23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I had disputed a XX/XX/XXXX merchant charge with Barclay 's. It was removed XX/XX/XXXX. They then added back the unauthorized charge to my balance XX/XX/XXXX causing my limit of {$4000.00} to soar to over {$7000.00}. They then closed my card without notification or offering me new terms ( Credit Card Act of XX/XX/XXXX ), and have inflated the amount owed with criminal added fees. To compound this insult, Barclays is misreporting every month as late - 30,60,90,120,150 days late. YET every date they reported late - I PAID. They have been ACH drafting monthly payments from my account. How can I be late on a date they are autopaying from my account? Not only are they misreporting ; the entire file is wrong. They show me as late, AND they show the amount I paid. How can I have no balance XX/XX/XXXX, but pay double the amount due in XX/XX/XXXX ( autopay ) and be late? They even drafted from the wrong account several times that caused me enormous overdraft fees. I have had every excuse imaginable to not rectify the situation. I had pristine payment history before they added it XX/XX/XXXX. As of XX/XX/XXXX I am still being marked late. 

I am now in an impossible situation. Their refusal to rectify the situation has caused irreparable damage to my credit and my livelihood. I lost a XXXX real estate deal because I could not qualify for the loan. They are monthly misreporting non payment from XX/XX/XXXX making that XXXX late payments. AND to add insult to injury ; they are reporting the {$7000.00} 'debt ', and have removed it from my total credit limit. The worst case scenario possible. Credit Debt {$14000.00} Total Credit {$7600.00}. They are essentially holding me hostage with a credit usage at XXXX %! I will never be able to have my XXXX score again. It will FOREVER be at XXXX unless I pay them this erroneous amount most of which is interest and fees. They 've updated the credit bureaus as dispute resoled, but as you can see there has been none. Barclays is ruining my life.
Product: Bank account or service

Went to their ATM machine to deposit a check. Machine took my check, then blanked out. When it came back, it went to the main menu. My deposit never reflected in my account. XXXX customer service representatives lied to me saying the money would be deposited into my account while they investigated the ATM. Another said they had never had problems with this ATM ( XXXX, NY ), while the branch manager told me they had all kinds of problems with the transfer of XXXX XXXX accounts ( Key Bank took over XXXX XXXX ). The Key Bank website is lying when they say the ATM in XXXX is open, when it has been shut down, so I was forced to use the XXXX in XXXX. Four days and counting, my money is still not in my account.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax due to their failure to address my dispute of unauthorized inquiries within the legally mandated timeframe. I sent a dated and time-stamped dispute letter on XX/XX/XXXX ( attached ), detailing that certain inquiries on my report were unauthorized and accompanied by an FTC report as evidence. Under U.S. law, these inquiries must be removed promptly. Over 30 days have passed with no acknowledgment or corrective action taken. I, XXXX XXXX, confirm that the following inquiries are unauthorized and are to be removed from my credit report : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I have continued to request for verification and validation of the alleged debt but to no avail. This debt is not mine. I do not owe the amount requested and they continue to switch collection agencies and therefore making it impossible to get the validation. They filed a bogus item on my credit files
Product: Credit reporting, credit repair services, or other personal consumer reports

Please send me The Account Statement fot both accounts. and XXXX to my address XXXXXXXX XXXX XXXX XXXX XXXX  oh XXXX immediately. Thank you.
Product: Payday loan

I am getting collection calls regarding XXXX loans I allegedly took out over 10 years ago. My first issue is that this was approximately 10 years ago and no details as to how I could have XXXX loans ( months apart ) with the same company have not been answered. How if I was in default for XXXX loan, could I take out another at the same branch? My next concern is why we 're he checks that are required to apply, not cashed out? My understanding is loans are paid back by withdrawing the money from the account the check was from. Next, the company was sued for predictory lending practices and barred from offer such loans. I am being threatened with garnishment but can not get any documentation regarding these loans I allegedly took out.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, I attempted to re-finance my XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX, CA. I was doing this so I could get a lower payment amount by starting a new loan even though the APR would increase by about 1.5 %. 

I have made all payments on time. I have made all payments on ALL of my credit cards on time as well since I have re-established my credit. 

Apparently, I 've opened too many charge cards ( 6 ), and my credit score has decreased by over 100 points even though I pay them on time.

So, how is it that the credit bureaus can just keep lowering my credit score just because I am " using '' my established credit? A balance increases on a credit card ; they take points off of my FICO score. I make more than the minimum payment every month, but they do n't increase my credit score for that. I get a new account ; they lower my credit score. I have an inquiry, they lower the credit score. How is it that I get punished for NOT making payments, but I do n't get credit for making my payments timely? 

I 'm XXXX years old, and I rent a town home. I am a veteran, and I qualify for a zero down VA loan. BUT, I ca n't get financed because my score just keeps going down even though I make my payments timely. I need to move my mom in which means needing to move, but the rents here in CA have skyrocketed to ridiculous amounts. I use my cards to help my mom with medicines etc. I 'm being punished for it, and it 's taking a toll on my emotions. 

Do you have any suggestions? 

XXXX XXXX XXXX
Product: Student loan

My initial loan was for {$20000.00} with XXXX XXXX in 2007. As to date I have paid over {$15000.00} back to them and my outstanding loan balance is at {$22000.00}. I have spoke with them about hot to get it paid down and they have sent me statements showing how much goes to loan and how much to interest. there are months that {$0.00} goes to principal and next month only {$20.00} will go. My loan is now through Navient and I have spoke with them many times and I can not get answers as to why so little is to principal and how I have get the loan paid off faster. Based off their plan i will be paying them for the next 20 plus years to pay this off. I have asked about my payment process time and get no answer. I post a payment online and up to 7 days later it will come out of my account and posted to my loan, the entire time this is processing they are compiling interest on it daily. financially it makes since for them to take longer to process but it is screwing me over. Is there anything that can be done or I can do to get away from them?
Product: Credit reporting or other personal consumer reports

I checked out my credit profile and realized there was some hard inquiries that are not mine.
Product: Vehicle loan or lease

I need your help to investigate accounts from these companies that have reported late payments incorrectly. Upon reviewing my credit report, I found some accounts marked with late payments, which should not be the case. No late payment remarks should appear on these accounts.
Product: Credit reporting or other personal consumer reports

I am disputing a late payment with my mortgage company, XXXX XXXX. XXXX XXXX and Equifax are reporting 30 days late for XX/XX/XXXX. During this year, I was getting paid once a month as a contractor, and I would make all my payments before the end of the month. 

For XXXX, I filled out an automatic payment form because I was traveling ; however, I noticed that on XX/XX/XXXX, the payment still needed to be posted to my account. I tried to pay online, but it wouldnt allow me to do so without including past-due late fees. On XX/XX/XXXX, I called immediately when I landed at XXXX XXXX I explained everything to a representative, and she put me on hold, and the call dropped. I called right back and received a voicemail saying the office was closed - I tried three more times and received the same message. 

On XX/XX/XXXX, I called first thing in the morning and was advised they were having phone issues. The representative told me she would take my payment and that it shouldn't be reported late because of their phone issues. However, she suggested that I monitor my credit report for any changes and that my late fee would be refunded. 

I want the late payment to be revered to ok or paid as agreed because the above was not my fault. 

Under : 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

15 U.S. Code 1681a - Definitions ; rules of construction | U.S. Code | US Law | LIl / Legal Information Institute ( cornell.edu ) 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 16815-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Debt collection

I had a charged off credit card with XXXX XXXX Bank that was sent to collections in the amount of {$440.00}. I paid the debt off as of Monday XX/XX/XXXX. I then disputed the collections report on my credit file through XXXX. They completed the dispute in less than a day and have reported that the status of the collections has not changed. This is incorrect as the charges were paid off before the dispute was filed to remove the report from credit file. This file is reporting that my account was charged off again in the month of XXXX when in fact the balance was paid off on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus have refused to investigate and remove these hard inquiries from my credit report.
Product: Credit reporting or other personal consumer reports

I noticed some unauthorized inquires on my report and in accordance with the FCRA I'd would like to have them removed IMMEDIATELY
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment XXXX you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

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 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

i viewed my credit report and seen inaccurate things reporting that did not belong to me i contacted the credit bureaus they informed me that i needed to file a police report i did that and sent the necessary documents in Equifax and XXXX  responded and still did not remove the items however XXXX  did remove the negative items from my credit file im asking help in this situation ive contacted and reached out to the credit bureaus with little to no results. below i am attaching the documents i received from XXXX and the police report i filed
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX  DEPT OF ED/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNT NUMBER XXXX ON CREDIT REPORT # XXXX SHOWS A BALANCE OF {$34.00} WHEN IT SHOULD SHOW A XXXX BALANCE, PAID AS AGREED
Product: Checking or savings account

XXXX XXXX XXXX - transferred {$300000.00} into Marcus from my external checking account. 
XXXX XXXX XXXX - wired {$250000.00} to XXXX XXXX  account from Marcus savings XXXX XXXX XXXX - I notice in my online personal finance app that there has been a ACH Withdrawal Reversal and the money has been removed from XXXX and is back in my Marcus account.l with a hold on it. 
( There was never any email communication from Marcus that there had been a problem with the transfer or communication explaining why it had been reversed. ) XXXX XXXX XXXX  - I make my first call to Marcus to find out what happened. Each time I verify my identity through security questions, each time I am transferred to a supervisor, and each time I am told that the hold on my funds is under review. At this point I communicate that I want all the funds in my account to be transferred to my external checking account and I want to close my Marcus account. 
XX/XX/year> - I make my second daily call to find out the status of the review. Again no definitive answer but am told within 1-3 days the wire to my external account with all {$300000.00} XX/XX/scrub>XXXX XXXX XXXX  - I call again to check on status and the 1-3 day timeline is still in play leading me to believe that my funds would be transferred by Friday, XXXX XXXX. 
XX/XX/year> - making my daily phone call to check on status I learn that there are some holds on my money. They are under review by the review team and no, they can not transfer me to the review team. The XXXX XXXX tells me she has removed the holds and the transfer should happen XXXX XXXXXXXX XXXX 
XXXX XXXX XXXX  - I watch my account all day to see if the funds have been wired from Marcus and at XXXX EST I call Marcus again. I ask for a supervisor, she says she will look into it and mentions that she sees a XX/XX/year> transfer date. I am incredulous and ask for her supervisor. We are on the phone for another XXXX minutes and she is not able to make any progress other than saying I will receive communication when the holds on my account are lifted. ( Which Id been told were lifted on XX/XX/year>. )
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX  Date of inquiry : XX/XX/2023 Account name : XXXX XXXX Date of inquiry : XX/XX/2023 Account name : XXXX XXXX XXXX of inquiry : XX/XX/2023 Account name : XXXX XXXX Date of inquiry : XX/XX/2023 Account name : XXXXXXXX XXXX Date of inquiry : XX/XX/2023 Account name : XXXX  Date of inquiry : XX/XX/2023
Product: Student loan

The account with XXXX XXXX XXXX is on all 3 of my credit reports reporting negatively as if I have made late payments? The payments were never late. The account was always in deferment status? I have asked them to show me proof of an actual payment being reported late? They can not because I was not required to make a payment on deferred account. The account is being reported at 90 and 120 days late but never was reported at 30 or 60 days late? I called them today to ask about receiving proof again, they said they no longer have my account and it is being serviced by great lakes? I asked them why are they still reporting this on my credit report? XXXX asked that I give Great Lakes a call but Great Lakes is not reporting me as having a negative student loan on all three credit bureaus with late payments. I want this account removed from all 3 of my credit reports XXXX XXXX XXXX Balance {$62000.00} Account # XXXX ssn # XXXX Dates of delinquency : XX/XX/XXXX and XX/XX/XXXX.

Being reported as late for 3 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first timed I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX {$110.00}
Product: Checking or savings account

Federal regulations do not work! the act to make funds available is a joke or banks can choose if they want to follow that act or not. 
On XX/XX/XXXX a check was deposited into Bank of America ATM, the deposit slip stated the check will be held- none of it would be made available. That was an issue because we tried to mobile deposit on the XXXX and couldn't. We live over an hour to the nearest ATM or banking center. 
Because none of the check was available to cover expenses the account had a negative balance In 2022 until the time near or around the deposit we had a bank error once in XXXX it was only one day and we quickly corrected. 

We have banked with bank of America for XXXX  years and have never had a deposit returned or went consecutive days with a negative balance. 

In addtion the check was drafted from the Attorney  trust account it was written on on XX/XX/XXXX, the attorney has documents to support that the funds were released from their bank. 
The attorney ask if there was someone at the bank he could call so at least they could make some of the funds available. 
I was told, there wasn't. 

I have called bank of America every day for a week. 
When we made our deposit we got a receipt showing its bank owned ATM, the amount of the check AND this is most important showing the hold would expire XXXX at XXXX am. When I called yesterday they told me it would be released today. 
I was told this morning possibly another 24-48 hours Because this check was from a refinance and we had done that to get XXXX. We were on a list and had to pay by certain date. I called the bank prior to depositing this and ask for their hold process the rep told me there isn't one, it could be 3 days it could be five. 
Mind you, we have a direct deposit into this account and make weekly mobile deposit of {$920.00} So this is an account that actively has deposits and that is not new and other than this issue not overdrawn. 
The bank has only given us this reason, the clearing house can't verify the funds. Today is 6 BUSINESS days and the ACH can't verify in that time?. The account was a trust so the funds had to be verified before they could disperse. The check cleared the attorney account on the XXXX So somewhere something is wrong with the system. 
I can't get anyone to help me The bank did not honor the original hold date or provide a more reasonable explanation as to why funds were delayed and made none of the check available through the entire process. 
The bank has a deposit agreement that states they may hold longer but the first day you would would have at least XXXX of the deposit. ( didn't happen ) they note if they don't make funds available they notify when you make a deposit. In this case the XXXX which they also did not honor. WE will mail or make you aware the next business day, which they did not provide a different date until the XXXX saying it would expire on the XXXX which it didn't do either. Regardless they didn't uphold their agreement for making anything available. the reason for the hold. they thought it could be returned.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and notice that I had two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on dates 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous fraudulent accounts on my credit report. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently requested a copy of my credit report & seen unauthorized hard inquiries. This is a violation of the FCRA under section 604 permissible purpose. 

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

XXXX  XXXX XXXX card opened on XX/XX/2015 is with a credit of XXXX keeps showing up on my transunion in my age of credit. Transunion said they would remove it as it so it does not show up in my age of credit. This card is currently still showing up in my age of credit. 

I was told that this would be removed from my age of credit as soon as possible.
Product: Credit card

On XXXX/XXXX/16 I spoke with a representative at Capital One resolutions department that offered me a settlement on a very old charge off account from many many years ago. XXXX representative assured me that if I paid the {$840.00} settlement offer, then the balance would be considered settled in full and would be updated with the XXXX credit bureaus to a {$0.00} balance. I made the settlement payment on XXXX/XXXX/16. This week my account was updated with the credit bureaus to a {$280.00} balance. This is not correct. This needs to be updated to a {$0.00} balance as promised.