23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018, I received a letter from XXXX indicating my {$25000.00} credit line was being reduced to {$14000.00}. 

Because I understand the ramifications of that action upon my FICO score relative to the current balance on the account ( {$13000.00} ), it would show that I was Maxed out on utilization of credit : a negative impact to me, whether XXXX states in their letter they have nothing to do with FICO, their actions do! 

In our attempt to pay down our balances, we moved ours to XXXX because it offered a lower interest rate, and for two years have successfully been lowering our debt accumulated with XXXX children. 

I was making some real progress, picking up odd jobs and then boom, my husband, unknown to me, made 2 mistakes : missing a payment, and then posting the payment to a closed XXXX   account we had. As a result of these delinquencies now - even though he made a payment ( technically ) after missing that one - they made this decision to lower my limit. That changed my utilization percent of debt from a 50 % to a 96 % use rate - which impacts me negatively on the credit report. When I called to explain all that I found out : the payment made to the wrong account - that resultant effect to them showing 2 delinquencies which really was not - husband just posted incorrectly - and subsequent reduction of limit - causing a negative impact to my credit score which would negatively impact me - asking they reinstate it - the man on the other end of the phone, rudely stated that it was my responsibility to pay the bill. His name was XXXX on the enclosed docs. I have personally been the XXXX to my mom with XXXX for the last year and XXXX children, 4 dogs, 6 cats etc. This is why my husband pays the bills. He is the income and maintains the knowledge of what needs to be paid when. I had all this going on which I explained to XXXX, further explaining that my only concern was the result of their decision on my credit report/and score/and skewing the utilization %. He didn't care. Said they had nothing to do with FICO. But they do. They absolutely do. They make decisions based on small mistakes consumers make and don't care when you point out that the payment was sitting in the incorrect account. They fixed it and moved it, once I pointed it out to them, but were unwilling to address my real concern which was the change in my debt utilization % due to their decision to reduce my credit limit, which I was not even using, due to our efforts to pay off our debt.
Product: Payday loan, title loan, personal loan, or advance loan

Your complaint Complaint Number XXXX Step 1 What product or service is your complaint about?

PRODUCT OR SERVICE Payday loan, title loan, personal loan, or advance loan Loan used to repay previous loan No TYPE Payday loan Inactive modal Step 2 What type of problem are you having?

Issue Received a loan you didn't apply for Have you already tried to fix this problem with the company?

Yes Did you request information from the company?

No Step 3 What happened? 
XXXX XXXX is th holder of this information that was sold in XXXX of XXXX. I never have received anything connected to CASHNET USA. I filed bankruptcy in XXXX  and I have been cleaned since now all of a sudden I am getting sued by cashnetusa for a loan I never applied for. I am a victim of identification theft and fraud. 
I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. 

The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps. 
Inactive modal What would be a fair resolution to this issue? 
Tell cashnetusa stop harassing me and freezing my account for money I never received. 
Step 4 What company is this complaint about?

Company Information CASHNETUSA Step 5 What people are involved? 

Your contact information 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: Credit reporting, credit repair services, or other personal consumer reports

The following accounts and credit inquiries listed on my XXXX XXXX, XXXX and Equifax credit report is fraudulent and not my account : XXXX XXXX XXXX XXXX, XXXX, {$370.00}, XXXX XXXX XXXX, XXXX. XXXX, {$2000.00}, XXXX XXXX XXXX, {$570.00}, XXXX XXXX XXXX XX/XX/2022, XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and XXXX XXXX XXXX, XX/XX/2022
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : 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

My FICO score has been very high ( between XXXX and XXXX for the past 12 months ) so I was surprised to hear of my bad credit report/score from XXXX XXXX XXXX that SageStream provided. 

On XX/XX/XXXX I received a letter from XXXX XXXX XXXX that due to the bad credit report/score provided by SageStream I would be required to make a {$100.00} deposit to open add an account to my partner 's existing account. The letter stated that I had 30 days to request a copy of my report/score from SageStream. That same day, we both went online and requested our report/score -- we also froze my credit with many of the credit reporting agencies. I waited 30 days and had not received the report/score. On XX/XX/XXXX, I called the number for SageStream and left a voice mail ( since all operators were busy and the recording stated my call would be returned within 24 hours ). I waited the 24 hours and left another message on XX/XX/XXXX ( the same recorded message played and I left the same message ). The company has been non-responsive and hides behind recorded messages.
Product: Credit card

I received a XXXX Cancelation of debt for this account. Please remove this account from my XXXX Credit Report as the retention time has expired.
Product: Student loan

On XX/XX/XXXX, my account was automatically debited {$230.00} even though I had already made the required payment of {$200.00} on XX/XX/XXXX. I requested a refund of the {$230.00} over-payment later in XXXX, and I was told that it could take up to 3 months to process that refund request. 

On XX/XX/XXXX, I called and emailed MOHELA to inquire about the status of my refund request. They told me that the request was still being processed and that they did not have a timeline on when that could be completed. The email was met with an automated reply simply stating that I had already called a customer service representative about the issue. 

On XX/XX/XXXX, I called MOHELA again to inquire about the status of my refund and to put a forbearance on my account. At that time, they told me the refund request was still not finalized on their end, so I asked for expedited processing. The MOHELA agent told me that she had approved expedited processing, and that it would be completed in XXXX days. She also told me that she could not put a forbearance on my account over the phone, though I have now learned that it is possible to do so. 

On XX/XX/XXXX, I called MOHELA again to ask about putting a forbearance on my account and to inquire about the status of my refund request. I was once again told that the refund was not yet processed, despite the previous assurance of expedited review. For my forbearance issue, I was put on hold for an hour and a half and nobody picked up the call before their call center ended its business hours for the day. My account, as of my writing this complaint, is still not in forbearance. 

At every turn, I have faced poor customer service and multiple calls where I have been placed on hold for hours at a time- each call starting in XXXX seems to last at least XXXX hours, with the vast majority of that time being spent on hold. I have tried using their automated call-back service, but it is unreliable and I am often not given a call back by the company. 

MOHELA 's customer service is shameful, especially for being the single loan servicer dealing with a program as large and important as XXXX XXXX XXXX XXXX. It often feels like they are intentionally making things as hard as possible to discourage their clients from advocating for themselves and, in my case, from getting money back that is rightfully owed as a refund.
Product: Mortgage

My house is on foreclosure and I wanted to get help from my lender because I dont want to lose my house but after calculating my missed payments I should be behind by only $ XXXX. The bank seems to have added $ XXXX in fees.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.
Product: Credit card or prepaid card

This is regarding the following billing disputes with Citibank : XXXX XXXX XXXX Purchase Price {$9.00} Purchase Date XX/XX/XXXX Dispute Date XX/XX/XXXX Withdrawn XX/XX/XXXX : XXXX XXXX XXXX Purchase Price {$10.00} Purchase Date XX/XX/XXXX Dispute date XX/XX/XXXX Withdrawn XX/XX/XXXX : I was issued permanent credits with no additional documentation required. Recently, I was informed by Citibanks executive office, XXXX and XXXX, that they have been issuing me permanent credits, but when a merchant disagrees with my dispute, they have still been paying them as well. Then, they have been taking the amounts and charging them off on their P & L sheets. Then, they have been coding my disputes as misrepresented despite failing to ask me for my own supporting documentation. 
I have discussed the problems with refunds over the last 12 months with the XXXX store manager, I have written an online complaint to their corporate office ( they still have no responded ), I have filed a XXXX   complaint against their corporate office ( they still have not responded ). The XXXX store manager apologized for the problems and has issued me in-store comps for three meals. I have received two so far. I have withdrawn both of the disputes despite not knowing whether Citibank paid this merchant or not, because they have failed to provide me with a complete list of the so-called misrepresented disputes. Despite withdrawing both, the only one that has been rebilled is XXXX. In addition, despite asking for full dispute paperwork and the merchants response in writing to their billing department, they have failed to provide me with the documents to date. In addition, Citibanks Notices and Letters page isnt showing any of the dispute paperwork. The majority of my dispute paperwork has either never been uploaded or has mysteriously vanished. They have also not sent paperwork to my mailing address regarding these disputes. 

I am including screen prints of the dispute summary, copies of the comped receipts, copies of e-mails sent to billing disputes, a copy of the transaction rebill, a copy of how to calculate sales tax for XXXX, and a copy of this letter in PDF format.
Product: Credit reporting or other personal consumer reports

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX Balance : {$930.00} XXXX XXXXXXXX Balance XXXX {$2000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with the dealership about submitting several credit inquiries while only agreeing to XXXX. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX IN XXXX on XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TEXAS XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  Michigan XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX
Product: Money transfers

My XXXX year old father sent numerous wire transfers and money orders/money grams to someone he met on the internet. ( both domestic and international fund transfers ) The total amount is approximately {$700000.00} and took place from XX/XX/XXXX-XX/XX/XXXX. My Dad had a XXXX and XXXX, but I found documentation and account numbers and emails and have enough information that this should be traceable. I believe this is an organized crime that my Dad fell victim to. Please help investigate so this doesnt happen to other XXXX citizens.
Product: Credit reporting, credit repair services, or other personal consumer reports

I SPOKE WAS XXXX XXXX XXXX SHE CAME INTO THE XXXX DISTRICT OFFICE WHO WISHED TO MAKE A FRAUD REPORT. 

XXXX XXXX RECENTLY OBTAINED HER CREDIT REPORTS AND THERE WAS TWO FRAUDULENT ACCOUNTS OPENED IN HER NAME WITHOUT CONSENT ( XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, AND XXXX XXXX XXXX XXXX XXXX ADVISED ME THAT SHE CONTACTED THE CREDIT BUREAUS AND FRAUDULENT CREDITORS NAMED ON HER CREDIT REPORT. 

THE FRAUDULENT COMPANIES ADVISED HER TO GET THIS POLICE REPORT SO THE FRAUD CAN STOP. 
THE CREDIT BUREAUS ADVISED HER TO SEND POLICE REPORT TO THEM ALSO. I ADVISED HER TO PLACE A FRAUD ALERT ON HER PERSONAL INFORMATION JUST TO BE SAFE. 

I PROVIDED XXXX XXXX WITH THE CASE CARD OF THIS REPORT FOR HER RECORDS.
Product: Credit reporting or other personal consumer reports

I am writing to urgently request your assistance in removing fraudulent items from my credit report. Despite XXXX previous attempts to rectify these issues directly with the credit bureaus and creditors, the fraudulent items remain uncorrected and continue to damage my creditworthiness. The continued presence of these fraudulent items on my credit report is a violation of the Fair Credit Reporting Act ( FCRA ), which entitles me to dispute and correct inaccurate information. I am requesting for your intervention to ensure these fraudulent items are removed immediately. The persistent inaccuracies are causing significant harm to my financial standing, and I am prepared to take legal action if necessary. Please help conduct a thorough investigation into this matter and facilitate the immediate removal of the fraudulent items from my credit report. I request written confirmation once the corrections have been made.Kindly help me remove the following items immediately : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$2100.00} XXXX  XXXX Balance : {$6200.00} XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXXXXXX XXXX : {$2100.00} XXXX XXXXXXXX Balance : {$6200.00}.
Product: Credit card

On XX/XX/year>, I purchased an XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX  for my son. According to Nordstrom, the item was delivered to my home. I checked with all my neighbors and no one saw the package. I called Nordstrom several times and informed them I had not received the item. I filed a dispute and was denied. I was told by XXXX a customer service financial service supervisor that once the item is shipped out, Nordstrom is not responsible for it. I was also told to go to my local police Precinct and file a report. I did and was informed that because of the high volume of petty theft in my neighborhood, they were unable to take the report. 
I also informed Nordstrom that in my neighborhood there are several persons with the beginning of my address and what differentiates the homes is the street number, because the XXXX delivery takes a picture it does not necessarily mean it came to XXXX XXXX. I went to several XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX and asked about the package and no one seemed to have gotten it. 
I was charged late fees and Nordstrom has placed a late payment on my credit report because of this item. 
I have called them several times but no one is willing to help. It is difficult for me to pay for an item I did not receive. 

Purchased online on XXXXXX/XX/year> Order # XXXX | XXXX item
Product: Credit card or prepaid card

On XX/XX/2021 someone used a balanced transfer check from my account for {$1500.00}. There was a {$75.00} balance transfer fee, {$5.00} and interest charges {$22.00}. My first call was on XX/XX/2021. They closed that credit card and sent me another one and said they would investigate the charge. I called again in on XX/XX/2021 to check status because I never received a call or letter from them. Apparently nothing had been done and interest charges keep adding up on my credit card. I was told this would now be compliant level 1. I called again on XX/XX/2021, still nothing had been done. I was told a case had not been opened. So, the account manager said she would open up the case. I insisted on speaking with a supervisor and held several minutes and was disconnected. Called back on XX/XX/2021, the person I spoke with couldn't see if a case was opened and was going to transfer. I declined because I didn't have time to go through another 50 minute conversation and nothing happen. I don't understand why they can't credit the money back while they investigate the check that was used. 
Credit card company : Barclaycard XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have lost count of the number of letters I have sent to your bureau regarding my status as a victim of identity theft, as my concerns have yet to be fully resolved. Once again, I am disputing the fraudulent information that is adversely affecting my credit file. Despite my submission of the required FTC complaint, your bureau continues to report this fraudulent account on my credit report. I want to emphasize that I have already contacted the company associated with this account, submitted the necessary documents, and had the account promptly deleted from their records. Moreover, other credit bureaus have already removed this account from their records following the submission of the FTC complaint. Therefore, I am curious about the verification process your bureau employed to continue reporting this fraudulent account. Please have this account removed completely from my report : XXXX XXXX XXXX IN XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having auto loan with Hyundai motor finance. I have been paying monthly EMI regularly and also paid some extra amount to pay off the loan early. It is also been reflected in monthly statements from Hyundai motor finance. 

But it seems that Hyundai motor finance has not been reporting this to credit reporting bureau ( XXXX, XXXX, XXXX ) since XX/XX/2023. 

This is affecting my credit report and credit history very badly. 

On XX/XX/2023, I have sent credit report, my monthly statements from Hyundai motor finance and letter explaining my situation. I haven't heard anything from them so far. 

Kindly request you to please take action on this at the earliest.