23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had a credit card with Barclays Bank, it was opened in XXXX of XXXX. The account has been delinquent since XXXX. I had attempted to call multiple times within the past couple of years in an attempt to settle this account. During the times I was able to get in touch with a representative, I was either told I would be given a call back about a settlement ( which I never did ), or they said that they no longer had my account ( this is what I was told when I called in XXXX of XXXX, which was also not true ). In XXXX of XXXX, I contacted Barclays again in an attempt to reach a settlement, once again, because my boyfriend and I were pre-approved for a mortgage loan, and our lender said that I needed to settle the account in order to be fully approved for the mortgage loan. Barclays agreed that, out of the total that I owed them ( {$2200.00} ), I could settle with them by paying {$990.00}. I was to make three payments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I had to send payment in form of a check to an address they gave me. All three payments were sent in, and all three checks were processed by their bank. On XX/XX/XXXX, I noticed that I hadn't received any letter stating that the account was officially settled, nor did I see an update on my credit report. I called Barclays that same day, and a customer service representative told me that they never received my XXXX payment, and so my account is still charged off. I told this representative that this is not accurate, that the check was cashed and endorsed by Barclays. The representative asked if I was okay with him calling my bank ( XXXX XXXX XXXX ) on 3-way so they could confirm that I did, in fact, submit payment. A customer service agent with XXXX  XXXX XXXX confirmed that all three checks were processed, cleared, and endorsed by Barclays Bank. After this was confirmed, the customer service representative was still saying that they could not confirm that I had made this payment. He then transferred me to a supervisor who tried to search for the payment and could not find it. At this point, she said they would open a case in an attempt to locate the payment. She said it would take 25 days to complete this request. Then, when I called back a few weeks later, I was then told it would take 45 days to investigate. I am supposed to have my credit ran again by my lender in XXXX in order to get full approval for my mortgage and to close on my home. I can not understand how all of the checks cleared on my end, and were endorsed and made payable to Barclays Bank, and they received my first two payments, but somehow did not receive the third payment. I have also sent them copies of the checks that were mailed to them, including their endorsement on the back side of each check.
Product: Credit reporting or other personal consumer reports

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX XXXX, SD XXXX ; XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX Balance : {$460.00} ; XXXX XXXX XXXX XXXX Balance : {$5700.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXXXXXX : XXXX. XXXX, XXXX ; XXXX XXXX : XXXX. XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

An unauthorized amount totaling XXXX 3 separate transactions one of : XXXX, one of : XXXX one ofXXXX. 
And some how my bank ( chime ) conducted an investigation in less than 24 hours the determined no error occured. Am a single father of XXXX and it my only income mean XXXX a month for XXXX of it to be stolen.
Product: Credit reporting or other personal consumer reports

I insist on the removal of this late payment from my account, as it inaccurately portrays my payment XXXX. I have consistently adhered to making XXXX payments, and it is unjust to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.
Product: Mortgage

The insurance payment for the mortgage increased and it wasnt communicated in a timely or efficient manner. They held 2 payments and returned a third payment. I didnt learn that the payment was short until my other bank informed me that my credit score dropped XXXX XXXX due to a late payment. I supposed have a platinum account and they robo-called me instead of directly contacting me or leaving a message to return the call for an important message regarding the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

For years I have been paying a lot for insurance. I kept getting told by all the insurance companies that it could be that my credit is not so good due to them running a consumer report during the quoting process. Every time I would get a quote it would come back high or ineligible. I have always paid my accounts on time. I decided to get my report pulled and out of surprise there is a lot of things that do not belong to me. Please remove these items from my credit report. DPTEDXXXX {$3500.00} DPTEDXXXX   XXXX {$4400.00} DPTEDXXXX XXXX {$3500.00} DPTEDNAVI XXXX {$5700.00} XXXX {$8000.00} XXXX XXXX {$28000.00} CHAPTERXXXXBANKRUPTCYDISMISSED XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX {$22000.00} XXXX XXXX   XXXX {$450.00}
Product: Money transfer, virtual currency, or money service

PayPal has taken {$620.00} from my bank twice, yet only credited my account once. XX/XX/XXXX from my debit card, and XX/XX/XXXX from my checking account.
Product: Student loan

I actually have XXXX private loan and XXXX Stafford loan service through American Education Services. I am trying to pay above and beyond on the loans and they have messed up the form XXXX times. I have been in contact with them at least XXXX times this month. They have consistently gotten bank account information, amounts, etc. incorrect and have almost overdrafted XXXX my accounts several times. I do not believe it is unreasonable to not expect to sit on the phone every single night for hours to get this right. I am EXTREMELY happy with other service providers and only want to move my loans to these providers and not AES.
Product: Mortgage

Wells Fargo Home Mortgage loan transfer to XXXX and failure to apply XXXX in funds paid since XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I grew tired of doing the same thing over and over again with no definite outcome. I have been submitting countless CFPB complaints and multiple dispute letters requesting to you to remove the fraudulent accounts and information from my Credit File. My Credit Report contains a significant number of fraudulent information and this is what I have been trying to remove. Someone has stolen my identity and used it to open these accounts without my knowledge or permission. I also have been submitting Identity Theft Report with the FTC to help resolve my queries in accordance with the FCRA section 605b. Under the Fair Credit Reporting Act section 605b, you are required by law to remove any accounts and information that resulted due to identity theft. However, you have done nothing and I believe you will still do nothing. In accordance with the FCRA Section 605b, I need you to remove the following accounts completely from my Credit Report : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have also been requesting that you send me copies of proof of verification from your investigation and yet I have been receiving nothing! Now I doubt your claims that the disputed items have been investigated. Failure to send me copies of documents to support your claims should have resulted in the immediate deletion of the disputed accounts! Now I need you to remove these accounts completely from my Credit file.
Product: Debt collection

I received a letter in the mail stating that XXXX XXXX has sold my debt to USCB. I did not have any visit on XXXX XXXX XXXX which is what the debt collection agency is claiming that I have medical debt for. I checked XXXX XXXX and I do not owe any money to them as my insurance has covered the medical costs of last year and I have paid the rest already and these visits were in XXXX and XXXX of XXXX and not in XXXX XXXX as the debt collection agency claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter to Experian via certified mail with tracking number : XXXX in regards the inaccurate information on my report. I have not yet received any updated information regarding the investigation into the account. They have had ample time to investigate and update the accounts in question. 

Since Experian are dragging their feet where it's been well over 30 days, this is grounds for deletion of the accounts as I requested. Under 15 USC 1681b permissible purpose of consumer report, THE LAW CLEARLY STATES : that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer to whom it relates. I did not give Experian, or the companies who furnish the inaccurate information to Experian written instructions to furnish these accounts to my credit report.

I am trying to seek business funding and these inaccurate accounts on my credit report has violate my rights and defamed my character. Please delete the accounts as requested in the certified letter mailed to your company, Experian. Experian is in clear violation of the FCRA.

CFPB please assist me in getting these accounts deleted from my Experian consumer report. This I why I am reaching out for your assistance because I know that although your company is not a court of law, or an arbitration service you have the power to make these companies do what is right in regards the consumer, as you are the only credit bureau.
Product: Credit reporting or other personal consumer reports

I have tried several times over the past several months to get my free credit reports- Transunion has CONTINUALLY showed an error message Transunion is a sneaky company that will only give you a " free '' report or allow you to dispute the information on their reports when you sign up for an account with them and PAY them a monthly fee. 

I am truly disgusted with our Credit checking companies and the overall power they have that helps and / or destroys ones credit. It is my belief that they are allowed too much power and are held to no consequences or accountability therefore they take full advantage. 

I have a negative item ( XXXX MIND YOU ) on my credit report that is as of 2007 - it is too old and I have asked for it to come off my report. To this day it is still there.
Product: Debt collection

I have reason to believe that CREDIT COLLECTION SERVICES is " parking debt '' on my consumer report in an attempt to coerce me the consumer into paying a {$370.00} debt that I don't owe and has been doing so since XX/XX/2018. I've tried to remedy this situation through the process of disputing the alleged debt, but there was no " reasonable investigation '' done on behalf of CREDIT COLLECTION SERVICES or the three consumer reporting agencies XXXX, XXXX, or XXXX. Running a consumer report through the " XXXX XXXX' automated system does not constitute as a " reasonable investigation ''. I demanded " to see '' verifiable information such as, chain of custody, purchase agreement, bill of exchange, original documentation with my wet signature in " blue ink '' not a " carbon copy ''. None of which were provided to me after the conclusion of the automated investigation. So how can this alleged debt be valid or verified? Per 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( A ) Reporting information with actual knowledge of errors 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. Per the Federal Trade Commission : Just what is debt parking? Its the practice of placing purported debts on consumers credit reports without first attempting to communicate with the consumer about the debt. Some call it passive debt collection, but theres nothing passive about the injury it can inflict. Consumers often dont learn about it until a mortgage company, prospective employer, or other decision maker pulls their credit report and spots what appears to be an unpaid debt. With a house, car, or job in the balance, many people feel pressured to pay up even though they may not actually owe the money. Me and my family have suffered severely due to this inaccurate, erroneous information being reported on my consumer report. This has damaged my character, my reputation, and my general mode of living as well as my ability to obtain credit for personal and house purposes. 15 U.S. Code 1681- Congressional findings and statement of purpose U.S. Code ( b ) Reasonable procedures It is the purpose of this sub chapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this sub chapter. Now how are these kinds of deceptive tactics " fair '' and " equitable '' to me the consumer? I believe my consumer rights are under attack.
Product: Credit reporting or other personal consumer reports

I sent a dispute to Transunion about a XXXX or XXXX ago and I have not received a response. I am filing a complaint today because this information is damaging my credit rating, credit standing, and credit capacity and I am demanding that the information is promptly deleted. I am unable to verify the reported balance as I have never received a deficiency document from these furnishers pursuant to XXXX XXXX XXXX XXXX as stated in both federal and state XXXX law. In the dispute letter I asked Transunion to request that the furnisher provide this information and send me a copy before completing the investigation. According to the FCRA and XXXX XXXX, furnishers of information must follow certain procedures and requirements in order to comply with with their duties. Currently, these furnishers incorrectly furnishing information to my consumer report which violates the laws set forth by the FCRA. Delete these accounts from reporting immediately.
Product: Payday loan, title loan, or personal loan

I am being charged interest on the original amount of my loan, even though the balance has been declining for months. Here are the details : the company " XXXX by XXXX '' sells windows and uses " Green Sky LLC '' to provide interest-deferred loans that are interest-free if paid off by the end of a promotional period ( otherwise, in my case, it's a 24.99 % rate ). The promotional period for my loan through this process ( to purchase new windows for my home ) was 2 years. While monthly payments are recommended, none are required. For several months I didn't make any payments, but eventually I did. My original high balance was {$12000.00}, and the first month ( XX/XX/2021 ) it reached this balance my account was charged {$250.00} in deferred interest. Fast-forward to my XXXX statement : my unpaid balance is now down to {$11000.00}, and the deferred interest charge added is ... {$250.00}. Green Sky has been charging me that amount on every single statement, even as the unpaid balance has diminished. I called Green Sky customer service to point this out. I was told that that's just the deferred interest for my loan, and also that it wouldn't matter unless I went past my promotional time period and had not paid off the loan. The actual contract has 2 items that indicate charging interest on the original loan amount regardless of the unpaid balance amount is wrong. The first is this ( from a Q & A section ) : '' ... it is a good idea to make regular payments to minimize any deferred interest you might owe if the purchase balance is not paid in full before the end of the promotional period. '' The second is an element of the contract itself : " For value received, you agree to pay us : ( a ) so much as you may actually borrow from time to time by initiating transactions under the Loan Agreement, plus ( b ) periodic interest at an annual rate of 24.99 % on the unpaid Amount Financed outstanding '', and " We calculate the interest charge on your account by applying a monthly periodic rate to your outstanding principal balance on the first day of your first billing cycle and thereafter to your outstanding principal balance on the first day of each billing cycle. '' The operant wording indicates " unpaid balance '' or " outstanding principal balance '' is the amount interest is to be calculated on, and even the Q & A statement indicates a lower balance will result in lower interest owed. In Green Sky 's actual practice, you are charged interest on the original loan amount for the entire length of the loan, regardless of remaining balance. My balance of {$12000.00} was charged {$250.00}, and months later, my lower balance of {$11000.00} was charged the exact same amount of interest, {$250.00}. Directly complaining and explaining this to customer service resulted in no change or acknowledgement that anything was being done incorrectly, even though it's an obvious contract violation and morally ( and no doubt legally ) fraudulent.
Product: Credit card or prepaid card

Marketed & advertised ON LINE Easy set up ADA ACCESSIBLE NOT TRUE. USAA requires ( 2 ) two on line set ups to have FULL ACCESS. Disabled for years I have tried to gain access to USAA ON LINE BANKING ONLY Website was installed was told to get or send messages you need a mobile app from play store. Once that installed back and forth hand movements my XXXX XXXX can not do were WAY TOO PAINFUL. A message box secure email area is only in the mobile app when I try over and over to gain FULL ACCESS. I have tried over and over to send my documents and messages TO NO AVAIL. I make my only contact through CFPB because they do give me access by phone and USER FRIENDLY One website setup. They do Not require two set ups as USAA DOES. New USAA policy now is required TEXTS Emails two authorizations verificatons my hands can not do. In addition to numerous numerous hand movements In out UP DOWN two apps text codes ALL NOT USER FRIENDLY OR ADA ACCESSIBLE USAA IS ON LINE BANKING ONLY FOR this 35 year member. USAA POLICY has changed WITHOUT NOTICE TO ME since I first set up. I have NEVER IN 35 YEARS BEEN ABLE TO SET UP ACCESS ON LINE. When fraud happened I was NOT ADVISED ON PHONE POLICY OR GIVEN OPTIONS TO SEND DOCUMENTS THEY REQUIRED FOR FRAUD ID THEFT AND WITH NO ACCESS THIS WAS ALL I HAD. Then USAA blocked my phone access by blocking a PIN number it took me 3 years to set up when I informed a rep I could not go on line. This done for my protection per USAA. Once set up then USAA required more hand movements to make a temporary password permanet in TWO SITES. Verification codes, web set up and also mobile app set up is IMPOSSIBLE. One Sunday XXXX I had 125 texts to No avail. XXXX alerted me this was a security risk. Calls never lead to right department. MANY MANY Hours painfully holding phone for USAA is hazerdous to my health. USAA OFFERS NO SPECIAL NEEDS OPTION or USER FRIENDLY assistance set up.
Product: Credit reporting or other personal consumer reports

Please remove this information from my credit report within XXXXXXXX XXXX XXXX, in accordance with Section 605C of the Fair Credit Reporting Act. I would appreciate a notification once this has been done. Thank you for your prompt attention to this importantmatter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent car loan on credit report
Product: Checking or savings account

I am A costomer with Bank of America for many years. I was surprised that last year there were monthly fees deducted from my bank, amounting ( checking account ) {$4.00}, and previously, fees were also taken from me, which I contact them to return to me the sums that were deducted from me, but it took eight months. They continued to deduct this amount from me and called them again and they tell me that this is the bank 's policy, noting that previously they did not take these fees from me, and for your information, I used the bank card to purchase continuously and monthly
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that : XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX, XXXX XXXX  Inquiry date : XX/XX/XXXX, XXXX/XXXX XXXX XXXX XXXX XXXX   Inquiry date : XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX, XXXX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX
Product: Debt collection

I had an overpayment from XXXX with the Florida XXXX  XXXX XXXX XXXX, that was discharged in my Chapter XXXX Bankruptcy XXXX. I provided XXXX and their benefit payment unit a copy of my bankruptcy. I currently have an active, and payable unemployment claim. However, the XXXX contracted collection agency, United Collection Bureau, is garnishing 100 % of my state benefits to recoup my overpayment with them that was included in my chapter XXXX bankruptcy. I sent copies to XXXX, and United Collection Agency to  cease all garnishments of my state benefits to no avail. This is a direct violation of federal law namely section 524 of Title 11 of the United States Code, otherwise known as a bankruptcy discharge violation.