23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I was ( closed my bank accounts in XX/XX/XXXX ) a Wells Fargo customer for over 20+ years. I applied for a {$10000.00} home equity loan over a year ago and was declined, however they said I was already approved for a {$10000.00} credit card. I took the credit card with zero interest for one year. They upped my credit limit to {$13000.00}, and then to {$16000.00} without me asking for increases. I now have a {$13000.00} balance at 27 % interest and tried to pay down the balance with my bank account. I made a {$10000.00} electronic payment on XX/XX/XXXX and received a confirmation letter from Wells Fargo ( via mail ) and my bank account has been reduced. On XX/XX/XXXX I requested my credit limit be reduced to {$5000.00} ( I have a {$3000.00} balance ) and I asked to have the reduced credit limit reported to the credit bureaus. I was told I had to wait 3 days for the payment to clear before I could reduce my credit limit. Today is XX/XX/XXXX and I called today to request my credit limit to be reduced, and I was told my payment had not cleared and again I could not reduce my credit limit. I am fed up with the inappropriate banking practices of Well Fargo. I want my credit limit reduced to {$5000.00}, and I want my interest rate to be reduced to around 11 % ( like my other cc account ), and I want all of this immediately reported to the credit bureaus. Not too much to ask!!! Wells Fargo needs to be closed by the govt and all executive officers punished, not just in XXXX, XXXX XXXX 
XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accounts and inquiries listed on my consumer credit report, referenced below, which I believe are the result of a data breach, fraud, or unauthorized activity. I request verifiable proof bearing my signature or electronic signature for these actions. This letter is being sent directly by me, not through a third party, and I kindly ask that you review it thoroughly. 

These actions were not authorized by me and constitute a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B Blocking information resulting from a data breach or fraud [ 15 U.S.C. 1681c-2 ] and Section 604 Permissible purposes of consumer reports [ 15 U.S.C. 1681b ].

Upon contacting the companies involved, I found that these actions were initiated without proper validation or original proof from any of the reporting entities. As such, the accounts and inquiries in question are inaccurate and stem from either a data breach or the unlawful reporting of my consumer information by creditors or third-party data furnishers.
Product: Credit reporting or other personal consumer reports

XXXX/Department of Education Student Loan information is incorrect on my Consumer Reports for XXXX and Equifax, per Copy B of the 1099-C Cancellation of Debt that has been provided to me by XXXX XXXX XXXX XXXX I do not owe a debt.
Product: Credit reporting or other personal consumer reports

The company sent me an email stating I had to make a payment by XX/XX/XXXX in order to prevent my loan from being all due at once. Not only had a made a payment XX/XX/XXXX, I scheduled this payment on XX/XX/XXXX for XX/XX/XXXX, the default date on the website. 

When the company updated their credit reporting for XXXX, they stayed I was XXXX days past due. This was not correct as the furthest due date had been satisfied and no other payment went XXXX days. When I reached out regarding this, they ignored my emails over and over, which is ironic because they violated a cease and desist over and over before that in order to contact me. When i contacted XXXX to submit a dispute, they updated my credit report to include FUTHER misinformation by stating the account was in collections in XXXX, which it obviously was not if they were demanding payment for XXXX. They are incredibly vindictive and predatory. 

Not to mention I had moved to XXXX  and they had continued to allow me to use their service for a year even though it was not legal in our state.
Product: Mortgage

I inherited the property in XXXX of last year, my mortgage company is planet home lending and I've complied with every single thing they have asked for during this difficult time of losing a family member along with their income, I offered to pay the mortgage payments until the house was in my name, the company refused on XX/XX/XXXX, I have the email, they consistently keep losing documents I've turned in multiple times, when my aunt passed it was in a forbearance bc she had XXXX XXXX in XX/XX/XXXX, she passed XX/XX/XXXX, so we got that but before she passed she was approved for a loan modification but passed before signing it all, I do have a real estate attorney and have done everything by the book, but they have decided to foreclose, ive applied for indiana homeowners assistance fund, and it is pending. I also have a bankruptcy attorney call tomorrow at noon, I have no where to go, there are 3 of us here and all of us are on XXXX or retirement, me, my mom and my son. I am making this complaint bc they are not doing their part by either not receiving documents or only partially receiving them even though ive uploaded the documents multiple times and I have all the emails to prove it. I'm being thrown under the bus here, I did nothing wrong and yet my home is being taken away. I need help asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've disputed multiple inquiries with  Equifax r egarding   XXXX   XXXX   from  XXXX   XXXX ,  XXXX  and  XXXX   XXXX ,  XXXX  on  XXXX   XXXX ,  XXXX  as well as on  XXXX   XXXX ,  XXXX  as   XXXX   XXXX  . Each time I 've disputed with Equifax, the response came back the same saying that they were in fact authorized inquiries. When I requested proof from the companies myself, I received letters verifying that they in fact had no record of my authorization to pull my credit and agreed to have them removed. To date, no change has been made even after I 've requested Equifax verify over and over.      XXXX   XXXX  only has contact through mail listed. I mailed a letter asking for verification to the address that was listed on the inquiry to have the letter returned back showing the address listed is in fact not a valid address. How is that physically possible without being fraudulent???     The system they are using is providing false information and they are not actually doing their due diligence and protecting consumers.
Product: Debt collection

I received a letter regarding Greensky program settlement Administrator stating I was not to receive any monetary for this class action lawsuit. I believe I was a victim a solar panel that I purchased in approximately 2016. Greensky foundations  never issued my {$5500.00} rebate that I was suppose to receive from the electric company due to a solar panel installation rebate amount. 


The reference number stating I will be able to participate in the settlement when I should have. I ask that this claim be look into. 


Greensky settlement  claimant ID : XXXX
Product: Checking or savings account

I reported my chime checking account I used without any authorization within 48 hours of it being used and stolen. It was abused from the chime app on my phone I reported my phone stolen I reported that the XXXX I reported my phone had been stolen to chime and I reported the fact that my driver 's license was stolen so do not accept any changes to the account because there had been a bunch of fraudulent charges. These have been done through the chime application through people like uber many times. They also used it on cash app which they took {$320.00} out several other transactions were sent to somebody called XXXX XXXX. Now my phone had been stolen and that is where I do all my transactions and chime do that so I wasn't able to contact them back all the time since I did not have my phone or access to my email and I had called them using a borrowed phone. They continue to let people use my account they charged money also to XXXX eats for significant amounts. They kept asking for me to point out what transactions were fraudulent I said every transaction after XXXX XXXX. on XX/XX/XXXX with the exception of XXXX {$100.00} ATM which was me taking money out from the credit builder account. My wallet was gotten into and left they took only my XXXX XXXX credit card my driver 's license and I suppose copy the numbers off the debit card. But they didn't need that cuz they have the app which has the number on it. They went as far as letting the thief change my address, my email associated with the account and all that after I had told them that they had gotten in my driver 's license to not let and allow any changes. So I was a lame duck they had my telephone where verification they would call the number and they had my driver 's license they changed my address I called back and I told them to verify the address they told me that wasn't the one on file I told him the new one they changed it and they went back in and changed it again. I told him I needed access to my social security money I was XXXX XXXX XXXX and that was all the money I had they ignored me and they just put me on hold every time. Fast forward to XXXX my new social security check came in and they allowed him to take money out of my checking account again {$600.00} out of the same account that I had reported fraud several times and I reported the wrong address had been put on there and it just completely ignored me. I need my money. The fraudulent charges in XXXX are over {$600.00} and they were very clear and I think about {$1000.00} I don't have it in front of me for XXXX. I need to have that money put in my account so I can use it immediately. I filed a complaint with the Federal trade commission for identity theft at the federal level. Since they had XXXX account that went into my XXXX account and hacked them and gave themselves access to my email and it wasn't until XX/XX/XXXX that I was able to recover it.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and Equifax has failed to block fraudulent information from my credit report despite receiving my documented request on XX/XX/year>. The fraudulent account ( XXXX XXXX, account number XXXX XXXXXXXX ) has caused my credit score to drop by nearly XXXX points. Using the template provided by the FTC, I provided Equifax with all the relevant information, including documentation such as a complete identity theft report ( FTC Report # XXXX ), a police report ( # XXXX ), copies of my identification, and a copy of FCRA 605B, which requires them to block the reporting of identity theft within XXXX business days. I have made every effort to cooperate and follow proper protocol, yet Equifax has not acknowledged or acted on my request, leaving me with damaging and untrue information on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the below have violated my rights 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  The Fair Credit Reporting ACT, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly Delete all information that is inaccurate, incomplete or which can not be verified.

According to the Fair Credit Reporting Act, 15 U.S. Code 1681o - Civil liability for negligent noncompliance, Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

According to the Fair Credit Reporting Act, 15 U.S. Code 1681e Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.

According to the Fair Credit Reporting Act, 15 U.S. Code 1681n Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.

It is also my understanding that Under the FCRA 15 U.S.C 168i, every single one even each any or all the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety, or the alleged accounts are to be completely deleted.
Product: Vehicle loan or lease

On Tuesday XX/XX/XXXX I applied with XXXX for a Lease buyout of my current vehicle. I was presented with 4 offers from different loan servicing companies. One of which was Autopay. Autopay showed the lowest rate upfront among their competition and upon further review of their offers there was an even better rate at a different term. The rates ranged as follows : Lease Buy Out Offer From : AUTOPAY Maximum Amount {$33000.00} APR 3.49 % Months* 24 Maximum Payment* {$1500.00} ADDITIONAL LOAN OPTIONS FROM AUTOPAY 3.49 % @ 36 months {$1000.00} 2.99 % @ 54 months {$710.00} 2.99 % @ 66 months {$590.00} Additional Stipulations, Terms and Conditions Check for year, make and model restrictions Check for mileage and loan-to-value restrictions Valid drivers license Proof of insurance Proof of residence Proof of income On Tuesday XX/XX/XXXX I was contact by Autopay to collect additional information to finalize the loan process. That included confirmation of the information provided during the original application and reviewing to confirm the vehicle details. 

On Thursday XX/XX/XXXX I was contacted by XXXX XXXX at Autpay. She confirmed my details and shared that I had been approved. She confirmed my credit was fantastic and income was well above what was needed. She shared with me that their preferred bank XXXX, I believe, came back at a rate of 5.3 %. That is > a 200 basis point increase from the original offer in a mere 72 hours. 

I shared my displeasure with XXXX at that time and told her this was unacceptable. I then contacted XXXX to share this incident with them. I spoke with them on Friday XX/XX/XXXX. They asked for a 48 hours to try and reach out to Autopay to understand what was going on. 

XXXX as manger from Autopay contacted me on XX/XX/19 as I informed them I was unsatisfied with their tactics and wanted to get them an opportunity to resolve before I submitted a CFPB complain. He reviewed my file and acknowledged that I have a near perfect credit score and they vehicle value far exceeds the requested loan amount. He confirmed that per the terms and conditions there was nothing that changed to rationalize a > 200BP rate change in 72 hours. He openly acknowledge that they advertise rates that may not be able to be honored. this is a blatant bait and switch tactic. They showed a lower rate than their competition with no intention to honor that rate. He simply stated that they are at the liberty of their lenders and that is what the final rate came back at.

I have additional email documentation on the dates if necessary. Also all calls were on a recoded line by Autopay. If you were to ask for the call logs you will hear for yourselves the same things I heard.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in letters over 65 days ago to this bureau but have not seen indication of my dispute on my report.
Product: Credit card

I made a downpayment on a car for my daughter over the phone for {$1100.00}. I faxed the credit card number to the merchantd asking that it be put on my card. The credit card company put it thru as a cash advance and charged me {$50.00} fee plus {$17.00} in interest. I contacted them and told them that I did not authorize it as a cash advance. I have plenty of cash and would never take out a cash advance for anything!. They said that the merchant put it thru as a cash advance and that they could not reverse the fees. I told them this was an unauthorized charge and that I would not pay the fee and that they could close my account. They refused to credit me the unauthorized amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously I have ask the credit reporting agency, to correct the hard inquiries that on my credit report and that I have not authorized and done without my knowledge.

all credit bureau has ignored my request and complaint, they have not address my concerns or corrected same.

These company has again monetary benefits for reporting and selling my poor credit report and there refusal is in violation to th

e Federal Law and State Law. Therefore I request that all hard inquiries be removed.
Product: Credit reporting or other personal consumer reports

I claimed bankruptcy in XXXX  after claiming bankruptcy. I contacted all the creditors to let them know about this most of them agreed to update my payment status on all my accounts to Current and that has not been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit report act XXXX XXXX XXXX  Capitol oneXXXX XXXX XXXX XXXX credit card has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purposes.
Product: Vehicle loan or lease

Ticket # XXXX XXXX XXXX XXXX TN I have an auto loan with your company. I make weekly payments on line. The payments are going toward the principal not the entire loan balance. I was charged late fees and sent a past due letter. I was advised I will have to call every month to charge how the weekly payments are made. I was advised that there was no way to change this unless I called each month for the next 5 years. I was on the phone for 2 hours trying to correct the bank 's mistake. I'm VERY UNHAPPY with your company and the way my loan is being handled by people I can not understand.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the accuracy of an account reporting on Experian Consumer Report beginning XX/XX/2020 until present and Experian will not update or remove the inaccurate information which is causing me unnecessary financial hardships by the way of higher interest rates. I have called and submitted proof that what Experian is reporting is inaccurate with no positive results or removal from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ok sent a request certified mail asking for method of verification on 3 accounts. I also challenged the XXXX XXXX compliance. I received one letter stating that they will not investigate the account again and another paper with a incorrect update report.They have not provided me with the proper documentation I asked for and as a consumer experian is taking away my rights to challenge these incorrect accounts.
Product: Credit card

I disputed a transaction for XXXX from XXXX in XXXX back in XXXX of XXXX and never received a request to submit additional information or a decision in the mail. I dont know what the charge was for and returned the rental car in the same condition that I received it. There is no damage visible on the return pictures provided. 

The representative that I spoke to when I initially submitted the dispute told me to be on the lookout for requests to submit additional information and to be sure to respond to such requests. I never received a request for additional info. I called on XX/XX/XXXX, and a representative told me that they issued a decision back in XXXX. I never received anything in the mail and explained that I dont have trouble receiving mail where I live. I asked how I could escalate the fact that I am not receiving mail correspondence from them to which the representative said that I can ask for updates with their app chat function. I would have appreciated the opportunity to submit a statement and pictures of the condition of the vehicle upon return. The representative that I spoke with on XX/XX/XXXX said that she reopened the case for me. Additionally, after I filed a complaint with the CFPB, the company responded that they sent the documentation that I provided over to their dispute resolution team. However, when I called back on XX/XX/XXXX, I was told that on XXXX, I was sent a letter in the mail stating that my case could not be reopened because 60 days had passed. Again, I have not received ANY correspondence from Comenity via mail and it is very unlikely that the mail courier is the issue when I dont have problems receiving mail from any other credit card company. 

I called again on XX/XX/XXXX because I have not received ANY mail correspondence. Ive verified that my address is correct at least 3 times. No one is taking this seriously. The customer service representative let me know that my dispute could not be reopened because it was past 60 days. My argument is that I was not given the opportunity to respond to the initial dispute because I am not receiving mail from Comenity and still havent received one piece of mail til this day. Again, I have no problem receiving mail from ANY other company.
Product: Debt collection

I negotiated settlement options with the Law Office of Crystal for a default judgment they were awarded for failure to appear. I was required to send in proof of my debt with the IRS, my monthly mortgage statement to show a {$400.00} increase in obligation as a result of insurance, the debt letter for another law office I am already ( barely ) making {$500.00} payments to, the additional insurance payments I was making for my property, along with my proposals for voluntary resolution. These documents were found to substantiate my financial hardship by the client that they represent and approved the options for repayment. It was after my email asking how to make payments that I lost their contact information. Instead of picking up the phone and calling someone that they know was trying to resolve this matter amicably they issued a garnishment to my checking account. ( please be advised that they had previously attempted to garnish this account and rendered {$0.00} after review by my bank because I am NOT hiding money ). Having all of this information they still processed a garnishment of {$310.00} ( minus an additional {$100.00} in legal fees enforced by my bank to review my account ). This account is generally in a negative balance however I had XXXX checks outstanding totaling {$410.00}. 
Besides the fact that I think the laws need to be changed as far as a bank levy is enforced ( with a garnishment of wages you can only take a percentage, a levy takes everything you have which is outrageous for a non-IRS defaulted debt ). I feel that this attorney knowingly and voluntarily inflicted an undue burden and hardship willfully without making any other reasonable effort to contact me ( a.k.a phone call which was provided to her when I contacted her initially ). She has been provided all requested documents to substantiate that. 

Their information is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX Physical address XXXX XXXX XXXX XXXX TN XXXX Phone # XXXX XXXX XXXX Fax # XXXX