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

XX/XX/2023 - I was sent an email offer for a promotion to lower my interest rate on purchases to 3.99 % for a defined period of 6 months. 

XX/XX/2023 - I accepted the promotion that was offered. 

From XX/XX/XXXX - XX/XX/XXXX I used my card on purchases more frequently than usual because of the lower 3.99 % rate that was offered. Rather than use other credit cards which were at a much higher rate, I enjoyed taking advantage of the offer made by American Express. I also saw this as an opportunity to earn Skymiles under a lower purchase rate. 

During this time period I have made all of my payments on time and was even offered a card upgrade on numerous occasions. Holding a higher than normal balance during this time was completely reasonable given the lower rate. There were no excessive purchases and my balance to available credit limit remained below 50 %, despite the promotion. Once again, I was offered this promotion to clearly use the card for purchases during this time period, which I did. 

XX/XX/2023 - I received a surprising email correspondence indicating my credit limit was being reviewed for a reduction and if I made a significantly large payment of XXXX  within 3 days, that review would no longer occur. Let me add, this was sent during the promotion period. The demand felt like ransom in nature and completely contradicted the offer that I accepted in XXXX to use this card for purchases at the promised 3.99 %. 

I made a phone call to American Express to ask for a more defined explanation and to communicate my concerns of the credit impact this would have on myself if they reduced my credit limit. I explained that it felt unfair to be offered a promotion intended to encourage more usage of my credit line and then have them turn around and reduce it, ultimately hurting my credit score with all applicable bureaus. 

The customer service representative shifted accountability to another department and assured me this was only a review that occurs. I was still concerned but felt American Express would review my conversation with their customer service representative and realize how misleading the promotion has been as well as the negative impact this will have on their customer. 

No further communication was received by American Express. 

XX/XX/2023 - I received an email correspondence that my credit line was reduced. Not only was it reduced, it was reduced so low, my balance is nearly at that limit. My credit scores will be negatively impacted and this will certainly impact our family in the event we need to seek financing in the near future. 

I realize American Express has the authority to reduce a credit line under certain defined circumstances. However, this decision was made after a promotion was accepted that encouraged purchases, all payments were made on-time, and my concerns were communicated regarding the unfair impact this may have on myself. 

While this does negatively impact my family, I am sure this practice has created financial setbacks for many other families. It was enticing, misleading, and felt bullying in nature.
Product: Checking or savings account

On XX/XX/XXXX M & T bank called me to ask if I had opened an account with them. They noticed multiple accounts were being opened and it looked odd to them. The next day I had received an XXXX card from them because a fraud account was open.
Product: Credit reporting or other personal consumer reports

Trans Union has not addressed my request so I may contact and check that I am Still listed as alive
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 - XXXX, Experian and XXXX. I am requesting the removal of all hard and soft inquiries that are older than two years old.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched 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 any item 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 XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$390.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Bankruptcy DXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

The practice by chime XXXX XXXX  is now lawful and legal. Because the definition for overdraft in the XXXX XXXX XXXX  is defined as Loan arrangement that enables individuals or businesses to borrow up to an agreed limit without prior approval. Overdrafts can be paid off at any time and interest is charged on the daily debit balance. Overdrafts can be? called? by a bank, usually in response to a fall in the borrower? s credit rating, the suspicion that the borrower may default on the overdraft loan, or when the borrower has not paid off an overdraft loan and it has become a? hardcore? debt. 2. The debit balance of a bank account where more funds have been withdrawn than have been deposited. The XXXX XXXX  for spotme is defined as is nor terminology states anything about a extended access to an overdraft program. Thus, being there are ambiguous instead of the policy and practice being unambiguous. an optional, no-fee service that lets members with an active debit card make certain transactions that overdraw your Chime Checking Account. I have attempted to resolve this by letting chime know that I have been receiving a XXXX dollars plus into my account since XX/XX/2023 and no direct incentives have been applied except a XXXX dollar XXXX not overdraft where I can overdraft up to XXXX dollars. An was denied. Customer satisfaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is a previous complaint # XXXX The result of that complaint was a offer from the debt settlement Company of {$800.00} they sent me a paper with the information without any explanation. I am in a fixed income having a financial hardship then I signed in XX/XX/2018 the document with the promise of receiving the money in the following 1 week and give the document back to XXXX XXXX. Since then three months has passed and I never heard back from them and all the calling attempts to ask for the money back were in vein. They always saying that the check in on their way but I have not receive it yet. 

I was looking for help with my debt and I got the information from the settlement company called XXXX XXXX XXXX. XXXX XXXX XXXX representative from the company that told me that in six months my debt will be negotiated. Total amount paid during 16 months was {$6800.00} minus two creditors that were paid total of {$2500.00}. I couldn't complete the program due to my financial hardship and they never explain my rights or options from the beginning, for instance I am a senior citizen XXXX year old with a fixed income less than {$500.00} SS, without any job or other source of income and they never told me I was protected from the creditors or collections. With the hope they gave me I was taking food from my table with the hope to clear my debt. Then after I interrupt the contract they didn't returned my money back the difference of {$4300.00}. 

I am also trying to contact the intermediary bank they use for this purposes XXXX XXXX XXXX ; I spent unsuccessfully hours on the phone waiting for a representative. I sent them letters twice and they never replied to verify the statements or detail information about the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus never did a proper investigation according to the FCRA The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They DID NOT do this.

Also, they have violated my rights even more In accordance with Fair Credit Reporting, EVERYTHING has to be 100 % accurate on my credit report.

The Credit Bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and/or date last reported is not accurate. This is GROUND for removal.

They also violated the law because according to 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 I did not give anybody written instructions!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX account XXXX has violated my rights. 
15 U.S.C. 1681 section 602 A States I have rights 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 instruction. 
XXXX XXXX XXXX Last reported XX/XX/XXXX {$120.00} Open balance XXXX XXXX XXXX XXXX Original creditoXXXX XXXX XXXXpened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm resubmitting this CFPB complaint to express my fury and profound disappointment over the bogus things that were reported on my credit report. The fact that there are multiple items that I did not open or know about and that it is obvious my identity has been stolen is unacceptable. The aforementioned items include : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$4800.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX are a blatant violation of my rights and have severely impacted my financial standing. I insist that you launch an investigation right now and erase these false entries from my credit record right away. As a consumer, I have the right to dispute any inaccurate information on my credit report, and it is your legal obligation under the Fair Credit Reporting Act to conduct a thorough and prompt investigation into this matter. I expect to get a written response from you describing the results of your inquiry and the efforts you have taken to correct this situation.
Product: Credit reporting or other personal consumer reports

I'm trying again to let you know that I'm a victim of identity theft and that I want to challenge some records in my file that were not lawfully obtained. The records I'm looking at have nothing to do with any ownership of any products, services, or money being acquired by me or my authority. If no one was interested in learning the truth, remove from my credit report any information that appears to have resulted from an alleged extortion or scamXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

To whom this may concern, The following companies currently, or at a point in time were either, opened accounts, accounts that were inquired about, or either locked accounts with too many failed log in attempts. Over the course of the years I have tried everything to get my identity theft issue resolved. I have set up security locks with all 3 credit bureaus, hired a credit repair agent to remove fraudulently opened accounts, reached out to each creditor directly to provide supporting documentation in regards to proving my identity. Majority of the fraudulent accounts were completely removed except for Spotloan, which is now showing a balance of {$830.00} on all credit bureaus, XXXX XXXX, XXXX XXXX, and XXXX which are charge offs now. I will be filing a police report, and reporting to the Fair Trade Commissions website. I will provide a list of the following companies involved ; XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX   XXXX, XXXX, XXXX, XXXX, and XXXX.
Product: Debt collection

To Whom It May Concern, The reason for my dispute is CHOICE RECOVERY INC # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, CHOICE RECOVERY INC failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and thestate of OHIO allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) CHOICE RECOVERY INC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. CHOICE RECOVERY INC is held liable as well for defamation and in the state of OHIO a creditor is who collects on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO LAW. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. XXXX XXXX XXXX. has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!
Product: Checking or savings account

My chime card was compromised and {$XXXX.00} was taken from my account from cashapps I do not know, Unauthorized Debit Transaction. I called chime XX/XX/year> to dispute the charges. Less than XXXX hours my dispute was denied. I asked for the documents and reasoning behind my dispute being denied. I received the email of the documents that lead to chime denying my dispute today and the email only has the questions I was asked when I first called to dispute the charges. There was no information in the email that tells me how chime came to their conclusion. I even called chime on XX/XX/year> to figure out the reason and no one could give me an answer.
Product: Credit reporting

XXXX has never provided a full accounting of debt owed to the XXXX XXXX even though requested on numerous occasions. No invoice, statement, letter or electronic notice every provided to request payment. When I called and spoke with representatives ( XXXX XXXX XXXX XXXX. XXXX XXXX, in XXXX XXXX, I was told to wait for reconciliation and notice to be sent ). Nothing was every provided. It was then reported to US Dept of Treasury XXXX a debt owed, US Treasury sent demand letter and I responded same day with payment and undeserved late fee, which was cashed on XXXX/XXXX/XXXX from my bank account. They then reported on XXXX/XXXX/XXXX that I was 180 days late on a federal debt. When I called, they could not locate payment, or evidence of request. They will not remove or correct, and insist on additional payment even though I have proof of an on time payment. They continue to report this fraudulently even though I have asked them to cease and desist. I have offered to pay in entirety if they would provide full statement or any other accounting of funds due - they refuse, and continue to misreport the debt on my credit. The only document ever to request payment was from US Treasury was on XXXX/XXXX/XXXX and I responded with payment immediately. This is a gross mis-representation and jeopardizes my credit and employment. Please assist.
Product: Credit card or prepaid card

On XX/XX/2018 my wife and I went to XXXX XXXX XXXX # XXXX in XXXX MA to purchase two car seats during their going out of business sale. One was more expensive than the other. We paid with a Bank of America debit card. This transaction was for {$100.00}. 

When we returned home, my wife noticed that we were overcharged by {$8.00}, and she noticed that the cashier had scanned the more expensive seat twice, probably thinking they were the same. She returned to the store to explain the situation, and the cashier explained that due to their bankrupcy no refunds or exchanges were possible, however the manager said the only way to do this was to " post-void '' the transaction and re-ring it for the right amount ; {$99.00}, which was done. 

A few weeks later when reconciling our statement, we noticed that both charges were still there, and our account was {$100.00} short. By this point the store was closed and there was no way to get help from the retailer, as XXXX XXXX XXXX was gone. So called Bank of America and explained the situation. They put in a dispute for us, and gave us a temporary credit of XXXX. A few weeks later the credit was revoked suddenly ( putting our account negative ) and a letter was sent saying that our dispute was denied. Over the next few weeks we faxed receipt, re-opened the dispute several times ( they kept closing it, claiming they didn't receive our faxes even though we sent them from Bank of America branches with employee assistance ) and provided a scan of the void transaction receipt the manager gave us. The Bank of America lawyers state that because my wife signed the first receipt for XXXX the charge is legal, and the post-void doesn't mean anything. They also told me that technically no transaction could ever be post voided, and XXXX XXXX ' XXXX, knowing this, effectively stole from us. I questioned if, that being the case, Bank of America would stand by us, and they said the lawyers have tied their hands to help, and I had to accept the loss.

At the end of the day we paid for 4 car seats but only received 2. We allowed the second charge in good faith that the first one was post voided, per the receipt we received. If XXXX XXXX ' XXXX had provided us with 4 car seats, why would they have presented that post void? Bank of America has copies of all this documentation, but I can provided them again on demand. 

If the first charge stands, due to some odd legal loophole ( even though I did not received the goods described ) then the second one is fraud because I did not receive any merchandise at all. 

Thanks for anything you can do.
Product: Credit card

I recently received an unsolicited Amazon.com Rewards Visa Card in the mail issued by Chase Bank VA, NA. The card has moderate to generous reward options. I subsequently received a letter in the mail from Chase ( again unsolicited ) referring to the issued card saying they would need more financial information in order to approve me and that I was to call XXXX with a Reference Number. I am not sure if this is a XXXX XXXX type incident where someone is getting bonuses for issuing cards, a spear fishing style scam or if my ID was compromised but in either case it is concerning. I did call Chase Bank to cancel this card and inform them of my concerns ( not revealing any of my financial data ) but they told me to call back tomorrow to XXXX which on reverse lookup is listed as an unlisted mobile number - not calling it.
Product: Debt collection

Portfolio Recovery Assoc on my credit report is misrepresented : ( 1 ) states that the debt was new as of XX/XX/XXXX and that it came from XXXX : this debt results from a XXXX, XXXX purchase on credit of a XXXX laptop computer, financed with XXXX XXXX. Was not paid in full to XXXX because of a dispute with XXXX over a incorrect balance including hundreds of dollars of late fees and interest. I have all of the statements from XXXX back to the purchase in XX/XX/XXXX. I have communicated with Portfolio and several credit companies before them but they do not seem to understand the problem and of course have misrepresented this debt. I have also disputed with a Credit Company to no avail.
Product: Payday loan, title loan, or personal loan

This a consumer complaint being submitted by XXXX XXXX for the notice of adverse action provided to the claimant on XX/XX/2023 by Upstart Network in regards to a {$50000.00} personal loan finance application. 

The financial lending company Upstart is in violation of CFR 1002 of the Equal Credit Opportunity Act by denying the consumer 's rights when the consumer has clearly shown creditworthiness as an applicant with a valid social security number. 

Consumer should not have been denied any extension of his own credit when the consumer has shown his creditworthiness, evidenced by his ability to contract on this finance application ; CFR 1002.1 ( b ).

All the proper fields were submitted to make this a valid application under CFR 1002.6. There should be no reason for the denial on this application for being " incomplete, '' unless it was done so on a discriminatory basis. Any factors other than the creditworthiness of the applicant that contributed to the notice of adverse action are not valid reasons for the denial of this finance charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

XX/XX/XXXX late payment report is incorrect, called creditor and spoke with a representative, I was told to dispute the late payment and that they would correct the issue with all 3 credit bureaus. 

XX/XX/XXXX - Followed up with XXXX XXXX ( creditor ) and was told the same information by a representative.
Product: Credit reporting or other personal consumer reports

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