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

Dear CFPB, I recently started using a XXXX XXXX XXXX card that I have had since XX/XX/XXXX as it offered more points. I did not realize the limit was low ( {$7500.00} ) as compared to my other cards. I had XXXX  work and XXXX charges applied. On XX/XX/XXXX I was notified by Chase that there was a change on my credit score-my CREDIT SCORE dropped form XXXX to XXXX ... .72 points!! I then became aware of the limit and paid the entire balance ( which was not yet due ) by XXXX bill pay on XX/XX/XXXX which was processed on XX/XX/XXXX. I have contacted XXXX and been on the phone for hours. There is NO concern for this outcome and apparently they will not notify the Credit Bureaus until XXXX of the XXXX balance. I have no information how long it will take to regain my credit -- -- I was considering a new home this fall and now have to postpone as I don't know how a XXXX score would affect a mortgage. 

WARNINGS TO OTHERS : 1. I have numerous XXXX accounts and history but they do not have ANY ability to assist with problems with XXXX you are on your OWN! 
2. XXXX customer service explanations were uncaring and vague- no advise. 

QUESTIONS : 1. How long will it take now for my credit score to return to XXXX? 
2. How does it affect your credit score to discontinue the XXXX credit card? Are you better off leaving it at zero unused until XXXX discontinues it? 

Thanks CFPB for your assistance in advance. I read so many bad reviews for XXXX on XXXX and XXXX XXXX that I see I am not alone ... ..
Product: Credit reporting or other personal consumer reports

I am writing to seek your assistance regarding a matter involving a recent violation of my rights under the Fair Credit Reporting Act ( FCRA ) by a creditor. As a loyal customer of XXXX XXXX, I value the relationship I have with the bank and wish to address this issue amicably with their cooperation. 

In accordance with the provisions outlined in the FCRA, specifically detailed in 15 USC 1681, the creditor in question has unfortunately disregarded certain fundamental rights granted to me as a consumer. The violations are as follows : 1. **15 USC 1681, Section 602 : Right to Privacy** - This section explicitly guarantees my right to privacy regarding personal and financial information. The actions taken by the creditor have, regrettably, infringed upon this fundamental right.

2. **15 USC 1681, Section 604a ( 2 ) : Consent Requirement for Furnishing Account Information** - Under this provision, it is stipulated that a consumer reporting agency can not furnish account information without my explicit written instructions. However, such instructions were not obtained by the creditor, leading to a violation of this requirement.

3. **15 USC 1666b : Prohibition Against Treating Timely Payments as Late** - This section prohibits creditors from treating timely payments on credit card accounts as late for any purpose. Despite my efforts to maintain timely payments, the creditor 's actions have inaccurately reflected otherwise, causing undue distress.
Product: Mortgage

This is for our Bank of America Loan, PMI policy cancellation / removal. 

We have tried multiple times in the last 2-3 months to get the PMI policy cancelled and we have received a runaround. Despite us : 1 ) calling multiple times their designated line XXXX XXXX ) following protocol by waiting for paper mail letter as response to the call ( causing multiple delays- one instance, the PAPER letter was so delayed it escalated to sending the letter via email ( why can't the process be electronic in the first place! ) - another instance, XX/XX/year> I was told that a bank representative will call ; the call never came 3 ) sharing to their representative that we completed a significant home improvement 4 ) sharing to their representative that we have completed a property appraisal at our own expense following the previous instruction from another representative 5 ) sharing that we have not had any movement on our request to process the PMI removal - and only to be told that we can't hire a property appraisal on our own ( again, we were told that we should hire at our own expense DESPITE me asking then to confirm the advise of hiring our own because from my experience with another bank, the bank hires the appraiser. I was told " No '' - we should hire our own and so that's what we did! )
Product: Debt collection

I am receiving phone calls every 20 minutes all day long every single day. It doesnt matter what time time or day is. They are calling me. Ive made a payment to my account. I am being harassed and it is annoying. Leave me alone!!
Product: Mortgage

Among many other issues with this mortgage company they are now continuously calling my brother in law regarding my loan, yet they have not once called myself or my husband who are on the home loan, who they have contacted multiple times previously. It is becoming harassing the way they continue to call my brother in law, he is not named on the loan nor has he ever been on the loan. 
Flagstar has called him multiple times per day for the past few months with the most recent one being last Thursday XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to request comprehensive documentation regarding the legal or equitable chose in action pertaining to XXXX XXXX XXXX. 
In order to facilitate efficient proceedings and ensure all relevant information is accounted for, we kindly request the following documentation : Copies of any contracts, agreements, or instruments related to the chose in action. 
Detailed records of any transactions, exchanges, or transfers involving the chose in action, including dates, parties involved, and transaction specifics. 
Information on any legal actions, claims, or disputes associated with the chose in action, including court filings, judgments, and settlements. 
Pertinent correspondence, communications, or notices related to the chose in action. 
Any other documents or records that provide insights into the nature, ownership, or status of the chose in action. 
We appreciate your prompt attention to this request and ask that you provide the requested documentation within XXXX business days. If you require further clarification or have any questions regarding this request, please do not hesitate to contact me. 
Thank you for your cooperation and timely attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. Please state that " Ive completed these steps and please process my request per FCRA laws. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative.
Product: Credit card or prepaid card

I had approximately {$3000.00} withdrawn from my account. CHASE bank will not reimburse since they indicated my card was used. 

I didn't withdraw the money and it was performed at a teller window in XXXX NJ. 

The bank keeps denying the claim I want my funds returned to me.
Product: Payday loan, title loan, or personal loan

On XX/XX/2022, I sent a XXXX XXXX XXXX to Initiate Electronic Funds Transactions to Elk Lending, LLC DBA Elk Lending. On XX/XX/2022, Elk Lending used an eCheck to debit {$210.00} from my bank account. This transaction was not authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

*THIS IS NOT A DUPLICATE RESPONSE* XXXX Bank believes that their company policies and procedures supersedes federal laws. After making XXXX Bank aware of the numerous federal laws that they are breaking under the FCRA, XXXX XXXX XXXX XXXX, XXXX and commiting Aggravated Identity Theft, they confirmed that they will continue to break federal laws to cause me hardship to defame my character as a consumer operating in commerce. They are disregarding my right to privacy for the best interest for them to extort me on extension of credit. Im making the XXXX XXXX XXXX XXXX ( FDIC ) and the Federal Trade Commission ( FTC ) aware of their unfair deceptive practices also! *see attachments*
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX XXXX/ XXXX XXXX Date XX/XX/XXXX Balance {$0.00} XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX  XXXX XXXX  Opened Date XX/XX/XXXX Balance {$17000.00} XXXX XXXX Balance {$0.00}
Product: Checking or savings account

On XXXX I fell victim to scammers upon applying a personal loan online I was approved up to XXXX I was told that they had sent me overpayment In error and it needed to be returned to them which I did verify with my bank the over payment was there but later found out the scammers managed to stop payments on several mortgage payments to make it seem as a deposit and over payment of XXXX which the demanded be sent back to them after numerous calls and messages. I called Citibank to verify no fraudulent activity and was told all seemed normal so I proceeded to return the money as they were very persistent. Now Citibank is saying I am responsible and need to get money back from scammers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX  XXXX {$3500.00} XXXX  XXXX {$2000.00} XXXX  XXXX {$4000.00} DTEDXXXX XXXX {$5500.00} XXXX XXXX {$85000.00}
Product: Debt collection

There is a very old account that is past the statute to report. I have disputed this several times and still nothing. This is against the law and violating my rights
Product: Credit card or prepaid card

My XXXX XXXX XXXX XXXX card had been hacked. Someone fraudulently stole a total amount of {$800.00} out of my card account. 
On XX/XX/XXXX, an ATM withdrawal of {$300.00} was fraudulently taken. Then, on XX/XX/XXXX, an ATM withdrawal of {$500.00} was taken out of my account. 
I opened up a claim with Bank of America. Bank of America have denied my claim. 
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  my husband of 12 years has to pay the bills, do the grocery shopping and withdraws money from my account to make our purchases so we can live. My husband and I are the only ones who has access to my account and know my pin number by memory. My husband is my official caregiver. 
That money that was stolen from me was supposed to pay two very important bills that I yet to pay because I don't have the money now to pay it. 
I have made a Police Report and obtained the Police Reports transaction no : XXXX. 
B of A claim no : XXXX. 
I am filing a complaint with Bank of America to please refund my money of {$800.00}. 
Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

After multiple phone calls with Experian. 
Mailing in XXXX and copies of drivers license and utility bill. Experian failed to update my current address. 

The other credit Bureaus did it on phone and corrected with XXXX hours. 

Unfortunately, the lack of customer service and professional care. Made this not possible. I have been working on this for months now. 

Why don't Experian verify you by text like the other XXXX? 

I need my current address updated immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX I am requesting a formal complaint be issued against Experian for lack of customer experience, professionalism and just plain ineptitude. 



XXXX
Product: Credit reporting or other personal consumer reports

It seems that my credit file has been compromised once again. While reviewing my records, I discovered numerous items that do not belong to me. As a diligent researcher, I found that Section 605b of the FCRA legally obligates you to remove and block any items identified as resulting from identity theft. The disputed items are not mine. I have attached the necessary FTC Report, which I learned through further research is required by both parties. Please block and remove these files. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$370.00} XXXX  XXXX XXXX Balance Owed : {$750.00} XXXX XXXX Balance Owed : {$9800.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$3100.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

I have been the victim of my personal information being exposed to the public as result of several data breaches. 
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 XXXXXX/XX/XXXX
Product: Student loan

My student loans are managed b y Navient. A year or two ago, I spoke with customer service representatives and I was informed that I would receive at least 30 days notice from Navient should the interest rates on my student loans change. I did not receive any notification, not an email, a letter or any flag on my account when I checked my account online. One loan changed from 5 % to 6.875 %. I believe this is not a transparent way to conduct business. It feels as though Navient hopes consumers would not  notice because the student loan balance is so high. I expect some type of notification whenever my account is changing.
Product: Credit reporting or other personal consumer reports

They should have been showing that I had a {$10.00} balance it's been reporting for more than a month that it's more than that
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax I has violated my consumer rights causing me stress and financial injuries Equifax violated my consumer rights under 15 USC 1681b ( 2 ) I never gave Equifax any written instructions or any consent to furnish information on my consumer report or furnish a consumer report on my behalf Which is IDENTITY theft pursuant to 15 USC 1681c-2 They have have also in violated 15 USC 1681n civil liability for willful noncompliance by furnishing information on a consumer report on my behalf causing me stress and financial injuries and also committing fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, This item ( XXXX XXXX ) is inaccurate ; my credit limit is not {$0.00}. I am requesting that this item be deleted, as it is in violation of the FCRA. 

Enclosed is documentation supporting my request ( a copy of my most recent credit report ). 

Please investigate this matter and delete the disputed item as soon as possible. 

Thank you.
Product: Student loan

I placed a forbearance on my loans and was told I was supposed to have forbearance according to my income. Due to having low income the payment plan did not apply to my forbearance with navient. So Im apply claim for the settlement that they have going on right now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America put a hard inquiry in my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I see I have another 2 accounts, I dont understand where you get from them I believe that someone have my personal information. I m disappointed!
Product: Credit card or prepaid card

IhavebeenacardholderwithAmericanExpresssinceXXXX.Nevermissedorlateonapayment.InXX/XX/XXXX,Iwas11dayslateduetobeinginvolvedinanautoaccidentandbeinghospitalizedforXXXXXXXX,XXXXandXXXXXXXX.Importanttonote;Iwasnotatfaultinthecaraccident.However,AmericanExpressusedthatreasontonearlydoublemyinterestratefrom17.99%to29.99%.IbelievethisactionbyAmerianExpressviolatesoneofthebasicprinciplesoftheXXXXCARDACT.Canyouimaginehavingyourinterestrateonanyloandoublethefirsttimeyouareafewdayslate?UNCONSCIONABLE!
Product: Debt collection

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.

I demand that the following account be verified or removed immediately : APPLE CARD/GS BANK USA In addition, please remove all non-account holding inquries over 30 days old. Also, please add a promotional suppression to my credit file.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, tro o be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Product: Debt collection

1.I have never had an account with this company COMMONWEALTH FINANCE , REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are COMMONWEALTH FINANCE the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, o
r any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to delete collection accounts from my credit report that don't belong to me. The following accounts are currently reporting on Equifax ONLY. XXXX and XXXX quickly removed these since they were not mine but Equifax just ignores my disputes. 
1. XXXX/XXXX XXXX XXXX XXXX {$660.00} 2. XXXX {$510.00} 3. XXXX {$480.00} 4. XXXX {$870.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent certified letters to XXXX  with police report attached current bill and my drivers license. All I get is account has been verified in every letter. According to my recent credit report request. All ask is send me proof from the creditor that I authorize these credit pulls on my file. There are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. VIOLATIONS OF CREDITORS & THE THREE CREDIT BUREAUS VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have inquiries on my report that do not belong to me and my identity may be Compromised. VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper  identification. The following inquirie are a result of ( IDENTITY THEFT- ). 
This company I assure you did not have my permission or neither have they obtain my signature or valid drivers license to pull my credit. If so I would like for them to produce such documents in reference to this inquire pull on my personal credit. I AM REQUESTING FOR XXXX  TO REMOVE THE INQUIRY IF THEY CAN NOT PRODUCE PROOF TO WARRANT THE INQUIRY ON MY PERSONAL CREDIT FILE.