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

On XX/XX/2020 I received an email for a Barclay - jetblue Plus credit card with an offer for XXXX bonus points by spending {$1000.00} and paying the annual fee both within ninety days. The offer was enticing and I immediately applied online. 
On XX/XX/XXXX I received a congratulations email welcoming my account. On XX/XX/XXXX the card was activated. I met their financial requirements and but did not receive the bonus points they offered despite more than meeting their requirements. 
I called Barclay in XXXX inquiring why the points were not applied. I was told they will look into it and on XX/XX/XXXX I received a letter from them stating only : " We're currently unable to assist you with your Rewards issue ''. No other reasons were included. 
The card is JetBlue Plus by Barclays last four digits XXXX telephone number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX CC Doc 1 Email offering Doc 2 Congratulation welcoming Doc 3 Card is active Doc 4 letter from Barclay
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a dispute with XXXX asking for verification of accounts on credit report, I received a letter stating the accounts were verified and when sent a second letter asking for results from verification ie : who was it verified with, name of persons that verified the information. nothing was provided back besides a letter stating it was verified and would not pursue further. Transunion removed/deleted a collections account from my credit report and without any notification stating it would be added back on or anything else the att collection was added back under XXXX for {$1400.00} XXXX XXXX XXXX has been asked for verification on debt owed and HIPPA letters has been sent to them and it has been more than 30 days and they have not sent anything.
Product: Debt collection

I am  XXXX   XXXX  Military and I received orders to   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  . I lived at  XXXX   XXXX  Apartments. Upon moving out  XXXX   XXXX  asked for a forwarding address and I explained that I had a   XXXX   XXXX   XXXX    and I did not have a good address but I still had to provide  one  anyway. I told them my number would be the best contact method if needed.   In  XXXX  I received a letter from  Professional Debt Mediation s aying I owed {$240.00}, this the first and only letter I have received from them. I then wrote a letter back to validating the debt. Once I found out it was from  XXXX   XXXX  I called them to see what was it for and why I was not informed. I spoke to  XXXX  and he explained everything it was a left over water bill and he felt bad that it was n't passed down to call me since they mailed out some notices and sent an email that must have went to spam and he tried to get the account back from  XXXX  but could not. So Instead he had them note the account to take away the fee brining the balance down to {$180.00} and to delete all negative reports on my credit in which they agreed to do so.   On  XXXX   XXXX  I called  XXXX  and was sent to  XXXX , I explained that I wanted to make payment and that the account should be noted to be deleted once the payment has been received. He said he would have to call  XXXX   XXXX  to confirm they could manually delete the debt and asked if the number I called him on was a good number to call back, I then told him no it was not and gave him my cell phone number.   Then I received a phone call on my " Work '' phone from  XXXX  stating that  XXXX   XXXX  agreed to the " Payment for deletion '' and if I could make a payment now, I then asked him to send the letter and I would call to make a payment and he asked for my email address and gave me his direct extension. I work at a  XXXX   XXXX   XXXX   XXXX  with people around me constantly trying to join the  XXXX  so giving out my card info over the phone I was not comfortable doing.   After telling  XXXX   I wo uld call back he then called my Work '' phone again and said he spoke to someone at  XXXX   XXXX  and it needed to be resolved now, I then told him that earlier I told him I would call back and that he keeps calling my work phone and I do not have my card on me ( it was in my car ). He then said " so you dont have the money '' I repeated that I do have the money but I did not have my card on me and he keeps calling my work phone and that I told him not to and I would call him once I got off of work. He then said he needed payment today before  XXXX   XXXX  and I said again that I did not want him calling my job and I would call him once I got off. He then stated that he was withdrawing the offer to remove the negative report from my credit report despite what he sent me in writing and what was agreed on with  XXXX   XXXX .   I truly felt harassed and embarrassed while trying to put kids in the military and I have a debt collector harassing me and arguing with me in front of applicants trying to join the military.
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 {$10000.00}, {$0.00}, {$5700.00}.

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, Section 611, 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 ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX/XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account.
Product: Debt collection

THE CHARGE OF {$500.00} DATED XX/XX/XXXX FROM XXXX XXXX/XXXX   DOES NOT BELONG TO ME. I HAVE CALLED THE CREDITOR NUMEROUS TIMES IN REMOVING THIS AND I HAVE BEEN TOLD THAT THEY HAVE PROCESSED THE REQUEST TO HAVE IT REMOVED AND STILL HAVE NOT DONE SO. THE CREDITOR KEEPS SELLING THE DEBT TO A DIFFERENT DEBT COMPANY TO REMAIN ON MY CREDIT REPORT. THIS IS A ISSUE I HAVE BEEN GOING THRU FOR THE PAST FEW YEARS AND CLEARLY THE CREDITOR HAS APPLIED THIS DEBT FRAUDULENTLY ONTO MY CREDIT AND KEEPS SELLING IT OFF TO APPEAR AS IF IT IS A RECENT DEBT. 
MY CALL LOG IS AS FOLLOWS- XX/XX/XXXX CALLED TO INFORM CREDITOR THE DEBT DOES NOT BELONG TO ME WAS TOLD IT WILL BE REMOVED XX/XX/XXXX CALLED CREDITOR, WAS TOLD IT WILL BE REMOVED THE AGENT WAS RUDE AND ENDED THE CALL ABRUPTLY ONCE SHE INDICATED IT WILL BE REMOVED AND THERE WAS NO NEED FOR ME TO KEEP CALLING XX/XX/XXXX FILED A DISPUTE WITH EQUIFAX TO REMOVED XX/XX/XXXX FILED AGAIN A ONLINE DISPUTE WITH EQUIFAX .
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Experian Dispute over inaccurate information on my credit report as a late payment. The complaint began for the entire month of XXXX & now still dealing with issues in the month of XXXX. 

The complaint is that a payment can not be late, if the payment was made on XX/XX/XXXX, before the due date of XX/XX/year>. Experian continues to list the 30 day past due designation for the month of XXXX. Experian corrected the dispute on XX/XX/year>, but then a week later reinstated on XX/XX/year>. This affected my credit score and bad designation on my credit report. 

XXXX states ND and XXXX states 30 days past due ... ... .... 

Again, how can a payment be late if paid 12 days before the due date on XX/XX/year>. Issues is that Experian with horrible customer service- they allow an automated machine to resolve problems and then when you do finally get to speak to someone after several calls, they hang up on you. Horrible customer service. 

XXXX XXXXXXXX - horrible credit card company ... ..again where the problem began and first reported misinformation and then shifted that misinformation into the following month, while advising the card holder that was nothing they could do when they caused the problem.
Product: Credit card

This has happened twice, last month in XX/XX/2023 and this month of XXXX, the problem is making a payment. I usually make my monthly payment before the due date of the XXXX to coincide with my pay period which is issued on the XXXX each month or the XXXX if it's the weekend. I paid early my monthly payment for XX/XX/XXXX due date on the XXXX with my new prepaid debit card issued by XXXX XXXX. through their retailer, PLS, my payroll and my son 's SSI and XXXX  pay goes to the account in my name as I am his authorized payee. Discover card never told me I couldn't use the prepaid card to make a payment, I just so happened looked to see if the payment posted on the XXXX and it had not but a notice of a return payment fee had been applied as well as a late fee, {$40.00} and {$30.00} respectively, for a total of {$70.00} which decreased my available credit and notated my account with a late payment. Next day, the XXXX, I immediately went to the PLS Check Cashiers and made the payment at the store through bill pay. 

I contacted the customer service line, an Agent then told me I couldn't use my prepaid card, the number or routing and account number to make a payment but would remove the total {$70.00} in fees from my account NEXT BILLING CYCLE! 

The information stating that the cardholder had to use a big bank was nowhere on the application information section and now I run the risk of being reported as a late payment when in actual I paid early then paid again on the due date once the original payment was rejected via a method that was supposedly authorized but they just didn't process the bill payment until several days after the XXXX, my due date but I had my receipts.
Product: Credit card

I've always made sure to pay this account on time, never letting it become overdue. I'm uncertain why there are reports of late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be rectified.
Product: Prepaid card

Received a {$500.00} Amex gift card. Have not been able to use anywhere online or in stores. I've tried adding the card to my XXXX XXXX  but all purchases have been declined thus far.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I recently conducted a review of my credit report, and I noticed that your agency showed credit inquiries that should not be listed. 
The inquiry was made by Factual Data/XXXX on XX/XX/2018 and I have no recollection of doing any business with Factual DataXXXX. I did not consent or give any authorization for my credit report to be viewed by your company. 
Please investigate these inquiries, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness.

Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 
Thanks for your prompt attention to this matter,
Product: Student loan

When I applied for loan through my college in XX/XX/2003, I was told by my loan company being XXXX that I would have XXXX loan for the full amount. They blatantly lied to me and actually issued me XXXX loans for the total amount. As I was making payments on XXXX loan the other XXXX were going delinquent and therefore affecting my credit rating very heavily and even caused the other XXXX to go into collections without my knowledge until it was far too late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit agency and the company themselves on numerous occasions since XXXX XXXX, 2020. I have both electronically and in writing by mail, submitted my identification documents, proof of address, identity theft reports and additional documentation. I also received notice that this account would be zeroed, deleted from my report and the title to the said vehicle sent to my address. 

The account has been refused to be blocked even after notification of my request for it to be blocked and still reports a $ XXXX balance. This was dealer fraud and the contract is not legit. I was also told I had to purchase a service contract if I wanted the vehicle by the sales manager along with the loan being written when I hadnt taken possession.
Product: Checking or savings account

I received a promotion offer of 400 $ for opening a new checking account with Regions Bank in XXXX XXXX. I have met the opening requirements for eleven months and have not received the bonus of 400 . I have called and visited their customers service for more than times and they told me I qualified the promotion offer and met all the requirements. But I have not received the bonus to date. Therefore, I am requesting Regions honor the offer and award the bonus to my account. Thanks.
Product: Debt collection

XXXX XXXX known as XXXX XXXX XX/XX/XXXX opened multi accounts in-store branch -shortly after they were seized and closed down by law enforcement Govt. 

XX/XX/XXXX closed CD dep acct which I did n't fill with funds they did for {$1000.00} dollars in order to rebuild credit they say. Paid monthly XXXX dollars set up arrangements installed. Shortly, after closing bank down which I never received notification that they were closed or seized by the Govt,  XXXX XXXX /XXXX XXXX put the CD dep acct ending XXXX on my all credit bureaus as if owned {$960.00} dollars installed. Not true, after which, received a letter about no longer obligated to acct as it is closed no further action needed and received a XXXX credit on the same acct. Online shows bal XXXX cents XXXXX-17 therefore, making a tremendous dropped in my credit score of 143 points down from XXXX to XXXX unable and denied credit and apt housing when needed XXXX XXXX XXXX. Called spk to mgt yesterday said they will notify XXXX and all bureau o this fact and correct info.
Product: Money transfer, virtual currency, or money service

My account was suspended and I have a {$40.00} balance that I can not transfer out! I my bank.
Product: Vehicle loan or lease

XX/XX/year> I ask them to lower the payment and they didnt and they wont come get the car Im stressed out about it
Product: Credit reporting or other personal consumer reports

This is my second time I'm disagreement with the account listed below with my credit report still appearing, even after your investigation. I would like item immediately- re-investigated. the inaccuracies are highly to my credit score. 

XXXX XXXX XXXX XXXX in accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Sections 611, please provide the name and business addresses of each individual with whom you verified above so that I may follow up. Please send an updated copy of my credit report after your re-investigation.
Product: Credit reporting or other personal consumer reports

Reviewing my credit report I observe that I have several inquiries in my report which I do not recognize or have I authorized to make, so I kindly request that they be removed from my credit report. 

XXXX XXXX CBNA CBNA, XXXX XXXX XXXX XXXX XXXX, SD XXXX XX/XX/2023 CBNA CBNA, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XXXX XXXX CBNA CBNA, XXXX XXXX XXXX, XXXX XXXX, SD XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Continental Credit Control is illegally re-aging a debt to make it appear more recent that in it is. The original delinquency date was XX/XX/XXXX ( see attachment ). They are reporting the collection open date as XX/XX/XXXX and updating the date of last activity every month to make it appear more recent than it is. This is a clear violation of the FCRA and is illegal.
Product: Credit card

I had a dispute in the amount of {$240.00} with XXXX XXXX on my card ending in XXXX with the merchant. The most recent dispute reference number is XXXX. I detailed in the most recent dispute that the merchant was contacted to attempt to resolve this problem and they ignored my contacts. The merchant was supposed to fix a check engine light and did not do so, and I was billed. American Express is refusing to honor the Fair Credit Billing Act in refusing to provide a credit for services not properly rendered. American Express has not given me ample opportunity to tell my side of the story and refuses to refund the charge when a refund is due.
Product: Credit reporting or other personal consumer reports

To : XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT REMOVE THIS INCOMPLETE & INACCURATE ACCOUNT DUE TO VIOLATIONS OF THE FCRA ACCOUNT IS NOT % 100 COMPLETE AND ACCURATE ACROSS ALL CREDIT BUREAUS!!! Closed Date : XX/XX/XXXX IS WRONG DATE!!! INACCURATE The " Closed Date '' on this Account is Completely Wrong, its over a year off, They Changed my Closed Date Multiple Times Negatively affecting the Time it stays on my report. 
ACTUAL REAL CLOSED DATE IS XX/XX/XXXX. 
THEN THEY CHANGED CLOSED DATE TO XX/XX/XXXX, THEN THEY CHANGED CLOSED DATE TO XX/XX/XXXX. 

Two-Year Payment History : INACCURATE & INCOMPLETE The absence of information in the " Two-Year Payment History '' section is notable. If there have been payments or activities within the last two years, they should be accurately reported. 

Dispute Status : INACCURATE & INCOMPLETE Dispute Status says NOT IN DISPUTE, even though I Disputed this account countless times due to WRONG CLOSED DATE & other Inaccuracies.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, TX, XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX, TX, XXXX Incorrect Name : - XXXX XXXX XXXX Employer - A FISRT NAME BASIS Incorrect DOB : - XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX DEPT OF ED/XXXX  - XXXX DEPT OF ED/XXXX  - XXXX Listed below are the Collections that are being challenged XXXX  XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX - XXXXXXXX XXXX XXXX XXXXXXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Debt collection

XXXX/XXXX/2020. Spoke with Stillman Law office. I called in to try and make a settlement with them. They denied settling with me and also let me know that there was a judgement agianst me that I was never informed of. They threatened to garnish my wages, threatened to garnish against my home and threatened to garnish my tax refund. These people do not even have my name correct and the claim is innacurate.
Product: Debt collection

Rozlin Financial just opened a debt t on my credit report as collections .... this account was taken off my credit report as a bankrupcy years ago and now they opened it again ... it was through XXXX ....
Product: Money transfer, virtual currency, or money service

{$2100.00} were wired out of my bank account without my knowledge. I have no idea who stole this from me but whoever it was, emptied my bank account and I was left with no money. My bank account Chase, did not do anything about this claim, they just closed it. I need to recover this back somehow.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/year> To : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Re : Dispute of Late Payments on Account # [ XXXX, XXXX, XXXX, XXXX, ] Dear Sir/Madam, I am writing to dispute the late payment ( XXXX ) reported on my credit file under the account referenced above. After reviewing my credit report, I have reason to believe that the reporting of these late payments is inaccurate, incomplete, or unverifiable. 

In accordance with Section 609 and Section 611 of the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate this matter thoroughly. Under Section 609 ( a ) ( 1 ) ( A ), I am entitled to receive a full disclosure of the information being reported and its sources. Furthermore, as per Section 611 ( a ), if this information can not be verified within the required timeframe, you are obligated to remove or correct it.

Additionally, under the Truth in Lending Act ( TILA ), creditors must properly disclose information, and I believe there may be discrepancies in the manner these payments were reported. I demand the immediate investigation of this matter and request documentation that substantiates these late payments. If you can not provide such documentation, the inaccurate information must be deleted from my credit file in accordance with the law. 

I expect this matter to be resolved within 30 days, as stipulated by the FCRA. 

Thank you for your attention to this important matter. 

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

I have a XXXX XXXX overdraft line. Recently I received a report from the credit bureaus that XXXX XXXX reported me late to the credit bureaus. When I login to the XXXXXXXX XXXX  online banking platform, the bank is clearly communicating there is NO balance due ( See attached screenshot ). It was only because of my son, however, that we were able to figure out that if I click " Pay Now '' ( again, the balance and everything on that page gave no indication a balance was due ) I could then see that there was an absolutely minuscule {$6.00} balance of interest that had to be paid. No mail was sent to me alerting me of this past due balance, either by paper mail, email or phone call. The only attempt that I saw come through was lodged in my spam folder from a XXXX XXXX on the XXXX day of being late. Here is the message : " Hello XXXX, I hoping to speak with you. Could you please call me back at XXXX or at the Main Number XXXX? Thank you. '' This message does not convey any urgency, nor does it say I should contact XXXX XXXX to avoid any negative credit reporting. It could be a marketing request for all I know.
Product: Credit reporting or other personal consumer reports

I have no ties to these inquiries or the creditors listed.