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

Hi, On XX/XX/XXXX, I was approved for the Barclay 's XXXX XXXX card and received a sign up offer of XXXX miles for {$5000.00} spend in the first 3 months. Due to inconsistent messages from Barclay 's agents and an unfortunately timing of a chargeback, Barclay 's has denied me this sign up bonus. 

[ Referencing Message Confirmation Image ] On XX/XX/22, I asked if I had reached the spend for the bonus ( Barclay 's didn't offer an exact tracker for the bonus- the closest thing was the spend analyzer. I wasn't sure if it was updated quickly/accurate for purposes of checking on my bonus so that's why I msg 'd to double check ). The agent 's reply was yes " providing that the transactions are not later rescinded or returned '' ( 2nd paragraph ). 

[ Referencing Initiating Case Image ] I replied to the agent asking about a chargeback situation. Basically, over the summer, a bartender wrote an extra {$20.00} tip ( in addition to the automatic gratuity ) and I immediately contested a chargeback. Barclay 's only accepts fax or mail so I mailed in the receipts/evidence. This process took incredibly long to fix on Barclay 's side and eventually they send in a letter [ Referencing XXXX XXXX Image ] saying that they'll provide a credit for XXXX XXXX-the amount disputed. 

However, Barclay 's ended up refunding the entire transaction of {$170.00}. And this reversal was processed 2 days before the deadline for my 3month sign up bonus. Seeing that, I worried that Barclay 's would count this against me. I called a representative a few days later and she confirmed that I indeed will not receive the bonus due to this chargeback. Because she couldn't do anything about it, I wanted to escalate this to someone else who could help me resolve this and so the agent opened a case for me. 

[ Referencing Final Resolution Image ] and [ Statement with XXXX  Image ] After not hearing back for weeks, I reached out for an update. The message said that I didn't qualify for the bonus due to 2 returns : the chargeback and another one for {$160.00}. I remember this XXXX return but I want to note that this was done back in XXXX - XXXX. The statement for this came out on XX/XX/XXXX or XXXX. 

When I doubled check on the bonus, it was on XX/XX/XXXX. I should've been informed that no, I didn't hit the minimum spend required then. ( I had assumed that I spend enough to cover the XXXX refund and the chargeback for XXXX was the only issue preventing me from getting the bonus. ) Plus, they did nothing to address the issue with the chargeback. I don't think it's fair that 1 ) Barclay 's send a physical letter saying a credit for {$20.00} when they didn't do that and 2 ) taking a long time for processing the chargeback and putting it on my account 2 days before the min. spend deadline. 
-- In summary, the communication by Barclay 's were essentially false statements that mislead me into believing that I had completed all tasks to qualify for the signup when I did not. In addition, the manner they've handled a chargeback impeded my ability to qualify for the sign up bonus. 

Thanks for taking your time to read this, K
Product: Vehicle loan or lease

I was denied credit and found Capital One Auto Finance Account on my credit reports Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount - {$32000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report, I noticed some billing mistakes, especially late payments that don't match my usual record. Please adjust my account to reflect accurate information
Product: Checking or savings account

I went through online, on phone, and in person visits to open a business checking account, and funding via a paper form process. Over the last several months, I can't get any access to my account other than passively viewing online : no ability to transfer money in or out, no way to updates settings or information online, no debit card. I have spoke with customer support online, on the phone, a customer survey support person, tellers in person, and business account managers in person. Each one says they can't fix the problem, and say to contact someone else. Now I am receiving service charges and sales tax fees on my account that I have no access to. There are reported names and addresses on the account that I didn't approve and seem to be fraudulent. Again, no one on the support teams can provide help, credit the wrong charges, or solve any issues while I still don't have access to my account.
Product: Student loan

My student loan servicer seems to be miscalculating my Income-Contingent Repayment ( ICR ) payment amount. They have been unable to explain to me why their calculation for my monthly payment is $ XXXX, when the estimator on XXXXXXXX shows my monthly payment estimate as $ XXXX. 

This servicer XXXX XXXX XXXX is difficult to contact, and their representatives are unhelpful and unable to provide information on their calculation of my payments.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts and inquires on my credit reports that were not open by me. This has been hurting me and I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Product: Debt collection

Have been receiving harassing phone calls from Focus Receivables Management for past 3 days ; each time I answer the call, the caller 's system hangs up the call. The number they are calling is on the national and state do not call lists. As a result of this, I can not even attempt to validate the debt in accordance with the FDCPA.
Product: Debt collection

According to FCRA XXXX, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Product: Credit card

XXXX 's XXXX # XXXX In XX/XX/XXXX, I applied for a JetBlue credit card through XXXX 's. On XX/XX/XXXX, a letter was sent requesting further information to verify my identity, even though I already hold a credit card through Barclay 's ( a XXXX XXXX ). I hesitantly sent through a copy of my driver 's license, a copy of the front of my Social Security card and a utility bill, as requested. I'd like to note sending this type of information through the mail makes me very uncomfortable and is potentially a threat to my credit, as this information could be intercepted and used. 
On XX/XX/XXXX, I called to check the status of my application and was told that they received the information I had previously sent, but I did not include a copy of the BACK of my social security card, which is something in all of my years I have NEVER been asked to do. I sent over a fax ( which I was told previously that I could not do ) on the same date with a copy of the back of my Social Security card. 
On XX/XX/XXXX, they sent another letter requesting the same information. When I called to inquire why, they verified that they HAD received all of the information I previously sent, including the back of my Social Security Card. The Drivers license, front of Social Security Card and utility bill had all been verified and approved on XX/XX/XXXX, according to their notes, and on XX/XX/XXXX, the back of my Social Security card was approved. I was advised by Barclay 's rep that all parts were accounted for AND that my application had been approved. 
As of today, XX/XX/XXXX, I still had not received any credit card information NOR a denial letter ( which would be odd since I was already approved ) so I called Barclay 's back and spoke with XXXX who said that it's been 90 days since I applied so I'd have to re-apply again, despite her confirmation that, yes, all docs had been verified and yes, I had been approved. Why should I take another inquiry hit to my credit report for something that was already approved? I did everything that was asked of me, my credit inquiries took a hit and yet Barclay 's wants me to apply AGAIN? I would just cancel my other Barclay 's card and not re-apply if it didn't make sense to have this particular airline card since my daughter goes to school in New Jersey and we now frequently fly XXXX. I would like the card I was originally approved for, as it is not fair or right for me to have to re-apply or for my credit to have another inquiry.
Product: Credit reporting or other personal consumer reports

My credit report shows late payments that arent accurate. A billing and reporting error from my bank has unfairly damaged my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors must report payments accurately, yet a payment I made was not properly recorded, leading to an incorrect late mark on my report. Additionally, I was not given the required 21-day notice before the payment was due, making the late mark invalid. Ive asked the credit bureaus to provide proof of these late payments, but they havent given me any real documentation to back up the claim. Because of this, the incorrect information is still on my report, which is hurting my credit score.
Product: Credit reporting or other personal consumer reports

XXXX as well as XXXXXXXX XXXX  An formal request for validation of the following inaccurate items on my credit file was requested from XXXX, XXXX and TransUnion XXXX These company 's has violated my rights under FCRA 15 U.S.C 1681 Section 604 A. 15 U.S.C 1681s - 2 ( A ) ( 1 ) 611 ( A ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.
Product: Credit reporting or other personal consumer reports

The Credit Reporting Agencies are reporting negative and fraudulent information about me on my consumer report without my consent while at the same time tarnishing my reputation. The Credit Reporting Agencies are also violating my consumer rights 15 U.S.C. 1681b permissible purpose of a consumer report. I have no contract with any of the Credit Reporting Agencies ; TransUnion, XXXX, and XXXX to report any negative information about me to any corporation and I do not wish to contract with TransUnion, XXXX, and XXXX. I never gave TransUnion, XXXX, and XXXX written consent to report anything on my consumer report. No consent equal fraud, which TransUnion, XXXX, and XXXX is committing, FRAUD!
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, after reviewing my credit report, I identified discrepancies pertaining to accounts labeled XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX and XXXX # XXXX XXXX XXXX XXXX. In light of this, I promptly submitted a formal dispute letter to Experian on XX/XX/year>, requesting a reinvestigation of these accounts. 

Subsequently, on XX/XX/year>, I received communication from Experian, indicating that they had completed their investigation and concluded that the information on the aforementioned accounts is accurate and complete. However, upon reviewing my credit report again, I discovered that the discrepancies persist unchanged. 

I believe Experian 's handling of this matter is in violation of the Fair Credit Reporting Act, specifically 15 USC 1681i, which outlines the treatment of inaccurate or unverifiable information. According to this statute, consumer reporting agencies are obligated to promptly delete or modify inaccurate information following a consumer dispute, as well as notify the furnisher ( s ) of said information about any modifications or deletions made to the consumer 's file.

Furthermore, I assert that Experian 's actions contravene the provisions set forth in 15 USC 1681e, which stipulates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of information contained in consumer reports. This includes reporting information with actual knowledge of errors and refraining from furnishing inaccurate information after notice and confirmation of errors. 

As a result, I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against Experian for its failure to adhere to the legal obligations outlined in the Fair Credit Reporting Act. I seek resolution in the form of accurate reporting on my credit file and accountability for Experian 's non-compliance with federal regulations. 

I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will act swiftly to address this issue. Should you require any further information or documentation from my end, please do not hesitate to contact me at the provided contact details. 

Thank you for your time and consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Charge Off Closed {$3900.00} " XXXX '' XXXX XXXX XXXX Charge Off Closed {$4400.00} XXXX XXXXXXXX Charge Off Closed {$3000.00}
Product: Money transfer, virtual currency, or money service

I hired an attorney to help me with my Social Security XXXX hearing. As part of their package they sent me a " MY KEEPS '' card and told me " if needed '' to use the card until my hearing date to go ahead and use it. I didn't use it at all. Approx. three weeks after the hearing I called my attorney to find out they were paid and the balance went to " MY KEEPS ' ''. On XX/XX/2018 I closed the account {$1100.00} balance they said " WE WILL '' mail a check on Friday XX/XX/2018. Up to this day .... " the check is in the mail '' I call and call every rep. will only give their first name with long periods on hold other times to the point of automatic disconnect waiting. Today XX/XX/2018 on my third attempt ... I finally spoke with XXXX ( a manager ) she told me " WE WILL '' mail a check onXX/XX/2018 this Friday to expect it by the middle of XXXX. I wonder if I will see a check then either! THIS IS NOT RIGHT!!!
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : Incorrect Address - XXXXXXXX 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

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has been taking payments every week when they are supposed to be taking payments every XXXX weeks. They are reporting that my payments are behind but can not provide me the proof. This has affected my credit to where I have been denied a home loan. They continue to harass me and call me daily about a balance that is past due when in fact it is paid and they are not updating the payments on their end. I have sent them multiple letters and even called them to fix this on my credit and they still refuse. Hopefully me filing the complaint will work.
Product: Credit reporting

origional account went delinquent with XXXX dept. of human resources XX/XX/XXXX made payment arrangements that have been made but have never become current. account transfered as chargeoff collection to XXXX dept of human resources XX/XX/XXXX. account does n't show origional delinquency date of XX/XX/XXXX but instead shows date of the transfer as the origional delinquency date. company deleted item from report and readded it this month.
Product: Credit card or prepaid card

I had a new credit card account with US Bank and set up autopay for it so I wouldnt miss payments in case I forgot. Id gotten confirmation that it had been set up, then I checked my statement and a {$30.00} late fee had been applied because autopay would not go into effect until the next month and the payment was never sent. I was never informed of this when I initially set up autopay.

Now that autopay is active, I have the option of paying minimum payment or statement balance. The statement balance sounds like it should be the full balance on the account, but it isnt. Its exactly the same as the minimum payment. There is no actual option to automatically pay the full balance, it has to be done manually every time. People who dont catch this could easily be tricked into paying just the minimum payment and being charged interest.

I called customer service on XX/XX/XXXX to try to fix this issue. They transferred me to cardmember services. Once I told cardmember service about my issue they stopped responding at all and kept ignoring me even when I tried to ask questions. I tried again with their websites chat option. I was transferred to cardmember services again. When I told them my issue they closed the chat and I couldnt access it again.
Product: Vehicle loan or lease

Nissan Motor Acceptance has inaccurately reported my auto loan as " Closed '' instead of " Paid In Full '' ; this has negatively impacted my credit score as well as my co-signers.
Product: Debt collection

I try to dispute off my credit report and it keeps coming back as verified. With out any evidence to show I owe this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously sent toTransunion and XXXX  documentation that I have been a victim of identity theft, please see attached FTC report and required Identification again for this second request
Product: Mortgage

To Whom It May Concern : My name is XXXX XXXX as of XX/XX/XXXX, i live at XXXX XXXX XXXX XXXX, XXXX, XXXX, I 've lived at my address for 21 years Its my primary residence, XX/XX/XXXX, I was in XXXX, trying to get equity line for {$60000.00}. I put my application in Wachovia Bank Mortgage and after a month they call me they tell me the loan is approved come get that {$60000.00}. When I go there they tell me to sign documents for that {$60000.00} they mislead me, Its fraud which I think that bank do to me, at the closing they told me there going to send me, {$60000.00} at my address, After I finished sign all those papers, I go home and discuss that with my son. My son tell me to cancel the loan, the next day after, I go to the place where I signed application for that loan to cancel that loan. They give me the phone # to call that bank, to cancel the loan so when I called them they say they will get back to me, as well as closing the loan they suppose to give me the form that should give me the ability to cancel the loan, they do'nt give it to me, I went back to Wachovia bank and it was coverted to WellsFargo Bank , also they told me that they pay XXXX XXXX XXXX , the loan # they say I had with XXXX XXXX XXXX , they made up by themself, I never had that loan # with XXXX XXXX XXXX also tell me I never have that loan # which the loan # that Wachovia Mortgage say they pay on my behalf, that loan # XXXX XXXX XXXX XXXX XXXX # with them, they say XXXX XXXX XXXX XXXX #. I believe that Wachovia Mortgage and WellsFargo want to foreclose on my house for the loan they charged me for they never give me any money for that loan also they never pay XXXX XXXX XXXX balance in behalf of me for XXXX. I spoke to XXXX XXXX XXXX about that they say they are not aware of that loan also the bank, WellsFargo recording title on the name XXXX XXXX XXXX in order to get money from me. I think thats fraud. I talk to XXXX XXXX XXXX about the payment WellsFargo claim they pay to XXXX XXXX XXXX in behalf of me. I ask WellsFargo for proof they paid, XXXX XXXX XXXX in behalf of me by sending me a photocopy of the canceled check they pay to XXXX XXXX XXXX. XXXX XXXX XXXX tell me they never received the money from WellsFargo only one way to prove by send me the canceled check. They send me all those documents except the canceled check. I ask them to send to me that they paid XXXX XXXX XXXX in behalf of me, I think thats my right for WellsFargo to send me the canceled check they claim they pay to XXXX XXXX XXXX. If they do not send me that canceled check, the resolution is that they have to pay me XXXX for damages they cost my life, also i can be contacted at my phone # XXXX, Thankyou.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant USDEPTED XXXX {$10000.00} XXXX XXXX {$13000.00}
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report, mine was under reference # XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous information and inquiry which were being posted to my reports. Here is the list of items which were opened without my permission : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.