23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XXXX XX/XX/year>, Cardmember Services, apparently for US Bank but not shown anywhere on the letter, raising my APR due to use of my credit line authorized by US Bank.

Reasoning for this increase included : 1. " Ratio of balances to credit limits too high ''. In other words, I used the credit offered and am now being penalized for using it.

2. " Number of accounts with delinquency ''. I have one account with one late payment in the last five years plus... 

3. " Proportion of loan balance to loan amounts too high ''. A rewording of " reason '' # 1.

4. " Length of time revolving accounts have been established ''. I am to limit my credit to only those accounts I opened, what, five years ago? Credit card companies offer store cards, such as Tire Discounters, and then penalize for accepting their offers? 

On XXXX XX/XX/year> I contacted the XXXX to affirm that they " appreciate your business and understand you may have questions about these charges. Feel free to contact us anytime ... '' The representitive could not answer any questions related to the letter and referred me to contest the letter in writing. 

On XXXX XX/XX/year> I initiated a complaint with the Ohio Attorney General linking this issue with US Bank to three other credit card companies that are " feeding '' off this same scenario to raise APR 's. They lower my credit limit as I pay down the balance then raise my APR because I used the credit amounts they authorized me to use.
Product: Debt collection

I checked my credit score and noticed that I had a collection that does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My legal name is XXXX XXXX XXXX Not XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXX name XXXX Attached is a copy of my driver 's license and passport. Please update my account to reflect this. I have another account ( XXXX ) which has it correct. I told the dealership to make sure this information was correct before loan closing and I was assured it was. 
Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Last Four of social # XXXX
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX Balanced {$420000.00} XXXX  XXXX XXXX Balanced {$0.00} XXXX XXXX XXXX Balanced {$0.00} XXXX XXXX Balanced {$16000.00} XXXX  XXXX Balanced {$14000.00} XXXX XXXX XXXX Balanced {$0.00} XXXXXXXX XXXX XXXX XXXX Balanced {$450.00}
Product: Credit reporting

This pertains to Chexsystems. I have disputed these accounts for XXXX XXXX XXXX and XXXX Bank through the Chexsystems dispute process, that show me either owing a balance or having paid a delinquent balance. I have never owed either institution any money and have closed both accounts years ago, yet they still show up on this reporting service as " charged-off '' or charged-off but paid in full. 
As a result, i am unable to open a new bank account and I want these fraudulent entries deleted from my Chexsystems report.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX Balance : {$4600.00XXXX XXXX XXXX  XXXX XXXX Balance : {$1900.00} XXXX  XXXX XXXX Balance : $ XXXXXXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

a company stole my identity and got a loan under my name directly into their bank account with the amount of {$110000.00}, they did not provide me the services and the company ran away and abandoned the promise and breached their contract with me. 

I have contacted these two loan companies numerous time to report this fraudulent and identity theft but loan companies are siding with the fraudulent XXXX company. 

Please help me I am in a desperate situation facing sever hardship. Thanks.
Product: Debt collection

There are two collection items listed on my credit file from the same company called Way Point. I have never received any notices from this company nor do I owe a copy called XXXX XXXX House. There is one account ( same company ) stating I owe XXXX and another account same company saying I owe {$160.00}. No verification or any notice has ever been received nor do I re call these account. Please help me
Product: Checking or savings account

Sombody used my bussines debit card, i file complaint I disputed claim number # XXXX Union bank denied my claim and stiil my monay, union bank keep me wait XXXX to returne my monay back, to the end claim denied!
Product: Credit reporting or other personal consumer reports

Equifax and XXXX conducted an investigation and refused to remove fraudulent rental collection from The XXXX from my report as of XX/XX/year>. Attached is the FTC Report, letter from XXXX XXXX XXXX stating they will remove it from my report, and a letter from The XXXX stating that it is not my debt. I have also attached a hand-signed and notarized Identity Theft Affidavit signed for XXXX. I previously submitted a complaint, but am adding a police report.
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts violated my rights : U.S. DEPARTMENT OF EDUCATION XXXX XXXX DEPARTMENT OF EDUCATION XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED XXXX XXXX XXXX DEPT OF ED / XXXX XXXX US DEPT OF EDUCATION XXXX US DEPT OF EDUCATION XXXX XXXX US DEPARTMENT OF EDUCATION XXXX XXXX US DEPARTMENT OF EDUCATION XXXX XXXX US DEPARTMENT OF EDUCATION XXXX XXXX US DEPARTMENT OF EDUCATION XXXX XXXX US DEPARTMENT OF EDUCATION XXXX XXXX US DEPARTMENT OF EDUCATION XXXX XXXX US DEPARTMENT OF EDUCATION XXXX XXXX DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX US DEPT OF EDUCATION XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX DEPT OF ED/XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX DEPT OF ED/XXXX XXXX XXXX 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 an account without my written instructions. Thanks!
Product: Vehicle loan or lease

My reason to complain about the same company I filed a complaint on. Its because theyre very disrespectful and its always some kinda threat. This time some guy called XXXX emailed me. Saying that I was lying about mi situation but they would still approve my deferment request. Everything was sarcastic and felt very disrespectful. I dont wan na work with them anymore I feel like theyre gon na make XXXX living for me the next periods.
Product: Credit reporting or other personal consumer reports

I have told the account wasnt mines and they didnt do nothing about itte
Product: Money transfer, virtual currency, or money service

Received Fake text message claiming from Pay Pal. But the phone number was suspicious and so was the grammar. XXXX. 

Message Claimed " You have sent payments of {$15.00} to XXXX. If you feel you do noit recognize this payments, Log in to PayPal " XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is on XXXX XXXX XXXX. Back at the end of XX/XX/XXXX I sent a dispute letter and online dispute to have the unauthorized inquires removed from my report. I asked it to be investigated and verified. I also want to know the name of the person they spoke with and copies of verification of my signature or authorization. I also advice the that the Collection agencies on my report did not have permission to use my information,  I do not have an original account with them or any signature saying they could collect on me. I asked for validation  and verification from the debt collector according to FDCPA rules.  They return my online dispute after 3 days saying it was valid, but did not provide the Property and information I asked for. They have not removed these unauthorized inquires and it is affecting my credit. XXXX has sent me the same letter 3 weeks in a row with out the validation or verification only to say the i.inquires will not be removed. I also spoke with a representative on the phone who did not provide any assistance.  This has been actually going on for awhile and no proof has been provided. Please have them to remove all inquires off my credit report and remove the collections that are not the original creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Michael Wayne Investments is reporting that an old loan I used to have with their company is still active and past due. This account has been closed and charged-off since XXXX of 2015,
Product: Credit reporting or other personal consumer reports

Inaccurate info being reported. Account is up to date
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I received a copy of my XXXX credit report, and I noticed some late payments on my credit report : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company is in clear violation of the law. Under 15 U.S.C. 1681 ( b ) permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S.C. 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS - Except as provided in paragraph ( 3 ), the term consumer report does not include- ( a ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report of ALL listed accounts this agency is in violation of 15 U.S.C. 1681 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 U.S.C. 1692g violations 4. Fair Credit Reporting Act 15 U.S.C. 1681 violations for willful noncompliance - 616 Civil Liability for willful noncompliance 15 U.S.C. 1681 ( n ) Best Regards, XXXX XXXX Enclosed : copy of ID and Utility Bill showing proof of address.
Product: Credit reporting or other personal consumer reports

My account with DPT EDXXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments 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 designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

DPT EDXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

My wallet was stolen around the same time this account was open. I have 2 collections in result of this.
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I informed them that I was no longer employed as of XX/XX/XXXX. My son was ran over by a car and suffers from a XXXX XXXX XXXX. I am his caregiver and we only have his social security for income. They were not willing to offer any hardship and constantly calls and emails every day.
Product: Mortgage

Last year, due to the state of emergency with Hurricane Irma, Wells Fargo Home Mortgage deferred my payments until my home was repaired. It took me about 9 mos. I was allowed to pay $ 200 monthly. After I got my home repaired, I called them to start paying my regular monthly payments. I had to fax in all my income documents for the modification. They never told me that they were charging late fees & other fees for every month I did not pay my mortgage. I called and spoke with them every month. I got a call on Monday stating I owe {$9800.00} for the time I did not pay full mortgage and my account is delinquent. They said by my income I can not afford to pay this amount and they decided to refinance my home for another 30 years. I have been in my home now for over 15 years, and I owe only {$54000.00}. I am in my late XXXX 's and can not afford to refinance my home for another 30 years. They told me that was the only choice I have. This is not fair to me as an XXXX American Woman, When I spoke with them in the beginning of the deferred payments, I asked can the months I missed paying my full mortgage can be put behind? I was informed on the phone, that will be discussed after I get my home repaired. This is not fair to me, and I do not want to lose my home. I want to pay the {$9800.00} and continue with my mortgage. Please help me.
Product: Checking or savings account

My bank account was hacked online on XX/XX/XXXX and quite a sum of money ( over {$1000.00} XXXX was taken. There were funds taken from my debit and my credit accounts. I DID NOT approve the transactions in the least. There were fraudulent charges through XXXX on my credit card and through XXXX on my debit card. The funds went to people I DO NOT know and through means that I didn't even have access too. I didn't even have a XXXX account. I obviously shut off my cards and filed fraud reports and police reports. As of today, XX/XX/XXXX, over XXXX months later I have still not received any funds back and am still having to fight the bank that the charges were fraudulent. I call them on a daily basis and get nowhere. I have asked for a supervisor on several occasions and either get they aren't available or they will call you back. I, of course, never get a call back. I get hung up on more often than I talk to a person. This is extremely rude and they are not putting the consumer first. I have done nothing wrong but yet feel as though I am being punished. BBT is not doing their part at all. I have any kind of proof you may need when it is requested. Any other financial institution would have had the money replaced within a week. This is beyond ridiculous and I do not know what else to do. Please help me get these funds replaced. We are in a pandemic and losing this kind of money makes it very difficult to provide for myself and my family.
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. 

Account Name : XXXX XXXX  Account Number XXXX XXXX XXXX XXXXXXXX and list of Inquiries. 

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 card or prepaid card

Capital one has consistently failed to resolve my dispute of receiving a wrong item. The bank has requested me to submitted unreasonable request of the wrong item I received a month ago. I have disposed the item as it was not something I ordered, but the bank failed to consider my dispute because I didnt provide a picture of a food
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



1. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

8. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 

9. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

10. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

11. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

Apex Asset management LLC XXXX XXXX  XXXX XXXX XXXX XXXX XXXX PA Attempting to collect a medical debt from me even after they receive a letter from a Hospital asking to stop collection and even after I finally talk to supervisor back in XX/XX/ and she confirm that they receive such letter from a hospital??? After that I continue to receive a letters and calls. As per my last conversation with XXXX XXXX ( agency rep ) in XX/XX/ she treating me and give me a last chance to pay using unprofessional language. 
This must be stop! I request to speak with her supervisor at this time and I was refuse my right to address my concerns to her superior. I appreciate you help in this matter. Thank you
Product: Checking or savings account

I opened a savings account with the XXXX Bank of America branch on XX/XX/XXXX at the advice of a rep who told me the bonus would far exceed any interest I would receive from another bank. The account was funded to the prescribed amount on XX/XX/XXXX. I was to earn a bonus of {$400.00} after 90 days of maintaining the prescribed balance. I did that. When the 90 days had concluded I called Bank of America XXXX and asked why my {$400.00} bonus had not been deposited into my account well beyond the 90 days. She assured me it would be deposited the next week. It was not. I called again the week of XX/XX/XXXX and was told XXXX, the assistant branch manager was putting in the request for the bonus to be applied. It could take 7-10 days until it was deposited. Why would someone have to request the bonus. That should be automatic upon fulfillment of the agreement. No deposit. I called again on XX/XX/XXXX many times. No one answered many times. Finally one person answered, I explained the situation and she XXXX transferred me to BOAs XXXX number. I called again XX/XX/XXXX, no one answered the phone. What kind of business doesnt answer their phones? I made an appointment at XXXX to speak to XXXX XXXX XXXX Incidentally, she was the person who opened my account initially and to whom I spoke the first time about the bonus. ( It was XXXX who told me it would be there the next week. ) Upon arriving at the bank and explaining the situation to XXXX XXXX, she disappeared into the back office. When she returned she told me told XXXX was at lunch and the manger with whom she spoke to said the funds would not be deposited for 30 days. It has been more than 120 days since I opened the account. After leaving the bank I received a notice that I had cancelled my appointment. That is NOT true. See below. 

Friday XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXXXXXX XXXX Other XXXX Cancelled XXXX appointment XXXX XXXX on XX/XX/XXXX XXXX XXXX pm XXXX at XXXX XXXX XXXX XXXX NJ XXXX The issue here is obviously the {$400.00} bonus I am to receive. I can not close my account until the bonus has been deposited or I will NOT receive the bonus. I am not even earning {$1.00} a month interest on this account. I have to close the account and open one elsewhere so I am able to earn interest. This is part of my income in addition to social security. 

Bank of America has been untruthful on XXXX separate occasions. This is unconscionable. I want the {$400.00} bonus and interest I would have earned after the XXXX fulfillment of my agreement. 

Thank you in advance for your assistance in this matter. Please confirm receipt of this complaint. 

Best regards,