23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

In XXXX, XXXX, I was sent a notice that my credit limit was lowered from {$10000.00} to {$500.00}. There was no contact information given, and the reasons given were not justified. They said it was because of my credit score which is XXXX, a Very Good credit score. They also said my payments were too low which was never true, and that I missed a payment over the past year. The latter was true simply due to an oversight on my part, but I have been a customer since XXXX, and I have missed payments on occasion in the past as well. Never was I informed that my credit limit would be so severely restricted. I called to complain, and was told it would be reviewed, but I never received any further information about it, and my credit limit remains {$500.00}. 

Then in XXXX of XXXX, they informed me that my interest rates were going to be raised substantially only due to my credit score, which again is XXXX. My credit score has not changed significantly in years, so there is no reason this should have led to higher interest rates for me. There was again no contact information given on the notice, and when I went to the website customer support, I was told the contact information would be in the email, and they could not help me. 

It is clear, that those who made these decisions do not want to take responsibility because they know they are doing nothing more than scamming long time customers who pay their bills in full and on time. And because I dont use the card very much, I am being punished.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and these accounts were fraudulently opened in my name. 

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

Due to a late payment in XX/XX/XXXX ( the only late payment I have had in recent years with AMEX, of which I have been a member since XXXX ), according to AMEX I " triggered the Penalty Annual Percentage Rate on your account. The Penalty APR is currently 29.74 %, which is based on the Prime Rate plus 25.99 %. '' I was previously charged 17.74 % interest, so this is an increase of almost 70 % on my interest charged - the penalty interest rate applied was actually 29.99 %. This penalty interest rate, according to AMEX, is to be reviewed every 6 months. This penalty interest rate was applied to my account from the XX/XX/XXXX billing cycle to XX/XX/XXXX - a total of 11 months. The interest rate applied as of XX/XX/XXXX is 18.49 %. 

I requested an investigation with AMEX ( Job ID : XXXX ) on XX/XX/XXXX that included a request for refund on all extra interest paid under the abusive 29.99 %. As of XX/XX/XXXX I have no resolution and no response from AMEX - 102 days later.

I have tried to resolve the issue with AMEX directly with numerous calls since XX/XX/XXXX. Every time I am told to call back, my case is pending review. I called again today, XX/XX/XXXX. Upon being told the same thing ( pending review ), I decided to appeal to cfpb for help and a resolution.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 oXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 XXXX as proof from the XXXX 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 card

As written above. I have a Jet Blue Plus credit card from BARCLAYS Bank. My account is tied to another Jet Blue account and my user name and password will not allow me to change it so I can Have my own account separate from this other account. IT is HORRIBLE> They have NEVER contacted me on over 6 months and they can't seem to fix this. I am just asking them to delete my current user name and password so I can create my own account. 
I can not get on line to see ANY transactions since day 1. 
They don't even send me paper statements on the mail which has been requested many times. 
I NEED IT TO FIX This problem immediately. 
The customer representatives say they can't contact IT ... there is no telephone number that they can call. 
MY Case # is XXXX PLEASE, PLEASE help me. 
I will appreciate anything you can do. 
Thank you. 
XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with  XXXX ,  XXXX , and Equifax in reference to the bankruptcy reporting inaccurately on my credit report. They stated that it was reported by the  US bankruptcy court. I sent a letter to the US Bankruptcy court o n  XXXX   XXXX ,  2016  and they sent me a letter back stating that th e US Bankruptcy court does not report to the credit bureaus, and therefore they have no control over the information contained in my report and that I may want to work w ith the bureaus directly. I Then sent a letter to   XXXX    XXXX , and Equifax on  XXXX / XXXX / 2016  advising of the letter that I received from the courthouse and they sent me a letter back stating that this has already been disputed and they will not reinvestigate and I will need to contact the courthouse. I have contacted the courthouse and provided  XXXX ,  XXXX , and Equifax with the information that was given to me and they fail to reinvestigate. It is my understanding that reporting false information is a violation of the Fair Credit Reporting Act, and by them claiming that they received the information from the court, when they did not is a complete violation and that means that false information is being reported on my credit report for the Bankruptcy and  Tax Lien. The tax lien is showing that the courthouse is the furnisher of that when clearly they are not. I called the courthouse for the information pertaining to the Tax Lien and th ey told me the same thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are numerous inquiries on my credit reports from XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX 

I contacted them and asked them to correct the illegal inquiries that are on my credit reports and they said these inquiries are valid. 

I disputed these inquires in XXXX, XXXX and XXXX through XXXX, XXXX  and Equifax and they have not been investigated, verified, updated or removed. 

What normal human being in their right mind would apply for credit card or a loan through XXXX XXXX  on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX? 

Can you please contact XXXX XXXX, XXXX, Equifax and XXXX and have them delete these inaccurate, illegal inquiries of my credit report?
Product: Credit reporting, credit repair services, 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, has violated my rights. 

15 U.S.C 1681 section 602 A. states I have a 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 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 a reasonable cause to believe that the information is inaccurate.
Product: Mortgage

As part of our mortgage payment, taxes and insurance are escrowed and the policy premiums are to be paid by the mortgage servicer. Our mortgage servicer, Planet Home Lending, LLC., failed to pay our flood insurance premiums causing our policy to be cancelled, leaving us uninsured. More than a year later, they brought their error to our attention by threatening to purchase force-placed coverage to cover for their error and incompetence, and demanded that we obtain a new policy. We later learned that XXXX stole funds from our escrow account to cover for their error, without our permission. We lost the " grandfathered rate '' that we had with the original insurance company, and the lowest cost replacement policy was substantially more expensive. I have written several letters to XXXX detailing their error. The first was XX/XX/2022. There was never any reply or response. During my calls, I asked if they received my letter, and they said " yes, we put it in your file. ". I asked why they did nothing, and while they admitted their mistake on the phone and promise to take care of it, they have never acknowledged anything in writing, nor done anything. They have promised to correct our account balance, remove all late charges and fees, credit us for the difference in our original policy and the new policy, and correct our monthly payment. ( Our correct monthly payment is sent automatically each month, and has always been received on time. ). Notwithstanding, they continue to harass us for payment and threaten to ruin our credit. Despite numerous calls to their insurance department, and customer service, they have done nothing. On XX/XX/2022, I wrote to XXXX XXXX XXXX, the president of Planet Home Lending LLC, detailing everything and providing copies of prior letters. I received no reply from her. On XX/XX/XXXX I received an unsigned form letter from a XXXX XXXX XXXX XXXX saying that they would look into this matter. So far there has been no response, except the default notices that XXXX continues to send us, telling us that we are " seriously delinquent and in default. ''
Product: Debt collection

I moved out Apartment in XXXX they sent me a bill I owe them this amount of {$1000.00} and I owed XXXX XXXXXXXX XXXX XXXX deposit Originally {$300.00} in Which i paid in XXXX.
Product: Credit reporting or other personal consumer reports

I sent. dispute letters to XXXX, Equifax and XXXX to validilate these accounts that thru verifiable proof however, These Companies have neglected to provide the original agreement with my signature as well as they are not following their own policies and responding back within 30 days
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and XXXX XXXX of 2016. that a computer glitch that was TransUnion 's problem, not mines caused my inquiries to be deleted. TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. I have contacted XXXX XXXX XXXX XXXX and XXXX XXXX, XXXX XXXX, XXXX XXXX. These inquiries add a hardship and that my rights were violated by TransUnion. CFPB help me make TransUnion stop victimizing me. As a resolution that all of my TransUnion inquiries be deleted permanently from my report as a violation took place when they were illegally added.
Product: Credit reporting or other personal consumer reports

I have recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts reported to my credit report. These remarks have been detrimental to my life and credit health.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following are hard inquiries on my credit reports. I don't recognize or recall authorizing these inquiries. 

XXXX : - XXXXXXXX XXXX  XXXX XX/XX/XXXX - XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX XXXX XXXXXX/XX/XXXX - XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX TransUnion : - XXXX XXXXXXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - XXXX XXXX XXXX XXXXXX/XX/XXXX - XXXX XXXX XXXX XXXXXX/XX/XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im 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 XXXXXXXX XXXX .... Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX. Balance : - ; XXXX XXXX XXXX XXXX XXXX .... Balance : - ; XXXX XXXXXXXX .... Balance : XXXX ; XXXX XXXX  XXXX XXXX .... Balance : {$870.00} ; XXXX XXXX XXXXXXXX XX/XX/XXXX; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX someone fraudulently opened a credit card account under my name. Starting in XX/XX/XXXX, I have attempted to have this removed from my credit report. I sent all needed documentation including police reports, ftc reports, proof of ID, proof of address, signed and notarized affidavits etc. 
XXXX and XXXX were able to remove this fraudulent account, but TransUnion has declined to do so in spite of documentation proving identity theft. 
I also purchased their id theft protection service but was told there was nothing to do but wait until information came from the creditor. All of this while waiting countless hours in several calls with customer service ( there is no direct line to help victims of fraud ). 
TransUnion has done nothing to help me as a victim of identity fraud in spite of me paying for services and sending the appropriate documentation.
Product: Mortgage

On or about XXXX XXXX, 2016 I submitted a detailed complaint to CFPB regarding CitiMortgage 's horrendous treatment of my client, XXXX XXXX. Citi continues that treatment ; each week it sends me a letter telling me it is still reviewing the complaint. This failure to serve customers is an unfair trade practice and lack of good faith. Please follow up with Citi for immediate action on this matter! 
See Complaint # XXXX
Product: Debt collection

On XX/XX/year>, in response to correspondence dated XX/XX/year>, I placed a call to CCS ( Credit Collection Services ) toll free number, disputing this collection. Per the correspondence receive, I was given the option to call or write to CCS by XX/XX/year> to dispute this collection. I spoke to a collection assistant, relaying the information that I was disputing this collection per the notice I received. This assistant, continued to repeatedly ask me why after I relayed to her my reasoning - that I did not have information or knowledge as to what services I received and that I disputed the amount due. Each time I repeated this, she would say " but why ''. This collection assistant, offered me no information as to what next steps were to be taken or to provide me information related to the supposed debt, and just continued to repeat why to me multiple times. After she repeated why to me approximately five more times, I hung up on her. According to the recording I encountered, this call was recorded. 

I have now received additional correspondence, dated XX/XX/year>, the very day I called to dispute this collection, stating that adverse credit information is scheduled to be reported to one or more of the three major credit bureaus, despite the fact that I am disputing this claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give permission to this company to pull my credit.I have not submitted application with this company since 2017 when I originally obtained my credit card.
Product: Debt collection

I am a federally protected consumer. This company hired another company to collect an alleged debt. This company gave this company my personal information which as a consumer is private. Pursuant to 15 usc 1692c, this company communicated with a third party about this alleged debt without my consent. This company is in violation of consumer law pursuant to title 15 chapter 41.
Product: Credit reporting

I do not have a contract with the said company. I have sent validation letter to XXXX back in XX/XX/2016 with the letter being returned undeliverable. Shortly after JH Port started reporting this account with the credit reportinfg agenices.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$7200.00} XXXX  XXXX Balance : {$7500.00} XXXX XXXX XXXX Balance XXXX {$25000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$210.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$420.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020, I filed a dispute with this credit major bureau about the unverified account : XXXX XXXX XXXX account # XXXX. In those two months I have asked numerous times for a response and I have not received anything in response from this bureau in over 30 days which is a violation of the FCRA. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about this unverified account as of today. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, After reaching out to Best Buy Credit Services dispute department. Best Buy Credit Services notified me that I am getting a credit to my account in the amount of {$2300.00} within 2 billing cycles for a cancellation of a Auto extended warranty from a  company called XXXX XXXX XXXX XXXX which I purchased earlier using Best Buy Visa. 
Instead of receiving my credit amount of {$2300.00} which was promised. Best Buy card continues to bill me with interest despite my continuous effort of reaching out to them. Now Best Buy card is using a collection agency " XXXX XXXX XXXX, XXXX '' to collect {$2900.00} from me.
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 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for d purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act, the list of credit reporting agencies and creditors have 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 15 usc 1681 section 602A states I HAVE THE RIGHT TO PRIVACY.

15 usc section 604A section 2, states A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT WRITTEN CONCENT OR INSTRUCTIONS.

PREVIOUS REQUEST TO CEASE AND DESIST THIS VIOLATION HAS BEEN IGNORED BY REPORTING AGENCIES, A CLEAR DISREGARD FOR THE LAW.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not given written consent to report anything on my credit report 15 code 1681-b
Product: Vehicle loan or lease

Capital one will not refinance my loan. I have paid XXXX $ + and owe XXXX more. Ive made payments consecutively of XXXX a month for the last three years and will be paying twice as much for the vehicle. They wont refinance me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX  XXXX XXXX XXXX, AL XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX A, XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Checking or savings account

I recieved a settlement check for {$1200.00} from XXXX  XXXX XXXX settlement through XXXX XXXX XXXX XXXX XXXX and deposited it into my account XX/XX/2022 and was told to call the next day to see if I can get it cashed but I was told they needed to verify the check with the bank and the law firm that got the class action lawsuit settlement.I 've called everyday to chase to try to get this resolved, I even called signature bank and XXXX XXXX XXXX legal administrative myself to get this all figured out so the check can get cleared they stated that other people in the class action lawsuit had chase accounts and didnt recieve the problems I had received from chase bank .I have been on the phone with chase bank for 3 weeks on hold for XXXX hours, I've experienced unprofessional service, I've been hung out on 14 times I total, disrespected, humiliated when I do walk in the branch for more assistance, I feel like race is a factor in this situation from seeing other customers get handled differently in the past .I tried to put a stop on the check to get another one reissued but the check has already been cleared its just chase bank holding the check for no reason at this point, my account has been restricted so I cant use funds that I've already had in there before I deposited the check .I missed my anniversary with .y wife for this reason and have got behind on Bill 's as well ..I wan na be composted for the pain and suffering that this situation has caused me and my family.
Product: Credit reporting or other personal consumer reports

I didn't initiated these records, and I unequivocally suspect them to be deceitful.