23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I closed my account with Barclays due to the annual fee and it was credited back to me on XXXX XXXX XXXX  ( same day it was charged ). Flash forward to XXXX XXXX XXXX I was charged for the {$99.00} fee in the auto payment, I called wanting my money back as the balance was already {$0.00} and was told I had to wait 5 business days to request my money is returned, plus at that point I'll only get a physical check for the funds..

in the below email text, it clearly states " If your Automatic payment is greater than the current statement balance, we will reduce the payment for that billing cycle to the statement balance amount. '' This did not happen. I was still charged for the {$99.00} fee even though it was already reversed. 

I should not have to be waiting for weeks to get my money back for their banking error. 

Your card : XXXX XXXX XXXX XXXX XXXX Payment amount : {$99.00} Scheduled for : XX/XX/year> Bank account name : View my account Important things to note about AutoPay : If your Automatic payment is greater than the current statement balance, we will reduce the payment for that billing cycle to the statement balance amount. 

If your Automatic payment amount is lower than the minimum payment due, your payment will be increased to the minimum amount due for that statement balance amount. This is to avoid your account going past due and ensures your account remains in good standing. 

If you do not want an Automatic payment to be increased, we recommend you cancel it. Please remember, if you cancel your payment or pay any amount less than the minimum amount due by the payment due date, you may be charged a late fee.

You can cancel your Automatic payment any time before XXXX XXXX  ET up to the date the payment is scheduled to be made. 
You can make a one-time payment in any amount up until XXXX XXXX ET on the payment due date using the make a payment option. 
A newly scheduled Automatic payment, scheduled after XXXX XXXX ET on that same day, can be changed any time before XXXXXXXX XXXX ET.
Product: Credit reporting or other personal consumer reports

In XXXX i got my car finance the information they put on the account for the credit had the wrong social come to find out out it was another female they then called me about three months later called telling us the information on the social card is incorrect. I then went and got my Social Security card updates with the correct information called back and told them all the new information for them to now have fixed it. Today XX/XX/XXXXXXXX  I now have a fraud on that loan and I cant go any further with it.
Product: Credit card or prepaid card

Capital one has failed to put an effort to actually resolve my dispute, they have never mailed or e-mailed me a request to send out an evidence to support my claim, and have concluded the charged made on the wrong item I received is valid. Claim number XXXX
Product: Credit reporting, credit repair services, 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 XXXX Account # XXXX has violated my rights, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ACCOUNT # XXXX has violated my rights, XXXX XXXX Account # XXXX has violated my rights, XXXX XXXX ACCOUNT # XXXX, has violated my rights, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX, has violated my rights, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX has violated my rights, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) ACCOUNT # XXXX has violated my rights, XXXX XXXX XXXX ACCOUNT XXXX XXXX, has violated my rights, XXXX XXXX account # XXXX has violated my rights, XXXX  XXXX account # XXXX has violated my rights, XXXX ACCOUNT # XXXX has violated my rights, XXXX XXXX ACCOUNT # XXXX has violated my rights, XXXX XXXX ACCOUNT # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act these accounts has violated my rights. 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 1681 section 602 ( A ) States I have the right to privacy.

15 U.S.C. 1681C. ( A ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the follow items of information any other adverse item 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 168s-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.
Product: Checking or savings account

On or about XX/XX/XXXX, I received a phone message from a XXXX XXXX of " XXXX Investigations ''. They claimed to be hired by Wells Fargo to locate valid heirs of XXXX XXXX XXXX ( my deceased mother ). My mother died in 2010 and my first thought was that this is some sort of scam or phishing expedition. I called them back to see how far they would take it. Also, there was a remote possibility that it could be legitimate. XXXX at XXXX XXXX claimed that my deceased mother had a savings account at Wells Fargo containing approximately {$19000.00} that had apparently been missed by probate 13 years prior. Their " fee '' would be 10 % of the amount returned by Wells Fargo. I had a meeting with the local Wells Fargo branch manager, and she was absolutely useless. She wouldn't tell me whether her employer uses companies like XXXX XXXX for the purpose stated. Side note : They wouldn't need to because both my parents have lived at the same address for the last 60 years and are easy to locate. My father, who is XXXX and still very much alive, still lives there. The branch manager wouldn't say even if my mother was in their system or if an account existed. She hid behind the fact that I didn't have the requisite documentation of probate. Next, my XXXXXXXX XXXX father went down to the local Well Fargo branch in Florida with ALL THE REQUISITE DOCUMENTATION to establish the facts. Wells Fargo treated him exactly the way they handled me. They wouldn't say anything helpful. Today, my father doesn't know whether or not it's a scam or not, because Wells Fargo has been totally uncooperative in the matter. Doesn't the bank have a fiduciary duty to provide more information, instead of stonewalling the customer. Plus, if it is a scam, it needs to be reported to the proper authorities as soon as possible.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that my social security number has been compromised, resulting in identity theft. I have reported this to the Federal Trade Commission and enclosed the FTC Report with this letter. 

Under 15 USC 1681c-2 c ( a ), you must block and remove all fraudulent information from my credit report within four business days. The following accounts are unverified and inaccurate, violating my consumer rights under the Fair Credit Reporting Act ( 15 USC 1681 ) : ACCOUNTS BEING CHALLENGE : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : 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 XXXX XXXX XXXXXX/XX/XXXX If you fail to respond promptly, I will seek damages for each violation under 15 U.S.C 1692k. The violations include : Defamation of Character Negligent Enhancement of Identity Fraud Violation of the Fair Credit Reporting Act Civil liability for negligent non-compliance ( 15 USC 1681o ) Civil liability for willful non-compliance ( 15 USC 1681n ( b ) ) Failure to comply with 15 USC 1692 ( g ) Violation of permissible purposes of consumer reports ( 15 USC 1681b ) Method of verification ( 15 USC 1681i ( 7 ) ) Right to privacy ( 15 USC 1681 a ( 4 ) ) Requirements relating to information contained in consumer reports ( 15 USC 1681c ) I demand immediate action to block and remove the fraudulent accounts from my credit report. I have provided the necessary information to facilitate this process and request that you acknowledge receipt of this letter and provide a timeline for resolution.

Additionally, I am aware of delays in processing consumer disputes and challenge your belief that third-party assistance justifies such delays. This is a violation of 15 USC 1681i, and any delay will be forwarded to my attorney.

Please acknowledge this letter and provide a timeline for resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX Inquired XXXX XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 


HI, I have contacted the two of the credit bureaus about the posted companies. I am not familiar and I do not own a vehicle at all, nor have I made any inquiries. I've been a victim of 2 major company breaches and one other with my email and telephone number. I am in tears not just because I am seeing this again, the credit score companies are not listening and my credit score went down by almost 100 points! This is so upsetting. I have reported the two again today, being a third time. When I checked my records, I now see ( will continue, unspecified )?
Product: Student loan

I have called and asked for an accounting of my PSLF payments because I believe that they have made a mistake in their calculation of my payments. It has literally been 6 months since my last call and they have failed to issue a letter to my account. This is a pattern of behavior on the Part of FedLoan Servicing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 at XXXX XXXX I spoke with a representative from Transition regarding a chapter XXXX bankruptcy that was placed on my credit report on XX/XX/2018. The representative stated that the bankruptcy was verified through the bankruptcy court. I also have a phone recording with her stating so. I also contacted the United States Bankruptcy courts myself an inquired about the procedure on verifying information with the credit bureaus. I was told in writing that the Bankruptcy courts do not verify information with the credit reporting agencies. They have unethically lied to me and tarnished my recently good credit.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for on XX/XX/23, XX/XX/23, and XX/XX/23, Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Mortgage

My mortgage loan was sold to NewRez on XX/XX/year>. The did not honor the modification balance. 
Ive made numerous attempts to resolve this. I have shared legal paperwork. 

They send me written documents confirming they resorted back to the original amount. See attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XX/XX/XXXX TransUnion andXX/XX/XXXX CRA. On XX/XX/2020, I mailed XX/XX/XXXX TransUnion and XX/XX/XXXXto Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Student loan

My current student loan balance on statement dated XX/XX/18 ( payment due date of XX/XX/18 ) was : {$39000.00}. My monthly auto drafted payment totals {$350.00} and the total interest that accrues is month is {$160.00}. After my payment of {$350.00} deducted on XX/XX/18, I receive an email about a week later stating that my new billing statement is ready. Upon reviewing my new statement, dated XX/XX/18, I see that my current balance is now : {$39000.00} ... a decrease of only {$110.00}. I am paying {$350.00} a month for my balance to only decrease by {$110.00}! This does not add up if my monthly increase is {$160.00}. Where is the remaining {$76.00} going? None of the customer services reps will kindly take the time to explain this to me. They talk to me as if Im uneducated and try to rush me off the phone. Im extremely fed up that I work extremely hard only to be stuck with student loans they never decrease. Please help me in resolving this issue, Im exhausted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX XXXX, XXXX & XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to you as the holder of Auto Loan account number XXXX XXXX XXXX to report an issue negatively impacting my credit report that appears to be in violation of the provisions of 15 U.S. Code 1666b, as well as other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

I have identified that the statements for my credit card have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score.

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : XXXX XXXX XXXX XXXX XXXX I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX  XXXX Balance : {$0.00} FST XXXX XXXXXXXX Balance : {$980.00} FST XXXX  XXXX Balance : {$1100.00} TD XXXX XXXX  XXXX Balance XXXX {$2000.00} XXXX XXXX Balance : {$6800.00} XXXX XXXX Balance : {$90.00} XXXXL XXXX Balance : {$31.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Debt collection

My Identity was stolen in summer 2012. 
File of documents ; social security cards, check books, bank account statements, along with my drivers license were stolen out of my vehicle. 
I had just purchased a vehicle. 
I have NOT opened an account with this creditor, therefore this is a FRAUDULENT account. I Also have never received a phone call or a letter from such creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am a natural person, and American citizen. Experian continues to violate my federally protected consumer rights. I am sick and tired of their blatant disregard for the law. Do you need to start the motion for a CLASS ACTION LAW SUIT?? Because I am certain they violated the privacy & confidentiality rights to millions of others. I sent them a letter on XX/XX/22 explaining to them that they were deliberately violating my federally protected right to privacy AND confidentiality under 15 USC 1681. They responded with a generic letter completely ignoring their violations, stating " verified ''. I never asked for anything to be verified! I already know they can't verify these accounts, I was letting them know that are in direct violation of the FCRA. I feel like I am being taken advantage of and my rights are being ignored! THIS COMPANY NEEDS TO BE HELD ACCOUNTABLE! Delete these accounts immediately! I will attach the letter I sent, the tracking number, and their completely unethical response in a pathetic attempt that I will go away. I will NOT!

1. Account Name : XXXX XXXX  Account Number : 9793**** 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 : Also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX 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 : Also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681n - Civil liability for willful noncompliance U.S. Code Notes prev | next ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 


XXXX and experian are reporting inaccurate information and won't send me the debt verification letters and investigation reports that I have asked for. They are reporting closed accounts and missed payments. XXXX has already deleted these accounts. The reports I've sent are as follows. The law says they only have five days to respond to me in writing about my dispute letters and they are in violation of my Consumer rights and I've been denied va mortgage refinance and personal loans through XXXX XXXX as a result. I demand that these inaccurate information be deleted immediately as it has cause financial hardship on me and my family. See dates on dispute letters. No response or confirmation of disputes recieved with the 5 day window.
Product: Credit reporting or other personal consumer reports

upon looking over my consumer report i notice there where multiple unauthorized credit inquiries that i did not authorize or initiate. these unauthorized inquiries have raised concernd about the security of my personal credit information. to provide more context the unauthorized inquiries appear as follow : XXXXXXXX XXXX XXXX XXXXTRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/TRANSUNION/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX TRANSUNION/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION/XXXX  XXXX XXXX XXXX XXXX TRANSUNION/XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I the consumer XXXX XXXX have unauthorized inquires and an account present on my consumer report that originated from identity theft. 15 usc 1681 ( c ) -2 states that consumer reporting agencies have to block and remove inquiries related to identity theft. Unauthorized inquiries and account are as followed. 
XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX/XXXX  XXXX
Product: Debt collection

I received an alert that there was a ding in my credit report for {$2400.00} for XXXX XXXX via Transworld Systems. XXXX XXXX is located in XXXX Texas. I have never lived in Texas, nor have I ever even been to Texas. I have disputed this multiple times. I have no knowledge of this account before this month.
Product: Debt collection

A collections account showed up on my credit report from a company name transworld system inc. This was a result of a uncollected debt, in the amount of {$660.00}, from a company named XXXX XXXX  presumably out of Texas. I have never been or lived in Texas, yet a XXXX, TX address has been associated with my credit report. My social security number has been compromised as I was able to use this to verify my account. There were also inquiries from the following accounts. 
From Dates Ranging XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have done business with any of these companies. 

I have contacted and notified XXXX and XXXX about the issue along with the collection agency Transworld System Inc.