23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Please investigate and provide Proof with statements showing that these payments were late. If proof can XXXX XXXX XXXX ; t be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Student loan

I would like to speak with a representative from EdFinancial Services because I have questions regarding my interest and the new Income-Driven-Repayment plan I just enrolled in. I was unable to find an answer online. I tried to call their number and it said the wait time was XXXX minutes. I then tried the chat feature but that was automated, so I was unable to find my answer there. I'm still " waiting for a callback '', but on the phone they said I would receive a call after XXXX XXXX, and according to their hours listed, they're not even open that late. I will try again XXXX  if I don't hear anything, but it is impossible to reach someone!
Product: Credit reporting, credit repair services, or other personal consumer reports

ORIGINAL COMPLAINT XXXX AS STATED THIS IS FOR WF CREDIT CARD ACCOUNT XXXX. THIS IS NOT FOR MY MORTGAGE. THIS IS FOR A WELLS FARGO CREDIT CARD THAT HAS BEEN CLOSED FOR YEARS AND YOU ARE ADDING REMARKS TO IT WHEN IT IS CLOSED. FURTHERMORE XXXX AND XXXX CONTINUE TO ADD REMARKS ON THIS ACCOUNT & HAVE NOT REMOVED ANYTHING. CLEAN UP THE MESS YOU MADE ON MY CREDIT FILE. 

I demand XXXX REMOVE ALL COMMENTS AND STOP ADDING NEW ONES : " and dispute investigation completed, consum ; CLOSED '' The only thing this account should say are the ORIGINAL COMMENTS : CLOSED PER CONSUMER. CLOSED AND PAID. 

I demand XXXX REMOVE ALL COMMENTS AND STOP ADDING NEW ONES : Consumer Disputes- Reinvestigation in Process Consumer Disputes After Resolution The only thing this account should say are the ORIGINAL COMMENTS : CLOSED PER CONSUMER. CLOSED AND PAID. IDK why XXXX WF or any of these credit bureaus put notes on an account I NEVER disputed and that has been archived for years. These people just like to make people 's lives XXXX & disrupt their livelihood.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted complaints to all 3 Consumer Credit Reporting Bureaus including # 1.  XXXX, # 2. XXXX & # 3. Transunion about the inquiries they put on my Consumer Credit profile that I don't recognize Nore gave Permission to review my Credit. 

I sent them via Certified Mail and have my Receipts from Dates I sent them, I have not heard from them at all but I also explained that 2 of my past accounts were closed ( one in good standing ) but they are still Reporting Late payments 3-Months ( XXXX XXXX ) after the Account have been closed in Good Standing 3 Months prior, Another problem with XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint : Balance Paid to XXXX prior to putting this in my credit report Dispute : This was paid there is no balance XXXX. 
Request : Remove from my credit report.Complaint Against : XXXX XXXX XXXX Creditor : XXXX  XXXX  {$330.00} PAID there is no balance.Good afternoon please investigate this issue XXXX XXXX  company has deposited false information in my credit report. I am aware that this is a fraudulent company and they have stolen people information claiming they are the creditors. I have already paid the balance that I had with XXXX. I have never had an account with XXXX  XXXX. Please remove this entity. The balance I had was only {$330.00} in which I have since paid please check with XXXX  XXXX  this is paid. {$430.00} listed in credit report this is inaccurate.
Product: Credit card or prepaid card

XXXX 's XXXX XXXX, underwriter Wells Fargo refuses to increase the credit limit to a much higher amount. Monthly required payment has never been late. Account has been opened for over a year. Each month, more than the required payment has been made on the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should BE blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future. It has well over 30 days since submitting all the proper documentation and the bureaus have given me no reprieve in the battle to reclaim my life.
Product: Credit reporting or other personal consumer reports

i recently review a copy of my credit report and notice i had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit
Product: Debt collection

I have wrote this company and got a answer from this cpfb with bill and statement saying I paid {$760.00} which is the last payment on this account I never paid {$760.00} on this account who. Made the payment who is the ac, ount really for they won't answer this but tell me ita mine Show me the contract that I signed with this account signature and ID XXXX has deleted this item for payments stated I never made This is fraud Can someone from the cpfb please help me Please have this account deleted I'm sending thw documwnt they want through the cpfb showing I made a {$760.00} payment I never made this payment Also if this payment was made the account wouldnt be {$800.00} since the limit ia {$800.00} that does not make sense {$760.00} from {$800.00} is {$39.00} {$39.00} would be oqed and not {$800.00} It was close when this {$760.00} payment was made I didn't make the payment
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Requested Correction : please update any and all info to my credit reports and take notice I have sent all evidence to support my claim. 
In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, and correc any and all the item. Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. As you are well aware, failure to do so will result in a complaint being filed with the Federal Trade Commission.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FAIR CREDIT REPORTING ACT. XXXX, XXXX and Equifax all violated my federally protected consumer rights by publishing information to my credit report without my consent. As a consumer I am federally protected from these types of corporate high tech identity thefts. These is the information / accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  There are also XXXX inquiries on my XXXX credit reports. XXXX, XXXX, and Equifax have all committed fraud and violated my rights under 15 USC 1681 section 602a. that states : I have the right to privacy. I want it.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score is XXXX. TransUnion lowered my fico score from XXXX to XXXX. 
TransUnion removed XXXX points was taken from my FICO score. 

It's doesn't make logical sense to be Debt free, maintain a credit score over XXXX & have my fico score lowered for NO LEGAL reasons. 

TransUnion needs to be investigated for discrimination against me! I'm a XXXX veteran, XXXX XXXX woman. I pay off all my credit cards monthly. I'm financially responsible. 
There NO LEGAL justification for TransUnion to lower my FICO score XXXX points. My credit score is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In late XXXX I discovered that Equifax was not pulling any of my data, offering the code NH for No Hit. On XX/XX/XXXX, I faxed required information that a representative told me I needed including a social security card, an ID, and a piece of mail with my name and current address. On XX/XX/XXXX, I received a letter from them that told me the information I gave them was not matched on their files, which the problem being I currently have no file. On XX/XX/XXXX I mailed them another letter with information including an ID and social security card. It is now XX/XX/XXXX and I still have not received any correspondence, despite them saying it may take up to 5 business days. 

I have no issues with XXXX or XXXX XXXX, but the issues with Equifax are preventing me from pursuing an apartment and moving forward in life.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

AMERICAN EXPRESS and solely AMERICAN EXPRESS company has affected my credit score and utilization ratios. 

In XXXX, American Express reviewed my AMEX Platinum card and reduced its limit from NO LIMIT to {$2800.00} bringing that card instantly to a 42 % utilization ratio. 

This adverse action by them then affected my credit score, which brough it down and therefore affected the way my credit is reviewed from that point forward. 

In XXXX, American Express, once again " reviewed '' my credit and decreased my AMEX blue, which had a credit limit of {$10000.00} and a balance at the time of {$5500.00}, down to {$6100.00}. That brought my utilization ratio to 90 %!!! It also brought my credit score down once again. 

They then " reviewed '' my credit once again after their prior decreases and took an adverse action to now reduce my AMEX business card from {$2900.00} to {$800.00}. With only a balance of {$370.00}, it brought my utilization ratio to 46 % They also created a preset spending limit on my business card. 

I contacted them on XX/XX/2023 in order to reach a compromising resolution for both parties and their only response was to wait for another " review. '' I noted to them that if they don't reverse some or all of the decrease 's, then they are putting me in an unfair advantage of having my credit affect me adversely for anything else. They did not care nor did they offer any reasonable resolution. 

The ONLY credit card company in ALL my history of having credit cards has been American Express to use my credit and their adverse actions to decrease my limits, therefore affecting my utilization ratio across all my credit and bringing my credit scores down even further. 

It is noted that the FAIR Credit Reporting act is supposed to make companies use information within your credit reports in a FAIR way. American Express has found a way to unfairly review my credit reports and NOT take into any consideration my actual credit history. I have never missed a payment. I have paid above my minimums and always way before any due dates. I have paid off all my debts before ( just last year I paid off all my debt. ) I had never held an American Express card. I had worked on raising my credit over years. When an American Express was offered to me, which was the Platinum, I saw it as a benefit for my credit history. I regret entering into any credit agreement with American Express as they are unfairly dismantling my credit month by month without a FAIR and reasonable reason. Their actions and so-called " Reviews '' of my credit have brought my credit down over 20 points since XXXX. 

This MUST BE HELD as an UNFAIR Credit practice! Consumers should not be punished for doing what it is they are supposed to do!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XX/XX/2022 received email from Capital One that they are inexplicably closing my accounts & returning funds via check within XXXX days. 
This time frame has passed & when I called they said account was under " review " and suspended indefinitely. We simply want Capital one to honor their word & return my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require XXXX and Equifax to validate account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this off my account
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due Inadequate customer, customer service and unfair practices, Which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, Leaving my account vulnerable and unprotected.Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. these actions Have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # ending in XXXX Receivables Management Systems is not license to collect in the state of Texas therefore according to 15 U.S. Code 1692c - ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt.
Product: Credit card

We like every other American have been having the same issues as everyone else. We have a child so we have to pick and choose. We have worked with Midland Credit Management many different times. We have actually paid old credit cards off. Right now I just found out that I have a XXXX XXXX so we are dealing with a ton of medical things right now. We will for our child first. It is not our fault that the country and our economy is the way it is. We are not made of money, Our mortgage was just raised a XXXX XXXX XXXX XXXX, I am unable to work right now do to my XXXX. So please they need to stop bothering us, we all get things done. I do not need this extra stress right now. Some of us can not help the fact that interest rates are insane and no-one in this country can keep up with anything!
Product: Debt collection

We have been harassed by Portfolio Recovery Associates , LLC for the past few years regarding an alleged {$310.00} debt from XXXX Bank they purchased supposedly from my wife ( XXXX XXXX ) from before we were married ( 18 years+ years ago ). We asked why we never received anything from the company ( XXXX 's ) saying we owed money, and if we did, why did we have an active credit card with them 15 years later? We asked Portfolio Recovery Associates for a Bill of Sale proving what the alleged debt was, when it allegedly occurred, what was the purchase, etc... They provided us nothing but a letter claiming they purchased the debt on XX/XX/2020. We want the phone calls and letters to stop. We want the alleged debt to be removed and for it to be removed from any and all credit reporting agencies they may have reported this to.
Product: Debt collection

I keep getting calls from Navient for a person I do n't know in reference to another person I do n't know. Three times at least I have returned the calls and told them they have the wrong number, that I 've had this phone number for almost ten years, and each time they promise to remove it from the account, but they do n't. I 've tried XXXX the name they ask for, but the only one I can find in the area XXXX years ago.
Product: Credit reporting or other personal consumer reports

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXXRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, XXXX.
Product: Debt collection

I received a phone call from XXXX in XXXX XXXX  phone number XXXX. The lady told me that it was an attempt to collect from an old loan. The only loan that I had was from XXXX XXXX back in XXXX but she processed to tell me that it for a loan for something else that I had never heard of, but had all of my personal information and proceeded to tell me that information but didn't agree to any of it. Was then asked how did I want to settle this and I hung up and blocked the above number.