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

Without any notice or warning, on XX/XX/XXXX, Barclays closed both of my wife 's credit cards ( XXXX XXXX and XXXX  ) and all three of my credit cards ( XXXX XXXX, XXXX  and XXXX XXXX ). We only found out when I tried to make a {$0.00} purchase at XXXX, which was repeatedly rejected to my embarrassment. Only by logging onto my wife 's and my online account, did I discover the account closures. I promptly called Barclays customer service and was politely and apologetically told by the customer service agent that the accounts were closed due to our account usage, and that a letter would be forthcoming, but that the decision was irreversible and nothing could be done. 

By way of background, with respect to the XXXX XXXX cards, my wife had paid an annual fee of {$99.00} on XX/XX/XXXX, and I had paid an annual fee of {$99.00} on XX/XX/XXXX. With respect to the XXXX cards, my wife had paid an annual fee of {$89.00} on XX/XX/XXXX, and I had paid an annual fee of {$89.00} on XX/XX/XXXX, in each case, just 11 days before closing our accounts!. Finally, with respect to the XXXX XXXX card, Barclays cancelled all XXXX of my rewards points. My wife and I had been saving these points to use, in part, for a free cruise for our 25th wedding anniversary in XXXX XXXX. The redemption value for these points is up to {$0.00} per point, valuing these points at {$16000.00}. My wife and had not previously used these points as we were waiting to redeem these rewards against the more expensive cruises to get the maximum redemption value. We were not interested in redeeming for less than {$0.00} per point. 

My wife and I had Barclays cards for nearly 10 years. Most of the XXXX XXXX points had been accumulated over the past 2 to 3 years. During such time, Barclays increased the credit limits on many of our cards, encouraging us to spend more, and Barclays made a tremendous amount of transaction fees with respect to our spending transactions. Due to the account closures, Barclays had been unjustly enriched by ( i ) retaining our annual fees and ( ii ) by  cancelling our XXXX XXXX points and depriving us the ability to redeem them for {$16000.00} in credit towards XXXX XXXX cruises. It is unjust and unreasonable for Barclays to permit us to use its cards, thereby generating substantial transaction fees, only to cancel our rewards point before we could redeem them.
Product: Credit reporting or other personal consumer reports

I am writing to address the inaccuracies in my credit report, in accordance with the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e ( b ). This will mark my third attempt to have the following items removed, as I have identified several discrepancies that need to be rectified.

The first issue pertains to three accounts from XXXX XXXX that are inaccurately listed under XXXX account number ( XXXX ). Despite being XXXX auto loans and XXXX credit card, they are erroneously grouped together. Furthermore, these accounts were sold to a collection agency ( XXXX XXXX  ) in XX/XX/XXXX, resulting in different balances being reported. Despite my request for validation of this debt in XX/XX/XXXX, I have yet to receive any response or validation from XXXX XXXX. 

In addition to the aforementioned discrepancies, I also want to address the 18 inquiries on my credit report that were erroneously placed without my consent. Despite explicitly requesting that my credit not be pulled, a car dealership initiated these inquiries after I provided them with my credit report. The dealership subsequently acknowledged their error and sent letters to the credit bureaus requesting the removal of these inquiries. I have enclosed copies of these letters for your reference.

I am attaching copies of my Driver 's License, Social Security Card, the letters sent to XXXX XXXX and the credit bureaus, as well as my formal last letter detailing the discrepancies on my report and referencing the applicable laws.

I urge you to investigate these discrepancies promptly and take the necessary actions to ensure the accuracy and integrity of my credit report. Your cooperation in resolving these matters is greatly appreciated. 

Thank you for your attention to this important issue. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX unrecognized hard inquiries appear on my credit repot ( see attached ), from " JPMCB XXXX '' and " XXXX XXXX XXXX '', both on XXXX. I did not apply for any cards or loans in that timeframe. 

I was not able to reach anyone via phone to get more details at either JPMorgan or XXXX.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

To Whom lt May Concern, I am writing to formally dispute unauthorized and fraudulent information appearing on my credit report and to request an immediate investigation underthe Fair Credit Reporting Act ( FCRA ). As a victim of identity theft and the XXXX breach, my personal information has been compromised, including XXXX criticalfindings tied to my identity within the breach. This aceount andlor inquiries were made without my knowledge or consent. Under the FCRA ( S 6058 ), I request these items be blocked from my credit report. Additionally, under 15 U.S. Code $ { 681c- { ( protection of personally identifiable information ) and 15 U.S. Code $ f 68 { e ( b } ( accuracy of information in consumer reports ), you are required to ensure the accuracy and privacy of the information you maintain.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife XXXX XXXX and I had an Auto Loan through XXXX XXXX. Unfortunately, we had to voluntarily surrender this vehicle because we simply could n't afford the payment. A few months after surrendering the vehicle, XXXX XXXX XXXX XXXX XXXX reached out to us in regards to paying the remaining balance. We came to an agreement of {$130.00} a month which we started paying in the XXXX of 2016. Since then, legal action ( judgement ) was going to be taken against us. In order to prevent having a judgement on our credit reports, I reached out to XXXX XXXX XXXX to work something out. The agreement was that if we paid the balance in full, the case would be dismissed. We paid the account off in full and successfully worked with the staff from XXXX XXXX XXXX which was working to collect the debt for XXXX XXXX. I immediately disputed the information as being paid on my credit report through Equifax. Equifax came back 30 days later and informed me that all information was reported correctly, but the account was still not showing as paid. After receiving this information, I called XXXX XXXX myself to find out what the problem was. The representative informed me that my account was showing a XXXX balance and has been paid in full. Furthermore, this was showing as a voluntary surrender but has now been updated to a collection. This account was paid in full.
Product: Credit reporting or other personal consumer reports

These account are a result of data Breach and identity theft please remove and block all XXXX XXXX accounts on my Experian credit reporting agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is furnishing accounts on my consumer report that is a result of an alleged identity theft. The accounts are information that does not relate to any transactions by myself and I did not benefit from them. I sent Experian a written correspondence which included my proof of identity, an identity theft report, identification of such information and as statement as the law requires. They are required to block and delete these accounts within 4 business days or receiving my notice
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion have failed to send me documents about bankruptcy due to fraud on my name and account. They have not taken my case seriously all with has caused tremendous torment in my life.. transunion have received my court documentation. With stated the information was not verified by court systems.. or a third party company They did not send a letter within 30 days with proof of verification.. transunion have acknowledged the fraudulent activity on my credit report. Along with the extended fraud alert i have uploaded the lack of care from a Transunion representative along with other proof the two bankruptcy should be removed immediately.
Product: Credit reporting 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 XXXX XXXX XXXX. 


Account Name : XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : Unknown # XXXX Account Name : XXXX  # XXXX XXXX U.S.C XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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: Mortgage

I have a home equity line through Webster Bank. I send additional money every month with my normal interest payment. Although I am not sending in the payment coupon every month with my payment, as my checking account financial institution is mailing checks for me and I'm not capable of placing comments with the payment, Webster Bank is not applying the additional funds to principal. It appears they are placing the additional funds in an suspense account until they can apply an additional interest payment. I placed a formal complaint back in XX/XX/XXXX for the same reason. I'm unable to verbally discuss my account with Webster as I was in a Chapter XXXX bankruptcy ( with these payments being made outside of the payment plan ), and I'm advised I have to speak to my attorney. I honestly do not know if the actual amount of unpaid principal balance they show I owe is accurate. The last time I placed a formal complaint they did have to make adjustments, and I was told my account was reconstructed. So far in XX/XX/XXXX I have not seen and principal payments being made to my account from the additional funds that are being sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the XXXX and the XXXX data breach and may have gotten into the wrong hands.
Product: Debt collection

Affirm Inc. has reported 13 loans delinquent and I do no recognize any of them. I contacted Affirm on XX/XX/XXXX  and advised affirm that my identity must have been stolen. I escalated and asked that they remove the delinquent reporting. Affirm indicated that this is indeed my account and they will not be able to do anything and they will continue to report on my account. I then asked Affirm can I just make a payment plan. Affirm reps indicated that they can not help or have me make any payment and they will just continue to report to the credit bureau despite me asking for help. This has prevented me from purchasing a home. I do not recognize any of this and asked for help. Affirm refused and I do not have access to make a payment on the website after I created an account to have a payment made. The accounts are listed as charged off but When I call Affirm, they state that they can not help me at all. I called once again on XXXXXXXX  and tried again to pay and they stated that they can not help me at all. I need this company to remove these debts and try to do right by me. I spoke with supervisor XXXX XXXX and he stated that he will put in a request to verify the fraudulent activity but there is nothing that can be done as this does not make sense.
Product: Credit reporting or other personal consumer reports

I have contacted this company multiple times letting them know that this is not my account and nothing has been done. This account does not belong to me. Please remove this fraudulent account from my credit report. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX has violated my rights. 

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
Product: Debt collection

2017 i moved to XXXX Tx XXXX Came back to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX things were still being used and delivered item as well to XXXX XXXX XXXX we moved out in XXXX  mid of year XXXX. Had renters then after a few year house was sold in XXXX i have emails were i tryed to find out were new cards were being send no response and of course on phone waiting for atleast 45 minutes to being hung up on XXXX agent informed me that she didnt know why this was not a red flag someone tryed changing my phone number XXXX times. 

XXXX finally gave me this website to inform about this and want a copy of it. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Other collection company is trying to collect on the same ones as well.
Product: Credit reporting or other personal consumer reports

I have disputed this account for the past 3 months and nothing has changed as well as no new information being updated. 

Pease read the following code : 1666b. Timing of payments ( 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.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX is a Consumer filing this Complaint and it is not a third party. The following credit reporting agencies are violating FCRA and FDCPA by reporting transaction experience between a Consumer and a creditor. Which is a Violation of 15 usc 1681 ( a ) ( 3 ). I DEMAND that this account be removed IMMEDIATELY. 
XXXX XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$50000.00} Status Open. {$880.00} past due as of XX/XX/XXXX. 
Account number XXXX
Product: Debt collection

I had a XXXX XXXX Plan for my XXXX XXXX, XXXX. However, after XXXX been mistreated by the veterinary. I contacted XXXX by email with a letter ( see below ). The statement was ignored and they continue sending reminders regarding payment. Sadly, my XXXX got worst. She could n't XXXX and in pain. With my broken heart, I got her cremated, on XXXX XXXX, 2016. It has been very hurtful not have her and for XXXX XXXX Hospital continue to collect payment. 


XXXX XXXX, 2016 XXXX XXXX Hospital XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Re : XXXX Client ID # XXXX On XXXX XXXX, 2016, my XXXX XXXX XXXX XXXX was at the XXXX Hospital XXXX XXXX XXXX NJ for a nail problem. In addition, she received the XXXX XXXX XXXX. Painfully right after she was not herself. XXXX was having XXXX XXXX and with no energy. 

Due to her illness, I brought her back to see the veterinary on XXXX XXXX. I had to upgrade my plan since he performed multiple testing 's. I was told nothing was found that I should consider consulting a XXXX. He also provided a prescription. She was not getting better and continue having the same symptoms. Therefore, she was back at XXXX on XXXX XXXX. Basically, I was told the same and went home with multiples prescriptions. 

XXXX still was not herself. Therefore, on XXXX XXXX, I took her to XXXX XXXX Hospital her prior veterinary. I called XXXX and requested all her medical records to be fax. She had XXXX and was very fragile. However, after the examination was very clear the reason of her illness. It was due to the XXXX. 

I was not provided with the client information sheet for the XXXX XXXX neither was told of the medical reactions. In addition, XXXX is XXXX XXXX XXXX and should not got the XXXX XXXX. However, I had trust on the XXXX XXXX Hospital veterinaries. 

For that reason, I am requesting the immediately cancelation of my plan with no comprising fees and a reimbursement for the total amount of {$920.00}. Enclosed are copies of all documentation. 

I look forward to your response and a resolution to my problem. I will interval until XXXX XXXX before seeking help from the NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX and the XXXX XXXX XXXX XXXX XXXX XXXX for Veterinary.
Product: Credit reporting, credit repair services, or other personal consumer reports

CHASE MORTGAGE SAID MY PAYMENT WAS LATE XX/XX/2016.
Product: Credit reporting, credit repair services, or other personal consumer reports

The CRA 's have added fraud alerts to my credit reports after I specifically requested they NOT place fraud alerts to my file. This is a violation of FCRA regulations.
Product: Credit reporting or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX has violated my rights. 

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
Product: Credit reporting or other personal consumer reports

I did not authorize these inquiries and strongly suspect they are fraudulent. I implore you to conduct a thorough investigation and expeditiously remove them from my credit report.
Product: Credit reporting or other personal consumer reports

I WAS TOLD TO EMAIL COPIES OF MY CREDIT REPORTS TO THE BAK OFFICES ON XX/XX/year>. 

I REQUESTED A SUPERVISOR OVER THE TELEPHONE CALL TO DISCUSS THE XXXX  DAY LATE ON MY CREDIT REPORTS AND WAS ADVISED THE ** NO LATE FEES WERE ACCESSED FOR XXXX XXXX AND TO EMAIL THE CREDIT REPORTS COPIES TO THE ( XXXX ). I THAN WAS LIED TO ON SEVERAL OCCASIONS THAT I MUST WAIT XXXX HOURS ON XXXX DIFFERENT CALLS FOR A RESPONSE BY EMAIL FROM THE XXXX XXXX! NEVERTHELESS, NOTHING WAS DONE AND AS OF TODAY, I WAS TOLD TO DISPUTE THE INFORMATION WITH THE CREDIT BUREAUS DIRECTLY IN WHICH I HAVE SINCE XX/XX/year>.
Product: Debt collection

I have reached out to this company several times requesting that they provide me with a copy of the contract that I supposedly signed requesting services with this company.
Product: Debt collection

I saw on my credit report that Convergent Outsourcing reported that I owe {$1400.00} to XXXX. I called them I let them know I do not owe them anything. They said that they would contact XXXX and I still haven't heard anything back in a few months. I returned all XXXX phones back to XXXX 's corporate office due to not being able to make calls or send texts the whole month I had them as my cellular provider and was told I don't owe anything. I called customer service and was told they were servicing the cell tower in my area. They didn't work in any area I was in.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX XXXX is a fraudulent account from my identity theft, please delete immediately.TY
Product: Mortgage

In XXXX of XXXX, I applied for a mortgage on a new condo with Citi. Pre-approved instantly given my income and assets. Was approved for a mortgage by 1 other bank, but favored Citi because of the lower rate. 

I make XXXX a year, sold a business for XXXX in XXXX, and have guaranteed income for the next decade give or take. Also have upwards of XXXX in assets between two trusts. 
At NO time prior to maybe 3 weeks before scheduled close did XXXX EVER state the mortgage was at risk of not being approved. I often gave her easy outs if this cant be done, lets end this. Nothing. 

After being constantly unable to get ahold of XXXX ( at one point, it took 18 days for her to reply as to the status, when I had finally sold my unit so for 18 days I was potentially going to be homeless thats when I reached out to JPM ). 
JPM approved me in less time than it took XXXX to respond to an URGENT request, as things were now moving quickly. 

After ~ 7 months of speaking in circles, and XXXX in payments, XXXX XXXX me I need to start the application over -- 20 days before our scheduled closing, in hopes of securing a 50 % mortgage. If we were grading by competence, it took XXXX 6 months to accomplish 50 % of what JPM did in 2 weeks. She achieved half of what others did in XXXX the amount of time. 

( Application fee was XXXX, made in early XXXX XXXX XXXX has never returned a voicemail, the average response time is in the weeks, and Ive never been able to get ahold of her directly without at least 5 - 10 day wait. Her assistant is the only hope, and he rarely responds, never responds to voicemail, and maybe has a 3 - 5 day response time.

I dont care about the loan, I dont need a loan, but I do have 2 if I want them.

I would like my money back immediately, as the application wasnt even valid. 

I also dont think XXXX should remain in this business. I terminated other viable lenders because she assured me everything was okay with her, and then I ended up with ( potentially -- up to ) 50 % of what I was assured of, only after paying for ANOTHER application fee. 

I simply want my money back, and I do not believe she should work in this business. She does not answer any form of communication, she lead me and my team on with implications of approval, and failed to communicate the status of the loan until it was WAY too late to do anything about it. Luckily, I realized early on she was useless, and sought out other lenders -- otherwise I would be homeless, or have a 50 % mortgage loan. 


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