23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XX/XX/XXXX Attention : Consumer Financial Protection Bureau and XXXX XXXX XXXX XXXX, Barclays XXXX XXXX [ undisclosed last name ] Thank you for your letter of XX/XX/XXXX. As I am not able to reach you by telephone, I am responding via the CFPB XXXX. I think that a further conversation may help us to understand one another. 

Regretfully, neither your above-referenced letter, nor its attached letter of XX/XX/XXXX, resolve the XXXX-year-long dispute. 

The issue, first reported on XXXX XXXX, XXXX, is an overcharge in the amount {$280.00}. I never claimed that the merchant altered the amount charged on my account, as Barclays incorrectly alleges in its XX/XX/XXXX letter. More than once, I provided Barclays with the merchants own receipt of payment in the amount of {$13000.00}. I am now attaching e-mail correspondence with the merchant wherein the merchant states that on XX/XX/XXXX, it received payment of XXXX {$13000.00} ( calculated at an exchange rate XXXX XXXX $ XXXX ). Barclays, on the other hand, charged my account {$13000.00}. I should mention that Barclays separately charged me a foreign transaction fee, so this overcharge is not a foreign transaction fee. 

Barclays claims to have resolved the claim in my favor, because it did the following without my authorization : As per the merchant, Barclays contacted the merchant, reversed its original XX/XX/XXXX payment to the merchant in the amount of {$13000.00}, and then paid the merchant {$13000.00}. Meanwhile, I had paid Barclays {$13000.00}, as Barclays acknowledges in its XX/XX/XXXX letter. The credit Barclays claims to have provided basically allows for the charge on my account to be {$13000.00} ( what I paid ) instead of Barclays original charge on the account of {$13000.00}. However, since Barclays received {$13000.00} from me and subsequently reversed and paid the merchant about {$13000.00}, Barclays continues to overcharge me. It then suggests, as you do again now, that I bring up the matter with the merchant, attempting to distance Barclays from the dispute. Yet, from my perspective as a client, the unanswered question persists : Why does Barclays pay a merchant XXXX amount and charge its client a higher amount? 

If customer service is very important to Barclays and if it honestly regret [ XXXX ] the hardship it continues to impose upon me, as expressed in some of its letters, then Barclays should be transparent about the transaction and the overcharge. 


Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Report number XXXX. An identity theft dispute was mailed to Experian XX/XX/XXXX requesting blocking of certain information from my file. The tracking number with USPS is XXXX. It was picked up by Experian XX/XX/XXXX. FCRA 605B indicates that not later than 4 business days after this is received, along with proof of identity, the information should be blocked. The 4th business day would be XX/XX/XXXX. As of XX/XX/XXXX, Experian has blocked some information from my file, but not other disputed inquiries. I submitted to Experian proof of identity, proof of address, a FTC identity theft report, a XXXX XXXX UT police report, and a copy of the report stating which information should be blocked. Experian has failed to block XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX and XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has not responded to my dispute request against XXXX XXXX. On my credit report it shows that my auto loan was late in XX/XX/2023. This is not accurate and I have tried to dispute multiple times via their online portal and mail with no response.
Product: Debt collection

To Whom It May Concern, The reason for my dispute is PORTFOLIO RECOVERY # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, PORTFOLIO RECOVERY failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) PORTFOLIO RECOVERY failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation PORTFOLIO RECOVERY is held liable as well for defamation and in the state of CALIFORNIA indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where PORTFOLIO RECOVERY is in compliance with CALIFORNIA LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. PORTFOLIO RECOVERY has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Product: Credit reporting or other personal consumer reports

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any
consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
Under FCRA 15 U.S. Code 1681n ( b ) ( 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 number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. 

Your agency is in violation! 
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 HAVE THESE FRAUD ACCOUNT THATS ON MY FILE THATS REPORTING INCORRECT 1 XXXX XXXX XXXX ACCOUNT # XXXX 2 XXXX XXXX ACCOUNT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been EXTREMELY frustrated with MACY 'S credit card services. I have paid on time in the past without any issues. But this time my bank account information has changed along with my address, email address and phone number. I had not used MACY 'S credit card for several years now. But when I tried to pay my credit card I was on an HOUR hold with a phone agent and once she got on the phone she said " hello '' and abruptly hung up on my as I was saying hello. I called again but this time asked for a manager only to be abruptly hung up on by the manager after waiting for another hour and a half. I am furious at this point. All I wanted to do was update my accounts and pay off my card and I am waiting on these long hold times and dealing with agents who simply want to hang up on customers simply trying to pay off their card. Since I couldn't log into my account I tried to find another method of updating my online account. Unfortunately the only method to do that is to call and update my account with a phone agent. Well you see how that is going. Needless to say I did try to pay off my card in the stores or so I thought. I wanted to continue using the credit card in the future and I wanted to update my address information at the store so that I can get the bills and pay off my card online. Unfortunately the lady said they couldn't update my address information. So I had thought I paid off my card and had planned on calling in later to update my address information. I guess I was wrong in assuming that. Since I could not get an agent on the phone easily to update my address information I was not getting any alerts to pay my credit card off so I was under the assumption that I had paid my card off at the store. The only way I found out that it wasn't paid off was when I started getting credit alerts about the delinquency reporting by MACY 'S. I reported these incidents to MACY 'S executives and after their investigations they said it was my fault for NOT updating my contact information. That's the problem I have been having this whole time. I couldn't because they ONLY way to do that is to deal with their phone representatives who are difficult to get and keep on the phone. So how exactly am I supposed to update my contact information if they won't give me the method to easily do that? 

FIX MY CREDIT REPORT! I don't want money. I want you to remove the 30, 60 and 90 days later reporting on XXXX, XXXX  and XXXX. I tried to pay on time and you would not allow me to make my payments.
Product: Credit reporting or other personal consumer reports

NAME INCORRECT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS INCORRECT : XXXX XXXX XXXX, XXXX XXXX, NY, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, NY, XXXX EMPLOYMENT INCORRECT : XXXX XXXX XXXX XXXX Dismantling HARD INQUIRES : Unauthorized Inquiry XXXX Date of Inquiry : XXXX XXXX, XXXX Unauthorized Inquiry XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Unauthorized Inquiry. 
XXXX XXXX XXXX Date of Inquiry : XXXX XXXX Unauthorized INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX Inquiry XXXX XXXX XXXX Date of XXXX : XXXX XXXX Unauthorized Inquiry XXXX Date of Inquiry : XX/XX/XXXX DELETE ALL!! 

UNDER 15 USC 1666B THIS LATE PAYMENT ENTRY IS A VIOLATION. I HAVE BEEN INCORRECT BILLED ALL XXXX ACCOUNT XXXX PLEASE UPDATE THE STATUS OF THIS ACCOUNT TO PAID ON TIME XXXX XXXXXXXX ACCOUNT XXXX XXXX ACCOUNT XXXX XXXX  XXXX ACCOUNT XXXX THIS ACCOUNT NEEDS TO BE VALIDATED XXXX  ACCOUNT XXXX
Product: Mortgage

I received a Notice of Intent to Cancel from my Homeowners Insurance Company, XXXX XXXX XXXX XXXX of Florida, dated XXXX/XXXX/15. It stated that the premium in the amount of {$730.00} is due by XXXX/XXXX/15. My original mortgage was with XXXX, XXXX, XXXX, XXXX, AL XXXX. My loan was transferred to 21st Mortgage Corp., XXXX, TN XXXX, effective XXXX/XXXX/15. I have continuously made my mortgage payment which included my escrow payment. Obviously, 21 Mortgage have not been making the escrow payments. I have not received an Escrow Statement either. Also my fixed rate Mortgage was increased by 21 Mortgage from {$810.00} to {$810.00} with no explanation, effective XXXX 2015. I do not understand what this company is doing or why. Could you please advise me how to handle this situation.
Product: Mortgage

My loan is being serviced by Amerisave. In addition to my regular monthly payment, I have been sending {$2000.00} in additional curtailment every month. Each month, Amerisave records the amount as {$120.00}. Each month, I contact them to request it be corrected. The corrections are resulting in wildly erroneous calculations and my outstanding balance is not being calculated correctly.
Product: Money transfer, virtual currency, or money service

On XX/XX/2024 around XXXX I received a phone call and caller ID said JPMorgan Chase . At the same time of taking the call I received a text message stating it was Chase Bank fraud alert saying that they were declining an {$830.00} charge for an XXXX XXXX. Caller on phone said he was calling from Chase fraud department and that they were trying to verify activity on the account. He asked if i was in Florida where the charges originated which i stated I was not and that i didnt authorize those charges. He said they would fix them and refund the charges. He asked if i was attempting a wire transfer as that was showing up on my account as we were talking. I said no it was not me and that I dont authorize it. He said the amount which was {$42000.00} and to a company name I didnt recognize and I then stated again i didnt authorize it. He said they had a lot of different devices on the account and named off different phones and computers devices that they could delete off there to stop anymore transactions. When he got to my phone they requested me to log in to verify that it was the only device on the account. After that they sent a code through the Chase account and requested that code to verify it was me just like Chase had done before. After he was done setting things straight he said the transfer was on hold and that it would appear the money was gone but not to worry that it was just on hold. This call lasted over an hour and a half and didnt seem off at all. When I hung up I called my Chase Business account personal banker to verify they had fixed everything. She didnt call back for over an XXXX XXXX XXXX When she called she asked what info and asked for the number that called me. I gave her the info and she said she would call me back. When she called back she stated that in fact those were scammers and they stole the {$42000.00}. She was filing a claim and that they werent sure if they could reclaim my money. After days of fighting with Chase Bank and XXXX and even the local police and FBI Ive gotten no info back other than they denied my claim and werent going to return the funds.
Product: Credit reporting or other personal consumer reports

i have recently been a member of identity theft and these are the following accounts : 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  PLEASE SEE ATTACHMENTS
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I am submitting this complaint to inform the Credit Bureuas that I am a victim of Identity Theft. Upon reviewing my credit file, unauthorized Inquiries are being reported to my personal file. The XXXX, Experian, and XXXX Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The 3 Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following Inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following Inquiries to be removed as soon as possible. 
1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XXXX XXXXXX/XX/XXXX 7. XXXX XXXX XXXX XXXXXX/XX/XXXX 8. XXXX XX/XX/XXXX 9. XXXX XX/XX/XXXX 10. XXXX XX/XX/XXXX 11. XXXX XXXX XXXX XX/XX/XXXX 12. XXXX XX/XX/XXXX 13. XXXX XX/XX/XXXX 14. XXXX XXXX XXXX XX/XX/XXXX 15. XXXX  XX/XX/XXXX 16. XXXX XXXX XX/XX/XXXX 17. XXXX XX/XX/XXXX 18. XXXX XX/XX/XXXX 19. XXXX XX/XX/XXXX 20. XXXX XX/XX/XXXX 21. XXXX XX/XX/XXXX 22. XXXX XXXXXX/XX/XXXX 23. XXXX XX/XX/XXXX 24. XXXX XXXX XX/XX/XXXX 25. XXXX XX/XX/XXXX 26. XXXX XX/XX/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 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 has violated my rights. 

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 The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. The account is in charge off status but still showing a balance this is a tax fraud because this alleged debt has been written off on the companies profit/loss statement.This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX, XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX XXXX, 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 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 months that are reported late 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 XXXX 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
Product: Mortgage

We were paying off our mortgages ( we had a 1st and 2nd mortgage ). The payment was sent and accepted on XX/XX/2019. Payment was posted to the 2nd mortgage on XX/XX/19, but for some reason the other funds were " misplaced '' at PHH Mortgage. We did not realize this until we received a call stating we were 15 days late on our mortgage payment. We explained that couldn't be as we paid it off before it was due. They politely said thank you and that was that. We thought it was a bit weird that we even got the call, as the transaction had happened two weeks prior. We decided to check online. That is when much to my dismay we discovered the loan had not been paid off. We called, and after several minutes of waiting finally got to talked to a customer service rep, XXXX, he kindly stated I am sorry, but we do not show the funds were received. He asked if we could send proof that it was sent. I in turn called my bank to get actual payment date info. I then called back and waited several more minutes before customer service rep XXXX came on the line. We explain when the bank sent the money and if she would check, she would see the other loan had been paid in full. Several things were needed so we asked if our bank could call and talk to them as we did not want to be the in-between person, they could fault for relaying something wrong. On XX/XX/XXXX our bank called PHH and also sent verification that the funds were sent and confirmation that the fund were received. But no result was returned. And no reply to the bank if the payment was ever found and applied to the loan, as XXXX XXXX XXXX ( intermediary bank ) had not received the funds back or any information from PHH regarding this. They sent in a service request and after a week. After several calls the wire was released back to our bank. The funds were received by our bank ( XXXX XXXX XXXX  ) on XX/XX/2019. Our concern now was that is was coming up on 30 days past our payment date and our credit would be affected. Finally on XX/XX/19 we call PHH again, and asked for a supervisor. We wanted the rep to know they didn't do anything wrong, but really wanted to get something done and soon. After waiting we finally talked to a supervisor ( XXXX, who said he was XXXX ). Anyway we explained what was going on and time space we were looking at. He requested proof again, even though we stated it had already been sent. He gave us an escalation department number to have our bank call because they told them it would be up to ten business days to get a payoff. After our bank finally talked to them they agreed if payment was sent on XX/XX/19, they would be sure to post it right away, but they refused to backdate the interest to XX/XX/19. We were basically forced to pay an additional {$480.00} of interest. We don't think this is right. What did they do with the funds for a whole month? 

We have attached documents that were sent to PHH, along with a letter that we wrote to them as well. 

Thank you