23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have been a AMEX customer since 2013, and they provide cards for myself and both of my businesses and a line for credit for one of them. In all of this time I have never missed a single payment, paying off the full balance due each month. 

Out of the blue on XX/XX/XXXX AMEX sent me demanding I pay {$3600.00} that was not due to them for another month or else they would further reduce my credit limit. My account is on autopay and it draws on XX/XX/XXXX, wherein I paid the {$15000.00} full balance that was due, and assumed that the {$3600.00} was satisfied by this payment. 

Turns out I was wrong, and it was an attempt to extort money out of me before it came due. I guess AMEX found a way to get around the 25 day grace period and has been extorting customers like this for a while. 

As a result of not paying an extra {$3600.00} that would not be due until XX/XX/XXXX, AMEX lowered my credit limit to within a {$100.00} of my exact balance for this month, ensuring that my utilities, internet, etc accounts that are on auto-pay would be in excess of this and be declined, in hopes of forcing me to pay early. 

All this did is drive me into the hands of their competitor, XXXX XXXX, and I opened an account and began moving autopay accounts there. 

Because AMEX could see I was not going to comply with their demand for early payment, today on XX/XX/XXXX AMEX notified me that they were using the lowering of my personal credit card limit as justification to lower my business line of credit to further twist my arm. 

I calleXXXX AME to question this, and the person on the phone said it was due to my payment history ( keep in mind I have never carried a balance on any credit card, let alone an AMEX card, and have a perfect payment history for my mortgage etc. and have a XXXX credit score on XXXX as of XX/XX/XXXX. In fact, my score was higher but AMEX lowering my credit limit affected the score. ). I do not believe the person on the phone is lying, she was just reading what someone else wrote in their computer system, but someone in the chain was not telling the truth. 

In short, AMEX will attempt to extort early payment from customers, and when you do not comply, they will try to make your life difficult.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to file dispute with Experian, XXXX and XXXX for incorrect payment history on XXXX account XXXX XXXX, their online system did not allow me to file dispute. I am within my rights pursuant to FCA to file dispute.
Product: Debt collection

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.

At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. 

During this validation period, the accounts on my credit report is considered detrimental to any of my credit reports and it affects it affects my credit report negativity. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Product: Credit reporting or other personal consumer reports

I have unauthorized inquires on my account and I believe I am a victim of identity theft. 

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 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 or other personal consumer reports

For some time now I have been contacting Transunion in regards that my credit score that I monitor through FICO for their bureau has nothing to do with the credit score that they are providing the creditors when I apply for credit. I been turned down by the XXXX XXXX that is offered by XXXX XXXX many times because of this. Not only they do not send an updated scoring to the creditor but they also use the same model Fico score 8 model and the scores are completely different. I have called the creditors and they advise me to call the bureau and they have me in a back and forth all the time. XXXX  XXXX is another bank which has never given me a decent credit over XXXX dollars and I have XXXX credit cards with them and this is the reason why because my credit score and my report are not accurate. A discrepancy of over XXXX points. 

I will attach proof of this findings
Product: Credit card or prepaid card

I was solicited by a credit card company called " Prosper '' with a pre-approval for credit - I accepted the approval after calling to discuss the details in which I was advised that the company would waive their one-time annual fee of {$39.00}, which was fairly low to begin with but not justified as I have much higher credit limits with no fee and advised " Prosper '' at the time I would not be interested otherwise. I received the card and called in as a fee was noted, I did not activate the card at that time as the company said they were wrong and could not or would not waive this fee- I therefore advised I would not be activating and to close the account. The company 's customer service after several calls agreed to cancel and refund the fee - however I received a bill in XX/XX/XXXX with the fee. I called back and spoke to their customer service again and was advised it was likely send in error as they were addressing it. Today : XX/XX/XXXX at around noon EST I received an agressive collection call toward this {$500.00} ( and I point that out as it's a bit pathetic they were agressive when the initial limit was only {$500.00} ) credit limit stating I owed approximately {$60.00} to include the annual fee and now a late fee and they demanded to know why I was late - to which I went into the above statement. This nearly cost me my job because they would not work with me nor would the company allow me to escalate, nor would they cancel the account and bill me where I could dispute it, nor would they even provide help with the account details so I could call back to dispute nor would they even provide me an address to have an attorney send them formal communication. This has been a very surreptious and scandelous company and all I have been seeking to do is close down this account as I did not activate the credit card, did not use it as I mentioned it was never activated, and as I destroyed the credit card the moment I cancelled back in XXXX, I did not have the credit card information to work with and the company made it very difficult for me as they claimed my SSN/DOB etc. was not sufficient. I did eventually get the credit card number and was able to provide that but the company after aggressively demanding I pay the full total before they would so much as cancel the card or account, I am now filing this complaint as I will likely be at risk of fraud with an account open that I have been denied access to and access to cancel.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX  XXXX  XXXX SEQUIUM ( Original Creditor : 11 XXXX  XXXX  ) XXXX XXXX.. XXXX  ( Original Creditor : 09 XXXX  XXXX  XXXX  XXXX  ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Checking or savings account

Name : XXXX XXXX XXXX ID : from XXXX XXXX Date of Birth : XX/XX/year> XXXX ID Type : Drivers License ID XXXX XXXX XXXX XXXX ChexSystems XXXX XXXX XXXX, XXXX, MN XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my chex systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX XXXX XXXX - XXXX ( Open XXXX ) Account # XXXX Routing # XXXX I dont recognize the following accounts in question. XXXXm a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Chex systems Consumer report immediately! Ive attached a copy of the report to this request. Thank you for your assistance. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

DEPARTMENT OF EDUCATION IS REPORTING INACCURATE INFORMATION TOE XXXX, XXXX, ANE EQUIFAX THAT IM PAYING ON STUDENT LOANS IN WHICH IM NOT AND IS NOT IN SCHOOL.
Product: Checking or savings account

XX/XX/XXXX XXXX first regular letter sent to Capital One headquarters, no response. XX/XX/XXXX XXXX certified letter ( XXXX ) sent to Capital One headquarters, no response. XX/XX/2021 second certified letter ( XXXX ) no response. Both addressed to the CEO XXXX. Refusing to resolve issues at hand. Capital One requested information proving I ( His son ) was eligible to make account adjustment in my fathers behalf who is a XXXX veteran. Information was sent via email and later was told this wasnt the correct way to submit the Information. Capital One refuses to respond to my fathers request in regards to getting this issue resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance {$7300.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX Balance {$2500.00} ; XXXX XXXX XXXX  XXXX Date opened : XX/XX/XXXX Balance {$25000.00} ; XXXX XXXX  XXXX Date opened : XX/XX/XXXX Balance {$9400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo is infringing on my right to privacy of my personal information. They are illegally reporting my private information.
Product: Checking or savings account

I live overseas and have recently moved from XXXX XXXX to XXXX. 

I tried to access my account on XX/XX/XXXX in order to change my address and phone number. I was not able to access the account but I was asked to answer a security question : " What is your brother or sister 's middle name? ". I got the question wrong because it is ambiguous ( I have a brother and sister and they both have two middle names ). 

I have tried contacting the bank many times via phone, online chat, and direct messaging, but they will not let me access the account without visiting a branch. The nearest branch is a five-hour train ride from where I live and I do not have time to go there. 

I need to know my balance so that I can complete my tax forms by XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within XXXX  days of receipt of this complaint. 

Items that need to be disputed : 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 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft.There are inquiries on my Experian and XXXX credit report that are fraudulent and do not belong to me. Ive already filed and FTC report. 
These are the inquiries on Experian : XXXX. XXXX XXXX Bank XX/XX/XXXX XXXX. XXXX XXXX Mortgage XXXX XX/XX/XXXX XXXX. XXXX Bank Credit Cards XX/XX/XXXX XXXX. XXXX Bank Credit Cards XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX This is the inquiry on XXXX : XXXX. XXXX XXXX Miscellaneous Reptg. XX/XX/XXXX
Product: Mortgage

I filed a complaint against JP Morgan Chase. My home was illegally foreclosed when JP Morgan Chase sued my XXXX deceased veteran husband. I never received a XXXX from the sale of my home. I paid more than 80 percent of the loan, and my home was sold many times over never receiving any money from the illegal sale and foreclosure.
Product: Credit reporting or other personal consumer reports

I do not work for XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I left my card at the ATM or someone stole it. They went on a shopping / spending spree without the card company flagging for suspicious activity like they should. I did everything on my end such as freeze card, got replacement. I filed a police report I filled out the declaration of fraud paper and uploaded all to their site. They denied my claim due to ATM pin was used for ATM withdrawals. I don't agree however I never gave my pin out and the ATM is. Very open anyone could have been watching. However ; although I don't agree with their decision I guess it was negligence on my part to looses or leave card in the first place. But the on-line purchases which equal {$550.00} I can not understand reasoning behind the card company not crediting my account for. This was theft or fraud whichever it was not authorized by me. The card is the American express serve card which I had my federal income tax refund deposited on. I can not believe American express backs this unprofessional company. After not getting through to customer service for hours the getting hung up on or transferred to a representative that tells me she doesn't know and I'm unable to speak with someone in charge. I have requested all documentation from their investigation and they refuse to give that info to me. All I know is I got my refund of {$5000.00} and some odd dollars deposited to this card and I withdrew XXXX and never seen this card again and have no funds available to me. I am sickened by they way I have been treated and am desperately seeking help in this matter. I have filed a police report for theft but that is all I can do. Please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my 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 creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened XX/XX/2016 Balance {$5700.00} and XXXX XXXX XXXX Date Opened XX/XX/2016 Balance {$270000.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX Date : XX/XX/2025 To : FactorTrust , Inc. XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Update Public Records with Phone Number Dear FactorTrust Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Thank you for your attention to this matter. Please feel free to contact me at XXXX or via email at XXXX if you have any questions or need further information. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX
Product: Consumer Loan

I originally took out a loan with XXXX XXXX XXXX on XXXX XXXX, XXXX. Due to paycuts at work and the birth of my child I found myself regrettably unable to repay the loan in question. On XXXX XXXX, XXXX XXXX XXXX XXXX closed my account and charged off the balance due, which at that point was {$2900.00}. 

However, a debt collection agency by the name ofLVNV FUNDINGXXXX XXXX, XXXX ( XXXX ) XXXXAcquired the old debt and began harassing me with numerous phone calls and letters about this old debt in which I informed them i was unable to pay. 

I noticed on my credit report that they show this account as having gone delinquent on XXXX XXXX, XXXX which is entirely false. It original went delinquent on XXXX XXXX, XXXX and in informed them that this was improper " re-aging '' of an old debt to which they never responded. 

They 're also adding late fees to this account which I did n't think was allowed by law when a 3rd party such as LVNV buys an old debt. They 're saying I now owe {$4300.00}!!! 

Please help me, I 'm at my wits end with this company. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have noticed inaccuracies on my report. I have made these inaccuracies known to Experian. Nothing has been corrected and Experian has claimed to have investigated and verified the accuracy of the information. These accounts are incorrect and are adversely affecting my livelihood and have caused me severe damages. XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX, # XXXX, # XXXX, # XXXX. Experian has been intentionally allowing this harm to come to my name by giving me false statements of verification and reinvestigation when the information was never validated and has been reporting misleading and false information since Experian has allowed such to exist on my report.
Product: Debt collection

XX/XX/2019 amount owed is {$700.00}. I have filed a identity theft report.