23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

XX/XX/2024 - Attempted to use Vanilla Visa gift cards, declined by multiple merchants for various amounts XX/XX/2024 - spoke to customer service - claims card declined transactions due to security purposes, and to attempt transactions again at different merchants. Representatives are not based in USA, and do not understand English at all, and have difficulty understanding basic spelling of letters. 
XX/XX/2024 - attempted to use Vanilla Visa gift cards again, declined by multiple merchants again. 
XX/XX/2024 - spoke to customer service - claims card declined transactions due to security purposes, and to attempt transactions again at different merchants. Representatives are not based in USA, and do not understand English at all, and have difficulty understanding basic spelling of letters. 
XX/XX/2024 - attempted to use Vanilla Visa gift cards again, declined by multiple merchants again XX/XX/2024 - spoke to customer service - claims card declined transactions due to security purposes, and to attempt transactions again at different merchants. Told me they can issue a new card. They continue to offer no other acceptable options. Merchants will not accept their payment. Told them I have many Vanilla Visa gift cards, and I want refund at this point. Representatives are not based in USA, and do not understand English at all, and have difficulty understanding basic spelling of letters.
Product: Credit reporting or other personal consumer reports

My account with GLBLNDSVCS was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account specified below continued to report on my credit report despite the previous sent letters, in violation of federal law. I dated the previous letter I sent to the Equifax credit bureau last XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be validated ( A ). I will take legal action against you if you do not validate this account. Please act in accordance to the law so that this situation can be settled quickly : XXXX XXXX Balance : {$0.00}
Product: Checking or savings account

PNC BANK closed out my checking account because of an issue I CAN NOT OPEN MY XXXX XXXX ACCOUNT IT AS BEEN RESTRICTED my PNC ACCOUNT WAS CLOSED OUT because of an issue with a merchant I purchased computers for my business the merchant did not deliver or claimed the packages got lost so I then did a police report pnc temporary credit my checking account I was able to take the funds from the bank and went on to purchase my items with the funds after submitting the police report and all the substantial evidence pnc bank still ruled that my account was not to be permanently credited closed it out at a negative balance and then sent me to collections. I then applied for a XXXX XXXX XXXX XXXX account because now that my account is closed I need to do banking else where XXXX XXXX  pnc as sent NEGATIVE INFORMATION OF FRAUD to XXXX XXXX and until this is corrected they will not do business with me I have attached all the evidence after reaching out to XXXX they ruled to stand by PNC Decision and found no error. Please Help ME rectify this situation
Product: Vehicle loan or lease

Purchased Used vehicle XXXX contract amount was XXXX @ {$740.00} per month for 60 months. Santander has us still owing {$23000.00} as of XXXX, Current statement has owing more than we borrowed and have made payments. I think that is impossible. 

We have contacted them numerous times over the last year to ask options and we have 2 options. 1- turn the car in under a repo and get sued for balance or 2- pay off the balance. We are on a fixed income and no longer can afford the car loan, as it should be paid off and then some. 

The value of the car is less than 9K at this point. Abusive lending practices.Extreme lending rates.
Product: Debt collection

I called united collections bureau multiple times back after receiving voice messages. They put me on hold to speak to someone each time and I got hung up. I left them multiple voice messages and they never responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

on reviewing my reports, there are still incorrect information found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XX/XX/XXXX and XX/XX/XXXX was XXXX,, but no response was ever received from them today date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports that need to be corrected and removed in my file immediately : Account # XXXX XXXX XXXX XXXX, Balance Owed : { {$460.00} }
Product: Debt collection

This debt was listed on The affidavit of identity theft. I have contacted the credit bureaus, they removed and reinsterted the debt. This is a violation and I will Persue a lawsuit immediately if not removed. From my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the following information below contained in the attached files with XXXX, XXXX, AND XXXX and up until this day, these accounts are still reporting inaccurately on my credit file. * DISCOVER BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I tried multiple times to resolve this problem with them because I do not wish to pursue legal actions against them but they have been neglecting the duties mandated by the FCRA. This has caused me so much emotional and mental stress because they are degrading my credit rating by reporting erroneous information and preventing me to obtain the necessary credits amidst the pandemic. XXXX, XXXX AND XXXX has violated so many laws, the investigation results and status were not communicated to me. I explicitly requested verified documentation for the supposed information reporting on my credit file, but I have yet to get anything. Despite being disputed, there is still a lot of inaccurate information on my credit report. I was not notified about the investigation as well as the results so I'm not even sure whether or not they did the investigation. If they did, the errors on my credit report were not fixed despite their " investigation ''.
Product: Credit reporting or other personal consumer reports

I enrolled in a debt repayment plan to responsibly pay my debt to Barclay 's XXXX XXXX due to my child having special needs and needing to create a sustainable repayment plan with my new financial responsibilities. Barclay 's accepted my debt repayment plan on XX/XX/2023 ( see attached email from In Charge Debt Solutions ), but failed to change my required monthly payment to the plan agreement of {$39.00}. In XX/XX/2023 ( see attached statement titled Barclay 's XXXX ), In Charge Debt Solutions paid them the agreed upon monthly payment of {$39.00}. At that point, my account went past due because Barclay 's did not change my minimum payment due until XX/XX/2023 ( 4 months past the agreed upon new rate ). 

The monthly payment is now correct ( after I called Barclays several times ), and is paid directly by In Charge Debt Solutions. However, Barclay 's continues to report my account as 60 and 120 past due, when in fact, I have never been late ( see attached statements showing no late payments or past due amounts prior to the agreed upon debt repayment plan ). When I call, the representatives agree with this account and open a new dispute, but the office that reviews disputes continues to state I was past due PRIOR to the debt repayment plan, and refuse to change my status in their credit reporting. I am unable to speak with anyone in the dispute department that handles credit reporting. I have called every month since XX/XX/2023, and they continue to file a new dispute, and continue to reject it without any factual data indicating I was past due prior to enrollment in the debt repayment plan. This is an error on Barclay 's part by not correctly adjusting my monthly payment amount due in XXXX of 2023 ( after agreeing to the new payment amount in XX/XX/2023 ), causing my account to go past due in XX/XX/2023. 

This issue has destroyed my credit, which has always been around 700. I am a home owner and a single mother, and I have worked hard to maintain a good credit score. I would appreciate any suggestions on how to remedy this incredibly unfair situation.
Product: Debt collection

I was checking my credit report and I notice 5 collections were added to my report from Ars I have never received any notification of this debt by mail or phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Citibank is now making false reports on the consumer banking reports about individuals. Citibank locked my 2 accounts and 1 without my knowledge, have now reported false information on the consumer banking report. I was trying to apply for another banking account with XXXX Bank and the report came up with fraud and saying I had committed the fraud. The bank refused me an account because of this. 

This is false information they are reporting on me. Someone committed fraud on my bank account, and I reported it. So, they claim they are not done with the investigation. It is enough you steal customers money and hold their money captive. Now you are making false reports on consumers.
Product: Credit reporting 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 3 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 correct : XXXX XXXX **** Balance Owed : {$350000.00} XXXX XXXX  **** Balance Owed : {$9800.00} XXXX XXXX  XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX  XXXX Balance Owed : {$10000.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX XXXX XXXX Owed : {$190000.00} XXXX XXXX XXXX XXXX Owed : {$350000.00} XXXX XXXX XXXX Balance Owed : {$9800.00} XXXX XXXX  XXXX Balance Owed : {$1300.00XXXX XXXX  XXXX Balance Owed : {$10000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$190000.00} XXXX XXXX XXXX Balance Owed : {$350000.00} XXXX XXXX XXXX Balance Owed : {$9800.00} XXXX  XXXX Owed : {$10000.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$2700.00}
Product: Credit card

I tried to consolidate my debt to lower my payments and I was approved for XXXX  % loans which was ridiculous
Product: Credit reporting or other personal consumer reports

Kindly get rid of these inquiries. I don't have any information on this, and the company did it without my authorization.
Product: Mortgage

My mortgage is now being serviced by MrCooper. I called their customer service at XXXX around XX/XX/2019 and explained the issue that their escrow analysis seemed to be too high and based on incorrect information. They gave me an email address to send documents to and I sent them the attached copy of our real estate tax bill to XXXX and included the following information in the email on XX/XX/2019. I have had no response or acknowledgement regarding my request to have my escrow analysis relooked at. 
This was the email message. 
Hi Please look at my loan # XXXX for XXXX XXXX XXXX, XXXX, MD XXXX since you increased my monthly escrow payment to {$1500.00} and noted that my taxes are over {$12000.00} when they are {$8400.00}. Attached is the most recent tax bill from my county for you to review and look at in calculating a correct escrow payment. 
Thank you I am attaching my tax bill and the escrow statement from them showing their escrow analysis which seems to be using {$12000.00} for property taxes when the property tax bill is actually {$8400.00} which I received from the county where the property is located.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a of bill I received in the mail. I have never heard from the place before. I immediately suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX XXXX {$26000.00} XXXX  XXXX   XXXX {$370.00} BANKRUPTCY CHAPTER XXXX-FILED XXXX {$0.00}
Product: Checking or savings account

On XX/XX/XXXX I made an XXXX  purchase of {$100.00} through my Chime XXXX bank and have never received my phone or started a plan for the order. On XX/XX/XXXX I was supposed to be refunded by XXXX from XXXX but he is stating Chime has an authorization hold. I speak to Chime and they state they do not have a hold and I send all proof of refund to me and they deny my claim and state I'm responsible for the {$100.00} even though XXXX  is trying to refund me. Both XXXX  and Chime keep going back and forth and giving me the run around about where my money went since XXXX  state they don't have the funds but Chime states it was released to them.
Product: Credit reporting or other personal consumer reports

my name is XXXX and I disputed a XXXX BANK XXXX on my XXXX secondary credit report. After my dispute, the investigation was completed on XX/XX/year>. the account was deleted from my XXXX report. Generate a letter I can upload to the CFPB and send to the XXXX advising them of the deletion from XXXX. Include if XXXX deleted the account completely they will have to do the same due to the account now being verified. include any consumer laws that protect me as a consumer and encourage the credit reporting agencies to remove the unverifiable debt from my credit report within XXXX  days or less. if the unverifiable account is not removed within XXXX days or less, please include any consumer laws that include my right to sue and take legal action.
Product: Credit card or prepaid card

The issue is with Barclays US credit card. 
Despite repeated requests ( 2 ) Barclays US bank refuses to provide me with a credit card paper statement. It only sent me an electronic reminder listing the minimum payment due ( {$29.00} ) however it refused to provide a statement listing all purchases. On XX/XX/XXXX and XXXX I called the company numerous times and the calls were not answered. 
Subsequently I got excuses such as the Barclays US card experiencing problem with the XXXX XXXX or another excuse provided to the credit card partner supervisor ( Wyndham ) stating that the company is undergoing " system updates '' etc. 
The bottom line is Barclays US is unwilling/incapable to provide a basic customer service and depending who asks them the answer is different depending who picks up their phone. It is apparent that their overseas call center employees ( most likely provided by the third party vendor ) are not properly trained to handle calls or in my case are not even responding to calls. The question to the US regulator I have is this : Why is the Barclays Bank US allowed to operate in the US market when it can not meet a basic requirement such as customer service or even send out a credit card statement? Also why the Barclays Banks sends out electronic reminders to pay a minimum fee instead sending the total amount due? It appears that the bank deliberately drives the consumers to pay their minimum fees so the bank can charge high interest rates on the amount owed. I paid my estimated bill as I am unable to find out how much I actually owe on this card at this time due to the large volume of transactions.
Product: Debt collection

Us1 global solutions called my dad in NC. I live in Florida. I never have given anybody my dad 's number. He said that they said I was being served. I do not know what for. My dad gave me the number of these people. XXXX. I called it. A recorder said it didn't exist. I had delt with a company that said I owe a bill which when I checked it out. There was no balance. It was back in 2007 and paid. A XXXX  card. They kept calling and I changed my number. They are harassing me now. So I reported them to you. They called my dad on XXXX :
Product: Credit reporting or other personal consumer reports

Lexisnexis is providing incorrect information to my insurance company. This has caused my insurance to nearly double over an accident that the XXXX  XXXX has no record of what so ever. I am unable to dispute this as they require a case number... but there is no case number as the accident never took place. Their phone line had me on hold for. 

XX/XX/year> - XXXX hours XX/XX/year> - XXXX XXXX hours XX/XX/year> - XXXX hours Several states have already sued them for this exact type of action and I cant understand how they are still able to do business this way. Private information is shared and most of it is incorrect which lead to adverse actions against consumers.
Product: Debt collection

HI LVNV FUNDING/ Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion investigation has taken more than 140 days to investigate my initial dispute, and they have still have failed to respond more than140 days later. I wrote to TransUnion requesting an investigation to advise them of accounts showing Inaccurate, Unverifiable, and Incompleteon my credit report on XX/XX/XXXX. TransUnion received and accepted through registered mail my dispute letter mailing dated ( XX/XX/XXXX ) and my follow-up letter ( XX/XX/XXXX ), and a second follow-up letter on XX/XX/XXXX. To date, they have not done their duty as mandated by law. These erroneous errors are continuing to report on my credit report after multiple attempts to have them corrected. Under Federal Law, I also understand they are required to complete and notify me of their investigation results within 30 days, which I have given an additional day due to COVID, but to take 140 days is ridiculous. TransUnion has failed to provide me anything in more than 140 days.
Product: Credit card or prepaid card

I have 8 credit cards that falls under synchrony financial. Last year sadly to say I was laid off of my job that I had worked for 17 years, this made time a little hard but never the less I have never missed any of my credit card payment for none of my cards even cards that do not fall under synchrony. Synchrony has continued to run my credit reducing my credit limits to what the balances were until they were paid off and then closed the accounts. while I have continued to work hard to increase my score back up by snchrony continuing to reduce my limits to what the balances are, shows the credit reporting companies that my cards are maxed out, which they really are not. This drops my score and then when they close my accounts that also drops my score instead of my scores going up they are contributing to my scores going down. My score will not increase with the way they handle accounts.If I was ever late or not paying my bill that would be one thing but when I am faithfully making my monthly payments that is awful. This is not fair to consumers. I would rather close all my accounts and never do any business with another business that supports synchony. Instead of shopping XXXX I will show XXXX XXXX and etc. This is really bad business and really hurts there long loyal customers. And for the record my score did not drop because I do n't pay my bills its because I have to much credit and after my layoff I was only able to pay the minimum on most of my cards but now that I have started back working I have been working to get all my bills paid off so my score will increase back.