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

I am enrolled in a Barclay 's Credit Card promotional program called " Flight Cents '' under which all of my credit card purchases are rounded up to the next whole dollar and for the extra cost I earn travel miles with XXXX XXXX XXXX program. There is a business relationship between Barclays and XXXX XXXX XXXX XXXX XXXX XXXX. 

Every month I pay Barclays to be in the Flight Cents program. Since I enrolled, there have been several months where I am charged to be in the Flight Cents program but I don't get the miles I am supposed to get. I have to call Barclays and file a complaint to get it resolved. 

On my statement dated XX/XX/2022, I was charged {$27.00} for Flight Cents, but I did not get any miles. I should have received over XXXX miles. 

On XX/XX/2022, I filed a complaint about this issue with Barclays. My complaint number is XXXX. I have called several times about the status of the complaint and resolution and there is never any progress and nobody can give me a status update. At first they said it could take up to 30 days to resolved and now the representatives are telling me that it could take 60-90 days to resolve. 

I have been charged and have paid for a benefit that I have not received. If this is happening to me then I assume it is happening to other Barclays customers. Barclays is making a lot of money by fraudulently ripping off its customers. XXXX XXXX XXXX also be profiting off of the fraudulent charges.
Product: Credit reporting or other personal consumer reports

Down below i will list some inquiries that appear on my credit report in Transunion. This information is inaccurate and misleading and shouldn't appear on my report. 

XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureau and TransUnion are reporting accounts that are not mine and inaccurate information in my credit file. I have disputed and provided documents to prove the information is is not mine or inaccurate but they have refused to delete the information. According to FCRA they are only suppose to report accurate and correct information. I have requested that they provide me proof that a account is mine but they have refused. Their response is the creditor verified the account to be accurate. I requested to see the original signed contract or document bearing my signature for such account but no proof have been provided to me. Also my name and address is incorrect. I provided documentation to them to delete and correct this information but they refused and added the new information I provided but left the wrong and inaccurate information in my credit file. I only have one name and one address and one date of birth. I have no aliases.The account that I provided proof that they are not mine are as follows TransUnion Reports the following accounts that are not mine and proof supporting that was provided XXXX XXXX # XXXX XXXX  XXXX  # XXXX XXXX XXXX # XXXX XXXX  # XXXX. 
I would like to add that my personal information and crefit file was among those affected by the data breach in 2017. Also I want to note prior to that I was a victim of identity fraud in which I had to meet with an FBI agent to sign documents surrounding that case. At that time I submitted this information to all three credit bureaus
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I received a payment through my PayPal business account in the amount of {$2500.00} Not only have I still not received my money due to a " hold '' on my account, my money PayPal won't release to me, PayPal has also charged me a fee of {$160.00}. Im sorry but PayPal I'm over being used and robbed from use I pray the credit bureau can put a stop to this! 
Thank You for your time, XXXX XXXX PayPal account info user name : XXXX invoice XXXX payment of {$2500.00} from XXXX XXXX XXXX email : XXXX card ending XXXX
Product: Credit reporting or other personal consumer reports

I was really disappointed to discover unauthorized inquiries on my credit report this afternoon. Despite refreshing my browser, they remained, and I have no idea why they suddenly appeared. I'm frustrated and just want my submitted documents to be reviewed thoroughly so this issue can be resolved once and for all.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS THE SECOND REQUEST TO REMOVE inquires on my report that I did not authorize. Please REMOVE/DELETE these inquiries IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am formally disputing the following late payment entries on my credit report : XXXX XXXX XXXX XX/XX/year> {$440.00} These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please add the following remark ( s ) to my XXXX XXXX XXXX Home Equity Line of Credit Account : " Never Late/Pays as Agreed '' _____________________________________________________________________ Please add the following employment information to my credit report/file : Name of Employer : XXXX Date of Hire : XX/XX/XXXX Title : XXXX XXXX Pay Rate : {$27.00} Per Hour _____________________________________________________________________ Please add the following statement to my credit report/file : " With regards to my XXXX XXXX XXXX - Home Equity Line of Credit ( HELOC ) that is being reported as " past due '' and/or " delinquent '', the creditor ( XXXX XXXX XXXX ) has not mailed me billing statements since XX/XX/XXXX. The creditor is refusing to provide me online access to view my billing statements. The creditor is unwilling to provide me with instructions on an amount to pay and how/where to pay it. I have mailed the creditor a typed statement each month, since XX/XX/XXXX, notifying them that I have not received my billing statement for that month and that a billing error has occurred for that month and every month since XX/XX/XXXX. I may file suit against the creditor because the creditor is unwilling to allow me to pay off the balance and because the creditor is reporting inaccurate negative information. I am a responsible consumer and I have never been late on my mortgage or any other account. '' _____________________________________________________________________ Please only report my name as " XXXX XXXX '' ( after marriage ) and " XXXX XXXX '' ( before marriage ). Any other variations such as " XXXX XXXX XXXX '' should be removed as I do not have a middle name and I do not go by any other name. Thank you in advance.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill 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 consumer of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed account, as Experian 's inaction violates federal law and my rights as a consumerm
Product: Credit reporting or other personal consumer reports

Please update the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to paid as agreed. I have filled a 1099c for each one of these accounts and they are discharged, therefore the account is satisfied. I would also like to inform you that I have sent a letter to each one of these companies opting out of any and all authorization I, the consumer may have given them written, unwritten, verbal, or nonverbal per 15 USC 6801 and 12 CFR 226.15. These are laws that they legally have to abide by or they could face civil penalties. These companies have already violated me by sharing my nonpersonal information with credit agencies because per 15 USC 6802 ( b ) ( c ), a financial institution may not disclose personal information to a nonaffiliated third part unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I was never made aware with a clear and conspicuous notice of my right to exercise that nondisclosure option. Please send me any proof that they sent me a clear and conspicuous notice of my right to exercise that nondisclosure option. If not please update these accounts to paid as agreed. Also, I would like to remove account XXXX XXXXXXXX because this account is only reporting on my XXXX and my Transunion credit report. It has been removed from my XXXX account. This is a violation of the Fair Credit Reporting Act because the accuracy of my report is not being taken seriously or treated fairly. The Financial company associated with this account number also violated me by not sending me a clear and conspicuous notice of my right to exercise their nondisclosure option per 15 USC 6802 ( b ) ( c ). Please remove this account from my XXXX and Transunion credit reports. This debt associated with this account # XXXX, was never properly verified as belonging to me. To verify please send the following documents : 1. validation of the debt through your accounting records per UCC 3-505 according to GAAP ( Generally Accepted Accounting Principles ).

2. A copy of the original contract with verified signatures binding both parties per UCC 3-505.

3. All Payment History 4. All charges with my signature or digital signature
Product: Student loan

I requested for a loan deferment on XX/XX/ with Nelnet, my student loan servicer. I received an automated response that it takes 7-10 business days to process once the required documents have been received. I sent them my enrollment verification the first week of XXXX and I have yet to have a status update. I have called and been placed on hold for over an hour and had to hang up because I need to work. I have emailed them and asked to have someone call me at least twice and I have yet to hear anything back. My loans are now past due when I should not have a payment while I am in school. 

There contact information - XXXX : XXXX Nelnet XXXX XXXX XXXX XXXX, XXXX XXXX Fax : XXXX
Product: Credit reporting or other personal consumer reports

The debt collector has not report payment to this account and it is lowering my credit. 
I would like the accurate information reported on my credit report immediately. 
National Credit Adjusters XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Account Number : XXXX Creditor : XXXX XXXX No : XXXX
Product: Bank account or service

I am XXXX yr old widow with XXXX XXXX. In XXXX XXXX when my husband died, I no longer had anyone to be a Rep Payee on my SSA account. I became my own person in charge again. I opened account for my SSA monthly direct deposit at Wells Fargo -- just for ATM to pay groceries, credit card with XXXX because I pay off balance at end of month, mobile phone, electric, and internet & misc. I have to file annual expense for SSA of how I spend the benefits. Wells Fargo manager told me I had to have savings and credit card and direct deposit to have free checking. She lied. I only need {$500.00} + direct deposit per month. After they deducted {$30.00} from savings, I closed it. I have never used Visa card. XXXX XXXX, my identity was compromised. This is 2nd time. I alerted FTC and credit bureaus. XX/XX/XXXX I got my XXXX digit code to over ride the lock on my personal assets. It is good for 6 months, not the normal 90 days because of my XXXX and extent of theft. Wells Fargo has stopped sending me paper statements XX/XX/XXXX. I had to add it as an option ever month online tyhey told me but I never got them at PO Box . I get promotions there and services they offer, but no statements. I get ATM cards, but no statements. I had alerts on my phone but they stopped because they said my password expired. I went to branch ( I do n't drive ) and they said since I did n't have ATM, they could n't help me. It was an online issue. I used my ATM on XX/XX/XXXX, for less than {$20.00} ( I have over {$2000.00} in account ), the cashier approved and took my card. I kept receipt. I called Wells Fargo and they said it was reported it stolen. Who the heck reported it stolen? They stopped a payment to my internet provider and I paid it from credit union account. They sent me notice I had payment due on credit card. I have never used I. I called them at local branch and the teller laughed. I told her I did n't think it was funny since I was ID theft victim and they were n't helping by not sending statements. She said she was laughing at a joke. I said well it 's not professional when you are on phone especially when I am locked out of my account, have my ATM taken from me, and you send me emails that I have no access to my account or alerts. Then 5 minutes later send email saying my statement is ready for online viewing? I called SSA and changed firect deposit to my credit union. They have been very helpful with alerts, changes to online accounts & emails due to hacking from ID theft. I have made XXXX trip in person to redo everything on my account with them. Wells Fargo says they cant do online problems or update account info. Their credit card is NOT listed on my credit report either which I never addressed with them but I ' am intimidated by a FDIC bank that HAS my money stops payments at random, never contacts me and changes passwords & deletes personal info and options LIKE PAPER STATMENTS. Please help.
Product: Credit reporting

I report fraud and there was negative items in my credit report, XXXX and XXXX delete most of these items but Experian never delete any of these items and not allowing me to disputing it any more.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to ( Professional Finance Co ) for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you Immediately cease any credit bureau reporting until debt has been validated by me.

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request.

Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant will be a violation of the FDCPA because you will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt.

Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent.

I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by mail, Best Regards,
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX : {$12000.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Debt collection

I moved from the XXXX on XXXX XXXX on XXXX XXXX, XXXX. 
The XXXX management is attempting to extort me after keeping my {$150.00} deposit. Now XXXX is wanting an additional {$120.00}. 
They are claiming that I left drywall damage, which is not true, the building I lived in ( XXXX ) foundation was repaired XX/XX/XXXX, this is what cracked the sheet rock. 
They also claim door and counter top repairs. The apartment was broken into before I moved in, the repair that maintenance made to the door was sub par and done incorrectly. I noted this on the move in check sheet XX/XX/XXXX along with the counter problems.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with a collection and inquiries I did not authorize
Product: Credit reporting or other personal consumer reports

Identity Guard sent me an email stating my SSN was found on the dark web.I immediately froze my credit with XXXX and XXXX through their respective web sites within 5 minutes. I tried the same with Equifax but their web site won't process the information. I tried their automated phone system, but it won't allow me to freeze my credit either. I called their customer support twice and was told both times I would have to send them a copy of my ID and SSN card via XXXX to verify my identity because I can't activate the code they sent to my XXXX. I was told this is the law, albeit this verification process was not used with XXXX or XXXX. Nor did Equifax require this documentation of my wife, who was able to freeze her credit on her second attempt via a phone call. So my wife has successfully frozen her credit with Equifax where I'm being treated as a " special case '' apparently. The question comes to mind, is this special treatment I'm receiving because someone has been trying to use my credit score through Equifax? None of their agents have said anything to me about it, and so, if this is the case, all the more this company is lacking in any credibility. Why, if I'm suspicious, would I want to freeze an account? This has been going on for 2 weeks.
Product: Debt collection

Ive been trying to arrange a payment plan but that dont want, that want the payment in full And want this removed from my credit, right Im out of work because Im XXXX and I cant pay the all amount
Product: Mortgage

Loan was originated with XXXXXXXX XXXX XX/XX/2020, and serviced by XXXX XXXX XXXX. We were notified the loan servicing would be transferred to XXXX XXXX effective XX/XX/2020. The payment was sent using XXXX  XXXX XXXX XXXX XXXX XXXX service XX/XX/2020 for a XX/XX/2020 arrival date. As of XX/XX/2020 they XXXX customer service claims to not have received the payment and have assessed a fee. I reached out to XXXX  and was given all the information, Conf #, date mailed, address ( confirmed with XXXX ), dollar amount and loan account #. All this information was provided to XXXX through their email resolution team. I followed up this morning and was told a copy of check front and back would be required to perform research, however if a check has not been negotiated, I can not provide copy front and back.
Product: Credit reporting or other personal consumer reports

I am writing to request an investigation into potential fraudulent activity on my credit report. After reviewing my credit report, I noticed inquiries that I do not recognize and believe to be fraudulent. See below : TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX # XXXX, 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted theses accounts that are not mine to each of the credit bureaus. I have not been able to resolve this concern at this point. My information was used without my knowledge to open these accounts. I need this matter resolved as timely as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the last year I have been dealing with an unauthorized inquiry from XXXX XXXX. Reporting an unauthorized inquiry. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house hold purposes. The inaccurate reporting have damaged my livelihood. 

I contacted XXXX, who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. They admitted on there recorded phone line that I XXXX XXXX never had a application nor an account with XXXX XXXX XXXX. 

I also contacted XXXX, EQUIFAX, and XXXX. Which each company placed blame on the other and advised me to call the CREDITOR and call the CREDIT BUREAU. Call the CREDIT BUREAU call the CREDITOR. It became very immature and aggravating. I was not able to get any sufficient answers nor any resolution. 

Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation.

According to 15 U.S. Code 1681s2, XXXX XXXX has a duty to provide accurate information to the consumer reporting agencies. It is prohibited by law to 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.