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

On XX/XX/2018 I submitted a complaint against Barclays Bank Delaware for not reporting 5 months of payments to the credit reporting agencies. I received a letter from the office of the president which basically said they have received my payments but did not explain why they were not reporting my payments. I have once again obtained a copy of my credit report and I have made two more payments to Barclays without any account update to the 3 credit bureaus. I called on XX/XX/18 and was disconnected from someone in the collection office. Then when I had called back 5 minuets later the office was magically closed. Barclays is violating my rights as a consumer and improperly reporting payments.
Product: Mortgage

Tried to do a loan modification in XXXX, my trial payments were XXXX, XXXX and XXXX. I was told this process would be done by my XXXX payment which is due on the first and it is now the end of XXXX and they still have not finalized my loan modification. Because they are reporting my mortgage as delinquent my credit has dropped over XXXX points.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified that a debt existed with XXXX through me accessing my credit file to discover there was a collection item in the amount of {$340.00} dating back to 2016. I contacted XXXX to discover that there was a final bill from a previous address that did not get paid however when we looked further into why I wasn't notified, we discovered this was under an incorrect address as it combined both my previous address and new address as well as my maiden name. XXXX and XXXX both assured me that if I paid the debt it would be removed from my credit report considering it went into collections in error ( without me being notified of the debt ). I paid the balance in full to XXXX who in turn removed the item from collections. This actually made things even worse as the collection item only updated making it a newer item meaning it would sit on my credit even longer! The issue that I am faced with now is when I call XXXX, they say they don't have a file for me ( which I know since XXXX removed it from collections ), however this still exists on my credit file with both Experian and XXXX. I contacted Experian to investigate the issue to have this removed from my credit file only to be told after investigation that the debt would remain. I have called XXXX several times to no avail as well as XXXX who only refers me back to XXXX as they are the ones that reported the negative item on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017, I attempted to gain verification and validation of the debt via Equifax credit reporting bureau. To date, all I 've received was a bill from the original creditor. I do not have a contract with XXXX XXXX nor do I owe them any funds. However, XXXX XXXX is reporting negatively on my credit file. Ref acct. # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Wednesday, XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, Texas XXXX SSN : XXXX | XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX I was just looking at my credit report and found some errors relating to my payment history on some accounts.The original creditors and Transunion have ignored my request for verification and Pursuant to 15 USC 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. I have outlined the following incorrect late payments. Please fix these errors immediately and remove the late payments. If you are unable to do so, then remove the entire account since it is being reported inaccurately. 

Account Name XXXX XXXX  Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX were all on time. 

Clearly you have some faulty systems, because there should be NO late payments showing here. As in, ZERO late payments. So why are you reporting it incorrectly?
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SEVERAL TIMES DISPUTED THIS ITEM LISTED AS A REPOSSESSION ON MY CREDIT AND THIS COMPANY HAS DONE NOTHING TO INVESTIGATE WHO OBTAINED THIS LOAN UNDER MY NAME. I HAVE NEVER OPENED AN AUTO LOAN WITH XXXX XXXX XXXX XXXX AND IN FACT WAS XXXX AT THE TIME THE LOAN WAS OBTAINED. ALL THE COMPANY DOES IS RESPOND THAT MY INFORMATION WAS CORRECT USED FOR THE PURPOSE OF OBTAINING THE LOAN WHEN IM TELLING THEM IT WAS IN FACT NOT ME WHO DID IT. I NEED THIS TO BE RESOLVED IMMEDIATELY. I ALSO HAVE TRIED TO CONTACT THE ALLEGED DEALERSHIP WHERE VEHICLE WAS OBTAINED AND HAVE NOT EVER RECIEVED A RESPONSE OF ANY KIND.
Product: Credit reporting or other personal consumer reports

I'm DISPUTING inaccurate personal information found on my credit report. The following information is NOT ME and I have NO RELATIONSHIP to it. Please remove the following information from my credit report immediately. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX.
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS STOLEN XXXX  AND REPORTED. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILTY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Credit card or prepaid card

I had Chase credit card that mothly payment charged me XXXX $ of which XXXX $ was interest only.After a year I had with a help of my husband paid off card in full which was a balance paid in full as of a last statement in XXXX.I loged in to check my balance which I thought was XXXX but Chase had charged me XXXX $ again as a balance.I think this is wrong because I paid off what my cutent balance was.I called chase and got nothing .I am not anfirst person that they did this to.That is a lits if money to us but not to Chase. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

While shopping for a car, I was told my credit scores were too low? I know my scores from XXXX, XXXX XXXX and XXXX. I was told there is a new credit reporting agency called XXXX XXXX??? Who is XXXX XXXX? NEVER HEARD OF THEM. How do they have my information without my consent and how can companies all of a sudden become credit reporting agencies reporting inaccurate credit information? Is this an attempt to report negative information in order to allow lenders to charge more interest? 
WHO IS XXXX XXXX?
Product: Credit card or prepaid card

Citibank has already responded to my previous CFPB complaint stating that they are not responsible for what happens to my XXXX XXXX miles. The other day I received an email from XXXX XXXX that stated my XXXX XXXX frequent flier account was closed because of the following " if you have received a new account bonus in the past 48 months. These restrictions are outlined in the Citi/AAdvantage card promotional bonus offer terms and conditions, as well as at the top of each application page. '' I am refuting this information because every single credit card I applied for did not have this 48-month language nor did it have any information at the top of the application page that would stipulate not being able to get a bonus ( screenshot/pdf are provided ). 
XXXX XXXX has directly put the blame on Citibank. I have tried every single possible resolution I can think of, and I have attached that documentation of all correspondence I have tried to make with every government agency I could think of. 
I am at the very last stage before I submit a demand letter. 

The attached documents will clearly outline the situation. I believe that Citibank and XXXX XXXX worked in cahoots with each other in order to shut down accounts that were not profitable to them. 

Every single credit card I applied for was vetted and approved by Citibank. I put in all my information, social, address name, etc. None of the applications had any language about 48-months or anything about already receiving a bonus. 

I received the bonuses for all credit cards opened for XXXX XXXX Platinum cards from Citibank because I was in line with the terms and conditions, they did not state anything about getting multiple bonuses nor a timeframe in which it could be done. 

I have attached multiple examples of the Citibank XXXX  XXXX offer that does not have the terms and conditions at the top of the application page. Along with an application I saved as a PDF, that clearly doesn't say anything about 48-months or any restrictive terms. 

Documents XXXX is a reply from XXXX XXXX  blaming Citibanks 48-months. 
AA-timeline is how I've tried to fix this. 
XXXX is an application page without any terms. 
The XXXX is the top of an application page to match the XXXX terms. 
The XXXX are application pages ( top ) without any restrictive 48-month language. 
AA-mailer_TOC - show that there is no restrictive bonus sign-up language. 
AA-valuation-miles : It states " Five ( 5 ) First Prizes : XXXX AAdvantage miles will be awarded to the winner 's account. First Prize ARV : {$1900.00}. '' This is how I came up with the valuation of miles at XXXX cents per mile, based off of AA 's valuation of them ( for tax purposes )
Product: Credit card or prepaid card

Amex was offering a XXXX bonus points promo for spending {$4000.00} within the first six months of having the AMEX gold card. I opened the card in early XXXX and met the spend limit by the end of XXXX. The points were supposed to be credited after meeting the spend. I never received them. I have contacted AMEX a half dozen times. Each time they say they're investigating, and tell me the investigation will take another two weeks. They have told me there is a need for a new investigation every time I have contacted them and have continued the pattern for almost three months. They have confirmed I should have received the points, but each time they tell me I will get them in two weeks. I check back after two weeks and they say " we don't know why you didn't get the points, we need to conduct an investigation that will take another two weeks ''. This has occurred XXXX separate times now. 

I recently filed a CFPB complaint, and they said they'd get back to me. It has now been a month since the investigation from the CFPB complaint was opened and its still hasn't been resolved. It is clear AMEX is giving me the run around hoping I'll forget.
Product: Payday loan, title loan, or personal loan

I am interested in paying off my personal loan in full. I am extremely busy and I sent an email to the company on XX/XX/2020 asking them to send me a payoff schedule for the next few days. The company policy is that they will respond in 24-48 hours by email. I have not yet heard a response from them. Because the loan can earn interest daily, I am wondering if they are breaking any laws by not responding to me in a prompt fashion?? This is not professional.
Product: Debt collection

Hi my XXXX XXXX XXXX XXXX with all my name XXXX last name on my passport and SOCIAL SECURITY, some people have the las name and name but with no my XXXX And some collection report to my Credit report so please I need you us held with this please on soon posible
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is purposely keeping negative accounts on my credit report, that are not valid. Also they say they update the accounts, then nothing changed. Also when you do dispute with them, they purposely write negative things on the report, to make your credit score worse. Also I tried to redispute them, and experian wont let me, basically forcing the information to stay on my credit report. Also they keep having misinformation about my names. A lot of them are spelled incorrectly.
Product: Money transfer, virtual currency, or money service

On XXXX I had two transaction debit my debit card with Cash App, while my card was locked. On XXXX Cash App/Square reported system issues and it lasted till XXXX. I called Cash App three times. I was placed on hold and eventually hung up on two of the three times on XXXX. I finally got an agent to assist me. He informed me that since this was a Cash App issue they will be able to resolve it - without having to get the merchant involved. He stated I can file a dispute once the transactions posted. 

I believe I filed a dispute on XX/XX/XXXX. There were two charges. One for XXXX and the other for {$670.00}. 

I had a manager reach out to me because of the complaint Ive file with the XXXX  He stated that he would have it escalated. In my mind, when something is escalated it means that it increases the seriousness of it and processing times are quicker than normal. But apparently that is not the case. 

I also received an update from Cash App stating that they are contacting the merchant to see if theyll issue a refund. Going against what the representative said to me on the phone. He said on XXXX that since it was a Cash App system issue the merchant shouldnt have to be involved. 

I was contacted by Cash App on Monday XX/XX/XXXX and no resolution has been given. This was my rent money and because of their system issue it has caused me to be 13 days late on my rent. Im now accruing {$25.00} every five days that I am late.
Product: Prepaid card

Stolen funds from Vanilla Visa Gift card Please see attached pdf for a complete explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. The 3 Credit Bureaus must remove any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX, XXXX, XXXX  ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX Balance : {$15000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$870.00} ; XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$590.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022.
Product: Debt collection

This is a case of a debt collector sending a written communication that looks like or is falsely represented to be an official document from a court which is against Federal law. Mandarich Law Group " served '' unfiled pleadings on me, a Complaint and Summons. The Summons read that I had to file a response to the Summons within 20 days or a default judgment could be made against me. Neither the Complaint nor the Summons had Case Numbers and they were not conformed copies from the Court Clerk. The unfiled Summons made it appear that I had to take immediate action and when I attempted to do so, found that it was unnecessary and a waste of time because there was no case filed against me. This is clearly a tactic to make a person feel intimidated and scared about legal action when none has been taken. According to Federal law : It is illegal for a debt collector to send a written communication that looks like or is falsely represented to be an official document from a court. That is exactly what Mandarich Law Group did to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my credit record it shows me that I have a XXXX XXXX card worth {$30000.00} which does not belong to me, at no time have I shared my personal information or any other information so that this account appears in my report. 

There are so many errors in this account that only the transunion reflects is not an account that the 3 credit agencies verify so any information about this account does not belong to me at all.
Product: Mortgage

I HAVE APPLIED FOR MORTGAGE ASSISTANCE WITH MY LOAN SERVICER - SPECIALIZED LOAN SERVICING ( SLS ). SLS HAS NOT PROVIDED TO ME A WRITTEN DECISION. IF THEY HAVE DECLINED ME, SLS HAS NOT PROVIDED ME A 30 DAY APPEAL PERIOD. IN ADDITION, SLS HAS DEMANDED THAT MY EX-WIFE SIGN A QUIT CLAIM DEED SO THAT SHE WOULD NOT NEED TO SIGN DOCUMENTS. MY EX-WIFE DID SIGN A QUIT CLAIM DEED AND IT WAS RECORDED. SLS HAS NOW REVERSED THEIR POSITION AND DEMANDS THAT SHE SIGNS DOCUMENTS. MY EX-WIFE HAS NO INTEREST IN THE PROPERTY AND WILL NOT SIGN DOCUMENTS. SHE HAS BEEN REMOVED FROM TITLE. SLS KNOWS THIS BUT CONTINUES WITH THIS ODD BEHAVIOR BECAUSE SLS PREFERS TO PROFIT FROM FORECLOSURES AND ENCOURAGES DECLINES ON APPLICATIONS FOR ASSISTANCE IN ORDER TO ACHIEVE THIS PROFIT OBJECTIVE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX, upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00} XXXX XXXX XXXX : {$7500.00}
Product: Credit card

Wall Mart credit card Wil not allow a payment made XX/XX/XXXX16 to be credited to XX/XX/XXXX16. I have talked with customer service when this problem happened in XXXX. Wall Mart does n't disclose hat the cutoff date for billing month is. Last month it was the XXXX. It changed this month and customer service wallmart credit card wo n't allow a payment made XX/XX/XXXX16 tone credited to XX/XX/XXXX16 due date. My name is XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX Card # in dispute XXXX XXXX XXXX
Product: Mortgage

As my husband passed away in XXXX. XXXX, I asked Loan Modification to The loan company, They asked to send Deed, Death Certificate. 
They told me I dont need to pay till the Modification approved. It took long time to get the dearth cert from XXXX. ( My husband passed away in XXXX ) Finally, I got the cert in XX/XX/XXXX, and sent it. 
But its too late. I received many letters from realtors or refinance companies.Some letter says Sales date XX/XX/XXXX What? 
its going to foreclosure now? 
I called the loan company, but they say the modification is processing. 
I dont know whats going on now. 
Please advise me. 
And PLEASE STOP THE FORCLOSURE if its going on.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CU 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Recieved payday loan amount of XXXX from. Filed bankruptcy in XXXX and asked rep at XXXX XXXX XXXX would this effect my credit No was her answer and now XXXX this inquiry is there. XXXX XXXX  was the creditor that was listed on the credit report however I've never heard or been contacted by this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple names appear on my personal information that are incorrect.
Product: Checking or savings account

Recieved Fraudulent mailings as well as phone calls beginning XX/XX/year> & again XXXX XXXX  concerning my Social Security Disability . All of a sudden I began recieving fraudulent billing statements claiming that I owe back pay to the XXXX. These billing statements are demanding payment of {$25000.00} payable by check, money order, debit/credit card or especially electronically directly out of my bank account. The billing statements also demand Social Security Number & Driver License Number! The payment is to be made in one lump sum & sent to a Post Office Box Number located in XXXX, Oregon as well as XXXX  XXXX, Missouri. I have not recieved my SSA Direct Deposits since XXXX of XXXX. My local bank manager had asked me if I had gone to another bank location for any transactions & the answer is no! Instead of recieving answers, I recieved a huge run around & an email with link to XXXX XXXX XXXX which I do not have a wealth management account!
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately. 

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