23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

In XXXX of this year my account was paid in full by the card security that I was paying monthly for on my Amazon store card. After that occurred they lowered my limit to {$100.00} and I have not used that account or anything since that time. I went online today to speak to someone through their chat line to find out if by chance they could increase the limit as {$100.00} was nothing to spend on their site, there major feature Amazon Prime is {$99.00} a year and that would have made up the whole available limit that shows available to me to spend as the pdf shows under my account on Amazon Store Card. When the agent looked into the account she stated the account was closed due to a management decision and that I was sent a letter which I never have received. I feel that this company is ripping people off by advertising and wanting customers to pay for the card security but once they have to use that card security that is supposed to help their account then they lower the limit where the customer can not purchase anything and then cancel the account without even notifying the customer or showing as closed online ( again as evidenced by the .pdf of my account page that was taken just today on XXXX/XXXX/2016 ) which plainly shows I have a {$100.00} available to spend. I feel this company is practicing both illegal and unethical practices by penalizing and even closing customers accounts after they " have '' to use their account protection due to whatever reasons ( job less, medical, XXXX ). And this can be viewed just by doing a quick google search and you will see how I am not the only customer this has occurred to. Even the debt cancellation letter they sent showing where the amount was paid never mentioned they were dropping the credit limit or even closing the account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information on my credit report In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX
Product: Debt collection

Paragon revenue group reported a debt to creditors prior to notifying me of the attempt to collect a debt, and willfully admitted it during our conversation in an attempt to resolve the issue. Customer service rep XXXX and customer rep XXXX were both EXTREAMLY in professional to me, my wife, and failed to put me in contact with their supervisor in an attempt to pay my debt in full. They both used deception and un professionalism to conduct themselves. It was the worst experience I have ever had with a company.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more then 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) 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.
Product: Debt collection

I, XXXX XXXX, being of sound mind and legal age, do hereby declare the following statements to be true, correct, and not misleading to the best of my knowledge and belief : 1. Pursuant to XXXX XXXX, I am formally demanding that Midland Credit Management provide full disclosure of all financial records related to the alleged debt associated with the account ending in XXXX. 
2. I am demanding the following specific documents : o A complete and accurate Forward Flow Agreement.

o The Bill of Sale for the above-referenced account.

o The Purchase Agreement and Chain of Assignment.

o The last payment date associated with this account.

o The first date of delinquency for this account.

o Any and all documents bearing my wet signature that allegedly establish a contractual relationship between myself and Midland Credit Management.

3. I hereby request that all aforementioned documents be provided to me within ten ( 10 ) days from the date of receipt of this affidavit.

4. I am filing a report with the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) regarding fraudulent credit card practices. I feel that I am being targeted by predatory debt collection practices from Midland Credit Management, which preys on individuals facing financial hardship, including uniformed personnel.

5. Midland Credit Management has violated the following laws : o XXXX XXXX XXXX. XXXX - Fair Debt Collection Practices Act ( FDCPA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 4 ) - False or Misleading Representations XXXX XXXX XXXX XXXX XXXX XXXX  - Furnishing Deceptive Forms o XXXX XXXX XXXX. XXXX - Mailing Threatening Communications XXXX XXXX XXXX XXXXXXXX - Unconscionable Contract or Clause Failure to provide the requested documentation within the specified time frame shall be considered as an admission that no such documentation exists and that Midland Credit Management lacks sufficient legal standing to pursue collection efforts. 
I affirm under penalty of perjury under the laws of the State of Illinois that the foregoing is true and correct to the best of my knowledge. 
Executed on this XXXX of XX/XX/year>. 
________________________________________
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I initiated a deposit of {$3200.00} to my Blockchain.com account with the understanding that the funds would be available to make a crypto purchase immediately. I received email confirmation of the deposit, but was unable to make a purchase or get in touch with a support agent. On XX/XX/XXXX, I requested that blockchain.com cancel the deposit as it was still pending. On XX/XX/XXXX, the deposit was completed ; I tried withdrawing the funds from the account, but the app said withdrawals are temporarily unavailable, so I filed a dispute with my bank. On XX/XX/XXXX, blockchain.com finally responded to my queries stating Regrettably, we do not have any current updates regarding the reactivation of ACH Withdrawals.. I then researched the issue and found out that withdrawals have apparently been unavailable since XXXX of 2023 ( despite there being no issues with deposits ). I have not received any additional updates from blockchain.com since XX/XX/XXXX when they provided links to unhelpful support articles and unacceptable alternative solutions that would ultimately cost me more money and put my funds at risk.
Product: Credit card

I applied for a secured credit card over the phone I offer collateral diversity account land deeds Real estate investments along with the UCC1 filing statement and was denied credit
Product: Debt collection

I was garnished by a collection agency that I did n't even have a chance to answer their claim against me. I received notice from my employer just before the XXXX garnishment on my paycheck when I checked on the debt, it 's with XXXX companies I did n't have an account with. XXXX of the original bills was from 2004. I received the court documents 1 month AFTER it was submitted to the courts AND after my garnishment began. They have my name spelled incorrectly. The judge who signed off on the garnishment is an Oregon XXXX, I live in Washington. The debts they claim I owe are over 10 years old. The Attorney is XXXX and XXXX XXXX at Law in XXXX Oregon. I do not feel I owe these debts. I have never owned a XXXX credit card or a XXXX phone account. The court Case number is XXXX The Collection Agency is XXXX XXXX , XXXX.
Product: Vehicle loan or lease

Toyota Financial falsely says I owe money and it is fraud. Toyota has never shown me proof I owe the money even after asking for verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter of denial from XXXX  XXXX XXXX. In the letter it reads. Disclosure of use of information obtained from an outside source. 

The outside reporting agency is. CBCInnovis Consumer Assistance. This agency listed my credit worthy from XXXX, XXXX and XXXX. 

It states under XXXX : Serious delinquency, number of accounts with delinquency. 
Under XXXX : Serious delinquency, number of accounts with delinquency. 
Under XXXX : Derogatory public record or collection filed, length of time since derogatory public record. collections too short. 

I contacted CBCInnovis and I was told to contact XXXX, XXXX and XXXX. Non of what CBCInnovis report to XXXX XXXX XXXX is true. I received copies of my credit report and none of what CBCInnovis reported is on my credit report with XXXX, XXXX and XXXX.
Product: Credit card

I am writing to file a formal complaint regarding the mishandling of my American Express account, specifically my card ending in XXXX, for which I have maintained a credit limit of {$35000.00} for many years. On or around XX/XX/year>, the balance on my card was approximately {$14000.00}. However, upon logging into my account, I noticed that my " available credit '' had been reduced from {$21000.00} to XXXX  without any prior notification. 

I have contacted American Express multiple times over several days, but the only explanation I have received from your credit department is that I am " not paying enough, '' despite never having missed a payment and consistently paying on time, either meeting or exceeding the minimum payment. Please review recorded calls to verify these responses. When I asked why my minimum payment was not increased if American Express felt it was insufficient, I received no answer. When I inquired why I was not informed of a sudden increase in payment requirements, there was also no response. These actions are both unreasonable and unjustified. 

I was given two options to restore my credit limit : make a large payment of {$3500.00} by XX/XX/year>, or provide three months of my personal bank statements. These options were reiterated by several agents, including supervisors, and I have a written confirmation from American Express outlining these two choices. 

In compliance, I made two payments : {$370.00} on XX/XX/XXXX and {$3100.00} on XX/XX/XXXX, totaling the required {$3500.00}. I called American Express on XX/XX/XXXX to confirm the receipt of these payments and to inquire about when my credit limit would be restored. I was then informed that the restoration was pending until I submitted my personal bank statements, despite having chosen the payment option provided to me. The representative stated that I had been misinformed and must now appeal by sending in my bank statements, despite my having an email from American Express clearly stating that I had the option to make a payment instead. 

To summarize : 1. My credit limit was reduced without any reasonable cause or prior notice 2. This change was reported to credit bureaus, resulting in a XXXX drop in my credit score and significant reputational harm 3. American Express has failed to honor the agreement to restore my credit limit after the required payment was made 4. These actions have severely damaged my trust in American Express
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed I had two late payments on an account I was never late for. Consumer reporting agencies have assumed a vital role and are responsible for reporting consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts, so I have included screenshots inside this complaint for XXXX and XX/XX/year>. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see the screenshot attached :
Product: Credit reporting or other personal consumer reports

Well i have Data Breach letters on my credit report and my stolen funds from my bank account when I visit my XXXX  birthday party Matter of fact Two occasions I have letters Fraud on my report completely wrong 15 U.S.C.1681s-2 ( A ) ( 1 ) According to 15 USC 1681 Section 604A Section:2 It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Delete this account. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Delete this account. 

4. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 
5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

6. there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Delete this account. 

7. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

8. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Delete this account. 

10. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 14. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear XXXX, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within XXXX  ( XXXX ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or XXXX verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX ( XXXX. XXXX XXXX ), you may be liable for your willful non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Federal law requires that you provide mechanisms to make sure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading, or incomplete, XXXX XXXX XXXX  # 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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : # In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX : # XXXX, XXXX. XXXX XXXX : # XXXX, XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish a account with my written instructions
Product: Credit card

AFTER I fully paid off the card they charged me XXXX dollars twice and then returned the money after delay. After I turned off the XXXX which was previously in place, they issued a check that was never cashed by me and apparently also issued credit? Then they charged interest and penalties on the 'so called debt. After the card was fully repaid they should have ceased taking automatic payments and they never advised me my account was past due based on a check I never even cashed. This business practice is a former of unethical stealing and threatened my otherwise stellar credit since they claimed they could not inform me via email since they did n't have permission to give it to me without some additional consent to let me know I was 'late '.
Product: Credit reporting or other personal consumer reports

In XX/XX/2024, I received form 1099-C from XXXX indicating that my credit card debt has been forgiven or cancelled. 

However, all 3 credit bureaus are showing owed balance and looks like XXXX did not report it
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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. 
ACCOUNT NAME XXXX XXXX XXXX XXXX ACCOUNT XXXXXXXX ACCOUNT NAME : XXXX ACCOUNT XXXX ACCOUNT NAME : XXXX ACCOUNT XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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. 

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with he platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.