23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

WellsFargo gouges their consumers by playing fast and loose with the dates when they close credit card billing cycles : they close the billing cycle earlier than they are supposed to thus not applying payments made on the last day of the business cycle towards the outstanding balance and therefore calculating higher monthly payments than they would otherwise have calculated had they closed the billing cycle on the day when they were supposed to. This gouges the customer twice : first, it calculates the minimum payment on the basis of a higher balance ; second, because they 've already calculated a minimum amount due the following month before the current billing cycle actually closed, they take the payment made on the last day of the billing cycle and apply it first towards paying this higher, fraudulently calculated payment, and only apply the remainder towards the balance. In addition, they never actually communicate when the billing cycles end to customers until after the fact. I had to call them and ask them to give me the last dates when I could make payments on my account. According to those days I should still have been able to apply a payment I made today towards the balance on my account but lo and behold, when I went online to make that payment ( I had planned to pay down {$1800.00} ) they had already calculated my minimum payment due next month. I called them about it again and now they are telling me that the business cycle ends not at midnight on the dates they had given me before but at XXXX am the day before. ( What?!?!?!? ). 
This has happened repeatedly with Wells Fargo, which is why I decided to call them and find out from them when exactly I could make my payments. They calculate interest on average on {$2000.00} more each month than they should, thereby costing me $ XXXX/month.
Product: Credit reporting or other personal consumer reports

I am unaware of this charge-off. I did not have the opportunity to dispute this charge-off. I did not receive proper notification. If in fact you believe I received proper notification, please provide the certified mail with the receipt and my signature, stating that I received it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that one specific account on my credit report was incorrect when I reviewed it. It is not permissible to fail to validate this reporting account as unverified information without providing proof. 

Please validate this account : XXXX XXXX  XXXX Balance : {$21000.00} I already sent the necessary file in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, so please verify this account.
Product: Consumer Loan

About a month ago, I received a letter from PayPal stating that someone attempted to open up an account in my name, When I called to speak to someone at PayPal, they stated that someone attempted to open a XXXX account in my name, applied for a PayPal line of credit ( I already have one ), and they turned it down because they could not authenticate my identity. Specifically, I have credit freezes on my bureaus which does n't allow for an underwriter to open a line of credit in a consumer 's name. After talking to several representatives, they stated they would close the fraudulent account opened in my name and flagged the PayPal credit application as identity theft. 

A few weeks later, I attempted to make a purchase on my PayPal line of credit through eBay, a purchase of about {$100.00}. They denied the purchase which confused me. A few days later, I received a letter in the mail stating they needed to authenticate my identity. So I called them, verified all the needed information, and the representative stated I would receive a letter in the mail in a few days regarding the account. During the conversation, I told him this account had nothing to do with the other account that someone had attempted to open in my name, and I was confused as to why I was being put through this process again. When I received the letter, they stated they closed the account due to fraudulent activity which is bogus. No fraudulent activity has ever occurred on this account ; rather, it was only on the XXXX account someone else attempted to open in my name. Moreover, I believe PayPal really closed the account because I had also reported them for improper billing, specifically charging me more on eBay purchases than what was advertised. They have stated they were shipping charges, but this is incorrect and a blatant lie. I have records from eBay showing there were no shipping charges on these purchases. eBay always itemizes shipping charges when the seller charges for them. 

Because it is impossible to get account resolution through PayPal 's customer service, I contacted the company through XXXX 's social media messaging about the ongoing problems. I told the representative, XXXX, how dissatisfied I was with PayPal and that I was considering reporting the company to the Attorney General 's office, the Consumer Financial Protection Bureau, and the XXXX. I also stated I would not use my PayPal account in the future, even though only the line of credit had been closed, because I was so dissatisfied with their service. XXXX 's response was flippant ; he advised me to go ahead and report them, an extremely poor response to a major customer service issue. I have made a screen print of his response for the XXXX ' records. 

Besides your organization, I have also reported this to the XXXX, the Attorney General of XXXX, the Attorney General of XXXX, and the FTC. Please contact me if you have any additional questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the Fair Credit Reporting Act, Metro 2 Compliance Guidelines, Credit Reporting Resource Guidelines.

Credit Reporting Resource Guidelines. States : The FRCA states that companies which furnish data to the consumer reporting agencies have a responsibility to provide accurate information, to update and correct information. SEE PAGE 7-3 Under the Fair Credit Reporting Act, Metro 2 Compliance Guidelines, Credit Reporting Resource Guidelines : All account numbers should be reporting the same. XXXX and Experian are reporting late payments in XX/XX/2021.
Product: Credit reporting or other personal consumer reports

Presence of those unauthorized accounts and enquiries made me feel very anxious about my financial health. The credit report needs to be accurate because it tell the world of lenders what we have done with our money management. I, therefore, ask that an immediate investigation and removal of the following inaccuracies and unauthorized accounts/inquiries be done immediately : 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 XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The 3 Bureaus Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The 3 Bureaus have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to dispute the information on my credit report as provided under 15 U.S. Code 1681e. I never gave written consent for MIDLAND CREDIT MANAGEMENT INC XXXX and XXXX XXXX XXXX furnish my information or authorize the disclosure of my information. 

I kindly request that you investigate this matter and provide me with a detailed statement of how this information was obtained without my consent. If proof can't be provided I demand this account be removed from my credit profile. I expect a response and resolution to this issue. Thank you! I have included a screenshot inside this complaint on MIDLAND CREDIT MANAGEMENT INC XX/XX/year> and XXXX XX/XX/year>. Please see screenshot attached : Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I questions as a duplicate report during the reporting in XXXX In XX/XX/XXXX I am showing that XXXX updated the account to reflect a past due that was XXXX they updated to XXXX past due. XXXX has not owned the loan since XXXX I would like to get this deleted from all agencies. This account is XXXX and closed and it has been 6 years since they have owned the account and the reporting has not been correct and the disputes are not corrected
Product: Credit card

I have noticed that a number of credit card statements use a very small font. I 'd guess XXXX pt or less while others use a much larger font - XXXX of XXXX pt. On at least XXXX occassion I have misread XXXX of the small font payment stubs where the day was printed as a " XXXX '' but I misread it as a " XXXX ''. I do n't need glasses in the normal course of my activities but have have bought reading glasses jus so I can read these statements. 

While there maybe other companies using the smaller fonts, FIA Card Services and XXXX XXXX XXXX XXXX are XXXX companies which user a smaller font. The payment coupons do not have a space issue that would require the use of these small fonts so I suspect these fonts are used intentionally in the hopes the consumer will misread them an permit the company to charge a fee for submitting an incorrect amount or missing the due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report.
Product: Checking or savings account

I am a XXXX XXXX XXXX who on XX/XX/2022 had my pin and card stolen I within 14 minuets of card stolen i notified chase bank to close debit card. Within 14 min XXXX was stolen from my bank account from a chase atm machine at XXXX XXXX branch in XXXX XXXX ny XXXX I filed a police report that day and police went with me to branch to notify what happened. XXXX XXXX from that branch filed the claim to get the funds returned to my account on XX/XX/XXXX the funds were returned. Then without any notification to me on XX/XX/2022 that credit i received from the stolen funds for my account of XXXX was reversed. Their reason after weeks of tring to obtain that was that the debit card without error was used by pin number. The theives stole the pin and the card. There are many violations Chase has committed. Most serious is they do not consider a police report in their examination or the fact i have had an account with chase since the XXXX and never had a claim. They then after weeks of going back and forth tell me to go to merchant to get my XXXX. The merchant did not take the unauthorized funds from my chase account Card and pin was stolen.. No where in their advertised description of a debit card does it state they will not honor a debit card, if it is stolen I notified and shut down debit card 14 min after it was stolen i also received a detail police report by nypd same day as theft and brought 2 detectives to branch to meet manager. If that is not enough then chas does not honor unauthorized withdrawal
Product: Credit card or prepaid card

I made a purchase at XXXX  XX/XX/XXXX For a deposit and insurance on a rental. It was taken from my chime prepaid credit builder Card that day. I spoke with a rep and she said she could see the original transaction and when they charged it again and could see where it wasnt credited back to my account. I was given my deposit back on the XX/XX/XXXX but XXXX  charged my card again with the same amount for XX/XX/XXXX. It was not authorized and resulted in a negative balance o my credit builder. I consulted chime and they said it displayed a positive balance since my check transferee and it took the negative balance out of my check. They said they saw no error and refused to give me my money back. Idk if they are rearranging transactions or what but theirs is no way I could have overspent on a secured credit card. I reached out to XXXX. I havent heard anything back from them. They have tried to authorize charges on my card a lot through out the duration of my rental even though they knew it was covered through an insurance company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting incorrect and damaging account info on my report. The fraudulent account : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TN, XXXX ; XXXX. XXXX alleges and Transunion is incorrectly reporting an account with a balance of {$690.00}, opened XX/XX/2018.
Product: Credit card or prepaid card

I have had a XXXX XXXX XXXX XXXX credit card since the late XX/XX/XXXX/early XX/XX/XXXX having originally received an APR rate of ( if I recall ) 6.99 % given my excellent credit rating & payment history. Over the years, this APR has  gradually increased to its present APR of 8.24 %. I received a mailed notice that, as of XX/XX/XXXX, my APR is being increased to 13.24 %, an increase of 5 % points or approximately 60 % increase! When I called XXXX XXXXXXXX XXXX customer service, as well as their Retention/Loyalty division, I was advised that my credit rating & payment history remain excellent ; that there is nothing negative in my file that would cause the increase. The phone rep noted that XXXX XXXX has been " reviewing all lower APR customers '' & " bringing them up to the current APR rate charged to other newer clients ''. The phone rep said he has been getting a number of calls from longstanding, excellent cards holders complaining of these huge increases. I asked if I was being penalized for not having as much usage on my card this past year [ since I had a newer, 0 % APR Chase Freedom XXXX card that I had been using but, since this attractive rate is now completed, have returned to my XXXX XXXX XXXX card use again. I asked XXXX XXXX XXXX to reduce the upcoming increased rate to a reasonable % increase ; I was told my upcoming rate of 13.24 % APR is " still a better rate than our new clients get & also means your excellent credit allowed you to till get a better rate than some other long-term clients are going to receive ''. The phone rep also noted I tend to pay most, if not all, of my monthly balance off so, historically, have paid little interest [ a point I feel has NOTHING to do with the principle of the matter which is a credit card company ripping off excellent clients ]. THIS IS A RIDICULOUS INCREASE AT ONE TIME for a client with EXCELLENT credit history, FICO score, etc. How in the world is Chase allowed to justify this & do this -- a 60 % INCREASE OVERNIGHT for no reason other than they wish to make more money from longstanding cardholders. I wish to lodge a formal complaint & have your bureau investigate this action by Chase [ & no doubt, many card companies who have longstanding clients that pay very attractive APR rates ].
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the security of my personal information. There have been repeated instances of information appearing on my report that do not belong to me. I have identified specific instances of misreported information that require a thorough investigation, information that has been mistakenly linked with my report, but it pertains to an account belonging to someone else.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report which is enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within XXXX business days of receiving a complaint that includes the following information : XXXX XXXX  - XXXX - My information was impacted by the XXXX XXXX breach and many different fraudulent items that I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE! 

XXXX XXXX XXXX XXXX XXXX - My information was impacted by the XXXX XXXX breach and many different fraudulent items that I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE! 

XXXX - XX/XX/year> - This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ), 15 U.S.C. 1681, et seq. Under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? 15 U.S.C. 1681q. This conduct has violated my privacy and I am very upset by the privacy invasion. 
DELETE this from my report asap!
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ny XXXX XXXX XXXX XX/XX/year> credit collection service XXXX XXXX XXXX XXXX XXXX Ma XXXX XXXX Cease and Desist Incorrect Debt Collection** Dear Credit collection service I am writing to formally request that you cease all communication with me regarding the debt account number XXXX I do not owe this debt, and any attempts to collect it are mistaken. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c, I demand that you immediately stop all communication with me, including phone calls, letters, and any other form of contact. Additionally, I demand that you cease reporting this debt to any credit bureaus. Any further attempts to collect this debt or report it to credit bureaus will be considered harassment and a violation of the FDCPA. Please be advised that it is illegal to purchase debt without my consent [ A ]. Pursuant to the FDCPA, specifically 15 U.S.C. 1692e, debt collectors are prohibited from using any false, deceptive, or misleading representation in connection with the collection of any debt. **Case Law References : ** 1. *XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This case highlights the obligations of consumer reporting agencies to reinvestigate disputed information and the potential liability for failing to do so. XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX This case clarifies that debt collectors must cease collection activities if a consumer disputes the debt and requests verification. XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : The U.S. Supreme Court held that businesses that buy and own the debts they are trying to collect are not considered debt collectors under the FDCPA [ B ] If you do not comply with this request, I will report your actions to the Consumer Financial Protection Bureau ( CFPB ) and consider pursuing legal remedies. Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX sent a letter XX/XX/year> informing me the us department of education has approved my application for total permanent XXXX discharge. and my loan servicer aidvantage has received all federal direct XXXX XXXX  and XXXX XXXX XXXX loans. XX/XX/year> each loan was paid by the department of education. i have a {$0.00} balance on all loans taken out. my credit reports all reflect my loans are all paid, closed, never late. the school is witholding my transcript, and not allowing me to register because they are demanding money they are not owed. none of my loans were taken out through fort hays, all my loans have been satisfied and i should not have been reported to a collection agency to pay. thats not right, and potentially now going to affect me and my future financially.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter which was delivered on XX/XX/2020 asking for proof of investigation. To date, I have not received any communication from this credit bureau. I have asked them to investigate this creditor and they verified the information as accurate. Since this is the case, I am puzzled as to why they can not provide proof regarding my inquiry. In the letter, I attached all of my identifying information including a copy of my passport, social security card and a utility bill. This creditor has ignored my letters before, which is why I provided so many forms of identifying information.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed a incorrect accounts. I feel that this accounts is adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX. XXXX XXXX XXXX  - Account number : XXXX After your investigation is complete, please send me the results via mail. 
Thank you in advance.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX XXXX XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this, per the law they should be removed after I supply proof of who I am as well as a XXXX  determination letter according to 1022.142 ( b ) ( 6 )
Product: Credit card or prepaid card

BANK OF AMERICA, XXXX XXXX ( DETR ) UNEMPLOYMENT DURING THERE FRAUD INVESTIGATION REMOVED XXXX FROM MY ACCOUNT WHICH WAS PUT THERE BY B.O.A. MONTHS EARLIER. I HAVE BEE TRYING TO GET IT RESOLVED FOR ALMOST SIX MONTHS.. BOTH ARE DENYING THEY TOOK MONEY. AND BOA KEEPS TRYING TO CLOSE ACCOUNT, EVEN THOUGH I HAVE LETTERS FROM BOTH DEPARTMENTS SAYING THAT HAVE COMPLETED THERE INVESTIGATION WAS COMPLETE AND THERE WAS NO FRAUD AND THAT A CREDIT OF XXXX WAS NOW PERMANENT AND WOULD BE RETURNED TO MY ACCOUNT