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

I applied for a credit card through AMEX on XX/XX/19. I wanted to transfer the balance on a credit to AMEX to take advantage of a 0 % APR transfer for 15months. 

I got approved a line of credit, it was lower than what I was looking to transfer. Now we all know when you apply for a credit card you do not know what your balance is going to be, and if it would be high enough to transfer my existing balance over. 

So I went online to see if the balance could be increased and submitted the request, I called AMEX and talked to their credit line department. 

I was told I was denied, because I had to be a customer for at least 60 days before I could apply for a credit line increase. I was a little taken back on why this information was not provided in any of the disclosures I had just agreed to. I was told that it was an internal policy. If I am applying for a line of credit I should know everything that will untimely make my decision on whether or not to move forward with the application. This information would have made me decide not to apply for the card as I would not know what my initial line was going to be until I had applied. 

The promotion I was taken advantage of is for only good for 60 days, I have to wait 60 days to request an increase. I find this deceiving. If the information about waiting 60 days before a could submit a request to increase my line was provided to me in the disclosures that I had to agree to, I would not have applied for the credit card, not knowing what my initial credit line offer was going to be if approved. So now I have a credit card that is basically useless to me and an inquiry on my credit report. 

If I am applying for a line of credit, I should have all the information up front so I can make a decision on whether or not I want to move forward with the application or if the card is right for me. Obviously this card was not the right fit for my based off of the information I found out after I applied for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

A bankruptcy is appearing on my credit report that is not mine. I am attaching a letter I have sent to Experian DISPUTING the public record and or bankruptcy.
Product: Credit card or prepaid card

To whom is may concern : I XXXX XXXX have been a credit card holder of capital one for at least 5 years. Starting XX/XX/XXXX someone has been trying to steal my identity. Someone would call into Capital One customer service and change my address request new/replacement credit cards be sent out to them. We are XX/XX/XXXX and this is continuing to happen right now today over a course of 4 months. Capital One has failed to meet the satisfaction of a customer by proctecting a customer from such indents and to keep such indents from occurring. Each call the fraudster has made they have been Successful at getting my address changed and replacement credit cards mailed out to them. Despite all measurements I have taking diespite all measurements Captial One has taking with noting my account and placing restrictions on my account. By the time I have changed everything back to my information and I have received my new cards only to have them canceled and the fraudster having other cards mailed out to them. I have placed fraud alerts in my credit files I have all credit files frozen and locked. But so some reason the fraudster is still able to gain access to capital one and get my information changed and new/replacement cards mailed out to them. Capital One has failed to keep a customer information safe and secure. Capital One does not take this matter seriously. And are continuing to put my information at risk by allowing this to continue. Despite telling me my account is heavily noted and nothing can be changed or requested without doing a extensive verification check to confirm identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been going back and forth with XX/XX/XXXXXXXX XX/XX/XXXX in regards to a vehicle that has been XX/XX/XXXX out and a title never arrived. This company is still reporting a negative $ XXXX balance on my report after telling me that my balance is {$0.00} and the title is in the mail.
Product: Checking or savings account

Dear Sir or Madam, My name is XXXX XXXX XXXX and a client of Bank of America for XXXX years. I currently reside in XXXX. I want to file a complaint against Bank of America due to their improper conduct towards me, their lack of responsiveness and the incapability of dealing with my claims. 
On XX/XX/2022, I submitted my complaint to the Federal Reserve, but they instructed me to submit it here. 
The bank branch is located in XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX FL XXXX. Phone ( XXXX ) XXXX. 

Since I reside in XXXX, I am being helped by XXXX XXXX, who is my mother in-law and resides in the US. 

To better understand what I have been going through with the bank, please read the attached chronology and documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On 2 occasions, I tried to unfreeze my credit on my.equifax.com and the unfreeze failed and the website required me to call in. The first time in XX/XX/XXXX, I called in and encountered a massive queue, apparently not enough operators and no automatic option. The second time, XX/XX/21 I had success with an automatic system, but it took an unacceptable 45 minutes. After, I connected to the website call queue and quickly got a nice guy who informed me their website were having maintenance issues on both occasions. Additionally, the website had incorrect state info about my account and requests-data corruption? 
Unfreezes need to be seamless and Realtime so Credit checks can be seamless and Realtime. In both cases I am purchasing vehicles in a hot market,  and I can't wait a day while one credit check company with a history of breaches holds my precious pii and has maintenance issues with their systems. I don't have issues with XXXX XXXX or XXXX, but I can't choose not to use equifax, or tell auto loan brokers to not use equifax.
Product: Credit reporting or other personal consumer reports

According to 15 US Code 1681a ( 4 ), as a consumer, I am entitled to privacy rights, which includes the removal of this bankruptcy entry from my consumer credit report. This provision emphasizes my legal right to have this bankruptcy information deleted, safeguarding my privacy and creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is report inaccurate information to my credit report. 
XXXX reports the DATE OPENED XX/XX/2018 and Experian XXXX XXXX report the DATE OPENED XX/XX/18 Amount : Balance : {$990.00} {$990.00} {$990.00} The HIGH CREDIT and CREDIT LIMIT do not match.

Date of last active do not match.

Date of late payment do not match.

602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title.
Product: Credit reporting or other personal consumer reports

In my credit report on my the Home Depot credit card is 30 days late the account number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Me and my XXXX sister were hanging out one weekend years ago on XXXX XXXX my XXXX had our dl & ssc in her purse someone grabbed the purse and in result we have became victims of identity theft and fraud
Product: Credit reporting or other personal consumer reports

Delete these inquiries, please. I don't know anything about them, and the company did it without asking me.
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1681g, commonly referred to as the Fair Credit Reporting Act ( FCRA ), consumers have the right to request a full disclosure of the information held by credit reporting agencies about their credit history. Specifically, this section mandates that a consumer is entitled to receive a complete and accurate copy of their credit report upon request. In light of this, I am disputing the charge-off listed on my credit report from XXXX XXXX , as the information provided appears to be inaccurate or incomplete. According to the FCRA, all information on a consumer 's credit report must be accurate, verifiable, and reported in a timely manner. It is my contention that the charge-off in question is either erroneous or was not properly verified by the creditor before being reported. Given that I am entitled to a clear and accurate representation of my credit history, I request that the credit reporting agency investigate this matter in accordance with 1681i, which requires investigations to be conducted promptly and corrections made if necessary. If the charge-off can not be substantiated with appropriate documentation, I ask that it be removed from my credit report as required by the law. I am exercising my rights under the FCRA to ensure that my credit history remains fair and accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company has the wrong first delinquent date, incorrect payment history, and the last activity on the account is incorrect. Its been more than 7 years since the first delinquent date and the account should have been deleted by now. A collection agency was also paid for this account and was supposed to have call this company to have it removed from my credit report, but it did not do that.
Product: Vehicle loan or lease

Regarding buy out of a lease. I just received a charge of {$100.00} after a full pay out by XXXX XXXX XXXX XXXX XXXX was done back on XX/XX/2021. I talked to them too and they said they paid in full on XX/XX/2021. I was told by Chrysler Capital that it was a property tax bill from my state. Which state I don't know since the XXXX Account Number : XXXX was leased in Wisconsin but I moved to Texas and bought it out in Texas. I was told that Wisconsin and Texas do not have property tax on vehicles. If it was from the XXXX of Texas, Chrysler Capital should have known what the tax should have been at the pay out time. I also don't understand why I have such a bill so many months after my pay out back in XXXX. I did ask Chrysler Capital for the bill from the State but have not heard back from them. I don't understand why someone can bill you after a pay out has been made. Please check into this for me. 

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

In accordance with the Fair Credit Reporting Act, XXXX XXXX, has violated my rights. 

XXXX # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX ) XXXX 15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 section A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Product: Credit card or prepaid card

Contacted credit card for a billing dispute in the amount of {$1500.00} ( XX/XX/2022 ) for services not rendered by merchant. I provided documentation and received a letter from bank card on XX/XX/2022 stating since a credit slip was not received that are leaving me with the charge and closing out the dispute. It is obvious that a merchant is not going to willing to provide a credit slip when they are clearly in the wrong.
Product: Mortgage

Loan #  XXXX  Lende r : WF Address:  XXXX   XXXX   XXXX , #  XXXX ,  XXXX   ,  MD  XXXX  I bought this unit and financed it with  XXXX   XXXX   .   Wachovia bo ught  XXXX   XXXX .  Wells Fargo used bailout money during the housing crisis to buy Wachovia. After acquiring Wachovia, WF called m e in  XXXX  claiming that I owed on the account and sent a bill of {$8000.00}. I disputed the bill, stating that the loan was pai d off. Wells Fargo asked me to make a payment arrangement while it researched my claim and that I would be refunded accordingly. In order not to injure my credit, I agreed. WF began drafting automatic payments from my account and suddenly stopped, referred the account to its lawyers to begin foreclosure. I threatened to sue them and their lawyers. Their lawyers withdrew. After a year, Wells Fargo hired another lawyer and claimed that I owed {$43000.00}. I asked for the result of the payoff research th at I requested in  XXXX . It was not until  XXXX  that  WF responded to that request, claiming it has no evidence of payoff. I asked WF why they stopped drafting payments and opted to hire a foreclosure lawyer. WF claimed in a letter that I filed ba nkruptcy in  XXXX  and it forced them to stop drafting payments. I challenged them to produce any evidence of me filing bankruptcy in  XXXX . I told them that the first time I ever filed bankruptcy in my life was in  XXXX  whe n Wells Fargo denied me loan modification on the ground that I had equity in my home and proceeded to foreclose my principal residence. I filed bankruptcy to stop it.    Because of medical issues and  XXXX   XXXX   XXXX  this was causing me, I offered to pay {$6000.00} and be done with this. In  XXXX   WF started again. I threatened to sue and report this to Congress. WF asked me not to and to improve my offer to resolve this. I offered {$10000.00}. More than a month not hearing from WF, I was told that it was referred to its lawyers for foreclosure, $ claiming {$60000.00} on the loan. This is how WF practices vulture capitalism and unmitigated extortion against me and other borrowers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX/Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XX/XX/XXXX 6. XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Has Violated my rights. 

XXXX XXXX / XXXX XXXX / Account Number # XXXX XXXX  XXXX / XXXX XXXX Account Number # XXXX Has Violated my rights. 15 U.S.C 1681 Section 602 A. States I have a right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of c more convictions of crimes which antedates the report by more than seven years. 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.
Product: Debt collection

I obtained a copy of my credit files from all 3 credit bureaus after finding out someone used my identity. I noticed several mistakes. I contacted Credit collection Services asking for validation of the 3 debts that they are reporting or remove it within 30 days. I sent them a certified letter that they received XX/XX/2019 which a XXXX signed for. i never received any validation of debt for the 3 accounts and they are still listed on my credit reports
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' PLEASE SEE ATTACHED LETTER TO Advanced Risk Solutions. A BANKRUPTCY IS NON PUPLIC AND NO REQUIREMENT TO BE REPORTED! Advanced Risk Solutions is a consumer reporting agency and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Advanced Risk Solutions ) is a financial and information institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Advanced Risk Solutions is a Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agency Advanced Risk Solutions does not have my consent to furnish this information and they surely do not have my written consent. 

Any and all consent to Advanced Risk Solutions to report or furnish information whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Advanced Risk Solutions Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law.

15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.

Advanced Risk Solutions is not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Equifax a disputed account verification letter regarding an account that was disputed with XXXX and deleted but Equifax is still reporting the account. The letter was sent on XX/XX/ and Equifax never responded to my request. I would like for this account to be removed from my Equifax report immediately.
Product: Debt collection

Cant not provide written documentation of contract and verify it belongs to XXXX XXXX
Product: Mortgage

I XXXXXXXX XXXX XXXX I contacted wells fargo because I was at risk of having a 30 day late mortgage payment. I have never had a late payment and didn't want to have that on my record. I only need a few extra days, but they suggested that I enter into the process for a home mortgage modification. This is not what I originally asked for but it seemed like a good idea. They specifically stated that this would allow a pause on payments for approximately 2months and it would not report negative to credit. The process was long and arduous but we did get the home modification. However, they kept reporting the payments as late. As a result, I have two 180+ late payments on my record. This has cost me thousands of dollars in denied credit, increased rates, increased insurance rates etc ... As part of the lawsuit Wells Fargo has been sending out checks to people who have had their credit wrongly lowered. In some cases these checks have been {$10000.00}. I believe I absolutely qualify for this. I also need those payments taken off my report. 
Thank you,
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Dispute Regarding Unlawful Negative Items on Credit Report I am writing to formally dispute the negative items that have been placed on my credit report by Experian, which I believe were reported unlawfully and without my consent or a written agreement. 

Upon reviewing my credit report, I noticed several negative entries that I do not recognize and were not authorized by me. These entries have had a detrimental impact on my credit score and overall financial standing, which I believe is both unfair and in violation of the Fair Credit Reporting Act ( FCRA ). 

I am requesting an investigation into these items and a thorough review of the documentation that Experian has regarding these entries. Specifically, I seek to understand how these negative reports were generated and to confirm that proper authorization was obtained prior to their placement on my credit report. 

Under the FCRA, I have the right to dispute inaccurate or incomplete information on my credit report. I have taken the necessary steps to contact Experian directly regarding this matter but have not received a satisfactory resolution. Therefore, I am reaching out to the CFPB to assist in rectifying this issue. 15 U.S.C. 1681 Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX XXXX.
Product: Debt collection

Every day I receive threatening calls telling me to let XXXX XXXX know and that I must take action on his behalf. I do not know the person they are calling for. I do not know how they got my number. They call from various numbers in different states. They know they do not have the right person but keep harassing me and leaving harassing voice mails that I have saved. 

The have called from : XXXX XXXX XXXX XXXX