23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

A few months prior, I had major XXXX to remove XXXX from a XXXX. During this time, I missed XXXX payment on XXXX of my Synchrony Bank issued credit cards. When i became stable enough to rectify the concern, I called the bank on the accounts and spoke with the customer service representatives to address late payments, reporting and render payment. My issue with this bank in particular is this ; since that time synchrony has systematically lowered credit limits on every account that i have with this bank. This is done as a tactic to harm the consumer, it is done in manner where the new limit is a couple dollars above the credit balance which in turn effects utilization ratios to appear that the card has been maxed out. When the utilization is within a few dollars of the limit, the action affects the individuals credit score dropping it drastically. If a consumer is unfortunate enough to have multiple cards with this particular lender, they are ALL decreased to dollars above any balance whether or not you have had unforeseen circumstances that result in a late payment on them or not. This action was taken on my cards with this provider that had no late payment during the XXXX time frame as well as the XXXX I mentioned earlier. When i called Synchrony today, i was given non useful information on appealing or disputing a credit report listing. It was not applicable with this credit line as it was XXXX that was not impacted with a late payment. The representative then advised me that Synchrony does regular credit report checks on card holders, etc. I know that not to be the case however until the recent events that affected my payments came to light. I am very aware that businesses have to protect their bottom lines, it just seems that everything done is at the worst possible outcome for the consumer. They are very willing to open multiple accounts and charge higher interest rates for their store branded issues because it is in their interest of profit. When they took over my GE accounts, they even just dropped the card security feature without my knowledge. When I called a few weeks back the representative confirmed it dropped off when account changed over. Never any help with how it could be rectified, just an apology and a credit for a late charge. They even offered to remove late payment report, I have yet to confirm it however. Despite all that has happened with the late payment and reporting, the worst and most harmful has been this banks systematic approach to decreasing my score by maxing out every trade line i have with them. None of my other creditors have done what this bank has done to me. This is not a type of company i nor any other consumer should want to do business with.
Product: Credit card

On XX/XX/XXXX, XXXX fraudulent transactions all made by XXXX  appeared on my Bank of America credit card ending in XXXX : XXXX {$1100.00}, XXXX {$330.00}, and XXXX {$430.00}. I immediately filed a fraud claim with the bank ( claim XXXX XXXXXXXX ). On XX/XX/XXXX, temporary credits were issued. On XX/XX/XXXX, XXXX of the charges, {$330.00}, came back onto my account. I did not notice the charge until XX/XX/XXXX, since the bank did not notify me in any way. I called the bank immediately and spoke with a Rep. named XXXX from XXXX. She explained to me that because the merchant had my correct email address, my name, and that the transaction IP address was XXXX XXXX  away from my home address, this was enough for the bank to reject my fraud claim. 

The other XXXX fraudulent transactions made on the same day by the same merchant were deemed valid, only the {$330.00} was rejected by Bank of America simply because the merchant provided the bank with my name, email, home address, and an IP address that could be XXXX XXXX  away from my house. 

Rep. XXXX informed me that she would open the case and investigate further, but when I went back to check on the claim status on the mobile app, it showed that on XX/XX/XXXX, the same day I spoke with XXXX, Bank of America have completed the research and credited my account ( see photo evidence ). I have not seen {$330.00} credited back onto my account at all. Furthermore, there was nowhere on my end showing that Bank of America has reopened the claim, which made me wonder if any of the information Rep. XXXX told me over the phone was even trustworthy.
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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries 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 seven 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

My account with Equifax was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Equifax Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Checking or savings account

On XXXX XXXX 2021, there was a withdrawal from our account at a branch for XXXX XXXX This was not my wife or I, so obviously we were very concerned. I submitted a fraud complaint to the bank, Capital one, the day I found out, which I think was around the XXXX of XXXX. 

New accounts were set up, and we were told to wait for a refund after and investigation. 

Last Wednesday, XX/XX/XXXX, I called to check on the status, and gave additional information. 

Since then I haven't been contacted by capital one.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit card

On XX/XX/XXXX my CareCredit spending limit was cut from {$740.00} to {$270.00}, this after having on time payments that equal to {$300.00} in just the past 2 months, significantly reducing the debt i owed them. I asked a reason why my credit limits were significantly lowered after I had paid down my balance significantly in the past two months, therefore upping my credit card utilization and damaging my credit which I have been working so hard to improve. I believe they did this with my Sam 's Club Synchrony card as well when I had paid more than usual on it as well. This is quite obviously an unfair practice to keep people 's credit card utilization high, therefore damaging a person 's credit score in order to keep them from getting more reputable cards with lower APRs on them and forcing them to have to stick with their cards. Paying down your cards should improve your credit score, and they make sure it does the opposite. This is not the first time this has happened with them, so shame on me. When I had an Ashley 's homestore card with them and finally got down to a XXXX balance, after a while they closed my account negatively impacting my score, like they were punishing me foe not having to pay them any interest. I don't care what it says in the fine print, there's no way this can or should be legal. They are taking advantage of people already with their ridiculous APRs, and then punish them for paying down their debts because, God forbid they collect less interest then!
Product: Credit reporting or other personal consumer reports

CFPB 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 seven 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

GLOBAL LENDING SERVICES- The vehicle was stolen and set on fire. It was not no repossessed.
Product: Credit reporting, credit repair services, 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. 
DPT ED / XXXX # XXXX DPT ED / XXXX # XXXX DPT ED / XXXX # XXXX XXXX / XXXX # XXXX XXXX XXXX # XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX XXXX XXXX XXXX XXXX mi XXXX Inquiries XXXX Experian XXXX XXXX XXXX XXXX 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 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 seven 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 card or prepaid card

case XXXX CFPB # XXXX ACCT. ENDING IN XXXX I really don't understand why Capital One can't answer this simple question they have closed both of my accounts just out of the blue one day I have asked over and over again I even called in the woman on the phone says that it look like I had a dispute that I didn't tell the truth on I asked her which dispute she was talking about she didn't know and I've asked Capital One over and over again to please tell me why they've closed my account they keep telling me that they reviewed my activity but they haven't been able to tell me why specifically why you close my account what I did wrong they just keep telling me that they've made their decision and they're not going to reverse it okay that's not what I'm asking you to do keep your credit card I don't care i have a wallet full of them but I'm not going to go away until you tell me what it is you think I've done wrong
Product: Debt collection

My debt went to collections after confirming with XXXX that they payment arrangement has been made. Been making faithful payments every single month with no lapse. Credit Management LLC can not give me a clear answer why this was reported to the credit bureau after making faithful payment. This was the agreement we had since XXXX and 2 days after taking {$100.00} on XX/XX/20 they submit to the credit bureau for non-payment. This is not reasonable to me as to why this happened. I don't have anything negative in my credit account, now I can not purchase a home with this issues over my head.
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? 
Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I purchased tickets on a flight to XXXX XXXX with XXXX XXXX through my Chase Rewards portal in XX/XX/2022. I received a message in XXXX that my flight was changed, but I spoke with Chase and confirmed these changes. 

On XX/XX/XXXX, I received another notification that my flight had been changed and I needed to get in contact with Chase. When I called Chase informed me XXXX XXXX  switched me return flight from a direct to a connecting flight through XXXX. Meanwhile there are TWO direct flights operated by XXXX XXXX to a XXXX XXXX. Chase was able to change me back to a direct flight. 

However, the attendant I double checked and informed me that Chase had not actually secured me a spot on the return flight and that I would have to select another flight. This is absolutely unacceptable. I paid for a reserved a seat through Chase on a plane that is still operating and somehow I no longer had a seat. When I asked how this could happen she informed me that it was a result of XXXX. However I do not understand how XXXX could remove me from a seat that had been accurately paid for by me through Chase without further notice. It was only after asking Chase why they are unable to protect their client 's seats or make arrangements that do not include cancelling the entire trip and having to rebook 2 weeks before the event at a higher rate that she put me on hold for 30 minutes and returned to inform me that my seat was resecured. 

Not only was this a waste of and hour of my day cause intense frustration and concern, but leaves me with no confidence in Chase 's services for which I am paying. As I stated, the representative could provide no explanation as to how Chase " lost '' my seat. I am also concerned that I was only able to regain my seat after considerable discuss about my frustration with this situation.
Product: Credit reporting or other personal consumer reports

When reviewing my credit report this morning, I was alarmed to find an unauthorized inquiry that I can not explain. I always check my report regularly, and seeing this unexpected entry was frustrating. I even tried refreshing my browser, thinking it might be a system error, but the issue persisted. I need this matter resolved immediately by thoroughly reviewing the documents I've submitted to ensure this does not happen again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 to remove : ( ), which is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove this account or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # XXXX ; XXXX ; XXXX & I am including it again. 
XXXX XXXX XXXXXXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Amount of the debt. 15 U.S.C. 1692g ( a ) ( 1 ) ; Name of the creditor owed. 15 U.S.C. 1692g ( a ) ( 2 ) ; Right to dispute validity within 30 days. 15 U.S.C. 1692g ( a ) ( 3 ) ; 15 U.S.C. 1692g ( a ) ( 4 ) ; and 15 U.S.C. 1692g ( a ) ( 5 ). 15 U.S.C. 1681i ( a ). 15 U.S.C.16815-2 ( b ) ( 1 ). 
XXXX {$47.00} ( Equifax XXXX XXXX XXXX XXXX XXXX {$780.00} ( XXXX, Equifax ) XXXX XXXX {$2800.00} ( Equifax ) XXXX XXXX {$560.00} ( XXXX, Equifax, XXXX XXXX XXXX {$680.00}, {$740.00} XXXX XXXX, XXXX, Equifax XXXX XXXX {$770000.00} XXXX XXXX XXXX XXXX, Equifax XXXX fed {$4200.00} ( XXXX, XXXX XXXX EQUIfax XXXX {$4200.00}, {$730.00} XXXX trans XXXX XXXX, XXXX XXXX XXXX {$3400.00} XXXX XXXX XXXX, equ ADDRESS REPORT INCORRECT : XXXX XXXX XXXX XXXX pa CORRECT ADDRESS XXXX XXXX XXXX XXXX pa XXXX Hard inquiries removed ( XXXX XXXX, equ ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiry XXXX XXXX
Product: Credit reporting or other personal consumer reports

MY CURRENT NAME AND ADDRESS AS OF XX/XX/year> IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Debt collection

GUGLIEMO & ASSOCIATES has sued me on behalf of XXXXXXXX XXXX  for the amount of {$1100.00}. The information in the court documents is INACCURATE, and has not been VERIFIED. I have received no correspondence to allow me to dispute or request verification of this debt, other than the court summons that I am being sued. My rights have been violated, along with violating the FCRA. 
I called and requested them to dispute the account for inaccuracies, and they are refusing to submit the dispute because I will not provide them my updated address. I am not going to provide my updated address so it can be used against me to " verify '' this debt.
Product: Credit reporting

Ther are XXXX debts and almost all of them I do n't recognize. I need them off my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a new credit card as suggested by XXXX XXXX to improve my credit score on XXXX, in which two of the three credit bureaus did increase my score by at least 17 points after receiving a new cc, except Experian which is a paid service. This is an automatic score upgrade if any credit bureau know you have an extra cc which has not been used as of yet. No problem with existing card ( s ), all are within good status, I have not seen my Experian credit score change in almost two months. I request that I need an update from Experian every two weeks. Since it is a paid service ( they debit my checking account on a monthly basis ). I am not understanding how Experian is number one out of the big three credit bureaus and not report/update my score since it is a paid service. My credit score is still XXXX as I type this. It should be at least XXXX or higher with a new added credit card. I need them to update this on every two weeks for now on since I am paying for their services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I constantly check my credit report and noticed that there are false and misleading information on this account that didn't meet credit reporting standards of being 100 % correct. This has damaged me and held me back for some time. Im demanding Cfpb to enforce correction of these items with late payments removed. 

XXXX XXXX XXXX XXXX - XXXX
Product: Debt collection

Portfolio Recovery is the companyI do not even know what this bill is about, I called them and asked them to send me something, and even tried to settle a debt that I am not even sure is mine, but theyrefused. Not They call me all day non stop at least 10 plus times a day!, to the point where they are interfering with my job. 
XXXX
Product: Debt collection

I recently made contact with XXXX XXXX and advised them that was not me. And the supervisor over there was completed rude as well as the customer service department. They want me to send them information about me which they should have if they are stating I was seen at XXXX XXXX for treatment. I have advised them I have Medicaid for years so if I was there or at any facility my bills would've been paid by Medicaid. They can not show many any valid proof that I was seen at those facility. The last representative couldn't even find me in their system by name. I have to provide my social ( which felt very uncomfortable doing that ). The accounts # XXXX & XXXX. This is a collection agency that buys bad debt and try to collect on things that are not valid. This company has some fraudulent activity going on.