23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XXXX XXXX XXXX card serviced by Synchrony Bank. Account number XXXX. 

Synchrony Bank has discriminated against me and XXXX pursuing all avenues I can to solve my dispute prior to suing them. 

I recent requested my SCRA/MLA benefits after being denied once already. I filed a complaint against them and they reviewed it and updated my account to reflect a 0 % interest rate. Prior to that they had changed the interest on my account three times, from 26 % to 30 % and then to 34 % because of laws passed that changed the amount they could charge for late payments. This was an attempt for them to adjust their projected earnings.

Now to the present, they adjusted my account after I filed a complaint. When I got the letter stating the adjustment I noticed they had also lowered my amount owed because I wasnt supposed to be paying interest originally but then they also lowered my credit limit. I looked back at my past bills and noticed that they had been gradually lowering my credit limit throughout the life of the card even though I have made ALL of my payments. Im not the type to claim racism ever because but I know this isnt legal because they have manipulated my credit limit to keep me at 96 % credit card utilization for months. This has negatively impacted my credit this making me unable to continue improving my score. This is negligence and discrimination at its finest. I called and filed a complaint under my account and was told to file a complaint with the credit bureau to resolve this issue due to the severity of it. This is class action lawsuit worthy! They already have so many lawsuits against them from military members for similar issues. This company needs to be shut down! 

My credit limit was above XXXX and now its at XXXX and all Ive done is pay all my bills as required as a good consumer. This is credit score manipulation.
Product: Credit card or prepaid card

XX/XX/2021 XXXXXXXX XXXX  in accordance with the law fair credit reporting act your company has violated my right 15 usc 1681 stated. i have the rigth 15 usc 1681 section 604 A it also stated a consumer reporting agency without my permission
Product: Credit reporting or other personal consumer reports

My accounts with XXXXXXXX XXXX XXXX and XXXX XXXX XXXX were never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXXXXXX XXXX XXXX and XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Mortgage

After receiving the final Closing Disclosure on the day of closing, I noticed that I was charged twice for the Upfront XXXX ( it was financed with the price of my loan and added onto my closing costs ). I contacted the lending agent and he said my closing agent will explain to me how I 'm not being charged twice. So I contacted the closing agent and explained the issue and he said my lending agent would need to address the issue. Then I call the lending agent back and he threatened that I could close that day if I wanted this corrected. I was purchasing a home XXXX miles away from where I lived. I had taken time off work, secured movers and had all my stuff in the moving truck. If I did not close that Friday ( XXXX/XXXX/2016 - the week before XXXX ), it would have cost me more than the {$2300.00} upfront XXXX fee, to reschedule the close so I signed the documents. Needless to say I have been very upset about this ever since that day. To see on paper that I was being cheated but no way to get the issue resolved fairly and get the move done successfully.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have obtained my credit report from XXXX XXXX XXXX and noticed there a several hard inquires that I have never authorized. I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to Transunion, it is their responsibility to investigate my claims, and when they can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. 

It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file. 
Here are these hard inquires : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX - XX/XX/XXXX
Product: Credit card

On XXXX occasions within the last XXXX months, my credit card company reduced by credit limit by the amount in which I paid down my credit card balance, causing me to continuously have a high ratio and negatively affecting my credit score. For example, with a balance of {$700.00} I paid {$100.00} and my credit limit was reduced to {$600.00}. Recently, I paid my balance down to {$390.00} and my credit limit was reduced to {$400.00}.
Product: Credit reporting

XXXX XXXX responded Equifax said : Explanation of closure Equifax has reviewed the complaint and its records. Please send the requested document such as, driver 's license/state ID card or utility bill showing the current address information to Equifax Office of Consumer & Agency Assistance, XXXX. XXXX XXXX XXXX, XXXX XXXX or fax the documents to ( XXXX XXXX XXXX to have the Fraud Alert removed from your file. You may also contact us directly at ( XXXX ) XXXX to speak with an Equifax representative regarding additional concerns or questions. Written confirmation was mailed on XXXX/XXXX/XXXX. 


Dispute Response Equifax has reviewed the complaint and its records. Equifax did not receive any additional communications from the consumer during the review of the complaint. No follow up actions are required in further response to the complaint. 


What happened Product Credit reporting Issue Credit reporting company 's investigation : Problem with statement of dispute Have you disputed the issue with the credit reporting company and received a final response? Yes No Describe what happened so we can understand the issue ... 
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX Remove fraud alert from my credit profile. 


XXXX to publish the description of what happened? Consent provided Supporting documents PDF document XXXX Product information Information about the credit reporting company Equifax XXXX XXXX XXXX XXXX XXXX XXXX United States Social Security number XXXX Date of birth XXXX/XXXX/XXXX Desired resolution What do you think would be a fair resolution to your issue? 
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX Remove fraud alert from my credit profile Consumer information Contact information Mailing address XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX United States XXXX XXXXXXXXXXXX Phone XXXX
Product: Credit reporting or other personal consumer reports

To whom this may concern, I have attempted to sent letters XXXX XXXX several times about inquires on my credit report that I did not do. I have also called and did what was requested by them several times. They told me there is nothing they can do about it and to reach out to the companies that have appeared on my credit report. I also explained to them that my wallet was stolen and that I have had several fraudulent credit cards and inquiries on my report but still nothing was done. Therefore, I have no choice to reach out to get this matter resolved. I am asking to have them remove as there impacting my credit profile.
Product: Mortgage

In XX/XX/XXXX, I sent a copayment check after I endorsed it to my mortgage company because the check was sent from my property insurance company for a property damage claim. My mortgage company was supposed to endorse it and return it to me so that I could repair my bathroom. But they did not. Instead, they asked me to submit materials cost and XXXX information. Then, they sent a small amount that was not enough for me to buy materials and made down payment to the XXXX so that he could get to start working on my bathroom. The XXXX quit. They told me to find someone else. I did not hear from them again until XXXX XXXX. They asked me to send materials cost and XXXX information again. Materials cost and XXXX cost were higher by now. Again, they did not send me enough money to pay for materials and XXXX down payment. So I was not able to repair my bathroom. 
I was not able to renew my property insurance due to open repairs. As the result, my mortgage company acquired " Lender Placed '' insurance that was much higher. This caused for my monthly mortgage to be higher so I fell behind on my mortgage payments. They then advised to file for assistance. I did. They replied by telling me I was not qualified for assistance because I did not have property insurance. 
Now, I have recently received a notice from their foreclosure attorney telling me that they were going to foreclose my property. 
PLEASE HELP! 
Thank you.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I received a wire request from what appeared to be my real estate attorney 's office for funds due on a closing. It was fraudulent. Once I realized what had happened about 48 hours later I went straight into my local Wells Fargo branch office and explained what had happened, showed the girl all the paper work even showing what bank account to which the money went. They launched an 'investigation ' but have offered no updates and when I call about every two weeks to check on it I just get told that it is still under investigation and no guarantee I will get my money back. This was over {$6000.00} that I lost. My bank is doing NOTHING to help resolve this.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Protection Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX Debt Bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002. 142 ( b ) ( 4 ) -5 -- 1002. 142 ( b ) ( 7 ). I kindly request that you delete this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed information be blocked and deleted. Please delete the following information : XXXX. XXXX XXXX XXXX. XXXX XXXX Inquiry Date : XX/XX/year> XXXX. XXXX Inquiry Date : XX/XX/year> XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, DE, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, DE, XXXX
Product: Mortgage

I have my Mortgage with Dovenmuehle. 

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX CA XXXX I requested to have my PMI cancelled on XX/XX/XXXX according to the Homeowners Protection Act. They sent me a letter on XX/XX/XXXX about my request. My original Loan amount was for {$240000.00} in XX/XX/XXXX. It is a seasoned Loan. I have not missed a Payment and I now owe {$130000.00}. I am now at 53 % LTV ratio.  According to the Homeowners Protection Act, they are legally required to remove the PMI. They are also required to send me a letter every year updating me when It will be removed, they never sent me such documents. 

According to their letter, I must buy an appraisal from them, and only them. They stated that if the appraisal shows that the house is worth the same amount as the original appraisal of {$250000.00} then they might consider canceling the PMI. 

I called them back and told them that the Homeowners Protection Act does not state that I am required to get an appraisal to remove it since I am well below the 78 % LTV. They stated that my Loan was a Fannie Mae, Which it is not, and that they require it not them. 

I feel like they are giving me the run around about removing the PMI. 

Please help me, I have a well seasoned Loan, I am at 53 % LTV ratio, I have a conventional Loan. I am up to date with my payments. They need to Cancel the PMI from my Loan. 

XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Reporting Agencies have became XXXX and negligent of the Fair Credit Reporting Act and have been claiming that the information the Credit Bureaus report are accurate and verified by the creditors. Well, I have had enough of their fallacy and I am taking advise from my legal counsel and we are ready anytime to file a lawsuit against the Credit Reporting Agencies. The Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. I am requesting these information to be reviewed for completeness and accuracy and appropriateness. I have not received any response from the Credit Bureaus and they have been continuing to report the disputed accounts as accurate. Once again, I am ordering the Credit reporting agencies to remove the following accounts completely from my Credit File : XXXX XXXX XXXX Date Opened : XX/XX/2008 Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

XXXX I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and XXXX financial loss, and I seek appropriate redress ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 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.

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

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX XXXXXXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello! I had an old account with XXXX XXXX XXXX ( the original creditor is XXXX XXXX XXXX XXXX XXXX appearing on my credit reports erroenously for more than three years. The collection agency requested this account be removed with all three major credit bureaus effective XX/XX/2020 however it still appears on my credit profile.The account number is XXXX. I have attached a letter from the collection agency confirming the account is paid, and that it should be deleted from my profile. Let me know if you need additional information. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian membership services User name : XXXX Password : XXXX XXXX When I signed up for services in XXXX I was granting a charge for {$1.00} to access credit report.i was unaware I was being enrolled in a monthly subscription for {$26.00} this amount was billed to my account the first week of XXXX and the last week of XXXX then again last week of XXXX I have cancelled the services as of XX/XX/XXXX upon discovering charges but am unable to receive a refund. I never authorized a monthly subscription only the {$1.00} charge. Id like to have the XXXX months worth of billing refunded back to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has been reporting inaccurate information repeatedly on all three of my credit reports, I have disputed this information monthly since XX/XX/XXXX and this information is still being reported incorrectly. I called to have the vehicle surrendered in XX/XX/XXXX the car was picked up in XX/XX/XXXXI did not make any payments on this car after XX/XX/XXXX The car was sold at auction for {$6800.00} and the deficiency balance is showing as the balance before the sale which is over {$14000.00}. This is incorrect and I have disputed this amount to be corrected for 4 years with no resolution. I have documents that show all the payments I remitted to them and what should be the amount reported. They have reported not only the incorrect amount but they have reported the car as repossession and this should be reported as voluntary Surrender.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 and XX/XX/2022 Consumer Reporting Agency Equifax were given written instructions to delete the adverse, inaccurate and unverifiable item of information listed on the consumer report it furnished, an CHARGE OFF account titled XXXX XXXX XXXX  XXXX XXXX, XXXX. Equifax is in violation of 15 USC 1681c ( a ) 4 and and15 USC 1681c ( a ) 5 of the Fair Credit Reporting Act.