23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

-- -- - XXXX, XXXX, XX/XX/2020 Payment Histories Missing On My Credit Report -- -- XXXX XXXX XXXX ( XXXX  ) has made the mistake to put my account under forbearance in XXXX/XX/XX/2020, without my authorization or knowledge ( As a matter of fact, I have automatic payment setup. In each month 's XXXX, the monthly mortgage was paid in full ). 

I have noticed this issue ( my account was marked as " forbearance '' ) in XX/XX/2020 on my credit report ( when I tried to get a new home loan from another new bank ), I have contacted them immediately and asked them to fix this error and provide me a letter ( details please see below asks ). The " forbearance '' issue itself seemed to be fixed by now. However, on my credit report, the payment histories for XXXX, XXXX, XX/XX/2020 were all missing. My new bank will not be able to approve my new loan because of these issues of missing payment histories. 

I have contacted XXXX XXXX XXXX more than 20 times since XX/XX/XXXX by phone to ask XXXX to do 2 things : ( 1 ) report my XXXX, XXXX, XX/XX/2020 payment histories to XXXX, TransUnion, XXXX  to fix the missing data issue. 

( 2 ) Provide me a letter with shows my account has never been under forbearance and my payment histories for all past 12 months.

However, after waiting for more than 3 weeks, and countless emails / phone calls / talks with multiple supervisors, I have not been able to get either one of the above 2 things.

Without this issue fixed, My new bank can not process my new loan application, therefore I will need XXXX XXXX help immediately to get this fixed.
Product: Credit card or prepaid card

Hi, Terms of this card is rewards I could use at XXXX XXXX. 
I called close to ten times and keep getting told problem will be solved and I will start being able to use my rewards. 
Nothing has changed.
Product: Credit card or prepaid card

Letter dated XX/XX/XXXX, from the Barclayscard Office of the President / a XXXX XXXX XXXX, outlined credits that were in process of posting to my account in the amount of {$160.00}. This credit was short {$4.00} and should have instead been a sum of {$160.00}. This credit was supposed to have been applied and should have remained on my account for the next 3-4 months ; instead, it was removed on XX/XX/XXXX, which also was the first time that I placed a new charge for {$31.00} on my new replacement card. The card was replaced due to previous fraud on the account. 

As a result of the posted credits being removed from my account, I later learned that {$31.00} was expected as payment on XX/XX/XXXX instead of being deducted from the expected credit balance I thought I had. I posted a payment for the {$31.00} on XX/XX/XXXX, but it was just past the cut-off deadline and did not post until the following day of XX/XX/XXXX. I also have a future payment scheduled for XX/XX/XXXX, in the amount of {$35.00}, to cover the name statement period in full, for my " actual charges that exceed the {$160.00} which should have originally been credited and should have remained on my account, preventing all of these matters from becoming compound issues. Subsequently, I was charged a {$27.00} late fee. I have since contacted Barclays to request that all corrections be made. We are currently in a back-and-forth email and phone-tag pattern, meanwhile, I am still incurring additional charges i.e., {$3.00}. 

I am concerned this will continue getting out of control while I expect these corrections to be made. The fact of the matter is, the posted credit was removed from the account within 2-months of it being posted. This gave me no time to use it as intended and is now costing me more. There has never been a check issued for that or any other balance, not that I have seen, and nor do I want. I want all credits posted back to my account as discussed and for the full {$160.00}, plus a credit of the {$27.00} late charge, and the {$3.00} interest charge, and anything else that may post to my account in the meantime. I also want to make sure that nothing has negatively been reported to any of the credit bureaus, and nothing will. I would like a letter confirming that all of these transactions have correctly been posted and that I should be cleared of any adverse actions or negative reports that could possibly affect my credit, and I want this letter as a reference, should anything later appear and I would need a letter of that type to serve as proof to expedite any future potential issues as a result of these discrepancies now. 

Thank you in advance for your assistance in resolving this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting

I had an account with XXXX that became 180 days delinquent in XX/XX/XXXX. The account was never brought current and reported negatively on my credit report until the account was sold in XX/XX/XXXX. According to the FCRA 623 ( a ) ( 5 ), this account should be removed from my credit report. It has been re-aged by the original creditor to reflect a different date of default The account has been aged more than seven years from the original date of delinquency and should be removed from my credit report.. I have supplied a copy of my credit report from XX/XX/XXXX showing the original status of the loan, prior to it being transferred to another lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to CFPB complaint # : XXXX. My name is XXXX XXXX and I am a federally protected consumer. I am once again making this complaint against Equifax because they have continued to fail their requirements as outlined in the Fair Credit Reporting Act ( FCRA ) of providing completeness and accuracy of an item of information on my consumer file. I asked the company to supply a description of the procedures used to determine the accuracy and completeness of the information they received from the debt collector XXXX XXXX XXXX XXXX XXXX XXXX Per the FCRA, if I, the consumer, request this description of the procedures used, they are obligated to give me this information, no later than 15 days, after they have received it. They failed to provide me this information when they first received my letter on XXXX, and in my initial complaint made on the CFPB on XXXX. They have blatantly ignored my rights as a protected consumer to provide this information to me. I have reason to believe and do so believe that the accuracy of the 'information ' they 'verified " can no longer be verified or any notation as to disputed information because it seems that they have a hard time answering simple questions on the procedures they used to determine the accuracy and completeness. Because of this, this information needs to be deleted immediately.
Product: Money transfer, virtual currency, or money service

on XX/XX/2022 I wired transfer {$9000.00} from my US Bank account to XXXX Bank  XXXX XXXX through my local US Bank branch in XXXX, Kansas. I have attached receipt of that transfer. The money supposed to be in the recipient bank on or before XX/XX/2022. It did not happened. I went to bank after 2 weeks to find out why transfer has been not completed. The branch told that it is not in their control anymore. I contacted their wire department by calling. Wire department told me to go to local branch and initiate trace case. I went to local branch and asked them to initiate trace case. They did open trace case. Next day I received call from branch and they told me that money was at XXXX  XXXX XXXX and they have released today and recipient bank will receive within 2 to 3 days. I waited again for week. Nothing happened. I called local branch to find out again. I called so many times by now. No answer. Transfer not completed as of today XX/XX/2022. I do not know where the money is and what is the problem. I asked them to cancel transaction and deposit back to my account. No answer. Please help out to get my money.
Product: Credit reporting

I have a unauthorized and fraudulent inquiry from XXXX XXXX XXXX listed on my Experian credit report. I did not make the inquiry. The inquiry is unauthorized and fraudulent.
Product: Credit reporting or other personal consumer reports

I've expressed my complaints regarding identity theft on multiple occasions. Within XXXX business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( XXXX ) suitable identification proof ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the consumer 's identification of the relevant information; and ( XXXX ) a declaration from the customer stating that the information is unrelated to any transactions. 

XXXX XXXX XXXX XXXX XXXX, XXXXXX/XX/XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance {$0.00} XX/XX/XXXXXXXX Balance : {$420.00}XX/XX/XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$0.00}XX/XX/XXXXXXXX XXXX : {$0.00} XXXX OF XXXX XXXX Balance {$130.00} XX/XX/XXXX( Original Creditor : XXXXXX/XX/XXXX XXXX ) XXXX Balance : {$1800.00} XX/XX/XXXXXX/XX/XXXX
Product: Vehicle loan or lease

I co-signed on an auto loan with my ex-husband. He failed to make the payments on the vehicle which resulted in charge-off and repossession of the vehicle. I received a XXXX cancellation of debt which was to be filed with the IRS, on top of the company repossessing the vehicle. However, this account is still reporting as a charge off with a balance owed on my credit report. I have disputed this with the credit bureaus on numerous occasions. I have also contacted the company requesting proof of balance owed, repossession, and whether the vehicle has been sold and the amount that it was sold for since according to the FRCA, the consumer does have a right to this information. When I contact the company, no one seems to know what I am talking about and I have not received any proof of the requested information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove this inquiry from my credit report immediately as it is not mine
Product: Credit reporting or other personal consumer reports

I'm being charged to have an update to my credit report itself. Last update was in XXXX so I'm not getting fair results when I apply for credit because my credit has several things paid off it's not reflecting. They want me to pay almost {$30.00} today update.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX Acct XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
Product: Money transfer, virtual currency, or money service

I was a victim of a {$220.00} XXXX scam on XX/XX/year>. A person, who only referred to himself as " XXXX, '' promised to provide a service in exchange for the payment. When I asked for his full name and location, he refused to give me any specifics, only saying he was from outside the USA and asking, " Don't you trust me? '' After I made the payment, XXXX failed to deliver the promised service and immediately blocked me on XXXX and all other communication channels. I filed a claim and received a refund on XX/XX/year>, but to my shock, on XX/XX/year>, the {$220.00} was reversed without my authorization, and the funds were withdrawn from my account again. When I contacted XXXX and Chase, I was told the refund was initially credited by Chase but later taken back. I feel helpless and deceived, and I am urgently seeking assistance to recover the funds and stop any further unauthorized actions on my account.
Product: Credit reporting or other personal consumer reports

I recieved a formal notice from XXXX insurance company informing me that they did not give me the best quote based off of information or missing information from LexisNexis Consumer Center of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the account XXXX act # XXXXwith Equifax, XXXX and XXXX and the fraudulent, incorrect information is still there. 
They should NOT be on my credit profile. This is fraud. 

I disputed the XXXX XXXX account XXXX with Equifax, XXXX and XXXX and the fraudulent, incorrect information is still there. I do not know who XXXX XXXX account XXXX is. I have never signed an agreement with XXXX XXXX  account XXXX They should NOT be on my credit profile. This is fraud. 

I disputed the XXXX account XXXX with Equifax, XXXX and XXXX and the fraudulent, incorrect information is still there. I do not know who XXXX account XXXX is. I have never signed an agreement with XXXX account XXXX They should NOT be on my credit profile. This is fraud. 

I disputed the XXXX/XXXX/XXXX account XXXX with Equifax, XXXX and XXXX and the fraudulent, incorrect information is still there. I do not know who XXXX/XXXX/XXXX account XXXX is. This is fraud. 

I sent disputes about the above accounts on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX THE ERRORS STILL EXIST
Product: Mortgage

My insurance lapsed for one month. I received one notice to provide proof of insurance. I purchased new homeowners insurance and provided the declaration page. They applied a negative {$160.00} balance to my escrow account and are making me pay for a month of forced insurance. I was not provided two notices before the forced insurance was purchased. I should not be required to pay for the forced insurance because I purchased a new policy ( XX/XX/2022 ) and provided the declaration page before the forced insurance was purchased.
Product: Money transfer, virtual currency, or money service

Paypal permanently limited my account for no reason for 180 days today on XX/XX/2022.. i was not even notified for such actions.I am requesting paypal to restore my account inoder to withdraw my {$690.00} funds to us during this diffucult period of COVID.I am totally confused and harrassed for such acts. kindly help me secure my account and withdraw the funds as well. my paypal account email is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor : XXXX XXXX  Nevada XXXX. 
Your Account XXXX. XXXX, Reference No. XXXX ORIGINAL XXXX XXXX  Nevada XXXX. Account Documents Requested Portfolio Recovery REFUSES to send me copies of the above ORIGINAL ACCOUNT from XXXX XXXX  Nevada, XXXX, which was CLOSED when XXXX XXXX XXXX  spent XXXX XXXX dollars to purchase this and other credit card accounts from XXXX XXXX, or on around XX/XX/XXXX. This account was closed over TEN years ago and is NOW outside the STATUTE OF LIMITATIONS for collection in the State of Georgia. 

Information from XXXX : On XX/XX/XXXX, XXXX  XXXX completed its acquisition of the majority of XXXX 's United States credit card business for a reported {$2.00} XXXX, adding definitiveness to a sale that caused a stir among consumers following its tentative announcement in XX/XX/XXXX. 

Despite my repeated requests for ORIGINAL XXXX XXXX  credit card account records to prove this IS NOT a valid collection account, Portfolio continues to send me copies of documents from XXXX XXXX XXXX. 

The attached file shows the account was opened in XXXX so they do have the records, but refuse to provide copies because it will show it was closed by XXXX. 

I believe Portfolio Recovery Associates is willfully damaging my credit by reporting this 10-year-old XXXX account to the credit bureaus under the faade of being a legitimate XXXX  XXXX XXXX  account XXXX
Product: Credit reporting or other personal consumer reports

As of XX/XX/year> an unsecured loan was opened with Opp Loans for amount of XXXX in which account is charged off. As you may know, according to the FRCA this Fair law gives one the right to dispute negative impacts as well as the FDCPA act practices the ability for company to validate this debt as well as accuracy in charge off claims given to the IRS.
Product: Mortgage

While XXXX  in XXXX, a loan modification was requested by my ex-husband XXXX XXXX XXXX and processed by the mortgage company without my knowledge and signature. Never notified - my whereabouts were clearly known. 

Another loan modification was requested in XXXX, without my knowledge by the Estate of my now deceased ex-husband- I was not incarcerated. Mortgage company never acknowledge me or notified me of a change in the mortgage and again my whereabouts were known. 
The original mortgage company that has been hence been sold has never corrected this issue, that I raised the issue on numerous times. Fraud was committed and the new mortgage company perpetuates it...
Product: Mortgage

Since the day   XXXX   XXXX   XXXX   sold my loan to Rushmore   XXXX   XXXX  , they 've been trying to take my house. My payments had just been recalculated before my loan was sold, Rushmore wanted a much higher monthly payment and left the responsibility to me to get a copy of the escrow report. They would n't accept any payment for 3 months until this escrow paper was confirmed, therefore trying their hardest to get me behind. They knew  XXXX  have given me a loan mod, forgiven half of my principle, therefore I had equity and they would get a chunk of money by foreclosing. It did n't work then, however now I am behind, they 've sued for foreclosure, wo n't accept my offers of repayment, and are very rude. The guy I have to talk to sounds like he 's  XXXX  yrs old, he does n't seem to know much at all except how to bully me into paying everything at once, or going through with foreclosure. I had a settlement conference on   XXXX   XXXX   XXXX  . I offered to pay {$1500.00}, asked if they could defer to the back of the loan the remaining of what I 'm behind. About {$1000.00}. They said no, and told me instead of the {$2500.00} I owe them, ( The statement I received in the mail today   XXXX   XXXX   XXXX   says I owe {$2500.00} to bring current. ) they now say I have to come up with well over {$5000.00} to bring my loan current even though my statement says {$2500.00}. I Do believe they are just trying to bully me, and scare me so I will let them foreclose. I work from home and can make my regular monthly payments of {$280.00} but they wo n't give me a chance. They also know I am so close to getting my  XXXX  but wo n't work with me at all. And I believe there are some legal and ethical issues going on here.
Product: Consumer Loan

Upon maturity of the loan they wanted me to pay almost an extra {$1000.00} without being able to tell me what it was for. When I refused they charged off. I purchased a XXXX Honda Accord and financed it through Honda financial account XXXX. During the course of the loan I did a couple of extensions. This changed my maturity date from XXXX to XXXX XXXX. I was half a month behind on payments due to a divorce and custody battle but always paid it before the 30 days and let them know ahead of time. The loan since always paid before 30 days never went past due o my credit. I would each month make the payment and the late fee so each bill read like a double payment. To illustrate the last XXXX bills were as followed : XXXX {$920.00} ( double my payment with the late charge ), XXXX : {$920.00}, but my last bill in XXXX came for : {$1800.00}. I was expecting another {$920.00} which I would pay half off in XXXX and the other half in XXXX and the loan balance would come to zero. However, when I saw the {$1800.00} bill I immediately called. I spoke to several different employees of the company, mailed XXXX different letters and still to this date they have been unable to explain what the additional fees owed are. I even demanded they explain this debt as per my consumer rights under FDCPA. They told me if I did n't pay it, the account would be charged off, and that I plainly owed it. They declined to explain here the fees came from, they declined to provide me proof of them, and they stopped responding to all my letters. Furthermore, they never notified me in writing that my account would be charged off as required by law and they sent it to " charge off '' less than 60 days past the maturity date.
Product: Credit card or prepaid card

I had a fraudulent charge on my debit card from XXXX XXXX ( XXXX XXXX ) I reported it to my debit card company TD bank to investigate. The case was closed without an investigation and/or request for evidence. I would like TD to evaluate my claim for the return of stoled funds from my account although I requested a stop of the transaction when it was pending. I was advised by TD bank to wait until the transaction was posted to dispute it and stop the transaction. I would like an investigation into this fraudulent transaction and return of the funds to my account.