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

1-American express refuse to give me waive of interest rate becuase of covid they give it to some other customers, they giving me high interest rate that they call it apr very high.

2-i signed up for XXXX XXXX XXXX and it was like voice phone calls but it was like people cant hear me and i cant hear them i complained many times and decided after long months to cancel but i noticed that canceling the service and dispute and change the card twice not enough to stop this XXXX XXXX from taking fees on my credit card i even got emails from XXXX XXXX that they made sure this service is no longer charge me but yet all of this is not enough ( attached email from XXXX they cancelled me on XXXX and attached American express charging me for XXXX so for example they charge me XXXX XXXX and they refund me, yet they charged me on XXXX where each time i had to contact credit card American express and XXXX XXXX and im tired from these calls so this service make my minimum payment goes up to XXXX $ interest rate is XXXX $ where its double comparing to other credit cards American express use the lowest credit score service i dont use American express card they say they wont waive the interest rate because of covid becuase they see my spending, i dont spend money the spend that they point at my car insurance for six month which i paid it to American express credit card before i pay for the car insurance which both occurred on the same day.i thought this way i make American express happy that i used their credit card instead they put back the interest rate and refuse to remove it since XXXX where i didnt pay attention that they completely stop using the waive interest rate because of covid where as you know car insurance is mandatory not choice and it didnt raise the balance its like the balance stayed the same.but it created activity and plz tell them that its like i paid the car insurance cost immediately to American express where the balance stayed the same on my account
Product: Checking or savings account

This is a unique situation concerning the illegal release of my bank records/statements to a third party. 
On XX/XX/XXXX, I received three XXXX XXXXXXXX envelopes from my bank, Wells Fargo. 
The contents of each envelope had a subpoena in them issued from XXXX XXXX, Illinois. The subpoenas named a plaintiff : XXXX XXXX, Defendant : XXXX XXXXXXXX XXXX XXXXXXXX, XXXX. The subpoenas were sent to Wells Fargo from XXXX. XXXX XXXX. 
MY NAME WAS NOWHERE ON THE SUBPOENAS. 
I do not have any affiliation with the named defendant : XXXX XXXXXXXX XXXX XXXX, XXXX and was informed by a Detective that I made a complaint with that it is an address for a parking garage in Florida. I am a homeowner in Florida and the Plaintiff : XXXX XXXX lives in XXXX XXXX, Illinois. as does his corrupt Atty., XXXX XXXX. 
The third page that was with the subpoena did not have an official seal, court signature ; however, it was a typed request for three years of my banking statements from each account : 2 Business, LLC checking accounts, 1 personal checking account. 
This information was requested from my bank in XXXX and my banking records were sent to XXXX XXXXXXXX XXXX in XXXX. 
Again, I was not notified until XXXX by Wells Fargo that they sent out my banking statements. 
I have a restraining order against Plaintiff : XXXX XXXX who now has all my information. 
I have called Wells Fargo many times, went into the bank to speak with a manager. At no time are they cooperating with me regrading my complaint. 
Wells Fargo did not contact me regarding this fraudulent subpoena. I have called a dozen of times to speak with XXXX XXXX of the Summons and Subpoena Dept in Wells Fargo and, I am unable to contact her or get a return call within 48 hrs. of my complaint. 
XXXX XXXX is repetitive felon, his XXXX XXXXXXXX XXXX lost his license to practice law for two years in XXXX for corruption in XXXX XXXX, Illinois court system. 
These are the two Criminals that Wells Fargo release my banking information to. 
Wells Fargo did not protect the Privacy, Security, Integrity of my bank accounts and need to be held liable. 

* The envelope with the subpoenas came from Wells Fargo Summons and Subpoena Dept. XXXX XXXX XXXX XXXX, AZ XXXXXXXX XXXX XXXXXXXX XXXX XXXX, Operations Manager I was informed by Wells Fargo XXXX XXXX from this department handled my case. 
Bank Reference # XXXX XXXX XXXX, Illinois XXXX XXXXXXXX XXXX XXXX Case No. XXXX XXXX ( see subpoenas attached )
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada, XXXX XXXX XXXX XX/XX/year> Experian, Transunion, Equifax Re : Dispute of Liability for Negligence and Noncompliance under Section 1681o Dear CFPB, I hope this letter finds you well. I am writing to formally dispute the claim asserting that I am liable under Section 1681o for negligence and noncompliance in relation to the Fair Credit Reporting Act ( FCRA ). I believe that this accusation is unfounded, and I would like to address the matter promptly.

Section 1681o of the FCRA outlines civil liability for negligent noncompliance with the Act. However, based on my review of the relevant facts, I contend the following : No Negligence : I have acted diligently and in good faith in all interactions relevant to this issue. I have complied with my obligations under the FCRA and have ensured that all actions taken are within the prescribed guidelines. Any discrepancies or issues that may have arisen were neither intentional nor due to negligence on my part.

Compliance Efforts : I have consistently adhered to all required protocols, including the timely submission of any necessary documentation and ensuring that my conduct does not violate any provisions of the FCRA. If any noncompliance is cited, I request clear and specific details, including any supporting evidence that suggests I have failed to meet my obligations.

Request for Evidence : To properly address this dispute, I respectfully request that you provide any and all documentation that substantiates the claim of negligence or noncompliance under Section 1681o. This includes any evidence showing that I have failed to meet the requirements set forth under the FCRA.

Resolution : I am confident that once a thorough review is conducted, any claims of negligence or noncompliance will be shown to be baseless. I ask that you resolve this matter in a timely and fair manner, and I am prepared to cooperate fully to ensure that any misunderstandings are cleared up.

I trust this matter will be resolved quickly and fairly. Please respond within the next [ specify time frame, e.g., 30 days ] with your findings or any additional steps I may need to take. Should you require any further information, do not hesitate to contact me at [ phone number ] or [ email address ].

Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This complaint is regarding Experian. They randomly dropped our credit score today by XXXX points even though we continue to pay down our debt. We have not applied for additional credit. This continues to occur. Yet, it takes months to gain the lost ground in points. They may add a few points at a time. When you call the XXXX number, they say it is only for limited questions. When you use Chat on the website, they say call the XXXX number. A complete circle of avoidance. 

Yet, they continue to send emails saying we qualify for new credit cards due to our credit rating. It appears to be all about their marketing schemes to get consumers to log in to their website. We log in to see what happened to the score... only to find more advertisements and NO concrete reason as to why credit dropped. The website CHAT did say our debt was lower but could not answer as to why score dropped XXXX XXXX 

THis company is very HARMFUL to consumers due to lack of transparency, customer service avoidance and continual push for consumers to take on more credit. 

How do they continually get away with this?
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off a collection account for a credit card I had with XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. I got they sold the collection account to XXXX XXXX  and XXXX XXXX  I paid XXXX in XX/XX/XXXX with an agreement that this account would be deleted from credit report within 30 days. XXXX no longer reports this account on my credit but XXXX  does even tho it was a pay for deletionXXXX Aldo keeps changing the charge off date of this account. It currently says it was charged off in XX/XX/XXXX even tho it was paid in XXXX of XXXX
Product: Debt collection

During the times of the hospital visits, I had health insurance and full health coverage from the Department of Veteran Affairs. I went to the hospital and now they refuse to accept the insurance. 

The collections are : Kings Credit Services Original Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX. XXXX, Amount {$1300.00} 2. XXXX, Amount {$130.00} 3. XXXX, Amount {$450.00} Original Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX 1. XXXX, Amount {$80.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

sent a dispute to XXXX XXXX XXXX XXXX and it was returned back to me. The attempted to deliver it but was unable to forward it to the company. Address was not known
Product: Credit reporting or other personal consumer reports

Transunion is in violation of FCRAs law 15 usc 1681s-2 ) XXXX XXXX this inaccurate information has been removed please see attachment
Product: Student loan

On XX/XX/2019, XXXX XXXX erroneously charged me and withdrew an additional {$1200.00} from my checking account in excess of my due monthly installment schedule payment of {$220.00}. 

On XX/XX/2019 I received two separate electronic letters from XXXX XXXX, stating that my annual recertification for the federal REPAYE payment plan would be due within 10 days of XX/XX/2019. The federal REPAYE monthly installment schedule currently legally caps my monthly payments at {$220.00}. The letters XXXX sent to me on XX/XX/2019 stated that if I did not submit the completed REPAYE recertification documents within 10 days of XX/XX/2019, then my monthly payments due beginning on XX/XX/2019 would increase to {$1200.00} and {$270.00} for a total monthly payment due of {$1500.00}. 

On XX/XX/2019, XXXX XXXX erroneously changed my monthly payment to {$1500.00} in violation of the REPAYE recertification deadlines. On XX/XX/2019, XXXX XXXX   then erroneously charged me and withdrew {$1500.00} from my checking account. As today is XX/XX/2019 and the REPAYE re-certification deadline of ten days beyond XX/XX/2019 has not passed and it is clearly not yet XX/XX/2019, which was the date XXXX XXXX  stated the monthly payment might be increased, XXXX XXXX  had no legal right to increase my XXXX monthly payment to {$1500.00}. My legal REPAYE monthly installment schedule payment that I owe XXXX XXXX   remains {$220.00}. 

I expect XXXX Servicing to issue me a full refund of {$1200.00} to my checking account to address their billing and direct deposit error.
Product: Credit reporting or other personal consumer reports

Someone stole my identity and applied for credit cards and a personal loan under my name and now it all in my credit report but I never had any of these accounts
Product: Student loan

I received a call today from Delta Management Associates regarding a defaulted student loan. I asked why I was getting a call when the CARES act suspended all collections on federal student loans. I was told my loans were not included in the CARES act and collections will continue. 

I was called from XXXX and spoke with a man at approximately XXXX central standard time.
Product: Credit card or prepaid card

I was a victim of identity theft and the credit card company keeps denying my dispute simply because the scammer was able to hack my email and obtain a fake ID with my name on it. The initial fraudulent charge occurred via online transaction ( for in-store pickup ) on XX/XX/XXXX in the amount of {$1500.00}. This was reported to my credit card company. A temporary refund was received on XX/XX/XXXX as an investigation was launched. However, we were notified that this was reversed via email on XX/XX/XXXX. 

The merchant 's invoice receipt indicates the online order was selected for in-store pickup at a store in a city 2 hours away from where I reside. The individual picking up the order had a fake ID that had my name on it. A police report was filed in city of residence, which was then forwarded to the police department that the crime occurred as it was in a different jurisdiction ( the report was provided to the credit card company ). Additionally, the pickup receipt indicates the order was picked up on Monday, XX/XX/XXXX at XXXXXXXX XXXX. At that time, I was at work and there is no possibility of this ( I provided the credit card company with a written statement from my supervisor to back this up also ). This is a clear indication of identity theft ( police report and statement from supervisor proving it could not have been me ). As an XXXX XXXX military service member, I would need prior written approval to be absent during work hours, which did not happen. 

I was contacted by the police department that the crime occurred in and notified that that they are unable to obtain surveillance footage from the merchant, as they do not keep footage more than 60 days old. By the time we received the dispute outcome on XX/XX/XXXX, it had already exceeded this time frame and the police department was not able to assist me. 

Fast forward six months later ( XX/XX/XXXX ), I have re-opened the dispute a total of 3 times now. They keep rejecting my evidence/dispute without providing an explanation. The supporting evidence clearly shows that I did not make or pickup up the purchase but they are not helping me resolve the matter.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  ( XXXX XXXX ) Account # XXXX XXXX XXXX XXXX The consumer reporting agency that is reporting this account has violated my rights. 

I looked at my Equifax credit report on XX/XX/year>, after I received an alert regarding an account that was being reported, XXXX XXXX. Upon further review, I noticed some of the information on this account is incomplete and inaccurate. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

Additionally, according to 15 USC 1681 5 the consumer reporting agency is supposed to do this in reference to ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Also, according to 15 USC 1681s-2 the consumer reporting agency is not supposed to 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.

The information on this account is inaccurate and I am requesting for it to be removed from my credit report according to the laws of the Fair Credit Reporting Act.
Product: Debt collection

I am guessing that this account was sent to McCarthy, Burgess & Wolff under false pretenses, I will not pay this bill until XXXX XXXX XXXX AKA XXXX. XXXX send someone out to fix the wiring that their electrician messed up. I was going to pay for myself up front until they began to be rude, tell me how long I have and who I need to get to fix it. I had XXXX and that didn't matter t them, so now they can send someone out to fix the problem or I will have my landlord start the process of suing them. I refuse to spend my money up front and wait until they feel like paying me back.
Product: Mortgage

I have a complaint against Wells Fargo relating to the refinancing of a mortgage loan that I have with them. I requested a XXXX Loan and they told me that I was not eligible for it, even though I was never late with my payments, had a XXXX Loan and the property was worth less than the loan. 
They processed my loan as a conventional loan, had me pay for an appraisal and then said that they would offer the loan if I would bring a large sum of money to the closing.. 
I believe that they were unethical in their dealings with me, because while they would not have known to value of the property, to assume that its value would have increased in the last 10 years enough to make us invalid for XXXX would not make sense, even to an lay person.
Product: Credit reporting or other personal consumer reports

Credit was pulled by Factual Data without any consent whatsoever. It was a hard inquiry. Now mortgage companies are calling to sell me mortgages. Need to dispute this as no authorization was given
Product: Credit card or prepaid card

I was issued a prepaid mastercard card, but it did not work at many vendors, and when I tried to successfully use it, the card expired and there was no way to receive the remaining balance. This is like receiving a coupon that expires, not cash. My understanding is that it was illegal to make fund inaccessible from a prepaid credit card. Blackhawk Network will not return the money. I would consider this a scam.
Product: Credit reporting or other personal consumer reports

Improper use of my credit report. XX/XX/XXXX and XX/XX/XXXX these XXXX collections were added to my credit report. They have been reported improper information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file. My credit report showed credit inquiries that I don't recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file. Please remove this inquiry from my credit report. 
XXXX XXXX : XX/XX/2018
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XX/XX/XXXXXXXX Balance : {$0.00} XX/XX/XXXXXXXX Balance : {$0.00} XX/XX/XXXX XX/XX/XXXXXXXX ( Original Creditor : XX/XX/XXXX XX/XX/XXXXXXXX ) XXXX XXXX XXXX {$1800.00} XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Debt collection

Obtained call from debt collector about wives defaulted debt asked to stop calling and they called 15 minutes later from another number
Product: Credit card

Subject : Credit Reporting Error Dispute Account Discharged in Bankruptcy To Whom It May Concern, I am writing to formally dispute the reporting of account number XXXX which is currently being inaccurately reported in my credit profile. 

According to my records and the final ruling of the U.S. Bankruptcy Court, this account was included in a XXXX  XXXX bankruptcy discharge that was finalized on [ Date of Discharge ]. This account should be reported with a status of " Discharged in Bankruptcy '' and a balance of {$0.00}, as per the discharge documentation. 

However, the current credit report shows : Reported Information : No Data Correct Status Required : Discharged in Bankruptcy I respectfully request that Discover Bank investigate this matter and correct the reporting of this account to reflect its true legal status as discharged in bankruptcy. I have attached copies of my bankruptcy discharge documentation, including the relevant schedule of debts and the discharge decree from the court, for your reference and verification. 

Please update the account status in your records and ensure that this correction is also communicated to all credit reporting agencies to which you report. 

I appreciate your prompt attention to this matter and request a written confirmation of the receipt of this letter, as well as an update following your investigation. 

Thank you for your cooperation. 

Sincerely,
Product: Bank account or service

At TD Bank I cancelled my debit card since there were unauthorized charges, after the card was cancelled the bank allowed charges to be taken from my account. I went to the bank to close my account and the bank personnel said do not close the account just cancel the card so I did. They refuse to dispute the claim stating that the charge was valid without any documentation. THIS WAS AN UNAUTHORIZED CHARGE THAT THEY REFUSE TO DISPUTE IT
Product: Mortgage

My husband and I closed on a refinance on XX/XX/year>. Our title company wired the payoff amount of {$200000.00} to PHH Mortgage as instructed, and was the exact amount listed in the payoff quote that was valid until XX/XX/XXXX. On XX/XX/XXXX, PHH emailed me and said they could not apply the wire because there was an escrow shortage, and quoted me the amount of {$1500.00}, which did not match the escrow advance on the account of {$1400.00}. PHH demanded I wire that amount the following day. At no time prior to this email did they attempt to contact me or the title company. 

PHH had allegedly sent the property taxes due to XXXX XXXX on the XXXX. I received notice of this disbursement just after midnight on XX/XX/XXXX, less than 24 hours after I received a payoff quote from PHH. At best, this is a disingenuous practice. The shortage listed on my account was {$1400.00}. The title company and I both assumed they would contact the title company regarding the escrow shortage to XXXX it out, which they never did. Instead I was contacted by email with a demand that I pay more, with a per diem assessment, to XXXX  out the escrow account. During this time, they retained possession of the wired funds and never applied it, accruing additional amounts on the principal amount. 

Today, XX/XX/year>, the title company notified me that PHH had returned the funds, a full two weeks later. The title company also informed me that XXXX XXXX processed the title company 's payment of property taxes, not PHH 's alleged disbursement. PHH has mismanaged this payoff in epically poor ways, and insists that they should be paid for this mismanagement. The title company is re-wiring the funds in the original payoff quote to PHH today. The escrow account should be returned to the balance it had, which was {$510.00}. This should be reimbursed to me as an overage to XXXX  out the account. PHH should not be entitled to any per diem charges for their " mistakes ''.
Product: Vehicle loan or lease

I have a used car loan with Santander where I make a monthly payment of {$310.00}. I have recently gone through a financial hardship and have had a hard time making on time payments every month. 

I am looking to lower my monthly payment along with interest rate.