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

I reached o ut to Barclay 's  Bank fo r my Barclay Arrival Card at  (  XXXX  )  XXXX  on  XXXX   XXXX ,    2017  at  XXXX   XXXX  to inquire about  two  times my interest rate increased an d one ti me it was decreased on my variable APR. The reason I was aware of this is because a third-party application called  XXXX  notifies me when such changes occur. Upon speaking with the representative I informed them that my interest rate was increased in  XXXX  and  XXXX  this year, yet I had not received a formal notice in regards  to this. The one t ime it was decreased,  XXXX  I believe, I had requested it and a formal letter was sent to my address on file. I was perplexed as to why I would not receive a letter or e-mail besides my normal statement to indicate when my rate would increase. After much back and forth I spoke with a supervisor that informed me that interest rate increases were due to the recent hike s by the FOMC in each month. This statement made it much clearer to me why I received the two interest rate increases. However, there was no formal communication of this from Barclay card. The response I   received from the supervisor was " Do you expect us to notify all of our millions of customers? '' At first I was taken aback and somewhat agreed. After having thought abut it though I am sure there are some guidelines that may have been provided under the Dodd-Frank Act or that are required by the CFPB. Please clarify what they are if any. Thank you.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated from erroneous reporting in my file are listed on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

My Capital One Auto Fin acc # XXXX I finance a XXXX XXXX XXXX XXXX  on XX/XX/XXXX for XXXX with 16.31 % ARP for 78 months. As of XX/XX/XXXX I paid XXXX and the balance was XXXX. On XX/XX/XXXX my vehicle was flooded by hurricane XXXX in Nj. My insurance company declared it a total loss due to the extensive electrical damages. The insurance settlement was XXXX. Capital One Auto Finance took the entire settlement and expects me to continue making payments of the difference of XXXX as if I still have possession of the vehicle. During the settlement process I needed a vehicle so, I borrowed some money from a friend with the expectation of getting some money back from the settlement. I now have another vehicle and a new car note. I can not afford two car notes. In the letter Capital One Auto Fin sent me they made it appear as if I was in an automobile accident, which is not true. My vehicle was damaged due to a natural disaster. To date they have received XXXX in 36 months and are expecting me to continue until they get XXXX in less than 78 months. This is unfair, I am not rich therefore I can not pay them. I dont want my credit to be messed up because of this matter. Please Help Sincerely, XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

XX/XX/2023 {$2300.00} title loan was taking out Im currently living in the state of Louisiana this company is charging me 97.8 % of interest which is illegal
Product: Debt collection

I had a mamogram at XXXX XXXX on XX/XX/XXXX ; albeit, I had insurance at the time, they refused to cover the expense. I didn't have the full amount to cover the debt and eventually, Northside transferred the debt to an outside collection agency ( HSI Financial Services LLC, XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX GA XXXX ) XXXX  sent me an offer to settle the debt for {$170.00} since I had faithfully made payments toward the {$750.00} debt. I opted to accept the settlement and paid the amount, as directed by the collection agency to ( HSI ) on XX/XX/XXXX. Once paid, {$190.00} was to be written off. I requested a Settled in Full letter and I was told it would be sent. I communicated with XXXX XXXX and her supervisor XXXX and XXXX. I saved all the email communications in case you need to verify. 

Fast forward almost a year later, XX/XX/XXXX. I received a Debt Notification from XXXX, XXXX XXXX XXXX, XXXX GA, XXXX. The letter stated I owed a debt to XXXX XXXX in the amount of {$170.00} for services received on XX/XX/XXXX. I spoke with XXXX XXXX, made her aware the debt had been paid. on XX/XX/XXXX, I received another notice from HSI stating I now owe them {$190.00}! This is illegal! I am FURIOUS and refuse to deal with this exploitation any longer. Who has the time to fight these battles? Obviously, HSI kept the settlement money, didn't report the payment to XXXX XXXX, and thus, XXXX XXXX assigned the debt to a new agency ; ( XXXX ). This is bad business and total harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit was pulled without permissible permission on XXXX by XXXX XXXX XXXX ( XXXX ). A forged application requesting permissible permission was then made one day later on XXXX and a car was fraudulently purchased in my name. XXXX sent the attached letter on XXXX. I considered XXXX as reputable and thought it was resolved 16 months ago. However XXXX sold the debt to XXXX XXXX XXXX who is now harassing me for payment. XXXX requested the CRAs delete XXXX reporting of the trade lines associated with this account but then found another way to report this trade line on my report.
Product: Credit card or prepaid card

Unfortunately what I have noticed is CFPB is VERY similiar to the reporting agencies in their methods of " limited options '' when attempting to remedy problem. Basically, giving the consumer options that generally DO NOT FIT many of the problems they are encountering ... ... what a tactic. Anyways ... ... received a document from Synchrony Bank regarding an account ( will submit document w/info. ). First ... ..this document is USELESS!!!! They wrote on their own document this phantom account was a " charge off in XX/XX/XXXX'' ... ..so ... ..how do they propose to investigate on an account THEY DOCUMENTED THEY CHARGED OFF in XX/XX/XXXX?????? THEY THEN DOCUMENTED THEY WERE PAID ... ... THIS YEAR ( NOT FROM ME, yet they continue to claim I did ) ... ..BUT YET CAN NOT SHOW DOCUMENTATION FOR IT???? NOW they have the nerve to send me a document to " investigate '' ... ..A MAKE BELIEVE CHARGE onXX/XX/XXXX for {$12.00}!!!!!!!! WOW ... ... SYNCHRONY BANK HAS JUST COMMITTED FRAUD!!!!!!! ... ... .they just sent a document on an account that does not exist ( they have no documents if anyone actually owned this alleged account even when I have demanded to have them sent to me ) ... ..and based on their letter to me, was a " charge off ''. So how is a " charge off '' from XX/XX/XXXX ( their own document states this ) magically reopened and used on XX/XX/XXXX. ONLY SYNCHRONY BANK CAN PERFORM THAT SCAM DIRECTLY!!!!!!! Under merchant ... it says " FRAUD SALE '' ... .WHAT????? This is sick!!!!!!!! Synchrony bank has committed fraud ... ..I never opened an account ... ..Who at Synchrony BAnk is telling their workers to open up accounts without consent???? Is this how Synchrony Bank obtained all their business ... ... opening up phantom accounts?????
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account : XXXX Bank. # XXXX .... {$2.00}... XXXX XXXX # XXXX ... $ XXXX XXXX XXXX XXXX Section XXXX A. XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please delete the following items immediately : XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My mortgage company RUSHMORE SERVICING ( loan no. XXXX ) had corrected an error in delinquency, but it seems they use third party company named NATIONSTAR/MR COOPER that just recently posted a delinquency for same account ( XXXX ). Attached are the letters I received from RUSHMORE SERVICING which you will also find in my profile. 
Please help with this issue as it affects my credit by a huge deduction in points. 

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

In accordance with the Fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX XXXX XXXXXXXX 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 this item 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: Mortgage

Our original mortgage servicer was with XXXX. We were in the middle of being approved for a modification when our mortgage was sold to Residential Credit Solutions in XX/XX/XXXX. They requested that we start the modification process over, which we did. They requested our income and tax information one at a time which delayed the process. We had to call continually to get updates, only to be told that they did not have documents that we had already sent in. They then sent us a statement saying that we had an escrow surplus, which we never received. Next, RCS sent an appraiser out around XX/XX/XXXX, paid the home insurance for the XXXX year without notifying us, while no longer accepting our payments. Throughout XXXX, we continued to follow up on numerous occasions to see if we have been approved for the modification, only to be told by the mitigation rep that our account needed to be sent to the underwriter for review. The results of that review never came, instead, we received a letter from their attorney in XX/XX/XXXX stating that they had been retained to initiate foreclosure proceedings. 
Residential Credit Solutions failed to honor the trial loan modification that we entered with XXXX. Instead of honoring the previous agreement, Residential Credit Solutions insisted that we re-prove that we were qualified. By refusing to honor the previously agreed upon loan modification, Residential Credit Solutions effectively set us back as though we had not received a trial modification. This prolonged our loss mitigation. Residential Credit Solutions ' actions put us in loan modification trial period purgatory and confused us about the status of our modification, making it difficult for us to take the appropriate action. 
We ended up losing our home in XXXX. We were sued by the home owners ' association for {$2700.00} after we were foreclosed on which resulted in a garnishment of wages. Our credit was ruined and the foreclosure is still on our credit today preventing us from obtaining another loan. It has caused stress on our marriage and required both of us to take time off work. We were subjected to collection calls, late fees, and default and delinquency notices.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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, credit repair services, 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 U.S.C 1681. 

XXXX XXXX XXXX XXXX ( personal loan payment ) has violated my rights. 

15 U.S.C 1681 section 602 A states I have rights to privacy.

15 U.S.C 1681 604 A section 2 : it also states a consumer reporting agency can not furnish an account without written instructions.

15 U.S.C 1681c. ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of following items of information 15 U.S.C 1681s 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 U.S.C 1666 B my late payment was in fact a billing era
Product: Debt collection

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX XXXX Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED XX/XX/XXXX. XX/XX/XXXX. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am worn-out of sending dispute letters to Equifax requesting that they correct this mistaken account being stated on my Credit File because they have been doing nothing! This complaint is to follow up my prior protests and letters I submitted on XX/XX/2022 and to notify them that I am halfway of taking lawful action and litigate Equifax for their headstrong nonfulfillment of the FCRA statute. Only if they took time to update and correct the account on my Credit report, then I may halt filing proceedings against Credit reporting agencies. The account that should be adjusted is : XXXX XXXX XXXX XXXX Date OpenedXXXX Balance : $ XXXX-Late/Open Late Date XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to incorrect information in my credit report. It has been well over thirty ( 30 ) days and I still haven't received the results from any investigation report...
Product: Credit reporting, credit repair services, or other personal consumer reports

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 168b Permissible purposes of my consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.
Product: Credit reporting or other personal consumer reports

The Consumer Financial Protection Bureau ( XXXX  ) has repeatedly documented Equifaxs failures in properly investigating consumer disputes, even leading to legal action for violating the Fair Credit Reporting Act ( XXXX  ). This ongoing non-compliance is unacceptable, and I refuse to let my credit profile suffer due to XXXX negligence. 

Federal law ( XXXX XXXX. XXXX ) is clearEquifax is legally required to conduct a proper reinvestigation of any disputed information within XXXX  days. Any data that can not be verified with 100 % accuracy must be removed from my report immediately. I demand that these errors be addressed without delay, as their presence is actively harming my financial standing. I will not ignore any further non-compliance. 

XXXX - XXXX - {$660.00} XXXX - XXXX - {$0.00} XXXX - XXXX - {$2600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$5900.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXXXXXX Balance : {$570.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This account was closed on XX/XX/XXXX after I stopped working in XXXX and couldn't make any more payments. However, XXXX  XXXX XXXX is reporting that there were payments made all the way until XX/XX/XXXX, that I never did nor authorized. I reached out to them and they said they just see the payment but have no record of who made it how it was paid. I believe they are trying to adjust the payment history so it doesn't fall off of my report since it's already been more than XXXX  years since it closed, but they keep making adjustments to the payment history. After disputing it again earlier this month, they then updated it on XX/XX/XXXX, saying that there was a payment made in XX/XX/XXXX, but previously the last payment they could see was XX/XX/XXXX. I believe this is illegal because they keep adjusting the payments so it never falls off, and they're reporting it incorrectly so I still have to pay them. I also have proof of when the account was closed if needed as well.
Product: Credit card

This is a copy of the email I sent to CitiBank, concerning their deceptive policy regarding autopay which advertises that the will pay off the balance on the due due date, but they keep advancing the due date in the hopes that the consumer will build up such a big balance that they will be unable to pay it off without incumbering debt. 

I am convinced that autopay does not exist with this card. Today is XXXX XXXX. The balance is approx. {$8500.00}. But the scheduled payment has been delayed till XX/XX/XXXX. This is a deceptive practice designed to create a large balance on the consumer 's bill. I paid the {$8500.00} myself to XXXX out the bill. Clearly Citi Bank will not use the autopay feature as requested. And their explanation of the feature makes no sense at all. I will complain about this deceptive practice to the California State Attorney General. 
Bottom Line -- they do not let consumer 's XXXX out their bill on a monthly basis using Autopay. It is the only card I 'm aware of that uses this debt encouraging practice. Very XXXX. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

*in accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, has violated my rights. 

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 account without my written instructions *in accordance with the Fair Credit Reporting Act XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) Account # XXXX, has violated my rights. 

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 account without my written instructions *in accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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 account without my written instructions