23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Dear Staff, I recently opened an American Express Charge Card ending in XXXX. I was declined a charge of {$3000.00} last Friday ( XX/XX/year> ), and I called and was told it was due to I only have a {$1500.00} limit on the card. The American Express Staff suggested I prepay my card, for example, {$1500.00}, and then I should be able to use my card for a charge of {$3000.00}. I then submitted two payments of {$1500.00} and {$100.00} using my bank ending in XXXX. I called American Express again and was confirmed that my available limit was enough to cover the {$3000.00} charge last Friday. 

However, when I checked my spending limit on the card, I was still declined for a {$3000.00} charge. So I called American Express again last Saturday ( XX/XX/year> ), and the staff told me due to it is the bank is not in business hours, and American Express hasn't received the funding yet and asked me to call back on Monday. 

On Monday ( XX/XX/year> ), I called American Express again, and the staff told me the fund had been deducted from my bank, and there was no more hold on my account, she also helped me connect the financial review team from American Express, and told there is no more documents needed from me, and I am ready to use my card right away, she even further stated to me that I had a total of {$4900.00} available limit on my card ending in XXXX ( fully {$5000.00}, there was a pending {$20.00} charge on my card ). 

However, when I tried to re-make my failed {$3000.00} purchase on Tuesday ( XX/XX/year> ), it was declined again by American Express. I called American Express, and the staff told me that they needed to hold my payment again, and wouldn't let me make any purchases anymore. I asked that then why American Express suggested I pre-pay my card to get a larger spending limit, and later held the user 's money and wouldn't let the user make any purchase. She said it is just American Express 's policy. I don't know what policy it is. It is a card without any due payment, I even pre-pay {$1600.00} into my card just because American Express told me to do so I can get a larger spending limit, but now American Express simply cheated me, and won't let me make any purchase, and the account is standing in a negative {$1500.00} balance, which means American Express owe me {$1500.00}! Why would such a big company be so evil to cheat an innocent customer 's money? It is due to my trust in Amex that I pre-pay the card without any balance, just because Amex told me so, but now I am fully cheated, and can't trust Amex anymore, I don't know what other excuse they are going to use to further hold my hardly earning money. 

I also didn't receive any email or any phone from American Express that my payment is on hold. What's more, on the American Express website, the payment shows fully credited on XX/XX/year>, but American Express just keeps cheating! 

Thanks so much for your help! 

Best, XXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and I am requesting the blocking and deletion of certain inquiries from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These inquiries were the result of unauthorized activity and should not be listed on my credit report. 
The following inquiries should be blocked and deleted : Inquiries : XXXX. XXXX XXXX XXXX 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 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or a list of inquiries : 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 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: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. I would like them to remove from any affiliation with me immediately. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX
Product: Credit card or prepaid card

I spoke with a XXXX XXXX rep by the name of XXXX on XXXX/XXXX/XXXX about a charged off Walmart card and was told that if I send them a copy that I paid the account off with XXXX XXXX XXXX they would send a request to the 3 credit bureaus to have the charged off account removed from my report. 

Its been a month since I sent them proof of payment and the account is still reporting negatively on my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$1600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX  ) XXXX Balance : {$340.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$1100.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$1300.00} XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Vehicle loan or lease

In XXXX of XXXX I began the purchase of a XXXX XXXX XXXX from XXXX in XXXX XXXX, AR. My payments were {$650.00} a month. In XXXX of XXXX the car broke down in XXXX, AR while I was away on a business trip. I contacted XXXX  to figure out what to do with the car. I was still covered under warranty and the part that needed replacement was under warranty so I was advised by carmart to have a towing company move my car to XXXX in XXXX so that I could be worked on. The car was transported to XXXX by XXXX XXXX. I had my car keys with me so I took them to carmart so that they could send my keys by mail to XXXX so that they could do the repair. After a week went by I contacted XXXX  to get an update on the keys and car. No one would give me any information and just kept telling me that someone would call me back. No one ever called me back. I called everyday for XXXX weeks to get any information from them but was never successful. I called the XXXX  in XXXX to see if they had any information and they told me that they had sent my keys to the carmart in Texas. I called that carmart and they said they would send my keys to the XXXX location. After a few more days went by I called the XXXX in XXXX to see if anything had been done yet. The worker at XXXX told me that XXXX had already had that car towed back to their lot almost XXXX weeks before I called. I tried to get information from the XXXX  in XXXX and hot springs in which neither would give me any information about that was going on. I was current on my payments so they had no reason to repossess my car. This was an illegal repossession and if I do not get a response from this complaint I will be taking them to court.
Product: Credit reporting or other personal consumer reports

LVNV Funding has previously reported these accounts on both my XXXX and XXXX. They have never provided validation or proof of the debt and the accounts were removed from my credit reports by the credit reporting agencies for lack of validation provided, in XX/XX/year>. 
XXXX was held and on or about XX/XX/XXXX, they ILLEGALY reinserted XXXX collections accounts back on my XXXX and XXXX reports. 2 accounts were added back to my XXXX and are reporting as active collection accounts, and XXXX account is reporting as a collection to my XXXX. All by LVNV Funding. 

I am disputing the reappearance of the following account on my XXXX and XXXX credit reports. This account was previously deleted, and its reinsertion is inaccurate. Under FCRA 611 ( a ) ( 5 ), if an account or information is deleted from a credit report and then reinserted, the credit reporting agency must notify the consumer within 5 business days. I have not received any such notification regarding the reinsertion of this account.

Additionally, as per FCRA 611, I request that you investigate the circumstances surrounding the reinsertion of this account and provide proof of its verification. If you can not verify this account, or if the reinsertion was done improperly, I request that it be removed from my credit report immediately. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has been lowering my credit limit on my card. The most recent letter states it was because I dont have the score necessary to maintain the limit due to : negative public records, delinquency, not having credit open long enough etc and that they are using Equifax for my score and it is reporting a score of XXXX as of XX/XX/XXXX. This is not true I have no late papyments, negative public record or negative items in my report. I confirmed with Equifax online and over the phone. They are showing my score as XXXX and per the Equifax rep on the phone yesterday theyre is no way they are getting that low score for you from us there is nothing in your credit report to generate that low score. I have called XXXXXXXX XXXX  multiple times and they can not or will not give me an answer as to what is driving my score down on their systems or what the negative items the letter references are exactly. At one point an account manager XXXX got flustered with my questions and lied to me saying she was transferring me to the credit department but instead just sent me back to main customer service line. While in the phone at another point with a customer service representative XXXX he stated at one point there was an issue with the system feeding in wrong scores but that should have been fixed and was a while ago. 
I submitted the dispute of the score through XXXX but got a letter on XX/XX/XXXX saying everything was accurate without any further details or supporting evidence or documentation. 
My feeling is that there must be some sort of system issue where scores are being mixed up or they are pulling in a similarly named persons score. They stated that the credit lowering process is automated by the system and no one is reviewing it and based on my calls its is sounding like nobody at XXXX customer care knows how it works. There looks to be the possibility of it is a system issue to have a greater impact than just myself and the process of them regularly lowering the credit limits to within a few XXXX dollars of the outstanding balance that has always been paid in time could lead others to go over their credit limits and negatively impact their accurate score by using more of the percentage of total credit available. It looks to be to be both unfair and deceptive as the score is wrong and they will not give me a complete and supported answer i to what is the cause of it, while trying to just get rid of me on the phones as opposed to giving real answers to find the truth. 

I do apologize for any typos and formatting errors in this write up as I am doing it on my phone.
Product: Consumer Loan

I made the mistake of taking out a {$1000.00} loan with this company under the impression that I would only incur {$350.00} in finance charges. That my first payment would essentially be my finance charge and that all subsequent payments following would be towards the principle. I thought the government regulated the limits a company can impose finance charges to protect U.S. citizen consumers from foreign financial scams. After my most recent payment is when I was alerted to this. I have made payments totaling {$1400.00} already and have n't even touched the principle according to there information. This is unlawful and illegal for this company while on U.S. soil to operate and defraud U.S. citizens out of money. I will continue to pursue making this practice illegal by contacting my districts congressional office and senate until this matter is resolved. Its unfair that BigPictureLoans is allowed to word and market there product in a way that preys on people desperate for a quick loan. As the great grandson of a XXXX XXXX member, I am more than sympathetic regarding the mistreatment and unethical treatment of our XXXX through the history of the United States and I stood in spirit along with those at 'XXXX '. However, this is where I draw the line on the legal things XXXX can do via XXXX that cant be done elsewhere in the continental United States. If its illegal for foreign countries to prey on our consumers financially, then that should stretch domestically.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, PA XXXX ; XXXXXXXX XXXX XXXX XXXX, WI XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX Owed : {$85.00} ; XXXX XXXX XXXX XXXX Owed : {$19000.00} XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

There have been several occasions when funds had been sent to the wrong account and when I requested a correction on the transactions they said there is nothing that can be done. Also, there has been a few transactions that I have no recollection of making. Again when i contacted customer service they mentioned that nothing can be done. Although I did second guess using the application again it was so popular and the preferred method of transferring funds quickly. 


1. XX/XX/XXXX, $ XXXX Not an authorized transactions 2. XX/XX/XXXX, $ XXXX Sent to the wrong account XXXX, $ XXXX Not an authorized transactions. 
XXXX, $ XXXX Sent to the wrong account. 
XXXX, $ XXXX sent to the wrong account. 
XXXX, $ XXXX sent to the wrong account. 
XXXX. XX/XX/XXXX, $ XXXX sent to the wrong account XXXX, $ XXXX sent to the wrong account. 
XXXX. XX/XX/XXXX, $ XXXX Not an authorized transactions.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to address the failure of the credit reporting agencies XXXX, XXXX, and TransUnion to remove a fraudulent account from my credit report, despite providing substantial evidence of identity theft. 

Background : Fraudulent Account Information : Account Holder : XXXX XXXX Fraudulent Account : XXXX  XXXX XXXX, Account Number : XXXX Fraudulent Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX Total Fraudulent Amount : {$2500.00} FTC Report Number : XXXX Dispute History : I have been disputing the aforementioned XXXX XXXX XXXX account on my credit report for several years. 
XXXX has consistently refused to remove a fraudulent address ( XXXX XXXX XXXX XXXX ), claiming it is associated with the disputed XXXX  XXXX XXXX account. 
Explanation and Discovery : Upon investigating the fraudulent account and associated address, I made the following critical discovery : The address XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX is linked to a company named Consumer Direct. I have never resided at, visited, or had any dealings with this address or the company. 
The association of this address with XXXX XXXX XXXX XXXXXXXX account clearly indicates fraudulent activity. It suggests that someone within or connected to XXXX XXXX has been using my personal information to open fraudulent accounts. 
This discovery was crucial in understanding the scope of the identity theft. It reveals a potential organized effort to use stolen identities for fraudulent financial activities, which may involve multiple individuals or entities with access to sensitive information. 
Evidence Provided : FTC Identity Theft Report : I have submitted an official identity theft report to the Federal Trade Commission ( FTC ), detailing the fraudulent activity. 
XXXX XXXX : A screenshot from XXXX demonstrates the fraudulent address association with XXXX  XXXX XXXX. 
Requested Action : I request the removal of the fraudulent XXXX  XXXX XXXX account and the associated address from my credit reports with XXXX, XXXX, and TransUnion. 
Despite my repeated requests and the provision of supporting documentation, the credit agencies have failed to take appropriate action. 

Conclusion : This is a critical matter that has significantly impacted my credit standing. The discovery of the link to XXXX XXXX underscores the severity and complexity of the identity theft. 

Supporting Documents : A copy of my FTC Identity Theft Report A screenshot from XXXX showing the fraudulent address association Thank you for your prompt attention to this urgent matter. 

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

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, MA XXXX XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Bankruptcy Case Number : XXXX Delete this account. 

3. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX  XXXX XXXX XXXX Account XXXX XXXX XXXX Please remove it from my credit report. 

7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.v
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called and sent many letters to have incorrect addresses removed from all Credit Bureaus and disputed incorrect information on reports and keep getting told they are verified but havent gave me no verification of account accuracy.