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

On XX/XX/XXXX, American Express sent me an email informing me that my credit limit had been lowered from {$35000.00} to {$2500.00}. I called American Express recently on Sunday, XX/XX/XXXX, at XXXX PM EST in an attempt to acquire the original document they sent that detailed the reasons for the credit line reduction. I could not recall the exact reason so I asked for the document. When they were unable to produce the document, the representative encouraged me to " check with the bureaus around that timeframe. '' The American Express representative advised me to contact a third party consumer reporting agency to find out why American Express lowered my credit limit. I took this to be a veiled hint that it was because of my credit score, but they would not confirm this. I asked for a call back from a supervisor and was assured I would received one within 24-48 hours. I did not. 

I contacted American Express again at XXXX on Wednesday, XX/XX/XXXX, and spoke with " XXXX ''. I informed him that despite the promise of a supervisor 's callback, I had not gotten one. Even though he was not a supervisor, he promised to assist me. I stated that American Express had been unable to explain why my limit had been reduced and my federally protected consumer rights have been violated. 

American Express ' actions in reducing my credit card limit from {$35000.00} to {$2500.00} is discriminatory and in violation of federal law. I have suffered harm, injury, and emotional distress from this situation. Specifically : 15 USC 1602 ( f ) 15 USC 1602 ( p ) 15 USC 1691 ( a ) ( 3 ) XXXX said he was trying to obtain help and that the situation had been escalated. I enquired as to when I may hear from American Express regarding the problem. He only said that it " was escalated '' and was unable to provide me an estimate or guarantee that I would even get a call back. The only resolution that would satisfy me ( lawfully ) and offer remedy is the complete restoration of the {$35000.00} credit limit I had prior to XX/XX/XXXX. 

Thank you.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I made a purchase on XXXX / XX/XX/XXXX for {$1500.00} in promotional ( 12 months on interest ) at AMAZON XXXX XXXX CARD ( Synchrony Bank ) On XXXX / XX/XX/XXXX I returned the purchase and was refunded the same amount I paid. At the next bill the value continued. I called the customer service ( XXXX ) and explained the situation, they told me that in the next two bills would not appear anymore. 
I didn't pay attention until this month ( XXXX / XXXX XXXX when I was charged interest ( {$360.00} ) on that purchase. 
I checked the previous bills, and I found the amount ( {$1500.00} ) in all of them, and charged payments. 
In my calculations I paid {$1100.00} including {$360.00} of interest. 
I called again and they said was nothing wrong.
Product: Credit card

I have a Macy 's card. The back of the card states Department Stores National Bank issues the card. My problem started with a collections call in XX/XX/XXXX from Macy 's. They said I owed {$1900.00}. I was shocked because I have n't used my Macy 's card for a few months. I always pay it off and I definitely do n't spend that much with it. I found out in XX/XX/XXXX someone had my address changed on the card and then made charges so I never got a statement or knew those charges were there. After many transferred calls and being put on hold, I finally reached someone who said it would be taken care of and I would n't be getting collections calls nor would it be on my credit report. I pulled my report and there it was. I thought that would be fixed but it was n't. I receive another letter saying I owe {$100.00} instead of the {$1900.00} I do n't recall spending that in that time frame so I call to find out why I still owe {$100.00}. I ca n't get one person to explain this amount. They just say it will be taken care of. Now in XX/XX/XXXX I 'm still getting statements saying I owe {$180.00} because they added late fees. I ca n't get a straight answer from this company and I ca n't see any statements from that time frame to know where they got this {$100.00}. If you look at Macy 's XXXX page you will notice how many people have problems with this company.
Product: Credit reporting or other personal consumer reports

TRANSUION did not complete or a remove collection ( XXXX XXXX XXXX XXXX inquiries from my report letter of intent to sue shall serve as a formal notice that XXXX XXXX XXXX intends to commence a lawsuit against you due to the following : Failing to protect my consumer rights as a victim of identity theft XXXX did not Remove the inquiries or fraudulent accounts within 4 business days according to section 605 of the fair credit report act if these accounts are not removed asap I will have no choice but to file in Federal court Also caused Emotional Distress Im also attaching documentatio
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on some accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts : XXXX XXXX XXXX : {$1900.00} XXXX XXXX XXXX XXXX Balance XXXX {$1500.00}
Product: Credit card or prepaid card

A XXXX XXXX XXXX XXXX notice was sent to me late last year ( the notice was undated ) declaring that my 8.49 % Chase freedom card interest rate would be raised to 13.49 % as of XX/XX/18. The notice gave the reason for this sudden increase, which I view as an illegal penalty increase that disregards my FICO score of XXXX and excellent payment history, as solely due to " my APRs are below the lowest APRs we currently offer on similar accounts. We also took into account your other Chase relationships when making this change. '' What does consistency with other products mean? The last vague and opportuniistic reference is particularly disconcerting as I have a long standing relationship with Chase, including my home mortgage and have refinanced my mortgage with them several times over the years. My unfavorable rate increase is based on vague, arbitrary standards and corporate favoritism, and amounts to price gouging! It is not based on my timely payment history, excellent FICO score or my risk to the lender - Chase Bank. The notice also declared that if I do not accept the new and much higher interst rate, my rejection will result in the closing of my account!
Product: Checking or savings account

I have had overdraft fees and also my checking account balance is never correct. Pending amounts that take up to a week to clear not allowing me to know how much money is actually there, which causes me to sometimes overdraft
Product: Debt collection

I XXXX XXXX was a victim of identity thief and therefore these collections were placed on my credit file fraudulently. 

Be advised this is not a refusal to pay, but a notice that your claim is disputed, and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Product: Credit card or prepaid card

We opened an account with XXXX ( XXXX XXXX XXXX Visa card ), and asked for there not to be 'Account Assure ' service on the account. They added it anyway. Also, when we closed the account they posted our payment as late and charged us a late fee & interest before closing the account, even though the final balance check was cashed within about a week of asking for the account to be closed ( they claimed they received the check 2 days late and charged {$27.00} late fee, then interest and the unwanted service fee of ~ {$0.00} a month on top of it. The balance being paid off was about {$27.00} ...
Product: Debt collection

Portfolio Recovery Associates debt collection efforts have submitted false or deceptive affidavits to state and local courts, in order to fraudulently obtain default judgments against consumer for phantom debts, or debts for which PRA lack sufficient evidence to properly obtain default judgments. 

In so doing, PRA violated the FDCPA, the Racketeer Influenced and Corrupt Organizations Act ( RICO ), New York General Business Law 349 ( GBL 349 ), and were unjustly enriched. 

In further, my accounts are business credit card accounts.. Not personal debt. Where does it end. In attempting to file several disputes with the NCRAs, with no clear response or closure, they have resorted to " temporarily suspend '' my online accounts. Smells like retaliation to me.. 

I am now demanding that the NCRAs reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. They have no way to ascertain the legitimacy of my action without investigating the items in question. Not thru an automated response unit with coding & algorithms. 

How low can you go. Obviously I am onto something they don't like. 

Thankfully the CFPB was created in 2008. 

Thank you for your time and consideration to this on going XXXX Consumer problem.
Product: Checking or savings account

I previously owed money to two banks in 2016 ..I previously paid both accounts in FULL ..I have tried to previously open a new bank account in which I have been denied numerous times ..why would anyone try and do the right thing 4 years later and try and clear up the debt if your still not going to be able to open an account once the debt has been paid? One account actually claims there was suspected Fraud which in inaccurate to say the least! Why arent these two banks removed from the XXXX if they have been paid in full?
Product: Credit card

On XX/XX/2023 I submitted a balance transfer through US bank ( card # ending XXXX ) to pay off a portion of my balance with XXXX XXXX XXXX ( XXXX card ). The balance transfer was instead sent to XXXX card services with my XXXX XXXX account number - XXXX for {$2200.00}. It's unclear if I entered the wrong info or what happened, but that acct does not exist with XXXX. I contacted US bank who submitted the balance transfer, and they said XXXX needs to do a payment inquiry and return the money. XXXX said they have no way to locate the payment and US bank should be assisting with this. US bank said they do not have the option to stop payment for balance transfers and my request to have it returned has been declined because there was no bank error in processing. My US bank case number is XXXX submitted. The manager I spoke with at XXXX card services was XXXX in resolutions- XXXX.
Product: Credit card or prepaid card

In XX/XX/XXXX, I requested services from an independent vendor on the XXXX platform for an original policy and procedure for the State of Maryland Developmental Disabilities Administration Comar Regulation - application requirements. Upon receipt/delivery of the finished work, I read through the document and immediately recognized that the documentation wasn't at all what I made my request for. It was a generic policy and procedure for a home care agency, which isn't what I requested. I provided the vendor with the exact list of what was to be included within the policy and procedure to be in compliance with the state of Maryland Comar regulations and receive a license to become a provider. I immediately contacted the vendor via the XXXX platform to request a FULL REFUND because I was not at all satisfied with the work and it didn't even meet the State of Maryland 's requirement. On XX/XX/XXXX the vendor, XXXX agreed to cancel the order and give me a refund. On the same day, I filed a dispute with Discover to ensure the this complaint was on record with them and that I wanted to get a FULL REFUND from the vendor and FIVERR. In to the complaint with Discover, I provided them with proof of the via XXXX communication with the vendor that he would give me a refund. On XX/XX/XXXX this message was posted to my Discover account " Dispute Resolved, Credit has been reversed. We have reversed a credit transaction which was previously applied to your account. This was done either because the merchant also issued a credit to your account, or because you recently requested us to close the investigation. Accordingly, we have placed the charge back on your account. '' Unfortunately, I didn't receive the credit from the merchant/XXXX and Discover didn't ultimately didn't reverse the charge of {$670.00} back to my credit card account. I have contacted Discover about the charge and my dispute, but they are refusing the do anything not even call back.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My properties were changed on XXXX  XXXX.. I paid XXXX XXXX extra for all of my houses plus the property tax. 
I was wondering if I could get my money back since they were now on the market and Im not sure how they were. I have more properties but wanted to start with these. If you can come up with a reasonable price we can come up with a proposed property decision. 

XXXX / XXXX / XXXX Account # XXXX Routing # XXXX XXXX contact for info or XXXX information!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I am filing this complaint because my requests have been ignored by Experian. As my requests to be provided with documents that their company has on file that was used to authenticate and verify these accounts has been ignored, these accounts should be deleted immediately, under Section 611 ( 5 ) ( A ) ( i ) of the FCRA - " they are required to promptly delete all information which can not be verified with accuracy ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  XXXX Account # XXXX, XXXX Card Account # XXXX, XXXX XXXX XXXX Account # XXXX, and XXXX XXXX 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: Money transfer, virtual currency, or money service

Round 1*** My 1st case was decided in my favor after reporting 2 unauthorized transactions, but I was never reimbursed for the fraudulent funds transfer. 
( ( Case : XXXX ) ) Transaction ID : XXXX Amount : {$100.00} Transaction Date : XX/XX/2023 Transaction ID : XXXX Amount : {$1200.00} Transaction Date : XX/XX/2023 I then contacted PayPal 's support team via Phone and was told they were having " technical issues '' and apologized about me not being refunded. An agent explained the reason I might of not been reimbursed yet is because the system may have not added the transactions to the unauthorized transaction claim. ( How is that even possible? ) The agent then asked me for permission to and I quote " ..initiate a new claim to get your funds back to you. '' I said absolutely, I will put it in writing and I sent it via email with the agents initials attached. 

Round 2*** A new unauthorized transaction claim was filed on my behalf. ( ( Case : XXXX ) ) This case was later closed NOT in my favor. Here 's the case response : " Case status : Closed Thank you for reporting this case. After our review, we found that certain transactions weren't unauthorized and hence couldn't be covered by PayPal Purchase Protection. '' I would like to appeal this decision. I would also like to add that I am looking into contacting the CFPB, XXXX, Attorney Advice, as well XXXX. 

I ask that you remedy this situation as soon as you can. 

Thank you, XXXX
Product: Money transfer, virtual currency, or money service

PNC continually has accessibility issues with their online banking. In attempting to link my PNC checking account with my XXXX  daughter 's new daycare I am receiving yet another error message that I am unable to link my checking account with our new daycare.
Product: Student loan

I received form 1099C from Nelnet for the amount of {$70000.00}, however my account is still showing an outstanding balance. This document was received around XX/XX/2023. I've tried reaching out to customer service and I've submitted an email with no updates and no change to the account nor my consumer report. 
A copy of the 1099C is also attached.
Product: Debt collection

I applied and was accepted to the XXXX XXXX through XXXX XXXX. The letter explicitly states that " We have reduced your XXXX XXXX XXXX account and XXXX XXXX account by 100 %. '' Yet I received a letter from a collections agency in the mail this morning for an outstanding balance from them. It is completely unlawful to send an official letter stating that no further billing will occur and then send it to a collections agency.
Product: Credit reporting or other personal consumer reports

XXXX Following up. Company responded and marked case as closed. HOWEVER The documentation provided by regulatory compliance officer assigned to this case only serves to strengthen ( confirm? ) my suspicion that there exists duplicate accounts. There is an inflection in interest charge calculations.
Product: Mortgage

Applied for refinance with Quicken loans. Excellent credit score in 800s, over 20 % equity in home. Had foreclosure in XXXX which did not stop the purchase of my home in XXXX, but Quicken Loans said they can not do the refinance even though its been 5 years. XXXX XXXX was aware XXXX and I paid for an appraisal for {$400.00}. He said if it didnt go through I could talk with the client relations team so my {$400.00} would be refunded. Now Im told that my {$400.00} will not be refunded. Very deceptive
Product: Mortgage

In 2006, I owned an acre of land with the legal description ( XXXX   XXXX XXXX XXXX ) and on this acre of land, there were 3 mobile homes, 1 belonged to me and it was financed through, XXXX XXXX, the other 2 mobiles belonged to other individuals. I approached Wells Fargo to refinance my mobile with the mailing address of XXXX XXXX XXXX. Wells Fargo sent an appraiser out to appraise my home and he took pictures that clearly show other mobiles on my land, and when Wells Fargo made me the loan, they insisted that my mobile be changed from personal property to real property and that the acre of land be financed into my loan and they had knowledge of these other mobiles on my acre of land, but they never questioned me about those mobiles or questioned the ownership of those mobiles in their loan process. Wells Fargo made me the loan and they processed all the documents with XXXX County Courts, and they placed a lien against my land and mobile, with the legal description as, XXXX XXXX XXXX XXXX. Now Wells Fargo has responded to my previous complaint, says that their appraisal was done on XXXX XXXX XXXX, XXXX XXXX, Texas and no consideration was placed on my acre of land to process this loan, even though their on documents shown the legal description as XXXX XXXX. If I default on this loan what happens to the people who own the other 2 mobiles on my property? I feel that this was an improper or predatory loan and now I have tried to refinance my loan with other mortgage lenders they refuse to consider making a loan to me, because there are multiple mobiles on my land, therefore I am locked into this loan with an extremely high interest rate for ever and I feel that Wells Fargo made this loan knowing that I would be locked into it and no no other options to refinance in the future.The high interest rate on this loan has caused me serious financial stress and emotional stress over the last 13 years and Wells Fargo refuses to do anything to help me in these matters, they are allowed to do a self investigation of all my complaints and as you would expect from any large corporation, their responses are always, that they did nothing wrong and that I signed the loan documents, so therefor it was my fault and not theirs, even though I am a high school drop out with no legal knowledge and their are the ones who had all the knowledge of the lending laws and they had ever opportunity to survey my property and they could have denied my request for this loan and I would not be in this mess today.
Product: Debt collection

I am a victim of Fraud. My I.D . information was stolen when I had a break In and after XXXX had several Data Breaches along with XXXX.