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

Ive been a Care Credit/XXXX XXXX cardholder for 4 years. During all of this time, my Credit Limit always remained the same. Initially, when requested they would never increase my Limit nor change it. Not even for emergencies or while having a high credit score. 

Now, that I finally received my dispute credit via CFPB & am satisfied with that resolution. There 's a consequence ... due to my CFPB request they seem to have decided to decrease my credit by A XXXX dollars. 

Its not fair. This sudden change does nothing for them. I have a perfect record with them, which is something they should be more concern with. I even increased my monthly payments amounts and owe very little at this point. In conclusion, this change only hurts me ( their customer ) by affecting my credit. The lower the CL is for an account, the higher my credit use becomes. I do n't plan on using the {$2800.00} but I just want it higher to benefit my credit score. If it was never changed in 4 years it should not have been changed now following my dispute resolution. 

I did reach out to XXXX XXXX requesting them to leave my Credit Limit as it was but they declined this. I waited over 1 month trying to work this out with them. I was told Corporate would be contacted twice and they never responded. Then, I reached out again and waited another 10 days for a decline letter via mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18, my credit was checked by XXXX without my authorization. As a result, someone opened a XXXX XXXX Account No. XXXX in my name and added 5 phone lines. I received a bill in the amount of {$590.00} for services and phones I did not authorize or purchase. XXXX XXXX told me to file a police report, which I did. Since then, I can not even get the XXXX XXXX Fraud Department on the phone. There is a 2-3 hour hold time and no one ever comes on the line.
Product: Credit reporting or other personal consumer reports

According to Equifax and XXXX this loan for XXXX XXXX XXXX  was charged off from the months of XXXX XXXX XXXX. How can a company charge off a loan and then continue to collect on it. 

I never gave my consent for my private information to be made public and used against me.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/year>, I fell victim to a multi layered scam operation which led me making deposits for a total amount of {$21000.00} USD from my XXXX XXXX XXXX account to TD Bank at the instructions of the scammers
Product: Credit card

I HAVE XXXX CHASE CREDIT CARDS AND I MADE ELECTRONIC PAYMENTS ON BOTH ACCOUNTS ON XX/XX/24 ; THE PAYMENT MADE ON THE CREDIT CARD ENDING IN XXXX WAS XXXX AND AT THAT TIME THE BALANCE DUE WAS XXXX BECAUSE I MADE THE PAYMENT ON XX/XX/24 AND THE PAYMENT WAS NOT DUE UNTIL XX/XX/24, I WAS CHARGED FOR FAILING TO MAKE MY MONTHLY PAYMENT ON THE ACCOUNT THE ACCOUNT WAS UP TO DATE AND HAD BEEN PAID ELECTRONICALLY THE MONTH BEFORE THE EXPLANATION GIVEN BY CHASE WAS THAT MY XX/XX/24 PAYMENT WAS 'EARLY ' AND WAS NOT CREDITED TO THE AMOUNT DUE ON XX/XX/24 WHICH WAS THE BEGINNING DATE OF THE CREDIT CYCLE - EVEN THOUGH I HAD OVERPAID THE BALANCE DUE. 
I WAS CHARGED A LATE FEE BECAUSE I DID XXXX MAKE ANOTHER PAYMENT ON THAT SAME BALANCE BETWEEN XX/XX/24 AND XX/XX/24.
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 XXXX Account Name : XXXX Account XXXX Account Name : FXXXX XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXXXXXX XXXX Account XXXX has violated my rights. Or a 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, credit repair services, or other personal consumer reports

Hi I am coming to you to talk about an account listed under my name and social that I noticed does not belong to me. I have sent several letters to the XXXX, XXXX, Transunion, and XXXX to fix it. There seems to be a confusion on the accounts being association to me and I do not take responsibility for something that is not mine. I have contacted them so it could be resolved before I ask for payment for violating my consumer rights. It is my understanding that per 15 USC 1692 ( g ) Validation of Debts that only way an account can be validated is by speaking with the original creditor and I am the original creditor. There are addresses that I never lived at or even provided the information that I did live there. A company or corporation can not tell me where I lived nor can they verify that in any way. I want my credit report updated to reflect true valid information.
Product: Mortgage

On XX/XX/XXXX, I conversed with Mr. Cooper 's Customer Service Representative, XXXX, who assured me that my account had been paid in full. He elaborated on the processing timeline for the requested documents, estimating a completion window of 20 to 30 days. Regrettably, despite XXXX 's reassurances, neither the Payoff Notice nor the Lien Release document materialized. 
Residing in North Carolina, the absence of the Lien Release document came to my attention only when I endeavored to proceed with the sale of my property. Subsequent attempts to rectify this oversight through Mr. Cooper 's customer service channels proved fruitless, despite SEVEN chat interactions with NINE customer service representatives, and TWO email correspondences, from XX/XX/XXXX, to XX/XX/XXXX. 

Enclosed, please find a comprehensive record of the unsuccessful chat and email attempts to obtain the requested documents, including copies of all pertinent correspondences ( Paid in Full Letter, and copies of the emails sent to Mr. Cooper ). 

For your reference, here is a timeline of my interactions with Mr. Cooper 's customer service representatives for the past 2 months, including whether the issue was escalated, and when I could expect the Lien Release to be sent to me : - Initial Contact - XXXX, XX/XX/XXXX, within 24-48 hours. 
- XXXX XXXX # XXXX XXXX XXXX XX/XX/XXXX, within 4 to 7 business days. 
- XXXX XXXX # XXXX XXXX, XX/XX/XXXX, follow back on XXXX  [ in 2 days ]. 
- XXXX XXXX # XXXX - XXXX and XXXX, XX/XX/XXXX, within XXXX to XXXX business days. 
- XXXX XXXX # XXXX- XXXX, XX/XX/XXXX, XXXX will email within 24 hours. 
- XXXX XXXX # XXXX - XXXX and XXXX, XX/XX/XXXX, issue escalated, within XXXX to XXXX business days. 
- XXXX XXXX # XXXX XXXX, XX/XX/XXXX, issue escalated, within 3 to 5 business days.

Given the prolonged duration of this issue and the lack of resolution despite my persistent efforts, I am reaching out to you for assistance in expediting the issuance of the overdue documents.
Product: Vehicle loan or lease

On XX/XX/XXXX, I paid TD AutoFinance {$7500.00} to pay off my auto loan. On XX/XX/XXXX I made an errant {$5000.00} payment on the same loan. XXXX XXXX XXXX stepped in to recover the {$5000.00} and were successful in doing so. TD AutoFinance sent me the title and a refund check of {$4.00} because I overpaid. Since that time they properly reversed the {$5000.00} payment on my account but also errantly reversed the {$7500.00} payment and only applied {$2500.00}. I have been on the phone with them a dozen times and have received multiple phone calls and lately have received letters stating they will report me to credit bureaus and have the right to repossess my vehicle. I have also sent 2 letters to their complaints department with no response. They refuse to get on the phone with XXXX XXXX XXXX to resolve this issue. They will not send me record of the all of the phone calls I've made or the phone calls they've made to me. This loan was paid off in full yet they will not clear the account. My most recent attempts once again to address this issue began again on XX/XX/XXXX with a supervisor XXXX XXXX who said the issue was obvious and it would be resolved. It was not. I then spoke again on XXXX requesting supervisor call back with no response. I called on XXXX requesting a supervisor call back with no response. On XX/XX/XXXX I spoke to rep XXXX who said the cashiering department would call me back with no response. I called on XX/XX/XXXX and spoke to a rep and then tried to conference XXXX XXXX XXXX and she hung up. I called back and spoke to a new rep who said a supervisor XXXX XXXX would call be back within 24-48 hours. This has gone on long enough with countless hours of wasted time. I paid off this loan and at this point I consider TD AutoFinance behavior to be harassment. I am providing my bank statements and my TD AutoFinance running balance which shows how they errantly misapplied my payment. It shows the {$5000.00} being returned on the errant {$5000.00} payment and also shows the {$750000.00} not being fully applied. XXXX XXXX XXXX is more than happy to assist through their claims department ( XXXX ) as they can show my funds were sent and no longer in my account. Please assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX the following accounts have violated my rights 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 15 U.S.C 1981 Section 604 A. States I have the right to privacy 15 U.S.C 1981 Section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions There is also information that does not belong to me that is being reported on my credit report I already disputed the information and they keep adding it on my credit report I have never lived XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this is not my address
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account from XXXX  XXXX that was removed from my XXXX and Experian credit file on XX/XX/XXXX due to identity theft. It was re-inserted back on my credit report as a collection which is a violation to the Fair Credit Reporting Act as of XX/XX/18. I am filing a complaint that this account has been reinserted on my credit report. I demand that this be removed permanently.
Product: Debt collection

I called the company and the bureau to let them know this information was inaccurate and based on the FCRA 611 they did not follow the correct laws nor provide proof of verification with a wet signature. I am not liable for this credit collection serv account with the balance of 333, I was not provided with the original contract.
Product: Credit reporting or other personal consumer reports

To my disbelief my credit report has been accessed by these companies without my authorization nor consent, which has negatively impacted my credit and credit score. I reached out to Equifax, and their representative assured me that these inquiries would be removed. However, they still appear on my report. These unauthorized inquiries are causing me significanXXXX XXXX  and concern that I might be a victim of identity theft, adding undue stress to my life and further damaging my credit score.
Product: Money transfer, virtual currency, or money service

I have had a western union account for 2 years and a transaction in XX/XX/2022. When I tried to make a transaction 4 days ago my account had been deleted and all bank & personnel information was lost along with rewards for deducting fees for bank transactions. They have not been able to resolve any of the above issues. I didnt ask for my access to be deleted and sent them photo copies of past transactions but still cant resolve my issues. 
XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I attempted for two hours to unfreeze my credit with XXXX and to see my credit score. 
After two hours on their website I was able to finally get my credit unfroze but unable to see my credit score. 
Their website & search icons are built to take you to pages that again & again attempt to coerce you into buying a subscription service in order to complete your business with them. These sites also are very sneaky into trying to get a lesser aware consumer into actually paying for something they are supposed to get for free. 
All three : XXXX XXXX & Experion gave me GREAT difficulty in getting both my credit score and allowing me to unfreeze my credit for a purchase even though I had an account already set up with all them! 
This is wrong, it is purposeful manipulation to sell you a product you do not need!
Product: Debt collection

I was in an accident XX/XX/2016. I reported to the emergency room with no medical coverage. I made the hospital aware that I had automobile coverage for claim. I also made the hospital aware I was in a hardship due to this accident. I am XXXX and unable to work. However, I have been contacted several times in regards to a bill for {$310.00}. I recently, was contacted with additional bills that were not related to such matters mentioned. Nevertheless, I have proof of hardship. I do not believe I should be responsible of bill or bills no limited to the accusations against me and my credit. Included is a copy of my hardship from XXXX as well as addresses involved to this matter.
Product: Credit reporting or other personal consumer reports

This addres XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX, is on my account Ive never lived here and the address is inaccurate, it states its an apartment but its a house
Product: Money transfer, virtual currency, or money service

on XX/XX/2018 i sent a wire transfer to a bank for {$4500.00} to help a friend with travel arrangements the beneficiary was the travel agency. my bank in hawaii and XXXX XXXX XXXX have traced the wire transfer to the beneficiary.that the wire was complete however the travel agency is saying the bank did not receive the funds. I have all the files regarding this transaction as well as all the evidence showing the wire was complete. I have tried to e mail it to you as well as faxed it but I have not heard from you confirmation that you recieved it. Could you please HELP me??????
Product: Mortgage

The loan was in forbearance but they are reporting it as 120 days late as of XX/XX/2020. I am enclosing the mortgage verification from them showing no late payments so it appears that it's correct but they are reporting me delinquent to the credit bureaus.
Product: Checking or savings account

I deposit a check into my account and right after they blocked my access to all my accounts. They cant verify my identity over the phone. The funds on my account are frozen and they refused to help me over the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Criminals accessed my credit report to check me out and then fraudulently acquired a auto loan in my name # XXXX. I have complained heavily against XXXX XXXX XXXX XXXX but to no avail. The credit was not extended to me but to the criminals. XXXX XXXX XXXX XXXX  continually denied so I am proving the fraud since XXXX XXXX XXXX XXXX did not have permissible permission to access my credit report. XXXX and Experian also have liability because they are refusing to acquire the permissible permission from XXXX XXXX XXXX XXXX, review the permission that does not exist, and then remove the negative listing from my report. XXXX  XXXX XXXX XXXX is relying upon an forged, undated, and incomplete application.
Product: Credit reporting, credit repair services, or other personal consumer reports

A relator from XXXX XXXX XXXX in XXXXXXXX MI  assured me that he would use a credit pull from a previous lender when I gave him my information, he then told me that he would not charge me to run my credit report and then he paid to run my credit report without my permission and then said I told you I wouldn't charge you. His name is XXXX XXXX this happened on XX/XX/2022
Product: Money transfer, virtual currency, or money service

I had problems with cash app. This is my third cash app. The first two were compromised. Money was stolen and never returned. Information was leaked due to a breach. Never got a return call or refund or even an apology. Accounts were closed with money still on them. And were not able to retrieve any finances due to it being locked. Was told to make another. I use cash app to run my small business and have taken a loss on two different occasions and have yet to be contacted by a live agent. 1800 number is automated no live person. And still havent had my money returned to me.
Product: Debt collection

I received today this weird mail From XXXX XXXX XXXX about a citation committed in XXXX XXXX in XXXX. A speeding ticket for apparently speeding XXXX km More than tolerance level. The ticket is for XXXX 
This is ridiculous. I have done no such thing. This is XX/XX/XXXX.
Product: Credit reporting

I have never lived at this address : XXXX XXXX, IL XXXX Kindly remove it from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 60 - 120 ) days  past due on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) These accounts report a {$0.00} balance. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This incorrect reporting of lates is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Product: Debt collection

On XX/XX/2020 I disputed two accounts from LVNV Funding that are listed on my XX/XX/XXXX and XX/XX/XXXX credit reports. I have yet to receive a response from this company. Per FCRA, LVNV Funding ( aka Resurgent ) has 30 days to investigate the item, or they must delete it from the credit report. Upon pulling my credit report today, the items are still in dispute status, but I have not received any correspondence from this company. Furthermore, on my credit report dated XX/XX/20 the accounts were reported as " closed '', but on my most recent report it was marked as " open '', yet still in dispute status. I have a attached a copy of the line items as listed on my credit report as proof.
Product: Credit reporting or other personal consumer reports

Can you remove these inquiries? I dont know anything about them, and the company did it without my authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the XXXX to verify account # XXXX filed on XXXX and I checked, they are still reporting inaccurate information. In accordance with FCRA they have violated my rights. I have the right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Goldman Sachs credit card ( with XXXX XXXX  ) reported misinformation on my credit profile with the 3 credit reporting agencies : XXXX, XXXX, and XXXX, without my written authorization. They indicated I had late payments on XXXX and XX/XX/2017, and this is not true. Under the law, 15 U.S. Code 1681b - Permissible purposes of consumer reports, I am requesting this be removed from the 3 credit agencies under this legal precedent.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  popped up on my XXXX, they are the result of identity theft, XXXX has not blocked them. 

XXXX XXXX ( I have never heard of this company ) I have submitted complaints her for them, but the CFPB is never able to resolve it because they can not get into contact with them, and has even sent it to the FTC for investigation. 

the other is LVNV funding, which is for a XXXX  XXXX card I haven't had, I have had XXXX XXXX  XXXX card which was paid off in 2018, I never got another one after that. 

I have provided all the required documention the FCRA requires, and it has yet to be blocked.
Product: Credit card

Without informing me in any way, a merchant processed a transaction as a cash advance for no apparent reason. That produced interest and other charges to my account. I have asked the company repeatedly to process the transaction as a normal credit card transaction unsuccessfully. 

The transaction in question took place on XX/XX/year> for {$200.00}
Product: Mortgage

On XX/XX/XXXX, I mailed my XXXX School tax bill for my VA mortgage to PHH Mortgages Services for them to pay the tax bill in the discount period ( in the amount of {$1000.00} ) from my required escrow account. The payment was due on or before XX/XX/XXXX. 

On XX/XX/XXXX, the mortgage servicing on the loan was sold to XXXX XXXX  XXXX. 

On XX/XX/XXXX, I was notified by my county tax claim bureau that the XXXX tax bill was never paid by PHH Mortgage Services and now was delinquent and additional penalties, interest and fees were now due ( the new bill is now due in the amount of {$1100.00} ). 

I immediately contacted PHH Mortgage Services and asked why the bill had not been paid and complained that due to their failure to properly service the loan, additional penalties, interest and fees were now due, in the amount of {$150.00}. The response from PHH Mortgage Services customer service person was that they no longer serviced the loan and they had no responsibility for anything. 

I pointed out that due to their failure to properly service the loan, I was being financially penalized. As a XXXX, XXXX veteran, the {$150.00} penalty is something that I can ill afford. They told me to contact the new servicer, XXXX XXXX  XXXX. However, XXXX XXXX   XXXX did not service the loan at that time and they did not pay the bill either. 

PHH Mortgage Services refuses to take any responsibility for their fiduciary responsibility failure and I am being financially penalized for their incompetence. The {$150.00} should be paid by PHH Mortgage Services as the bill had been presented to them in a timely manner for it to be paid.
Product: Checking or savings account

I contacted Betterment a number of times over the last couple of weeks to investigate investing with them. The customer service personnel are completely inadequate for the task, unable to answer any questions aside from the very superficial info provided on their website. They gave me the runaround and in multiple calls would not connect me with anyone who had the required knowledge. This broker dealer operates on an unethical scam methodology, preying on those who are not sophisticated enough to know what to ask. A number of times the reps put me on hold for an extended time to try to get answers to my questions, only to come back with promises that they would follow up, with just one email response consisting of just a form letter pointing to the website without the ability to interact for required answers. The last rep told me they would charge me to speak with a more knowledgeable person there to provide information needed for me to decide whether to invest with them! This kind of outfit should be banned. As part of the poor organization strategy, the firm should be more concerned with hiring higher skilled employees that are capable of doing their job properly instead of the focus on " diversity '' emphasized on their website. I had multiple conversations with reps on their main cust support line, XXXX, and corp number, XXXX, where their was only a recording and they never called back when I left a message.