23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am submitting a complaint about the recent arbitrary reduction of my credit limit on my XXXX XXXX credit account from {$4500.00} yo {$4200.00}. As a responsible cardholder who has consistently met all payment obligations without any delays or defaults, I find this action unjustified and detrimental to my creditworthiness. The sudden reduction in my credit limit has had a direct and negative impact on my credit utilization ratio, which is a significant factor in determining my XXXX XXXX. However, this unwarranted decrease in my credit limit has now artificially inflated my utilization ratio, thereby causing a drop in my XXXX XXXX. This arbitrary decision by Synchrony Financial not only undermines my financial standing but also jeopardizes my ability to secure credit in the future on favorable terms. A strong XXXX XXXX is essential for obtaining loans, mortgages, and even securing lower interest rates. The reduction in my credit limit, without any valid reason, has unfairly compromised my creditworthiness and financial stability. I request another review of this decision and the reinstatement of my original credit limit of {$4500.00}. Additionally, I seek a clear explanation for this reduction to ensure transparency and to prevent any future occurrences that could further damage my credit profile. As a loyal customer, I expect Synchrony Financial to address this issue promptly and take corrective action to mitigate the harm caused to my credit standing
Product: Student loan

I have an account with XXXX. I have over XXXX XXXXXXXX in loans. I'm an honest hard hard-working father in the lower middle class. I went to pay off some of my loans even though I am in the SAVE plan. I paid every single dollar I had and paid {$22000.00}. After paying this directly to my principal XXXX XXXX took {$3700.00} and applied it to interest. I'm in the SAVE plan I should have no interest on my account and the $ XXXX XXXX paid should have gone straight to my principal. On top of that, my account has been accruing interest for months now, to no end. Please help!!!
Product: Credit reporting or other personal consumer reports

I have identified inaccurate information on my credit report. As outlined in Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), the three credit bureaus are required to verify this account. Reporting unverified information without proper evidence within the legally mandated timeframe is not permitted. Please investigate and rectify the errors for the account listed on my credit report. 
XXXX XXXX Balance : {$60.00}
Product: Bank account or service

I was essentially extorted by M & T bank into obtaining a mortgage through them. Due to a report filed with XXXX by M & T Bank in XX/XX/XXXX, I was banned from opening a First Time Home Club savings account with any bank other M & T bank. The charge that was reported to XXXX was grossly inflated due to what I feel were inappropriate NSF charges. Even though I did n't think the report was fair, I did pay the amount owed to M & T, in full, less than one year after it was report to XXXX. Around XXXX XXXX and XXXX XXXX, I attempted to open a First Time Home Club account with XXXX & XXXX XXXX XXXX XXXX, but both were declined due to M & T 's XX/XX/XXXX XXXX report. After being declined by other banks, my housing counselor advised me to speak with M & T to see if they could withdraw the XXXX report. I contacted M & T at a branch to inquire about them withdrawing the XXXX report, but was informed that they could n't do that. However, they told me, I could open the First Time Home Club account with them. It seems preposterous that a company can report someone for a delinquent account ( which I believe was not legitimately delinquent ) & then force that same person to use only that bank. It seems to me that the system is designed ( at least in this instance ) to ensure that a consumer has no choice but to select a certain bank. To make matters worse, after successfully completing the First Time Home Club program and receiving the mortgage, and without informing me, M & T switched our First Time Home Club account to a different type of account that charges a monthly fee of {$7.00}. I believe it is the practice of M & T to do this to others in the First Time Home Club program. The account was charged the {$7.00} fee each month until the balance went negative, then it was written off by M & T -- all without ever disclosing the fees or sending me a statement. Upon completing the First Time Home Club program, I told M & T of our new address ( as was required in order to take funds from that account ) but M & T never updated the address for the account. Interestingly, they did have the correct address for our mortgage account. When I inquired about this with M & T they told me it was my fault for not changing the address and that I can not obtain the funds I had remaining in my account before the fees were charged and the account was written off ( they refused to confirm whether this account was also report to XXXX, but implied it was not ). They also provided me with several old statements and told me a fee was only charged XXXX times, but upon reviewing the statements I discovered at least XXXX as many fees as they claimed. At best, switching First Time Home Club accounts to fee bearing accounts without disclosing such a change is deceptive business practice. It is also not plausible that they did not have my current address because they acknowledged having it for the mortgage which was obtained as a result of that particular savings account.
Product: Checking or savings account

This is a supplement to my Complaint XXXX. 

Being concerned about M & T closing my account XX/XX/XXXX, I went to the XXXX XXXX  in XXXX, Maryland to check the status New Years Eve. The branch Manager reviewed my account to check the status. He saw NO flags indicating my account was being closed. 
Yesterday, the XXXX of XXXX, I attemtped to use my Debit Card. The ATM machine receipt said it was an invalid card! I did not receive any notice. So, from one day to the next, I have been cut off from my money. A total of {$7400.00}. 
What if I had an emergency? 
I have a call in with a branch manager. I have not had my call returned.
Product: Debt collection

The other credit bureaus have been able to recognize and act upon the fraudulent nature of these accounts, and I expect Equifax to follow suit by promptly removing them from my credit report. The continued reporting of these fraudulent accounts is adversely affecting my creditworthiness and causing significant distress. I insist that Equifax complies with the law and promptly removes the fraudulent accounts from my credit report. I am a victim of identity theft, and it is disheartening that Equifax has not complied with the law and continues to report these fraudulent accounts. It is perplexing that these accounts persist without valid verification, especially when other credit reporting bureaus have successfully removed them in accordance with the Fair Credit Reporting Act XXXX XXXX XXXXFRAUD, PLEASE DELETE!!!
Product: Credit reporting or other personal consumer reports

This item reported on my XXXX Credit report as a Charge Off. 
PENFED CREDIT UNION ACCOUNT NO. XXXX IN THE AMOUNT OF {$20000.00} this account ( s ) was a Charge Off, PENFED CREDIT UNION Reported this as a Profit Loss to the IRS, and are still reporting it on my credit report that I still owe this debt, however PENFED CREDIT UNION never supplied me with the 1099-A. and as of today my request to PENFED CREDIT UNION has not been answered. I am Requesting that the CFPB request a copy of the 1099-A from PENFED CREDIT UNION the Credit Report Reporting on : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MICHIGAN, XXXX XXXX ] XXXX
Product: Checking or savings account

I never received my direct deposit from Capital One. My employer submitted payment. I was supposed to be paid on XX/XX/2025 it is now XX/XX/2025 and still dont have my direct deposit. If I try to call customer service I get put on hold for hours with no help. I have credit card payments that are due and collecting lates fees which I cant pay because capital one wont give me my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX offered me a " bundle and save '' deal if I transferred my phone landline service from XXXX to XXXX. 

When XXXX turned out to be significantly more expensive than promised, I cancelled my XXXX service, and returned to XXXX. 

I paid XXXX in full when I cancelled the service. 

I recently found out that XXXX put a black mark against my credit because I applied for a mortgage. XXXX claims I owe {$53.00} for a " final bill ''. XXXX claims my account number is XXXX. This is impossible. I had already started service with XXXX, and cancelled my XXXX service. XXXX refused to give me any details of the alleged debt, and never even billed me for this " final bill ''. 

I spent many hours on the phone with XXXX, and also contacted them by email. The email address they gave me ( they refused to discuss the situation on the telephone ) was incorrect -- my email was undeliverable. 

I want XXXX to remove the black mark on my credit report. I also want XXXX to provide proof that I incurred this alleged debt.
Product: Debt collection

I contacted wakefield and associates multiple times and emailed documents twice about removing this {$1300.00} debt that is now {$1400.00} on my credit by XXXX XXXX XXXX XXXX. I was promised it would be removed and till this day its still on there. This bill was paid on XX/XX/2019 by XXXX XXXX XXXX at time of discharge. This was never owed. The hospital sent me docs to prove. I submitted complaint to XXXX  and wakefield did not reply.
Product: Vehicle loan or lease

The company refuses to provide a loan payoff amount to myself or the loan refinancing company. Theyve claimed their system has been down for 2 weeks and are unable to provide any account information. This has caused a tremendous financial hardship as my new refinanced loan would be $ XXXX lower than my current payment. I have tried to contact their management team and corporate offices to no avail. Ive already filed a complaint with the XXXX  as well.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. Here is the list of items that
do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding inaccurate items on my credirt report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of these items, they are incorrect and does not reflect my true credit history. Account : XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I deposited a check for XXXX XXXX Wells Fargo policy states wait is XXXX  days due to number of overdrafts which is ok. However today this was pushed back even further. XXXX date XX/XX/XXXX. Full amount was to be available XX/XX/XXXX. When asked them to cancel my deposit I would take it to my primary bank and get it approved next day they said no. They said only option was to tell the issuer to stop payment on check and reissue. Stop payments cost money and unnecessary time. I feel if they quoted me a date and changed it I should have been given the option to continue the process or XXXX  and have it returned to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the following unauthorized inquiries from my Transunion credit report 1. XXXX  XX/XX/2018 2. XXXX XXXX   XX/XX/2018 3. XXXX XXXX XXXX XX/XX/2018
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX/XXXX XXXX, XXXX XXXX XXXX  Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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

I submitted a letter to the 3 Credit Bureaus on XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$220.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Financial Protection Bureau To Whom It May Concern, I, the American consumer am alarmed at recent news reporting that Equifax provided inaccurate credit scores for potentially millions of consumers to numerous financial institutions relating to my credit applications. The report quotes XXXX Equifax XXXX, who said, Initial analysis indicates that only a small number of them may have received a different credit decision, and the XXXX saying, The impact is going to be quite small, not something thats meaningful to Equifax. Equifaxs latest egregious abuse of consumers and its XXXX teams efforts to downplay the harm is yet another example of harm caused by what is quickly becoming a recidivist bad actor, and I urge you to use the full extent of your authority to hold Equifax and its XXXX  accountable. This incident comes XXXX years after Equifax announced XXXX of the largest data breaches in the history of our country, exposing the personal information of more than XXXX XXXX individuals, including myself. These numbers are false, these errors have affected everybody including me. 



Furthermore, you the CFPB took another enforcement action against Equifax in XXXX  for violating several consumer financial protection laws for deceiving consumers about the value of the credit scores they sold, deceiving consumers into enrolling in subscription programs, and engaging in illegal advertising practices. They are still violating several CFPB laws. 

Based on Equifaxs initial actions in response to this matter, I am deeply concerned that I, the harmed consumer will be promptly identified, notified, or even made whole? Moreover, Equifaxs repeated violations of law that have also resulted in I, the consumer harm warrant a more robust enforcement action, instead of the typical regulatory fine that amounts to the cost of doing business. I demand that Equifax deletes these accounts from my consumer credit report and never furnishes this information again. I repeat. Equifax, you do not have my permission nor my consent to furnish any of these accounts on my consumer credit report. 
Therefore, I intend to utilize all tools available to me to ensure I, the harmed consumer are promptly made whole from our broken consumer credit reporting system going forward. 
Equifax providing any credit scores to financial institutions should cease until they can demonstrate to your satisfaction that they have the necessary systems and controls to ensure each credit score they provide on millions of us consumers is verified to be accurate before distributing them to financial institutions. I appreciate your attention on this matter, and I look forward to your response.
Product: Credit reporting or other personal consumer reports

In XXXX of 2024 I the consumer attempted to have my credit report updated to reflect the accuracy of the information necessary to be 'shared '. The accounts that are to be removed are XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX. According to the Fair Credit Reporting Act 15 USC 1681 section 602a states - " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and Experian are consumer reporting agencies, I am the Consumer. My right is to make sure that my private information isn't shared inaccurately which is backed by 15 USC 6801. Which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those. 
customers nonpublic personal information. '' ( XXXX, XXXX XXXX XXXX XXXX XXXX  ) are a financial institution by definition under that title : 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ) any. consumer reporting agency may furnish a consumer report under the following. circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' the financial institution and the Consumer reporting agencies XXXX, XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent! Any and all consent to XXXX, XXXX, Experian, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 
As of XXXX, XXXX, and XXXX of 2024, I the consumer have sent correspondence to these entities in regard to my privacy as a consumer and according to 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX XXXX XXXX, account number XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A, states I have the rights to privacy.

15 U.S.C 1681 section 604 A section 2, also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I wish to formally contest any unsubstantiated or inaccurately documented information in my credit report, according to the FCRA and the recognized XXXX XXXX data field reporting standards. The allegations of delinquency and derogatoriness require factual verification as mandated by federal and state law, preventing any reporting that may contravene legal requirements. 

Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Incorrect DOB : - 1990 Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX Listed below are the Accounts that are being challenged XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXXXXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting Act, XXXX XXXX regarding account number XXXXXXXX XXXXXXXX XXXX XXXX in the amount {$680.00}, 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 also states that a consumer reporting agency can not furnish an account without my written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I issued a certified letter to Equifax on XX/XX/2018 in regards to a bankruptcy incorrectly reporting, Under the Fair Credit Reporting Act, a credit reporting agency has to review and respond to every dispute it receives within 30 days. I have yet to have a response in regards to this dispute
Product: Checking or savings account

I have a CD for my investment started in XXXX  and as I called Bank Of America to update my account, however, when I gave them my identification and name, therefore, they responded was that I have no account number under my name at all. They were able to pulled up my file, but theres someone else name in my account, so they stop helping me out, because they said I have no account with them. What am I supposed to do?
Product: Debt collection

This debt was created in XXXX during the COVID crisis where I worked closely with my property manager about the situation and left the property with verbal agreement that there would be no further financial responsibility. Now in XXXX I received my first collection letter about the large debt with no breakdown or anything. Just a bill. I tried to dispute the claim online with no help at all.
Product: Credit reporting or other personal consumer reports

Yes, I have multiple inquiries. Thats on my credit report that does not even belong to me that I did not make it when I try to dispute it with the credit bureau. They denied it and kept sending it back to my credit report. I told them it was not mine and I let them know And no outcome