23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am writing to dispute a decrease in my credit limit, which I believe was inaccurately implemented due to a letter sent out regrading the mistake as a result of a company merger from BB & T. This matter has come to my attention through a notification from your company, and I would like to clarify the circumstances surrounding this decision. 

I have been a loyal customer of your company for several years, and I have always maintained a good standing with my credit account. However, I recently received a notification that my credit limit has been decreased, which has had a negative impact on my credit utilization ratio and overall credit score. 

Upon further investigation, I discovered that the decrease in my credit limit was a result of a letter sent out mistakenly due to a company merger. This information was inaccurate and has unfairly affected my credit standing without any valid reason or basis. As a consumer, I have the right to accurate and transparent information regarding changes to my credit account, and I believe that this decrease was not justified. 

I kindly request that you review the circumstances surrounding the inaccurate decrease in my credit limit and take the necessary steps to restore my original credit limit to the XXXX limit. I understand that company mergers can result in operational changes, but it is essential that these changes do not unfairly impact loyal customers like myself. 

I expect a written response outlining the actions you will take to address this dispute and restore my credit limit back to its original status within 30 days. Failure to do so may result in further escalation of this matter to the appropriate regulatory authorities. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and the restoration of my credit limit. 

Sincerely, XXXX XXXX
Product: Mortgage

I was recently denied a loan modification by my loan servicer Select Portfolio Servicing.I feel there is no good reason for this loan to not be modified or restructured. I have been battling this servicer for years and all they have offered in the past is a loan modification with a huge balloon payment at the end of it that they know I can't afford. I am disputing this denial of a modification and am asking that the loan be restructured. Given an entire new loan number and restructured. Every time Select Portfolio Srvicing has contacted me the first thing they say is how much they care and how much they want to help me retain my home. If this is true they will review and approve my loan to be restructured. This loan can be easily put back on track but they are more interested in foreclosing.The principle amount can be reviewed and lowered, the interest rate can be reviewed and lowered. Mortgage companies have been doing this to help homeowners ever since the housing crisis. I don't see why this company can not. Again I am disputing my denial of a loan mod/restructure and am demanding that my loan be reviewed for a retructuring.I have had trouble paying in the past but am in a much better place to make this work.Also the foreclosure date is set for XX/XX/2020 and if I am correct the notice has to run in local paper for 31 days prior in Georgia. As of Today XX/XX/XXXX it has not been posted in our local papers legal section. They are foreclosing illegally.
Product: Debt collection

LVNV FUNDING LLC ( XXXX XXXX  ) has claimed a debt that is negatively impacting my credit record. Despite multiple demands for evidence of debt, they have failed to produce any and just keep sending demands for payment. This is clearly an extortion attempt by damaging my credit record and demanding payment to stop doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review. 
Remove the following negative accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

This agency never sent me a notice before placing XXXX erroneous accounts on my credit. Which is illegal. I asked for validation of these accounts and received no response. Yet, they continue to report on my credit.
Product: Money transfer, virtual currency, or money service

To whom it may concern, Im writing to formally express my disturbances regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.The lack of accountability as well as transparency raises concerns about consumer safety. They deleted all of my history on my end. I only have emails
Product: Credit reporting, credit repair services, or other personal consumer reports

Part of my identity was stolen. I never opened the account below. It does not even link with my XXXX XXXX account. It showed up when I received a notice of drop in my credit line from XXXX XXXX. I am in the process of disputing this account. Also, I never received a bill so it was not linked to my home address or email. 


XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SD XXXX Loan Type : CHARGE ACCOUNT Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Revolving Account Date Updated : XX/XX/XXXX Payment Received : {$0.00} >Maximum Delinquency of 120 days in XXXX {$380.00} and in XX/XX/XXXX for $ XXXX Pay Status : >Account 120 Days Past DueDate< Terms : {$170.00} per month ; paid Monthly Date Closed : XX/XX/XXXX
Product: Mortgage

I NEED HELP IN BUYING A POPERTY. AND WITH MY CREDIT NO ONE GIVE ME CREDIT.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX # XXXX, XXXX  XXXX # XXXX, XXXX  XXXX # XXXX, XXXX XXXX  XXXX XXXX and XXXX  XXXX XXXX XXXX XXXX XXXX has 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 a account without my written instructions. 

Also these inquiries are not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXXXXXX, Account # XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Account # XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXXXXXX has 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 a account without my written instructions.
Product: Credit card or prepaid card

I was a victim of gift card fraud. I was scammed {$2000.00}. 3 Gift cards were purchased from XXXX and no employee raised a red flag. 1 was purchased from XXXX. Credit cards need to adapt with new fraud cases. The so called {$0.00} Fraud program from XXXX and Chase leave customers unprotected and with no coverage for lost money. Customers do not benefit from being scammed and have to come up with the money. The system is broken. I reached out and provided police report and case number for the input reportfraud.ftc.gov submission. They did not care. I know I am not the only victim and it is sad that these big credit card corporations fail their customers. I have been a user for many years, I have a credit score of XXXX and have never filed a fraud claim like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had my ID compromised 3 times in the last 15 years. Through data breach and my wallet stolen. Once while working at XXXX in Pennsylvania. All my cash and CC were stolen. I called them all and cancelled info and cards. 
XXXX insists I have a CC through XXXX I do not/never did XXXX had me as having a card- I do not/never did The reporting agencies have me down for something from a place called XXXX no idea. 
XXXX card- I have never had one. 
There are also a tone of credit inquiries on my report that I have not initiated. From California, Arizona, XXXX XXXX and other weird inquiries. 
One of the agencies has my name as XXXX XXXX XXXX Wrong/ It is XXXX XXXX XXXX XXXX 
At one point I was listed as living in Montana AND a P, O, Box in Maryland at the same time. They have me once residing at an address in XXXX that I have never lived at. 
A collection agency keeps reporting me for a XXXX doctor  from over 10 years ago that my insurance paid and my husband paid the difference by check. 
I have contacted the agencies and they send a letter to my home telling me they can not verify me. I dispute over and over again to no avail. I have lived at my current address for over 14 years. There was a loan co signed for my dead Mother who passed 13 years ago still on there.

I have only three active credit cards and they are in good standing. XXXX, XXXX and a XXXX XXXX mastercard. That's it. No mortgage, student loan or anything. 
These errors are killing me. I had hired a '' fix the errors '' company years ago but they were socking me {$89.00} dolloars a month and were only able to make a slight headway after 8 months.
Product: Student loan

I have been in contact with Navient to attempt to get on IBR to repay my student loans, but I 've been given the run-around. I was on a $ XXXX/month payment plan for a year to get the loans out of default, but the payments did not get the loan out of default and no one has been able to tell me who has posession of my loans now. Every department I call tells me to call the other department that I previously called and they keep passing me off. I need help 1 ) obtaining the information regarding who has the loans, 2 ) obtaining information about the amount owed, and 3 ) getting on an Income Based Repayment ( IBR ) plan to pay the loans off. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is attempting to collect an alleged debt without providing any proof of contractual obligation of myself to said debt. XXXX XXXX is reporting to all major credit bureaus. I have requested legal proof of the obligation from the credit bureaus and the furnisher from XXXX XXXX. My requests have been denied by all credit reporting agencies, and have been ignored by XXXX XXXX. The company simply indicated that the alleged debt had been transferred to a collection agency. The credit bureaus have all returned a status of " Verified '' for the account upon my dispute initiations. I dont understand how the account is being verified with XXXX XXXX Transunion XXXX and XXXX, when the company doesn't even respond to my verification and validation requests, the person in which they are attempting to collect the alleged debt from? The company is clearly unable to provide proof or contractual obligation for the alleged debt, yet, XXXX XXXX XXXX is still able to post to my credit report, which is a violation of my consumer rights. I have reached out to XXXX, Transunion, and XXXX to ask for the proof the company is providing as verification and validation of the account. My requests were denied. I was advised by XXXX, Transunion, and XXXX that it is not their obligation to provide me with proof of the account, and I should reach out to the creditor. I have reached out to the creditor, and the creditor has ignored the request.
Product: Debt collection

Constant calls from ARG ( Apex Resolution Group ) XXXX or XXXX to call this number XXXX. These calls are coming to my work, home and family and friends. Said he was XXXX XXXX from ARG. Said to call immediately to avoid interruption of banking verification of employment and verification of assets. He then said he already verified my assets and told me what kind of car I drove. When I called I did not verify my SS # so he hung up on me. Gave me a claim number on the voice mail. I refuse to give my personal information over the phone to anyone. I have not received anything in the mail so I do not know what these people are and why they are harassing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB, This is my fourth dispute over the past couple of months I have file in regards to XXXX, TransUnion and XXXX  violations and none compliance of the Fair Credit Reporting Act. XXXX, TransUnion and XXXX  continue to use stall tactic to not delete the inaccurate information on my XXXX XXXX XXXX account for the month of XXXX. XXXX  continue to request information from me to prove my identity. I have on multiple occasions provided the complete requested information to prove my identity to XXXX  most resent on XX/XX/XXXX. I have provided my drivers license showing my name, home address alone with my XXXX XXXX form showing my name, home address and SSN to XXXX. 

CFPB, XXXX  in my last dispute with this inaccurate account has used stall tactic accusing me of being a credit repair company and now for the second time they are stalling and refusing to delete this information by requesting information for my identity that I have provided multiple times to XXXX, TransUnion and XXXX  through my dispute with CFPB website I have provided the information requested multiple times. I have file other dispute resently with XXXX and have received response at my home address at XXXX XXXX XXXX XXXX XXXX, Massachusetts XXXX. XXXX  knows my identity this is willful stall tactic to not delete this inaccurate information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had two breaches in XXXX and XXXX and my personal contact information was compromised and used to open and make hard inquiries on my credit report. All the inquiries were made fraudulently one day after the next and made all for Telecom/Cable providers out of state. I reside and work in CA. I have called to have them removed and deleted a few have and others return that are factual. The only valid and accurate inquiries are attached to a credit card i have initiated and opened. The following inquiries show only on Equifax and not the other two credit bureaus. I even had a collections that came from the fraud inquiries and those were investigated and deleted but the inquiries are still on my report. 
XXXX XXXX XXXX XXXX, NV made on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, TX made on XX/XX/XXXX and XX/XX/XXXX XXXX ( Two made duplicates ) XXXX XXXX XXXX CO made on XX/XX/XXXX XXXX XXXX CA made on XX/XX/XXXX XXXX XXXX XXXX TN XX/XX/XXXX I have called and written letters to the creditors directly to dispute and provide me proof/ documentation, legal signature that I have authorized these inquiries to be made on my behalf. The list above are all are misc inquiries for services that I have never done business or requested from CA. 

I would like these items removed, I shouldn't be penalized for something I have never done ir inaccuracies to my reporting. The dates and activity of the inquiries above is suspicious on the occurrence when they were initiated one day after the next in the same month and years of the breach. Equifax offered credit monitoring and credit freeze for a year there after but this doesn't fix the damage it has caused or fixed the problem of the individuals personal information getting compromised. 

I look forward to someone helping get a final resolution on getting this fixed. I have also researched on the internet that others got similar breaches around the same period. 

Best, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my profound frustration and dissatisfaction with the persistent presence of fraudulent items on my credit report despite multiple attempts to have them removed. The ongoing failure to address this critical matter has not only damaged my creditworthiness but has also caused significant emotional distress and financial uncertainty. 

I initially identified these fraudulent items on my credit report and promptly initiated the necessary procedures to dispute and remove them. Despite submitting detailed explanations, supporting documentation, and following your established dispute resolution process, these fraudulent entries persist. 

This situation is intolerable, as it undermines the fundamental integrity of my credit report and compromises my ability to engage in essential financial transactions. I have faithfully adhered to the established protocols, yet the fraudulent items continue to tarnish my credit history. 

I insist on an immediate and thorough investigation into this matter, with a focus on rectifying the ongoing presence of fraudulent items on my credit report. Additionally, I demand a comprehensive explanation for the repeated failures to address and rectify this issue. 

I expect this matter to be treated with the utmost urgency, and I anticipate a detailed response within the exact timeframe from the date of this letter. Failure to resolve this matter promptly will leave me with no alternative but to escalate my complaint to regulatory authorities and seek legal remedies to rectify these persistent inaccuracies on my credit report. 

Enclosed with this letter, you will find, once again, the supporting documentation for your reference. I trust that this will be the final occasion on which I am compelled to provide evidence for an issue that should have been resolved expeditiously. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have a charge account with Conn 's Home Plus for an appliance purchase. I have autopay and never missed a payment in 3 years. I am on my last 3 payments and mysteriously there is a " glitch '' and autopay stops working but is still enabled. I get a text my account is past due and to make a payment. I have never had any issue in 3 years and never had to even contact customer service. I see this is possible suspicious behavior and illegal attempt to extract extra fees or interest by forcing account to default near maturity. Please investigate.
Product: Checking or savings account

I responded to an email offer I got from Chase Bank to open a new checking account and receive a {$200.00} bonus if I setup a direct deposit of my paycheck, pension or government benefit. The bonus was to be deposited in the account within 10 days of my setting up the direct deposit. I setup the direct deposit of my pension check from XXXX XXXX XXXX and the first deposit was made on XX/XX/2021. When I had not received the bonus, I called Chase Bank Customer Service on XX/XX/XXXX and asked about it. First I was told I hadnt entered the proper coupon code when I setup the account. I explained to them that I setup the account using the link in the email solicitation that I had received from them and that the coupon code was automatically entered. Then, I was told I hadnt set up the required direct deposit. I told them that I had and was then told a private company pension, such as XXXX XXXX didnt qualify and that it had to be a government pension. I then quoted them the text from the solicitation email that said pension not government pension. I was then told that they were not able to help me and they asked me where I had opened the account. I explained to them that I am currently in XXXX and that I opened the account using my address from a forwarding company in XXXX, Texas that forwards mail to me in XXXX via a currier. Then they said I should make an in person visit to the office in XXXX and maybe they could help me. I think they are just trying to avoid paying the bonus that the offer of the {$200.00} bonus was fraudulent. I will be attaching documentation from Chase Bank that shows the deposit was made and from XXXX ( the company that handles the retirement for XXXX XXXX ) that show that a direct deposit of the retirement check to my Chase account was setup and is in place. I am asking you to direct Chase Bank to live up to the terms of their offer and pay me the {$200.00} bonus
Product: Debt collection

XXXX on my credit report with XXXX XXXX XXXXXXXX and consumer portfolio service they sold the account please send profof that the account is mine or belong to someone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX and I am writing this on my own behalf. After reviewing the credit report/file, I noticed inaccurate, false and fraudulent information being reported. 

Experian, XXXX, and XXXX are all reporting inaccurate information regarding fraudulent accounts. The XXXX and XXXX XXXX account delinquencies are inaccurate across all credit reporting agencies and have discrepancies across their reports. Not only are the delinquencies reporting different values but they are also reporting on a fraudulent account. 

This information is to be removed completely from the credit report. The derogatory marks and the whole account as it is causing me harm and is tarnishing my reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My cousin lived with me for about a year and a half. He opened numerous credit cards in my name. I was in prison when these cards were opened so there is no way I opened them. I sent various letters to XXXX, Discover and XXXX XXXX explaining this. I filed a police report, an FTC identity theft affidavit and still they have refused to removed this information from my credit. If this is not removed I will again sue the credit bureaus and have proof of their negligence. I have attached the letters I sent.
Product: Money transfer, virtual currency, or money service

Friday, XX/XX/2023 was payday, yet JP Morgan Chase did not released my funds to my XXXX  account ; not one email was received regarding this issue - I had to find out via social media. Also, they have no timeframe to when my funds will be officially deposited into my account and that isnt fair. 
I, like millions of people, have bills to pay and they do not operate on a We will let you know basis. My funds still arent available, and the fact that Chase is not providing any type of compensation, due to such negligence on their end, is wrong and unacceptable. 
Im not pleased with this at all and I need the situation to be rectified pronto, as well as compensated for missing out on my money for over XXXX hours.