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

I applied for a VISA credit card with one Barclay Card from Barclays Bank Delaware to obtain financing to purchase Apple products. One time I did receive financing but, this year I had called the card service and they approved financing for {$1600.00} towards purchase of two XXXX devices and so I purchased based on their verbal assurance over phone but, actually they never gave me financing instead, they started charging me the full interest from the time I purchased the devices. After a few payments of interests when I call them they always dodge me stating the next statement will have all the reimbursement but, it never happened. So, I paid them in full and stopped using the card. In the previous balance which was {$390.00} due on XX/XX/XXXX, I send a XXXX & XXXX  check and mailed on XX/XX/19 but they still charge me {$31.00} as interest. Upon this, I called them and when I explained to them that I have full records of my payment signed and mailed on XX/XX/XXXX and it does not take more than 2 working days for mails to reach destination they waived off the fees and interests. At that point I requested them to cancel my VISA card account completely and give me a reference number or an email Notice of cancellation. They have failed to give me any reference number, nor any Notice. They only told me that I shall be receiving a letter. After that conversation I have neither received any letter nor any email stating my cancellation. I spoke finally with one operator whose name was XXXX and an operator ID XXXX  ( as told by her ). Kindly help me obtain complete account closure letter from Barclay Card. Their website is BarclaycardUS.com and their Customer Service is XXXX
Product: Credit reporting or other personal consumer reports

I HAVE CONSISTENTLY CHALLENGED THE INACCURACIES IN THE FOLLOWING INFORMATION WITH XXXX, AND TRANSUNION, AND UNFORTUNATELY, THE ISSUE REMAINS UNRESOLVED TO THIS DAY. 

XXXX : Incorrect Address - XXXX XXXX XXXX, XXXX XXXX, MO, XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
The following accounts are incorrectly reporting. 
XXXX XXXXXXXX - XXXX - The late marks being reported on this account is incorrect. 
XXXX XXXX  - XXXX - The late marks being reported on this account is incorrect. 
- XXXXXXXX XXXX XXXX - XXXX - The late marks being reported on this account is incorrect. 
XXXX XXXXXXXX - XXXX - The late marks being reported on this account is incorrect. 
XXXX XXXXXXXX - XXXX - Account in violation of the FCRA 15 U.S. Code 1666- CORRECTION OF BILLING ERRORS. The creditor failed to reflect properly on a statement a payment made by me. - The late marks being reported on this account is incorrect. 
XXXX XXXX - XXXX - The late marks being reported on this account is incorrect. 
XXXX XXXXXXXX  - XXXX - Section 609 of the FCRA states that you're required to send me the original paperwork that verifies this account otherwise, this is false information. 
These inquiries were not authorized : XXXX - XX/XX/XXXX - This inquiry is not authorized. Please remove from my report. 
XXXX XXXX - XX/XX/XXXX - This inquiry is not authorized. Please remove from my report. 
XXXX XXXX XXXX XXXX - XX/XX/XXXX - This inquiry is not authorized. Please remove from my report. 
XXXX - XX/XX/XXXX - This inquiry is not authorized. Please remove from my report. 
XXXX - XX/XX/XXXX - This inquiry is not authorized. Please remove from my report. 
XXXX - XX/XX/XXXX - This inquiry is not authorized. Please remove from my report. 

TRANSUNION : Incorrect Name - XXXX, XXXX, XXXX- This in incorrect. Please remove this immediately and only report accurate information. 
EMPLOYER - XXXX XXXX XXXX XXXX- This in incorrect. Please remove this immediately and only report accurate information. 
The following account is incorrectly reporting. 
XXXX XXXX XXXX XXXX - Section 609 of the FCRA XXXX that you're required to send me the original paperwork that verifies this account otherwise, this is false information. 
These inquiries were not authorized : XXXX OF XXXX - XX/XX/XXXX - This inquiry is not authorized. Please remove from my report. 
XXXX XXXX - XX/XX/XXXX - This inquiry is not authorized. Please remove from my report. 
XXXX OF XXXX - XX/XX/XXXX - This inquiry is not authorized. Please remove from my report. 
XXXX XXXX - XX/XX/XXXX - This inquiry is not authorized. Please remove from my report. 
XXXX - XX/XX/XXXX - This inquiry is not authorized. Please remove from my report. 
XXXX XXXX - XX/XX/XXXX - This inquiry is not authorized. Please remove from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I have noticed a number of inquiries and accounts that has been opened in my name fraudulently. 

Those accounts are XXXX  {$590.00} open on XX/XX/XXXX account number XXXX XXXX  XXXX {$660.00} opened on XX/XX/XXXX account number XXXX XXXX  {$2300.00} opened on XX/XX/XXXX account number XXXX XXXX XXXX {$860.00} opened on XX/XX/XXXX account number XXXX The following inquiries have been opened in my name that were not done by me. 
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX 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: Checking or savings account

Fraud Under the Alias of XXXX, USER TRIED TO OPEN A DEPOSIT ACCOUNT THROUGH BANK OF AMERICA, I WAS EMAILED ON XX/XX/23 OF THE DECISIONS THAT BANK OF AMERICA DECLINED MY APPLICATION. I HAVE NEVER BANKED W/ THEM, NOR HAVE I TRIED TO, I DID CALL THE FRAUD NUMBER, AND I ALSO EMAILDED THE FRAUD DEPTARTMENT, FORWARDING THE MESSAGES TO THEM. I SPOKE TO SOMEONE ON THE PHONE AND GAVE THEM MY CORRECT PHONE NUMBER, THEY HAD A DIFFERENT NUMBER ON HAND. 2 DAYS LATER I RECIEVED A CALL W/ AN ACCESS CODE,,, ( THINK THE FRAUDULANT TRIED TO ACCESS, THANKFULLY I CHANGED THE PHONE NUMBER. I HAVE SINCE PULLED MY CREDIT AND HAVE UPDATED MY INFORMATION TO NOT INCLUDE PHONE NUMBERS AND ALIAS. COUPLE MONTHS AGO ALSO GOT A STATEMENT IN THE MAIL THAT I APPLIED FOR A " XXXX  '' CREDIT CARD USING THE SAME ALIAS " XXXX '' AND JUST TODAY MY PLACE OF EMPLOYEMENT RECIED SAME 'XXXX  '' FOR UNEMPLOYMENT WHICH I DID NOT FILE OHIO DEPARTMENT OF JOB AND FAMILY SERVICES.
Product: Credit reporting or other personal consumer reports

Under the FCRA I have the right to have promotional suppressions placed on my account without requiring a full account freeze. Over the past 2 years, I have written TransUnion, both via certified mail, and through their Live Chat feature to have this suppression added to stop creditors from accessing my information and sending me promotional credit offers. TransUnion has repeatedly ignored and directly denied ( in writing ) my requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting the same Department of Education Balance twice. How can the same charge show up 2 separate times? Not only were these being updated during the pandemic, which the CARES ACT put a halt on all student loans, but I paid them off and was promised they would be removed. I trusted the Department of Education, which I paid close to {$2500.00} when money is extremely tight, to honor their word. Now not only are they reporting the same account twice but they are leaving them on making getting transportation and housing much harder and much more expensive. 

The struggling now are struggling more than ever. Our own Department of Education and TransUnion and XXXX  are hurting us more than anyone else. 
1. 
Account number XXXX Account status Closed Date opened XX/XX/2014 Account type XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX. 
Account number XXXX Account status Closed Date opened XX/XX/2014 Account type Installment XXXX XXXX  XXXX XXXX, WI XXXX
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, I noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or 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.

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 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: Mortgage

On XX/XX/17 went to local Wells Fargo Bank to pay arrears. I presented my check to Cashier who tried to enter into computer with fail, at which time she asked a senior clerk to try, again to no avail. I was referred to an upper level employee, possibly the Manager or Assistant. At this time he tried to process the payment and upon being unable, called the main office in Texas I believe he said. He had a phone call which lasted a couple minutes and upon ending the call he apologized first, and told me he was not allowed to accept payment. My original Account number was XXXX and the company changed it, I called and asked questions but was told the Company changed everyone 's account numbers. This company has been shady since the beginning.
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 : XXXXXXXX XXXX XXXX XXXXXXXX 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 : XXXXXXXX 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 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: Payday loan, title loan, or personal loan

I applied for a loan for a XXXX XXXX  with XXXX. I created a account with my up to date information and your corporation denied me because you couldnt validate my information. 

I called your corporation and your customer service against said my information does not match public records. 

I asked to upload documents and the rep said they couldnt do that.
Product: Debt collection

XXXX account opened XX/XX/2019, was opened for internet service for my apartment. I orderded the 150mbps package, once installed the service was slow ans went out intermitten. 

I called customer service several times over my term or service and had several inspectors come out to check the line. 

Unfortunately, the company stated that the plan that I was paying for was not available in my area and that I was overpaying for the service. 

At this time I would like to have the collection removed paid in full. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my XXXX XXXX, XXXX credit reports, TD Bank/Target card is still reporting to XXXX & XXXX negatively. They have updated the payment status of my account on XX/XX/XXXX as " Late & bad debt placed for collection & skip ''. This account was paid XXXX XXXX. For the months of XXXX through XXXX payment history is being reported as " Failed to Pay ''. This information is Inaccurate.
Product: Credit card or prepaid card

The issue is causing me XXXXXXXX XXXX XXXX XXXX, to the point where I'm having trouble sleeping.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report to make sure everything was correct. When viewing all 3 reports from XXXX, Equifax, XXXX and they are all reporting differently. Listed below is all the categories that show differently amongst all 3 bureaus. I sent a letter informing XXXX XXXX informing that the information that was presenting on credit reports is showing differenky on XX/XX/2023 and again XX/XX/2023. I would like for XXXX XXXX to make sure all information reporting is corrected. I have already sent a letter to the bureaus to either update the account to reflect correctly or delete per per TITLE 5. PROTECTION OF CONSUMERS OF FINANCIAL SERVICES CHAPTER 391. FURNISHING FALSE CREDIT INFORMATION Listed below are all the categories showing differently : Date opened Last verified account status payment status comments date last payment no. of months ( terms ) Payment frequency
Product: Credit reporting or other personal consumer reports

Im filing a complaint against XXXX failing to properly investigate my disputes regarding inaccuracy in my credit report. Despite my numerous submissions, XXXX, consistent response in XXXX hours stating that the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes, Futhermore, XXXX actions maXXXX also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) - ( A ) - ( B ), as highlighted in the CFPB recent administrative proceedings, ( File No. XXXX ) against them for similar violations. I request that the CFPB takes action against XXXX to ensure that they comply with federal law and provide consumer with proof of necessary investigations.
Product: Student loan

Over the years my husband had health issues and they were more than happy to give us a forebearance ; unfortunately they really did not tell you in detail that the interest would continue so it kept building up the principal balance due. We are now XXXX and XXXX and two years ago I got a reduction in the payment ; however, the 8.25 % interest continues. My husband is retired and I will be retiring at the end of the year. I guess my only option to get out of this mess with Navient is to take out a home equity loan on our home which will be at a much lower interest rate. Navient pushes forebearance and " reduction in payment '' but really do n't stress that the interest does not reduce and keeps adding to principal
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Debt collection

I filed a complaint with the Attorney General 's Office in New Jersey and the FCC because I currently go to XXXX and there is no way I am in collections with them. I spoke with the XXXX Manager in XXXX, NJ about this and said that it was an error. His name is XXXX XXXX, phone number ( XXXX ) XXXX. You can contact him and he will let you know that this should not be in collections or on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a previous complaint on Transunion and they responded and it was closed. 

According to the Fair Credit Reporting Act, Transunion is required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts that are reporting on the credit report. Otherwise, anyone paying for their reporting services could fax, mail, or email in a fraudulent account resulting in an inaccurate credit report.
Product: Vehicle loan or lease

We obtained a loan on a used vehicle in XXXX. In XXXX, we decided to pay this off early as we had several issues with the bank posting our payments correctly. The payoff letter was received on XXXX XXXX, a check was written that day and was sent to the address noted in the payoff letter XXXX a copy of the letter was enclosed with the check ). The check cleared my bank on XXXX XXXX. It is now XXXX XXXX, and we still do not have a title for the car and have been threatened with repossession. Both my husband and I have already logged complaints on this site. I have had repeated contact with XXXX representatives from the bank and have provided them copies of my cancelled check and bank statements several times. Every time the information is sent, they either claim they did n't get it or ca n't find it or it 's not quite what they needed. The most recent complaints on this site were closed out on XXXX XXXX saying that their " resolution '' was to ask for a copy of the cancelled check without the routing and account numbers redacted. As I said, they 've already received a copy of the check ( routing and account numbers are redacted ) and a copy of the bank statement XXXX account number also redacted ) as proof that the check cleared. Even though I am not a fan of handing out this sensitive information, I faxed the un-redacted copy on XXXX XXXX, the morning after we received the " resolution ''. At this point, I have heard nothing back and my voicemail has gone unanswered. Our car loan has been paid off for XXXX months now, and we are still arguing and waiting.
Product: Credit card

In approximately XXXX of XXXX I, XXXX called Wells Fargo to alert them to the fact that my credit card ending in XXXX had been fraudulently accessed and charges made for an amount in the area of {$10000.00}. I learned this when I logged in to pay my Wells Fargo Mortgage and saw the balance on said credit card. They took my information and said that they would process what I had given them and get back to me. They did not get back to me. The following month the same account had not been closed still and now had XXXX in charges on a card with a XXXX limit! I again called and was assured that it would be taken care of. They NEVER contacted me again so I assumed all was OK when I logged in the following month and the card was no longer under my Log In. 

Fast forward to XX/XX/XXXX. My husband and I apply for a loan and find out that this Account WAS STILL OPEN and reported as unpaid in my name. I spent nearly a MONTH calling WF almost daily with indescribably incompetent representatives who all seemed confused as I repeatedly described the occurrence day after day until I was finally told that the Account was now closed and I would receive ( in the US mail ) a letter detailing the fraud and a subsequent adjustment to my credit report. In the interim they refused to email me anything that could confirm or deny any of this fraudulent activity, their inexplicable inaction when alerted to this fraud initially or their gross inaccuracies in their reporting to the credit bureaus. I still have not received this letter and my account, while closed is marked " Charged Off '' as if it were an unpaid obligation! This has hit my credit score for XXXX points and prevented me from obtaining our loan PLEASE HELP. me! I am at my wits end with this excuse for a bank and their grossly inept handling of this entire situation from my first call to them over a year ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX financial is illegally reaging my credit report in an attempt to keep negative information on my credit report. They are reporting my payment status as 60 days late when this account has been paid in full for over XXXX years i've sent several request to ask that they refrain from this activity yet they're still reporting this misinformation in violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous letters to get this stuff off of my credit report. By law it should not be reporting on my credit report without my consent. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. Also per the CFR 1022.41 Section ( C ) ( 4 ), none of the bureaus did a proper investigation so they should not be reporting in anything on my credit report without my consent. Which I never or will I ever give them consent to do so. This is against the law and part of your regulations as well. I want everything list to be removed from my credit report immediately. 

XXXX XXXX XXXX  XXXX XXXX/XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX