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

I paid my American Express Everyday Blue Cash credit card off in XX/XX/XXXX and was super excited to finallly have a zero balance and have the opportunity to begin using my credit card for purchases and being able to earn rewards. I began chatting with an agent on the Chat online on XX/XX/XXXX around XXXX EST. I requested a lower APR due to having better credit now than I did when i applied in XXXX. I have been a card holder since XX/XX/XXXX and never have i had my APR lowered or my credit limit increased. My other credit cards lowered my APR and increase my credit limit multiple times except American Express. During the chat of requesting a lower APR i was advised my APR was unable to be lowered at this current time. I accepted that response and asked what my current APR was on the account. That is when I was informed my APR was 25.24 %. I was extremely surprised my APR was so high due to when opening my American Express Credit card in XXXX my APR was 19.24 %. I never received any letter or notification regarding this APR increase and when I asked why I was advised the letter was missing in the mail and they confirmed it was never delivered to me. I continued to speak with an agent on chat on XX/XX/XXXX, and then i requested to escalate my concerns where i began speaking with a Supervisor via chat who advised my the same information and that the letter was sent in XX/XX/XXXX and then notice was on my statement, but the letter was lost in the mail. That was when i was provided a phone number of XXXX to discuss my account with someone and be provided the reasoning my APR was increased and why my APR was unable to be decreased at the time. I made the call to that number on XX/XX/XXXX around XXXX EST where i received no help from the initial agent nor the next supervisor. I requested to speak with a manager and was advised one was not available. I accepted that one was unavailable and requested to leave a voicemail or have a manager contact me back regarding my concerns and the Supervisor advised me that no one would be able to do anything and speaking with someone higher would result in the same answer. I am now waiting for a response back from the manager. I was advised my APR was increased due to my Fico in XX/XX/XXXX and the increase started on XX/XX/XXXX. This is a HUGE increase, I never received a letter, and i was never delinquent on the account and was an outstanding customer. I read the valid reasons on this site on what constitutes an unexpected APR increase and i did not meet or cause any of them. I would like my APR to be adjusted back to the 19.24 % or lower. My issues are unresolved and my customer experience is horrendous.
Product: Credit reporting, credit repair services, 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. 
XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX Type : XXXX XXXX XXXX Status XXXX Discharged Date Filed/Reported:XXXX Reference # XXXX Closing Date:XX/XX/XXXX Asset Amount : {$0.00} Court : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Liability : {$0.00} Exempt Amount : {$0.00} XXXX5 USC 1681 section 602 A. states i have the right to privacy.

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

15 USC 1681c ( a ) ( 5 ) section states : No consumer report 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 USC 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/2024, my Wells Fargo checking account was used fraudulently. My debit card was " shimmed '' and copied, used to make 2 ATM withdrawals, {$540.00} and {$400.00}, and a transaction for XXXX. This all totaled {$2900.00} in fraudulent use. Wells Fargo texted me asking if the transactions were valid and I responded, " no ''. I immediately froze the account when I was notified of the transactions and disputed them with Wells Fargo. Wells Fargo responded that they " found it was made by me or someone that had my permission. Please consider the claim closed. '' I spoke with the debit card fraud department at the bank who said to me they couldn't reverse the transactions that were made fraudulently. 

Here 's the 3 transaction I didnt make. They appear on the statement on XXXX but they were made on XXXX. 
XXXX {$2000.00} USPS XXXX XXXX XXXX XXXX {$540.00} Wells Fargo ATM XXXX XXXX XXXX {$400.00} Wells Fargo ATM XXXX XXXX I am also including a photo of my police report case # XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 


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
Product: Credit reporting or other personal consumer reports

I requested a copy of my consumer report and noticed a few credit inquiries that were furnished on my consumer report. I did not authorize these inquiries, I do not recognize these credit inquiries, and I did not give any written instruction or permissible purpose for creditors to accuse or furnish anything on my consumer reports. By law this constitutes a form of identity theft due to the fact that my information was knowingly used without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I reviewed a copy of my credit report and XXXX XXXX XXXX  ran an unauthorized credit inquiry on me on XX/XX/XXXX. 

I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact XXXX XXXX XXXX and investigate such occurrence. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. 

If you have any questions or need additional information, please contact me at address listed below. 

Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX
Product: Debt collection

I received a copy of my credit report this morning and noticed that your AFNI XXXX reporting information about me, which have zero knowledge about. I have received no form of written notice nor have I received any phone calls. The fact I have not received any communication before inserting the alleged " debt '' onto my credit report is a violation of The Fair Debt Collections Practices act FDCPA, which does entitle me to {$1000.00} per violation plus attorney fees. 

Please see attached affidavit.
Product: Mortgage

Nationstar has been sending XXXX XXXX to home to forecloseNationstar does not have standing
Product: Credit card or prepaid card

On XX/XX/2021, I entered into a payment arrangement with XXXX ( Capital One ). 3 Payments of $ XXXX and then my balance of over $ XXXX would be XXXX. This is due to Covid-19 and their plans in place to help. I having been effected greatly by Covid-19 was very excited and very detailed with the rep over the phone. I had made it clear that this was to take my balance down to XXXX, and XXXX  and I would be good. The rep stated " YES '' several times. I asked when I would get a paid in full letter, and the rep explained it would be a few weeks after the final payment on XX/XX/2021. So, XX/XX/2021 rolls around and I get a bill in the mail. I called in to ask about it and they said it would take up to 90 days to get a paid in full letter, and that the bills are auto generated. XXXX of 2021 comes I get another bill, but disregard it. On XX/XX/XXXX I get a call from Capital One asking how I am going to pay my XXXX bill. I explained to the rep I had a settlement, and the rep stated I did not. Stated I was in a " build a plan ''. This is the first I heard of this and now Capital One ( XXXX ) is saying their was never a payment plan. When I ask for the transcript for the call, they tell me I need to get a lawyer for it. I have called and talked with several managers all saying the same thing. There is no error on our part and to get a transcript of my call I need to get a lawyer. I asked them, " If their was no error on your part, then why not supply me with a transcript of the call? ". To this day they will not give me any more information on my account with the phone calls they made to me and recorded.
Product: Checking or savings account

My documents were stolen and when I went to open a bank account they told me that they closed my bank accounts so I need help to open a bank account I need XXXX removed Thanks you
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter  PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized hard inquiries that have appeared on my credit report. I did not authorize these inquiries, and they are negatively impacting my credit score and overall financial health. I respectfully request that these inquiries be removed from my credit report immediately. The hard inquiries in question are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX which is pass the statue for reporting, US SM Bus Admin ODS is pass the statue for reporting. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ), a credit reporting agency may only include hard inquiries on a consumer report if they were made for a permissible purpose, such as an application for credit initiated by the consumer. Since I did not authorize these inquiries, they do not meet the criteria set forth by the FCRA. Additionally, 15 U.S.C. 1681i ( a ) obligates credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of any information on their credit report. I am formally requesting that you conduct such an investigation to verify the legitimacy of these inquiries.
Product: Checking or savings account

Over the span of XXXX  years I have had miscellaneous fees, overdraft fees, and maintenance fees on my account with Wellsfargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been asking questions for months now about my score increases not being accurate on their website. It shows XXXX points each month for 3 months. When I first signed up it did not say that they didn't report to all 3 Beraus and now they are trying to get me to pay more to do so. I want my money back and I want out of this service and I am worried about my credit score. You can't talk to someone on the phone and no one has ever responded to my emails regarding this.
Product: Student loan

I was XXXX XXXX XXXX just trying to go to college when I was forced to sign paperwork and told a bunch a lies at the first school I went look at which was XXXX XXXX. They told me all the nice things that they wanted me to hear and told me that I would only have federal loans, but I didnt end up with just federal loans I had private loans as well and didnt notice until I got older. Looking back, I signed paperwork that I didnt even get a chance to read because they snatch it back so fast. My program at the school was a scam, they took the program away from us and had us go to another program which really wasnt a good fit for me. Next thing I know Im XXXX almost XXXX XXXX XXXX with all this debt that is so hard to pay back when I was used by this school as well as many others. My federal loans has been discharge due to the fraudulent behavior by this school, but my private loans have not. Navient denied my application. Its so hard to find a place to stay or even do things I want to do with all of this hanging over my head. I just want these loans to go away so I dont have to spend the rest of my life struggling and stressed out.
Product: Credit card or prepaid card

I lost me card on and wallet XX/XX/19 on I reported the card missing onXXXX. someone had used my card at the atm and store in the amounts of {$160.00}, {$100.00}, and {$8.00}. I last used my card at the gas station which I told to the customer card company. I noticed a guy hanging around me when I used the atm and at the store. I keep my pin in my wallet due to a bad memory from a car accident. The bank denied my claim now I am having to move due to not being able to pay my rent.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

Time has already passed but up until now, I havent heard any kind of response from the XXXX and XXXX Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the account which is erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely.
Product: Debt collection

In accordance with the Fair Credit Reporting act XXXX Account XXXX #, has 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 A account without my written instructions
Product: Credit reporting or other personal consumer reports

I did not give consent to the Unauthorized inquiries on my report. I do not recognize any of these inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

This 1099 shows XXXX XXXX XXXX cancelled the remaining debt of {$6200.00}, yet XXXX XXXX  XXXX is still reporting on my credit that I owe {$6200.00}. The account needs to be updated with a {$0.00} balance because the debt has been cancelled and written off, and can not be paid because they have already reported the amount to the IRS, so on my credit that show be reflected.
Product: Credit card

Charged late fee after signing up for autopay with autopay not working. Late fee is above the maximum limit set by Cfpb
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion Consumer Solutions XXXX. XXXX XXXX  XXXX PA XXXX Is reporting false information to lenders, financial institutions and all related causing financial hardship and financial disability in the business world and my finances ... the company is reporting negative information about my finances and it's history ...
Product: Credit reporting or other personal consumer reports

XXXX AND EXPERIAN REFUSE TO REMOVE THE 2 LATE PAYMENTS FROM MY CREDIT REPORT. 1 FROM XXXX XXXX  AND THE OTHER IS FROM XXXX XXXX. THE REPORTING ON MY CREDIT REPORTS ARE TOTALLY INACCURATE AND THEY REFUSE TO REMOVE THEM. XXXX REMOVED THE 2 LATE PAYMENTS AFTER THEY INVESTIGATED AND FOUND OUT THAT THE REPORTINGS WAS INACCURATE. FAIR DEPT COLLECTIONS PRACTICES ACT 15 USC 1692g VIOLATIONS and FAIR CREDIT REPORTING ACT 15 USC 1681 VIOLATIONS FOR WILLFUL NONCOMPLIANCE- 616 CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE 15 USC 1681n
Product: Credit reporting, credit repair services, or other personal consumer reports

last month i applied for a mortgage because i wanted to buy a house, i was denied because of a low credit score. I was confused because i really don't use my credit often.The mortgage broker gave me a copy of my credit report. I reviewed the credit report and noticed several fraudulent accounts. i contacted the bureaus and they requested the normal ID, social security and a utility bill. after a couple weeks i got confirmation that they where not going to remove them. I am so confused, thats why i am here.
Product: Vehicle loan or lease

If they sold the car it shouldnt be a balance it should be a charge off
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has 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 a account without my written instructions. 

XXXX - XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has 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 a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

this is violation of code 15 u.s. code 1681i removal of inaccurate/invalidated credit information please remove immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Phone number ( XXXX ) XXXX Account info Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$1300.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft as previously notified
Product: Credit reporting or other personal consumer reports

: This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report.. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are this revult of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

On XX/XX/scrub>/25 I contacted Equifax in regards to my ID Theft Dispute. I had provided ALL needed documents to fulfill their requirements. I also sent them through the mail. 
I was informed that Equifax is an international company by XXXX the agent who was helping me. That they do not have to follow the guidelines as set forth by the Fair Reporting Credit Act.

I have asked numerous times how the information was being verified and was told that it was up to the reporting companies to verify the information. I asked what the method of verification was and was told they proved it was the mine but could not provide what the method was. 
I asked to be transferred. I sat on hold for XXXX minutes before I was sent to another individual. I was then hung up on after speaking with the " manager ''. I could not understand what they were saying. I asked if there was someone else I could talk to and they hung up.
Product: Debt collection

I dispute this item ; XXXX XXXX on my credit reporting and the credit bureaus failed to verify this debt. I sent in my request months ago and never received a response. Ive been disputing this item that comes back as verified which is an error. I made the initial contact and was never contacted about this debt. When I contact TransUnion the agent tells me that this has been verified and when I asked about a written verification the agent claimed that I have received it which I have not once. My claim was received on XX/XX/XXXX confirmed by an agent via telephone and I have yet to get a written verification from this company
Product: Bank account or service

I recently got an account open with pnc bank. Someone was able to get my card information and use it to make an online payment to their orthodontist for {$100.00}. I called pnc bank immediately to tell them about the issue, instead of stopping the payment before it posted they allowed it to go through. Now I am out of XXXX while they take 10 business days to investigate. Most banks show since of urgency when things like this happen. The customer service representatives are rude and show no empathy. I no longer trust my money being in a bank that does n't protect their account holders accounts and sensitive information.