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

On XX/XX/2020, I contacted American Express via Mobile App chat feature. I asked " Hey, what date was my last credit limit increase? ". The response from the unnamed foreign person on chat advised me the last time I submitted a request, not when an Increase happened. I then asked the person to clarify that their response was addressing an Increase Request and not my actual question. Amex replied with " It was a request. I can go ahead to submit an increase request if you would like ''. At this time, Amex has still refused to provide me with my requested information of what date my last Credit Limit Increase was. 

I then requested the same information again. This time Amex again ignored my question and said my cards had allocation changes. I replied saying I never asked about allocations. Amex then replied with " There was no limit increase happen ''. 

At this time I requested to be transferred to an American who speaks English. The request was ignored by Amex. I then requested again, In which Amex ended the chat. 

I typed I would be filing a CFPB complaint. Then the still nameless rep offered to transfer to a supervisor .... As of this writing, that still has not happened. 

I believe Amex has abused their position of trust since I do not have access to certain account details and history. Amex also blatantly refused to provide account information as requested. I find that Amex has been in violation of 12 CFR Part 1026, 15 U.S.C. 1601, FTC laws governing the transmittance of information across state lines, and Florida Consumer Protection laws for willfully withholding information.
Product: Credit card

Hello, I as a consumer of Chase Credit card, my APR for this credit card is at 23.99 % never been late or missed a payment. Spoke to a financial manager XXXX who stated that we do not negotiate APR 's and will not lower them. This is outrageous for the consumer when my credit is excellent. I would like some action done on this as there is no reason this should be happening to good consumers as myself.
Product: Credit reporting or other personal consumer reports

I am attaching the detailed letter regarding the XXXX XXXX account number ending XXXX, in which on multiple occasions I spoke with this company to explain the reason for my late payment that had been due to a fraud issue and they told me to please send them a letter in writing explaining everything. 

This letter was received and I was notified that the account was going to be corrected then they sent me a letter explaining that they could not change this situation since they had to accurately report the report, where I express that due to fraud they should give me the necessary help since it negatively affects my credit report and my reputation.
Product: Student loan

They told me I couldnt lower my payment and I wasnt able to do A forbearance anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

This dispute is for in accurate information held against me from Chase in their database I ask that by the fair credit reporting act law they delete those in accurate files because they claim not to have access to their furniture, but they themselves are furniture, and they hold a in accurate result, but not the actual files themselves. Making it very illegal and unfair for me. Therefore, I am asking compensation. I also request for Chase after deleting those files to reconsider me and approve me for the credit card that I recently applied for.
Product: Checking or savings account

On XX/XX/2023 I deposited {$3200.00} In cash Wells Fargo. The deposit was never Posted to my account. Wells Fargo told me there is nothing they can do to help. After they did their due diligence they said I canceled the transaction and took the money out. The accusation of me canceling the deposit to totally false. 
They refuse to give me the video footage that shows that I cancelled the transaction. 
I up loaded the document Wells Fargo provided stating the ATM transaction was successful..
Product: Mortgage

Around XX/XX/XXXX XXXX deferred my mortgage payments during COVID after speaking with my previous VA representative. I extended the deferment until around XX/XX/XXXX. My VA rep had told me to request a loan modification, so I call Wells Fargo to begin the process before the deferment ended. I explained to the WF rep that I needed my payments lowered due to my home insurance and my property taxes both going up during the previous year. I did not hear from anyone for several weeks, when I did get a phone call it was from XXXX, a WF employee. The voicemails were the same ( see attached ), telling me my loan was still with an underwriter and to call if I had any questions or comments. I did not call because I had neither. Finally, in XXXX, XXXX XXXX left a msg. for me to call her, I did within about 24 hrs. XXXX informed me my mtg. was going to be about {$20.00} higher than before, I explained again that I needed it lowered, not raised. When I spoke to the VA I had a new rep who told me I did not have to accept the offer and that there were a couple of other options as well. During this time, I received emails from WF stating that my payments would be quite a bit higher ( totally different # than what XXXX had stated ). When I pointed this out to XXXX, he told me he would check on it. I received another call from XXXX telling me to forget what she had said previously, and she then read off the new details which were the same as the emails I had received. I told her each time that this was not acceptable, and she told me I didn't have a choice, it was up to the underwriter 's discretion. When I spoke to XXXX, he stated that he had been told by WF that they had reached out to me several times and I didn't call them back, which was not the case. When I asked XXXX about it she stated that the information was not true. I have not signed any paperwork and have not reached out to her again since she previously had been no help and totally ignored my displeasure. I do not want to lose my home and I know I can not afford the inflated payments. I even told XXXX I could pay on my escrow to lower that and she told me no. I spoke to XXXX a few days ago and he said that WF can take my home if I do not sign the paperwork and that he actually has no recourse at all, that he only emailed back and forth and had not spoken to anyone by phone. Please contact me as I am at my wit 's end. Thank you. I have screenshots of the VMs left by XXXX and the emails that were sent. 

Please know that I am currently on XXXX XXXX XXXX. I fell at my job XXXX XXXX and was laid off XXXX XXXX. I am a XXXX by trade and love what I do, due to the XXXX XXXX XXXX physicians and bad advice from my attorney I have little to no use of my XXXX XXXX and may not be able to work. My financial situation is due to the issues I have had with all of this. They would be happy to put me on XXXX, but I prefer to work, I am currently fighting that battle as well.
Product: Debt collection

RE : Portfolio Recovery Associates    XXXX    Acnt #   XXXX   RE : Portfolio Recovery Associates    XXXX   XXXX   XXXX    Acnt  #  XXXX   Portfolio Recovery Associates i s currently attempting to collect a {$4400.00}   XXXX    XXXX  debt ; however, although it is  XXXX  debt/collection they have it reporting as  XXXX  debts/collections, the account number they are reporting on  XXXX   &   XXXX  is different than t he one on  appearing on my  XXXX  report ; because of this, when a tri-merge is pulled it is counting as  XXXX  different and separate collections/debts.     Furthermore, the amount they are collecting on is inaccurate. I ma de 2 fin al payments to  XXXX   XXXX  prior to the account going into collections, so even the {$4400.00} is wrong too.     I simply wish f or Portfolio Recovery Associates to discontinue collection, and request whatever information it reported to whichever credit bureaus it reported it to, to be  removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting an account to all 3 credit beauraus that is not my account. I have never had a XXXX wireless account or applied for one. I sent them my ID and all the info they asked for to dispute the information but they are still reporting it as valid. Someone else opened this account in my name. 

I have disputed the amount 3 times, asking for the original contract and copies of my signature and this was never provided to me but the account debt was verified as well as called XXXX and sent them all the information they requested. I live in a completely different state than the address they report as opening the account. 
This has been going on for almost a year now. Started XX/XX/2020 I believe if not earlier.
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a loan with Big Picture Loans on XX/XX/year> for {$500.00}. I also obtained loans XX/XX/XXXX and XX/XX/XXXX. I later did some research and found the company is not licensed in Georgia, and the amount of interest they charge is in violation of the Georgia usury laws. They charged me XXXX  % annual percentage rate. The company is also not licensed with the state of Georgia to offer payday loans or installment loans. I have not taken any actions to inform the company of the violations because they said in the contract, " Unless expressly stated elsewhere in this loan agreement, no state law ( s ) shall apply to the loan agreement or the Lender ''. I was unsure if I could bring a complaint to them that is based on Georgia laws. I have also obtained two other loans from the company this year. I do not have the loan agreements for the other two loans. I looked on the website and they are not there anymore. I do have emails indicating I applied and received the loan.
Product: Credit reporting or other personal consumer reports

In reviewing my credit reports from XXXX, Equifax, and XXXX, I discovered inaccurate reporting of late payments associated with my XXXX XXXXXXXX XXXX account. Specifically, these entries violate the Fair Credit Reporting Act ( FCRA ) because I did not authorize or consent to this information being included on my credit report. 

On [ insert date of original dispute letter ], I sent dispute letters to all three credit reporting agencies ( XXXX, Equifax, and XXXX ), requesting that they delete the inaccurate late payment information. These letters referenced specific violations under 15 U.S.C. 1681b ( " Permissible purposes of consumer reports '' ) and 15 U.S.C. 1681 ( 2 ) ( a ) ( i ), which restrict the inclusion of certain consumer transaction data. 

Additionally, I emphasized that failure to delete the inaccurate information could result in legal action, including claims for defamation, negligent enablement of identity fraud, and willful noncompliance with the FCRA. I also requested updated and corrected copies of my credit reports, but I have not received any resolution or acknowledgment of my dispute to date. 

This inaccurate reporting is harming my creditworthiness, and I am seeking immediate action to resolve this issue by having the late payment information removed and updated credit reports issued.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Capital One several certified Letters asking them to Validate late payments they have showing on my Credit Reports, methods in which the use, and who are reporting them? The have yet to send me Validation according to the law.
Product: Payday loan

I have asked them not to contact me at work as I am not allowed personal calls at work and they continue to call my job.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against [ TRANSUNION ] for Repeated Violations of the Fair Credit Reporting Act and Request for Deletion of Inaccurate Account Information Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against [ TRANSUNION ] for retaining inaccurate account information on my credit report despite multiple violations of the Fair Credit Reporting Act ( FCRA ), and to request the deletion of the inaccurate account information and legal action against [ TRANSUNION ]. 
Account Information : Creditor Name :XX/XX/XXXX Account Number : XXXX Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, [ TRANSUNION ] has repeatedly failed to comply with the FCRA and has retained the inaccurate account information. This ongoing non-compliance with the law has caused me financial harm and distress. 
The violations committed by [ TRANSUNION ] include but are not limited to : - Failure to conduct a proper reinvestigation following multiple disputes - Failure to delete inaccurate information as required by Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA - Failure to adhere to 15 U.S. Code 1681i ( 5 ) by retaining inaccurate account information I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate legal action against [ TRANSUNION ] for its repeated violations of the FCRA. I am also seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that [ TRANSUNION ] ] upholds its obligations under the law. 
Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue and holding [ TRANSUNION ] accountable for their actions. 
Sincerely,
Product: Checking or savings account

I continue my XXXXXXXX XXXX account payments held through Optum Bank from payments for XXXX made directly through Optum Financial, both departments are subsidiaries for XXXX XXXX XXXX. Due to ongoing website errors and customer service errors, my monthly payments are not being properly credited to the XXXX XXXX account maintained by Optum Bank. Please see computer screen shots of both accounts ( cobra and FSA savings account ). showing payments posted to the Optum Financial but not credited to the affiliated department of Optum Bank. - XXXX XXXX. In addition, the Optum Bank has failed to issue me a valid reimbursement for the vision medical exam on XX/XX/2023 during the active dates of coverage by the XXXX XXXX account. I am owed {$72.00} from my XXXX account.
Product: Credit reporting or other personal consumer reports

Title 15-COMMERCE AND TRADE CHAPTER 41-CONSUMER CREDIT PROTECTION FTC Identity Theft Affidavit to report 4 separate fraudulent hard inquiries on my consumer FICO report. These fraudulent accounts are under the name of XXXX XXXX XXXX XXXX on XXXX XXXX, and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Consumer demands that the aforementioned fraudulent items be removed from each of my consumer reports pursuant to my rights within FCRA and FDCPA laws It is ILLEGAL to retain or report misleading or unproven info, especially considering a composed consumer complaint notifying you of said issues so please DELETE the aforementioned illegally divulged allegation ( s ) here and now.

15 U.S. Code 1681s - Administrative enforcement : Consumer reporting agencies, furnishers, and other entities subject to the FCRA must maintain robust compliance programs to avoid regulatory action.

Violations can result in investigations, penalties, and reputational damage.

15 U.S. Code 1681e - Compliance procedures The FCRA imposes several obligations on Consumer Reporting Agencies, including obligations to : ( 1 ) follow reasonable procedures to assure the maximum possible accuracy of the information in Consumer Reports, 15 U.S.C. 1681e ( b ) 15 U.S. Code 45 - Unfair methods of competition unlawful ; prevention by Commission 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. 

Removal Of All Inquires Listed Below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Approved XX/XX/year> ( 82 Stat. 146 ) Sec. 604. [ 15 U.S.C. 1681b ] ( a ) In general.Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency )
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection item was added to my EQUIFAX REPORT. This account is not on XXXX or XXXX. I believe this is fraud. Also, if the other credit bureaus aren't reporting it why is Equifax? This is fraud, inaccurate, incomplete and a violation. This is against the law and violates my rights. I provided another credit report from XXXX pulled the same day the account XXXX XXXX is not on XXXX but is on Equifax, WHY? This is not my account! 
The account appears as : XXXX XXXX  {$80.00} it shows as an open account from original creditor XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Debt collection

These are not my accts I don't know why they are on my report I have reported it and they still keep putting it on my acct without doing an investigation. I don't know what else to do so I am contacting you to see if y'all can help me
Product: Credit card or prepaid card

This is my second attempt to request a credit balance on my Synchrony Bank XXXX XXXX Credit Card. 
I called customer service numerous times, but they couldnt find my closed account for some reason. I have been asked to provide my birthday and social security number, but they cant find any information about my XXXX XXXX Credit Card, which I closed five years ago. 
Attached is my final email to the bank from the letter I received. 

Thank you, XXXX XXXX XXXX
Product: Debt collection

I have already paid off the bill, that has Been placed on my credit file, it has been removed by my other credit files for some reason they are saying that it is current, it is not current I have contacted the provider and they do not show me owing this amount because I have satisfied the amount in full. This is not correct and every time I contact the collection agency they say they will remove it has not been done, something needs to be done. I have my receipt of payment and so does the provider involved, this needs to be addressed and removed off of my credit file.
Product: Credit reporting or other personal consumer reports

Got a notification that I was late on this account XXXX XXXX XXXX XXXX I have never paid this account or open this account. This is fraud. I immediately report identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureauthe date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

IT IS CUSTOMARY AND PRECEDENCE AS WELL AS CONSURMER REPORTING PRACTICE TO NOTATE WHEN AN ACCOUNT IS IN DISPUTE. THIS ACCOUNT WAS NOT NOTATED AS SUCH, THEREFORE MANDATING THE REMOVAL OF THE ACCOUNT
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( XXXX ) are not complying with federal law regarding identity theft. Additionally, the XXXX XXXX XXXX XXXX XXXX furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Company has continued to harass me despite my attempts over the years to resolve. This debt was paid when I refinanced and evidence was provided 2 years after the debt was paid. We have since moved and discarded many those documents from 2016. I no longer have access to the escrow company to provide evidence. At this point we have issued 2 cease and desist letters as I know longer wish to go around and around - this harassment has been continued for many years. When I call to ask them to stop they refuse to listen or provide go back into their records and only tell that they have received this account from another debt collector and I need to re-send. 

I no longer wish to communicate with them and we are now past the statute of limitations.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> a wire in the amount of XXXX was sent from XXXX XXXX account XXXX to Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX The recipient claims they have not received the money and Bank of America has not replied to 5 recalls initiated by XXXX XXXX. Bank of America is holding my money and will not return it to my account.
Product: Debt collection

I have been trying for well over a year to dispute ALL accounts in my name listed at this company. They were even harassing me about it so I had to put a cease and desist. Last week I told them to lift the cease and desist because I had gotten information from some of the original creditors showing them Im not responsible, yet they refuse to answer me! They are ruining my credit!
Product: Checking or savings account

I have been a Bank of America customer for over 27 years. In XXXX of last year my husband passed away. In XXXX of last year an acquaintance of mine stole checks from my home as well as my debit card information. In the following 11 months this person used the checks and the debit card information totaling transactions of approximately {$20000.00}. 
During this time I was not alerted by the bank to any fraudulent activity although it was obvious the checks were not signed by me and the debit card spending was very unusual activity. I became aware of all this in XXXX of this year and to date the bank has not returned my money.