23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I opened a Barclays credit card that charges an annual fee. I was most recently charged an annual fee on approximately XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX card membership year. 

On approximately XX/XX/year> Barclays unilaterally closed the credit card account. The annual fee was not refunded, despite the account was closed near the beginning of the membership year and I can no longer use any of the cardmember benefits for the majority of the year that the fee was paid for. 

I called Barclays on around XX/XX/year> to request a refund of the annual fee ; Barclays representative refused the request. On around XX/XX/year> I submitted a formal complaint to Barclays regarding the annual fee refund not being refunded ; I received a confirmation number and the representative promised Barclay will reply within 48-72 hours. I did not receive any such reply.

CFPB should investigate the prevalence of such overcharged and non-refunded annual fees paid by consumers when banks like Barclays unilaterally decided to close the credit card account that charges an annual fee for benefits.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I paid this account. It was a chargoff, but I paid and settled the account. XXXX XXXX has yet to reflect the {$0.00} balance on my account so my credit report still shows I owe. This obviously hurts my credit and doesn't truly reflect my balances. They may have violated the Fair Credit Reporting act because they have not reporting information accurately by not updating my balance to {$0.00}. I do not owe them anymore. They should fix this immediately. They were quick to charge off my account when I went through financial problems. I paid them. For them to continue to punish me by not reporting accurate information is terrible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Jpmcb Card date : XX/XX/2021 my credit report was ran without my consent i do not have knowledge of this account please block and remove.
Product: Debt collection

I went through a period where I moved from my home and because I had not found a new home yet, I was living in temporary housing. So during a four month period I was living in three different  places. Each had service with XXXX XXXX. Each time I moved I transferred service and provided my new address, etc. My phone number always stayed the same as I use my cell number exclusively. Now, over a year later I am applying for a mortgage to purchase a home. My credit has always been excellent. I have never not paid a bill and strive to be timely with all payments ... never over 30 days. I pay most of my bills via direct autopay to avoid being late to protect my credit. I was shocked to see that XXXX XXXX had placed me in collections in XXXX 2016! for the period of time when I was in two months temporary housing! I have had service with XXXX for over a year now at my new address, have been told by a XXXX agent that my payment history is 100 % perfect. The record shows that a payment I made during that time period was actually credited to my former residence. XXXX is now saying that they sent me a letter in XXXX, 2016 to tell me that I was being placed in collections! I just do n't believe them. I open all of my mail and if I EVER saw something like this I would NOT ignore it!!! Even if they did send it ... this is the only communication that they sent me! I have been a XXXX customer for a very long time and I am extremely upset. This is going to cost me an extra $ XXXX {$10000.00} to purchase my home because of the way it has impacted my credit. It is unfair. This is so upsetting to me I can not sleep and it is all I think about. I need this to be removed from my credit report because I do n't think the manner that they addressed this was fair. I was NOT properly informed of a debt and was put into collection without my knowledge.
Product: Debt collection

I received a Notice of default that the Pennsylvania Higher Education Assistance Agency ( PHEAA ) had to pay on a student loan that was identified in the notice on XX/XX/2018. They are demanding I pay in full the entire balance of {$380.00}XXXX XXXX immediately. Per previous complaints filed with the CFPB, AES Resolution Dept, Dept of Education, PHEAA Theft/Fraud Prevention Services, FTC, ED FOIA Manager, USA.gov, The Office of Compliance and Enforcement ( LSC ) and the Ombudsman, I am ignored, asked questions regarding my past Medical/XXXX issues, impending retirement possibilities by either Customer services, Supervisors and Upper Management. PHEAA had informed me, after I had filed another claim with the Credit Reporting agencies, that my Student Loan was in process of being transferred back to XXXX XXXX, now XXXX. And, XXXX would make the decision ( s ) regarding what to do with this student loan and all of the problems associated with it. That XXXX will be contacting me. In the meantime, I was instructed to wait until I hear from XXXX. Instead, I received a Default Notice from PHEAA.
Product: Credit reporting or other personal consumer reports

Inquiries appeared on my credit report without prior authorization.
Product: Money transfer, virtual currency, or money service

I noticed that someone had made about {$1700.00} of unauthorized transactions on my Paypal account. I opened a case with Paypal that was closed the very same day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE THE ITEMS I NEED DELETED ARE LISTED IN THIS REPORT. I AM A VICTIM OF IDENTITY THEFT & DEMAND THAT YALL REMOVE THESE ITEMES TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT
Product: Credit card

American Express all of a sudden closed my account on which I still had reward points and now says they all gets forfeited. Not only this but says that the account has an outstanding balance which Ofcourse isnt there and I am not liable to pay anything to them at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts on my credit report that I do not recognize
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint will serve as a follow-up to my previous letters sent last XX/XX/2023, to block or remove these accounts which I believe to be erroneous : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$18000.00}
Product: Checking or savings account

I made this claim with my bank XXXX because I made a transaction for an amount of {$880.00} on XX/XX/XXXX, at that time the merchant couldnt charge my card for " technical '' reason or connection problems so It wasnt posted or pending to my account. As a result the merchant didnt provide the product and the transacion was " closed ''. 
After almost 3 month later they same merchant charged my account without my permission and without giving any product. This is a kind of bad practice or fraud by the merchant, charging my card long time after the first transaction was tried. 
Right now im abroad so the phone number on profile is not working, if you need to contact me please send me an email Thanks
Product: Debt collection

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.
Product: Debt collection

The company TOWER LOAN IN XXXX XXXX XXXX NE WITH A GIFT AFTER VIOLATED MY HIPPA AND IN RETALIATION TO ME FILING HIPPA COMPLAINTS TO A FEW DISABLING CONDITIONS IN WHICH MY COMMUNICATION SENSES ARE LIMITED AS FAR AS VISION AND HEARING. THE COMPANY SENT ME A PRETENSE XXXX GIFT THAT I DIDNT ASK FOR AND AFTER IDENTITY THEFTING My Medical history THROUGH THE PHYSICAL THERAPY CLINIC NEXT DOOR, AND LATER STARTED ASKING ME TO PAY IT BACK AS A FEW WORKERS THERE DONT LIKE ME. And recently had me subpoenaed to court over it and it wasn't supposed to be a loan only a gift even after XXXX XXXX ADVISED ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT ( 2 ) ( A ) ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.

( B ) ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person.

They do not have my permission to report on my consumer credit report.

IDemand it to be removed and every violation of unauthorized information on my report is a {$1000.00} fine.

letters have been sent certified mail and return receipts have been received by me.

These following unauthorized inquires are fraudulent and inaccurate information and my permission has not been given orally, in writing, or electronically to report these inquiries on my consumer report and I demand them to be removed : XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX na : XX/XX/XXXX, XXXX : XX/XX/XXXX, XXXX  XXXX : XX/XX/XXXX, XXXX XXXX : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX : XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

There is a collection item on my credit report from Phoenix Financial Services with the original creditor being : XXXX XXXX XXXX the alleged balance is : {$1200.00} I am unaware of this account. I never received a notice from PFS regarding this alleged account nor was I given the right to dispute or request validation / verification of the debt pursuant to the Fair Credit Reporting Act, the Fair Credit Billing Act and the Fair Debt Collections Practices Act
Product: Credit card or prepaid card

Wells Fargo/Bilt Card services failed to properly investigate a fraudulent charge on my account from XXXX. I was puzzled as to who/what the merchant was and initially indicated that I suspected it was an over-charge from a sandwich shop or something of that nature ( where mexican pesos were substituted for USD ). The charge in question is for {$990.00} and I was not a party to any transaction of this size. Upon further investigation on my own I determined that the charge was outright fraudulent as I was never in the area of the indicated merchant address.

I have communicated in good faith with Wells Fargo / Bilt card dispute team who insisted all communication be via fax. The disputes analyst insists that I provide a receipt for a transaction I was not a party of to " prove '' that it is fraudulent. My request for an investigation was rebuffed and I was asked to provide a receipt. No effort was made to contact the merchant or obtain a signed transaction receipt from the merchant or attempt to identify the nature of the transaction. The merchant where the fraud occurred was not even contacted and the amount was not suspended. There was zero documentation provided to me to indicate this transaction was valid. I am unable to even obtain the contact information of the merchant where the fraud occurred. 

My request to reopen the dispute after it was closed because I failed to provide a receipt for a transaction I was not a party to was rebuffed. The dispute was again closed the same day additional documentation explaining why the transaction is fraudulent was furnished. 

The card in question comes with a " zero fraud guarantee '', however the issuer is ignoring the spirit of said guarantee by not even investigating the charge, or providing any documentation as to the nature of the transaction or, reason why the dispute analyst believes it is valid.
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. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately. 
XXXX XXXXDate of inquiry XX/XX/2021
Product: Money transfer, virtual currency, or money service

I company  XXXX XXXX XXXX received a check in the amount of {$28000.00} from XXXX XXXX XXXX XXXX To buy and build a shop garage. Check was deposited into account XX/XX/XXXX. Check was put in hilt until XX/XX/XXXX. Chase bank then canceled my debit card with {$4000.00} in the account. I called and talk with customer service about releasing the check and my debit card for the reason I have a business to run and bills to pay. The person that was helping me and I was talking with said the card and check should be released and able to use within a day. Debit card never got released and could not use it. Payment was on card said fraud. I decided to wait until the check cleared on XX/XX/22. Check then clears. I wrote check out for payments due ( had enough money to clear those without the XXXX checks. On XX/XX/XXXX I called in to CHASE bank to see what was the problem with my debit card. They said they need to confirm with the owner of the company ( which is a very good friend of mine ). I gave them their names and numbers and they said that the number is not associated with a business. 
Chase bank completely froze my account and put it on hold so I cant see it or spend anything. I called in 4/5 times. No one I spoke to have XXXX any clearance or help with the situation. This is so irritating and frustrating for me. I had employees to pay and bills to pay and I cant do anything. I ask them if they can just put the XXXX on hold and let me cash more checks so I can do my business they said no. I asked them to call the bank from the owners of the check and they said they couldnt. They have my money and wont let me touch it. I have customers that paid for a building and I cant buy it or build it without the money. My customers or extremely mad at me. 
They say I cant do anything they can only call. 
One person said that I could take the owner of the company to a chase branch with two forms of ID and company information. The problem with that is were located in XXXX ID. The nearest branch XXXX XXXX XXXX XXXX more than two hours away. We have no time to be able to make a four hour trip together. 
I fell like the bank is taking advantage of me and not doing their job. 
I am scared and terrified that I will loose all that money in my account and my customers and distributors will not trust me anymore, and non of this is on me. 
Please help me get my money and figure out what is going on! 
Also, I asked them if I could just come get my money and switch banks and they said my money is froze. 
This is not okay! 
Thank you!
Product: Debt collection

I received a letter of settlement. I called and asked if the settlement offer was still available. My husband was a XXXX XXXX XXXXXXXX US Vet, service related because of XXXX XXXXXXXX exposure. He was in XXXX  for 39 days and then died. I had not replied to the settlement letter originally because I was spending all my time trying to save my husband in the XXXX  or at the VA making sure benefits were filed properly. The person I spoke to said if I paid that settlement that day, then the debt would be settled. She wanted me bank info on the phone. I asked if I could do it online and she said yes. I went online and paid the full amount of the settlement. Then I received a legal summons- the process server was intimidating and threw - not handed - but threw the summons in my face. The summons made no mention of the settlement or the amount already paid. I immediately called the law firm. After being placed on hold again and again, I was told no payment was ever made, that I was not truthful and the only way to resolve this was to make the full payment - more than what was owed. I had a huge fight with this individual ( XXXX XXXX ) before he agreed that they had received a large portion. But then he proceeded to insist no settlement letter was ever sent to me and I never spoke to anyone at the firm. He again pressured me to pay, nothing would happen with the summons until they had the full amount. Finally, he agreed to honor the settlement. He should have been required to confirm this in writing. He said it would take 14-21 days. Because I had nothing in writing I began calling after 14 days. No one returned the calls. I finally reached a human being who said he was only interested in debt collection, NOT answering my questions. This seems to be their SOP to harass people to pay, without even confirming the amount or the circumstances. I then had to fight and fight again, first to confirm the debt was settled, then to confirm they had dismissed the summons. But I still have nothing in writing. They should be required to provide this same day by email if requested. Why should consumers have this threat hanging over them, and not know if this firm will behave legally, afterall, the first promise was not kept. There needs to be a higher standard that they are held to and in cases where they fail to meet business ethics, everything regarding the debt should be struck from the consumer credit report. Afterall, we can not keep this on their record for 7 years so they can get away with repeated bad acts. If corporations find out they have a bad record for 7 years it impacts their business. If you are willing to accept the concept for consumers, then apply the same when they do not act accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for XXXX XXXX today XX/XX/20 and I did not get approved because of some accounts with negative payment history on my credit report. I reviewed the accounts and I came to the conclusion that none of them belong to me. I did not open any of those accounts and I did not give anyone permission to open those accounts in my name. I did not make any payments towards any of these accounts nor did I benefit anything such as money, goods, services or any other benefit as a result of these accounts that were opened on my behalf. I have already filed a police report as well as a complaint with the CFPB regarding these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX - partial account umber XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Debt collection

In XXXX, I lived in an XXXX XXXX ( WI ) and was traveling in XXXX  I was issued a {$100.00} " XXXX XXXX XXXX  '' non-criminal traffic ticket ( complaint number XXXX XXXX in XX/XX/XXXX in XXXX. In XX/XX/XXXX was arrested, handcuffed in XXXX for failure to pay ticket. 

In XXXX of XXXX, I appeared in court XXXX case number XXXX XXXX to settle all debts and pay all fines. I wrote checks to the court and went on with my life. I never heard from that court or was notified of any additional fines. 

XXXX of XXXX, I moved to XXXX and began forwarding all my mail. I have not heard anything, I pay all my fines and bills. Today, Im the XXXX  of company, married and my credit score is XXXX on XX/XX/XXXX I received a notice from Harris & Harris of Chicago a debt collection agency that works with Circuit Court in XXXX XXXX Il of an outstanding debt of {$130.00}. 

The issue here is, circuit courts around the country have had a pattern of issuing fines, fees, warrants and mandatory court appearances with the goal of producing revenue not protecting society or maintaining order. The ethical implications for such practices should be examined. This instance is a prime example of how these court systems behave. Please investigate why a Circuit Court in XXXX, XXXX is sending a {$100.00} to collections after 16 years long past any Statute of Limitations has expired.Please hold someone accountable for the terrible bookkeeping but more importantly sitting on a debt and not notifying the recipient when they made every attempt to stay in contact, pay all fines and pay all debts to society. 
This is only {$100.00} and I could easily pay it and supposedly be done but the precedence of such an institutions in mass behaving this way toward all of society should be examined and corrected. I worry for the people with less means under the thumb of such an unethical and error prone legal system.
Product: Credit reporting or other personal consumer reports

I was looking to apply for a home loan L and notice damages on my credit report. According to the 15 USC 1681 law their should not be any damages on my report and is a defamation to my character
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the JXX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy.This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

This complaint is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. XXXX XXXX XXXX, CA XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX Date Opened XXXX. XXXX, XXXX XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

MS Services LLC is reporting a debt that is not mine due to identity theft. I have sent a letter of validation to MS Services LLC with no response. MS Services is in violation of the Fair Debt Reporting Laws and the Fair Debt Collection Laws.