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

Barclays restricted my business XXXX credit card number XXXX since XX/XX/2018 that I had for few years now. They have asked me to send verification documents which I have sent. Every time I call their security dept, they tell me they are still reviewing and will get back to me. It is almost going to be 6 months and they are violation time frame in getting this resolved. I would like to unrestrict my card so i can continue to use.
Product: Credit reporting or other personal consumer reports

XXXX is reporting my account 30 days late on XX/XX/XXXX for my XXXX XXXX XXXX credit card. That information is incorrect and I have never been 30 day 's late on this account. I requested a due date change from the XXXX of every month to the XXXX of every month on this credit card, which changed my cycle date. For that reason there is no online statement generated for XX/XX/XXXX, because of this change. So my XXXX balance was pushed back and was not due until XX/XX/XXXX. 
But after calling XXXX I was still able to confirm that a payment was made on XX/XX/XXXX in the amount of {$430.00}. Therefore it's actually impossible for me to be 30 day 's late for a credit card payment on XX/XX/XXXX. 
I tried to get this information in writing from XXXX but a supervisor told me that XXXX doesn't allow any kind of personalized written/typed letters to XXXX consumers XXXX he also mentioned there was no document he could send me in order to verify this informatio which has already been confirmed via phone call with a XXXX supervisor XXXX XX/XX/XXXX.
Product: Debt collection

I got a certified letter in the mail from Midland Credit Management Inc about a credit card I never had from XXXX XXXX XXXX. I was married back in XXXX and legally changed my name from XXXXXXXX XXXX XXXXXXXX. This account was opened in XXXX. There should have been identity precautions in place to stop someone from opening an account in my maiden name. I will be making a police report today as well. I have been in at least three security breaches in the past five years. I would like this taken care of asap. I can provide XXXX XXXX etc if needed.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention Experians failure to meet its legal obligations under the Fair Credit Reporting Act ( FCRA ). Despite my attempts to dispute inaccurate and unverifiable information on my credit report, Experian has failed to conduct a reasonable reinvestigation of the disputed items, leaving these errors unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, citing systemic issues including failure to : Forward consumer-provided evidence to furnishers, Address unreliable responses, and Notify consumers of dispute outcomes appropriately. These issues align closely with my personal experience. Despite providing sufficient evidence to support my disputes, Experian has not corrected or removed the erroneous items. This negligence has caused harm to my credit standing and undermines my rights as a consumer under federal law.

I respectfully request immediate corrective action, including the removal or amendment of the disputed accounts. I believe Experians inaction represents a clear violation of federal law and requires intervention to ensure compliance.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX A Account Number : XXXXXXXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I submitted dispute letters to all three credit bureaus, TransUnion, XXXX  and XXXX. As of today, XX/XX/2021 I have not received any notification of the results of the investigation. I have made several attempts on XX/XX/2021, XX/XX/2021, and XX/XX/2021 to contact the agencies via telephone and was unsuccessful. I would like to know if the information has been removed or claim is denied.
Product: Consumer Loan

I'm filing a complaint against Westlake Financial Services. Recently Westlake Financial had  a third party company come into a private apartment community and repossess my vehicle without my knowledge or consent. Upon contacting them I tried making arrangements and they told me I was lying even after I told them that I would be recording the conversation. They didn't try to offer me and kind of financial assistance or programs that could help me obtain my vehicle back. I have put so much money into the car and can't afford to lose it. I recently fell on a rough patch after losing my job, which is why I couldn't make payments. I have XXXX children that require various XXXX appointments for different things, but without my car I'm unable to get them back and forth. Myself , spouse, and children all have XXXX XXXX a week, which we haven't been able to get because of lack of transportation. I have been  working diligently to get the money I need to get my vehicle returned to me as it is very important. I feel that they should help me find financial assistance that will help me with my monthly payments so that they can get their payments. I'm currently seeking employment so that I can successfully make my payments and get the car payed off on my own, but it's really hard doing so without my car. Again Westlake Financial offered me no kind of help or referral services to obtain nor keep my vehicle, which as I stated is crucial to my everyday living.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the fair credit reporting act to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet, Experian, XXXX, XXXX XXXX reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt., Experian, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within XXXX  days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.YOU ARE FALSILFYING RECORDS THAT ARE INJURING THE TRUST AND THE TRUST BENEFICIARIES!!! REMOVE THIS NON PUBLIC INFORMATION REPORTING AS IT IS INJURING ME PREVENTING ME FROM FEEDING MY FAMILY & BUYING A HOME. THIS IS A BREACH OF TRUST YOU HAVE NOT SPOKEN TO ANY OF MY NEIGHBORS, FAMILY, FRIENDS NOR CO-WORKERS as part of a CONSUMER INVESTIGATION, RE-INVESTIGATION REPORT You are also violating laws by including specific factual information relative to the EXPERIENCE between the CONSUMER and CREDITOR!! You are in violation and see the above cited complaints for the minimum violations fines and penalties you have now subjected yourselves to!! You have been served NOTICE TO DELETE THE CHARGEOFF, ITS INACCURATE You did not get proper legal CONSENT. Therefore do whats in the best interest of the Beneficiary of the Public Trust and this Trust relationship for which you are generating GAINS misusing the TRUST without having given its Beneficiaries full disclosure and payments received generated by the use of the social of the Trust.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. The item I am disputing do not relate to any transactions that I made or authorized. Please remove or correct this information at the earliest possible time. 
I dispute the XXXX Account # XXXX, Opened XX/XX/XXXX because that item was opened by someone who stole my identity and it is inaccurate. As required by section 611 of the Fair Credit Reporting Act, a copy of which is enclosed, I am requesting that item be removed immediately to correct the information. 
I previously disputed this item with all three major credit bureaus and that account was DELETED from my XXXX  credit report in XX/XX/XXXX ( enclosed ). XXXX  advised me that they informed XXXX of that fraudulent account, however the XXXX Account # XXXX still shows on my XXXX file. 
Finally, I resorted to file a complaint with the Consumer Federal Credit Bureau because I believe that both the retail store bank and the credit reporting agency have violated my consumer credit reporting rights. 
Please investigate and correct the disputed item as soon as possible.
Product: Checking or savings account

I received an email alerting me of possible suspicious activity on XXXX XXXX XXXX  I reported a transaction error debiting my account a total of {$1400.00}. On XX/XX/XXXX I received an email from the bank that the claim was valid. The bank corrected the error by reversing the debits and credited my account {$1400.00}. The bank concluded no further action was required and the Dispute Claim had been closed. 

The bank reversed the transaction the same day and debited my account {$1400.00}. I received no correspondence from the bank regarding this transaction. The bank said the dispute claim was closed in error and my account would not be credited until XX/XX/XXXX. I did not receive the funds on the XXXX. I was told they needed more information and extended the claim 45 days. We are unable to get information from the customer service call center, they refused to forward my call to a supervisor and the Dispute Claims department do not answer their phone. The bank refused to acknowledge my problem and has extended the resolution date twice. I need help with this issue. I don't know who to contact to resolve this issue.
Product: Debt collection

On  XXXX   XXXX  I logged into  XXXX   XXXX  and it showed I had an account in collections. It showed   XXXX     XXXX   XXXX   XXXX  sent my account to a collection company with a total owed of {$140.00}. I never ever received a bill or other written notice about money owed to them. On  XXXX   XXXX , I sent an email to  XXXX  XXXX  XXXX  telling them I never received a bill for services rendered and demanded that my account be removed from collections. I still have not received a response from them. It seems that they " parked '' my debt on my credit report because they did not want to pursue this matter in an ethical way.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( was during the time of covid SCAM ) {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE REMOVE CHARGED OFF ACCOUNTS OFF MY CREDIT REPORT ACCORDING TO 15 US CODE 1601 LATE PAYMENTS 15 US CODE 1666B COLLECTIONS 15 US CODE 1692C
Product: Debt collection

XXXXXXXX XXXX XXXX  sent pictures via email when I initially showed interest. Upon arriving at the apartment, I realized the pictures sent and the condition of the apartment was not what the picture stated. I immediately told the staff the same day that I am not interested in the apartment because of the condition. Also, I was never given a key to the apartment which means I never moved in. I was told the property manager will reach out to me about the incident, which the manager never called. I feel I was scam by the pictures sent to lure me to get the apartment.
Product: Mortgage

On XXXX XXXX, 2015 Bank of America/XXXX XXXX inspected my home and also damaged my roof. The XXXX contractor told me that someone would come and fix the damage the XXXX contractor caused. It 's been 4 months and my roof is still damaged.
Product: Prepaid card

I recieved a card in the mail as payment for services rendered. A prepaid Visa card. The expiration date was approximately one year after issued.expiring XX/XX/year>. I never used the card. I asked for a replacement. They told me it was expired and the {$150.00} dollars on the card disappears. They told me it was a loyalty rewards card not subject to the consumer and federal protections afforded to visa prepaid cards or gift card. I had this card for close to XXXX years and was told I will not be able to recieve my money on another card or be issued a check. Nothing in the paperwork states its a loyalty or rewards card. I did not sign up for a loyalty or rewards card. They intentionally kept me on hold for hours waiting for a manager. Supervisor XXXX was not trying to escalate the matter and clear the issue
Product: Mortgage

I requested PMI removal 3 months after making consecutive monthly payments after coming back off Covid forbearance as instructed by mortgage company. Sent in request with appraisal check which they already deposited in XXXX. They also sent me a letter which gave me an estimate value of my home which was almost double of what my loan is and would most likely give me PMI removal. Now theyre saying I was denied PMI due to payments but I was on Covid forbearance now have been 7 months consecutive payments ( never late ). When I call back they say theyre behind due to Covid and would have to reprocess the request and it can take into XXXX for response.
Product: Debt collection

Experian is damaging my credit purposely after i reported an account by XXXX XXXX XXXX XXXX was listed on my report without my consent by Experian and its affiliates, this account is being reported in error for over 46 months and was taken to court and dismissed due to an improper investigation by the creditor violating my rights to equal credit i provided experian with this civil judgement on a recorded line and it was to be removed Asap!! they have failed to comply with the civil judgement matter from my home state and continue to damage my credit.
Product: Prepaid card

I purchased a {$200.00} vanilla gift card in XX/XX/2023 form XXXX in XXXX Tx. I tried to use the card later that night and noticed the last 4 digits was scratched off I contacted Vanilla immediately. Customer service was able to cancel the card and I sent all the information he requested. Ive been trying to get a refund for over 6 months now. Ive called every month and they constantly tell me the card is going to be sent out. Ive sent everything they requested. Copy of the gift card, receipt of payment, bill showing my address, and copy of drivers license. I dont know what else to do.
Product: Checking or savings account

On XX/XX/2020, my mom tried to access her online Chase savings account and it was locked due to suspicious activity. The website provided a number, XXXX to unlock the account. I was put on hold for over an hour before someone answered and they were able to unlock the account. We explained that we were trying to transfer to another account that had been verified by recording 2 small deposits that Chase made to the account we were paying to. We tried the transfer again and again, they suspected suspicious activity and we had to call and were on hold for 2.5 hours and then disconnected. There is no online option to unlock the account, no chat option and the call center does not offer a callback number.
Product: Payday loan, title loan, personal loan, or advance loan

I feel the amount of interest and payments was not clear and it is basically a predatory lending rate the payments are biweekly not monthly as I thought
Product: Credit reporting or other personal consumer reports

I am writing to formally express my concern regarding your recent response, in which you claimed to have verified the accuracy of the XXXX XXXX account ( Account # XXXX ) on my credit report. This verification is invalid and inadequate, as no documentation or evidence was provided to substantiate the reported information. 

Account Details Under Complaint Account Status : Collection account with an alleged balance of {$2800.00}. 
Payment History : Multiple months ( XX/XX/XXXX XX/XX/XXXX ) marked as late or delinquent.

Issues with Verification Under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ), you are obligated to : 1. Conduct a reasonable reinvestigation when information is disputed.

2. Ensure all information furnished is accurate, complete, and verifiable.

Despite my prior dispute, you failed to : Provide proof from XXXX XXXX validating the balance, payment history, and status. 
Ensure the account data is accurate and complete. 
Supply me with the method or specific details of the so-called verification. 

Lack of Verification Breaches FCRA Standards Your actions constitute noncompliance with the FCRA. Simply relying on a furnishers automated response without tangible evidence does not satisfy the reinvestigation requirements.

I remind you that continued reporting of unverifiable or inaccurate information is a violation of the FCRA and subjects you to legal liability, including statutory damages under 15 U.S.C. 1681n and 1681o.
Product: Debt collection

I had a phone conversation with Portfolio Recovery to try to settle my XXXX gas card account. I was threaten to sign a consent to judgement form when there legal team sends it in the mail. I did do what the Federal Trade Commission site recommended to call my first creditors for a settlement. And as the XXXX says its XXXX Credit card account at a time to settle. Now I have settled most of my account and no one ever said to me that I can not pay my debts without signing a consent to XXXX forms. In fact I settled XXXX account ( XXXX XXXX XXXX XXXX XXXX ) purchase by Portfolio Recovery and I did not sign a consent to judgement form. I Think this is suspicious XXXX behavior to threaten my credit when I want to settle my XXXX account that was purchased by Portfolio. I know that sign a consent to judgement form in not a requirement to pay and settle a debt.
Product: Money transfer, virtual currency, or money service

Ref # XXXX XXXX XXXX XXXX I used their app to transmit remittance on XX/XX/2023. On the app it showed that the amount of Rs XXXX PKR has been transferred into the recipients ( XXXX XXXX ) bank account. The tracking shows it the amount was received by the bank and the amount was further confirmed to be received in the recipient bank account. 

I talked to the recipient today who confirmed nothing was received on their end. Upon calling customer service today ( XX/XX/2023 ) at XXXX EST, I was first told I had used the wrong IBAN account number and that the XXXX XXXX is all caps letter and I input lower case letters which is a complete baloney and that is why it didn't go to the recipients bank account. I told them that their system auto corrected it to all caps and everyone knows that the XXXX code does not have any distinction between lower case and upper case letters and it is always upper case letters. 

I was told they will escalate it and get back in 3 days. I am looking at online reviews and BBB reviews that they hold on to customer 's money, don't transfer or return them and give everyone the run arounds for months. I needed to urgently send this money and I don't have it in my account now. 

They need to either make the money available in the recipient 's account ASAP or refund the entire amount back to me ASAP
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraudXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from XXXX, OH. I had answered and they had asked if it was me ( XXXX XXXX ). I said yes, and they hung up. A week later, I get a notification that a XXXX  account was on my credit report and my XXXX had been compromised ( passwords and usernames exposed, etc ).
Product: Debt collection

Debt Recovery solutions company try to collect a debt from I sent them a certified letters for The Original purchase Agreement to show that can legally collect this alleged debt proof that the debt was assigned to them like the bill of sale an Assignment or a receipt between them and XXXX XXXX XXXX XXXX.Debt Recovery Solutions Company is the creditor reporting inaccurate information on my credit report.They can not provide me with these documentation I asked them to delete this account immediately as its damaging my credit rating.I no account with Debt Recovery Solutions and if I have a account with XXXX XXXX XXXX XXXX XXXX not saying I do I never gave them permission to sell the Debt to Debt Recovery Solutions. Debt Recovery Solutions have 15 day to provide me with documentation I ask for if not I will file a lawsuit against them for damages and defamation of character
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a message from a credit monitoring company that my data was breached, including my name, social security number and driver 's license, and noticed recently that someone has either opened or tried to open accounts at two or three institutions including, but not limited to XXXX XXXX, XXXX XXXX XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called and let them know a hard inquiry was put on my credit report from them that I never authorized. They basically said that they couldn't do anything because they didn't have an account under my name in their system. Neither XXXX or Barclay 's bank Delaware were will to communicate with each other to resolve the situation.