23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

i have discovered that Barclay has been applying finance charges to our account after the balance subject to finance charges has been in full each month. ( XXXX, XXXX and XXXX ). I also discovered that the interest rate was increased by 0.25 % in XXXX without notification. 
I send an email to the website and ask for an explanation why finance charges were applied to the account where the balance subject to finance charges has been paid in full before the due date. I received. A response next day that the finance charges accessed is correct. I called and spoke with XXXX at XXXX today, XX/XX/XXXX, and again ask about the finance but she can not explain why after i walk her through with the statement and payments. She told me that ID # XXXX has reviewed the account and i will be receiving a letter in the mail. 

XXXX- the balance subject to finance charges was $ XXXXdue on XX/XX/XXXX, multiple payment was made before the due date to cover the balance but finance charges of {$9.00} was applied to the account. 
XXXX- the balance subject to finance charges was $ XXXXand {$16.00} finance charges was applied. 
XXXX- the balance subject to finance charges was {$810.00} and {$16.00} finance charges was applied. 
I have attached the statements for XXXX, XXXX and XXXX to show the accuracy of my complaint along with the payments posted in the account. 

Barclay is applying the finance charges incorrectly.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX  XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX Balance Owed : {$980.00} XXXX XXXX XXXX XXXX Owed : {$0.00} XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I received an alert from my credit monitoring regarding a hard inquiry from XXXX. I called XXXX immediately to report the fraud. They confirmed that someone used my social security number to open a credit card. As a result, they declined the credit card application. After the call, I filed a report on identitytheft.org and placed a fraud alert on all 3 credit bureau. 

On XX/XX/2021, I received another alert stating neiman marcus made a hard inquiry through XXXX  and someone attempted to open a credit card with my social security number. Neiman Marcus stated that the credit card application was declined as there is an active fraud alert. I requested for a letter stating the fraudulent incident, but they refused to provide as the application was declined. They also stated that the hard inquiry will be dropped from my credit report after 30 days. 

Since then, I've been monitoring XXXX  on the hard inquiry but it was never removed. I attempted to dispute with XXXX  and they stated that neiman marcus is the only source that can request removal of the alert. 

On XX/XX/2021, I contacted neiman marcus and requested to speak with the fraud department. They told my phone number but never got back to me. I called capital one, the bank that host neiman marcus credit card. Since I'm a capital one customer also, we had a conference call together with XXXX from neiman marcus. XXXX stated she will contact equifax to get the inquiry removed. When I requested for a letter stating which information is fraudulent, she stated that is not something they provide and told me to wait 90 days. 

I am skeptical of neiman marcus ' willingness to resolve the fraudulent activity. 
-They never called me to understand the fraudulent activity. 
-They never provide a letter stating which information is fraudulent. 
-XXXX was not able to help in any way.
Product: Checking or savings account

Chime is once again holding on to their customer 's paychecks. I was supposed to get paid yesterday via direct deposit and no deposit has been added to my account. Upon looking on XXXX Chime hasn't given a lot of people their money that we all have worked hard for. I called Chime support and told them about not getting my money and they have given me no reason as to why my money isn't in my account. They are offering no solution either. The week before XXXX and they pull this. This is insane.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FAIR CREDIT REPORTING ACT the following collectors are in violations of my rights as an consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5500.00} also FRAUDULENT INQUIRIES FROM ALL Credit Bureaus. I have provided an FTC identity theft report with the inquiries! 

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.

15 U.S.C. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled the debt I owed to a collection agency via a rental home I owed on. They did not remove the account off my credit report like promised after I paid the balance. I still am unable to rent rental homes due to this collection still being on my account even though it was PAID. I checked with the original creditor and they have been paid and verified that as well. I need this collection marked as paid and removed so when my credit is ran by rental home companies I am able to be approved to rent. Please fix this is causing me to be XXXX with XXXX children because I can not get approved when this account is paid and old. Please assist.
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 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 : XX/XX/XXXX XXXX BALANCED {$0.00}
Product: Credit reporting or other personal consumer reports

Equifax credit reporting agencys shows XXXX fraudulent inquires, please remove all fraudulent inquirys listed below inquiries XXXX XXXX XXXXXXXX Inquiry dateOct XXXX, XXXX Removal dateXXXX XXXX XXXX XXXXXXXX XXXX  XXXX Inquiry dateXXXX XXXX, XXXX Removal dateXXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX Removal dateXXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX Removal dateXXXX XXXX XXXX XXXX 'S XXXX Inquiry dateXXXX XXXX, XXXX Removal dateXXXX XXXX XXXX XXXX  Inquiry dateXXXX  XXXX, XXXX Removal dateXXXX XXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX Removal dateXXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX Removal dateXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX Removal dateXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry dateXXXX XXXX, XXXX Removal dateXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry dateXXXX XXXX, XXXX Removal dateXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX Removal dateXXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX Removal dateXXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX Removal dateXXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX Removal dateXXXX XXXX XXXXXXXX XXXX XXXXXXXX Inquiry dateXXXX XXXX XXXX XXXX Removal dateXXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry dateXXXX XXXX, XXXX Removal dateXXXX XXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX XXXX XXXX Removal dateXXXX XXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX XXXX XXXX Removal dateXXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX Removal dateXXXX XXXX
Product: Credit reporting or other personal consumer reports

I noticed unauthorized inquiries on my credit report. The following unauthorized inquiries are : XXXX XXXX XXXX XX/XX/2023 XXXX XXXX ( auto finance ) -XXXX  XXXX
Product: Credit reporting, credit repair services, 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  Reference Number XXXX XXXX Credit Account # XXXX VXXXX XXXX  Account # XXXX XXXX XXXX Co Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX 'XXXX XXXX, XXXX Account # # # # # # XXXX XXXX XXXX XXXX, XXXX Account # # # # # # XXXX XXXX XXXX XXXX, XXXX Account # # # # # # XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX Account Number XXXX XXXX  Account Number 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 an account without my written instruction. 

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 ) states : 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: Credit card

I received a letter in the mail by chase card services stating that on XX/XX/year> someone may be using my personal information fraudulently and declined an application for their credit card. I was told to contact you.
Product: Consumer Loan

Lending Club does not allow payments to be made early. You can make a payment early and reduce balance but does not count as the minimum payment due. All credit card companies allow you to make your minimum payment anytime up to and including the due date. For some odd reason Lending Club does not and offers no explanation other than to change the due date.
Product: Credit reporting or other personal consumer reports

I did not authorize these inquiries which appear on my credit report. This are unauthorize inquires in my credit report I would like this inquires removed. ( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consume
Product: Credit reporting, credit repair services, or other personal consumer reports

i have many inquiries on my account that i do not recognize
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit card

I HAVE HAD AN ACCOUNT WITH DISCOVER CARD SINCE 2011. I HAVE PAID THEM AS AGREED MONTHLY EVER SINCE. HOWEVER, NOW THEY HAVE DECIDED THAT THEY WILL NOT GRANT ME CREDIT ANY LONGER? I HAVE NOW AN AVAILABLE CREDIT LIMIT OF SOME {$1500.00}. THEY REFUSE TO ALLOW ME TO USE THIS ACCOUNT? I AM VERY ANGRY ABOUT THIS TO SAY THE LEAST!
Product: Credit card

I have always ensured that payments on this account are made promptly, never allowing them to become overdue. I am unsure why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES LAST XX/XX/2021 IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 36 DAYS. I FILLED A XXXX DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Product: Credit reporting or other personal consumer reports

This account of a Student Loan with XXXX XXXX XXXX, was cancel and the debt was remove from my credit report and per Experian and XXXX XXXX XXXX also a copy of the 1099C IRS debt cancelation form is attached .Account closed Date was XX/XX/. 


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

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed multiple addresses and other false or in accurate information on my credit report With Experian to the point where they won't let me file a dispute using the app anymore on those particular items. A caption that comes up every time It says a certain account is still reporting but if I tell them it isn't my account then why are they even letting it report? I did some disputes for Experian XXXX XXXX through the mail and both same results no luck with any of it. There is a lot of errors and inaccurate information on my credit report which is a total violation of the FCRP act. So I sent in a personal information update letter with my Current Personal Information. All was done was the added my new information with the inaccurate information that I've been trying to get off for the last 3 years or more. I filed a Identity Theft report and they still haven't removed any of the fraud or inaccuracies off my credit report and they fail to physically verify them also and will not delete them. Which is also a violation FCRP Act. They have no regard for the individuals whose information they make money off even if its wrong and it does slander the individual whose name is on the Credit Report.
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 

Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act 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 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 an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX Balance : {$30000.00} ; XXXX XXXX  Balance : {$16000.00} ; XXXX Balance : {$17000.00} ; XXXX XXXXBalance : {$11000.00} ; XXXX XXXXXXXX Balance : {$2800.00} ; XXXX Balance : {$17000.00} ; XXXX XXXXXXXXBalance : {$12000.00}.
Product: Payday loan, title loan, or personal loan

In XXXX of 2018, I was sent a preauthorized check from Tower Loan for the amount of {$1200.00}. At the bottom of the page, it clearly stated that the amount I would have paid back was {$1400.00}. On the back of the paper with the disclosures, it clearly stated that no insurance was being sold in connection with the loan. When it came time to pay the loan back, Tower Loan called me and said I was approved for an additional {$500.00} to this loan. I did not contact them. I agreed and when I went to sign, they treated me very poorly. Then, next thing I know, they started demanding that owe them {$4200.00}, stating I had signed off on all these insurances I never Asked for or agreed to. I have been harassed relentlessly, and I Do not owe them for charges I never agreed to, especially when it clearly stated on the original loan document, that no Insurance was being sold with then loan. These people are bullies, and have called me at work, at home after XXXX XXXX, and have still contacted me after we went to litigation.
Product: Debt collection

Name of Creditor : CREDIT COLLECTION SERVIC Address : XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX, MA XXXX Re : Progressive Insurance Company Amount : {$390.00} Dear Sir or Madam, I am disputing the validity of the debt referred to above. I am not aware of the account number and you have not informed me of the existence of this account. 

I am willing to pay this account IN FULL ( or a settlement percentage, whichever is feasible ) if you agree to immediately delete the account from the credit reporting agencies ( namely XXXX, XXXX and XXXX ) that you have reported to, and validated this account. My sole purpose is to get this item removed from my file. This letter should not be interpreted as recognition of the debt or acknowledgment of liability for the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent Accounts and inquiries on all Three Credit Reports. 

Accounts 1. XXXX XXXX {$150.00} 2. XXXX XXXX XXXX {$10000.00} 3. XXXX CO XXXX {$18000.00} 4. XXXX XXXX {$1200.00} 5. XXXX XXXX XXXX {$16000.00} Inquiries 1. XXXX XXXXl 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX