23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

US Bank sent me the attached letter advising me that " my '' request for a credit line increase could not be approved - but I never applied for a credit line increase. To the contrary, in an XXXX XXXX 2016 letter from me to the bank ( which was received by the bank on XXXX/XXXX/16 certified mail ) I specifically stated that I was NOT applying for a credit line increase and that I DID NOT want my credit pulled ( because it hurts my score ). US Bank 's attached reply indicates that the bank improperly performed a credit review against my wishes and ignored the substance of my XXXX XXXX letter entirely I had written to US Bank XXXX XXXX because I received a letter from them on that day, but dated XXXX XXXX, 2016 the bank reduced my credit line to only {$500.00}. I was shocked because i have excellent standing and history on my credit card with them which I referenced in my letter together with the inaccuracy of their citation to my credit score. I subscribe to credit monitoring and the score US Bank reported as justification to lower my limit was more than a XXXX point difference. That just was n't plausible. Plus the cited characteristics were inaccurate. I always pay on my account and was not even carrying a balance. But by lowering my available credit US Bank caused me damage because reducing credit does cause my score to drop, which it did - XXXX points. Ironically US Bank is therefore causing a negative impact to the score, which is what they are complaining about in the first place ( and which impacts my standing with other creditors ) This is all very upsetting and hurtful given that I am a responsible account holder. Moreover, after I took the time to write a detailed correspondence US Bank did not even send a meaningful reply. Instead, they delivered the nonsensical communication I have attached. They do n't value honest business. What a nerve!
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an XXXX XXXX  assisting me due to XXXX XXXX XXXX XXXX  which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX, Acct Number XXXX, XXXX {$1200.00} XXXX XXXX, Acct Number XXXX, XXXX {$680.00} XXXX XXXX Acct Number XXXX, XXXX {$120.00} XXXX  XXXX, Acct Number XXXX, XXXX {$250.00}
Product: Credit reporting or other personal consumer reports

I CHECKED MY CREDIT REPORT THIS MORNING AND SAW THAT THERE IS AN INACCURATE ACCOUNT THAT I HAVE NO IDEA OF SHOWING UP ON MY REPORT. Please kindly check the documents I've sent regarding this serious matter.
Product: Credit reporting or other personal consumer reports

XXXX - the account was paid in full and the account was closed in XX/XX/year>. Even though paid in full, a {$1.00} interest charge was applied to the account. Thinking the account was closed, I never again logged into the account. Apparently, this unwarranted interest charge continued to accrue, and a late fee was assessed to the account & ultimately a late payment was reported to the credit agencies. How can a financial institution charge interest when the balance is paid in full, on time?
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 a reasonable cause to believe that the information is inaccurate.

These inaccuracies are causing me hardship to get a new car for my family.
Product: Credit reporting or other personal consumer reports

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 NC XXXX The following personal information is incorrect
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 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  and list of Inquiries. 

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 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 XXXX ( XXXX XXXX XXXX XXXX XXXXhat you, the TransUnion, XXXX, XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : 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 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 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 FICO 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 # ( XXXX ) 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: Debt collection

I have recently requested a copy of my credit statements that have been submitted to a collection agency and upon reviewing the documents, I found some outrageous amount of interests that have been charged under my account.
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, in amount of {$3700.00} 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: Debt collection

I received a letter in the mail from Rent Recovery Solutions INC, stating that i owe a balance of {$4000.00} on XX/XX/24. Creditor is XXXX XXXX. I have not heard or been to that area, and already have been delt with identity theft situations in the past. I need to dispute this because it is ruining my credit score, which i have tried extremely hard to keep up and pay everything on time. The file no is XXXX.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report on XX/XX/year> and noticed an account XXXXXXXX XXXX  that was not reporting accurately. I have XXXX missed payment in XX/XX/year> reporting XXXX XXXX late that in fact was paid on time and never missed. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I have attached a proof of my address and a copy of my identification card I'm now requesting you investigate this account and update these payments to never missed and paid on time immediately. I'm now requesting you investigate this account and update these payments to never miss and paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ftc violations or fcra inaccurate accounts
Product: Debt collection

I receive calls everyday consistently from this debt collector. No dates are needed as it truly is every day.
Product: Mortgage

I have completed my XXXX. I am now the sole owner of the home. I have a new legal name. I mailed all requested name change documentation to PHH MORTGAGE SERVICES on XXXX XXXX, 2019. They confirmed receipt. I've written emails and called to no avail. They continually put me off and have not changed to my legal name. It is important to have my legal name on all documentation for my home. OCWEN changed their name but are still an establishment that refuse to follow the United States laws.
Product: Vehicle loan or lease

SantanderConsumerUSAs shady predatory lending practices has placed me in under great financial stress. I purchased a my first vehicle while in XXXX  through Santander and at the time, the car dealership ( XXXXXXXX XXXX XXXXXXXX ) collaborated in putting me a horrendous subprime auto loan ( with an APR of 25 % ) on a used 2016 XXXX XXXX. 

SantanderConsumerUSA was already in hot water for this exact reason after a class action lawsuit was brought up against the lender after numerous complaints of predatory lending practices and giving out auto loans with absurdly high interests rates to via subprime loans to at-risk borrowers. 

I ran into vehicle troubles after my 2016 XXXX XXXX engine imploded and bursted into flames. My insurance company ( at the time ) refused to assist me in any way, leaving me to cover the cost of the engine replacement and repairs. I made communication attempts with SantanderConsumerUSA regarding this matter and the lender and I were able to work out a form deferral ( of 2-3 months ) while I worked on resolving my vehicle troubles. 

After I managed to get my vehicle up in running, I struggled to catch up on my auto loan and its absurdly high interest. I kept making payments ( which ONLY went towards the auto loans interest ), and SantanderConsumerUSA placed my vehicle up for repossession regardless of my most recent payment and after the lender assured me I needed to make at least two monthly payments before the end of that month to be back up to current on the auto loan. That was apparently a lie, after they repoed my vehicle late Thursday morning without any notice ( no telephone call, letters, or emails received ). 

Now I am without transportation and my commute is XXXX miles to and from work. I am honestly baffled that SantanderConsumerUSA is still allowed to continue to operate after the backlash the lender received for its unethical and shady lending practices, leaving hundred of Americans to endure unnecessary financial stress.
Product: Credit card

I submitted an online credit application today 's date XXXX/XXXX/2016 to Chase Slate Bank for a new credit card. The primary reason I did so was because they were offering an option to transfer a balance from another lender with a higher interest card with zero percent interest for 15 months. As a part of the application I had to give them the other lenders account number and amount I wished to transfer ( in my case over {$4000.00}. ) even though I entered this amount in their application, when I submitted ( and got approval ) for the card, they gave me a {$1000.00} limit and made no mention of the transfer request. When I called them at their customer service number they said that the transfer limit maximum was {$1000.00} at most. I told them I never would have applied if the online application had indicated that. The CSR apologized and asked if I had any other questions. I told him I felt the online application was used as a tool to lure new card members and that I never would have applied if they had indicated the maximum transfer amount. Website I applied at was XXXX The representative I spoke to indicated on the phone that the balance transfer information I entered was NOT used as part of the application submission which I feel was a misrepresentation on their part.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX AFFIRM XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I sent in a letter to XXXX. I sent disputing the validity of the 2 bankruptcies they are reporting on my credit report. They responded with a letter stating that they " verified '' this item through XXXX XXXX, I went directly to XXXX to dispute the item in question and XXXX XXXX could not verify this item so they deleted it from their database. I have also attached the doc. 

I then went back to XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX all of the year 2023. I showed them the deleted bankruptcy from XXXX XXXX informing them that if they could not reveal how they truly verified this item then it needs to be deleted according to the FCRA. They have once again refused to delete this item which is imploding on my ability to purchase a home and causing me to pay thousands more in interest every year. 

This item needs to be deleted from my credit report if it can not be verified within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2020 the COVID19 virus became widespread and there were major shutdowns in NJ that caused our household income to drop by more than 60 %. I requested a forbearance on all mortgages for my house in XXXX, NJ. I spoke to a representative at XXXX XXXX XXXX and they told me the forbearance would start in XXXX and would last for six months. It turns out that they only applied it for XXXX months and in XXXX of 2020 I received a report on my credit stating that the account was delinquent and my credit score dropped nearly 100 points. I contacted SLS and they stated there was nothing they could do about it and that the forbearance was only three months. They also claimed to have reached out to me when the period of three months was done by mail and by phone. I received neither a message on my phone or any written letter with this information. Realizing that I would not get any help from SLS i requested to continue the forbearance and that a supervisor contact me. They stated that they would have a supervisor contact me within 48 hours and no one from SLS ever called me back.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX  credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

I have a VA mortgage carried by Mr. Cooper mortgage company. I XXXX my mortgage nearly doubled. I asked the escrow department about this and I was told that I had a property tax increase. I informed the escrow department that I was property tax exempt. I emailed the county paperwork at the escrow departments request. My mortgage has not changed even after speaking with them and emailing the forms on four different occasions. I was told that If I were correct I would get a refund in XX/XX/XXXX.
Product: Mortgage

Faxed a written payoff request to CitiBank on XXXX/XXXX/2016 for a 1st and a 2nd lien. Received the payoff on the first lien almost right away. Was told that it would take 10 business days to process the request on the 2nd lien. Advised them that TILA/Reg Z indicates payoff should take no more than 7 business days but relented to the 10 business day timeframe since the loan is discharged bankruptcy. 

On the 10th business day called and they said payoff was being faxed this morning. Never came called them back and they said they only got the request on XXXX/XXXX/2016. They said because the request was not signed that they would not process the request. 

Since when do payoff requests need to be signed? Since when do they take more than 7 business days or even 10? 

Filing this complaint for the borrower XXXX XXXX. 

I attached the payoff request and the fax delivery confirmation.
Product: Debt collection

I submitted a complaint against Sequium Asset Solutions on XX/XX/XXXX for a false claim that I owe XXXX XXXX XXXX debt that was already paid. XXXX XXXX XXXX presented false records for cable service that I didn't have after XX/XX/XXXX, and they were uncooperative in resolving the issue. The previous CFPB Complaint Number was XXXX. 

I also submitted a XXXX  Complaint on XX/XX/XXXX and XXXX XXXX with Sequium Asset Solutions agreed to resolve the complaint on XX/XX/XXXX by " A deletion of our account will be processed to have our account deleted from your credit file with the three major credit reporting agencies. There will be no further communication from our office regarding the account. On behalf of Sequium Asset Solutions , LLC I want to apologize for any inconvenience that this may have caused you. '' However, Sequium began corresponding with me by mail last week by sending the same XXXX XXXX XXXX debt collection bills. Ms. XXXX didn't keep her word that was previously given. She doesn't answer her phone and her voicemail is always inactive. 

This morning, I received an email from XXXX  Credit Bureau stating that my " FICO Score decreased, and my FICO Score Rating changed. '' My credit score dropped 22 points from XXXX to XXXX from Excellent to Very Good for no apparent reason. I checked by credit report and there is no change to my report. I can't file a dispute on the XXXX  site because there is no change to my report except for the decrease of my credit score.
Product: Credit reporting or other personal consumer reports

Upon reviewing my Equifax credit report, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next XXXX business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion continues to report a bankruptcy on my credit report that does not belong to me. I have never filed bankruptcy.
Product: Debt collection

I did n't have any knowledge ( That i can recall ) that XXXX sent a debt to a collection agency. I currently have service with XXXX/XXXX and have had this service for over a year. I called the collection agency because they are reporting it as paid but it is still hurting my credit. They said that they cant remove it. I called XXXX and the first attempt they stated that they had no acknowledgement of it and I even spoke with some in their risk management dept. This was back in XXXX. They told me to call the collection agency to get it removed and they stated that they could n't. I told them that I never paid the Collection agency anything and that I restored my services with XXXX so everything was paid. So recently I tried again to contact XXXX to see if they can report or send notice to the collection agency to remove it since I currently have service with them and was n't aware of them sending something to the Collection agency. They escalated the ticket and I received a phone call stating that even thought I am a " valued customer '' and that it is paid that they wont send them a noticed since it was once put in a bad debt status.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint that Equifax, XXXX, & XXXX are reporting inaccurate and incomplete credit information. This a violation of FDCPA SECTION 808 UNFAIR PRACTICES & FDCPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING
Product: Debt collection

We keep getting voicemails from Bull City Financial for debt collections however we have no debt and have perfect credit. They leave robomessages and it is hard to get in touch with a person. I have looked into this company online and it is a scam. They either are calling the wrong number, or they try to collect mo that was already paid in full. They put stuff for other people on individuals credit reports. This company needs to be shut down or heavily regulated. This is not okay by any means for this to go on. Please do research and XXXX this company down.
Product: Checking or savings account

XX/XX/21, {$10000.00} was taken out my account without authorization. pnc is the company .discriminated against me.