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

On XX/XX/XXXX I was about to purchase a ticket through XXXX XXXX when I received an offer that the ticket would be lower if I applied for the XXXX XXXX credit card offered through Barclays. If I was approved the first year annual fee of {$99.00} would be waived, I would receive the lower flight fare, and if I charged a certain amount within 3 months, I would accrue a points for future travel with XXXX XXXX. Despite my stellar credit score greater than 800 for over ten years and rare inquiries, I was denied and paid the full fare for my ticket. 
XX/XX/XXXX, I received an email that my application had been approved. 
XX/XX/XXXX, I found that statements to my permanent address for the {$99.00} annual fee and that it was past due. I contacted the customer service number where the representative stated she would 'waive the annual fee this year ' even though that was the terms that I had applied for : waived first year annual fee. 
Early XXXX, I noticed that my XXXX score on the Barclays website had dropped but did not know why. 
XX/XX/XXXX, I accessed my credit bureau reports and saw the late payment which caused my XXXX score to drop 100 points was because of Barclays. Not only had they sent a statement for the {$99.00} which was supposed to be waived the first year under the terms of their marketing ploy for a discounted airfare ticket, but they also reported me as being late for a fee I should not have been charged with in the first place. 
XX/XX/XXXX I sent a message to my Barclays website account and requested that the information be removed from the credit agencies as it was false. 
XX/XX/XXXX, I received a set of instructions that I needed to contact Barclays FCRA mail address with my dispute. I was also told I needed to provide additional information ( such as phone number which I declined as I wanted exchanges in writing and to protect my privacy and selling of my information ). 
XX/XX/XXXX dated letter from Barclays ( envelope not dated ) that they have reviewed my dispute and and 'agree to change the information that has been reported '. 

Although my case was corrected, I am reporting Barclays as they 1. falsely advertised ; 2. incorrectly reported me to the credit bureaus ruining years of hard-earned credit-worthiness ; 3. imposed on my  time to track their errors and correct them. 

I am also writing to alert the CFPB of Barclays practice to protect others that may not have the language, knowledge, or resources to follow all the criteria Barclays requires to correct their errors which would be damaging to other consumers and create increased and false fees and higher interest rates for other consumers.

Last, I want to alert CFPB to Barclays marketing ( fishing? ) schemes to defraud consumers by baiting them with fares ( or other incentives ) which they have no intent to follow through on but use as a means of gaining credit card users to obtain their cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested XXXX XXXX XXXX failed to provide me with competent evidence that I have any legal obligation to pay you for over two years ( first reported XX/XX/XXXX ), and have failed to do so. Experian and XX/XX/XXXX continue to report invalidated information on my credit report. which might constitute fraud under both Federal and State Laws. Which they both return notices the debt is VERIFIED, not validated. I have asked to submit proof since XX/XX/XXXXr of last year XX/XX/XXXX, and the debt collection agency has not. Proof I needed The agreement with your client that grants XXXX XXXX XXXX XXXX XXXX the authority to collect this alleged debt. Any signed agreement debtor has made with debt collector, or other verifiable proof debtor has a contractual obligation to pay debt collector. Copy of any agreement that bears the signature of debtor, wherein he/she agreed to pay creditor. Copies of all statements while this account was open. FDCPA entitles you as a consumer to validate a debt when a collection agency demands money from you. If a collection agency cant validate the debt, the credit bureau can not list it as a negative mark on your credit report. The notices i recvied dated XX/XX/XXXX, was a notice of my dispute of inaccuracy of the debt, but if fact it was not, but for validation of the debt. The company has never provided this information, has had over two years to provide this information, well over the 30 days
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against the company XXXX, in the month of XXXX  I applied to process credit cards of my clients, I am a XXXX  and this company destroyed my financial life, they closed my point, the worst thing is that I delivered the product and they They blocked the money, according to them I made a violation, I wonder what violation I made so big for working that they reported me in the match, however now I can not work, nobody approves me a point because of this company, but this is not It will stay like this, I will demand them to destroy my financial assets and make me lose my job. demand comes out, you have no right to destroy the life of a human being, I am an American city and I know the laws and I will have to pay every penny I have lost for having gotten in the match, I know them very well. you destroyed my life now they demand, destroy me and leave me without work
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several verification letter via to Equifax. They never responded. I filed a previous CFPB complaint XXXX. They opened a investigation and shortly closed it with verify the account. In the CFPB I asked for Validation of Debt and HIPPA Authorization. Please provide a breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until debt has been validated by me. None of that was provided. Withholding the information they received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because they will be deceiving me after my written request. They are violating my FCRA rights! 

Account in dispute listed below : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of a charge-off account on my credit report that I believe contains multiple inaccuracies. The account in question is associated with XXXX  XXXX XXXX, and here are the details .Please delete this acount
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I called XXXX XXXX XXXX to close my account and I paid my balance off in full. When I closed my account, there were no remaining charges. 

In XXXX, after receiving a bill in the mail saying that I was late on a payment, I called again to confirm that my account was closed. I was then told that my account had not been closed, which was very frustrating. The person I spoke to removed the charges that had accrued. He also told me to follow up in two weeks to ensure that the derogatory late payment remarks were reported as an error to the credit bureaus. I was told then it was taken care of. 

Currently, the late payments for XXXX and XXXX are still on my credit reports, even though XXXX XXXX XXXX recognized the mistake that had been made on their part by continuing to keep my account open. One representative I spoke to listened to past recordings from my conversations where XXXX -- XXXX XXXX admitted to the error and said they would remove the derogatory late payment remarks. I have written to them and filed disputes with the credit bureaus and XXXX has not yet reported the correct information to the credit bureaus. 

I also received a letter from XXXX -- XXXX XXXX datedXX/XX/XXXXthat says my account balance has been {$0.00} since my last payment of {$350.00} on XX/XX/XXXX. The late payment derogatory marks being reported to the credit bureaus are from XXXX and XX/XX/XXXX. If I have had a {$0.00} balance since XXXX, how could I have late payments in XXXX and XXXX of that same year? 

Thank you for your help in this matter.
Product: Money transfer, virtual currency, or money service

On XX/XX/17 received e/mail stating a e-card frm macys was transacting a purchase via paypal. Transaction # XXXX. Notified XXXX. It was I believe {$25000.00}. I trashed the e-mail.
Product: Credit reporting

I have disputed many times in the past but it has not done any good. This company continues to provide inaccurate or outdated information to prospective employers which has limited my employment opportunities. 9 months ago i received a copy of the report that employers get and a couple of weeks ago I saw a report with the same outdated and incorrect information. I have asked for my report and received what i consider a fake copy that is dramatically different from the one employers get. This company has been successfully sued a few years ago for this same practice. Just recently they have settled a lawsuit for the same practice of providing XXXX different reports, XXXX to the employee and XXXX to the employer. The terms of the settlement as far as i understand it is we are to receive a maximum of {$200.00}. This is unacceptable. Last time i received over {$5000.00}, i deserve at least that and more. I can not send a copy of the report because it is too large.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit Reporting act XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX # XXXX has violated my rights. 15 U.S.C1681 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 account without my written instructions.
Product: Consumer Loan

I sent Wells Fargo a certified letter on XX/XX/2016 for validation and proof of the account that they 're claiming that I had with them for a auto loan. Wells Fargo has failed to provide me with the necessary information proving the burden of proof that the account belongs to me within the XXXX days by law that is allowed by the FCRA. They 're reporting twice on both XXXX and XXXX for the same account but with different amounts and XXXX using the name Wells Fargo auto finance and the other using XXXX Services. This is totally unacceptable and against the law and a violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, My name is XXXX XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the Equifax data breach and might are becoming into the fingers of the wrong person.
Product: Credit reporting or other personal consumer reports

There are several inaccuracies on my consumer report that i would like removed all names and variations of any names should not be present on my credit report under the name section I would only XXXX XXXXpresent on my consumer report. no other names. There are several non mailable addresses that I can never be reached at on my consumer report that i would like removed. only the address XXXX XXXX XXXX, MI XXXX should be present on my account Accounts XX/XX/XXXXHave the derogatory remarks that i want removed pursuant the laws that protect me the consumer found in 15 U.S. Code 1681a remarks : - '' Payment Status Charge-off '' - 30 days late XX/XX/XXXX, XXXX, XXXX. XXXX, XXXX - 60 days late XX/XX/XXXX - 90 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Hard Inquiry Per 15 USC 1681 Permissible Purposes, I want this hard inquiry removed from my consumer report XX/XX/XXXX Inquiry : XXXX. XXXX, XXXX XXXXXX/XX/XXXXXXXX XXXX is reporting a collection account onto my consumer report that is identifiable by the following information On XXXX XXXX this account is listed as XX/XX/XXXX # XXXX Placed for collection : XX/XX/XXXX Balance : {$430.00} Date Updated : XX/XX/XXXX Original Amount : {$430.00} Original Creditor :XX/XX/XXXXXXXX ( Banking ) Past Due : XX/XX/XXXX Account Type : Open Account Individual Account Open Account XX/XX/XXXX On XXXX this account is listed as XX/XX/XXXX Original creditor : XX/XX/XXXX, Balance {$430.00} Balance updated XXXX XXXX, XXXX Original balance {$430.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$430.00} past due as of XXXX XXXX. Status updated XX/XX/XXXX On XXXX its reported asXX/XX/XXXX Opened XXXX XXXX, XXXX ( 4 yrs, 5 mos ) Account status Open Type No Info Responsibility Individual Account. Remarks Consumer disputes after resolution Collection account Original Creditor Name No Info according to the FCRA, Section 623, It is not lawful for a collection account to be reported in the status of Open if this account is being reported as a collection this account should be is closed. This account must be removed based on the false and misleading reporting stats of reported as an open account. As a consumer based on 29 CFR 500.6 - Accuracy of information, statements and data & 28 CFR 20.37 - Responsibility for accuracy, completeness, currency, And integrity.i am asking that this inaccurate information be removed Immediately
Product: Mortgage

On XX/XX/year>, I contacted BSI Mortgage about my online mortgage statement dated XX/XX/year>, which showed a monthly payment of {$2800.00}. I had not received the escrow analysis by mail, email, or online. I spoke with a representative named XXXX, who confirmed an escrow shortage of {$1300.00} based on an escrow analysis conducted on XX/XX/year>. She assured me that the escrow analysis would be mailed, and I later received it. 
During the call, I informed XXXX that I intended to pay {$1300.00} to maintain my previous monthly payment of {$2600.00}. This payment was processed from the checking account I provided on XX/XX/year>. 
However, I subsequently received a letter dated XX/XX/year> indicating an escrow shortage of {$22.00} and a new monthly payment of {$2700.00}. On XX/XX/year>, I contacted BSI again and spoke with XXXX, who stated that a new escrow analysis had been performed on XX/XX/year>. She also claimed I had made an additional payment of {$22.00} on XX/XX/year> but advised me to disregard the letter. 
I questioned how I could have authorized a second payment of {$22.00} when the additional escrow analysis was performed on XX/XX/year> ( see letter ) and my only prior call to BSI after XX/XX/year> was on XX/XX/year>. 
I informed XXXX that I did not authorize a second payment of {$22.00} on XX/XX/year>. My bank records show only the single authorized payment of {$1300.00}, with no record of the additional payment. XXXX explained that because the escrow shortage was less than {$600.00}, the loan could not be amortized to reflect my previous monthly payment of {$2600.00}. 
I believe that the representative, XXXX, improperly split my payment into two transactions within BSIs system, which prevented the adjustment of my monthly payment to the desired amount. I never authorized or made a second payment of {$22.00}, nor did I receive a second escrow analysis.
Product: Credit reporting

Transunion deleted XXXX XXXX for {$160.00} because the company agreed to it. Now it has been re-reported. The debt is not mine. In addition, Transunion is reporting credit inquires that do not belong to me and do not constitute fair use. I have had XXXX credit pulls in 2015. There should be no hard credit inquires on my report from 2015. This is harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted credit company about reporting Inaccurate information, company has not reported in 3 month which is hurting my credit. I have disputed this account multiple time and has can back as accurate.
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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 


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: Student loan

At XXXX on XX/XX/2022 I called Sallie Mae in an attempt to lower my monthly payments or put my account into deferment. I was transferred to someone in a special department who enrolled me into a rate reduction program. I was told my original payment of {$450.00} would be reduced to {$210.00} for two years. I gave my first payment for XX/XX/2022 over the phone and enrolled in automatic payments for that amount. It was taken out of my account that same day. I was even read an agreement and agreed to terms on the phone and agreed to {$210.00} to be automatically taken out of my account monthly. I was on the phone for a total of XXXX minutes with Sallie Mae representatives on that day. 

On XX/XX/2022 I received an email that I was behind on my payment. I thought it was for sure a mistake. I got on the Sallie Mae chat in the app and told the agent it must have been a mistake and explained the above. The agent however stated that there was nothing on my file regarding a reduced payment program and that my payments would still be {$450.00} a month. 

I am a XXXX XXXX XXXX  student starting clinical rotations with random hours throughout the day. I can not get a job due to being a XXXX XXXX XXXX student and can not afford the whole payment. I was so relieved when the agent enrolled me in the reduction payment program and this has caused me significant XXXX  agony and XXXX as I'm trying to study for my board exams coming up. I hope there is a recording from Sallie Mae to prove that I was told that I was enrolled in the rate reduction program for 2 years.
Product: Credit reporting or other personal consumer reports

I received a copy of my payment history with XXXX XXXX but they only reported the account to Experian and not all three bureaus but the information reported is inaccurate, the information shows that the account is still open and its not and i have documents to prove that its closed already and paid on time
Product: Mortgage

I had an escrow analysis, it said my escrow was deficient {$500.00}. I paid {$700.00} to keep from paying the interest they tried to charge me. On my statement, it says they are refunding {$210.00} instead of allowing the money to sit in the account. As my loan servicing company, they should not being charging me interest on my escrow, unless it is deficient the funds. I spoke to my county tax office and they said they have not yet determined the amount of the tax increase for this year. I added extra money to my escrow and my principle and they are still trying to raise my mortgage payment on a fixed mortgage, but no one can tell me why the large increase on my mortgage. I do know, the property tax can not raise more than 3 %, my insurance hasn't changed yet either. Why art they stealing from me? Could you please help me understand.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX have been trying to correct many errors as well as duplicate accounts on my report and it has been over 30 days with no response and also with no corrections so by federal law if they are unable to verify the information in 30 days or less then they must delete it. Also per federal law 15 usc 1681i ( a ) ( XXXX ) ( a ) they must delete the information being disputed while the investigation was ongoing and they failed to do so. As a federally protected consumer please help me in enforcing my rights to proper fair and accurate credit reporting. Thank you
Product: Mortgage

My loan was bought out by Seterus and they underestimated my escrow ( taxes and home owners insurance ) and sent me a bill each month for 9 months for the underestimated amount. Finally, they sent me a letter telling me that I had to pay {$2000.00} to bring it current. 
I refused and paid {$220.00} then {$100.00} or more per month. And now I believe my balance is only {$48.00}. But they claim that it is more and are threatening me with foreclosure.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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