23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

In XX/XX/XXXX I went to the XXXX XXXX XXXX located at XXXX XXXX XXXX in XXXX VA ( XXXX ) to purchase a new dishwasher. While checking out, the store employee told me that I could purchase the dishwasher either outright ( which I had intended to do when I went to pick up the item ), or I could make biweekly payments with no interest for the same cost - they would just deduct {$42.00} every two weeks from my bank account. I decided to try the payments since there would be no difference in the cost. 

Fast forward to XX/XX/XXXX - a company called TEMPOE has been taking {$42.00} from my bank account every two weeks beginning on XX/XX/XXXX. Thus I have now paid {$770.00} for a {$450.00} dishwasher that I was perfectly capable of purchasing outright at the time of my purchase, but was grossly misinformed about what I was signing up for. 

On XX/XX/XXXX, I called TEMPOE at ( XXXX XXXX XXXX XXXX per the last charge on my account to ask what these charges were for. They informed me that I had signed up for a lease of this item I intended to purchase outright. When I told them that I never signed a lease for an item - I was told I was just making normal payments for the cash amount - they told me that they could close out the lease. But I paid over {$300.00} more for the item than I was told at first, AND I NEVER RECEIVED ANY DISCLOSURES OR AGREEMENT FOR A LEASE. After explaining this, the TEMPOE employee noted that they had emailed it to an email address that was not mine - confirming that no terms were ever disclosed. 

The TEMPOE employee has put in a request to refund {$300.00} to me, but was very clear that there is a good chance they will not approve the refund. I am filing this complaint because I sincerely believe that the money is owed back to me due to the fact that I was not informed that I was signing up for a lease but instead was told I was buying something same as cash, just making payments instead - and that no lease agreement or disclosure of any terms were provided to me. I am also questioning the integrity of this service based on what I have gone through. 

I have attached a history of all of the payments made to this company since my intended purchase ( and unintended lease ).
Product: Credit reporting or other personal consumer reports

I am writing to formally request your assistance in investigating inaccuracies and unauthorized accounts and other inaccurate information on my credit report, which have directly impacted my ability to be approved for loans. Despite my efforts to resolve the issue with the credit reporting agencies, these discrepancies remain unresolved. The information on my credit file includes which I did not authorize or recognize. As a result, my creditworthiness has been significantly affected, leading to my denial for crucial financial opportunities, including loansIappliedfor. 

Inaccurate Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Late Closed : XXXX  XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Charge Off : XXXX XXXX XXXX Balance : {$2100.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX  XXXX Balance : {$2400.00} Date Opened : XX/XX/XXXX Collection : XXXX XXXX Balance : {$370.00} Date Opened : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$110.00} Date Opened : XX/XX/XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$2400.00} Date Opened : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$860.00} Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$3100.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$30000.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : {$2100.00} Date Opened : XX/XX/XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  Companies XX/XX/XXXX XXXX XXXX Companies XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Companies XX/XX/XXXX XXXX XXXX Companies XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit card or prepaid card

WF CRD SVC WF CRD SVC, CREDIT BUREAU DISPUTE RESOLUTI, XXXX XXXX, IA XXXX I called Wells Fargo dispute office early week of XX/XX/XXXX and even 30 days ago and they asked for my information. And they said my birthdate is wrong. 
I told them that then it isn't mine. And they won't remove their hard inquiry and old revolving account from my credit report. 

They put " charged-off '' and they won't tell me who the collection agency bought this account. 

Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity Date of First Delinquency XX/XX/XXXX Collection Agency would call me or send me a letter to let me know what I owe ... or just be on my credit report a long time until I can see it on there. 

You can ask the credit bureaus that I paid off all of my collection agencies. It is sad that Wells Fargo is treating me like this. 

They know that most people don't look at their credit report. 

They said that they will submit it to fraud department. 
I asked them what address is on the application, they said my current address is on there. I told them that I never applied for a card in Mississippi in XXXX. 

They said that they will send me the application and other stuff for validation ... and they never did mail them to me. 

I disputed with XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, KS XXXX and I do not know who they are. They never responded to me, it has been over 30 days. Their trade name XXXX and XXXX XXXX, I have never borrow money from them or applied to them. 

I disputed this on XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX and they didn't respond to me at all. I asked them to remove themselves off of my credit report. Since they didn't send me any validation. 

I disputed this on XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, ND XXXX and I have not heard from them either. They didn't send me any validation. I don't remember them. 

I attached document of transcript conversation between me and Wells Fargo ... using TTY.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am filing this complaint to report unauthorized activity on my credit report due to identity theft. There are multiple accounts and debts listed on my report that I did not open or authorize. Below are the specific details : 1. Account with XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX This account was opened when I was underage and did not have access to my credit. I did not authorize or open this account. 

2. Debt with Portfolio Recovery Associates Date Reported : XX/XX/XXXX This is a debt I have no connection to. I reported this issue to the police, but they informed me they were unable to assist further. 

3. Unauthorized Addresses on My Credit Report XXXX XXXX XXXX XXXX, XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX These addresses are not associated with me, and I have never lived at or used these addresses for any purpose. Also, 8 names on my credit report. My name is XXXX XXXX XXXX. XXXX XXXX Name ID # XXXX XXXX XXXX XXXXXXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX Also, phone numbers that are not mine. ( XXXX ) XXXX XXXX ( XXXX ) XXXX Cellular I have taken steps to address this issue, including filing a police report and contacting the credit bureaus, but the unauthorized accounts and debts remain on my credit report. This has caused significant harm to my credit score and personal financial situation.

I am requesting CFPBs assistance in : 1. Ensuring that the unauthorized accounts, debts, and addresses are removed from my credit report. 

2. Restoring my credit score to its correct standing.

3. Preventing further misuse of my identity by working with the affected institutions.

I am willing to provide any additional information or documentation necessary to assist with the resolution of this matter. I sincerely appreciate your time and attention to my case. 



Thank you for your help.
Product: Credit reporting or other personal consumer reports

When I learned that at the XXXX XXXX  XXXX I transferred from my XXXXXXXX XXXX  account XXXX into my Bank of America account towards the XXXX XXXX XXXXXXXX. I immmediately saw that my funds were not made available to me. I was advised to call the collection. agency and was transferred to them!!! I called Bank of America XXXX XXXX to retract my XXXX back into my IRA account. I was told I should see it back in my account XXXX business days. I was even given a ticket number. On XX/XX/XXXX I learned that my long term XXXX was approved thru XXXX and that I would be getting a direct deposit into my checking account at Bank of America however it would not be made available to me! I called department to department at Bank of America asking to please return that direct deposit they decided not to close, and give all of my XXXX money to an unethical debt collector. In fact I have attached the response from the debt collecting company Bank of America sent them my entire XXXX and failed to read the order.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting an account on my personal credit report that is not mine and is a result of fraud. Credit reporting agency did not fix after initial dispute. Contacted XXXX XXXX XXXX to have account closed, but they did not remove it from my credit report.
Product: Debt collection

Account Name : TARGET/TD Account Number : XXXX Date Opened : XX/XX/2017 Balance : {$290.00} Reason : Identity theft Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to file a complaint regarding the unfair and possibly discriminatory practices of Wells Fargo in handling my credit card account. On XX/XX/XXXX2024, I received a notification from Wells Fargo that my credit limit had been reduced from {$16000.00} to {$8600.00}. This reduction was made without prior notice and placed my balance over the new limit due to a pending transaction, causing significant damage to my credit score and financial stability.

Timeline of Events : Perfect Credit History, Prior to this incident, I maintained a perfect credit history, using my personal credit to support my business growth responsibly. I never missed a payment and kept my balances within reasonable limits. 

XX/XX/XXXX2024 - Limit Reduction : Without any prior notification, I received a letter from Wells Fargo on XX/XX/XXXX2024, stating that my credit limit had been reduced from {$16000.00} to {$8600.00}. This immediate reduction placed my current balance over the new limit due to a pending transaction. The balance due was raised to {$650.00}.

Impact on Credit Score : As a direct result of this sudden credit limit reduction, my credit score dropped significantly from a high rating to XXXX FICO. T

his drastic drop severely affected my creditworthiness, hindering my ability to secure necessary financing for my business. Violations of the CARD Act : Lack of Notification, The Credit Card Accountability Responsibility and Disclosure ( CARD ) Act of 2009 requires credit card issuers to provide at least 45 days notice before making significant changes to account terms, including credit limit reductions. Wells Fargo failed to provide any such notice before reducing my credit limit, thereby violating this provision. Over-Limit Fees : The CARD Act prohibits charging over-limit fees unless the cardholder has explicitly opted into such fees. Due to the sudden reduction, my balance exceeded the new limit, but I did not receive an over-limit fee notification or opt-in request, indicating another potential violation. Request for Resolution : I believe that Wells Fargo 's actions were not only unfair but also potentially discriminatory. The lack of proper notification and the severe impact on my credit score suggest that the bank may have unfairly targeted my account, possibly due to the recent inquiry for a business line of credit. When speaking with Senior Escalations Representative, XXXX XXXX XXXX XXXX, although she noted my concerns, the information provided back lack of metrics and " template answers '' which could not be justified.

I kindly request the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter thoroughly. 


Sincerely, XXXX XXXX
Product: Mortgage

I have a mortgage with Freedom Mortgage Corporation ( FMC ). As of the mortgage statement dated XX/XX/2021, I had an amount under Partial Payment Unapplied of {$2500.00}. ( This amount also appeared on previous statements. ) A full payment totals {$2500.00}. Freedom Mortgage holds partial payments " in one or more separate suspense accounts. Once we receive funds equal to a full monthly payment, we will apply those funds to your mortgage. '' ( quoting from the statement ). 

On XX/XX/2021, I sent FMC {$4.00}, which, combined with the unapplied partial payment, would total {$2500.00}. That would cover the amount due XX/XX/2021 of {$2500.00}. I later called FMC on XX/XX/2021, after my bank confirmed that the {$4.00} had been paid and spoke with a FMC representative, who confirmed that the combined amount would cover the payment due XX/XX/2021. 

FMC, as of their statement dated XX/XX/2021, has not recognized any money paid towards the amount due XX/XX/XXXX. The Partial Payment Unapplied of {$2500.00} has simply disappeared. They have taken my money.
Product: Credit reporting or other personal consumer reports

I am writing to report an identity theft issue and discrepancies on my credit report. I have recently discovered that my personal information has been compromised, leading to fraudulent activities on my credit accounts. I have taken steps to address these issues, including contacting the credit bureaus to dispute these inaccuracies and placing a fraud alert on my file. I seek your assistance in further investigating and resolving these matters. Please advise on the next steps to rectify. 

XXXX XXXX XXXX - XXXX - {$7200.00} XXXX XXXX XXXX - XXXX - {$730.00}
Product: Debt collection

. I sent a certified letter to LVNV FUNDINGT on XX/XX/year>, asking for VERIFICATION AND VALIDATION of alleged debt owed. As of today 's date XX/XX/year> I have not received any correspondence from this company., In the letter I also asked that they promptly delete any and all prior consumer reporting made to any CRAs. 
Therefore, I am asking that this information that they have illegally placed on my credit report be removed from all credit bureaus. 

CERTIFIED # XXXX XXXX
Product: Debt collection

On XXXX XXXX I received a collection notice from Portfolio Recovery in regards to a collection account in the amount of {$200.00} and while I have not given this company consent to disclose my location information this is a direct violation of 15 USC 1692b Acquisition of location information this company should have not contacted me about an alleged debt not owed to their company without consent of the consumer. This debt is disputed.Please delete from your information system.
Product: Credit reporting or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need to be disputed : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting act, XXXX  account name XXXX XXXX, including Account # XXXX, XXXX, 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent my letters to the bureaus. I told them to investigate every piece of information on the accounts i have listed which are XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX and XXXX XXXX XXXX OPENED XXXX XXXX. 

According to the FRCA the term investigative consumer report means a consumer report or portion therof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate and according to the FRCA 15 USC 1681 everything has to be 100 % accurate.
Product: Debt collection

So far I was not getting any letter from this debt collector Credence resource management since XXXX. Now I just got the letter again in the mail today on XX/XX/XXXX I do not lease anymore from t mobile I want this disputed Right now!. I can not afford to pay the {$1500.00} Im no longer leasing from XXXX XXXX They keep harassing me. I do not have the rights to pay this. I want this to stop immediately I will take this into legal actions If THIS DOES NOT STOP. I only have one job and I am on XXXX.
Product: Credit card or prepaid card

I am no longer able to pay down on my credit card because of high interest rates and high cash advance fees. I am XXXX and receiving XXXX payments. I do not have enough income to pay the monthly balance of my credit card. If you can please lower the interest rate and cash advance fees, if you can not do this then I will be forced to stop payment and allow the balance to go in collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score had been dropped significantly due to incorrect account information. Im in the process of mortgage loan modification with santander bank after 18 month Covid forbearance. I chose loan modification as my repayment option and resumed monthly mortgage payment ( starting with three month trial payment ) right after 18 month Covid forbearance and never missed payments since XXXX. however, outsourced santander banks loss mitigation dept is keep delaying loan modification process and never finalizing nor updating the status of my loan account. Seems like, loss mitigation dept and Santander bank are not communicating each other, As a result, santander bank reported my mortgage account as delinquent. How can i revert back my credit score? Santander bank eliminated their mortgage dept. couple month ago and outsourced mortgage service to other company and outsourced servicing firm is not finalizing my loan modification document. They supposed to finish modification process last XXXX after three month trial payments. Please help me.
Product: Credit reporting or other personal consumer reports

I have provided to the relating consumer credit reporting agencies that the address information on my reports other than the address beginning with ( XXXX ) are incorrect, invalid, UNMAILABLE ADDRESSES, that are not correct, and are not associated with me in any capacity and should be removed if the address is not ( XXXX ). Please remove all addresses that are not ( XXXX ) for they are not associated with me or my name. Please remove unmailable addresses not starting in XXXX.
Product: Checking or savings account

On XX/XX/year> I got a text from a man asking if I authorized a {$400.00} purchase at XXXX? I texted the response No. Then I received a call saying he was with the fraud department with Chime. He told me I would have to open a new account and he would help me. The man said his supervisor would be helping me. Gave her name .The man said I would need to have all funds in the checking account. I followed through the steps with the man. The he told me to go to the section in the chime card pay anyone. He told me his supervisor would help me I did what he asked.Then the call dropped, I waited but he did not call back, at which I called Chime and proceeded to tell them I had a call with the fraud department and then they said they did not have a department for that. I checked my accounts and all my money was gone, XXXX balance. I filed XXXX disputes which were done in about XXXX hours. I asked them to send me the paperwork on how they came to the decision and they said it would be emailed to me in XXXX days. This is not accessible way to do business.
Product: Debt collection

Recently I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate and questionable items that your agency didn't make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U. S. code 1681e ( b ) and 15 U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Credit reporting or other personal consumer reports

As a federally protected consumer according to the laws of the United States. I am writing to you in response of your Experian 's willfulness of not complying to the law. I am now opting out any and all consent or authorization I the consumer given to your company written unwritten verbal, and non verbal past or presence and continuously. 15 USC 6801 states that it is a policy of Congress that every financial institution has an affirmative and continuing obligation to respect the privacy of its consumer and to protect the security and confidentiality of the consumers.

The use and the sale of my personal information is against public policy. According to 15 USC 6802 I as the consumer have the right to opt out of reporting any and all personal information reported. Your company directly impacts this process by furnishing information without complying with the FCRA not have permissible purpose according to 15 U.S. Code 1681b - Permissible purposes of consumer reports. Your company hasn't yet fully complied with the FCRA and has acted negligent. Experian has not modified their reporting to be fully in compliance with the FCRA which would be all inquires and accounts deleted.