23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

My initial credit line was XXXX XXXX 
I could not make payments due to a bug in their system. I had to call every month and pay over the phone. Company got on my browser with me logged in and seen this. They reversed late payments 2 or 3 times because the web page kept crashing every time I tried to make a payment. Out of the blue they raised my limit to XXXX $ and then dropped it to XXXX XXXX 
This decreased my XXXX score by XXXX points. I was in the process of getting a business loan secured by my personal credit. This obviously threw a wrench in my plans. I called the credit card company ( us bank ) to see why. 
They sent me to the underwriting department who said it was because of late payments. Not even bothering to look and see that I couldn't pay if I wanted to ( which I obviously did ). Looking online for answers I found the fair credit reporting act I found this. 
According to the Fair Credit Reporting Act, the only reason a card issuer needs to inform you about a credit limit decrease is because you missed a payment, are only making minimum payments on a high balance or took some other negative action that raised a red flag. In that case, your issuer would have to call or send written notice by mail or via the secure online message center. 


So I called us bank back on a recorded line and asked to speak to underwriting. 
She told me there was no such department. 
I asked to speak with a supervisor. 
The supervisor ( XXXX ) told me the same thing I already heard. 
They throttled me because of late payments. 
I then informed her of the fair credit reporting act to which she said they can do this to me because it's in their terms of service agreement. 
I asked if that means they don't have to adhere to the F.C.R.A.? 
She basically told me whatever I read to her doesn't apply to them. 

So in a nutshell, us bank solicited me a cc while i was shopping in XXXX. 
A cc which I didn't need. At the time I already had at least XXXX $ of unused credit at my disposal. Well I signed up anyways thinking it would save me on gas. Instead this XXXX ended up costing me XXXX points off my credit score, hours of time trying to resolve countless issues I had to call about and now it's costing me a loan to open my small business. 
I have since sent payment of the total balance to us bank and I'm sure even paying it completely off won't raise my score XXXX points. 

I would like for them to make this right. 
It is a blatant violation of the F.C.R.A and they don't seem to know this which tells me that this is common practice to them. 
No letter and or message was ever sent to me entailing their decision. 
XXXX XXXX XX/XX/2023
Product: Money transfer, virtual currency, or money service

I have sent multiple Zelles to the wrong people that time when there was no warning and was calling my bank to request a cancellation of transaction but they didnt do anything about it because the informed me that once that has been sent cant be returned, but I didnt get any warning about who Im sending it to.
Product: Debt collection

THE DEBT IS SHOWING ON MY CREDIT REPORT AS LVNV FUNDING. I HAVE NEVER HAD AN ACCOUNT WITH THEM. DEBT IS NOT MINES AND NEEDS TO BE REMOVED IMMEDIATELY. THE CREDITOR IS ALSO SHOWING THE NAME AS XXXX.
Product: Mortgage

Last year I requested a hardship and was approved by Flagstar Bank in XXXX of XXXX for a HAMP Standalone Modification Plan ( Trial Plan ). I had initially missed a couple of payments. I submitted documentation to get assistance from the bank to help me. Once the plan was in place I did NOT miss any other payments. All items are attached of the agreement. 

The agreement was to start the first payment on XX/XX/XXXX in the amount of {$1200.00} for three months and then after successful completion of the trial plan i was to receive a confirmation that the plan was PERMANENTLY MODIFIED. I signed and agreed to this with the bank. I have attached all the documents. I paid XXXX, XXXX and XXXX as noted in the amount of {$1200.00} I did not break the agreement. I was not late on any trial plan payment. And then on Friday XX/XX/XXXX I received a call from the Bank, after many transfer I was connected with a representative named XXXX who then informed me that I was on a Forbearance and wanted to know when i was going to make payments, and then he said he could not find my SPOC who called me and then he told me that the reason for the call was that the bank needed me to agree to a modification of a new payment in the amount of XXXX. I reminded and educated him on the current modification plan that i was on and that i had met that agreement and i was not sure of what was going on. He then proceeded to say something to the case of the bank missed a review of the account, the escrow went up and they missed that etc. He then said that they needed to know if i was agreeable to the new identified payment. I told him NO and that i did not feel comfortable with this call and nothing in writing and that i was waiting on the bank to send the final documents as agreed that needed to be notarized for my permanent modification plan. He told me that there may be other options and other community services that i could reach out to. The conversation in which I am sure has been recorded can be located by the bank. Also what is noted are the multiple calls that I personally made to the bank since last fall to get this account straight and to ensure that I met their agreement. All of this should be located in my file. 
I signed and sent back the forms to Flagstar Bank on XX/XX/XXXX. I met the agreement as noted in writing from them. And I feel that they have tired to go back on the signed agreement which will cause me more heartache and problems. They offered no help but instead pressured me to agree to the new plan over the phone. Which I declined and I informed them that I was calling to file a complaint. 
My entire case needs to be reviewed. I am not sure of why they would want to change after I made all my payments for the trial on time. I did exactly what they told me to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried contacting/ Disputing with Santander , was given no help. Put negative makes stating I was 30 days late when the account was charged off and sold to another company back in 2015. Public records still stating that the account is still owed
Product: Debt collection

Refer to CFPB Complaint number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX .
Product: Debt collection

Please review I submitted with prior complaint all identity theft documents to CFPB to both your office and the federal trade commission and it has already a been removed from my credit by this agency included in this file.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  account # XXXX has violated my rights. 

15 USC 1681 SECTION 602 States that I have the right to privacy.

15 USC 1681 SECTION 604A SECTION 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Debt collection

yes on XXXX a company called XXXX gave us a XXXX???? over the months we never got any bills monthly for the device. than all of a suden out of the blue.in XX/XX/XXXX we got a bill for XXXX????? dont think its right what they did.i contacted XXXX.left few voicemails stating we will not pay the whole amount of XXXX??? because they did not give us monthly bills at all????? i also left message with XXXX too pick up the machine???? they did not pick it up yet???? i also contacted the XXXX about this problem??? told XXXX about how XXXX contacted XXXX in XXXX nj????? XXXX said they would contact XXXX too see if they would lowere the amount out of a courtesy thing???? never heard back from XXXX??? all XXXX did was sewnd the new bill of XXXX???? all i want is for them too at least out of courtesy lower bill too XXXX???? thats all we can pay.my moms XXXX years old XXXX.has XXXX too.im her son XXXX too her.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with Santander Consumer XXXX USA car loan. I have not been past 30 days within in the past year. Often, I have to call Santander Consumer USA to report my account. They did go back report my account as late every month and previously it was reported paid on time on XXXX. I did have deferrement on the account last year XXXX. XXXX due to COVID. They reported it as 30 days late. For XXXX. XXXX they reported the account is current paid on time. They have not reported for XXXX or XX/XX/2021. They also reported my account paid and late within past 90 days. This has dropped my credit report I am in the process of closing on home and this could keep me from my purchase. I am asking that Santander will report correctly and show where I have been making on time payments and remove the negative issues on my account.
Product: Money transfers

I opened an online account with Western Union ( westernunion.com ) on XX/XX/2017, I processed a money transfer charged to my credit card ending with -XXXX of the amount of {$500.00} to the country of XXXX to my brother, Western Union charged a transfer fee that I greed to of {$42.00}. Then they charged another {$27.00}. The transaction remained on hold for a few days. I called customer care in XXXX and talked to several people over several days ( one example is XXXX operator ID # XXXX ), they informed me that my they need a photo ID of mine and a report on the recipient ( relationship, occupation, father 's name, why I am sending money ), they said they may ask me for more ID information. I was not comfortable providing all this personal information so I asked for the transaction to be cancelled and money refunded to my credit card, they said that money will be on hold indefinitely unless I provide the information they asked for. THIS IS OUTRAGEOUS AND VERY FRUSTRATING..!! The money id still on hold with no refund or cancellation. Please assist
Product: Credit reporting or other personal consumer reports

YOUR COMPLAINT To Whom It May Concern : This is my second time writing you to update my personal information. 15 USC 1681 ( a ) ( 4 ) 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. I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX Please delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX the following names listed XXXX. My ONLY Address : XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Please delete all other addresses such as XXXX XXXX XXXX XXXX XXXX XXXX  XXXX FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. Delete any and all other phone numbers. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. Please send an updated credit report once the changes are complete to my contact information listed. My contact information is as follows : Name : XXXX XXXX My ONLY Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Student loan

XXXX, XXXX I sent a letter to them with no response. 
XXXX, XXXX sent them an email and received a response indicating they would get back to me within 24-48 hours. Nothing received. 
XXXX, XXXX sent them a letter and received a response in XXXX advising they are working on it. As of this date still have not received the requested information. I have tried to call them but I would full time and can not sit on the phone for 3 hours waiting for someone to answer.
Product: Debt collection

I have requested multiple times VALIDATION of this alleged debt. I have advised a past bill is NOT validation. I am requesting VALIDATION of this alleged debt in the form of a signed contract with the company seeking funds from me, Diversified Consultants. I have NEVER signed a contract with DCI and have no obligation to pay this company.
Product: Mortgage

On XX/XX/2019 i purchased a single family home. The sale was only completed thru escrow instructions. Before closing escrow we had to make sure there was sufficient money to cover insurance payment and property taxes payment. 


I have received several delinquency notices from my local property tax collector. When i reached out to my tax collector they expanded that the mortgage company had not sent full updated tax amount due. They explained that mortgage company had sent the old amount due the old amount due would be the amount that the original owner who we bought the house from was responsible for. With this information i have attempted to call the mortgage company. I have not been able to reach any one at their offices. I have left several messages to please call me and have left an updated current telephone number via voice message. I have also sent them a copy of the delinquency noticed and have wrote a note to them to pay the taxes due.
Product: Credit card or prepaid card

When trying to make payments, I was unable to cancel automatic payments. Although I did initially turn off auto pay, somehow the feature was turned back on ( not by myself ). This caused several payments to attempt to withdraw from my account in which there was n't funding for the payments to be made. I called about the issue many times but no change occurred as result I was charged {$2000.00} in fees by Chase. A total of 85 attempted payments incurred fees. I would like to pay my credit card in one full with one payment. But I will be unable to do that with {$2000.00} added to the {$1000.00} limit credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACOUNT SHOWED UNDER MY TRANSUNION AND XXXX CREDIT REPORTS. I HAD AND STILL HAVE MEDICAL INSURANCE. I NEVER RECEIVED A BILL AND IT WAS SENT TO COLLECTIONS. NEEDS TO BE REMOVED. THIS IS NOT MY DEBT. I TRIED CALLING THE COMPANY AND NO ANSWER.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2017 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment when I received my statement. My only thought is that my statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint last XX/XX/XXXX, XXXXTransunion responded but XXXX and XXXX 's XXXX is still in progress. Some items are deleted but there are still FRAUDULENT items on my credit report. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. I DO NOT have any idea regarding these fraudulent accounts on my credit report. These accounts are NOT MINE.
Product: Student loan

Navient is calling my work number. My employer does not want them to call my work number.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I received a Hard Inquiry by these companies : XXXX XXXX, XXXX XXXX XXXX, Capital One Auto Finance. I did not authorize these companies to submit these credit inquiries or to obtain my credit report. 

On XX/XX/2020 I received a Hard Inquiry by these companies : XXXX/XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, Capital One Auto Finance. I did not authorize these companies to submit these credit inquiries or to obtain my credit report.
Product: Debt collection

My car that was leased through Lobel financial was repossessed back in XXXX. They have since sold the car to someone else. They never gave me the option to buy the car back or even let me know that they were selling it. I found out someone else had the car because I kept getting tickets sent to my address two years after the car being repossessed meaning whoever they sold it to never put the car in their name. They also never let me get my belongings that were in the car when they repossessed it. Now 6 years later Lobel keeps increasing the amount I supposedly owe them every month they increase.
Product: Payday loan, title loan, personal loan, or advance loan

Navy Federal Credit Union advertised loan products for military households, I began two applications in my online app and I went to the branch to receive help at the banking center because their online system was misleading.

I asked the branch representative in person for help making sure I applied for the correct loan product, a secured loan for which I intended to apply since I am rebuilding my credit. 

I asked her how do I correctly enter my XXXX XXXX XXXX XXXX XXXX information on the application and whether she was ready to see my vehicle title for the secured loan. She said, " no ''. 

Instead, she did not direct me to apply for the correct loan and she finalized and submitted two loan applications on my behalf -- for which I could not verify. I felt helpless and misdirected! 

Shortly after leaving the branch, I tried to use my secured credit card to buy food and my card was declined. I was locked out of accessing all of my accounts and cards : checking, savings, and credit card. The login message alert said for me to call customer service. 

Upon calling, I was transferred to a woman who identified herself as XXXX in the Security section. She stated I should be XXXX and XXXX XXXX XXXX at the time of my application. 

I replied that I am a surviving spouse. It appears that these products gain poor approval for family members and are directly intended for XXXX XXXXXXXX XXXX only. And, I gained a false report of suspicious activity and a complete lock out of all of my accounts for almost two months as a result of asking for help at a banking center to apply for Navy Federal Credit Union products. 

At this time, I am still fully restricted from accessing any of my accounts with Navy Federal Credit Union with no one correcting this. 

My husband took his last breaths in my arms just a few months ago because of his injury while XXXX XXXX and the bank that he recommended for our family has created a tremendous hardship for us rebuilding our lives since his funeral -- only a few months ago!
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and request that the accounts listed below be blocked and deleted from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). Due to this breach, these accounts are the result of fraudulent activity, and I am requesting their immediate removal and blocking to protect my credit rights. 
The following account details were included in the breach : XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$310.00} Inquiries : XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute the reporting of an account by XXXX XXXX XXXX  XXXX on my credit report, which I believe is inaccurate. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692c ( c ), I am requesting the immediate removal of this account from my credit report. On [ XX/XX/year>, I sent a written request to XXXX XXXX XXXX XXXX requesting that they cease all communications with me regarding the alleged debt. This written request was made pursuant to 15 USC 1692c ( c ), which clearly states that a debt collector must cease communication with a consumer once a request is made in writing to do so, except in certain circumstances ( such as to notify the consumer of legal actions being taken ). Since I have exercised my right to request that XXXX XXXX XXXX XXXX cease communication, I believe that the continued reporting of this account on my credit report is in violation of the law. As a result, I respectfully request that the CFPB investigate this matter and assist in removing this account from my credit file. I would greatly appreciate your prompt attention to this matter. Please confirm in writing that this dispute has been received and is under investigation. If you require any further documentation or information from me, do not hesitate to contact me. Thank you for your assistance in resolving this matter. Sincerely, XXXX XXXX XXXX