23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I hold a Wells Fargo credit card whose minimum payment amount has dramatically increased despite being late within a few days of payment beginning in XX/XX/year>. I provided full payment and was met with my minimum payment amount increasing from {$100.00} in XXXX to {$250.00} in XXXX. I did not use the card for any payments. I have also been issued credit cards for the past XXXX decades without such actions being taken despite a late payment. I understand being charged a late fee, but not having my payment doubled for no reason. When I inquired about this issue with Wells Fargo, I was met with confusing logic regarding APR calculations. I explained to Wells Fargo that no other credit card company has applied this practice before. I last spoke with a Wells Fargo representative in XXXX as to why, with no additional activity, my minimum payment was still high. I also mentioned the CFPB as an outlet for additional conversation. Wells Fargo immediately interrogated me and directly asked if I felt I was being discriminated against. I said I was looking for information and a conversation. At no time did I state any form of the word " discrimination. '' I was left with the impression that someone would contact me. I received an email from Wells Fargo that I would only receive a {$50.00} credit. The next statement was issued days after. Again, I had not used my card and was waiting for additional dialogue from the company. My minimum payment jumped from {$230.00} to {$490.00}, I find this to be in bad faith, discriminatory, and retaliatory for expressing my rights as a consumer to speak with the CFPB. I can not make a {$500.00} payment, and now this amount is {$770.00}. I am happy to make payments, but when I mentioned the CFPB, this company 's response is to punish me. 

My credit limit also decreased some time ago without explanation. I am seeking assistance and will reach out to Wells Fargo despite their reluctance to leave any voicemail or email communications.
Product: Credit reporting, credit repair services, or other personal consumer reports

My car was stolen with all my personal information and now I see that someone is attempting to open accounts using my personal information. I have not given anyone permission to access my credit
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 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

I had an auto loan with XXXX XXXX, and that stated I had several late or missed payments which I never did. I also used it as a trade in and they reported it as closed delinquent account instead of paid off early which has damaged my credit report Ive tried for two years to fix and nothing.
Product: Student loan

My loan for disadvantaged students and XXXX Loan was transferred to another company without informing me ( to ECSI ). My payment was overdue because I could not log into my account with my old lender. I finally find out the loan was transferred and missed a payment. Now my credit is damaged by no fault of my own. They will not help me. I had to pay many thousands of dollars or was threatened to put my loans in immediate default. I feel I am being mistreated by this process and have no XXXX on my side. Even as I try to pay they charge large processing fees.
Product: Checking or savings account

I have spent the last month in and out of the hospital with a XXXX illness. Thus, I have not been checking all of my accounts daily, as usual. Yesterday, after I was released, I checked my Chase Bank account online and was horrified to discover that I was nearly {$700.00} overdrawn!! It appeared that the overdraft was entirely due to three unauthorized charges. There was a charge of {$39.00} from XXXX dated XX/XX/2019. I do know this company. They are a subscription box company with whom I have an annual subscription. The amount of the subscription is {$170.00}. I was also charged that amount of the same date. For some unknown reason, I was also charged {$39.00}, the price of a single box ( the box ships quarterly ) that same day. I tried to contact the company via email and telephone on XX/XX/2019. I have not received a response. The second two charges were from a company called XXXX. I  have absolutely no relationship with this company, which appears to be another subscription company involving clothing. On XX/XX/2019, I was billed {$40.00} and on XX/XX/2019, I was billed another {$300.00}. Again, I tried to phone the company and also sent an email. No response has been received. Today, XX/XX/2019, I called Chase Bank around XXXX XXXX., P.S.T. Since I have been a client, Chase has had to clear up numerous disputes on my behalf. Unfortunately, I have been dealing with serious identity theft issues for the last five years and have been desperately trying to receive a new Social Security Number. Thankfully, Chase has been nothing but helpful with these unauthorized charges. They always issue a provisional fee within 24 hours and remove all the overdraft fees incurred by putting these charges through. Today, however, I spoke to a woman ( name unknown ) who refused to issue a provisional credit for any of the three items. When I asked why, she stated that since I did not report these charges on the day they posted to my account, she could and would open an investigation. I replied that I had never heard of that policy and explained that I had been hospitalized. She was unmoved and again stated that this was not Chase 's problem. I told the woman that if that was the case, I was going to be forced to switch banks since this new policy basically offered no protection whatsoever to their clients. Her response was " fine '' and a hang up. I am supposed to be resting and not dealing with stress as per my doctors at the XXXX XXXX. Instead, I am horrified at the sheer amount of overdue payment notices I now have to pay and wondering how I will make it through the next week as far as food, transportation to doctor appointments, etc. until I receive a XXXX payment near the end of next week. Please help!
Product: Credit reporting

Experian is reporting to XXXX that I owe XXXX under revoving accounts at XXXX % ... Experian own reports is correct at XXXX % but still reporting to MY Fico incorrectly ..it does hurt my score I have talked to XXXX different people at Experian and some other national ( whatever ) with NO good answer '
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters and called several times to get this matter resolved. The most recent letter being on XX/XX/XXXX and the others sent on XX/XX/XXXX and XX/XX/XXXX still as of today there has been no progress. The below inaccurate items still show negatively on my report. I mentioned previously I was just made aware of my information being impacted by the Equifax data breach. Now more than ever I fell my information has fallen into the wrong hands. This dispute process has be very long and I feel like Im on a hamster wheel. I read up on how to rectify this data breach and I saw it is illegal to report false information per FDCPA Section 807.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be deleted ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a fraudulent auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX, with an account number ending in XXXX totaling at {$13000.00} ; a fraudulent credit card account opened at XXXX XXXX in XXXX, XXXX, with an account number ending in XXXX totaling at {$590.00} ; and fraudulent XXXX services obtained from XXXX XXXX XXXX XXXX in XXXX, XXXX, totaling {$700.00}. 

These fraudulent accounts have resulted in unauthorized hard inquiries and collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

You are also in violation of 15 U.S.C. 6802. Obligations with respect to disclosures of personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/22 i got alert from experian saying a had account added to collection for XXXX this account is absolutely fraud the name is similar and address is only similar in XXXX this is not my account XXXX XXXX XXXX knows this account needs to be removed immediately I have filed police report and ftc report I also have obtain lawyer
Product: Credit reporting or other personal consumer reports

TRANSUNION XXXX XXXX ( XXXX ) - ( XXXX ) XXXX ACCOUNT IN VIOLATION FIX ERRORS OR REMOVE ACCOUNT XXXX XXXX ( XXXX ) - ( XXXX ) XXXX My expectations were not met by your submission, which seems to have deviated from the Metro 2 guidelines. Prior to being added to my credit profile, all information must be accurately and completely completed in compliance with the guidelines. 
There are too many Inaccuracies & Incorrect Information showing that you have not complied with the applicable standards. Remove this Inaccurate/Incorrect Account off my report Immediately. 


Two-Year Payment History : ( XXXX ) PAYMENT HISTORY DIFFERENT XX/XX/XXXX TO XX/XX/XXXX XXXX : Payment History is Completely Different : XX/XX/XXXX TO XX/XX/XXXX TransUnion : Payment History is Completely Different : XX/XX/XXXX TO XX/XX/XXXX I deal with the disparities in payment history reporting between different agencies in a frustrated and unsatisfied mood. The accuracy of the reported data is contested in this formal consumer complaint, which demonstrates my resolve to make things right. There should be no room for compromise ; I demand that reporting entities take corrective action right away. 


Account # : ( XXXX ) ( 2 ) DIFFERENT ACCOUNT NUMBERS FOR SAME ACCOUNT. HOW ARE THERE 2 DIFFERENT ACCOUNT NUMBERS? 
XXXX : XXXX TransUnion : XXXX High Balance : ( XXXX ) HIGH BALANCE SHOULD BE {$0.00} XXXX : {$27.00} TransUnion : {$27.00} Last Verified : ( 2 ) DIFFERENT DATES OF LAST ACTIVITY. HOW ARE THERE 2 DIFFERENT DATES? 
XXXX : No Date Reported TransUnion : XX/XX/year>XXXX  Date of Last Activity : ( XXXX ) ( 2 ) DIFFERENT DATES OF LAST ACTIVITY. HOW ARE THERE 2 DIFFERENT DATES? 
XXXX : XX/XX/year> TransUnion : XX/XX/year> Closed Date : ( XXXX ) ( 2 ) DIFFERENT DATES OF LAST ACTIVITY. HOW ARE THERE 2 DIFFERENT DATES? 
XXXX : No Date Reported TransUnion : XX/XX/year>
Product: Money transfer, virtual currency, or money service

My account on Robinhood was restricted with no response. And it doesnt fall under any of the reasons that would cause them to restrict my account. I have lost several days of my trading opportunity and I also needed to withdraw my cash for financial reasons and can not do so either. One lady who i talked to named XXXX said she would provide info regarding the issue via email but never got a reply from them. They have simply restricted my Robinhood brokerage account with no cause.
Product: Credit reporting, credit repair services, or other personal consumer reports

my loan payments were temporarily suspended because I am experiencing financial difficulty, please verify US DEPT OF EDUCATION with the lender and fix the account. It should not be reported on my credit files multiple times.. I do not understand how credit bureaus received this information but it is completely false.. This is a clear violation of the FCRA and I have an attorney in place ready to move forward with legal actions
Product: Money transfer, virtual currency, or money service

Cash app didnt give me my money back and the number they gave the public didnt work
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute under FCRA Section 605B - Identity Theft Notification To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of fraudulent information from my credit report under Section 605B of the Fair Credit Reporting Act ( FCRA ). This section mandates that credit reporting agencies block and remove information resulting from identity theft when a valid identity theft report is provided.

Despite my previous correspondence on this matter, you have failed to take appropriate action within the legally required timeframe. Let me be clear : under FCRA Section 605B, you are legally obligated to block fraudulent items on my credit report once I have provided adequate documentation of the theft. My dispute letter and supporting identity theft affidavit were submitted to you on [ date of previous submission ], along with certified tracking [ insert tracking number or proof of delivery if available ]. This submission constitutes sufficient documentation under the law. 

The following accounts and inquiries on my credit report are fraudulent and should be blocked and removed without delay : 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 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 and all prior correspondence as proof of my lawful right to invoke this process. You are required to block and remove the information in dispute within four business days after receiving this notice, per Section 605B ( b ).

Failure to comply with this legal obligation may compel me to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), and I will pursue further legal action if necessary.

I expect prompt written confirmation of the removal of these items within the next ten business days. Please respond to this letter by mailing a copy of my revised credit report reflecting the removals. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

They have been several inquiries that showing on my credit report without my authorization. Spoke with XXXX XXXX about having them removed. Its been over 30 days. Still havent got a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted all three credit bureaus XX/XX/XXXX to have XXXX  XXXX   removed from my credit report due to me not having a contract. XXXX  removed this creditor from my credit report XX/XX/XXXX. However XXXX  XXXX  is showing up on XXXX  and Equifax. I have disputed this with a 2nd letter to XXXX and Equifax on XX/XX/XXXX because I did not here back from them the reason it was on my credit report. After that I hired XXXX XXXX XXXX to correct this and Equifax and XXXX  still did not furnish me with a original contract proving that this account was mine as requested or deleting this from my credit report. I disputed this with CFPB XX/XX/XXXX and I looked up my results and spoke with the representative who advised me that they recieved a response back from XXXX XXXX stating that had no record of me which is not true. I provided a screen shot of my credit report stating that this was their name on my equifax and XXXX  credit report. Since this company is denying that they are not the company that is reporting Im asking XXXX and Equifax to delete this company from my credit report or furnish the orignal contract from this agency, which they have yet to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXXXXXX XXXX, GA XXXX ; XXXX XXXX XXXX Balance : {$600.00} ; XXXX XXXX XXXX  XXXX Balance : {$520.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2200.00} ; XXXX XXXXXXXX XXXX XX/XX/2022 ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

NRA is reporting multiple medical debts that I am unaware that I owe, XXXX of which are for the exact same amount appear to be duplicates. I requested debt validation and have not received ANY response from them
Product: Money transfers

Sir, On XX/XX/XXXX I Have sent XXXX $ to XXXX ( XXXXXXXXXXXX ) using Paypal for a personal service. But after receiving money they do n't contact me even their cell phone is switched off.
Product: Payday loan, title loan, personal loan, or advance loan

I bought a Peloton bike ( Loan ID : XXXX ) through Affirm on XX/XX/XXXX, for 39 monthly payments of {$41.00} at 0 % APR, I did not need to borrow the money and only did so because of Affirm 's advertising as being consumer friendly and easy to work with and for 0 % APR I figured why not. This was a terrible, terrible mistake. I made all payments on time and set up auto-pay in my account. However, due to XXXX {$41.00} payment failing twice ( out of XXXX total ) due to a technical issue on their side ( details to follow ), they decided to report to both XXXX and XXXX a year later that I am of terrible credit, and had my credit score dropped by 100-150 points. I am trying to purchase a home and am currently unable to get a mortgage due to a SINGLE {$41.00} PAYMENT that Affirm claims was paid late but is solely their fault and their customer service still has refused to correct the issue. PLEASE FIX YOUR MISTAKE AND LET ME PURCHASE A HOME, THIS IS PREDATORY AND IMMORAL. Factual background : I signed up and connected a XXXX  XXXX XXXX direct debit checking account which at all times had thousands or tens of thousands of dollars in it. I received an email notification on XX/XX/XXXX that a payment had failed in BofA despite all previous payments going through normally. Not understanding what had happened ( as all prev payments had gone through and the account had plenty of money ), I attempted to call Affirm customer service several times and their IVR menu always dropped the call. It was in fact impossible to reach a human representative to assist me with the issue. Their email sent came from a no-reply @ and did not receive any issues and did not help me, leaving me stranded. On XX/XX/XXXX I manually figured out how to log in and clear the balance and received confirmation I had paid. Despite no one at Affirm ever calling me back or them ever answering the phone, they never collected the {$41.00} for 45 days from my account. The payment was made and my credit is ruined. PLEASE HELP CFPB.
Product: Debt collection

XXXX called my daughter and threatened to have me arrested over a sum of {$XXXX} hey are claiming i owe in back rent. XXXX insurance sold my information to a third party going against the HIPPA law.
Product: Debt collection

Midland Credit Management is suing me for a debt that I have proved to them was fraudulent. 

They have failed to verify the debt but states that the debt is accurate. I requested a signed signature showing the debt is mine & they have not provided any proof of this. 

I attached a police report as well as an identity theft report. I'm also including the XXXX XXXX XXXX XXXX. 

Midland has been sued for failing to verify debts in the past ( which I have attached ) & they are failing to verify my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

- XXXX XXXX XXXX XXXX, {$5200.00} - XXXX XXXX XXXX XXXXXXXX, {$4400.00} - XXXX XXXX XXXX XXXX XXXX {$810.00} - XXXX XXXX XXXX XXXX {$420.00} - XXXX XXXX XXXX, {$2500.00} 15 USC 1681 Section 604 " States rights to consumers privacy '' Reporting agencies can not furnish a account WITHOUT my WRITTEN consent!
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received my reinvestigation back from Equifax They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ).

Because the list of accounts below are not accurate. The open date, date last active, and date of last payment is NOT 100 % accurate. 

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 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 XXXXXXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681 ( 5 ) ( A ) ( i ).

I attached a consumer report as evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiry was done and I did not authorize