23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am submitting this complaint regarding the actions of American Express National Bank concerning my XXXX XXXX XXXX XXXX account ending in XXXX. On XX/XX/year>, I received a letter from American Express informing me that the credit limit on my account had been reduced from {$12000.00} to {$1600.00}, with a cash advance limit of {$200.00}. 

The reasons provided for this decision are vague and arbitrary, citing only that the average of recent payments in relation to the balance was too low. The letter does not adequately explain how this determination was made, and it provides no opportunity for meaningful dispute or consideration of my overall payment history or financial circumstances. This decision appears to violate consumer protection laws, specifically : Equal Credit Opportunity Act ( ECOA ) Regulation B : The ECOA prohibits creditors from making adverse credit decisions without providing clear and specific reasons for the action ( 1002.9 ( a ) ( 2 ) ). The vague explanation provided by American Express fails to comply with the requirement to furnish detailed reasons for the credit limit reduction, thereby denying me the ability to effectively challenge or understand the decision.

Fair Credit Reporting Act ( FCRA ) : If American Express used information from my credit report in making this decision, they are obligated under 1681m of the FCRA to provide a detailed adverse action notice, including the specific information that contributed to the decision. The letter does not indicate whether credit report data was used or explain how the cited reason correlates to the reduction. 

Consumer Credit Protection Act ( CCPA ) : The CCPA broadly protects consumers from unfair credit practices. By failing to transparently communicate the basis for its actions and potentially damaging my credit utilization ratio and score without justification, American Express may have acted in a manner inconsistent with the principles of fair and equitable treatment under the Act.

This action negatively impacts my credit utilization ratio and potentially damages my credit score, despite my consistent use and payment history with American Express. The lack of transparency and failure to provide specific evidence supporting their decision undermines my confidence in their decision-making process. 

On XX/XX/year>, at around XXXX XXXX I called American Express to request further information about why my credit limit had been decreased. The same vague answer as in the letter was provided : the average of recent payments in relation to the balance was too low. When I asked the agent to clarify what this meant, they were unable to provide a substantive explanation. Instead, they demanded that I submit substantial additional information, such as details about my assets and employment history, which they had not previously requested or indicated as necessary. This lack of transparency and shifting requirements only deepens my concern about violations of consumer protection laws. 

Supporting Documents : Attached is a copy of the letter I received from American Express on XX/XX/year>.
Product: Debt collection

MOHELA/DOFED Is alleging I owe a debt I do not. The promissory note that they have possession of is the security being used to fund this credit transaction and under the XXXX that govern commercial transactions the securities should be registered with the SEC and display the owner of it. Furthermore each creditor that has an interest should file a XXXX XXXX with a financing statement outlining the debtor and creditor relationship alongside the collateral being used. I have researched the lien system and have found no evidence of a XXXX being placed. I havent received any profits from the selling of my security.
Product: Credit card or prepaid card

A few weeks ago I noticed on a credit monitoring service that I had a balance due on my Citi credit card. The reported date was XX/XX/XXXX. I tried to access my account on XX/XX/XXXX and received a notification saying that the account was locked and I needed to contact technical support. I called the technical support line and the person on the other end stated that my account access would be restored in " 5 to 7 business days ''. 

I tried to access my account on XX/XX/XXXX and my account was still disabled. 

This evening, XX/XX/XXXX, I spoke with account manager " XXXX XXXX '' and she confirmed that my account had been closed on XX/XX/XXXX. When asked why I had not received any notification that my account was due to be closed, the account manager stated that sometimes the system closes accounts without any email notifications sent to the consumer. 

" A notification was posted to your account directly. '' The account that I could not access. 

Citi has my email account, I last received emails from them back in XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I am filing a complaint to formally dispute inaccuracies in my credit report and to demand compensation from Experian for repeated violations of the Fair Credit Reporting Act ( FCRA ). My concerns are further validated by the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit alleging Experians failure to properly investigate consumer disputes, as well as improper reinsertion of inaccurate information on consumer reports. 

I have identified the following inaccuracies in my credit report that require immediate correction or deletion : 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 writing to formally dispute and request the removal of negative information reported by the following financial institutions from my ChexSystems consumer file : XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian sent out a letter stating they can do anything when Ive sent my ID SOCIAL SOCIAL CARD AND BILLS OVER XXXX times they keep playing games like its a joke.I want to sue
Product: Checking or savings account

XX/XX/2021, I used my relicard issued by USBank to pay my rent, cell phone and internet. Then tried to purchase something over the phone and the merchant said my card was denied had her run it again, still denied, which is embarrassing to begin with, check my account on app and everything looks fine, nothing wrong nor stating anything out of the ordinary. So went to ATM to get money to put on another card and to call back merchant so I can pay them what I had ordered, ATM denied me from MY funds, call the 24 number wait on hold for 37min. Girl that answered tells me I have to wait 24hrs until I can get money or charge anything, I complain and she says well if you go to a USBank branch and go have a teller get your funds it will work, drove 19 miles and waited in line another 20 min then had to give teller all my information so I could be entered into there computer system for that branch, try to get money and DENIED again, teller says go out and try the USBank ATM, denied ... .I 've been upset about this all night and sick to my stomach about it, wake up this morning and try charging something, denied. Call the customer service number that states they are there fir you 24/7 get to hold for next representative and recording comes on -all customer service representatives are currently busy please call back later-then click, hung up on now! This institution has refused me my money, cost me money and time and took time off my life with all the stress and time spent just trying to get something that is mine. I can not believe that thus is not a crime somehow ... .I have seen people go to jail for doing alot less to another human being. I doubt anything will be done and more then likely I will have regained my account from these criminals by the time you read this but this is the things that these banks should not have the right to be able to do. But they will because nobody ever does anything to them, I will not get any gas money nor reimbursed for my time or stress or humility I went through, nope they got what they wanted to do to the little consumer I am. Maybe one day we will win and this ignorance and power playing will stop but I'm not holing my breath. USBank I believe owes me money and a apology ... .good luck I say to myself, like I said it won't happen. I'm just wasting my time like I did half the day yesterday. Hopefully you have a great day and you don't have to ever experience this. Its just like someone just stole or better yet robbed you and you can't even go to the police about it. Its just so wrong.
Product: Consumer Loan

I have asked the company to send a statement of how much I owe in order for me to make payments on the account. The creditor stated that by law they are not require to send me a statement with the balance on it and that I was aware of how much I owed. I advised the agent that I did not know how much I have remained on the account. The agent was very nasty and advised me that they would come and take the vehicle that they have a second lien on it. I asked the agent to communicate to me in writing and to cease and desist calls. I am victim of hurricane XXXX that occurred in XXXX County North Carolina. My stepdaughters loss their home and everything they have. I was without lights for 6 days and water for 2 weeks. The company called after I spoke with them in XXXX or XXXX and advised to contact me by mail. I advised the agent I know of the debt and will make payment as soon as I could. The agent began stating again that she would come and take the vehicle because they have a lien on it. I advised her I could not pay anything at this moment because I have been out of work for 2 weeks now and did n't know when I could return back to work due to the hurricane. The agent advised me that the hurricane was two weeks ago and I knew I had the debt before the hurricane occurred. I advised the agent once again not call my phone anymore because I had on a previous conversation advised her to cease and desist all calls. I hung up the phone at that time I felt she was trying to intimidate me the agent called right back and stated that the agency would garnish my wages. I asked her again to not call my phone and I hung up again.
Product: Credit card

Capital One Bank placed XXXX inquiries on my credit report however they did not follow the FCRA regarding fraud alerts and did not contact me to verify identity or that I even requested the application.
Product: Money transfer, virtual currency, or money service

I am writing to address my concerns about Zelles dispute resolution practices, especially in light of the recent CFPB lawsuit exposing major flaws in the platform. 

After experiencing discrepancies with my transactions and reporting them, both Zelle and my financial institution failed to properly investigate my claims. I was informed by a coworker that recovering the lost funds or even tracking the transactions was not possible. 

The CFPBs findings further reveal how Zelle has failed to safeguard consumers, allowing repeat offenders to exploit the system and leaving users vulnerable to scams. 

This lack of oversight and commitment to consumer protection is deeply concerning and undermines trust in the platform.
Product: Credit reporting or other personal consumer reports

Ive been in touch with the original creditor many times and we agreed to some terms to remove this account from my report, however what I see that they report to the credit bureaus is that the matter is resolved, but the charge off stays on the report. It worries me that after that fact, Ive had two other collection companies trying to collect on the same debt. Im worried about my personal information being misused. So I sent them a letter to opt out authorization of sharing under 15 USC 6802 and also requested 1099C tax form for the cancellation debt. 

See attachment
Product: Money transfer, virtual currency, or money service

My money has been in paypal for a long time, but I have been unable to withdraw my money. I have been contacting the customer service before, and the customer service asked me to wait for 72 hours to withdraw my money. However, I have been waiting for many 72 hours, but I still can not withdraw my money, Sorry, something's not right. 

Go back My E-mail address is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to resolve these accounts and I asked for them to be removed but they keep raising the price up XXXX XXXX  XXXX XXXX  XXXX i dont know what that is XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I dont even know this company XXXX XXXX  XXXX XXXX In accordance with the fair credit reporting act
Product: Debt collection

I have not received any validation letter or correspondence regarding this debt, which constitutes a violation of the Fair Debt Collection Practices Act ( FDCPA ) and Section 605 ( b ) of the Fair Credit Reporting Act ( FCRA ). Given these circumstances, I request that you remove this debt from my credit report immediately. If this matter is not resolved promptly, I will be forced to take further action, including filing complaints with the XXXX XXXX XXXX ( XXXX  ) and the Consumer Financial Protection Bureau ( CFPB ), as well as considering legal action. Issues Faced 1. Lack of Validation Letter : I have never received a validation letter or any other correspondence from Portfolio Recovery regarding the alleged debt. I requested contact between Portfolio Recovery and myself showing them to collect this alleged debt. Their failure to provide this essential communication constitutes a violation of the Fair Debt Collection Practices Act ( FDCPA ). 2. Credit Reporting : Despite not receiving the required validation letter, Portfolio Recovery has reported this alleged debt on my credit report. This action is not only premature but also a violation of federal regulations. The reporting of this alleged debt has negatively impacted my credit score and creditworthiness. As a result, I have experienced higher interest rates on loans and potential denial of credit opportunities. This situation has caused me significant emotional distress and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple multiple times contacted the listed below companies and filed disputes for this ongoing issue with the fraudulent charges reported to my credit upon which they fail to remove the items or provide any additional proof of anything legally required and validating it to my responsibility. I contacted XXXX, XXXX  and XXXX. Here 's the issues that I have w these companies XXXX XXXX XXXX - XXXX  XXXX XXXX XXXX  {$620.00} XXXX XXXX XXXX XXXX XXXX XXXX BAL {$430.00} XXXX XXXX XXXX BAL {$1400.00} XXXX   XXXX XXXX - XXXX XXXX BAL {$690.00} XXXX XXXX XXXX - CHARGED OFF AND REMOVED FROM CREDIT PER XXXX AND XXXX  {$0.00} BALANCE XXXX IS AGAIN PULLING ON MY CREDIT FROM THE ORIGINAL FRAUD ACCT ABOVE WITH XXXX XXXX XXXX {$690.00} XXXX XXXX IS FRAUDULENT ON MY REPORT AND DISPUTED BUT REFUSED TO DELETE AND UPDATE ALSO W BAL NOT GIVEN XXXX XXXX - XXXX REPORTED IMMEDIATE FRAUD AND WON'T DELETE BALANCE {$200.00} SAME FRAUD ISSUES W XXXX XXXX ( XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX AND BOTH XXXX XXXX ACCTS OPENED ONLINE WITH NO IDENTITY VERIFICATION EITHER ON ANY OF THEIR PARTS OR SIGNATURE, PHYSICAL ID NOT OBTAINED OR ANYTHING. I WANT THIS MATTER ADDRESS ED AND IMMEDIATELY REMOVE THEM FROM ALL. MY CREDIT BEAURUS
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is showing inaccurate information on my report. I filed several disputes and they have not followed in a reasonable amount of time.
Product: Credit reporting or other personal consumer reports

This noticie is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 15USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer. ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title. A consumer agency reporting shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. The following inquiries are a result of Identity Theft and was not initiated by me. I demand they are DELETED IMMEDIATELY. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to transactions that I have made/accounts that I have opened, as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Reviewing my credit report I have found 3 CAPITAL ONE inquiries that I havent authorized or made in any way. Enclosed please find this enquirers which are 3 of them currently on dispute. This enquirers were not made for me and I have noticed them on my credit report which I am constant following i have called XXXX, XXXX and XXXX in order to notify them this issue also I have already called capital one, XXXX credit having not answer in weeks i demand i under the law inmediately that all those enquirers to be removed from XXXX XXXX  on each credit bureau using the right I have to protect my credit.
Product: Debt collection

I looked on my credit report and seen someone took a XXXX bank loan out in my name on XXXX XXXX in the amount of {$2100.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/2021, XXXX XXXX three credit bureaus has been reporting inaccurate information that has been demential to my report. This is violating my rights under the FCRA laws and certain transactions.
Product: Prepaid card

These cards are an absolute joke, I tried to talk my mom out of getting them for XXXX gifts, but she thinks they're just like money. They are NOT. I've literally had to soak the card in soap and water just to get a glimpse of the actual number. I activated the card just as it instructs, online and called the number. I can not believe these instruments are even authorized to be currency. I'd love to see a balance sheet with these companies on how much is received vs spent because they are that hard to use. Especially since the amount has to be equal to or under the value of the card. Which almost always leaves at least money left on the card that will never be used by the recipient.
Product: Mortgage

XXXX years ago Notice of Rescission was submitted to Decision XXXX company within the XXXX day window. 
Decision XXXX sold the note and mortgage to XXXX. XXXX foreclosed on the property and sold the property to a person. Said person had XXXX XXXX the persons living in said home, the home owners of record. An act that disregarded the US Supreme Court in XXXX decission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been monitoring my credit report and their are inaccuaries on accoun not of my doing, and have not been authorized anyone to do so. As an THE ORIGINAL CREDITOR, the law states unverfied accounts and inquieries must be removed immediately. These accounts are not authoried by me and I do not owe these alleged debts. 

XXXX  shows the following misinformation : american Collections Ent. {$940.00} ( XXXX ) american Collections Ent. {$120.00} ( XXXX ) american Collections Ent. {$100.00} ( XXXX ) american Collections Ent. {$100.00} ( XXXX XXXX XXXX XXXX  {$120.00} ( XXXX ) XXXX. XXXX XXXX. {$120.00} ( XXXX ) XXXX the following : american Collections Ent. {$940.00} ( XXXX ) american Collections Ent. {$30.00} ( XXXX ) XXXX XXXX XXXX {$970.00} ( XXXX ) american Collections Ent. {$28.00} ( XXXX ) american Collections Ent. {$100.00} ( XXXX ) american Collections Ent. {$100.00} ( XXXX ) american Collections Ent. {$120.00} ( XXXX )
Product: Debt collection

On XX/XX/XXXX I received an invoice from XXXX XXXX with the invoice amount broken down as following for a services claimed to have provided in XX/XX/XXXX : Account number : XXXX Patient payment : {$0.00} invoice balance : XXXX I called XXXX the next day and inquired why I received this invoice as I had full coverage of NY XXXX through XXXX with {$0.00} co-payment? Hospital rep informed me that this invoice is only for information whilst the payment will be settled with insurance company and I do n't need to worry. I kept the invoice but did n't note down the exact date and time of my phone call with XXXX. 

on XX/XX/XXXX I received a letter dated XX/XX/XXXX from Debt collection company ( XXXX ) ( Account # XXXX ) notifying me of the debt claiming that I owe {$640.00}. I called the debt collector but was not offered any assistance. While I am trying to contact the XXXX, I am afraid that I need assistance of your bureau to make sure both XXXX and XXXX give this matter due consideration to sole the problem with insurance company and necessary information is provided to me for appropriate action. 

For the medical assistance which XXXX has offered, every single step is taken as instructed by my XXXX who is also the focal point to advise regarding my coverage and to seek approval of insurance company for the expenses. All medical assistance which I have ever received from this medical facility, endorsed by my XXXX include urgent care-outpatient assistance, regular medical check and relevant normal process. None of the medical assistance were ever doubted or advised by my XXXX to be outside my insurance coverage. I believe that the XXXX processing associate may have been mistaken to omit my insurance which is after almost two years and last year 's assurance that this invoice will be settled with insurance, is made my problem with XXXX assistance offered from debt collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
2. On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
3. On XX/XX/2020, EXETER FINANCE CORP add a hard inquiry on my credit report per XXXX.