23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is a 2nd request for calculations of debt. The company state based in ledger but just inputed information. First, I signed option 2 on lease but the company charged me option 1 which is {$3200.00} and on ledger. The company made adjustments as shown on ledger when asked for calculations but never provided the actual calculations. Imliable for difference what I owe and they obtain from release.

Florida Lease Termination Law 83.595Choice of remedies upon breach or early termination by tenant.If the tenant breaches the rental agreement for the dwelling unit and the landlord has obtained a writ of possession, or the tenant has surrendered possession of the dwelling unit to the landlord, or the tenant has abandoned the dwelling unit, the landlord may : ( 1 ) Treat the rental agreement as terminated and retake possession for his or her own account, thereby terminating any further liability of the tenant ; ( 2 ) Retake possession of the dwelling unit for the account of the tenant, holding the tenant liable for the difference between the rent stipulated to be paid under the rental agreement and what the landlord is able to recover from a reletting. If the landlord retakes possession, the landlord has a duty to exercise good faith in attempting to relet the premises, and any rent received by the landlord as a result of the reletting must be deducted from the balance of rent due from the tenant.
Product: Consumer Loan

I have a 48 month auto loan with Westlake Financial Services payment of {$370.00} which is due on the XXXX of each month at the end of my 48 month term with a balance of {$900.00} which was due on XXXX/XXXX/15 on XXXX/XXXX/15 I only paid XXXX of the balance because of the high balance that all I had. And I told them that when the call kept coming every day XXXX a day or more after the XXXX of XXXX. They said the call will continue every day unless I hold it with a credit or debit card and told them every day that I will make the final payment when I receive my XXXX check on XXXX/XXXX/15. The call continue and I answers everyone and answer every question concerning my address it same thing everyday from the home phone to the ceil phone which I ask them to remove over a year ago because the ceil verbal and in writing. These past 21 days been a nightmare
Product: Checking or savings account

I noticed purchases on my Wells Fargo debit card from a merchant I have never used or heard of on XX/XX/2022. I did not authorize these transactions. I filed a debit card fraud claim on XX/XX/2022. There was a total of 35 fraudulent transactions from XXXX. The total amount of fraud was {$7500.00}. 

On XX/XX/XXXX Well Fargo denied my claim. I requested to talk to a supervisor and requested an appeal. My request was denied. I was told there was nothing he could do and the decision was final. Their reason was it matched previous purchase patterns and they were not able to recover the funds from the merchant. 

I have never done business with the merchant in question. No one else is authorized to use my card. My card never left my possession. 

Since Wells Fargo wasn't able to recover the funds they're holding me responsible. I feel like my money is unsafe being stored at Wells Fargo at this point. Not sure what else I can do. Please help and thank you!
Product: Credit card or prepaid card

I have two credit cards with Chase, XXXX and my Amazon Chase credit card XXXX. 

I changed my mailing address for XXXX card but am not able to apply the change of mailing address to my XXXX card through the web site. 

Chase 's online messaging through their web site doesn't work. 

I emailed them but have not heard back. 

However, I did receive an email from Chase " We posted a new notice or letter to your Chase Mobile app at chase.com/statements. Here 's what it's about You'll see an update or a request to take action. '' Yet I did not see anything in 'notices and letters ' : " You don't have any notices or letters. '' Questions : ( 1 )  Why did Chase send me the email? What document does it refer to? 
( 2 ) Please change my mailing address for amazon credit card XXXX to the same PO Box mailing address as my XXXX credit card.
Product: Debt collection

I received a notice from Online Information Services XXXX Inc. regrading an attempt to collect a debt in the amount of {$150.00}. I have never lived at the address of record that the electric service was billed for in XX/XX/2020. I contacted OIS and they instructed me to file a complaint here, file a police report, and then send an email to reliant with a fraud affidavit and police report attached.
Product: Debt collection

This a collection account that showed up on my credit report and i have no idea where it came from, it showed up once on XX/XX/2020 then disputed the collection and they removed it from my credit report, then on XX/XX/XXXX it showed up again and I tried to dispute it with XXXX but they wont remove it, i think its a fraud debit, the amount is XXXX dollars i think for a hospital in Florida, I never went to Florida Please remove it from my records
Product: Checking or savings account

I deposited a check XXXX and the locked me out my account and the said the cant verify me and I need my money
Product: Credit card or prepaid card

On XX/XX/2022 I received an increase by Capital One without requesting it. The problem I have is I have an excellent credit score and Capital One raise my APR to a high 27.24 %. I believe this is a discriminatory practice based on my race. My increase was based on my credit score and this high apr doesn't make since. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have written letters to Transunion and XXXX about inquiries on my credit report back in XXXX. It is now XXXX and I have heard anything back from them about the unauthorized inquiries on my credit report. I sent another round of inquiry dispute letters the end of XXXX and still nothing. The inquires on my report I have no knowledge of and didnt do them. It is hurting my score having the inquiries on my report and getting no help is very stressful.
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. 

XXXXXXXX XXXX # XXXX, XXXX XXXX XXXXXXXX, DEPT OF ED/XXXX  # XXXX 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. 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Checking or savings account

My savings account with Apple / Goldman Sachs has been frozen, leaving me unable to access my funds. 

Multiple attempts to remedy this via their support channels have been unsuccessful. 

Currently Im waiting on a telephone call from their ID verification team but they have no time estimate on when I can have access to my funds. 

Theyve previously verified my ID via phone call only 1-2 weeks ago when a similar problem arose with my attached credit card and so I have little confidence that unlocking my account will provide me with stable access to funds. 

This has been incredibly disruptive and I plan to withdraw all money from the account the moment Im able to.
Product: Debt collection

In XXXX of 2020, mid pandemic, and unemployed, I set up automatic payments to pay my credit card debt to my amazon synchrony bank card. I frequently made additional payments to the {$65.00} automated payment, until XX/XX/XXXX, when I paid the remaining balance in full of {$79.00}. For a few days my account was considered closed and no more payments could be made. I was satisfied. I see later that the creditor had continued to attempt to take money out of my bank account. I eventually received a refund check of {$65.00} for the first attempt. It continued multiple times a month in the same billing cycle that they tried to take {$65.00}, usually over-drafting my unemployed-esque credit union account. 
At this point my paperless mobile statements were inaccessible, as the account was legitimately paid off and closed for a period of time. I couldnt access all of these transactions on my end, while an agent poorly assured me that no more payments would be taken out on there behalf. 
A week later, XX/XX/XXXX, my amazon store card balance was {$81.00} and some change. I spoke directly to synchrony bank, where they assured me a payment of mine from XXXX did not process, although it showed that it did on my end. She said the {$81.00} balance was valid. I settled with that because I just wanted the card out of my business and for them to stop calling. That same day, my transaction history shows that they charged a late fee, refunded said late fee, charged {$65.00} and then interest. A week or so after, I check my store card and now the balance is {$180.00} with a minimum payment of {$100.00}. I simply can not fathom paying this, when I was paying it OFF in XXXX. 
I have exhausted all conversation with their company. They continued to call me multiple times a day, leave voicemails, and now text me, all weeks before its even due. Yesterday, I received an email, phone call, and text, all within the hour, reminding me of this money I owed. All of this is happening while I am unemployed, trying to make ends meet. I had to close my credit union account because the only transactions were synchrony bank taking money I didnt have, multiple times a month. Ive been working for months to repair my credit and synchrony bank is making it impossible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to this credit bureau numerous times to have them remove inaccurate and unverifiable information on my credit. This company fails to comply. All that I am asking for is proof of debt, which is my right as a consumer. They refuse to send proof of debt which they are supposed to have in order to report this on my credit. They continue to say that the following items are verified and when I report them to you all they want to act clueless like they have no clue what I am referring to. I am reaching out this last time before I file a lawsuit against this credit bureaus as well as the creditors. XXXX  is the only credit bureau that has complied and removed everything that they couldnt verify. How is it that XXXX  couldnt verify it but XXXX  and Transunion can, something isnt adding up. Again I will be filing a lawsuit against this company & requesting that they pay the XXXX fine for violation of the CFPB as well as for time and money waisted to get this corrected. I am asking them to provide verifiable proof of the following account XXXX XXXX XXXX ACCT # XXXX XXXX XXXX/XXXX XXXX ACCT # XXXX XXXX XXXX/XXXX ACCT # XXXX XXXX XXXX  XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX. I have attached proof that the other bureaus have removed some of these items due to not being able to verify the inaccurate items. Im asking them to provide proof and or method of verification if they cant provide these things Im demanding they remove them immediately
Product: Credit reporting or other personal consumer reports

I reviewed my credit file and noticed a fraudulent account.
Product: Credit card or prepaid card

My complaint has to do with XXXX XXXX- purposely lowering the credit limit on two of my credit cards ( XXXX & XXXX XXXX. As evident in my account history, my monthly payments on the foregoing cc 's were delinquent for a couple months. Regardless, as soon as I started making $ XXXX/ {$300.00} pyts to get caught up and to pay down my balances, I received multiple pieces of correspondence ( some attached ) stating that they were lowering my credit limit. I can prove the direct correlation between payments I have made and credit limits being lowered on each credit cards { if need me, I can obtain a timeline from my account online and/or the CFPB can acquire that data from XXXX XXXX directly }. 
In addition to this unilateral action on behalf of XXXX XXXX, they mailed me correspondence indicating same, however, the limits mentioned in their letters were not representative of the " actual limits '' on the card at the time as the limits were acutually lower than the amounts mentioned in their correspondance. As a matter of fact, they were lowering the limits so quickly that their mailings could not keep up with the actual account status. 
I have never experienced a credit card company that actually " monitored customer payments '' made on accounts and then, purposely lowered the credit limit in response to same. Beknownst to XXXX XXXX, by partaking in this activity, they are aware, that credit scores lower as there is no disparity between the balance on the card ( carried ) and the actual limit. 
My XXXX credit limit was initially {$2400.00} and is now {$1900.00} ; XXXX XXXX credit limit was initially {$1800.00} and then {$1200.00} and, when I logged on the other day ( see attachment XXXX to their site, it said " {$0.00} '' credit limit. I called XXXX XXXX / XXXX and they stated, you elected the 'hardship program'- I stated, NO, nope, NO- never did that. They then stated they would put the credit limit back -? 
[ no telling how much my credit score suffered when the balance was $ XXXX+ and the credit limit was {$0.00} ; such flagrant actions have direct credit impacts on customers ' FICO scores ] In closing, I am aware of credit card companies lowering credit limits but not in " direct response/correlation '' to payments made. The limits were lowered on BOTH cc 's a variety of times, subsequent to payments made, in order to keep the 'balance in close relation to the limit'- otherwise, why was it done? 

If this " practice '' on behalf of XXXX XXXX if not in direct violation of the FDCPA, I don't know what is.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian have been reporting my student loans as late but the loans have never been late because they have always been in forbearance. It been damaging my credit file for years and over the late year I been disputing and theyre coming back 100 % accurate I will include documentation showing the date in question the loans are in forbearance. Its no need for them to correct the information I would like for Experian to remove theses accounts for violating FCRA laws. How can you be reporting a account 90 days late before you report it 30 days late for example XX/XX/XXXX the loans are reporting on time then in XX/XX/XXXX they are reporting 90 days late.
Product: Credit card

I AM FILING A COMPLAINT TO HOME DEPOT CREDIT CARD, BECAUSE I PREVIOUSLY FILED A FRAUD DISPUTE SINCE SOMEONE ELSE STOLE MY CREDIT CARD AND MADE MULTIPLE FRAUDULENT PURCHASES. I CALLED THE BANK TO REPORT THE TRANSACTIONS IN XX/XX/year> BUT I STILL DO NOT SEE A SOLUTION FROM THE BANK, I HAVE REVIEWED MY CREDIT REPORT AND IT SHOWS MULTIPLE LATE PAYMENTS ON CREDIT,
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, XXXX XXXX, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Debt collection

XXXX Date XXXX-19 Amount XXXX I could not have opened account was XXXX XXXX at XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of account 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 Section 602 A section 1 : States that I have the right to privacy.

15 USC 1681 Section 602 A section 2 : It also stated a consumer reporting agency can not furnish an account without my written instructions.

15 USC1681c ( a ) ( 5 ) section : states no consumer reporting agency may make any consumer report containing any of the following items if information. Any adverse items of information other than records, of convictions of crimes which abtrdates the report of 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: Credit card or prepaid card

Received a communication from Chase stating as a new benefit they will reimburse cost of XXXX precheck registration. 
I live 170 miles from nearest registration site. Happened to be in XXXX XX/XX/XXXX. Which saved me a 340 mile round trip. When I received my statement with no credit was toldI should have read the fine print benefit doesn't start until XX/XX/XXXX!! 
Very misleading practice.
Product: Credit card

About a year and a half ago, I began noticing strange transactions on my XXXX and Capital One cards. The charges primarily involved XXXX and XXXX transactions. We immediately reported that these transactions were not being made by any one in our household but every time we would get credit back to our cards, the bank would charge it back. All charges were made under my sons old XXXX account and when we called XXXX regarding the situation, they told us someone hacked into the account and was using my sons identity. We have had countless conversations with the banks regarding the fraud charges but have gotten nothing back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a written request that all addresses on my acct be removed except the current address. There are several names, addresses and identifying information that is not correct on my credit file. this practice by CRAs has been allowed to continue and nothing is ever done and no action is taken holding them responsible. Transunion has refused to correct personal information, and picks and chooses what it wants too based on a loose set of rules that are unfair to consumers and NO action can be taken! There is nothing a consumer can do. I have provided competent proof of the errors and Trans Union refuses to correct the file and force companies to provide REAL VALADATION of debt. Just because you can verify my address and name that doesn't mean a debt is mine. Where is the signed contract? The system is unfair and unjust. someone needs to hels accountable!
Product: Credit reporting or other personal consumer reports

XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint against TransUnion for Violation of FCRA Dear Sir/Madam, I am writing to file a formal complaint against TransUnion for what I believe to be a violation of the Fair Credit Reporting Act ( FCRA ). 
I had previously contacted TransUnion on XXXX regarding a Bankruptcy on my TransUnion credit report that is not mine. As per the FCRA, I requested detailed information and documentation related to their investigation of my dispute. However, despite my repeated requests, TransUnion has failed to provide the necessary information and documentation. 
This lack of transparency and failure to provide the requested information is, to my understanding, a violation of the FCRA. The FCRA clearly states that consumers have the right to know the information in their file and the right to dispute incomplete or inaccurate information. 
Furthermore, due to TransUnion 's non-compliance with the FCRA, I have been unable to secure credit. This has caused me significant financial hardship and distress. I believe that TransUnion is liable for monetary damages due to their violation of the FCRA and the subsequent impact on my ability to secure credit. 
I kindly request the Consumer Financial Protection Bureau to look into this matter and take appropriate action. I am hopeful that your intervention will ensure that TransUnion complies with the FCRA and provides the necessary information and documentation related to their investigation. 
Please find attached copies of my correspondence with TransUnion for your reference. 
Thank you for your attention to this matter.