23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I received a hard inquiry on my credit report from BARCLAYS BANK DELAWARE. However, I did not apply for any new lines of credit with this bank or elsewhere. I contacted Barclays on the day the inquiry appeared and spoke with their fraud department, and no new accounts of any kind could be located in their system with my information. Because I didnt apply for this account nor does the account appear to exist in the banks system, I need to have this removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX : I called and requested the amount to pay off account with XXXX XXXX XXXX Account : XXXX. I was told {$69.00}. I made two payments of {$35.00} and {$33.00}, to have a XXXX  balance, according to an XXXX Customer Service Credit Representative. I am trying to secure a mortgage loan. So, I called to get the address to submit a Goodwill Adjustment letter for removal of late pays : XX/XX/XXXX and XX/XX/XXXX due to an injury and XXXX impacting my work status. I was informed of a {$30.00} past due amount that I was unaware of. 

XX/XX/XXXX : {$2.00} residual interest XX/XX/XXXX : {$2.00} late fee, {$2.00} interest charge XX/XX/XXXX : {$6.00} late fee, {$2.00} interest charge XX/XX/XXXX : {$14.00} late fee, {$2.00} interest charge. 

I was told that I needed to pay {$30.00} by the end of the day on XX/XX/XXXX. As of today, my balance is + {$0.00}. Apparently, I was mislead again with the amount due for pay off.
Product: Mortgage

Today XXXX. I received a reply to my previous complaint. It is the same response that I received previously. Both times that received a call back from Wells Fargo they admit that I received the incorrect information from their representative but will do nothing to rectify the situation. I now have all the proof including bank statements that prove that I sent in the payments that I was told to by the representative and later on because I declined a modification which they offered which would have extend the loan to 40 years ( I was more than half way through a 30 year ) they maliciously put my home in foreclosure. My records show that in 2019 I sent in numerous payments more than what my total annual payment would have been some of the payments were applied and some were returned to my bank because they wanted to start foreclosure proceedings. 
I am aware that millions were paid to some customers but I was not included and this shows that there are a lot more customer that did not get the compensation that they deserved. 
The authorities need to get involved in Wells Fargo deceptive practices
Product: Mortgage

On XX/XX/XXXX I mailed my mortgage payment to Statebridge Company, LLC. XX/XX/XXXX I received a statement from Statebridge stating I owed a {$24.00} late fee because my payment was not received until XX/XX/XXXX. This is not the first time I have had to file a complaint against Statebridge over a late fee. It is to Statebridge 's advantage to " drag their feet '' in order to charge additional fees. I will not be held responsible for Statebridge 's lack of timeliness in depositing mortgage payments. My mortgage statement for XX/XX/XXXX states I owe my mortgage payment for XX/XX/XXXX ( my XX/XX/XXXX mortgage payment check was cashed so where are the funds? ) and XX/XX/XXXX. I will NOT be paying any late fee because I mailed my XXXX payment from the XXXX XXXX Post Office in XXXX with more than ample time for Statebridge to receive my payment. I will complain, and seek higher authority to resolve this ongoing problem. This is the same theft/shenanigans/ smoke and mirrors behavior XXXX XXXX used to play. I filed a complaint with the federal agency that oversaw thieving behemoths like XXXX Bank.
Product: Checking or savings account

I opened an account with BMO around XX/XX/2019 because they were advertising a {$200.00} bonus if I had a direct deposit and used my debit card 10 times. I met all of the requirements and the bank closed the account without letting me know, without having a reason and did not pay the {$200.00} bonus. I called the bank to ask them why my account was closed and the Customer Service rep said it was strange and he saw no notes on the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received communication from XXXX, Experian, and XXXX attempting to collect an alleged debt. 
I send a letter to XXXX, Experian, and XXXX to cease and decease all communication immediately with a verification of the alleged debt with the following 1. Name and address of Alleged creditor : 2. Name on file of alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? __ No ____Yes 9. Amount Paid if debt was purchased : 10. Commission for debt if collection efforts are successful : * Agreement with your client that grants XXXX, Experian, and XXXX the authority to collect this alleged debt. 
* Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector.

* Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.

* All statements while this account was open.

* Have any insurance claims been made by any creditor regarding this account?

* Yes * No * Have any Judgements been obtained by any creditor regarding this account?

* Yes * No XXXX, Experian, and XXXX never responded! 

Furthermore XXXX, Experian, and XXXX Are attempting to collect an alleged debt where the so called original creditor has falsely represented the character other Violations under 15 USC 1692 e that XXXX, Experian, and XXXX is implementing itself. 
Violation : 15 USC 1692b ( 5 ) 15 USC 1692 ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692 ( 6 ) ( B ) 15 USC 1692 ( 9 ) 15 USC 1692 ( 10 ) 15 USC 1692 ( 11 ) Furthermore XXXX, Experian, and XXXX unlawfully reported a debt to my consumer report in violation of REGULATION F, New Rule effective XX/XX/2021. Cease reporting this debt immediately or face legal action. XXXX, Experian, and XXXX lacks permission to include anything on my credit profile ( 15 USC 1681b2 ) and contacting third parties with my personal information is illegal. Your actions amount to Aggravated Identity Theft ( 18 U.S.C. 1028A ), a felony punishable by up to 2 years in prison, in addition to civil liability. 

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

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Balance : {$910.00} ; XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, XXXX. ) = to ( equalo 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 0:3 was untair and eceptive, as they didAnor '' ) comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
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 proce 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 have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations l.
Product: Credit card or prepaid card

Comenity Bank, which has now changed its name, delays the processing of payments to generate finance charges and penalties. 
This bank is now adding finance charges of {$110.00} on a XXXX dollar balance.
Product: Mortgage

TMy access to my account through the online customer portal is showing several payments, disbursements, and transactions on dates that dont make logical sense. There are 12 transaction line items in XXXX alone. 
Additional concerns are : My principal isnt decreasing at a normal rate Shellpoint has not replied regarding my appraisal request to eliminate PMI from my loan ; although, shellpoint took payment over a month ago Shellpoint removed late payments from my credit report when I participated in a Hurricane Irma forbearance plan, then issued a letter to me stating the payments were being taken away, and then reapplied the late payments to my credit report. Why were the payments reapplied to my credit report? 
My loan was modified earlier in 2019 due to my participation in the Hurricane Irma Forbearance plan. Docs were completed by a Shellpoint notary representative for the modification to be completed. I received word the modification was completed and my loan was in good standing. Just this week, I just received new modification documents. 
I was promised all of my payments from the last two years that have not been applied to my loan would be applied immediately after I completed the modification. These payments still have not been applied to my loan. 

When will all of this be addressed. Ive been dealing with this for over a year. Please help me get this fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX, {$860.00}, I called Receivables Performance and explained to them that XXXX had already taken out this amount from my bank. I even emailed them a copy of my bank information and they never responded back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted TransUnion to obtain my free credit report. 
( Had already received one from XXXX with no problem. ) First via their website. I gave them all the pertinent information IE Social Security number, Birth date etc. After filling in all their questions I was declined with a : We are unable to confirm your identity .... 
I called and requested the report and answered their questions IE. SS # Address etc Then they asked me about a car loan and some other financial questions which I did not recognize ... .They declined my request and put me thru to a live person I told them what happened and they said I had to Fax my id and social security card. 
I said I did not have a fax number and could not afford to pay to fax the documents but I could upload them and asked for an email address. 
He said there was only one way to do it and that was by fax. 
This seems highly discriminatory considering this could have been solved with email. 
Why I can not upload this on their website does not make sense. 
I need my report so I can see what, if any, negative information is on it. 
I am who I say I am. 
If you need any information to confirm that just let me know and I will be happy to give it to you. 
I have XXXX and XXXX XXXX. 
I have XXXX and this has caused me great stress and anxiety. I would like to fix what ever credit problems I have. 
Thank you for your consideration in this matter. 
As a Federal agency you have all of my information on your files. 
It will be easy for you to confirm who I am. 
Thanks XXXX
Product: Credit card

I authorized XXXX to auto-charge my account for {$60.00} when i was abroad and gave them Chase credit card info. My XXXX phone number is XXXX and XXXX account is XXXX. 
They charged my account {$300.00}. I called and they said it was for a " line transfer charge ''. At no point when I was setting up my account was I informed of a " line transfer charge '' by XXXX. I would like the {$240.00} back since at no point at all was I told of this charge, and it was charged to my credit card without my approval. Since XXXX says all calls are recorded, they should go back and check their call logs and show if at any point I was told about this {$240.00} charge.
Product: Credit reporting or other personal consumer reports

I WILL ATTACH MY CONSUMER REPORT FOR WELLS FARGO THAT'S NOT BEING REPORTED ACCURATELY -- XXXX IS REPORTING LATENESS FOR XXXX, XXXX & XX/XX/2022 WHILE XXXX IS REPORTING PAID STATUS -- THIS IS NOT XXXX ACCURATE REPORING -- ALSO PER 12 CFR 1026.13 THIS IS A BILLING ERROR & LATENESS ARE NOT SUPPOSED TO BE REPORTING ON A OPEN ENDED PLAN SUCH AS THIS ACCOUNT PER 15 U.S. Code 1637 - Open end consumer credit plans...

AGAIN, THIS ACCOUNT IS NOT BEING REPORTED ACCURATELY AS PER 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit card or prepaid card

In XX/XX/2018 under reference numberXXXX I applied for a credit card account with Chase. I was notified by chase that they needed verification of my identity so I sent them a copy of my Florida drivers license and social security card. I even called Chase to verify receipt of those items. I explained to Chase that I recently sold my home on XXXX XXXX in XXXX XXXX Florida and bought a new home on the beach in XXXX XXXX Florida. I informed Chase that this information could be verified through the XXXX County Property Apprasierss Office for the XXXX XXXX XXXX address and the XXXX County Property Office for the XXXX XXXX XXXX ( new ) address. Chase ignored all information provided to them and lowered my credit score with their inquiries. Chase then sent a letter to my old address even though they were given proof of my new address. This is NOT my first run in with Chase in applying for a credit account. Chase has a strong history of discrimination and violating the Consumer Credit Protection Act. I have several files on this. I applied with Chase about four years ago and they discriminated against me back then while they were accepting government bail outs and building new bank branches all over the USA with that bail out money. I applied for an interest free card with them recently. I can be reached at my home address of XXXX XXXX XXXX # XXXX XXXX XXXX, Florida XXXX or you can contact me directly at XXXX or you can write to me at my p.o. box at p.o. box XXXX XXXX XXXX Florida XXXX. All of this information is ON my credit report and available to Chase. Chase has a history of discriminatory practices related to me and will result in federal litigation being filed against them. But first decided to contact this agency first.
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 the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts 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 : XXXX XXXX XXXX XXXX Balance : {$610.00}, XXXX XXXX XXXX XXXX XXXX : {$530.00}
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving dispute. 

XXXX XXXX XXXX {$200.00} XXXX XXXX {$910.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$150.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need Capital One Auto Finance to Update my Account with the current correct credit balance to All the credit bureaus XXXX, XXXX, XXXX and the XXXX  score as soonest possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Removed these accounts XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, all accounts of XXXX XXXX and all inquiries immediately. 

IM THE CONSUMER PURSUANT TO 15 USC 1692 I don't not owe any debts because I'm to consumer. And I'm not obligated to pay I'm administrator agent pursuant to 15 usc 1602o, I'm the administrative agent I'm not the owner the social security card belongs to the XXXX XXXX XXXXXXXX I have to give it back upon request, so therefore, I'm not the owner. 

I don't own any debt attached to 18 USC 8 will provide that information to you I don't own any debt.

They never validated any debt. To validate a debt is to assess an action, I'm the only one who can validate a debt and it not mines and it's not yours. 
15 USC 1681a ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with " neighbors, friends, or associates '' of the consumer reported on or with others with whom he is acquainted or who may have knowledge.

15 USC 1681a ( e ) it stats you have to do personal interviews with neighbors, friends or anyone associated with the consumer which is myself '', they didn't do that!
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account has just shown up on my Transunion credit report... XXXX XXXX XXXX not only is this account completely fraudulent and not mine, its also as of 3 days from now not even legally collectable here in the state of California . This is the first I have even heard of this supposed debt four years later! That is unacceptable as all of my contact information is public and its very easy to get in touch if there is a legitimate debt. This account should be removed based on the California law alone, however it is also in violation of the following federal laws. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 602 A ( 2 ) It also states a consumer reporting agency can not furnish an 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.

Again I never had the chance to speak with this collection agency or the original creditor to validate this supposed debt. This month is the first time it has shown on my credit report I know this because I check all three bureaus every week. This is a very unacceptable way of doing business and for that and the above violations this account should be deleted from my report immediately. Both the California and Federal laws which are being violated the reporting of this account are attached below.
Product: Debt collection

I have realized that my credit dropped 55points from a derogatory mark from Radius Global Solutions for {$210.00} bill payment for XXXX. I had no idea what I was owing to the company. 

I had few months of internet services last year but I found out that my apartment building doesn't have good service with XXXX. I complaint the service problems and they gave me free of charge for the months of services I had to pay. Then I returned the modem. XXXX never billed me anything after that. Then I found out about this through XXXX XXXX that the credit collection agency put the derogatory mark on my credits. I take care of my credit reports and take it very seriously. I try to keep my scores over 800. 

I called XXXX and after talking to them for 2 hours with 5 different departments, they told me that they had a mistake to put charge on modem which I returned. Then they said I still owe {$110.00} for service fees which supposed to be free of charge since I didn't have any good services. 

I still need to call their financial department but I can never get the representative. I run multiple companies and travel a lot internationally. I really need help to solve this issue so that I can have my credit back to 800 level. 

Thank you