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

For nearly all of 2017 thus far I have not been able to access my credit card statement for my Barclays ( Barclays Arrival+ card ) - I am signed up for electronic billing and I get emails letting me know my statement is ready but every time i try to access it from the site after logging in their website gives me this error : " We 're always updating our website which sometimes makes hotlinks out of date. Visit www.BarclaycardUS.com to locate our most current pages. '' I have messaged the company via the site and phoned in and have not gotten any resolution at all. I have the same problem in all internet browsers and on both XXXX and pc platforms. <P/>Not being able to view my statement means i have no way of seeing what portion of my bill is subject to what interest rate among other details I have the rights to see.
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 USC 1681. 

I told the XXXX, XXXX and Equifax to reinvestigate these accounts : XXXX XXXX XXXX account # XXXX  XXXX XXXX XXXX account # XXXX  XXXX XXXX XXXX XXXX account # XXXX  XXXX XXXX XXXX XXXX, XXXX acccount # XXXX  XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX  XXXX XXXX XXXX XXXX account # XXXX  XXXX XXXX  account # XXXX XXXX XXXX XXXX accout # XXXX XXXX XXXX  XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX  account # XXXX  XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX account # XXXX  XXXX XXXX XXXXXXXX XXXX account # XXXX XXXXXXXX however they stated everything was complete and accurate. But how is that possible if the open date, date of last activities, the addresses on files and much more is incorrect. 
according to 15 USC 1681i ( 5 ) they are supposed to modify accounts that is not reported correctly or delete them.

15 USC 1681 SECTION 602 A. states i have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 the records of convictions of crimes which antedates the report by more than seven years.

15 USC 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: Credit card

I have been a customer with Capital One for over XXXX years. This was my XXXX  credit card when turning to an adult. With that being said, recently I opened additional credit card with them and had no issues. I also have a checking account with them which i barley use and multiple times when i make a payment it reverts to my capital one checking account instead of my XXXX XXXX checking account for my payment. Mind you that i made several payments prior to my credit card payment being due. Since i have made several errors with my payment method, capital one closed both of my credit cards, due to returned payment. 99 % of those returned payments was because of the system auto filling it to my capital one checking account and not my XXXX XXXX checking account. This is my error as well which once i see the mistake was made, I immediately go back on the app and re-submit my payment from my XXXX account. Them closing my XXXX credit cards for this mistake caused a negative impact to my credit and also created a negative affect to my financials. I am seeking Capital one to reopen my credit card accounts and also report it to the credit bureaus.
Product: Mortgage

About a year ago NewRez misapplied one of my payments. It took weekly calls for about 2 months to get them to realize the issue was on their end, fix the payment issues and remove the late fees. Now I am trying to refinance my loan and have discovered that I also have late payments on my credit report related to this issue. I have been attempting to get NewRez to fix the late payments on my credit reports with the credit bureaus for over a month. Thus far, I have gotten no useful information from NewRez Customer Support during any of my repeated calls to fix my credit report. Many times the responses have been contradictory to information I have been given in previous calls. In my most recent attempt, New Rez Customer Service told me I need to speak with Loan Servicing but Loan Servicing does not have a phone and will not contact me. ( I know, right? ). I had been told in previous calls that my issue was being worked and was in a pending state. When I asked what the case/ticket/reference number for my issue was I told there was no tracking number that I could refer to ( not like it matters, I guess, since I can not contact loan servicing and they will not contact me ). Other than having the misfortune of having NewRez purchase my loan, I have done nothing wrong but I have wasted numerous hours trying to get NewRez to fix their own internal issues. Now I am also wasting money waiting for NewRez to fix my credit score so I can refinance the loan.
Product: Money transfer, virtual currency, or money service

on XX/XX/XXXX I used the XXXX app to pay a merchant of accounts for an online video game, I sent XXXX dollars. The merchant refused to send me the account that I paid for and started demanding more money. on XX/XX/XXXX I attempted to have a charge back done on my citibank card and was prompted to ask the company XXXX for a credit to my account. I received a reply from XXXX on the XXXX stating that there was absolutely nothing they could do and all transactions are permanent. My complaint is both with Citibank and XXXX. XXXX is allowing fraudulent users to break their own terms of service as I was told on the XXXX that XXXX does not support merchant services on their app. Citibank will not authorize a charge back of these payments as a result of XXXX unwillingness to comply.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, I have contacted you and the XXXX credit reporting Transunion, XXXX, XXXX companies about charge off and stating past due on my reports all have stated verified, a closed account that is an opened account can not show payment history also I have request a 1099c seeing how this account was charged off XXXX am disputing the accuracy and validity of the charge off. I assert that the information you are reporting is inaccurate, incomplete, and violates the fair credit reporting act { FCRA } 15 USC1681et seq., and the Fair Debt Collection Practices Act { FDCPA } 15 USC1692et. seq. I contend that the charge off is invalid because credit first has failed to provide adequate evidence of the debt 's existence, legitimacy, and proper reporting. I see on all three reports the debt was forgiven or written off this debt as income, as evidenced issuance of a form 1099c, Cancellation of debt. Under the Internal Revenue code 1099 c form represents the cancellation of debt and could indicate that this debt is no. longer legally enforceable. under 15USC1692g { a } I was debt validation the following items1 proof that I owe the alleged debt 2statment the debt was no discharged in through bankruptcy 3 date of discharge 4 any document of a 1099c issued in connection with this debt if information can not be provided I request that this account be removed at once from my credit report. this could be fraudulent reporting
Product: Credit reporting or other personal consumer reports

UNAUTHORIZED INQUIRIES : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had multiple frauds alerts, inquiries and accounts attached to my credit. These negative accounts are dying my credit. Ive continuously contacted the company to have the removed off of my report. At this point its beconing very frustrating. They have been closed and discharged but the fact that they are there is still hurting me. I would love if they could just please be removed. The customer service that Ive been experiencing with TransUnion has been horrible! Theyve been giving me the run around, and barely wanting to speak with me. It is so unfortunate that I am dealing with this.
Product: Debt collection

I disputed this debt with the credit bureaus because it is medical debt, which is prohibited from being reported on credit reports pursuant to a new rule. Rather than remove this illegally-reported debt upon receiving my dispute, MEDICAL DATA SYSTEMS INC knowingly , intentionally, and maliciously attempted to circumvent the law and cause me further financial harm in violation of CFPB rules by deceptively changing the type of debt from " medical debt '' to " collection. ''
Product: Credit card or prepaid card

XX/XX/XXXX Reported Fraud card XXXX XX/XX/XXXX New card end XXXX issued XX/XX/XXXX Reported Unauthorized Charges on card end XXXX XXXX XXXX  XX/XX/XXXX {$49.00} XXXX. XX/XX/XXXX {$12.00} NEW CARD ISSUED XXXX XX/XX/XXXX Reported Unauthorized card end XXXX XXXX XXXX XXXX {$25.00} {$12.00} No NEW CARD ISSUED XX/XX/XXXX Reported Unauthorized card end XXXX Merchant Security Unknown Unauthorized XXXX {$9.00} {$25.00} XXXX {$28.00} XX/XX/XXXX {$47.00} XX/XX/XXXX {$34.00} XX/XX/XXXX {$21.00} No NEW CARD ISSUED UNTIL XX/XX/XXXX card end XXXX Reported Unauthorized on XX/XX/XXXX Merchant Security XXXX {$120.00} XXXX XXXX XXXX {$110.00} XXXX {$75.00} {$170.00} XXXX XXXX  DUPLICATE CHARGES from Fraud of XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Security of {$230.00} XXXX XXXX. XX/XX/XXXX Reported Unauthorized XX/XX/XXXX {$190.00}. My card changed end XXXX When USAA reported my data breached Why was I left with card UNAUTHORIZED REPORTED FOR 2 FULL MONTHS? XXXX. XXXX and XXXX I was using a Compromised card but Unaware XX/XX/XXXX and XX/XX/XXXX remained end XXXX UNTIL XX/XX/XXXX changed to XXXX Then USAA issued Breach end XXXX USAA DOES NOT PROVIDE ACCESS TO ON LINE due to my XXXX CALLING IS THE ONLY OPTION THEY GIVE CALLING NEVER RESOLVES
Product: Credit card or prepaid card

In XX/XX/2018, have applied for carecredit under Synchrony bank for a XXXX XXXX in the amount of {$1500.00}. The total cost of the XXXX XXXX  was {$1300.00}, and this is charged on the XXXX of XXXX 2018. I was informed multiple times by the worker at the dental office and the representative of carecredit that this load has no interest and the load will be pay off in 18 months. They recommended me to enroll in autopay to prevent late payments, so I did. After 20 months, they continue to charge my card, and after reviewing the online statement which they sent to me with little to no information in the email body. I discover that I currently still have a remaining balance of XXXX, which was more than what I start off with. After contacting them, I was told that the zero interest promotion ended in XXXX ( which I was not informed or contacted by anyone ). They told me that the minimum payment that I make every month is not sufficient to pay off the loan in full, and they place a XXXX dollar interest charge on my account in XXXX. After further investigation online I found that Carecredit had history of this ill behavior, and was charged by CFPB to refund XXXX XXXX dollars. They fail to follow the enforcement of " representatives will contact most CareCredit consumers within 72 hours of the initial transaction to explain the product to them over the phone. In addition, for certain transactions of more than {$1000.00}, consumers will enroll directly through a CareCredit representative and not through the doctor or dentist office representative. '' I talk to them about such matter, but the representative was rude and insist that I have full responsibility for the balance. He threatens to hurt my credit score, so I have no other choice but to pay the amount in full at this time.
Product: Debt collection

I am submitting this complaint because I am being extremely affected by CREDIT MANAGEMENT , LP, They are being completely unfair and I dont know how to get ahold on them but through this portal. 

This what happened : I sold my home at XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX in XXXX of XXXX where I was listed as the account holder with XXXX XXXX XXXX After moving they generated a final bill which was never relayed to me. Although we moved to our new home of XXXX XXXX XXXX, XXXX XXXX CA and started XXXX transferred our XXXX service to that address., XXXX XXXX XXXX never transferred our old bill to our account for payment which resulted in us not knowing we had an open balance showing Final bill was not sent. 

Last year the person who lives at our old house sent me some old XXXX bills, this is how I found out that there was an outstanding bill. 
In XX/XX/XXXX he called XXXX to setup payment plan. He paid {$400.00} in XXXX, I was led to believe they would take out the monthly payment automatically in an installment plan but I later found they failed to do so. 
And the collection company didnt send me any notices eithe Account information. : Date Assigned XX/XX/XXXX Original Balance : {$930.00} Responsibility : Individual Solution : Deletion account from all credit bureaus and waive the balance.
Product: Mortgage

My Mothers mortgage went into default due to hardship. I contacted Wells Fargo requesting the steps to assume or modify the loan and explained my intent was to keep the home. I spoke with numerous people at Wells Fargo. I was informed that we can apply for a modification and or other alternatives in order to keep the home. They assigned a Home Preservation Specialist by the name of XXXX XXXX. She started the process and then stated that because the mortgage is on my mothers name it could only be done with her. She stated so it ca n't be done. Several calls back in forth no success. I contacted Capital Law Center XX/XX/XXXX they received initial payment via invoice even up to XX/XX/XXXX, and seemed as if they were getting the process rolling as I thought, until I find out I was scammed, with no return calls or notices. Next day of XX/XX/XXXX, received an advertisement on foreclosure, concerned I searched the internet and found out that the house will be auctioned on XX/XX/XXXX. I wanted to assume mortgage under my right according to The federal Garn-St Act of XX/XX/XXXX. The Act prohibits enforcement of a due on sale clause in certain transactions such as : a transfer from parent to child. They failed by not allowing me to assist in keeping the home.
Product: Money transfer, virtual currency, or money service

I was not aware that I owed this company this much..Its been years & Ive been thru a divorce so Im trying to get all my past due bills took care of ... And this company XXXX XXXX XXXX would not work with me so they turned it over to collection agency called Plaza Services & the opening date says XXXX-XXXX-16 so Im lost with that date cause I have not took any money from any company but one in years..The amount its stating I owe is XXXX
Product: Credit reporting or other personal consumer reports

Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have received two envelopes XXXX XXXX XXXX XXXX XXXX XXXX ) which had the request to submit one Government ID and One item to validate my address. Since I will use my drivers license for my address. I will use my XXXX passport as Government issued ID ; even though I am not sure whether foreign passport is valid in the United States. I used to send to the headquarters of your company since I have decided to send the important personal information only to the headquarters. As I have sent already some of identification, which were drivers license and social security number, to your office before, I have some strong concern why you need this above-mentioned identification. I will send these documents for the security freeze, which other credit companies, even in one based in California, already added security freeze last year with notary. If you have further doubt, it might be better to ask me to have the notary service by preparing the official document by yourself. Also, your office sent one document, research request form, with both documents. I strongly believe your company used to send the credit report until, at least, at the end of last year, which had the bank accounting numbers, and credit numbers. I believe your headquarters should have them. If not, your company had some hacking and lost all or breached by somebody. 
Sincerely,
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX  someone gained access to our Capital One UnionPlus credit card and made unauthorized transactions. The individual who hacked the account was able to change our address to his, so we did not realize the account had been compromised for several months. We discovered the problem when our credit score plummeted. We reported the matter to Capital One who acknowledged the problem, and after an investigation and numerous calls agreed that we were not responsible for the charges. 

We have repeatedly asked Capital One Union Plus to contact the credit bureaus and report their mistake, which they have thus far failed to do. Our credit scores went from about XXXX to about XXXX. Again they have acknowledged we are not responsible for the charges in question, but they have thus far refused to correct the reports they sent to the credit bureaus. Between my wife and I, we have called Capital One at least a dozen times. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting

I am writing to request that a debt be removed from my credit report as it 's been seven years since the date of last activity.
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 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I am trying to tread with my stocks and i can't do so with you all not being able to let my acoount connect toit
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had 5 late payments on an account that I was never late for consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and provide proof with statements showing that these payments were late. If proof can't be provide I demand these payments be updated to on time as they should be as I was NEVER late. Thanks
Product: Mortgage

Can someone please let me know whats going on with My application. I have not heard back from anybody in a while, I heard from a lady named XXXX she says much shes my caseworker and would call me within seven days I would hear something but its been over a month. I applied on XX/XX/11 received my confirmation number. I called my mortgage company Suntrust Truest bank they have no clue about this program.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXXXXXX Balance Owed : {$6200.00} XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXX Balance Owed : {$3700.00} XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX  XXXX XXXX Balance XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting the account type as an auto loan this is factually incorrect because The account you are reporting is identified as an " installment loan '' which is factually incorrect. The true account type for this account is a " Credit sale Agreement '' I have the right to an accurate credit file and discrepancies like this are unacceptable. It has been now 5 months and have failed to respond. I am attaching a Copy of all letters sent below. 


FSNB, NA has failed to validate that this account is reporting maximum possible accuracy per the FCRA and This account was paid and the creditor agreed to remove it from my credit report. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Debt collection

A company Bull City Financials is trying to collect a debt that was previously owned by another debt collector named XXXXXXXX XXXX XXXX Acct # XXXX. Back in XXXX I filed a complaint against XXXXXXXX XXXX XXXXXXXX and requested the credit bureaus do a thorough investigation into my file. This debt was removed from my file due to identity theft. Since XXXX XXXX XXXXXXXX could not collect this debt they sold it to Bull City Financial which is now reporting the exact same debt on my file. I disputed this with the credit agency and Bull City and both are lying saying that they have verified this debt but neither party has presented me with any documents showing where I entered into a relationship with this company. If you have claimed to verify my debt, respond to this request with a signed contract. Under the fair credit reporting act you are required to send me verifiable proof that this debt belongs to me. I am requesting a reinvestigation. If you can not furnish proof of a valid contract between myself and bull city you need to remove this from my file immediately.