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

The discovery of the violation of my consumer rights was brought to my attention last year and I began attempting to resolve this issue directly with Barclay in XX/XX/XXXX, however, the violation has been confirmed in effect since XXXX. This account was Closed by the creditor with a balance in XX/XX/XXXX ; this means the existence of the online account is still active, but they have refused to comply with granting access to view statements as well as denial of requests to opt out of paperless statements. I have paid well over what I originally owed on the account as well as an unfair excess due to the unjustly imposed late fees and interest directly resulting from their refusal to abide by federal law and extreme hardship in attempting to contact customer service and/or obtain assistance when actually reached. Despite asking for Terms & Conditions several times and being told these can ONLY be mailed, they were never received. 
Attachments include summaries of a selection of calls ( demonstrating the consistent misdirection, unfulfilled requests, and downright lies and bullying by both reps and managers ) ; copies of the emails received that reps claim to meet requirements for sending statements ( Emails are ONLY notifications that my statement is ready and can only be accessed by logging into the accountwhich I cant, because they a ) refuse to provide the information required to reset the login and/or lie about how to obtain the information and b ) even if it was restored, I have been informed statement access is denied for limited online access. ) I have not been able to monitor charges by Barclay or properly manage payments for 4 years due to their deliberate refusal to provide access to statements. I have confirmed with CSRs, managers, and other cases filed that this is a KNOWN issue and deliberate ( for those that are even aware of it and not the reps that are trained with false and misleading information ). I had to assign a proxy to assist with this matter due to the severe impact on my work, limited availability to remain on hold for hours, repercussions of this taking up work hours, and extreme impact on personal time and appointments to continuously review materials and research with counselors. I have avoided making this an official case with my legal representative to try to give Barclay a chance to resolve this on their own and avoid additional expense for both parties, however, I do not believe any progress will occur without official intervention and would still like to provide them an opportunity to resolve this first. Therefore, I am requesting assistance in the enforcement of the Credit Card Accountability Responsibility and Disclosure Act of XXXX, Regulation Z, as Barclay Bank clearly continuously transgressed 226.5 ( b ) ( 2 ) ( ii ), " 21-Day Rule for Delivery of Periodic Statements '', both paper and electronically, and the Electronic Signatures in Global and National Commerce ( E-Sign ) Act, 15 U.S.C. 7001 ( c ) ( 1 ), refusal of the right to withdraw consent for electronic delivery and resume paper statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

On X/X/2017 I mailed a dispute letter to TransUnion regarding a Tax Lien showing on my credit report. TransUnion signed for this letter on X/XX/2017 as proven with USPS tracking ID : XXXX. <P/>On X/XX/2017, I received a notification that the tax lien was " verified '' Absolutely no documentation or proof was sent with this " verification '' notice that the debt is mine or is being reported accurately. <P/>On X/XX/17, I sent yet another letter to TransUnion, requesting their method of verification, the name and telephone number of who they verified the information with and specific instructions to provide me with the documents that support their reporting. TransUnion signed for this letter of X/XX/2017 as verified with USPS tracking ID : XXXX. <P/>Today, X/X/2017, I received yet another notification that this tax lien has been " verified ''. Again NO DOCUMENTATION WAS ATTACHED TO SUPPORT THE REPORTING OF THIS PUBLIC RECORD. <P/>The Resolution Summary states the source of the public record is a courthouse, however, upon contacting the courthouse listed on my credit report prior to filing the dispute, they stated the court does NOT report to the credit bureaus and therefore, could not help me with the issue. To further complicate matters, TransUnion then sent a separate letter on X/XX/2017 stating they use a third party to verify their information but did not list who that third party is. As a consumer, I have the right to know, who is reporting negative information against me and where that information came from. <P/>As I read through the new credit report provided to me today ( X/X/17 ), the tax lien listed states that the information was updated on X/XX/2017 ( which is the day they signed for the second letter ) which indicates to me, no further validation was done on this item in question after my second letter was received.
Product: Debt collection

Kohls/Capitol One Account number : XXXX I have disputed this account also called the Collector to ask them to remove this account. It was removed and put back on my report. I did not open this account and was unaware of the CFPB. I just became of aware of the CBPB and this is the reason for this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had thought this situation was resolved. I was on my XXXX XXXX and see XXXX/XXXX XXXX says I have a balance of {$440.00} with a XXXX limit. This account was paid for and closed to my understanding so I do not know if there was fraud involved or what the situation is. To my knowledge I do not owe them anything. They are saying that I had months of late fee 's however I had paid this off and closed the account so how can I have late fees after the account Is closed? 

I am hoping this situation can be resolved so that my credit can appear accurate. 

If I do owe anything it would be very minimal but I don't believe I owe them anything for the reasons stated above. 

Thanks, XXXX
Product: Mortgage

The mortgage company is not applying payment correctly then assessing late fee to the account. Then I have to call and ask them to apply the payment correctly and told it will take 5 business days to do a simple transaction of re-allocating the fund.
Product: Mortgage

I received a Covid modification due to being affected by Covid. At the time of the modification, I complained to XXXX XXXX that I was not supposed to be charged back interest or for the payments that Shellpoint made on my behalf from escrow. Shellpoint refused to make the changes to the modification and XXXX XXXX said that I had to work it out with the lender. 

In the 1098, Shellpoint shows the principal balance on my loan is {$65000.00}. It shows interest paid is {$8200.00}. 

However to me, Shellpoints statement interest of {$10000.00} on my statement dated XX/XX/2022. It shows the principal is {$75000.00}. This means that Shellpoint is not being honest with either me or the IRS. The overpayment in interest for the year means that I should get a refund from Shellpoint.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I submitted request for Experian to remove this incorrect reporting from my credit. Experian sent me back a notification they send everyone which was they verified information and the outcome of the results included the status remains the same. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  opened on XX/XX/ with an amount of {$5600.00} This negative reporting is hindering me from accomplishing goals I have set forth also causing a great deal of damage to my credit profile. 

On XX/XX/ I sent a follow up notice to all credit bureaus and as of today this negative and fraudulent item remains on my report.
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, 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: Bank account or service

Money never returned promised otherwise. Nobody even looked into my case, i have emails from numerous representives telling me many lies and controdicting one another.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon recently checking my current credit report I noticed some unfamiliar items that need to be removed. The accounts listed below are reporting inaccurately on my credit report and is in violation of the Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified or reported inaccurately. '' The law is noticeably clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately : XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 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

This is XXXX XXXX and I am submitting this complaint to you today to request that the remaining fraudulent items be removed from my Credit Report. I appreciate your time to REMOVE some of the information in my file that resulted from the identity theft but I have ITEMS left that need to be removed. Per FCRA section 605 the Credit reporting Agencies are required to remove any items listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification. I need the dispute remaining items deleted completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I has been over 6 months that I have submitted documentation to Equifax  to have inaccurate information removed from my credit. I have repeatedly filed a complaint with this company. The inaccurate still remains on my credit. I have been hesitant to apply for a car and a place to stay because equifax is a major person in credit. On XX/XX/2019 I was approved for a place but I was considered a high risk due to equifax inaccurate reporting. I called and spoke with an Agent and her supervisort ( Agent number who could not verify me because I have 2 credit reports in my maiden name and married name. Equifax   keeps telling me its one account but I can not verify myself. equifax   continue to mail me two in different names. 


I have contacted this office and found and nothing has been done issues on my credit report I was told should have been off a long time ago
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. 15 U.S. CODE 1692e - False or misleading representations XXXX Account Number : XXXX Update to Open/Never late 2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Delete this account. 


3. there is some inaccurate information reporting XXXX Account XXXX : XXXX Delete from my credit report. 


4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete from my credit report.
Product: Credit reporting or other personal consumer reports

I am the co-signer of my daughters student loan with Sallie Mae. Last year XXXX we reach out the when we found out my daughter would not be able to pay the full amount now that Covid was over. She was paying {$420.00} per month and her new amount would have been {$820.00} per month starting XXXX. At that time she was unemployed and I had just retired so I couldnt help her. We were told theres nothing they can do until it goes to the collection dept. Meanwhile everyday they would call and I would tell the the same thing. My XXXX died in XXXX and I ask them to give us some time to grieve and get our finances together which they didnt because they were calling everyday and I ignore the calls. Finally I buried my XXXX  in XXXX. In XXXX I finally responded to one of their phone call. I was told I was being referred to the account manager. We spoke. He took some information from me. He said I can put you in a program but you would have to pay XXXX consecutive payments of {$480.00} for the next XXXX months and then after that for XXXX years at a lower interest rate. I agreed and thought ok thats that. I notice I was still getting the phone calls but I ignored them because I know they have been getting the payments. Then my bank sent me a notice there was a drop in my credit score because of delinquent payments. I was surprise because I know they were taking out the payments monthly. I reached out to Sallie Mae was told dont worry about it it will clear up after XXXX because thats when youll be finish with your third payment. XXXX come I go to apply for a car loan was denied because of recent delinquent payments. When I check my report there were XXXX delinquent payments because of there are XXXX loans. As a result I had to pay {$2000.00} extra to get a car loan because my credit score took a big hit because of what they reported. When I finally spoke to someone regarding what happened the only thing I was told was whoever I spoke with gave me wrong info and theres and outstanding balance that I need to pay to get me uptodate and stop the delinquent notice. That mistake cost me thousands of dollars and will be on my credit report for awhile. What about accountability. At no point in time did anyone that I spoke with mention me having to pay additional money to bring my account up to date until I reach out again after the XXXX delinquencies. How can you be delinquent while making payments?
Product: Checking or savings account

CITI BANK NA. DECIDED TO CANCLE ONE OF MY DEPSOIT AND MARKED IT AS FRAUDLENT. AND MY ACCOUNT WAS MARKED FOR CLOSURE. I HAVE ALWAYS USED SAME ACCOUNT FROM XXXX XXXX XXXX  TO CRDIT FUND TO MY CITI BANK ACCOUNT. THEY CLOSED MY ACCOUNT TOOK ALL MY ACCESS TO VIEW MY STATMENTS OR ACCT ONLINE. WHEN I CALLED THEY ADVISES A LETTER WILL BE SENT TO ME IN 7 DAYS ON XX/XX/2023. WHICH IS 80 DAYS NOW AND I HAVE NOT RECEIVED ANY COMMUNICATION FROM CITI BANK. I HAVE CALLED MANY TIMES TO GET MY FUNDS. THEY TREATED ME LIKE CRIMINAL AND NOW ADIVSING ME TO CONTACT MY ISSUER BANK FOR THIS FUNDS TO BE REPULL/OR START A CLAIM WITH THEM. ISSUER BANK XXXX XXXX XXXX IS SAID THERE IS NOT SUCH A THING THEY HAVE AND THEY SAID THEY HAVE NOT FLAGGED ANY ACITVITY AND NOT AWARE WHY CITI IS HAD TO CLSOSE MY ACCOUNT. ALL I NEED IS TO GET MY FUNDS BACK SO I CAN PAY MY BILLS AND NOT GET CHARGED LATE FEES.
Product: Debt collection

Keep harassing me reflected negativity on my credit insurance company paid off debt
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report recently, I discovered several items that are unverifiable, invalidated, inaccurate, or questionable. These discrepancies have caused significant distress. 

Under the Fair Credit Reporting Act ( FCRA ), all information on my credit report must be 100 % accurate. The accounts in question are in violation of FCRA sections 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), which require accurate reporting.

I have attached copies of all correspondence sent to your agency regarding these discrepancies. I request an immediate investigation and removal of these inaccuracies from my credit report.
Product: Mortgage

I refinanced my home in XX/XX/XXXX to a lower interest rate. Several weeks before closing, as instructed by my new mortgage company, I contacted the old loan company " Specialized Loan Servicing '' and instructed them not to pay my real estate taxes as the new company would be paying them for me during closing. They said they noted my account and this would not be an issue. They still ended up paying my real estate taxes to the county tax collector. This created a duplicate payment of {$1800.00} that was sent to the local tax collector ( XXXX XXXX XXXX. 

I have been following up with Specialized Loan Servicing on this issue since XXXX and been told may different stories. The main story is that they still haven't received the refund check from the local tax collector XXXX XXXX XXXX Tax Collectors Office ). I called on XX/XX/XXXX and spoke with a supervisor at the Tax Collectors office that looked everything up and verified that the refund check was sent and the check has cleared their bank. The supervisor provided me with the following information : Check # XXXX, XXXX {$1800.00}, Cleared on XX/XX/XXXX. 

I have made over 20 calls to Specialized Loan Servicing regarding the funds that belong to me in the amount of {$1800.00} and still have no ETA on when I will receive my money back. The company needs to go back and listed to the multiple " recorded calls '' I have made to their company.
Product: Checking or savings account

Complaint Against Bank of America Withholding Funds After Account Closure I have been a Bank of America customer for XXXX XXXX, receiving my direct deposit from work and using this account to pay rent, food, and essential living expenses. I have never engaged in any illegal or suspicious activity. 

Timeline of Events : XX/XX/year> : My debit card was suddenly declined with no warning. 
I called Bank of America, and they informed me that my account was being closed with no explanation. 
They initially said I would receive a check for my {$600.00} balance in XXXX, which is completely unreasonable. 
After I protested, they said I would receive my money in XXXX XXXX XXXX instead. 
They also agreed to let me go into a branch to withdraw my cash. 
XX/XX/XXXX XX/XX/year> : I have called Bank of America every single day since XX/XX/XXXX. 
Every time, I was told my money would be available soon, but no clear explanation was given for the delay. 
XX/XX/year> : The initial XXXX timeframe has passed, and now they are saying it will take another XXXX XXXX XXXX 
Despite their agreement, I have not been able to withdraw my funds at a branch as promised. 
Impact of This Delay : I have no money for food or gas to get to work. 
My rent is due, and I am at risk of XXXX because my funds are being wrongfully withheld. 
Bank of America keeps moving the goalpost, preventing me from accessing my own money and causing extreme financial hardship. 
Resolution Requested : Immediate release of my {$600.00} balanceeither by check, electronic transfer, or withdrawal at a branch as originally agreed. 
A formal written explanation of why my account was closed and why they are withholding my funds. 
Accountability for misleading me about the timeline and failing to honor their promise to allow a branch withdrawal. 
Bank of Americas actions are causing severe financial distress, and I request urgent intervention from the CFPB to ensure they release my money without further delay.
Product: Credit reporting or other personal consumer reports

" I am disputing and investigating these wrong accounts on my credit file, I should get {$1000.00} for each mistake under the Fair Credit Report Act, FCRA 6058 says we must report wrong accounts on credit report. "
Product: Credit reporting or other personal consumer reports

I am a survivor of XXXX XXXX filing this complaint against Equifax following its previous denial of my request to block adverse information on my credit report due to a dispute over my documentation. To meet Equifaxs stated requirements under Regulation V, I am now submitting a declaration affidavit affirming my status as a trafficking survivor. Additionally I am attached and " Victims Determination Affidavit '' which has been reviewed, accepted, and officially entered into the court record as evidence, and certified by the XXXX XXXX XXXX XXXX. This documentation aligns with Equifaxs and Regulation V 's guidelines for recognized trafficking documentation and has been provided in connection with an active case, in which a central issue is my status as a trafficking survivor. The remaining adverse information has created barriers to essential resources, including housing and employment, that are critical to my recovery. I request the CFPBs assistance to ensure Equifax complies with Regulation V by blocking this adverse information and updating my report to reflect accurate information, supporting my right to a fair and accurate credit report as I rebuild my life.