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

On XX/XX/XXXX, I sent in a letter to my credit card company- Barclays Bank , to file a dispute against the merchant XXXX XXXX XXXX , for the transactions amounting to {$1000.00} on XX/XX/XXXX and {$530.00} on XX/XX/XXXX. This was for 24 personal training sessions that I had paid for in advance in two installments, which would total to {$1500.00}. Due to Covid-19, the gym shut down in late XXXX and has since permanently closed down. I tried to get in contact with both the local gym as well as the main corporation on multiple occasions for a refund via telephone, online forums and email. This was to no avail since they had no live representatives on the phone and other options to contact them just didnt work out. Due to that, I decided to file the dispute with Barclays Bank. 

After mailing my letter in on XX/XX/XXXX and not hearing a response back from Barclays in XXXX, I decided to contact them via telephone. I spoke to two different representatives who had informed me that the case was closed due to having inadequate information since they couldnt get in contact with the gym ( for obvious reasons since the gym was closed ). I never received a letter stating that the case was closed- so I was not very pleased. Both representatives recommended that I send in a fax with more information about the last dates of me attempting to contact the merchant and they said that sending in that letter would reopen my case. I did so one day later and sent the fax on XX/XX/XXXX. 

I received a letter back from Barclays dated XX/XX/XXXX stating that they could not give me a credit for my dispute since they are outside of the permitted timeframe to help with the claim. 

After over three months of going back and forth with Barclays, this was extremely upsetting and not the response that I had expected. I sent in my original dispute in XXXX, had them close the case without informing me that they needed more information, then I speak to representatives who had me send in another fax stating the last date I contacted the gym.. all for them to say they are outside of the permitted timeframe to help me obtain a credit? Absolutely absurd! Why waste my time to send in another fax then? This just shows laziness and unwillingness of Barclays representatives to actually help their customers. The gym has closed! It is all over their website and not even Barclays could get in contact with them.. So why is it so hard for me to receive a credit?
Product: Debt collection

On XX/XX/2022 I attempted to submit a request for XXXX and XXXX dispute. 

I have XXXX and speaking on the phone to people causes me XXXX, I decided to use the chat feature and I found myself talking to a customer service agent who refused to acknowledge my request or document it on my account.
Product: Debt collection

I have been getting constant harassing phone calls regarding this debt, for years now. I have told them I have no idea about the debt, and to remove me from the call list and erase this account but they refuse and relentlessly Harass me with none stop calls from morning to when Im at work, to when Im with my family. It has caused me tremendous emotional distress and trauma as well as embarrassment and anxiety. They use different numbers and have cost me business opportunities due to me answering and them using harassing and vulgar languages. I want this to stop for my mental sanity and financial health!.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance {$8400.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am upset to know that unauthorized false reports are affecting my credit score and current employment status. I am worried and frustrated to be a victim of fraud and would like this resolved as soon as possible so that I can go back to my normal life! I did not consent nor approve any of these companies and would like them removed immediately!
Product: Money transfer, virtual currency, or money service

I contacted support about a number of transactions I wanted to dispute due to being scammed and never receiving what I paid for. 

Upon contacting cash app, the advocate as they were called, said absolutely not and that it could not be reversed or canceled. I explained I knew that and wanted to file dispute. After explaining this the agent replied with zzzzzzz 's at the beginning and end of her next paragraph which is and was beyond rude. 

Cash app refused to follow the law and dispute charges based on dishonor and in process was rude and absolutely unhelpful. I have screenshots of this conversation. 

I know cashapp has a dispute process because I had disputed charges I didn't recognize and they denied them because they said I used my device. But their were 39 active devices on my account in which I removed when i realized this. When trying to dispute these charges the ability and options to dispute were also gone and not able to. 

To make things even worse cashapp after trying to dispute these charges closed my account for alleged rules violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not been late on this account and I have requested PHYSICAL PROOF of late payments since XX/XX/2020 of this year and have never received such information, please correct payment history. 

Please provide all the people involved in this investigation as well with notarized documents.
Product: Mortgage

My loan has been sold several times and the latest is Rushmore Loan. 
Since XXXX of XXXX I have been paying extra escrow payments for their required 2 month cushion. 
Since they have obtained this loan to date XX/XX/XXXX I have paid in a total of XXXX and every year at escrow analysis time I have a new monthly payment reflecting their projected property tax, hazard insurance, my principal and it includes the shortage. 
At this time I start all over again owing 2 months worth of escrow cushion but no one can give a clear and simple explanation of where the money I have paid in has gone. 
I receive a check from them to pay my taxes and for 2 years in a row it has been higher than the taxes and I end up with a check back from the city. 
If I never have enough money for the cushion how am I getting money back when I pay my taxes? 
Their explanations make no sense and I am told that the amount is going down but due to them spreading the payment out this is why I am behind. I can not get anyone to explain in plain English why I paid in XXXX and every analysis I wind up having nothing in the cushion and start all over. I don't know where these funds are being allocated. I am not an accountant so their analysis make no sense to me. 
I pay the amount I am required every month yet still have no cushion. 
I am not sure how I am ever going to have the required cushion if every analysis I am told there is nothing left.
Product: Credit reporting, credit repair services, or other personal consumer reports

What is this complaint about?

When applying for a car loan the credit report from Experian/XXXX is drastically less from my consumer pull than what the dealer came up with. My scores have been hovering at the same number for about a year. I additionally have different averages for the age of my accounts. My paid off debts to not show for some reason either. Lastly, when I tried to get insurance it seems my public record was mixed up with wrong person, however I have no insight into this issue now.

What type of problem are you having?

Inability to get public information or the reasons behind my credit score being low. IE : Through my requests it shows as XXXX but through a pull from someone else the score shows as ranges XXXX  to XXXX. Not able to get insurance for new car. Not able to figure out what issues are happening for my records.

What happened?

I attempted to purchase a car out of necessity and had to co-sign with someone else because of the issues with my credit and possible identity.

What company is this complaint about?

XXXX, Experian, and XXXX.

Who are the people involved?

Myself, XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. XXXX 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 XXXX 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: Debt collection

Phoenix Financial Services placed an old time-barred medical debt on my XXXX  credit report on XX/XX/2020 that had already been removed from my credit report because of the age of the debt after I had disputed it. It had previously been placed for collection through XXXX XXXX XXXX of which I have documentation of the account being removed from my credit report. I had not received any written notice by mail or otherwise about the debt or that they had bought this old debt. There have been multiple complaints against the company for the same devious business practices, and I am going to file complaints with every available government consumer agency and the California Attorney General 's office. They have now today placed the collection on my XXXX  credit report. These need to be removed. This is ILLEGAL.
Product: Vehicle loan or lease

Wells Fargo advised me if I would make on time payments for six months they would review and help on the late payments fees. I did all this and put on auto payments also. Called after 6 months and around and around I go. Go taken up the latter then I get a letter saying they reviewed all my calls. Well not all. Showed only called twice in 3 months. Well my version bill shows 15 times. 
This bank lyes like they did to the government. 
Still no resolution on lying on my credit report also Looks like some deal was made not to auto update everyones credit report after the line of credit scam. Now over averting there new scam of a credit card
Product: Student loan

I borrowed approximately 20,000 for college and grauated in XX/XX/2007. Since that time my loan increased by 50 % or so. I noticed on rexent tax documentation that it seemed like too much of my payments were going to interest. I called Navient and the rep told me i was enrolled in a program that required interest only payments for two years. Thst was in exchange for a XXXX reduction while i was on maternity leave. The rep who signed me up did not inform me of those terms. I thought they were simply reducing my payment temporarily with no penalty. At this point we have lost about 4000 to this predatory program i was enrolled in with out my knowledge. The navient reps told me there was nothing i could do and faulted me for being irresponsible with my loans. I spoke with another rep who offered to enroll me in the same predatory program at a worse rate. I emailed about returning the money to the proper principal/interest ratio but have not heard back yet from Navient. When i googled their website i saw that rhey are being sued for dishonest lending practices. I read that there are many repayment options on federal loans. I have called repetedly since XX/XX/2007 requesting repayment options and the only thing i was ever offered was forbearance and deferment. Years ago i learned about income based repayment. I called and asked the reps about it myself and applied twice. They told me i made too much money to qualify. I made less than 30k annually. J recently learned that this program is open to all borrowers. Instead of enrolling me in income based repayment while i was working, the loan company lied to me about qualifying advised me keep the loan in forbearance until i could make a larger payment. Even while i onky had partime work during the recession i asked if i coukd pay XXXX towards my loans and the reps refused to take the payment. One actually laughed at me and again told me to forbear. When i hear that there are programs and i could have had income based repayment for years i feel beside myself because my loans might be close to paid off instead of 50 % more than what i borrowed. I am beside myself and it is very upsetting. I hope you can help me and many others get our payments properly applied to the loans and get rid of this fraudulently accrued interest. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX Experian received a certified mail letter requesting investigation of a dispute of inaccurate account information with my XXXX XXXX account. I sent them account information from my credit report from all three credit reporting agencies showing that XXXX has reported vastly different info to all 3. The discrepancies range from inaccurate credit limit, high balance, date of last activity and date of last payment. Experian failed to verify this info. They also refuse to provide the method of verification as requested multiple times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not Authorize XXXX XXXXXXXX to run my credit and I have already sent them a letter and waited XXXX BUSINESS DAYS to remove all hard inquiries that are unauthorized There is XXXX unauthorized inquiries on my XXXX report there are XXXX on my XXXX report and there is XXXX on my Experian report and capital one does not have my authorization to to run my credit therefore there should be no hard inquiries and I have tried to resolve this by phone mail and email. 
The XXXX XXXX and XXXX XXXX XXXX also do not have my authorization to run my credit and also I have no open accounts with either of them and I want these removed from my report
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts and credit inquiries currently listed on my XXXX, XXXX, and Trans Union credit report are fraudulent and not my accounts or credit inquiries : XXXX XXXXXXXX XXXX  {$580.00}, XX/XX/XXXX, XXXX XXXX XXXX, {$5600.00}, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX XXXX XXXXXXXX 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

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

Wells Fargo Home Mortgage is listed on my credit report for all XXXX credit reporting agencies as a Deed In Lieu. The open date for this account is XX/XX/2007. This credit item exceeds the allowed statue of limitation time frame for the state of Alabama and should be removed from all XXXX credit reporting agencies.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Subject : Dispute of Late PaymentReporting : I am writing to formally dispute the late payment ( XXXX ) reported on my account the billing period ( s ). According to my records, I made 96 % of my payment ( s ) in full and on time, as should on my Equifax but on my Trans union and experience its different. It only shows 71 %. I believe this reporting is inaccurate. Also this account was closed XXXX ago, I dont understand why to late payments are showing. I have attached copies of my payment records & supporting documents as evidence of the timely payment ( s ). Please investigate this matter and correct any inaccuracies in my credit report. Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate and respond within 30 days. Please provide me with written confirmation once the issue has been resolved and update the credit bureaus accordingly. Thank you for your prompt attention to this matter.
Product: Credit card or prepaid card

We received a charge from a rental car company, XXXX, for approx. {$150.00} of damage on the car. When we checked out the car, we showed the attendant all the scratches and marks on the car and even took pictures. Even though the car was covered in marks, the attendant did not add anything to the car check-out form. We asked why not, and the attendant said these marks are normal. When we turned the car in, we were charged for a scratch, even though that was part of our original picture set. We asked the credit card company, Chase to resolve. They delegated this claim to two agents in XXXX, XXXX. When they called to get input on XXXX/XXXX/XXXX, we discovered, they had already closed the claim on XXXX/XXXX/XXXX and did n't want our input, despite submitting many pages of documentation. We further pursued this with the XXXX, Ohio office of Chase, but they provided a mailing address to send a letter and the agent read a script, responding like a robot. Chase failed to help us. They said they would re bill the {$150.00} despite all the documentation showing that the damage was already part of the car when we rented. It seems they are happy to delegate these decisions to overseas agents who have no interest in seeking input from their customers. We are now contemplating cancelling our Chase cards and using social media to spread the negative experience we had. It is shameful.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of certain adverse credit information from my credit report. As a victim of XXXX XXXX, specifically debt bondagewhich falls under trafficking as defined by the Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ) I have incurred debts that are a direct result of this criminal activity. 
Per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am providing a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage. 
According to Section 605C of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), credit reporting agencies are required to block and remove any adverse information resulting from XXXX XXXX within four business days upon receipt of sufficient documentation. Furthermore, 12 C.F.R. 1022.142 mandates the immediate removal of such information. 
I have provided all necessary documentation, including a victim determination letter in accordance with 12 C.F.R. 1022.142 ( b ) ( 6 ). As only two forms of documentation are required by law, I trust that the enclosed materials suffice for this request. 
I also request the immediate removal of any negative accounts linked to my credit profile, written confirmation of these actions, and assurance that the negative information will not reappear on my credit report in the future that resulted from XXXX XXXX.
Product: Credit card or prepaid card

On XX/XX/XXXX I made a payment of {$400.00} to Discover Card via the Discover App. 

In the Discover app it states the following : Payments submitted before XXXX XXXX. Eastern Time ( ET ) with a payment posting date of the same day will be credited to your account that day. After XXXX XXXX ET, payments can not be submitted with a posting date of that same day. Payments scheduled for a future date will be credited to your account on the date selected. 

I made the payment of {$400.00} before that deadline, and my available credit was posted as stated above. 

On XX/XX/2020 while trying to make a purchase, I was not authorized, I paid in cash now with that said I called Discover and spoke with a representative and discover stated that my payment is under review and may take up to 8 days, until the payment clears this is very conflicting. 8 days my due date is the XXXX of every month so I get charged the late fee, Discover gets my {$400.00} I have to wait 8 days. 

I have been with Discover for approximately 5 years I have never experienced this, this is the 2nd time. Discovers actions is now affecting my credit report. 

I have since called my bank and put a stop payment on the {$400.00} to Discover. I hope the CFPB can find a reasonable explanation or this as I see another XXXX XXXX shady shenanigans in the making.
Product: Credit reporting, credit repair services, or other personal consumer reports

Auto loan was involved in a total loss. The insurance company XXXX paid the claim although there was a gap remaining. I had gap insurance and the gap company XXXX was waiting for the police report. I provided the police report information and XXXX processed the information. They stated that they would not pay the gap. The lender Ally bank Provided the payment history to XXXX And XXXX denied the payment for the gap of {$1700.00}. I was not aware that the gap was not paid until XX/XX/XXXX. This incident happened in XX/XX/XXXX. The payment history that Ally bank Provided to the gap insurance company showed three missing payments. The missing payments were due to Ally bank offering three deferred payments during the XXXX Covid. These payments were not late but instead deferred to the end of the loan. I have never been late on any installment loan payment. I ended up paying the {$1700.00} of gap difference and due to me not finding out that this payment was never paid to a XXXX balance, Ally bank reported the three deferred payments to the gap company. I have never made a late payment ever and these three deferred payments caused Ally bank to report three late payments on my credit report. This has changed my score dramatically. I will never receive my {$1700.00} back due to this discrepancy. Please help in correct in this error on my credit report. Thank you
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 



XXXX. XXXX - XXXX XXXX. XXXX XXXX - XX/XX/year> Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX  {$140.00} XXXX XXXX XXXX {$170.00} this should have been covered under my insurance XXXX XXXX {$190.00} This should be removed because this should have been covered under my insurance when I was blown up in XXXX XXXXXXXX XXXX  {$1300.00} this is paid in full and is over 7 years old please remove.