23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Last purchase on my Amex was XX/XX/2021 in amount {$3600.00}. At which time I was well within my credit limit of {$11000.00} with a 96.17 % usage. On XX/XX/2021 Amex lowered my credit limit to {$8700.00} thus putting me at 126.72 % usage. On XX/XX/2021. This has unfairly impacted my credit history report by Amex reporting that I am over my credit limit. 
Once again at the time of purchase I was within my right. Amex did not take this into consideration. I have spoke with Amex on several occasions with the last being XX/XX/2021. I was past around to 4 customer service reps and about to be past to a XXXX. I was given unfair options that could not be guaranteed of the outcome or future reporting. I would bier worst impact to my credit report if Amex declined based of information about my income during the Covid pandemic. I asked for 2 options. ( 1 ) restore my line of credit and freeze the account to insure no future charges will occur as the balance is being paid on time in a timely manner. ( 2 ) give me a deferred interest rate so more of may payment can go to the principle instead of interest. Both my request was denied. This has unfairly and unjustly affected me financially because of losing points on my credit score. I have been with Amex for 25 years and I am sure this is happening to many of their customers. 
I am asking to resolve this issue fairly as I have asked somewhere within the perimeters of their company without anything from my part other than my agreement. Once again I kept my end of everything from day one so I should not have to go above and beyond.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed fraudulent accounts on my credit report. I want the fraudulent accounts removed immediately because they hurt my ability to obtain credit. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that as of ( XX/XX/XXXX ) as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : XXXX XXXX XXXX XXXXXXXX {$530.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX {$29000.00} Date opened XX/XX/XXXX XXXX XXXX {$1900.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX {$5100.00} XXXX Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX XXXX  XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX {$430.00} Date Opened : XX/XX/XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$11000.00} Date Opened : XX/XX/XXXX I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice.
Product: Credit reporting or other personal consumer reports

XXXX unlawfully reported late payments on my credit report. I have never had an account with XXXX OF XXXX.
Product: Checking or savings account

I signed up for an app which had a trial for XXXX XXXX I entered my payment info for that XXXX XXXX charge and at the last page there was another button to charge me XXXXXXXX XXXX  instead without any warning or confirmation, I fat fingered the button and I then was charged. My bank CHASE looked into it and I gave all the info I could as I did not approve of the XXXXXXXX XXXX charge. CHASE did not resolve the issue and the money that was stolen from me remains taken from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 4 things as well as inquiries on my credit report that are not mines. I have disputed these things by letter and through the credit report company XXXX. I would like these things to be taken off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 Thank you very much for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Ability Recovery Service for committing identity theft. I have never given Ability Recovery Service any permission to use any of my identifying information to call me or commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and a collection activity, of this and any alleged debts until Ability Recovery Service can provide sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Ability Recovery Service continues its collection efforts. I will file for litigation for actual damages caused and Ability Recovery Service will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028 A, extortion, theft by deception, securities fraud, and mail fraud. Upon receipt of the documents herein and of this notice, you are hereby notified pursuant to UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The TransUnion and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports : XXXX XXXX XXXX XX/XX/2020
Product: Debt collection

I was paying debt directly to the company and they sent it off to a collection agency, but meanwhile I was still paying debt and then started paying to them and collection agency.. It is paid in full but it is still showing Charge off as bad debt Profit loss write off. When I made arrangements to pay the debt and they didn't remove it yet ...
Product: Checking or savings account

After over 50 years of having Wells Fargo bank accounts, the bank randomly decided to close one of my small business checking accounts. Wells Fargo refuses to provide an explanation other than its a " business decision '' that can not be contested and will not be explained. The account in question has an average balance of over {$10000.00} and has never had a bounced check or a deposited check returned for lack of funding.

This causes a great hardship as I am forced to find a new bank AND I will have to close my other five accounts with Wells Fargo as I will not know when or if they will decide to randomly close these as well. We all know Wells Fargo is a corrupt and crooked operation but I chose to stay with them because of the hardship I would have to move accounts. I live in a small town and banking choices are very limited.

I know there is an active investigation regarding this matter with Wells Fargo and would like my complaint to join this effort.
Product: Checking or savings account

I was sent a letter XX/XX/XXXX notifying me my account would be subject to fees starting XX/XX/XXXX. I called to find out why, and was told to " ignore the letter '' I asked that I receive a written notice of what Citibank was planning to do with my account and notified them I was uncomfortable with an agent telling me to " ignore a a letter '' - especially when the letter states my account will be subject to new fees. 

I would like to receive a written notification of what my account will be subjected to in terms of fees, if the letter they sent to me is wrong. The agent I spoke with on the phone told me he can be identified by # XXXX and his name was XXXX. 

I am concerned my account will now be subjected to fees when it should not be. I have never had fees on my account and the agent was unable to explain why I would be subjected to fees now.
Product: Credit reporting or other personal consumer reports

I asked for my crEdit score, they said to me I'd have to pay for a refresh, oh gee I thought it was free, just a simple plea I just want to know my score, can't you see?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I mailed a letter to the credit bureaus requesting that an error either be fixed or removed from my reports however, the bureaus sent me a response stating that the information is accurate and did not change anything. This is a factual error and I am now requesting that they be removed due to their inability to resolve the issue properly. Referring to my XXXX account, XXXX is reporting my 30 days late on XX/XX/XXXX while Experian and XXXX are not. Experian is reporting me 30 days late on XX/XX/XXXX while XXXX and XXXX are not. I have uploaded a copy of the letter I sent out along with the credit bureau reporting.
Product: Student loan

I have been enrolled back at XXXX XXXX University in the XX/XX/XXXX. Recently, i have been harassed by Navient for the last month. I have faxed in paperwork providing them with everything they needed. And yet I am still getting phone calls for payments. Furthermore, Navient is now reporting to the credit bureaus that I am late. At this point, Navient needs to get their act together to avoid me taking further action. I have been enrolled the entire time and my deferment should be valid with my planned graduation date being the XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing issue of fraudulent items persisting despite several attempts to remove them. As a valued customer of Credit Bureaus, I expect transparency, integrity, and swift resolution when faced with such matters. 

I discovered fraudulent items on my account, which were promptly reported to your company. Despite multiple attempts to rectify the situation, the fraudulent items persist, indicating a systemic failure in your security measures or negligence in addressing these concerns. 

These fraudulent activities have caused significant inconvenience, stress, and financial harm. Moreover, the repeated occurrence of such incidents reflects poorly on your company 's commitment to customer protection and satisfaction. 

I demand immediate action to : Thoroughly investigate the root cause of these fraudulent activities. 
Implement robust security measures to prevent future occurrences. 
Provide full restitution for any financial losses incurred as a result of these fraudulent items. 
Offer compensation for the inconvenience and emotional distress caused by this ordeal. 
Failure to address these concerns in a timely and satisfactory manner may compel me to explore further legal actions to protect my rights and interests as a consumer. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> I received an alert USAA had obtained my credit report. I contacted USAA and stated to the representative I had not applied for credit with the organization. Representative stated I needed to send a letter disputing the inquiry. Letter was sent XX/XX/year>. Response received from USAA XX/XX/year> and stated I applied for credit or a credit limit increase and the inquiry will remain on my file for two years. Stated I would need to dispute with XXXX. I can not dispute with XXXX unless I send a letter and they will prolong removal.
Product: Debt collection

I disputed this debt and on XXXX the agency removed it from my credit report. This company runs under many different names. I would get letter stating again, that I owe the debt. I would write back as required within 30 days stating I do not owe the debt, and requested proof that I owe it. I never received the proof, because I do not owe it. I sent the last letter out to their address and the letter was sent back to me, the letter was requesting proof that I owed the debt. Now, again, on XX/XX/XXXX, they are once again reporting it on my credit report. Mind you that this debt is from more than 5 years ago. They are reporting it as new, when it is not. In the state of Nebraska the statute states that the statute of limitation is 4 yeas, and mine falls under that category. I have explained to them I do not owe the debt, and the debt I had, I paid to the original creditor. Also, that I never lived at the address one of the services were provided. I am tired of this company reporting to my credit, and sending me letter from their sub companies in order to obtain money I do not owe. I have once again disputed with XXXX, and have decided to file this complaint. They have shady tactics to obtain money from a debt account they purchased. Originally it was with XXXX XXXX XXXX, I disputed it with them as well, then they " sold '' my account to LVNV Funding, Or Sherman XXXX, and its subcompanies. I need them to stop and not to " sell '' this account to someone else so I can go through the same thing all over again.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I submitted a dispute to Transunion requesting that inaccurate information being reported on my credit report be validated or removed. In received no validation. I then submitted a follow up dispute on XX/XX/XXXX. Once again I received no validation
Product: Credit card or prepaid card

Hello, my cash app account was closed and I havent done anything to violate the terms of service and policy. I have reached out to cash app multiple times in order to have this issue resolved and get unbanned however I have been unsuccessful.
Product: Debt collection

INXX/XX/XXXX " PAYDAY LOANS '' IN THE STATE OF ARIZONA WERE DEEMED ILLEGAL. " SPEEDY CASH '' ( A PAYDAY LOAN COMPANY ) OPENED AND CREATED '' ILLEGAL CONTRACT '' UNDER THE STATE LAWS. 

SPEEDY CASH THEN " SOLD '' ILLEGAL CONTRACT TO " AD ASTRA RECOVERY '' TO COLLECT PROCEEDS OF ILLEGALLY OPENED CONTRACT. 

AD ASTRA IS NOW ATTEMPTING TO COLLECT FUNDS FROM THE " ILLEGALLY ESTABLISHED CONTRACT ''. 

" SPEEDY CASH '' OR " AD ASTRA '' ARE NOT ENTITLED TO COLLECT FUNDS FROM ILLEGAL CONTRACT THAT SPEEDY CASH KNOWINGLY ESTABLISHED. 

" AD ASTRA HAS NOW ENTERED THEIR ATTEMPT TO COLLECT " ILLEGAL CONTRACT MONIES '' AND HAVE PLACED A DERRAGATORY MARK ON MY CREDIT REPORT ... THUS AFFECTING MY CREDIT SCORE NEGATIVELY AND IS PRESENTING AN OBSTACLE IN MY ATTEMPT TO REPAIR/CLEAN/ESTABLISH MY CREDIT SO-AS TO BE ABLE TO GET A MORTGAGE APPROVED IN MY NAME AND BUY A HOME FOR MY WIFE AND I. 

I HAVE DISPUTED ITEM WITH CREDIT BUREAU 'S, AND AD-ASTRA HAS UTILIZED TACTICS SO AS TO KEEP DISPUTED TRANSACTION ON MY CREDIT FILE ... .LIKE " REMOVING FILE FROM CTEDIT REPORT ... RAISING AND LOWERING DEBT AMOUNT BY {$1.00} ... THEN RESUBMITTING DEBT AS A " CHANGE IN BALANCE '' ON EXISTING FILE. 

THE COLLECTION AMOUNT THEN SHOWS UP BACK ON MY CREDIT REPORT, WHICH I AM THEN TOLD I HAVE TO " RESUBMIT DISPUTE '' BASICALLY STARTING ME BACK AT SQUARE ONE AND DISPUTE NOT RESOLVED. 

DIRTY TACTICS CREDIT BUREAUS ALLOW THEM TO GET AWAY WITH AT CONSUMERS EXPENSES. 

I WANT COMPLAINT FILED ... AND THIS REMOVED FROM ALL CREDIT BUREAUS AS IN THE STATE OF ARIZONA ... THIS TYPE OF TRANSACTION IS DEEMED " PREDATORY AND ILLEGAL '' AD-ASTRA IS THE DEBT COLLECTOR RESPONSIBLE FOR CREDIT REPORT FILING AND THEY NEED TO ADDRESS AND FIX THIS ATTEMPT TO COLLECT AN ILLEGAL DEBT ON AN ILLEGAL CONTRACT. 

XXXX XXXX XXXX
Product: Student loan

I'm on the XXXX plan and have been in administrative forbearance. I should not be accruing interest on my loans, but since XXXX my servicer, Mohela, has been adding to my balance.
Product: Credit reporting or other personal consumer reports

Regional Acceptance corporation has ignored numerous attempts to file an accurate credit report. Changes were made, but made my credit look worse than what it was changing back-and-forth. Now I recently found that a third-party XXXX  had gotten my information from XXXX, which is in a data breach. XXXX had no reason to give my information out to this company. I have already proven and tried numerous times to ask why Regional Acceptance corporation gave my information to this company. I honestly feel if I would have never attempted to fix this wrong amount incorrect dates through Regional Acceptance. My credit information would not have been breached.
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies have violated my consumer rights as stated in 15 u.s.c. 1681 sections a, b, and c. Creditors have no right to false report information to the credit bureaus. Below are accounts that holds false statements. 

XXXX bank account XXXX stated that my balance is {$370.00} and still reporting account is late payment.This is false information the account is closed and I should not be paying any monthly amount to an account that is closed.also the account is a secured account that is my money that I funded the account with.Discovery never gave me an unsecured line. 

XXXXXXXX XXXX XXXX  account XXXX stated I had a balance charge off for $ XXXX never open an account with XXXX bank XXXX XXXX 

XXXX XXXX bank account XXXX stated my account is still open and this is false.My account with self is now closed.XXXX XXXX should report closed.not open. 

XXXX XXXX XXXX account XXXX stated I had a auto loan balance {$3000.00} when I paid them in full.
Product: Debt collection

I am currently in the market to buy a home and I was reviewing my credit report and found some errors on XXXX XXXX XXXXXXXX You are reporting information about me which is inaccurate. All three credit bureaus are reporting different HIGH VALANCE, DATE OF LAST ACTIVITY, DATE REPORTED, DATE OPENED, ACCOUNT RATING, LAST PAYMENT, TWO YEAR PAYMENT. All 3 credit bureaus are reporting inaccurate information in this account. As you are aware there can only be one high balance and same date on this account. This account has not been properly verified. PLEASE DELETE the following account immediately for failing to comply with FCRA. XXXX XXXX XXXX THANK YOU FOR YOU TIME This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove this account XXXX  XXXX XXXX immediately thanks.
Product: Credit reporting or other personal consumer reports

Transunion is reporting an account that keeps appearing on my credit report that account The XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX in the amount of {$580.00} dollars, this account has appeared on my credit report, Multiple time, this Collection is old and keep reappearing and never go away.
Product: Credit reporting or other personal consumer reports

My current auto insurance company has based my current auto rates on incorrect information that was provided by Lexis Nexis. On Friday, XXXX XX/XX/XXXX I was advised by XXXX XXXX company that my rates increased due tickets. One being a " reckless driving/speeding '' ticket from XXXX. This information is completely false/inaccurate. I have attempted to dispute this, and I have been unsuccessful. I was placed on hold for long periods and then ultimately disconnected.
Product: Debt collection

There are two collections on my XXXX credit report that does not belong to me. I never knew of these collections until I turned XXXX. My father name is XXXX XXXX XXXX his social security number is XXXX, birth date XXXX He lives at XXXX XXXX XXXX MI, he used his middle and last name, his address, with my social security with a fake year of birth to open these accounts. I had no knowledge of these two accounts on my XXXX credit report. AFNI, INC XXXX / XXXX. 2. XXXX XXXX XXXX XXXXXXXX date opened XXXXXXXX XXXX I need these accounts removed from my credit report.
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1692e.False or misleading representations- ( XXXX ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX XXXX XXXX : {$810.00}