23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi CFPB customer care With XXXX XXXX XXXXXXXX credit card account number XXXX I requested that my funds were going towards my mother medical bills during XXXX and also during pandemic XXXX my grandmother died and I have to cover funeral cost, hence i opted thier financial plan for few months I have covered most of them and even after requesting late payments were reported these accounts in the XXXX, XXXX AND TRANSUNION CREDIT report and even closed my credit card account as well. I requested XXXX XXXX XXXX XXXXXXXX during XXXX and XXXX via many good will letters to remove late payments as well to reopen my credit card even then they have closed my account even after telling my situation and their reason was funds were not their and returned payment happened hence they closed account but when I called them and told them that I have told the situation earlier they did not care about it and even my funds were available at that time still closed my account, I have tried hard to reinstate my credit cards with them as well remove late payments on credit reports, kindly help me in removing the remarks under following fields Account closed by credit grantor '' and also " worst payment status information as well " on XXXX, XXXX AND TRANSUNION CREDIT reports as well late payments reported in XXXX, XXXX AND TRANSUNION CREDIT reports associated with these XXXX XXXX XXXXXXXX credit card account .please consider my request as I feel my future goals are being stopped which is very dissatisfying and I am feeling stress with lack of motivation
Product: Mortgage

I have attempted to contact Nationstar 50-75 time both in writing and by telephone and they have not been able to clearly provide me explanations on payment inconsistencies and manual adjustments they have made. This complaint is in regards to a door tag that was left on my front door yesterday that said please contact your mortgage provider. They have never been prepared or willing to discuss my account with proper detail or provide info to me I have requested. They should have all info readily available at all times after my requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

We have called several times the company directly to try and fix the information being reported to the credit but each time we tried to work with them the problem got worse and it seemed they were just un-willing to work with me to fix it. I have been working on this for the last 3 months to see what i could do to resolve any issues that existed including making additional payments if necessary to fix it. But no co-operation from them.
Product: Credit card

In XX/XX/year>, I contacted Synchrony Bank regarding multiple credit card accounts ( Sam 's Club card ending in XXXX, Amazon Store card ending in XXXX, and HSN card ending in XXXX, PayPal as well as my JC Penney and TJ Maxx cards ) due to repeated credit limit reductions. These reductions occurred despite a record of 100 % on-time payments and strong account standing. This practice has resulted in higher credit utilization, negatively impacting my credit score, despite my responsible credit behavior. During the call, I expressed that these credit limit reductions seemed unfair, especially as they were based on factors not communicated to me, and despite my maintaining a perfect payment record. After my call, Synchrony placed an unauthorized statement on my credit report without my consent or prior notification. Over the past six months, my credit limits have been lowered three times, leading to increased credit utilization that has caused my FICO score to drop. I believe these actions are unfair and potentially discriminatory, as Synchrony Bank has taken these actions without regard for my consistent, on-time payments and responsible credit usage. I request that my original credit limits be reinstated and the unauthorized statement removed from my credit report.
Product: Payday loan, title loan, personal loan, or advance loan

I had applied for a payday loan of XXXX back a while ago. I have been on top of payments XXXX times to be exact of an amount of XXXX that's upwards of XXXX $ already paid. It seems unfair that they mention that the loan agreement is a very extensive one and anyone can fall for their malevolent practices. I'm struggling to pay the remainder of the loan and feel like these practices should be banned or considered illegal practices.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit card or prepaid card

I have paid off my Wells Fargo credit card over four times since XX/XX/2019. In total Ive paid them over {$66000.00} in these 8 months. I have over a quarter million in savings with Wells Fargo yet they wont increase my credit card limit. I contacted Wells Fargo XXXX and was told they would get back to me by XX/XX/XXXX with resolution. They have yet to contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is requiring that anyone calling who does not have a paid account wait on hold for more than half an hour. They are also refusing to accept their own report numbers as valid for accessing the report. They are directing those who want to upload a document relevant to the report to a non-working website. In addition, they do not seem to be considering any information I submit regarding the dispute - only that provided by the furnisher. This seems to me, collectively, to be a willful violation of the FCRB.
Product: Money transfer, virtual currency, or money service

XXXX XXXX, XXXX, 1.I found not able to login to my chase online bank account. I have to reset my password. During the password reset, I realize the procedure is weird, no security questions asked! 
2.After reset my password, I found my saving account get hided in the XXXX XXXX view. 
3.Then I found there's an unauthorized {$35000.00} transaction to XXXX at XXXX XXXX XXXX immediately call Chase service. After 25mins wait, explain there's an unauthorized transaction happened at my account, ask service person to block and cancel it. Chase service person said the online bank team just get off from the work, ask me to call fraud department next Monday. 
XX/XX/XXXX, night. 
XXXX. I found my chase online bank account password get changed again! 
XXXX. After I reset password again to login. Then found 1 unknown cellphone and 3 unknown email are added into my chase account and have been set as Primary. I tried to delete them but chase system give alarm the primary get only be changed during working days. So I have to leave thief 's contact in my account! 
XX/XX/XXXX, XXXX XXXX. I call chase Fraud department to ask block the transaction. At meanwhile, start a claim process for the loss. 
2. Fraud service team suggest me go to local branch to close all existing account and re-open the new checking/saving/debit/credit account and card. 
XXXX. I went to chase local branch, did step # 2. 
XX/XX/XXXX, XXXX. I report this case to police station XXXX. I get a call from chase that they suggest me go to local branch to fill a form and FAX back to them for the 2nd step of claim. 
XXXX. I went to chase local branch, fill and sign the form. 
XX/XX/XXXX, XXXX. Received email said chase send me secure message in the app 2. There's no warning/notification/alarm is set in the chase online bank to tell me there's a new secure message and it is hided under 3 level of the system! 
XXXX. The message said the " transaction was processed correctly or was authorized '', " No adjustment will be made '' 4. I'm writing this complaint. 

Long in short, 1. I have reported the issue immediately right after I noticed the weird transaction. 
2. Chase is moving slow and not able to block the transaction after I report the unauthorized transaction and cause my loss. 
3. Chase IT system has severe flaw to leak my online account and password. 
XXXX. Chase IT system has severe design flaw that very easy to reset password, only need to know account number & SSN, which can be leaked anywhere. 
XXXX. Add cellphone, Email and immediately transfer money should be marked as high risk fraud activities but Chase didnt do anything on that. 
6. Chase didn't discuss with me but make a hasty decision that " As we discussed and agreed that no adjustment will be made ''. I feel no respect and don't feel secure of letting chase manage my assets.
Product: Credit reporting, credit repair services, or other personal consumer reports

My last day in my office was XX/XX/XXXX due to the pandemic. I returned and had no choice but to accept a demotion position on XX/XX/XXXX making approximately $ XXXX less. during the pandemic I used up all of my savings to keep up with my payments. Before the pandemic I had an impeccable payment history. Never missed or late on a payment. I contacted Discover letting them know my situation and to make payment arrangement base on what I can afford at the time, and they refuse to work with me. I'm now back to my office and I'm making payments. I explained to them The Govt passed The Corona Virus Aid Relief Economic Security Act which was enacted in XX/XX/XXXX and that late payments should not have been reported on my account due to the pandemic. I also let them know I attempted to refinance my home and take some equity out to pay off my debt but was denied because of the late payments that is on my credit report which drove down my credit score. I spoke to XXXX ( Delaware location ) who transferred me to XXXX who transferred me to supervisor XXXX who told me that she could not assist me. I reviewed with her The Corona Virus Aid Relief Economic Security Act and she said there's nothing she can do. Account name is DISCOVER, Phone # XXXX, ACCT # XXXX, Late Payments on my account due to the pandemic ( Dates on my credit report - XX/XX/XXXX XX/XX/XXXX Late Payments ). If you need additional information, you can call me at XXXX. 
Thank you very much. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called and spoke with the person who answered. I repeatedly asked why my credit score was going down while everything I was doing was positive. He repeatedly skirted the question giving me canned answers. I asked for a supervisor 3X before finally being given over to one. The supervisor was absolutely no help as well. He could not answer or would not answer any of my questions or concerns. 

The only way I check my credit scores is through XXXX XXXX. I know this is not totally accurate but they should be close. Over the recent 14 days my credit score with TransUnion has dropped 4 pts. while XXXX has increased by 28 pts. 

This is what is found on XXXX XXXX at the present time XXXX XXXX Transunion XXXX XXXX XXXX A 78 pt. difference. 
Hard inquiries, 3 4 1 pt. difference Total Accounts. 
20 28 8 years difference Credit History 2.6 years 3.3 years .7 years difference Derogatory Marks 0 0 0 difference Credit Card Utilization 45 % 45 % 0 difference Payment History 100 % 100 % 0 difference I need answers to several very important questions 1. Why is TransUnion lowering my Credit score as  I pay bills down? 
2. Why does XXXX have 28 accounts while TransUnion only has 20?

3. Why does TransUnion only have 2.6 years of credit history while XXXX has 3.3?
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OK XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$440.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus XX/XX/2022 to delete this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again. 
XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}
Product: Debt collection

Central Financial Control submitted derogatory information to all XXXX credit bureaus on XX/XX/XXXX that resulted in my credit score dropping XXXX points from XXXX to XXXX on XX/XX/XXXX. The company which represents XXXX XXXX Hospital claims both they and the hospital sent me correspondence via US Mail that they were going to send me to collections for the outstanding {$400.00} bill. To this date, I have never been contacted by the hospital. Equally, I NEVER RECEIVED ANY INFORMATION about this bill going to collections from Central Financial Control. I have had the same email address & cell phone number for over 20 years. I have lived in the same address for over 8 years. I 'm not hard to find. I 'm already paying another debt to the same company, from the same hospital for a much larger sum without issue. I tried to contact the hospital about this situation on several occasions and no one had a freaking clue of what I was talking about. I have submitted a dispute with Central Financial Control which resulted in basically nothing. They claim that they have my correct address and that it was mailed to me. The address is correct. The amount that was owed was correct. I 'm not disputing that. What I am disputing is that Central Financial Control destroyed my credit on the assumption that I received the collection notice via US mail. I DID NOT RECEIVE ANY SUCH CORRESPONDENCE!!! They do n't have any document with my signature acknowledging their intent to send me to collections. They do n't have any recorded phones calls where I 'm informed about this going to collections and they record all of there calls. In fact, when I have to call to make payments over the phone on the other much larger account because it 's the only way I can pay the account due to the fact that the hospital 's website for making payment does not work, they never once said anything with respect about this account going to collections and I call every month. Review my credit history. It clearly shows I have never paid anything late, NEVER! I 'm extremely frustrated about this situation. {$400.00} really!! The instant I received a settlement letter, I resolved the issue. In fact I paid the bill in full even after they claimed that the account was closed as a result of the settlement. I 'm equally frustrated that because of the Hospital 's billings departments gross incompetence, my credit has been damaged where it will take 5 to 7 years to repair. Central Financial Control refusing to remove the negative information off my credit because they assume I received the information via XXXX Mail is complete horse XXXX!!! They had me on phone every month since XX/XX/XXXX and never once said, oh by the way we 're going to send to collections for this other bill, would you like to pay that now or combine the bills to avoid a negative impact on your credit history??? Never. This I feel is extremely unjust. I have built and protected my credit for over 25 years to have it destroyed in an instant by the absolutely gross incompetence of XXXX XXXX Hospital and the quick and assumptious Central Financial Control
Product: Debt collection

This company, valentine and kebartas llc, calls me up to 10 times daily from several local and out of state phone numbers, some of them being, XXXX and XXXX. They will never give me any information and demand my name, phone number and other indentifying information. I have called them after hours and discovered they are alledging to be a collection agency for XXXX XXXX. I did cancel an account with XXXX recently and am working through paying the balance as my new provider is paying my fees. XXXX is aware and claims they never sent my information to an outside agency. These people harass me all day and have been told, verbally and in writing, to cease doing so. They refuse.
Product: Credit card or prepaid card

I opened a Paypal line of credit back in XX/XX/XXXX. ALWAYS made my payment on time every month. Fast forward to XX/XX/XXXX, I started experiencing financial difficulties. I had a life situation happen that was out of my control.By XX/XX/XXXX, Synchrony Bank had taken over PayPal Credit. I became late with my payment, for the very first time ever in the history of that account, and Synchrony Bank blew up my phone daily. I averaged about 6 calls a day from them. I explained that I was experiencing a life changing situation and that I needed assistance. I was told that I did not qualify for any assistance. My payment then became 30 days late, then 60 days late. I was doing my best to stay on top of my debt but hard to do with what I had going on.Then I get a  notification that Synchrony Bank closed my account, without notice, and also reported my account as derogatory to all 3 credit bureaus. My score dropped 75 points. Mind you I am currently looking for a job. If an employer pulls my credit, which they most likely will, I will not get the job as I was told that negatives on my credit disqualify me. Synchrony Bank ruined my credit. I then called Synchrony after I was notified of the derogatory on my credit. After speaking with the hardship department, I was approved for some assistance. I am grateful for the assistance but why wasn't this approved prior to the late pays?? Would have saved my credit and saved Synchrony from another complaint to add to the piles of complaints and lawsuits against them. I was told afterward that in order to be approved for assistance, you have to have a 60 day late on your account. Ridiculous!! Also, I was a customer of Paypal since XX/XX/XXXX, Synchrony did not bother to report the full account history of on time payments for 3 years, only the past 6 months. Which shows 2 months of late payments. Please tell me how this is fair treatment for a consumer? I did my " due diligence '' by informing Synchrony that I was experiencing a life changing situation, I even have the documentation to back it up, and this is how I am treated?? I will not ever apply for Synchrony credit ever again. I will be paying my balance on the closed account and that will be the end for me.
Product: Checking or savings account

I made several complaints and finally got to go into the branch to show my ID and XXXX XXXX XXXX to get my money back ( I tried opening a checking account and funded it with {$100.00} ) to get my {$100.00} back. They said it would be mailed to me. That was on XX/XX/2023. I have never received my money they stole from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company Prestige Fin appeared on my XXXX credit report on XX/XX/XXXX and on XX/XX/XXXX. It appears to be finance and personal under business type. When I contacted the company, they informed me that my social security number and other identifying information was used in an attempt to acquire a car loan. I informed the company that I have not submitted any form of application for auto financing and that this inquiry was initiated without my consent or knowledge or permission. The company said they will document the issue and contact me back with further instruction. I have yet to hear back from the company and each time i contact them further, I am told the same thing.
Product: Credit reporting or other personal consumer reports

Experian, XXXX, and XXXX have reported incorrect and misleading information on my credit report. I am a victim of identity theft and these accounts do not belong to me from the following companies, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 


I had no involvement with the transaction according to 15 USC 3002 I am a natural person which means my name in all caps is not me. My name is XXXX XXXX. 15 USC 1692 ( a ) ( 1 ) the term " Bureau* means the bureau of consumer financial protection . XXXX, XXXX, XXXX, and experian are assumed to be credit bureaus and there is only one bureau and that is the consumer financial protection bureau. On XX/XX/1933, congress enacted hjr-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... Are inconsistent with the declared policy of congress... In the payment of debts. This resolution declared that any obligation requiring " Payment in gold or a particular kind of coin or currency, or in an amount in money policy ; and ... Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( e ) ( elthe term 'investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. Payment is legal tender for public and private debts. 15 USC 1681 c2a
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

LVNV FUNDING LLC shows as paid off and reported on my credit report as bad debt XXXX Account info Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$620.00} past due as of XX/XX/XXXX. 

Status updated XX/XX/XXXX This debt is fraudulent