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

I have had this credit card with BoA for probably twenty years. My ex-husband left me with a lot of debt on this card and I paid it all off last year, over {$30000.00}. My credit limit got reduced slightly at some point but was still I believe over {$25000.00}. This year I used the card very little because I am trying to refinance my mortgage so that I can hold on to my home post-divorce. Recently I noticed I had missed a payment, not realizing that I had used the card for some on-line purchase. I paid the total in full, to zero. It was about {$450.00}. The next day, I received notice that my credit limit had been reduced from over {$25000.00} to {$500.00}. 

I called BoA to find out what happened and to complain. The woman on the line kept telling me how much she valued me as a long-term customer but that she was unable to explain why my limit would be so drastically reduced. She promised that someone from the correct department would call me the next day. No call that day, nor the day after that. it has been five days, still no call. All I got was a letter with no explanation except to say that my credit report showed a delinquent bill. 

I am in good standing with mortgages on my home and rental property ; all are in forbearance and I make regular monthly payments to cover the interest. I had one blip on my account from a company that bought an old debt of my ex husbands from XXXX and put it in my credit score ; I quickly got that removed. So I have no idea what this is about, but a credit limit reduction of that size is going to damage my credit score so irreparably that I will literally not be able to refinance my mortgage. This decision by a company that I have faithfully been a customer of for twenty years, and with whom I paid last year, by myself, a {$30000.00} debt to XXXX, has just made it impossible for me to hold on to my home because of the impact of this unfair decision. I was rarely even using this card this past year, so there was no risk of my suddenly using up the credit! 

If they want to make a reduction in my credit limit, they need to explain what it is about and allow me to correct the record if they are wrong ; if they still want to make a reduction, it needs to be a reasonable reduction, not a reduction of XXXX percent of my original limit!!! They have claimed to care about their customers, and this is how they treat a customer of 20+ years, destroying our relationship and making it impossible for me to refinance my mortgage and hold on to my home during a global pandemic and a difficult divorce.
Product: Debt collection

On XX/XX/2024 I reached out to XXXX XXXX XXXX in regards to this alleged it? I requested an investigation for this collection, and I am still waiting for results. I am not familiar and I do not owe this collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the third time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

Equifax is reporting a XXXX XXXX charge card from XXXX on my credit. The card is closed, but I was born in XXXX, there is no way that card was mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a debt validation letter to XXXX XXXX on XX/XX/2018. They are unable to hard copy proof validate the debt.
Product: Debt collection

Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. 

I sent a certified letter on XX/XX/2023 ( see as attached ) and I have documentation it was received ( see attached document ), but as of XX/XX/2023 there has still not been any response.
Product: Credit reporting, credit repair services, or other personal consumer reports

8 Years I cant get a New Credit Card Becuse of the Attached Photo of a Extended Consumer alert in my Credit File ====== Can XXXX Equifax and XXXX XXXX please Remove the Extended Consumer alert in my Credit File XXXX XXXX Sent me a Attached Picture of a Extended Consumer alert Please Remove ============== 50 times I sent the 3 Credit Burow pictures of 3 Forms of my ID and the Credit Burow almost never respond other then They Cant verify me or Send ID agin ======= XXXX RESPONDED DESCRIPTION OF NON-MONETARY RELIEF According to our records, your XXXX  credit report does not display a fraud alert. 

=== XXXX did not Respond about the Extended Consumer alert XXXX  Please Resond about removing the Consumer alert ======= XXXX should Remove the Extended Consumer alert in my Credit File XXXX XXXX  CEO Banks XXXX XXXX and XXXX XXXX XXXX robed me {$100000.00} dollers then 40 Bank lawyers say its Imposabale two Comprhend the Bank rob people the bank cant comprhend Robing People 6 years Im a XXXX  living in Forign Countries its Verry Hard two find a Printer two mail the Credit Burrow a letter two Please Remove the Remove the Extended Consumer alert in my Credit File American Banks rob all my Money making me a XXXX  then American Banks block 90 % of my banking dose not Work The Banks Block all my XXXX  Purchase I applied fore 100 new Bank acounts all denied but one Bank that Nothing works CFPB says two call them and The only way two call and American BANK 1800 number Requires a CELL Phone with International long Distance cost {$5000.00} dollers a YEAR
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX, MI XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX MD XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$510.00} ; XXXXXXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$3100.00} ; XXXX XXXXXXXX Balance : {$480.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$500.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$720.00} ; ( Original XXXX XXXX XXXXXXXX  ) XXXX Balance : {$1000.00} ; XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I tried to contact Equifax, XXXX and XXXX. I noticed I have a lot of Hard inquire who DO NOT HAVE written or verbal permission I demanded they remove it and I 've tried three times all they keep forcing me to do is contact the companies and then the companies require I call the credit bureaus. I need them to REMOVE ALL HARD inquires I also spoke to someone they said they 'll remove it all for me but they failed to do this
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX XXXX  XXXX Balanced {$420000.00} XXXX XXXX XXXXXXXX Balanced {$0.00} XXXX XXXX XXXX Balanced {$0.00} XXXX XXXX Balanced {$16000.00} XXXX XXXX Balanced {$14000.00} XXXX XXXX XXXXXXXX Balanced {$0.00} XXXX XXXX XXXX XXXXXXXX Balanced {$450.00}
Product: Student loan

I have been trying to contact my private lender since I have been in basic training, about getting my interest rate lowered to 6 % apart of the scra. I have had no luck with them to which they tell me they do not do that. The school is Lincoln tech in XXXX Tennessee
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally dispute the accuracy of the charge-off entries on my credit reports associated with my XXXX XXXX XXXX XXXX accounts , specifically Account Number XXXX and Account Number XXXX. I request that you investigate these entries in accordance with the Fair Credit Reporting Act ( FCRA ) to ensure their accuracy and compliance with federal law. 

The FCRA, a federal statute that governs the reporting of credit information by consumer reporting agencies and furnishers of information, outlines several key provisions that are relevant to this dispute : 1. **Accuracy of Information ( Section 623 ( a ) ( 1 ) ( A ) ) ** : The FCRA requires furnishers of information, such as XXXX XXXX XXXX XXXX XXXX to provide accurate and complete information to credit reporting agencies. I believe that the charge-off entries on my credit reports may contain inaccuracies.

2. **Duty to Correct and Update Information ( Section 623 ( a ) ( 2 ) ) ** : The FCRA also imposes a duty on furnishers to correct and update inaccurate information promptly. If the charge-off entries are found to be inaccurate, I request that you correct these entries with all credit reporting agencies that have received this information.

3. **Investigation of Disputes ( Section 611 ( a ) ( 1 ) ( A ) ) ** : Upon receiving notice of a dispute from a consumer, the FCRA requires furnishers to conduct a reasonable investigation into the disputed information. I am formally disputing the charge-off entries on my accounts, and I request that you investigate the accuracy of these entries.

4. **Time Limits for Investigations ( Section 611 ( a ) ( 1 ) ( A ) ) ** : The FCRA further stipulates that furnishers must complete their investigations within 30 days of receiving notice of a dispute. I kindly request that you adhere to this time frame when conducting your investigation. 

I expect XXXX XXXX XXXX XXXX to undertake a thorough and diligent investigation into the charge-off entries on Account Number XXXX and Account Number XXXX. Please provide a detailed written response to me within the time frame required by the FCRA, summarizing the results of your investigation and any actions taken to correct any inaccuracies. 

If you are unable to verify the accuracy of these charge-off entries, I request that they be removed from my credit reports as required by the FCRA. 

I look forward to your prompt attention to this matter and the resolution of this dispute within the stipulated time frame. Please be advised that if these matters are not resolved in accordance with the FCRA, I may pursue legal remedies available under federal law. 

Sincerely, XXXX XXXX
Product: Mortgage

I am a veteran XXXX service man ; service number XXXX. I already have a CFPB complaint account number XXXX against Wells Fargo Mortgage. I was not aware until recently that there was leverage on a complaint for service men. I am also XXXX in that I lost my XXXX. Type or written communications is best for me as my XXXX is severely affected. 

Past dealings with Wells Fargo MortgageXXXX persons has been very very difficult because of my XXXX and because of their illegal/immoral practices. These practices in the past have already been reported. Wells Fargo Home XXXX continues to be the servicer of my mortgage in spite of a legal request that they or their assigns not be the servicer on my mortgage because of illegal/immoral practices. 
Wells Fargo Home Mortgage initiated participation in the sub-prime mortgage lending condition which caused the financial crises from XXXX forward to the present and which diminished and eliminated the qualifications my wife and I had in place to secure the mortgage and to amortize it " better than agreed '' as contracted. They participated in the reduction and/or removal of the methods we employed in making a living. Our employment was based upon retail market earnings and largely from spending of the majority of others who were also affected by the financial trauma of the failed mortgage backed sub-prime lending scheme. As others failed so did we outside of our cause of it. Having our income fail and having Wells Fargo Home XXXX and Banking force other expenditures upon us insured a future foreclosure. That foreclosure has not happened even while Wells Fargo Bank and Home XXXX was assuring ourselves and thousands of other we would at their benefit. 
Wells Fargo Bank has attempted to illegally abscond with my money since XXXX and that was the reasons I change banks. My notice to escrow that Wells Fargo Bank/Home Mortgage and my attempt to refinance was to remove ourselves of any influence of them. 
Current legal problems under the subject title of credit card scamming with the U.S. Government adds evidence that Many others and myself are innocent victims. Included is the most recent information that the state of Illinois is moving toward blocking Wells Fargo from doing business there. I do n't foresee that Illinois will be alone in this endeavor. Other banks are also creating real distance from them. Wells Fargo has been sued and has paid fines in the billions of dollars and yet I know of no consumer who has had their Wells Fargo indebtedness released and/or reduced to zero without legal assistance ; another expense.
Product: Debt collection

Porfolio Recovery Associates LLC, is fact in violation of 15 usc 1692b ( 5 ), 15 usc 1692b ( 2 ), 15 usc 1692d ( 1 ), and 15 usc 1681. 
On XX/XX/2021 I received a notice for an alleged debt in the amount of {$550.00} in which I hold no obligation to as I am the original creditor, natural person, lender, executer, consumer in fact, holder in due corse for any and all derivates thereof.

Information was requested from my consumer reports on XX/XX/2021 and XXXX XXXX without my knowledge or consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX by phone to dispute the fraudulent account that was opened under my name before I turned XXXX years old. I sent in my birth certificate and ID to prove my age but the account was never deleted. I was homeless and living from pillar to post when my identity was stolen and compromised. I disputed the charge for over one year with each credit bureau and with the creditor. I want it deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union, XXXX and XXXX  are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.
Product: Mortgage

I have not been able to get Ocwen to modify my ARM mortgage. I have tried a few times over the years. Their last response was that it was modified in 2008 and is ineligible to be modified. Mortgage rates have been so low and because my mortgage is considered " underwater '', I really can not refinance it elsewhere. I just want a LOWER, FIXED RATE! Based on comments I have read on the internet, I am not the only one having issues with Ocwen. Complaints have been written by homeowner around the country. I even read where the XXXX has investigated them for their practices of not helping homeowners by rejecting loan modifications.
Product: Mortgage

I would like to know if I can sue HFC for their violations against me. My spouse passed away three years ago, after he passed away I received a life insurance settlement to pay off XXXX of my mortgage. While waiting, my spouses pension went through and I paid all the back mortgages up to date. At that time I was two months ahead in mortgage. After HFC applied the life insurance I was told I was I was two months behind. I believe HFC owes me two months mortgage. I was paying {$1600.00} a month. I would like for them to pay me the {$3200.00} they owe me. I am attaching a copy from the Department of Financial Institutions findings. I have fought with HFC since my spouse passed away and the only time they respond is if I get consumer affairs involved. I am not asking for what is not mine. Please take a look at my case to see if I can claim my monies back.
Product: Debt collection

Jefferson capital system has been sending me collection notices in the amount of {$4200.00}. The collection has been reported as pasted due balance. I do not know this company. I have never done any business with this company. This company does not have contact with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to inform you that I recently initiated a request with a credit reporting agency to conduct an investigation into my credit report. This request was made due to the presence of certain inaccuracies that I observed within my account. Following my request, your agency proceeded with a verification process to determine the accuracy of the reported information. 

I was subsequently notified by your agency that the results of their investigation concluded that the information contained within my credit report is indeed accurate. However, despite the thoroughness of their research, I have personally identified additional inaccuracies that persist within my credit report. 

In accordance to the fair credit reporting act, accounXXXX XXXX XXXXXXXX account XXXX XXXX XXXX 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 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction with the delayed correction and the need for a second attempt to rectify the late open accounts on my credit report. Despite my initial dispute and submission of supporting documentation, I have observed that the late open account entries are still present, adversely impacting my credit profile. 

I initially disputed these entries and provided detailed documentation supporting my claim that these entries are inaccurate. However, upon reviewing my updated credit report, I was disappointed to find that the corrections have not been made, causing ongoing harm to my credit score and financial standing. 

I have attached copies of my previous dispute letter, the supporting documentation submitted, and the most recent credit report highlighting the unresolved issues. 

I urgently request that you expedite the reevaluation of this matter, conduct a swift and thorough investigation, and promptly correct the late open account entries on my credit report. The prolonged presence of these inaccuracies is causing undue stress and negatively impacting my ability to secure credit and financial opportunities. 

If additional information is required for a comprehensive investigation. I expect a timely and fair resolution to this matter, in accordance with the Fair Credit Reporting Act. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$73000.00} ; XXXX XXXX  XXXX XXXX Balance : {$25000.00}.
Product: Money transfer, virtual currency, or money service

Hi My name is XXXX from XXXX, thank you for providing this complaint facility so that I can be here to tell what I experienced. 
What I experienced might also have happened to other users, it all started on XX/XX/2020 ( ID - XXXX ). That is the funds held by Paypal for 180 days for no apparent reason, during that period the money there can not be added, can not be withdrawn but can be reduced. 
I have sent an email to Paypal through the resolution center but there was no response. I tried to contact via social media accounts, they could not explain what was happening, what was the problem with me and my account. they only said that I violated, but they could not explain what violations I had done. 
I have prepared evidence for that, all transaction data, documents from the government, even I am ready to provide the account username and password related to the investigation. 
I did not find a violation of myself, I did not sell prohibited goods, I did not cheat, I did not fake my identity for verification, I never used VPN to access my Paypal account. yes, i never do that. 
my money there is around 2800 USD ( this money is a lot for me ) but it's so small for Paypal.
Product: Debt collection

Hard inquiry letter XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX To whom this may concern, I am writing to request the removal of unauthorized credit inquiry/inquirieson my Experian credit report. My latest credit report shows ( number of hard inquiries you are disputing ) credit inquiry/inquiriesthat I did not authorized and have been payed off. 
I writing to dispute the following inquiries and asking for their removal from my credit report. 
Please have thisunapproved inquiryremoved from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 
Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

An agency claiming to be conducting debt collection services on behalf of Continental Finance Credit Card has been contacting numerous third parties about a debt they claim I owe. The name they present themselves as is XXXX / XXXX XXXX XXXX. They contacted my employer and asked if I could be served court ordered docs. at work. Theyve spoken to 3 different parties at my job and most recently theyve started reaching out to Family / Relatives. I contacted them directly and asked for the information about the debt they were attempting to collect, I requested to be given time to review my Credit Report in order to confirm whether or not this debt was my responsibility of if it was on my report and I also requested not to be contacted at work. They confirmed my SS # and then proceeded to tell me that I would be served with a court order at work if I did not resolve / pay off the delinquent account. I made numerous attempts to obtain an address but they wouldnt provide me that information. I called back repeatedly since they hung up on me when I continued to ask for an address & for more details about their identity / the company. My request for information was met with threats about being served at work and I was told to pay my bills and then I wouldnt have to worry about the calls. 

Their contact Number is XXXX ( XXXX ) XXXX The Main Lead / Representative ( person that contacted all of the ppl at my job & my relatives / person managing the case ) is XXXX XXXX. She claims to have a direct number, XXXX XXXX XXXX XXXX XXXX. 
These ppl claim to be doing business on behalf of Continental Finance, a credit card company that issues three main types of CCs ( under XXXX, Matrix or XXXX  ). 

At this point, no written information / supporting documentation has been mailed to me even though I inquired about receiving actual written documentation.
Product: Credit reporting or other personal consumer reports

Fraudulent purchases were made on my account, I have tried to get proof so I can know who made these purchases in order to file a police report, this has been going on over XXXX  years and XXXX continues to report negative information on my credit report which is over the XXXX  year limitation to report negative information. instead of helping me resolve this matter, they have chosen to ignore my letters asking for proof of debt