23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Synchrony Bank issued me an Amazon XXXX credit card several months back. I had a {$3000.00} credit limit to which there were times where I nearly maxed it out. I recently took out a personal loan and paid down close to {$30000.00} in debt as well as paid off my Amazon XXXX card which brought the balance down to {$0.00}. Once I paid it off and used it sparingly with small amount purchases and then pay it off before end of month, Synchrony out of the blue sends me a letter stating that due to multiple risk factors my credit limit has been reduced from {$3000.00} to {$210.00}. 

Lately, if I don't use the credit card, they increase my credit limit, which they did from Lowes moving me from {$1000.00} to {$2000.00} recently. When I used the card frequently they been lowering my credit limit. 

One risk factor identified was high income to debt ( I : D ) ratio which makes sense a few months back. I have since paid off numerous credit cards and by decreasing my credit limit they are putting me right back into the same scenario of higher income to debt ratio. If I have {$1500.00} outstanding and {$3000.00} in credit, then I pay down to {$100.00} remaining balance, so they lower my credit limit to {$210.00}, my I : D ratio is back to 50 % again despite paying over {$1400.00} to bring I : D to 3 % and their credit limit decrease jumps me back up to 50 %. That is not fair when I worked hard to pay it down.
Product: Mortgage

My wife and I have contacted our mortgage loan servicer ( collection agency ) Nationstar Mortgage d/b/a Mr. Cooper by phone on XX/XX/2020. We had spoken with them in XXXX making them aware that all payments to the Chapter XXXX Bankruptcy for me were complete on XX/XX/2020. We were told that as soon as the case was discharged they would get an update in their computer system and the mortgage would be released for full access on the Mr. Cooper website. Currently payments are paid through XXXX at a cost of XXXX per month. We have no way of seeing if our payments are being applied correctly. My wife and I made a final phone call on XX/XX/2020 requesting that they acknowledge my discharge from Chapter XXXX Bankruptcy that occurred on XX/XX/2020. We spoke with XXXX in the bankruptcy department. She said she did not see that the discharge information had come through so she was sending it to research. She said it would take 5-7 days to update the account. The 7 days has passed and the account remains frozen. 
We need government intervention to assist with the process.
Product: Debt collection

Every day the company XXXX has called me at different times. I had informed them to stop calling me because I have XXXX XXXX and XXXX XXXX. I also informed them that I am a customer with XXXX XXXX XXXX. They informed me that they do not care at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX to set up an arrangement for my account. After speaking to multiple people I finally reached the credit department and they agreed to set me up on a payment plan for XXXX a month. I have yet to receive a letter so therefore I called to check the status. I spoke to a young lady that told me that my invoice would reflect XXXX and that is the statement that I would be responsible for. I made the payment of XXXX but they debited my account for XXXX, which the funds for that was not available for. In addition to the unauthorized payment, they place a 30 day late on my credit report. I have never been late paying them in addition, they totally confused me with the debit out of my account. I request to have my payment of XXXX removed and the 30 day late mark removed as well.
Product: Debt collection

My son was very XXXX  and he was flown to a hospital in California for a XXXX XXXX I called XXXX XXXX and asked them to turn off service because no one was in the home for 8months this was never done the bill got to {$220.00} dollars I contested it with XXXX  and got no where. While my son was in the hospital and we were in a different state they sent it to collections. I was told by the collection service ( CCS ) credit collection service that if I paid the bill they would remove it from my credit. I borrowed the money paid the bill it has not been removed. I called them back and asked why it hadnt been removed and when would it be removed. I was told by a different person that ( CCS ) credit collection service would not remove it now that the debt was paid. I could have just left the debt on my credit because it would have damaged my credit if I left it on there or if I paid. When I called XXXX I was told they could not find a record of me calling because the bill was old and the records were not kept ( Ccs ) would call me early in the morning all day while sitting in hospital I was trying to care for son who was slowly XXXX waiting for a XXXX he was in XXXX XXXX, XXXX XXXX, XXXX XXXX, I felt pressure to pay the bill are risk my credit being ruined so I paid it before I receiving a letter conforming that this would be removed now they wont remove it.Not to mention it showed on my credit report that it is cable/cell phone account it is not it just for internet.I am also filing a complaint with the XXXX
Product: Credit reporting or other personal consumer reports

My credit file isn't being shared at all. Not to me or anyone else. when I tried to look up my credit file it returned as blank. I called XXXX in XXXX of XXXX, XXXX requested that I send them a copy of my ID & social security card. I did that, yet the problem wasn't resolved. The second time I contacted them was in XXXX of XXXX they requested me to send them a letter with my ID. I did that and again nothing was resolved. The third time I contacted them I was asked to send them another request, a copy of my ID and social again ( which is a FEDERAL LAW ). The agent then told me that I have an Internal Block on my credit file that I may not be aware of. This is creating havoc in my life. I'm unable to handle the necessary business I need to conduct because of this problem. It violates my rights on so many levels. 

Someone from XXXX office told me they have me on some internal block which they're claiming they can use to block my accounts because they feel they're above the law. When questioned why would they do this without contacting me or telling me. They're claiming they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they didn't tell me and why my other letters weren't enough to remove the internal block because some of the agents may not have known I had one on there because it requires you to go to another screen and could have handled my letter as if I was asking to have a freeze or fraud alert removed ( even though I didn't have one that needed removal ) .So XXXX  feels they're above the letter of the law & will not explain their policy... Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & XXXXection 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at TransUnion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( XXXX ),
Product: Debt collection

My parent ( the primary leaseholder ), my sibling, and myself were tenants at the XXXX XXXX XXXX, also as known as, XXXX Apartments and moved out in XXXX of XXXX. The primary leaseholder was notified of the outstanding balance via email and phone, and disputed it verbally with the apartment complex. However, I was the sole inheritor of the debt as a secondary leaseholder. Regardless of the outcome of the dispute between the primary leaseholder and the apartment complex, I should not have received the collection debt. The collections agency IQ DATA INTERNATIONAL INC opened a {$550.00} collection on XX/XX/XXXX. This debt showed up on my credit report as a derogatory mark on XX/XX/XXXX, and took my credit score down XXXX points. The other tenants, including the primary leaseholder, did not receive the collection debt amount nor the high-impact derogatory mark on their credit reports. This collections debt was sent to the wrong account, and has affected my ability to build my credit back up greatly. Furthermore, this is a stain on my report and will affect my ability to sign leases elsewhere.
Product: Student loan

I recently read about government action taken against Wells Fargo in regards to student loans ( Administrative Proceeding : XXXX-XXXX-XXXX ). I received a student loan from Wells Fargo in 2005. I was wondering what I needed to do to see if I was effected by this action.
Product: Mortgage

XXXX XXXX XXXX  Fraud- illegal foreclosure My husband XXXX XXXX took out a XXXX XXXX XXXX XXXX XX/XX/XXXX for {$300000.00} for our home at XXXX XXXX XXXX XXXX XXXX NV XXXX through XXXX XXXX XXXX . On XX/XX/XXXX, XXXX was hurt in an industrial accident and denied emergency medical attention by his employer despite them knowing his serious established service connected disabilities that they received tax incentives for. This delay in medical attention caused his injury to be prolonged and his workers compensation claim was initially denied. This further complicated his care, leaving him no choice but surgery. Although the surgery helped him, and XXXX struggled to return to his position, his attorney failed to secure any rights and he suffered a XXXX loss in pay. He was not able to continue employment and was forced to resign in XX/XX/XXXX. 

It took quite a while to secure his retirement and his VA claim also took quite a while forcing us into bankruptcy. Foreclosure proceedings started in XX/XX/XXXX and we were offered a modification plan. In XX/XX/XXXX, XXXX and I had a falling out while he was changing medications and we separated. XXXX changed his address out of state. All of the house paperwork went to his new address with my name on it. 

During this time, XXXX changed the address with the post office and I did not approve of this, as he granted me VA Power of Attorney. Our mail started to disappear. We lost several checks, credit and debit cards. 

I filed an Inspector General complain with the USPS Number XXXX. I never signed certified mail for a foreclosure and was never referred to a hud counselor. I thought that we were in a modification agreement. When there was a notice put on my door for foreclosure, I attempted to call Quality Loan XXXX, the Trustee on the loan and XXXX XXXX to inform them I needed to speak to a counselor. XXXX XXXX gave me an option to bring the loan current on XXXX hour in the amount of {$49000.00}. I contacted Quality Loan and let them know I had not spoken with a counselor and was told to call back to speak with the legal department. The legal department said they were not the attorney and asked me to call the attorney several times moments before the sale. I was able to communicate via TTY relay service to Attorney Goulding. He could not remember his Bar number, was not aware of anything in our file and had not reviewed any of the paperwork personally. He is not licensed to practice law in the State of Nevada, where the home is.

There should have been a guarantee on the loan of {$62000.00} by the VA but the home was still foreclosed on by Quality at XXXX, XX/XX/XXXX. 

There is mail theft involved and mortgage fraud. Further details, notes and tty transcripts are available. 

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

I have to accounts reporting from XXXX XXXX XXXX XXXX that I am a authorized user and I never authorized to be on these accounts and Im not a authorized user on these accounts and will like them to be deleted immediately, I uploaded documents of the accounts
Product: Credit reporting or other personal consumer reports

Sent this letter to Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Alleged Original Creditor : XXXX XXXX XXXX Alleged Original Credit Account Number : XXXX XXXXXXXX Account Number : XXXXXXXX Alleged Debt Amount or Balance : {$2600.00} XXXX XXXX XXXX XXXX I was made aware of your attempt to collect an alleged debt less than 30 days ago. Please be advised that I hereby dispute the validity of the above-listed debt in its entirety. 
I request verification/validation of the alleged debt and specifically request a copy of a contract or agreement signed by the alleged original creditor and all parties to any such contract provided. Note : a billing statement, notice, or any unsigned document is not verification of the alleged debt. 
You are on notice that you are unlawfully attempting to collect the above-listed debt. Cease & desist of all collection activity including reporting to consumer reporting agencies ( CRAs ). 
Providing me the specific verification documents above shall not be deemed collection activity. Further, I request that you promptly delete any and all prior consumer reporting made to any CRAs. 
If you comply with my cease collection & deletion request, then you are excused from verification. 
If you opt to provide verification, also provide proof of the chain of title of ownership of the debt. If the alleged debt was acquired by a debt buyer, then proof of chain of title of the alleged debt must be from the alleged original creditor to the current alleged owner without any break in chain.

This letter is evidence that may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to fully investigate this matter and receive any information related thereto. Be advised, if you fail to comply with this letter, I may turn the matter over to a consumer attorney. 

In accordance with the fair Credit reporting act Yes Online XXXX XXXX XXXX XXXX XXXX # XXXX, has violated my rights according to 15 USC 1681s - 2b of the Fair Credit Reporting Act. There are obvious inaccuracies they failed the 5 duties of a furnisher when receiving a dispute which are all violations from each credit reporting agency they are reporting to. I am demanding deletion from my consumer report or else I'm going to pursue litigation.
Product: Checking or savings account

On XX/XX/XXXX I opened a 360 checking account with promotion code : XXXX. This promotion is for a {$300.00} bonus for opening a 360 checking account account with Capital One and making two direct deposits of at least {$250.00} or more within 60 days. I have met all the terms outlined in the promotion, but have not yet received the bonus. I contacted Capital One and they have informed me that I will not be receiving the bonus, with no explanation. Account Opening Date : XX/XX/XXXX {$250.00} Direct Deposit : XX/XX/XXXX {$250.00} Direct Deposit : XX/XX/XXXX The terms of this promotion are outlined clearly and I have met all the requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

For years now Ive been fighting with this company XXXXXXXX XXXX  to dispute fraudulent charges thats on my personal credit report. This business is report and that I owe a company name XXXX XXXX XXXX XXXX which I personally never collected because this account was never opened in my acknowledgement or consent. I believe the account was open sometime in XXXX and Ive been fighting since then to get these fraudulent charges off my credit report. another company is XXXX XXXX theyre stating that I owe them over XXXX, from XXXX. This account as well, its not mines, or was an open to my acknowledgment or to my consent. The previous home that I was in I left my personal wallet in my phone inside of a hidden closet inside of a closet totally forgot about it. The house was remodeled and whoever went inside that cubby space has access to my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per Ftc sec 609 credit agencies are not validating my credit account they are simply verifying my information.
Product: Debt collection

Continued phone calls and now letter from Suburban Credit Corrp. of XXXX, VA, to collect a medical debt THAT I DO NOT OWE.
Product: Debt collection

In XX/XX/2018 I received a call from IC SYTEMS INC when I was told by one of there agents that I owed a collections account in the sum of {$690.00}. The agent went into the details of the account to state that this account belonged to me. I stated that I do not remember anything about this account & it is not mine. I have since received a VERIFICATION from IC SYSTEMS INC that they used to say this account is mine. The only problem is that the SIGNATURE on the VERIFICATION info used IS NOT MINE!!! This IS NOT MY ACCOUNT & the SIGNATURE on there verification IS NOT MINE. This has to be some type of fraud or identity theft. Please at once remove this collections account completely from my credit report. I will be submitting proof of my signature along with the verification used by ics systems. You can clearly see that the signature ics submitted is not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX account XXXX opened on XX/XX/XXXX is still showing on Experian with late payments. I have opened disputes with documents showing that the last payment made on this account was XXXX of XXXX. When disputed, XXXX XXXX XXXX changed the date to XX/XX/XXXX so it has not been removed by the federally mandated removal of late payments after seven years. You can even see in the reporting the last payment was in XXXX. XXXX XXXX XXXX is playing illegal games by changing the information as Delinquency First Reported to XX/XX/XXXX. Remove this account immediately as it is in violation of the FCRA. It fell off my XXXX and XXXX last year at the right time.
Product: Credit card

I have been attempting to dispute a transaction -- which has since been accruing interest -- since XXXX regarding a XXXX online subscription that I initiated and then cancelled. The XXXX says that it is settled from their end, and that the only reason I could still be being charged is due to a failure on part of my card company. They will not respond to my messages ; every time I try to call their line is " busy '' or they are " not open '' ( even from XXXX ). I cut this card up months ago. I do not use it. And I do not want to pay this interest over a {$5.00} charge I never made months ago. I do n't know what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with IdentityIQ on XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there was CHARGE OFF account on my credit report. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud account on my credit report all this time just today I have a charge off that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with this account listed below, so please help me remove this charge off, including this incorrect information from my personal profile. XXXX XXXX XXXX XXXX
Product: Student loan

In XXXX after 12 years of being unemployed due to permanent XXXX I began a loan discharge process with Nelnet. In XX/XX/XXXX I sent email and post office documents declaring that I was still unemployed. Under the generic email return address of XXXX XXXX instead of anything related to Nelnet, they sent me information that looks like spam. That is deceptive. My TPD process was dropped because Nelnet acknowledged and accepted my certification that I have not been employed, but their separate agency that sends generic email didnt receive the paperwork. I talked to the Omsbudsman and another agency that took my complaint but didnt do anything to correct the trickery of Nelnet. Nelnet told me that the XXXX $ loan was back on track affecting my credit AFTER the appeal period ended when it was too late for me to make an appeal. They didnt notify me that they have a separate organization to process XXXX and XXXX XXXX that doesnt share data with their loan repayment center so I had no idea that I was not in compliance. One agency of Nelnet said I was fine with the process and when it was too late to fix it the second Nelnet organization said I was not in compliance. Its deceptive. Having a hidden arm sending spam looking email that isnt clearly marked as being from Nelnet was deceptive. 

Being traded on the XXXX makes Nelnet drive up loan balances with unethical actions to make their profit look good to investors. The government is for the protection of the people but the XXXX is about getting as much money from the people as possible. 

Although its unlikely that I can ever pay the debt, having me on the books with ever increasing debt serves the XXXX well so Nelnet has s conflict of interest when it comes to treating me fairly. What they have done to me is so dishonest and unethical that its clear no other industry could get away with such flagrant disregard for consumer satisfaction and consumer rights. 

Nelnet believes they can conduct business any way they like because our own government defends their rights to rob the people that try to better their lives by getting an education. 

Nelnet informed me that all my documents were received and then Nelnet informed me that my case had been dropped. 

Its a crime.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiply request asking them to remove XXXX XXXX  they have 6 accounts that do n't. Belong to me Please help remove this incorrect information
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX loans was transferred to another company. all were transferred and there should be no late payments the loans were all deferred so there should be no negative impact as showing on my credit report. 

I need from Experian proof from XXXX XXXX XXXX XXXX that this loan was late and how considering the loan was in deferment the whole time of the loan. So there are errors on Experian reporting of this loan