23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Although it has been addressed w/ the major credit bureaus on numerous occasions, American Express ( Amex ) continues to bias my credit report by refusing to add back the payment history it removed in retaliation for the complaints filed in XXXX and XXXX Quarter XXXX regarding disputed APR and add-on fees. 

These complaints include those filed w/ the Consumer Financial Protection Bureau ( CFPB Case # XXXX ), the New York XXXX XXXX XXXX ( XXXX Complaint ID # XXXX ) and XXXX   XXXX XXXX XXXX XXXX XXXX XXXX ( Complaint File # XXXX ). 

The attached XX/XX/XXXX and XX/XX/XXXX XXXX will clearly illustrate Amex 's retaliatory action.
Product: Credit card or prepaid card

In XX/XX/2022, I was issued a XXXX Rewards VISA credit card by the First National Bank of Omaha ( FNBO ) with a credit limit of {$7500.00}. I received a letter from the FNBO dated XX/XX/2022 ( attached ) informing me that their credit department had suddenly lowered my credit limit to {$2000.00}, a {$5500.00} decrease. My account is current and in good standing, and in the letter there are four criteria listed as the basis of this adverse action, all of which except for one are in error. I called the number listed in the letter supposedly for the credit department ( XXXX ) to discuss their decision, but I was instead routed to the main customer service line. There, I spoke with " XXXX '' and was told that I could not speak to the credit department to present my case. In particular, " XXXX '' was very obstinate, and she also refused to transfer me to another individual at a higher level. Finally, she refused to provide me with the name and address of the FNBO president so I could write a letter to bring this situation to his/her attention. This action by FNBO severely impacted my credit standing, immediately dropping my FICO score from XXXX ( good ) as of last week to XXXX as of today. When I pointed this out to XXXX, she admitted that the bank is aware that a customer 's credit score " may be slightly affected. '' In summary, FNBO 's business practices are unfair to their good faith customers who have no recourse when, through no fault of their own, they are subjected to these arbitrary and punitive credit decisions.
Product: Checking or savings account

My rent check, Check XXXX XXXXXXXX sent through XXXX XXXX, was stolen and cashed. I have not been reimbursed this stolen {$940.00} yet. 

I have my rent check automatically scheduled to be sent through Ally Bank. For my rent due XX/XX/XXXX, I scheduled delivery of this check by XX/XX/XXXX. 

On XX/XX/XXXX, right before going to sleep, I went on my Ally Bank portal to just gloss over my account. I immediately noticed that my check was deposited. This was a red flag to me, as my checks are not usually cashed this quickly by my landlord. I also noticed that the endorsement on this check was different from the usual endorsement my landlord makes. Specifically, this check was endorsed with a signature, and not a XXXX XXXX XXXX stamp. For example, Checks XXXX, XXXX, XXXX, XXXX all have the stamp. Check XXXX ( the stolen check ) does NOT have the stamp, and just has a signature. 

With this information, I checked my landlords portal and saw there was a balance still outstanding. I sent an email to my landlord confirming that they had not received my rent check, then went to bed. 

The next morning, at XX/XX/XXXX, I got an email from my landlord confirming that my check had not been received by them. With that information, I went to the City of XXXX XXXX XXXX Police Department to file a police report about this stolen check. The report number is XXXX. With this police report filed, I called Ally Bank to dispute the stolen check. Ally Bank gave me Dispute # XXXX. This means I reported the stolen check in about 14 hours after the check cleared my account. 

On XX/XX/XXXX, I received notification that my dispute was closed, and that no fraud occurred. 

On XX/XX/XXXX, I called Ally Bank and was told that I could not appeal the decision. 

On XX/XX/XXXX, I called Ally Bank again. I highlighted how I filed a police report, and how the endorsement for this stolen check was different from all the other rent checks that my landlord cashed. Multiple agents on the phone recognized that this check was fraudulent. However, all they did was open a new checking account for me, as my old one was compromised. Beyond that, they refused to help me get the {$940.00} stolen from me back.
Product: Debt collection

I recently discovered accounts being reported through my monitoring services that are fraudulent accounts that DO NOT BELONG TO ME and have been reported as identity theft as I have learned that I am a victim of identity theft as this account reporting a debt from CREDIT MANAGEMENT LP ( XXXX XXXX XXXX ) totaling {$370.00} that does not belong to me and is and has been reported and currently being investigated.
Product: Checking or savings account

I woke up the other day mid deployment, to seeing my bank sent me a notice via electronically stating they were closing my account and exercising their right to do so. So, waking up seeing this I go to change my direct deposit, pay some bills and move money to find out they also locked that. I got no heads up or notice that this would happen just woke up to everything being closed and frozen. But they are still taking my direct deposit from work as well and won't let me move those funds or withdrawal them either. I am expected to be able to survive without my paycheck for 60 days as that's what the letter says how long it will take to close my account and then they will send me a PAPER CHECK so I can't even move the money electronically to make it quicker and easier for me. Closing my account is one thing but then freezing my money especially when I have no credit cards or loans or debt of any matter in the banks name is theft and will ruin my life if I can not access my funds to pay my bills and put food on the table for my family. We should be notified in advance that the account is closing, and you need to take your money by this date and change your direct deposit or all funds will be placed on hold. Instead of just one day waking up to a letter that was just sent out and immediately getting everything frozen. Hopefully this can get resolved in a timely manner or my family and I are in deep trouble.
Product: Debt collection

My complaint is against XXXX XXXX XXXX located in XXXX, Virginia. I am a 100 % fully and permanently XXXX veteran of the armed forces and I am entitled to free emergency room visits, which I utilize often when needed. In XXXX of 2020 I noticed that my medical bill from this facility was on my credit report. It says the original amount is XXXX XXXX But the debt is showing XXXX. And it says the responsibility of payment is the individual but that is not true. What happened was XXXX XXXX XXXX failed to send my emergency room visit bill to the correct va entity for payment. Instead, they sent it to a debt collector. I have even tried to resolve this issue directly many times with the medical center and they refuse to send my bill to the va even though the va says they will pay it for me just as soon as they receive it from the hospital. Please help! I dont know how to force a hospital to bill my insurance.
Product: Debt collection

This company Midland Credit Management who hired XXXX XXXX XXXX contacted my family member who owns a business and I am not employed by my family member. None of the companies have ever contacted me at all by phone, email, or mail ever. They randomly called my cousin 's business on XX/XX/year>. They used a third party to do it called XXXX XXXX XXXX there phone number is XXXX. When I called I was told they were hired by Midland Credit Management and then I called Midland Credit Management and they told my file was with XXXX XXXX XXXX and they told them to have RNN call my cousin 's business. This is a violation of my privacy besides that I do not work for my cousin. Also I don't evne know what bill I owe them. When I called XXXX XXXX XXXX they gave me a completely different bill than Midland. I would like them to stop doing these unethical practices.
Product: Credit reporting or other personal consumer reports

I have been experiencing Identity Theft since XX/XX/XXXX. XXXX has placed a Fraudulent Credit Inquiry on my Transunion Credit File. This was placed on my file on XX/XX/XXXX. XXXX is very well aware of this and has notified me that it will be removed. However it remains on my Credit File. Enough time has passed and it lowers my Credit Score.
Product: Debt collection

XX/XX/XXXX was the last activity with XXXX XXXX. 

There is a debt collector in the name of Waypoint Resource states that the account was closed this year XXXX. Which will be removed from the reporting agencies in XXXX. This information is inaccurate and causes my hard work I am putting forward to be corrupted.A letter was sent out to them and a response has not been received from them regarding this issue. 

They are reporting inaccurate dates that is hindering my progression to better credit. A letter was also sent to XXXX regarding the issue. Although, they have stated the account was verified containing the in correct information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint to you today to request that you remove the fraudulent accounts and information you are reporting on my Credit File. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX and # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. In accordance with the Fair Credit Reporting act section 605b, I am requesting you to please remove the following fraudulent accounts and information off of my Credit File : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX Balance {$7700.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$390.00} XXXX XXXXXXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$0.00} XXXX, XXXX XXXX Opened XXXX XXXX XXXX, XXXX Balance {$2100.00} XXXX XXXX XXXX / XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$1100.00} XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX : XXXX. XXXX, XXXX. Please comply wit hthe Fair Credit reporting Act section 605b and have the disputed accounts and information removed from my Credit report as soon as possible.
Product: Credit reporting

In XXXX, without notice, XXXX XXXX XXXX force closed two of my accounts without any notifications, reason, or consent. When I asked them for a reason, they said I would receive mail detailing the reason ( which I have not received ). They did not tell me I still had a {$25.00} balance on one of them. 

Fast forward today, I noticed a derogatory mark on my XXXX report. I called into XXXX XXXX XXXX today asking why there was a derogatory mark on my credit report. They initially claimed it was because I failed to make payments for 60 days. When I pressed with information that it was closed in XXXX, they claimed it was closed without my consent for some " internal reasons. '' The account was set up to auto-pay {$25.00} each month until the balance reached XXXX. After running my second to last payment in XXXX, they closed the account with {$25.00} remaining and provided no way for me to see what account was closed, what balance remained, and any methods to pay off the remaining balance. 

XXXX XXXX XXXX offered to submit a form to expunge this record from my XXXX report, but stated that because it was in collections, I could not pay off the {$25.00} to XXXX but instead needed to go through XXXX to find the collection agency and pay off the balance there. I called XXXX to file a dispute of the record and find the collection agency responsible for the {$25.00} debt. XXXX claimed that the balance was not in collections. 

Lo and behold, XXXX XXXX XXXX also failed to notify me that they reported the " delinquency '' to XXXX as well. Now I am not sure if they reported it to Equifax or any other agencies. After spending an hour with XXXX to dispute the mark, I found it ridiculous that I had to clean up XXXX XXXX XXXX 's mess. This should be XXXX XXXX XXXX 's responsibility to clean up the mess they caused. They intentionally harmed my credit report and provided no means to settle the remaining balance, which I could happily do right now. 

I am in the process of purchasing a house and XXXX XXXX XXXX is costing me both opportunity costs and higher interest rates as a result of their mistake. Please CFPB, set XXXX XXXX XXXX straight.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX ***Violation under XXXX XXXX Code XXXX XXXX - False or misleading representations and should be removed. 
XXXX XXXX XXXX ***Violation under XXXX XXXX Code XXXX XXXX - False or misleading representations and should be removed. 
XXXX XXXX XXXX XXXX XXXX under XXXX XXXX Code XXXX XXXX - False or misleading representations and should be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX under XXXX XXXX Code XXXX XXXX - False or misleading representations and should be removed. 
XXXX XXXX XXXX XXXX ***Violation under XXXX XXXX Code XXXX XXXX - False or misleading representations and should be removed. 
XXXX XXXX XXXX XXXX ***Violation under XXXX XXXX Code XXXX XXXX - False or misleading representations and should be removed. 
XXXX XXXX XXXX XXXX XXXX under XXXX XXXX Code XXXX XXXX - False or misleading representations and should be removed. 
XXXX XXXX XXXX XXXX XXXX under XXXX XXXX Code XXXX XXXX - False or misleading representations and should be removed. 
XXXX XXXX XXXX XXXX XXXXViolation under XXXX XXXX Code XXXX XXXX - False or misleading representations and should be removed.
Product: Credit reporting or other personal consumer reports

HireRight was unable to verify my employment history while other companies could, and i lost employment due to their failure.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Trans-Union Credit score was at XXXX onXX/XX/XXXX Five days later it was lowered 79 points to a Score of XXXX on XX/XX/XXXX. I call Trans-Union and told them that absolutely no changes, collections, or outstanding debts had been added to my credit history at all.

The Trans-Union Rep simply stated that it was most probably affected by several hard Credit inquires. I explained the last hard credit inquiry occurred inXX/XX/XXXX, and had no others. The Rep continuously tried to sell me my Credit Score, I told them over and over again that I already had it. They told me unless I purchased my Credit score from them they could not proceed further to help me. They lowered my score also before in XX/XX/XXXX as well. This time I have attached proof of their fraudulent reporting, and a comparison with XXXX during the same time period. I want my Credit score put back to XXXX I have no credit factors that Trans-Union can produce that justifies lowering my Credit score by 79 points in 5 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to XXXX, Transunion & XXXX XX/XX/2023 and I still haven't received anything back. I am in the process of purchasing a house and this damaging information is interrupting the process. 

According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, Transunion, and XXXX They have 30 days to respond to my disputes. This is a violation of my rights. I contacted all accounts listed below and requested for the original contract from creditors. 

I received no proof I even owe the proclaimed balance from them and they didn't remove debt I don't owe off reports. Also accounts are incorrect and are displaying balances when they should be XXXX If accounts are supposed to be closed. 
Of which is a violation.Please reinvestigate accounts below and delete this incorrect information or accounts from my corresponding reports. 

Since no response was received all accounts should be deleted Immediately. 

Accounts that need to be investigated and deleted promptly : 1. XXXX XXXXXXXX. # XXXX 2. XXXX. # XXXX 3. XXXXL XXXX. # XXXX 4. XXXX XXXX. # XXXX 5. XXXX XXXX XXXX. # XXXX 6. XXXX XXXX XXXX. # XXXX 7. XXXXXXXX XXXX  XXXX Acct # XXXX 8. XXXX- Inquiry I didn't authorize 9XXXX XXXX XXXX XXXX XXXX- Inquiry I didn't authorize 10. XXXX XXXX XXXX Inquiry I didn't authorize.

Also ONLY thing that should be present on my credit report when it comes to my personal information is the following correct information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX GA XXXX Employment : None Violations are below : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681 ( b ) Permissible purposes of consumer reports. 
Any of thepurposeslistedinSection 604of theFCRA, 15 U.S.C. 1681b.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


If any of the purposes are not present please investigate and delete from my credit report.
Product: Student loan

XXXX 2016 I went online to schedule 2 payments for my student loans. Each payment was set for a reasonable amount under XXXX to ensure my family could budget the payments. XXXX XXXX, 2016 I went online to check my bank account balance and Navient had deducted over XXXX from my bank account which I did not authorize! My family would not be able to live with that amount taken from my account. I was told I would need to issue a stop payment with my bank which I did. Thank goodness my bank is a local community bank and they took care of everything. Navient did not apologize for their error and could not explain to me how the error occurred. They tried to say it was my fault. I would have noticed if I chose the option to pay off my loan when I was setting up the online payments. How can I can make such a large mistake? The system has issues when setting up payments. They took my bank account information and applied the entire loan and deducted the balance from my checking account. I no longer trust the online option and will have to mail a paper check for my loan. I am discouraged in the system especially since my niece has a private loan and I am scared she will have the same issues as I did. I am making every effort to avoid my children having to take out private loans when they go to college.
Product: Credit card

I had opened a JCPenny credit account with the intent to rarely use it and help build my credit. My understanding was that one part of building good credit was by having available ( unused ) credit. After a period of time ( 1 or 2 years ), I received a notice that Synchrony Bank ( the JCPenny card backer ) was closing my account due to inactivity. My loss of available credit caused by credit score to go down. In addition to that I received notice from Synchrony bank that my Amazon Card limit was being reduced. I found out that Synchrony Bank actively pulls credit scores of it 's current clients, without making it clear that they will be doing this ( I 'm guessing it is buried deep in Synchrony 's legal gibberish ). If they feel a clients score no longer meets their criteria, they automatically reduce or close the clients account, regardless of the status of the account.
Product: Credit card or prepaid card

This is the 3rd time that XXXX XXXX has reduced my credit limit which has affected my credit score. Each time they reduce my credit limit it is around {$10.00} more than what the balance is that I have on the card at the time. Now before I did n't fuss too much because my balances were high on my other credit cards. But this time I have fixed that problem. Each time XXXX XXXX does this my credit score drops 13-20 points because they make it look like I have maxed my card out. Before this recent drop. My credit limit was {$350.00} and my balance is {$170.00}. Now my credit limit is {$180.00} and my balance is {$170.00} which makes it look like I have maxed my card out. I feel this is unfair and a company whom discriminates against its customers. I have worked hard to repair my credit and decrease my credit balances and XXXX XXXX  creates a bigger mess every time. I am trying to purchase a house and with my credit score being decreased for no apparent reason, I am back at a stand still. I have only  been late on this account once due to the payment date being overlooked by accident. Other than that my account has been paid on time.
Product: Credit card or prepaid card

Before the Pandemic, making my monthly credit payment to care Credit was not an issue. 
During this Pandemic where I notified the credit card company numerous of times in regards to making payments were to no avail. 

My issue with care Credit is how can this enormous credit business offer no COVID Relief plan to extend payment payments or offer payment options. 

The only option they had was pay your regular monthly payment with interest and fees, or close the card with no interest and late fees. 

May sound good to close the account, however they are not looking into an individuals credit impact on closing a card. 

I am extremely displeased that every other card company had flexible, understandable payment plans due to an era we ( Americans ) had no control over. 

I believe this company has no good options on trying to help their consumers during this pandemic, but just shutting the doors behind us, and seemingly giving us a bad score. 

The option they had was reapply after the card is pad. re-applying for a card will cause another impact on our credit score that already seems to dwindle at this time. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several incorrect accounts. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here are the items I am asking you to verify as accurate : XXXX OF XXXX XXXX Amount : XXXX XXXX OF XXXX XXXX XXXX : {$5600.00} XXXX OF XXXX XXXX Amount : {$1600.00} XXXX OF XXXX XXXX Amount : {$2300.00} The above accounts reporting on Transition is reflecting a completely different account number on XXXX and XXXX : XXXX PER the FCRA XXXX this is inaccurate reporting and needs to be removed. Why is Transunion stating a different account number? 

After your investigation is complete, please send me the results via mail. 

Thank you in advance, Best Regards,