23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Complaint Against Barclays Unfair Interest Charge Assessment I am filing this complaint against Barclays regarding an unfair interest charge of {$230.00} that was posted to my account on XX/XX/year>, despite my efforts to make timely payments and resolve the issue. 

Summary of Events : On XX/XX/year>, I received two refunds from a merchant, totaling {$10000.00} and {$3900.00}, which brought my account balance to {$0.00} before my payment due date of XX/XX/year>. 

Upon attempting to make a payment on XXXX XXXX, I received a system notification stating that no payment was needed because my balance was already {$0.00} at that time. Below is the error message : " Errors found The sum of your scheduled payments can not exceed your current balance. The maximum payment you can make on your selected payment date is {$0.00}. 

To modify or cancel scheduled payments, visit Payment activity. '' Despite this, Barclays charged me an interest fee of {$230.00} on XX/XX/year>. 


On XX/XX/year>, I contacted Barclays to request a one-time courtesy waiver for any interest charge due to the delay in my refund posting. 

Barclays denied my request, stating that interest charges are applied when a balance is carried over, despite the fact that my balance was {$0.00} before the due date due to the refunds. 

Why This is Unfair : The refunds cleared before my due date, which means my balance was effectively paid off before interest should have been assessed. 

Barclays ' system did not allow me to make an additional payment when I attempted to do so, reinforcing that I had satisfied the payment requirement. 

The interest charge does not align with fair banking practices, as I was prevented from taking action to avoid it. 

I am requesting the CFPBs assistance in having Barclays issue a refund of {$230.00} for the unfairly charged interest. As a responsible customer, I believe I should not be penalized for circumstances outside my control, and I ask for a fair resolution to this matter. 

Thank you for your time and consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXL XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX CREDIT FILE : XX/XX/XXXX CONFIRMATION # XXXX I have written via US Mail, Equifax, on more than one occasion that I am the Victim of ID Theft and fraud for many years now. According to Special Agent XXXX XXXX with the IRS Criminal Investigation Division ( CID ), they have stolen my ID and filed fake tax returns and established credit using my Tax ID. 

The following accounts were due to ID Theft : XXXX -Card Services Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX Also, they have to remove the following misleading, incorrect and inaccurate information in my credit file : Previous Address ( es ) : XXXX XXXX XXXX CT, XXXX, FL XXXX Formerly Known As : XXXX XXXX XXXX Last Reported Employment : XXXX ; They have not yet removed this information after months of writing to them to correct the information. I have been at my address for more than 7 years already.
Product: Debt collection

Medical data system claims that I owe a debt with them for {$290.00}. And I have never had an account with medical data system. And if this is a medical debt this would be a HIPPA violation with sharing my information to a 3rd party company.
Product: Student loan

Received notice in Late XXXX that payments were restarting. 
I submitted an in-school deferment form XX/XX/XXXX, which was rejected due to signature not appearing Received proper document and went to resubmit XX/XX/XXXX. 
Received no other notice from the agency. 
XX/XX/XXXX, was told account was moved to collections and they could no longer help.
Product: Student loan

I am in process of trying to transfer my loans to take advantage of PSLF. One of my employers from XX/XX/XXXX - XX/XX/XXXX has since dissolved, as such I am unable to obtain the Employer Certification. 

Fed Loan Servicing has advised that I need to produce either paystubs or w2s from my time of service in order to qualify for PSLF certification. I did inquire if they would accept my 1040 Tax filing or an IRS Transcript of my tax return showing the employment from that period however they will not. 

I do not have the means to produce the required documentation and am requesting support or an alternative means of certification.
Product: Credit reporting or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX  Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX Account name : XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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. Also 42 USC 408 states that asking for anyone 's social security number on any loan is fraud and a violation of RICO for double dipping.
Product: Credit card or prepaid card

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623. I have done many attempts to reach out to XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and correct it from my personal credit file. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies made unauthorized inquiries on my personal credit report. I listed below the names and the dates of inquiries were made. Since I did not authorize these companies to obtain my credit report, I demand that these inquiries be deleted as soon as possible and my credit score be adjusted accordingly : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Under lawyers Lein lawyer took case on contingency, I had My exam. After signing the retainer agreement the lawyer did not do due diligence and did not find out the person at faults insurance did n't cover my expenses.
Product: Credit reporting or other personal consumer reports

The List of accounts below has 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 violated my rights. I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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. 


I'm not liable for this debt XXXX # XXXX, I do not have a contract with XXXX XXXX XXXX. 
I'm not liable for this debt XXXX XXXX # XXXX, XXXX XXXX XXXX : # XXXX, XXXX : # XXXX I do not have a contract with XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX.
Product: Bank account or service

Citibank offered a promotion for opening a CitiGold checking account in the beginning of the year. If the customer makes the requirements, we are supposed to receive XXXX in XXXX XXXX points. I made the requirements, and even confirmed with a representative of CitiBank that I was supposed to receive the points by the end of XXXX. I have not received the points yet. I made multiple attempts to ask Citi to honor their agreement, but to no avail.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please original instrument of indebtedness for this account. This payment history and dates for this account inaccurate. If this account is Charged-Off how can it still be open with a balance. 

Please provide physical verification, method of verification, and validation of debt for this account. 


XXXX XXXX XXXX # XXXX
Product: Student loan

On XX/XX/2023 I called and waited on the line for over 90 minutes to get to a representative. 

During our conversation she was able to explain how the XXXX program worked ( payment ) so I could optimize my payment impact. This was the good thing. I am on the program. They have one payment before this forbearance was put into place. 

We also discussed having the forbearance removed. I was told that this is possible and would take a couple of weeks. I would be getting some info by mail. The only info I got was about the resolution of the borrower defense that was already taken care of previously. 

About 2 weeks later I sent an email to them as a follow up to the situation where I again requested that my forebear be removed. I wanted to pay. I didn't want any interest to be added to my account. Any to build up since the XXXX program removes the added interest once you pay the amount. 

I have attempted to call them again but to get to a rep the call would again be more than 90 minutes. 

In my opinion it appears as if they are ignoring my request as it adds more interest to the account which would be added to my current principle benefiting the company. Nothing done with the first call or the email sent. No TXT, internal message or snail mail. 

I can't afford to pay the full default amount so much if not all of what I would pay would only go to interest again benefiting the company.
Product: Debt collection

PHOENIX FINANCIAL SERVICES HAS AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agencies and creditors are in violation of the law.
Product: Debt collection

Commenity Bank calls every day of the week including Sunday. They call all day long back to back. I have gotten in trouble at work for my phone repeatedly going off. I have had to silence all calls coming in to my phone unless the number is in my XXXX just so I can keep my phone on. XXXX cant record videos or take pictures as soon as I do, one of their calls comes through and stops it. I have told them before that calling that much is harassment. I know I need to pay and Ive apologized to them stating I extend to make payments and I do when I can I am just in a really bad spot financially and cant make the full payments right now. I dont know what to do to get them to stop.
Product: Mortgage

send any and all correspondence between any law firm and servicer including but not limited to XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  or any of their attorneys or any employees of that law firm or any other law firm to Chase. Include any correspondence Chase sent as a response or as an inquiry include Telephone logs, emails, text messages and any other kind of communication to XXXXXXXX XXXX XXXX  or any other attorneys or any other law firm between XX/XX/2015 to present including but not limited to subpoenas summonses or responses to subpoenas or summonses
Product: Credit reporting, credit repair services, or other personal consumer reports

I called an Experian representative to discuss inaccurate information on my credit report. The representative called XXXX XXXX, and the XXXX XXXX representative confirmed to the Experian representative and I that it was a settled account and that I owed them XXXX dollars. After the phone call ended your representative told me she could not remove the inaccurate information because it was cloudy, despite the fact that XXXX XXXX said that I owed them no money. I wanted to make sure that Experian was clear on the status, because it was a settlement. So I asked the XXXX XXXX representative if they would take any payments from me and he replied no. That my balance was settled and I no longer owed them money. He stated that on XX/XX/2020 XXXX sent the information regarding the settled account to the credit agencies. 
I am able to verify this to be true, in a couple days of this report XXXX  and XXXX  reported the accurate information. Despite hearing this directly, the Experian representative refused to remove the information from my credit report. I asking to talk to her supervisor, the line went straight to voicemail.
Product: Money transfer, virtual currency, or money service

Ok XX/XX/year>, someone used my phone to access my Wells Fargo account without my knowledge and send {$1800.00} by XXXX to someone I did not know. I had no knowledge until after this happened and reported it to my bank. My claims have been denied twice without reason and keep telling me I authorized the transaction and I did not. The said they researched and proved I did it just because it was my account but I would never authorize to send my last bit of savings to anyone. They've failed at reasoning and providing proper evidence to the issue. I need this resolved and my money returned. Their app is faulty and never locks when closing out of it so I need explanation to that as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I talk to Experian office of consumer affairs that no companies cant access my Experian credit report when they tried to access it they get no hit and also I tried to access it thru Experian .com and it keeps giving me a message saying technical difficulties theirs no freeze or credit lock on my report. I think Experian office of consumer affairs put a block on my file from their system so that I can't access it or any other creditor also I call them about this all the time is they act like theirs no problem with my report what they doing is holding my file hostage it's causing damage to me in delay me in getting credit. My name XXXX XXXX social XXXX XX/XX/XXXX date of birth please take action
Product: Checking or savings account

Since XX/XX/year>, I have noticed multiple unauthorized charges on my Wells Fargo checking account, totaling {$93000.00}. Despite my repeated attempts to resolve the matter, Wells Fargo has been uncooperative and insists that my reports were filed too late, even though I have reviewed Wells Fargo 's policies and submitted my reports within the required timeframe. 

Wells Fargo continues to authorize these charges without my consent and refuses to assist in recovering my funds. Furthermore, the case has been repeatedly closed with no resolution. 

If this issue is not addressed promptly, I will have no choice but to involve my legal team to ensure that this matter is properly handled. I have already contacted my local police department and they have issued a Subpoena on Wells Fargo. I request that immediate action be taken to resolve this situation and recover the unauthorized charges.
Product: Credit reporting or other personal consumer reports

This morning, I found incorrect accounts on my credit report and I don't know why. When I checked my credit report as usual, I saw unexpected discrepancies. I refreshed my browser to check if it was a glitch, but the inaccuracies remained. Therefore, I'm requesting a thorough review of the documents I've sent to resolve this issue and prevent future worries.
Product: Debt collection

I moved from my apartment at XXXX XXXX XXXX XXXX XXXX, and moved to XXXX in XX/XX/2018. I never received notice or mail or phone call that there was a remaining balance past the time the meter was to be cut off and I had moved. I did not receive a word until the collection company called me! They told me to pay the amount and it would not be on my report, or if it did show they would correct. The did not do this and it still shows unpaid in collections. The derogatory collections on my credit report is from a company called COLLBUREAU. The original creditor was XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$140.00}. The same and only day they contacted me from the collection agency was on XX/XX/2018 and I spoke with XXXX. I paid the full amount and confirmed on My XXXX Credit card on XX/XX/2018 in the full amount of {$140.00}. And, XXXX gave me the confirmation number XXXX. 
XXXX shows payment on XX/XX/2018 for {$140.00}, there reference number is # XXXX The charge appeared on My XXXX credit card as 'cbhv, Inc. phone number XXXX. 

The problem is they NEVER REMOVED this into paid, nor add any notes of the circumstances and it still shows unpaid collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DEMAND THESE FALSELY REPORTED LATE PAYMENTS BE REMOVED FROM MY CREDIT REPORT IN REGARDS TO MY NAVY FEDERAL CREDIT UNION XXXX CREDIT CARD FOR THESE DATES XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX  Account Number- To Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. 
Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information. 
I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion 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 this complaint.

These fraudulent hard inquiries consist of XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX and XXXX XXXX XXXX on XX/XX/XXXX reporting to Transunion.

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 TU # XXXX 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: Debt collection

I have previously filed a complaint with the CFPB ( complaint ID number XXXX ). Since the supposed resolution of the last complaint, I have continued to receive calls from this debt collection company that are harassing in nature- XXXX XXXX  and then hanging up, but my caller ID has logged every single call. This company calls in this manner 3 or 4 times a day, the most recent call being today, XX/XX/XXXX at XXXX XXXX XXXX. The company previously said in the resolution to my last complaint that they would cease contact but they have not and have in fact increased their calls, and XXXX XXXX and hanging up is definitely legally harassment.