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

Synchrony bank ( Belk store card ) reduced my credit limit by 80 % with a XXXX balance on the card causing my credit score to drop significantly without justification. On XX/XX/XXXX synchrony bank caused my score to drop XXXX points because I wouldnt share with them my income. My account has been is great standing for 13 years with a XXXX balance currently.I havent used the card and overpaid them by XXXX. A year ago. I was advised that I can request a credit limit increase back to where it was. 2 days prior once I provided my income to them. This is financial bullying. My income hasnt changed and shouldnt have been an issue on an account in good standing. Once I gave them they immediately increased the limit back. This is abusive of them to cause an impact to my credit score because they want to be nosey. They never informed me that my income was a needed to maintain my higher limit. I have 2 cards with them and have no reason to muse the cards at this time. The last time I used the Belk card was at XXXX and the same income that was provided to them in XX/XX/XXXX is the same that I provided on XX/XX/XXXX. The credit limit reduction is and will cause an impact on my increased score and credit resulting in a negative impact for me and my other credit accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting act XXXX  Account # XXXX ( XXXX XXXX XXXX ), has violated my rights. 

In accordance with the Fair Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX  ), has violated my rights. 

In accordance with the Fair Reporting act XXXX  Account # ( XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2022, has violated my rights. 

In accordance with the Fair Reporting act XXXX  Account # XXXX ( XXXX XXXX XXXX XXXX, has violated my rights. 

In accordance with the Fair Reporting act XXXX  Account # XXXX ( XXXX XXXX XXXX XXXX ), has violated my rights. 

n accordance with the Fair Reporting act XXXX  Account # XXXX ( XXXX XXXX XXXX, has violated my rights In accordance with the Fair Reporting act XXXX  Account # XXXX ( XXXX XXXX XXXX XXXXXXXX ), 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.
Product: Mortgage

my problem is im paying toward my principle and it is not being applied. they are putting it in a unapplied holding place, i made paymennts from another bank vai check and they told me their bank can not read what the check is for. then i ask for the money back because they was puting it as a payment but there are no reductions, on the next line. they were adding instead of subtracting, then i got mad after filling numerouse complaints ask for my money that was in holdin and that was not applied, they only sent me back one moth payment, i told them the amout i was paying since XXXX but they only sent back what they want to send me. i have another complaint with them right now about holding funds and charging late payment to have a reason to take my funds, please help i think they are taking atvantage of me because i dont know how to get them to make right there wrong.
Product: Credit card or prepaid card

as a XXXX XXXX XXXX I had an account with Capital One Spark. I authorized several employees to have a card to purchase materials, fuel, etc ... as to maintaining schedules and avoiding disruption. My book keeper convinced the card company to issue several cards in her name. She used those cards to live an extravagant life style until she bankrupted XXXX XXXX I, being owner of this account, never authorized her to have any credit card. She stole over {$500000.00} for merchandise that was obviously no part of XXXX. She is now serving a 7 year sentence in Texas State Prison. After several attempts notifying in written letter, Capital one says no fraud and they want me to pay {$40000.00} still on my account. I suggested they take the balance away from what was fraud, clear my credit, and send me a check for {$410000.00}.
Product: Credit reporting or other personal consumer reports

Experian has filled to Fulfill, it's legal obligation. Under the fair credit reporting act ( FCRA ) to conduct a Reasonable reinvestigation Of disputed information on my credit report leaveing Inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) Has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer- provided Evidence to furnishers, accepting unrealible responses, and failing to adequately notify consumers of dispute outcomes. These failures aligns with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit card or prepaid card

I have been a Discover Card customer since XX/XX/XXXX. I have always been happy with their level of customer service and services. In XX/XX/XXXX, however, I decided to take out a cash transfer at a promotional rate. Since I wasn't using the card after taking out the transfer, I set up paperless billing and autopay and did not check the statements until this month ( XX/XX/XXXX ),  because the promo time was close to expiring. 

To my horror, I discovered I had been charged between {$140.00} and {$190.00} per month going back to last XXXX for something called " Payment Protection. '' Since I had no idea what this was, I did some research and found that it is a program that you get signed up for when you get a Discover card, AND there had been a lawsuit settlement back in XX/XX/XXXX because Discover had not been properly notifying its customers of what they had signed up for. 

I called the number next to the charges, and they informed me that since it had been on my billing statement, they would only refund 6 months ' worth of charges. I'm not sure why they chose that arbitrary number, but it is still profoundly unethical to charge someone for anything they weren't aware of, even if you " notify '' them that they are getting charged. 

This type of sneaky behavior stains the reputation of Discover Bank, and it definitely will affect the way I refer other people to banks or credit card companies. They clearly did not learn from the lawsuit seven years ago, and are still defrauding customers.
Product: Vehicle loan or lease

Flagship credit acceptance car loan financing. I have an incorrect amount in my balance. It exceeds more than the contract agreement amount..The maturity date is XX/XX/2019 which include the extension period of 3 months, originally XX/XX/2019..it charges me XXXX more after my last payment this XXXX. plus {$470.00} for late fees and other charges. Total of {$1500.00}. I am willing to pay the extra charge of {$470.00} but not the XXXX. I have written them a letter many times and the last was XXXX this year I have email them many times and i called them but they can not provide the specific answer to clarfy their computation. 
My total interest after 72 months is {$9800.00} in {$16000.00} principal with 59.26 % interest. 
My APR is 16.5 or XXXX.. it was computed total balance multiply by .1375 monthly. Which cost my APR to XXXX on my 1st yesr, XXXX on my 2nd year and XXXX on my 3rd year. Not XXXX/yearly
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 Section 602 A States I have the to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also state 's a consumer Reporting agency can not furnish account with out my written instructions.
Product: Debt collection

I have written XXXX, XXXX and XXXX in XXXX XXXX about removing this collection from my credit report. The debt was removed in XXXX cause it was 7yrs old. Now 2yrs later Zion Debt Holding LLC Acct # XXXX. {$880.00} put it back on my credit damaging my credit. I have taken the necessary steps of writing the bureaus to let them know that this should be removed from my credit report several times. This letter that I uploaded is my second letter. Thank in advance
Product: Debt collection

I applied for a mortgage and my credit was pulled. My loan officer noticed a recent collection account at stellar recoveries for XXXX XXXX. I had no idea what it was but he gave me a number and I called it. They told me i had to pay it so i did even though it was n't my debt. I researched it further by calling XXXX XXXX and gave them the account number which is XXXX. They found that the debt was not mine and under someone elses name but said i needed to call stellar recoveries to have them remove it from my credit bureau and reimburse me for the {$250.00} I paid. I called Stellar Recoveries yesterday XXXX XXXX XXXX and they said that they could n't help me because it was paid and that i could n't do anything. I contacted the loan officer and he gave me this website. Please correct my credit report as soon as possible. If any questions, I can be reached at XXXX. Thank You, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a hard inquiry on my credit report caused by a mortgage. My credit was pulled by Capital One on XX/XX/2020. I can assure you that this is an error or possibly fraud. I would like to have this resolved as soon as possible and have this inquiry removed from my report.
Product: Credit reporting or other personal consumer reports

There is information on my consumer report that is identity theft. I did not provide written permission or instruction with a wet signature for these transactions to be reported on my consumer report. I reached out to you recently to fix these! I'm requesting that this info to be blocked and deleted ASAP.. You have caused me XXXX  and financial stress when you issued an items that does not belong to me and in which I am not responsible for. I'm seeking litigation if this complaint is not being handled accordingly. I have not been able to purchase my dream house and provide for my family needs due to these fake, inaccurate and fraudulent items showing on my credit record. I attached a letter that I previously sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  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 a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding inaccuracies in my credit report as provided by Equifax. Equifax has reported late payments on accounts that have previously been paid in full. These inaccuracies are adversely affecting my credit score and are causing undue stress and financial harm. 

The details of my complaint are as follows : Accounts in Question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nature of the Inaccuracy : Late Payments Reporting after Paid account Date Equifax has reported late payments for the aforementioned accounts after the balances had been satisfied and paid in full. These accounts were settled, yet Equifax continues to report new late payments, which is factually incorrect. 
Impact on Credit Score : These erroneous late payment reports have significantly lowered my credit score, impacting my ability to obtain credit and resulting in higher interest rates on loans. 
I have already attempted to resolve this issue directly with Equifax but have not received a satisfactory resolution. Attached to this letter, you will find copies of my payment confirmations, statements showing the accounts were paid in full, and any correspondence with Equifax regarding this matter. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I request the Consumer Financial Protection Bureau 's assistance in correcting these inaccuracies. I kindly ask that Equifax update my credit report to accurately reflect the paid status of the accounts and remove any incorrect late payment entries. 

Please confirm receipt of this complaint and inform me of the actions that will be taken to resolve this matter. Should you require any additional information or documentation, I am more than willing to provide it promptly. 

Thank you for your attention to this urgent matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously sent letters requesting verification of debt to Collection Bureau of For XXXX XXXX for two accounts and XXXX XXXX XXXX immediately after noticing the collections on my credit report. They have sent me copies of bills with procedures performed with my maiden name, XXXX XXXX, and my birthday, which I have not used since 2010. I also had to give them my address because the address that they had on file was not mine. I made copies of these letters and sent them to Equifax with a letter explaining that the bills did not belong to me. To begin, the bills that were sent did not have my signature, a name that I actively use nor an address that I actively use. Furthermore, I was insured when the bill was incurred. I requested that Equifax send me the documentation that was sent that convinced them to verify the debt. Equifax responded by telling me that they could not and to speak with the company directly, which I have done for multiple years now. XXXX and XXXX was unable to verify the collection so it was immediately removed. However, Equifax refuses to remove incorrect information from my credit report. I will seek legal action if this issue can not be resolved.
Product: Credit card or prepaid card

In XXXX of XXXX, I opened a credit card with Discover. I didn't know about the dollar per dollar match for the first year. I also do not recall activating it. I recently activated it on XX/XX/XXXX of XXXX, only to find that the promotion term was up for me. I had never used the card. I called to ask for an extension and explained what happened. No extension was given and I was told to open another credit line but that the promotion was not guaranteed nor was the credit limit amount.
Product: Credit reporting or other personal consumer reports

I received a decision in my XX/XX/XXXX XXXX late dispute, attached. CFPB XXXX XXXX XXXX XXXX XXXX concluded that the reason for being reported late is that a late fee was taken out of the regular monthly payment of {$530.00}. 

Late fees have been on my account starting in XX/XX/XXXX. And those late fees were carried over, month after month, for 2 years with no attempt to deduct them from my regular monthly payment. Then in XX/XX/XXXX you decided to take the late fee out of my payment. The XXXX XXXX monthly statements are attached showing the late fees being carried over month after month for years! 

I never received any notification that in XXXX they arbitrarily decided to collect the late fee. 

It was reasonable for me to assume that the late fees would be carried over and then collected at the end of the lease. 

Why would you carry over the late fees for 2 years and then take it out with no warning. 

I was calling XXXX XXXX every month for past 6 months to extend my lease. They told me every month that my account was fine.
Product: Credit reporting or other personal consumer reports

I am failing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 stating the accounts are accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 which mandates a responsible investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.A as highlighted in the CFPBs resent administration preceding.

Some accounts are listed below. 
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 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: Debt collection

I manage my moms finances as she is XXXX and no longer able to handle. I pay her bills online. She had a bill due to XXXX XXXX ( an XXXX company ) for {$38.00}. I confirmed this amount in a phone call to XXXX on XXXX/XXXX/XXXX. I spoke with XXXX. This amount was paid electronically via my mothers online bank account and confirmed delivery to XXXX on XXXX/XXXX/XXXX. Today, XX/XX/XXXX, I received a letter from a collection agency IC SYSTEM saying I owe {$38.00} as of XXXX/XXXX/XXXX. I immediately called XXXX and according to their automated System the balance on the acct is {$0.00}. No one was available in billing because today is Sat. Since my mother 's bills come to me they have put my name in collection for no reason and damaging my credit rating which has been stellar to date ( XXXX ). 
I am getting harassed by this collection agency with many calls throughout the day leaving no messages. 


Thank you.
Product: Mortgage

I have been making my mortgage payments on time for the last two years and I see balance amount that is not adjusted to my payments. I 'm being incorrectly charged by PNC and they refuse to send monthly billing statements for the last 2 years. They revoked my online account access only after filing a complaint CFPB they did gave me access to my own account. They are uncooperative in explaining to me how my payments are being applied to the mortgage. Please open an investigation into PNC bank 's mortgage business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been unable to log into my Equifax account since XX/XX/XXXX. I have had fourteen phone conversations with their staff, sent two on-line complaints, and mailed two hard copy letters with a four-page description of my attempts to resolve the problem. No matter how many times I change my password, I am locked out. They have been unable to connect me with a tech support person. Now, I am unable to reach them by phone although I pass all their information " tests. '' Their XX/XX/XXXX response ( which they sent to an old address ) to my XX/XX/XXXX complaint letter claimed they could not find a credit file for me ( although I bought a house in XXXX that required their providing my credit report AND I have copies of their credit reports on me ). I have received no response to my XX/XX/XXXX letter. 

This is slowing down my refinancing my mortgage, as I have had to send them a letter via USPS requesting that my credit report be unfrozen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CALLED REQUESTING ANSWERS AS TO : How and why did my credit score dropped 15 points ; and I was told about something that happened more then two years ago. I also was told since I have a XXXX balance on my opened credit accounts, and I am not using them on a regular base, that to will cause a decease. 

However, I told the bureau that over two years ago, I turned a vehicle back to the : Lending company, and was not told that it will reflect a navigate, if and when they resell the vehicle. 

Also, regarding the credit card accounts, I had paid them off around XXXX or XXXX of XXXX. I told the bureau, that when I paid them off, it did not show any navigate reflections against me ; therefore, I asked again, why am I receiving 15 points  taken away from me. 

Non of the bureau would or could answer that question. I was told to talk to a financial Advisor, which I did. I called XXXX Financial department, and they could not explain why the 15 decease based on my dispute with the bureaus. 

My theory there's a conspiracy of keeping some consumers in a bind. I state this because, many times in the pass this issued happened where the bureaus would take from 10 to 20 points from my credit report, but when any errors or corrections take place, they would issue maybe 1-3 point in return ; which is bogus.I am very disappointed regarding how this is going for me. My social security number was compromised in XXXX, and its has taken me over 15 years to rebuilding due to Government listing my social security number on a unemployment form that was mailed to my resident ; and I am continually fighting to keep my credit in good standards. 

Please look into this matter. 

Thank you in advance XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I submit a request to all 3 credit companies with documentation in support of asking them to investigate and remove XXXX XXXX XXXX XXXX loan because it was fraud and obtain through Identity theft. All 3 investigated and XXXX   along with XXXX  decision was it was deem fraudulent and removed it from my report. Experian did not remove XXXX XXXX XXXX XXXX but as you can see in my documents they remove XXXX XXXX XXXX XXXX/XXXX XXXX. One part of the loan. I am begging for assistance to get this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Id like to have the old inquiries removed some are double as if the companies ran them twice without my consent some are old past the dates as well.
Product: Payday loan, title loan, or personal loan

Was approved for a card in XXXX of this year. Never received card, Never activated nor used card Company tried to charge me a 75 usage fee for a card that wasn't even activated!
Product: Credit card

American Express arbitrarily lowered my credit limit from {$11000.00} to XXXX, only {$190.00} above my current balance of {$4300.00}, effectively making the card unusable for future purchases, and based upon the next billing payment, would effectively force me to go over the credit limit. This not only affects current spending ability, but seriously lowers my credit score since debt to available credit is now a much higher percentage. Credit card companies should not be able to do this to hurt consumers. American express did this to me once before back in 2008 during the financial crisis. I have never been late or missed a payment on ANY of my credit cards or other credit related instruments in 17 years, the length of my credit history.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the disputed accounts on my credit report. Despite raising the issue of inaccuracies multiple times and consistently requesting thorough investigations, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. 

The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. 

With your help, I hope to restore the accuracy and integrity of my credit file so that I XXXX regain control over my XXXX XXXX. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.