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

Barclays Bank Delaware is the provider of XXXX XXXX Mastercard. 
Every time I go to the Barclays Bank of Delaware website the reporting of credit card information is inaccurate. The Credit Line less Current Balance NEVER equals the Available credit. Example today : Website reports : Credit Line = {$500.00}, Current Balance = $ {$320.00}, Available Credit = {$0.00}. Does NOT add up. Never does. 
Previous statement Balance = {$250.00}, Purchases ( posted ) = {$960.00}, payments ( posted ) = {$890.00} leaving balance of {$320.00}. Credit Line of {$500.00} less balance of {$320.00} should equal Available Credit of {$170.00} NOT {$0.00}. Even accounting for " Temporary Authorizations '' of {$16.00} the Available Credit should be {$160.00}. NOWHERE on the website is there an explanation of why Credit Line less Current Balance does not equal Available Credit. Fraudulent and highly unethical.
Product: Credit card

A payment was successfully made on XX/XX/year> for the amount of XXXX so I know the accounts are linked and work successfully. There were also no problems for all the other payments before this. A payment for XXXX was made on XX/XX/year> for XXXX and was not accepted by XXXX/wells fargo. Another payment for XXXX was submitted on XX/XX/year> with the same result. Another payment was submitted on XX/XX/year> for XXXX with the same result. I noticed my account balance was still not updating after these payments and an adjustment was added back onto my account to return my balance to what it was pre payment. So I thought maybe there was a problem with my bank. I have XXXX bank accounts on my wells fargo credit card account so I attempted to use both of them. Both accounts had over XXXX in them, more than enough to cover my bills but the payments were still not being accepted by XXXX/wells fargo even though they previously had. Wells fargo/XXXX then placed a hold on my account and began to chage me late fees for what they said was bounced payments even though both bank accounts could cover the amount due. Just to double check something wasnt wrong, I called XXXX XXXX  and XXXX XXXX XXXX  to check if there were any bounced payments. Both confirmed there were no bounced payments and that everything was fine on their end. I have been able to make payments to other people and other cards just find. XXXX/wells fargo are the only people having issues. When i spoke to bilt/wells fargo on the phone they were asking me to show proof of payment with my credit card statement and to fax it over to a department that is unreachable by phone. The agent could not tell me anything about what was happening or what to do and just said he had no say and I needed to fax a statement over the bank showing I paid the balance. It needed to be a paper statement that you get at the closing of your bill each month. What they are asking for impossible because when the payments are made, the balance shows as being deducted from my account in the app as pending but then the payment charge drops off, so its never included in the final statement. They wont accept a screenshot of the app and there is no way to contact the department that I need to contact. Since none of these payments are being accepted, they have begun to charge me late fees and interest on my account balance. They are threatening to close my account because of an error on their side. XXXX separate banks say I have no bounced payments and there is no way to contact the correct department at XXXX/wells fargo XXXX
Product: Credit reporting or other personal consumer reports

The Following accounts XXXX XXXX Account Number XXXX XXXX XXXX BANK Account Number XXXX XXXX XXXX Account Number XXXX have been deleted from XXXX BUT are still reporting on XXXX and Equifax credit reports inaccurately. The law says every Credit Bureau must report complete and accurate data on my credit report.
Product: Checking or savings account

There was a {$19.00} fraudulent charge on my business checking from XXXX. I called customer service and they didnt bother to handle the claim. Im requesting chase satisfy their Reg E requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I disputed a collection account with Experian that is reporting inaccurately on my credit file. On XX/XX/2022, Experian reported that this account has been updated and " verified ''. On XX/XX/2022, I sent Experian a letter to request the description of procedure used to determine the accuracy and completeness of ACCOUNT NAME - XXXX XXXX XXXX XXXX / ACCOUNT # XXXX. 

On XX/XX/2022, Experian opened a re-investigation of the above-mentioned account. I stated in my request " This is NOT a request for a re-investigation, I am invoking my right to request a description of the procedures used to determine the accuracy and completeness '' On XX/XX/2022, Experian completed the re-investigation stating that the account was updated and " verified '' ( AGAIN ). Experian has ignored my request for a description of the procedures used to determine the accuracy and completeness, which is my right under XXXX XXXX Code XXXX ( XXXX ) and as a consumer, I am being violated by both the XXXX XXXX XXXX and Experian Information Solutions , Inc.

I am aware that Experian is required by congress to provide an independent investigation that is full and complete. Experian has failed to do so. According to Experian, their investigation process consists of Experian forwarding consumer dispute requests to the creditor to confirm the accuracy of the disputed information and reaching back out to the consumer to notify the consumer of their results after receiving a response from the creditor. At no point was an independent investigation performed directly by Experian. The collection agency has also NOT been in contact with Experian. Experian continues to report inaccurate and/or unverified information willingly and negligently on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested verification since XX/XX/2021 of this alleged debt that this company claimed I owe which they reported on my credit files. However, XXXX failed to obtain the legal verification as required by law and did not send it to me. Furthermore, I have requested verification and validation, several times, directly through each of the Credit Reporting Repositories and each time they have reported that you electronically verified the accuracy of these alleged claims through their automated systems, yet you failed to do so for me... why is that. Therefore, it is quite obvious that you have deliberately violated my rights in more than one way which is punishable by law.
Product: Student loan

It started back when I applied to become a student at XXXX of XXXX XXXX. Not fully understanding the process and looking for a way to apply and advance myself in the world I did whatever it took. I was never fully explained the loan process and how the federal vs. private loan system worked. I felt like they just wanted me to sign and move on and get into their system. I went to XXXX for over a year only to be removed from the school basically because I was unemployed. I lost my job during my 2nd year and was unable to make it to classes. After begging with them ( the XXXX admin ) to understand my situation I was forced to drop out, and not like me saying sorry I can no longer make it to class, more like " if you cant make it to class you can not be a student here. '' Being unemployed you have to make smart decisions with your money, and I had to make choices. Every penny counted and when I was unable to physically make it to the campus to attend classes due to budget restrictions I was shunned! So I found myself with a pile of debt in federal and private loans, no job and a partially finished degree. Now that the school is closed I can no longer finish my degree, nor can I use the resources that I was promised by them upon graduation. The summary of all this is that I felt like prey to them. A person who is just looking to better themselves was an easy target and I fell for it, I was a target. I tried numerous times dealing with XXXX directly with claims that I felt I was being pushed out the door and they were being unreasonable with my current situation, but they never listened. 

The school was XXXX XXXX XXXX, MD
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw a outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 

XXXX XXXX XXXX {$150000.00} XXXX XXXX XXXX {$150000.00} XXXX XXXX XXXX {$3400.00} XXXX XXXX XXXX {$2500.00} XXXX  XXXX {$9300.00} XXXX XXXX XXXX {$24000.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX {$20000.00} XXXX XXXX XXXX XXXX XXXX {$1200.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Product: Mortgage

t 'd be great if there was a more transparent process for getting PMI cancelled without having to refinance. I don't know if this is a FHA problem or a bank problem or both. 

1. I asked my lender for information on cancellation of my PMI in XXXX. They sent me a letter informing me that I qualified for cancellation but referred me the FHA. In a follow up phone conversation with the lender, I was told by the lender that the cancellation is automatic and that I didn't have to do anything. 

2. I checked with the FHA website and only received vague guidance that referred me back to the lender.

3. In my specific case, I've easily gone over 1 year without a late payment and my loan to value ration is better than the 78 per cent that is required. The ratio was in my favor for cancellation within 1 year of closing. 

Thanks for your help.
Product: Debt collection

Company trying to collect timed-barred debit. Repeated phone calls, threatened to sue passed statue of limitations.
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 need to investigate and correct 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Capital One close my account with absolutely no notice to me. They have over {$700.00} of my money in the checking account. When I called them to inquire as to how I could access my available funds they told me I would not be able to access my funds until the account is fully closed and that could take up to 90 days. I asked him if I could go into a branch and withdraw my funds and they told me that I could not that I would have to wait until the account is fully closed and then they would send me my money
Product: Credit card or prepaid card

XXXX   XXXX   XXXX   XXXX   is reporting my account as a charge-off, which  may h ave been true at  one tim e. However, I settled the account with their collection agency,  XXXX   XXXX .  XXXX   XXXX  is correctly showing that I have a   XXXX   balance.     I have disputed the account with the credit bureaus 3 times and  XXXX   XXXX  still will not update my status to paid. They are showing me as a charge-off.     I have made multiple phone calls and many hours trying to get this corrected. I can not get a person on the phone at  XXXX   XXXX  that understands what I 'm talking about.     Please help! I 'm trying to buy a house and this is messing me up!
Product: Credit card or prepaid card

My name is XXXX XXXX XXXX. XXXX. I went to the ATM Machine Drive Thru in Bank of America in XXXX XXXX XXXX XXXX, CA XXXX with my EDD debit card on XXXX XXXX to withdraw cash during business hours. I withdrew {$1000.00}, but it didn't dispensed cash. I have the receipt that the cash is already deducted. I reported it to the no. on the ATM machine. I gave the ATM machine no. I went inside the bank too to report, the bank clerk said do not worry they have camera on each ATM machine. When I called they transferred me to 3 different departments which they asked my card no. to file a claim. I suspect one of them use my no. because their the only one I gave my cards no. Then the next day XX/XX/XXXX there's a fraud withdrawal again from my account which is far away from my place which is in XXXX, CA. which I don't go to. Then I called again and reported it. Then I called again today XX/XX/XXXX, they haven't return my money. and told me they denied the claim. How's that, we should be protected by the bank and also it's their security that messed up. It's not my fault but they are still holding my money. They said it will take up to 90 days. That's not right. The problem is they have merchant, its different company who takes care of the ATM machine that's why there's too many fraud. For me an ordinary person {$2000.00} is a lot of money. Please help me. I don't think it's fair. My email is XXXX.
Product: Debt collection

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by Federal and State Law to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a Federal Criminal Violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that as a person or company without my authorization used my personal identifying information to apply for goods, services, or money and was successful in creating some accounts. All is being investigated by the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 RE : Method of Verification To whom it may Concern : I am requesting the Method of Verification for the following disputed account ( XXXX ) : XXXX XXXX XXXX Account Number : XXXX ( Partial Account Number ) XXXX + Account Number : XXXX XXXX + Account Number : XXXX XXXX  + Account Number : XXXX XXXX XXXX XXXX + Account Number : XXXX XXXX XXXX XXXX XXXX + Account Number : XXXX This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is not a request for a reinvestigation of the previous dispute. This is rather a request for a Method of Verification where the following items should be provided to ensure the validity of the account ( s ).

Please provide the following items : identify item ( s ) by the name of source, such as creditor or tax court, and identify type of item, such as credit account, judgment, etc. 
1. The name of the original creditor and full account number ( s ).

2. The creditors address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute Credit reporting agencies are not allowed to report items on my report without providing any verifiable proof in the accuracy of their reporting. This is grounds for removal of the inaccurate account on my report, they are also in violation of my rights under 15 USC 1681 : 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 an account without my written instructions.

I am certain that the item I disputed is incorrect and should be removed, so l am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute. I am very interested to learn how your investigators arrived at this erroneous conclusion. 

I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to as part of this investigation. 

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. 

I am in the process of planning a legal case, so l demand specific answers to the specific questions asked of you in this letter. I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 

If you are unable to respond in a timely manner and provide the above items, please delete the account ( XXXX ) from my credit report to prevent further damage. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The EQUIFAX Credit Bureau have failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information. 
XXXX XXXX XXXX ***** Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act OPORTUN/PROGRESO FINANCIAL # XXXX, has violated my rights. 


15 USC 1681 Section 602 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 1666B : A creditor maXXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Mortgage

On XX/XX/year>2024 we requested that our PMI be canceled, according to their terms, PMI can be canceled once LTV is 80 %, our principal amount owed is {$410000.00} and when they finally did the BPO on XXXX XXXX, it came in at {$500000.00}. We received notice dated XX/XX/XXXX that we they were not canceling our PMI because we were not at 80 % LTV, we needed to pay {$30.00},??? before we would be at 80 % LTV. I'm not sure what kind of math they are doing, but XXXX ; that is most certainly 80 %. If we brought our balance down by another {$38000.00}, our LTV would be 73 %, PMI is automatically removed at 78 %, their math is illogical. We have always been on time with our payments, due to health issues with my mother, I applied for forbearance in XXXX. I feel they will try to use this against us as another reason to deny the PMI removal, the process took over 90 days, they legally had 30 days to complete it, they can not use the forbearance in their decision, PMI should have been removed as of XXXX XXXX 2024.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 3 accounts on my credit report that do not belong to me I need these accounts off my credit report I have been disputing these since XX/XX/2020 and no answers back nothing from the bureaus or the companies that these accounts are from. 

XXXX XXXX - Acct # XXXXAmt {$7400.00} XXXX - Acct # XXXXAmt {$2500.00} XXXX XXXX XXXX - Acct # XXXXAmt {$810.00}
Product: Debt collection

On XX/XX/year>, I mailed Portfolio Recovery Associates LLC a letter requesting DEBT VALIDATION per the Texas Finance Code. My records show that Portfolio Recovery Associates LLC received the DEBT VALIDATION letter on Thursday XX/XX/year>XXXX XXXX XXXX. The original correspondence was not a dispute but rather a DEBT XXXX letter pursuant to the Texas Finance Code. They had 15 days to remove the negative account, according to Sec. XXXX ( d ) ( XXXX ) to remove the tradeline from all three credit reporting agencies, including XXXX, XXXX, and XXXX. 

Please be advised that Portfolio Recovery Associates , LLC has violated my consumers rights under Texas Finance Code, and I would seek to resolve this issue in court if this kind of shady business collection practices persist.
Product: Credit card or prepaid card

On XX/XX/2018 I purchased a XXXX gift cards for my son 's XXXX present. I never received the card. I have strong reason to believe this is due to my United States XXXX Veteran status. There is no other reason to block the transaction.
Product: Payday loan, title loan, or personal loan

I am very grateful to the FTC for providing excellent resources for remedying my recent identity theft. I am emailing to report a lender for being highly uncooperative about removing a credit inquiry from my report. The lender is American First Finance. 

I spoke with XXXX on the phone at XXXX XXXX  on XXXX, XX/XX/XXXX. This was the highest level of supervisor they were willingto provide. They would not allow me to speak with the frauddepartment. XXXX XXXX stated that theircompany policy is to require a notarized affidavitto file a removal from a credit report. This is even in such a simple situation as when the line of credit was not approved. 

Here is their form : XXXX XXXX XXXXXXXX
Product: Debt collection

This debit is not owed by me due to filing errors and due to a change of insurance companies at my last job ( not my fault ). I have tried to correct this by mail but no response form the collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon, Hello, my name is XXXX XXXX and I am writing to dispute the late reporting of payments on my credit report which has brought my credit score down a lot. XXXX XXXX, the Senior Mortgage Loan Officer, informed me that Pacific Union is reporting 30, 60 and 90 day late mortgage payments. She also told me there is nothing she can do about it. However, I have never been that late on my mortgage payments. I also put in a modification request last XXXX and was place on a four month trial beginning in XXXX XXXX. As of XXXX XXXX, my new monthly payments were {$710.00} a month and I have been making these payment on time since XXXX XXXX. Therefore, I am requesting that Pacific Union remove the false late payment reporting immediately and update all three credit bureaus of my new monthly payment. For further information, I can be reached at ( XXXX ) XXXX. 

Thanks In Advance! 
XXXX XXXX