23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I do have a Synchrony XXXX XXXX XXXX with limit of {$10000.00} since XXXX XXXXXXXX XXXX XXXX XXXX, received email from them that my credit card limit of {$10000.00} reduced to {$250.00} and reason is on basis of my XXXX XXXX of XXXX XXXX obtained from XXXX. I attached that letter with this complaint. 
I did call Synchrony XXXX XXXX XXXX at XXXX today XX/XX/XXXX and spoke with XXXX XXXX than her Supervisor XXXX XXXX and then he transfers to XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX 
Its surprised me when first person XXXX XXXX, with whom I spoke with her told me that she going to transfer to Credit Resolution Team Supervisor. When XXXX XXXX come online and when I ask him if he is Supervisor from Credit Resolution Team Supervisor, he said No, he is just Supervisor above XXXX XXXX. He spoke with his manager and say that he will transfer to Credit Resolution Team Supervisor than put me in hold then after few minutes after he back and say he not allowed to transfer to Credit Resolution Team Supervisor but transfer to his Manager XXXX XXXX. XXXX XXXX said that we do not have a Credit Resolution Team Supervisor and I guess she misguided me and also said that I should call XXXX who provide them that credit score and that credit score bring my credit limit down to {$250.00} only from {$10000.00} to {$250.00}. 
Further XXXX XXXX, XXXX told me that she is highest rank officer to reach by the consumer like me to any issue. With Synchrony XXXX XXXX XXXX When I call Synchrony XXXX XXXX XXXX, before XXXX XXXX pick up the phone, its automatic system informed me that all calls are tape. So, credit card company do have all conversation in tape, if they do not provide you, I did tape this phone conversation and glad to provide to CFPB. 
After suggestion from XXXX XXXX, XXXX of Synchrony XXXX XXXX XXXX XXXX Customer Service dept. I did call on her suggestion to call XXXX XXXX as it also provided in their letter. So I did call XXXX today XX/XX/XXXX and spoke from XXXX pm to XXXXXXXX XXXX and spoke with XXXX XXXX at XXXX. She mentioned to me in their records still showing the limit on this particular card is still {$10000.00} and suggested me if its reduced to {$250.00}, I can dispute with XXXX. She further mentioned that XXXX use XXXX credit score and might bank use the average credit score of three credit Bureau not just XXXX XXXX XXXX on XXXX XXXX showing XXXX as per credit card letter XX/XX/XXXX to me. I asked XXXX XXXX do I have right to dispute this with CFPB. So I dispute with both in this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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, the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect, and unverifiable accounts that are keeping to be established as correct. Be sure to generate me a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the account below deleted from my file ASAP : XXXX XXXX XXXX XXXX
Product: Debt collection

In the past, I have complained about Enhanced Recovery making entries on my credit report for a debt that I have no knowledge of. Initially, the company did what they said they would ; remove the entry & have no further contact. However, on XXXX/XXXX/XXXX, I received another credit alert ... A new account with Enhanced Recovery, for {$900.00}. To date, I have yet to receive any form of a debt verification letter, or any attempt to contact me directly regarding this alleged debt. After reviewing my credit history, Enhanced Recovery has attempted to extort money from me, via illegal entries on my credit report, for the following amounts : XXXX/XXXX/XXXX, {$1700.00}. XXXX/XXXX/XXXX, {$280.00}. XXXX/XXXX/XXXX, {$900.00}. XXXX/XXXX/XXXX, {$900.00}. Enhanced Recovery is a company that tries to illegally extort money from people that do not owe money in the XXXX place! This operation would be a fine target for a federal investigation and, a great place for a class action lawsuit! Negative entries on my credit report MUST be removed immediately! When Enhanced Recovery wants to operate within the legal boundaries of their practice, and send a debt verification notice, I might be willing to have some form of dialogue with them. Until then, they need to stop trying to play this ridiculous game with me!
Product: Credit reporting, credit repair services, or other personal consumer reports

HARD Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I have a few concerns on my credit report, that 's not accurate! 
1. My names used are incorrect. ( my wallet was stolen or lost in XX/XX/XXXX & XX/XX/XXXX ) 2. Account terms and status are incorrect ( multiple school accounts with is only XXXX in good standing. ) 3. The creditor for my mortgage will not list my Debt on my credit report which would help my credit score. ( Never was late with payment in 15 years ) 4. Have an judgement on my credit report that been resolved. ( Still showing )
Product: Mortgage

1. I refinanced my XXXX mortgage with Guaranteed Rate. Closing date was XX/XX/XXXX. 
2. Two payment vouchers for the XX/XX/XXXX and XX/XX/XXXX payments were provided at closing. 
3. I mailed the XX/XX/XXXX payment on XX/XX/XXXX with XXXX check XXXX for {$3000.00}. The memo field on this check noted : 'XXXX  XXXX payment '. 
4. With the same mail I sent XXXX check XXXX for {$3000.00} for the principle only. The memo field on this check noted : 'principle only '. 
5. During this time, without my knowledge, Guaranteed Rate sold this mortgage to XXXX ( now XXXX  ). 
6. I learned thru the information that XXXX ( XXXX ) provided to me after the sale that the incorrect balance was transfered to XXXX ( XXXX ) because the {$3000.00} from check XXXX were not applied to the principle but handled as a regular mortgage payment. 
7. I called and spoke to the call center staff at Guaranteed rate on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each time I was assured that the mistake will be corrected and communications with XXXX ( now XXXX ) will take place in order to apply the principle only payment retroactively to XX/XX/XXXX ( the day Guaranteed Rate processed the check ). 
8. Guaranteed Rate : tel : XXXX XXXX. XXXX ( now XXXX ) : tel : XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX  To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN.

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1.Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report. 2.Update my credit profile t
o reflect the correct information as listed above.

3.Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 

XXXX XXXX XXXX XXXX, XXXX XXXX, OR, XXXX XXXX XXXX XXXX, XXXX, OR, XXXX XXXX XXXX XXXX, XXXX, OR, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past 2-3years I have being disputing to charge off account on my credit report. I filed several disputes with transunion and XXXX everytime the dispute results come back verified. Either company investigated my dispute for XXXX XXXX  XXXX  or XXXX XXXX. I did the investigation on my own and acceptance now couldnt provide me a contract to validate the debt plus it was an insurance claim on it. After several calls threaten to sue they removed the inaccurate information that been on my report for XXXX and XXXX wasnt about to provide the full contract to validate the either they sent me some of the pages and the past due amount they been reporting on my credit for past 6 years was incorrect. I spoke to a supervisor with XXXX auto financial and I was told that they credit reporting department has been down since 2020. Im in the process of buying a home so I made a settlement on that account for XXXX but I was during that conversation that my past due amount was XXXX but XXXX had been reported for the past 6 years and these credit reporting companies are allowing inaccurate information to be report on my credit and other consumers credit reports. Something need to be done about these companies ruining people lives for debts that not being reported correctly and them not fully investigating the issues because these lenders that are reporting pay them and the consumer not so they dont really care if the information is correct or not they just want to make money and destroy lives because everything is basic on your credit. Please hold these credit reporting companies accountable for their actions
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I'm challenging a series of errors on credit file according FCRA guidelines 1. Payment history is inaccurate according to number sequence. Review attached documents from Experian to support findings. 2. It states payments were made 48 % onetime, which is incorrect. Payments review by the amount of time determined by number of payments which generate differ from whats on credit report. 3. Update status states XX/XX/2020 which is a National Holiday all agencies are closed. Home was recently sold.
Product: Money transfer, virtual currency, or money service

On XX/XX/2018 I connected with a person who called himself XXXX  ' who I spoke with on a XXXX Ticket Exchange page. I was looking to purchase tickets to a concert at the XXXX XXXX XXXX on XX/XX/2018. After asking XXXX if he still had tickets that he had messaged me about on XX/XX/2018, he agreed to sell me his tickets. After a long deliberation, XXXX promised that he would transfer the tickets to me over the XXXX site, which has worked for me in the past, for {$300.00} over XXXX. Later that night on XX/XX/2018, I transferred {$300.00} to XXXX as promised over XXXX. He urged me to make the transaction a 'Friends and Family ' transaction as these transactions take less time to transfer, he claimed. After I transferred the money to the account he specified, which he claimed was his girlfriend 's XXXX 's account, he said he was going to call XXXX to get the tickets transferred. Over the next 36 hours, XXXX delayed transferring the tickets for a number of reasons detailed in the attached message exchange. He eventually informed me that XXXX informed him they could not transfer the tickets over XXXX accounts as the specified venue did not support that feature, which I knew was not true as I have used the ticket transfer feature for this venue before. I looked at the E-Mail he sent me, which was from another person 's name and E-Mail address, XXXX XXXX. This e-mail had the " tickets '' attached, but the attachment on the E-Mail was a broken attachment and nothing opened. I started to get suspicious and asked that he refund me my money or transfer the tickets via the XXXX account feature. He agreed originally, but after another long deliberation he claimed he could not transfer my money back for a variety of reasons. I threatened to contact XXXX and US Bank to report the transaction as fraud, and he continued to delay refunding me. Eventually, he discontinued contact with me so I contacted XXXX and US Bank. XXXX informed me I could not receive a refund because the transaction was started as a 'Friends and Family ' transaction. I contacted US Bank and submitted a claim, and they too informed me they would not pay out the claim.
Product: Checking or savings account

I disputed a charge on my account that was from a clinic that is running a scam. 
The bank denied my claim without proper research or efforts, because the clinic provided receipts that had " all sales are final ''. 

I filed the charge back claim with the bank for the reason " 53-not as described or defective merchandise ''. 

I gave the bank all that I could with my knowledge of such matters to include : a statement from a witness that showed that I was in pain from the " test injection '' and the drug was not as described nor suitable, print outs of claims and descriptions made about the services I was sold, and an email from the clinic that showed that I had not even received any of the treatments or drugs from them. 

I also provided links to direct them to articles that showed in detail the type of scam these clinics are running. These types of clinics have been prosecuted in other states for doing the exact same thing that was done to me. And there are many articles about it. 

I do not believe the bank is honoring the consumer protections that are common to XXXX debit card holders. I do not believe that they did any research to see that the clinic was indeed fraudulent, deceptive, and that the product was not as advertised. 

They denied my claim because they did not want to make an effort to research the incident. 

Furthermore, I had called several times getting different directions from each person I had talked to. I had made efforts to get documents faxed over to them. They never responded to my faxes and I kept having to call to find out what actions they were taking. 

After hours of time and several phone calls, I finally talked to a manager that kept saying that it did not matter how long I talked he wasn't going to do anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out to Equifax, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Equifax and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} US DEPT ED XXXX XXXX : {XXXX XXXX XXXX XXXX XXXX XXXX : XXXX US DEPT ED XXXX XXXX : {$2400.00} XXXX  XXXX Balance : {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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have been writen to, XXXX, XXXX XXXX TRANSUNION to remove most of my personal information from the repor. 

What is correct to appear : ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( My Personal Residence ) EMPLOYERS 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: Payday loan, title loan, personal loan, or advance loan

I have an issue repaying a loan and I am trying to consolidate my debt and would eventually pay it. On their web portal, there is no way to change the Autopay option and it is constantly overdrawing my account at the bank. They have been calling my son and wife who have no knowledge about my loan. They identify themselves and that they are from Tower Loan and that I should urgent cal them. Just by their identification, my son assumes the nature of the call. I have told them that I am trying to work iy out and cease and desist from call anybody other than me.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update the listed account from my file. 
XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 my Wells Fargo account was hacked into and two ( XXXX ) XXXX transfers were criminally made without my actions or approval. On that day there were numerous spam calls and messages to my computer and devices. During that time I noticed a message saying that a new XXXX payee was added to my Wells Fargo account. I quickly logged into my Wells Fargo account and saw where two ( XXXX ) XXXX transfers had been made to a XXXX XXXX, XXXX for {$1000.00} and one for {$990.00}. I dont know who this person is and did not initiate or authorize these transactions. 

I immediately called the Wells Fargo dispute line and reported the fraud. They took all my information and gave me a case number. I was told they were closing the account that was attacked and were opening up a new account to replace the old one. Remaining money from the old account was transferred to the new one. They told me to create a new username and login with a new password. I was also required to use a remote Secure ID to login. I was never required by Wells Fargo to do this before even for XXXX transfers. The XXXX transfers before were transferred almost instantly. I only had XXXX XXXX payee in my account and that was only to transfer money from my Wells Fargo account to my other bank account. 

I called daily to Wells Fargo XXXX XXXX and they always told me that investigations were still ongoing. On XX/XX/2023 I received a letter dated XX/XX/2023 from Wells Fargo stating that my fraud claim had been denied because they had determined that the transactions had been authorized by me. This is absolutely not the truth and is an insulting and libelous statement. It is obvious that Wells Fargo had serious flaws in their account security systems for letting this happen. Whats worse is they refuse to compensate me for the thefts from my account. 

According to my investigations these XXXX frauds have happened on many Wells Fargo accounts during the last several months. Also, these fraud transactions are covered by the Consumer Financial Protection Bureau, Electronic Fund Transfer Act, XXXX XXXX Wells Fargo is obligated to reimburse me for these fraud thefts and I will pursue all actions to insure this is done.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I first got the car it was with a local car lot, and then they sold my account to US Auto Credit without my consent or knowledge. I started dealing with US Auto Credit and told them that it would cost more to fix the car then to get another one. They agreed and said they would not tow the car or dont want it since it would cost them more money if they towed it. They are still reporting to my credit as late payments for a car I no longer have and they didnt want to pick up. I want this remove from my credit and the late payments to stop being reported it is predatory.
Product: Credit reporting or other personal consumer reports

Im tired of arguing with Experian. Im sure all of these problems would go away if I just paid their ransom for my information. I and hundreds of other people would rather see this reporting company closed down. They continually " have a hack '' ( we all know they are selling our information } and its getting very upsetting. Please close this company down
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony Bank Lowes Visa has managed to report my closed account as the responsible party ( myself ) as being deceased. I spoke with the company as well as filed several disputes pertaining to the matter. Lowes reported on XX/XX/2018 that the account holder was deceased as the account was closed through XXXX XXXX XXXX. ( debt settlement ) My wife passed away on XXXX XXXX. She was a secondary on the account and I was the Primary card holder. XXXX has received proof of life and other documents showing I am still alive. XXXX  states the company who reported the incorrect information has to change the report. I spoke with an employee with Synchrony Bank Lowes Visa and that person stated that there was no information sent to XXXX showing I am deceased. Each time I call XXXX, I get a different person and I have to explain where on the report it show my status as being deceased. This has been ongoing since XX/XX/2018, and disputed and reinvestigated 9 plus times. With the Status of responsible party marked as " Deceased '' I have no credit score and I am unable to get any kind of financial support or loan. I would like my life back and I am not sure where to turn to next to get this corrected.