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

My payments are made by auto pay on my Gap XXXX  reward card/Barclays. Barclays had an issue with their system duplicating payments for my payment on XX/XX/XXXX. My bank, XXXX XXXX stopped the duplicate payment, and then Barclays realized they took a duplicate payment out of my account, and then they took back the payment. XXXX XXXX realized that Barclay 's corrected the duplicate payment and sent my payment again on XX/XX/XXXX. Barclay 's claims they did not receive the payment, only received the reversal. I have emailed my bank statement to Barclays Resolution department showing proof of payment, 3 times, to XXXX. I have spoken to 3 different Managers. On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The last manager I spoke to on XX/XX/XXXX, her name is XXXX, told me that my bank statement is not enough proof of payment. She requested I get something in writing from XXXX XXXX. She then called XXXX XXXX while we were on the phone together to verify my checking account # and routing #. The XXXX XXXX representative also confirmed verbally the payment was sent to Barclay 's and received. Even XXXX XXXXXXXX told the Barclays representative, that what you are asking for is against banking policies, the bank statement is proof of payment. XXXX XXXX also provided me with the Trace ID of the transaction, and that does not seem to be enough proof for them that I made the payment. 
At this point, I have provided proof and they still have not applied my payment. I do not know what else to do to resolve this situation. Furthermore, I never received anything in writing from Barclay 's about the duplicate payment issue, I only found out about it on XX/XX/XXXX when I tried to make a purchase with that card, and it was declined by Gap. I still have not received any notification that they have received my statement and are looking into the issue. All I want is for them to apply the payment that I sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX Date Opened : XX/XX/2018 Balance : XXXX
Product: Vehicle loan or lease

I purchased a new Toyota and had financed with Toyota Financial Services. In XXXX XXXX I refinanced with XXXX XXXX XXXX Bank. The loan was paid off on XXXX XXXX XXXX. As of XXXX XXXX XXXX, Toyota Financial has not released the title to the new lender, XXXX XXXX XXXX Bank. XXXX sent me a letter stating that if the title is not received, I will be in default of my loan agreement. I contacted Toyota Financial services on XXXX XXXX XXXX. The automated system stated that additional information was required from me to process the title. I was forwarded to a representative named XXXX who said the title looked fine and that electronic title transfers just take longer and that the title would eventually be sent to XXXX.
Product: Credit reporting or other personal consumer reports

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

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

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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. Experian is 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 Balance : {>= $1,000,000}, XXXX XXXX XXXX Date Opened XXXX XX/XX/2022 Balance : {$47000.00}
Product: Debt collection

A former contractor informed us that a check we sent them was never received. We placed a stop payment on the check and sent the contractor a new check. The previous check that was claimed as never being received was taken to XXXX XXXX XXXX  and this business cashed the check without checking with us ( the company ) or with the bank to find out that this check was cancelled and a stop payment was placed on this check. 

XXXX XXXX XXXX contacted us and informed us that the check was returned to them and they were unable to deposit it due to the Stop Payment. We informed them that they should have contacted us to confirm the check or they should have contacted the bank. They asked if we are going to pay the check amount of {$420.00} plus {$25.00} return fee for a total of {$450.00}. We informed them that we wont since it is not something we owe them. They sent us to collections because of this. 

On XX/XX/ 2019 a letter was sent from HP Sears who is a collections company. I received the letter on XX/XX/ 2019 and contacted them on the same day. There was a phone number on the letter with an extension. When I asked to be transferred to that extension, I was told that I can't be transferred and I need to just let her handle it. I gave her my account number and told her of the situation. She told me that I need a police report. I told her that there was no crime that occurred to me. She told me that's tough and she will mark my account down as " refusal to pay ''. This will in return hurt my credit.

After the call, I went down to my local police station to get a police report and I was told that I will not be able to get one as I don't have any information and no crime was committed to me. The officer said that the check cashing place would need to obtain a police report and not me.
Product: Credit card

Complaint against Chevron and Synchrony Bank for 18 U.S.C 1343, UDAAP Company advertised to consumer via the Chevron gas app with an offer to get a 'gas card ' which would offer a {$.00} discount per gallon of gas for the first XXXX  days of credit card usage upon approval. 

I was approved and received the card.

Now I've been paying the company each month when they send a statement. Then the company takes the payment and then they steal XXXX  days in interest on my payments and do no free up the available credit causing me to lose XXXX  days of {$.00} discounts on the gasoline. This is a UDAAP complaint. 

I've called the company call center in I think it was XXXX, the XXXX XX/XX/2024 and spent XXXX minutes with a specialist and she could not understand the problem and or decpetion either. These publicly traded companies need to be investigated for this type of consumer fraud. Deceptive. I don't need your card if I can buy gas somewhere else for lower price at the same or equal quality and your failures to post the payments in a timely fashion and allow the card to be utilized properly is a type of XXXX accounting fraud. 

I demand you explain this publicly so other consumers are not subject to further deception by these XXXX companies. 

Previously I emailed Chevron directly through their website to which they did not respond.

Consumer have provided rights to make this complaint public.
Product: Vehicle loan or lease

I am a customer of XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX has payments due every day of the month for their leasing and financing customers. If a payment date is on a holiday or a weekend it is absolutely not possible for their customers { me } to make a payment whether it be via phone or internet. 

Most people will pay their payment on the due date but will not be able to if on a holiday or weekend with Lincolns set-up ; thus this is a clear case of penalization for profit as XXXX XXXX XXXX XXXX charges late fees when a payment is made after the due date whether or whether. 

XXXX XXXX XXXX XXXX needs to change their ways like other institutions and play fair. Thus far they are not. Honestly, until today I didnt think that there were any financial institutions stupid enough to do what XXXX XXXX XXXX XXXX is doing. 

I do hope that with this complaint the Consumer Financial Protection Bureau severely sanction XXXX XXXX XXXX XXXX as no one should be taken advantage in this way.
Product: Credit reporting or other personal consumer reports

Hard inquiry thats I didnt authorize on my credit report
Product: Credit card or prepaid card

I applied for two credit cards with XXXX XXXX XXXX XXXX XXXX on or about XXXX XXXX, 2017. The XXXX they say were declined because of too many inquiries. The XXXX XXXX was denied they say because I answered security questions incorrect. There seems to be a major problem with this bank. First of all both applications should of been declined if one application has too many inquiries. Secondly, I had an fraud alert on my credit report that I am trying to have removed. I am being told declined because I did n't answer security questions correct. Lets discuss this issue. One of my security questions was asking me about a phone number I had n't used in over 30 years. I am now XXXX years old so do you think I am going to remember an phone number from over 30 years ago. Why could n't they have sent an security text code to my phone like XXXX and XXXX XXXX. In some instances I was able to fax information such as social security card and current utilitiy bill proving it was me that applied for the credit card. I feel XXXX XXXX did n't want me to carry their credit card and just made up stupid reasons why credit was n't extended. This is why I am not doing any more business with XXXX website. Furthermore it seems too frivilous to come up with different reasons why I was denied a credit card. If too many inquiries then both applications should of been denied based on that reasoning. If both products pulled XXXX  credit reports which the bank pulled then why was n't an security questions asked for XXXX XXXX card. After all, The fraud alert should have effected both applications! If the bank going to declined an application for unable to verify identity then it should effect both applications instead of one. XXXX XXXX just did n't want to issue me an credit card it seems. I feel I am being discriminated against because I am XXXX year old man!
Product: Debt collection

In XX/XX/XXXX Someone opened a XXXX Account under my name and Social Security number. XXXX Account # XXXX, Amount {$3400.00}. This is fraudulent. I contacted XXXX, filled out their fraud packet, filed police report, notarize documents and sent to their Fraud Department. 

In XX/XX/XXXX Convergent debt collectors ( Converget Account # XXXX XXXX XXXX ) contacted me. 

XXXX did not file the fraudulent packet correctly, placed me in collections, and now my credit is XXXX down from 800s - which is holding back my life. 

All documents attached.
Product: Credit reporting or other personal consumer reports

I am the victim of identity XXXX  I disputed seven fraudulent accounts with Trans Union and included a police report and I identity affidavit Trans Union has failed to block the fraudulent accounts and verified that was accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian said that XXXX XXXX XXXX and XXXX XXXX  account was verified as correct. I want to know how did they verify this information? Because it is absolutely incorrect. I have no knowledge of these accounts. These are not my accounts. If they can not show me proof of verification then i want these accounts deleted from my credit report immediately.
Product: Debt collection

I have received a collection letter because the XXXXXXXX XXXX in XXXX, Georgia, failed to properly close my account despite my in-person request and confirmation it was officially closed. I went to the branch located in XXXX grocery store on XX/XX/15 to close the account, reported the debit card lost and brought my account balance to XXXX. Weeks later, I received a letter my account was overdrawn. I called customer service to find out my account was not closed, and the debit card was still active. The collection letter is from Convergent Outsourcing requesting a debt I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Bureaus 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 update the following accounts completely from my Credit Reports : XXXX : XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$130000.00} XXXX XXXX XXXXXXXX Balance : {$850.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$5600.00} XXXX : XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$130000.00} XXXX  XXXX  XXXX Balance : {$850.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$130000.00} XXXX XXXX  XXXX Balance : {$850.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$5600.00}
Product: Credit card or prepaid card

made my proper payments to XXXX  credit card for the month of XXXX and XXXX someone that works for XXXX  credit card services was able to use my information and get my payment funneled into their hands by acting like a representative of the company trying to receive my monthly payments i realized in XXXX that the payments i made for XXXX and XXXX where not properly placed and not applied ruining my perfect credit history this needs to be fixed and show that was i never late on my payment
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.

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 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 ) 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. 

XXXX XXXX XXXX  Account # XXXX has violated my rights XXXX XXXX  Account # XXXX has violated my rights XXXX XXXX Account # XXXX has violated my rights XXXX XXXX  Account # XXXX has violated my rights XXXX Account # XXXX has violated my rights XXXX  Account # XXXX has violated my rights XXXX Account # XXXX has violated my rights XXXX XXXXAccount # XXXX has violated my rights XXXX XXXX  Account # XXXX has violated my rights XXXX Account # XXXX has violated my rights XXXX XXXX Account # XXXX has violated my rights XXXX XXXX Account # XXXX has violated my rights XXXX XXXX Account # XXXX has violated my rights XXXX XXXX Account # XXXX has violated my rights XXXX XXXX Account # XXXX has violated my rights XXXX XXXX # XXXX has violated my rights XXXX XXXX # XXXX has violated my rights XXXX XXXX # XXXX has violated my rights XXXX XXXX Account # XXXX has violated my rights XXXX XXXX  Account # XXXX has violated my rights XXXX XXXX Account # XXXX has violated my rights unknown Account # XXXX has violated my rights XXXX Account # XXXX has violated my rights
Product: Credit reporting or other personal consumer reports

I am requesting the removal of a closed Bank of America credit card account that was opened in XX/XX/year> but never used. I closed it shortly after opening, and it has had no activity or balance since. I previously disputed this with the credit bureaus and received no helpful resolution. 
I believe this account is inaccurately or unnecessarily reported, as it has no impact on my credit activity and may negatively affect my score due to its age or status. I am asking for this item to be fully deleted from my credit report.
Product: Debt collection

TO JEFFERSON CAPITAL YOU ARE REPORTING A COLLECTION ACCOUNT ON MY CONSUMER REPORT THAT HAS NOT BEEN VERIFIED OR VALIDATED. THIS IS A VIOLATION OF THE FCRA AND THE FDCPA. THIS ALLEGED ACCOUNT IS INACCURATE, UNVERIFIED AND MUST BE DELETED IMMEDIATELY FROM MY CONSUMER REPORT. IF YOU DO NOT REMOVE THIS ACCOUNT IN THE TIMEFRAME OF 7 DAYS, I WILL START THE PROCESS OF SEEKING FOR DAMAGES UNDER THE FCRA AND FDCPA FOR UP TO {$1000.00} PER VIOLATION AND FOR EVERY MONTH THIS ACCOUNT HAS BEEN REPORTING ON MY CONSUMER REPORT. I WILL ALSO BE SEEKING FOR STATUTORY DAMAGES AS WELL AGAINST JEFFERSON CAPITAL BECAUSE THEY ARE THE COMPANY REPORTING THE ACCOUNT ON MY CONSUMER REPORT. YOU ARE BEING HELD LIABLE.
Product: Mortgage

I have been working with XXXX XXXX  XXXX to refinance on my home that is a VA loan, have called multipul times to recieve a MORTGAE NOTE since XX/XX/21 and all they are giving me the run around XXXX XXXX XXXX call the week before and still nothing have called multiple times after. they gave me some number tab # XXXX what ever that means.is there anything I can do I really wanted to refinance this home thru HARP thank you LOAN the money source inc acct # XXXX My name XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Attempted to login Equifax poral online to view my account and received an error message. Pulled my report from XXXX XXXX and can not view my report
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the account XXXX XXXX from my credit report. I sent a dispute letter to the collection agency, and they said they would remove this account, but I am still seeing it on my Transunion credit report. XXXX and XXXX have removed this account, but XXXX has failed to do so. Please see the attached dispute letter that was sent to the company on XX/XX/22 which is dated, and time stamped. It has been over 5 months since my letter was sent, remove this account within 15 days of receipt of this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account for XXXX XXXX is on my credit report. I did not open this and it is affecting my credit score. I have contacted the company and they have stopped it on their end but advised that I contact you. Someone is using an old name of mine, XXXX XXXX and an old address XXXX XXXX XXXX, XXXX Tx. There are renters in that house and they are most probably using old advertising with my name on it that was in the mail box. I have long since changed my address.. I don't know who these people are. Please help me to repair my ruined credit score which by the way dropped XXXX points in a month.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have identified the following item ( XXXX ) that contain inaccuracies : XXXX. Former : XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Also Known As : XXXX, XXXX, XXXX XXXX. Former : XXXX XXXX XXXX. The following personal information is incorrect Former : XXXX XXXX XXXX XXXX following personal information is incorrect Also Known As : XXXX XXXX XXXX XXXX The following personal information is incorrect Also Known As : XXXX XXXX XXXX UN-AUTORIZED INQUIRIES XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XX/XX/XXXX XXXX XX/XX/XXXX ID THEFT XXXX XXXX XXXX? XXXX XXXX DATE OPENED XXXX XX/XX/XXXX XXXX ( DUOLICATE REPORTING ) XXXX XXXX  DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX DATE OPENED XXXX XX/XX/XXXX XXXX { DUPLICATE REPORTING } In accordance with the Fair Credit Reporting Act, I hereby request that these items be thoroughly investigated and promptly removed from my credit report. It is my understanding that you are obligated to verify these items with the respective creditor. Any information that can not be verified by the creditor should be deleted. I am aware that as per 15 U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within 30 days of receiving this letter.

Please send an updated copy of my credit report to the address provided above. According to the act, there should be no charge for this updated report. Furthermore, I kindly request that you notify any party who has obtained my credit report in the past six months of the necessary corrections.

Thank you for your attention and assistance in resolving this matter.