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

We ( my wife XXXX and I ) are asking for assistance in resolving XXXX fraudulent charges on our Barclays Bank " Jet Blue Master Card '' credit card account totaling {$9700.00} which we reported as fraudulent, but the bank claims they are all valid and is holding us responsible for them. We deny and have consistently denied that any of these purchases were made by anyone on our account. 

On XX/XX/1921 and XX/XX/XXXX we received calls from Barclays Fraud Investigation Unit regarding suspicious activity on our account. I identified several purchases made at XXXX XXXX stores as not made by anyone on the account. At that time the Bank agreed to dismiss those charges. 

On XX/XX/XXXX the two cards with fraudulent activity were cancelled, and new cards issued ( with new account numbers ) to both my wife and myself. The new cards were received and activated on XX/XX/XXXX. 

On XX/XX/XXXX, we received an email from Barclays alerting us to the fact that our credit line was approaching its limit of {$21000.00}. When we followed up with a call to Barclays, we discovered the appearance of the 38 fraudulent charges described above. We denied these charges but were told by the Bank that they had been investigated they determined that they were all valid. We attempted to resolve the issues on the phone several times, to no avail. 

We have reported the issue to our local Police Precinct, and are awaiting a copy of their report. In the meantime we were advised by the Bank to compose a writeup explaining why the charges were fraudulent, which I completed and faxed to the Bank on XX/XX/XXXX. 

At this time, the Bank has refused to take the charges off our account, and since they exceed {$9500.00}, I had to switch automatic payments from " Pay In Full Each Month, '' to " Pay Minimum Balance Each Month, '' until this issue gets resolved. To the best of our knowlege, no final decision has been made by the Bank on this problem.
Product: Student loan

I have been making regular monthly payments on an account I co-signed for on behalf of my daughter for the past five years. Private loan was with XXXX even though I always made payments to AES. I was given an account number and have used this same account number to pay on this loan. In XXXX of 2015, there was a transition between XXXX and AES and AES took over the full servicing of these loans. I continued making monthly payments as usual. My daughter also had another student loan with a different co signer. When this transition took place in XXXX, the payments that I was making were being applied to her other account and a portion was being applied to the account I was paying on. However, it appeared neither XXXX of us was making the full payment on either loan. AES reported late/missed payments to the credit companies which has severely affected my credit and that of my daughter 's. I provided proof of payment to them on the loan I co-signed for and have been making regular payments on for several years. AES said they switched account numbers and I was using the wrong account number. I was never informed they changed my account number. My daughter was not informed either. They claim they can not fix this. I have my house up for sale and want to purchase another home and because of their administration of their handling of these loans, I may not be able to get a new home loan. The customer service staff at AES will not help and if you talk to a different person, each time you get a different story. They are affecting the lives of people and have been rude and do not seem to care about their mistake. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a private student loan issued by Bank of America opened in 2006 on my credit report. I tried to contact the creditor and the number is not in service and there is no other numbers. The website I used to pay for the loan does not exist anymore which was student.bankofamerica.com. I have disputed the matter with the credit bureaus due to the fact the account is old and does not exist anymore. Yet, it is reported that it is current and past due for more than 120 days every month in all three credit bureaus. In Pennsylvania, the statute of limitations on private students loan is 4 years and it 's have passed the 4 years.
Product: Debt collection

I am requesting that CFPB take Amazon Synchrony off of all of my credit reports ( except for my proof showing payment to Synchrony ) because they are illegally charging me XXXX XXXXXXXX for a payment I already made back in XX/XX/2022 in the amount of {$39.00}, and I had already canceled this account right after. 
I need all credit reports to stop this company from collecting/charging me fees and interest charges for this account which I already canceled almost the same day I purchased my grandson 's books. Amazon/Synchrony continues to add late fees, finance charges, and {$40.00} every month to my account. 
I have submitted my copy of my statement that proves that I have made the one payment charged to this account ending in # XXXX, but Amazon / Synchrony refuses to accept it so that they can continue to charge me $ XXXX. They also refused to cancel my account stating, " we do not consider it closed. '' I'm tired of them and they are ruining my credit. PLEASE SEE THE COPY OF STATEMENT BELOW : ( If you notice it is in the same order on Amazon showing order details, order # and what account paid for it ending in # XXXX. Had it not been paid in full Amazon/Synchrony would not have sent my grandsons books. They will not send you your products without full payment. THE ACCOUNT WAS ORIGINALLY {$39.00} and WAS ALREADY PAID IN FULL. I THEN CANCELED IT AFTERWARDS. They will not stop charging me. Please Help! 
Order Details Ordered on XX/XX/2022 Order # XXXX View or Print invoice Shipping Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX United States Payment Method Amazon.com Store Card **** XXXX Order Summary Item ( s ) Subtotal : {$36.00} Shipping & Handling : {$8.00} Free Shipping : - {$8.00} Total before tax : {$36.00} Estimated tax to be collected : {$2.00} Grand Total : {$39.00} Transactions XXXX XXXX XXXXXXXX XXXX, XX/XX/XXXX, XXXX PM ( 7 days ago ) to Synchrony, Amazon
Product: Debt or credit management

In XX/XX/year> I bought a XXXX XXXX  from XXXX. After about 3 weeks I reach out to them because nothing was on my credit. As I write this today nothing is on my credit. After communicating back and forth they told me they would give me an extra XXXX  and 60 days free without charging me. But they still keep trying to charge my card and still havent posted the tradeline on my credit. They even did the 2 people I referred to them the same way. This company is a fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Although I appreciate you spending the effort to FIX some of the data on my credit report, there are still several accounts that require UPDATING. These accounts must be verified by the XXXX credit bureaus in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I wish these disputed accounts could be updated or repaired immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

I was looking through my credit report and noticed that these accounts are not accurate. They violate USC 1581 s-2. I have attached a copy of my credit report showing the inaccuracies and violations. 


" XXXX XXXX XXXX ; XXXX XXXX XXXX ; " XXXX XXXX XXXX XXXX ; XXXXXXXX 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 XXXXXXXX ; are not complete and accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

i went online and call all three major credit bureaus ( XXXX XXXX and Transunion ) about multiple inquiries on my account that i did not authorize. They refuse to look into or remove these inquiries alot of these were made i believe when i purchased a new car and did not give authorization to pull my credit multiple times. Also XXXX refuses to remove an account that is in litigation due to fraudulent charges and damage to personal property with XXXX XXXX systems.
Product: Debt collection

CASHNET USA has obtained a third party debt collector XXXX XXXX XXXX who has been leaving text messages with my ex wife demanding payments to the third party debt collector who is stating over the phone a garnishment has been approved by a Judge and garnishment proceedings will commence soon, this is highly illegal behavior against the FDCPA and carries a $ XXXX/occurrence. Cease and desist has been requested from both parties. Only send correspondence by mail, these violations that have occurred carry monetary damages that need to be paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

This issue s regarding FICO! The XXXX XXXX XXXX is reporting a lower credit scores than deserved for my credit criteria. Advantage credit scores are normally lower than FICO. FICO is reporting lower scores that the Advantage system. I addressed problems with them directly for all three credit bureaus Transunion, XXXX, XXXX  XXXX. I have zero late payments on my account history. I have only XXXX collection account on each bureau which needs to be removed and corrected. I have hired XXXX attorneys, XXXX Credit repair companies, send documentation and contacted you several times about my credit profile reporting wrong info and lower credit scores because of this. I was so upset I called them a credit XXXX. Because of the blatant disrespectfulness in ignoring the attorneys, lying to the CFPB, and utter disregard for timely handling the account with great digression within 30 days allowed based of the Fair Credit Reporting act. They refusal to be cooperative with removing and correcting errors and no disregard for how there actions have impacted me personally. I want this infringement corrected immediately.
Product: Credit reporting or other personal consumer reports

This is regarding my initial complaints about identity theft and inaccurate reporting. Here are my previous complaint IDs : ID FOR COMPLAINT SENT TO XXXX ID FOR COMPLAINT SENT TO XXXX ID FOR COMPLAINT SENT TO XXXX. 

I had been a victim of identity theft and saw numerous negative accounts reporting on my profile that were not mine. I am grateful to XXXX for dealing with the situation real fast. So, my concern is XXXX and Experian. I called them several times but they told me each time to resend my FTC letter and submit new disputes because they can't validate my reports which took so much of my time and money. 

Please help me delete these fraud accounts from my report : 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 

The late payments on these accounts are also not mine. Please update my reports to paid on time or never late. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I was emailed in XXXX that my forbearance was coming to an end, I called Loan Care, explained my situation and they suggested an extension.

The service member put the request in for me for an extension, and said I Should have a decision within 3-7 business days. I never received a decision. What I got was notification that now I am in Foreclosure! 
Why? How did this happen??
Product: Debt collection

Dear, Consumer Financial Protection Bureau I am writing to dispute the following information on a lien judgment. I recently discovered this while trying to refinance my house. The below debt was previously discharged by my bankruptcy. 
The case number was XXXX. Discharge date XX/XX/17. By order of the United States Bankruptcy Court : XXXX District of XXXX, by the honorable Judge : XXXX XXXX XXXX Dispute 1 Account Number or other information to identify account : Citibank Credit Card account number is XXXX. Mailing address was XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Amount of claim was {$25000.00}. 

Debt sold by Citibank, to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX. Phone : XXXX. Acct. number XXXX This creditor XXXX XXXX XXXX is now pursuing me, reporting bad debt and refusing to release Lien judgment.

Debt was included in Bankruptcy that was Granted and Order Discharged by the United States Bankruptcy Court of XXXX XXXX on XX/XX/2017 Please review this and help me reach a favorable resolution. Your help is greatly appreciated. 

I have attached a copy of my bankruptcy papers with the account in question circled. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX XXXX ) XXXX XXXX ( See attached copies 14 pgs. ) Order Of Bankruptcy Chapter XXXX Discharge Lien Judgment Schedule F Creditors List ( Listing XXXX XXXX XXXX ) Trustee Ledger ( Listing XXXX XXXX XXXX ) Notice of Chapter XXXX Trustees Interim Final Report ( Listing XXXX XXXX XXXX ) Creditor Mailing Matrix ( Listing XXXX XXXX XXXX. )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX81-5 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

I used a benefit on my debit card for XXXX XXXX or Satisfaction Guarantee. XXXX XXXX XXXX XXXX instructed me to send in the " salvage item '' in order to complete my claim. I sent them the salvage ( watch straps ) on XX/XX/2023. I also sent XXXX proof of delivery. Since then, XXXX has not acknowledged receipt of the watch straps and continuously sends me reminders to send it in. I have sent them proof of delivery to the address they specified numerous times. I also called their customer support and provided all requested documentation and was assured the issue would be escalated and resolved. That has not happened.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my SOFI BANK - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, XXXX, and Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. 

XXXX : XXXX XXXX  XXXX Balance : {$27000.00} Equifax : XXXX XXXX XXXX Balance : {$27000.00} XXXX : XXXX XXXX XXXXXXXX Balance : {$28000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account XXXX with XXXX XXXX XXXX. Violated my rights to Privacy 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. 166B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : Original Creditor ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX
Product: Student loan

I was unemployed and basically homeless for a period of time. I had not received any notifications of my account being delinquent im sure FED loans records will show returned mail of some sort during the periods of supposed missed or late payments in question. I have been on a forebearance and was on one and renewed as well I should not have any late payments showing on my credit report but instead i do. all my student loans are reporting as 120 days delinquent
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX SSN : XXXX DOB : XX/XX/year> To whom it may concern : I am officially challenging you to review your data on file for me! I am requesting that you remove any and all false accounts from our records immediately! I demand that ONLY factually accurate, verified, and compliant data be documented and included on my credit report from now on! 
Personal Information NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. If you have any listings with differently spelled names, please delete them immediately so the information you have on file for me is accurate. 
CURRENT ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TN XXXX My only address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX TN XXXX. If you have any address listed in your system that do not match my address as its listed here, please delete them immediately so you can make sure the database has accurate information about me. 
Sincerely As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TN XXXX I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception.I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer.If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.