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

Since XXXX XXXX I have been consistently paying off my American Express balance at about $ XXXX a month after having gone through a unexpected emergency which saw my credit pushed to its limits. I never miss payments and XX/XX/XXXX was the first month Id ever failed to pay of the previous balance. 

Since then the balance on my account has been steadily reducing and my credit score been improving. Before making my payment last month to American Express I took advantage of their Plan It program offer reducing my overall balance and setting my minimum payment for about XXXX of my overall balance to XXXX  monthly. That was the XXXX of XXXX. 

On the XXXX of XXXX, I opened an email from American Express saying they were going to lower my credit limit if I failed to pay them {$1500.00} in three days. Having just 5 days earlier given them {$1000.00} for my due date I thought the email must be a scam. I checked my account messages and found nothing so I forgot about it. A week later I received another email saying they had indeed lowered my limit by {$4000.00}. Over double the amount my balance was reduced due to the Plan It option. Essentially raising my credit utilization more than it had previous been. 

When I contacted Amex about this issue I was first fed some lip service about why my limit had been reduced and then offered two options for resolution. The first an appeal, which was explained could be denied, or another guaranteed option for reinstating my limit paying them XXXX by mid XXXX. That is extortion. Plain and simple. 

This company who has, without fail, been paid every month, almost always above the min, offered my account an incentive to pay some charges over time ( for a fee! ) and then tried to extort another large sum payment after Id agreed to a XXXX minimum for a part of my balance. I had/have every intention to continue to pay far over any min, as I need to find a new apartment in the upcoming months and now will struggle to do so due to a reduction to my limit, affecting my credit score. 

Blatantly greedy, especially when the program is suppose to be a lifeline to those who could really use more time to pay off there balance. Please beware.
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 


XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$6500.00} XXXXXXXX XXXX XXXXXXXX Balance : {$6000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$16000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, someone generated an inquiry on my credit report titled " XXXXXXXX XXXX XXXX ''. This inquiry was NOT authorized by me and was done fraudulently! I contacted XXXX and TRANSUNION and advised them of the situation. They both stated that I needed to send in an FTC report along with a cover letter in order to get the inquiry removed. On XX/XX/2023 I sent them both a cover letter along with a FTC report. XXXX has yet to remove the inquiry and its been well over 30 days. TRANSUNION confirmed they received my documents but deemed them invalid because they did not have my signature or the date on them. I have attached the documents that Ive sent to them and it CLEARLY has my signature and the date.
Product: Debt collection

SCA has reported XXXX collection accounts on my credit report. Prior to these accounts appearing on my report, I never received a notice of right to dispute, which is a violation of the Fair Debt Collection Practices Act. I have asked SCA to remove these accounts because I was never served with a notice of right to dispute, but they refuse.
Product: Credit reporting

My issue is with a car lease. The car was not repossessed. It was surrendered because of a very serious safety issue with the car. The company did not resolve the issue in a timely manner. My son had to drive the unsafe vehicle back to the original dealer, which was an hour of driving the vehicle. His life was at risk driving this unsafe vehicle. No loan car provided. XXXX resolution center was of no value in helping us resolve this issue. Weeks of talking to representatives, opened a case with XXXX. The facts were not correct on the report on their behalf. The worst service I have ever had. XXXX leased a car to me after the fact without a problem. Also just paid a lease off for my XXXX. My credit is excellent and this unfortunate issue of " safety '' is hurting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, & XXXX is still reporting fraudulent information on my Credit Report after I submitted them information pertaining to the USC 1692 & 1692P FDCPA as well as a certified copy of my UCC-11 filing with the Secretary of State. Ive attached a copy for your records. According to TITLE 31 U.S.C. SEC. 3123= All debts are UNITED STATES obligations
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo Servicing Center Home Equity Payment Processing Refusing To Honor The Payoff Statement For Home Equity Account XXXX In The Total Amount {$43000.00} As shown Charge Off On My Credit Report. Which Is Discriminator against Me On The Basis Of My Race, Age, Sex, Religion, and Marital Status. Who Refuse To Send Me A Letter That Indicate My Account Has Been Payoff Satisfactory And Not Charge Off. It Actually Saying I Foreclosure On My Home Mortgage Loan.
Product: Credit card or prepaid card

I had/have accounts with Comenity Bank for years. These accounts have been closed for a couple of years and I have been paying off the debt. Earlier in this year I noticed the accounts were reopened and stated that I had available usage which has affected my credit. Anytime that I apply for anything it shows that these accounts are opened. I learned that Comenity Bank updated their system and the accounts reopened. The accounts that I am referring to are ( Victoria Secret, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Wayfair, XXXX XXXX XXXX XXXX XXXX. ) I do not want them to stop communicating with me but I want them to update my credit report immediately. I have filed disputes with the credit bureau and I have also contacted Comenity and nothing has worked. I want it fixed immediately because it is affecting my credit.
Product: Mortgage

This problem started last year XXXX of XXXX in XXXX XXXX Texas. I 'm a XXXX veteran XXXX I turned all the paperwork in the month of XXXX XXXX when I retired from the military XXXX/XXXX/XXXX. The taxes district appraisal had my paperwork and said that they would send my documents into my bank. My bank, US BANK never received the documents. The District Taxes Appraisal said " It would be sent out in the month of XXXX, US bank would receive by XXXX they the mortgage rate would be changed then ". I called my bank in the month of XXXX or XXXX after leaving the District Taxes Appraisal seeing if they received my documents the rep from US bank said NO. the rep stayed on the phone as they talked & talk with the rep from the district appraisal. Nothing happened XXXX had n't done there part to send documents in. In the month of XXXX was at XXXX from the Department of the military. I turned those documents in my bank, through the district appraisal. It went in right away. Previously I received documents from US BANK stating that my mortgage would be at {$1800.00} starting the month of XXXX till there were new document to prorate & there would be a new mortgage balance. The bank totally ingored my documnets. I had my documents turned in on time before they sent the new bill of XXXX. I 'm curently behind on mortagae due to this. I 've had XXXX diffrenet amounts for mortgage. Being at XXXX my mortgage is XXXX ... Other veterans I 've spoken with is also in XXXX XXXX of XXXX XXXX their 's mortgage is in the low {$800.00} or high {$900.00} same square footage as well. I 've never been late on mortgage payments until XXXX XXXX US BANK old me they had noted my account several times with information once I missed payments they did n't know where notes had went, it 's as if they did a XXXX ' degree turn on me I felt like I was be abused by they mortgage company please help
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name XXXXXXXX XXXX XXXX Account Number : XXXX Account Name XXXXXXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, I filed Complaint # XXXX involving XXXX with Consumer Financial Protection Bureau ( CFPB ). XXXX deemed the complaint quickly as duplicate by end of day. I was submitting Transunions NOTARIZED Identity Theft Victim Affidavit that was notarized just earlier in the morning prior to submitting. I left a message few days ago for XXXX at the Card Executive Office to see how to submit. When I didnt hear back from him ( which is not unusual ) I submitted the affidavit with CFPB. I get more done with submitting with the CFPB instead of trying to contact companies direct. Plus after 4 years, I am ready to be heard, have the fraud and theft recognized, and regain my credit.
Product: Debt collection

I am contacting you to request the deletion and removal of the following accounts and information from my consumer report. It is imperative that these accounts and information listed below are not reported on my consumer report. This action is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Therefore, I urgently request that you remove these accounts and information from my consumer report without delay, as they are in direct violation of multiple laws. I expect immediate action to rectify this situation.
Product: Credit card or prepaid card

My complain is about Bank of America Visa 's fraud protection. BoA had the chance to seize the money in dispute, but still let go without my final consent. 

I filed dispute claim with credit card department on XX/XX/XXXX about a {$2400.00} charge on XX/XX/XXXX by a plumbing company. I received service from this plumbing company but later as I contact them, all can be found is {$570.00} payment from me rather than {$2400.00}. The business owner asked me to dispute this charge with credit card company, they'll not fight back. So I filed claim with Bank of America and emphasized the business owner do not recognize this charge and can provide statements written upon request. 

Bank of America turned back to me onXX/XX/XXXX and told me they got feedback from the " merchant '' insisting they are who they claim to be and it was I who authorized the charge. I contacted the plumbing company again and business owner confirmed again they did not charge, in fact their charge should appear differently than what appeared on BoA 's credit card bill. Now to me I am being charged by a XXXX merchant that registered itself with a very similar company name. 

On XX/XX/XXXX I called Bank of America and ask to resume the dispute. But I am told BoA already sent money to the ( XXXX ) merchant on XX/XX/XXXX, and put back the charge on me. There is nothing Bank of America can do from this point. 

My complaint to BoA is whether they are standing by their fraud protection. Charges made to stolen card are protected, but charges by XXXX  party in disguise is not? Also the unfair thing I feel is, in the claim, I said the charging party is not who it pretends to be, and the charger fights back saying it is. Why BoA choose to believe this merchant over me? Wouldn't it make more sense BoA asked for evidence from both parties before releasing the fund? Don't BoA feel it important to protect it's consumer 's money? 

I do not file credit card charge disputes often. The only other time was many years ago with XXXX, over what I believe a more complicated transaction. The experience with XXXX, in simple term, was way better. 

( Plumbing company is a large franchised chain. It's name is omitted here. )
Product: Bank account or service

A deposit was returned NSF and I asked Wells Fargo to redeposit the check on XXXX XXXX, 2016. The check cleared the bank on XXXX XXXX, 2016 and although I provided a copy of the front and the back of the cancelled check, Wells Fargo continued to hold the funds until XXXX XXXX, 2016 and charged me and overdraft fee of {$35.00} for a check that posted to my account on XXXX XXXX, 2016. They recently started holding all deposits until they, " clear, '' even if your account has enough to cover the deposit.
Product: Credit reporting or other personal consumer reports

Account showing XXXX  days past due in XXXX XXXX however on time payments in XX/XX/year> and XXXX XXXX this cant be XXXX  days late if months before and after are on time payments. This account needs to be removed for inaccurate reporting like this throughout its history.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I received a letter from Equifax stating they had placed a fraud alert on my credit reports by my request. I was baffled because I did not send anything to Equifax that required putting a fraud alert on my file. Earlier in the month, I sent in a credit dispute but didn't ask for a fraud alert. It appeared someone misinterpreted my credit dispute letter and took it upon themselves to place a fraud alert, which has caused so much confusion and stress on me with creditors calling, sending massive mail correspondence asking for a police report. Equifax fraud department even sent the other bureaus this alert and now it's a bigger mess with them locking down my files. 

I've sent Equifax a letter asking them to remove this along with a letter from XXXX XXXX that states that they did not see any signs of fraud on my account. 

I'm hoping they can resolve this issue quickly!
Product: Checking or savings account

XX/XX/XXXX, they let my account go into XXXX overdraft then suddenly changed it so that there's no overdraft. 

XX/XX/XXXX, did not honor an Ach which wrecked my credit for late payments.
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, I am writing to formally file a complaint against Experian, Equifax, and transunion which has engaged in unfair and/or deceptive financial practices that have negatively impacted me.

Complaint Details : Name : Equifax, Experian, TransUnion Steps Taken to Resolve the Issue : I have attempted to resolve this matter directly with Equifax, Experian, TransUnion but they 
have failed to provide a satisfactory resolution. I have : 1. Contacted their customer service on XX/XX/year>, and I was told XX/XX/year> XXXX. Sent written communication mail on XX/XX/year> but I have not received a response or an appropriate resolution. 
3. I have filed complaints with other agencies, disputing charges, or contacting legal help Desired Resolution : I am requesting that Equifax, Experian, TransUnion take the following corrective action : cancellation of charges, correction of records, deletion of any inaccurate inquiry, etc. 

I believe this companys actions violate consumer protection laws, and I request that the CFPB investigate this matter. I appreciate your prompt attention to this issue and look forward to your response. 

Thank you for your time and assistance. Please feel free to contact me at XXXX if you require any additional information. 

Sincerely, XXXX XXXX
Product: Credit card

I made a payment to Barclays card on XX/XX/XXXX, the payment went through and they charged the payment from my bank account ( XXXX XXXX ), days later Barclays claimed that the payment was returned by insufficient funds but the money was taken from my bank account and never returned. I called Barclays and they said they never received it. So I called my bank and file a claim for the {$500.00} now Barclays is charging me {$500.00} and said that I didnt agree with the payment when they said they never received the money! I have spend like XXXX hours in the phone and non of the Barclays representative had a response for me! BARCLAYS US worst bank in the us!
Product: Credit reporting or other personal consumer reports

I have asked for XXXX to remove items from my credit report and sent them report XXXX  proof and they refuse to move it.
Product: Checking or savings account

Citibank has been giving me the run around interms of my account. I was told that my account was being closed back in XXXX and that they were sending my funds that were in my account via check and the XXXX  could not give me a reason as to why it was closed and than they are telling me my account was reinstated just a whole bunch of lies they have hung up in my face. It has been longer than 90 days and they are still telling me the account is in process of closing they are the worst bank to work with and should be personally shut down because they do not try to help there customers.
Product: Checking or savings account

On XX/XX/year> I've contacted US Bank customer service over the phone requesting to update billing address on the business checking account associated with company A XXXX XXXX XXXXXXXX, XXXX. We've recently changed our registered agent ( which reflects the change on the SOS with XXXX XXXX XXXX ) and in order for the account to stay up to date the phone call to US Bank has to be made considering the fact the US Bank doesn't give consumers the opportunity to update billing information online on their own in 2024. After being transferred to customer service representative who wasn't able to assist ( due to having a business debit card associated with the account and therefore not having a PIN - we didn't request one in a first place ) the customer service specialist wasn't able to provide assistance. When requested a supervisor to step on the line, was placed on a 'death loop ' waiting line holding for almost 20 minutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX car dealership ran my credit without my permission on XX/XX/XXXX & XX/XX/2021. Ive been in contact with the dealership and financial companies with no results. I need these inquiries off my credit fast. Equifax is the only bureau that wont remove from my credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a debt validation to prortfolio recovery and they only send me a debt verification on XXXX XXXX certified mail with the confirmation number XXXX and a return to sender that was received on XXXX XXXX by XXXX XXXX. 

I received the verification letter on XXXX XXXX on the mail. 

On XXXX XXXX I resend them a letter that stated to send me a validation of the debt, the letter was send via certified mail with the confirmation number XXXX and they received on XXXX XXXX by XXXX XXXX and prortfolio recovery never respond to my certified letter
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, D.C. XXXX Dear Sir or Madam, I am writing to formally lodge a complaint regarding XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. Several months ago, I requested a Debt Validation Letter from this organization as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). However, to date, I have not received any response or the requested validation of the alleged debt. 

In the absence of a Debt Validation Letter, I am unable to verify the legitimacy of this debt. This failure to respond constitutes a violation of the FDCPA, which mandates that a debt collector must provide validation of a debt upon request. 

Given this lack of response, I am formally requesting that this alleged debt be removed from all credit bureaus immediately. The failure of XXXX XXXX XXXX XXXX to provide the requested validation leaves me with no other recourse but to seek your assistance in ensuring that this erroneous debt is expunged from my credit records. 

I trust that the CFPB will take the necessary steps to address this issue promptly. Thank you for your attention to this matter. I look forward to your swift response and resolution. 

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

I paid a collection XX/XX/2022 and it was removed from XXXX and XXXX that following Monday. I noticed it was still listed with Equifax in XXXX and reached out to the creditor who was able to confirm it was paid and provided me with the confirmation and reference numbers so I disputed the collection report on Equifax 's website. I was informed that the collection still stands as of XX/XX/2022 as unpaid! I reached back out to the creditor who repeated what the previous agent told me and advised me to reach out to Equifax. I called Equifax and explained that I had already spoken with the creditor who not only confirmed payment but also the removal from ALL bureaus and the agent I spoke with at Equifax just advised me to submit another dispute!
Product: Credit reporting or other personal consumer reports

I was shocked to discover inaccurate accounts on my credit report this morning and cant understand how they got there. Ive always checked my credit report regularly, and this time, I found unexpected discrepancies. At first, I thought it might be a browser glitch and refreshed the page, but the errors remained. This experience has left me deeply frustrated, and Im requesting a thorough review of the documents Ive submitted to ensure I never have to deal with this again.
Product: Debt collection

In accordance with the Fair Credit Reporting Act of 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

Im extremely disappointed after finding multiple inquiries from your company on my credit report that I never authorized. Theyre dragging down my credit score and causing serious problems with my financial plans.
Product: Credit reporting

I recently tried to open a new bank account at several banks and they all told me I had a record with ChexSystems and or XXXX and to contact these agencies. I have done that and have filed a dispute with ChexSystems once I received my report and noticed a fraudulently opened account with a credit union with a very large negative balance. I am still waiting for a report from XXXX to see what that has in it.