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

Barclays called me to make a payment on my account. The minimal amount was XXXX dollars. I paid XXXX dollars. While I was on the phone with Barclays I saw online my credit card statement was being altered making the minimal to XXXX .Then Barclays charges me XXXX dollars for not making this minimal payment. In addition, Barclays lowers all of my credit lines on all three accounts preventing me form making additional purchases. One account were opened on XX/XX/XXXX with a credit line of XXXX, XXXX dollars. on account ending in XXXX. Barclays lowers to XXXX, XXXX. The second account was opened on XX/XX/XXXX ending in XXXX for XXXX dollars. Barclays lowers to XXXX dollars. Third account opened in XXXX ending in XXXX for XXXX dollars. Barclays lowers to XXXX dollars. This was done to punish me for doing business with them all these years. This was done all at the same time. Barclays charges fees at will. The most shameful part of this whole experience is that Barclays have been doing this to other clients and to their own employees. These employees have told me that they are afraid to speak up for fear of losing their jobs. They go on to say '' We have seen our colleagues purposely change our clients credit card statements just to make them pay more. '' If they like you. They leave you alone. If they don't like you, they punish you.. Lowering these credit lines has maxed out these cards and thus lowering my credit score. As these employees have said. : '' Barclays plays games with our clients credit card statements. You are not the only one who has been hurt by Barclays!!!. '' Please keep in mind that Barclays has been sued before on this. Barclays refuses to correct the credit damage they have caused., Barclays has preventing me to seek additional credit with other creditors because of Barclays negative remarks on my credit file. Barclays has also taken away the benefits associated with these accounts, Barclays refuses to give you bonus points on the purchases I made. Barclays destroyed my Jet Blue Account on account XXXX by taking away my skyway miles and preventing me to purchase air line tickets.,
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account XXXX sharing information with another 3rd party /non affiliate which is in violation of my 16 CFR 313.7 Opt-Out notice. XXXX XXXX violated my rights as well under 15 USC 6802-6805 They are supposed to send me an opt-out letter every 30 days. Per the Fair Credit Reporting Act as a federally protected consumer, I am now opting out of authorization I the consumer may have given XXXX XXXXXXXX written, un-written, verbal and non-verbal per 15 USC 6802. I am " opt-out '' of XXXX XXXX reporting on " card utilization '' to 3rd party/non-affiliate credit agencies.
Product: Debt collection

I received a letter dated XX/XX/XXXX from XXXX XXXX XXXX claiming I owe a balance with Chase Manhattan Bank. I explained to XXXX XXXX XXXX representative named XXXX XXXX that my credit information with Chase Bank shows XXXX  accounts in collection. XXXX XXXX told me that XXXX XXXX XXXX had the balance from Chase Manhattan Bank since XXXX. As of last Friday, XX/XX/XXXX Chase Bank has informed me I am " already approved '' for some of their credit card products. 

I informed XXXX XXXX that I requested previous bank statement copies to go over accounts I've paid off. XXXX told me I had until Monday XX/XX/XXXX to make a payment. XXXX also eluded that it gets worse if I dont resolve because it has happened to him. I asked XXXX to please be reasonable and allow the statements to arrive by mail. My checking account statements are not available online because I have closed my checking account months ago ( customer request ). 

XXXX refused to provide his operator number when asked to do so. I asked for a manager to speak with and/or their operator number. XXXX refused. I mentioned to XXXX standard recurring invoices or bills give around 25-30 days for repayment. I asked XXXX for 30 days so I could have time to receive past statement copies and perform due diligence. XXXX denied my Goodfaith attempt to try to validate or deny this questionable debt. 

I visited XXXX because XXXX XXXX XXXX is registered in the state of Florida. How could XXXX XXXX  XXXX have information from XXXX, when they weren't even doing business in Florida until XXXX? This caused alarm. I then contacted XXXX via phone ( XXXX ) and received verbal confirmation of this as well. 

I spoke with Florida Department of Agriculture and Consumer Services ( XXXX ), as well as the Federal Trade Commision ( XXXX ) to alert them. I called XXXX XXXX XXXX back. I asked XXXX how long he has been employed with XXXX XXXX XXXX, and XXXX told me " don't worry about it ''. As I was re-confirming the date/year of the questionable debt, XXXX XXXX raised his voice and started yelling at me in an abusive unprofessional way. This also raised a concern with me. I requested to XXXX that he not yell. 

I also asked XXXX which family of Chase card products does the debt belong to. I also asked for transaction history, or an agreement showing I entered into a credit card contract. XXXX could not, and did not provide those details. I pulled a free annual credit report from all three credit reporting agencies. They also show all of my accounts have been paid with XXXX balances and nothing in collections. I am filing a complaint against XXXX XXXX XXXX because of deceptive, abusive, and false tactics. I do not owe a balance with Chase Manhattan Bank per Chase Bank employee XXXX located at the XXXX, FL branch. This was also reconfirmed by Chase Bank collections representative XXXX operator # XXXX ( at XXXX ).
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a formal complaint regarding erroneous reporting of late payments by Transunion, associated with my XXXX account XXXX XXXX. I have wrote a letter to Transunion dated XX/XX/XXXX and did not receive a response back. According to my credit report, Transunion has recorded late payments of XXXX  days in XX/XX/XXXX and XX/XX/XXXX. However, I assert that these late payments are a result of a billing error rather than any negligence on my part. 

As per the Fair Credit Billing Act ( 15 U.S. Code 1666 ( b ), creditors are required to send billing statements at least XXXX  days before the payment due date. I have not received the statements for the mentioned months within the stipulated time frame. Therefore, I believe that the reported late payments are unjust and inaccurately damaging my XXXX XXXX. 

I request that the late payments on my account be promptly updated to reflect that they were paid on time. It is imperative that this correction is made as soon as possible to mitigate any further adverse effects on my creditworthiness. 

Additionally, if XXXX insists XXXX the billing statements were indeed sent to me within the required time frame, I kindly request that they provide me with a copy of the certified receipt bearing my signature as proof of delivery. Without such evidence, I maintain that the late payments were erroneously reported and thus require correction. 

I trust that the Consumer Financial Protection Bureau will investigate this matter thoroughly and take appropriate action to rectify the inaccuracies in my credit report. Please keep me informed of any developments regarding this complaint and provide guidance on any further steps I should take to resolve this issue. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX email : XXXX phone : ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

" Shop Your Way Mastercard '' - ending in XXXX had identify problems so I asked for a NEW CREDIT CARD. 

Before card was closed, I asked if there was money owed- they said " NO '' Now a NEW CREDIT CARD ARRIVED - ending with XXXX - did NOT activate it until recently - because this company is a horror to reach and deal with - I kept telling them " I don't receive any statements from you and my online is difficult to log into for me ''! 

On Wednesday I received THREE " ALERTS '' - there is an outstanding amount owed which now appears on you " CREDIT REPORT ''!!! Alerts came from XXXX ; All Clear ID ; and XXXX! 

Sure enough - my CREDIT RATING dropped from " EXCELLENT '' to " GOOD '' - for a payment I had " NO IDEA '' I owed! 

Before this - spoke to " Customer Service '' and asked them why do I owe {$2.00} - now it states {$4.00}- on a credit card I just activated????? 

I decided to pay the {$4.00} anyway - told them I would send a check - check XXXX  XXXX, dated XX/XX/year>. 

Now I discovered they billed me AGAIN - now for {$6.00} ( additional {$2.00} interest ) - and decided to pay this AGAIN - now for {$6.00} - which I paid online- which they now have a total of {$10.00}! 

With that said, I asked them " CLOSE MY CREDIT CARD IMMEDIATELY '' - I don't want to deal with them going forward. Immediately an email from them stated " sorry to see you go ''! 

Because of them my CREDIT SCORE lowered - the first time in my entire life has this ever happened!
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfil its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. Please review the FTC attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I was informed by my loan agent there there was numerous negative accounts on my credit files. I immediately opened up a monitoring service to view my credit file up until now i had no use for any as I rarely use my credit at all and often reside in XXXX much of the year. Upon viewing the authorized accounts on my credit file dating back several years, I immediately contacted the local authorities to begin procedures to protect myself from further harm. I am now following the guidance given to me per the local authorities and contacting each of the credit bureaus and creditors also I am filing with the State Attorney General, FTC, And CFPB. 

Please Remove the following : XXXX {$5100.00} XXXX XXXX  {$3300.00} XXXX XXXX   XXXX {$120000.00}
Product: Credit card or prepaid card

Called in late XX/XX/XXXX and asked for a pay off amount. I was given a estimated pay off amount. I called back several days later, closed the account and mailed a check for the amount I was given. Soon after I received a statement in the mail saying the account was closed but there was a credit balance of {$100.00}. 

I called and asked for a check to be sent for the credit amount of {$100.00}. Several days later I received two checks on the same day. I called again and was told I needed to send one of the checks back. I told them I was not going to do that, they needed to void one. After a long debate, supervisor agreed that would happen. 

The next week, while I have not yet cashed one of their checks, I received a third check. I called again and had the same argument with operator and their supervisor and eventually was told that I could cash the first of the three checks and the other two would be cancelled. Before I could do that, I received a statement in the mail that said I owed American Express {$210.00}. 

I called yet again on a Friday, explained the whole thing and was told that my problem would be taken care of and I would receive a call back on the following Monday. When the call did not come, I called again. 

This time, after the same argument about me needing to return checks, I was told I could destroy the first two checks and cash the 3rd and my balance was now XXXX. 

Not believing this would happen, I waited a week and called back. I was told that my balance was indeed now XXXX so I deposited the 3rd check. Three days later, the check bounced and my bank took the money back out of my account. I immediately called back and was told again that a credit balance team would be taking care of my problem directly and I would receive a call back in one week. I do not believe that will happen. 

I feel as if American Express is doing everything the can to keep me from closing the account and severing ties.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute with XXXX  and Equifax for the information reported for XXXX. XXXX customer support is very nasty. only time they are nice is when they call me to ask me to purchase another vehicle from them stating i have good credit history with them. XXXX  is reporting adverse account and 30 day late but yet its not reporting on XXXX, or XXXX. I have provided documentation to Equifax and XXXX  and advise them to remove the comments they added from me trying to dispute the 30 day which has the day it was reported late the same day it was closed from the payoff they received from the dealership. Equifax shows the exact same date closed. i have reached out to XXXX  and Equifax as well as XXXX. There is no reason for XXXX  to show no late payment and only Equifax to show. XXXX  is not showing on XXXX but shows as adverse account on their report. Ive attached all my documents Ive also asked them to remove the statement only response is account updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 to remove : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1300.00}, which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these accounts or information not later than 4 business days after the XXXX XXXX, 2022. Ive already included this in my previous Complaint # XXXX ; XXXX ; XXXX & I am including it again.
Product: Mortgage

The allegation for this complaint is as follow:The issues begin since the beginning of the filing of Bankruptcy Chapter XXXX on XX/XX/XXXX.  There were some payments missed and property tax not paid, so BKXXXX was filed to sustained the arrears escrow and some back payments in the amount of $XXXX. During BKXXXX, every effort was made to meet with the BKXXXX payments regulations and sustaining the regular monthly mortgage payment on the account.  But each month the monthly payment would increase without any explanation.  But we continue to make monthly payment as required.   But we don't believe the amount due was justify.  And the bank keep increasing the monthly due to about $XXXX per month. Fast forward 5 years after BK Chapter XXXX was completed and a discharged was granted XX/XX/XXXX.   Monthly payments continued post BKXXXX, up until XX/XX/XXXX.   As of XX/XX/XXXX, OCWEN said we have not made mortgage payment for the past 46 months. OCWEN did not acquired the loan until XX/XX/XXXX. How can they say we are 46 months behind. Original loan was own by XXXX XXXX, sold to XXXX XXXX in XX/XX/XXXX, then the loan got transferred or sold to XXXX XXXX in XX/XX/XXXX, the loan was transferred to OCWEN on 1XX/XX/XXXX. As of XX/XX/XXXX, PHH Mortgage Services and OCWEN joined forces to established mortgage origination and servicing capabilities.  As a result, PHH is now enforcing a foreclosure on my home.  The date of sales: XX/XX/XXXX at XXXX.  The publishing amount of the Notice of Sales is now $XXXX and PHH is now the current loan Servicing company.Both company are doing shady business.  A dispute was filed on OCWEN on XX/XX/XXXX.  But now since the merger with PHH Mortgage Services in XXXX XXXX XXXX, XXXX XXXX, NJ XXXX.  They are once again pursuing with Foreclosure on my home.  In the disclosure, they indicated an escrow arrears of $XXXX not paid.  Enclosed is all of the supporting documents for this claimant.  Both companies, OCWEN and PHH Mortgage Services should be put of business for robbing innocent people like myself, who have worked hard to upkeep the home.  I am pleading for your help in my case.  Please let my case be heard.Thank you.
Product: Credit card or prepaid card

On or about early XX/XX/XXXX, I received a notification through XXXX XXXX that one of my credit cards had been closed. When I called Citi, they told me that it had been closed due to inactivity. Usually I would receive a letter indicating the credit card will be closed if I did n't use it. They refused to reopen the account unless they did a hard pull on my credit report. As you know, this affects the consumer 's credit score. They can easily do a soft pull and see the same information as they would with the hard pull, not to mention that my account with them has been opened for 17 years, since XX/XX/XXXX and always kept it in good standing. Hard pulls affect my credit score, they acknowledged that they could do a soft pull but refused to do that. They said that I had acknowledged that my account will be closed if it was not used in over 25 months when I acknowledged the terms and conditions I have requested the terms and conditions that I acknowledged at least two times and I 'm yet to received them. 
I feel this is unfair because it affects the consumer 's credit score and they should give notice about closing accounts.
Product: Credit reporting or other personal consumer reports

Credit reporting ensures that bureaus report only 100 % accurate credit information, therefore my XXXX XXXX Acct # XXXX needs to be re-investigated. I initially requested for this account to be validated, with no response. 
FCRA section 611, gives me the right to request an explanation of the verification method used. Also this inaccurate information is reporting two times on my report. This is a paid closed account and should not be reporting negatively.
Product: Credit reporting or other personal consumer reports

Had a XXXX account with XXXX XXXX that was fraudulently converted into a credit account without my knowledge. The signature was forged and this was reported to XXXXXXXX XXXX back in XXXX of 2023. They seized any billing and had stated we had overpaid and none of our payments were credited to our accounts and they were going to investigate and pursue on their end. Payments have not been made as all statements have come through as {$0.00} owed and was not given a statement of a balance due or late. The account was fraudulently opened and never taken off the credit report. I reported this to Experian and they denied removing the late payment and fraudulent account from report. I had to pay the payment to get the status out of late on an account that is not mine. XXXXXXXX XXXX XXXX accounts and financed credit account are XXXX separate things and my information was used by the licensed XXXX dealer that is not employed anymore to open an account now charging a XXXX  % interest rate while a truck account does not have an interest accrual.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a matter of significant concern regarding inaccuracies on my credit report, which has recently come to my attention during the process of attempting to purchase a car.

I believe these inaccuracies are in violation of the Fair Credit Reporting Act ( 15 U.S.C 1681 ). Upon reviewing my credit report, I discovered several pieces of information that are incorrect and do not accurately reflect my credit history. These inaccuracies have adversely affected my creditworthiness and, consequently, my ability to secure favorable financing terms for the car purchase. 

I have attached a copy of my credit report highlighting the discrepancies for your reference. I would like to draw your attention to 15 U.S.C 1681, which mandates the accurate reporting of consumer credit information. I believe that the discrepancies on my credit report are in violation of this law, and I kindly request your assistance in investigating and rectifying this matter. Please see below whats reporting on Experian, XXXX, And XXXX 

XXXX {$780.00} XXXX XXXX XXXX {$760.00} XXXX XXXXXXXX XXXX XXXX {$610.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$2300.00} Enclosed with this letter, please find copies of the following documents for your review and investigation : 1. A copy of my credit report. Identity theft affidavit, and police report.

2. Any supporting documentation that verifies the correct information.

I kindly request that the Consumer Financial Protection Bureau undertake a thorough investigation into this matter, ensuring that the credit reporting agencies comply with the provisions of the Fair Credit Reporting Act. 

Your prompt attention to this matter is greatly appreciated, as it has direct and immediate implications for my financial well-being. I look forward to a swift resolution and a correction of the inaccuracies on my credit report. 

Thank you for your time and assistance.
Product: Checking or savings account

I opened an account with Cashapp in XXXX or maybe late XXXX. They canceled my account in late XXXX or early XXXX because I supposedly violated terms of service. Their terms of service is a 30 page document. I can not figure out what I did wrong and I don't believe I did. They cancelled my account. I was able to withdraw whole dollars but there is XXXX cents left in the account and I would like it for principle. It is my money, why should they get to keep it. They are refusing to send me a check for the XXXX cents and will not tell me what I did to violate TOS nor will they reinstate my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX XXXX credit card that was close to the limit for a trip to XXXX for my sons wedding few years ago. Had auto pay with XXXX XXXX card services and never a late payment for years. Sold my house XX/XX/2021 and loan XXXX said pay off card to increase my score for new mortgage. Loan officer re pulled credit for upstate and XXXX reported a 30 day late for XX/XX/2021 and my FICO plumited down and I can not get a mortgage. Payment was not late however they reported me 30 day late on credit report. This loan was paid off in full on XX/XX/XXXX and I have proof and XXXX confirmed but wants me to dispute with the credit agencies any can take too long.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I drafted the attached dispute to Equifax advising that my " personal information '' appearing on my credit report had errors. I have attached USPS receipts indicating proof that the dispute was delivered. It is significant that the same dispute was honored by XXXX immediately. Despite this, the incorrect information remains on my credit report more than 30 days later.