23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I applied for a XXXX XXXX card from Barclays in XXXX of XXXX. There was a Welcome Bonus of XXXX points after paying the annual fee. I paid the annual fee of {$89.00} in my first billing cycle but never received the points as promised ( exhibit XXXX ). Shortly after I was approved, Barclays converted the account to an XXXX XXXX XXXX XXXX card, due to the XXXX XXXX merger. Because the old XXXX XXXX product was no longer being offered, I could not look up online to confirm what the requirements were to get the bonus. From my understanding, I met them by paying my annual fee. After I got my new XXXX card I used it in XXXX of XXXX, hoping that would trigger my XXXX points I never received ( exhibit B ). 

By XXXX I used Barclay 's secure message service on their website to submit a complaint and ask where my points were ( exhibit C ). I was told I did n't meet the requirements ( even though I paid my annual fee ) because I did n't make a purchase. I did n't ever see that in the terms and conditions when I applied, and again, could n't be found online due to the original XXXX XXXX product being discontinued. 

Hoping for a better resolution from Barclay 's XXXX team I contacted Barclay 's on a secure XXXX message to ask where my points were ( exhibit D ). I was promised I would see the points on my next statement. I was not notified that I failed to meet the requirements. 

My next statement would be XXXX, I did n't receive a statement that month. XXXX was the last statement I ever received in XXXX ( exhibit E ). I did n't receive a statement until XXXX of XXXX. There was nothing on the statement. Nothing due, no rewards points, no balance, nothing ( exhibit F ). 

Fed up and frustrated with Barclay 's I forgot about the account. 

I 'm now just realizing I 've been charged an annual fee for my second year, and two late payments. 

If Barclay 's will not keep their word of honoring the original agreement of rewarding me XXXX points upon paying my first annual fee in XXXX, and will not honor their promise to reward me my points when I asked for them in XXXX, I ca n't be expected to pay an annual fee on this account. 

I 've since been charged two {$25.00} late payment fees because I have n't paid off the 2nd year annual fee on time. I will not be paying the annual fee, or the late payment fees, as Barclay 's has broken our agreement. 

{$89.00} - 1st annual fee ( paid in full - Exhibit A ) {$89.00} - 2nd annual fee ( only paid {$25.00} in XXXX - Exhibit G, and {$51.00} in XXXX - Exhibit H - of the fees before realizing Barclay 's never honored agreement )
Product: Credit reporting or other personal consumer reports

XXXX Inquiries XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> Please Remove, .Ive mailed documents and called weeks ago. the person in spoke with said they would fall off report. 

These shouldn't be reporting on my personal credit..! ... They were submitted for business.! 

Thanks in advance for your help.!
Product: Debt collection

The last charge I made was for the amount of {$250.00} which I paid Macys on XX/XX/20. My card had a XXXX balance. when I received the next statement there was a balance of {$880.00}. Now the balance has gone up to {$1200.00}. I called Macy right away to report to tell them that I did not make any of those purchase. I did not find my Macy card so I told reported it stolen. Macy said that they were going to investigate. They cancelled my card and sent me a new one. The next statement I received, macy took all the changes off. Then they turned around and told me that I am responsible to pay after they investigated some more. At which time a police report was made on XX/XX/20, but macy still holding me responsible for charges I did not make. 
I am asking to please take those charges off my account since I did not make any purchase since I had a XXXX balance on my account. My credit is also in jeopardy for some charges I am not responsible. I also keep being harassed by phone calls. I am confident that you can solve this issue. 
I thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the XXXX and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. 
Fact, the Truth In Lending Act XXXX finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXX can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter in response to your current investigation that took place in my credit record. Again, I believe I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. I am not familiar with the list of accounts I am disputing and I believe that they do not relate to any transactions that I have made or authorized. Please investigate these items at the earliest possible time. Below are the fraudulent items that are still appearing on my report : XXXX Collection : XXXX  XXXX  ( Original Creditor : XXXX ) XXXX Balance {$0.00} Inquiries : XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX FOR XX/XX/2021 XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX OF LA XX/XX/2021 EXPERIAN Collection : XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance {$0.00} Inquiries : XXXX/XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX  XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX  XXXX  XX/XX/2021 XXXX AUTO XX/XX/2021 XXXX XXXX/XXXX  XXXX XXXX XX/XX/2021 XXXX Collection : XXXX  XXXX XXXX Balance {$0.00} Inquiries : XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

There are multiple instances of noncompliance with mandated reporting criteria, thus the information in my report isn't accurate and comprehensive! Having said that, I refute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to my credit report.

15 U.S.C. Section 1681e states that " a consumer reporting agency shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates whenever it prepares a consumer report. '' According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

XXXX XXXX XXXX XXXX Late Payment {$0.00} XXXX XXXX XXXX Late Payment {$0.00} XXXX  XXXX Late Payment {$0.00} ( Original Creditor : XXXX  ) XXXX Collection {$230.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX Collection {$230.00} XXXX XXXX XXXX XXXX Collection {$18000.00} XXXX XXXX XXXX XXXX Collection {$26000.00} XXXX XXXX XXXX {$5000.00} XXXX XXXX Charge-off {$510.00} XXXX  XXXX Charge-off {$12000.00} XXXX  XXXX Charge-off {$790.00} XXXX XXXX  XXXX Charge-off {$6400.00} XXXX XXXXXXXX Charge-off {$510.00}
Product: Credit reporting or other personal consumer reports

I am requesting that these unauthorized inquiries be investigated and removed from my credit report promptly. Please find attached any necessary documentation to assist in resolving these matter. 
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

I need to resubmit this complaint to XXXX. I have communicated with them about the inaccuracies on my credit report, including discrepancies in the dates of the last movement, dates opened, dates detailed, and installment status. Despite their assurance of conducting a thorough investigation, more than 30 days have passed, and upon checking my credit report, I see no changes and no corrective actions have been taken. My rights have been overlooked on multiple occasions. 
According to 15 U.S.C 1681 Section 602 A, I have the right to privacy. Additionally, 15 U.S.C 1681 Section 604 A Part 2 stipulates that a consumer reporting agency can not furnish a report without my written instruction. To formally address this issue, I filed an FTC report with the report number XXXX.
Product: Mortgage

I began a refinance of my existing mortgage with Amerihome Mortgage on XX/XX/ 2022. From the time I started they have consistently lied to me, provided me with 12 closing statements at least, the underwriter was asking me for statements and documents that had nothing to do with the loan. Several times I had to speak with a supervisor who agreed with me but he too lied to me. I am an XXXX american single women, age XXXX. It appeared that either my race was an issue or my age. They kept finding things wrong with my loan. I had several closing dates, several rates that were locked in and finally they came up with a figure and kept trying to convince me that they would not charge me late charges because it was their fault. Since they have lied throughout this entire process, I do not believe a word they say. Finally on XX/XX/XXXX, XXXX eve, they delayed my travel plans to send a notary from XXXX to close. I was told that the loan would finance on XX/XX/ 2022. I received a notice from XXXX that the notary forgot to have me initial something. I initialed on XXXX XXXX, 2022 and returned the document. The {$11.00}, XXXX of the proceeds should have gone to pay off XXXX XXXX XXXX This check was supposed to be overnighted to the loan company. Low and behold, the Title company was informed to send the check to XXXX which there was no record, so they informed me they would overnight the Check to me. Then I would have to send to XXXX. What this told me was they did not even know who I owed. The overnight check should have been sent on the XXXX, and I should have received it yesterday XX/XX/2022. Never came. This Mortgage company and Title company should be investigated. They have cost me additional fees in interest on the Loan that I owed, They charged me a transfer fee when I agree to a direct deposit by giving them a cancelled check, additional fees in closing cost which I am not exactly sure how much they have charged.
Product: Credit card or prepaid card

On XXXX/XXXX/17 @ XXXX I made a CC payment of a parking ticket associated to SFMTA in lieu of receiving a " hearing to contest '' the citation ( XXXX ). The condition with SFMTA is that you must pre-pay the penalty to acquire the hearing. The amount was {$280.00}. The hearing was ruled in my favor, and the ticket was dismissed.
CITI CARD refuses to refund/reverse the charge, stating that I needed to provide a valid credit card slip. This is not possible since the merchant ( SFMTA ) did not provide a copy of the credit card slip when requested. The transaction was completed using a digital CC machine ( point of sale terminal ) at the customer pay window, and the only thing I received was a copy of the receipt.
I provided CITI CARD with copies of all supporting documentation, which included : - a copy of the ticket - a copy of the transaction receipt.
- a copy of the bill of sale - a copy of the letter I received stating that the hearing was ruled in my favor, thereby negating the validity of the transaction, providing proof that the amount needs to be returned.
CITI CARD is refusing to reverse the charge and directing me to " take it up with the merchant '' to achieve a resolution. It is my firm belief that the responsibility falls firmly with CITI CARD to protect/defend its customers from these kinds of local government merchants/organizations. It is not the customer 's responsibility to battle with the merchant ; it 's the credit card company 's responsibility to protect its customers.
So much for taking care of your 10+yr customer. Not acceptable. I will be taking my facts-supported situation to social media.
Product: Credit card

Received XXXX statement with annual fee assessed on XX/XX/XXXX. Called Capitol One 's operator XX/XX/XXXX upon bill receipt, since I have not used this card in almost two years I determined I did n't need it. Not a problem we will cancel the card. Followed up my telecom with a letter mailed XX/XX/XXXX. Yesterday I received a XXXX statement showing the previous annual fee charge with additional late fees etc. Called today, XX/XX/XXXX and the operator said since I did n't pay the annual fee for the coming year I was assessed the late fees regardless of the fact I cancelled the card and the original operator told me since I was cancelling the card there was no annual fee due.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ( XXXX ) is in violation of several laws that are allotted to me by the FCRA ; 15 USC 1681i ( 5 ) ( A ), 15 USC 1681 B, 15 USC 1681 C-1, 15 USC 1681 C-2. XXXX, Equifax, XXXX did not have my written consent to furnish any information on my credit report. Since you did not have my written consent to furnish any information on my credit report according to the FRCA it is constituted as identity theft. Since this late payment is on my credit report as a result of identity theft it must be taken off of my credit file. Moreover, when you guys closed the account you did not send my statements to my address. Since I was not getting my paper statements i was unaware of the due date causing me to fall behind on the payments. Moreover, on XX/XX/XXXX, I called XXXX and they notified me that XXXX only reports 60 days late and the representative went ahead and reverse the late fees and the interest payments and told me that since she did the reversal the monthly payment was satisfied and i did not have to make a payment. On XX/XX/XXXX I checked my credit report and i have a 30 day late payment on my experian profile. If i knew that i was going to be reported as 30 days late i would have made a payment on the XXXX when i called in. The calls are recorded and monitored and you guys can go back and check that conservation that i had with that representative. Due to the misleading and false information that i got from a trained employee at your company, i have a late payment on my credit report. Also, on XX/XX/XXXX i spoke to XXXX, who was rude unprofessional and XXXX. He constantly hung up on me and even blocked my number from calling in when i wanted to speak to a manager. XXXX closes at XXXX XXXX  XXXX and XXXX took it upon himself to cut off the phones to the customer service line at XXXX XXXX. I was unable to call in and speak to a manager to get my concerns addressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$3100.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$610.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$490.00} ; XXXX XXXX XXXX XXXX Balance : {$93.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/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
Product: Consumer Loan

GREEN TREEXXXX XXXX, SDXXXX ( XXXX ) XXXXXXXXThey are stating that I had an auto loan with them back in 2006. I have never had any loans or dealings with Green Tree. I do n't even know who they are to be honest. How can I get this taken care of?
Product: Credit reporting or other personal consumer reports

Dispute of Inaccurate Credit Reporting Account Number : XXXX Dear Sir/Madam, I am asking for a re-investigation. There are several inaccuracies on my credit report concerning the account with Navy Federal Credit Union, account number XXXX. Upon reviewing my credit report, I have identified multiple errors and inconsistencies that violate my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) .Attached you will find specific inaccuracies that I identified in my report, I request that these inaccuracies be thoroughly re-investigated and corrected immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing with the bureaus since XX/XX/XXXX, some inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the 30-day timeframe that they are supposed to respond in. On XX/XX/XXXXXXXX  I decided to give the bureaus another chance and sent another letter to each of them, demanding they delete the inquiries that I did not authorize. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I have made attempts on several occasions to apprise all XXXX credit bureaus of my concerns. I went through the process of filing an identity theft report and sending certified letters, to dispute an account ( XXXX XXXXXXXX with a {$0.00} balance ) that is due to identity theft. 

Though I had an authentic identity theft report, I was told that the report was not authentic and the account remains on my reports. These credit bureaus are not exercising ethical practices consistent with the Fair Credit Reporting Act. 

I have recently sent letters to continue to request proof that the account in question belongs to me. The original address that they have on file is not an address that I have lived. They are continuing to send letters with old statements in response to my request to verify the account. They have yet to provide anything with any proof reflecting my signature. This is unlawful and it is negatively impacting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019, I was late on a single Kohl 's payment for a nominal amount. It was a simple slipped my mind situation which I rectified when brought to my attention. I have no other late payments on my credit report with any company. I have asked Kohl 's multiple times to please remove this from my credit report. They continue to refuse to do so even though it's been more than 3 years since the one late payment. I feel it is unfair to continue to have this ding on my credit even though my account has been in good standing for more than 3 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid in full for XXXX XXXX  XXXX, XXXX, but still the amount is showing as unpaid or derogatory/open I am from XXXX working as a XXXX staying with my family here, i asked the paid in full letter to XXXX XXXX  XXXX, XXXX, they said they will not provide, then i asked to XXXX XXXX XXXX property manager and he sent me a letter. 

please find the attached file and remove XXXXXXXX XXXX XXXX, XXXX collections from my credit report. 

i lost my current job and need to vacate current apartment by this month XXXX XXXX, i have to find an apartment before that, so please kindly update my credit reports, having collections on my credit report we are facing extreme hardship, I don't have enough money to feed my family but i am paying these collections,, please understand my situation. 

please helpme