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

Comenity Capital Bank continues to lower my credit limit on my XXXX XXXX XXXX credit card. Every time I get my balance paid down by {$50.00} they lower the limit by that much. The letter they send states that it is due to my credit, however, my credit is better than when I opened the account, on the attached documents see from one letter dated XX/XX/2022 to the next dated XX/XX/2022 my score increased yet the letter states the limit decrease is due to a credit score decrease, this is not logical. I also have not given them authorization to run my credit again, so if they are actually running it to get this information this is an illegal practice. This lowering of my credit limit makes me have a maxed out card on my report which other creditors look down on when evaluating for new credit lines.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
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 XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Subject : Formal Request for Immediate Deletion of Reinserted Account XXXX XXXX  Account Number : XXXX Dear Sir/Madam, I am writing to formally request the immediate deletion of an account that has been improperly reinserted into my credit report. The account in question is XXXX XXXX # XXXX, which was previously deleted from my report following a successful dispute. Its reinsertion violates my rights under the Fair Credit Reporting Act ( FCRA ) because the required legal procedures were not followed. Under FCRA Section 611 ( b ) ( 5 ) ( B ), if a previously deleted account is reinserted into a credit report, the credit reporting agency is required to : 1. Notify me in writing within five business days of the reinsertion. 2. Provide verifiable documentation from the information provider that supports the reinsertion of the account. As of now, I have not received any written notice or supporting documentation regarding this reinsertion, which constitutes a direct violation of my rights under the FCRA. Additionally, under FCRA Section 623, information furnishers are required to : Ensure that all information they report is accurate and complete. Correct and update any inaccurate or incomplete information they provide to credit reporting agencies. Furthermore, FCRA Section 604 mandates that any information included in my report must meet specific criteria for validity and relevance. In this case, the account does not comply with these requirements, as it was not validated prior to its reinsertion. I am formally requesting the following : 1. The immediate and permanent removal of the XXXX XXXX Account XXXX : XXXX account from my credit report. 2. A written explanation of how and why this account was reinserted, including verifiable evidence provided by the creditor, if applicable. 3. Assurance that steps will be taken to prevent any further improper reinsertions. I expect a prompt response and resolution to this matter within 30 calendar days, as required by law. Please confirm receipt of this letter in writing.
Product: Checking or savings account

On XX/XX/2018, I received a letter from XXXX XXXX XXXX  stating I was the winner of the {>= $1,000,000} grand prize. I called the number on the letter and they asked me how I wanted to collect my winnings. If I wanted it to be kept quiet, without a lot of fanfare, I would have to give them a cashiers check to cover taxes before I could collect the money. They said they would deposit the money into my account and deduct from my winnings and I could take my cashiers check to the bank they indicated. They also told me I would have to get a debit card for the account, which I did and provided that information to them They told me I would have to keep everything very quiet and to not tell anyone that I had won. They then proceeded to collect my personal information from me, they said, to prove I was the correct person. I was a little worried, but when I went to the bank to get the cashiers check, I had them check my balance and it was up by the {$2800.00} amount they said they would deposit for me. I then believed everything was legitimate because they had put the money in as promised. So I took my check and drove to the next town where there was a XXXX XXXX XXXX bank and deposited that check as directed. I was in the process of having to pay the second larger amount for taxes, when I let some of my family know that I had won. They immediately became concerned this was a scam and had me call my bank. My bank confirmed it was a scam and that the {$2800.00} had actually been transferred out of my money market account. Luckily, they were able to stop payment on the larger check that I was getting ready to pay them for taxes. My complaint is that the bank should have verified with me before transferring money from my money market account to my checking, none of which I authorized. I never use on-line banking and have been a customer for many years. I never had a debit card prior to this situation, due to the different account activity, that was very different from my usual activity, I feel they should have contacted me to verify it was legitimate. I am asking to have the {$2800.00} reimbursed to me, as it was taken out fraudulently and without my consent. I unknowingly gave them the information they needed to access my information on-line. I did contact the bank and filed a claim, which was denied, so I am now reaching out to you to see if you can help me resolve this issue. I have also filed a complaint and provided all of the information to the local police department.
Product: Credit reporting or other personal consumer reports

*Company name AMERICAN CREDIT ACCEPTANCE did a soft pull on my credit report on XXXX I did not initiate any transaction or relationship with AMERICAN CREDIT ACCEPTANCE that would give them lawful access to my credit report. Under the FCRA, companies may only access credit reports for specific purposes, such as when a consumer applies for credit, or when there is a legitimate business need initiated by the consumer. This unauthorized soft inquiry, while not directly affecting my credit score, is an unlawful invasion of my privacy and an infringement on my rights as a consumer under federal law. 
This unauthorized inquiry poses a risk to my personal and financial security, as it involved access to sensitive information. AMERICAN CREDIT ACCEPTANCE willful violation of the FCRA reflects negligence and disregard for consumer rights. Under the FCRA, I am entitled to statutory damages for this violation, even if no direct financial harm occurred, as the law prioritizes consumer privacy and security. 

Relevant Laws : 15 U.S.C. 1681b ( FCRA ) : Limits access to a consumer 's credit report to specific, permissible purposes. 
15 U.S.C. 1681n : Entitles consumers to statutory damages of up to {$1000.00} for willful non-compliance with the FCRA, even if no actual damage occurs.
Product: Checking or savings account

EAST WEST BANK held my reminding balance and said need to verify the legitimacy of the transaction with three of my original payers. 
But until now, only one of my payers from XXXX got the contact from EAST WEST bank and had replied as requested already. The rest two, one in XXXX, one in XXXX, never got any contact from XXXX XXXX. I contact XXXX  BANK to follow up. But they never reply and never provide a clear date range that when they will finish the so-called 'verification '. Now seems like far away and not within the foreseeable future. It's super unfair.
Product: Debt collection

I filed for chapter XXXX bankruptcy. It started XXXX. I was discharged on XXXX. XXXX XXXX purchased XXXX sometime after that. When I do not know. XXXX  XXXX received a debt which my lawyer missed on my credit report. XXXX XXXX sold it to Portfolio Recovery. Portfolio has called my job everyday for 4 years seeking payment. When I told them my XXXX debts were absolved in bankruptcy they said no they weren't. I filed a zero assest, total liquidation Chapter XXXX bankruptcy. I filled for XXXX dollars in debt to cover all of my debts even ones possibly missed. This debt was an XXXX XXXX card managed by XXXX. XXXX XXXX has acknowledged this is an account received from XXXX. XXXX XXXX has acknowledged this to me in phone calls. This debt falls under the no harm no foul rule. I have paid with ten years of my life. When I disputed the debt it reset the clock on how long it can remain there. This is also unfair. I am not legally bound to this debt anymore. I should not have to pay a debt from over ten years ago that was discharged. This is a violation of my Chapter XXXX rights. My lawyer has since passed away and closed his office. I am considering suing Portfolio Recovery and XXXX XXXX. The sale of this account and its subsequent collection is ilegal.
Product: Credit reporting or other personal consumer reports

I have attached a dispute for inquiries on my report that are not recognized by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Equifax Credit Bureau 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 bureau, as willful negligence and non-compliance with federal statutes. Please DELETE the account in my Credit Report : Original creditor : XXXX
Product: Credit reporting or other personal consumer reports

This morning, I found an unauthorized inquiry on my credit report, and I have no idea why it's there. I routinely check my report, but this time, I was shocked to see unexpected discrepancies. I even refreshed my browser, thinking it might be a glitch, but the issue persisted. This situation is extremely frustrating, and I need this matter resolved immediately. Please review the documents I have provided so I can stop worrying about this.
Product: Debt collection

Source Receivables failed to validate a debt at my request, which is a FDCPA violation and continued to report a disputed debt to the Credit Bureaus : another FCRA violation. 
Not only have they ignored my prior requests for validation of debt but they continue to report this debt to the credit bureaus causing damage to my character. 
As you may be aware, " Estoppel by Silence '' legally means that they had a duty to speak but failed to do so therefore, that must mean they agree with me that this debt is false
Product: Credit reporting or other personal consumer reports

XXXX, Equifax, or XXXX did not follow the directions of my complaint. I did NOT ask for another investigation. AGAIN, this is NOT a dispute. Since you provided the results of an investigation, and I am within 15 days of receiving the results, I am now asking you to provide the method of verification under section 611 ( a ) ( 6 ) ( B ) ( iii ), which states the consumer reporting agency is obligated to give me with the name of the person or entity contacted for verification and a description of how the information was verified. 

With that said, regarding the item listed " XXXX XXXX XXXX XXXX '' I want to know the name of the person or entity you contacted for verification, describe how the information was verified, the address of the person or entity you verified the information with, and I want to know did you forward all relevant information, including my original letter and exhibits? XXXX claims the data furnisher verified the account, while listing XXXX XXXX XXXXXXXX XXXX  as the data furnisher, but XXXX XXXX XXXX XXXX sent a letter stating the court does NOT communicate and verify anything with the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel like im being taken advantage of and being ignored of my disputes Section 611 ( a ) it is plainly stated that a failure to investigate this item within 30 days gives a reason to immediately remove those item from my credit report so they should be deleted promptly. i demand this account be deleted immediately or i will file litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the the hands of the wrong person.
Product: Student loan

I'm a co-signer for my daughter XXXX XXXX we got on a three way call and they set up a payment plan of around XXXX foe a hardship. They said in three months the payment will come out automatically. Three months later no payment came put XXXX her account. I called Sallie Mae to find out why and got treated like XXXX. I asked her to please go back and listen to our phine call and to just set XXXX up on the payment plan and let 's move forward. She said I had to pay a crazy amount or your going to another department. The best day I git a call saying it was in I think retention and there qas nothing they could do unless we paid the balance. We asked for a hardship was told it was approved we called to find out why the payment did not post and get no help. A willing consumer willing to work out a payment and they do this. They keep calling me to refer me to retention and I work all day and do not have 2 hours to get put on hold. I asked the representative if they could have that department call be baklck after reviewing my file so, I don't have to repeat myself and he said he could not.
Product: Debt collection

I Have Called This Creditor, Spring Oaks Capital Who Said That The Are A Collection Agency For XXXX XXXX XXXX. I Have Told Them That I Have Been The Victim Of Identify Theft. When I Told Them That, They Are Now Telling Me That Someone Had Paid Over {$600.00} On The Bill In XXXX Of 2021. It Wasn't Myself. I Have Been In And Out Out Of The Hospital During This Time And Since.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/XXXX I ordered furniture from XXXX XXXX who offered me credit from XXXX XXXX XXXX XXXX Synchrony Bank, I accepted the credit offer since they would not charge the card until furniture was delivered, which should have taken no more than a month to be delivered. I checked in with the furniture store a month later to find out the status of my delivery only to find out that they have no idea when the furniture was going to be delivered, according to XXXX it could be XXXX or XXXX of the following year, immediately I sent her an email stating I wish to cancel order immediately because I can not wait that long for the furniture. I then called Synchrony Bank and asked them to cancel credit card. XXXX XXXX reached out to me asking me to reconsider keeping the furniture and my response was the same cancel the order. In XXXX of XXXX they attempted to deliver the furniture to my home which I did not accept. 
They then charged the credit card almost {$800.00} for restocking fees and Synchrony Bank paid them. I have reached out to the bank several times and discuss the issue with them and sent all communications with the furniture company to them as well. To date they have not and refuses to remove it from my credit and obtain the moneys back from the company. Instead they told me the credit card and the bank have an agreement so they are unable to resend it. This all happened after I have already called the bank prior to them delivering the furniture. When they finally cancelled the order they returned half of the funds to the credit card company instead of all of the funds. They claimed the rest of the funds were for restocking fees, ( see attachment # XXXX ) there should not have been a restocking fee because order was cancelled way before furniture arrived at their warehouse.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX Account # XXXX for violating the Fair Credit Reporting Act ( FCRA ) and to seek monetary relief for the distress and financial harm caused by their actions. 

Complaint Details : Creditor : XXXX XXXX  Account # XXXX Nature of Complaint : Inaccurate Reporting : XXXX XXXX Account # XXXX has reported inaccurate information on my credit report, including an incorrect balance and misleading payment terms for a collection account. This false information has significantly harmed my credit score. 

Lack of Notification : XXXX XXXX Account # XXXX did not notify me in writing about the alleged debt before placing it on my credit report, depriving me of the opportunity to dispute the debt or verify its validity. 

No Contract or Business Relationship : I have never engaged in any business with XXXX XXXX Account # XXXX and have no contractual agreement with them. 

Their reporting of this debt is unauthorized and unfounded. 

Unauthorized Entry on Credit Report : XXXX XXXX Account # XXXX added this account to my credit report without my consent, violating my right to privacy and the provisions of the FCRA that require accurate and fair reporting of credit information. 

Impact : The actions of XXXX XXXX Account # XXXX have significantly damaged my credit score, leading to potential denials of credit, increased interest rates, and other financial hardships. Their failure to comply with the FCRA has also caused emotional distress and financial instability.
Product: Student loan

I submitted a complaint through Consumer Finance because I applied to be placed on an ICR plan in XXXXXXXX XXXX XXXX  with no movement. I received a response back on XX/XX/XXXX, that my IBR plan request had been escalated. Today, I spoke to a representative after waiting XXXX hours on hold who said that the escalation was cancelled because there are new ICR plan requests in process.

The ICR plan requests post XXXX, were placed by the advice of the Mohela representatives who I spoke to over the course of 9 months. Each of whom advised me to submit a new ICR request for various reasons These reasons provided were the following : Mohela couldnt find the original ICR request so submit again ICR is not available past XXXX so you need to apply for IBR again Mohela can now process applications again as of XX/XX/XXXX so you should apply again I spoke to these two representatives who confirmed that Mohela does in fact have my application from XX/XX/XXXX and it would be the first to process so it wouldn't matter if others were submitted : Mohela Supervisor ID Number : XXXX Mohela Customer Support : XXXX I only applied again for the ICR plans at the advice of the Mohela representatives. PLEASE, I am begging you to put me on the XXXX plan. I am supposed to be done with PLSF forgiveness this XXXX and I have been in limbo since XXXX. I have called and spoken to at least a dozen representatives, and I have emailed many times usually with no response. Every representative is giving me different advice at Mohela.
Product: Credit reporting or other personal consumer reports

experain has my XXXX XXXX account duplicated the same card is listed 2 times both of the accounts have dirrent information and one of the accounts is accurate I have no lates at all on none of the other credit reports nor threw XXXX is there a late experain has 2 accounts created where there should only be 1 listing that is the account that is accurate and that does not have a late i am requesting they delete the duplicate account with the LATE this information is inaccurate-
Product: Mortgage

I was considering putting my house on the market and the agent told me what we would list for. I decided not to sell right now but realized I should have PMI removed since the the market has improved significantly since I purchased my home. Caliber Home Loans offers two options for removing PMI 1 ) full  appraisal and 2 ) Broker Provided Opinion. 

I chose the BPO. The Broker came to my home on XX/XX/XXXX. I told him that a bonus room was added and I wanted to make sure that was reflected in the sq footage. The Broker told me that he had to use the sq footage on the tax record unless I could give him the appraisal that shows the sq footage has increased. The bonus room was added before I purchased the home but after it was originally built. I didn't have a copy of the appraisal but told the Broker that he can get that from Caliber. The Broker said it would have to come from me. I called Caliber around XX/XX/XXXX and they mailed me a copy of the appraisal showing the sq footage to be XXXX vs XXXX which is on the tax record. On XX/XX/XXXX I received the appraisal AND a letter from Caliber saying I did not meet the requirements to remove the PMI, my LTV is 78.390 %. I didn't receive a copy of what the Broker gave them as far as what sq footage the Broker used, comps etc. 

Around XX/XX/XXXX I called to confirm that he used the actual sq footage and NOT the tax record because there is appx 300 sq ft difference. I called the Caliber XXXX number to ask for a copy and what sq footage the Broker used and if he had used comps. I spoke to agent XXXX. She said she could not give me that information and my only option was to appeal the decision by completing the " contact us '' form. She said there was no one I could actually speak to. I completed the form twice since speaking to agent XXXX and have not heard back from anyone via email or phone. I also sent a message via twitter asking that someone contact me and never heard back from anyone. 

I paid for the BPO so don't understand why I can't get a copy but more than that I don't understand why I can't find anyone that will actually speak to me. I would like to see what the Broker used to make his decision. 

I have attached the original appraisal to show the actual sq footage and the last 5 homes that sold in my subdivision as well as the denial letter. The average per sq ft is {$110.00}. If you multiply that by my ACTUAL sq footage that is {$250000.00} and I owe {$190000.00}. That is 76 %. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I responded to a CHASE marketing promotion to open a checking account with direct deposit and a savings account with a {$15000.00} minimum deposit and followed their rules precisely. I did receive the {$200.00} deposit for the checking account and eventually the {$200.00} deposit for the savings account based on the separate coupons issued for each respectively. There is no dispute on these facts. 
There is another {$100.00} to be deposited in my accounts for doing both of the above account openings for a total benefit of {$500.00}. The date of total funding for the savings account of {$15000.00} occurred on XX/XX/XXXX. I held that some of {$15000.00} in that account until XX/XX/XXXX expecting the final {$100.00} to be paid promptly but no later than by XX/XX/XXXX. I have had to constantly contact this bank with long delays and responses from off shore call centers as well as branch bank endless unavailability to even obtain the partial results above.