23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

When my husband passed away XX/XX/XXXX he owed Chase over {$5000.00}. I was worried that with the interest I would not be able to pay this amount off. I took a balance transfer from one of my credit cards at a lower interest rate to pay it off for {$5000.00} on XX/XX/XXXX. I found out the next day that I was not responsible for my husband 's debt. I called my credit card company first to stop the transaction since it had not yet posted and they said the transaction was already being processed and that I should call Chase. I called Chase and they agreed that I was not responsible for the debt and said that once the transaction was complete they would return it to my credit card company ( XXXX ). After several days passed and the money was not returned I called Chase, they asked me to submit a death certificate and a letter explaining why I wanted the money returned which I mailed to them. I called a week or so later and they confirmed they received the letter. I also called XXXX since the money was supposed to be returned to them, they opened a case and said they would follow also follow up with Chase. XXXX called back several weeks later, they asked if I had heard from Chase. They said they had not received the money and despite several attempts they had received no response from Chase but there was some sort of time limit and they still had some time. XXXX called again several more weeks later saying that they still had no response from Chase and asked if we could 3 way call them which we did. They told us that my request had been denied. We asked why and the person we talked to said we they could not tell us but I could submit another request.
Product: Checking or savings account

On XX/XX/year> my Experian login was taken over, and an Experian XXXX XXXX account was opened under my name. I called Experian to report the new account as fraud, and to regain access to my login. I was told to fax proof of my identity in order to regain control of the login. On XX/XX/year> I faxed a copy my license, SS card, and cell phone bill to XXXX. I was given this number by email, and verbally on the phone. On XX/XX/year> I sent another fax to the same number. That fax was a written request for a copy of the bank account application, and was accompanied by my identity theft report. I referenced in my letter that I sent proof of my identity previously, and referenced the same esc # XXXX. I was told through email on XX/XX/XXXX that esc tickets can take up to XXXX weeks to resolve once proof of identity is sent. Today ( XX/XX/XXXX ) I called to follow up, and was told my ticket was closed on XX/XX/XXXX, the day after it was opened. I received nothing from Experian regarding, and was told it will now take another XXXX business days ( average XXXX ).
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding an account with XX/XX/XXXX that was opened in XX/XX/XXXX, paid off, and closed in XX/XX/XXXX. Despite the account being closed and paid for seven years, Equifax, XXXX and XXXX continue to inaccurately report differently, showing the account as open, active with some even showing available credit. 

Under the Fair Credit Reporting Act ( FCRA ), outdated information, such as accounts that are obsolete after seven years, must be removed from credit reports. This account is well beyond the allowable reporting period, yet creditors have failed to accurately investigate and correct this issue despite my repeated efforts to dispute the inaccuracies
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX A XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance XXXX {$200.00} ; ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$150.00} XXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX  ) XXXX Balance : {$310.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$2.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$5800.00}.
Product: Credit reporting or other personal consumer reports

I have contacted this credit bureau 4 times this year. The most recent are XX/XX/year>, and XX/XX/year>. I requested that this item be deleted because this account was purchased by a third-party debt collector, XXXX XXXX XXXX XXXX The amount is incorrect, and the account was paid for less than owed by the third-party debt collector. 
My question is how much did the collection company, XXXX XXXX XXXX, pay for this item? I don't know and neither does my credit report reflect such an amount. I am exercising my rights, because this is clearly a violation of the FCRA, section 609 and 611. It is not accurate nor is it complete. Therefore, DELETE THIS IMMEDIAELY.
Product: Prepaid card

Call companys regarding missing money from my account company supervisor took my complaint and closed the card for fraud in the amount $ XXXX XX/XX/XXXX and sent another card to me express and XX/XX/XXXX card was canceled.My card is still canceled on XX/XX/XXXX Social Security Benefits was deposited to my account I can not access my money I need my money I am on fixed income.when I called the put you on hold for one hour called everyday I need my money now this absurd I worked for my benefits. Went SSA no help attitude problems
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing to inform you of the devious practices being conducted at Equifax. The three credit bureaus have collectively damaged my quality of life with inaccurate reporting on my credit report, but Equifax has causing detriment to the livelihood of my family with the current reporting on my credit report. These reportings consist of wrong addresses, duplicate inaccurate accounts and closed accounts being reported as being paid late to name a few. These reportings also have lead to me being denied credit, elevated cost due to higher interest rates and my family 's right to life, liberty and the pursuit of happiness being diminished. The business conducted with Equifax is deplorable as they have also reported these things without my knowledge or permission denying my rights to privacy and the fair debt collection act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputed to Experian for inaccurate information reporting on my credit report. I listed the account and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of the letter sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased XXXX  earbuds online using my apple card. It was the first time for me to use an apple card. On XX/XX/XXXX I returned the earbuds for a full refund. I did not realize that the original purchase on XX/XX/XXXX resulted in a {$5.00} cash reward. I incorrectly assumed that since I returned the item so quickly, the reward would be removed from my account. That {$5.00} turned into an amount due on my card. I never received a statement from XXXX  so I had no idea this was a balance due. On XX/XX/XXXX I noticed my credit score went from XXXX to XXXX. When I researched the reduction and realized it was from the {$5.00} charge on my apple card. I immediately paid it, not even knowing what the {$5.00} charge was for. At that point I did not care, I wanted my account up to date. On XX/XX/XXXX AFTER I paid the balance, XXXX  hit my credit score again. My credit score is now XXXX. I filed a dispute with all 3 credit agencies and XXXX XXXX admitted they should have just removed the cash reward balance from my account since I had not spent the reward yet. XXXX  also admitted they were wrong to hit my credit again on XX/XX/XXXX after I had paid the bill but yet all XXXX credit agencies are saying my credit score is correct and they have closed my dispute. 

A person with a credit score of XXXX does not ignore {$5.00}. I had no idea this was even on my apple card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX XXXX XXXX with old balance of XXXX and last balance ending with XXXX dollars with a date of XX/XX/2006 should no longer appear on credit reports as it is past the statute of limitations. It still appears on XXXX, XXXX, and Experian, even after attempts of removal with credit repair company on my behalf.
Product: Debt collection

Credence Resource Management out of XXXX Texas call my husbands phone number looking for me. His Robo killer kicked in. I looked up the company they appeared to be legitimate. I called them back and received a live human being. I asked her what this was about and she said she did not know because my phone number was not in their system and therefore I probably did not have a debt. I asked her if Im not in your system why did you call me. She could not answer the question because she said she wasnt the person who originally called. she did say it had something to do with XXXX XXXX XXXX and XXXX. I was told that I was on a recorded line at which point I told her that this is a do not call number and she wants to forward my response to the higher-ups or to the appropriate department. Here is what I said to her, I am reporting you to the do not call list. I have reported them to the XXXX XXXX XXXX as well. 

When I got off the phone with her I pulled my credit reports to find that credence resource management did a soft inquiry on my experience report on XX/XX/2021.
Product: Checking or savings account

On XX/XX/2022 a company called XXXX was paid from my account at XXXX. 
After contacting them ( moneylion ) i submitted a fraud claim as I had never heard of, visited them, browsed them, much less bought something. 
At this same time I was getting similar transactions thru all my accounts. Most were blocked but the charges that got paid were ALL returned to me since someone had gotten access to all my accounts. 
The moneylion one really bothered me because it was a brand new account and only XXXX person besides me knew it even existed. 

But all fraudlent transactions at this time were refunded back to me except for moneylion. 
On the phone when submitting the fraud claim the person on the phone said that i must claim that the card was not in my possession to get my money back. Odd that the customer service person was telling me to lie about it. I did not lie about it. 

This person or what ever had all my information and if used a card they must have had to make XXXX. Does not seem like a hard thing to do, it's probably done all the time. 

Even so just google the company. Does it exist? No. how could I buy something from a nonexistent company. Even today XXXX returns XXXX hits. Just XXXX. Neither are a store. 

I joined moneylion so my friend could get the {$50.00} referal, which by the way has never happened. As soon as this happened I stopped using moneylion. Account was left open so that someday they could give me my money back.
Product: Debt collection

SENTRY RECOVERY AND COLLECTION is trying to collect a debt I do not owe from a company that no longer exists. I have called them three times asking for debt verification to be sent to me and each time they reinitiated my request so they could claim they had the full 30 days to complete my request. They could not provide the original creditor contact information. I know they do not have it. It has been three months since asking them to verify a debt I know I do not owe. The agents are also verbally abusive and joke about my credit report and housing search.
Product: Credit card or prepaid card

Checked my credit report on XX/XX/2019 and Synchrony bank decreased my credit limit from {$2500.00} to {$1500.00} making my utilization 90 %. I owe {$1400.00} on the card currently.

I never missed a payment and always on time. This is negatively affecting my credit score.

I called them and asked them if they could raise it back to the original {$2500.00} limit, but they declined my request.

I am working towards buying a house so this will hurt me big time.
Product: Debt collection

My mortgage loan got sold and the servicing moved to a different servicer ( XXXX/Lakeview Loan Servicing ) on or around the first week of XX/XX/2020. During the process and before this was communicated to me I made a payment ( {$3300.00} due + {$720.00} of extra payment ) to the previous servicer that is yet to be transferred to the new servicer. 

Since XX/XX/2020 and up to today ( XXXX XXXX ) I have been receiving daily harassing calls requesting payment of the allegedly missed amount, even if I called them multiple times explaining the situation. After receiving a call yesterday the XXXX telling me that the issue will be solved and making my due + principal payment for the month of XXXX ( {$3300.00} due + {$720.00} extra principal ), I have received a letter today ( XX/XX/XXXX ) notifying me that they will be reporting that I am late to the credit agencies. All this on violation of the 60 days moratory for this actions during a servicing transfer. 

To make matters worse, the agents at Lakeview told me that they could not do anything to stop the harassment unless a payment was made over the phone and even suggested illegal approaches as returning the payment I made to the previous services and make an additional payment to them instead.
Product: Credit reporting or other personal consumer reports

The following trabsaction were not done by me, there credit inquiries and would like them removed XXXX XXXX XXXX XXXX Reported XX/XX/year> XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX Reported XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX Reported XX/XX/year> XXXX XXXX XXXX XXXX XXXX Reported XX/XX/year> XXXX XXXX XXXX  Reported XX/XX/year> XXXX XXXX XXXX XXXX  Reported XX/XX/year> XXXX XXXX XXXX XXXX Reported XX/XX/year> XXXX
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. 

List of Unauthorized Inquiries : XXXX XXXX - XXXX 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 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 XXXX 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 or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX {$2300.00} XX/XX/year> 15 U.S.C , 1681section 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. 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 XXXX years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Pursuant public law Best Buy Citi Bank failed to provide a 45 days notice regarding the decrease credit limit and hasn't disclosure the minimum payment payoff pursuant to the Card Act. See 15 USC 1602 ( k ) ; 15 USC 1602 ( j ) ; and 15 USC 1602 ( b ) TITLE ICONSUMER PROTECTION SEC. 101. PROTECTION OF CREDIT CARDHOLDERS. 
( a ) ADVANCE NOTICE OF RATE INCREASE AND OTHER CHANGES REQUIRED. 
( 1 ) AMENDMENT TO TILA.Section 127 of the Truth in Lending Act ( 15 U.S.C. 1637 ) is amended by adding at the end the following : ( i ) ADVANCE NOTICE OF RATE INCREASE AND OTHER CHANGES REQUIRED. 
( 1 ) ADVANCE NOTICE OF INCREASE IN INTEREST RATE REQUIRED.In the case of any credit card account under an open end consumer credit plan, a creditor shall provide a writ- ten notice of an increase in an annual percentage rate ( except in the case of an increase described in paragraph ( 1 ), ( 2 ), or ( 3 ) of section 171 ( b ) ) not later than 45 days prior to the effective date of the increase.

( 2 ) ADVANCE NOTICE OF OTHER SIGNIFICANT CHANGES REQUIRED.In the case of any credit card account under an open end consumer credit plan, a creditor shall provide a writ- ten notice of any significant change, as determined by rule of the Board, in the terms ( including an increase in any fee or finance charge, other than as provided in paragraph ( 1 ) ) of the cardholder agreement between the creditor and the obligor, not later than 45 days prior to the effective date of the change. 
( 3 ) NOTICE OF RIGHT TO CANCEL.Each notice required by paragraph ( 1 ) or ( 2 ) shall be made in a clear and conspicuous manner, and shall contain a brief statement of the right of the obligor to cancel the account pursuant to rules established by the Board before the effective date of the subject rate increase or other change. 
( 4 ) RULE OF CONSTRUCTION.Closure or cancellation of an account by the obligor shall not constitute a default under an existing cardholder agreement, and shall not trigger an obligation to immediately repay the obligation in full or through a method that is less beneficial to the obligor than one of the methods described in section 171 ( c ) ( 2 ), or the imposition of any other penalty or fee.. 
( 2 ) EFFECTIVE DATE.Notwithstanding section 3, section 127 ( i ) of the Truth in Lending Act, as added by this subsection, shall become effective 90 days after the date of enactment of this Act. 
( b ) RETROACTIVE INCREASE AND UNIVERSAL DEFAULT PROHIB- ITED.Chapter 4 of the Truth in Lending Act ( 15 U.S.C. 1666 et seq. ) is amended ( 1 ) by redesignating section 171 as section 173 ; and ( 2 ) by inserting after section 170 the following :
Product: Credit reporting

Please be advised that I see no other recourse but to file a complaint against XXXX. This creditor is famous for using a process called re-aging of debt. The card posted was first issued XX/XX/XXXX. I was late with payments at least three times between the card inception and the beginning date on credit reporting on all XXXX credit bureaus, which is XX/XX/XXXX. This debt can no longer be collected within legal guidelines for the state of New York. The account was late for a first time over seven years ago, and therefore the seven-year timeline has passed. Out of the XXXX credit bureaus posted in this complaint, Equifax states a XX/XX/XXXX deletion of the account, XXXX states an XX/XX/XXXX deletion date and XXXX states a XX/XX/XXXX deletion date. In essence, XXXX purposely cut off two years of my payment history to extend the timeline of maintaining the account on all credit bureaus. This practice of re-aging of credit trade lines has been approached by the Federal Trade Commission as an abusive collection practice, and also a violation of my rights under the Fair Credit Reporting Act and The Fair Debt Collection Practices Act. I demand a full accounting of this account to be reviewed by the Consumer Financial Protection Bureau, showing all payment history, when all payments were posted to the account on credit, and the credit reporting history since the card approval XX/XX/XXXX. I am well within my right on such a request. XX/XX/XXXX has no other recourse but to remove this account from all credit bureaus immediately and permanently.
Product: Debt collection

On XX/XX/year>, a balance for XXXX  was opened in the amount of {$1500.00} according to the Fair Debt Collection Act and articles 15 USC 1681 ( b ) I never gave authorization or approval from this company to report anything on my consumer report. 15 USC 1692 ( g ) Me being the only original creditor, I am the only XXXX that can validate a debt and I have asked for all of the document 's multiple times. Your bureau is unable to provide any documentation and I will continue pointing out violations. According to 15 USC 1692 ( k ) Except as otherwise provided by this section, any debt collector who fails to comply with any provisions of this subchapter with respect to any person is liable to such person in an amount equal to the sum ot-in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} I want this removed off of my consumer report as I was unaware of the fraudulent activity taken place at the time, however now that I knowledgeable that I am the only original creditor and you guys have been credited. This is violating my privacy and I demand this be taken immediately according to 15 USC 1681 ( a ) lt is my right to privacy and act accordingly to my rights.
Product: Debt collection

I attempted to contact TransUnion about an alleged debt that was reported on my credit report, unfortunately, i have had no success. the company " online information services '' that reported the alleged debt is not licensed with Florida office of financial regulations to collect debt in the state of Florida on behalf of any company. which is a violation.
Product: Payday loan, title loan, or personal loan

Question loan amount Never sent information who took over account Was a 10 year account looked at last statement now a XX/XX/XXXX maturity date. 
I have asked for original loan documents not received yet since XX/XX/XXXX Question why current balance keep changing There was also a conflict with payments sent to another account not mine and my account had to be adjusted And now as if XX/XX/XXXX Being told no payments are due Seems prolonging this bill # XXXX On statement XX/XX/XXXX_XX/XX/XXXX No payment due