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

On XX/XX/XXXX, I checked my card account with American Express. I noticed that they had lowered my credit limit from {$11000.00} to {$3800.00}, and I was confused as to why. When I called in, I spoke to a XXXX who then transferred me to XXXX. When I spoke with XXXX, he then read a script saying that they checked my credit report with XXXX and reevaluated my relationship. Based upon what they found, they decided that it was best to lower my credit limit. I expressed to XXXX that I had several problems with this. First, my account with them has NEVER been late. I have been a member since XXXX, and I have never missed a payment on any of my accounts. Second, my credit is excellent and my income is also great. I also find it very odd that they decided to do this after they denied me for another credit card ( I submitted an application four days ago for it ). I almost feel as if I am being punished for asking for an additional card, even though I have excellent history with them. This situation is humiliating and as a result of them lowering my available credit line, it looks as if I am maxing out my credit cards with them which will impact my credit score negatively. There has to be some type of protection for someone in my situation, and the representative was not helpful. I am trying to purchase another home next year, and I feel that this will impact my ability to qualify.
Product: Checking or savings account

XX/XX/XXXX, I attempted to use my CashApp card at XXXX XXXX, the store. My card declined twice and I knew I had {$120.00} on the card. When I logged into cashapp to verify, it asked for me to verify a code sent to my phone, so I did. After, it told me my account was closed for XXXX. I never XXXX  and even used it for my taxes as Im a photographer and allow my family/friends to pay me that way. I tried chatting and calling about my account and the only thing Im told is I dont have any details as to why if was closed but I can send you the Cash Terms of Service .
Product: Credit reporting, credit repair services, or other personal consumer reports

the credit bureaus are denying years of credit history reporting, the age of the credit is incorrect, they are reporting 4 years and 7 months of credit when it should be around 20 years or more
Product: Credit card

I am disgusted and disappointed by my experience with the Capital One Venture X credit card. I would like to point out that the annual fee for this card is XXXX XXXX dollars. I lost my purse in XXXX of this year. I had several credit and debit cards that were lost from various companies, all of which were swiftly replaced with the exception of my Venture X card. I spent over two months and many hours on the phone being told my replacement card was on its way. During this time, I had my card anniversary and they pulled out my annual {$400.00} fee. After MONTHS and HOURS of calling in they finally told me they have no way to deliver the card to my mailing address. While disappointed, I realized there was nothing I could do and requested they refund the annual fee, allow me to cash out my points, and then help me cancel the card as they couldn't mail me a replacement. Normally if you cancel the card within a couple months of the anniversary without using it you can get a refund on the annual fee. We missed this deadline by a few days as it was not my original intent to cancel my card -- I simply wanted it replaced. Again, several other companies had no problem using my address to send me replacement cards. I assumed since this was a Captial One issue and they had strung me along for two months at this point that my request for a refund would be honored. If they had just told me on the first phone call they couldn't mail a replacement card to my address, I could have cancelled my card and avoided the annual fee or cancelled it within the window to get a full refund. After speaking with multiple managers I was told the only way to recoup my fee was to spend the rewards. I proceeded to try to do that and their booking portal sent me to a hotel THAT DID NOT EXIST causing me to have to find another hotel at double the price at XXXXXXXX XXXX I tried again to resolve this with management today and they told me there's nothing they can do. This is total fraud.
Product: Student loan

My school, XXXX XXXX awarded me a federal loan I did not qualify for. It was applied to my account. EdFinancial is the loan servicer and that company needs to complete a reaffirmation form for me so that I can continue my education with the correct loan. The form was completed by XXXX with the information and sent to me. I mailed the form to EdFinancial on two occasions since the end of XXXX and EdFinancial has not acted on that form. 

I have tried calling them, they wont answer the phone. I tried emailing them through their website, they wont respond. I tried faxing them, again no response. Judging from online reviews of EdFinancial, this pattern of non-communication with customers is typical of their service. 

This is a time sensitive issue that must be resolved. I need EdFinancial to act on the form and email me that this has been done. 

I have also filed a complaint through the XXXX XXXX XXXX but they have not taken action yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

BAYSIDE CREDIT - XXXX is reporting inaccurate late payments on my credit report. This account was paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I opened a complain on this site ( Complain # XXXX - report is attached ) because XXXX was charging me late fees when I had applied and been approved in a monthly basis for referred payments until XXXX due to the COVID pandemic. By XX/XX/2020 XXXX finally responded that they were waiving any late fee I was being charged and apologized for all the inconvenience. 

Today I learned that XXXX had reported to the Credit Bureau that my account was late for 30 days, impacting negatively to my credit history. 

I am very much mortified for all the inconvenience and headaches XXXX XXXX has put me through. I had a credit score was outstanding and now it has decreased significantly decreased because of this situation. 

XXXX had taken almost TWO months to take care of the prior related issue and it was not even do it right. They have handle this situation very poorly. 

Now I have to waste time, resources again, to have this issue fix. This is not ok. 

I am enclosing the report that was filed and recently closed related to this current issue.
Product: Debt collection

My dentist 's office and I tried on several occasions during XX/XX/XXXX to XX/XX/XXXX to get this loan cancelled by Allegro Credit aka Synchrony because information was incorrect and the account was no longer needed. We were continuously told the account was cancelled. Then several months later I found out the account was placed in collections and they wouldnt be able to help me. I havent been able to get any help since.
Product: Consumer Loan

Nissan Motor Acceptance Corporation ( " NMAC '' ) incorrectly reported a 30-day late payment to Experian credit reporting agency for XX/XX/2015. This error of late payment is reflected on my credit report and has unjustly affected my " Fico Score XXXX '' credit score. Upon learning about this incorrect reporting, I spoke with XXXX NMAC Representatives ( XXXX and her supervisor XXXX ) on Thursday, XXXX XXXX, 2015. Both representatives referenced the account and insisted that the payment was received 30 days late. This is not correct. The payment was due XXXX XXXX, 2015 - the payment was received by NMAC on XXXX XXXX, 2015 as evidenced by the attached screenshot from my online account with them. ( If needed, I can also supply my bank statement record evidencing XXXX XXXX, 2015 as the date the amount was debited from my account. ) XXXX XXXX, 2015 was within 30 days of the due date of XXXX XXXX, 2015 but NMAC is reporting it as 30+ days late on my credit report -- this credit reporting practice is not in accordance with the Fair Credit Reporting Act ( FCRA ). Accordingly, I am requesting that the matter be corrected by NMAC immediately removing the disputed information from my credit report. 

In addition to the debit from my account having occurred on XXXX XXXX, I would also like it to be noted that a technical error by NMAC was the only reason the payment was made on XXXX XXXX instead of the original due date of XXXX XXXX. NMAC regularly has " technical difficulties '' with their phone and online payment systems. Ironically, I experienced technical difficulties when attempting to contact customer service in regard to this very dispute on XXXX XXXX, 2015 -- I tried to reach NMAC at least a dozen times on XXXX XXXX, 2015 via telephone and each time was placed on hold for a few moments before being informed of " technical difficulties '' and then being automatically disconnected -- I was not able to reach anyone at NMAC until the following day. 

The more important technical difficulty here, however, occurred on XXXX XXXX, 2015. When I made my lease payment on XXXX XXXX, 2015 I did so over the phone and thought it was taken care of. After making the payment I was not given any notice of error through the phone system, nor did I receive any calls, emails, or written correspondence in the days following it to alert me of this allegedly missed payment. It was not until XXXX XXXX, 2015 when I logged into my NMAC account online to make my XXXX, 2015 payment that I saw the XX/XX/XXXX phone payment had not been received. I immediately corrected the problem -- XXXX XXXX, 2015 was when the payment was made. I have evidenced this with the attached screen shot from NMAC 's own records. This payment on XXXX XXXX, 2015 was within the 30 day period of the XXXX XXXX, 2015 due date -- to report it as 30+ days late on my credit report is incorrect, unjust, and a bad business practice in violation of the Fair Credit Reporting Act. I respectfully request that you contact XXXX ( and any other credit agency to which you regularly report ) and correct it immediately and send me written correspondence confirming that said action has been taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter to Experian, and XXXX addressing a concern about an account that they were and still are reporting on my consumer credit report. 

They are reporting a collection account as an open account with a past due balance and late payments. I have never opened an account with the company reporting, and a collection should not be reported as an open account. 

I have tried to get this matter resolved on my own by writing letters to both of these reporting companies. 

I have tried 4 times via letters and they keep reporting the same status. 

They have also failed to provide me proof that they have conducted a proper investigation to my request.
Product: Credit card

On XX/XX/XXXX I signed up for the US Bank XXXX XXXX XXXX XXXX, which advertised a signup promotion promising " XXXX bonus pts ( worth {$500.00} ) '' if I spend {$2000.00}. On XX/XX/XXXX I met the spend threshold and the XXXX bonus pts went into pending status. On XXXX, US Bank ( USB ) changed the terms of the product and pts redeemed for cash back or statement credits were devalued from {$0.00} to {$0.00}. This means that the {$500.00} bonus promised to me would now only be {$400.00}. I contacted USB regarding the issues on at least 7 occasions between XXXX and XXXX. On the calls prior to XXXX USB reps repeatedly argued with me and denied that pts were being devalued. Tickets were submitted 2 times with promises that I would be contacted by the department that handles these issues. The first two tickets were resolved without anyone contacting me. When I contacted USB again, I was told the tickets had been resolved with a note that I would receive the XXXX XXXX. That was never the issue. On XX/XX/XXXX I spoke to XXXX, a supervisor. She understood the issue and, on a recorded line, stated that she would immediately be issuing me XXXX pts, which are worth {$100.00}. I thought the issue was fully resolved at that time. However, when I logged into my account I discovered that she only issued XXXX pts leaving me XXXX ( {$80.00} ) short of the amount owed to me. I contacted USB again on XX/XX/XXXX and was told reps could only issue XXXX pts at a time. The rep refused to issue me any points and a 3rd ticket was created. I called again on XX/XX/XXXX. This time I was told reps could issue XXXX pts " per issue. '' I reiterated that I was promised XXXX pts ( again, on a recorded line ) and again, but the rep stated that she didn't care and refused to do anything further to assist me. I have multiple screenshots showing the I was promised " XXXX bonus pts ( worth {$500.00} ) '' not only at the time of signup but even today, XX/XX/XXXX. In other words, USB is STILL advertising a cash back value of {$0.00} despite the fact that actual redemption has been reduced to {$0.00}. This holds true for new signups as well. I simply want the {$500.00} cash back bonus I am owed. After the XXXX pt adjustment, I now have XXXX pts worth {$420.00}. I am still owed XXXX pts worth {$80.00} ( or simply an {$80.00} credit ).
Product: Debt collection

On XX/XX/year> Credit Corp solutions emailed me and threatened to send my information to attorney. I would like to see proper validation of the debt and a contract with both parties signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Experian credit reporting agency on XX/XX/2021 about a bankruptcy showing on my credit report unknown to me. On their website it states that they get their bankruptcy information from XXXX credit reporting agency. I contacted XXXX and ask them to send me a copy of my report that they had on me. I received the report showing no bankruptcy on my report and sent it to Experian credit reporting agency. On XX/XX/2021 I received a response from Experian stating that The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. I don't think they contacted XXXX because if they did XXXX would have reported to them that they don't have a bankruptcy showing on my report. I have attached the XXXX report to this case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my cousinhicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. 
XXXX XXXX {$1700.00} XXXX {$17000.00} XXXX {$260.00} XXXX XXXX {$3300.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX and XXXX has been reporting inaccurate information which is violation of 15U.S. CODE 1681
Product: Payday loan, title loan, or personal loan

I was having a furnace problem that needed to be replaced right away and took out a payday loan with Americash loans in XXXX Wisconsin and was told, if I recommend someone, I would get a reward of {$100.00}, deposited into my checking account, the date of the person first payment withdrawal from their checking account. I recommended a relative, who took out a loan in my presence. The store manager XXXX, told me and my realative, for my recommendation of the relative, I get {$100.00}, deposited into the checking account, the first day of my relatives payment on XX/XX/2020. XXXX, seemed really nice at the time of the loan, my relative took out. But was not being honest and proved the untruths on XX/XX/2020. 
I checked my account for the {$100.00}, on XX/XX/2020 and the {$100.00}, was not deposited into my account. I called the store, and the store manager, XXXX, answered and gave a fake name as XXXX, and stated that they do not deposit money into accounts for recommendations, into accounts and I would have to wait for 10 days to receive a check in the mail. I stated to XXXX, who was not honest about her name, which I recognized her voice from talking to her, the day my relative took out her loan, XXXX assisted her. XXXX, was very rude and I told her my relative was my witness, to XXXX, telling us the {$100.00}, would be deposited into my account. XXXX, was rude, so I asked her for Americash corporate office to file an complaint against XXXX, and the store on XXXX XXXX XXXX in XXXX , WI. XXXX, stated the phone number fast, and hung up on me, before I could write the number down. I had to call back, and ask for the number again to Coporate. XXXX, having calling ID, once again identified herself as XXXX. I asked XXXX for corporate 's number once again, at slower pace. I was given customer service number and spoke wait a supervisor who took my complaint and apologized. I asked she would have a district manager call me. A guy name XXXX, who stated he was the area Manager call me later the day on XX/XX/2020. He was very rude and stereotyped me, which I stated to him, I felt he was being XXXX. I told him, that XXXX, told me and my relative regarding the referral {$100.00}, being deposited into my checking account on XX/XX/2020. untruths and also that XXXX, identified herself as XXXX, XXXX, stated he did not believe me and XXXX has been with Americash for 3 years and she was a good for their company. I told XXXX, since your phones are monitored listen to the call, from my phone to your office, today, XX/XX/2020. XXXX, stated to me since, I stated to him, he might be XXXX  he hung up on me. What XXXX, and XXXX, fail to realize is that, they need customers, to keep their jobs, I recommend, if anyone is in need for emergency money, do not use Americash!
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair and Accurate Credit Transactions Act Section 1681g ( e ), which requires that if a business has provided credit to or entered into a commercial transaction with a person who has allegedly committed identity theft, then the business must provide a copy of certain records upon request to ( a ) the victim of the alleged identity theft or ( b ) any law enforcement agency or office authorized by the victim to receive the records. 

I requested over six times for XXXX XXXX to provide records for accounts ending in XXXX and XXXX under Section 1681g ( e ), and they have willfully failed to do so. Therefore, I am authorizing this Office to receive the records, and provide the records to me. I have conveyed to XXXX XXXX that I suspect to be a victim of identity theft and that they are allowing the reporting of inaccuracies on my credit file through a third party junk debt buyer collector XXXX XXXX and XXXX XXXX XXXX XXXX misrepresented the truth by stating that they removed the debt from my credit file. However, credit reporting agencies have recently verified the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi there, on my credit report, XXXX shows that I have an open dispute with Capital One for an account that has a XXXX balance. When I call XXXX they say that there is a flag from Capital One is why they can't remove it instantly and that they have to open a dispute in order for Capital One to remove it. Can someone please help me? I am in the closing phase of purchasing a home and this is hindering the process please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed 2 dispute with trans union on XX/XX/XXXX and XX/XX/XXXX. transunion never responded to my dispute I will upload the letters that I sent, According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you  are required by federal law to verify.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$10000.00} Balance updated XX/XX/XXXX Original balance {$10000.00} XXXX XXXX XXXX Balance {$330.00} Balance updated XX/XX/XXXX Original balance {$330.00} Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Balance {$630.00} Balance updated XX/XX/XXXX Original balance {$630.00} Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Balance {$1700.00} Balance updated XX/XX/XXXX Original balance {$1700.00} Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Balance {$270.00} Balance updated XX/XX/XXXX Original balance {$270.00} Account number XXXX Date opened XX/XX/XXXX XXXX
Product: Debt collection

I received a debt collection notice from XXXX, a subsidiary of XXXX from its attorney, Cooling & Winter. I requested the following : Explain and show me how you calculated the entire amount of what you say I owe ; Provide me with copies of any and all account level documents that show I agreed to pay what you say I owe to include original signatures. Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; If you purchased this alleged account, identify the SELLER you purchased it from and ALL PREVIOUS OWNERS.
Provide me with ANY documentation which establishes your legal standing to collect anything from me.
I was not provided with what was purchased, how the balance was calculated, what interest rate was used, etc. in violation of the Consent Decree that was entered into by XXXX and the Consumer Financial Protection Bureau. I do n't know how these companies continue to conduct business by violating consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX AND XXXX DELETED THIS ITEM DUE TO ITS INACCURACY, I NEED TRANSUNION TO DO THE SAME
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint against Experian ( complaint ID XXXX ) to show proof of their verification process concerning this issue ( Identification number XXXX ) on my credit report. They didn't show any proof of how they obtained this information. They only sent me my credit report saying that it is verified. There's no information for me to contact the furnisher of this information. I tried contacting the court and i didn't receive a response. I sent a certified letter with a self address envelope for them to send me information about this issue. Can you please have them show proof of how they obtained this information. This is the courts address, XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX. If the courts verified that this belongs to me then please let me know how you reached them so I can address this situation. If Experian can't provide updated proof that the courts reported this information to them, and how they contacted them. Then please remove it from my credit report.
Product: Credit card or prepaid card

I have several small credit card accounts issued by Synchrony Bank I have had automatic payments, Synchrony Bank has repeatedly run a credit check every 6 months or so, and if they do not like your score, they lower the credit limit, which in turns lowers my score because it looks like the utilization of the balances is higher. My husband has a decent score and has automatic payments and he too has been a victim of this practice. This needs to stop. It is leaving me with no choice but to close the accounts. They are making me look bad.