23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/2021 I was alerted via email by American Express that my credit limit on my AMEX Hilton card had been reduced from {$25000.00} to {$8000.00} which was just above my balance. I was shocked to read the secure message from American Express stating that the adverse action was due to my FICO score being XXXX. I do not have anything negative on my credit reports. I immediately pulled my FICO scores from both XXXX  as well as XXXX. These are true FICO scores. My XXXX  fico score is XXXX. I have attached proof of this to this complaint. I contacted XXXX  and spoke with a supervisor and she also confirmed that there was nothing negative on my credit report. She also stated that XXXX  did not do a soft account review inquiry on XXXX XXXX which is the date American Express states they performed the review that resulted in the credit limit decrease. There is nothing to dispute with XXXX, as the report is 100 percent accurate, including personal information, social security number and address. 

I spoke with multiple reps at American Express and was told that if I paid {$1800.00}, they would restore my Hitlon Amex limit of {$25000.00}. I have no problem with this, however it does not address the issue of American Express stating my credit score is XXXX. 

On XX/XX/XXXX, I used my American Express XXXX XXXX card and immediately received an email from AMEX stating that they had reduced this card from {$35000.00} to {$1000.00}. Of course, the same letter was attached via secure message as with Hilton, referring to the severely inaccurate XXXX FICO score. 
I called a CSR and was told to submit my FICO score via fax and they would consider reinstating my credit limit. 

My concern goes way beyond just restoring my credit limits. I want to know why and how American Express got the false information that my credit score is so low when it is not. The only thing I can think of is that I am an additional cardholder ( authorized user ) on a family member 's AMEX card that has the same last name as mine. I have been an additional card holder for close to 20 years without an issue. This family member is in good standing with AMEX but does have credit issues. They have stated that on THEIR Amex account page, their FICO shows as XXXX. I do not believe this is a coincidence. 
It is my belief that their FICO score was updated to my individual American Express account during an account review of their account. It really is the only explanation. 

I have a job where I have to maintain a good credit score. I take clients to business meeting dinners and would be humiliated to have my credit card declined due to false credit information. I am also preparing to refinance my mortgage. I have been stressed beyond belief and appreciate your help with this. I would like to use my American Express card with confidence again.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I retrieved a copy of my credit report and discovered multiple inquiries that I have no knowledge off. I had called equifax to file a dispute for unauthorized inquires on my credit report. Equifax told me that they're factual and they will remain for 2 years. I told equifax I didn't apply and then I asked can you please investigate this matter.
Product: Money transfer, virtual currency, or money service

I have a Gemini account that was last accessed in XX/XX/XXXX. I have made a number of attempts to long into my account with XXXX XXXX that Gemini asked me to download. 

I have not been able to log into my account and Gemini support claim my phone number ends in XXXX which I don't recall. I checked my XXXX phone records and there's no phone number that ends in XXXX. 

XXXX, a rep from XXXX emailed me and stated that : XXXX XXXX ( XXXX ) XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Thanks for reaching out to XXXX Support. 

My name is XXXX, and I am more than happy to help you with your request. 

The phone number registered at the moment is the XXXX ending in XXXX. Can you please send me a screenshot of the console? 
Best regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have several inquiries on my credit report that I do not recognise and and authorise XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 H & R Accounts Inc added a derogatory mark on my credit report per XXXX XXXX & XXXX. Upon, further research this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection also there was no written form of communication, contract or written signature for this accused debt. A bill without a written signature does not validate the debt and anybody can send a bill and say that it belongs to me. According to the FCRA H & R Accounts Inc has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

Your agency Violated my rights to privacy. The law you are violating clearly states : 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer 's Right to Privacy ) ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the Consumer 's right to privacy. The civil liability laws states clearly : : 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. Please remove this account from my consumer report. Account ( XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I need someone to help me figure out what i need to do about my records my background i cant to get a job because of my background I'm not sure who to talk to about how much i owe XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX account number XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$50000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I previously notified you on XX/XX/year> that there was information on my consumer report as the result of identity theft. Also that I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. In accordance with the law, the requirement threshold is simply : Proof of identity - a copy of my State ID was provided A copy of an identity theft report - furnished from XXXX, a government agency The identification of said information by the consumer - listed in my last letter but I digress is as listed : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX. 

A statement by the consumer that the information is not information relating to any transaction by the consumer - which I have previously stated per the letter sent on XX/XX/year>, but alas I reiterate once again that this information is not any information relating to any transaction by me as a consumer. 

As the consumer reporting agency, a block of the information that resulted from an alleged identity theft should have been no later than XX/XX/year>. My request to block was and is not being made in error, nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions.
Product: Debt collection

on XX/XX/2021, i sent South Mississippi Collection Service Inc letters for some alleged debts of : {$550.00} and XXXX $ that i don't owe in which they never responded so i sent a letter on XX/XX/2021 requesting the validity of the debts that they are reporting on my credit. i sent the letters off XXXX certified mail w/tracking # XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have spent hours trying to sign on account and this has happened 5 times before-Discover does not reset password.
Product: Credit reporting or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX Inquiry Date Removal Date Type Phone Number XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Inquiry Date Dispute XXXX XXXX XXXX  XXXX Inquiry Date Removal Date Type Phone Number XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date Removal Date Type Phone Number XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry Date XXXX Removal Date XXXX Type National Credit Card Cos. 
Phone Number ( XXXX ) XXXX XXXX Inquiry Date Removal Date Type Phone Number XXXX XXXX National Credit Card Cos . 
( XXXX ) XXXX XXXX Inquiry Date Removal Date Type Phone Number XXXX XXXX National Credit Card Cos . 

XXXX XXXX XXXX XXXX Inquiry Date XXXX Removal Date XXXX Type National Credit Card Cos. 
Phone Number ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry Date Removal Date Type Phone Number XXXX XXXX National Credit Card Cos. 
( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Inquiry Date Removal Date Type Phone Number XXXX XXXX National Credit Card Cos. 

XXXX Inquiry Date Removal Date Type Phone Number XXXX XXXX National Credit Card Cos. 
( XXXX ) XXXX Inquiry Type : Credit Unions XXXX XXXX XXXX Inquiry Date Removal Date Type Phone Number XXXX XXXX Credit Unions ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry Date Removal Date Type Phone Number XXXX XXXX Credit union XXXX XXXX XXXX Inquiry Date Removal Date Type Phone Number XXXX XXXX Credit Unions ( XXXX ) XXXX Dispute XXXX XXXX XXXX Inquiry Date Removal Date Type Phone Number XXXX XXXXXXXX Credit Unions ( XXXX ) XXXX XXXX XXXX XXXX Inquiry Date Removal Date Type Phone Number XXXX XXXX Credit Unions ( XXXX ) XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX,XX/XX/XXXXXXXX XXXX XXXX XX/XX/year> XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX, XXXX, and XXXX ] Re : Dispute of Account Information Pursuant to Fair Debt Collection Practices Act ( XXXX XXXX XXXX ) To Whom It May Concern, I am writing to dispute the accuracy of information regarding an account with XX/XX/XXXX, as reported by your agency. This dispute is made under the provisions of the Fair Debt Collection Practices Act ( XXXX XXXX XXXX ). 
Name on Credit Report : XXXX XXXX Account Number : XXXX Date of Report : XX/XX/year> I have reviewed my credit report from [ XXXX XXXX and XXXX XXXX information regarding my account with XX/XX/XXXX Specifically, the report states [ describe the specific inaccurate information, e.g., account balance, payment history, account status, etc. ]. 
Upon review of my records, I have confirmed that this information is incorrect. According to my records [ provide details supporting your claim, such as payment receipts, statements, or correspondence ]. 
I am requesting a thorough investigation into this matter in accordance with my rights under the Fair Debt Collection Practices Act. Please investigate this dispute and correct any inaccurate information in my credit report. Additionally, I request that you notify me in writing of the results of your investigation and provide a corrected copy of my credit report. 
Enclosed are copies of [ any supporting documents you have, such as payment receipts, account statements, or correspondence ]. These documents substantiate my claim and demonstrate the accuracy of my account information. 
Furthermore, please ensure that any corrected information is provided to all credit reporting agencies that have received this inaccurate information. 
Please acknowledge receipt of this dispute within 30 days and inform me of the actions taken to investigate and correct the information. You can reach me at the above-listed contact information if you require any further details or clarification. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent account name XXXX XXXX XXXXXXXX, account number XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

On XXXX. My aged debt was Reported as delinquent. ( Amount XXXX ) Date my old debt was reported was XX/XX/year>. Statute of Limitation has passed. It seems the new collection agency re-aged my account, which means they changed the date that the account first went delinquent, making the debt appear newer. This is a violation of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these accounts ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate amendment of the following erroneous information on my credit report : 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

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$400.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$0.00} XXXX XXXX XXXX XXXX XXXX  - {$8000.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$1300.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$25000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$270.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I took out loan XXXX with Citizens One bank for an XXXX in XX/XX/XXXX and it was fully paid off. 

When I tried to take out a loan in XX/XX/XXXX I was told I was delinquent and was denied. 

I made a compliant and new bills started arriving regularly telling me I owed a lot of money. 

I called back. It turns out either XXXX or Citizens One hasnt paid back or been reimbursed {$180.00} from the original loan so it was never closed. It isnt clear if this is *my* {$180.00} or if it comes from the equipment I upgraded or where it belongs. No one knows anything. 

A repeat compliant was opened XX/XX/XXXX and now even more bills are arriving telling me Im in arrears for a fully discharged XX/XX/XXXX loan and I cant get new loans. 

Citizens One said the bills are automatic. They cant be stopped. Someone is looking into it. But nothing is happening and I want my credit repaired and I want my {$180.00} with interest if its mine. I want an apology. 

This morning I spoke to XXXX and asked for a supervisor, I was forwarded to XXXX. It has taken many hours to straighten out and its still not corrected. 

They deserve an investigation.
Product: Payday loan, title loan, personal loan, or advance loan

I took an advance from Grid months ago. Once it was repaid, I wanted to delete my entire account with them. This was in XX/XX/2023. They do not allow you to delete your information from their mobile applications or from your online account profile. I was told that they had to do it from their end. Today, XX/XX/2023, they have again charged me {$10.00} for a " membership fee '' that I did not want ... which showed me that they didn't delete my banking information from their databases. 

These people are a scam. They will continue to charge you even after you have cancelled your " membership '' with them. Do NOT get involved with them!!!!
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 XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) : # XXXX, has violated my rights. 

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

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

15 U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

This is in reference to my complaint disputed and submitted via CFPB in XXXX 2015 regarding an account that I have just found out is now sold to Syndicate Office Systems. The disputes complaint number initially was XXXX and to re iterate ; I was informed by the IRS that my personal information had been used and that I should check my credit because accounts may have been opened in prior years to the year that they discovered the ID theft. When I checked there was indeed accounts that I had not opened and this is one of them. I was then advised of what I should do as a victim of Identity Theft. I am contacting all account that do not belong to me and have been opened fraudulently. I forwarded my Identity Theft Affidavit via the CFPB portal ( 9 ) months ago to Central Financial control and have resent the information to you again.
Product: Checking or savings account

I was a victim of XXXX fraud on XX/XX/XXXX for {$2000.00}. i did not authorize or personally send this money. when i filed a fraud claim with wells fargo i was denied due to " the transaction being made by you or someone who had your permission to perform transactions on your account '' which is not the case. When i originally made the claim i was credited {$2000.00} and then received another letter on XX/XX/XXXX stating they were going to reverse this credit again taking half my savings. 
I have already appealed the closed claim.
Product: Payday loan, title loan, or personal loan

I have made several attempts to contact LendingUSA concerning my balance that is not decreasing and i overpay each month. I was hung up on three times by this company on XX/XX/XXXX trying to obtain my payoff and historical payment history to determine what i owe. I do not know why they are denying me this information or feel the need to hang up up a customer who overpays them, but this is the response i get when i reach out to obtain my information concerning this loan.