23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I went to Experian 's site and clicked on free credit report. I did not know they would charge a {$1.00} then {$21.00} every month. Why would I pay {$21.00} every month when I can get it for free 3 times a year. I had never done this before. I called Experian and told them my story and they said, too bad. 
I have disputed the charges on my credit card. 
Experian 's tricks people into thinking they are getting the free credit report. They did n't list the {$21.00} charge.
Product: Credit card or prepaid card

On XX/XX/XXXX, I accepted the promotional offer on my Barclay Carnival MasterCard for an amount to be deposited into my bank account for purchases or balance transfers. There would be a processing fee of 81 dollars. My balance was zero as I hardly ever use this account. I requested {$2700.00} ( my credit limit is {$5200.00} ) which was deposited to my banking account on XX/XX/21. In the next several days I pulled up my Barclay Carnival MasterCard account on line and noticed my balance was XXXX. There had been two transactions made for {$2700.00} and two fees of {$81.00}. I immediately pulled up my banking account to see if they had deposited the money twice. They only deposited {$2700.00}. I called Barclay Carnival MasterCard and spoke to a representative and she said they would need to investigate the matter. She placed a request and told me those can take up to 48 hours. So I patiently waited 2 days and the charge was still there. I called for the second time and spoke with a representative who told me there was a glitch in their system and the money would be returned. I waited 7 days and nothing. I called for the third time and asked for a manager. She told me there was not one on site but I insisted. She put me on hold for a long time and the manager came on the phone and said she was handling it and it could take until the end of the billing cycle. So, one week later I began getting reports from my other credit cards and credit protection agency 's that I was over the limit on one of my cards. My credit score was being directly affected and I was due to close on a property in a week. I called 3 more times. One time they accidentally hung up on me and the last employee I talked to told me there no phone number to the department that was handling the glitch and that it could take up to 120 days to correct. He told me it would do me no good to call them everyday. This mistake is costing me $ 100/day and I need my card balance to be corrected. They should be able to reverse the charge on my card and correct their glitch without costing the consumer financial burden. I am suspicious of the vague comments I am receiving and the fact there is no one to talk to at Barclay Carnival MasterCard to assist me in answers. It has now been XXXX weeks since this glitch has happened and its now affecting my credit.
Product: Checking or savings account

Ally bank told me they are ending their relationship with me and closing my accounts, and gave no reasons as to why. They said they would send me a check with my remaining fund within 10 days. They never sent me anything. They basically stole my money. and it's been almost 2 months.
Product: Debt collection

I work every day. Monday thru Friday. I travel for my job. They call all day long. Even Sundays. I am tired of the harrasment. I lost my mom 7 months ago and am in no state to be dealing with constant phone calls about a debt thar was made in covid. Leave me alone!! Thank you.
Product: Credit reporting

I sent XXXX And TransUnion multiple requests regarding removal of an old mark on my credit from XXXX XXXX XXXX. 

Accordingly, I can show a judge that these accounts meet the requirements for removal and that they violated the Fair Credit Reporting Act by ignoring my requests to delete them. My previous letters -- all sent certified mail -- stated my reasons for an investigation and these reasons were not frivolous in any way.
Product: Checking or savings account

I have an online banking relationship with Capital One, as a customer with multiple accounts. When using the company 's mobile app to deposit a check, the app requires me to enter the amount on the check being deposited and then to upload a picture of the front of the check and the back showing endorsement. However, on occasions when a is HANDWRITTEN, after the check is processed, the company adds additional cents to the amount cashed and deposited as if the check was written for an higher amount, {$0.00} most recently. 

I closed accounts with Capital One, being offended by this issue, and others. It has happened at least once before previously, approximately in XXXX of 2021, but the account used in now closed and records are not available to me to verify. The amounts have always been less than a dollar, but it would make sense that it could be happening with other customers as well.
Product: Debt collection

I contacted Federal Pacific Credit Company to validate the debt they said I owe as I do not have a contract with them I also asked for the following as well : A copy of purchase agreement between XXXX XXXX and Federal Pacific Credit company. With XXXX XXXX giving all rights to this debt including the right to receive payment and charge interest to Federal Pacific Credit Company. 
If there have been any other changes or adjustments since the last billing statement from the original creditor, for them to please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. 
Do they have a debt collection license from my state? provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. 

On XX/XX/2017 I was sent a response of a retail installment sales contract with a dealership and not the original creditor they say I owe to validate this debt and along with a letter from them addressed as a lawyer with a payoff agreement. My complaint with Federal Pacific Credit company is as follows : - They have not provided me with any of the above information requested - They have put new collection balances on my credit report every month, as if I am somehow in a monthly agreement with them. 
- They are not licensed or permitted in my state allowing them to collect finance charges as a financial institution.
Product: Checking or savings account

I bank with SoFi bank and my account got restricted and when I asked for the reason they said the fraud department is working on it. It has been almost a month the report has not been done and my money has been locked out of me
Product: Bank account or service

I contacted my financial institution ( Chase Bank ) to report my stolen personal checks and to file a fraudulent check claim and Chase refused to send me an affidavit and failed to take any information regarding my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported Transunion to the office of my attorney generals office : XXXX XXXX, as my rights under the FCRA 2009 have been violated by this consumer reporting agencies, I have absolutely no idea what these Inquirys are, I have never opened applied for any account with these creditors and want this removed. I have notified my local Police department ( XXXX XXXX county sheriffs ) of these fraudulent accounts and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report these accounts In my previous CFPB report to XXXX  it was claimed that they had sent the information to the credit issuers in question that I sent a FEDERAL AFFIDAVIT The Federal Law as explained to me by my Attorney Generals office is that ; Section605B ( a ) requires CRAs to block the reporting of any information that the consumer identifes as information that resulted from an alleged identity theft, within 4 business days. The fraudulent inquirys that I am requesting be blocked & deleted and asking Transunion to cease and desist reporting are., I have NEVER APPLIED for ANY PRODUCT from these creditors, please delete these inquiries as I have never applied. The inquiries are : XXXX XXXX Inquiry from XX/XX/XXXX. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX These inquiries are fraudulent and I am requesting block to these inquiries under the FCRA 2009 605 ( b ) ( 2 ).

I have filed the FTC IDENTITY THEFT FRAUD AFFIDAVIT, please cease and desist all reporting these inquiries.
Product: Credit reporting or other personal consumer reports

This morning, I discovered inaccurate accounts on my credit report, and I am utterly confused about how they got there. I check my credit report regularly, and this time, I found unexpected discrepancies that appeared out of nowhere. I even refreshed my browser, hoping it was a temporary glitch, but nothing changed. The incorrect accounts are still there. I urgently need the documents I provided to be reviewed carefully so I can finally stop worrying about this.
Product: Debt collection

Please have this removed from my account. the date i am showing it was opened is XXXX 2016 Balance : {$1200.00} Collection / Charge-off Open Account Negative Account As of : XXXX XXXX, 2016 Account Details Payment History Contact Info Account Number : XXXX Account Type : Collection Account Amount Past Due : -- Scheduled Payment : -- Owner : Individual Opened Date : XXXX XXXX, 2016 Original Balance : {$1200.00} Original Creditor : XXXX XXXX Creditor Type : Account in Dispute No that is all the info showing on my credit report. I was not with XXXX in 2016. I have been with XXXX since XX/XX/2016 and before that was an a friends account with XXXX. I believe this to be incorrect information and not something i should have effecting my credit report. please have this reviewed and please remove from my account
Product: Credit reporting or other personal consumer reports

Bridgecrest XXXX XXXX XXXX is Inaccurately reporting my XXXX balance to the credit Bureaus such as XXXX ; my loan balance on the vehicle is not the same as reported on my credit. 
As reported on my credit The Balance of the auto loan says {$19000.00} but in regards to the Bridgecrest XXXX app my balance owed is {$19000.00}, In fact this report is Absolutely Inaccurate information ; so in regards to the fair credit reporting act they are violating my rights under 15 U.S. Code 1681i therefore I Request for its removal from my credit report, If so happens it does not get removed i request in writing where exactly my Bi-weekly payments of {$270.00} are going due to only a certain amount is going towards the vehicle itself What is the exact price of interest that XXXX paying on the loan. 
I am requesting the exact breakdown on what does the {$270.00} that I pay Bi-weekly goes too since the beginning of the contract. 
Since the beginning of the loan. 
who is the third-party lender that is applying interest to my loan payment and why thats not being reported to the credit bureau XXXX XXXX. 
report of where the interest payments are going & and a total interest charge other than the vehicle loan itself
Product: Debt collection

This debt was sent to a debt collector XXXX XXXX has deleted the debt and refunded my money XXXX  out the debt But NCA refuses to relinquish the debt NCA is trying to collect a debt that has been canceled by the original debtor
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I have settled with Wells Fargo but they have NOT removed the information from my credit report. I also need the following information removed from my credit report because it has already been more than 7 years, so it is pass the special limitations. 
1. Wells Fargo 2. XXXX XXXX  3. XXXX  4. XXXX  I really appreciate your assistance in removing these negative items from my credit report. 

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

During the Covid Pandemic, XX/XX/XXXX, I put my home mortgage account in forbearance. I didn't pay 2 months, XX/XX/XXXX and XX/XX/XXXX but resumed making payments in XX/XX/XXXX. During this time, I was instructed by the company that missed payments would not be reported to the credit bureaus. In XX/XX/XXXX, I get an alert that my mortgage account has been reported 60 days past due to all the credit reporting bureaus, although my XX/XX/XXXX mortgage statement indicated that my account was still in Covid forbearance status. When I called the mortgage company on XX/XX/XXXX that's when I was informed that my forbearance ended XX/XX/XXXX and that I should not have gone by what my actual mortgage statement was reporting, which was that my account was still in forbearance at that time. On XX/XX/XXXX I paid all past due amounts, which was also reported incorrectly on all 3 bureaus, bringing account current. Each bureau is reporting something different, so there are so many inaccuracies throughout the report. I filed disputes with all 3 bureaus and the resolve was the information was verified and reported accurately. I pulled my credit report XX/XX/XXXX, again to see that there is yet still another XXXX reporting for XX/XX/XXXX. I've written " Goodwill Letters '', spoken with several representatives and no one was willing to help me. I informed the company that a 60 day was now showing up for XX/XX/XXXX and was informed that they did not report it that I had to take it up with the reporting bureaus, which I did, and the information came back that my mortgage verified the information as accurate. I've been a customer since XX/XX/XXXX and before the pandemic I've NEVER once been late. I protect my credit like I protect my peace and there's no way I would have allowed a 60 day to hit my report, causing me XXXX points. These inaccuracies across the 3 bureaus have caused me physical, emotional and financial damages
Product: Mortgage

Most recent correspondence to Regions Bank : Although we were informed by a XXXX XXXX from Regions XXXX XXXX call Mortgage department that our home loan has now reverted back after the forgiveness/partial payment period during covid has ceased. This has not been the case. 

We were previously advised that this was held up due to XXXX affairs- through communication after XXXX of calls, because we do not reside in the residence the whole period,, XXXX XXXX could not accept the adjustment. 

However XXXX XXXX received an email XX/XX/XXXX from the mortgage department @ Regions that Regions have accepted the request and all monies for this period would be transferred to the end of the loan. 

We have not at any stage received confirmation after completing requested initial paperwork and being informed by the Regions XXXX in the branch, Nor have we received documentation that this partial payment period had ceased. 

The other issue is that Regions bank did NOT amend their records accordingly and have been charging late fees, affecting my XXXX XXXX during this whole period. 

We know now that we are expected to pay {$1100.00} at XXXX of every month moving forward. 

AGain this information has only been advised to us by us calling Regions and nothing had been received in writing. The initial application was done in XX/XX/XXXX. We have been contacting both Regions and XXXX XXXX, when we noticed the bank statements were not reflecting the change requested and accepted by REgions. 

I am asking that the mortgage department and REgions rectify the XXXX XXXX and adjust the period up until last week 's call to reflect the agreed forgiveness amount of approx {$850.00} in all history and paperwork. Effective the XXXX of XXXX the amount will be {$1100.00} moving forward. 


This has been a nightmare and we have spoken with multiple XXXX staff members to have no result. I am reaching out to you to see how you can assist us in this matter. It looks like litigation will be the only way moving forward. 


We have been renting a home in XXXX for XXXX years as we can not apply for a new loan as a result of Regions Banks incompetence. We have equity in the home in XXXX that we can utilise, howver until this is fixed we can not borrow against it!
Product: Credit card or prepaid card

Thank you all for taking my complaint! From day 1 I have had nothing but problems from Barclays Bank, and their AAdvantage Aviator XXXX XXXX XXXX XXXX. Mind you they solicited me during my first class flight on XX/XX/2022. I was approved for {$3500.00}, and I was offered : 0 % intro annual percentage for 15 months on balance transfers made within 45 days of account opening. 

{$0.00} introductory annual fee the first year, after that {$99.00} When I tried to request a balance transfer after approval, they tried to drag it out past the 45 days so they did not have to honor the promotion. I had to contact them constantly regarding the balance transfer offer. I had to escalate to a manager. I finally received the balance transfer. 

Now they have started charging me erroneous insufficient funds fees. When I schedule a payment, they try to draft the funds before the scheduled date, then they retry on the scheduled date. I have funds in the account, however my Credit Union s not going to release the funds until the scheduled date. Tw billing cycles have passed, and they have charged me two insufficient fund fees. In my opinion they are doing this to recoup the {$99.00} annual card fee, which was waived under this alleged promotion. In my opinion they are charging me these erroneous fees, because they can not collect interest from due to this alleged promotion. Ever since I rang the alarm on the erroneous insufficient fund fees, they refuse to speak to me. When I chat they tell me to call in. When I call in they leave me holding for an alleged supervisor ; Or Manager. I am paying my bill, I am paying my bill before the due date. In my opinion Barclay Bank, and AAdvantage AviatoXXXX XXXX XXXX XXXX XXXX are committing fraud on my account! In my opinion Barclay Bank, and AAdvantage Aviator XXXX XXXX XXXX XXXX are stealing money from me! Please help me stop Barclay Bank, and AAdvantage Aviator XXXX XXXX XXXX XXXX are committing fraud on my account from the illegal activities they are committing against my account. They are ruining my credit with these erroneous insufficient fund fees. Please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my consumer report and found inaccurate items on my consumer report. The following items are XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX, INACCURATE NAMES, AND ADDRESS.
Product: Credit card

Weekly, I receive letters for balance transfers from Citibank. This includes a balance transfer letter received for {$7900.00}. I received a letter from Citi stating they are unable to approve my application based on information received from XXXX. I attempted to make contact with both companies and all I received were automated responses. I have worked hard to maintain my XXXX plus credit score. I have not received information that was used to deny my application. These companies are required to provide negative information that was used to deny my application for a balance transfer. For many years I have not been declined for any kind of card. 

This is a follow-up to XXXX - XXXX.
Product: Debt collection

DEBT WAS PAID UP. DEPUTE THESE ITEMS AND WAS PAID. [ XXXX XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account reporting on my Experian credit report through XXXX XXXX XXXX that I've been disputing for the past several months. This account was opened by my ex-spouse without my knowledge or consent through identity fraud. I've never signed any contracts or documents relating to this account and as a result I have been denied credit on several occasions due to this fraudulent established account. I've sent it Experian an affidavit identity theft report along with other supporting documentation but yet this account still remains on my credit file. Experian claims the account has been verified only due to matching up my personal information with the original creditor which is not accurate verification in the law of the courts and not to mention any individual having access to my personal information would easily be able to act as me on their behalf. Since Experian has not provided physical accurate verification, I am exercising my rights under the Fair Credit Reporting Act sections, 605b, 609, and 611.
Product: Credit reporting or other personal consumer reports

There is information on my consumer report that is identity theft. I did not provide written permission or instruction with a wet signature for these transactions to be reported on my consumer report. I reached out to you recently to fix these! I'm requesting that this info to be blocked and deleted ASAP.. You have caused me XXXX XXXX XXXX stress when you issued an items that does not belong to me and in which I am not responsible for. I'm seeking litigation if this complaint is not being handled accordingly. I have not been able to purchase my dream house and provide for my family needs due to these fake, inaccurate and fraudulent items showing on my credit record. I attached a letter that I previously sent.