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

I have learned that American Express arbitrarily decided to cut my credit limit in half on XX/XX/XXXX and lower it from $ XXXX to $ XXXX, which brought me extremely close to maxing out the account instead of being at about 45 % usage. 
I contacted AmEx and was informed this is due to " information they received from a credit bureau '', specifically XXXX. They said this was due to changes in using my credit cards and change in credit score. 
I have immediately checked my credit scores and reports and my credit score has been steadily increasing for months and currently is XXXX on both XXXX  and XXXX  report. 
The only card I've used for months now is AmEx so that is the only change in credit card usage I've had in several months. 
American Express also has NOT reported anything from my account to XXXX or XXXX  since XX/XX/2020, yet claim they made their decision based on " responsible lender '' information. If this is what they call responsible, I must buy a new dictionary. 
I've had an account with AmEx for about 9 or 10 years, with this same credit card. 
Cutting my limit in half during a pandemic is, I believe, if not illegal, then immoral, as no data on any of my credit reports justifies the decrease. 
My payment history is 100 % and XXXX credit score shows in every way possible that I am a responsible credit card owner. 
With a salary of {$75000.00} per year, I am not sure what else do these credit card companies require for us to be left in peace to use credit cards, they make money from! 
I've always been taught that high credit score, decent salary, no-blemish credit payment history is what someone would want from a credit card holder, but I guess after 10 years, in a pandemic, they decided they would start these new practices. 
I want to warn every person who has a credit card with AmEx that this is something that can happen out of the blue no matter how good of a customer you are. 
I've immediately paid off this card and am now in the process of closing my account, I do not need to make any money to a company like this, but I do think it's my responsibility to report this type of absolutely disgusting behavior.
Product: Credit card or prepaid card

Opened a card to pay XXXX bill for XXXX for my XXXX. Had my own card to pay with but XXXX  suggested Wells Fargo interest free for 6 months and did not need to start paying off balance immediately. Had trouble logging on and setting up online payments a few times and called to get help. Sent to multiple departments and disconnected 2 times. Finally told me I was in collections! Had no idea. Company sent me to collections because I was late 3 month of payments and I had no idea. Never called or emailed. Claimed they mailed a letter I did not receive. Then tole me I owed {$500.00} on a {$6000.00} cred balance to be removed from collections!!! I have a {$10000.00}. card I pay {$250.00} on. {$500.00} payment is outrageous. Asked to have my billing cycle start over so I can start making payments regularly because I was not aware I was 2 months behind as I never received notice. Then in formed me I had a retail card and was being charged multiple minimums at once?! Tried o call back again to resolve because I was working and person from collections was condescending while I was trying to restart cycle. Called another time ... woman was very nice but collections never answered and on hold over 20 minutes. She told me to call another time. Now I have negative marks on my credit due to them and this scam card and no resolution with their sending me to collections in 2 months without warning.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I recently received a copy of my credit report, and I noticed your furnishing an account on my consumer report that should not be on there. I demand the below accounts be deleted from my consumer report. 
List of account to be deleted. 
XXXX XXXX, XXXX Account # XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. I demand this account be deleted from my consumer report.
Product: Credit card

Bank of America is charging fees on credit when I paid my bill before due date. I always pay my card monthly. I paid my bill every two weeks. Credit card due XX/XX/XXXX and I paid {$1000.00} XX/XX/XXXX or before toward my credits card before due date. However they still charge myself as a consumer fee {$45.00} stating I have to pay full amount of balance. I have paying my card on time and extra to minimize balance as soon as possible. I then looked over previous month bill on my credit card they charged XXXX direct deposit fee. I always do transfer online bank to bank from my Bank of America account. Never had a fee. This second fee of {$180.00}. I transferred credit cash from my credit card toward my Bank of America debit card through the app. Same bank. I also specifically ask Bank of America employee when I do the transfer through I can pay my card monthly he said then when spoke with agent yesterday she said I have to pay full amount which contradicts what I was informed about fees and charges. They basically tried to charge fee every month I guess. I was told I had a special promo if I brought money from credit card cash not interested rate and I pay like I normally do every month before due date. No fee. I called them today again and wait for over 20 minutes no response. No answer and on hold
Product: Debt collection

was in the military and I got a XXXX XXXX XXXX. I was on a able to pay everything off. Once, I left the service. However, trans world picked up the debt. And they said that they have the power through the franchise tax board to Intercept my taxes every year. So I pay {$500.00} on it. And what they tell me. Is this that it accrues interest everyday And so the balance basically goes back up to the XXXX again. Until tax time, I don't have to grand it just paid them off with. So every year for 12 years, they've been taking my taxes. And the {$2000.00} has still gone nowhere. It's been over 7 years, someone needs to can them. How do you get rid of them? Are they gon na steal taxes until I'm XXXX? 

Years ago I asked for info on account impossible for me remember the date when, it's XXXX and I have not been able to have taxes back for 11 years straight now.
Product: Credit reporting or other personal consumer reports

I have listed in the attachments how the reporting of this information is not fair and accurate. It violates of Fair reporting Act. You also stated this information was fair and accurate. The dates dont match. it's not reporting on all reports. This information is not correct and should be removed asap. Here are the accounts that need to be removed. XXXX. account number XXXX. date open XXXXXXXX XXXX XXXX  XXXX Account number XXXX. date opened XX/XX/year> According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

it was discovered that M.L.ZAGER, P.C had made a hard inquiry under my name XXXXfor an amount of XXXX. I am reporting it as fraudulent action because they use my info to do that.
Product: Credit reporting or other personal consumer reports

There are credit inquiries in my credit report from XXXX XXXX til the present that I did not authorized. I only authorized one person inquiry which was in XXXX XXXX  with XXXX XXXX XXXX I have not applied for any credit since then and any inquires after XXXX XXXX  are not authorized by me and should not be on my report
Product: Credit reporting or other personal consumer reports

I'm victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX : {$500.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$750.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$750.00} XXXX ( XXXX Creditor : XXXX  XXXX XXXX XXXX ) XXXX Balance : {$800.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$1400.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$3400.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$3400.00} XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

There are many sides to this complaint. I will list them in numerical order. 

1. We proved to Kimball, Tirey and St. John Law Offices via pay stubs ( Military terms XXXX ) that the rent was paid in full, and in fact, was over paid for the month of XXXX 2011. We sent in proof, not only to them, but to the original creditors XXXX XXXX XXXX XXXXXXXX XXXX in XXXX XXXX, CA. 

2. We have spoken with the housing office for the military and they confirmed the rent was paid in full. They stated we should have XXXX XXXX XXXX XXXXXXXX XXXX contact them to confirm. The manager stated, when we told her this, ( numerous times ) that it was n't her job to call and that they had no proof of payment. She kept requesting a receipt or cancelled check, but that was impossible, since the military included our rent in our paycheck and it automatically went to them every month through XXXX. 

3. We have provided proof twice to Kimball, Tirey and St. John by providing official copies of the XXXX. ( XXXX XXXX XXXXXXXX XXXX ) provided to us by the military. We asked them for proof that it was n't paid, so we could submit that to the military, so they could pay for it out of our XXXX if for some reason our statement and their statement showed differently. The only thing they could provide for me was a signed piece of paper from XXXX XXXX XXXX XXXXXXXX XXXX by the manager stating that rent was due for the month of XXXX, 2011. They could not provide any official proof. 

4. The amount they are stating is owed is {$1800.00}. We have proven to them that they received the entire amount for the whole month of XXXX, 2011 in the amount of {$1900.00}. We overpaid and never got our check for the overpayment. 

5. We recently contacted XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX and spoke with XXXX XXXX who confirmed this debt was paid and said he spoke with Kimball, Tirey and St. John Law Offices to tell them to remove the debt. 

6. Since then, I have filed with XXXX and XXXX ( working on XXXX ) to ask it to be removed and Kimball, Tirey and St. John Law Offices responded, saying debt was valid.
Product: Money transfer, virtual currency, or money service

On or before XXXX, XXXX XXXX  checking accounts were created fraudulently in my name, were linked without my knowledge to my Coinbase account, and used to steal {$26000.00} USD from me. XXXX  closed these accounts when I reported the fraud and said the accounts were associated with XXXX  XXXX, but they wouldn't give me any information about how to claim my stolen money or file a dispute. XXXX told me to instead file a dispute with " my bank '' ( which in this case would be Coinbase ), but Coinbase says the same thing that XXXX would have to reverse the transactions. The hackers also tried to steal money from my linked bank account and it WAS my bank that reversed that transaction, so it seems in this case that it would be Coinbase 's prerogative to cancel any ACH transactions that were reported as fraudulent. 

The Coinbase transactions in question are XXXX ( {$1900.00} ), XXXX ( {$4900.00} ), XXXX ( {$4900.00} ), XXXX ( {$4900.00} ), XXXX ( {$4900.00} ), XXXX ( {$4900.00} ). Both Coinbase and XXXX seem to have gone to great lengths to obfuscate any information relevant to what steps I can take to get my money back. It could be the case that legally XXXX is responsible for returning my money since someone used their service to create these accounts in my name. Either way I am doing everything I can to try to recover the funds that were stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account XXXX XXXX XXXX is reporting incorrectly on my XXXX and Equifax reports. There are different balances due, the date of last payment and the date last active is inconsistent. How is this accurate reporting when all data furnished should be the same? I am demanding the removal of this account for inaccurate reporting. Not only is the account inaccurate, but the company was also not able to validate anything to say that this account is mine. I sent a letter 4 months ago informing you of this error. You have violated many FCRA laws. I will be seeking legal action if this account isn't removed immediately. I will attach the dispute letter that was sent XX/XX/22 which is dated and time stamped.
Product: Credit reporting or other personal consumer reports

Under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) subject to subsection XXXX XXXX XXXX and except as provided in subsection XXXX XXXX XXXX  If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXXXX 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/XXXX
Product: Credit reporting or other personal consumer reports

This credit card ending in XXXX is a result of fraud. The creditor has conducted thier reinvestigations and determine this is fraud.
Product: Debt collection

OnXX/XX/19, I made a request by telephone and email to have the account closed with a XXXX balance. Since ABC Financial refuse to closed the account and trying to aces my personal account without my authorization. The account was submitted to XXXX XXXX is not the current account the company has on file. The contract that was submitted via XXXX XXXX should be a month to month registration and should be able to cancel at any time. ABC Financial has committed fraudulent on my account. 


On XX/XX/19, I made a request by telephone and email to have the account closed with a XXXX balance. Since ABC Financial refuse to closed the account and trying to aces my personal account without my authorization. The account was submitted to XXXX XXXX is not the current account the company has on file. The contract that was submitted via XXXX XXXX should be a month to month registration and should be able to cancel at any time. ABC Financial has committed fraudulent on my account and a violations of the Health Club Services Act, the Consumer Fraud Act, the Retail Installment Sales Act, and the Truth-in-Consumer Contract, Warranty and Notice Act Customer Information : Agreement # : XXXX Account Pay Mode : XXXX Amount Due : Total : {$110.00}
Product: Checking or savings account

XXXXXXXX  I tried to withdrawal XXXX from my checking account at my local bank ATM when I put the amount of the withdrawal and I asked to send a print out of the amount I needed to be sent to my phone by text it never did and also the amount I requested never happened. It gave me my card back but never disbursed the funds I requested. I sat in my car and called the bank right away and the bank told me that I would need to file a claim so they connected me with the banks claims department and I filed a claim on the same day it happened. I was told that it could take up to ten business days and it's now going on 6 business days. I have nothing to show other than the transaction never went through but it did take the money out of my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 an account without my written instructions XXXX has reported incorrect information on my credit report. XXXX XXXX XXXX does not inform of bankruptcy to any credit bureau. XXXX also has too many names associated with my credit report that are incorrect. My married name WAS XXXX XXXX and I am currently divorced I am XXXX XXXX XXXX currently now. I have included a PDF that shows everything highlighted that needs to be deleted.
Product: Money transfer, virtual currency, or money service

( Reference ID XXXX ) My account got limited on XXXX XX/XX/2021, then I've submitted all required information with my Photo ID on XXXX XX/XX/2021 then PayPal reviewed and restored my account on XXXX XX/XX/2021, it was very good news for me. PayPal was very co-operative and helpful. Thanks to PayPal review team. 


( Reference ID - XXXX XXXX XXXX XX/XX/2021 suddenly received an email says " You can no longer do business with PayPal, After a review, we decided to permanently limit your account as we found potential risk associated with it. Youll not be able to conduct any further business using PayPal. If you have money in your PayPal balance, well hold it for up to180 days. After that period, well email you with information on how to access your funds. We regret any inconvenience this may cause. '' It means my account has been closed. I'm shocked what it is! Why! I dont understand. 
I thought this email was automated or a glitch, then logged in my account and found really my account permanently banned! 
I believe that this action made by any automatic system or performed by automated bot, not by anyone from human review team, because its impossible for a human to do something self decision opposite. 

I request you please review this coincidence and relieve my pain and frustration. Impossibly if this action made by any human please re-consider my situation. If you think this action is final then I'm respectfully requesting that the hold on my funds/account be lifted. 
However, because I feel that holding my funds for 180 days for a non-fraudulent violation of PayPals Acceptable Use Policy is excessive, and perhaps a punitive abuse of power. 

I've complaint on XXXX and send them emails hundreds of times but still no response. 

My PayPal email is " XXXX ''
Product: Mortgage

Loan depot did not figure my escrow correct. They did not include the school taxes. I corrected the problem by paying them {$18000.00} to bring my escrow account up to date. Since they made a grave error I requested to pay my own escrow, because they are charging me {$6100.00} a month of which {$3700.00} is escrow. That brings my escrow account to {$45000.00} a year of which I owe approximately {$23000.00} a year. An overage of approximately {$22000.00} a year. I wrote a letter to XXXX XXXX on XX/XX/2022 to cancel my escrow account and apply balance to principle and I will be responsible for my escrow account. No response from XXXX XXXX so I again wrote on XX/XX/2022 with no response. I then called on XX/XX/2022 and talked to XXXX XXXX and explained what had happened. He wrote back that the escrow department was looking at my request and would get back with me in 60 days. I told him this was unexceptionable. They have doubled my monthly payments for there mistake and I will have a hard time making the payments, which then they can foreclose on me and take my house. This is criminal behavior to me. Your help in this matter would be appreciated.
Product: Credit reporting or other personal consumer reports

I have reached out to Experian 3 separate times in regards to updating my personal information on my credit report. I wrote 2 separate letters about a month apart, addressed to Experian XXXX XXXX XXXX XXXX XXXX XXXX that went completely unanswered and ignored. After waiting for about a month I sent another letter to the above address, but this time certified USPS Mail, on XX/XX/2023. Experian acknowledged receipt of the certified mail on XX/XX/2023. Today on XX/XX/2023 I received a response from Experian stating that they received a request but they don't believe its me, even though I submitted a copy of my SS card, Passport ID and Proof of Address along with the request. I believe this is a stall tactic and is completely unethical and possibly illegal on behalf of Experian 's reporting practices. I demand all reporting Cease and Desist until this incorrect reporting is resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover is reporting NEGATIVE information to the credit bureaus, thus adversely affecting my credit score.. MY account is in GOOD standing with DISCOVER. The account Discover is NEGATIVELY reporting DOES NOT belong to me! 

XXXX has lowered my credit by 12 point, thus changing my creditworthiness!