23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

In XX/XX/XXXX Barclay XXXX offered XXXX service members the luxury card for 0 % interest. I called the company prior to applying and they told me the annual fee of {$990.00} would also be waived. Soon after my card arrived, Barclay sent a letter in the mail stating I would receive the 0 % APR in my billing statement ending XXXX. The letter stated they may end the introductory APR and the penalty APR if I make a late payment ( which I 've never done ). XX/XX/XXXX I received a letter stating they were going to charge my card {$990.00} for the year and my 0 % APR ends when I 'm no longer on XXXX. Barclay customer service has been great and their concierge service is second-to-none. It 's upsetting I have a letter in writing stating I would receive these benefits until XXXX and now are changing the terms. The offer they provided caused me to stop using my other cards and only using the Barclay Gold Card. I did n't expect them to execute a " bait-and-switch '' due to their professionalism which I 've experienced over the last year.
Product: Debt collection

I received a communication that around XX/XX/XXXX from Client Services Inc that they were trying to collect a debt that the principal owes. I responded on XX/XX/XXXX via mail certified mail # XXXX. They responded with no purchase agreement and chain of assignments etc. They sent statements from " original creditor ''. I need them to stop these tactics. This appears to be willful non-compliance. I will upload my letter
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I contacted Transunion via telephone ( due to the fact that according to their online website a consumer isnt allowed to dispute inquiries. ) I spoke with XXXX whom stated that he works with the fraud department at transition. I explained that as per FCRA violation 15 USC 1681c-2. Theres currently XXXX fraudulent hard inquiries on my transunion credit report and Im requesting to have them immediately removed.
Product: Debt collection

I am making a dispute against TD BANK USA/TARGET CREDI in a response to a listing on my credit reports. Be advised this is not a refusal to pay, but a notice sent in pursuant to the Fair Credit Collection Practices ACT, 15 USC 1692G SEC.809 ( 8 ), stating your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to XXXX. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that your offices have reported invalidated information to my credit reports. This action constitutes fraud under both Federal and State Laws. Also, the stature of limitation is up on this debt and is no longer collectible
Product: Payday loan, title loan, or personal loan

I have has several issues at  two  different locations, even with corporate. So the first location  XXXX  tried to add on several options to my loan without my permission, told me I had to borrow more than I asked for to get approved. I asked for  XXXX  they said I had to pay off all debt on credit report around {$10000.00}. So i asked for  XXXX  they said I had to borrow {$10000.00} to get approved. I said that is too much, they got it down to {$6000.00}. Also told me I had to do automatic payments, pay fees, and interest was not disclosed. They also did not tell me about all payment options to me. I called corporate asked to be transferred to another office. They sent me to  XXXX . This location also had undisclosed fees, and tried to add on optional items to my loan. They also had undisclosed fees, and did not give me correct information.They were to pay off current loan, and refinance me. However, it was not the correct pay off amount. What they paid off was higher than the original loan, even after I made a payment of {$190.00}, and had the loan for less than  one  month. I called the manager, sent emails and even called corporate no one has returned my call. I was speaking to someone name  XXXX  from corporate out of South Carolina, she was suppose to help with the incorrect pay off amount. Stated she would research, and get back to me. It has now been  three  weeks no response after several calls, and messages to her. So she is now avoiding me, and none of them are taking responsibility. Although they were legally, morally, and ethically wrong. Furthermore, my husband and I wanted to get a loan or I would co-sign for him. We received a declination letter stating they could not verify our income, it was a lie. We had all pay stubs. They also said debt to income ratio, it was a lie. They improved me for an additional loan of {$3700.00} my take home is {$2500.00}. My husband, and I only wanted {$1500.00} and our combined take home is {$5000.00}. So they have unethical sales practices, they want you to borrow more than you need. They claim it is to reduce debt when in reality your payments go up with their loan. They pay off lower rate loans, for their higher rate loan. Therefore, no benefit for the customer, and nothing is done in the best interest of the consumer. The dates all range from   XX/2017   - XX/2017
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Vehicle loan or lease

I am a loyal customer of Bank of America and have an outstanding credit history with them, which continues to this day. In 2017 my children and I were in a car accident which created a total loss on the vehicle I was financing through Bank of America. As a somewhat educated consumer I still was not clear on the settlement protocols between insurance, myself and the lender. I believed the payment from the insurance company would count as my XX/XX/2017 payment. This turned out to not be the case and I was notified that my payment was 30 days past due. I immediately paid the outstanding balance. This 30 day late payment was reported to the credit reporting agencies and has been impacting my credit ever since. I understand the bank has procedures to follow but I feel this was an extenuating circumstance where we were dealing with a catastrophic event in our lives and no empathy or effort was made by the lender to explain the situation and reasonably resolve it. I understand if I had a history of delinquency that this should not be up for debate but my on time payments with this lender alone should demonstrate it was an anomaly.
Product: Credit reporting, credit repair services, or other personal consumer reports

all  XXXX  bureaus fail to remove  XXXX   XXXX  from  XXXX  years ago!   no replies no response numerous request to investigate with no action taken
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX # XXXX LICENSE PLATE # XXXX ( TX ) XXXX XXXX ACCOUNT NUMBER # XXXX XXXX  ACCOUNT NUMBER # XXXX XXXX XXXX # XXXX XXXX  # XXXX STATEMENT XXXX XXXX XXXX XXXX U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681C. ( a ) 5 Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive had a credit card with XXXX XXXX XXXXXXXX XXXX for more than 15 years and Ive never been delinquent. To avoid delinquency I schedule auto pay to ensure payments are successful and timely. 

A few years ago, I discovered a 30+ day delinquent notation on my account and I called XXXX . I was unaware that my autopay stopped. I didnt receive calls or information in the mail to avoid the situation. I asked if this could be waived and they told me they would remove the fee and negative comments. 

Its been almost 5 years and they havent removed the negative information. I have sent multiple emails and called to have the delinquent comments removed. This situation has affected how my family and I operate especially during the pandemic as I am trying to help my extended family in other ways. The delinquent information has really impacted my future financial transactions. Please remove the delinquency status from all three credit bureaus and the bank.
Product: Credit card or prepaid card

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The particular account position ( WELLS FARGO CARD SER Opened : XX/XX/2016 ) ; that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that the status of the following accounts on my credit reports has been brought to my attention. The accounts are reporting inaccurate information and are not mine. This is not in compliance with the FCRA. 

XXXX XXXX - This account is not accurate as I never authorized this account. 
XXXX XXXX XXXX XXXX - This account is not accurate as I never authorized this account. 
XXXX XXXX XXXX XXXX - This account is not accurate as I never authorized this account.. 
XXXX XXXX - This account is not accurate as I never authorized this account
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX XXXX Re : Dispute of Reinserted Account Request for Immediate Removal Dear Experian, I am writing to dispute the reinsertion of a negative account on my credit report, which had previously been removed. The account in question is XXXX XXXX XXXX XXXX XXXX. The account was removed from my credit report XX/XX/year> as confirmed by your bureau. However, I have recently discovered that this account has been reinserted into my credit report without my consent. I have proof of the account 's previous removal, including a letter from your bureau confirming the account was deleted '' or " a prior credit report showing the account was not listed ''. Furthermore, I did not receive the required notification at least 5 days before this account was reinserted, as mandated by 15 USC 1681i. This lack of proper notification is a violation of the Fair Credit Reporting Act ( FCRA ). Given these circumstances, I request the immediate removal of this account from my credit report. Enclosed with this letter are copies of the proof of removal and any other relevant documentation supporting my request. 
Please confirm in writing once this account has been removed from my credit report. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

There are collection companies that are trying to buy my debt & make me pay for it, when by law, it's illegal for collection companies to force you to pay for an older account they bought & have been written off or charged off. I have been going through a lot with identity theft but nothing has been done. I have spoken to the credit card companies to stop all fees from accumulating & maybe have them reversed & /or we could work something out, but they all refused because they said they need me to pay my debts in full, when it's impossible for someone like me to do anything to pay off any credit cards. They also threatened with getting my wages garnished to pay off a debt that they charged off with their taxes. I am the only bread winner in the family, and I pay for {$1800.00} in rent, food & utilities are around $ XXXX {$500.00} & I only bring home {$3500.00}. I am enrolled in a debt settlement program which I pay {$340.00} a month. They haven't done anything & I'm stressed with the entire ordeal.
Product: Prepaid card

OnXX/XX/2024 at XXXX XXXX, the drive through XXXX ATM I requested {$300.00} gave a red ERROR flash and said transaction was reversed, contact your financial institution. I drove through again and got {$300.00} with a receipt, no problem, and drove around again and withdrew {$60.00} with a receipt. I did a disputed transaction later that day. I did receive a provisional credit of {$300.00} around two weeks, then it was taken out of my account because XXXX said I got the {$300.00}. I walked in XXXX and asked about a video footage. I was told no, contact my bank. D.E. now says the claim is closed and they mailed me a letter XX/XX/2024 to explain, which I haven't received. I verified my new address and asked them to send the letter again and an email also, which I'm still waiting on.
Product: Student loan

I went to XXXX in the year of XXXX. XXXX was scamming and stealing money, and also charging students for meals, transportation, and room and board. When I was staying in my own home, had my own car, and brought my own food to school. I have paperwork to prove so. The school made me take out loans called XXXX. All of the XXXX students in my class XXXX loans were forgiven, however XXXX sold my loans to a company called ( UAS ) University Accounting Service , LLC . and I have been going round and round with these people for 1 year and a half on these loans, and they wo n't forgive my loans like they did the other XXXX students from my class. I have asked them why, one time they tell me because they had different loans, I know better than that because the nurses have showed me their paperwork, and we had the same loans, same program, and was in classes at the same time.
Product: Bank account or service

I was charged hundreds in overdraft fees. The order in which the transactions would go through were manipulated in a way to where I would be charged fees when I should n't have been.
Product: Checking or savings account

Chime locked my account due to suspicious activity they told me to take a picture with my id and provide my ssn and XXXX  and I did but my account hasnt been restored
Product: Credit reporting or other personal consumer reports

I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX XXXX, CA, XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX XXXX, NV, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX
Product: Credit reporting

My account with XXXX was tied to the filing date of my ex-wifes bankruptcy. I disputed the date which was updated however they also changed the date of first delinquency ( re-aged ) from XXXX to XXXX in the process. I spoke with XXXX who confirmed that the date was updated incorrectly and they agreed to put through the correction. After the correction did not post I called Equifax who confirmed that the account was re-aged but the correction was not showing. I then contacted XXXX again and worked with them for several hours including a joint conference call with XXXX and XXXX XXXX XXXX Customer Service department which still did not fix the issue. XXXX confirmed that all the information in their system reflects the XXXX date of first delinquency but it is not updating on my credit report. I was then advised to dispute the account again which i did and XXXX responded by saying the information in their system is correct ( XXXX ) but still lists XXXX on my credit report. At this point XXXX is saying there is nothing else they can do and Equifax 's only suggestion is to keep disputing the account. As the 7 year period on this account has passed and the account has already fallen off of XXXX and XXXX, I want the account removed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, OH XXXX Phone : XXXX Email : XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Request for Removal of Fraudulent Late Payment Due to Identity Theft Please Remove Late Payment Account XXXX XXXX Account Number : XXXX Date of late payment : XX/XX/XXXX Account opened : XX/XX/XXXX Dear, Transunion I am writing to formally dispute a late payment that has been inaccurately reported on my credit file due to identity theft. The late payment in question is associated with the account [ XXXX ] and occurred on [ XX/XX/XXXX ]. 

I did not authorize the use of my personal information for this account, and I have taken steps to report this identity theft to the necessary authorities. Enclosed, you will find a copy of my police report, FTC Identity Theft Report, and any other documentation to support my claim of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate deletion of this fraudulent late payment from my credit report. This late payment has negatively impacted my credit, and I trust that your investigation will confirm that this was not a transaction I made or authorized. According to 15USC CODE 1681 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ).

Please confirm in writing that this item has been removed from my credit report. Should you require any further information, feel free to contact me at the phone number or email provided above. 

Thank you for your time and prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

Discover financial services has infringed upon my right to privacy as a consumer, and they have violated the following laws under USC 1692 : 1. USC 1692b. ( 2 ) 2. 1692b. ( 5 ) 3. 1692c. ( 3 ) 4.1692d. ( 2 ) 5. 1692c. ( 1 ) Now before you allege that you're not a debt collector please be advised that you are. Pursuant to USC 1692a : ( 6 ) The term debt collector means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause ( F ) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. For the purpose of section 1692f ( 6 ) of this title, such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests. The term does not include
Product: Checking or savings account

In response to the case XXXX, my question was not addressed at all. I received the remaining balance a day after I filed the complaint. I was not questioning why the bank holds my fund, I had the deposit agreement and I totally understand. I did all I can to accompany the bank 's request ( went to branch 1st even it's not necessary, went to the branch with POA 2nd time.

1. 1st representative misled me to go to the branch during the pandemic even the POA can be verified over the phone first. 

2. After I went to the branch with the POA. I made a follow-up call, the representative repeatedly told me I need to go to the branch with the POA again and again, even though I told her so many times I already did. Then the supervisor said the banker at Chase didn't call them but I was personally there seeing the banker make the phone call and scan the documents.
Product: Checking or savings account

Hi, my account was overdraft for absolutely no reason. The funds were there to cover the transactions but my account was still overdrawn. This happened to me twice. With my card being put into the negative state, I was short with my checks and everything else I had to pay. This was very inconvenient for me.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : 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 XXXXXX/XX/XXXX
Product: Credit card

I used Capital Ones freeze your price feature to lock in the price of four flights for XXXX  hours. I used XXXX points to freeze the price, the equivalent of {$36.00}. Less than XXXX hours later, I tried to book the flights at the price I locked in, and the system said sorry, but your flights have increased by {$260.00} and would not let me book the flights that I paid to freeze/hold the price. 

I called Capital One and requested a refund of the points I used and they said it was non-refundable and refused to refund the points that I used to freeze the flight prices. This is the equivalent of Capital One stealing points from me and refusing to make me whole when their freeze your price feature did not work.
Product: Credit reporting or other personal consumer reports

After seeing 2 medical  collection on my credit I noticed the date it said I opened the account was XX/XX/year>. TransUnions credit report. I did a dispute with TransUnion snaking to valedate the contract I wanted to see my signature on the contract that I agreed to pay this medical  bill. Why would I Im a XXXX veteran with free healthcare why in the world would I say no I would rather pay its ridiculous. I told TransUnion in dispute the date was opened when I was XXXX  months old 50 years ago to delete off my reports due to fair credit all information must be correct. They didnt remove it. They updated it. Both collections should have the same dates but they still dont. Now they are brand new not XXXX years old. Its obvious TransUnion was on the side of the collection agency. I was under the impression that it had to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax and let them know the account for XXXX XXXX. This is a FRAUD account and does not belong to me. I have never received anything from this company. Please delete and block this account from my credit and delete the following inquires XXXX XXXX, XXXX XXXX. 
Thank you