23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I've been working with Synchrony Bank regarding my Care Credit card since XX/XX/XXXX. When I contacted them in XXXX about the missed payment on my credit report from XX/XX/XXXX, they stated they didn't see it but would look into it once I paid my bill. At the time, I had a balance of {$610.00} out of my {$4400.00} credit limit. I submitted my full payment on XX/XX/XXXX over the phone, and they stated they would remove the incorrect missed payment, but it would take 1-2 billing cycles to show up. 
I reached out to them again on XX/XX/XXXX after checking my credit report to see it was still there, and was told they couldn't find the record of my request. I called again the next day on XX/XX/XXXX because I saw the missed payment on my credit report was moved from XX/XX/XXXX to XX/XX/XXXX, which was still incorrect. I was finally able to reach a representative named XXXX with their escalations team, and he told me he would get it removed. 
The next day, XX/XX/XXXX, I received a notification that my credit limit was decreased from {$4400.00} to {$250.00}. I called them back and spoke with a representative named XXXX. She told me that I would receive a letter in the mail with an explanation, but it was because Synchrony uses a " scoring system '' to determine credit limits. She also stated that if I wanted to increase my credit limit again, it would be a soft inquiry on my credit report. 
Today, XX/XX/XXXX, I have a letter in the mail from Synchrony bank stating " We have received your account in response to your credit bureau reporting dispute.. This serves as confirmation of the account status listed below as of the date of this letter. No delinquencies reported ''. 
I firmly believe that this is retaliation and an unethical practice. I worked tirelessly with Synchrony to have incorrect information removed from my credit report and they responded by decreasing my credit limit by over {$4000.00}, knowing that having less available credit would still effect my credit score. When I got this card in XX/XX/XXXX, it was to pay for a XXXX I needed for my cat. I paid the credit card off, and have used it incrementally for dentist appointments without a single missed payment. The fact that I was actively using the card and paying off my balances without being late has shown that I am a trustworthy client that is still helping them make money off of the interest. There is no other reason that my credit limit was that significantly decreased, the exact same day as I resolved my previous dispute, other than retaliation. This is an unethical, unfair, and predatory punishment, which is why I am reporting Synchrony.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Identification Was Compromised & Used To Obtain Goods & Services I Requested Several Fraud Alerts & Security Freezes On My Report That Some How Was Taking Off I Contacted The Creditors & No Help Contacted Bureaus & Now Im Taking These Steps Of Filing and Sending Letters Hopefully I Get Help
Product: Payday loan, title loan, or personal loan

I opened a personal loan with payoff a few years ago during some financial hardships. I have regularly made payments and then realized I was being charged extra interest and had fallen victim to a predatory loan company. I started struggling to make payments during 2020 as I lost my job during the covid pandemic. I am currently working again and need to catch up on payments. Now I am being harassed by the company and have received over 300 emails for debt collection. They are sending an email every 10 minutes for weeks. I cant even use my email address anymore and I am suffering anxiety and panic attacks. I have to begin counseling next week and am having serious mental and physical health issues due to this company. I want them to cease all contact with me and I will pay what I can if I can when I can. Or I will be filing a civil suit in court and take legal actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have continuously disputed the following 2 items on both my XXXX and Transunion reports. I have no knowledge of these accounts. I have contacted the debt collector and requested information and they refused to send it to me without verifying my social security number. I have never received a bill from this company and I have no outstanding medical debts I have had continuous medical coverage for the past 15 years that would cover any medical bills. The credit bureaus refuse to remove these items claiming they are valid, but I have not received any valid information. Item 1 : XXXX Collection/Chargeoff Other {$530.00} Status Date Reported XXXX XXXX, 2017 Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account Details Bureau Name XXXX Original Lender MEDICAL Account Number XXXX Account Type Not Reported Responsibility Individual Credit Limit Not Reported Highest Balance {$530.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX Remarks Placed for collection. Item 2 : XXXX Collection/Chargeoff Other {$100.00} Status Date Reported XXXX XXXX, 2017 Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account Details Bureau Name XXXX Original Lender MEDICAL Account Number XXXX Account Type Not Reported Responsibility Individual Credit Limit Not Reported Highest Balance {$100.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX Remarks Placed for collection.
Product: Credit card

Over the past several years I have filed numerous complaints against Capital One because of the outrageous interest rates on my account. Each complaint resulted in the same canned response " we ca n't lower your interest rate ''. For many, many years the interest rate hovered around the 17 % mark, adding almost XXXX XXXX dollars in interest to the balance each month. After signing onto the account today, I noticed that the interest rate jumped up to 18 %. How can Capital One justify increasing my interest rate but each time I ask to lower it, I get the same response? I ca n't express my extreme disgust with this company. I 've been with Capital One since XXXX and used them fully until XXXX. For someone that 's been with them for as long as I have, I would have expected them to work with their customers instead of thinking it 's just to raise interest rates whenever they feel like it just because the " market dictates ''. My next step is contacting my senator 's office and then possibly, legal action. I received no notifications that this interest rate was going to increase.
Product: Debt collection

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that CREDIT MANAGEMENT would verify the debt. So I took it upon myself to ask CREDIT MANAGEMENT for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XXXX XXXX, 2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Product: Credit card or prepaid card

I applied the Best Buy Visa Credit Card ( Citi ) and was trying to setup the online payment account today ( XX/XX/2019 ). The credit Card system has problem and won't allow me to logon and schedule payment at all. I contacted multiple agents ( 5+ ) and 2 supervisors, I followed their instructions to reset password, changing browsers, devices and reset the profile. However, none of the method work and I requested them to report the issue to their technical team. They refused to do so and claiming that there is nothing else they can do after exhausting all the standard procedures. They keep on saying to wait 24 - 48 hours  and try to login. Since there is a system error, unless they report it to the technical department and fix it, nothing will change. I have a feeling that they are trying to mess up the client 's online account so the client will miss the payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon receiving my credit report in the mail Mariner Finance , LLC has done an inquiry on me without my consent. Their address is XXXX XXXX XXXX XXXX XXXX, Md XXXX. Date of inquiry was XX/XX/2022 Please have this inquiry removed. Thanks in advance for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally request the removal of inaccurate and/or outdated items from my credit report, which I believe are negatively impacting my credit profile. After a thorough review of my credit report from your agency, I have identified several items that require immediate attention and removal. I have provided the details of the disputed items along with explanations of the inaccuracies, the information reported for the above-mentioned items were inaccurate and does not reflect the current status of the items. I have enclosed supporting documentation that validates the correct information. I kindly request that you investigate this matter and remove the inaccurate items from my credit report as required by the Fair Credit Reporting Act. I have enclosed nor attached my documents in my letter. I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. I respectfully request your prompt attention to this matter and a timely resolution. Please provide me with a written confirmation of the removal of each inaccurate and outdated items once the investigation is complete. I also request an updated copy of my credit report reflecting the corrected information. Here are the following fraudulent items that are needs to be remove : XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$3500.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; XXXXXXXX XXXX XX/XX/2023.
Product: Checking or savings account

I had my account compromised and I had identity theft and now my account is restricted and my pension is supposed to be deposited and they are closing my accounts and they will not let me. Get my money out of my bank account and they have no date when they are closing my account that means I can not pay my bills or buy food I will be homeless on the streets or food to eat I am a XXXX  and that is not fair to XXXX there should be some way we can get into the account to get or money
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.

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681c Section 604 ( a ) ( 2 ) States that a consumer reporting agency can not furnish a account without written consent of the consumer. ( Me )!

15 U.S.C 1681s-2 Section ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agencies if the person knows or has reasonable cause to believe that the information is innacurate. 

XXXX ; XXXX XXXX XXXX. {$390.00} XXXX XXXX. {$0.00} XXXX XXXX XXXXXXXX. {$370.00} XXXX XXXX. XXXX. {$130.00} XXXX XXXX. XXXX. {$260.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX. {$390.00} XXXX. XXXX. {$260.00} XXXX XXXX XXXX. {$130.00} XXXX XXXX XXXX. XXXX. {$260.00} EXPERIAN ; XXXX XXXX XXXX XXXXXXXX. {$390.00} XXXX XXXX XXXX XXXX. {$0.00} ALL THREE CREDIT REPORTING AGENCIES REFUSED TO SEND ME A FREE COPY OF MY CREDIT REPORT UNLESS I AGREED TO THERE TERMS OF SERVICE AND PAID FOR THERE PREMIUM SERVICE ONLINE ON XX/XX/2023 I HAVE NOT GIVEN ANY WRITTEN CONCENT NOR VERBAL CONCENT FOR ANY AGENCY TO REPORT ON ANY OF THESE NEGATIVE ITEMS. THERE ARE ALSO NEGATIVE ITEMS WITHIN THE LIST PROVIDED HERE THAT I HAVE NO KNOWLEDGE OF. 
I AM ASKING THAT ALL THE ITEMS BE REMOVED IMMEDIATELY. THEY HAVE PRETTY MUCH RUINED MY LIFE. COMPLETELY RUINED MY LIFE! THANK YOU!
Product: Debt collection

I filed a claim with XXXX XXXX in XXXX because I was not able to pay the bill due to being XXXX. I updated my address, but never received anything from them. I explained this to XXXX XXXX  multiple times and updated my information with both companies, yet I didnt receive any paperwork until XX/XX/XXXX. I have been harassed every single day multiple times a day since XXXX, even after I asked for them to contact me only through mail. On XX/XX/XXXX, I spoke with XXXX XXXX with XXXX XXXX  and explained my entire situation and she offered to place me on a hardship plan. That was never offered before. She wanted me to check with the insurance company first to see if they would still cover my debt and follow up with her on Monday, which would have been XX/XX/XXXX. She verified my phone number and also my mailing address and assured me that I would not be called again. I was contacted by XXXX XXXX  at least 10 times between XX/XX/XXXX-XX/XX/XXXX. On XX/XX/XXXX, a distant cousin sent me a detailed voice mail message from XXXX that was left on her answering service for me threatening to take legal action. I dont understand how my family member was contacted about my personal business, but to get that message from them was humiliating. I have never given anyone permission to contact my family or anyone other than me. I need this rectified immediately and because of the inconsistencies with this company I want the debt erased. I am XXXX, waiting to resolve my XXXX and I am unable work. I lost my house and have not been able to pay my bills ; this is stressful in itself. My XXXX is both physical and emotional, so when they constantly call and harass me, threatening me after Ive explained my situation MULTIPLE times, it causes me even more stress. I am highly disappointed in XXXX XXXX and feel that they have violated the Fair Act Collections Practices Act in contacted me and relatives leaving detailed messages about my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I received a hard inquiry on my credit report from XXXXXXXX XXXX XXXX I have called the company twice to report fraud and both times they agreed to send a letter to all the credit agencies to get this fraud inquiry removed. I have called all agencies and they said they have not received anything from this company. They stated I must fill out this report or they will not through the " Fair Credit Reporting Act '' remove this from my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX Accounts # XXXX XXXX XXXX Account # XXXX Account name XXXX XXXX XXXX. 
Account number XXXXXXXXXXXXXXXXXXXXXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account XXXX XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX All these accounts Has violates 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 consumer reporting agency can not furnish a account with out my written instruction 15 U.S.C 1681c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the Following of information any other adverse item of information, other then records of conviction of crimes which antedates the report by more then 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 the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

During XXXX ( XXXX  ), I had gotten a payment deferred. On my 2nd to last payment, I had a payment returned due to my bank having a fraud alert. I immediately paid the amount again, which was then XXXX days late. I got a XXXX day late remark on my credit report that they refuse to remove, saying it was XXXX days late. After checking my payment schedule and history and talking with a representative, it looks like the deferment was not applied correctly. They were going to remove the remark, but they continue to report it and claim it is accurate when disputing it with the credit reporting agency. The accuracy is also wrong, with multiple credit reports showing different months it was 'late ' as well as the loan being paid after it was paid off. This was the only 'late ' remark on any of my XXXX loans, as they are always paid on time, which makes me certain this was an error on their side. I was in communication with them throughout the XXXX issue, and was reassured that the deferment was in place with the additional payment moved to the end of the loan.
Product: Debt collection

Portfolio Recovery has been contacting me at work and via my personal phone number. I explicitly instructed them to STOP contacting me. They have stopped contacting me at work, but recently began calling me on my personal phone. I have spoken to my XXXX XXXX XXXX  attorney who filed my case that involved this debt over 13 years ago! The representative on the phone even stated, that, " due to the age of the debt, Portfolio Recovery will not sue you for the debt ''. They are openly violating Fair Debt Collection Laws.
Product: Credit card

Through the course of the last several years, I have made multiple requests not to have marketing materials send to my physical address. This has included refusing marketing mail pieces, opt-out of privacy notices, and requests send via online banking secure medium. Despite these efforts I continue to receive marketing related mail from this XXXX XXXX
Product: Student loan

I am writing to file a formal complaint against MOHELA, my student loan servicer, concerning issues related to the processing of my Borrower Defense application and the lack of transparency and communication regarding the status of my loans. 

On XX/XX/XXXX, I submitted my Borrower Defense application through XXXX, only to discover that my loan servicer had switched to MOHELA immediately after the submission. My loan has been under pause due to COVID and is currently under review for Borrower Defense. 

However, on XX/XX/XXXX, I received an email from MOHELA indicating that my student loan interest would be starting up. This prompted me to seek clarification on the matter, as I couldn't comprehend why my loan would be incurring interest while under consideration for Borrower Defense.

I have attended multiple schools that are on the Borrower Defense list, and my application is still pending. Despite my efforts to contact MOHELA to understand the status of my Borrower Defense application and the rationale behind the accruing interest, I have been unable to obtain the necessary information. The lack of transparency and clear communication has left me frustrated and concerned about the status of my loans. 

Moreover, I believe that some of my loans should have been eligible for forgiveness under the Biden-Harris loan forgiveness program for loans aged 20 years and over. Unfortunately, there has been no information or clarification provided on this matter. 

To add to my frustrations, as of XX/XX/XXXX, MOHELA has been reporting negative information to the credit bureau, incorrectly reflecting negative amounts paid off. I kindly request that this inaccurate information be promptly removed from my credit report.
Product: Debt collection

Reviewing my credit report, I found discrepancies in the form of unauthorized accounts. I ask that these fraudulent entries be removed and blocked immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX  XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX