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

I applied for the Barclays Ring Mastercard on XX/XX/XXXX, to utilize the balance transfer feature offered by the card. At the time of application, I requested a balance transfer of {$9000.00}. I received notification via email on XX/XX/XXXX that I was approved for the credit card. I received the credit card on XX/XX/XXXX, and activated the card as well as the online account on the same day. I noticed that the {$9000.00} balance transfer had not been processed, so I requested the balance transfer again - this time through the online account and in the amount of {$10000.00} ( I thought this was the same amount I originally requested, but did not have a record of it after the application was submitted ). On XX/XX/XXXX, both balance transfers ( one for {$9000.00}, and another for {$10000.00} ) were processed, so that the new Barclays Ring account now showed a balance exceeding the credit limit, in the amount of {$19000.00}. The credit limit for this credit card is {$15000.00}. I don't understand how both of the balance transfers were even allowed to process, as they took the balance beyond the credit limit. I immediately called Barclays ( XXXX ) to resolve the issue. The representative I spoke with opened a case number ( XXXX ) and told me this issue would take 8-10 business days to resolve. Those days past, and nothing changed with the account. Also at this point, my credit score took a large negative hit because this new account exceeded the credit limit ( XXXX down to XXXX ). I  called Barclays, gave them the case number, and was told that the case is still pending with no further update. I continued to call Barclays back, on an almost weekly basis ( ~7-8 times ), and was given the same update each time. The representatives recorded down which balance transfer to reverse, and indicated the balance transfer fee would be waived when the case was resolved. On one call, I was also told NOT to make any payments until the case was resolved, and all late payment fees would be reversed. Today, XX/XX/XXXX, I called and spoke with a representative ( XXXX? ). She told me the same story and provided the same update. I asked to speak to a manager ( XXXX ). The manager told me that because the balance transfers are over a month old, there was nothing Barclays could do to reverse the balance transfers. He suggested I contact my other credit card company and ask them to send me a check in the amount of one of the balance transfers. And then I cash that check and pay off one of the erroneous balance transfers. It was now my responsibility to fix Barclays error. I asked what had been happening the whole time the case had been open, when it seemed he was able to easily give me this answer when so many others provided non-updates. He apologized and said there was nothing Barclays could do at this point, except remove one of the balance transfer fees and waive the late payment fee that was assessed after XX/XX/XXXX. 

I just paid the necessary amount on the Barclays Ring account so I am no longer exceeding the credit limit. It sounds as though Barclays will be taking no further action at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. XXXXXXXX XXXX XXXXXXXX {$740.00} XXXXXXXX XXXX XXXX XXXXXXXX {$1400.00} XXXX XXXX  XXXX {$420.00} XXXX XXXXXXXX {$700.00} XXXX XXXXXXXX {$630.00} XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX   XXXX {$700.00XXXX XXXX XXXX XXXXXXXX {$250.00} XXXX XXXX   XXXX {$290.00} XXXX XXXX XXXX XXXXXXXX {$1100.00}
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The reported late payment was due to an error in the automatic payment system set up with XXXX. My payment was scheduled and authorized on time, but due to a glitch in the system, it was not processed until after the due date. This error was beyond my control and does not accurately reflect my payment history. 
Evidence provided : Bank statement showing the payment was initiated on time. 
Correspondence from XXXX acknowledging the issue with their payment processing system. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX.
Product: Credit card or prepaid card

The Bank opened a Walmart credit card and issued credit without any financial background check. This reckless credit issuance has resulted in my having to lock my credit and basically have no credit for the next sixty day. 
The bank should not issue immediate credit but only mail the credit card after contacting the correct person and them mail the card. 
I received the credit card by mail with a balance that was already fully used. only {$18.00} left. 
XXXX XXXX XXXX, Florida Fraudulent Card Issue in XXXX 2017.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date opened XX/XX/2017 Account name XXXX XXXX XXXX Amount XXXX Account number XXXX Has violating 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
Product: Debt collection

They call over and over again, back to back and for hours on end never leaving a message. I only figured out who it was by looking up the number. If you do answer they are rude and abusive
Product: Credit reporting or other personal consumer reports

I have sent several letters via XXXX certified mail ( XX/XX/year>, XX/XX/year>, and XX/XX/year> ) regarding my contract, my payment of the loan, and requesting XXXX XXXX report to the credit report agencies that the loan has been paid in full. I paid for the truck and received overpayment checks from XXXX, the lien release letter from XXXX XXXX, I have a lien-free title, and the New York State Dept . of Motor Vehicles Lien Status Report verifies that I own the truck free and clear.
Product: Debt collection

While checking my credit report I noticed a collection for an unverified debt that I do not owe. This false unverified debt on my credit report has caused stress trying to figure it out and possible loss of income due to my potential employment endeavors. My household has been with XXXX XXXX for 12 years and I have no need for XXXX XXXX at all.
Product: Debt collection

XXXX XXXX is trying to collect on a debt 2 times which they have already sold or transferred to another company, and will not remove from my credit report after my several attempts of disputing. They have multiple accounts on my credit report for same company, different dollar amoounts which is severely affecting my credit rating. XXXX of their reps from the company told me they would removed the account from my credit report back on XXXX XXXX, 2016 because they longer had my account or file.
Product: Credit reporting or other personal consumer reports

I used retirement money to pay off XXXX credit cards and XXXX vehicle finance. After a month, the credit bureaus still indicate I have a full unpaid balance. After XXXX weeks the other XXXX accounts are still not accounted for. I understand that they update with new reporting but this is still taking an inordinate amount of time when you also consider that there is an immediate penalty just for checking into getting a loan. So for credit checking and penalizing its immediate, but for getting credit where its due for doing something which should make your credit better it takes ( almost literally ) forever. This feels like its rigged in a way to generate higher interest charges for those with lower credit scores. Something akin to youre guilty until proven innocent. When accounts are in good standing, managed well and eventually paid off, the credit bureaus should be advised just as immediate as the penalties were given just for checking credit. Its wrong that penalties are immediate but not rewards for doing whats responsible.
Product: Debt collection

previously and on X/X/2017 XXXX XXXX XXXX XXXX called my work place XXXX XXXX XXXX making threats to my boss and giving personal info. this action almost got me fired. the claims are unfounded, there trying to collect on a debt over 9 years old and statue of m limitataions has already ran its course.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following negative items listed on my credit report : XXXX XXXX XXXX  - XXXX XXXX XXXX - XXXX - {$0.00} XXXX - XXXX - {$0.00} XXXXXXXX XXXX  - XXXX - {$0.00} XXXX - XXXX XXXX {$0.00} These items remain unverified and raise serious concerns about their legitimacy. I have made numerous attempts to resolve these inaccuracies by submitting disputes and providing supporting documents, but I have yet to see any action taken to correct them. This inaction has had a detrimental impact on my financial stability and has taken a severe toll on my personal health. The ongoing stress caused by these unresolved issues has made it difficult for me to focus on daily life. As outlined in the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report free of unverified and inaccurate information. I ask that you investigate these matters thoroughly and resolve them immediately to ensure compliance with federal regulations.
Product: Debt collection

Reviewing my credit reports online and notice a collection account for {$180.00} which I was never aware of. On each report the same bill is listed with two different names on my report. Also a law was effected that no longer are collection agencies allowed to place a debt on your credit report.
Product: Credit reporting or other personal consumer reports

I am exercising my right under the Fair Credit Reporting Act, Section 609, to request update/ correction of inaccurate information on an item that is listed on my consumer report : Account : XXXX XXXX XXXX ( XXXX ) This account is currently reporting inaccurately : I had a forbearance agreement plan with XXXX XXXX XXXX, and it is listed on my monthly statement. The consumer reporting agencies have assumed a vital role and a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payment for this account, and I have included screenshots inside the complaint. Please investigate provide proof with statements showing that these payments were late. If proof cant be provided with 30 days, I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon selling our home, Regions XXXX accepted {$6000.00} toward the 2nd mortgage/Home Equity Loan when our house sold. The remaining balance we owed was converted into a personal loan, in which we agreed to pay {$25000.00}. This loan promissory note was signed on XX/XX/2018 ; however, the loan was not property processed and was lost. My wife and I made multiple attempts to pay the monthly agreed-upon payment amount of {$210.00} ; however, Regions Bank refused to take our money and stated they did not have a loan for us. Shortly thereafter, we started receiving phone calls from Attorney 's office about the balance due. After contacting 3 different attorney 's offices ( who we were told had received the documentation ) as well as speaking with XXXX XXXX, Manager of Region Collections/Mitigation, he was able to obtain the account back from the assigned attorney 's office ( we still do not know who received the bill ). However, they have not reported the correct amount as well as the correct account number to the Credit Bureau 's on our behalf. We have paid over {$10000.00} toward our agreed-upon balance of {$25000.00} ; however, the credit bureau shows our balance as {$52000.00} AND that this amount is a " charge off. ''
Product: Checking or savings account

On XX/XX/2020, my husband noticed that he had been locked out of our joint USAA bank account. He proceeded to call USAA to see why he had been locked out and re-establish his online access. When he was on the phone with USAA, they told him that they had decided to no longer do business with us and close both our checking and our savings account. We asked them why this was occurring as we have, to our knowledge, not done anything which would warrant such a decision. We asked them if they had sent us a 30 day notice in advance of this decision and they said that they had not. Furthermore, when we asked how we would have access to our money, they said that because the account was in the process of closing, they would hold our money for the next 60 days. It is now the XX/XX/2020 and we have bills and a mortgage to pay but no access to our money with no clear idea of when we will again have access to our money. We also were never given a 30 day warning in order to prepare for this event.
Product: Debt collection

On a letter dated XX/XX/XXXX I was contacted by Focus Financial Services for a bogus medical debt by a doctor that I had seen and paid in full at the time of service. On XX/XX/XXXX, I responded to Focus Financial Services by divulging that the debt was bogus and erroneous and asked them proof of its validity. I sent Focus Financial Services my letter via fax and certified which I received confirmation receipts from Focus Financial Services on. I never received any further communication from Focus Financial on my request for documents or anything else after I sent them my letter. 

Today I was informed that Focus Financial Services reported the bogus debt under my credit profile to all three major credit agencies XXXX on XX/XX/XXXX which has now greatly affected my personal and professional perfect credit profile and caused me great emotional distress. 

By doing so Focus Financial Services has failed to take the required legal steps to investigate the integrity of this debt which I am disputing under the Fair Credit Reporting Act and broke the law by reporting this bogus collection under my credit profile 10 months after the fact without contacting me and follow the proper procedures prior to doing so.
Product: Credit reporting or other personal consumer reports

I am writing to request a reinvestigation. Reinvestigate this account : Account name : XXXX ACCOUNT # XXXX Despite previous attempts to resolve this matter directly, I believe there are unresolved discrepancies that warrant further investigation by your agency. 
I kindly request that the Consumer Financial Protection Bureau conduct a thorough reinvestigation into this matter to ensure that all relevant information is considered and that any errors or discrepancies are rectified promptly. Please provide all documentation that I signed stating lawfully that this would affect my credit or hinder me from obtaining any credit.
Product: Checking or savings account

I have been complaining to all about taking advantage of me and after going on 3years I have been taking out {$300.00} dollars out of my savings account in which social security sends my checks into a savings account and not a checking account. But now going on three years Wells Fargo didn't tell me anything about all of these hidden fees after I have been going into this financial institution and getting some of my writings notarized and either getting the {$300.00} dollars to pay for the utilities for in which I reside at this institution didn't tell me about all of these hidden fees after all of this time I should have been told this before hand. Like I told you all before my government benefits goes into my savings account and nt a checking account. Now this banking institution wants to charge me all of these hidden fees and the way Wells Fargo is trying to justify this after going on three years now they are telling me that from {$10.00} jumped all the way to {$300.00} and told me that I overdrafted my account and they have told me that I authorized that I authorized them to sign me up for over draft protection in which I didn't authorize this institution to sign me up for over draft protection and I have told them before I have called them to remove that {$10.00} from my savings account to pay for that service fee. But now XXXX jumped to XXXX cent 's and they have told me that I used online banking and I have told them I don't know how to use online banking I always call them when I need I need money to pay for a transaction I Never use online banking because I don't even know how to use online banking. Unless Wells Fargo and it's affiliates has forged my name on documents and open up a fake account and taking money just like this institution has done to other consumer 's that are on XXXX and taking advantage of people that trust Wells Fargo to take care of their money just like this institution is trying to take mine. And I would like to say that only because we are in a pandemic doesn't mean to take advantage of people that XXXX and taking their money knowing that a lot of people such as my self is on a fixed income. And I wouldn't be able to sleep at night knowing that I have taken advantage of someone that is XXXX and struggling.
Product: Credit card or prepaid card

I have had a Costco Club Visa card for years. I spent most of XXXX in the hospital for many serious medical issues. All of a suddenly Costco Citi Visa card was declined when I tried to use it for a regular online service at a regular website. Their weak answer was : XXXX.You were over your credit limit all of a sudden. 

I am not a math major but if my little puny credit limit is $ XXXX why is my bill only $ XXXX. Their math is fuzzy. I even paid my bill that wasn't due for over {$1000.00} until next month and they don't give me credit for this. They won't until the future date it is due... .and still my bill was not over my credit limit..notice?. 

I make {$84000.00} annually with combined XXXX and XXXX XXXX  and I just turned XXXXUntil recently I have had nothing but problems trying to make my payments over the phone. The overall credit card company industry needs reform to streamline it to simple rather than complex as it is now., Long winded annoying and they seem to want you to hang up rather than pay your bill or report your card lost or stolen lately. Why I have no idea. You sometimes have to wait minutes before getting to the option to pay your bill rather than simple terms... last statement balance, current balance, or a different amount. Simple but they refuse to do this. You have to write down the amounts they offer in advance of making a payment. Terrible!!! 

This Citi card and others are not user friendly anymore. I am not XXXX my hard earned money on expensive postage stamps. I want these companies to be called on to refine their phone payment options and allow easy link to resetting passwords when you forget them not force you to XXXX contact a XXXX female customer service rep trying to speak English I can't understand and hang up on me when I ask for someone who speaks English I can understand. 

Not all of this pertains to Citi Visa Costco membership club card. My issue with them is my credit limit is insultingly puny compared to other credit cards I have and they declined my use of it when I was not over my credit limit of over $ 2000+ when my bill for next month was just over {$1000.00} ... can't be so. This morning alone I spent over XXXX hour and XXXX minutes getting nowhere and transferred to everyone there. 

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

I sent a letters to the XXXX XXXX last XX/XX/2022 to delete the inaccurate and unverified account on my credit report until now they are not deleting the accounts that i listed on my letters it has been more than 30 days and it's a violation..
Product: Money transfer, virtual currency, or money service

I sent a registered security and remittance coupon on XX/XX/XXXX, and it arrived XX/XX/XXXX at the XXXX XXXX XXXX XXXX XXXX who works for U.S Bank National Association. I gave specific instructions on how to handle my security in a cover letter. I left my contact information, and made sure my message is clear on what to do with my securities. XXXX and his associates did not respond or send any correspondence. I left about 10 total voicemails to his direct extension for about a 2 week span. I have not received any calls back, no emails, or returned mail. Im believing there is security fraud being done, I do not know the where about of my securities and I have not received any funds in my Treasury Durect Account for the XXXX  coupon, nor did any amounts reflect differently on the accounts I have for XXXX. U.S. Bank National Association is the indenture trustee for XXXX XXXX XXXX. Therefore under the indenture trustee act of XXXX & XXXX, they have failed to comply with lawful directives and have committed securities fraud.
Product: Credit reporting or other personal consumer reports

I am writing to formally challenge the validity of an account reported by XXXX, which I have never entered into a contractual agreement to pay. I have not agreed to any terms or obligations associated with this alleged debt. It appears that XXXX may have purchased this debt from a creditor, and I am requesting proof that they have the legal right to collect on it. Specifically, I ask for : Documentation showing that I am legally bound to this debt, including a contract with the original creditor bearing my signature. 
A chain of custody, sales agreement, and any witness statements demonstrating the proper transfer of this debt from the original creditor to XXXX for {$890.00}. 
Without this documentation, the account lacks legal validity and should not be considered collectible. I also request that all collection activities cease immediately and that the account be removed from my credit reports pending this review. Reporting this account without proper legal validation is unlawful. 

Please note that I will not accept mere transaction records as sufficient evidence of an agreement. 

Thank you for your attention to this matter. I look forward to your prompt response.