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

I have been a card member for American Express since 2018 and was approved for XXXX credit limit. Out the blue they dropped me to a {$1100.00} credit limit but i wasnt provided an adverse notice about it. I received an email this morning from American Express about updating my income which i did and i submitted request via chat to increase my credit limit and i was denied. Without an adverse notice provided again. When i downloaded the results from my request i received a blank page. 

When i called and spoke with a representative she indicated that i was denied due to having other accounts with balances? But my balances on my other accounts were below 30-35 % When you are denied credit limit increase you are suppose to receive an adverse notice that explains the detailed explanation as to why the Decision was made and American Express didnt do that
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my checsystem report I noticed I have serval fraudulent inquiries on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe my account was compromised. I tried to dispute this with equifax already. I did not apply with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX requested balance was $ XXXX settlement amount with XXXX  balance of {$0.00} documentation to support both. 3 months later USFunds request balance of $ XXXX will not accept XXXX {$0.00} balance letter of settlement. still damaging credit still adding interest. Someone needs to close account or owes me settlement amount back! I also paid takes as a earned income for the balance of $ XXXX
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

Calling my cell # XXXX also. Unkown debt possible scam.
Product: Mortgage

Wells Fargo purchased flood insurance on my home and is billing me even though I have sufficient insurance and have provided proof. They claim the amount must match my home owners policy but that is not true as per the attached letter from them. I have {$170000.00} coverage which is the amount determined by the insurance company. In addition, I contacted Wells Fargo before placing this policy and was assured it was adequate.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I recently obtained a copy of my credit report and discovered that you are reporting inaccurate information about me, which is a violation of the Fair Credit Reporting Act ( FCRA ) and requisite METRO2 compliant reporting standards. Specifically, the alleged collections account in question are listed to have different XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$13000.00} XXXX {$13000.00} Equifax {$13000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Equifax XX/XX/XXXX date of last activity been reported incorrectly & has a past due which is another violation FST PREMIER date of last activity been reported incorrectly & has a past due balance Under the FCRA, XXXX have the right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable, and accurate. Therefore, I request that you immediately remove these accounts from my credit report and provide me with an updated report showing your compliance with all METRO2 reporting standards, with these accounts removed upon completion. 

I expect your prompt attention to this matter and confirmation of the removal of this inaccurate information.
Product: Credit reporting or other personal consumer reports

I sent XXXX letters to XXXX  XXXX  company and the companies hasn't responded in the XXXX  days XXXX reached out to the companies and notified them as well with a XXXX follow up letter that they haven't responded in the time allowed and now XXXX  requesting to have theses items removed from XXXX XXXX reports. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have received calls and voicemails on the following days and times : XX/XX/2023 - XXXX XX/XX/2023 - XXXX XX/XX/2023 - XXXX XX/XX/2023 - XXXX XX/XX/2023 - XXXX XX/XX/2023 - XXXX XX/XX/2023 - XXXX XX/XX/2023 - XXXX XX/XX/2023 - XXXX XX/XX/2023 - XXXX XX/XX/2023 - XXXX I blocked their number XXXX ( XXXX ) XXXX on XX/XX/2023 but they have continued to call me from that number and another number - XXXX ( XXXX ) XXXX. 

I answered their call on XX/XX/2023, and they said they were calling from Harris and Harris Limited. I was asked to verify my name, address, phone number, and birthday. I asked them to read to me what they have down and they refused. I then asked them what agency they are calling to collect debt from, and they told me that they could not answer that until I divulged the previous information. I told them I could confirm or deny the information that they have recorded and go from there, but was not willing to outright share it, especially not knowing what agency they are calling for. They again refused to tell me, so I told them I had to believe that they were scammers and to STOP contacting me. They started to raise their voice, so I hung up and I blocked the number ( XXXX ( XXXX ) XXXX ). I have continued to be harassed with calls and voicemails from this number and the new number that I blocked on XX/XX/2023. 

The voicemails are automated and claim to be from some bozo by the name of XXXX XXXX.
Product: Debt collection

loan was taken out on XX/XX/XXXX   ( 6 mos ) XXXX XXXX XXXX AMOUNT XXXX $ I have not supplied proof under the doctrine of estopper by silence, Engelhardt v Gravens ( mo ) 281 SW 715,719, 1 presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am writing to inform you that I am a victim of a data breach or fraudulent information, as per the provisions outlined in FCRA Sections 605B, 615 ( f ), and 623 ( a ) ( 6 ). This letter serves as a formal request for the permanent removal of fraudulent information resulting from unauthorized items appearing on my credit report. 

1. This inquiry was made without my knowledge or consent. 
XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

2. Reported without valid evidence XXXX XXXX XXXX Account Number : XXXX Please delete from my credit report immediately 3. Reported without valid evidence XXXX XXXX XXXX Account Number : XXXX Please delete from my credit report immediately I have reported this incident to the Federal Trade Commission and have attached a copy of the filed complaint to this letter. 

These fraudulent information should be deleted from my credit report in the next 5 days. Please see the attached file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

Multiple emails sent from XXXX requesting a specified amount ( {$78.00} ) be paid to settle a XXXX negative balance. 
Forwarded each email to XXXX as site instructed. 
No transaction matching the debt has occurred on the XXXX account. 
Response from XXXX : Thank you for reporting a fake website XXXX ( XXXX ) Emails sent XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/2021 as reminders of negative balance. 
In each instance the XXXX account associated with the receiving email ( XXXX ) was checked and there was no balance an no recent transactions. 
XXXX XX/XX/2021, letter received from American Coradius International LLC claiming to represent Creditor : XXXX XXXX XXXX Account Numner : XXXX in attempting to settle the {$78.00} account balance. Offered to accept {$59.00} as partial payment. Required notification to dispute the debt or it will be assumed valid.
Product: Credit reporting or other personal consumer reports

I notified the company that is reporting this inaccurate information information that is not mine and the furnisher has not responded. I also contacted the credit reporting agencies reporting this information which is XXXX who sent me a response but it didn't mention anything about a verification, only that they would contact the company reporting this information and XXXX never responded.
Product: Vehicle loan or lease

I paid off the lien back in XXXX and was sent the lien satisfied letter but was it not updated electronically to the North Carolina DMV. They have stated on their site that they do this for states that have this option. It is also required by law in the state of North Carolina. The first time I called the representative hung up in my face. The second representative said they don't see where North Carolina is an ELS state. I told them it's literally on their website faqs and it's NC DMV information. She just kept saying that's all the information that she had. I asked to speak to supervisor but was told none was available and that she could only take number and try to get someone to call me back. I asked could I have an email so that I could communicate with someone in writing for my records and she said that she could not give me anyone 's direct contact
Product: Credit reporting, credit repair services, or other personal consumer reports

On yesterday XX/XX/XXXX, I logged into XXXX and saw that my Equifax has dropped 4 points. This was very confusing. Then I logged into XXXX on this morning XX/XX/XXXX and saw that my Equifax score had dropped another 20 points. I called XXXX and talked to a representative XXXX and she told me that it dropped because XXXX XXXX XXXX, my credit card agency, reported that I had a XXXX balance. I told her that this did not make sense to me because it was for this reason, that I had a balance of XXXX when XXXX XXXX reported to XXXX on XX/XX/XXXX and for this reason, my score went up 28 points. So I was having difficulty in understanding how my score can drop 20 points simply because I had a XXXX balance with XXXX XXXX XXXX when for this reason, my score increased 28 points on XX/XX/XXXX ( see attached ). 

I have a number of issues with the companies involved. First, my credit balance of XXXX ( above issue ) at XXXX XXXX caused me to increase my score on XX/XX/XXXX by 28 points and I was given the explanation that for this same reason, my score dropped 20 points. When XXXX XXXX reported a balance over the limit, it only dropped 4 points so if this above explanation is true, then having a balance of XXXX  would cause your score to drop 24 more points than being over the credit limit. I would think being over the limit would show more financial irresponsibility. 

Furthermore, the second issue is, I noticed that when XXXX XXXX reported that I had a XXXX balance on XX/XX/XXXX, my credit score dropped 4 points ( see attached ) and then when XXXX XXXX reported XXXX balance again on XX/XX/XXXX, it dropped 20 points. Why did XXXX XXXX reported so quick in succession? and this single report was used to drop my score 4 points on XX/XX/XXXX and then again on XX/XX/XXXX it dropped 20 more points. Why was this one action by XXXX XXXX charged against my credit score to drop my score twice, two days in succession. This does not seem right or ethical and it does not seem right that XXXX XXXX would report twice quick in succession. I also believe that XXXX could possibly been reporting wrong scores because when I checked myEquifax, my score did not match what XXXX was showing and I doubt if the explanation by the XXXX representative was correct or that XXXX was correct in showing these decreases in my score and for the reasons stated. I feel that all of these companies needs to be investigated.
Product: Credit reporting or other personal consumer reports

My Information was leaked in several data breaches. For the last three years I should have no inquires on my account. All the addresses on my accounts are incorrect except my current address. XXXX XXXX XXXX XXXX FL XXXX. I also have a late payment that were never late. I have an account on my report from XXXXXXXX XXXX  that is not accurate I never had an account with this bank.
Product: Credit card

XX/XX/2023 I received a credit card from a company and on the card was an activation sticker for Fortiva. So I called the number to activate the card and the automated system couldn't find my information. So I spoke with a man who couldn't find it either and asked for more information to " try to find it ''. I didn't think anything of it because it's not unheard of for companies to outsource certain things. It didn't seem odd that Fortiva may have been handling the activations for my card company. Well, the man said he couldn't find the account and told me I should reach out to the company that I got the card through. I asked him who I should speak with about the sticker being on my card and he hung up which seemed odd. So I trying looking the number up, and clearly it's a ghost number. So I called Fortiva directly from the number on their website to discuss the issue with their fraud/scam department ( concerned I just gave my private info to a scammer ). They looked for my account ( which I explained that I do not have ). The lady informed me that I can't do anything with fraud or scams unless I have an account. She offered to transfer me to applications. I explained that I am not interested in an account, but I am concerned that there is a scammer pretending to be a representative of Fortiva with activation stickers being placed on credit cards to gather personal information. She stood her ground that there was nothing they could do unless I had an active account with them. Thankfully the company I received the card from was quick about canceling the card and marking it for fraud, but it still raises the question for me as to how and why this activation sticker was put on my card with a ghost number for people pretending to work for Fortiva.
Product: Credit card or prepaid card

In XXXX, my mother, who lives at the same address, sent a letter to Comenity Bank, indicating that she wanted to close her XXXXXXXX XXXX Card. Unfortunately, we have sold our home since that time and are in temporary housing and we can not locate a copy of the letter. However, Comenity Bank should have a copy of the letter in their files. 

I have made some attempts to order through the XXXX website which were unsuccessful. I kept getting a Token mismatch error, which I thought was a website problem. Finally, a XXXX representative told me to call the credit card company. It took me a couple of weeks to do so due to the fact that I was in the middle of selling my house and vacating the premises. When I inquired of Comenity, they told me that my card was shut down. 

At that point, I knew that they had mixed up my mom 's request to shut down her card, and had shut down my card instead. 

I asked them to reopen my card. Comenity says they can't do this. I will have to reapply for a new card. I will lose all my status with XXXX ( free shipping, points status, etc. ) A new card is not the same as my old card. This is not apples to apples. 

This is Comenity 's mistake. My mom 's letter contained her name and credit card number. There is NO reason why my card should have been shut down. I have been a 15 year customer for Comenity. Also, my Mom 's account, is still open and she wanted it closed down. 

( Now, I wish that I had realized Comenity 's mistake earlier, but I had a good deal going on in my personal life with selling and buying a house and moving from XXXX state to another. Comenity seems to blame this on me, because I should have notified them earlier. I think that is very poor customer service. ) I did talk to a nice manager, XXXX, today, but she was unable to offer any guarantee that the issue would be resolved favorably. This needs to go to an executive to be resolved, so I am filing the CFPB complaint.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent a letter to Transunion regarding a request to investigate things that I believe to be inaccurate and/or incomplete in my credit report. Transunion responded back with a stall letter on XX/XX/year> stating that it was not me but a third party trying to fix my credit. However, I mailed this from my own house. I am not sure why they think Im a third party as I am trying to fix my own credit while getting these inaccuracies removed as I am trying to get a vehicle
Product: Debt collection

This is my place of business. The number being called is the main desk number that is answered by customer service representatives. Not once has my personal cell phone nor home phone be used to attempt to contact me regarding this matter. I have no idea who is calling -- they never leave a message once transferred to my direct line.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting on my credit for a XXXX debt that is over 8 yrs old and was paid a long time ago. When I called them they said they do not have the account anymore and they sent it back to XXXX in 2012. Yes they are currently reporting and damaging my credit. 
The debt is past the CA statute of limitations also and I do not owe it.
Product: Checking or savings account

I previously submitted a CFPB complaint because I was the victim of multiple fraudulent charges to my bank account ( Complaint # XXXX ). The bank responded and that complaint was closed. However, in its response, the bank failed to address or resolve one remaining fraudulent charge to my account. This outstanding charge occurred on XX/XX/2023, to XXXX XXXX for {$490.00} to someone named XXXX XXXX. I immediately disputed this charge explaining that I never authorized this nor do I know anyone named XXXX XXXX. I received a provisional credit for the charge on XX/XX/2023 ; however, the bank reversed the credit claiming I " received services or merchandise ''. This is completely untrue. I never received anything or authorized the transaction. I have attempted to reach out to the bank multiple times. The bank has stonewalled me just like last time, telling me that they are looking into my issue and will call me back, and then never doing so. This is a very frustrating ordeal and very unfair to me. I am a XXXX XXXX on a limited income so this is particularly stressful to my well-being and ability to survive financially.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I will like to take actions against the perpetrators that's fraudulently using my identification. Accounts are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

ACCOUNT NUMBER : XXXX ACCOUNT BALANCE : {$7900.00} To Whom It May Concern : I am writing in reference to the collection account reported on my credit file associated with the account number mentioned above. This account is negatively impacting my credit profile, and I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) to request validation of this debt and to demand that you cease all communication with me regarding this matter. Pursuant to 15 U.S.C. 1692g, I request that you provide the following information to validate this debt : 1. The name and address of the original creditor.

2. A copy of the signed agreement or contract that allegedly obligates me to pay this debt.

3. A complete account history, including all charges, payments, and credits applied to the alleged debt.

4. Documentation showing that you have the legal right to collect on this debt. 

Until this information is provided, I demand that this collection account be removed from my credit report as reporting inaccurate or unverifiable information violates 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681s-2 ( a ). Additionally, under 15 U.S.C. 1692c ( c ), you are hereby notified to cease and desist all communication with me regarding this matter. Any further attempts to contact me will be considered a violation of federal law. 

I expect written confirmation that this collection account has been removed from my credit report and that you have ceased all collection efforts. 

Thank you for your prompt attention to this matter. 

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

I submitted my first dispute request over 60 days ago and I have yet to receive any updates regarding my request from any of these bureaus. This is now my 2nd request and listen I'm pregnant and due to have this baby in 2 more months I don't need all this stress worried about incorrect information in my report. I have to find a bigger place to live before this baby comes and this is hindering me from being able to do so. I'm not sure what the hold up is but I need some anwers an update or something. If I go into XXXX XXXX worried and stressed about this I will file a lawsuit. The FCRA stated that if nothing is done within 30 days it should be deleted well I have been waiting more than 60 and I can't wait anymore. Your website says you are here to protect the consumer well I'm a consumer and I need to be protected not giving the runaround when I call they say they dont have anything which I know aint true or they say they need to verify my identity how many times do I have to send my gas bill and social security card? I pray someone can help me this is tiring and stressing me out