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

On XXXX I purchased an XXXX XXXX  for {$550.00} after tax using the Barclays / XXXX XXXX XXXX  credit card. The purchase posted on my redit card XXXX. One of the published benefits of the credit card is extended warranty protection. When the XXXX XXXX  failed outside of the manufacturer warranty on XXXX, I contacted Barclays customer service to file a claim. The documentation on Barclays website advised me to file a claim at XXXX ( XXXX, XXXX ). 

I filed a claim ( Claim XXXX ) on XXXX 's website on XXXX, and was asked to provide additional documentation : Sales receipt, statement of manufacturer warranty, credit card statement. Additionally, a repair invoice and diagnostic from an authorized service center stating what is wrong with the product. Finally, on XXXX they tell me to call them because there is an update. I do, and they tell me that they do not offer extended warranty protection benefit for this credit card. 

I call XXXX about the benefit, and they tell me I need to talk to my credit card provider ( Barclays / XXXX ). So I call Barclays customer service XX/XX/XXXX and ask them to confirm that my card has extended warranty protection. They say it does, so I explain what happened. They say they will open a case ( XXXX ). A month later on XXXX, I call to ask for a status update for the case and they tell me they can not provide information, I need to talk to their Disputes Team on a different phone number. I call the disputes team, and I'm told the case was cancelled XXXX, and that I need to call XXXX. 

I ask to speak to a supervisor, because this was going in circles. They transferred me to one, and this time they actually got XXXX on the line to confirm XXXX statement about not providing the benefit, but that the benefit WAS advertised for my card. they again took notes about the problem, and opened a new case ( XXXX ). 

I am filing this complaint here in tandem because I have already spent a lot of time trying to figure this out for them and I feel that other consumers should not have to go through this trouble.
Product: Credit card

Synchrony Bank took over XXXX of my credit cards. Those accounts are Sam 's Club Credit, Lowe 's Credit, BP XXXX Credit, and TJX Credit. Their actions on all accounts are similar. They refuse to send my copy of the bill electronically to my bank as XXXX for example did previously. They will only send it to me, however, they are not very good at doing that. Consistently, they fail to send me a monthly bill and then charge a late charge and interest. They claim to have sent the bill but provide no documentation trying instead to send me on a wild goose XXXX looking in the spam trap. They refuse to eliminate the late charges after the first but always charge interest, and they post against my credit record. They then call with threatening collection actions and even put XXXX card " on hold '' four days after the end of a billing period XXXX with a purpose of getting me to let them draft a minimum payment from my bank. I tell them that that will never happen and they do not like that response. I have no outstanding credit card debt and pay no credit card interest by design. I should not have to go through their clunky websites to get my bill on a monthly basis particularly since some of the accounts are not used on a monthly basis. I judge that it is no longer safe to have bills sent through the XXXX mail. Either this bank does not have the technology or chooses not to use the technology that we as consumers are accustomed to having available ; or perhaps this is simply their ploy to increase the revenue stream by creating late fees and charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tranunion refuses to report up to date balances and account status of my report. I have contacted them, multiple times, letting them know that the balance that they are reporting and the late payments are incorrect but they do nothing about it and it is a pure violation of my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE XXXX XXXX XXXX XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO
Product: Student loan

Navient on behalf of University XXXX reported to the credit bureaus that I was late in payment while I was in forbearance until I could prove deferment due to attendance. The representative I worked with failed to mention that my documentation would not be retroactive. I disputed the late mark on my credit report to no avail.
Product: Debt collection

Company called my close friends phone after normal hours to discuss an unknown debt. 

I also never received written notification about the debt in the mail proving that I owe this debt.
Product: Credit card or prepaid card

XX/XX/XXXX Opened a Chevron/Texaco affinity Visa card service by SYNCHRONY BANK - credit limit {$2500.00} ( my credit score is between XXXX ) ; XX/XX/XXXX started using the card for my company 's drivers mainly at Chevron Gas stations XX/XX/XXXX balance is {$400.00} - I made the first payment online through company 's Synchrony Bank 's website XX/XX/XXXX email received confirming " payment posted '' - available balance not updated to reflect payment XX/XX/XXXX balance {$720.00} - made another payment of {$720.00} - bank website XX/XX/XXXX email received confirming " payment posted '' - available balance not updated to reflect payment XXXX spoke to company representative who informed that " payments are on hold '' while thy " determine my payments pattern '' due to new account - this is without any " returned payments '' - representative advises that payments are being held for up to 9 days! 
Agent advises that making payments on " debit card '' is quicker and will credit in 24 hours XX/XX/XXXX - Payment of {$1000.00} made on debit card linked to my business account that'd a balance of over {$90000.00} XXXX Received email confirming " payment has posted '' - balance fails to reflect the payments XX/XX/XXXX - None of the payments had been reflected in " available balance '' XXXX spoke to multiple representatives and supervisors who told me that " payments can be held for 9-10 days '' and that I was ERRONEOUSLY told to make a payment on debit card as that payment also would be held for 9-10 days! 
All payments made had cleared my bank account in 1-2 business days Contact made with Social media " executive linked representatives '' XXXX, who pretty much repeated all the above while being unable to answer the question " What does it mean when your email says my payment has posted? '' but the balance is not updated??? 
FYI-My debit card payment made on Friday XX/XX/XXXX cleared my bank account on XX/XX/XXXX the very next business day. 
Why in an age of electronic banking does Synchrony Bank claim that they have not " verified payments '' and can not tell me what that even means? 
How can Synchrony Bank deceptively send confirmation of payments but not make the balance available? 
New account or not, unless they have another reason and experience to " hold payments '' this should not be allowed and is illegal as it it is clear Synchrony was receiving the funds in 1-2 days.
Product: Mortgage

OCWEN AND GMAC MORTGAGE ARE REPORTING NEGATIVE ACCOUNTS TO MY CREDIT REPORT. I HAVE NOTICED A NEGATIVE MORTGAGE ACCOUNT REPORTED BY OCWEN ON MY CREDIT REPORT WITH ALL XXXX BUREAUS. WHEN I REACH OUT TO OCWEN ASKING THEM TO VALIDATE THE ACCOUNT I RECEIVED A LETTER FROM THEM STATING THEY " NEVER ACQUIRED SERVICING ON THIS ACCOUNT '' AND THAT GMAC HAS FILED BK. IF OCWEN NEVER SERVICED MY ACCOUNT THEN THEY SHOULD NOT BE REPORTING IT TO MY CREDIT REPORT. LETTER BEFORE XXXX XXXX STATED THEY ARE REPORTING INFORMATION CORRECTLY.. ( ATTACHED PROOF LETTERS ) THIS IS A MAJOR VIOLATION OF FCRA
Product: Credit card or prepaid card

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CAPITAL ONE BANK USA has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Credit card

On XX/XX/XXXX, I had noticed that {$6700.00} were taken from my bank account ( from XXXX XXXX ). As I had called my bank, a representative from my bank had informed me that this amount was being levied due to a court order. When I had researched the court order, I had discovered that there was a complaint filed against me by the XXXX XXXX XXXX XXXX firm in the XXXX XXXX XXXX XXXX XXXX stating that I opened a credit card with Citibank N.A. and that I had owed an outstanding sum of {$5800.00}. However, on this official complaint, my name was affiliated with an address that is not my home address. In addition, given that the address listed on the court complaint was not my own, I was not made aware that such a complaint was raised against me because the notice was not sent to my correct home address. Therefore, the XXXX XXXX XXXX XXXX XXXX  had taken my non-response to this complaint as me refusing to address the complaint and not pay the outstanding credit card fee. Therefore, the XXXX XXXX proceeded to levy the amount owned on my bank account. Given that I had no knowledge of the creation of this credit card and that this address listed under my name in the court order, I had come to the conclusion that this credit card creation is a result of my identity being stolen and wrongly used. In addition, since XXXX XXXX was only holding onto the amount of money that was being levied by the courts, the courts had also extracted the same amount of money that was being levied from my wife 's ( XXXX XXXX XXXX bank account from XXXX XXXXXXXX XXXX since that account is a joint account affiliated with me. On XX/XX/XXXX, I had sought out legal representation in regards to the court complaint and levy against me from the law firm of XXXX XXXX XXXX. In working with XXXX XXXX as my legal counsel, he and his law firm had filed a Notice of Motion to the XXXX XXXX and a Proposed Answer. On XX/XX/XXXX, a judge from the XXXX XXXX XXXXXXXX XXXX XXXX had decided to grant the motion to vacate the default judgement. Around that time, the funds have been returned to myself and my wife in our respective bank accounts. On XX/XX/XXXX, I had file a police report in the XXXX XXXX Police Department in regards to the wrongful theft and usage of my identity.
Product: Consumer Loan

Hello, My wife and I refinance our car XX/XX/XXXX with Santander USA. XX/XX/XXXX we paid the car off and received new XXXX, release of security note. We sold the car to XXXX XXXX XXXX and since the car was sold XXXX more times. I went to the DMV and received the print out of title. We have submitted it to all credit agencies numerous times and call Santander. Santander will not update there system and keeps reporting the wrong information. This causing us great harm. We are trying to buy a home but with this wrong and malice act by Santander the bank wants us to put more money aside for the loan which we cant afford. 
Please help!!!! 
Thank you.
Product: Debt collection

My credit report has an error. Midland Funding reports that my account with Nordstroms was opened in XXXX, 2013 ; this is incorrect information and may negatively affect my credit. I wish this incorrect information removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report The Credit Bureaus stated my account was properly investigated but how is this possible if the payment history is inaccurate, last activity is inaccurate on accountXXXX : XXXX XXXX. Also on account XXXX : XXXX XXXX the last activity is inaccurate and remarks is inaccurate and months reviewed is inaccurate and payment history is inaccurate. This is grounds for removal they also violated my rights under 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 15 U.S.C 1681e - Compliance procedures ( b ) Accuracy of Report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to the FCRA the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

That stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are not still reporting 100 % accurate. And according to the FCRA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 
Account Number XXXX  : XXXX XXXX and Account Number XXXX : XXXX XXXX
Product: Money transfer, virtual currency, or money service

I received a phone call from XXXX and said that my name had been used to laundry monies. I was then transfered " agent " from FTC with badge number. He told me that I had to deposit monies to hold on file while complaint was investigate. I was told monies was to be deposit in a ATM and gave me location for The ATM operated by ATHENA. He told me that once the investigation was done the money would be returned to me. 
He gave me my account number and a one time account number for monies to be returned. 
He told me if this money was not deposited I could be arrested. 

After depositing monies I checked with local police department and they told me that NO warrant had been issued for me. 
I then tried to have monies {$10000.00} used returned from ATM and was told my account was empty, I then filed report with FTC The FBI and local authorities. 
This was on Friday XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the company " XXXX XXXX XXXX '' for information regarding a vehicle loan for the XXXX  XXXX XXXX that is reporting on my credit report as charged-off. XXXX advised that they could not provide any information, that I would need to contact the company collecting on the debt, which is XXXX XXXX, however, this debt is still reporting under " XXXX XXXX XXXX. '' I reached out to XXXX Acquisitions multiple times to request verification documents for the debt and was told I was not listed as the owner of this debt, but the primary applicant of the car loan was.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I was called by a fraud company that used the caller ID of my utilities services company, XXXX. I was told that if I did not pay immediately, I would have my electrical services cut off. I sent four payments for a total of {$1900.00} through XXXX. I contacted my financial institution ( Chase Bank ) and they denied my claim. XXXX was also unable to help me since the money had already been transferred.
Product: Credit reporting, credit repair services, or other personal consumer reports

Amount of debt : Date of Service : Provider of Service : XXXX XXXX XXXX, XXXX, XXXX & XXXX XXXX ran by XXXX To Whom It May Concern, I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 
It is also my understanding that Under the FCRA 15 U.S.C. 5 16811, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORR INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PRO COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immedia The infractions are as follows : Alleging Creditor and Account as is reported as having a late payment my credit report : ( dispute_item_and_explanation ) I am demanding that this account be updated to Paid as Agreed and Never Late. 
By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report. 
I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail. 
Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report from ( TRANSUNION ) XX/XX/year>. I saw a hard inquiry that did not have permissible purpose. 

( XXXX  DATE : XX/XX/year> ) This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681B
Product: Money transfer, virtual currency, or money service

On XXXX I was scammed out of XXXX XXXX I did try to cancel the payment but was unsuccessful and cash app did not help me get my money back
Product: Credit reporting or other personal consumer reports

I have had major issues trying to get resolution on my problem with Experian. 
I have applied for a credit card and my bank only does verification through Experian. I have an online account with Experian. 
Every time I log into my experian account, I get asked if I want to order my credit report ( which by the way is not optional, you have to order it ). I click to order, provide my SSN and submit order. I get the following message - " Experian is committed to protecting your personal information. We utilize a thorough identity verification system because your security is important to us. Unfortunately, we have not be able to properly identify you from the information you provided. Please note your order has been canceled ''. They then provide a phone number to call. 

Now this is where my ordeal starts. 

I called that number ( XXXX ) on XX/XX/XXXX. You can not get a person on that line, the robo options is ridiculous, you can not ask for representative as it says they are not allowed to transfer. If you say membership issues, they point you to the website to upgrade, if you say consumer report they again point you to the website and if you say login/password issues they send you link to reset your login or password. 
I finally decided to send them both an online request to unfreeze my account and also snail mail with my passport and bank statement as identity verification. 
I tried calling the same XXXX number on XX/XX/XXXX, I had the same issue with the phone line. 
I finally got a mail on Thursday XX/XX/XXXX stating that my credit freeze has been unfrozen, excited I called the bank stating the same, they tried it. Guess what they removed the freeze but the bank can not pull the report. 
I decided to call back the same XXXX number on XX/XX/XXXX and this time I asked for dispute. I finally managed to get a person ( by the way they dropped the call couple of times before I got a live person ). This individual gave me a new number to call XXXX to have them take care of the credit report. Guess what, that number is not in service!!!!. I call them back, got another live person and I told them everything that is happening and she gave me the same number to call to get the report. I told her that the line is not in service, she said she will verify. She verified and came back and said that the number is correct and to keep trying. I was flabbergasted, I told her that the line is not in service, what is the point of calling it again and again. That was the end of the call with her. 
I then decided to create a new account with experian, new email etc same problem. 

I do not have my credit report, I have login credentials to a credit bureau that is useless. How am I supposed to resolve this problem. I have provided everything, identification documents, called their non existing line. 

I need help in resolving this issue. I sincerely hope you folks can help me out over here. 
Note : I have XXXX issues with the other two credit bureau. 

Thank you in advance for any help.
Product: Credit reporting, credit repair services, or other personal consumer reports

My original complaint about this agency ( # XXXX ) was closed. Since then, the agency provided me with information as to how they arrived at their decision to continue to list the item in my credit file, a bankruptcy. I have provided this information to validate that the agency LIED as to how they received information regarding the bankruptcy item in my file. A letter from the Court specifically states they do not " perform '' such activities to Credit Bureaus. Giving false/inaccurate information in my credit file is a violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Knight Adjustment Bureau # XXXX is reporting a balance that I do not owe. I have already paid this off. I should not have a balance on this account nor should it be reporting to my credit. I have paid this and it should not be reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX ( XXXX ) XXXX I know nothing of this debt, But I am constantly getting calls and mail In regards to this debt, I am a consumer and my rights as a consumer matters, If your organization is unable to help me, I will speak with my lawyer, I would like a response within 15 days please. 

XXXX XXXX XXXX Original creditor : XXXX XXXXXXXX XXXX XXXX A Account number : XXXX Date opened : XX/XX/2022 Account type : Open Account Status updated : XX/XX/2022 2022