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

Double payments were made to the credit card account ( credit card issuer is Barclays US which manages the GAP Rewards card ). Subsequently one of the payments was stopped at the Bank. However, the credit card company is still carrying the balance as unpaid when there are no balances to be paid.

1. Date of double payment - XXXX XX/XX/2022 amount paid were {$8800.00} and {$9000.00}. 
Balance on the account went into refund position due to above ( {$8600.00} ) 2. Reported double payment to Credit card company on XXXX XX/XX/2022- they were unable to reverse one of the payments as it was done online through the web portal. Was advised to ask the concerned payment Bank ( XXXX ) to stop the amount. 

3. Spoke to the XXXXXXXX XXXX concerning the double payment and asked for the XXXX to be stopped. XXXXXXXX XXXX stopped the XXXX - reversing the payment amount of {$8800.00} on XXXX XX/XX/2022. 

4. the management of the credit card was transferred from XXXXXXXX XXXX to Barclays bank by GAP management adding to the confusion as it appears the customer balances were not properly carried over from XXXX to Barclays XXXX 

5. Reported immediately in XXXX / XXXX / XXXX XXXX through multiple calls to Barclays credit card team the issues and a payment case ( XXXX ) / consumer complaint case ( XXXX ) was generated. I explained the entire issue how they are missing the refundable balance from the XXXX XXXX when the account was trasnferred from XXXX to Barclays causing the entire mismatch. 

6. Barclays Bank disregards all the explanations and hasnt resolved the payment case till now but moves the account to Debt Collection.

7. I have recieved multiple debt collection calls harrowing for payment since XXXX despite no balance due to paid. 

8. This debt collection has impacted my credit history and my credibility with my lenders- infact this has led to a higher interest rates on my new mortgage i had taken in XXXX besides causing ireparable XXXX  agony and harm. Still the problem has not been resolved. Consumer is holding the bucket here for something which he doesnt have any control - account transfer between Banks on taking over of the relationship and issuing of new credit cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with Fair Credit Reporting act. The listed accounts below has violated my federal proctected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX 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 states a consumer reporting agency can not furnish without my written instruction 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Mortgage

I am a XXXX tax exempt veteran, I along with the City of XXXX have submitted the proper documentation to the Loan Company on more than one occasion, and they have yet to properly adjust my mortgage payments. The taxes stopped coming out in XX/XX/XXXX or XX/XX/2016, I received a refund from the Loan Company, and the XXXX. Then in XX/XX/XXXX the Loan Company paid a tax disbursement to the City on my behalf for the XXXX and XXXX Quarters, and resumed having my mortgage reflect the taxable amount. I have called LoanCare on more than one occasion, and I keep being told that it will be taken care of. That I will receive a refund, and my account will properly adjusted. Another month is passing, and it has not happened yet. When I called today, I was told to give it 10 business days, I explained that the last time I had called more than 3 weeks prior, I had been told the exact same thing, that it would be resolved in 10 business days. I am fed up with the handling of my loan, especially a VA Loan!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX, and XXXX are continuously adding items that were removed from my credit back on my report. In addition, inaccurate origin dates on a few accounts.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint against XXXX, XXXX, and TransUnion for their blatant disregard for the Fair Credit Reporting Act ( FCRA ), specifically their failure to complete their investigations into disputed credit report items within the required XXXX period as mandated by XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ). These credit reporting agencies have demonstrated a clear pattern of noncompliance and negligence, causing undue harm and financial stress to me as a consumer. 

VIOLATIONS BY CREDIT REPORTING AGENCIES : Failure to Investigate Disputes Within XXXX  Days : Pursuant to XXXXXXXX XXXX  XXXX ( a ) ( XXXX ) ( A ), credit reporting agencies are required to complete their investigations within XXXX  days of receiving a dispute. Despite my timely and detailed submissions, XXXX, XXXX, and TransUnion have failed to meet this statutory obligation. 

Failure to Provide Timely Notice of Investigation Results : In accordance with FCRA guidelines, the agencies must provide a response to the consumer with the results of their investigations. I have not received any such correspondence within the legally required timeframe, further compounding their violation of my rights. 

Failure to Ensure Accuracy in Credit Reporting : These agencies failure to comply with FCRA standards has resulted in the continued reporting of erroneous, unverifiable, or incomplete information on my credit report, including but not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Account Number XXXX XXXX  XXXX XXXX IMPACT OF THESE VIOLATIONS : The continued presence of erroneous and unverifiable information on my credit reports has caused the following damages : Defamation of Creditworthiness : The inaccurate data has impaired my ability to access credit on favorable terms, subjecting me to financial discrimination. 

Emotional Distress : The agencies negligent actions have caused undue stress, frustration, and anxiety. 

Financial Harm : XXXX interest rates and denials of credit applications have resulted directly from their failure to comply with XXXX investigation timelines.
Product: Checking or savings account

This complaint is about Umpqua Bank 's nicety policy of prematurely crediting a fraudulent check of {$2300.00} the next day, even with insufficient cash in my account and my first name as the payee was spelled wrong. This practice contrastswith those of major banks which usually reject the check or put the check on hold until the funds are available. Theirpractice has helped a scammer run away with nearly {$2000.00} taken from my checking account. I have already filed a police report on XX/XX/21 immediately after the incident. 

I wrote to the CEO twice ( on XX/XX/21 and XX/XX/21 ), asking him to forgive the {$2000.00} charged to myaccount because the fraudulent check bounced. The response to my first letter was made in the usual bureaucratic fashion by their so-called Consumer Insight Department . There was no response to my second letter when I repeatedall the misstepstheyhad made. This nicety policy of Umpqua Bank is like treating you to a good dinner using your own money. What a devious treat!
Product: Debt collection

I want to inform you that I have never done any type of business with this company that claims that I have any type of debts with them. I do not know and repudiate the action of this company that in the first place violates 15 USC 1692 e ( 9 ) by making a false representation that they have some type of business with me. 2. violate 15USC1692e ( 2 ) ( a ). Mentioning the legal status of an alleged debt.

3.Violation 15 USC 1692e A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : 4.Violation 15 USC 1692e ( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer.

5. Violation 15 USC 1692c ( a ) 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. 
6. Violation 15 USC 1692d ( 4 ) The advertisement for sale of any debt to coerce payment of the debt.

7. Violation 15 USC 1692c ( b ) Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, Please be advised that I have received your computer-generated RESPONSE stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have submitted information that " was not in your file ''. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. You were advised by me on ( XX/XX/2022 ) by the CFPB PORTAL XXXX  XXXX ) that I questioned the accuracy of a few items on my credit reports. That complaint was written by me and submitted by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. Here again is the incorrect information being reported : 1. XXXX XXXX XXXX XXXX XXXX XXXXXXXX This account is inaccurate and must be deleted. This is the original account that STILL REMAINS ON MY CREDIT REPORT THAT XXXX IS ALLOWING TO BE REPORTED AGAIN BY XXXX XXXX 2. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX account number XXXX**This is a duplicate account and must be deleted. 3. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX account numbeXXXX XXXXXXXX This is a duplicate account and must be deleted. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint dated ( XX/XX/2022 ) is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Credit card or prepaid card

On XX/XX/22 I used my Capital One credit card to buy a plane ticket for my husband on XXXX The ticket cost {$1200.00}. It was a ticket to fly from XXXX, XXXX to XXXX XXXX XXXX XXXX, XXXX. After buying the ticket, I contacted XXXX XXXX ( the airline flying the second half of the itinerary from XXXX to XXXX to XXXX ) about a separate matter. During that phone call I was informed by the airline the XXXX was not allowing transit through the country. At that point, I contacted XXXX to see how they could help us change the ticket or give us a refund since the ticket they sold us was not usable. They refused to help in any way, only offering us a {$10.00} refund on our $ XXXX ticket. As this seemed unacceptable and just wrong, I then went on to contact Capital One and dispute the charge. I worked with them for over a month on the dispute. I called several times, sent them all the documents they asked for and more, took all of their advice and did everything possible to work with them so they could help me. At first they credited my account and made me feel very comforted that they were on my side and would help me, they agreed that what XXXX did seemed wrong. However, after XXXX responded to the dispute and refused to refund the money, Capital One took back the credit, closed my case because I hadn't canceled the ticket ( which I had been told not to do by them ). I asked to continue the dispute and canceled the ticket at that time based on their advice. After that, Capital One once again closed my case and said they couldn't help because XXXX followed their policies and therefore, they could not do anything to help me anymore. I called to try to keep fighting it but was continually told that they couldn't/would n't do anything else. So even though XXXX sold me an unusable ticket and refused to make things right, because they " followed their policies '', Capital One also would not help. I have reached out to both companies multiple times and have gotten nowhere. Capital One is supposed to protect me from fraud and fight on my behalf, however, because I followed their advice, I can't even go back to XXXX and ask them for more help because I already canceled the ticket. I appreciate your help with this complaint. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a fraudulent CBE GROUP/XXXX XXXX account on my credt. Please see the attached FTC report and remove it from my Credit. I have contacted CBE group and they have marked the account as FRAUD and yet they are continuing to report on my credit.
Product: Checking or savings account

I had multiple overdrafts from wellsfargo with fraud and i was responsible for having to pay these. no investigation was ever done, wellsfargo closed my account and open a new account I had the same issue when I asked if I could speak to the fraud department i was told they will call me and know every did. my money was missing via on line by the app.. I never received statements or texts msg about my account. I just recently received a correspondence from wellsfargo that my address was updated on Saturday XX/XX/XXXX  i called and person i spoke to was rude.
Product: Credit card or prepaid card

I have sent the Right to Rescind, Affidavit of truth, & All accounts prepaid affidavit on the XXXX of XXXX, delivered on XX/XX/XXXX. Credit Card balance of $ XXXX.I received a notice stating my account will be closed XXXX/XXXX/22 as I stated clearly I'm accepting for value and returning to the sender extinguished as a Mutual offset credit exemption settling & satisfying the account NOT CLOSE.
Product: Debt collection

Radius Global Solutions LLC reported two new collections with all three credit bureaus as a new debt that was opened in XX/XX/XXXX. I disputed the collections due to me not having a debt, relationship or communication with this company. XXXX investigated my dispute and returned a report that the debt was verified and updated. The information per the report stated the account is from XXXX with XXXX XXXX XXXX. I do not recall this debt from XXXX and an additional negative impact to my credit report is Radius Global Solutions LLC reported the debt twice as two different amounts both for XXXX XXXX XXXX. To be very clear, I have NEVER been contacted either by phone or mail from this collection agency or any other agency about a debt for XXXX XXXX XXXX from seven years ago to present ; however, two collections was added to my credit report in XX/XX/XXXX by Radius Global Solutions LLC resulting in a decrease in my credit score with all three agencies and the negative impact of having two new collection accounts. Unfortunately, I do not have any documentation because this is an unknown debt to me. I'm assuming Radius Global Solutions LLC verified my address or name, which satisfied XXXX investigation probe. Totally unacceptable.
Product: Credit reporting or other personal consumer reports

I have connected Experian on numerous occasions within the current year of XXXX informing them that my information on my credit report such as name and address does not exists and I would like for it to be removed. Experian has informed me that it was removed. I ran my credit on XX/XX/XXXX and the same information is being listed on my credit report that is not me or non factual. 

Name ID # XXXX listed on my credit report is not my name and I would like it removed and anything attached to it be removed. I contacted Experian over 5 times within the year XXXX and informed them this information is inaccurate and not me and Experian told me they would remove it. 

Address ID # XXXX is not my address, I never lived there and the address is non existence, I would like it removed off my credit report and anything attached to it. I contacted Experian over 5 times within the year XXXX and informed them this information is inaccurate and not me and Experian told me they would remove it. 

XXXX XXXX XXXX is reporting on my credit account inaccurate information, the balance is stating XXXX. The original creditor is XXXX XXXX, XXXX XXXX is reporting on my credit numerous times with a balance of XXXX. This same account is being reported 3 times on my credit. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX is reporting multiple times on my credit report. It is reporting as XXXXXXXX XXXX XXXX and also XXXX with the same balance as XXXX. It is the same company. It should not be reporting twice. I contacted Experian and disputed this and they ignored my concern and failed to tell me why the same company is reporting multiple times on my credit report. 

XXXX XXXX  In XXXX XXXX has been in a repossession class action lawsuit and I would like this removed off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE CONTACTED XXXX XXXX SEVERAL TIMES ABOUT THEM REPORTING ACCTS THAT ARE PAID OFF, THEY ARE REPORTING THEM AS A BANKRUPTCY AND UNDER WRONG INFO. THEY EVEN SENT ME PROOF SHOWING THESE XXXX ACCTS ARE PAID IN FULL BUT THEY KEEP REPORTING INACCURATE. 
I WILL SUBMIT INFO SHOWING PAID FOR BOTH ACCTS. ALL INFO ON THESE TWO ACCTS ARE INACCURATE..

ACCTS INFORMATION THAT IS REPORTING FALSE : XXXX. XXXXXXXX XXXX XXXX ACCT # XXXX XXXX. XXXXXXXX XXXX XXXXXXXX XXXX ACCT # XXXX THEY ARE REPORTING FALSE TO BOTH XXXX   REPORT AND EXPERIAN..
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to file a dispute with Transunion. Their website is not processing disputes ( circular loop ) ; their listed phone disconnects the caller after a series of options.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 23 late pays on mortgage from Carrington. The payments are auto deducted. We have complained repeatedly and nothing done. I need a loan today and I cant get it because of this XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am filing a formal complaint against Equifax, XXXX, and XXXX for failing to correct inaccurate information regarding late payments reported on my credit report for the XXXX XXXX XXXX account ( Account Number : XXXX ). Despite multiple requests for correction, including letters dated XX/XX/XXXX, and XX/XX/XXXX, the errors remain unresolved, constituting violations of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Discrepancies and Errors Identified Inaccurate Late Payment Reporting Late payments for XXXX and XX/XX/XXXX, and XX/XX/XXXX, are inaccurately reported as " 30 days late '' across XXXX, XXXX, and Equifax. Payment confirmations provided in previous disputes demonstrate that these payments were made on time. 
Data Inconsistencies Across Bureaus : The closed date is missing from XXXX and Equifax while accurately reported as XX/XX/XXXX, by XXXX. 
Payment statuses are marked as " current, '' yet late payments are still incorrectly reported for certain months. 
Equifax adds unnecessary remarks stating, " Closed or paid account/XXXX balance Auto, '' which is not consistent with XXXX and XXXX. 
Violation of 15 U.S. Code 1681i : The FCRA requires credit reporting agencies to verify the accuracy of reported information. Despite providing supporting evidence during the dispute process, the inaccuracies remain uncorrected.

Violation of 15 U.S. Code 1666b : The creditor is required to provide periodic statements at least 21 days before payment due dates. The incorrect reporting of late payments suggests non-compliance with this requirement.

Violation of the Truth in Lending Act ( TILA ) : These errors violate TILA provisions that emphasize accurate and timely disclosures to consumers, resulting in undue harm to my creditworthiness. 
Account Details with Errors Account Number : XXXX High Balance : {$10000.00} Date Opened : XX/XX/XXXX Closed Date : XX/XX/XXXX ( missing from XXXX and Equifax XXXX Account Status : Closed Payment Status : Current Errors in Two-Year Payment History : XX/XX/XXXX : Incorrectly reported as " 30 days late '' XX/XX/XXXX : Incorrectly reported as " 30 days late '' XX/XX/XXXX : Incorrectly reported as " 30 days late '' Impact of Inaccurate Reporting These inaccuracies have caused significant harm to my creditworthiness, leading to denying credit opportunities and financial distress. Additionally, the failure to correct these errors undermines the reliability of the credit reporting system. 
Desired Resolution Immediate removal of the inaccurate late payment notations for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from my credit reports with Equifax, XXXX, and XXXX. 
Written confirmation from each credit bureau stating that these corrections have been made. 
If this issue is not resolved promptly, I will escalate my complaint further, including filing additional complaints with relevant regulatory agencies and exploring legal action under FCRA and TILA. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the student loan XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX accounts with Experian for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal
Product: Credit card or prepaid card

On XX/XX/XXXX and XX/XX/XXXX two fraudulent charges hit my Avant credit card account. I called customer service, the canceled my card. To date I have received nothing in the mail and the charges have not been resolved. On XX/XX/XXXX I received an email notification that my email address had been changed. I called them again. No one gave a $ hit that someone has hacked my account, again! Then on XX/XX/XXXX I received a letter in the mail Dated XX/XX/XXXX that someone had changed my mailing address. I called the fraud department who transferred me back to the incompetent people who you CAN NOT UNDERSTAND in customer service. I told her I wanted a manager and that I would be complaining to this agency. She put me on hold and conveniently I was disconnected. Called back again! Got an email address for a XXXX in fraud to contact. What a joke!
Product: Credit card or prepaid card

suddenly {$50.00} have pending I did not authorize when I call my card my XX/XX/2021. Pending. XXXX