23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

We are in the midst of a pandemic. And, American Express just notified me that my interest rate will be changing to 18.99 % from 13.24 % even though my payment habits have not changed, I make payments in excess of the minimum due, I have never been late and my financial situation has not changed. This increase is not a nominal amount. It represents an increase of over 43 %. During the midst of a pandemic and given interest rates are hovering at ZERO for American Express, I am quite appalled that an interest rate would be increased by over 43 % when nothing about their customer has changed. I contacted American Express who told me my account is being realigned to what others in my credit score range are paying. This is an extremely narrow range of criteria considering I have been an account holder since 1996. 
I won't be using the card any longer. I am reporting this complaint and will also be voicing my dissatisfaction through social media. The actions taken by American Express against customers in good standing during the midst of a pandemic is nothing short of disgusting greed.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

On XX/XX/XXXX, I contacted Chase customer service to increase the amount I could spend from {$5000.00} to {$6000.00}. I did this so I could pay my escrow account with my mortgage company. The Chase customer representatives had me explain this request to one person, but she transferred me to another representative and I had to explain to them the reason why I wanted to do this. After waiting so long just to talk to them, I told them to forget it and I hung up. When I tried to use my debit card on XXXX, it kept getting declined on my daily purchases. As I have the money in my Chase account to cover these charges, I had to call Chase to find out why I was getting declined. The representative at Chase told me that my debit card had been put on hold by the representative I had become frustrated with the night before. I was being punished for ending the call early. I was humiliated with my declines at the supermarket and at a clothing store today. I will also have to explain to my XXXX XXXX company that also had their automatic debit declined. All because Chase didnt like me ending my call early with them. They have treated me like a XXXX  child and caused me shame and embarrassment.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


AXXXX 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 XXXXXXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX  # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX  XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX  XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX 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 an account without my written instructions The following accounts are all fraud and need to be deleted from my credit report immediately.
Product: Credit reporting or other personal consumer reports

Upon reviewing my consumer report, I noticed that there were multiple hard inquiries on my report. Things that I've never applied for. I don't know who these companies are or why they are reporting. Here are the inquiries as follows 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

Hello I have sent them Dispute letters for all the closed accounts of incorrect numbers and dates on my credit report and no change has occurred under law if there is incorrect or error in my report they should be deleted via 609
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX visited First Citizens Bank ( XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX ), intending to open a highly advertised 'high yield savings account ', and spoke with XXXX XXXX XXXX 
He informed us it was only available online ( which was not disclosed ), and offered XXXX XXXX accounts ( @ 4 %, guaranteed 120 days, no penalty ), but we'd have to make an appointment with a more senior specialist for the next day. 
XX/XX/XXXX XXXX XXXX phones @ about XXXX XXXX to confirm appointment and asks me for my Social Security #, Driver License, address, phone, etc. ; I asked why do this over the phone, he responded : 'the senior specialist is staying late as it is to meet with you ( at XXXXXXXX XXXX ), so we are trying to have most of the information ready in order to save time. 
I did provide all the information he asked for, but felt very uneasy. When the call was over, I called him back right away, to confirm that it was him who had just called. 
At XXXXXXXX XXXX we met with XXXX XXXX, who informed us that the terms offered were no longer available. Maybe switch to another product? ... bait and switch ( twice ). 
XX/XX/XXXX when I called to speak to a manager or supervisor and I explained ( i felt my privacy violated, and that I would file a complaint, she answered 'go ahead '.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion rental screening also known as Smartmove by TransUnion released a application that I filled out as a possible tenant fir a property on XXXX XXXX XXXX XXXX, TnXXXX. The agent is XXXX XXXX and she works for remix. I applied and was denied rental fir EViCTION. I have never been evicted and knew nothing about this until now. I have lived at the same residence for 3 years. I called the rental screening third party XXXXXXXX XXXX  who supplys the application. Then they buddy up with smart move TransUnion to get their false info and percentages used to analyze what kind of possible renter I may be what I may or may not do based on someones opinion. My score and report came back with a Wviction. I contacted the Tennessee civil circuit clerks office and they supplied me with a document that shows in XXXX when I was living at my current address that someone filed a judgment but it was dismissed and there is a XXXX balance abd it us a NA non suit and it was dismissed a few months after that. This has never appeared in anything I have before. I contacted TransUnion filed a dispute in XX/XX/XXXX and they said that the info they supplied stating u was evicted us correct. I disputed again and they are refusing to do anything about the knowingly false information if a eviction. I was told verbatim quoteTgere us just not another category tk out this dismissed judgment under because its nit criminal or identity, I was appalled. They refuse to fix this.Help. Thus company has 100s of class action suits against them fir this reason!
Product: Credit reporting or other personal consumer reports

I recently looked at my Equifax credit report and noticed some things are incomplete and not accurate. Account name XXXX XXXX XXXX XXXX has reported that I was late XXXX and XXXX of XXXX  which is inaccurate because indeed paid those months. As 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 ). 

And according to 15 USC 1681 5 they are suppose to do this ( 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.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE STOLE MY IDENTITY AND USE IT ON SEVERAL TIMES TO OPEN UP AUTO LOANS BANK ACCOUNTS AND UTILTY ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX   and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

15 usc 186b Clearly states " any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written instructions of the consumer.

That's aggravated Identity Theft 18 usc 1028A because they have possession of your information and they are also using it without consent from the consumer XXXX/Transunion XXXX XXXX  XXXX XXXXOpen date : XXXX XXXXXXXX XXXX- Open date : XXXX XXXX XXXX- Open date : XXXX XXXX XXXX XXXX XXXX- Open date : XXXX
Product: Credit card or prepaid card

I was fraudulently charged {$560.00} on XX/XX/XXXX for something in XXXX XXXX XXXX. This place is in California and I have never been in California before because I live in tennessee. I have continuously called chase about this every day since XX/XX/XXXX and they keep hanging up on me. I never made this charge and I dont know how some random person in california could have even made this charge. Chase has done nothing to be transparent and the person in charge of my case named, XXXX XXXX XXXX XXXX XXXX extension : XXXX ) has never picked up any of my calls.
Product: Vehicle loan or lease

someone has been using my personal information to obtain a car loan in my name without me having any knowlege, i have contacted the credit reporting agencies to notify them that they are reporting a fraudulent account on my personal credit report, i have also notified jpmcb auto multiple times in regards o this matter and they refused to help me in this matter it seems like i keep receiving generic letters that seems its an XXXX XXXX ' letter with the same information over n over, that being said i would like a real person to investage this matter and have it resolved in my behalf.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXXXXXX 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  - {$550.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit card

I have been using my Chase credit card as my primary credit card for over 5 years, spending easily over {$1000.00} per month almost every month. During this time, I 've paid back my balance in full every time without any problems. 

Earlier this year, I purchased some foreign currency while traveling, and used this credit card to pay for that purchase. When the month 's statement arrived, I was surprised to see multiple cash advance fees on my card. I called Chase regarding these charges and they were not helpful at all. I reluctantly paid these fees and moved on. 

Every month after that, I 've been hit with cash advance interest fees despite me paying my statement in full weeks before the statement due date. Each time that I called Chase, they could n't do anything about the current month 's fees, and they did not warn me about the fees that will show up next month. As a matter of fact, in my most recent call, their representative told me they could n't do anything to help but they can close my account. Despite being a loyal customer for over 5 years, and using their products heavily, this was the last straw for me. I 've closed my account and will never be doing any business with Chase again.
Product: Credit card or prepaid card

I received a alert there was a American Express card was applied in my name and I didnt apply and neither nor use this card and I contacted American Express and they put this account in dispute and it was denied 2 weeks later and holding me responsible for this account ending XXXX and there was also payments been made on this account and they dont belong to me and I ask American Express to reverse these payments back to the original owner and they refuse and told me they will look into it
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX  I have sent multiple letters to the credit bureaus and companies and yet no one has corrected their errors. Could you please please please investigate into this matter further. I have proof of everything. They are breaking the law!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Balance {$770.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance : {$2400.00} XXXX  XXXX Balance : {$5100.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX Balance : {$11000.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Product: Credit reporting or other personal consumer reports

Upon review of my consumer reports I noticed unauthorized inquiries as well as an account from XXXX XXXX XXXX for XXXX $ that I have no knowledge of. After consulting with an employee at one of the bureaus, I filed an ftc report.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Erroneous Late Payments Wells Fargo XXXX XX/XX/XXXX To Whom It May Concern, I am writing to formally dispute the late payment reporting for a Wells Fargo XXXX XXXX for XXXX and XXXX XXXX. I am listed as the cosigner on this loan, but the primary borrower is my daughter. The reported late payments for XXXX, XXXX, and XX/XX/XXXX are erroneous, as the account should have been in deferment during this period due to my daughters enrollment in college. 

Timeline of Events XX/XX/XXXX : A Wells Fargo XXXX XXXX for XXXX and XXXX XXXX was issued with an original amount of {$7000.00}. 
The loan was signed by the primary borrower, my daughter, with me listed as the cosigner. 

XX/XX/XXXX- XX/XX/XXXX : Late payments were reported by Wells Fargo despite the primary borrower, my daughter, being enrolled in college during this time. 
My daughter contacted Wells Fargo to provide proof of her enrollment and requested that the account be placed into deferment. 

XX/XX/XXXX : Payments were officially deferred, and no further late payments were reported. 

XX/XX/XXXX The loan account was transferred to XXXX XXXX. 

XXXX : Late payment entries for XXXX, XXXX, and XX/XX/XXXX remain on my credit reports, causing a significant drop in XXXX XXXX. 

Summary of Deferment Errors The primary borrower was a XX/XX/XXXX during the period of XXXX XXXX, qualifying the loan for deferment under XXXX XXXX XXXX XXXX 
Despite providing documentation to Wells Fargo verifying her enrollment, the loan was not placed into deferment in a timely manner, and late payments were erroneously reported. 
These late payment entries contradict the loans subsequent deferment status starting in XX/XX/XXXX and should be corrected retroactively. 

I appreciate your attention to this matter and look forward to your prompt resolution. If this issue is not corrected within 30 days, I will consider escalating the matter further, including legal remedies if necessary. 

Sincerely, XX/XX/XXXX
Product: Mortgage

I filed a recent complaint and they responded with an answer that contradicts the letter they sent in response. They have denied my request to obtain information my mother 's loan even though I have submitted proof that I am on the deed to the house and qualify as a Successor in Interest according to Regulation Z. Also, to stop sending correspondence to the house where renters are retrieving the mail. 

They are trying to foreclose on the house even though I have the means and ability to refinance the home. I have been approved for a loan to do so already. But the lender can not do anything while the home is in pre-foreclosure status. It seems like PHH is doing everything they can to keep me from legal property.
Product: Credit reporting or other personal consumer reports

I have recently reviewed my consumer report and found fraudulent accounts that I did not initiate, open, or authorize anyone to open these accounts on my behalf, which are a result of identity theft. FRAUDULENT ACCOUNT NAME- XXXX  XXXX ACCOUNT NUMBER- XXXX, DATE OPENED- XXXX, REPORTED BALANCE- {$0.00}. FRAUDULENT ACCOUNT NAME- XXXX XXXX XXXX ACCOUNT NUMBER- XXXX, DATEOPENED- XXXX, REPORTED BALANCE- {$330.00}. FRAUDULENT ACCOUNT NAME- XXXX XXXX, ACCOUNT NUMBER- XXXX, DATEOPENED- XXXX, REPORTED BALANCE- {$120.00}. FRAUDULENT ACCOUNT NAME- XXXX, ACCOUNT NUMBER- XXXX, DATE XXXX, REPORTED BALANCE- {$0.00}. FRAUDULENT ACCOUNT NAME- XXXX, ACCOUNT NUMBER- XXXX, DATE OPENED- XXXX, REPORTED BALANCE- {$0.00}. FRAUDULENT ACCOUNT NAME- XXXX XXXX XXXX XXXX ACCOUNT NUMBER-XXXX, DATE OPENED- XXXX, REPORTED BALANCE- {$2800.00}. FRAUDULENT ACCOUNT NAME- XXXX  XXXX ACCOUNTNUMBER- XXXX, DATE OPENED- XXXX, REPORTED BALANCE- {$20000.00}. FRAUDULENT ACCOUNT NAME- XXXX  XXXX ACCOUNT NUMBER- XXXX, DATE OPENED- XXXX, REPORTED BALANCE- {$570.00}. I hereby affirm that I have no knowledge of these accounts, nor have I ever authorized anyone to open any accounts in my name or on my behalf. The presence of these fraudulent entries on my credit report is not only incorrect but is also damaging my creditworthiness and causing me undue stress and financial harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX  XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Credit card

My issue is with Bank of America. I have Visa and XXXX cards with them. For years ( more than XXXX ) I had them set up with automatic payments coming from another financial institution to cover the monthly amounts due. I started receiving notices that my payments were over due with added late charges. I checked with Bank of America and they told me that the automatic payments had been canceled. They tried to tell me that I had requested the cancellation which I did not. Then they told me that the institution where the payments were coming from had canceled the payments. They did not. I got the automatic payment set up again. A few months later I started receiving notices that my payments were overdue with associated late charges. When trying to determine why this was happening Bank of America could not give me any good answers. Over the past year Bank of America has XXXX times canceled automatic payments which I had set up. In the delinquency letters that I received it was stated that they could increase the credit card interest to around 30 %. I am very concerned about the impact this has had on my credit rating.