23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I received a letter on XXXX XXXX that Wells Fargo had decreased my credit card limit from {$6000.00} to {$1900.00}. The explanation on the letter was vague but said it was based on low usage, high balances, or too many inquiries. When my limit was decreased my credit score was XXXX. Now because of the decrease of my limit my credit score has gone down XXXX points. I am a XXXX XXXX XXXX and a long time customer and not sure what factors they used to decreased the limit so drastically. I am trying to purchase a new home and because of this decrease I am not going to get approved. Wells Fargo is telling me that I need to reapply to do a credit limit increase which is crazy since now my score is very low. This decrease is affecting my ability to move, live and maintain. I have never experienced this. The score they had on the letter they sent me said my score was XXXX in XXXX which is false. My score has never been XXXX. I would like them to reinstate my limit immediately.
Product: Credit reporting

XXXX XXXX is reporting a collection account to Equifax that is incorrect. 

Per my credit report Account was opened XXXX/XXXX/XXXX, Date of Last Payment was XXXX, Date of XXXX Delinquency was XXXX, Date of XXXX Delinquency first reported was XXXX. 
On XXXX/XXXX/XXXX I submitted a dispute to Equifax to investigate. In my dispute I stated I did not owe a balance to them, as well as the information that is being reported is incorrect. If in fact my last payment was XXXX, then it would be impossible for my XXXX Delinquency to be XXXX, which is 26 months after the alleged last payment was made. 
The results of my dispute to Equifax state they have verified the information is correct, however it is blatantly obvious it is not correct and I would hope this would be removed from my credit report immediately, as it has caused adverse consequences in preventing me from obtaining credit and caused an unjust financial burden.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have absolutely no knowledge of this account and im seeking validation of ACCT # XXXX {$560.00} its not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, Experian has violated my rights. 

15 U.S Code 1681 Section 602 states I have the right to privacy 15 U.S. Code 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

15 U.S. Code 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card

Fortiva Credit I received a bill in the mail ... out of the clear blue ... for {$51.00} and annual fee and a paper statement fee. I NEVER APPLIED FOR this card. I called the number on the statement XXXX and spoke with XXXX on XX/XX/year> indicating that I never applied for the card, not sure why I'm getting a bill and an annual fee particularly for something for which I never applied. She stated the account as sent for {$1500.00} you know a credit card to shop for things. I told her as plainly and as direct that I could - that I did not apply for nor did I authorize a credit card. She said I understand ma'am and closed the account. I said what guarantee do I have that the account is closed, because I don't want to have to call back in again ... She assured me the account was closed. On XX/XX/year>, I received a text message (???? ) Fortiva Alert : Your Fortiva Credit Card payment of {$27.00} is scheduled to be processed on XX/XX/year>. I immediately picked up the phone to call them, where I was transferred 5 times ( XXXX, XXXX, XXXX, XXXX, and XXXX agent # XXXX or XXXX... which she would not confirm ) XXXX wanted me to verify by giving my dob, the last 4 of my social, my zip code ... which was a change from what was asked from the other agents. I immediately became even more suspicious - how did they get my information???!!!!
Product: Debt collection

I checked my report while trying a free monitoring service and see a item that I do not owe being I have different service and I always paid on time. From research of other consumer financial protection bureau reviews I am requesting you to delete this misleading information in order to show my true credit history. By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act of 1970, I demand that the following items be re-verified and deleted from my record.
Product: Mortgage

On XX/XX/2018 my home was damaged from a broken hot water heater above me I submitted to my insurance company and settled with them and was issued a check made out to both myself and the mortgage company .I informed the mortgage company ( XXXX XXXX ) and was issued a ILD #. On XX/XX/2018 they then sent me numerous papers to me to fill out and informed me that the money would be put in escrow and dispersed as needed once I sent them necessary paperwork which included copy of the following insurance company 's adjusters report/estimate, mortgagor 's declaration of intent to repair, bid/work contract, form w9 for contractor, contractor 's license affidavit, signed check from insurance company, any receipts for work paid and completed and a letter if I wish to receive more than 25 % of the total amount in escrow. This was all sent to them on XX/XX/2018. Having heard nothing from them I called on XX/XX/2018 to follow up only to be informed that because the contractor had not signed the bid they could not process I then faxed a signed copy that day. On XX/XX/2018 I called again this time I was informed it was not processed because I had not signed the bid ( If I did not follow up how long would the file have sat before someone got in touch with me to let me know they needed these signatures ) but the supervisor assured me he would expedite the payment and I faxed a signed bid by me to them. XX/XX/2018 called again spoke to a supervisor who informed me that a check was issued for half of the contractors bid amount. After explaining to this supervisor that the contractor needed to be paid in full in order to complete the work as it required the purchase of a furnace and air conditioner unit she assured me she would contact the appropriate people and explain the situation and would call me the next day and update me. No phone call ever came On XX/XX/2018 I called again and was told that no supervisor was available to speak to me I said I would hold for them and was informed I could not hold and they would call me back within 24 hours. So here I am no heat, air conditioner, walls, insulation, ceiling 's, and flooring. I am XXXX XXXX and live with my XXXX year old mother and the temperature outside will be dropping into the 60 's in two days. I have advised the insurance company of our situation and they sympathetic to my situation they do nothing to help. I would really appreciate anything you can do to help me. I do not understand why the mortgage company who say they are so interested in restoring the property back to its original state ( as I am very anxious to do ) is controlling the money to do so from the insurance policy that I personally pay for not them.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to tak timely and effective measures to prevent a. address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proces. was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Debt collection

I was contacted by mail by a collection agency on XX/XX/XXXX about a debt they were attempting to collect of behalf of PayPal , Inc . The debt was in the amount of {$700.00}. After confirming with PayPal that my account had a XXXX balance, I contacted the collection agency and informed them that it was a result of fraud as I was the victim of identity theft in the spring of XX/XX/XXXX and that I was still dealing with many cases of fraud by people using my personal information. The agent agreed that they would close the case and I received no further notices from them. Then I received a notice from different collection agency on XX/XX/XXXX about the same PayPal debt of {$700.00}. The PayPal account number listed on the notice was the same as the one in XX/XX/XXXX. I contacted the PayPal collections department and the agent there confirmed that my account has a XXXX   balance. She looked up the account with the XXXX debt, but said that the personal information ( phone number and email ) did not match and would not give me any more information about it. It is obvious that someone has opened a PayPal account using my name and PayPal is continuing to attempt to collect the debt from me even though they admit I owe them nothing. The collection agency that sent me the latest notice is : XXXX XXXX , XXXX . I am attaching a copy of the notice with their contact information.
Product: Debt collection

XXXX XXXX has committed insurance fraud. She claimed visits that I never made/attended. She received payments for services not rendered because I was never there on certain dates. She runs a business out of her home and has no legal process for check in/check out, or billing. I believe she fabricated invoices because again, I never attended the number of sessions she claimed and received payment for. She ruined my credit, caused me undue distress, and harrassed me over a debt that was paid promptly by my insurance company. According to XXXX XXXX, she repeatedly sent duplicate claims to them, stating she was not paid. 

She does not have proof of my visits because she never asked me to sign anything upon arrival ( aside from my initial assessment ). There 's no proper check in process. She told me she would just give me a certain diagnosis over the phone so that XXXX XXXX would cover my visits. Then after XXXX XXXX sent her payments, she called me and told me they were cancelled and I personally owed her money. She then proceeded to threaten to take me to court if I did not pay her. 

XXXX XXXX paid all of the claims she submitted in a prompt manner, and she continually harrassed myself and XXXX XXXX, stating we owed her more money. I have proof that all claims were paid ( cashed checks made from XXXX XXXX to XXXX XXXX, as well as a ledger ). I 've repeatedly disputed this with XXXX and am in the process of disputing with the XXXX other credit bureaus, and according to XXXX, XXXX XXXX refuses to remove this from my credit report. My account was closed on XXXX/XXXX/12 according to my credit report. However, she refuses to remove it and it should have never been on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a vehicle loan with XXXX XXXX, We reached a settlement and they told me once debt was satisfied they would delete from all 3 credit reporting agencies. I paid debt off and it's still showing up on my credit reports.
Product: Credit reporting or other personal consumer reports

I requested for the removal of all personal information that does not apply to my current personal data. XXXX, XXXX and TransUnion have violated the law by failing to remove this information. 
The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). A CRA is an entity that assembles and sells credit information and financial information about individuals. While there are three national CRAs in the United States ( XXXX, Trans Union, and XXXX ), private investigators, detective agencies, collection agencies, inspection bureaus, companies that sell information to insurance companies and assist in performing background checks, and college placement offices have been deemed to be CRAs under the law. CRAs compile what are called consumer reports, meaning any written, oral, or other communication of any information by a CRA bearing on a consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. See 1681a.

Federal, state, and municipal law enforcement agencies may obtain basic identifying information ( name, address, former address, employment ) on any consumer through a CRA. See 1681f. If they want more detailed information provided in a consumer report, however, they generally must seek a court order or subpoena. See 1681b ( a ) ( 1 ).
Product: Bank account or service

I rec 'd a letter on XXXX/XXXX/15 from TD bank informing me that the bank was to begin charging {$4.00} monthly fee on my XXXX account on XXXX/XXXX/15. I am appalled that a bank would begin charging fees before contacting me and allowing a period of time to move my funds if I were to choose to do so to avoid the charges.
Product: Credit reporting or other personal consumer reports

Account Name XXXX XXXX Account Number : XXXX Late Payment Date : XXXX I am writing to dispute the following inaccurate information that appears on my credit report. Under the Truth in Lending Act ( TILA ), specifically 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 purpose unless the creditor has adopted reasonable procedures to ensure that each periodic statement is mailed or delivered to the consumer not later than 21 days before the payment due date. Additionally, if an open-end consumer credit plan provides a grace period during which the obligor may repay any portion of the credit extended without incurring an additional finance charge, such a charge may not be imposed unless a statement including the amount upon which the finance charge is based was mailed or delivered to the consumer not later than 21 days before the date specified for payment. In accordance with 15 U.S.C. 1666b, I request that the credit bureau conduct a thorough investigation of these items and correct or remove the inaccurate information from my credit report. You can also check below attachment that i am paying on time.
Product: Credit card or prepaid card

I have a citi credit card with a flex loan balance ( maturing XX/XX/XXXX ) and a zero percent interest balance on it ( zero percent expiring XX/XX/XXXX ). On XX/XX/XXXX I had enough cash on hand to pay off the XXXX balance portion and submitted the payment through their online portal. The online portal has payment options that are : 1 ) Minimum due This is the amount that is scheduled to be paid by Autopay on XX/XX/XXXX, and includes your monthly Flex Plan payment. 
2 ) Adjusted New Balance + Flex Plan Monthly Payment This includes your monthly Flex Plan Payment Amount and the non-Flex Plan portion of your last statement balance. It does not include Flex Plan payments due in future months. 
3 ) Last statement balance This is the amount you owe from your most recent statement dated XX/XX/XXXX, and includes your Flex balance. 
4 ) Current balance This is the total amount you currently owe. 
5 ) Custom Amount I select option number 2, which according to the description should have paid off the zero percent interest balance on my card so I would then only have the remaining flex loan payments left. My payment was processed for option number 2, however Citi did not pay down the balance on credit card but instead paid down the flex portion of my loan. I contacted customer service on XX/XX/XXXX to have this corrected however i was told that they are unable to do that, the only option was for Citi to reverse the payment and charge me a purchase APR on it. I pointed out to them that their payment section of their website was misleading and their response was the terms of the flex loan state how payments are processed. While this may be  true, the payment section of the website is directly contradicting this. I am now in a situation when my zero percent interest expires in XXXX I will be paying a 19 % interest rate even though I attempted to pay off the balance in XXXX following the instructions on their website.
Product: Credit reporting, credit repair services, 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. 
Account name : XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

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: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized hard inquiries on my credit report, listed below with the dates they were wrongfully conducted. I have been a victim of identity theft, which I have reported to the police and the XXXX  and I have the corresponding reports. I believe these unauthorized inquiries are another occurrence of the same theft. 

XXXX. Date : XX/XX/year>, conducted by XXXX XXXX XXXX. The inquiry is listed under the address XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, with the contact number ( XXXX ) XXXX. I have no knowledge of, nor did I provide any information or authorization to this entity for such an inquiry. I request that this unauthorized hard inquiry be investigated and subsequently removed from my credit report. 

XXXX. Date : XX/XX/year> Unauthorized hard inquiry on my credit report conducted by XXXX XXXX XXXX The inquiry is listed under the address XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, with the contact number ( XXXX ) XXXX. I have no knowledge of, nor did I provide any information or authorization to this entity for such an inquiry. I request that this unauthorized hard inquiry be investigated and subsequently removed from my credit report. 

XXXX. Date : XX/XX/year> : Unauthorized hard inquiry on my credit report dated XX/XX/year>, conducted by XXXX XXXX The inquiry is listed under the address XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX, with the contact number ( XXXX ) XXXX. I have no knowledge of, nor did I provide any information or authorization to this entity for such an inquiry. I request that this unauthorized hard inquiry be investigated and subsequently removed from my credit report.
Product: Prepaid card

I visited XXXX XXXX XXXX XXXX on XXXX XXXX XXXX, XXXX, NJ XXXX to withdraw {$2700.00}. I was turned away and told to use the ATM, transfer funds online, or transfer funds using the mobile application. I was helped by a teller XXXX who gave me a handout about transferring funds online or using the mobile application. I asked XXXX to check about withdrawing money from the teller. He checked with XXXX who affirmed what XXXX said. XXXX said XXXX XXXX XXXX XXXX facilitates the payroll card and my money is not deposited in their bank. Hence, I am not able to withdraw my money from the bank. 

I called Customer Service at ( XXXX ) XXXX. XXXX said there was no fee to transfer funds. XXXX said there was no way for me to get my money from a teller. She said there was a {$1000.00} daily limit for transfers.
Product: Credit reporting or other personal consumer reports

I am writing you with this formal protest and a demand for prompt action ( s ) on your part. You are erroneously reporting improperly to the main three credit reporting repositories and damaging my credit. You are in violation of the FCRA aka the Fair Credit Reporting Act. The Suspected transgression ( s ) might well be subject to fines and damages. I am providing you but this one last fortuity for rectifying of this alleged credit circumstance. Previously, I had sent you a letter advising you that you were inaccurately reporting. Additionally in that request I in fact did assert your necessary requisite ( s ) to modify appropriately my file. Due to your now obvious continued misreporting ( s ) albeit any all or each unfair and or surely unethically non-compliantly reported in that it seems that my mailed letter was sadly disregarded.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a personal problem that affects just me. This is affecting every consumer in our country. You have to fight & make several phone calls to get to your free annual credit report or even if you're denied credit. All 3 of these agencies direct you totally to their " pay for sites ''. This is a scam & is directed totally to people of low income or seniors. People with high incomes & other means of income do not rely on these so called credit companies. I also realize my complaint will be tossed & never addressed before I die.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE CREDIT AGENCY EXPERIAN REFUSES TO REMOVE NEGATIVE ITEMS FROM MY CREDIT REPORT! THESE ITEMS ARE LISTED BELOW : ( 1 ) XXXX  ( 2 ) XXXX XXXX XXXX XXXX THESE COMPANIES WERE CONTACTED BY ME AND I WAS TOLD BY THESE COMPANIES THAT THEY DID EVERYTHING THEY ARE SUPPOSE TO DO AND NOW IT'S THE RESPONSIBILITY OF THE CREDIT BUREAUS TO DELETE NEGATIVE ITEMS FROM MY CREDIT REPORT. I RECEIVED AN INVESTIGATIVE REPORT FROM EXPERIAN ON XX/XX/2020 AND THE ABOVE ITEMS ARE STILL ON MY CREDIT REPORT. 

XXXX AND XXXX HAVE ALREADY DELETED THE ABOVE NEGATIVE ITEMS FROM MY CREDIT REPORT, HOWEVER EXPERIAN STILL REFUSES TO DELETE THE SAME ITEMS OFF OF MY EXPERIAN CREDIT REPORT AND I HAVE TO ASK THE QUESTION???? WHY? WHY? WHY? WHY? WHY? WON'T EXPERIAN REMOVE THESE ITEMS OFF OF MY EXPERIAN CREDIT REPORT???? 

I HAVE WROTE TO YOU SEVERAL TIMES AND FILED A COMPLAINT AGAINST EXPERIAN AND TO THIS DATE THE ISSUE STILL HAS NOT BEEN RESOLVED! WHY? WHY? WHY? WHY? WHY? 

I HAVE SENT EXPERIAN ALL DOCUMENTS SHOWING THAT XXXX AND XXXX  REMOVED THE ABOVE NEGATIVE ITEMS OFF OF MY CREDIT REPORTS FROM THEM AND I ASK THE QUESTION AGAIN WHY EXPERIAN WON'T REMOVE THE SAME ITEMS????? 

ALL ( 3 ) CREDIT BUREAUS BY LAW ARE TO SHOW ALL THE SAME INFORMATION AND EXPERIAN OUT RIGHT REFUSES TO DELETE THE ABOVE INFORMATION! 
THIS CREDIT REPORTING AGENCY ( EXPERIAN ) IS THE FAR WORSE CREDIT REPORTING AGENCY THERE IS AND FRANKLY I'M SICK AND TIRED OF THE RUN AROUND EXPERIAN IS PUTTING ME THROUGH AND I WOULD EXPECT THE CFPB TO ACT SWIFTLY TO GET THIS MATTER RESOLVED AND MAKE EXPERIAN COMPLY AND DELETE THESE NEGATIVE ITEMS OFF OF MY CREDIT REPORT!!! 

EXPERIAN IS THE WORST CREDIT REPORTING AGENCY EVER!!!!!!!!!!!!!!!!!!!!!