23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

My complaint is regarding Synchrony Bank Creditor. 

I am writing to formally express my concerns regarding recent actions taken by Synchrony Bank concerning my credit card accounts. Over the past three months, Synchrony Bank has reduced the credit limits on five of my credit cards, including my PayPal and CareCredit  accounts. These reductions have significantly affected my available credit and, consequently, my credit score. 

The timeline of events is as follows : On XX/XX/XXXX, XXXX of my credit cards saw a reduction in its credit limit. 
Every 2-3 weeks since then, another card has experienced the same reduction, totaling more than {$5000.00} in available credit being lost. 
On XX/XX/XXXX, the credit limit on my CareCredit  account was reduced XXXX day after using it for an emergency vet appointment for my dog. This resulted in being unable to cover follow-up care and prescriptions, which were the primary reasons I applied for the CareCredit  card in the first place. 
Most recently, the reduction in my PayPal credit limit left me over the credit limit on that account, which was unfair since I had already made purchases based on the prior limit. This has now subjected me to penalties. 
While I acknowledge that my credit may not be perfect, I have always paid my bills on time and have never been late. These sudden and repeated reductions in my credit limits are both confusing and damaging. I am deeply concerned that these reductions are being made based on arbitrary credit checks, which seem unnecessary given my consistent payment history. Furthermore, reducing a credit limit to an amount below an existing balance appears predatory and unreasonable. 

I have already contacted Synchrony Bank on two occasions, both via phone and online chat, only to be given the same vague responses contained in the letters I received. One representative even incorrectly told me that I should contact XXXX, which I did, only to confirm that they do not make such decisions. Despite following the necessary steps and even sending a formal letter to their XXXX XXXX XXXX XXXX regarding the CareCredit  reduction, I have yet to receive a response or resolution. Additionally, my attempts to request credit limit increases have been consistently denied. 

I believe it is unfair for a credit card company to subject customers to random credit checks and credit limit reductions without just cause, especially when accounts are in good standing. Synchrony Bank should not be allowed to reduce credit limits below existing balances, causing further financial strain and penalties. 

I hope this matter can be resolved promptly and fairly. I would appreciate any steps that can be taken to rectify the situation. If no resolution is possible, I intend to pursue further action, including bringing this matter to the attention of relevant regulatory bodies.
Product: Debt collection

On  XXXX   XXXX ,  XXXX , I contacted Monterey Collections at  XXXX  in response to a debt collection notice dated  XXXX   XXXX ,  XXXX , from  Monterey  Collections for their  XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   Account No.  XXXX , in the amount of {$1200.00}. The original amount of the debt to  XXXX  was {$1100.00} from  XXXX   XXXX ,  XXXX , and payments were made to  XXXX  through their website between  XXXX   XXXX  and  XXXX  of  XXXX  until the amount was paid off.     The collection agent I spoke with was extremely rude to me and refused to let me speak or even finish a sentence. When I told him that I was disputing the debt, and that the original amount of the debt was less than the collection notice, not to mention all the payments, he said that I would have to provide proof of payment to  XXXX , rather than him requesting same from the company.     I also told him that the collection notice had an incorrect name for me, and he said it did n't matter. Throughout the conversation, he bullied me, would n't let me speak, talked over me, was harassing and ruder than anyone I have ever dealt with over the phone and caused me to be extremely anxious and in emotional distress.     He refused to let me talk about the facts or numbers in question and kept saying that he would have to get a copy of the original agreement. Collection agencies should have proof that a debt is actually owed before they start harassing citizens. Also, when a consumer disputes a debt, there should be a professional response from the collection agency, not bullying, condescension, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX and XXXX are all currently reporting a bankruptcy on my credit report and they have listed the data furnisher as the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX, which is false. 

I have attached a letter from this court verifying and stating they do not report individual bankruptcy case filing data to credit bureaus, nor do they update information directly to the credit bureaus. 

Transunion, XXXX and XXXX are each falsely stating this bankruptcy on my credit report and has et to remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made and online dispute with Equifax about medical collections XXXX XXXX  XXXX the dispute resulted in me calling them because I cant log in to the website to check the status. When I am prompted to answer security questions they do not pertain to my credit history at all like my identity is invalid. ( They do not have an explanation for that were sorry for that just call ) Also my disputes are about medical collection verification due to having insurance during some services and dates being wrong. Plus my report just says medical collection, balance owed. And thats it? No information at all. From 5 years ago but dated very recent. I asked XXXX XXXX XXXX the supervisor how they validated the debt and she literally said we dont have any form of proof to send you via mail I asked, how do you not have proof of something that I dispute? She said again sorry I dont have proof. So, I asked well then if you cant prove it then take it off my report. She said, we cant do that if the agency says its valid. How is this a fair practice? They can just say I owe the debt without submitting valid documents? So basically if you dispute something they just asked the agency if its valid and if they say yes, thats all they need? Im glad that isnt how the justice system works! In my opinion medical debt should be excluded from credit history. Its not a ( loan XXXX or XXXX credit ) at all.
Product: Student loan

Navient calls me over 10 times per day, before XXXX & after XXXX. They use approximately 5 different telephone numbers.
Product: Credit reporting or other personal consumer reports

Recently i did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below.

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so thats violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights XXXX violated again due to my lack of consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX INC. CONSUMER REPORT SERVICE, HAS TWO INQUIRIES ON MY EQUIFAX REPORT THAT I DID ( NOT ) '' AUTHORIZE, WHICH ARE : XXXX XXXX INQUIRY DATE XXXX XXXX, 2022. 
XXXX XXXX INQUIRY XXXX XXXX XXXX, 2022 THESE INQUIRIES ARE IN FACT FRAUDULENT. DUE TO ID THEFT.
Product: Mortgage

Repeatedly tried to resolve with Suntrust and based on what I am hearing from others, Suntrust does this frequently and should be investigated. They are refusing to even do a holdback for whatever work they think is needed, and are holding hostage all of the settlement money I received from the insurance company. Suntrust has NEVER sent over a list of what items they deemed needed to be fixed. I had their evaluator out who told me she was going to put the work done on the house at 80 % as they usually payout at 80 % -- -which is why she chose 80. I chose to have my roof replaced even though the repair had already been made months before when Suntrust sent the first person out to inspect ( who didn't see anything that needed to be fixed aside from the roof tiles being put back on that we took off for the repair ). I have since had it replaced, and were just waiting for tiles. Anything else is cosmetic and does not have to be repaired. Suntrust instead arbitrarily===just for my loan changed their 80 % to 90 % so they can hold on to all the money. A brand new roof does not cost {$57000.00} so there is zero justification for holding on to ALL of the funds in any logical framework. They can't justify holding back that much except as for RETALIATION for the complaints I have made -- -when their own adjustor said they pay out some funds at 80 %. This is retaliatory and not justified when my home is worth at least {$450000.00} and I owe them {$130000.00}. Please get them to justify holding back {$57000.00}!!! No roof costs that much for the size of my house. Again, they have never said what repairs they need made!
Product: Money transfer, virtual currency, or money service

I initiated a wire transfer in the gross amount of {$10000.00} ( {$9900.00} net after fees ) to my XXXX XXXX checking account on XXXX XXXX, XXXX. A domestic wire transfer should typically be completed same day or next business day. It is currently XXXX XXXX, XXXX and I have not received my wire nor a response from Coinbase. I have not been able to pay my rent as a result and am facing eviction charges. Furthermore, Ive been charged several overdraft fees from my bank, and I can not see a doctor for a XXXX XXXX that I have developed.
Product: Credit reporting, credit repair services, or other personal consumer reports

American Express ( bank ) inquiry XX/XX/2022 XXXX XXXX Bank XXXX finance ) inquiry XX/XX/2022 XXXX XXXX Retailer ) inquiry XX/XX/2022 XXXX XXXX inquiry XX/XX/2022 I dont recognize this inquiries. I didnt give authorization for this inquiries
Product: Debt collection

Beginning approximately XX/XX/XXXX, I began receiving telephone calls from a collection agency at my workplace as well as on my cell phone. No message were left, only missed calls. On this same day, I conducted a XXXX search on the collection agency using the telephone number from which the call came. I discovered that the collection agency was using a spoofed telephone number with the area code of the city where I current reside. However, the collection agency is located in XXXX, New York. 

1. I did not give this company permission to call my workplace repeatedly whether or not a message was left. 

2. As of XX/XX/XXXX, it is illegal for a collection agency to use a fake telephone number or " spoof '' telephone number to trick a consumer into answering their telephone. As such, the collection agency is in violation of both state and federal law. 

Additionally, the collection agency has called my work and cell numbers using several different spoofed numbers with the area code XXXX, which is my current area code.
Product: Credit reporting, credit repair services, or other personal consumer reports

Was notified through XXXX that a charge in the amount of {$7700.00} for an autoloan was reported and my score dropped XXXX. 

I contacted XXXX XXXX Consumer Reporting Department. 
They confirmed all payments are up to date and on time. The chargeoff reflects XXXX days past due payments. Which I have proof of timely made payments. 

XXXX XXXX said they will do some research and get back in contact.
Product: Consumer Loan

I purchased a lease vehicle from Toyota financial and they have been adding misc charge and said it was taxes in the sum of {$2000.00} dollars. My lease ended in XXXX and they said I could extend my lease for 6 months and the payment would be approx XXXX. I called to make a payment and I was told my payment is {$470.00} approx a month for a XXXX toyota corolla. I believe i refused to purchase a lease vehicle from the dealer and all of a sudden my expenses have gone up. I have no letter stating my monthly payment. even on the website the total for 2 months is XXXX yet the agent on the phone told me it was over a XXXX even though on the website on my account it says XXXX. Their numbers are not matching and I feel like i am being cheated. I have had terrible service with Toyota financial due to these issues.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/2023, XXXXXXXX XXXX  Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023 & XXXX XXXX  XXXX Date of Inquiry XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been speaking to Equifax for 2 weeks trying to get information out of my credit file that I did not apply for and it has a different social security number than mine. I have gotten 4 different reports all containing different information within the last week. Report   XXXX   even have the social security number that 's not mine but it pulled under my social security number. On  XX/XX/XXXX  report   XXXX    XX/XX/XXXX   XXXX   XX/XX/XXXX    XXXX    and  XX/XX/XXXX    XXXX   all different information. I sent in a copy of driver 's license and social security card but   XXXX   manager in consumers affairs department stated that the variation of the social security number and old inaccurate addresses will remain on my file. I need this resolved immediately.
Product: Credit reporting or other personal consumer reports

hello on XX/XX/2024 I received a notifications on my phone from XXXX XXXX saying hard inquiries was just reported on my XXXX and XXXX credit reports. 
XXXX reported XXXX INQUIRIES, XXXX WELLS FARGO BANK INQUIRIES AND XXXX XXXX  XXXX XXXX INQUIRIES ON XX/XX/2024. 
XXXX reported XXXX INQUIRIERS, XXXX XXXX XXXX AND XXXX ON XX/XX/2024 i did not apply for anything on XXXX.im in process of putting a freeze on my credit.
Product: Checking or savings account

Opened an account and received donations due to the fact that my mother passed away. Haven't been able to contact anyone and Ive been waiting for 5 weeks. Making a complaint to the Consumer Financial Protection Bureau and a complaint to the VA General Attorneys Office.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Acct # XXXX this company is still reporting inaccurate and incomplete information on my credit report. 

XXXX XXXX XXXX Acct XXXX XXXX this company is still reporting inaccurate and incomplete information on my credit report. 

XXXX XXXX Acct # XXXXXXX. this company is still reporting inaccurate and incomplete information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account DEPT OF EDUCATIONXXXX # XXXX, XXXX XXXX  XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX & Credit Bureau I sent out Validation letters to the three major credit Bearue for the last year. All I recevied back is the my accounts have been validated, so I called the lending institution which is XXXX XXXX  and asked them to validate the account ( last payment made ) by sending me the payment method ( credit card, check, bank paid from ) or anything that I purchased with that account. They are not able to validate the account so i'm writing this in the search for a correction on my credit report. 


Thank You.
Product: Mortgage

Around XX/XX/XXXX, I received a call XXXX XXXX from Quicken Loans to seeking my service to re-finance my home. Later on after consultations I realized the name has changed from Quicken loans to Rocket Mortgage. I was told they are the same company by XXXX. I asked if is a misrepresentation and she XXXX said no. 

During consultations and probing to get my business she made me aware that it will not cost me any money to refinance. In the middle of the processing before the someone to visit home appraisal, she told me that, I should put a deposit of {$500.00} down and it will credited to my closing cost. I specifically asked for the reason, because she had earlier told me it wont cost me any amount. Then she reiterate the {$500.00} dollars will be giving back to me in a form of check, after forcing or nudging me to complete a bunch of paperwork online signatures. 
The signature on the mortgage form attached was forged. I did not sign. they said it was attached to the 100th of forms the sent for online signature. Most of the forms signed was on line not on top of my name. 

Finally when I asked for me money back after the deal did not go through. They refused to refund me my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was contacted by XXXX that I had an individual mortgage with a past due amount. 
I disputed it knowing XXXX could not have documentation given that Ive ever owned that property. Even without documentation XXXX still backed XXXX claim against me. Previous to this my credit score through XXXX  was XXXX, and after dropped to the 500s.  XXXX never asked me for any money, instead they harassed me and ruined my credit. 
The documents that they had was a note I co-signed on XX/XX/XXXX. For the amount of {$97000.00}, with payments of {$1200.00}, at an interest rate of 13.03 % for the term of 179 months which ended XX/XX/XXXX. 
There is a new contract under just XXXX XXXX, who is the only signer, I am no longer a co-signer, my name was completely removed on XX/XX/XXXX. I was never notified of the new contract until XXXX. 
On XX/XX/XXXX the sole signer ( not me ) took out a 2nd mortgage in the amount of {$4300.00} making the total loan amount {$92000.00}. Both the payment and interest rate changed and the duration of the new loan note went to 27 years. This was not a modification but a whole new contract with just XXXX XXXX as the only signer. 
On XX/XX/XXXX XXXX transferred the loan to Bayview XXXX. I again disputed it but to no avail. I never received any documentation from Bayview XXXX regarding any loan. They did admit during a phone conversation that some of the documents they had were unsigned by me. 
On XX/XX/XXXX I got help from the XXXX XXXX XXXX XXXX XXXX Nevada who were finally able to obtain the documents XXXX XXXX had. In a correspondence with The XXXX XXXX XXXX they stated I had a sound legal basis for dispute. 
On XX/XX/XXXX The legal aid accomplished all they could for me given their resources and suggested I contact Consumer Financial Protection Bureau. 
This situation has affected my credit score and livelihood. I will be XXXX years old in XXXX, living on a set income from Social Security of {$1100.00} per month. As a result of my now lowered credit score I can not get approved for new low-income housing, which is needed because my rent has gone up. I was unable to get a good rate on my car loan, and even my car insurance has increased because of the low credit score. Most recently on XX/XX/XXXX I received an email thaXXXX XXXX  XXXX XXXX closed my credit card through them in which the account was at a XXXX balance and I'd never sent a late payment. 

I have almost 30 pages of documents to use to make my case. 

I have been fighting this for three years, and am hoping you are able to help. 
Thank you,
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 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 card or prepaid card

On or about  XXXX / XXXX / 17 , I applied for a card and was approved for a secured card. I subsequen tly 20 minut es later I called to cancel the card and void authorization to withdraw any funds from my account. I was told that it was done. On  XXXX / XXXX / 2017  Bank of America withdrew {$300.00} out of my checking account without authorization and have not produced a card or any documentation for the reason and have not refunded my money. Once again this institution has perpetrated a crime as far as I am concerned and has not answered for it. This makes a total of {$420.00} dollars taken without explanation, written or otherwise, but I require written.