23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am writing to formally dispute a balance transfer charge that has been incorrectly applied to my Barclays account. I initiated a balance transfer from my Barclays account to my XXXX XXXX, only to later discover that XXXX XXXX does not accept balance transfers. Despite this, Barclays has processed the transaction as a balance transfer and has imposed related fees and charges on my account. 

I have contacted Barclays multiple times and provided extensive documentation proving that no actual balance transfer occurred. However, I have yet to receive any resolution or assistance in rectifying this matter. Given that the intended recipient does not accept balance transfers, the transaction should not have been processed as such, and I should not be held responsible for any associated fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had XXXX accounts since XX/XX/1981 but TransUnion recently changed my credit report to show a much shorter (and inaccurate) length of credit for me: 6 years.  I submitted the evidence to TransUnion using their dispute process, but all they did is delete one of my XXXX  accounts - which is also wrong.  I wasn't questioning the existence of one of my XXXX accounts; I was questioning the fact that they had previously deleted accounts with XXXX  that proved I have had accounts there since XX/XX/1981.  When they changed my oldest account from my XX/XX/1981 XXXX to a much more recent account, my credit score dropped by 70 points!
Product: Credit card or prepaid card

This is a response to:XXXX Bank of America XXXX 

I have two credit cards with Bank of America. They told the CFPB that the bank did not know me. But then I was sent a large response about how they did nothing unlawful to begin charging my cards an annual fee. it is not a legal issue. 

The issue is it ethical to begin charging me {$50.00} each for two credit card just after Bank America just started paying a large  dividend XXXX XXXX. Is that ethical?
Product: Checking or savings account

i paid my XX/XX/XXXX credit card and also paid off a bank of america account that i had and i tried opening an account on either bank and they told me i cant open an account so i went also to another bank and no bank would let me open an account.
Product: Debt collection

I was contacted several months ago regarding this Capital One balance by XXXX XXXX   XXXX. I set-up a three month payment plan and received confirmation in XXXX that the {$720.00} balance had been paid. 
Now, the past couple weeks, XXXX XXXX has been calling multiple times every single day to me, my husband, my ex-husband and my mother about this Capital One balance. I honestly could not tell you the amount of times that they've called, leaving voicemails that they have a Fax Request to File Charges against me. And I need to call to schedule delivery. 
They also, gave my husband specific information about the transaction. To my knowledge they're not supposed to give any specific information to anyone that is not on the loan??? 
I have told them I paid this off, and I want to dispute the claim. 
Waiting on feedback from Capital One. 

The amount of calls and threat of having charges filed against me are ridiculous. 
And contacting individuals that are outside of the transaction have got to stop!
Product: Vehicle loan or lease

Upon making a settlement offer I advised the agent that I wanted the info removed from my credit report. The paperwork I signed stated that it would release me from any responsibility related to the account, which I assumed was removing it from my credit as I discussed with the agent. As I review my credit file it is still on my report I called the company XX/XX/22 to rectify this issue which then became a he said she said issue. Due to the fact that I dont know their company jargon and the letter was written with specific wording it was not a removal by the companies definition. I advised to have the call pulled since they state all calls are monitored and recorded. They agreed, I called back a week later XX/XX/22 to which they advised me they could not obtain the call and due to that they were not going to rectify the situation.
Product: Debt collection

The company CACI  is sending me a letter of a debt settlement that I own them but there is no validation of debt.
Product: Debt collection

Sequium Assets put this account on my credit report years ago and it was removed. Now they have put it on my account again with a new open date of XX/XX/2020, which is when COVID hit, but the same {$81.00}. I have spoken with XXXX XXXX at Sequium Asset and he refused to even tell me what kind of account this is. Also, I have proof that I did not live at the address he has on file during the time they claim this account was open, as I lived in an entirely different city ( I have a lease for the address I actually lived at during that time ). I can not even get an account number for this debt, which was put on my credit report years ago and removed because they could not validate the debt, now it is back on my credit report with a new open date, but the same amount. They should be banned from credit reporting since they report false information in order to blackmail people into paying debts they do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 US C 1681 section 602 states I have the right to privacy. 15 US C 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 US C 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

This will be my third time placing a dispute with XXXX  in regards to the accounts that XXXX  is falsely reporting to my credit file. I have a filed a report with the FTC, and sent this information into XXXX  I have since gotten no response from XXXX  about the reason why they have not removed these false accounts from my credit file. XXXX  suffered a large security breach which caused great damage to my life as well as my overall credit file. My information was used to open several accounts that are still affecting me in a major way. I am distressed that these accounts have been included to my credit file, and XXXX  has failed to maintain reasonable procedures to make sure my credit file was accurate. I am now moving forward to sue XXXX  in small claims court in 8 business days if these accounts are not removed from my credit file as soon as possible. 

The FCRA requires XXXX  to verify the validity of each account within 30 business days, I have not heard from XXXX  and they have not verified this account to me by sending me verified information that proves the following accounts should be listed on my credit file. The following accounts should be removed from my credit file as soon as possible. ( 1 ) XXXX XXXX  {$450.00} and ( 2 ) MEDICAL DATA SYSTEMS {$1700.00}
Product: Checking or savings account

I've had debits totaling {$1700.00} withdrawn from my debit/checking account in increments of {$200.00} each. This all began when I called an online remote tv repair company I found on the internet after I called XXXX XXXX to check on the warranty of an inoperative tv I purchased from them a year earlier ( see attachment ). I believe I was told that the repair would total around {$200.00}. Instead, after several attempts, the biller informed me that the debit card I was using for the repair, did not go through. At the time, I didn't think anything was out of the ordinary but I found out later that they had submitted my card numerous times, totaling at least {$1700.00}. I immediately contacted my bank, USAA to file a dispute of the charges. I called them ( USAA ) at least three ( 3 ) times and each time was assured that the problem would be rectified. It never was and I kept getting different responses from different agents about what was being done on their end. 

Bottom line .... USAA is not standing by its reputation of helping the customer resolve disputes. I don't feel that they are investigating the matter fully and don't really care about my case. I am not planning on giving up on getting my funds restored. I am a totally XXXX veteran and on a limited income.
Product: Credit reporting or other personal consumer reports

It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for account XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXXXXXX pursuant to 15 USC 1681ia1a , your company failed to follow proper procedures regarding correspondence to me the consumer, in the handling of the reinvestigation. 
As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency.

( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available.

The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. 
Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Product: Checking or savings account

Hi, I have just received from Chase that two of my activitys on my account were not fraudulent, but instead authorized. I contacted Chase about 30 minutes after I received the text from Chase on my mobile device, regarding the online fraudulent activity. 

They then proceeded to file a claim for me and asked me to give it few days. 

They sent me this today : We found that the transaction ( s ) was processed according to the information you provided or was authorized. 

I have physical video camera proof that I was at work ( XXXX ) while the transaction happened in XXXX XXXX ( as stated on the statement ). 

Please help me Im just a XXXX XXXX, and about to lose {$3200.00}. 

I will also file a police report tomorrow, right after work or will skip work to file it. 

I would also appreciate if you could help me with tips or any help regarding my problem. 


Best -XXXX
Product: Credit reporting or other personal consumer reports

I sent certified return receipt letter to remove bankruptcy, because the bankruptcy court do not report to credit reporting company any information.
Product: Debt collection

I contacted Honor Finance almost a year ago to ask them to stop contacting people on my behalf. It is as if they found a list of everyone I 've ever known and contact all of them constantly. They have contacted old boyfriends, old bosses, former TEACHERS, all of my siblings, close friends, extended family, people I have n't spoken to in years, and my personal favorite - someone I had a restraining order against. I contacted them in XXXX to tell them that the car caught on fire and was a total loss and that I intend to file bankruptcy and they continued to harass me daily until I changed my number and blocked their emails, so they make up for it by harassing everyone else.
Product: Student loan

I recently submitted a letter to AES requesting a path to discharge my private loan based on school misconduct and fraud. I went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX My school lost accreditation and closed. My federal loans were discharged and XXXX has offered a discharge form for private loans, but AES has not. They responded XX/XX/year> saying that my loan does not qualify for the discharge that is offered for federal loans. I owe $ XXXX for this private student loan that was obtained under fraudulent promises from my school.
Product: Credit card

In XX/XX/XXXXXXXX I contact HSBC USA as there were four items on my credit card that I did not recornize - the total amount was {$230.00}. We cancelled the card and I had asked them NOT to provide a new card. Well they did set up a new card but did not send to me. I was checking with HSBC on the status of the dispute and they advised me that I owed them {$210.00}. I went back to my statements to try and figure out where this amount came from. HSBC had allowed a payment for my insurance company of {$99.00} to go through the new card ( even though this was NOT authorized by me ). This I agree and I will pay. They also included a dispute that was settled in XX/XX/XXXXXXXX  and one that I had been trying to get removed from the credit card since then and had no success, even though I have a letter stating that the dispute was settled. When I spoke with them today they told me I needed to send that letter again to them through email and also fax??? I didn't know that we had faxes anymore. They also told me this would take a number of months to fix. I CAN NOT afford to pay this disputed amount of {$540.00} so if I don't pay it then my credit is ruined. Also, I can not get back the XXXX dispute of {$230.00} because they applied it to a credit card I do not have. On top of all of this, HSBC closed my accounts ( that I have had with them for over 15 years ) at the end of XXXX. They sent over {$150000.00} via XXXX XXXX to my home in XXXX  and left it on the front step. I was out of the country at that time. They bounced my paycheck and all of my end of month bills because I did not find out until XX/XX/XXXX that they did this and that was because I went online and could not see my accounts. They had priviledged information on knowing I had XXXX HSBC bank accounts and that was used against me and they closed my accounts because I would not tell them my income in XXXX - even though XXXX had just confirmed all of that information the month before. I can not locate a statement for the new account
Product: Mortgage

I have contacted the company multiple times to have the escrow payment adjusted to the correct amount. I have been told to email the escrow department which I have with no response. I have been hung up on, argued with and told that I could not talk with a supervisor. ( by XXXX on XX/XX/2017 at XXXX ). I have also been told there is no phone number for escrow and I would have to write a letter. This is not the only issue I 've had. Statebridge bought the loan from a prior servicer and did n't have the hazard insurance information follow the loan. I spent months trying to sort that out. I did not sell the loan and I am not an employee of theirs, there is no reason I should be spending time and money chasing things down for them. Loan # XXXX
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on the report inaccurate underc15. Code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about the report relates.

15 US. Code 1681 ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if any reinvestigation under paragraph ( 1 ) of any information is found to be inaccurate or incomplete or canto be verified the consumer reporting agency shall ( 1 ) promptly delete the item of information, as appropriate .baaed on results of the reinvestigation and ( 1 ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report XXXX 
)
Product: Credit reporting, credit repair services, or other personal consumer reports

My problem is with a debt servicing company called Navient. I took out three parent student loans for my daughter. I was told at the time of each of the loans was taken that the payments wouldn't begin until some point after she graduated and that I would be notified of the payback start dates. After she graduated I was waiting to hear. I expected to hear from some place such as Dept of Education, FAFSA, FSA etc. I never heard from any one until early XX/XX/XXXX when I received a phone call from a place called Navient saying they were servicing my debts to the Dept of Education. They informed me that the payback period had started at the beginning of XX/XX/XXXX and that I was 90 days past due. I explained that I was totally unaware of this and had never heard of Navient and had never been informed of the start date. They said they would reset the start date for XX/XX/XXXX. In the meantime I happened to look at my credit report in preparation of a new unrelated loan I was considering taking. At this point I discovered that Navient had reported me as being 90 days past due on each of their three loans. The people who do the credit reporting at Navient do not take phone calls you have too send a letter. I sent a letter asking how is it right for me to be held responsible for being 90 days past due when I had never heard from them or anyone else prior to the XX/XX/XXXX phone call. They replied without response to the question only saying that the report was accurate. I tried talking to the people who take general calls but they are not authorized to make any decisions or corrections in the reporting area. I filed a complaint with XXXX XXXX and they contacted Navient who again stated that the report was accurate. I appealed to Navient with a second letter once again asking about the lack of initial notification and received the same response as the first time. All they were doing was sending notifications to me on their website but since I was totally unaware of them I had never activated this place on their site until XX/XX/XXXX Obviously my credit was good enough for them to grant the loans in the first place. In XX/XX/XXXX my score was XXXX. In the spring of XXXX it was in the high 700, s as I was preparing for retirement. That was the last time I looked at my score until XX/XX/XXXX when it was just barely above 600. Anyone with access can see that besides this issue with Navient there has never been so much as a single late payment ever or any other derogatory issue. It should also be obvious to Navient that I never set up my account with them on their website until after I heard from them in XX/XX/XXXX. They didn't have any problem getting a hold of me in XX/XX/XXXX why didn't I hear from them last fall to let me know it was to start in XX/XX/XXXX. I don't understand why its so blatantly obvious a mistake was made, they could retract the negative reporting with a couple of clicks, but refuse to do it. If you want to see any of the documents, letters or anything else let me know I'll be glad to send them, I have a stack a half inch thick.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I submitted a dispute to Equifax disputing a late payment reported by XXXX  I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment delay due to technical error : I attempted to make the payment on time, but XXXX online payment system was down for several days. This technical issue prevented me from completing the payment within the required time frame. The payment was processed as soon as the system was back online, and therefore, the late payment entry is inaccurate. 
Evidence provided : I have attached bank statements and payment confirmation records, clearly showing that the delay was caused by a system error, and the payment was made promptly once the system was restored. This documentation demonstrates that the late payment was due to external circumstances beyond my control. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

They not only have called my personal phone but have called me plenty of times at my job. They keep calling me bout once a week at my job. No matter I tell them not to contact me
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/year> 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.