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

Barclay 's Bank. XXXX XXXX XXXX. On XXXX XX/XX/2019, 3 days ago, a credit was recorded on my account for a purchase which was refunded in the amount of {$340.00}. Three times yesterday my card was denied at merchants for amounts less than {$25.00} each. 
I went online and, as is 100 % of the time, the amounts reported on the website are inaacurate and do NOT add up. The website states : Credit Limit {$500.00}, Current Balance -  {$150.00}, available credit {$1.00}. 
I charge on average {$2000.00} per month on the card to get XXXX XXXX mileage. 
I have to visit the website 5-8 times a month to see if transactions have posted ( often takes 3 -7 days ). The website will not allow payment of transacations listed as "  temporary transactions ''. Once the transactions finally post I make payment in full. The payments often take 2 - 7 days to post. Making a turn around time for credit to be available of 5 -  14 days! 
100 % of the time the Credit Limit less Current Balance does NOT equal available credit. 
Spent an hour with Barclay 's Bank representatives today. A supervisor told me that the {$150.00} credit on my current balance was available today. Attempted a purchase and it was denied. 
Called and spoke with another supervisor who told me the credit in my Current Balance was NOT available until temporary transactions post. 
For 4 years I have charged and PAID OFF around {$2000.00} per month on this Barclay 's Bank XXXX XXXX XXXX. 
Barclay 's Bank refuses to increase my credit line based on my history with them. 
Website gives innacurate and misleading information 100 % of the time. 
Supervisors give untrue information. 
System is extremely flawed to not make refunded amount available to consumer.
Product: Mortgage

Select portfolio servicing is still showing my account as being behind, even though all the funds were paid to my previous processor, and I have seen the records showing that those funds were successfully sent to select portfolio servicing. I have been on the phone with select portfolio servicing for a month, trying to get my account updated to show me as current, I have spoken to managers who have assured me that they see the funds were received, and they will have my account updated only to then do nothing. 
Please help me have my account updated to correctly show that I am current on all my mortgage payments.
Product: Checking or savings account

I CONTACTED WELLS FARGO FOR I DIDN'T RECEIVE THE PRODUCT I PAID FOR FROM MY CHECKING ACCOUNT WELLS FARGO CREDITED ME HALF OF THE DISPUTE THEN REVERSED THE ISSUE AND MADE MA {$6400.00} NEGATIVE IN MY ACCOUNT CLOSED THE ISSUE WITHOUT MY AUTHORIZATION
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XXXX XXXX XXXX mcneil & meyers XXXXXXXX XXXX XXXX XXXX  collect XXXX thats derogatory accounts XXXX XXXX XXXX XXXX XXXX first all id theft address are id theft to all accounts addresses reported XXXX XXXX XXXX XXXX  XXXX ca XXXX and XXXXXXXX XXXX XXXX XXXX XXXXXXXX ca XXXX all id theft
Product: Credit card or prepaid card

Credit card was declined for fraud reasons for valid payments to XXXX ( XXXX  ) and XXXX. 
the same day, they approved several similar transactions from those two vendors, as I advertise online. 
this cost me $ XXXX in lost sales. 
The company never notified me of fraud concerns, but when I called them, they demanded that they had sent emails to me about fraud concerns. I checked my email, my spam, etc, and never got such emails. I have gotten them in the past, and immediately reply, to unblock the issue. 
in short : Wells fargo has records saying that they are sending fraud notifications that are not actually sent. they also have no way to adjust their fraud reporting for specific customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage company continues to report multiple negative late payments on my mortgage account even though they were paid on time and after several dispute reminders they fails to update the information under fair credit reporting act which is causing me great harm I'm refinancing my mortgage and low credit scores. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, nj XXXX   DOB XX/XX/XXXX SS # XXXX my loan # is XXXX  XXXX late reporting XX/XX/XXXX XX/XX/XXXX & XX/XX/XXXX 60 days late XX/XX/XXXX XX/XX/XXXX & XX/XX/XXXX 90 days late XX/XX/XXXX XX/XX/XXXX 30 days late XXXX  XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX120 days XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 120 days XX/XX/XXXX XX/XX/XXXX, & XX/XX/XXXX 90 days late XX/XX/XXXX XX/XX/XXXX 30 days late equifax XX/XX/XXXX XX/XX/XXXX 120 days late XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX & 60 days lateXX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX 90 days late XX/XX/XXXX XX/XX/XXXX30 days late
Product: Checking or savings account

I am a XXXX XXXX veteran who has been living in XXXX for XXXX years. My V.A. payments and XXXX are direct deposited to my T.D. Bank checking account. From XXXX, I access my money with my T.D. Bank ATM cards. 

In XXXX, I flew back to America and on XX/XX/year> around XXXX, I visited XXXX T.D. Bank branch on XXXX XXXX XXXX renewed my ATM cards and updated my address, told the representetive I will be living in XXXX until mid summer. Visited same branch on XX/XX/year> around XXXX to update my phone number. 

XXXX days ago I opened a T.D. Bank savings account online and transferred {$310.00} from my T.D. Bank checking account to my T.D. Bank savings account. When I tried to login to my account in the morning my checking account was locked. 

I called T.D. Bank customer service and fraud department XXXX times. Making international phone calls isn't cheap in XXXX. 

Than they locked all my accounts. 

I was told my account was frozen because I opened a savings account online.

There was no warning on T.D. Bank Web Site or the online tool that my accounts would be frozen if I open a bank account online.

There was no warning that I had to visit a T.D. Bank branch after I open a bank account online.

I gave them the password on my account, all the transaction details, I have both ATM cards. I even offered a video chat to prove my identification and they still want me to fly back to states and walk into a branch with my I.D . to prove that I am the person that opened the account online.

I have credit card payments which were due yesterday, and I can not access my money.

I just got back from America, and I can not afford an other trip back now. Especially when I am trying to save money to move back to XXXX XXXX.
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Debt collection

I have recently reviewed my credit report and I would like to inform you of the inaccurate reporting on my credit file. see list below. I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate this account. in pursuant to the FCRA section 6099 ( A ) ( B ) ( C ) I would like the name, email address, the addressed telephone number of the person who furnished and verified this derogatory information with transition. further I am requesting verification the amounts of any and all payments that led to this alleged debt being placed on my transunion consumer profile. al information pursuant to the FCRA section 609 should be mailed to XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, tx XXXX. I am disputingand requesting information on the following accounts. account name XXXX XXXX. account name enhanced recovery XXXX XXXX. account name XXXX XXXX XXXX. failure to properly investigate the accounts listed above will result in a " non verification '' which requires that the inaccurate information be immediately removed from my credit file. if any items return as verified please provide all records in regard to the FCRA section 609. I also  understand that the Fair Credit Reporting Act -specifically 15 USC section 1681i ( D ) AND 1681 J- requires that I receive both written notification of the appropriate corrections and updated credit report at no charge. thank you for your attention to this matter. XXXX XXXX
Product: Bank account or service

I have a Capital One credit card account. As with my bank atm/debit card accounts ( complaint filed separately ), My Capital One credit card account was hacked. Capital One acknowledges that all purchases that I claimed were not done by me and had credited back my account. They also advised me to stop using the card, which I did, and they would send me a new one. Each time, I could use the card for purchases and then again, other purchases would show up that I did not make. The cycle of fraud continued. 
However, there have been numerous cash advances and cash advance fees that started showing up which I explained to Capital One, not only do I not use the credit card for cash advances and I also do n't even have a pin for using. 
They called me and said that since there is a pin on the account and the phone number used to acquire this pin was one that I knew of ( my son and I were in the car and were about to go to dinner. I had gotten my new credit card and it needed to be verified so he used his phone to call and verified the account, but did not get a pin ). Because of this action, they claim that I know the person who has been using the card to make cash advance withdrawals. 
As of XX/XX/2017 my balance is now {$3000.00}. I have attached statements from both XX/XX/XXXX and XX/XX/XXXX, showing where adjustments were made and then debited back to me. 

They said their fraud protection does not apply to this because they claim they were made by someone I know. ( I feel they do n't want to admit that the system was hacked by someone and they have no way to prove who made these cash advances so they put it back to the consumer - same problem as I am having with my former bank ).
Product: Mortgage

LoanCare took over my loan in the middle of forbearance and I can not get in touch with them through phone or internet. They charged a late fee and I need to make sure I'm out of forbearance and I there is no phone or internet option that gets through. The phone has had me on hold for 30 minutes a couple times and hung up. The internet asks for my information and will not move forward saying that my social security # is incorrect. There is no contact option other than mail. There should be phone, internet chat and internet options to communicate and there are none. I'm trying to refinance my home and can not because LoanCare will not communicate.
Product: Credit card

On XXXX XXXX, 2015, I purchased XXXX shirts at Macy 's and was asked if I wanted their credit card, which I agreed to apply for. I also ordered a suitcase and canceled the order and never picked up the suitcase. On XXXX 2015, I received a bill from Macy 's that stated I was late with my monthly payment. I called them to tell them that I had never received the credit card and that the charge for the suitcase ( that I canceled ) was still on the bill. I also told them that I could not register to make a payment on their website and was informed that I had to activate the credit card ( which I never received ) in order to open an online account with them. I tried several times to resolve the issue via phone without success. Finally I told them I wanted to make a payment ( for the merchandise I purchase ) via phone and paid for the XXXX shirts I purchased. I then told them that I had never received the credit card and wanted to cancel the account. I was told by the Macy 's phone representative that I had to pay the interest and that the account would not be closed until I made payment. I explained to them that what I was being charged for ( all interest ) was not a fair business practice because I had never received the card. Recently I received a notice from a collection agency that I had to make payment. I also received a notice from the U.S. Office of Personnel Management ( OPM ) Cybersecurity Resource Center informing me that I had a negative flag on my credit because of the Macy 's account. This has greatly negatively affected my credit score and credit standing in general. I am being charged {$330.00} ( all interest ) for a debt that resulted because of Macys ' incompetent handling of my credit card account. Not one cent of the amount that Macy 's states I owe is for merchandise. I do not believe that Macy 's should be ruining my credit because of their unscrupulous business practices. I am a government civil servant who has much to lose credit wise and employment wise because of this situation. I would greatly appreciate any help that the CFPB could provide me to settle this matter.
Product: Credit reporting or other personal consumer reports

I received an email from my chase credit card on Saturday XXXX reporting new accounts opened. One by Bank of America which I have contacted to report and one by XXXX XXXX  XXXX with a non working number on my credit report. I did not open these accounts.
Product: Vehicle loan or lease

This issue is regarding an auto loan I had dating back to XXXX, with Credit Acceptance Corp. It was a used XXXX  and the transmission went out on the vehicle, I called and had them pickup the vehicle. I only had the vehicle for 24 months and the transmission went out. Credit Acceptance is reporting the vehicle on my consumer file as a repossession, the vehicle was not a repossession, it was an involuntary repossession because the vehicle was sent back because it had a faulty transmission. In addition, Credit Acceptance Corp is claiming I owe a balance of {$4100.00} dollars for a lemon they sold me. This account should not appear on my consumer file, Credit Acceptance Corp is reporting inaccurate information on my consumer file and this account should not appear on my credit file. This account should be removed from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' DEPT OF EDUCATION/NELN Balance details 11 % paid off Balance {$4600.00} Balance updated XXXX XXXX, XXXX Original balance {$5200.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Education Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Open/Never late. 
Status updated XXXX XXXX Original balance {$5200.00} Monthly payment {$0.00} Last payment date XXXX XXXX, XXXX Additional info Responsibility Individual Terms 180 Months Company sold - Original creditor - Comments Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) Your statement **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX  XXXX, IA XXXX Re : Dispute Regarding Inaccurate Late Payment on Wells Fargo Auto Loan Dear CFPB, I am writing to dispute a late payment reported on my credit report by all XXXX credit agencies for a Wells Fargo auto loan account. The late payment is listed for XX/XX/XXXX. 

Dispute Details : I have a history of on-time payments for all accounts, with no late payments in the past XXXX  years since I started my credit history. Maintaining a good credit score is important to me, and this inaccurate late payment is significantly impacting my credit report. 

I believe the reported late payment is inaccurate due to errors beyond my control that wells fargo had control of : Attempted Online Payment and Phone Payment in XX/XX/XXXX : In XX/XX/XXXX, I encountered issues logging in to my Wells Fargo online banking system due to problems with my password. Even resetting it didn't resolve the issue. Knowing the importance of on-time payments, I called Wells Fargo in XXXX to make a phone payment. Unfortunately, during this phone transaction, a Wells Fargo representative incorrectly entered my routing number, causing the XXXX payment to fail. My attached bank statements prove I had more than enough funds to cover my XXXX payment. 

Discovery and Resolution in XX/XX/XXXX : I wasn't aware of the failed XXXX payment due to the routing error until XX/XX/XXXX, when I made my regular XXXX payment. Upon discovering the error, I immediately contacted Wells Fargo again and ensured both payments for XXXX and XXXX. 

Previous Dispute Attempts : I submitted a dispute directly to Wells Fargo in XX/XX/XXXX, but my request was denied. 

I have also filed disputes with all three credit reporting agencies : XXXX : Denied my dispute. 
XXXX : Sided with me and removed the late payment. 
XXXX : Dispute is currently pending. 
Supporting Documentation : Given the documented online access issues, the error by a Wells Fargo representative, and my consistent XXXX history of on-time payments for this loan, and proof of funds in XXXX I believe this late payment is inaccurate and should be removed from my credit reports. I want to take into consideration of my clean record vs Wells Fargo ill practices and reputation over the past XXXX  years. This is an easy resolution and can be XXXX step in the right direction for all their past ill practices and wrongdoings. 

Supporting Documentation : I have attached copies of the following documents for your reference : My bank statements reflecting the XXXX and XXXX payments, demonstrating sufficient funds were available. 
Proof of my dispute attempts with Wells Fargo and the credit reporting agencies ( if applicable ). 

Desired Outcome : I kindly request that you investigate this matter with Wells Fargo and request the removal of the inaccurate late payment from all three credit reporting agencies ( XXXX, XXXX, and XXXX ). 

Thank you for your time and attention to this matter. I look forward to your prompt resolution.
Product: Debt collection

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail, or email in a fraudulent account.

This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. 

XXXX XXXX  Account Number : XXXX Charge Amount : {$1100.00} Date Opened : XXXX XXXX XXXXXX/XX/year> Reason For Dispute : Fraudulent Account, Account Not Mine, Unauthorized, Identity Theft