23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have a Discover credit card originally opened in XXXX in which I have a {$15000.00} credit limit and have used my limit. My current annual income which has remained the same over the past couple of years is around {$50000.00} - {$55000.00} I tried to contact Discover as I am currently going through financial hardship to see if we can settle on a lower balance as I feel Discover should have never approved me for such a high credit limit based on my income, it was only so they can charge me a lot of interest. I have other credit cards through XXXX, XXXX, XXXX bank, XXXX these lenders have given me credit limits from {$1500.00} to at most {$4000.00}. All the credit issuers use the same criteria such as income and cost of housing so I don't understand why Discover approved me for such a high credit limit which I now find difficult to pay and get out of debt. I believe it was so they could charge me a lot of interest.Back in XX/XX/XXXX Discover raised my credit limit from {$13000.00} to {$15000.00} without me requesting it and also approved me for another Discover credit card in XX/XX/XXXX with a {$4000.00} credit limit. I assume responsiblity as a customer, all that Discover offered me was to lower my interest rate on my credit card to 9.99 %. I feel that based on my income of {$50000.00} - {$55000.00} Discover should have never approved me for a credit line of {$15000.00}. The interest rate being so high has led to all my payments going to towards the monthly interest that ranged in {$250.00} range, making it impossible to pay my balance down. I have been a good customer never making late payments, always at least paying minimum, I believe that offering me a high credit limit was not done for my benefit but theirs, as they knew my income had stayed the same, but increasing my limit throughout the years without me asking them to and charging me a high interest rate, ensures they can make the most money off of me as possible.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I used to be a Consumer Loan Originator for OneMain Financial. I'm writing this complain to report my manager for actively discouraging employees from completing proper investigation into fraud alerts on consumer accounts. Names on titled loans were checked by calling a private licensing office and no effort was ever made to ask about or investigate fraud alerts on consumer accounts. I had several instances when I raised concern about fraud on consumer accounts only to be assuaged by my manager that we should lend out money with no further request for questioning or documentation. An extreme of this situation would be a consumer who applied with 17 cars and no money to start a business. My manager told me not to worry about the situation and to try to secure a loan on one of his vehicles without any further questioning.
Product: Credit card

Hello, I am submitting a complaint on Citi bank, they closed 2 of my credit cards because they haven't received document from me. I have tractor supply credit card with citi bank and citi american airlines credit card. I was able to use my cards previously without problem, I was doing my payments on time. I haven't received any letter, because the letter they have sent to me was sent on XX/XX/XXXX on XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, I attached the letter they provided to me. But at that time I have already moved to my new address XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I attached my statement that you see I have moved to my new address. I haven't received a call or email regarding that they have requested document from me. Whenever I would login there were no notification that there was a problem with my account. When they closed the account the red notification appeared in my account, but not when they requested documents, I attached screenshot. I am not asking just to reopen my cards, I request to allow me to send them document they requested and process it, once they process it I ask them to reopen my cards. I am ready to provide the information they need, but they don't agree to allow me to send my document and reopen my cards, despite the fact I was never able to know that there is a problem with my cards.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Third Dispute Regarding Inaccurate Late Payments Dear CFPB, I am filing a formal complaint against your agency for failing to correct inaccurate information regarding late payments reported on my credit report for one of my accounts. Despite multiple requests for correction, including letters dated XXXX and XXXX, my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Disputed Information : Late payment notations remain inaccurately reported despite my payment history showing all payments were made on time. Specifically, your records inaccurately report the following : 30-day late payment in XX/XX/XXXX. 
60-day late payment in XX/XX/XXXX. 
These inaccuracies are reflected in the reports from both XXXX and Experian, while XXXX fails to report this account entirely. The remarks in your records indicate " Account was in dispute- now resolved - reported by subscriber, '' yet the errors remain uncorrected. 
Violations Identified : FCRA Violations : 15 U.S. Code 1681i : Requires credit reporting agencies to ensure the accuracy of information in consumer files. This has not been upheld in my case. 
15 U.S. Code 1666b : Creditors must send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting suggests a failure to comply with this requirement. 
TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness. 
PAANL Violations : Under the Protection Against Non-Payment of Obligations Act ( PAANL ), creditors are obligated to provide timely statements to prevent unfair penalties to consumers. This responsibility has not been met, as evidenced by the inaccurate reporting.

Desired Resolution : Immediate removal of all inaccurate late payment notations from my credit report. 
Written confirmation of the correction made to my credit file. 
If this issue is not resolved promptly, I will escalate my complaint further, including filing additional complaints with relevant regulatory agencies and pursuing potential legal action. 
Attachments : To assist with your investigation, I have included : Copy of my Social Security Number. 
Copy of government-issued ID. 
Proof of address. 
Highlighted credit report indicating the inaccuracies. 
I kindly request that you provide a detailed description of the investigation process and the evidence used to validate the late payments within 15 days, as required by the FCRA. 
Thank you for your prompt attention to this matter. I look forward to receiving a resolution and confirmation of corrections within the timeframe mandated by law. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of the Equifax data breach, and my personal information has been compromised. Several accounts were fraudulently opened or affected, which I did not authorize or initiate. These accounts are now causing potential harm to my credit report, and I am requesting immediate assistance to have them blocked and deleted pursuant to 15 USC 1681c-2 ( a ).

The accounts in question are : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX I am concerned about the negative impact on my credit report and potential exposure to identity theft due to this breach. I am requesting prompt action to block and remove these accounts from my credit report in order to prevent further unauthorized use of my information and to maintain the integrity of my credit file.
Product: Debt collection

I received an alert on my credit report for Fair Collections and Out for an amount that should not have been submitted to collections. I received a final bill upon moving out for utilities for date range XX/XX/year> - XX/XX/year> and pro-rated rent for XX/XX/year> - XX/XX/year> which was due on XX/XX/year>. I paid the bill in full on XX/XX/year> and hold proof of payment. Months later there was a collections added to my credit report with all XXXX credit reporting agencies. I disputed this a few times including proof. The dispute had been closed stating it was accurate with a statement including utilities that were already paid for and carpet replacement that was taken from our deposit. Not only did we pay for the final bill right away, and hire a cleaning service before moving out, but we also lost our deposit. I called Fair Collections twice, however they were not interested in seeing receipts/proof, only payment. They have promised to return calls but have not. I called the credit agency and they advised that their process was to send the documentation to the collection agency and they would report back if it was accurate or not. The credit agencies advised the next action would be to escalate this to CFPB. Now, I am taking the next action advised by the credit agencies which is to submit a complaint to CFPB. Please review this as it has been a barrier to secure housing for my family.
Product: Debt collection

The morning of XX/XX/2022 Global Lending Services behest XXXX XXXX  and XXXX XXXX, to repossess/steal my property my automobile from in front of my place of abode. 
Pursuant to 15 USC 1692f ( 6 ) ( A ) ( B ) ( C ) Unfair Practices. Global Lending Services used unfair and unconscionable acts to have my vehicle repossessed. This towing company is an uninterested party who was not there during a private consumer credit transaction! 

I XXXX XXXX, original creditor, and natural living breathing person have sent Global Lending Services 3 Affidavits, 3 cease and desist letters, along with a debt validation letter. Global Lending Services did not rebutt neither of the three affidavits I sent, Global Lending Services honored half of my cease and desist stating they would stop calling but I would still have to pay this alleged debt, violation pursuant to 15 USC 1692b ( 2 ). When I the natural person requested for debt validation Global Lending Services sent me statement history pursuant to 15 USC 1692g the 5 items required by Congress for a debt collector to send does not mention a payment history. Global Lending Services failed to produce these documents they are not liable. 

I do not have a contract with Global Lending Services neither with the towing company Global Lending Services sent to my place of abode to steal my property without my knowledge or consent. I did not personally give Global Lending Services nor the XXXX XXXX sent by Global Lending Services my personal information which is a violation of my privacy from both companies pursuant to 15 USC 1692 ( a ) Abusive Practices as well as 15 USC 1681 ( a ) ( 2 ) I have denied these alleged obligations of this debt to both elaborate mechanisms and will be holding both companies accountable for causing such emotional distress to not only myself but as well as my family. The automobile was the only means of transportation for family purposes, doctor appointments, school, and other household purposes we have missed due to these illegal actions. This illegal act has caused XXXX, trouble sleeping, embarrassment, Ive also lost confidence is the banking system. 

I am holding Global Lending Services accountable for violating my consumer rights
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe the reporting credit bureaus are in violation XXXX Experian And XXXX XXXX stated I have a verified bankruptcy on file, The US Bankruptcy Court States they do not report to reporting agencies : -XXXX XXXX Bankruptcy Case Number : XXXX -XXXX XXXX Bankruptcy Case Number : XXXX This Is A Violation In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 the reporting agencies has violated my rights 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 1681 b
Product: Credit reporting or other personal consumer reports

My credit card lender is capital one on XX/XX/XXXX I checked my credit score with XXXX and found out that my lender had took my credit card account off my report to them upon me contacting XXXX I found out that I had mistakenly filed a dispute with them and they said that my capital one card was no longer on their report. Upon finding out I reached out to my lender and explained to them that I am a handicapped person thats physically challenged and its hard for me to get around and that I needed my account info with my credit history reported do to the fact I was going to purchase a handicapped vechile because I needed my good credit score which was no longer on my report my lender kept telling the only way I can file a dispute is to write them and mail them info I explained to them my various XXXX and they still insist that I do so Afther calling my lender about 5 times Afther explaining to them that even win I have to apply for social security and anything else to my XXXX its done over the phone I had given them all my account info answered all security questions anything they need to know so finally I got them to file a dispute but thats takes 30 days or so I asked them do to my XXXX could it be any way they could send my old open account back to XXXX so that I can get my credit score back that was taken off. Upon me going back and for with XXXX 5 times or they told that it was a mistake about the account being taken ok my report and to contact Capital one which I did the dates were XX/XX/XXXX and the XXXX XXXX XXXX when I found out my credit score was gone off my report. I think that the companies should have some type policys implemented to assist people with XXXX
Product: Checking or savings account

I received an email from TD Bank saying my checking account was over drafted XX/XX/year> at XXXX from a debit transaction I did not authorize. First the debit said XXXX took {$630.00} today it shows XXXX took the {$630.00}. I went into my bank after locking my card and trying to report fraud to the bank. They said it is still pending and I have to wait for it to post in order to dispute the transaction. I asked why no one called to authorize such a large transaction as that's my normal alert settings for charges over my set threshold. TD Bank said they do not know why I didn't get a call. This website allowed someone to use stolen info to make a payment to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 1. XXXX XXXX Account number XXXX XXXX. XXXX XXXX  Account number XXXX XXXX. XXXX XXXX  Account number XXXX XXXX. XXXX Account number XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Account number 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
Product: Mortgage

In XXXX, XXXX, a letter was sent to Freedom Mortgage, that included the following details : On XX/XX/XXXX, I entered into a mortgage with my wife 's grandmother. During closing time, I noticed an error in the paperwork and mentioned it to title and my lender. A correction was never made in the closing documents. As a result, the Warranty Deed which was filed incorrectly on record by Freedom Mortgage to XXXX XXXX, TX. The deed was filed as Tenants in Common. The deed should have been filed as Joint tenancy with rights of survivorship. Grandmother tragically passed away on XX/XX/XXXX. 

I have contacted Freedom Mortgage on numerous occasions, including communications via their message center through the app. I have sent messages on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have also contacted them through the end of the year and the beginning of this year regarding her death to get the deed fixed. I kept getting generic messages and when I called, I was either transferred to someone else, or got a different answer every time I called. 

The issue is that on the Uniform Residential Loan Application Form - XXXX XXXX XXXX XXXX on page 14 of 16 under L2 Title information, the section was left completely blank where it states " Manner in Which Title Will be held ''. 

This was a mistake done by Freedom Mortgage and also the warranty deed was filed by Freedom Mortgage. I contacted the County clerk 's office who told me that an affidavit for the deed can be filed since there was a mistake in the paperwork. It also states in the Deed of Trust that corrections could be made. 

After sending this letter in XXXX, their response seemed automated and stated in a letter that no changes would be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke to Experian on numerous occasions about several accounts on my credit report that was a result of identity theft. Also I called the companies and they keep telling me that the information is factual. 

XXXX. XXXX XXXX -This account was opened on XX/XX/XXXX, the account number that is listed on my Experian report is XXXX in the amount of {$3100.00}. The company address is XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXXThis account was opened on XX/XX/XXXX, the account number listed on my Experian report is XXXX. The company address is XXXX XXXX XXXX XXXX XXXX, MN XXXX. 

3. XXXXXXXX XXXX  XXXX - This account was opened on XX/XX/XXXX, the account number listed on my Experian credit report is XXXX in the amount of {$780.00}. The company address is po box XXXX XXXX XXXX, NY XXXX. All of these accounts are due to identity theft and fraud. I need them to be removed from my credit report permanently.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, Nevada XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX Subject : Dispute of Incorrect Information and Unauthorized Inquiries on Credit Report Dear Sir/Madam, I am writing to dispute the accuracy of certain information contained in my credit report and address unauthorized inquiries that have appeared on my credit history. After reviewing a copy of my credit report, I have identified several discrepancies that require your immediate attention. 

The following personal information is incorrect : Date of Birth : XXXX The following personal information is incorrect : Date of Birth : XXXX The following personal information is incorrect : Date of Birth : XXXX The following personal information is incorrect : Previous Address : XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NV XXXX I kindly request that you promptly investigate these errors and take necessary action to rectify the information in accordance with the Fair Credit Reporting Act ( FCRA ). Please ensure that my credit report reflects accurate and up-to-date personal information to prevent any further complications or misrepresentations. 

Furthermore, I would like to address the unauthorized inquiries made on my credit report : Unauthorized Inquiry : Company : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Unauthorized Inquiry : Company : XXXX Date of Inquiry : XX/XX/XXXX Unauthorized Inquiry : Company : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX I did not authorize or provide consent for these inquiries to be made, and I insist that they be promptly removed from my credit report. Unauthorized inquiries can negatively impact my creditworthiness, and it is essential that my credit history accurately reflects only authorized activities. 

In accordance with the FCRA, I kindly request that you thoroughly investigate these matters, rectify the inaccuracies, and remove the unauthorized inquiries from my credit report within the legally mandated timeframe. Additionally, I request that you provide me with a written confirmation of the corrections made. 

Please consider this letter as an official dispute under the provisions of the FCRA. As per my rights under the FCRA, I also request a free copy of my updated credit report after the necessary corrections have been made. 

Thank you for your attention to this matter. I trust that you will handle this dispute with the urgency and accuracy it demands. Should you require any further information or supporting documentation, please do not hesitate to contact me using the provided contact information. 

Sincerely, XXXX XXXX
Product: Student loan

Student Assistance corporation calls me with robocalls constantly. Most of the time I get dead silence over a voicemail and then a message mid recordeing. This time I bothered to answer because I was expecting a call from another business for another reason not debt related, and I dod n't get a live person on the other side. I got " Student Assistance Corporation is trying to reach you. Please call... '' XXXX, you had me. you reached me. I am not going to call back when you robocall me and then give me a robot to listen to when I do actually answer the phone.