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

I had a credit score of XXXX when I applied for a mortgage with another company earlier this year. My credit score dropped significantly when PNC lowered my credit card limit without informing me. I did not know my credit card limit was lowered thousands of dollars until I tried to make a purchase and got declined. I made a phone call to PNC. The PNC rep advised that my limit was lowered due to a drop in my credit score, although my credit score has fluctuated throughout my time having the credit card with PNC and this has never happened. I told the rep I applied for a mortgage and that my score dropped maybe XXXX XXXX. How convenient that after that phone call, I then get a letter in the mail days after stating the changes to my credit card limit. 

PNC advised that my credit card limit was lowered on XX/XX/2023 which is in the middle of my billing cycle. I made purchases before XX/XX/2023 but when my credit limit was lowered, these purchases made my balance higher than my limit. This then triggered a report to the credit bureaus and my credit score dropped significantly. When I spoke PNC and the rep made it seem like it was my fault for making purchases. I made purchases when my credit limit was higher and the purchases were approved ( possibly pending ) because the credit was there at the time.

Seeing my credit score drop significantly for no reason of my own, has caused significant anxiety, stress and trauma in my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I  am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT -- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Student loan

I 'm writing this letter in hopes of getting some resolve of my student loan balance. I mailed a letter to former President Obama and current President Trump regarding my extensive balance with Navient/XXXX Loans. I attended XXXX University ( XXXX ) and XXXX University ( XXXX ). My wages were garnished and my debt to income ratio is severely high. I 'm being told that I owe over {$500000.00} in student loans. I cant wrap my mind around such a figure. I 'm a XXXX and I barely make {$XXXX} a year. No one from XXXX or Navient are able to tell me where this balance came from. I 'm currently in a re-payment program where I pay {$80.00} per month. I was told after 10 years, my end balance will be forgiven. I need help in resolving this matter. I can be reached at XXXX for any questions or comments. Thanks for your attention to this matter. 

Sincerely, XXXX Customer/Complainant
Product: Checking or savings account

On the XXXX of XXXX my wife and I went into XXXX XXXX location which is located in XXXX XXXX Texas. The purpose was to add my wife on to the checking account and to open a joint savings account. We approach to teller name was XXXX XXXX and we informed her that we wanted to add my wife on to the account and opened a savings account. I have an account with regions I have been banking there for several years. She asked for my wife 's identification my wife produced a XXXX passport and a XXXX driver 's license which were current we were informed that my wife could not be added on to the account because she had to have a current United States identification. The law clearly states no matter what country you from as long as you have two forms of ID that are current you can open a bank account in America we were denied that service. Secondly I wanted I wanted to open a savings account I had a check for {$13000.00} I wanted to put {$3000.00} into the checking and open the savings with XXXX teller XXXX XXXX denied me the service XXXX XXXX informed me I did not have matching funds in my account therefore she could not accept the check after some disagreement she told me I could take my business elsewhere gave me my ID and my check back my wife and I left. When I complain to the manager will about the situation he really act like he didn't care and he was really nonchalant about the whole thing when I finally heard from him the only thing he really was concerned about was he couldn't give me information on what kind of action they took against the employee she kept her job no action. So we went to a branch off of XXXX XXXX XXXX and we requested the same services at that branch. And all the services that XXXX XXXX denied us at the XXXX XXXX location in XXXX XXXX Texas, we were given at the XXXX XXXX location wow really. So on XX/XX/XXXX I go to the bank to close out my savings account because I can no longer do business with regions. So I go in to close out my account I go back to the same teller who still working and put my request in the close out of my savings account. Her response was I have to check and see if we have that amount in the bank She returned and said that they had the amount but it would be in different denominations no problem as long as it's in cash. So they bring me these XXXX stacks of cash out set them on the tellers counter slide them across to me tell me to have a good day. Mind you this is {$10000.00} you giving a customer and you're not even going to count after some disagreement the manager on duty went to the back got a counting machine and counted the money for me. But I shouldn't have to request that you count my money especially {$10000.00} you going to give a customer {$10000.00} and not even count it banking practices with clients of XXXX need to be investigated at this regions because I'm sure I'm not the only one that this has happened. I was denied service because I was married to a XXXX XXXX and my wife was denied service because she is married to a XXXX XXXX  we are at XXXX  couple.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in response to your current evaluation. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. The account XXXX XXXX XXXX XXXX XXXX {$0.00} - The limit to this account was a fraction of the amount due it was stating. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.
Product: Checking or savings account

I contacted Chase Bank on XX/XX/XXXX about a fraudulent charge on my account from XXXX 's for the amount of {$210.00}. Before calling them, I went into my app to freeze my debit card. They helped me file a claim and issued a reversal credit and issued me a new card. Today, XX/XX/XXXX the charge was put back on my account and the claim was denied. I called Chase right away to see what was going on. They stated the claim was denied because the merchant provided them with information that matched my address and phone number, but the shipping address was different. They said they would not issue me a refund for the fraudulent charge. I told them this was ridiculous and that I have been with them for over 10 years and this is the first time I had to file a fraudulent claim and how could they not protect their customers and let someone take my money. The told me there was nothing they could do. I looked up the charge on my account and googled the number and it was to a XXXX 's fulfillment center. There were several reviews on XXXX for the company regarding fraudulent charges from this company. I gave them a called and spoke to someone letting them know that the charge was fraudulent to see if they could help me. They asked me if I called my bank to report this and I told them I did, and they denied my refund. They were shocked to hear my bank would not help me to get my money back. They passed along the information to another department to report the fraudulent charge on their end. Even if they would reverse the charge, I still can not get my money back because I got a new debit card with a new number. I really need someone's help to get my money back since my bank refuses to help me. Please! I can not afford to just have over {$200.00} disappear like that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon securing an updated copy of my Credit Report, I hurriedly checked to see if the items I previously disputed were removed. I am disappointed to see that there are minimal changes made on my Credit report. Even though I'm grateful for the efforts done by the XXXX Credit Bureau, the Experian and XXXX Credit Bureaus had done nothing to correct my Credit file. Despite the letters I have been sending to the Credit Bureaus, only the XXXX Credit Bureau had done the right thing to remove the fraudulent items from my Credit File. I previously sent a letter to the Credit Bureaus on XX/XX/XXXX hoping that the Credit bureaus would take the initiative to remove the items that resulted due to the theft of my Identity. I am submitting this complaint through the CFPB to remind the Credit Bureaus of their duty to comply with the FCRA regulation section 605b and delete the fraudulent items completely from my Credit File. Once again, I am urging the Credit reporting agencies to remove the following items completely from my Credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX  XXXX ( XXXX Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX {$290.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX Balance Owed : {$690.00} XXXX XXXXXXXX Balance Owed : {$630.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon review the files, it comes to the attention that there is an Error of FALSE information about XXXXXXXX XXXX Account # XXXX with the balance of {$4700.00} ( Date open XX/XX/year> ). I have No acknowledgment nor given consent permission to anyone in the institution to use my personal information to obtain or open the account to made unauthorized charges, I have reach out to the institution regarding about this matter and made sure the account open without my permission to be closed, remove and delete. As a Matter of rights under FCRA law to be in compliance, furnish-er of False information must provide any documentation that bears its original owners signature authorization and consent within 5 business days, failure to do so in the essence of time period must have the false information delete or remove before the matter is taken to the court because of Predatory Practice by the institution and the furnish-er of False information. Please taken step necessary to remove and delete prevent any account opened under owners personals information without permission nor consent.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute Regarding Inaccurate Information on my Credit Report Dear Credit Reporting Agency I am writing to formally dispute inaccurate information on my credit report that I believe in harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by the federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Equifax, XXXX XXXX XXXX for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. Theses practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. Reinserting previously disputed an inaccurate information without explanation. Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similiar manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to transunion via certified mail on XX/XX/2022 stating all of the fraud and incorrect entries they have reported on my credit report. I also attached an invoice for remedy of those violations as well. According to the FCRA the violations call for {$1000.00} fine PER occurrence. I sent the letter in XXXX and have called as well. It has been over 30 days and there has not been a resolution made. My invoice has not been fulfilled from the violations made nor has the investigation been closed and fixed on all of the wrong doings. Transunion keeps sending me multiple letters saying they are still looking into it even though it should have been resolved in 30 days
Product: Debt collection

I have a long history of dealing with Williams & Fudge. 
They have impersonated police officers & lawyers, and threatened me with arrest. 
As such I have sent them letters - plural - instructing them not to contact me by phone, and filed prior complaints with the FTC regarding these practices. 
Tonight at XXXX I received a call from their office in XXXX XXXX, South Carolina, phone number XXXX. 
When I pointed all of these facts out to their representative XXXX XXXX, she responded that they had never communicated with me before, and then hung up when I asked to speak to her supervisor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several addresses are on my file that I NEVER Lived at. I have disputed all of them but this address : XXXX XXXX XXXX XXXX XXXX, GA XXXX is linked to fraudulent accounts that I never opened including Comenity Bank XXXX I need this removed immediately. I have only lived at 2 addresses in the last 25 years. XXXX XXXXXXXX XXXX XXXX XXXX XXXX and my most recent address is XXXX XXXX XXXX XXXX ga XXXX since XXXXXXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

At around XXXXXXXX XXXX I received a text about a XXXX transaction in the amount of {$3500.00} came out of my account. About 15 min later someone from Bank of America called me specifying that there had been fraudulent activity on my account. He was able to tell me how long Ive banked with Bank of America, that I had multiple accounts, he told me my most recent deposit into my account and the phone number he was calling from said Bank of America and matched the number on the back of my debit and credit cards. So I felt it was legit. He scammed me into transferring small amounts and a larger amount by telling me one would be declined, and then it would. He had me put in a claim number as the recipient so the XXXX manager would know it was the BofA claim. After the second transaction I just knew it wasnt right and told him I was going to hung up when he asked for more money. He said hed transfer me to a supervisor and said Thank you for doing business with XXXX XXXX. He slipped because thats not the correct bank. I called and reported it tot he bank right away. The claim number he gave me was actually a phone number : XXXX and the account it transferred to said XXXX XXXX. I assume my money went to her account as it has to transfer by phone number. After I hung up the same Bank of America number tried to call back multiple times. I did not pick up.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Equifax have continuously verified accounts listed within my consumer credit report as accurate when the accounts in question do not belong to me and are reporting in error. 

The following items should be removed from my report IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are also 17 unauthorized hard inquireis listed within my consumer credit report which should be removed also. 

Please note that I have made plans to retain an attorney and provide copies of my police report, credit reports, and written statements if this matter is not resolved with the credit reporting bureaus as they never seem to take any consumers credit serious as they are making money off of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$8300.00}, XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, and XXXX  XXXX Date opened : XX/XX/XXXX Balance : {$0.00}.
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 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 602 A. States I have 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 inaccu
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports