23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

The Company Synchrony Bank Lowered the Limit on my Verizon credit card from XXXX to XXXX dollars thus essentially maxing out my card. Thus tanking my score by XXXX points. I have now seen XXXX credit reports showing that I am over the limit on this card they are reporting a limit of XXXX $ but I have a limit of XXXX, and the balance on my card is XXXX thus I am not over my limit. Again this was done for no reason at all just a random act of kindness from a credit issuing bank in an effort to stop me from using a card because they fear that I am not going to pay it or what reason I have no idea..
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, is a victim of identity theft and fraud. EQUIFAX IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 4th ATTEMPT WRITING EQUIFAX ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Product: Student loan

I completed my  XXXX  in   XXXX   in   XX/XX/XXXX . I hav e worked for   XXXX   XXXX   in Colorado sin ce  XX/XX/XXXX . I n   XX/XX/XXXX , I a pplied for the  XXXX  loan forgive ness, Income based Repayment, a nd consolidated my loans. I called Navient this month to update my information ( change of employer and change in income ) and they informed me that my last 4 years of payments have n't qualified for the   XXXX   loan forgiveness because I consolidated my loans the week after applying for the IBR and therefore I was supposed to reapply. I have been making payments of {$30.00} more than I was supposed to ( which I do n't mind greatly ) BUT they are telling me I need to start my 10 years of payments over under the IBR if I want my loan forgiven aft er 120 qualifying payments. All I am trying to do is have my last four years of payments count. I ca n't afford to lose the {$25000.00} I have paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

When l checked my XXXX Credit Report, l noticed that an unknown hard inquiry was made by BANK OF AMERICA on XX/XX/2016 which l have no idea about it at all.
Product: Credit card

On XX/XX/XXXX of 2023 I acquired an account with KICKOFF LENDING XXXX under the impression the company would boost my credit score as advertised. When I did acquire the account the advised me that they would not affect or report any negative remarks on my credit. Now that I closed the account due to the fact the nature or use of the card was not disclosed properly nor concisely. Kickoff blackmailed me into keeping the account open beyond my control by stating they would report negative information on my credit. Now my credit score has dropped drastically and Its affecting my livelihood daily due to the false reporting from KICKOFF LENDING LLC. Due to fact the company never lended nor did borrow or utilize any credit on my behalf.
Product: Vehicle loan or lease

i would declare this loan off my credit report i called XXXX to remove this loan off my credit report and i would not like for Acceptance insurance to give me a call. Its dropping my credit score due to them saying im not making payments & i am. I would like for the loan to be took off my credit and like my title. I also signed some things without permissable purpose of the consumer report which is in 15 U.S Code & 1681B which is against my will.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act 41647 ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of accounts and inquiries listed below, as I am a victim of a data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent information resulting from identity theft removed from my credit report.

Please find the details of the accounts I am disputing : Fraudulent Accounts : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX  Date Opened : XX/XX/XXXXXXXX XXXX Balance : {$0.00} XXXX. XXXX XXXX Account Number : XXXXXXXX XXXX  Date Opened : XX/XX/XXXXXXXX XXXX Balance : {$0.00} XXXX. XXXX XXXX Account XXXX : XXXXXXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance : {$0.00} XXXX. XXXX XXXX XXXX Account XXXX : XXXXXXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX Balance : {$3600.00} XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX  Date Opened : XX/XX/XXXX o Balance : {$1600.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1800.00} XXXX. XXXX XXXX  Account XXXX : XXXX XXXX  Date Opened : XX/XX/XXXXXXXX XXXX Balance : {$1800.00} XXXX. Chapter XXXX Bankruptcy XXXX Case Number : XXXXXXXX XXXX XXXXXXXX Filed : XX/XX/XXXXXXXX XXXX Balance : {$0.00} Unauthorized Inquiries 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: Credit reporting or other personal consumer reports

XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agencyprovide the method of verification for items disputed in my recent complaint. Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I have the right to know the methods and sources used to verify the disputed information on my credit report. Please provide the following within 4 days of receipt of this letter : The source ( s ) of information used to verify the disputed items. 
Documentation or evidence supporting the verification. 
A detailed explanation of your verification process. 
If you are unable to provide this, I request that the items in question be immediately deleted from my credit report, as required under FCRA 611 for unverifiable information. Non-compliance will result in legal action for willful and negligent violations of the FCRA.

I have attached a copy of the items claimed to be verified, along with my previous FTC report.
Product: Debt collection

I am writing to file a formal complaint against Caine & Weiner Collections Agency regarding their unlawful debt collection practices and violations of consumer protection laws. I believe that the agency has egregiously breached several provisions of the Code of Federal Regulations ( CFR ) and the Fair Credit Reporting Act ( FCRA ), as detailed below : Violation of 12 CFR 1006.34 ( b ) ( 5 ) : Caine & Weiner Collections Agency hs failed to proviade validation information for the alleged debt, as required by 12 CFR 1006.34 ( b ) ( 5 ). Despite this failure, they have placed a collection on my consumer report, causing unwarranted harm to my credit standing.

Denial of Dispute Rights under 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : I have not been given the opportunity to dispute the accuracy of the account, as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This denial of my dispute rights is a clear violation of consumer protection regulations and has deprived me of my legal rights.

Use of False, Misleading, and Deceptive Means : Caine & Weiner Collections Agency has engaged in practices that are false, misleading, and deceptive. Their actions have violated my consumer rights and have contributed to an environment of unfairness in debt collection, in direct contravention of established laws and regulations. 
Violation of Disclosure Requirements under 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) : The agency has furnished the account to consumer reporting agencies without providing necessary disclosures required by law, as stipulated in 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). This violation has resulted in inaccurate reporting of information on my consumer report, further damaging my financial reputation.

In light of these violations, I request that the Consumer Financial Protection Bureau intervene in this matter and take appropriate action against Caine & Weiner Collections Agency. Furthermore, I urge the bureau to ensure that the collection account associated with my name is promptly deleted from my consumer report, as it has been reported inaccurately and unfairly. 
Additionally, I am requesting that the CFPB address the following requests to Caine & Weiner Collections Agency on my behalf : I dispute owing any and all debts claimed by your agency and request validation of any alleged debts.

I am revoking all rights for Caine & Weiner Collections Agency to communicate with me via email, text, or phone.

I request debt validation, including documentation validating the debt, the original creditor 's name, the amount owed, and the nature of the debt.

I request the purchase agreement between Caine & Weiner Collections Agency and the original creditor pertaining to any alleged debt associated with my name.

I request proof that Caine & Weiner Collections Agency is licensed and bonded to operate as a debt collection agency.

Thank you for your attention to this matter. I trust that the CFPB will conduct a thorough investigation and take appropriate action to rectify these violations and uphold consumer rights. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Barclays is in violation of 12 CFR Part 1002 - Equal Credit Opportunity Act ( Regulation B ), which protects me from discrimination in any aspect of a credit transaction such as an increase in credit limit.

They refuse to grant credit in a substantial amount or on substantially the terms requested in my application or not even making a counteroffer to grant credit in a different amount. The application for credit and their refusal to extend the limit is an adverse action.

15 U.S. Code 1602, The term creditor refers only to a person who regularly extends consumer credit ( my social security number ). The term creditor refers only to a person, The term person means a natural person or an organization
Product: Debt collection

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX XXXX  sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 

US DEP ED XXXX {$9300.00} XXXX  XXXX {$2600.00} XXXX   XXXX {$110000.00} XXXX XXXX {$1300.00} XXXX XXXX XXXX {$1600.00} XXXX  XXXX XXXX {$350.00} XXXX  XXXX {$3100.00} DEPTEDXXXX XXXX {$7100.00} XXXX  XXXX 'XXXX  XXXX {$1600.00} XXXX/XXXX  XXXX {$1200.00} XXXX/XXXX  XXXX {$420.00} XXXX XXXX XXXX {$2900.00} XXXX  XXXX {$7400.00} XXXX   XXXX  XXXX {$3100.00} XXXX/XXXX  XXXX {$500.00} XXXX   XXXX {$750.00} XXXX XXXX XXXX XXXX {$29000.00} XXXX  XXXX {$3500.00}
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit XXXX XXXX , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXXXXXX XXXX on XX/XX/XXXX with a balance of {$160.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

I have been effectively locked out of my XXXX XXXX ( Webster Bank ) savings account since XX/XX/year> due to the extreme difficulty imposed by this online bank in " verifying my identity '' in order to update the phone number associated with the account. 

At first, there was a glitch on the Webster website in XX/XX/year>- I have provided a screenshot of the error window and my email to Webster bank below. I got a new cellphone around that time and needed to update the phone number in order to continue using XXXX for my account with the new number. 

I have called countless times, sent photos of my ID and other sensitive identification info XXXX in order to prove that I was the account holder to no avail. I was informed that the only option to confirm my identity was to do so over the phone. I have been subject to multiple XXXX question verification tests- which I have been told I did not pass even when I was certain that I answered all of the questions about my background correctly. These tests pull from years worth of personal data via XXXX reports and one wrong answer - even if you make a mistake and catch yourself- means you will be denied the ability to change your account information and must try again in XXXX hours. This is after I am able to provide the correct name, account number, date of birth, social security number, username, email for the account, and the previous phone number - this should be and is sufficient information to confirm that I am the account holder, yet somehow its not enough. I have explained this issue to XXXX XXXX account services supervisors who told me they would find a way to assist me and call me back and have not received a call back yet almost XXXX XXXX later. 

I recently moved and was able to change my address with this account via phone call with far less verification required. I received my XXXX from Webster Bank in the mail and receive monthly account updates to my email address but can not do something as simple as update my cell phone number. I feel my account is being held hostage.
Product: Student loan

I started making payments in 2007. My balance has been {$26000.00} ever since. ACS is the website I make payments and XXXX must be servicing the loan. I 've paid {$11000.00} over the years, {$9000.00} toward interest, and {$1400.00} toward my balance. If you do n't see anything wrong with this, how do you sleep at night! Do I really need to say anymore? {$9000.00} in interest? {$1400.00} to Principal?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have continually tried disputing accounts on my credit reports with XXXX, XXXX and equifax. I have filed police reports and submitted them and they refuse to investigate the information accurately including providing signed contracts verifying who opened these accounts. Theyve also refused to update information with the right balances. 

Below is a detailed outline of accounts that Ive tried to rectify. 

XXXX XXXX {$490.00} XXXX  XXXX {$810.00} XXXX XXXX {$320.00} XXXX XXXX {$1200.00} XXXX XXXX  {$320.00} XXXX XXXX XXXX ( XXXX XXXX )
Product: Debt collection

XXXX XXXX XXXX  WAS A THIRD PARTY DEBT COLLECTOR TO LOAN NUMBER XXXX. THEY DID NOT PROVIDE ME WITH A WRITTEN NOTICE BY CERTIFIED MAIL SAYING I HAVE THE RIGHT UNDER THE FDCPA TO DISPUTE THE DEBT WITHIN THIRTY DAYS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just applied to XXXX  or XXXX store for a credit card they told me they let me know by a mail letter, but latter I got another letter from XXXX XXXX  saying that I requested a XXXX XXXX  card issued by this bank, anda that they didnt approved, was : credit bureau XXXX XXXX XXXX is deceased They said also this decision was obtained from the consumer reporting agency listed below : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX T.U. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, PA XXXX I call the social security administration and told me everything was ok with mi social And to call to XXXX Because it was probably an thief I dont understand what coul happen since I got my license and everything was ok with my info
Product: Vehicle loan or lease

Hi BMW ; I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting now completely incorrect, incomplete and unverified. I had the opportunity to talk to several lawmakers and friends and learned some basic laws in regard to voluntary or repossession of a vehicle. Under the laws of my states & UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Money transfer, virtual currency, or money service

Reference ID : XXXX. Its been over 180 days. I tried adding my bank but it would n't allow me. I tried requesting a check, but it would n't allow me. It seems like system is having difficulties verifying my phone number. I have {$390.00} in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX a natural person and consumer, have been a victim of Identity theft. Trans Union, XXXX, and XXXX have stolen my Identity and furnished numerous accounts on my consumer report without my written instructions. These companies have Defamed my CHARACTER also caused me and family financial damage. 

Please delete these accounts IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account.
Product: Mortgage

Hello, Multiple attempts have been made to resolve an issue regarding the escrow on the account and the forced insurance that would be placed resulting in an adjustment ( more money monthly ) in the payment. Since XX/XX/2020, documents regarding insurance information was faxed by myself, the homeowners association and the insurance provider. 

A letter was received from Shellpoint stating the issue was resolved as of XX/XX/2020. Fast forward to XX/XX/2020, the insurance placed on the escrow account was added resulting in an additional {$37.00} per month. Calls to Shellpoint seem to go unresolved with the latest XX/XX/2020 with a XXXX XXXX, XX/XX/2020 a XXXX and the last one with a XXXX XXXX XX/XX/2020. All customer representatives have apologized and have given various responses to why things have not resolved all conflicting the last representatives information. The last call I was informed things did not escalate however a payment can be made over the phone and Shellpoint could manually place the previous payment back on the account. If more information needed/required, please advise. 

Thanks, XXXX XXXX
Product: Vehicle loan or lease

I am writing to formally dispute the reporting of the charge-off account associated with Lexus financial Services XXXX XXXX ] on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I received my consumer report in the mail from Equifax stating the account XXXX was deleted. Days later I got on the phone with Equifax XX/XX/2021 to make sure this account was not on my consumer report and the representative stated that the account was verified. I sent the credit reporting agency an affidavit letting them know the account does not benefit me the consumer and that the account should be deleted. An affidavit unrebutted stands as truth. Since they stated they investigated it and it is accurate, I'm asking who did they interview pursuant 15 usc 1681a ( e )? They did not interview my family and associates pursuant 15 usc 1681a ( e ). I've also let Equifax know that no factual information can be on a consumer report pursuant 15 usc 1681c. Equifax continues to report an account that does not benefit me. I've never given them written consent in the first place pursuant 15 usc 1681b ( 2 ). I'm instructing Equifax to delete the account immediately.