23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Over a few months, I had made monthly payments on my {$18000.00} credit card debt ( limit of {$21000.00} ) hoping to make a big purchase. When I paid it down to {$10000.00}, Wells Fargo halved my credit limit without notice. I contacted them to request they increase it back to its original limit and was denied without reason. Their decision to half my credit limit without notice not only harmed my credit score but led to a delay in important life events.
Product: Mortgage

My summer home was sold on XX/XX/XXXX. Ameris Bank held the mortgage, and also collected escrow. They state that they paid my property taxes and withheld funds for my homeowners renewal that was not due until the end of XX/XX/XXXX. I cancelled the homeowners XX/XX/XXXX and there was a refund from my homeowners in the amount of {$360.00} paid to them. There was no reason to hold funds for a renewal policy since the home was sold. My property taxes for the county were paid by the closing attorney in the amount of {$3300.00}, and definitely not Ameris Bank. They have now owed me {$4400.00} for over 90 days. This has certainly negatively impacted my wife and I because we are in our XXXX and on a fixed income. We have documentation for all items, and respectfully request your help.
Product: Credit reporting or other personal consumer reports

The following inquiries are fraud. They are in violation of XXXX XXXX. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
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, credit repair services, or other personal consumer reports

This statement serves as a request to remove the listed accounts and inquiries from my credit report because they do not belong to me. Im preparing for a purchase and while reviewing my credit report, I noticed several discrepancies. These items need to be removed from my credit report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. There are also several inquiries on my credit report that need to be removed : XXXX XXXX XXXX XXXX XXXX/XXXX  US SM BUS ADMIN ODA XXXX/XXXX XXXX 

I've made a complaint with the FTC and attached it to this. I want to resolve this as quick as I can. Thank you.
Product: Mortgage

My name is XXXX XXXX, a Senior and resident XXXX with XXXX XXXX with complicated matters such as Mortgage and Modification. I have enlisted a Third-Party to assist with the submission of Making Home Affordable paperwork, who have submitted reams of paperwork for over two years without success. More recently, we again submitted a full and complete package using a XXXX Label provided by Wells Fargo on XXXX/XXXX/2015. We have called repeatedly, and NO LIVE PERSON will ever give an update as to the status of the Loan Modification Request. The persons who answers the phone, will direct the call to a phone number with a lengthly recorded message in very, very, low tone that is completely inaduble, with a promise to call the Third-Party. 
I am a house cleaner with limited income and is seeking a loan modification that will reflect my financials. TWO YEARS IS JUST TOO LONG TO WAIT! 
We were successful in having XXXX XXXX XXXX to Forgive the XXXX lien, This was a XXXX Subprime Loan 7.5 % Interest Rate!
Product: Debt collection

Capital Accounts sent a collection notice to me on behalf of XXXX XXXX XXXX which was a previous disputed claim - the dental company was negligent and didn't send it to my insurance until after the filing deadline had expired. I paid it anyway on XX/XX/18 in the amount of {$790.00}. I called and talked to them and they said it would be posted and cleared from my credit report in 30-90 days. Now they have posted the collection again ( twice ) on my credit report as {$790.00}. This is a predatory practice. I have the bill showing the collection amount of {$790.00} and a copy of my ACH transaction showing I paid it on XX/XX/18.
Product: Credit card

I never opened an account with you guys. You guys had XXXX accounts reporting to my credit. I called you guys on a recorded line and you guys said it was verified as fraudulent .Why are you guys still reporting this information to my credit report.
Product: Credit card or prepaid card

I recently applied for the Avant credit card from a mail in offer. My card has been declined for absolutely NO reason at all. I also have trouble accessing my account online and through the app. I have called and called and called and no answer until this morning. The Avant representative told me that many customers are experiencing the same issues as I am and they do not know when the issue will be fixed! I have only had this card for 2 weeks and I am ready to burn it!! Todays date is XX/XX/2022. I finally reached a representative for this credit card this morning and told them I am very unsatisfied with the card because I can not use it anyway! Please help. 
Many customers are experiencing similar issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

Electronic - XXXX verification Portfolio Recovery account number:XXXX {$2100.00} In may, XXXX and XXXX of 2019 I requested verification according to the FCRA section XXXX ( a ) ( XXXX ) ( A ) - through the physical verification of an original signed consumer contract and have not recieved a proper investigation or the requested documentation.No method of verification has ever been disclosed or shown and this violation continues to cause damage to my report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX REQUEST TO REMOVE UNAUTHORIZED CREDIT INQUIRY To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report. Your immediate attention to this matter Is appreciated XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX DOB- XX/XX/XXXX Email - XXXX SSN- XXXX Phone number XXXX Inquiries that need to be removed are listed below XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX
Product: Credit card or prepaid card

A person named XXXX XXXX signed up for a Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I do not know this person and am calling Bank of America now. I have received other mail in the past with this person 's name with my address listed and have marked Return To Sender and left them in the mail box.
Product: Money transfer, virtual currency, or money service

Someone hacked my account. I have XXXX XXXX They got into my online banking and sent {$300.00} to a XXXX account. I I filed a complaint with my bank and with zelle. However, I was unsuccessful with getting my money back. My bank told me there is nothing they can do. I feel so helpless knowing someone stole my money and I have yet to get it back.
Product: Debt collection

I am not liable for this debt with Capital One Auto Finance. I do not have a contract with Capital One Auto Finance they did not provide me the original as I requested
Product: Credit reporting, credit repair services, or other personal consumer reports

I was alerted by my identify theft alert program, XXXX XXXX XXXX, that a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX loan for approximately {$1500.00} was taken out in my name on or about XX/XX/2022, with an address in XXXX  XXXX with the account. I have never done any business with XXXX, I never authorized anyone to take out a loan in my name, and I have never been to XXXX I contacted XXXX after receiving that notification, told them it was fraudulent, and was given a XXXX XXXX XXXX XXXX XXXX of XXXX. The XXXX rep said they would mail me an affidavit to submit to XXXX to flag the account as fraudulent and that I would not be on the hook for the fraudulent loan. I never received an affidavit. I called XXXX again about a month or XXXX later and told them the same story again. This time I was promised that the identify theft department would investigate it but was not given a new Fraud Reference Number. Today, I received an alert from Transunion that XXXX reported this account as delinquent and it negatively affected my credit score by XXXX points. XXXX has not investigated this fraudulent account, has not frozen the account pending an investigation, and must contact the credit reporting agencies to alert them that I have no delinquent account with XXXX and that it was fraudulent.
Product: Money transfer, virtual currency, or money service

On XXXX I filed a dispute for XXXX transactions on my XXXX account that were unauthorized! My phone and purse were taken from my locker on XXXX while I was working a double shift. I provided XXXX with screenshots showing that my phone was in fact stolen and the claims that were filed with XXXX and how they were approved by assurant. XXXX of the XXXX transactions were person to person transactions, none of which I had approved. The XXXX transaction that I disputed was a money transfer to a debit card that doesnt belong to me draining my entire XXXX account. That transfer was a total of over {$4400.00}! I explained in the comment section what had happened and provided them with a letter of dispute as well. Exactly XXXX minutes after I filed the dispute I went to make sure I filed it correctly and the dispute was denied and closed. XXXX provide you with a screenshot as well. When I called customer service, the guy told me that he was going to reopen the dispute because even he believed it had been closed pre maturely and there was absolutely no way the dispute team with XXXX even looked into my claim because if they had they wouldve noticed right off the bat that the IP address that was used when the transactions were made- was flagged as suspicious and no money shouldve been allowed to be moved until the account was then verified- which it couldnt have been because I didnt have my phone! Ive looked several times since that phone call to see if the dispute was reopened and still XXXX hours later its still showing closed in my end!
Product: Debt collection

XXXX has NOT stopped harassing phone calls to me even calling at XXXX and at night at XXXX threatening and using abusive language and this is on the nordstrom card that had unauthorized charges and nordstrom has closed off and cleared all fees. please help to stop sentry this must be illegal and every unethical thing to do
Product: Student loan

On XX/XX/year> a student loan was distributed by the XXXX XXXX XXXX XXXX XXXX on behalf of the trust estate to support the education of a beneficiary. The student loan is being serviced by NELNET INC with a balance of {$250000.00}, whom has been made aware of the legal and equitable rights of the trust estate of which they have violated. NELNET INC is trading on the stock exchange to their advantage using their access to confidential information ( insider trading ), initiating deceptive sales practices. NELNET INC has not yet responded to the legal documents sent to them.
Product: Debt collection

I have filed several disputes with the three reporting credit bureaus about several collection accounts that appear on my credit report. I have asked for verification of debt and verification of the right to collect which the collection agency has not been provided. When I dispute with the 3 credit bureaus they tell me that the collection agency has certified the debt and that it is " accurate ''. Initial contact with the collection company National Credit Adjusters dated XXXX tells me they will send me information on their investigation which they have not done to date. Yet they still report the collection on my credit reports on a monthly basis.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2015 a balance of {$870.00} from XXXX XXXX Bank appeared on my Transunion and XXXX   credit report. I am challenging Transunion and XXXX to verify this account Per Section 609 of the Fair Credit reporting Act ). This is a consumer disclosure section which is to provide for the protection of consumers against false and erroneous reporting. This section of the FCRA places the burden upon the credit bureaus and creditors to provide the credit bureau a copy of the original creditors documentation. Whatever i filled out and signed upon opening the account with the reporting creditors.
Product: Credit reporting or other personal consumer reports

I am writing to formally file my complaint regarding the incorrect reporting of a late open account on my credit report. Despite multiple attempts to resolve this issue through direct communication with the credit reporting agencies and the creditor, the error remains unresolved. Accurate credit reporting is critical, and the continued presence of this error is causing significant harm to my creditworthiness and personal stress. Despite my repeated efforts to correct this mistake, the credit reporting agencies have not fulfilled their obligations under the Fair Credit Reporting Act ( FCRA ). I am relying on on you to intervene and ensure this inaccuracy is rectified promptly. Given the persistence of this error despite my efforts, I am seeking for your assistance to : 1. Conduct a thorough investigation into the reporting of this account. 
XXXX. Ensure that the credit bureaus and the creditor involved take the necessary corrective actions to accurately reflect the account status as closed with timely payments. XXXX. Provide a clear resolution and timeline for the correction of this error. 
Please help me correct the account right away : XXXX XXXX XXXX Balance Owed : {$2900.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've sent Experian, XXXX XXXX Credit Bureau XXXX an update address letter on XX/XX/XXXX certified mail and signed on XX/XX/XXXX with proof attached stating to update to my current address along with my Birth Certificate, etc. Experian refuses to update my address listed. It 's been well pass the 30 days on XXXX/XXXX/XXXX and still no response or dispute information. I request Experian to update my personal information such as Date of Birth, Current Address and Employment History immediately under my Social Security number or I will take another legal action with the BBB, Attorney General, etc.
Product: Debt collection

I received a voice mail message from a restricted phone number from XXXX XXXX, who claimed to be processing paperwork for her client. She threatened to negatively impact my employment by trying to embarrass me at my place of work by delivering her paperwork to my supervisor or a " high level member of security. '' I called the number she left on my voicemail, XXXX. I was given the case number XXXX. 

I called the number and spoke with XXXX XXXX, who said he works for a company called XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, in XXXX, TX. 

After multiple XXXX searches, i couldn't find anything to verify that this company is even real. 

After telling XXXX XXXX that I would not be giving him any money, i received another call from XXXX XXXX, who was supposed to be bringing me, according to XXXX XXXX, " important paperwork '' regarding the matter. 

XXXX XXXX never showed up, so I called XXXX again and spoke to XXXX XXXX. He disconnected the call after I made it clear that I don't believe this is a real company. 

When I called back, i was immediately transferred to the " Operations Manager '' that could not provide me the name of their client or the name of the company XXXX XXXX works for. 

After I made it clear that I believe I'm being scammed, he disconnected the call. 

Further calls go to voice mail.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXIN XX/XX/2022 XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

I have incorrect information on my credit report indicating that I missed payments on a home loan XX/XX/XXXX. I sent in a document from the loan company supporting my claim but the only change was they added a XX/XX/XXXX report as well. I received nothing from Experian. The incorrect information is still part of my credit report.
Product: Vehicle loan or lease

A charge off is considered a certificate of indebtedness which means it is income and must be removed. Account XXXX I recently came across information related to charged-off amounts and their implications under the Internal Revenue Service ( IRS ) regulations. According to the IRS Article, a charge-off is considered a certificate of indebtedness, which means it is treated as income and, therefore, eligible for removal from the records. In light of this information, I kindly request assistance in reviewing the status of the charged-off amount associated with my account.

15 usc 1681B permissible purpose
Product: Checking or savings account

On XXXX Huntington bank reversed a provisional credit amount of XXXX The amount was part of a disputed charge from XXXX who committed fraud when they debited my account without authorization. Huntington back then reversed the credit they gave me saying that I had a contract with XXXX to be able to debit my account for any past due balance. Well you have to have a contract with XXXX to have their service but as I explained to Huntington Bank that does not give them the authority to debit my account whenever they feel like it for whatever they want. This was an unauthorized charge from XXXX and Huntington Bank allowed them to commit fraud on my account.
Product: Money transfer, virtual currency, or money service

I went to a friend 's house & it had been a very long day & I left in the XXXX & went home. Not realizing until after I got home & laid the XXXX down to sleep, I left/forgot my phone at her house. So I had someone come sit with the XXXX & I went back to get my phone. I got my phone finally & got back home only to realize I had a cashapp notification stating I transferred {$3900.00} to another cashapp customer! BUT I DID NOT & I sure didn't authorize anyone to do such a thing. So I rushed & contacted cashapp & filed a dispute/reported the unauthorized transfer. They refused to help, although they filed the dispute. The dispute was denied over & over & over & even after contacting XXXX XXXX, XXXX of cashapp to let him know what happened, I was contacted by an agent in the dispute department ALTHOUGH DENIED AGAIN! I'm out {$3900.00} & that's all the money I had to my name. I have XXXXXXXX XXXX  to take care of & it has deeply impacted my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

A medical debt from XXXX XXXX was reported to transunion in XX/XX/XXXXas being invalid. Transunion was provided proof that insurance had paid the balance and XXXX XXXX was trying to collect more than owed. Transunion deleted the collection from XXXX XXXX on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX the collection re appeared under another name " XXXX XXXX XXXX ' for the same amount via XXXX XXXX. I dispute this amount indicating transunion was not in statutory compliance with FCRA 611 ( a ) ( 5 ) ( b ) having failed to notify me of any re attempt of a previously deleted item. I sent a secondary request on XXXX/XXXX/XXXX via certified mail to transunion to delete the inaccurate item and they sent me a letter on XXXX/XXXX/XXXX indicating they would not with no further information, not only was the debt already proven invalid and removed once before adding it a secondary time with no notice or evidence is a violation of FCRA 611 ( a ) ( 5 ) ( b ) and transunion should be fined as well as rectify this immediately
Product: Debt collection

Got a call, was very unaware of unpaid debt I used fincial aid to pay for the apartment. Never received any mail or email about paying the debt our phone calls and voicemails. When explaining my situation and saying I was willing to pay the amount was doubled what is shown. I tried to ask for lower payments because I was in school the representaitive I had would not work with me asked to speak with her supervisor she said she was and I asked to speak with the supervisor above her she refused. Asked for account number to pay debt online she refused made me very nervous that she was n't who she said she was and somehad stolen my information.