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

I have a credit card with my credit set at XXXX on XX/XX/XXXX I made a payment of XXXX using my stimulus money I received. I wanted to to start building a cushion in case any unforeseen expenses arose. I have only been able to pay the minimum due to the pandemic leaving my grown children jobless and they had to move back home. I have had plenty of hardships with my car and other issues, but I paid on time. 
On XX/XX/XXXX a letter was sent to me from my credit card company telling me they have lowered my credit limit to XXXX basically taking all the stimulus I just put in. Eliminating any cushion I have for emergencies. This also will effect my credit rating since having your cards maxed out reflects in the score. That was another reason I had put all the money into my cards. 
I feel like it was very suspicions that as soon as I put the stimulus in for payment they chose to drop my credit limit. I wonder how many customers they did this to. I feel they basically stole my stimulus money. This was suppose to get me back on my feet and give me room to breath. I get that I was at my limit for at least 8 months but heck these aren't normal times. I'm afraid to put any large some of money in there for them to lower my credit limit again.
Product: Money transfer, virtual currency, or money service

XX/XX/2021 Companies involved : First National Bank /FNB XXXXrom Pa. & XXXX XXXX. 

[ Earlier that day ] I tried making my auto loan payment over the phone to XXXX XXXX, Im unemployed so I tried using my unemployment debt card.XXXX XXXX declined the transaction. So I drove to FNB ATM to transfer money. 

I bank at First national Bank I stopped at there ATM at the XXXX  pa branch. I withdrew {$500.00} from my unemployment debt card. Still at the same ATM I took my XXXX  XXXX debt card and proceeded to make a deposit with the money that I just pulled out. The machine gave me my receipt on the bottom on the receipt it reads this transaction can not be permitted at this ATM. The funds never made it to my account. I went into the bank the next business day. The manager said that they can not depute this because I used a XXXX XXXX debt card, I have to call XXXX XXXX. XXXX  XXXX manager says its not there ATM this is FNB Responsibility. Ive spoken to both companies twice and neither want to look into where my {$500.00} dollars ended up.
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 account number XXXX XXXX  XXXX account number XXXX account number and XXXX XXXX XXXX account number XXXX XXXX XXXX account number 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 card or prepaid card

This complaint is in addition to the prior 2 complaints I have recently submitted. I just hung up with care credit/syncrony bank. I explained to them that I am very upset that they contacted the 3 credit reporting agency 's and it has caused my credit score to drop almost 54 points. I was told that I did not make the full minimum payment. I explained when I opened this card and made the 1 charge the minimum payment was {$160.00} Now my balance is {$1200.00} I am still making the {$160.00} per month payment. I explained the balance is no longer {$3500.00} so the minimum payment should be going down. Now they want {$240.00} for this month. I do not understand how the minimum payment keeps changing month to month. Besides that there is still a discrepency of {$510.00} that was charged fraudulently. They keep telling me it was credited back but when I calculate the one charge and deduct my payments the balance is wrong. ( interest free for 2 years ). I am very upset that they make up there own rules then go and report this account as delinquent. I have been through nothing but issues and problems for almost a year now with them. I am also told they can only look back so far ... ..how is that possible? They should be able to see the records from day 1. I can't get online either to view the past history and from them failing to send me statements for approx 4 months really messed this whole situation up. I am complaining because I want them to remove that delinquent remark back to positive. I make my payments on time and always make the {$160.00} if not more.There ruining my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

REMOVE INQUIRY LETTER OF DELETION NOT PROVIDED ACCOUNTS DONT EXIST!! 
XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX | XXXX ( XXXX ) XXXX | XXXX Last four of my SS XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX TX Disputed by Consumer. 
Investigation of Fraudulent Hard Inquiry on XX/XX/XXXX Dear Experian XXXX XXXX XXXX XXXX, TX Disputed by Consumer. 1-5 days My address is listed above. Respond by Mail only and provide a copy of credit report along with results of investigation. 
( XXXX XXXX ) Hard Inquiry. On Report number XXXX Reason : On my credit report I went to XXXX XXXX XXXX and was told specifically that one one hard inquiry would be on my credit report. However there are multiple inaccurate reports of credit pulled that I didnt authorize. I reached out to The legal department of XXXX XXXX XXXX  and they will investigate because that should have never happened. Therefore this is a result of fraud and miscommunication. I filed a FTC report today. Listing the negligence on XXXX company for not fixing these when I had an agent on the phone. The burden of proof is not belong to me. Im the Consumer who is suffering because of your negligence.. 
You are supposed to investigate and report back to me ONLY BY mail correspondence the results of your finding. Tell me how can you do an investigation and verify it is accurate. Did you get a copy of my signed verification that I wanted XXXX XXXX to provide me a car loan?. How do you verify through email. Can you provide to me your source so I can also dispute with them as well? ARE YOU FAMILIAR WITH SOMETHING CALLED 15 USC sec 1681i ( a )? I heard that if you can not provide proof these accounts must be deleted. Well I want these 2 accounts deleted if they are not 100 % right and correct. So could you please check on these and get back to me? 

On XXXX of XXXX. I spoke with your fraud department who told me it was my responsibility to contact each company that has pulled my credit file. I did contact directly XXXX XXXX and asked if they will remove the negative item and inquiry from my credit report by letter or by phone. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX. I called them 5 times XXXX XXXX XXXX. They said NO ACCOUNT FOUND? They can not write me a letter of deletion since they dont even know who I am? 
Awaiting your prompt response FTC report number included with this letter. Try not to lose it like you did the last one I sent you certified mail. Unable to obtain a Deletion Letter from XXXX XXXX No Account found via My social security number. 
Sincerely XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB Agent, Please consider my situation. I was previously working with XXXX XXXX XXXX to remove one ( 1 ) negative item from my personal credit reports from all three reporting agencies. The only negative item is a XXXX business credit card. This item is a business account ( that should not be on my personal account anyways ). XXXX XXXX XXXX reports that this XXXX account was removed from my Equifax account around XX/XX/XXXX. XXXX XXXX XXXX provided multiple credit reports confirming Equifax removed this item. 
However, on XX/XX/XXXX, this negative item was put back on my personal EQUIFAX credit report. There was no late payments or issues with the XXXX account that would cause EQUIFAX to put this back on my credit report. This violates laws, once an item is removed due to inaccuracy the item can not be placed back on my report. 
This is devastating for me as I have never had this occur, and we are trying to buy a home. 
Please see attached documents. Please let me know updates, concerns or questions. I appreciate your time in assisting consumers.
Product: Debt or credit management

Dear CFPB, I am reaching out to formally request an investigation into my account with Alleviate Financial. I believe I may have overpaid due to a lack of clear and complete information regarding my debt, payments, and associated fees. Despite my attempts to obtain this data directly, I have not received a comprehensive response. 

Specifically, I am seeking : A breakdown of my total debt at the start of my repayment process. 
- The total settled amount across all accounts. 
- A clear outline of all fees charged to my account. 
- A detailed description of these fees, including how they are applied to each individual account. 
- Validation that I have not overpaid, given multiple accounting discrepancies and the fact that not all transactions appear in the online portals transaction history. 
- Additionally, I have personally identified and corrected multiple accounting errors in my records, which raises further concerns about the accuracy of my account statements. 

Given the lack of transparency and the potential for further miscalculations, I would greatly appreciate the CFPBs assistance in ensuring my payments have been properly applied and that I have not overpaid. 

They will not send any information in writing and their customer support is specifically vague and points to a customer portal that does not have any detailed information. I have sent letters for help in writing to their physical office and the CEO for help. 

Also, after getting off the phone with them, I asked about their service they said they do about contacting the credit bureaus on my behalf after 2 years to remove the negative history and they said I know have to do it. This was a huge reason why I ended up doing the debt settlement through them so that I could ensure my credit is healthy as much as possible. 

Please let me know if you need any additional details from me to proceed with this request. I appreciate your time and assistance. 

Alleviate Account # XXXX
Product: Credit reporting or other personal consumer reports

CEASE AND DESIST UNAUTHORIZED USE OF TRADEMARK SN : XXXX & XXXX. UNAUTHORIZED USE CONSTITUTES INFRINGEMENT AND WARRANTS COMPENSATION. YOU ARE TO REMOVE THE OWNERS MARK FROM YOUR RECORDS FOR IMPROPER USE OF MARK. YOU ARE HEREBY GIVEN TEN ( 10 ) DAYS TO RESPOND. SEE ATTACHED STATEMENT FOR ARBITRATION.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Acct # 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 6802 ( a ) financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information,
Product: Credit reporting or other personal consumer reports

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT I was given a higher undesirable XXXX XXXX XXXX XXXX on XX/XX/XXXX and again XX/XX/2023. Both times LexisNexis provided a XXXX XXXX XXXX Report to XXXX XXXX XXXX that caused the high rate quote. LexisNexis has no way to get the report on the Internet stating to call them at XXXX XXXX XXXX Upon calling LexisNexis Recording states use the Internet Site. They pass me back and forth with no resolve. No human contact is possible at LexisNexis. LexisNexis lied to Federal CFPB and said they did not know me in a response in Case # XXXX and the employee ( name and phone number hidden ) at CFPB closed my case even thou I was given no opportunity to respond to the LexisNexis lies XXXX Likewise at LexisNexis, no name or contact information to the cubical, or even direct e-mail address, was given in the response given to CFPB by the LexisNexis respondent. Since the unknow employee at CFPB closed my case recklessly and prematurely I have no choice but to file another case in the hope that a different and more competent employee who does not hide their name and contact phone number to their office cubicle will get me my negative credit reports that LexisNexis gave to XXXX XXXX XXXX on XX/XX/XXXX and again XX/XX/2023. 
Once again, and XXXX XXXX at CFPB closed my case with no resolve. I do hope I am not using too big of words that CFPB Employees will not understand.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a late payment with XXXX on a credit card, and neither the credit bureaus nor XXXX took my complaint seriously. XXXX reports two late payments on a credit card, but the credit card was stolen. I called to alert them of the stolen card and sent in a payment. I sent in email documentation, and nothing has been done. It is showing very negatively on my account, and this is unfair. 

Also, XXXX is still reporting negatively on my credit report, and the balance was paid in full. Due to a car accident, I had payment arrangements set up with their regional XXXX. When I made the payment, I was told that it would not reflect negatively on my credit report, and it is still showing negative. XXXX is showing the account is still open, and it is not. It is an apartment that I no longer live in. Everything was paid in full according to the payment arrangement. The company received the payment and took a personal attack against me by leaving this incorrect information on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$21000.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX XXXX Balance : {$1100.00XXXX 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/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I do not owe this debt! This company can not provide me with a debt verification letter. They can not prove this debt belongs to me. They mark my complaint as a duplicate. They refuse to acknowledge their legal obligations to provide proof this debt belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

XXXX XXXX XXXX I took a personal check in to finance XXXX XXXX the check was {$2300.00} for a loan on a XXXX XXXX XXXX XXXX wellsfargo had contract on loan found out that XXXX and XXXX say he is XXXX stated they will not give my money back, but I have no car and loan not approve. I called every day to speak with the XXXX but everyone answer said they are busy, but heard XXXX employee said my name to them and said told them you XXXX was not her. I also ask for owner name they stated can not tell me his name. this place does not need to be in business at all. they are not honest at all. please help all I ask for is my money because I have no car are loan. thank you.
Product: Credit card or prepaid card

I am using the Chase card benefits re : trip disruption to get refunds on a roundtrip flight as a result of the hospitalisation and passing of my grandmother. It covers both myself and my finance who both used the card to purchase flights and had to cancel last minute due to my grandma 's sudden illness. ( for claim no. XXXX ; XXXX ) I have provided all the required paperwork a month ago ( see the list of paperwork that is required per Chase eclaims website FAQ and the list of paperwork I've provided ). However, I keep getting unreasonable follow-up requests for additional paperwork above and beyond what's required, and with minimal explanation for why they are needed. It feels like hte insurance is trying to drown me in paperwork so they don't have to make the payment. Some of the last ones are imposing significant burden for me to provide- for example, one of the comment was " proof of refund was insufficient '' and asks that I follow the example on FAQ website. However, I can't follow the prescriptive letter head on the FAQ which offers some refund and apologies to the customer- in my case, it was my grandma 's hospitalisation and passing, and not the airline 's fault or delay. Thus there is no written statement for any refund other than the email that was sent to me. This insurance benefit feels like a complete scam- especially in my case, there is no sense of humanity other than just wanting to profit and minimise insurance claims.
Product: Debt collection

It started in XX/XX/XXXX but I have 9 hard inquirys on my credit report that does not belong to me as well as a loan threw XXXX that I wasn't aware of..my credit score has dropped 104 points in a month. Resulting in a balance of XXXX XX/XX/2019 for a balance of {$710.00} through XXXX as well as Are resources in I'm not aware ofI 'm not aware of XX/XX/2019 for a balance of XXXX threw XXXX  that I am not aware of
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax will not take my dispute. They have wrong information on my report and I have tried numerous times to have this issue resolved but I need a number of some type and I still can not access the account. There are two open accounts and seven hard inquiries to chase that I did not make. Two open accounts on other credit companies have been closed or deleted but I cant do this with Equifax. I just want to clear this up.
Product: Credit card or prepaid card

I ran into several issues when trying to open and now close my Citi XXXX card. I can not log in online, and by looking at emails I apparently now have two cards open based on the last four digits displayed. I never received, nor activated, either of these cards. I believe these are both closed, but I'm being charged their annual fee. I spoke several times to their customer service team and they told me I wouldn't be charged these fees, it would be credited back to the statement, etc. However, I keep receiving emails my fee is late, and the amount of the fee increases due to late payment. I called Citi several times letting them know this is hurting my credit but they say it will go away ( which it never does ). They are unable to send me any confirmation or they are unwilling to provide a confirmation number to reference the call. My last call to Citi was on XX/XX/16 and they told me to wait 3 billing cycles. I will keep being charged late fees and having a late payment on my credit history as they can not correct this.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this XXXX concern, In accordance with the fair credit Reporting Act XXXX  Account # XXXX, in the amount of 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 602 A. Section 2 : also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

First when was this bill issued for me and why I haven't been to hosptial for many years and I have been on public aid medical card for year 's now no reason why I should have any bills from any hospital since 2007 till now .. I have tried to contact thos company but I get no one, only a machine on the other hand .. I believe I'm not liable for this bill thank you for looking into this matter.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Reporting on XXXX XXXX XXXX Accounts I am filing this complaint to dispute inaccurate credit reporting related to my accounts with XXXX XXXX XXXX . The details of the accounts are as follows : - XXXX  Account Number : XXXX ( Reported by XXXX XXXX XXXX ) - TransUnion Account Number : XXXX ( Reported by XXXX  XXXX ) I have taken the following actions to resolve this matter directly with the credit reporting agencies and the creditor : - I have submitted requests for validation of the debt and verification of the accuracy of the information being reported on these accounts. 
- Both XXXX and TransUnion continue to report inaccurate information regarding these accounts despite my efforts to dispute the data. 
- The information being reported by XXXX XXXX XXXX to both XXXX and TransUnion is inconsistent and appears to be incorrect. 

This inaccurate reporting has caused significant negative impacts on my credit score and overall creditworthiness. I am requesting the CFPBs assistance to ensure that XXXX XXXX XXXX and the credit bureaus comply with the Fair Credit Reporting Act ( FCRA ) and either provide proper validation of the accounts or remove them from my credit reports.