reporting and they said they don't why it got reported on my credit file because they could not verify it. I expressed this fraudulent activity to Experian and they have done nothing. I have written to Experian asking them not to give out my private information, and on XX/XX/year> after that, a Company called " XXXX  '' called me stating that they got my information from Experian, which I told Experian specifically not to do. 
I have written multiple letters asking Experian to update my information and to correct all the discrepancies on my report but to no avail. I have tried multiple times to call but there is no one to speak with at Experian, you only get an automated system. Experian has tarnished my character and has done damage to my quality of life, which is cause for litigation.
Product: Debt collection

I received a letter from Associated Credit Services Inc about a bill that I have never received from XXXX XXXX XXXX XXXX. There is not date of when this had happened on the letter.
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 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Hello CFPB! Hope you guys are doing great! Please forward the following documents to GM Financial. Thank you and be safe!
Product: Credit card or prepaid card

On XX/XX/2022, I applied for an extension of credit through Goldman Sachs and was sent a denial email. They violated my federally protected consumer rights : 15 U.S. Code 1642 15 U.S. Code 1681M 12 CFR 1002 I have been discriminated against and I am now seeking for this company to rectify this situation that they are now liable for.
Product: Credit reporting or other personal consumer reports

My student loans were forgiven through XXXX. I have a letter dated XX/XX/XXXX stating my loans are forgiven and a Discharge dated XX/XX/XXXX stating that the forgiveness goes back to XX/XX/XXXX - I actually have a negative balance and they owe me {$9000.00}. In the letter dated XX/XX/XXXX, they state that they have notified or will notify the credit bureaus. That has not happened. 

But all I want from them now is to report to Experian, XXXX and XXXX that my balance is {$0.00}. When I called the representative said within XXXX days and there was nothing that I needed to do. It has already been XXXX days. I have called both XXXX and Dept of Ed after sitting on hold for hours. I have sent several follow up emails to both. I am now not even getting a response acknowledging my email. I want my credit report to be accurate.
Product: Debt collection

I submitted a 3rd letter to Fair Collections and Outsourcing ( FCO ) on XX/XX/XXXX after repeated requests for documentation to validate a debt they claim I owe per FDCPA 15 USC 1692e. Since they can not validate the debt they must remove it from all credit reporting agencies. Which they have failed to do. 

A recent lawsuit against FCO found that the collection agency routinely failed to implement proper policies and procedures to ensure the accuracy of accounts. I'm clearly a victim of the very same practices since a collection was placed on my XX/XX/XXXX. 

I do not recognize this debt and demand that this collection be immediately removed.