23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Early summer of XXXX, I discovered that I had been a victim of Identity theft and as advised I put a block on my credit bureau report ( s ) advising potential creditors to contact me first before approving any credit using my personal information. 
Later that year in XXXX, I received a letter from American Express stating that I had been approved for a new Amex Card and that my existing credit limit of {$12.00}, XXXX would be reduced to {$7000.00} to accommodate the new Blue Cash Everyday card with a credit line of {$6000.00}. I immediately contacted American Express to notify them that I had not requested another Amex card/account and that credit should not have been issued without contacting me first. 
Over the next several months, I contacted American Express numerous times to reiterate that I had not applied for an additional card/account, that I wanted my original credit limit reinstated to {$12000.00} and I did not wish to request a credit line credit line increase as was suggested by several representatives. In XXXX, XXXX, as suggested by a certain representative, I was advised to write a letter explaining my situation and again requested that the credit limit on my account be reinstated to at least {$12000.00} or {$13000.00}. 
Sometime in XXXX, XXXX, during a call with yet another supervisor I was advised that I had actually applied for the Blue Cash Everyday card, in XXXX of XXXX, during a call to customer service regarding another matter. Again, I requested that my credit line of {$12000.00} be reinstated as I do not have the card/account I had been approved for with a {$6000.00} credit line, my {$12000.00} credit line had been reduced for no reason other than to accommodate another card/account, was told that the investigation had not been finalized regarding my credit worthiness and I would be notified of the final outcome. 
I have been an American Express account holder for more than XXXX years now and have reliably paid the annual membership fees as billed and I am disgusted and furious about this entire debacle. The decrease in my Amex card credit limit of approximately 49 % has greatly impacted my XXXX XXXX and ultimately my livelihood. The lowered credit limit : is inexplicable to potential creditors; resulted in decreased credit lines of existing accounts; limited increases on existing accounts; produced higher insurance rates and loans; created fewer offers to extend new credit ; and diminished screening ( XXXX ) for other credit products. 
Enclosed please find copies of numerous correspondences from American Express ( including the card which I was told was NOT mailed out ), the names, dates and anecdotal notes with various representatives and supervisors that I have spoken with over the past several months as well as a copy of the letter I sent to American Express requesting my credit line be reinstated, to which I never received a response. 
The purpose of this complaint is to appeal to American Express to reinstate the credit limit on my Amex XXXX XXXX to at least {$12000.00} or {$13000.00} as determined in XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written letters as well as called each of the bureaus describing the issues I was facing regarding the multiple inquiries. I have letter certified mail receipts of when I attempted to contact Transunion, XXXX, and XXXX. I have also called the companies in which the inquiries were made and they were unwilling to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX XXXX 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 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 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 XXXX 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. 



During XXXX I was in the hospital 5 times and had XXXX surgeries in addition to the XXXX I had in XXXX which left my health in question. I joined the local XXXX XXXX  that was being constructed in a presale and once it opened I attended a couple of times. Due to medical reasons I could no longer attend and need to cancel my membership by phone. I was told that I had to come in in person which I could not do at the time due to XXXX of the surgeries being on my eye.. I have a certified doctor not sent a certified letter. After not hearing a response I called the gym and asked to be contacted by a XXXX and a district XXXX, Mt message was never returned and XXXX sent the membership to collections and placed a charge off on my Transunion credit report which is a violation of the FCRA. I have asked for a contact in the collections department at crunch corporate and have gotten no response. The collection agency that sold the debt to has harrassed me and called me XXXX times a day from different numbers. I have sent them a certified cease and assist and will plan to take legal action for harassment. I have also filed a complaint tithe the Texas attorney general. Please look into this matter as crunch fitness is practicing unfair commerce practices. They make it easy to join the gym but extremely hard to cancel which is unfair. I had legitimate medical XXXX and needed to cancel, not only do I have to deal with medical and insurance bills in my XXXX aftermath I have to deal with an unfair collection and detriment to my credit report when I did the right then and attempted to cancel. I have filed a complaint with the FTC and Texas attorney general which is attached.. This activity on my credit report is a vialation of
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX XXXX XXXX
Product: Debt collection

Sometime after XX/XX/XXXX my personal information was compromised and I became a victim of Identity Theft. On XXXX a vehicle was rented in my name at XXXX XXXX XXXX XXXX at the XXXX XXXX XXXX in XXXX XXXX Ca. as well as products from XXXX XXXX Once I found out about this fraud I immediately put a fraud alert with the 3 major credit bureaus on XXXX and on XXXX the police report I filed with the XXXX XXXX Police Department was approved. I had contact with a detective from XXXX and informed him about the identity theft and the date in question and let him know that I was at work at the time of the car rental. No further information on my part was needed and a case of fraud/theft was issued with them. Once I had the police report approved I filed a Fraud Statement Dispute with XXXX and on XXXX XXXX XXXX sent me a letter stating they would not be pursing collection activity and I have been removed from financial responsibility. Soon after the police report I started getting calls from XXXX about an outstanding bill in my name. I informed them that I was a victim of identity theft and the same thing happened with XXXX XXXX. I then proceeded to fill out the XXXX Fraud Statement Dispute and sent that form in along with a copy of the police report and photo ID. XXXX in turn denied my fraud claim and are not accepting the information I have provided them. They in turn took me to collections in which I then sent Curtesy Letters to both XXXX and Source RM stating that California Penal Code 530.8 and the Federal Fair Credit Reporting Act require them to supply me with a copy of all information about the said account including the application that was used to open the account and records of all transactions. They both haven't sent me the information I requested but XXXX did send me another Fraud Dispute form. I also found out that an XXXX XXXX XXXX account was opened but they closed out the case after I talked to a manager in there fraud department letting them know I've been with them since XXXX and opening another account made no sense to which they agreed and closed out the fraud case. I also mentioned to XXXX XXXX that the said address used in the transaction ( s ) was an address I had previous lived at and was a renter. I no longer lived at said address because I am now a home owner. I have a copy of a 30 day notice of said address as well as a copy of the Grant Deed of my current home, the Police Report and the XXXX letter stating that the fraud case has been dismissed. I didn't have XXXX XXXX or XXXX XXXX XXXX XXXX in the police report because at the time I didn't know they purchased anything from them. 2 majors companies have accepted my fraud claims but only XXXX XXXX has not
Product: Checking or savings account

I provided a check to a general contractor made out directly to a subcontractor for services totaling {$10000.00}. The general contractor mailed this check to the subcontractor however it was not received. On XX/XX/23, before issuing a new check, I called the bank to have a stop put on the check. I was traveling and unsure of the exact check number but provided who the check was made out to, the amount, and the likely numbers that the check could have been. However, I requested that all checks in the amount of {$10000.00} be stopped. A few days later I checked my account and noticed that a check was withdrawn for {$10000.00} to a payee that I did not recognize on XX/XX/23 - after my stop order had been received. Examining the check image available through the website, I realized that the check had been washed or recreated with a new payee. The rest of the information was re-written as I had originally provided, but in someone else 's handwriting. Additionally, my signature had been forged. I immediately brought this to the attention of my bank. After several calls with their fraud team I was told on XX/XX/23 that the stop payment had been input incorrectly - only checks above a certain number were stopped despite my explicit instructions to stop all checks of a given amount. Had the stop order been input correctly by the bank the payment would have been stopped as I requested. The bank is refusing to provide restitution despite acknowledging directly that the error was on their behalf.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX is in violation of multiple laws set forth by Congress in regards to the following account XXXX XXXX 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( XXXX XXXX XXXXXXXX ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX XXXX XXXXXXXX XXXX XXXX not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( Experian, XXXX, and XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX XXXX  can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXX XXXX XXXX for the cancelled debt of { { {$67000.00} } } in order to file as ordinary income. Where is my XXXXXXXX XXXX XXXX XXXX is clearly writing off debt with the IRS without sending out XXXX as required by the IRS for debts greater than { { {$600.00} } }. This is unsatisfactory! XXXX XXXX XXXXXXXX has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In XXXX XXXX XXXX terms and conditions they agreed not to share my information with non affiliates. Experian, XXXX, and XXXX is not an affiliate of XXXX XXXX XXXX nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( XXXX ) ( B ) ( XXXX ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION XXXX ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Mortgage

My mortgage loan was sold to Freedom Mortgage on XXXX XXXX, XXXX. I was notified in mid XXXX. Upon notification I called Freedom Mortgage to request that they pay my XXXX RE taxes from my escrow balance before XXXX XXXX so I would be able to deduct the payment on my XXXX tax return. They said they would not do it. I made several attempt to resolve this and finally was told my a supervisor named XXXX XXXX that if I personally paid my taxes that an escrow analysis would be performed upon confirmation from XXXX XXXX that the taxes have been paid and the funds would then be paid to me ; reimbursement by my escrow account held by Freedom Mortgage. I was concerned that I would not be reimbursed for many months but was assured by XXXX that the analysis would be performed promptly upon confirmation that my taxes were paid. This was late XXXX and I personally paid my taxes. XXXX would not give me her direct number or extension which I requested. I attempted to contact her by asking for her by name going through the customer service number. I was able to get through to her voice mail once and left her a message. XXXX did call me back and left me a voice mail but did not leave any information as to the status of my situation. I have XXXX other attempts to contact her and was refused by the agents to get transferred to her or her voice mail. I was told my XXXX of the agents that I would get a call back the next day regarding my situation. The call was never received. I called again today and again they refuse to transfer me to XXXX and that an escrow analysis would not be performed because Freedom Mortgage paid my RE taxes in early XXXX. So, a reimbursement would not be possible. Repeated requests to speak to XXXX were refused. The agent I am speaking to, as I write this, was able to get in contact with here while I was on hold but refused to transfer me to her or her voice mail. Horrible customer service experience as well as not following through with what they told me they were going to do. I am now at a loss as to how to resolve this. So, a timely reimbursement of my funds is now not an option.
Product: Debt collection

Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Product: Mortgage

On XX/XX/2022 I requested my Private Mortgage Insurance ( PMI ) be removed because I made significant home improvements which increased the value of my home. I submitted my request in writing on the LoanCare portal as directed by their customer service representative. On XX/XX/2022 I made the payment of {$150.00} to LoanCare for the Broker 's Price Opinion ( XXXX ) to be obtained. The XXXX was completed on XX/XX/2022 by XXXX XXXX XXXX XXXX. The results were favorable. Based on the XXXX evaluation my new market value was {$380000.00} which was 67 %. My Purchase price was {$280000.00} and my current loan balance is {$250000.00}. This was way about the 30 % threshold needed to remove the PMI. On XX/XX/2022, LoanCare sent me a letter with the XXXX report. I called LoanCare on XX/XX/2022 and spoke with a representative to discuss when my PMI will be removed. He stated that he saw the report and did not know why the PMI Department have not been the adjustment but will send a message and they should get back to me no later than XX/XX/2022. No one called so I called again on XX/XX/2022. The rep stated they mailed me out a letter stating I have not met the payment history requirements as the reason for my denial. According the the PMI disclosure I signed on XX/XX/2022 it state " For purpose of PMI cancellation, a good payment history '' means no payments 60 or more days past due within two years and no payments 30 or more days past due within one year of the later of ( a ) the cancellation date, or ( b ) the date the you submit a request for cancellation. '' I have made several attempts to resolve this issue but LoanCare keeps sending the same letter stating I do not meet the requirements. This is completely unfair and false. The XXXX report clearly stated the value of the home was {$380000.00} and I have a good payment history. LoanCare is in violation of the Homeowner Protection Act.
Product: Checking or savings account

a dispute from you on XX/XX/2023 totaling {$10000.00} XXXX said within 10 days I would received a credit. The error is the banks fault. The bank attached XXXX debit cards to my account with an unauthorized user.
Product: Money transfer, virtual currency, or money service

( XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, XXXX XXXX failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

The company was supposed to close my account and send me my funds. They XXXX out my account and sent me a tracking number on XX/XX/2023. I have not received the funds. I contacted USPS and was told the letter supposedly containing my funds was not being mailed to me but to some other address in Ohio. ( I live in Illinois ). I emailed the company through my email and thier messaging portal and called. I was told by XXXX ( XXXX ) it was my fault because the address entered on XX/XX/XXXXXXXX XXXX listed my town twice. I emailed them on XXXX XXXX and XXXX XXXX with my correct adress. The letter I received from them through my previous complaint with CFPB listed my correct address at the top. I requested they over night a new check and cancel the previous, but he refused. I requested to speak to a supervisor, again he refused stating none were available.
Product: Mortgage

SPS is in violation of CA Homeowner Bill of Rights, in violation of CA regulations governing real estate, acting in bad faith regarding real estate and illegally attempting to grossly inflate a property for the purposes of attempting to foreclose on my home. At issue is a short sale request that has been submitted. SPS is demanding a full payoff which can not happen in a short sale so that is a violation of CA Homeowner Bill of Rights which requires lenders and servicers to work with  homeowners to avoid foreclosure. 

Second, SPS is attempting to use an outdated broker price opinion which is a violation of CA regulations regarding evaluating properties that state those types of reports are only good for 90 days. 

Thirdly, SPS is completely disregarding comps that show properties that are completely move-in ready being valued at the price they say my property is worth. It's not. My property has significant damage and in disrepair, as evidenced by docs attached. 

SPS is acting illegally, stop them from breaking the law. Stop them from illegally inflating property values to act as a foreclosure mill. Stop them from taking advantage of people during a worldwide pandemic and setting foreclosure sale date during foreclosure moratoriums. ILLEGAL