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

I signed up for a Barclays XXXX XXXX Barclays Bank Delaware ) XXXX XXXX XXXX ( XXXX ) XXXX credit card on XX/XX/XXXX. 

Barclays promised that once I spent {$3000.00} on my card ( within the first 90 days of holding the card ) and paid my annual fee, I would receive 50,000 XXXX frequent flier miles ( See accompanying document Miles and More promise & my spending for their promise ). According to a Barclays representative, I reached this spending target on XX/XX/XXXX. 

I would need to allow 4 6 weeks after reaching this spending target to receive the miles on my XXXX XXXX XXXX XXXX account. 

I contacted Barclays on XX/XX/XXXX to see when I would receive the miles. They promised me by 4-6 weeks of the date I reached the spending target, approximately 6 weeks earlier. This call to Barclays was documented in Barclays case # XXXX. 

I have contacted Barclays frequently, since that time and about once a week since the beginning of XX/XX/XXXX. Barclays case numbers document some of the calls : # XXXX and # XXXX. 

It has been roughly 4 months ( 16 weeks ) now, since I reached my spending target. They have never contacted me in direct response to this item to explain any delay. More importantly, I have not received the miles. Please assist.
Product: Mortgage

WE PURCHASED OUR HOME IN 2020, AND THE MARKET HAS GONE UP CRAZY FAST, WE HAVE CALLED TWICE TO GET THE PMI REMOVED AS OUR VALUE IS WELL ABOVE WHAT IS NEED TO REMOVE THE PMI. FLAG STAR IS REFUSING TO HELP START THIS PROCESS, AND SAY WE NEED TO WAIT TILL A LATER DATE IN XXXX. WHEN WE BOUGHT THIS HOME THE LENDER XXXX XXXX NOR THE LOAN OFFICER, NOR THE CLOSING AGENT SAID ANY THING ABOUT WAITING 2 YEARS. 
EVERY ONE WE KNOW IS GETTING THE PMI REMOVED BY HAVE THE LENDER ORDER A BROKER PRICE OPINION. THEY ARE SAYING ITS THE INVESTOR RULE. THIS RULE WAS NOT TOLD TO US, NOT DISCLOSED TO US, NOTHING. ME AND MY FINANCE PURCHASETHIS HOME AS : XXXX XXXX XXXX AND XXXX XXXX XXXX AS SHOWN ON THE STATEMENT THIS IS MY 3 COMPLAINT, THEY KEEP SAYING WE ARE NOT ON OUR OWN MTG. 

THE MORTGAGE STATEMENT IS ATTACHED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never applied for any loans with XXXX, XXXX my information was stolen and this account is inaccurately being reported on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Three problems : 1. I asked that a Fraud Alert be removed. They said it had. It has not. I need the fraud alert removed. 

2. Due to an apartment fire, I was moved from XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, GA XXXX to XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. I was told over the phone the address would be corrected to XXXX XXXX. It is still wrong and shows XXXX and that is creating a problem. I need the Apartment number corrected to XXXX. 

3. Experian has my credit score at XXXX. The other bureaus have it at XXXX and XXXX. I have reviewed my credit report with Experian and see no reason it should be lower. After an extended delay Experian sent me a letter that they could not understand what I was asking for and closed my file. No attempt was made to reach me by phone. I can not reach a representative at Experian. They won't connect me to a representative and state that nobody is available. They may doubled reported an unsatisfactory account. I need them to manually go it and review my report and correct my score. Two reports were made for XXXX XXXX XXXX XXXX in XXXX, XXXX. I did file for bankruptcy.
Product: Credit card

I received a new credit card from Truist bank. It was a XXXX card received on XX/XX/XXXX. I never replied for a credit card from that bank. I tried to discuss this with them and got nowhere. I was put on hold multiple times or just never got a person.
Product: Debt collection

This involves a debt buying company called National Credit Adjusters. They purchased a closed credit card account from XXXX XXXX XXXX. XXXX closed the account and took it off of my credit report as it was identity theft. I provided ALL of the necessary documentation to have it removed back in XXXX. It was also blocked based on the FCRA section 605B. As soon as I saw this reappear on the credit report through National Credit Adjusters, I immediately disputed it. That was in XXXX. I have sent the information to all three credit reporting agencies AGAIN AND AGAIN AND AGAIN. National Credit Adjusters will not remove this account. I have written them numerous letters over and over again and the only response received is that the credit report adds a statement saying I dispute the account and National Credit Adjusters states VERIFIED AS ACCURATE. They have NEVER shown me the information received from XXXX XXXX to VALIDATE NOT VERIFY the debt. THIS IS NOT A VALID DEBT. XXXX XXXX knew it so why cant this debt buyer follow the same laws and block this from reporting. I have informed them over and over again they are violating FDCPA, FCRA and FACT. They just dont seem to care.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, TXXXXX ; XXXX XXXX XXXX XXXX XXXX, TXXXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TXXXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX ; XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$18000.00} ; XXXX XXXX Balance Owed : {$2100.00} ; XXXX XXXX XXXXXX/XX/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

Hi. I was denied by Appfolio when applying for a unit. My names XXXX XXXX. It said I was denied for criminal history when I have court docs to show that my charge was dropped to a misdemeanor & my eviction on my account is from XXXX of 2016. Its passed the XXXX mark.
Product: Debt collection

This company puts a collection account on my credit report and I try to contact them and they dont want to provided me with any documents that its my account. 

Company name Zions Debt Holdings LLC
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ), specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I had a repo on XXXX XXXX the vehicle was sold recently but Im being charged for the prior interest rate on the vehicle which I dont think Im responsible for. I only had the automobile for 4 months. How could I be responsible for interest ket alone they took the money for all the warranties I had and charged me for XXXX fees. I dont believe I owe them anything. I put down about {$15000.00} dollars with the transfer of my prior warranty and {$3000.00} cash on a XXXX vehicle. It just doesnt seem right to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require Experian to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : DEPT OF EDXXXX XXXX Balance : {$2300.00}
Product: Credit reporting or other personal consumer reports

There was a inquiry on my credit report for XXXX XXXX XXXX without my knowledge on XX/XX/23. 
An inquiry for Factual Data on XX/XX/23 without my knowledge. 
And an inquiry for XXXXXXXX XXXX without my knowledge on XX/XX/23.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are fraduletly reporting on my credit file. Im offically disputing these accounts, and demanding that they be removed and blocked from my credit file.

1. XXXX XXXX {$360.00} 2. XXXX XXXX Account
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to all 4 3 credit bureaus Transunion, XXXX, XXXX in XX/XX/2018 asking them to remove the bankruptcy off my credit report because bankruptcy court do not report to credit bureaus and I have a freeze and a suppression on XXXX so they cant release my private information,. I sent letter from court and XXXX to All 3 Bureau. They all responded the bankruptcy was verified thru court or XXXX which is not true
Product: Checking or savings account

.on XX/XX/XXXX a check in the amount of XXXX had a stop payment put on it and it never got deposited into my checking account. I closed my account with Trust Bank / suntust bank shortly after this. My stimulus check cane in about this time and Turst bank decided to reopen my account and steal my money said I owed for a check that never was deposited, I feel this was a computer glitch because every thing was done electronically, but Trust bank doesnt want to acknowledge this fact so they can keep my money. There was supposed to be a 30 day hold and they stole it immediately. I have the stop payment receipt and screen shots of my account to proof this complaint, this bank is bad about reopening peoples accounts when they close them to seek as much fees and funding as they can. This is a very criminal and unscrupulous act.
Product: Credit reporting or other personal consumer reports

There are hard inquiries on my credit report that I did not authorize.
Product: Credit reporting or other personal consumer reports

these accounts are misleading reporting in my Experian and XXXX bureau, due to the XXXX data breach, and I've discovered unauthorized account linked to my profile.
Product: Debt collection

The debt is and has always been my former spouses debt. It originated in XX/XX/XXXX, even by proof of the info that was sent to me by the debt collection agency. My former spouse even made a payment to the originating debtor in XX/XX/XXXX. My name is no where on the debt and is not connected to it at all. The insurance that was used was connected to my former spouses military benefits not mine. I have provided all of my spouses information to include his XXXX which shows his date of discharge from the military, XX/XX/XXXX as well as a copy of our divorce decree that states that all debts that were his prior to XX/XX/XXXX are and remain his solely. This debt continues to be reported on my credit report and has been since XX/XX/XXXX. It was removed however it still showed it as an account in collections under my name and is a derogatory mark on my credit. This needs to be removed as an account that was NEVER my account and done so across the board to ALL reporting agencies as an account that was not mine, belonged to my former spouse.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report for the second time and noticed an account that was not reporting accurately. I had two late payments on an account that was in fact paid on time. The account should show paid on time. The consumer reporting agencies need to report all information with complete accuracy as well. I'm now requesting you all investigate this account and update these late payments to paid on time immediately besides this is a violation of 15USC 6802 b. I DID NOT GIVE PERMISSION TO REPORT ANY OF THIS PERSONAL INFORMATION TO ANY THIRD PARTY. 

15 USC 6802b the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information is not to be disclosed to such third party.
Product: Debt collection

After multiple attempts, credit acceptance has willfully violated the FDCRA by not verifying debt and other FDCRA laws. After contacting multiple times, debt owed has not been verified. Also, the contract violated multiple FDCRA laws that was refused to acknowledge. Some of these as follows : 5 USC 1681 ( a ) -2 15 USC 6823- 15 USC 1602 defines finance charge ( a ) Finance charge 15 USC 1692 15 USC-1681 ( b ) My finance charge was supposed to include auto insurance which the company refused to provide proof of.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit agencies still have this account listed and per  XXXX  they requested it be removed. This has been listed and it needs to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

Goodyear CBNA reflects I opened an acct with them. This is fraudulent account. I never solicited them for credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 section 602 A, states I have the right to privacy.

15USC 1681 Section 604 Section 2, it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC1681c. ( 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 ante cedes 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 reporting or other personal consumer reports

reviewed a copy of my Transunion credit report and noticed i had fradulent accounts on my report, Please remove these accounts from my report they are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to follow up CFPB Complaint as a follow up to the recent complaint I submitted demanding the immediate deletion of the fraudulent accounts and information the Credit Bureaus have been reporting. As you are aware, FCRA Section 605b states that any information that is inaccurate, incomplete, or can not be verified must be promptly removed from an individual 's credit file. I believe that the items in question fall under this category, as they are fraudulent and do not accurately reflect my credit history. Please have the following items removed from my Credit file as soon as possible : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$25000.00} XXXX XXXX XXXX XXXX Balance : {$35000.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX I have taken all necessary steps to dispute these items with the relevant parties, including contacting the creditors and filing police reports. However, despite my efforts, these items continue to be reported on my credit file. I request that you investigate this matter further and remove these fraudulent items from my credit file as soon as possible.
Product: Student loan

I was on a payment plan with XXXX XXXX and when I went to see what payment options were available for me with navient because of financial difficulties they told me they did n't have any available and I have to pay the full balance. After numerous phone calls and speaking with several representatives and supervisors I was finally told I could do a financial statement and someone would get back to me within 4 business days. I never heard anything back so I contacted them only to be told they did n't make a decision yet. I waited another week and called back only to be told again no decision was made I asked for a supervisor and was told it was sitting on someone 's desk because they were on vacation. I had to call back yet again he next business day only to be told I did not qualify because I made {$15.00} too much and there was nothing more they could do. Now mind you I have a XXXX loan and I have to pay have my car payment a month for it and hats a minimum payment. It 's impossible for me to put anything extra towards it therefore it 's impossible for me to ever get out from under this loan. Also looking at my credit my loan has actually gone up this past year by {$22.00}. And while making my payments on time they still continue to call my co-signer and tell them I do not make my payments while I make them before they are due!! This company is a real piece and should not be in business. Their customer service is horrible and they really need to learn how to work With people, they make it impossible for people to ever pay back their loans.
Product: Credit reporting or other personal consumer reports

USAA SAVIINS ACCOUNT # XXXX APPEARS ON ALL MY CREDIT REPORTS, I CONTACTED USAA AND REPRESENTATIVE STATED ON XXXX that she has nothing on file for me, nor my social security. I stated to USAA REPRESENTATIVE, Why is the company reporting a charge off every month for 59 months REPORTING ME AS Delinquent and I have no knowledge of this personal loan from XXXX? ALSO I never received a bill for {$100.00}, if i paid XXXX percent of this bill, i would never leave {$100.00} owing anyone. I ASKED THE REP FOR A BILL TO PAY {$100.00} AND PLEASE REMOVE THAT CHARGE OFF ON XXXX, XXXX, XXXX. TheREPRESENTATIVE Stated ITS NO BILL TO GIVE ME.. charge off for same bill for 5 years now, I told the representative from USAA this is illegal that you are messing my credit status up with all three credit bureaus and i never recall this account. 
THE REPRESENTATIVE STATED TO ME, XXXX XXXX I DO NOT SEE YOU OWING USAA.BANK. CFPB PLEASE HELP ME AND USAA SAVINGS IS REPORTING INACCURATE INFORMATION AND DESTROYING MY LIFE, HOW ARE THEY ALLOWED TO CHARGE OFF THE SAME THING FROM XXXX TO XXXX? ILLEGAL
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit card

I HAVE A WALMART STORE CARD. IT IS FAIRLY EASY TO PAY BUT I HAVE ONLY ONE INCOME AND IT IS ONLY ON THE 4TH WEDNSDAY OF THE MONTH. DUE DATE FOR THIS CARD IS THE XXXX OF THE MONTH. THERE IS NO WAY FOR ME TO PAY ON THAT DATE. 

I ASKED AT LEAST 2 TIMES IF NOT 3 TIMES FOR THEM TO PUT IT AT THE END OF THE MONTH ON THE XXXX OF EACH MONTH. THEY ALWAYS SAY WELL WE CAN PUT IT THIS DATE SOMEWHERE LIKE THE XXXX, XXXX OR 19 DAY OF THE MONTH. 
ITS ALMOST AS IF I'M TALKING BUT THEY'RE NOT LISTENING. THEY CONTINUE TO ADD LATE FEES OF {$39.00} AND INTEREST FEES TO XXXX XXXX XXXX  HAS SKYROCKETED TO OVER A XXXX XXXX. I ALWAYS PAY MORE THAN THE BILL BUT CAN'T GET AHEAD BECAUSE CAPITALONE WHO OWNS THE WALMART STORE CARD WANTS TO KEEP ME FROM PAYING THE BILL BY CONTINUALLY ADDING ON FEES. 
THE COMPANY IS CAPITAL ONE AND THE CARD IS WALMART
Product: Credit card or prepaid card

We stayed at XXXX XXXX XXXX XXXX, paid {$92.00} on this CC back on XXXX. 
The cabin was horrific by every stretch of the imagination ( i have photos and videos showing the horror, not even a rat could stay in that cabin ). My husband XXXX XXXX called into try and place a claim ; they would not talk to him since the c/c was closed. Which is absurd, because we have processed many claims on this old c/c ( w/XXXX  etc ). But NO one would help us. 
I emailed Citibank directly asking for assistance on filing this claim ; haven't heard back from them. See attached email sent along w/the attachments on the email.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was hacked and now everyone 's social security numbers and information is exposed. Two factor authentication is needed to prevent identity theft. I should be able to get a phone call, text message, or email from the credit bureaus when a creditor tries to open a new credit account in my name etc. 

Or I should be able to log into a website or app to freeze and thaw my credit at all 3 bureaus in real time ( similar to XXXX XXXX XXXX Freeze It - See Link XXXX XXXX XXXX XXXX Where is the regulation for something so vital to consumers? I 've been worried about this kind of thing for years and of course it takes a massive data breach for anyone to start talking about this. Please hold Equifax responsible for this and make all 3 bureaus take steps to protect our information and enable some type of 2 factor authentication. 

We also should n't have to pay to freeze and thaw our credit! This should be free and it 's ridiculous that we have no control over this. There is no reason all of this should be so difficult unless you allow these companies to put their profits ahead of sensible rules and regulations.
Product: Credit reporting or other personal consumer reports

I'm in disagreement with the accounts listed below which still appears on my credit report, even after your investigation. I would like these items immediately re-investigated. The inaccuracies are highly injurious to my credit score. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

IN ACCORANCE with The Fair Credit Reporting Act, Public law 91-506 Title VI, Section 611, please provide the names and businesses addresses of each individual with whom verified above so that i may follow up. Please send a updated copy of my credit report after your re-investigation.