23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Since circa XX/XX/XXXX, I have been an updating Barclay credit card holder with upstanding credit. Paying not just the monthly due increments but at times, the ENTIRE account balance at once, so much so that they raised my credit from the initial {$1300.00} to {$3300.00} several months ago. I made regular automated payments as usual. Due to a dispute I filed to prevent a fraudulent transaction from my source bank, with which I paid off my Barclay credit card, they temporarily froze my account which reversed the payment to Barclay once month. I received a payment confirmation and no word from Barclay that there had been an issue with payment via email or mail. In XX/XX/XXXX, XX/XX/XXXX I received a letter from Barclay stating that my card/account was closed. I immediately dialed their customer service line, spoke with a female specialist and she stated that if I were to pay {$170.00} ( rather than keeping it closed and going on the " hardship program '' which would reduce my interest rate and monthly payments dramatically ), she 'd reverse the reversal fees and ASSURED ME that my account and card would be reopened. I did so that day, on the phone with her. On XXXX XXXX, XXXX, I phoned their customer service line again to be told that my card hand n't been reopened because it was currently above the credit limit. So I paid AGAIN on that day to bring my balance well below my credit limit and I was told my card would be reinstated and my account reopened within 24-48 hours. That yet again DID NOT HAPPEN. I phoned in ONCE AGAIN today, XXXX/XXXX/XXXX to ask about the status of my card and account after XXXX transfers, ending with a supervisor and their internal collections department, I was informed that not only was my card was not able to be re-opened, but that I had been misinformed and lied to by the PREVIOUS XXXX representatives as my account never had a chance of being reopened, despite my upstanding history and loyalty and explanation of the recent issue. I then inquired about getting on the hardship program to reduce my monthly payments and interest rate and I was simply put on hold and told " Sorry, you 're account is able to be put on The Hardship Program. '' Again, a direct contradiction of what I had been told by Barclay all along. I was given no explanation except a case number and the " assurance '' an investigation would be begun to find out why I was misled and misinformed.
Product: Debt collection

I AM XXXX YEARS OLD WOMAN SELECT PORTFOLIO INITIATED 3 FALSE, DECEPTIVE, FRAUDULANT FORCLOSURE, and harass me every month by sending letters regarding debt and lien that not exist and threaten me they will initiate another foreclosure after moratorium lift in DC. DEBT AND LIEN DO NOT EXIST. 

Select Portfolio Servicing , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
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 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: Mortgage

Escrows are being over-projected by approximately {$1400.00} extra a year from actual assessment and yearly XXXX to XXXX tax of {$3300.00} to {$4800.00} inflating monthly mortgage payments. Rather than fix problem, Mortgage servicer XXXX XXXX loan servicing did transfer loan servicing to Select Portfolio Servicing in XX/XX/XXXX. Called SPS on XX/XX/XXXX was treated very badly and again on XXXX and XX/XX/XXXX while providing useful city hall data from the Tax collectors/assessors office to prove that real estate tax on XXXX XXXX XXXX XXXX, MA XXXX is being ove-rprojected. To date there has been no effort to correct matter. Please assist as this now shows an intent to defraud consumer.
Product: Credit reporting, credit repair services, 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 15 U.S.C 1681. 

XXXX XXXX, Account number XXXX, has violated my rights. 

XXXX XXXX XXXX, Account number XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, has violated my rights. 

XXXX XXXX, Account number XXXX, has violated my rights. 

15 U.S.C 1681 Section 604A states that I have a right to privacy.

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

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 or any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years.

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

The XXXX XXXX XXXX account # XXXX is fraudulent and is not mine. By law as a consumer, they can not report this to my report without my consent under 15 USC section 1681b yet you keep reporting this information on my report. I have been trying to dispute this information off my report for over 6 months which is a violation as well under XXXX USC 1681B-2 as they failed to notate this account as under dispute. This account is false and misleading and is hurting my reputation and holding me back from applying for things. It's sad that even though I have the say of what goes on my credit report or not as the original creditor/obligor, these bureaus still continue report fraudulent items as if they own my personal information. This will be my final attempt to resolve this issue. If this issue is not resolved within XXXX  days of this complaint being received, I will be more than glad to seek monetary compensation for the mental harassment, abuse and trauma you have committed under 15 USC 1692d.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following accounts and inquiries from my credit report. These items are fraudulent and resulted from a data breach. I did not authorize these accounts or inquiries, and they should be removed under 15 U.S.C.

1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts : XXXX - XXXX - XX/XX/XXXX - {$12000.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX  - {$350.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$740.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$470.00} XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX - {$500.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$2200.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$660.00} XXXX - XXXX - XX/XX/XXXX - {$640.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$12000.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1200.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the immediate removal of fraudulent accounts and inquiries from my credit report. As a victim of identity theft, my personal information has been exposed in multiple data breaches, resulting in unauthorized accounts being opened or attempted to be opened in my name. According to 15 U.S.C. 1681 of the Fair Credit Reporting Act ( FCRA ) and Equifax 's policies, these fraudulent entries must be removed to ensure the accuracy and integrity of my credit report. 
FRAUDULENT INQUIRES 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 XXXX XXXX XXXX XXXX XXXXXX/XX/year> I kindly request that Equifax promptly investigates these disputed accounts and inquiries and removes them from my credit report permanently to ensure that my report accurately reflects my credit history. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with Identity IQ dated XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was negative accounts on my credit report. This is disappointing because I have been paying Identity IQ to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I has a negative that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these negative accounts, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in these written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS : XXXX XXXX and Chapter XXXX Bankruptcy Reference # : XXXX XXXX requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau XXXX and the Better Business Bureau XXXX Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. XXXX very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, XXXX, and current Utility Bill as verification of my ONLY address.
Product: Bank account or service

My bank allowed charges to go through on a fraudulent charge. On XXXX/XXXX/16 I saw an offer for free trail of XXXX and to pay XXXX for shipping and the end of my transaction it was an offer for another XXXX for the same offer to try as a combo pay only shipping, I made sure no additional payments were required finished my transaction, I checked my account and notice strange charges and called the bank, they said it was international charges. The combo XXXX came a couple of weeks later. On XXXX/XXXX/16 XXXX was charged to my card I checked my email for any invoices or confirmation of purchase everytime i shop on line it is how I keep track of my online spending I did not get anything. I called the bank and I put a stop on the purchased and reported fraud. They reversed the charges and i told them to block the vendor I did n't buy anything for XXXX charged was returned XXXX. on XXXX/XXXX/16 XXXX charged my charged my card again causing an overdraft, I called the bank and i asked how did the charge go through and they could n't explain how it happen they read the notes from the weeks before, so on XXXX reversed the charges again. i still had n't gotten anything in the mail the bank could n't locate a phone number so i could call. XXXX got the XXXX and it had a letter telling me I was defrauding them for not paying. i finally got a number and I called and i told them they were the fraudulent ones, and i wanted to send them back. He told me they did n't take medicine back but they would refund my money, i told him that i told the bank they were fraud, XXXX was his name wanted me to take the fraud investigation off, he gave me a confirmation. I called the bank after i talked to XXXX. I gave her the information she said she took down what i said and confirmation number. on XXXX the bank took XXXX out of my account and then again on XXXX another XXXX stated their investigation show no error the purchase was valid. the paper work from their investigation from their website do n't match the charges from my account. I didn/t keep the pills nor did i keep the papers that came with them. The bank would claim to take notes and more times than one they had no record of my many calls
Product: Credit reporting or other personal consumer reports

My credit report lists several incorrect late payments that dont reflect my payment patterns. Please address these errors and update my records.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

This is more information for case Id XXXX Upon speaking with Bank of Ozark the assistant manager told me that my colleagues contact information for his XXXX account was changed by her back office because of an upgrade to their system was taking place. So his contact info was once his phone number then it was changed to his email and {$1000.00} is lost in cyber banking. 
So all the banks related to this incident is claiming no responsibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

So it will all start with my debt and deciding to go through a debt relief settlement company who also went through XXXX XXXX XXXX I always talked to the XXXX XXXX XXXX people it seemed like. So I set automatic bank withdrawal payments and through my account with them promising to lower my debt and be debt free in 48 months. So they set up an account with funds prior to any settlements it was at least XXXX a month. Then they started settling with companies or negotiating and would calle back adding another XXXX to XXXX on to my monthly payments o ended up having to drop out of the debt relief program because I couldn't afford the outrageous money they wanted monthly from me. At that time they told me not to talk to the creditors and they would do all the negotiating I never received any paperwork for anything. Long story short when I cancelled I never got my money back and I went so long not paying or talking to the creditors that now I feel my only option is bankruptcy. I feel like I was mislead with always being asked for more and more money to the point I couldn't afford it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my Equifax credit report today XX/XX/19 at XXXX XXXX XXXX   and my mortgage account information is not up to date. It reflects the last payment as of XX/XX/2019. Equifax has consistently reported inaccurate mortgage information. Plus there is still another investigation that still has not been resolved from XX/XX/2019
Product: Debt collection

I have set up payments with XXXX XXXX XXXX XXXX XXXX XXXX XXXX mo XXXX on this account. XXXX XXXX and pendricks capitol partners and now double dipping and wont talk or remove. then they they just sent me another one for empg that on is with XXXX XXXX XXXX here we go agian the one is XXXX years old. 
thank you XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

continuation of complaint-XXXX-XXXX. To date this issue has not been solved. five yrs ago a court issued a directive on the acct of my mother, XXXX XXXX. JP MORGANCHASE has issued one demand after another which have been complied with-on XX/XX/18 chks were supposedly sent out-to wrong address. instead of just sending them to correct address nmore forms more demands. we had to notorize documents to stop payment on chks yet yesterday Chase finally admitted they had chks. so why more forms??? just to delay paying out acct-delay delay delay and we have XXXX State Senator XXXX XXXX helping us and weve reached out to US Senatpor XXXX XXXX.Seems incredible that this is still dragging on. no matter what we do there are always more demands bringing ever more delays.As they are speaking to us at Chase_XXXX-they chg the demands. as my brother told her yesterday the goal post chgs we speak but we are supposed to just keep compling. we need help desperately. this has gone on almost 5 yrs-with a court order-will it go on 5 yrs more??? my brother and i cant believe how inhumane and inhuman we have been treated-both of us feel sick medically and XXXX. pls help us resolve this
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX accounts, a XXXX account and a XXXX Bank account were paid in full on XX/XX/year>. XXXX and XXXX show paid in Full with no negative remarks. 
XXXXXXXX XXXX  accounts show paid in full on XXXX and XXXX with no negative remarks. 

On Experian credit reporting in shows that all of these account have a negative remark and money is still owed on the XXXX XXXX accounts. 

I have confirmed with XXXX a week ago that I am paid in full and have a XXXX balance. I contacted Experian and they were very unhelpful. All they said was to call XXXX.
Product: Checking or savings account

My prepaid XXXX card has been frozen and the funds were already in there I know a lot of people arguing with the same thing I've been dealing with this since the XXXX of XXXX XX/XX/20 I need my money they already saw the situation and I need my card unlocked unfrozen to be exact so if you can help with that problem I'm not trying to be homeless anymore I'm going through a lot of issues and I need my card to be unlocked So that's my plight right now so if you can take care of that thank you
Product: Credit card

My name is XXXX and I have already file a complain with CitiBankI. Case number : XXXX on XX/XX/2017. CitiBank answered that I was treated as many other clients and this is the reason that they denied my request of not paying late fees and accrued interests. I believed CitiBank did not acknowledge any of the points in my written complain. Therefore, I would like to contact them again and I would like CitiBank again to consider a solution to my debt credit situation. 
1. I requested from them to send me a paper bill which they have not done. 
2. I keep paying my debt every month more than {$500.00}, even I considered this debt to be unfair. 
3. I tried to contact XXXX, Citibank representative. I left my phone number and I have received no calls from him so far. 
4. Again, you have my letter and my plead to Citibank, I hope we can find a resolution in benefit for both parts.
Product: Mortgage

To whom it may concern - I am writing to see if you can help me with a complaint with the lender of my second mortgage, Ally Bank. 

In late 2020, I sent my check number XXXX in the amount of {$360.00} as payment for my XX/XX/2020 obligation. Ally did not cash the check but sent it back to me claiming it was not a full payment, and then proceeded to claim I missed a payment. They have repeatedly applied late fees to my account, despite being paid on time. 

Ally frequently applies late fees to my account, despite my making regular, and correct, payments.
Product: Debt collection

I am writing to formally dispute the fraudulent charges and late payments reported on my credit report. As a victim of identity theft I have identified unauthorized transactions and inaccuracies that are negatively impacting my credit report. I am not disputing the existence of the account itself but rather the fraudulent charges and the subsequent late payments associated with those charges. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, you are required to block the reporting of any information that is the result of identity theft once notified.

I have enclosed a copy of my Identity Theft Report such as a police report and FTC Identity Theft Affidavit as evidence to support my claim. 

Here is a summary of the disputed information : Fraudulent Charges : {$100000.00} Late Payments : XX/XX/XXXX to XX/XX/XXXX According to FCRA 15 U.S.C. 1681s-2, creditors and furnishers are also required to report accurate information. Since these charges were made without my authorization, they are inaccurate and must be removed from my credit report.

I am requesting that you : 1. Investigate and remove the fraudulent charges and any late payments associated with them from my credit report.

2. Provide me with a written confirmation of the investigation results and any changes made to my credit report.

3. Send me an updated copy of my credit report reflecting the corrected information.

Please consider this letter as a formal request under the FCRA to block and remove the disputed information. Failure to comply with this request within 24hours period may result in legal action to enforce my rights under the FCRA and to seek damages for noncompliance. 

Thank you for your prompt attention to this matter. I look forward to resolving this issue swiftly.