23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

To the Financial Protection Bureau Team, I have been a loyal American Express Platinum Card HoldeXXXX since XXXX and hold an American Express BLUE card. These accounts are crucial for my work-related travel, and I have relied heavily on AMEXs Concierge service. 

I communicate regularly with American Express and have always been diligent in managing my accounts. As an XXXX, I insist on receiving paper statements and communications from all financial institutions to keep thorough records. Digital communication and automatic payments have caused terrible issues in the past. 

I have impeccably made timely payments this year, often exceeding the minimum due. Despite a {$7000.00} XXXX XXXX  in XX/XX/XXXX, I still paid nearly {$2800.00} towards my Platinum Card to keep my accounts in good standing. 

However, on XX/XX/XXXX, at XXXX XXXX, I received an email from AMEX stating they were reducing my Platinum Card credit limit, causing me, artificially, to exceed the limit by over {$5000.00}. The due date for this amount is XX/XX/XXXX, leaving me with no time to address the issue. 

This feels like a predatory practice. AMEXs sudden decision, especially after the Federal Reserve lowered interest rates, seems retaliatory. Despite my impeccable payment history, they reduced my credit limit without warning, making it appear that I am irresponsible with my spending. 

When I sought an explanation, AMEXs response was dismissive and condescending. They sent the email before business hours ( XXXX XXXX XXXX ), blindsiding me. I went to bed with a healthy account and woke up to a maxed-out card and a demand for {$5000.00}. 

I believe AMEX is exploiting me with what looks like a fundamental policy decision. They know I can pay more than the minimum due and have manipulated facts to fit the narrative they wish to use with my account to force a large payment. This tactic feels abusive and discriminatory, possibly due to my age or XXXX surname. The tone of voice of the XXXX agents I tried to talk to supports this possibility ( I kept their names on record since they were unwilling to assist me further or escalate the issue ). 

AMEX created this problem. Framing the situation as my fault and suggesting I avoid using my credit limit is not what this problem is. I would accept responsibility and cover my accounts if I were the one to have caused them to go over the limit. I cant help but wonder how many more times they will do this in the future, like if I were to pay what they want today. Isnt this extortion? 

AMEX has not addressed the root cause of the issue. Having to pay {$5000.00} by tomorrow is an undue burden not present when I went to bed last night. 

I appreciate your time and patience while reviewing my report. I dont know where else I can go, so I urge the Financial Protection Bureau to assist me in investigating this matter and hold AMEX accountable for its predatory practices. 

Kindly yours, XXXX XXXX XXXX XXXX
Product: Bank account or service

I received a promotional offer for XXXX aadvantage miles if I opened up a CitiGold checking account and made {$1000.00} in debit card purchases and paid a bill with bill pay for two consecutive months. I opened the account online using promotion code XXXX. Even though it has been over 90 days since I met the requirements, I still have n't received my points! As you can see in the attachment I provided, Citi has even confirmed that I met all the requirements. They said I would receive the points by XXXX/XXXX/16, and they have n't deposited them into my aadvantage account yet. I think that Citi Bank has lied to me and pulled a bait-and-switch tactic. CFPB, please help me correct this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Treating these reporting items as unconfirmed information is unacceptable without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or repair them in my file immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I went to the website I did a pre-qualification. It clearly says on the website that it will not affect my credit multiple places on the website because I read the terms and conditions and they ending up placing an hard inquiry on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

COMENITY BANKXXXX : Shows late payments on my credit report after never receiving the item ( s ) to be financed in the first place. 

Late dates show : XXXX, XXXX, XXXX, XXXX Ive always owed {$0.00} and as further proof have nothing in collections. I have been told numerous times this would all be removed from my credit report and it still has not.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation u set the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable drive agitation of disputed information on my credit report, leaving inaccurate or u verifiable accounts unresolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishes, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as Experiments inaction violates federal law and my rights as a consumer.
Product: Debt collection

I am receiving collection letters from AMCA original creditor XXXX XXXX. I went to the hospital on XX/XX/XXXX and they took a copy of my insurance card and ID they came in and XXXX XXXX the same time. Hospital was paid for this date of service and I get a bill in XX/XX/XXXXof this year for a bill of {$250.00} this bill is over a year old and I called XXXX XXXX and XXXX XXXX XXXX XXXX and talked to XXXX she stated you had coverage at this time they can not bill you. She called the collection agency 3 way with me on the phone and told them I have insurance and they should not be billing me she advised she would contact XXXX. XXXX called XXXX and talked to XXXX and XXXX told her she would take care of it. Today on XX/XX/XXXX I received another bill that I have included for a different amount of {$170.00}. This is not legal when insurance is involved. Two different amounts and I had insurance at this time they are threatening to put this on my credit report.
Product: Vehicle loan or lease

I am writing to formally dispute an inaccurate charge-off listed on my credit report, reported by Regional Acceptance Corporation . Upon reviewing my credit report, I noticed this account : Charge-Off : {$5900.00} I believe this charge-off is inaccurate and possibly in violation of the Fair Credit Reporting Act ( FCRA ). 
Under the FCRA, creditors are required to ensure that all information they report to credit bureaus is accurate, complete, and verifiable. Therefore, I respectfully request the following : A thorough investigation of this charge-off and verification of its accuracy.

Removal of this charge-off from my credit report if it can not be verified or if it is deemed inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am pleased to see some improvements on my report and some of the items which I have disputed were removed. However, there are still remaining items on my report which is unauthorized and resulted from identity theft. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureau is required to remove any items listed on an identity theft report. 
XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX Balance : {$260.00} XXXX XXXX Balance : {$16000.00}.
Product: Credit reporting or other personal consumer reports

Im a victim of identity theft and nothing has changed in my report. I mailed my dispute to Transunion on XX/XX/XXXX proof in the upload documents.. I have not heard anything from Transunion in over 45 days I will be suing Transunion in 4 business days .. distinctly verify all methods that were use to verify accounts. I demand to know the. Name of agent or rep you spoke to, department, etc ..also documents with my signature and consent serving as proof. Along with terms and agreements. I have my police report along with my affidavit.. 15 U.S. Code 1681c 2 - Block of information resulting from identity theft U.S. Code ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. These following accounts are fraudulent and need to be blocked and deleted.. 
XXXX TransUnion Account # : XXXX Installment Account Type - Detail : Auto Loan Bureau Code : Joint Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$10000.00} No. of Months ( terms ) : XXXX {$16000.00} According to XXXX XXXX Transunion XXXX, Transunion is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete account immediately The opening date for this account reported by Transunion is XX/XX/XXXX the reporting date for experian has XX/XX/XXXX This is reporting error .. this account is fraudulent and has to be deleted in 4 days!!!!! 15 U.S. Code 1681c2 - Block of information resulting from identity theft U.S. Code XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX  ) TransUnion Account # : XXXX Account Type : XXXX XXXX Code : Individual Account Status : Derogatory Monthly Payment : - Date Opened : XX/XX/XXXX Balance : {$690.00} According to XXXX XXXX Transunion XXXX, Transunion is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I , 15 USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete account immediately I demand you to delete this account within 4 days!!!!! 15 U.S. Code 1681c2 - Block of information resulting from identity theft U.S. Code
Product: Credit reporting or other personal consumer reports

XXXX : # XXXXXXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights.
Product: Debt collection

XX/XX/XXXX I filed bankruptcy however, XX/XX/XXXX I started getting phones from Commercial Recovery Systems telling me they was trying to collect debts on XXXX accounts from XXXX that were included in my bankruptcy. Well these calls where by far normal debt practices they was harassing and threatening. They was calling me all hours and my work. Causing emotional and stress not only calling me but my father. You will see I filed a law suit and I recently see the FTC has a law suit against them.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information that appears on my Equifax consumer report : In accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my report. You stated my account was adequately investigated, but how is that possible if the open date is inaccurate, the current address is inaccurate, the date last reported is inaccurate, the date of the last payment is inaccurate, and the account status is inaccurate? This is grounds for the removal of the items listed and highlighted below and in my credit report that has been attached to this letter. And my rights have been violated under 15U.S.C 1681 Section 602 A. Section I has the right to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

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

On XX/XX/2023 I received a letter stating I owed a debt that I do not recall. The Debt amount of XXXX. The company name is Resurgent Capital Services. I keep receiving letters in the mail stating I owe a debt that is not my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is about : Experian My personal information was compromised through the negligence/incompetence of XXXX in the large breach earlier this year. In XXXX, I repeatedly tried to freeze my credit files with Experian through their web site. Each attempt failed, and Experian 's web site information said I should mail them copies of my driver 's license, social security card, and a document to show my current address. 

On XXXX XXXX, XXXX, via certified mail, I mailed Experian copies of my driver 's license, social security card, and an insurance statement that showed my current address. According to records from the USPS,  Experian received my mailed documents at XXXX XXXX, XXXX XXXX, XXXX. 

I have not received any confirmation, notification or correspondence from Experian. Since XXXX, I have continued to try to freeze my credit files with them using their web site. Each attempt fails, once again directing me to mail them the documents I have already sent them.
Product: Checking or savings account

I have previously submitted a complaint to Bank of America using this service ( complaint ID XXXX ) to get a response from the bank for several claims I had made since XX/XX/2020. They allowed someone to access my account over the phone and provided them with a temporary credit of around {$5000.00}, which they withdrew immediately. After I had let them know that I did not call the bank to request this money, they then removed the credit, which left me with an overdraft fee off {$4900.00}. I am now expected to pay this amount even though it was Bank of America 's fault for allowing someone, who was not authorized, to access my account. With your help I was able to get a response for my complaint. However, they failed to even address any of my complaints. They believed that I was requesting monetary compensation, which I never asked for. They obviously denied this compensation. I never asked to be compensated with the amount. My request was to have this overdraft fee removed since I was not the one who requested it in the first place and I wasn't the one who withdrew it. I want this overdraft fee removed so that I can lose all ties with Bank of America. They have lost my trust and loyalty due to their negligence and terrible customer service. I want no connection to them anymore as they have caused me so much stress and pain. The response to the previous complaint that I made using this service included a phone number that I could reach if I had any questions or concerns, but I have been calling this number almost everyday for the past month and it just send me directly to voicemail. I have not been able to contact anyone from Bank of America to address my concerns because they made it impossible to connect with anyone. I want them to know that if I am unable to connect with someone from the Bank, I will result to using other means like contacting the local news stations.
Product: Prepaid card

I can't use the Amex gift card on on XXXX. And the transaction is declined. I then tried again with various other amounts. 

Many people have reported having this problem starting this past year.
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 1681. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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, states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681s-2 is a section of the Fair Credit Reporting Act ( FCRA ) that outlines the responsibilities of furnishers of information to consumer reporting agencies. It includes provisions that require furnishers to : Not furnish information to a consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate. 
Investigate disputes regarding the completeness or accuracy of information provided to a consumer reporting agency. 
Report the results of any investigation to the consumer reporting agency. 
Correct any inaccuracies found in the information provided to consumer reporting agencies. 
This section also specifies that furnishers must complete all investigations, reviews, and reports required under this section before the expiration of the period within which the consumer reporting agency is required to complete actions regarding that information. Additionally, it limits liability for violations of certain sections of the FCRA, except under specific conditions. Enforcement of subsection ( a ) of this section is carried out exclusively by the Federal agencies and officials and the State officials identified in section 1681s of the same title.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # 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 an account without my written instructions. 


XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX ( XXXX ) XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Public record reported XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion about multiple inquiries on my credit report that I did not authorize. 
I contacted them on XX/XX/20 and spoke to a very RUDE and unprofessional employee named XXXX. He refused to remove the inquiries and told me that i needed a police report. I told him that they were unauthorized and that I was not doing business with these companies, which he still refused. This happened at XXXX on XX/XX/20. 
On XX/XX/20 I reached out to Factual data and XXXX was able to file a dispute on her end with the credit agencies, but told me she was not E-mortgage managment she was just a third party client.Please help me to remove these items from my credit report, they are not recognized at all and are negatively affecting me during COVID19. I am an essential worker and a XXXX  whom should spend my time saving lives and not arguing over the phone with credit bureaus. Thank you for your time XXXX XXXX
Product: Bank account or service

I contacted Suntrust Bank main office on XX/XX/XXXX to inform them that I had not received my bank statement from them in three months. I was told by the person on the phone that they would mail them out that day, and I would receive them in approximately three days. I did not, so I went to my local Suntrust Bank located at XXXX, Md. XXXX and address the issue with Branch Manager XXXX. She printed me out statement from XX/XX/XXXX to XX/XX/XXXX. When I checked the statement I notice approximately XXXX ATM-withdrawals total over {$3200.00} not including fees, and XXXX checks-written total {$900.00} that I did not do, or known who did. I immediately return to to the bank on XX/XX/XXXX and address the issue with Bank Manager XXXX. She contacted Suntrust Fraud Department, and a report filed and investigation I was told started. On XX/XX/XXXX I received a letter from fraud investigator stating that they were unable to honor my claim giving me some unreasonable causes. The letter dated XX/XX/XXXX is the first response to the claim of fraudulent activity on my Suntrust account ending with [ XXXX ] I received. For this and other reasons, base upon our investigation, we can not conclude that Suntrust has any liability for your disputed transactions. I returned to my local Suntrust bank on XX/XX/XXXX and talk with Bank Manager XXXX about over half of the transactions falling within the time frame of the 30 days, and she called fraud investigation. I was told by her that the investigator said that because there were A-T-M withdrawal before the 30 days and I was seen on camera making the withdrawals, the investigation was close. I never made any withdrawal from the location on the statement and do not even known were it is. I always use ATM networks with Suntrust so I do not pay fees. I then asked the Bank Manager to see the video with me withdrawing money from the location the claim, and was told by her that the investigator said the only way I can see the video which there is not, is to subpoena it from fraud investigation. All of this after banking with Suntrust for approximately 30 years. All I want is Suntrust to return approximateIy {$4500.00} to my account.