23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

My Barclay account ending in XXXX was paid off less the amount of {$15.00}, this is a returned check fee which is in dispute, due to a returned payment in the amount of {$50.00}. A replacement payment was made, which did in fact clear my bank, contrary to what a XXXX XXXX claims, a bank statement was provided and complaint marked as duplicate to avoid addressing it. The account was later paid off less disputed fee, additional interest brought the account to {$27.00}, account was later credited this amount.. XXXX claims it was credited as assistance related to covid-19,  this information is entirely bogus ... I can assure the CFPB account assistance does not include waiving fees/interest in this case. I attempted to clarify this by calling and speaking with customer service reps, was on hold for well over a hour and no one picked up. I am also attempting to clarify if account sent to collections or not, if so, I need the name of collection agency.. Additionally, I've called directly to number provided in prior CFPB responses, it appears leaving contact info is entirely pointless, the rep does not accept or return calls, a total of three messages left and none returned.. Further, the rep likes to include copies of her past replies which is also pointless, will refuse back if mailed to me. Unfortunately, this rep appears to be the only person replying on behalf on Barclays, no reasonable rep available to reply and or speak with.
Product: Prepaid card

Rushcard has taken my direct deposit paycheck and after talking to customer service today, they said it could be weeks or months before my funds will be available! In the mean time they are making millions off interest with other peoples money while it just sits in their bank. I want my money. They have my rent and groceries.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is wrong for companies to receive authorization and permissible purpose to access a consumer 's credit report but then hire another company to acquire the report. The XXXX XXXX XXXX 's ( CRA ) are allowing this by not requiring all of their clients to have permissible purpose and authorization in their respective name. The risk of a person 's private information then increases because companies are violating the FCRA. I was surprised when I saw Factual Data on my report and called. They are a lax company owned by a very large company.. 
I was hit by thieves that had too much of my information.
Product: Credit card

Chase offered a " spend {$500.00} and get {$100.00} back '' promotion for XXXX XXXX purchases. I spent more then {$500.00} on a single transaction per XXXX XXXX XXXX but Chase never applied reward. I phoned ( twice ) to confirm that my purchase was valid and should have received reward. There has been no resolution.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding multiple inaccuracies and fraudulent accounts on my consumer credit reports that have significantly impacted my financial standing and creditworthiness. The following accounts are either fraudulent, improperly reported, or violate my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other applicable federal consumer protection laws. 

The Inaccurate or Fraudulent Accounts : XXXX XXXX # XXXX Charge Off XXXX XXXX # XXXX Late Payment XXXX XXXXXXXX # XXXX Late Payment XXXX # XXXX Charge Off XXXX  XXXX XXXX # XXXX Charge Off XXXX XXXX # XXXX Charge Off XXXX  XXXX # XXXX Charge Off XXXX XXXX # XXXX Charge Off XXXX XXXX XXXX # XXXX Collection XXXX XXXX XXXX  # XXXX Collection XXXX XXXX XXXX # XXXX Collection XXXXXXXX XXXX XXXX # XXXX Collection XXXX XXXX XXXX # XXXX Collection XXXX XXXX # XXXX Charge Off XXXX XXXXXXXX XXXX  XXXX # XXXX Charge Off XXXX XXXXXXXX XXXX  XXXX # XXXX Collection XXXXXXXX XXXX  XXXX # XXXX XXXX XXXX XXXXXXXX XXXX # XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX # XX/XX/XXXX Inquirie XXXX # XX/XX/XXXX XXXX XXXX XXXX XXXX # XX/XX/XXXX Inquirie XXXX XXXX  # XX/XX/XXXX XXXX XXXX XXXX # XX/XX/XXXX Inquirie XXXX XXXX XXXX XX/XX/XXXX XXXX Legal Basis for This Complaint : FCRA Violations : These accounts may have been reported inaccurately or without proper verification, violating 611 and 623 of the FCRA.

The inaccurate information has resulted in false hard inquiries, charge-offs, and negative items, all of which harm my credit score and reputation.

FDCPA Violations : The collection practices by creditors and debt collection agencies, including XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX, have been misleading, harassing, and conducted without proper validation of the debts as required under XXXX of the FDCPA. 
Bankruptcy Reporting : The inclusion of XXXXXXXX XXXX XXXXXXXX # XXXX violates XXXX of the FCRA if the bankruptcy information is outdated or reported inaccurately.

Action Requested : I demand the following actions : Immediate investigation into all the accounts listed above. 
Removal of all inaccurate, unverifiable, or fraudulent items from my consumer credit reports with all three credit bureaus ( TransUnion, XXXX, and XXXX ). 
Cease all collection activity related to the accounts under the FDCPA until these items are properly validated. 
Provide me with a detailed response outlining the results of the investigation and corrective actions taken. 
The ongoing presence of these accounts on my credit reports has caused me significant financial and emotional distress. I trust the CFPB will intervene to uphold my rights and ensure that creditors and credit reporting agencies comply with federal laws. 

Thank you for your immediate attention to this matter. Please feel free to contact me at XXXX for further details or documentation.
Product: Credit reporting or other personal consumer reports

Monday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX SSN : XXXX | XXXX : XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX I recently reviewed my credit report and found unauthorized inquiries. 

I have already contacted the creditors below and they not provided me with any proof that I initiated such inquiries, nor me with written authorization or any permissible purpose. Since they do not have any authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purpose of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any permissible purpose and any consumer reporting agency may furnish a consumer report under those circumstances and no other. 

As such, under 15 U.S Code 1681i, Paragraph ( 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 investigation ; and ( ii ) promptly notify the furnisher of that the information has been modified or deleted from the file of the consumer. 

The following inquiries are unauthorized, and I ask that you DELETE them : Account Name : XXXX XXXX  Date of Inquiry : XXXX. XXXX, XXXX Account Name : XXXX  Date of XXXX : XXXX. XXXX, XXXX, XXXX. XXXX, XXXX Account XXXX : XXXX Date XXXX XXXX : XXXX. XXXX, XXXX Account Name : XXXX Date of XXXX : XXXX. XXXX, XXXX Account XXXX : XXXX  Date of XXXX : XXXX. XXXX, XXXX, XXXX XXXX, XXXX, XXXX. XXXX, XXXX Account XXXX : XXXX Date of XXXX : XXXX. XXXX, XXXX Account Name : XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX, XXXX XXXX, XXXX Account Name : XXXX  Date of Inquiry : XXXX. XXXX, XXXX Account Name : XXXX Date of Inquiry : XX/XX/XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX Account Name : XXXX Date of Inquiry : XXXX. XXXX, XXXX, XXXX XXXX, XXXX Account Name : XXXX XXXX  Date of Inquiry : XXXX XXXX, XXXX Account Name : XXXX XXXX Date of Inquiry : XXXX. XXXX, XXXX Account Name : XXXX Date of Inquiry : XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXXXXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. 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 60 days 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. 


XXXXXXXX XXXX XXXX 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 8
Product: Credit card or prepaid card

So my card was used to to book a hotel room off XXXX. Someome copied down my number number. I reached out to cash app to file my XXXX dispute because the other one was still pending. Maybe a XXXX XXXX later they supplied me with XXXX as provisional credit. I then file a dispute for XXXX. I got a email from XXXX stating that I needed to contact my bank to resolve the issue. I sent a screenshot to cash app inside the app. APPERENTLY cash app support act like they don't know how to handel customer complaints. They turn around and closed my account talking about I was in violation of their terms and services and they had no other information. Now just they other day cash app sent me a email telling me the credit that was given was final and permanent. The they turn around and denied my dispute for XXXX. Which to me makes NO SENSE! Both charges were fraudulent. So how do I win XXXX dispute and lose the other. You know the crazy thing is cash app has a history of denying people disputes leaving customers without any real reasons. Now I called cash app and explained to someone in detail and they said that it makes no sense either it to return all my money amd told me to file another dispute and I did. I wanted up today and got a email saying denied??. Look keep the account closed I could careless about doing business with a deceitful company that's all about money and not customer satisfaction. But I want my money. I'm on a fixed income and don't need anyone stealing money from me especially a company like cash app. Please return my money.
Product: Consumer Loan

The company made more than 1 call with contact to myself. They also threatened to report to my credit even though the account was not past due more than 30 days.
Product: Credit reporting or other personal consumer reports

I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual. 

I am fully aware the under XXXX XXXX XXXX ss XXXX ( XXXX ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes.

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision. 

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated.

My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below These account should not reflect as negative : XXXX. XXXX XXXX  # XXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP.
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am really bothered how this account appeared in my report. The fact that they did not provide any document to support the validity and truthfulness of this account is very questionable to me. As I see the report there are a lot of inaccuracies in dates and in payment history. I am asking for you help to get rid of this account.
Product: Credit card

My credit limit was lowered from {$2000.00} to {$300.00}. I was never late and the account remains in good standing. 

The reason I was given was : Lack of real estate Too much revolving debt Charges up to credit limit Delinquency I own a home. 
I have the same revolving debt I had when they gave me the account. 
My charges were not up to my credit limits until they were lowered. 
The Delinquency is 5 to 6 years old and was in my report when they gave me the account.
Product: Mortgage

Dear WSFS, Attached please find IRS Form XXXX from XXXX XXXX XXXX. 

Attached please find Plaintiff 's Exhibit # 10 from Case No. XXXX XXXX County Florida. 

Attached please find XXXX XXXX XXXX XXXX Loan Schedule re account # XXXX. 

Attache please find XXXX XXXX XXXX XXXX Loan Schedule. 

It appears the 1099 A from XXXX  is inaccurate including but not limited to lender name, amount and account number. 

Kindly please provide accurate IRS Form 1099A or please us a send copy of letter from WSFS to the Internal Revenue Service that the attached 1099A from XXXX  was sent in error.

A copy of the financial statement that would prove what account was recorded to the accounts receivable ledger is also hereby requested.

Thank you for your immediate attention to this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX
Product: Credit card or prepaid card

Care Credit/Synchrony Bank notified me that a promotional expiration date was expiring but did not notify me that I needed to 1. Make a payment to pay off the promotional balance of {$920.00} separate from the monthly payment of a total balance of {$2600.00} all of which was accrued for dental related services.
2. The interest charge was retroactive and totaled {$460.00} on a principal of {$920.00}. If Synchrony Bank had made it clear to me that I needed to make a separate payment to pay off the balance so as to avoid these high interest charges, I would have made the payment. The notification was cryptic and confusing and I believe reflects a deceptive practice on the part of Synchrony Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I the consumer have been violated by EXPERIAN, they are furnishing information I did not give written instructions to, with furnishing information that is violating my right to privacy and is identity theft. Ive demanded the information be blocked from my consumer report.
Product: Debt collection

Portfolio Recovery claims I owe them {$560.00}. I do not owe them this money as any money owed was paid years back. The costumer service of the company said they would fix this problem and that it will no longer show up on my credit file. It still does which Is a huge problem since I do not owe them said amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies ( CRAs ). To ensure compliance, the agency pursues an aggressive enforcement program aimed at the main players in the consumer reporting system CRAs, those who send them information, and consumer report users. The FTC has sued CRAs, charged companies with furnishing inaccurate information to CRAs, and charged users of consumer reports with failing to notify consumers when they make negative decisions about them based on a consumer report. underage with XXXX XXXX XXXX, XXXX XXXX XXXX, AND XXXX CARD. The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. see attach ftc violations Fair Lending Laws and Regulations Equifax to Pay {$570.00} XXXX as Part of Settlement with FTC, CFPB, and States Related to 2017 Data Breach. Remove inaccurate, incomplete, unverifiable, unauthorized, or fraudulent negative items from my credit report. 
FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have account being reported from XXXX XXXX XXXX ( XXXX ... ) This account has been reporting on my credit file for longer than 7 years. the date of 1st delinquency was XX/XX/2010 according to XXXX & Equifax XXXX has no data reported for XX/XX/2010 I know this account should have been deleted from my credit file last year - its been over 7 years attached is the credit reports from all 3 bureaus to show the dates of 1st late default
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA

623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Checking or savings account

On XX/XX/XXXX at XXXX i made a deposit of {$XXXX} at a wells fargo atm located at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. After the atm counted the money i hit confirm and i waited till the screen said thank you see you again soon, after that i walked away and checked my account and everything was fine. Next day in the morning i check my account and i don't see the deposit anymore i filed a claim and nothing happened they just keep telling me oh wrong department.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, North Carolina, XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act
Product: Checking or savings account

My cell phone was stolen on XX/XX/XXXX, the person who stole it made XXXX transactions to XXXX for the amount of {$9900.00}. 
I called the bank and they told me, they couldn't do anything because the transactions had been from my cell phone, I Told them that how was possible if XXXX don't let me send a lot of money.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2018, I SETTLED MY DEBT WITH XXXX XXXX. THE DEBT WAS SETTLED WITH XXXX XXXX XXXX , XXXX AND I RECEIVED THE LETTER ON XX/XX/2018 STATING THE DEBT WAS SATISFIED, AND I IMMEDIATELY FILED A DISPUTE WITH ALL 3 CREDIT BUREAUS. EXPERIAN WAS THE ONLY ONE THAT DID NOT REMOVE THE SATISFIED DEBT, EVEN AFTER I PROVIDED THEM WITH THE LETTER STATING THE DEBT WAS SETTLED.