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

On XX/XX/2020 I made a payment using my banks bill pay but I made it to the wrong account. I made it to Barclays Bank ( my XXXX credit card ) instead of XXXX XXXX  ( for my house payment ). It was in the amount of {$2400.00}. I noticed the error a couple of days later and called Barclays bank and the gentleman I talked to said that they could reverse the payment back to my checking account with XXXX  XXXX XXXX. He said it would take 7-10 business days. So when nothing had happened 2 weeks later I called them back and the gentleman I talked to then said " oh, no we can't do that. '' So I called XXXX XXXX  XXXX to see what they could do and they said that Barclays would have to issue the refund. I made several calls to Barclays bank and just kept getting the run around. When I would ask to speak to a supervisor I would get put on hold for an extended period and sometimes get hung up on or the supervisor wouldn't be of any help. After I don't know how many calls I was told that I would have to have a conference call with Barclays bank, XXXX  XXXX XXXX and me to solve the problem. On XX/XX/2020 I had that call with XXXX XXXX, Payment Processing Center at XXXX  XXXX XXXX, and XXXX in the Settlement Depart. at Barclays Bank. XXXX said that they would refund the payment within 7-10 days ( see attached letter ). On XX/XX/2020 I received a call from XXXX and she let a message on my phone asking me to call her or Barclays Bank. I tried to call her on the number that she call from and the message said " sorry we can't speak with you, we will call you back '' but there was no way to leave a message. So I called Barclays Bank and they couldn't connect me to XXXX but said that the records said the the payment stood and they couldn't refund it. A few days later we received a letter from Barclays Bank dated XX/XX/2020 ( see attached ) saying that our payment inquiry has been resolved and we will see an adjustment on our next statement. When I didn't see an adjustment we called Barclays Bank back on XX/XX/2020 to find out why. They couldn't tell me. I called XXXX XXXX XXXX to see in they could call them and get the answer so we had another conference call with them. XXXX from XXXX  XXXX XXXX was on the line and we first talked a gal whose name we couldn't understand and she just told us what the report said so we asked for her supervisor who was XXXX and he said the same thing - couldn't give us a reason that they couldn't refund it so we asked for his supervisor who was XXXX and she finally just said that it had been too long and that I didn't have enough credit left on my card to cover the refund. I told him that if they had done this months ago I did have enough credit. Today if they would do it it would only put me over my limit by {$600.00}. Because of our financial situation XXXX  XXXX XXXX twice advanced us the {$2400.00} so we could make our house payment. Now we owe XXXX XXXX XXXX {$2400.00} and we don't have it and we were told it would be credited to our account by Barclays Bank and now they are going back on their word.
Product: Credit card

I went on a trip to Hawaii 's XXXX XXXX and purchased a snorkeling activity voucher on XXXX for {$140.00}. However, due to weather conditions, all water activities were canceled, and I was unable to book any snorkeling dates before I left the XXXX XXXX. I called the merchant, and they advised me to contact XXXX for a refund. When I reached out to XXXX, they refused to issue a refund and offered to add credit to my account instead. Since I dont typically use the app, I declined the credit. On XX/XX/XXXX, XXXX unilaterally redeemed my voucher without my consent and did not provide any credit, effectively taking my money. I attempted to dispute the charge with my bank, but XXXX provided evidence that the voucher had been redeemed, and the bank sided with XXXX, rejecting my dispute. This is clearly deceptive, as XXXX redeemed the voucher themselves.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly a collection/chargeoff in the amount of {$3000.00} on the XXXX, original creditor XXXX XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me. I have never lived in XXXX, Georgia which is where the property in question is located. This is clearly an account that has been put onto my credit report in error. This false reporting of a collection/chargeoff account that does not belong to me is seriously harming my credit score and this line item needs to be removed from my credit report. I have tried to contact XXXX XXXX XXXX, as well as the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that hat XXXX later payment XXXX on an account that I was never late for consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum.Accuracys I have never XXXX late on payment for the account is XXXX XXXX account number is XXXX investigate and provide proof with statements showing that these payment were late if proof cant be provided I demand these payment be updated to on time as they should be as I was never late. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly asked that this incorrect information be deleted from my credit report. I have asked for the original contracts with my signature to verify these loans be delivered to me but I have not received anything! I submitted a complaint and got a status report with a first name different than mine. XXXX XXXX. 

I would like these accounts that are over 7 years old to be removed from my credit report ASAP OR I WILL BE SUING EXPERIAN. I HAVE ALSO ASKED THE CREDIT BUREAU TO REMOVE THE ADDRESS OF XXXX XXXX XXXX BECAUSE IT HAS NOT BEEN MY ADDRESS FOR OVER 3 YEARS AND THEY WILL NOT. 
I AM FED UP WITH HAVING THIS INCORRECT REPORTING ON MY CREDIT FILE. 


XXXX XXXX XXXX Under dispute Date opened XX/XX/2015 Balance {$36000.00} Status Open/Never late. 
XXXX XXXX XXXX Under dispute Date opened XX/XX/2015 Balance {$40000.00} Status Open/Never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I initially sent a written request to Experian letting them know that under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that they disclose to me all of the documents that they have recorded and retained in their file at the time of this request concerning the accounts that they are reporting in my credit report. I advised them to not respond to my request by saying that these accounts have been verified. I asked them to send me copies of the documents that they have in their files that were used to verify them. Also, If they did not have any documentation in their files to verify the accuracy of these disputed accounts to delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties They are damaging my reputation and credit worthiness. They accounts in this dispute are. 
1.XXXX XXXX 2.XXXX XXXX XXXX XXXX XXXX  3.XXXX XXXX XXXX 4.XXXX XXXX DBA XXXX XXXX XXXX The only response I received were they were verified. On XX/XX/XXXX I sent them a personal request to ensure that NO INACCURATE DEROGATORY information is reporting on my Consumer Credit Report and that any such information, ESPECIALLY THOSE PREVIOUSLY DELETED by other CRAs, is immediately and completely REMOVED from my file. 
It is unlawful, and a DIRECT VIOLATION of several FEDERAL laws and statutes to report inaccurate, misleading or unverified information. 

On XX/XX/XXXX I received a response from XXXX stating that the following accounts could not be verified and they were immediately removed from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DBA XXXX XXXX XXXX Per the PROCEDURES and laws stated in 15 U.S.C. 1681i and its subsections I have requested that ALL FURNISHERS related to this account and CONSUMER REPORTING AGENCIES in which this item has been disputed BE NOTIFIED of the DELETION of this account due to FAILURE TO PROVE ITS VALIDITY. As stated above, I have requested this information be SENT to all CREDIT REPORTING AGENCIES and I anticipate that each CRA will follow suit in DELETION OF THE ACCOUNT. 

The only response I received were that the accounts had been verified yet again. On XX/XX/XXXX. I sent another request to have them follow suit and delete the accounts from my credit report since they have not provided me any documentation of how they verified that these accounts are mine. The response I received was that they will no longer reinvestigate these accounts. They have violated my rights as a consumer. I will be filing a legal complaint if this is not resolved.
Product: Credit card or prepaid card

Citibank " closed '' my account, however they have not stopped accepting my payments and apparently still want to keep our relationship around long enough to get paid. That's fine. Well I want to view my transactions and account activity. 

Citi Bank closed my Mastercard out of retaliation and revenge earlier this year. They then locked me out of my online activity and will not allow me to access the card activity that had already occurred. 

If Citi wants me to continue making payments on the balance due, I want to continue to be able to see what it is I am making payments on.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$35000.00} XXXX XXXX Balance Owed : {$1700.00}
Product: Student loan

I have been struggling to get my account straight with MOHELA since the transition to the new servicing platform in XX/XX/XXXX. Here is an account of the timeline of these issues and my attempts to get them resolved. From XXXX XXXX, there were not significant issues. 

First SAVE plan payment : XX/XX/XXXX XXXX SAVE plan payment : XX/XX/XXXX 3rd SAVE plan payment : XX/XX/XXXX XXXX SAVE plan payment : XX/XX/XXXX 5th SAVE plan payment : XX/XX/XXXX XX/XX/XXXX : Notified that the payment schedule to repay XXXX or more of my loans has changed. 

XXXX SAVE plan payment : XX/XX/XXXX XX/XX/XXXX : Placed into administrative forbearance XX/XX/XXXX : Notification of switch to new MOHELA platform XX/XX/XXXX : Notification that loan transition to new platform complete XX/XX/XXXX : Notification that repayment schedule changed to Standard Repayment. **I did not request this change nor was I given a reason for this change** XX/XX/XXXX : Autopay scheduled + email saying payment due XX/XX/XXXX XX/XX/XXXX : I called MOHELA and asked why I had a payment and why I had been switched to Standard Repayment Plan. MOHELA stated they were working to put me into forbearance until they could get it straightened out. They stated that when transitioned to new platform that people were kicked out of SAVE plan and they were working on putting people back into it XX/XX/XXXX : Standard Repayment Plan payment charged to account - I was never placed into the forbearance that I requested XX/XX/XXXX : Called MOHELA back, explained the situation ( yet again ), and they said they would issue refund that could take up to XXXX business days XX/XX/XXXX : Called MOHELA again as I had not received notification about refund request or being processed, was told it could take XXXX business days XX/XX/XXXX : Called MOHELA to ask about repayment plan, as I am still in standard repayment and have another payment scheduled. was told that yes I should be in SAVE but can not be placed into SAVE at the moment due to injunction and that I should be in forbearance, was placed in forbearance XX/XX/XXXX : notification that forbearance removed, repayment schedule changed and repayment will begin on XXXX
Product: Credit card or prepaid card

I have a Victoria 's Secret Angel VIP card with a relatively small credit limit. I live in New York where we were ravished by the carnivorous pandemic. Unable to make it into the store to make a payment and an issue with the online payment system I received a few late fees and late reporting on my credit report. Considering all that has happened I am looking and hoping to have the fees reversed and late payment marks removed from my credit report. 

The CARES Act calls for agreements and accommodations '' between the lender and the consumer. I am asking a relatively modest request by waiting of late fees and negative credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Delete this account. 

2. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to dispute incorrect names that are on my report online at Experian. Would not allow me to do it so I called the number given and no matter which option I chose, I did not get anyone online and then it just said 'goodbye '. I called 4 more numbers to Experian spent over an hour trying all the different options and again no one and then 'goodbye ' or just hung up. I have been trying to get through to Experian for days and this is inexcusable.
Product: Credit card or prepaid card

XXXX XXXX XXXX-over charged on account {$300.00} to {$400.00}! 

AARP CHASE BANK-over charged {$1900.00} for dentures I do not have in my mouth, nor in my possession, and Ihave not received cost-benefit/effectiveness!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report that has negatively impacted my credit score. Specifically, there are two months of late payment charges listed on my Experian credit report that are inconsistent with the information provided by the other two credit reporting agencies, XXXX and XXXX. 

Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), credit reporting agencies are required to ensure that all information reported is accurate, complete, and verifiable. The discrepancies between your report and the reports from XXXX and XXXX raise serious concerns regarding the accuracy of the information provided by your bureau. Furthermore, Section 609 ( 15 U.S.C. 1681g ) of the FCRA entitle
s me to request all documentation used to verify the accuracy of the late payment information. Please provide the following : 1. The name, address, and contact information of the creditor reporting the alleged late payment.


2. Copies of any documentation provided by the creditor that supports this claim. 3. Evidence of the procedure used to verify the accuracy of this information. Additionally, under Section 623 ( 15 U.S.C. 1681s-2 ), data furnishers have a legal obligation to report accurate information. Any creditor reporting late payments inaccurately has violated their responsibilities under federal law. If this information can not be verified, I respectfully request its immediate removal from my credit file as required under Section 611 of the FCRA.

For your convenience, I have included a copy of my credit reports from XXXX and XXXX, which show no such late payments, as well as my identifying information. Please investigate this matter promptly and provide me with the results of your investigation within 30 days, as required by the FCRA.

If you find that the information is unverifiable or incorrect, please immediately update my credit report and send a corrected copy to all entities that have accessed my credit report within the last six months.

Thank you for your prompt attention to this matter. I look forward to your response and resolution of this issue within the legally mandated timeframe.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Act. The list of accounts violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 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 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604A.section2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C1681C. ( 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 if information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable abuse to believe that the information is inaccurate.
Product: Checking or savings account

In XX/XX/2017 I deposited a check from a client of mine into one of my Citibank checking accounts ( I have two Citibank checking accounts ). The check ended up getting returned and Citibank bank froze both my checking accountseven the checking account where the bad check wasnt deposited intoand closed both my accounts. This all happened two days after I made the initial deposit. So its not like days or weeks went by and I didnt take care of a bounced check on my account.

I dont have a Citibank where I live so I wasnt able to deposit money into my overdrawn checking, I was only able to do that via online through XXXX  or XXXX, but Citi closed both my accounts. I no longer had any access to my accountsat all!

I called XXXX and asked if they could transfer the XXXX I had in my second checking account ( that was also closed by Citi ) into my overdrawn account but they flat out refused. So not only did Citi close both my checking accounts before I could fix the negative balance in my checking account, they also closed my second checking account and kept the XXXX in it and didnt apply the money to my negative balance of my first checking account. I had my Citibank accounts for over eight years without any issues. Oh and they also reported me to XXXX.
Product: Credit reporting or other personal consumer reports

OnXXXX, I reviewed my credit report and saw that the XXXX credit reporting agencies Experian and XXXX still have not removed the personal names and addresses that do not belong to me per my request onXXXX XX/XX/23, and XX/XX/23. I even uploaded my CA ID as well. 

In accordance with the Fair Credit Reporting Act, they have violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681i ( 5 ) ( A ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate of incomplete or can not be verified, the consumer reporting agency shall... ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( II ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ( B ) ( i ) Certification of accuracy of information : If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. I have on numerous times requested that the credit reporting agencies remove those personal names and addresses that do not belong to me. I still see them on there and I also sent them a copy of my driver 's license.
Product: Credit reporting or other personal consumer reports

CREDIT REPORT THAT I DID NOT AUTHORIZE XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX ON XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

Bank of America put on hold on my deceased father 's checking account on XX/XX/year> with no communication on why. XX/XX/XXXX I find letters from Bank of America XXXX XXXX in my Father 's mail box regarding the hold on his account. On XX/XX/XXXX I faxed them all the documents they wanted. It is now XX/XX/year> and I haven't heard a thing. I call their XXXX XXXX and they rudely tell me I completed the forms incorrectly. No where does it state that I have to get my signature notarized after 40 days from date of death. Yet that's what they claim I needed to have done but no where does it say that. You are just supposed to know.Then they sent the forms and correspondence describing problem to my wrong mailing address even though I gave them the correct address on the original forms. It took them 13 days to even look at the forms I sent over XXXX on the XXXX. They will not email new forms. Now the burden is on me to run around trying to get new forms and a new notary. It seems they just want to hold onto to funds that do not belong to them. They have horrible customer service, poor or nonexistent communication skills and are the worst Bank that has ever existed in the United States.
Product: Debt collection

Senex Services based in XXXX, Ind have been reporting a {$600.00} medical collection on my reports to all three bureaus since XXXX. As of XXXX of XXXX, When I pulled my credit reports, I disputed said collection account and have not received verification of any masternote that contains my signature or any document for that matter with my handwritten signature. Everytime I try to verify with senex of said debt, they refuse to provide documents.