23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX Balance XXXX : {$860.00} XXXX XXXX XXXX XXXX Balance Owed : {$110.00} XXXX XXXX XXXX Balance Owed : {$150.00} XXXX XXXX XXXX Balance Owed : {$410.00} XXXX XXXX XXXX Balance Owed : {$37000.00} XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed XXXX {$9800.00} Chapter XXXX Bankruptcy XXXX Date XXXX XXXX XXXX XXXX XXXX Balance Owed : {$110.00} XXXX XXXX XXXX Balance Owed : {$410.00} XXXX XXXX XXXX Balance Owed : {$150.00} XXXX XXXX XXXX Balance Owed : {$540.00} XXXX XXXX XXXX Balance Owed : {$36000.00} XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$7700.00} XXXX XXXX  XXXX Balance Owed : {$870.00} XXXX XXXX XXXX  XXXX Balance Owed : {$250.00} XXXX  XXXX Balance Owed : {$9800.00} XXXX XXXX XXXX XXXX Owed : {$1900.00} XXXX XXXX XXXX XXXX Owed : {$1900.00} XXXX XXXX XXXX XXXX Owed : {$180.00} XXXX XXXX XXXX XXXX Owed : {$1200.00} XXXX XXXX XXXX XXXX Owed : {$120.00} XXXX XXXX XXXX  XXXX Balance Owed : {$2000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$860.00} XXXX XXXX XXXX XXXX Balance Owed : {$110.00} XXXX XXXX  XXXX Balance Owed : {$410.00} XXXX XXXX XXXX Balance Owed : {$150.00} XXXX XXXX XXXX Balance Owed : {$37000.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$7700.00} XXXX XXXX Balance Owed : {$9800.00} XXXX XXXX XXXX XXXX Owed : {$1900.00} XXXX XXXX XXXX XXXX Owed : {$1900.00} XXXX XXXX XXXX XXXX Balance Owed : {$660.00} Chapter 7 Bankruptcy XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

I was sold a ticket for an event that advertised goods and services at specific locations. On the day of the event, I went to the check in locations and they were closed. I went to the other location advertised on the ticket sale, and the staff there told me the event did not exist. I also collected an email from that business that verified the seller had asked them to partner and hold and event, but that the business turned them down. The seller sold tickets with this company listed as a cohost when the event was never approved. 
I reported this to my credit card company, Barclays, on XX/XX/XXXX. I sent Barclays a copy of the ticket page that had this vendor special on the ticket sale, a copy of the businesses email stating they never agreed to hold the event, pictures of the closed locations I could not access, and several other customer complaints that their tickets weren't honored and that businesses said they did not have an event. Despite the fact I did not receive the services I paid for, Barclays says the scammer sold non-refundable tickets. They said that even though the businesses were closed and/or verified they did not agree to hold an event- that I have no recourse because the ticket was nonrefundable. In addition, the Barclays employees have lied to me on several occasion by telling me my case was open... when it was not. I spoke with Barclays dispute team on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ; each time I was told by a Barclays representative that they could see this evidence, that it was " strong evidence, '' that my case had been reopened, and that the delay in a resolution was due to the fact that the Dispute team was busy. When I called on XX/XX/XXXX I was told the case had never been reopened, but that all the documentation was still available. I was not provided a sufficient response as to why I was misinformed for the past several months. When I asked for information about submitting a complaint to investigate the Barclays employees, they told me Barclays does not have a legal department or HR department. When I asked for proof my complaint was filed, they told me they were not allowed to send it to me. Barclays is not using reasonable time or judgement to address my dispute, and they are withholding information from me that I've requested.
Product: Debt collection

On my credit report I have a alleged debit for national credit adjustors from check into cash loan by phone. And I have already requested that I be provided with original documents that would validate that the debit is mine. And if it was made over a phone call then there is no way possible to say I even made it that makes no sense and the name on the debit is not even the name I use that is connected to my social security number. I keep disputing this debit and XXXX  is not removing it even though it has never been validated. I asked to see a signed contract that I made for this debit and I was never provided one. There is no way for them to even prove this debit is mine and worst thing is according to them it was originally made by phone. This has fraud written all over it and experian is not doing a fair investigation of this cause when I asked for it to be validated they had 30 days to do so which never happened which means this has to be removed and experian is now violating laws
Product: Vehicle loan or lease

We purchased the car XX/XX/2020, at the time we got into a loan and were told that at the 6 month mark we would be able to re-finance a loan. When the 6 month mark came we tried to refinance the loan but were then told they we would not be able to refinance. We were told by the dealership specifically that they don't help with refinancing, stating that " refinances don't make them any money. '' This was despite them telling us we would be able to refinance after 6 month 's. We then spoke with Capital One and they told us that they do not take their own refinance loans and we would not be able to refinance with them on our own, even though we were told we could do this by our dealership. We then had further discussion with the dealership and he stated he would help us but every bank he spoke with stated we would have to put more money down to refinance a loan. From XX/XX/XXXX to XX/XX/XXXX I tried to reach out to the dealership and spoke with them again on the XXXX of XXXX. From there we tried to see if I could get a refinance by myself without XXXX. They then asked for my paystubs and I sent those and waited for him to get back to me. On XX/XX/XXXX I messaged them again because I had not heard anything about my attempt to personally refinance. In my message I asked that while he was looking for a loan that he could find a loan that doesn't have simple interest rates or high interest rates at all. He finally responded and stated we would speak the next morning on the XXXX. On the XXXX I then called and was unable to reach him and left a message. I never heard back from him until the XXXX of XXXX. XXXX stated that there was a bank holiday on the XXXX and asked me to reach out to him the following day. I reached out to him again on the XXXX and he stated he would call me some time in the afternoon. I then told him that was unfair because he stated he would call me first thing in the morning. He then stated he only would have five minutes to speak with me, he let me know that Capital One nor any other bank was able to approve my refinance by myself. During the initial purchase of the car we had already put down XXXX as a down payment but somehow that money can't go towards a refinance. They are continually asking us to put down more money to refinance with no explanation as to why. So far within the loan 's life we have already payed XXXX and we still owe approx. XXXX. Nothing we have payed has gone to the principal of the loan and it all has gone towards the interest. No one is willing to work with us on this including Capital One.
Product: Credit reporting or other personal consumer reports

My account with 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 was never late! I have had exceptional payment history and all payments were placed on Autopay. 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 reported in those accounts to be removed.

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 21 days before the payment due date. 


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

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

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

Delete the late payments from my consumer reports
Product: Checking or savings account

Was offered {$400.00} sign up bonus from Citi for depositing $ XXXX into a savings account. Rep attempted to fund over the phone but wouldnt complete. Citi then sent me a form that needed my signature received 10 days later which I sent back next day. Debit card which was necessary to fund account was then shipped 9 days later. I received card 10 days after that. I funded my account the day it was received which took 3 days for ACH to complete. Citi will not honor bonus since account wasnt funded within 30 days. 

Deceptive and predatory offer practices by Citi to delay the process intentionally so the customer doesnt receive offered bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Illegal items being reported and inaccurate claims being reported also false inquiries.
Product: Credit card or prepaid card

Barclay Master Card We held 2 accounts with Barclay ; a credit card and a loan account. A check for payment in full of the personal loan balance was credited in error to our credit card account on XX/XX/XXXX. It took hours of phone time, faxes, letters to finally receive a refund from Barclays credit card in the amount of {$24000.00} which was mailed on XX/XX/XXXX. We then used the refund to pay off the personal loan in full. Initially Barclays credit card only reflected the correct refund, however they now reflect that the refund was made twice ( XX/XX/XXXX and XX/XX/XXXX ) and therefore our balance which is XXXX  reflects {$26000.00} due. They have reported this amount to the credit bureau which has lowered our credit rating due to the new debt and the fact that our limit on this account is {$12000.00} and is showing we are overlimit. 
We have stayed on hold attempting to telephone them for hours to no avail, on XX/XX/XXXX we sent them a secure message on their web site, on XX/XX/XXXX we faxed all paperwork and explanation, on XX/XX/XXXX we emailed their CEO of cards and payments. WE have had no response from any of these attempts. We have attached all documents applicable.
Product: Checking or savings account

On XX/XX/2022, JPMorgan Chase bank closed both my checking ( account number XXXX ) and saving account ( account number XXXX ) without any reason and explanation. 
I contacted them XXXX option XXXX many times, they only told me its still under review and they don't have a timeline when we will release the fund ( issue a check for my balance ). They owe me about {$4700.00} for checking account and {$30000.00} for my saving account. 
As today XX/XX/2022, it has been over 3 weeks, I still did not get any updates from Chase. Originally they told me that they will send a check to me within 10 business days after my accounts are closed. ( XX/XX/2022 ). 

Chase is being very unresponsive and refused to provide any updates and release the fund.

Please help, I need my money to pay rent and cover my living expenses!
Product: Credit reporting or other personal consumer reports

I have no knowledge of these hard inquiries involved with identity theft and it must be removed with you guys no later than XXXX business days as per 15USC 1681 c-2.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I sent a certified letter to XXXX XXXX XXXX showing that my wife and I refuse to pay the debt they are trying to collect. My credit reports were pulled from annualcreditreport.com is still showing a negative item from them and shows that I am disputing the account. How can I be disputing the information AND refusing to pay the debt. I've attached the receipt, the letter, and a credit report showing the information.

They are also trying to charge interest on the debt. My lease with the apartment complex does NOT have any language stating that interest may be charged in any event. That is against California state law.

I demand that this be removed from my credit reports due to many errors. Laws state that they can only report things that are accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, someone tried to submit a W2 for against me to the IRS and it is causing me so many issues with my credit. I am unable to even get a bank account, please I'm asking for help in resolving this matter. I have called credit bureau and had a freeze placed on my report. I have contacted fair trade commission. I also reported fraud to IRS. I am on a fixed income XXXX and have not been able to work for over XXXX  years. I realize that some items on my report is mine, I really need this issue to be addressed please.i was so XXXX, married for over XXXX years and he left me and my kids, in a desperate state, I fell for online love. Stupid me. Only because I thought I was really getting help from a complete stranger.
Product: Student loan

I was originally on XXXX plan based on my last income certification of XXXX dollars off my XXXX taxes that i certified in XX/XX/XXXX. I am not required to recertify my income at this time. Also my family size is XXXX and has always been XXXX. Me and my dependent son who is XXXX. My REPAYE payment was XXXX. 

The XXXX plan is switched to SAVE. My payment should have dropped to XXXX dollars per month under the SAVE calculation. On XXXX MOHELA refigured my payment to XXXX per month under the new SAVE plan. This amount is incorrect. I talked to them on the phone XXXX and submited complaint emails. The payment they calculated was based on XXXX income and no dependents. 

The problem is they have me having no dependents. They lady on the phone confirmed this and told me it would be fixed and show on my account within three days. This was 8 days ago. With payments resuming soon they need to get my payment amount corrected.
Product: Credit reporting or other personal consumer reports

I have inaccurate report of XXXX  XXXX on my report I have tried to fix it and its on all XXXX credit bureau I have screen shots and its affecting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of these credit accounts listed have all violated my rights with the Fair Credit Reporting Act. 15 U.S.C 1681 section 602 A. States the right to have privacy and it also states under section 604 A section 2 : a consumer reporting agency can not furnish a account without my written instructions which I have not given any ok to do so. 

No account name XXXX This credit account is on my account. I have no idea what this is there isn't any name or hardly any information. Its been disputed in the past and hasn't been removed.
Product: Payday loan, title loan, personal loan, or advance loan

I was unaware how a title loan went but anywho, I took out a title loan on my vehicle in XXXX of XXXX. I was told my payout was around the amount of the loan which was XXXX but I only received XXXX to begin with. They were taking money out of old accounts even after I updated them with new account information but was still charging me late fees of over XXXX dollars and insufficient fees of over XXXX each month. As I kept making payments, my loan amount never really decreased. I spoke to a representative in XXXX of XXXX to inquire about this. I was told that only XXXX dollars of my monthly payment of XXXX was going to my actual loan and the rest to interest which my rate was 77.14 %. I immediately ask to speak to someone in higher office regarding this but instead I was giving other options like extensions or a month credit. I filed bankruptcy in XX/XX/XXXX which was discharged on XXXX XXXX. I never heard from XXXX at all after my discharge and in XXXX of XXXX I woke up and my vehicle was gone. I thought someone stole it just to find out they repossessed my vehicle. When I called this company, they kept transferring me to other places and then told me my loan wasnt with them. I argued with these representatives who were very disrespectful over and over to the point where I was told Im not getting my vehicle back at all. I was advised to file XXXX  XXXX, which I didnt want to do just to get my vehicle back. When I informed them of that, they said they were filing an appeal to make sure I dont get my vehicle back, however I was able to get my vehicle back following the filing. My bankruptcy was dismissed due to being giving the wrong time to appear. Im sure they may try to take my vehicle again but I dont think they should be able to do that because I feel like some fraudulent activity is going on regarding my account. How can I get a loan from one place and now theyre stating its with someone else.
Product: Debt collection

On XX/XX/2017, I was contacted by Procollect INC on Behalf of XXXX XXXX XXXX, stating that I owe a balance of {$970.00} which was later reported on my credit. I made a full payment to the collection company with the promise that it would be removed from my credit report once the debt is paid off, which I paid. However they didn't keep to their promise! The collection still shows on my credit report and due to that my credit has been impacted negatively.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

After reviewing my credit report, I have notice hard inquires i do not recognize. I have contacted the 2 CRAs and they refuse to dispute or investigate the inquires Attached is an FTC report indicating all of the unauthorized inquires below ( including personal statement section ) that should be removed 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquires. Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person record of inquires in connection with credit or insurance transaction that is not initiated by consumer XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>