23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I had an American Express Prepaid REDcard. This card can be funded online using a checking account or a debit card, as well as in XXXX using Cash or debit cards. In XXXX XXXX, I was trying to add funds through American Express Prepaid REDcard website from my XXXX XXXX checking account ( ending in XXXX ), but I received an error message asking me to call American Express Prepaid XXXX Account Protection. I called the number and was informed that my Prepaid REDcard account was closed. I was first vaguely told it was because of violating Prepaid XXXX Member Agreement, and when I asked for further clarification I was told it was related to ACH activities and I should expect an email with further information. No other information was given to me over the phone and I was told that a supervisor or manager is not available. So I hung up, and while being surprised, waited for the promised email. Email showed up promptly and all the explanations it had was that my account was closed because activities were noticed that were in violation of sections XXXX and XXXX of Prepaid REDcard Member Agreement. I carefully read those sections of the agreement and could comprehend how activities on my account have been in violation of those terms. So I called Account Protection line again and this time after insisting that I need to talk to a supervisor, I was finally connected to a supervisor. He first told me the account was closed because they could n't verify my checking account information. I told him there is nothing with the checking account that can not be verified. It is a personal account solely in my name, it is already completely verified in American Express Prepaid XXXX website and I have been using this checking account without a problem, and they could have contacted me if they needed any type of further information. He told me about the emails they sent me asking further information, and I told they never sent me such an email about this issue. Looking on history of the account, the supervisor could n't find any track of an email that was sent to me regarding this issue, nor could he tell me what part of the information might have been needed for verification. Then he changed the story and told me that account activities were in violation of Prepaid REDcard Member Agreement. But when I asked him about which activities were in violation of Prepaid REDcard Member Agreement, after putting me on XXXX long holds he could n't come up with an answer and just told me some account activities were in violation of Prepaid XXXX Member Agreement, and advised me to go to Police if I need further information and initiate the process of asking for further information from there! 
So my American Express Prepaid XXXX account was closed for no clear reason, without any prior warning, without asking me for any information ( if they needed something ) and all I was doing with this account was completely within Prepaid REDcard Member Agreement. 
I have enclosed XXXX PDF files containing the Prepaid XXXX Member Agreement AND a copy of most recent bank statement for my checking account at XXXX Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I co signed for my wife 's vehicle that we purchased in XX/XX/XXXX. It was a a XXXX XXXX XXXX. We purchased it for a total cost of XXXX and we put XXXX down. Our payments were still 300+ a month which was out of our budget. We tried returning the vechile the following week we purchased and were denied. The dealership stated that the finance company ( XXXX XXXX ) would not let us out of our loan agreement. We struggled for 3 months to make the payment before they repossessed the vehicle in XX/XX/XXXX. They then notified that we were still expected to make the monthly payment even after they notified us that the car was sold at auction for XXXX . Which is more than the original purchase price. As of today we owe approximately 14,000 and they are still reporting that were missing monthly payments even though the account had been charged off. We notified them by certified letter asking they stop with no response, disputed the account with all 3 credit burrows to no avail. Ease any help would be gr ees early appreciated. The fiancee company is quality acceptance based out of XXXX XXXX California
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX This was placed on my credit reports recently. This account was already removed from my credit reports. It looks as if it was sold and then relisted This account does not belong to me.
Product: Credit reporting or other personal consumer reports

I have already disputed these accounts in question XXXX. XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX XXXX. XXXX, XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX XXXX  Account # XXXX with the 3 credit agencies Experian XXXX and XXXX and the furnisher of the information on XX/XX/2023 the credit agencies responded back to me claiming that they have investigated the matter with the reported companies and found that all information is accurate and verified. 
I have included a copy of my most recent credit report showing all the inaccuracies listed on my report. 
it is the credit agency duty to remove accounts they are unable to verify but they knowingly left the incorrect information on my report and that it self is a violation
Product: Debt collection

After viewing a copy of my credit report, I noticed a collection account placed on my credit report from A R Resources o n  XXXX   XXXX ,   XXXX  . I am requesting that you let me validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name, and hospital/medical provider to which I owe the debt, and a detailed breakdown of the fees that I allegedly owe. Additionally, I am allowed under the Health Insurance Portability and Accountability  Act { HIPAA }, to p rotect my privacy and medical records from third parties. I did not give my permission to any of my current or prior medical providers to release my medical information to a third party.   I am aware that the   HIPAA does allow the release of limited information about me but anything more is only to be revealed with patient authorization. Therefor, my request is twofold-validation of debt and HIPAA authorization.
Please provide breakdown of fees includ  ing any collection costs and medical charges. Provide a copy of my identification used upon service and my signature with the provider of service to release my information to your company  AR Resources Cease any Credit Burea u reporting until this debt has been validated by me.
Product: Credit reporting or other personal consumer reports

Incorrect information always reported. Information does not match with other bureaus, always wrong. Old information Experian website states updates in 88 days?
Product: Credit card

XXXX XXXX XXXX XXXXXXXX, Synchrony Bank claims that they have " erroneously applied '' a payment of {$3000.00} ( XX/XX/year> letter from their Customer Service Department ) to my account ... XXXX and therefore they have charged that account {$3000.00}. It should be noted that I have XXXX XXXX XXXX XXXXXXXX, Synchrony Bank 's ... XXXX credit card statements that disprove their " erroneously applied '' claim. I have worked for 10 months, trying to resolve this issue -- to no avail. I have communicated with 20+ company representatives, sent 3 FAXES that provided documentation, and filed 2 complaints with CFPB ( consumerfinance.gov ).
Product: Debt collection

Dear ( Debt Collector ) PHOENIX RECOVERY GROUP I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors. I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name # XXXX XXXX XXXXXXXX Account number # XXXX Account type # Collection Responsibility # Individual Date opened # XX/XX/XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # 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. 

Account name # XXXX XXXX Account number # XXXX Account type # Rental Responsibility # Individual Date opened # XX/XX/XXXX In accordance with the Fair Credit Reporting act XXXX XXXX  Account # 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. 

Account name # XXXX Account number # XXXX Account type # Charge Card Responsibility # Individual Date opened # XX/XX/XXXX In accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX XXXX XXXX XXXX IA XXXX un authorized hard inquiry on my report. Regional Acceptance XXXX XXXX XXXX XXXX XXXX XXXX NC XXXXUN Authorized hard inquiry on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX CA XXXX. UN Authorized hard inquiryon XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ks, XXXX. UN Authorized Hard inquiry on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon analyzing my most recent credit reports, I discovered that my personal credit file had been given inaccurate information. Experian, XXXX, and XXXX have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i and 605b, and have continued to report unverified information without providing the documentation needed by law. The 3 Credit Bureaus have failed to properly identify and present any verifiable proof within the required time frame permitted by law. The information below is false, and I never gave permission for my credit to be accessed. They have neither removed these inquiries from my credit report or given me a written authorization. I'd like the following inquiries to be stopped : XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX NA., XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

Kindly remove all hard inquiries that I did not approve, as they violate 15 USC 16c-2 and affect my credit.
Product: Credit card

Explanation of My Complaint : Recently, XXXX has begun drastically reducing credit limits for many cardholders, including myself, with little to no explanation or prior notice. On XX/XX/year>, I discovered that my XXXX credit limit had been slashed from {$32000.00} to {$5000.00} without any warning. I was not notified in advance, and the only communication I received was a vague email dated XX/XX/year>, citing a " periodic review '' as the reason for the reduction. 
This reduction had an immediate and detrimental impact : My credit utilization spiked from under 10 % to over 50 %, harming my credit score despite my responsible usage and perfect payment history. 
The change disrupted my ability to manage routine expenses, as my card was unexpectedly declined for a grocery order, stranding my family mid-transaction. 
Why This Is Unfair : Lack of Notice : I was not given advance warning or a clear opportunity to address any perceived risk factors. 
Arbitrary and Unexplained : The reasons provided, such as " periodic review, '' lack transparency and do not align with my financial behavior or payment history. 
Severe Financial Harm : The abrupt reduction caused unnecessary stress, credit score damage, and disruptions to essential transactions, like groceries or subscriptions. 
Desired Resolution : A complete investigation into XXXX practices, including their lack of transparency and failure to notify customers adequately. 
Restitution for affected customers, such as reinstatement of previous credit limits or compensation for credit score damage. 
Improved communication policies to ensure that customers are warned and given a chance to address concerns before such drastic actions are taken. 
This situation undermines trust in credit card issuers and highlights the need for accountability when companies make sweeping changes that harm their customers. Thank you for your attention to this matter.
Product: Mortgage

My husband and I have a Home Equity Loan with PNCBank.

The interest rate is a FIXED Rate at 2.89 %. I went online yesterday to our account.

After doing some online bill paying, I opened up our Home Equity Loan account.

I clicked on the tab : Payment Details to see the amounts we paid in interest for the year XXXX for our taxes. I noticed something really strange. The amounts that we paid in interest and the amounts that we paid in principle didn't seem right. They were going up and down up and down. That shouldn't be with a fixed rate. I contacted PNC Bank to find out why this was happening. I spoke with 8 different people. They kept transferring me to someone else. Something is going on and it's NOT right. Please help us. I have printed out the proof dating back to XX/XX/XXXX up to XX/XX/XXXX. Maybe you'll be able to get to the bottom of this. We are not able to. 
Thank you for your time. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contact the companies & credit reporting agency, Equifax to remove the fraudulent hard inquiries from my credit report on XX/XX/XXXX. I have yet to see any changes made to my credit report as in today. I have reached out many times but yet no changes have been made.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act STATE DEPARTMENT FEDERAL account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX account # XXXX and XXXX XXXX XXXX account # xxxxxx XXXX have 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 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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : 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: Checking or savings account

I have issues with using XXXX  and want to make a complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 - XXXX wrote TRANSUNION over a year ago requesting that old or inaccurate personal information be removed from my credit report ; however, TRANSUNION has refused to remove the old or inaccurate information. In addition, I have one negative account which is over 8 years old ; however, TRANSUNION has refused to removed the information from my report. I want them to only display my current name and information and DELETE all other information. Also TRANSUNION consistently reports my credit score about XXXX points lower than XXXX and XXXX. Please ask them to update the information on my credit report. Thank you very much. I appreciate your assistance with this matter.
Product: Checking or savings account

TD BANK A/C XXXX XXXX COMPLAINT ABOUT TD BANK ACCOUNT 1 ) I HAD RECOLLECTION OF FINDING A SHORT OF ABOUT {$2700.00} ON XX/XX/XXXX XXXX ) I HAD A RECOLLECTION OF ONE TIME HAVING ABOUT {$1500.00} IN XX/XX/XXXX I AM TOLD I HAVE ONLY {$300.00} SO I HAD TO TRANSFER SOME MONEY TO TO CHECKING 3 ) I HAD A CASHERS CHECK RETURN TO MY ACCOUNT AMOUNTING TO {$15000.00} SO WHEN I CHECKED THE BALANCE I HAVE TOTAL BALANCE SAVING AND CHECKING I FOUND OUT SHORT ABOUT {$4000.00} XX/XX/XXXX 4 ) SOME DAY BACK I WAS PUZZLED TOP SEE A SHORT OF {$900.00} 5 ) THE BANK IS NOT WILLING TO SEND ME A ONE YEAR BANK STATEMENT, TO YOUR SURPRISE I GOT A STATEMENT FOR THREE MONTH AND FOUND OUT THERE WAS A SHORTAGE OF ABOUT {$500.00} VERY RECENTLY, AROUND XXXX XX/XX/XXXX TO XX/XX/XXXX XXXX THIS PROVES THE BOOK HAS BEEN COMPROMISED FOR A WHILE AND SOME OF IMPORTANT INFO i HAVE SAVED ON MY DRIVE WAS HACKED AND HAS BEEN COMPROMISED. 
PLEASE CAREFULLY REVIEW MY ACCOUNTS WITH TD BANK, WHICH SHOWS OVER {$11000.00} AND XXXX XXXX SHOWS SHORT OF {$23000.00} IF CAREFULLY RESEARCHED VIA BANK EXPERT STAFF AND TOOLS I BELIEVE THE BALANCE I STOLEN IS WAY MORE THAN STATED HERE SO I KINDLY REQUEST THE COMMISSION TO GET THE BANK TO REFUND BACK MY BALANCE AS SOON AS POSSIBLE AND ALSO REFER TO CIVIL SUIT LAW FIRMS AND LEGAL AID WHO MAY CHALLENGE THOSE BANKS TO REFUND ME THE MONEY FRAUD FROM MY CHECKING AND SAVING ACCOUNT. 
THANKS XXXX XXXX
Product: Student loan

This company has constantly incorrectly applied my payments to the wrong accounts. They have mis communicated their programs, interest rates, and have taken payments without authorization. 

Lastly, I applied a additional payment to my loans to try to pay off my loans quicker because Navient has increased Rates and have not allowed any loan options.

Instead of applying those payments to my loans and principle, they incorrectly put me in a forbearance program. These issues have been ongoing both with their Federal and Private department and have added thousands of dollars in interest and many of my hours to sort this out with their incompetent departments. This errors are unacceptable and Navient seems to do as they like without any consent from me what so ever.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX open on XX/XX/XXXX  XXXX & And XXXX  XXXX XXXX XXXX XXXX. XXXX . Open on XX/XX/19 With the corona crisis I cant support my family with this negative info on my credit report
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX XXXX XXXX XXXX Unauthorized Inquiry XXXX XXXX  - Unauthorized Inquiry 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: Mortgage

Applied with Bank of America for the reduced loan rate. Application was denied as paying on time. House or property is in Florida and mortgage owed on it is more than it is worth ( low loan to value ratio ). XXXX XXXX XXXX XXXX and house valued is in low XXXX. What are my options? Is the bank allowed to deny my request for a lower interest rate? Currently have a 6.75 % rate. Would like a lower rate from the bank. Is that possible?
Product: Debt collection

As of XX/XX/2022, I received a notification on my credit report from Debt Recovery Solutions in the amount of {$3800.00} in which I do not owe. Nor was I ever sent any specific written documentation or contacted verifying this debt. It caused my credit score to drop XXXX points and the case was opened on XX/XX/2022 via XXXX. I would like to have this error removed from my account. I will be sending them a written dispute letter certified mail and also to the credit reporting agencies.
Product: Credit reporting or other personal consumer reports

Recently I checked my credit report and notice some inaccurate Accounts Reporting