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

On XX/XX/2021, I received a notification through my XXXX  credit notification services that I had a limit decrease on one of my accounts, which was my JC Penney store credit card. The notification said at that time I had a credit limit reduction to {$500.00} from the original {$2500.00} limit. I called the credit card parent company, Synchrony Bank, to attempt to remedy the solution. Initially, the first response was that I was notified by mail. I informed them I was not ever notified and that the only way I found out was through my credit notification service and that I was notified Sunday. They put me on hold for a significant amount of time, only to return to me with the answer that it was automatically reduced because I hadn't used my card in a long time. I asked them is that not grounds for notification still? They would not give me an answer, but offered to file a complaint for me and what would my desired remedy be. Initially, I wanted to close the account, but then I decided that I want my account returned to its initial approved limit and possibly the limit increased as a remedy. I was told that my credit limit reduction was final and any change was subject to credit approval. I informed them that this was a violation of the CARD Act and that I had not been given the 45 days notice for the change, but I was still informed that my credit limit reduction was still final and they would consider a possible increase, but no return of my original limit.
Product: Credit reporting or other personal consumer reports

I have spoken with them many times on the phone over the years trying to get information on the account but I never received anything. I started learning about credit and the consumers that buy our debt and the laws and rules they have to abide by the company. Has ignored my request for information to be mailed to my residence, so I wrote them a letter asking them to update my information such as wrong addresses that they have on my credit report. Its been close to two months since the letter has been sent out I have not heard anything back. 

The incorrect addresses that are non mailable XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX pa
Product: Credit reporting 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. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX  XXXX : Account Number : XXXX Account Name : XXXX : Account Number XXXX 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

One month ago, I lost my credit cards while traveling on business. I called all my creditors and cards were reissued. XXXX XXXX is the only account I have a big problem with. At XXXX XXXX recommendation, I made a payment of approximately {$2400.00} on my XXXX XXXX account. However, they posted the payment to the former account number that was closed, showing a minus {$3000.00} balance. The new account showed a positive {$4000.00} balance. They did not reconcile the accounts. They twice faxed at my request to explain the situation. Due to improper coding, my loan will not be approved. I need help! 

In my lengthy loan application with XXXX XXXX, I have now just learned that they can not move forward because a creditor, XXXX XXXX, has mistakenly coded my account. Using a third party to review the credit worthiness of applications, XXXX Loan Rep XXXX XXXX has told me that " the client needs to reach out to the creditor to explain why they ca n't correct the billing. '' XXXX reported yesterday, " Just heard back from XXXX. I asked them to provide more info about the lost or stolen that they are stating is on this account. I told them that we were working on a report pulled XX/XX/2016 and at that time this account was no reporting as lost or stolen. This is what they said : XXXX - Please be advised that we only have the date of the last reported by the creditor to us : XXXX/XXXX/2016 and you will have the consumer to contact the creditor to get more information. Also, this is the information that we have for this type of accounts : Lost or Stolen accounts do not show neither balance nor late payments and are automatically closed. '' Says XXXX XXXX at XXXX XXXX, " So basically, because its been coded like that, they are n't able to move work on it. '' I do n't know what this means. Except, that I can not obtain approval for my refinance request because XXXX XXXX has improperly coded their reporting. 

XXXX month ago, I lost my credit cards while traveling on business. I called all my creditors and cards were reissued. XXXX XXXX is the only account I have a big problem with. At XXXX XXXX recommendation, I made a payment of approximately {$2400.00} on my XXXX XXXX account. However, they posted the payment to the former account number that was closed, showing a minus {$3000.00} balance. The new account showed a positive {$4000.00} balance. They did not reconcile the accounts. They twice faxed at my request to explain the situation. Due to improper coding, my loan will not be approved. I need help! 

XXXX XXXX, Solution Consultant at XXXX XXXX can be reached at XXXX, fax XXXX, email XXXX XXXXXXXXXXXX. 

Please help me!
Product: Bank account or service

On XXXX XXXX 2015 I submitted written request to close my Citibank , N.A . Checking, Checking Plus and Money Market Accounts. The accounts had XXXX balances. In XX/XX/XXXX I sent a follow-up letter as I kept receiving statements. No response was received. In XX/XX/XXXX I received a threatening Citi ( XXXX ). I responded stating the a/c was closed, asking them to correct their records. In XX/XX/XXXX I received a Citi ( XXXX ) threat letter aimed at collecting debt! This debt more than likely represents rapacious fees imposed after the account should have been closed -- with interest and late fees tacked on, I am sure! This letter asked me to call, and did not advise that I would be waiving some of my consumer rights by doing so. I responded in writing pointing out the account was closed. A few days later, a threat letter specifying over {$600.00} was unpaid and overdue, was received under the same Citi ( XXXX ) name. I am sending a response in writing again. 
This is harassment at this point. Citi has ignored my instructions to close this account, which had no balances or overdrafts. Citi has not responded to my written requests to close this account and provide status. I had accounts here for 25 years. How deceitful and dishonest Citi has become, with low customer service standards. There is not one shred of decent customer service on display here.This company is clearly out of control. It is not observing basic consumer law. I need help dealing with this arrogant, out-of-control bank.
Product: Student loan

Regarding complaint XXXX, I filed a very confusing and lengthy school misconduct form. I checked my Navent account and they are denying the request but not indicating as to why. They only state : Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school.

Clearly there is misconduct from the schools I attended because all loans that were not private have been discharged. They are not providing the basis or indicating that I can appeal.
Product: Credit reporting or other personal consumer reports

Subject : Request for Immediate Removal of Fraudulent Account from Credit Report I am writing to request the immediate removal of a fraudulent account from my credit report. The fraudulent account is listed under the following details : Creditor : XXXX XXXX XXXX XXXX XXXX Debt XXXX XXXX Account Number : Placed for Collections ( amount {$3200.00} ) Date Reported : XX/XX/year> Account Status : collections I have thoroughly reviewed my credit report and have identified this account as fraudulent for the following reasons : Identity Theft : I have never opened an account with XXXX XXXX XXXX XXXX XXXX XXXX or engaged in any transactions with them. The account in question is a result of identity theft, and I have taken the necessary steps to report the fraudulent activity to the authorities. 
Inaccurate Reporting : The account is reporting inaccurate information, including the date of last activity and the date of first delinquency. This violates the Fair Credit Reporting Act ( FCRA ), which mandates that information reported by credit bureaus be accurate and complete. 
Failure to Investigate : Despite my repeated requests, XXXX has failed to conduct a reasonable investigation into this matter. This is a violation of my rights under the FCRA, which requires credit bureaus to investigate disputes and correct or delete inaccurate information.

Consumer Rights Violations : By allowing this fraudulent account to remain on my credit report, the credit reporting agencies are infringing upon my rights as a consumer. These rights include the right to dispute inaccurate information and the right to request a free copy of my credit report once every 12 months. 
In accordance with my rights under the FCRA, I demand that the credit reporting agencies immediately remove the fraudulent account from my credit report and provide me with a revised copy of my credit report reflecting this removal. I also request written confirmation of the removal and any actions taken to investigate this matter. 
Please note that failure to comply with this request may result in further legal action to enforce my rights under the FCRA. I appreciate your prompt attention to this matter and look forward to receiving confirmation of the removal. 
Sincerely, XXXX XXXX You will also see that I have no inquiries regarding any request to ANY credit request.
Product: Debt collection

This is the continuation of the pending complaint. Please add the following request 1. As per the NRS 107.071 statue, Please provide a certified copy of the ORIGINAL PROMISSORY NOTE to prove that Bank of America had orginal promisory note in their possession at ONE POINT IN TIME when Bank of America acquired Countrywide. 

2. What Bank of America has sent me in the past is a photocopy of the photocopy of the promissory note made by XXXX XXXX XXXX XXXX when we signed off our closing on XXXX. This does not serve purpose. The XXXX XXXX XXXX XXXX sent back the orginal promisory note back to Countrywide after closing and made the copy for us where page 1 on the top has a stamp " CERTIFIED TO BE A TRUE AND CORRECT COPY OF THE ORIGINAL " FIRST CENTENNIAL TITLE COMPANY BY : XXXX Please provide a certified copy of the ORIGINAL PROMISSORY NOTE with endorsements as to how NOTE was assigned from Countrwide to Bank of America and from Bank of America to XXXX XXXX XXXX XXXX XXXX XXXX 

If Bank of America fails to comply this specific request about certification of the ORIGINAL PROMISSORY NOTE WITH VALID ENDORSEMENTS and other requests as mentioned in NRS 106.210 and 107.071 statute then we will forward Bank of America response to the Division of Mortgage Lending or the Division of Financial Institutions of the Department of Business and Industry here in Nevada, whichever is appropriate ; Hope this is clear! thanks
Product: Debt collection

ALL PARTIES ARE GUILTY OF ZOMBIE DEBT COLLECTION AND COLLECTION FRAUD.
Product: Mortgage

XX/XX/19 AS OF TODAY ITS BEEN TWO WEEKS SINCE WE HEARD BACK FROM ARE POINT OF CONTACT XXXX! WE WERE TOLD BY A SUPERVISOR TO RE-DO A RMA! WHY SHOULD MY HUSBAND HAVE TO REAPPLY FOR A MODIFICATION WHEN WE WERE LIED TO AND SLS COMMITTED FRAUD! THEY HAVE BEEN NICE TO US IN THE  PAST SINCE WE WERE SOLD TO THEM YEARS AGO BUT ENOUGH IS ENOUGH WE WILL DO ANOTHER RMA FOR A MODIFICATION WE WILL NOT LOOSE OUR HOME WE HAVE BEEN HERE FOR OVER 26 YEARS! AND I WOULD LIKE TO KNOW WHAT HAPPENED TO THE XXXX I DONT KNOW THE EXACT AMOUNT * IT WAS WHEN XXXX WAS PRESIDENT HE HAD THIS HAMP THING FOR PEOPLE WHO NEEDED HELP WITH THERE MORTGAGE AND A % WAS TAKEN OFF OUR MORTGAGE I WOULD LIKE OUR LOAN TO BE LOOKED OVER BECAUSE SLS PUT THE XXXX ( AGAIN I DONT KNOW THE EXACT AMOUNT IM LOOKING FOR THE XXXX ) BACK INTO OUR BALANCE WHICH IS FRAUD! THAT MONEY SHOULD BE PUT BACK INTO OUR MORTGAGE BECAUSE WE DONT OWE WHAT THEY ARE SAYING ITS MUCH HIGHER NOW BECAUSE THEY ADDED THAT BACK IN!
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving 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 unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align 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. ) XXXX XXXX {$2900.00} ) I was contacted XXXX later about damage to a leased vehicle I returned in excellent condition. I requested proof and nothing was sent.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to XXXX XXXX XXXX and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : Bankruptcy Federa XXXX XXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Student loan

I submitted an IBR recertification form on XX/XX/24. OnXX/XX/24 I received notification from MOHELA that the recertification has been denied. I spent over 2 hours on the phone with MOHELA representatives on XX/XX/24 and was unable to reach anyone that could assist me with either explaining the reason for denial or assisting me with entering a payment plan that is eligible for PSLF.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, someone tried to open a XXXX XXXX credit card under my name and Social Security number. And how I found out about this issue is when XXXX XXXX called me that same day, and asked if I opened up a XXXX  XXXX credit card, which was a Hard Inquiry onto my Credit Report. So I immediately informed the XXXX XXXX customer support that I was not the one that applied for their credit card. Customer Support immediately blocked/locked that application/account and told me to call them back in the morning as I just got to work when they called me. I called immediately called back the next day and spoke with another XXXX XXXX customer support, and thankfully enough, there was no account opened up under my name and social security number. The customer support did inform me to contact All 3 Credit Bureau 's, to inform them that I contacted XXXX  XXXX and that they do not have any information under my name and social security number, in order to delete/erase that Hard Inquiry onto my Credit Report. I have contacted XXXX already, and they have deleted the Hard Inquiry. However, XXXX and TransUnion need proof of information from me, in order to delete/erase the Hard Inquiry. Please help me out with this issue as I do NOT want this on my Credit Report, as my scores have decreased because of this. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried for the past 3-5 months to correct open ongoing issues. The main concern is my credit score. It was at XXXX on its way going up and due to false errors which XXXX  refuses to truly work on, my credit reduced. 

I want to take an adverse reaction, these credit reporter mess with your livelihood and expect later for the consumer to hire companies to fix their errors and clean up their mess. 

My score is questionable due to their errors.
Product: Credit card

My credit card number was stolen and used on XX/XX/year> to open a fraudulent XXXX account ad purchase {$880.00} in tickets. The thief used my personal information and my email address to open an account. I noticed the email traffic and charge on my card on XX/XX/XXXX and contacted Barclay to report the fraud and close the card. Barclay removed the charge and issued a new card, but then they reinstated the charges on XX/XX/XXXX becuase the identity thief used my personal information when creating the fraudulent account. The tickets were bought and sent to the thief through XXXX using my email address, but XXXX has no information on the identity of the person who stole the money from me. XXXX has no active customer service phone number and emails have gone unanswered.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1000.00}, {$130.00}, {$800.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 2. XXXX XXXX XXXX XXXX   with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$130.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$800.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 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 EQUIFAX MORTGAGE SOLUT 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, credit repair services, or other personal consumer reports

One credit score is XXXX, the other XXXX. How could there be that wide a gap between same company?
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

I'm not swayed that 3 Credit Bureaus are efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on BK OF AMER. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit card

On XXXX XXXX, 2016 fraudulent charges in the amount of {$30.00} and {$35.00} were charged to XXXX. I noticed the charges a week later and made it clear I DID NOT MAKE THEM. Both Barclaycard and XXXX XXXX XXXX insist these charges are mine. There so called proof they showed me shows that the order was placed from XXXX on a day I was at work at XXXX XXXX XXXX XXXX, IL. The college books ordered are not mine. I am XXXX XXXX XXXX and not in school. I work at a XXXX and have explained I can prove where I was at. They are stalling me and not resolving this. I have sent a letter and also faxed it in detail yet this drags on. I can be reached at my cell phone XXXX.
Product: Vehicle loan or lease

The vehicle was repossessed at the beginning of XXXX. I received a notice from the lender that the balance of the vehicle after it was sold at an auction was {$14000.00}. I called Regional Acceptance Corporation which is the auto loan lender on XX/XX/XXXX. It states that the 10 and 20 day payoff for the balance of the auto loan is {$15000.00}. I spoke to a representative whom informed me that the auto loan was sent to a law firm by the name of XXXX, XXXX and XXXX. I then contacted them and was told by a representative by the name of XXXX at XXXX extension XXXX that the balance now as of today to payoff was over {$19000.00} because the loan has continued to collect interest at a rate of 16.9 %. 
This should be illegal and at this point I will never be able to pay off the loan. How can interest continue to accrue on a vehicle that you no longer have possession of. Also throughout the time of having the vehicle I had to make several high cost repairs including one a few months after purchasing the car and repairing/replacing the transmission twice in XXXX when the car was not even 2 years old and had less than 60,000 miles.
Product: Credit reporting or other personal consumer reports

I did not consent to authorize nor benefit from the following account ( s ). Block and Remove Immediately!
Product: Credit reporting or other personal consumer reports

XXXX XXXX credited the wrong account as shown in attachments. I am not responsible for the full amount that they claim that I owe to them. Please correct your book and provide me with the corrected documentation. Otherwise, please delete this fraudulent account immediately.