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

American Express increased my credit limit automatically from XXXX to XXXX between the month of XX/XX/XXXX and XX/XX/2019. The same was notified to my credit agencies on XX/XX/2019 and my credit limit on my account reflected the same. This had a positive impact on my credit score and i was happy about it because i have some upcoming plans. When i opened my account to make a payment this morning on XX/XX/2019. I found a significant decrease in my credit limit and it now reflects as XXXX. I was in total shock and spoke to my adviser to understand how would this will impact my credit score. I found out that this would potentially have negative impact on my credit score. I have contacted american express customer service team and explained my issue who transferred my call to credit card expert team. I explained my issue and the nature of credit score impact with these drastic changes in my credit limit, they explained that during annual credibility review my account was eligible for credit limit increase and system incremented my limit to XXXX instead of XXXX due to an error for which i haven't got notice till date. I tried to explain him this is going to damage my credit score which i can not afford at this time and i also told him, i wouldn't have concerned if this error was fixed prior to reporting to credit bureau. I had very bad customer experience talking to this person, which is secondary to this topic. At the end i was told they won't be able to help my case and instead they want me to apply for a credit limit increase. I feel american express is not taking ownership of this problem and impacting my credit score at their discretion.
Product: Prepaid card

Purchased Prepaid Visa from Vanilla to give to my son during travel outside the State. He made 1 small purchase which went through. 
He tried to make a 2nd purchase, and the card declined. I went to the website on XX/XX/XXXX ( Vanillagift.com ) to check balance of card and the site would not recognize my card. I called Vanilla at the XXXX to lodge complaint on XX/XX/XXXX They told me they " detected fraud '' and that there was a {$53.00} balance. I told them all the information on the card that they requested. They refused to turn the card back on. 

I told them I want a refund for the balance or a new card. They requested my address to mail out a new card and said I would receive one within 30 days, or they might request a copy of my original purchase receipt ( Which I have ).

I still have not received any communication from them. There is no contact information on the website for an address or even an email. The phone number is all they provide, with agents who barely speak XXXX and difficult to understand. 

There are hundreds of complaints about Vanilla gift cards online, along with one agency who said they have approximately 7 % complaint resolution. This could be potentially $ Millions of dollars scammed from consumers.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I XX/XX/XXXXattempted to refute : XXXX XXXX XXXX Balance {$120.00} Open Date XX/XX/year> 2024
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts/items are inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have made many attempts to reach out to Experian/XXXX  Credit Bureaus but failed to give me any results or feedback about this concern. Please investigate and REMOVE or BLOCK them from my personal credit file. Thank you. Inaccurate Name : XXXX XXXX, Inaccurate Address : 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 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 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
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX # XXXX, has violated my rights. I looked at my Transunion credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card with a $ XXXX limit with XXXX XXXX XXXX. XXXX bank bought or acquired XXXX in XXXX. In XX/XX/XXXX, XXXX initiated an account transfer from XXXX to XXXX. Ever since this happened, I haven't been able to access my account to view payment history. After numerous calls to understand the problem, several issues arose : First, XXXX told me that the contact information ( mailing ) they had available was from XXXX years ago, even though XXXX bank had my current address on file. I tried changing the address by going to the local branch directly and filling out a form. After some time they mentioned that I needed to send an email to change the address and I did. Then after a couple more months they told me that I needed to send yet another email request the change. They finally changed it on XX/XX/XXXX ; they do, however have my current cellphone and have been able to call for monthly payments. To this day, the credit card ( plastic ) hasn't arrived so I have not been able to access my account to look at the balance, payment history, and payment due dates, for over a year because I need the credit card number to enroll in their system. This means that every time they call for the minimum payment, the account is already behind, probably affecting my credit score. Second, I don't see the account as active in the credit bureau. I see XXXX as a closed revolving account with no balance in one of them, then a closed oriental revolving account with 0 balance in the other two. After calling to inquire about this and understand the problem, they told me that they had tried to communicate with me since XXXX ( to the wrong address, never by phone ) and decided to disregard the payment history from XXXX and consider my XXXX account as a new account for the bureau. I did not consent to this- they could have called the same way they called to collect a payment. Third, information received from the bank has been unclear. After several call attempts and visits to the local branch, I receive different information regarding the state of the address change, different instructions about how to access my account to view payment history, among other info. They just gave me a step by step procedure about how to access my account- I tried it while they were on the phone with me but it did not work. I had tech support look into the situation and they were not successful. This is because to access their system, I need the credit card number, which I don't have ; they have told me that I can use the contract number but that does not work either and this is one of the conflicting information given to me. I have concerns with these approaches and lack of clear communication and any negative effects this might have caused my credit scores. I am also worried about future complications due to the lack of clear communication and due process from this bank on my accounts. I am interested in paying off my debt and also enjoy my credit limit as needed. Please advise.
Product: Payday loan, title loan, or personal loan

I walked in to XXXX XXXX XXXX XXXX and picked out a coach, two dresser and a sectional which came to {$1500.00}. I was offered a sale price because the business was closing and told that with {$40.00} down I could setup delivery for the items and make installments for XXXX until the balance was paid through a company they used for financing called XXXX XXXX. I paid the XXXX dollars and applied on line at the store. I was approved for much higher then I needed but only purchased the items I picked out. I received an email to approve the transaction of XXXX bi weekly and was asked for my bank account information. apparently there was a 90 days same as cash option that they interest rates would have cost me an extra XXXX dollars after that and continuing to make the bi -weekly payment it would cost me another 1500 dollars plus. I contacted the company about a week ago to say Zi should have paid this off a long time ago and they told me there was no credit that the exact amount I had paid prior to my inquiring about the over charge was all of a sudden the exact amount I owed once you add the XXXX dollars I paid originally. The company was XXXX XXXX and they change there name to Acima. There was no message sent to me about the hike after the 90 days. I asked for proof by way of signed docs that I was aware of the hike and Acima sent my a non digital stamp pdf format made up signature that was not handwritten or date stamp for when you do an electronic signature. The correspondence emails and statement of accounts are attached. This was definitely a scam from the store sales person to the finance company. I paid for the furniture twice and gave a tip.
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX XXXX for Bank XXXX XXXX occurred on XX/XX/2022 on my Experian credit report. I was notified by my credit card company XXXX about the inquiry that I did not make.
Product: Credit reporting

I did not possess any working credit cards after bankruptcy XXXX. a XXXX credit card showing balance of {$1700.00} in 1991 appeared on XXXX, transunion credit report. I contacted collection agency advising these were not my charges, they referred me to XXXX who referred me back to collection agency claiming they sold account and could not proceed. Went back & forth and finally XXXX XXXX said they could not provide me with copy of charges as they were all unverifiable! Negative info remains as of today.
Product: Money transfer, virtual currency, or money service

I've done a few transactions via transferwise. Second transfer a few months back Wise unfairly held my money and put me through hoops to get it back. This included vigorous identity verifications, horrible customer support and long waiting times. Nothing has been solved yet and my money is still on hold from this mafia.
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported in 60 days to be removed.

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

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

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 
This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports
Product: Vehicle loan or lease

On Friday, XX/XX/XXXX I submitted an online application to Capital One Auto Finance to refinance my existing auto loan. I completed the pre-approval process and submited the loan. I didn't get an immediate response, but did so within 15 minutes stating that I was pre-qualified. I was then led to another part of their website where I had to select one of two offers, which I did, then sign the credit application which they stated would cause a hard pull on my credit. I agree to their terms and the full application process initiated. After that, I received an " Approved '' application. The approved application indicated the terms I selected. The approval was only conditioned upon Capital One receiving my proff of income, which I did submit and they ackowledged reciept. When I called Capital One they also said they had to rescind the offer because of an issue on my credit regarding a Bankruptcy that was " Dismissed '' as opposed to being " Discharged ''. It was dismissed XX/XX/XXXX. ( No creditors were listed and it was done to stop foreclosure on a jointly owned property ). There was no indication on the approval application that there was still further review. I belive Capital One should honor the refinance. The decision to deny my application after approval is abitrary. We have an offer an considertion, and we both approved. I called their offies however their explanation were evasive and didn't explan where I should have understoof that their approval was not an offical approval contingent upon something other than them receiving my proof of income. There is nothin stated in the contract that there would be further review. I believe we have a contract and Capital One should abide by the terms. If I agreed to the terms and not lived up to my end, they have the right of possession and other remedies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX reports on my credit report that I owe them a balance of {$3500.00} and I'm paying {$30.00} per month and this is not true. I ask to dispute with Trans Union and they contacted the company and they say it's mine. It isn't mine and I want it taken off my credit report. 

I don't have any documents because it's not mine.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am the person making this complaint & I give CFPB authority to investigate this claim. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX and XXXX XXXX XXXX
Product: Credit card

Total Card Inc. took over when XXXX XXXX went out of business. I have not received a monthly credit card statement in over a year even though I have continually requested them. I have made my payments on time each month and have never been late. However, starting in XX/XX/year> they have failed to credit my payments properly. In XXXX I owed a balance of {$170.00} and since then I have paid {$120.00} and they show that I owe {$75.00}. I have sent them copies of all of the cancelled checks and basically they have chosen to ignore me. My balance due should only be {$50.00}. By the end of XXXX, my balance should be XXXX but the way that they are accounting for the payments I will still owe them {$25.00}. That means that starting in XXXX I will be past due on a bill where I will owe nothing. They are refusing to do anything about it.
Product: Debt collection

In accordance with the Fair Credit Reporting Act, NATIONAL CREDIT SYSTEMS INC ( original XXXX XXXX  XXXX XXXX ) has violated my rights. 15 U.S.C 1681 section 602 A. states I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Vehicle loan or lease

They got the vehicle back and they are remaining to charge me and the account has remained open
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Fraudulent XXXX Card Account on My Credit Reports Dear XXXX, XXXX, and Experian, I am writing to dispute the inclusion of a XXXX Card account that has recently appeared on my credit reports. I did not apply for or authorize this account, and I believe it is fraudulent. My personal information was compromised as a result of the XXXX data breach and the XXXX XXXX XXXX XXXX data breach , making me a victim of identity theft.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am entitled to an accurate credit report, free from false or unverifiable information. This XXXX Card account is not mine, and its presence on my credit report constitutes an inaccuracy. 

I demand that you : Investigate this account under FCRA 611. 

Provide documentation verifying the legitimacy of this account and my obligation to it, or remove it immediately. 

Permanently delete this account from my credit reports if it can not be verified. 

Please conduct a prompt investigation and provide written confirmation of the removal of this fraudulent account. Thank you for your attention to this matter and for ensuring the accuracy of my credit reports. 

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

XXXX : XXXX/CROSSCOUNTRY MORTGAGE LLC ran a hard credit inquiry without my permission. 

XXXX : I was informed of this check through Chase Bank credit monitoring. 

XXXX : I sent a message to Crosscountry Mortgage, LLC through their website informing them that they conducted an unauthorized inquiry. Pending response.
Product: Debt collection

My name is XXXX XXXX. I am writing in regards to a XXXX XXXX/XXXX XXXX XXXX account ( XXXX ) that I have in collections. After calling and trying for weeks to resolve the debt in question as well as writing the company, I have not received any response from them. At this point I feel as though I have exhausted all of the resources offered by their associates and website. This debt stems from an account that I had with XXXX XXXX in XX/XX/XXXX that was reported to collections in XX/XX/XXXX. During XX/XX/XXXX, I moved from the address where I was receiving services from XXXX XXXX. Once they were notified of my intent to relocate they assured me that my services could travel with me and that if they couldn't my contract would be nullified. Once I had arrived to my new address in XXXX, California, it was discovered that XXXX XXXX did not actually provide services in that area at that time. Associates from XXXX XXXX then apologized for their inability to serve us and lamented that our contract would be absolved. After roughly three years, I noticed an account in collections being reported to my credit. When I realized it was for this XXXX XXXX account, I immediately called in to see where our miscommunication was. The first representatives name was XXXX, he maintained that the account was in fact not in collections nor reported to credit bureaus and that I only needed to return the XXXX XXXX equipment that was still in my possession. XXXX continued that if the equipment was returned that I would not owe anymore money to XXXX XXXX. This seemed reasonable as I know that the equipment is of value to their business. Within a week I had the equipment returned, I called in to report the reference numbers ( XXXX & XXXX ) provided by the mailing agencies that XXXX XXXX uses to track returns. At this time I spoke with a female associate who stated that she had input the reference numbers and that I should give their system some time to reflect the returns and call back. Once I did call back, however, the next associate I spoke with told me that the balance was not cleared but only lowered and that I still owed for an early cancellation fee. After explaining my particular situation to him and eventually escalating my call to a manager I was able to speak with someone who said that they would annotate my account and have someone with the ability to honor what was guaranteed to contact me. After allowing a week to pass and not getting any updates I called back in to follow up only to find out that my account had not been notated at all forcing me to re explain the situation and start all over. At this point my frustrations began to develop and I escalated my call once again to management. This time the manager instructed me to write a letter to XXXX XXXX Collections department. That has been over a week and a half ago and I have yet to hear back from them. I am looking to buy a home and these types of discrepancies on my credit are unacceptable in this process. I am not paying for a debt that I should not be charged for in the first place. I hope that this attempt may bring me to some type of resolution.