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

Wells Fargo credit card reduced my available for purchase balance, from information gathered by credit card services that labeled me a risk. 
I have never been late on payments to wells fargo or any other financial institution, I dont feel I was treated fairly. 
When wells fargo reduced my limit they put me over 75 % usage, taking the surplus cash needed to make my account usage bellow 35 %. 
Being over 35 % in usage is negative to my credit rating, This hurt my small business as far as future growth, its more like a handicap. Credit card services has made a niche for them selves by making the banks believe they are providing protection. 
These people dont know anything about me. I lost my job 2008 during the banking failure, my home was being foreclosed, I pulled my home out and paid all my bills due and raised my credit score to XXXX, I did all of this while raising a family. 
I dont know if they broke any laws, They have certainly proved to be adversarial contrary to all things America should be.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your company have not supplied proof under the doctrine of estoppel by silence, XXXX vs XXXX ( Mo ) 281 SW 715, 719 I may presume that no proof of the alleged debt, Nor therefore any such debt, in fact exist/remove
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report To Whom It May Concern : This letter is to formally request a security freeze on my credit report.

I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 

My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX of Birth : XX/XX/1982 Social Security Number : XXXX Current Address : Address : XXXX XXXX XXXX XXXX XXXX XXXX FLORIDA XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 

Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2023 I received a phone call from Emergent Servicing regarding a debt that I did not recognize. I spoke with XXXX, upon attempting to tell her I did not know this debt she began to tell me that they emailed me and started rattling off several dates and an email that I do not use. I asked her how old this debt was? she replied that it was from XXXX somewhere in that time frame. She then violated the FDCPA by telling me she was giving me a chance to " voluntarily pay it '' which of course unless you intent to take legal action or have the ability to do so, this is a violation of the FDCPA. When I told her I was not paying something I did not have knowledge of she began to use abusive language towards me such as " you're just mad because you got yourself in debt and don't want to pay your bill '', she also told me she gave me a chance to talk ( which she didn't ) and she was talking now. She was yelling over me, insulting me and my intelligence and using rude and abusive tactics all because I did not agree to pay a bill I know nothing about. I advised her to Cease and Desist at this point because she was continuing to yell over me in which she completely ignored! I asked to speak with a supervisor or manager she refused and continued to yell. I had to end the call due to this. I did call back and speak with a nice gentleman named XXXX, he apologized for the behavior and agreed to remove my phone number and review the collection call. I would like for this company to be looked into for their abusive tactics, if they are doing this to me they are doing this to others that may not be so educated in debt collection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has violated my Federally Protected rights. I requested a method of verification letter and they failed to provide me with the requested information. Instead they disputed the accounts and came back with duplicate accounts of XXXX XXXX XXXX which is inaccurate after they stated all information was accurate. It it your grave responsibility to report accurate information and you failed to do so. An invoice will be sent for the violations under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my XXXX, XXXX, and XXXX consumer reports, I observed that Discover Bank has reported my transactions and experiences, particularly a late payment that you have posted on my consumer report :
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. I have contacted Equifax Information Services multiple times regarding this potential fraudulent activity on my consumer file report. They are incorrectly reporting an unauthorized Inquiry ( XXXX XXXX, XXXX XXXX | XX/XX/2020 ) that I never authorized nor was aware of. I need this item removed/ deleted immediately to further prevent any negative impact on my consumer report. My point of contact with Equifax 's Fraud Department verified his name as XXXX on Thursday XX/XX/2020 at XXXX pm cst.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account Name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX they have 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 XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( XXXX ) 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 1681sXXXX ( A ) ( XXXX ) 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

XX/XX/2023 Pentagon Federal Credit Union reports an old account to the 3 major credit bureaus as delinquent. This is inaccurate and unfair reporting. Ive disputed this account several times and requested that they remove the account in accordance with fair reporting act codes.
Product: Money transfer, virtual currency, or money service

On or around XX/XX/2022, Binance US restricted my account. No reason was given for the restriction. Case # XXXX ; ID XXXX. I want to withdraw my remaining portfolio balance of XXXX XXXX but can't due to the restriction. Binance will not provide a date when their review will be completed. Binance has been reviewing this issue for over XXXX weeks now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two collections files on my report that are old debts being reported as new. They are way past the statute of limitations for credit reporting agencies to keep these types of files on reports. I have submitted at least two disputes with no action done to resolve my issue. I am asking that the two files in question be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I paid my loan off in XXXX.The Company sent me my title and reported my account closed and delinquent. I've spoke to a agent with Wells Fargo.He stated it would be corrected but it hasn't yet.
Product: Money transfer, virtual currency, or money service

On XXXX my phone was stolen I looked and searched for my phone couldnt find it my bank apps was on my phone I called my bank to inform them of the fraud charges that was being done on my phone I wasnt able to use my card as well the bank froze my bank And I reported my phone missing to my phone company filed a police report and started my claim with the bank I sent the Bank of America my police report and the requested and then I was asked to send proof that I reported my phone missing to my phone company and disconnected my line as well I sent those documents both claims were denied I called numerous of time and was told my account was getting closed and I also notice while at work my account that was froze had been unfroze due to the fact the bank was closing my account and couldnt give me further information I called back numerous of time to be giving different stories one representative would all now access to my account then call back another would not give me any information this all started happening once I sent on my document that was requested showing that I reported to my phone company my phone was missing.I even drove to the bank to identify myself
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so annoying & frustrating. Ive sent XXXX multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In XXXX responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX OF XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Debt collection

I would like to say false statement is correct on the drop down statements but crime by not paying debit is not correct but system will not go forward without choosing XXXX more choice and there is not a correct XXXX for my complaint ... ..so pls disreguard my choice on XXXX drop down ) Under XXXX report info there is a collections from XXXX CITATION CENTER for {$110.00} which has been paid in full and shows closed, with a derogative remark which I feel very strongly needs to be removed .I continue asking for assistance with this matter. A little background would be in XXXX trauma accident XXXX I share that info only to show how until last year ( 5 years after accident ) I was not in any condition physically or more importantly mentally and emotionally to absorb most things going on around me on a daily basis. In XXXX I came across a bill ( from XXXX citation ) for {$110.00} which showed no indication what it was for ( Ihad had a bill for the same amount for XXXX transpotation which was directed XXXX so therefore I THOUGHT THIS WAS SAME DEBIT AND HAD BEEN TAKEN CARE OF AS IT WAS NOT MY BILL. I called immediately and asked what info was attached to that bill, I apologize at this time as I cant recall what the lady on phone told me but I recognized that the item was my debit and so I explained my circumstances and sincerely apologized and paid the debit immediately during the phone call, as was my responsibility .I have been recently been trying to work on my credit as within 2 months of accident many thousands of debit was fraudulently put in my name, I am very glad to say that for someone who has never had bad debit issues my credit score is now repaired and therefore to read on my credit report that this company choose to put " disputed resolved, customer disagrees " is so distressing to me when I agreed the debit was mine and paid with no problem and I also observe account reported XXXX XXXX XXXX and then again XXXX XXXX XXXX??? what does this mean? ( I question if the customer service with this company gets a bonus or at least recognition for any debit collected and if it seems like they worked hard, put pressure and received payment they shine brighter to management, more than simply taking a payment by phone??? THIS WAS NOT THE SITUATION ) YET this agent felt it necessary to put such a remark which stays negatively on my credit report, its is false .Thank You for your attention in this matter.
Product: Credit reporting or other personal consumer reports

I have good relationship with Experian which always alerted me of every activity. Anyway., I noticed a fake and/or perpetrated credit inquiry made by XXXX XXXX which is broad daylight fake stuff. I tried to fax the copy to the CFPB. Fax was so busy every time. My fear is the already premeditated criminal influence of the same perpetrator [ kind of unauthorized mediator and/or defence attorney ] who would have no trouble getting me taken down by the country., the people and their constitution by unidentified mechanism. Profiling? Check the attached documnent.
Product: Debt collection

On XX/XX/2021, in accordance of the law 15 U.S. Code 1692g - Validation of debts. I sent LendingPoint a debt validation letter for an alleged debt. I also sent a cease and desist in accordance of the law 15 U.S. Code 1692c - Communication in connection with debt collection. Since that date I have not received any communication by mail providing any validation information for this alleged debt. On XX/XX/2021 LendingPoint withdrew {$620.00} violating 15 U.S. Code 1692g and 15 U.S. Code 1692c. On XX/XX/2021 LendingPoint contacted me again via mail with a letter Dated XX/XX/2021 violating 15 U.S. Code 1692c, 15 U.S. Code 1692d and 15 U.S. Code 1692b - Acquisition of location information. LendingPoint is harassing, using profane and obscene language toward a federally protected consumer. LendingPoint operates as if they are above the law and continue to show this with there continuous violations of the law. If LendingPoint does have a promissory note it is a negotiable instrument and according to the law 16 CFR 433.1, 16 CFR 433.2, 16 CFR 433.3, the alleged debt is paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraud alert on all 3 credit bureaus. Also credit freeze. Trans union XXXX  shows 5 inquiries XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX / XXXX, XXXX XXXX. I never made these inquiries tsk tsk them off.
Product: Credit reporting or other personal consumer reports

Fraudulent accounts were opened in my name without my consent as a result of being a victim of XXXX XXXX. These accounts include auto loans, credit cards, and collection accounts from various financial institutions. I was coerced into financial arrangements that I could not control, resulting in adverse entries on my credit report. 

Upon escaping the XXXX  situation, I discovered multiple unauthorized debts negatively impacting my credit. On [ specific date ], I contacted the credit bureaus to dispute these accounts and began the process of clearing my credit profile. I also worked with XXXX XXXX, a federally recognized organization assisting survivors of XXXX XXXX, to verify my victim status and obtain supporting documentation. 

Despite my efforts, the disputed accounts have not been fully removed or corrected. On I filed an identity theft report with the Federal Trade Commission ( FTC ) and submitted documentation to TransUnion requesting the removal of fraudulent accounts under XXXX C.F.R. XXXX. Additionally, I requested copies of all account statements and evidence of debt legitimacy from the creditors involved. 

As of now, the following unresolved fraudulent accounts continue to affect me : XXXX loan from XXXX XXXX, opened on XX/XX/XXXX with a balance of {$45000.00}. 

Multiple XXXX  XXXX credit card accounts, opened on XX/XX/XXXX, with balances totaling {$3400.00}. 

XXXX XXXX  credit card, opened on XX/XX/XXXX, with a balance of {$1900.00}. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX with a balance of {$770.00} and another charged off at {$32000.00}. 

XXXX XXXX auto loan, disputed for incorrect payment records. 

XXXX accounts from XXXX XXXX ( balance of {$330.00} ) and XXXX XXXX ( balance of {$2200.00} ). 

These fraudulent accounts have severely impacted my credit, preventing me from obtaining housing, employment, and financial services. I am requesting the CFPB to facilitate the immediate removal of these accounts and to ensure compliance with regulations protecting victims of XXXX XXXX. 

Thank you for your attention to this matter and for supporting survivors like myself in regaining financial stability.
Product: Prepaid card

My name is XXXX XXXX. On XXXX my navy federal prepaid debit card was stolen. I noticed two purchases that was made without my permission. One for {$1400.00} at a sams club and the other for {$24.00} for an apple product. Ive never been in a sams club and never bought an apple product ever. When I informed navy federal of the fraudulent charges. They denied my claim but never gave me the proof that I requested for.
Product: Credit card or prepaid card

On XXXX XXXX, XXXX, I contacted Avant LLC to transfer my balance in the amount of {$320.00} to a lower interest rate credit card. I was told by the Customer Service Rep that it wouldn't be a problem long as my account was in good standing ( which it is ) and the interest rate would need to be lower than the rate offered by Avant ( which it is ). After being placed on hold for 3 minutes, the rep informed me that I could not transfer my balance. I asked why not? Her response was it was Avants policy that they do NOT allow balance transfers. However, they will accept balance transfers from other credit card companies. I informed the rep that what she was telling me was NOT included in the " Terms of Agreement '' when I opened the account. She said that it is their company policy, and it isn't disclosed in the Terms of Agreement. I asked to speak to a supervisor. I was on hold for 20 minutes waiting to speak with a supervisor. The supervisor informed me that they do NOT honor balance transfers. I asked if the information she was providing could be mailed, emailed or faxed to me and she stated that it couldn't. I asked why not, she said the information was a company policy and could not be shared with anyone.
Product: Mortgage

RE : ShellPoint Mortgage Servicing Account : XXXX I paid off my mortgage in full on XX/XX/XXXX. 
On XX/XX/XXXX, I received s Discharge of Mortgage notice and release of Lien. 

On XX/XX/XXXX, my credit report did not reflect the updated balance. I contacted Shellpoint and was advised that they needed 45 days. 
On XX/XX/XXXX, both XXXX  and XXXX still show my mortgage as open and owing {$50000.00}. I filed a credit dispute and on XX/XX/XXXX, XXXX fraudulently advised the credit bureaus that I still owed {$50000.00}. 
Today, XX/XX/XXXX, I contacted Shellpoint and they confirmed the {$0.00} paid in full balance, but would not assist me with the credit reporting dispute. 

Please accept this notice that I wish to file a formal complaint against Shellpoint Mortgage Services for failure to comply with the fair Credit reporting Act. 

Thank you. 
XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I entered into this lease around XX/XX/XXXX and have made all payments as agreed. 

We moved from XXXX to XXXX in XX/XX/XXXX and it took us three months of working with Kia to get the information needed to transfer the title. The process was extremely frustrating. 

Then in XX/XX/XXXX I received a bill for an addiitonal {$28.00} per month for NC state property taxes. I sent Kia a registered letter documenting the fact that I paid the property tax at the time we registered the vehicle. I asked them to research and refund me the amount I paid or to explain why they were billing this amount after I provided proof of payment. 

Then in XXXX I received another bill for Texas property taxes. Since we have not lived in XXXX for almost 6 months I asked them to provide me with more information about the taxes billed. 

Since last XXXX I have made countless calls, sent numerous emails and three registered letters asking for more information and detail on the amounts being billed. I have not received any response to any of these requests. 

Now I am receiving collection calls about these amounts and asking when I can pay. I have told them repeatedly that I am willing to pay once someone responds to my numerous requests. The collections agent says that they can not answer any questions and can not provide any assistance in getting the tax department to respond. 

As you can imagine, I am at my wits end and feel this behavior by Kia is very unfair and borderline abusive. They are threatening to report me past due and stating that the calls are an attempt to collect a debt but they refuse to provide me any supporting documentation or information. I am not sure what else I can do.
Product: Debt collection

This is not a duplicate complaint I would like for this company to verify this debt. Send signed contract. Not itemize bill.
Product: Checking or savings account

In an attempt to link my bank account at PNC with the XXXX app, PNC has made a change that prevents me from willingly allowing them to exchange my data with the app.