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

A couple of days before my XX/XX/XXXX, statement generated, I contacted Barclays Card to alert them to SIX identical fraudulent charges from XXXX, each in the amount of {$100.00} that had been made to my account in XXXX. ( On XX/XX/XXXX, 3 fraudulent XXXX charges of {$100.00} each posted. On XX/XX/XXXX, 3 MORE fraudulent XXXX charges of {$100.00} each posted. ) Before I contacted Barclays, but without ever notifying me of any breach, Barclays had already reversed THREE of those six fraudulent charges, but the bank has so far not reversed the THREE REMAINING fraudulent XXXX charges. Throughout the month of XXXX, I made multiple phone calls to Barclays to explain that they needed to reverse ALL SIX of the fraudulent XXXX charges that had been made in XXXX, not just three of them. It was obvious that the customer service representatives I spoke to each time did not have a fluent command of English and seemed to have trouble understanding the issue and lied to me, claiming the matter had been solved. In late XXXX, two different representatives wrongly claimed that the matter had been resolved on XX/XX/XXXX, and claimed that my online account interface was displaying different information as the reason why I was still seeing three fraudulent XXXX charges on my account. As a result, I decided to wait for my XX/XX/XXXX, statement, hoping it would no longer display the amount of the three remaining fraudulent charges from XXXX XXXX. Unfortunately, my XX/XX/XXXX, statement continues to show a balance due that includes the remaining three fraudulent charges from XXXX. The statement also shows that, while Barclays credited back three XXXX charges on XX/XX/XXXX, they also RE-BILLED me for those SAME three fraudulent charges that same day, XX/XX/XXXX, thus cancelling out any credit they may have tried to issue for those last three fraudulent charges. Immediately upon receiving my XX/XX/XXXX statement, I made a payment to cover the single charge of {$170.00} that I made during the most recent billing cycle. As a result, once Barclays refunds the remaining three fraudulent XXXX charges, which amount to {$320.00}, I expect to receive confirmation of a XXXX  balance. Unfortunately, Barclays has refused to take steps to resolve this matter.
Product: Credit card

I have two credit cards that I use daily. Both were working properly, and I made all payments on time without any late payments. On XX/XX/XXXX of this year, both of my credit cards were closed without any prior notice. I called customer service, but they had no idea what happened and just informed me that my credit accounts were closed. They told me I would receive a letter from the bank explaining why my accounts were closed. On XX/XX/XXXX, I received the letter, but it did not provide any reason for the account closures.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to cancel my monthly subscription to Experian credit monitoring services. They charge XXXX per month on a reoccurring billing cycle. I have called 5 days in a row and get nothing but music and long hold times. in five days I have spent 7 hours 52 minutes and have never spoken to anyone. Meanwhile, I will just keep getting billed because there is no other way to cancel. 

It 's disappointing that this is allowed to take place but companies at all.
Product: Debt collection

Diversified Consultant has never that prepared paperwork for the collections before placing it on my credit file. I send them and certified letter and email correspondence request from such information to verify the debt such as contract agreement, charges, and payment history. I have not received any thing back from Diversified Consultants to verify that debt.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX, XXXX XXXX  ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


( XXXX, XXXX CARD ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

The accounts below are reporting on my personal credit file with EXPERIAN. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The data furnisher are not complying with federal law in regards to identity theft. Additionally, the data furnisher have not provided me with 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 accounts removed from my file. 



XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Debt collection

I was out of work due to COVID so I fell behind and I feel that I was taken advantage of during such a hard time. This debt has been sold to another company and I am no longer liable.
Product: Credit reporting or other personal consumer reports

Privacy and confidentiality under 15USC 1681. 
XXXX XXXX : # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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, other than records of convictions of crimes which antedates the report by more than 7 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two concerns here. 

The first is due to all the selling and changing of accounts XXXX XXXX XXXX Changing of websites and things ending up in XXXX back in XXXX. The way i had my loan all set up for leaving town for an extended amount of time. 


I was unaware of the change at the time and i was in an extended forbearance. You can see my credit report supports this. I was without phone service most of the time and i surprisingly found out i was over two months late on a loan i was under the impression was in a forbearance. As you can see in the photos due to me registering to get electronic statements and applying for another forbearance ( which XXXX was very helpful with ) they said they could backdate my forbearance from XXXX to XX/XX/XXXX and would remove the late pays on my credit report. almost 6 years later i come to find out the 60 day late is still there and i was misled and i feel they should be deleted even if as a goodwill gesture. 
As you can see ive done what i can to keep this loan in good standing and I would hope that what i was told can be honored and the 60 day late pay can be removed from all 3 CRA. 


The other ISSUE is a bit tricky and complicated but at the heart of it beginning XXXX i started getting into the IBR program i had issues getting all the paperwork accepted and each time it would take and extra 30 to 60 days, Part of IBR is to get 3 years no interest tacked on.

Ive had issues re certifying because of the time it takes and see it isnt as simple as 3 consecutive years with no interest. However since XXXX i have had 36 qualifying payments and i think they should be honored. The average monthly interest is {$50.00}. 
even if you calculate that from month one of XXXX taking over this loan XX/XX/XXXX that is roughly {$3600.00}. The balance started at {$14000.00} and is now today {$17000.00} a difference of {$3700.00} so ive been charged OVER the full amount of interest. with 3 years 36 months of qualifying ibr payments i feel the promised 3 years no interest should be honored which would be equal to {$1800.00}.
Product: Debt collection

Below is the email I sent to Collection Bureau of America on XXXX XX/XX/2019. I followed up with another email asking for a status on XXXX XX/XX/2019. Today I saw a collection note on my XXXX XXXX account. I originally got an letter per the USPS dated XXXX XXXX from CBA ( I live in the country and pay everything on line with automatic debits, so I don't open a stack of letters but every few months, I know, crazy ) and never received a phone call saying XXXX XXXX  was sending me to a collection agency for the {$4.00} for the water cooler rental. They now want {$250.00} for several months rent on the cooler, their fees and FULL price for a water cooler ( {$170.00} ) that I have probably paid {$700.00} in rental fees for over the last 10 years and have never asked for any maintenance on. 

Below is the email sent XXXX XXXX. 

To whom it may concern, I recently received a collection letter from CBA for XXXX XXXX XXXX XXXX XXXX. 

I have never received any positive communication from XXXX   XXXX about this account status. No phone call, no certified letter, no email receipt of confirmation about this issue. 

I thought my account was being paid with an automatic withdrawal that I had set up. It turns out that debt card was canceled due a bunch of XXXX debit cards being compromised about 10 months ago ( sorry, it's easy to overlook small charges of {$4.00} ). 

I have been a customer with XXXX  12-15 years. I have paid about {$5.00} dollars a month for a water cooler lease ( 12months X {$5.00} X 12 years = {$720.00} at least ) for that time. 

I will be happy to pay what I owe ( plus interest, but not the XXXX fee of {$38.00} ). If this isn't acceptable, I have a XXXX XXXX of over XXXX. I will be glad to take it up with Equifax and TransUnion if I have a collection item show up with them, or in small claims court if needed. 

Bottom line, I would be happy to continue to be a customer of XXXX  and pay them what I owe ( something like {$48.00} plus interest ) and continue to rent a XXXX XXXX XXXX water cooler for {$5.00} a month ( this seems like a win/win situation ). This would also gain them glowing reviews on their website from me! If XXXX  wishes to terminate our relationship totally, I still want to pay what I owe, per the amount mentioned in this paragraph and they are welcome to come retrieve their water cooler at my house, just like they dropped it off XXXX or so years ago. 

Thanks XXXX
Product: Debt collection

Some months my husband and I became XXXX due to a car crash. We fell on hard times and could not keep up with our payments. Everything fell behind. My husband is still out of work for a XXXX injury but I went back to work as a Per Diem employee. I am still trying to catch up. Ive expressed to this company time and time again that I will try my best to catch up but they will not agree to a hardship. Now they have started calling me four to five times a day like clockwork to ask me for monies I can not give right now. I am being harassed and I would like it to stop. The company is CitiBank ( BestBuy ). The repeated calls started about 2-3 weeks ago at 4-5 times daily. The numbers that call are ( XXXX ) XXXX and ( XXXX ) XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items is listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. 

In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : Creditor : XXXX XXXX  CC- Account : XXXX**** Creditor : XXXX XXXX- Account : XXXX**** Creditor : XXXX- Account : XXXX-XXXX**** Creditor : XXXX  XXXX  XXXX- Account : XXXX**** Creditor : XXXX XXXX  XXXX - Account : XXXX**** Creditor : XXXX- Account : XXXX**** Creditor : XXXX/XXXX- Account : XXXX**** Creditor : XXXX- Account : XXXX**** This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

OnXX/XX/XXXX I opened a Chase XXXX Rewards Visa Prepaid card. My prepaid card was closed a few days later by Chase Bank. Chase supposedly issued me a refund check for a {$100.00} my initial deposit. I never received this refund check. I was suppose to get it by XX/XX/XXXX. 

I have called several times and went to the local Chase bank to resolve this issue with the banker that opened my checking account onXX/XX/XXXX. Which was also closed a few days later by chase. I was able to get my money back from the checking account. Not the prepaid XXXX reward card. 

I'm getting the run around. Calling or going inside the bank is a waste of time. I just want my refund check reissued to me again since I didn't get the first check issued.
Product: Debt collection

I have done several online and written disputes with XXXX and XXXX credit bureaus to remove portfolio recovery who are not authorized to collect in the state of TX and with whom I have no contact. I also sent a cease and desist letter to PR but they have refused to comply. I only received an itemized bill when I asked for validation with my signed signature agreeing to a contract with them.
Product: Credit card or prepaid card

XX/XX/22 XXXX at XXXX. My wallet was stolen, including my credit card, debit card and ID prior to this purchase. I reported my credit card stolen and my ID and debit card stolen. When I noticed this charge it wouldve been impossible for me to have purchased these items when I was at work responding to the hospital at that time, also the laws the number that theyre providing as proof that I made this purchase is not below the number that I have not only that but Im positive that they have camera footage of the person using my card at check out or when being checked out by one of their associates. I have provided an example of what my loyalty number is versus the one that they did provide it in a statement.
Product: Debt collection

I sent for validation of the debt to this agency, it's been over sixty days and they just ignored me. Yet they are reporting three duplicate accounts on my credit. I do not owe this.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 I was one of the potentially affected accounts by the Equifax security breach. According to equifax its possible that names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers have all been comprimised and I 'm now vulnerable to Identity theft.
Product: Debt collection

I received a summons for a credit card debt that does not belong to me and this company is trying to take me to court for something that is not mine and i want them to stop contacting me by mail and phone. This is not even my name on the paperwork.
Product: Checking or savings account

I have gotten a letter from Bank of the West, telling me 2 months later to repay them {$200.00}, which they claim was credited to a checking account that they had already advised me to close back in XXXX of 2022. They haven't bothered informing me about the my account status, by specifically mentioning any transactions, ( still pending, or for what amount ) while I was at the bank, but waited 2 months later, to get me to pay {$200.00}. Who does that? What bank operates in this manner?
Product: Student loan

XX/XX/2022 : A payment of {$300.00} was made. 
XX/XX/2022 : A payment of {$290.00} was made XX/XX/2022 : A payment of XXXX was made XX/XX/2022 : A payment of {$280.00} was made XX/XX/2022 : A payment of {$280.00} was made XX/XX/2022 : No payment was made ( Paid previous month ) XX/XX/2022 : A payment of {$530.00} was made Above are the payments made to the private loan service : Sallie Mae My problem is that my loan keeps going up each month and there has been NO LETTERS, NO EMAILS, NO PHONE CALLS About this change, I've called the company multiple times ; Begging them to work with me and enroll me in reduced payments. 
There answer was simple : I have " exhausted '' all of my options and the only option I have now is to pay everything in full. 
This is absolutely killing me financially, mentally and emotionally. 
This loan has caused so many set backs and issues that it has started to effect my life in the worst way possible. 
PLEASE HELP ME
Product: Checking or savings account

I can not open a checking account and the 'Chex Systems Inc ' that denied me wont tell me why without trying to harvest and sell all my personal info. 

Yall are getting played like chumps by these banks and online companies. 

There should be a single use code on the sheet they gave me or something, I shouldn't have to give them valuable information for them to tell me if someone stole my identity or not. 
I knew it was fishy when they wouldn't tell me why. So I called them. 

And when I call them I can hear their dogs barking in the background and I'm like ( paraphrased ) '' are you selling my info? '' and the lady is like ( literally ) " well, uh... no... '' And so I was like " bruh, you got ta lie better than that. You got ta just say no next time. '' and she didn't say anything. 
Finally after like 30 more seconds of her trying to jerk me around I asked her. 
" So your just here to jerk people around and tell them to go XXXX themselves, you're not gon na help me at all are you. '' and basically she thanked me for being in good humor and laughing about it, then hung up.
Product: Mortgage

We got affected by hurricane Maria. 
I filed for FEMA and was denied assistance because my mortgage includes home insurance.

I contact the bank ( First Bank de Puerto Rico ) and they forward my information to the insurer ( XXXX ) I receive a visit from the insurance inspector on XX/XX/2017 and am told the process should take no longer than 2 months to hear back from them ( the insurer ) It's been almost 4 months since and EVERYTIME I call XXXX I get hung up. I call the bank and they tell me I have to contact XXXX directly.
Product: Mortgage

1-Improper notification of transfer of loan when transferred from XXXX XXXX to Shellpoint as servicer for new owner-caused us to get behind on payments because new payment address was not given ; XXXX XXXX excepted 2 payments and forwarded to Shellpoint, but payments beyond 3 were not forwarded ; XXXX XXXX informed us of the transfer, but Shellpoint did not notify us in the required time 2-Shellpoint sent notices dated with post-marks/meter stamps a week or more after notice date ; we received a notice today, XX/XX/XXXX, dated XX/XX/XXXX 3-Inconsistent application of payments and statements ; In XXXX, a payment was sent for approximately {$1200.00} matching the amount on a recent statement ; the next statement had a balance around {$1100.00} ; 3-it is difficult to understand the activity on the Shellpoint website ; when the previously mentioned {$1200.00} payment was broken up and an additional approximate {$270.00} was applied to the principal ; it was difficult to confirm that a payment was not received for XX/XX/XXXX 4-After a period of unemployment and under employment in early XXXX, we went through Consumer Credit Counseling and qualified for a HEMAP Loan with the PHFA ; we paid the HEMAP Loan off and continued to monitor our credit ; we are in the process of refinancing this mortgage after increasing my credit to a level that would allow for refinancing 5-On a recent inquiry, we learned that Capital One owns New Rez which owns Shellpoint, which probably should have been worthy of notification ; at first, we thought XXXX  XXXX was the owner, but, on another inquiry, another firm was listed as the owner ; no notification of a transfer and the inquiry is still pending 6-The payment due showing on the Shellpoint website was paid today, XX/XX/XXXX