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

Opened XXXX XXXX XXXX account with Barclays Bank Delaware transfer balance in XX/XX/XXXX. 
XX/XX/XXXX : Minimum payment {$180.00}, I paid $ XXXX $ XXXX monthly but the balance was going up not down ( even during months no purchases were made ). 
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX Fees charges ( not purchases ) put card over the limit although higher payments made monthly. contacted Barclays to discuss the option of lowering interest rate, question fees that brought card close to limit, refused to work with customer in good standing, never missed a payment, and always paid more than the minimum. Balance was {$6800.00}. 
XX/XX/XXXX : representative said the company would only work out a payment agreement with customers who were late on payments. 
XX/XX/XXXX : contacted XXXX XXXX XXXX  to work on settlement or payment agreement. They refused to lower interest or settle account. They suggested continue to call, they would be more inclined to agree to settle before it went to collections. I closed the account and disputed charges for over the limit fees which caused additional fees. I received a letter stating account was closed amount owed {$7200.00}, no further charges would be added while dispute was pending. 
XX/XX/XXXX-XX/XX/XXXX : Continued to contact company monthly, they continued to add fees and subsequent over the limit charges, and additional fees. 
XX/XX/XXXX-XX/XX/XXXX : Continued to speak with Barclays, again offered to settle original amount owed, minus fees. 
XX/XX/XXXX : They have sold the account and report monthly to credit bureau. Barclays Bank Delaware does not have record of our conversations and are unwilling to work with me to resolve the issue. XXXX XXXX XXXX is in charge of collections, but will not report to bureaus. XXXX will accept settlement, but will not remove it from the report. 
I tried repeatedly to resolve and come to good standing with Barclays card. Never had a late payment until XX/XX/XXXX when trying to work with them to remove the over-limit fees. They continued to charge fees past the time account was closed and involved in dispute.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Urgent Request- Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action.

Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Additionally, I request the removal of all unauthorized inquiries related to this theft : CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies.

I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities.

I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. 

This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 

Thank you for your immediate action to this issue. 

XXXX XXXX
Product: Debt collection

I keep receiving calls regarding a debt with XXXX XXXX XXXX XXXX. They have been unable to verify this debt still exists. I have asked numerous times for them to confirm because according to my records, the account was previously paid. When I had a discussion with an associate, they confirmed the payment amount due to settle the account and provided the date it was paid. I then asked they update their records and stop contacting me. They continue to call and send me a collection notice, but not provide record of the account payments, history, etc. that I have requested. 

Last payment was on XX/XX/year> which according to my records, completed the settlement amount. 

PORTFOLIO RECOVERY ASSOCIATES LLC now owns the account.
Product: Credit reporting or other personal consumer reports

In regards of my repeated attempts to rectify these issues directly with the credit reporting agencies and the respective financial institutions, these inaccuracies remain unresolved. I have contacted the credit reporting agencies and the financial institutions involved to dispute these fraudulent items. I have provided all necessary documentation, including police reports, identity theft affidavits, and proof of my identity. Despite these efforts, the fraudulent items remain on my credit report, causing significant damage to my credit score and financial standing. I want the immediate removal of all fraudulent items from my credit report. The presence of these fraudulent items on my credit report is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). I am requesting for your intervention to ensure that these inaccuracies are corrected promptly and that my credit report accurately reflects my credit history. Please help me remove the following negative items : XXXX XXXX  XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$4000.00} ; XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX {$7700.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$6600.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$9000.00} ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$280.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$3100.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$4900.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$4000.00} ; XXXX XXXX XXXX XXXX Balance Owed XXXX {$2500.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$6400.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$8800.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$7500.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3100.00} ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX 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  XXXX  XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Some 3rd party company names EQUIANT FINANCIAL SVCS AKA XXXX XXXX WORKING FOR XXXX XXXX is listedClosed on the credit bureaus is on my credit. This company has a bad reputation and deals with shady timeshares. They are trying to collect a XXXX  balance collection as this matter has been already resolved with the original scam creditor. EQUIANT FINANCIAL SVCS refuses to get off my report, even though they admit they are NOT a party to the transaction nor is there a contract between myself and them. 
THE SCAM BACKGROUND AGAINST CONSUMERS : I attended the TimeShare presentation in XX/XX/2016 in XXXX XXXX. In short, during the presentation I was swayed into purchasing the timeshare of one of their properties as during the presentation I was told that " it is a great deal that you can't lose money on! ", " you can use it at anytime and you can rent the property out to someone else if you don't want to use it yourself '', " No, you can not step away and think about it because it is a very limited time discount that you will get only if you decide right now '' " We have worldwide properties that you can trade your timeshare for and go anywhere you would like '' After signing the paperwork, there were additional fees that were not disclosed to me when I agreed to the deal. It was also not disclosed that even after signing the paperwork, legally, I had a time window to back out of the deal ( because I would, once I had time to do my research ). 

I attempted to trade my week at another property of theirs several times at no luck ( as it turned out, my week was the lowest priority ). Despite what was said at the presentation, I was not allowed to " rent it to a friend '' either. After XXXX years of paying for the timeshare installment loan at at steep rate ( as it turned out no bank wanted to refinance a timeshare ), taxes and maintenance fees and not being able to use it even once, I contacted a consumer protection agency to help me with this. They worked on my behalf to prove that XXXX practice was unethical. Eventually, XXXX agreed to accept the deed back. 

Aside from the aforementioned credit, I have never been late or missed a payment on my credit card and any loans. My credit score on XXXX and XXXX is XXXX and XXXX, respectively ( the agencies where timeshare loan was not reported ).
Product: Credit reporting or other personal consumer reports

Date opened XX/XX/XXXX XXXX {$600.00} I have contacted them about this Report in XX/XX/XXXX, by XX/XX/XXXX this matter is still unresolved. Attached is the letter that was sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ; XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX & XXXX Opened XXXX. XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; Discharged XXXX : Bankruptcy Reference Number XXXX ; XXXX Filed : Bankruptcy Reference Number XXXX ; XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX , WI XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$840.00} ; XXXX XXXX Bankruptcy : Bankruptcy Reference Number XXXX ; XXXX XXXXXXXX Bankruptcy : Bankruptcy Reference Number XXXX ;
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX  Original creditor XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX 
This account is not mine. I have no knowledge of this account.
Product: Credit card or prepaid card

applied for small business credit card was denied, no phone number to call and find out reason. I have personal credit score of XXXX no late payments, my business credit score is XXXX and financial risk stability is XXXX which is perfect. I got denied with explanation which is false delinquent accounts. I have no delinquent accounts my application number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter to Experian after I noticed a bankruptcy being reported which was inaccurate. ( see attached ) Experian responded on XX/XX/XXXX saying that " the credit grantor has verified its accuracy. '' ( see attached ) The credit grantor is listed as : XXXX XXXX XXXX XXXX    XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX I wrote a letter to the XXXX XXXX XXXX ( see letter attached ) asking them to provide me the following information : " I am looking for information with regards to bankruptcy filings. Can you tell me what the process or method the court uses to " verify '' bankruptcy information with the credit reporting agencies such as Experian, XXXX and XXXX? How can these agencies claim they verified my information with the court and what information does the court share with the credit reporting agencies? '' The clerk of the court responded ( see letter attached ) that " the XXXX XXXX XXXX XXXX does not report information to or remove information from the credit bureaus. '' Therefore Experian is reporting INACCURATE INFORMATION ( 1 ) that the XXXX XXXX XXXX furnished and verified the information when the court clearly stated that they did not report this account to Experian! 

When I look at my credit report, it tells me the name of the furnisher of the information. That may be  a credit card company, auto lender, mortgage lender and sometimes collectors. Experian is saying that that courthouse or recorder, or whatever, is furnishing the information and the court is saying they DID NOT furnish the information. Experian is telling a bold-faced lie. 

I contacted 4 third party companies whom Experian claimed they get information from : XXXX, XXXX, XXXX and XXXX and they advised me that ANY INFORMATION THEY HAVE ON ME HAS BEEN FROZEN WITH A SECURITY FREEZE, therefore they could not have reported any information to Experian. 

Please see a copy of the Experian credit reports attached for your reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting inaccurate information and refusing to follow protocol for furnishing information to my consumer report, without consent and improper verification which has resulted in damage and stress to me. please see attached. 

i have also sent in a paper copy of this information to the address on equifax website along with identification ( XXXX XXXX XXXXXXXX XXXXXXXX XXXXXXXX XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

The XXXX Credit Bureau is reporting inaccurate information on COMENITYCB/FOREVER21. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Debt collection

I'm paying a debt with XXXX XXXX. I have all the receipts but the collector affirms I'm not paying it even I have the receipts. He calls me every single day saying he's going to sue me and report me to credit bureau. And every day he send me 2 letters in my mailbox YOU WILL BE REPORTED TO CREDIT BUREAU, WE ARE GOING TO TAKE LEGAL ACTION. If I'm making the payments why this person is saying I'm not? Why he's threatening me? So as of today I stop paying because he's allegations are I'm not making the payments so, is like I'm wasting money. He algo sent a letter that says the balance of the debt is going to raise to the original amount no matter how much I did payed in the past. He's harassing me and my wife for the Las 11 days. Non stop calls and letters every single day. He's harassing my wife, a person who has XXXX  problems and XXXX XXXX. This isn't the way to treat no one and this have to stop. And to not forget to mention, this person calls and screams at me on the phone and use bad language against me and my wife.I will provide here the name of the collector and the agency. 
Collector : XXXX XXXX Phone number : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Re : Social Security Number XXXX XX/XX/2024 To Whom It May Concern : I am writing to challenge the reporting and compliance of my credit report. 

15 U.S. Code 1681c2 ( a ) Block Except as otherwise provided in this section, 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 by such agency of. It has been 30 days and you are in VIOLATION of this law because i am a victim of identity theft!! Please delete all items mentioned in my XXXX report off my credit report. 
These accounts should not be furnished on my consumer report as they are in VIOLATION Under 15 U.S. Code 1681b a ) In generalSubject 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 instructions of the consumer to whom it relates. 
I have NEVER given any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of all FRAUDULENT IMMEDIATELY! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Phoenix Financial Services sent a letter to collect debt. Explained to them I have XXXX XXXX to cover the debt. The told me that the hospital didnt have to file insurance and that they can as a courtesy. Asked for the to send the original bill and they hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is incorrectly reporting account XXXX XXXX XXXX XXXX XXXX number XXXX as 30 days. Delinquent. This is inaccurate and false report causing my score to drop significantly. This account was never late and has been paid every month promptly via ACH payroll deposits. Also Ive been impacted by the Covid-19 pandemic and qualify for relief under the CARES act. 

Experian needs to promptly return reporting and status to CURRENT/ Never Late.

I am attaching all email correspondence from XXXX XXXX XXXX XXXX  from the last 90 dats showing account was current and they received monthly payments. XXXX XXXX never once sent any correspondence to me indicating account was past due. Only current and payment received.
Product: Mortgage

I was toward the end of my loan modification process and have been paying a new payment since XX/XX/XXXX. When I called to make my XX/XX/XXXX payment, Wells Fargo said that they were waiting for one last piece of the puzzle from me to approve the loan modification. They said they needed a power of attorney paperwork for my father ( XXXX XXXX XXXX XXXX ), who is a co-signer to my mortgage, which had been sent out out. During the conversation to make the payment, I told them that I 'm going to be selling my condo. When I said that, they said that the loan modification is now null and void and my condo is back on foreclosure status.
I requested a payoff quote of my mortgage. When I received the payoff and I looked at the figures, it said I owed XXXX on a condo I paid for XXXX back in may if XX/XX/XXXX.
I was about 11-12 months behind on my mortgage when the loan modification process started. My loan balance was XXXX as of XX/XX/XXXX. As part of the loan modification, HUD took out XXXX to lower my principle loan balance to XXXX thus making my monthly payment lower. When I was looking over loan payoff, they added in that XXXX twice, thus making my loan payoff XXXX. I 've been making faithful payments the first of each month since XX/XX/XXXXand that money is no where to be seen in my payoff. I called them on Friday and not much help at all I almost had a heart attack when I saw these figures I want to emphasize that the reason I fell behind in my mortgage is because I had a bad slip and fallXX/XX/XXXX and have been on XXXX ever since, and have had multiple surgeries I have sent you screen shots of the original loan modification numbers and the payoff numbers
Product: Mortgage

SLS   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , CO  XXXX  SLS Loan number  XXXX  For the past several payment periods we have been charged ever-increasing amounts for Late Fees. We have made payment of everything billed to us well before the date required. Our last statement has a {$100.00} late charge. But we paid the full amount require by the SLS previous statement on  X/XX/2017   , before the due date, and well before the date for late charges. Payments were made through  XXXX , and I believe electronically transferred.
Product: Debt collection

after reviewing my consumer report I noticed this company reporting an account without giving any notice of an alleged debt, i asked them to validate their claim and cease any attempt of collection or reporting until their claim has been validated. In violation of FDCPA they continue to report an invalid claim. 
see attachment
Product: Checking or savings account

On XX/XX/2022 XXXX took funds from my checking account in the amount of {$8.00} without my express consent. I didnt have funds in my wells fargo checking account at the time but pay Wells Fargo {$25.00} annually to keep open a 5k personal line of credit. The line of credit had more than enough credit available to cover the {$8.00}. Instead of covering the {$8.00} with my personal line of credit, Wells Fargo instead charged me a {$35.00} nsf. I realized what happened on XX/XX/2022 and immediately covered the {$8.00}. When I contacted Wells Fargo to reimburse the fee, they rejected my request and only reimbursed {$8.00} out of the {$35.00}. I have not requested any fee reimbursement prior to this event. I spoke with multiple representatives and no one helped me solve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXX
Product: Checking or savings account

XXXX I tried to access my account online but it said too many attempts and account was locked I called customer service and eventually they got me to the fraud area XXXX. The rep told me my account had been compromised and that they would need to issue new account numbers. This would take 3-5 days and I would not have access to my funds. 

I told the rep that I needed access to my funds to pay bills and provide lunch money to my kids. 

XXXX received an email stating my old capital one accounts have been closed. I called back in hopes of my funds being available. Rep and manager XXXX told me still not available and they would not expedite Please help me resolve access to my funds. Need to buy food and give my kids lunch money
Product: Money transfer, virtual currency, or money service

I wired money to a person who was going to invest it in crypto. My money would mirror his trades. I did {$100000.00} on XX/XX/2022. Then {$50000.00} on XXXX XXXX, then {$50000.00} on XXXX XXXX, and finally a {$30000.00} on XXXX XXXX. All these wires were sent from my Wells Fargo to his XXXX XXXX XXXX Bank. It all went to XXXX, where it was transferred to bitcoin and then sent to his crypto wallet : XXXX Please help. Im devastated. 

XXXX XXXX XXXX