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

I received an alert from my credit monitoring that my Discover card limit decreased from {$4700.00} to {$500.00}. I called concerned and was told that due to taking a loan out in XXXX and having a high limit on another credit card that is why they decreased my limit. I questioned how they raised my limit in XXXX {$800.00} and but 9 months later decreased it and again they gave me the same reasoning. The loan they referenced as wanting to see a good payment history was taken out in XX/XX/2018 2 months before they increased my credit limit, of which I have made all my payments on with no issues. Then they quote another credit card that has a high usage of which had a similar balance back in XXXX when they increased my credit limit. When I asked if it was because I haven't used the card is when they started getting confrontational and refusing to giving information on how they determined my increase 8 months ago but 8 months later determined that it wasn't good enough and decreased it by 90 %. They simply saw I was using another credit card and not theirs and reduced the limit thus forcing me to close the card further hurting my credit score. If this has happened to me Im sure it has happened to 10s of thousands of people. Simply because I made a sound financial decision to keep that card as an emergency card they decided to cut the limit. My credit score is the highest its ever been, 3 other credit card companies in the last 60 days increased my credit limit by more than 30 % while they decreased it by 90 %. As Americans try to dig themselves out of debt and build good credit, we have companies like Discover pushing them further down simply because I decided not to use the card.
Product: Payday loan, title loan, or personal loan

I met with the XXXX guy at my work parking lot and he sold me a scanner, smoke tester, pcm reflash, and a few other items that I could use while I was working. I was approved for the items and they cost approx {$6000.00}. I no longer needed a few of the items and I needed to lower my payment. The XXXX worker took back the PCM reflash which was almost $ 3k. Which should have lowered my amount. I never saw the decrease. He said that he would have to return it himself, but I never got the part back nor did I ever get that amount removed from my account. I paid quite a bit of money and I do not feel that this should be on my account I would like it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has made a number of errors on my credit report that need your attention immediately.

THEY HAVE RE-AGED BOTH OF MY XXXX  ACCOUNTS! THIS IS A VIOLATION OF MY REPORTING RIGHTS!

XXXX  Account Number:XXXX You are reporting this account as CHARGED OFF/COLLECTION but there is balance reported. It cant be both.YOU ALSO REPORT THE DATE OF LAST ACTIVITY IS XX/XX/XXXX BUT THE ACTUAL DATE IS IN XX/XX/XXXX. NOT POSSIBLE.

XXXX  Account Number:XXXXYou are reporting this account as Derogatory but there are 0 late payments and XXXX past due amount. YOU ALSO REPORT THE DATE OF LAST ACTIVITY IS XX/XX/XXXX BUT THE ACTUAL DATE IS IN XX/XX/XXXX. NOT POSSIBLE.

They said they verified this information but that is not true because this information is inaccurate.
Product: Debt collection

Midland Credit Management filed suit in XXXX County, California 30 days after the 4 year statute of limitations expired on a debt. The only way I have been informed of a lawsuit was via a law firm sending a sales letter to my address. 

The debt was 30 days overdue ads of XX/XX/XXXX, suit was filed XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX took an application to modify HELOC from balloon payment to term loan. They indicated process would take ( 6 ) weeks and agreed to ( 4 ) months forbearance in the interim. They took ( 6 ) months to complete, although all doc submittal requests were honored. I began paying on new loan, however they did not inform me that old loan was still pending unpaid status improperly. They reported me late to credit bureaus on old loan without notification to me prior, while I was unwittingly paying them based on new terms of new loan at their request. They have critically impaired my credit with incorrect late reporting which they refuse to remove, stalling my ability to earn income in my profession as a 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, Account # unknown has violated my rights TN Child Support, Account # 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency many 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

XX/XX/XXXX a dispute was started verbally with TransUnion regarding a line of credit bank account that has been in default since XXXX. This account was transferred from one bank division to another with a different address and is now being reported as 2 separate charge-offs instead of 1 old one. One bank address only shows the last 5 digits of the account number while the 2nd bank address shows the full account number. It is only one account split into 2. One says paid in full/was a charge off and the other shows unpaid balance. Both are reporting different closed dates. 
This reporting as 2 charge-offs, one of which appears as if it happened recently instead of almost 7 years ago has caused serious damage to my credit report, dropping my score by over 100 points! I dont understand how 1 account can be split and reported as 2 after over 6 years when they have the same account number.
Product: Debt collection

Green tree calls me XXXX days a week and ask me for my sss # on the phone and will not tell me nothing. I do not owe them nothing. if they do n't stop I will get my lawyer to send them a letter and we will take it to court for a law suite
Product: Checking or savings account

America First Credit Union based out of Utah has created a premium checking account. The program is an " Opt Out '' program where they automatically enroll all checking accounts at {$6.00} a month. Credit union members must opt out of the program or pay the month fee.
Product: Credit reporting or other personal consumer reports

This morning, I noticed strange and unauthorized inquiries on my credit report. I check my credit often, and such discrepancies were never there before. Refreshing my browser didnt help, as the unauthorized entries stayed. Im asking for a thorough examination of the documents I submitted to resolve this matter for good.
Product: Mortgage

Due to the covid 19 I had to close my babysitting business which is a family home care for kids I was closed from XXXX XXXX wells Fargo send me a letter stating that they gave me an extension and it would not be reported to the credit bureau also they told me that the money owed would be placed to the back of my loan and I would start from fresh they placed me with different specialist people and the letter they send me said the same thing on XXXX I still had no kids from my babysitting due to covid 19 I asked them for more time because they said I was eligible for it i had to call XXXX to XXXX XXXX XXXX XXXX to see if they can help me to lower my mortgage payment because it was insane that payment they gave me and they lied before the covid XXXX had done a recast on my mortgage which they never gave it to me due to the covid 19 these people wells Fargo pay with people feeling 's all I want is for them to put the payments that i was late due to the covid 19 to the back of my mortgage and give me the recast they promised which was never kept please they want me to do a short sale and i have lived in this home for 17 years this is my kids home and they love it also i beg you to please help me out with this situation that I'm facing thank you XXXX XXXX XXXX ) XXXX also I would like you to investigate my mortgage there is lots of fraud things going on with this bank wells Fargo my account is XXXX thank you once again and may you have a bless day
Product: Debt collection

Collection on my credit report states that I owe Eastern Account System {$1300.00} for XXXX XXXX and XXXX XXXX. I disputed the debt and they responded saying it meets FCRA requirements. I contacted XXXX directly to find out what this debt is and they cant find any debt and cant even verify when I last had service with them. 

I again contacted Eastern Account System and informed them that XXXX seems to have no record of me owing them money and asked them what their records show. They said the debt is from XX/XX/2019. According to the laws in NY if XXXX is saying I dont have a debt and the statute of limitations is 3 years in NY Im not understanding how they are claiming this is a valid debt.
Product: Credit card or prepaid card

I have a wells fargo credit card and I HAD a wells fargo checking/savings account. 

I have mailed a certified letter about unauthorized purchases on both my credit and debit card. 

I have emailed wells fargo because i havent gotten a response from anyone. 
I can not log in to my account to review the past fees purchases or statements. 

Now i am at a loss. My credit report is showing i an 30 days past due, wells fargo wont respond or take care of this for me, i have disputed this on my credit report and am waiting but in the meantime my credit score went down and i have done everything i can to report and stop this. 
I have now lost a good standing history, i can not apply for credit because this does serious damage and I AM BEING HELD ACCOUNTABLE FOR WHAT SOMEONE ELSE HAS DONE I CAN NOT EVEN GIVE THE OFFICER WHO TOOK THE COMPLAINT THE DETAILED PURCHASES SO THEY CAN MAKE A REPORT BECAUSE I CAN NOT GET INTO MY STATEMENTS! 

RIDICULOUS!!!!!!
Product: Credit reporting or other personal consumer reports

My Identity has been stolen back in 2015 and ever since that incident happened i seem to get scammed a lot. The following items are fraudulent inquiries on my Transunion Credit Report : 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: Money transfer, virtual currency, or money service

on the XXXX of XXXX 2023 i send cash through XXXX to my family member named XXXX XXXX, phone number XXXX. The money was taken out from my bank account but the receiver did not receive it. 

I contacted Cash App customer service and they told me that they can not locate the money. I asked for a refund and it was denied. After checking my CashApp, I see that the money was sent to Account number XXXX. The Identifier for refund refusal is # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a concerned consumer, this was not made in error I am the consumer concerned and is being violated by XXXX, XXXX, AND EXPERIAN I have sent dispute letters challenging accounts that were not notated in a timely manner, I made a previous complaint and it was not addresses correctly. I am not disputing to verify if the accounts belong to me, I am simply complaining that the accounts were not investigated in a timely manner and notated that they were in fact in dispute once I reviewed my credit report. The investigation was prolonged and I did not receive results in a timely manner and the account remarks did not show these accounts were disputed by me the Consumer.
Product: Debt collection

I was originally scheduled for my tubal ligation mid XX/XX/2020. I received a phone call from XXXX saying that I had been mistakenly booked at a place that did NOT accept my insurance. I ended up being scheduled at XXXX XXXX XXXX XX/XX/2020. I verified with XXXX at XXXX XXXX  XXXX XXXX ( right next door ) that THIS place is covered by my insurance. She assured me I was covered and no out of pocket costs/bills besides {$25.00}. The XXXX XXXX  requested my payment of {$25.00} prior to XXXX and told me Im all set. Ive made phone calls to XXXX  XXXX XXXX  and XXXX XXXX XXXXXXXX directly after receiving this bill and they kept sending me back and forth to each other pointing the finger. I should NOT be responsible due to workers error! I could have gone elsewhere
Product: Debt collection

The debt collector Diversified Consultants has my account from XXXX XXXX XXXX for XXXX I have explained to them that this is not correct. XXXX XXXX XXXX was charging me for Data that was supposed to be unlimited as per my contract, but continuing to charge for data. I found out later this was not unlimited. I filed complaint with FCC and FTC. They currently have a lawsuit with XXXX XXXX XXXX. I want this removed from my credit report.
Product: Debt collection

About a week ago I received what I thought was a letter intended for me from Rash-Curtis & Associates. While my son and I share the same name, he is just XXXX and graduated from high school XX/XX/XXXX and therefore does not yet receive business mail. Upon realizing it was a collection letter related to medical treatment my son received when he was between 16-17 years old, I called to discuss the matter only to be told that the letter was not intended for me, but rather my now XXXX year old son, who they insisted, despite my refutations, is XXXX years. He is not. He was born XX/XX/XXXX. Nevertheless, it seems to me that his current age is irrelevant since he was a legal minor when the services were delivered and his mother and I signed all documents and it was my wife 's Insurance that paid the bulk of the bill. In fact, since he was a minor, he did not even have a choice in the matter. His mother and I made all decisions and told him what would occur - like most parents in similar situations. It simply can not be true that he is now personally responsible for the cost of the services. A representative from Rash-Curtis insisted that my son is personally responsible for the medical expenses and threatened to make a negative reporting to my sons not yet established credit file. Rash-Curtis & Associates is calling me on my private business line in my residence every 3-4 hours. When I spoke to them, I explained that the reason they have the number they are using to contact me is because I provided it to the hospital during the document signing process related to my sons medical treatment. They insisted that it is the number my son provided and that my signature on the documents is really my son 's signature which is ridiculous. They insist on speaking with my son and pursuing him for a debt incurred by his mother and I. We are not denying that we owe the debt and we intend to pay it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am insulted that Experian said in my last dispute that I had a credit repair company respond instead of me. I have attached my identifying information to this complaint. Experian is playing games. If they dont want to be sued they will comply and stop breaking the Fair Credit Reporting Act. I have sent disputes since XX/XX/XXXX and get no response back. I have attached proof Experian has removed this account back in XX/XX/XXXX, so theres no way for it to be added back on without following the FCRA laws. 
I sent a dispute letter on XX/XX/XXXX through Certified Mail to Experian requesting a deletion for violating FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ). Under this FCRA law, Experian was required to notify me of the reinsertion in writing within 5 business days. I received no such notification from Experian. Experian has been non-compliant. I further remind Experian, as in Wenger v. TransUnion Corp., No. 95-6445 ( C.D. Cal. Nov.14, 1995 ), you may be liable for your willful non- compliance. Experian continues to verify this account thats not accurate and unverifiable. The account in question needs to be removed immediately for violations against the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act XXXX  Account, XXXX XXXX Bank account number starting with XXXX, has violated my rights. 
15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

15 U.S. Code Section 1666b. a creator may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, has violated my rights. 15 U.S.C. 1681 section 602 ( a ) ( 4 ) : States I have the right to privacy. 15 U.S.C. 1681b 604 ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

Bank of America put a hold on a check that I deposit every month. It is a county check. I contacted the bank that the check was drawn on and they said the funds had already been given to Bank of America. Bank of America says they havent and they still will not release the funds.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally report inaccuracies in my credit report that have negatively impacted my credit score and overall financial standing. I believe these inaccuracies violate my rights under the Fair Credit Reporting Act ( FCRA ).

My Information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX La, XXXX Account Information : Creditor : XXXX XXXX Account Number : XXXX ( last four digits ) Account Type : Revolving Credit Card Bureau Reporting : Equifax, Experian, TransUnion Details of the Dispute : 1. Account Status : The account is reported as " Closed '' across all three bureaus. However, I believe this status is inaccurate as I have not requested to close this account.

2. Payment Status : The payment status varies slightly between the bureaus. For instance, Equifax shows " Paid or paying as agreed, '' while Experian shows " Current. '' This inconsistency raises concerns about the accuracy of the information being reported.

3. Balance and Payment Information : The reported balance and payment history do not accurately reflect my payment behavior. Specifically, the monthly payment reported ( {$10.00} ) does not align with my understanding of the account terms.

4. Last Reported Date : The last reported date appears to be inconsistent, with different dates reported by each bureau. This can lead to confusion regarding my credit history. 

I am writing to formally dispute inaccuracies in my credit report related to my account with XXXX XXXX XXXXXXXX XXXX which I believe violate my rights under the Fair Credit Reporting Act ( FCRA ). 
Account Information : Creditor : XXXXXXXX XXXX XXXXXXXX Account Number XXXX XXXX ( last five digits ) Bureau Reporting : TransUnion, Experian, Equifax Details of the Dispute : 1.Account Status : The account is reported as " Open '' across all three bureaus ( TransUnion, Experian, and Equifax ). While this status is consistent, I am concerned about the accuracy of the account details, including payment history.

2. Payment Status : The payment status is reported as " Paid or paying as agreed '' on some reports and " Current '' on others. If there are inaccuracies in my payment history that are not reflected accurately, this could misrepresent my creditworthiness.

3. Monthly Payment Amount : The monthly payment is reported as {$20.00}. If this amount is incorrect or does not align with my understanding of my payment obligations, it may lead to confusion regarding my financial responsibilities.

4. Date Last Active : The reported date last active appears inconsistent, with different dates reported by each bureau. This inconsistency could mislead potential creditors regarding my credit behavior.
Product: Checking or savings account

I closed a checking account at Chase in Early XX/XX/2018. I received a notice in the mail which said my account had been debited for XXXX . I have yet to receive the funds and have had numerous email discussions with them online. They recommended I go to my local branch in this case Florida. I spoke to the representative was very helpful but after a period of two days and frequent phone calls by him and myself they still can not find out what happened to the Funds.
Product: Credit reporting or other personal consumer reports

-In accordance with the fair reporting act " XXXXXXXX XXXX  has violated my rights. 

- 15 USC 1681 section 602 states i have the right to privacy.

- 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

- 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.
Product: Student loan

See previous complaint filed with CFPB ( XXXX ), wherein EdFinanical responded that they had transferred a payment to XXXX on XX/XX/2024, with an effective date of XX/XX/2024. I have contacted XXXX and attached is a screenshot of my payments made to XXXX. No such payment transfer exists. I would like this investigated and a full refund of {$830.00} sent to me.
Product: Checking or savings account

XX/XX/XXXX. I deposited {$2000.00} to my XXXX account. At that time I was informed that I would have access to the funds by the XXXX. 
XX/XX/XXXX. I called Chime to ask them to expedite the deposit. They then said they accepted the check but they were not releasing funds until XX/XX/XXXX. I asked them to cancel the transaction. 
XX/XX/XXXX. I contacted Chime. They said that they can not cancel the transaction and that they would release the funds XX/XX/XXXX.
Product: Debt collection

This company is reporting inacurate information on my credit report. I have contacted them several times to stop but they are adamant on violating my rights.
Product: Debt collection

On XX/XX/2023 SOUTHWEST CREDIT was contacted via certified mail ( exhibit attached ) to dispute a debt collection correspondence sent by mail. In the written response sent, SOUTHWEST CREDIT was informed that the alleged debt was disputed as invalid and was demanded responses by affidavit to specific questions. SOUTHWEST CREDIT refused to respond to anthing per FDCPA and knowingly and willing continued to violate me and harrass me by attempting to contact me by phone several times a day from different phone numbers even after being informed that I dispute the debt. Numbers as follows : XX/XX/2023 ( XXXX ) XXXX XX/XX/2023 ( XXXX ) XXXX XX/XX/2023 ( XXXX ) XXXX XX/XX/2023 ( XXXX ) XXXX. There was no valid verification just a generated copy of an old coupon. Southwest has been asked to cease and desist any communication and collection activities concerning this alleged debt. Southwest continues to violate FDCPA as no proper verification in accordance with these laws has been provided.