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

Payment was made on XX/XX/22 in the amount of {$11000.00}. Check was clearly stated in the numerical amount box and on the dollars line on the check. 

Barclay Master Card US posted payment of {$1200.00}. Which caused an outstanding balance, late fee, interest, etc. 

Contacted customer service on XX/XX/22 and again on XX/XX/22. They can not connect me to anyone in payments to discuss how to resolve. 

I have messages them on the web site and called and wasted numerous hours on this to try to figure out how to resolve their error. No one can help me. 

I need to talk to a grown up at Barclay who can speak the English language and intelligently discuss how to resolve this matter. 

Barclay reference number XXXX submitted on XX/XX/22.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. 
XXXX XXXX Balance : {$1700.00}
Product: Credit card

I have a Barclay MasterCard, which I canceled XX/XX/XXXX. However, I received a bill for an annual fee in XXXX. I called again and canceled and the fee was supposed to have been credited since I no longer wish to hold the card. I received another bill in XXXX, I called and canceled again and I was assured it was canceled. I recently went to purchase a vehicle and was told I have delinquencies on my credit which Ive never had. Once I got the report, I noticed Barclay credit card has put a delinquent notice on my credit report. I just called them again today being XX/XX/XXXX. This is a malicious practice and has now affected me financially and personally. I have worked hard on my life keeping and Sterling Credait and its unfair for large companies, such as Barclays to take advantage of people the way they have. What can a person like me do to get compensated for my pain and suffering? As of this moment once again speaking to Barclay, I was issued a case number XXXX and once again assured, they will close my account and credit the account of the annual fee, but I have no insurance they would actually do that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed with XXXX XXXX, Equifax and XXXX and did not get return resolution for disputes or responses at all. No reports mailed back to me and no response in email from any of, these institutions sent disputes to each company on XX/XX/2022 they are over way over the time frame that a response should have been completed and returned to my home address on file
Product: Debt collection

Received a call from Genesis XXXX XXXX on XX/XX/24 ( XXXX ) XXXX. XXXX was left on my phone asking to return call. Returned call same day and spoke to a XXXX who stated I owed a debt of {$5300.00} for an apartment rented at XXXX XXXX XXXX. Informed XXXX that I'm a victim of identity theft and asked if she could send documentation to my email. Received an email with debt listed on XX/XX/24.
Product: Vehicle loan or lease

We have an automated.ACH transfer from XXXX XXXX XXXX to Key Bank for 4 years they have lost XX/XX/23 's payment ... XXXX assures it went thru and processed right and Key Bank denies it yet our checking account has had the money taken for the payment of {$680.00}. We have gotten the run around from Key Bank for 2 business days.. Both banks have made us do the toe to toe fighting. MEANWHILE I feel they lost, stole, miss handled or embezzled our money..
Product: Credit card or prepaid card

I responded to an email offer from  XXXX  +  XXXX   XXXX   XXXX  XXXX  XXXX  for free merchandise ( there is a small shipping charge  ) i f I took a survey. I took the survey and ordered the " free '' merchandise. Later learned from a friend, who did the same, that this is a scam that continues to send additional ( expensive  ) ite ms paid for wit h Automatic Recurring Charges to th e VISA card.   XXXX  I saw no statement that additional purchases and an  " Automatic Recurring Charge ' ' would be set up on my  VISA card but one  was.   XXXX  I cancelled t he VISA card  and will reestablish  XXXX  valid recurring charges on the new account. Think I 've handled it but just want to let you know this is going on.
Product: Credit reporting or other personal consumer reports

Hi CFPB, I am writing to formally request the removal of a derogatory mark on my credit report related to Well 's Fargo account number XXXX, an auto loan for my youngest daughter, XXXX XXXX, which I co-signed. This loan originated in XX/XX/year>. Although my contact information is listed on the account, all statementsboth paper and electronichave historically been sent solely to XXXX, the primary borrower. 
In XXXX of this year, while logging into my Wells Fargo app to pay a credit card balance, I was surprised to be notified of a 30-day delinquency on this auto loan. Upon learning of this issue, I immediately took action to bring the account current. Unfortunately, this delinquency has resulted in a XXXX point drop in my XXXX credit score. 
I respectfully request the removal of this negative mark, considering the following factors : I have had multiple loans and lines of credit, both past and current, with Wells Fargo, all of which reflect a perfect payment history. 


My daughter, who was solely receiving account statements, was unaware of the impact of a missed payment on credit scores. This has been a learning experience for her, and I have since ensured that all future statements are sent directly to me so I can personally oversee payments and prevent any recurrence. 


As a co-signer, I was surprised that I never received any prior notification directly to me of a late or missed payment until after the account was already 30 days delinquent. 


In the coming months, I am resetting an eight-figure commercial mortgage, and this derogative credit score impact is likely to have significant financial implications. 


I appreciate your time and consideration in reviewing this request and look forward to your response. 
Sincerely,
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXDate Opened : XX/XX/XXXX Balance Owed : {$4400.00} Chagreoff XXXXXXXX XXXX XXXXDate Opened : XX/XX/XXXX Balance Owed : {$450.00} Late/Open
Product: Debt collection

Toward the end of XXXX, mail was stolen from my mailbox. My mail, including several credit card applications, were found in the home of a man they arrested for drugs. Before the arrest the individual had already initiated an unsolicited application from XXXX XXXX for a {$300.00} card. In XXXX XXXX, I started receiving statements for the {$300.00} plus late fees. I explained the Post Office notified me of the theft and the card was not requested by me, and I asked for XXXX XXXX to provide the application with my signature. They refused to provide any documentation. Around XXXX, the debt was transferred to Portfolio Recovery Associates. I explained the theft to them, requested documentation showing my signature ( or proving it was falsified ) and they refused to provide any documentation. I requested this documentation by phone and also by mail. Nothing has ever been provided, except random statements showing a debt of {$1500.00}. The calls and mail have continued for more than 13 years. The mailed documents state, " Because of the age of your debt, we will not sue you for it and we will not report it to any credit reporting agency. '' This statement demonstrates the relentless calls are unfounded and nothing more than harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
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 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 XXXX 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

XXXX XXXX bank Account {$3600.00} balance last updated. 

Is now paid and closed. Please update.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account closed with lender on XX/XX/2022. Account remains as opened with Experian. Have filed disputes with Experian, but pursuant to a vague response of result, account continues to show as open. Just contacted ( today ) lender. Said had to wait. Despite 3 disputes, Experian does not update account status. So bouncing between lender and credit agency, despite having provided copy of lenders letter confirming closing of account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent inquiries in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a complaint and Per FCRA section 605b Credit Reporting Agencies are required to remove & block any inquiries listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of inquiries which do not belong to me or were opened without my permission. 
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 . According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file 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
Product: Debt collection

I've been a customer of XXXX for several years, I've not missed a bill because my account has always been on autopay via credit card. In XXXX I switched plans from cable to internet streaming. XXXX I believe provided me a new account number, however they did not inform me of an additional amount owed of {$93.00}, which I did not know about until recently when running my credit. I paid the balance to the collections agency, Waypoint, on XX/XX/XXXX of this year. Since then I've requested several times to receive a deletion letter to remove the amount from my credit report, but these requests have gone unfulfilled. I believe that submitting my balance to a collection agency should never have happened in the first place as I currently have services with XXXX with no interruption in service that would have warranted a non-payment collection. I don't believe I should be held at fault that XXXX did not link the accounts together when I amended my plan options. Given the digital age their system should be to link accounts ( active and open ) when they have my name, SS #, address, etc. I do expect more from a communication company with how they treat their active customers. 

In short, due to negligent account management this collection needs to be removed post-haste from the credit bureaus due to erroneous mismanagement of my account and negligent communication to me by their representative with the process to expect when I amended my services. Also please note again the amount was paid to the collection agency once I learned of the balance due.
Product: Money transfer, virtual currency, or money service

I have a balance within my Apple Wallet ( Apple XXXX Balance ) but am unsure of how to use this to pay my Apple Card balance down or use online at websites like XXXX, XXXX XXXX XXXX XXXX has made it very hard to apply Apple XXXX balance towards Apple Cash Card, or GS Apple Card
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexisnexis is the company I am having issues with. I have noticed that my information in my scores are incorrect or missing information. I have requested a hard copy of my report but still have not received it. I decided to opt-out on XX/XX/XXXX. XX/XX/XXXX, I decided to put a security freeze on the account, I gave them a call. They informed me that the freeze will be in affect after XXXX hours. On XX/XX/XXXX, multiple insurance companies were still able to check my account without my consent. I gave them a call back ( lexisnexis ) today XX/XX/XXXX, and the lady I spoke with told me to call those same insurance companies to ask why they did a search for my credit. I asked the representative from lexisnexis why were insurance companies still able to check my credit with a security freeze and she could not answer that, nor give me directions in solving it. For 4 years this has been affecting my insurance rates and me not being able to even obtain home insurance from most companies due to incorrect information. When I first spoke with Lexisnexis ( approx 3-4 weeks ago ) asking what was in my report and that I would like to dispute it, he just told me he can not help me. That I can not put a dispute in with lexisnexis. I have never had problems before with my scores. This is my XXXX XXXX, military family that moves alot. For some reason when I bought this house all my problems with this company started.
Product: Credit reporting or other personal consumer reports

To whom this may concern, My name is XXXX XXXX XXXX, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically U.S.C Subsection 1681-1 ( a ) and 15 U.S.C. Subsection 1681-B, to demand the immediate removal of the accounts listed on my credit report. These accounts were added without my express written consent, a violation of my rights as a federally protected consumer. Federal law prohibits reporting any credit information without direct authorization, and the lack of my consent renders these listings both unauthorized and potentially indicative of identity theft. I am therefore demanding the prompt deletion and permanent removal of all the referenced accounts. Additional Unauthorized Hard Inquiries : 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
Product: Checking or savings account

I have had numerous ( at least 5 ) instances where I have tried to wire money and the transactions are flagged and cancelled. When I've called, there is no substantive reason why. Due to that issue, I write paper checks if it's a larger sum. I wrote a check for {$14000.00} to a contractor that was owed a final payment. The check was cancelled. I was advised that Chase had called me, and then messaged me inquiring. When I asked for proof, it was then advised by their " Escalation Department ( XXXX ) that they in fact didn't call or message. I am convinced that Chase simply does not like funds of any significant amount being pulled from their Bank and make it difficult to do so. I have spent many hrs. on hold, waiting for info, etc. Every time, there has been no reason for the cancellation of my transaction. I believe they have some sort of " informal '' deny on first attempt procedure in place. I will be changing banks even though I have been with Chase for many years.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/year>, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX Subject : Dispute of Collection Account Request for Removal Due to Lack of Debt Validation To Whom It May Concern, I am writing to dispute the accuracy of a collection account listed on my credit report under the account # 11068. I previously requested debt validation from the collection agency handling this account, but they failed to provide the required validation. According to the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ), a collection agency must provide verification of the debt upon request. Since the collection agency has not provided this validation, the collection account should not be reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I am requesting that you reinvestigate this matter. The continued reporting of this collection account without proper validation is inaccurate and violates the FDCPA. Please remove this collection account from my credit report and provide written confirmation of this action. If the collection agency can not validate the debt, the account must be deleted from my credit file as required by law. Thank you for your prompt attention to this matter. I look forward to your response. Sincerely, XXXX XXXX XXXX
Product: Mortgage

On XX/XX/XXXX, I sold a property at XXXX XXXX XXXX, XXXX, TX XXXX as a short sale. I had XXXX liens on the property. There were NO lines of credit on the property. On XX/XX/XXXX, the loans were transferred to Bank of America, which is when my nightmare began. This is my 3rd COMPLAINT with Bank of America for this same property. Bank of America harassed me over payment for the loans and a property which had been sold. Additionally, they are erroneously reporting the first lien account number # XXXX on my credit supplement as a close date of XX/XX/XXXX, which is COMPLETELY inaccurate. Additionally, they are reporting the loan as a line of credit, AGAIN MORE INACCURACIES from Bank of America. I honestly do not know what else to do. I am trying to purchase a home with a very tight window for closing, and Bank of America refuses to assist me. I have called numerous times and I simply get transferred around with no help. I need someone, ANYONE AT BANK OF AMERICA TO SEND A LETTER TO MY EMAIL ADDRESS STATING THAT THE PROPERTY WAS SETTLED AND CLOSED XX/XX/XXXX. I NEED THIS AS SOON AS POSSIBLE. I AM ATTACHING THE HUD-1 SHOWING THE PROPERTY WAS SOLD ON XX/XX/XXXX ALONG WITH THE SHORT SALE APPROVAL LETTERS FROM XXXX SHOWING RELEASE OF THE LIEN AND THE ACCEPTANCE OF {$170000.00}. THIS BANK IS SO UNETHICAL. BANK OF AMERICA TRANSFERRED THE LOAN TO XXXX AFTER THEY SENT ME A CANCELLATION OF DEBT. THEY SOLD IT TWO YEARS LATER. AGAIN, UNETHICAL PROCESSES OF BANK OF AMERICA CONTINUE. THERE IS NO ONE AT THE BANK WILLING TO HELP CORRECT THEIR MISTAKES. I COULD GO ON. THIS IS THE ONLY COMPANY I HAVE EVER ENCOUNTERED SUCH AGGREGIOUS PRACTICES. SURELY THESE PROCESSES ARE UNLAWFUL. I DO N'T KNOW WHAT ELSE TO DO. THIS BANK CONTINUES TO REPORT INACCURATE AND FALSE INFORMATION. CAN THE CFPB INVESTIGATE THE FRAUDULENT PRACTICES OF BANK OF AMERICA? I AM SURE THAT I AM NOT THE ONLY ONE WHO CONTINUES TO SUFFER AT THE HANDS OF THIS BANK. SOMEONE HAS TO STOP THIS.
Product: Credit card

XXXX received a credit rejection letter. I never applied for credit! My identity was stolen in the past 3 weeks and two things have happened since then, this is the 2nd. The other had 2 cards issued by another group ... I never applied for and, ready, they were mailed to ME under 2 names. (? )
Product: Credit reporting, credit repair services, or other personal consumer reports

, I just discovered even after disputing with the credit bureaus, there is still an inquiry from your company being reported improperly. I am not sure of the origin of the inquiry This is why I would like validation of the inquiry to verify their accuracy. I need to examine the statements that show how the inquiry accumulated and the original signed contracts or applications giving the original creditor permission to pull my report. I have been the victim of identity theft in the past.. At this point I am not alleging it is a fraudulent inquiry, however ; it is a possibility. I need to look through these documents to determine if the inquiry is the result of unauthorized use.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I contacted American Express to pay off/Settle my account. 
They offered me {$900.00} to Settle the account and it would be considered paid in full and close the account. The full balance was {$1300.00} originally On XX/XX/XXXX XXXX  alerted me that American Express had reported that my account had been charged off. Which is completely inaccurate and False.. 

American Express has not complied with what they had promised me. They are still asking for {$490.00} more, even after they have said that my payment of {$900.00} would settle the account as paid in full and close the account. 

They have lied to me on every account, and now XXXX will not allow me to Dispute this account. 

American Express has not sent me any documents as of this date, but I do have proof of my payment with my bank and American Express has a Recording of my Phone Call with them when I settled the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account XXXX, has violated my rights 15 USC 1681 SECTION 602 States I have the right to privacy.15 USC 1681 SECTION 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit pans as late for purpose