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

After speaking with an Upgrade customer service agent, I was told that it takes there company 7 business days to post charges to their credit card so you are not able to pay off the actual full balance, only what shows as the balance minus charges with the last 7 business days, but the dates for the charges show the current date, ( the image showing pending charges have a date of XX/XX/2020, but were charged 5 days prior to that date ) even though your account shows your current balance with those charges that they deem as " pending ''. And when you do make a payment, it does not deduct from your bank account for 7-10 business days and you are charged interest that has not yet accrued when you make that initial payment. It will eventually credit back to your bank account, but I question charging interest that has technically not yet accrued. If you do try to make a payment over the amount due ( which they automatically will deduct ) you HAVE to speak to an agent over the phone, which I have actually been on hold for 35 minutes just to talk to someone to make a payment. This companies goal seems to be to ensure it's customers accounts show activity that is not necessarily happening.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, on XX/XX/XXXX I was notified by a potential company that I was obtaining a loan from that I had a collection on my credit report. I proceeded to check my credit and notice that IC SYSTEM the debt collection agency for XXXX XXXX placed a {$460.00} collection on my credit. The account was opened fraudulent on XX/XX/XXXX and closed on XX/XX/XXXX. I DID NOT OPEN A CELL PHONE WITH THIS COMPANY. I LIVE IN GEORGIA AND THIS COMPANY DOES NOT OPERATE IN MY STATE. I HAVE AND HAD PHONE SERVICE WITH ANOTHER PROVIDER FOR YEARS. THIS FRAUDULENT ACCOUNT IS HARMING MY FAMILY AND MYSELF. I HAVE REPORTED THIS FRAUD TO THE FTC ( report # XXXX ), the XXXX, AND THE ATTORNEY GENERAL. THIS IS PREVENTING ME FROM MOVING FORWARD WITH MY LOAN PROCESS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2023 to Experian. Here is my tracking number XXXX. However the credit bureaus said they completed the investigation and everything was 100 % accurate. According to the law 15 U.S. Code 1681a - Denitions ; rules of construction. The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specic factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I would like to know who did they talk to? How did they complete this investigation?
Product: Credit card

Follow up is needed for CFPB case # XXXX - XXXX, Capital One Complaint ( CapOne Case # XXXX ) After review of the credit card application and all statements for the credit card opened fraudulently in the name of my fathe, additional information is needed as follows : ALL documentation related to the following charges that follow : XXXX XXXX -- XXXX XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX XXXX ; XXXX ; XXXX ; XXXX My father was the victim of XXXX ABUSE and details on these charges are needed for a legal action underway. 
Please note that the Capital One letter I received in response to the CPFB request is insulting. It claims they needed additional information. This is a lie. 
Numerous letters and emails to CapOne included the same request ; I provided not addti additional information to CapOne. They continue to victimize victims. Shame on them!
Product: Credit card or prepaid card

I contacted Barclays credit card company in XX/XX/XXXX to dispute a charge in the amount of {$1100.00} that I made to XXXX XXXX. I contacted Barclays because XXXX XXXX  was not responding to my repeated emails to cancel a trip to XXXX that I booked XX/XX/XXXX. I wrote a letter to Barclays explaining that I wanted to dispute the charge because the merchant wasn't responding to me. Barclays acknowledged my letter on XX/XX/XXXX advising they would investigate and the investigation could take 45 days. On XX/XX/XXXX, I received a letter from Barclays stating they needed more information and could not reach me so my case had been closed. They had my cell phone number and I never received a phone call from them. The letter also stated I could reopen the case which I did. I called to find out what additional information they needed. I was told they needed proof that I tried to contact the merchant. I mailed copies of the emails I sent to XXXX XXXX  on XX/XX/XXXX and verified with their rep, Froi that the documentation was received on XX/XX/XXXX. I called Barclays again on XX/XX/XXXX and spoke to XXXX who told me they were still working on the dispute. On XX/XX/XXXX, I received a letter from Barclays stating they could not help me because " we are outside the permitted timeframes to continue this claim through the dispute process ''. The problem with that statement is, " we were outside the timeframes '' on XX/XX/XXXX when Barclays first acknowledged they were working on the dispute. If I had been told that in the beginning, I would have gone back to the merchant and tried again even though I have no confidence that would have changed anything. After XX/XX/XXXX, the opportunity for me to get any kind of refund from XXXX XXXX  had passed. Barclays ' advice in the letter on XX/XX/XXXX was to contact the merchant because they could not assist me any further. Second problem : I advised Barclays in the beginning that I was disputing the charge because I had been unsuccessful at working with the merchant. I'm filing this complaint because two of my friends booked the same trip at the same time and were given credits through their credit card issuers, XXXX XXXX  and XXXX XXXX. I want other consumers to know there are a lot of card companies out there and they should not use Barclays. I have been a customer since XX/XX/XXXX and I expected more.
Product: Credit reporting or other personal consumer reports

There are several errors on my XXXX, XXXX and TransUnion credit reports. They are as follows : Accounts are XXXX  XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX. The erroneous inquiries are 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
Product: Credit reporting, credit repair services, 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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Upon viewing my credit report, I noticed fraudulent activity and this is hurting my credit score.
Product: Credit reporting or other personal consumer reports

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.
Product: Student loan

Since at least XX/XX/2010, I have experienced unrelenting difficulties and obstacles in the adjustment and repayment of my private student loans serviced by Navient ( previously XXXX ). By providing bad information, processing payments incorrectly, and failing to act when borrowers complained, Navient has cheated myself and many others out of our right to adjust interests rates and lower repayments. Navient ( XXXX ) has failed to provide the most basic functions of adequate student loan servicing at every stage of repayment. When facing unemployment or other financial hardship, Navient ( XXXX ) systematically made it harder to obtain my right to a payment plan according to what I could afford. 

Navient has continually obscured information needed to adjust and maintain my lower payments, steering struggling borrowers toward paying more than they have to on loans. In turn, its subsidiaries made illegal misrepresentations relating to the federal loan rehabilitation program available to defaulted borrowers.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Account # : XXXX XX/XX/XXXX To Whom it may concern, On ( XXXX of XXXX ) I checked my consumer report and your company reported an alleged debt of {$25000.00} on my consumer report. I do not agree with the amount your company has put in my consumer report. Pursuant to 15 USC 1692g ( a ) ( 1 ), I am requesting the amount of the alleged debt, and how the amount of this alleged debt was calculated. Please keep in mind this is only a request for validation of the AMOUNT of the alleged debt pursuant to 15 USC 1692g ( a ) ( 1 ). Please be clear on where this debt originated, how it was calculated, and any supporting documentation that proves your claim is valid. Also please keep in mind that only the creditor is the person who can validate these debts. Pursuant to 15 USC 1692a ( 4 ) the term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed. Only a consumer like myself are the only people who can extend credit. So therefore, I have created the debt, but I do not own the debt. If you claim that I own the debt then please send me the instrument of indebtness with my professional signature of my name. Also please keep in mind numbers or ID numbers is not a signature. If you can not provide me this instrument of indebtness then the debt is not owned by me and this has to be removed from my consumer report. Please keep in mind I am not requesting that you send me proof of location information ( my place of abode ) I am only requesting the alleged amount of this debt you claim I owe, and how it was calculated plus the instrument of indebtness with my signature of me approving this debt. 

Best regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a car loan with Chase Bank. They have not reported the on time, full payments I have made to them for over two years. They have also marked my account derogatory to the credit bureaus AFTER I submitted requests to have accurate information reported. I have never missed a payment and I have never submitted a payment late. I have been trying to get this resolved over the phone and in person with three different bank managers and none will give me any assistance. They have also stopped sending me any kind of paperwork/emails about my account and payments made.
Product: Credit reporting or other personal consumer reports

The companies primarily of concern are XXXX. XXXX, XXXX. Transunion, and XXXX. XXXX. 
Theyve reported several egregious inaccuracies, so egregious that Ive hired several credit repair agencies to help. However, my concern is these agencies, in order to remain profitable, they require clients over a certain term. I recently paid off a XXXX collections ( XXXX and XXXX XXXX XXXX  via XXXX XXXX ( XXXX of which is not labeled a collection in XXXX ) ) ; and a major charge-off ( XXXX XXXX via XXXX XXXX XXXX XXXX XXXX was close to XXXX XXXX XXXX ( XXXX  years and XXXX  months ). 
XXXX has especially been problematic because they, for some insidious reason, display a duplicate of the same XXXX account I just settled and closed. Ive submitted the settlement letter indicating the status of this account via several disputes, spoke on the phone for XXXX minutes with various XXXX XXXX, and offered to provide and/or establish a telephonic meeting between XXXX and XXXX XXXX which XXXX expectedly declined. 
Ive done the work and made some difficult choices to correct my financial health. My job has limited me from certain aspects and tasks. I need these credit bureaus to do their due diligence in reporting, just as I have and still do on XXXX XXXX in serving and protecting this country.
Product: Checking or savings account

On XX/XX/2020 I signed up for a free month of a XXXX XXXX Premium Subscription, set to expire on XX/XX/20. At which point, I would have to pay for each month. The total for a year was set at {$570.00}. According to my documentation, should I have neglected to cancel prior to or on XX/XX/XXXX, I would have have to pay per month, not for a year up front. 

I never intended to continue my subscription, and even made a note to cancel my subscription prior to or on XX/XX/XXXX. At the time in XXXX, I had just found out that I would be losing my job at the end of XXXX, and therefore wanted to take advantage of the networking and job opportunities a month long free XXXX XXXX   Premium subscription would provide. 

For four days, I have tried to cancel my premium subscription and revert back to a free XXXX XXXX account. I have spent a handful of hours online at XXXX XXXX trying to cancel my paid account ( not CLOSE my account entirely ), as well as XXXX options to close my account. I have followed the instructions given to cancel my account by XXXX XXXX articles ; however, there is no " Cancel '' button on XXXX XXXX where indicated. When I finally found a phone number to call today ( XX/XX/XXXX ) for XXXX XXXX, there is an option 1 and 2. Both options do not lead to human beings, but direct you to go back to their website. 

I finally found a page where I could submit a claim/report. However, when I filled this out, the browser/connection refused to submit the claim. My wifi worked for other websites during this time, including other XXXX XXXX pages. It has been over an hour now since i attempted to submit a claim on their website and it still won't process. 

There is a transaction for {$620.00} pending in my Bank of America account by XXXX XXXX for what I assume is a year long subscription ( despite the fact that it is supposed to be for {$570.00} -- even though I don't want to renew at all ). I don't believe I should be charged any of this, since I have diligently tried to cancel my account since XX/XX/XXXX when it was to renew automatically. 

I got on XXXX about an hour ago to " XXXX at '' XXXX   XXXX..the only option I thought I might have to reach a human being about this transaction which I do not believe to be lawful. XXXX XXXX has clearly made it extremely difficult, if not impossible, to cancel a trial. I believe they have deliberately mislead consumers to inaccurate information in an attempt to make it impossible to cancel a paid subscription. 

I contacted my bank to see if I could dispute/halt the charge, but since it hasn't cleared yet, they can not take any action yet. 

Thank you in advance for your help and support. 

I can not afford to make this payment for a service that I never intended on using past XX/XX/20.
Product: Debt collection

I the consumer/ natural person and original creditor. SUNCOAST CREDIT UNION has violated the Fair debt Collections Practices Act and I have exhibits of the violating me the consumer. SUNCOAST CREDIT UNION is only a credit grantor which is someone who conveys ( to transfer or deliver ) property to another. Truth in Lending Act 15 USC 1602 ( g ) creditor refers only to a person who both extends ( lend to self ), whether in connection with loans, sales of property or services. Pursuant 15 USC 1602 ( p ) that there has been unauthorized use of my credit card by SUNCOAST CREDIT UNION that I authorize during consumer transaction but I haven't benefited from this consumer credit transaction. My benefits were taken by misleading and deceptive forms 15 USC 1692j ( a ) requesting payments. This herein affidavit of truth being serviced to you today and affidavit unrebutted standing as truth in commerce, so be it. If called upon to testify as a witness I the consumer and original creditor shall so state herein. This consumer credit transaction was unjust and I had not equity in it. Affidavit of truth and exhibits attached. Please note that an affidavit of truth not rebutted stand as truth in commerce. They also received my notarized affidavit in the mail XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

Taken out of forbearance without notification, reported delinquent to credit bureau and also transferred loan to new servicer. 

Hello : The issue is Dovenmuehle mortgage although granted a forbearance, reported my loan as delinquent to XXXX and therefore I got a big hit on my credit score which until then was very good. Please see attached credit report - ( _XXXX Personal ReportXXXX ). 

The forbearance was issued from XXXX to XX/XX/2020 but they went ahead and reported me delinquent for 60 days. ( Attached is their letter for forbearance - Letter from Dovenmuehle granting forbearance - XXXX ). 

On XXXX, I sent them a certified letter asking for extension of the forbearance for which I did not receive any response back. Attached is the letter. 

On XXXX and on XXXX they sent me 2 debt collection letters ( also attached ) but on XXXX ( in between the two letter mentioned previously ), they sent me another letter saying that I opted out of forbearance. I never did email, call or send a letter asking to discontinue forbearance and neither did they attempt to get in touch with me via any communication method. After receiving their letter dated XXXX, I called their Loss Mitigation department on XXXX, spoke to XXXX who said she rectified the forbearance expiration to until end of XXXX. 

On XXXX, I received a letter from Dovenmuehle that my mortgage has been transferred to XXXX. Since then I contacted the Dovenmuehle mortgage customer service over the phone a few times but the agents were not able to help me saying that they did not have access to my forbearance information. One agent told me that the previous request with XXXX was still pending for over a month and no action was taken although XXXX told me that she granted me forbearance. 

On XXXX XXXX I contacted them again and asked for a supervisor and they would not connect me and they took down my name and number and said someone would call and no call as yet and it is XXXX of XXXX. I also wrote them an email on XXXX to have them call me back or resolve my issue and have not heard back. I believe this is bordering on fraud that they took my mortgage out of forbearance to sell the loan. Need your assistance and help on this as I have exhausted all avenues with Dovenmeuhle.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the accordance with the fair credit reporting act XXXX XXXX ( XXXX XXXX ) Account # XXXX has violated my rights. 

15 U.S.C 1581 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

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have filed several disputes to have incorrect info taken off of my report from experian and XXXX XXXX but have been unable to. Requested company send me a debt validation letter but all I receive is summary of account from debtor. Would like to see who open account date account was started last activity on account. My address is being reported wrong as well names on account. Was told I had to contact every company because they were reporting address wrong I receive all my bills at correct address will provide copies if need be. Employer reported wrong also. Please help resolved before I seek damages from all companies and people involved.
Product: Credit reporting or other personal consumer reports

Usually I have my credit paused because of events like this but I was just hit with two different inquiries from banks I dont have accounts with. I unfroze my credit to get another XXXX XXXX  on XX/XX/year>, then got inquired from both XXXX XXXX and Citi also.
Product: Credit reporting or other personal consumer reports

Thank you for your prompt attention to this matter. Please feel free to contact me at [ XXXX or [ XXXX ] if further information is required. Sincerely, XXXX XXXX [ Enclosures : Credit Report Highlighted, Supporting Documentation ] This letter is tailored to the specific inconsistencies shown in the provided document. If you'd like, I can refine it further or assist with submitting the dispute.