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

Date : XXXX Over several weeks calls to the Barclays Support center have failed to garner adequate customer support. Prior to today Barclays, customer service representative XXXX, denied a call to dispute XXXX digital good purchases as requested. 

Today, ( Female ) Barclays rep XXXX reiterated the same approach to the claims. The XXXX transactions were cancelled with XXXX customer service and moved to an alternative account for billing purposes. The XXXX balance remains and our recollections lead to the charges being left overs and duplicate. 

It is understood representative XXXX, was phoned at the XXXX, number multiple times today. Once at XXXX and she disconnected the call while on hold while awaiting a supervisor to process the dispute request. 

Then, during the followup call moments later. XXXX stated no supervisor will become available until after XXXXEST. XXXX  WAS CONTACTED prior to phoning Barclays card services.
Product: Credit card or prepaid card

one year ago i had a {$69.00} charge on a Spirit Rewards credit card that i never applied for, I disputed with my bank who issued my a new debt card to prevent future charges, i also filed a CFPB complaint and thought this was resolve. on XX/XX/2023 i was charged another fee of {$69.00}, i have never applied for this card, have never received, or activated a card from BOAXXXXSpirit XXXX This is continued scam as you can not get thru to Spirit or BOA to discuss, I've tried XXXX provided by my bank, there is no option to speak to a live person, XXXX, unable to thru to live person, XXXX from XXXX search is not a good number. Please stop these people from taking advantage of consumers. This is obviously a XXXX violation.
Product: Debt collection

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 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. Code 1681a - Definitions ; rules of construction-Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not includereport containing information solely as to transactions or experiences between the consumer and the person making the report. 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,
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX   Company Inquiries XXXX  XXXX XXXX XXXX XXXX
Product: Mortgage

On XX/XX/XXXX I refinanced my primary residence. This transaction paid off the existing mortgage with Ditech in the amount of {$120.00}, XXXX [ document available but not included due to personal content ]. At the time of this transaction there was {$4500.00} in escrow with Ditech. On XX/XX/XXXX at closing the new mortgage company paid XXXX property taxes in full {$4000.00}. 

XX/XX/XXXX XXXX XXXX XXXX XXXX received a payment for full taxes by Ditech. 

XX/XX/XXXX I received a check for XXXX from Ditech as the balance of escrow [ document included ]. 

XX/XX/XXXX I called Ditech and talked with XXXX. XXXX stated that the reimbursement was already in process and would be complete on XX/XX/XXXX. 

XX/XX/XXXX I called Ditech to see if the action had been completed and was told XXXX was the scheduled date. 

XX/XX/XXXX I called XXXX XXXX who reported that the reimbursement was made on the XXXX. Printed copy of XXXX XXXX Tax Statement indicates two payments were received one on XX/XX/XXXX and one on XX/XX/XXXX. It also shows one reimbursement on XX/XX/XXXX. This is included in the documentation. 

XX/XX/XXXX I received documents saying my load had been paid in full with Ditech. Cover letter included in documents. 

XX/XX/XXXX I received original loan documents from Ditech. Cover letter included in documents. 

XX/XX/XXXX received tax document FORM 1098 dated XX/XX/XXXX with Taxes Paid {$4000.00} document included. 
XX/XX/XXXX I called Ditech only to be told it would be 10-20 days before I would see my check. 

XX/XX/XXXX I called Ditech twice only to be hung up on. 

XX/XX/XXXX I called Ditech there is no record of my account. 

XX/XX/XXXX I contacted our mortgage broker explained the situation and asked for assistance and advice. He explained Ditech had been sold to XXXX and to call the new company. 

XX/XX/XXXX I called Ditech where I spoke to manager XXXX who was going to investigate this situation and call me back. I told him that I would wait on hold and he told me no he would call me back. 

XX/XX/XXXX I called Ditech their phone was disconnected. 

XX/XX/XXXX, XXXX, XXXX, and XXXX I called XXXX. XXXX is an umbrella company for three mortgage companies and you can not proceed through the phone tree without a NewRes account number. Personal contact is not available. 

XX/XX/XXXX I contacted XXXX XXXX, Real Estate Attorney. XXXX said this is really unusual and I needed to file a complaint through the Consumer Finance Board and he could not help me.
Product: Credit reporting or other personal consumer reports

I have asked these companys to investigate items on my report way before I came to you for help. I feel that Experian, XXXX, and XXXX  are dragging there feet on a resolution to the issues I raised concern about. As a citizen by birth in this country, why is it okay for my identity to be stolen by others and the same companies my tax dollars subsidize cant seem to get to work on my behalf? I deserve a fair share are good credit and these issues have continued to tarnish my name have held me back from obtain a loan, or a credit card that I actually apply for. XXXX, and XXXX, have not even updated my credit report sense XXXX XXXX. Why is that? all lenders are seeing these accounts that are not mine or and accounts that have been settled or removed by another reporting companys are still on there report. There are so many inquiries on these two ( XXXX, and XXXX ) that I would be here half a day trying to figure out who they are!
Product: Mortgage

I just received a XXXX XXXX and I am considering refinancing. I did fall behind towards the end of my XXXX  XXXX, but I caught up when they filed a response to final claim, stating I owe {$2700.00}. Before my XXXX XXXX ended, I paid in full and I am officially discharged of all debt. XXXX weeks later I receive my next bill due on XXXX in the amount of {$2900.00} ( minus the XXXX I have already paid for my regular payment ). Now since I know 100 % Im caught up with payments because the last 2 I received were paid in full. After some digging, I have a {$500.00} attorney fee which I already paid in XXXX and a " previous lender charge '' of {$650.00} from XX/XX/2018! Sorry, but that is included in my discharge since they had multiple opportunities to add that to their proof of claim, it needs to be removed. I'd prefer not to go to court, but I will for this predatory lender. I've paid thousands extra into this plan I did not agree with-this is the last straw. They need to fix my bill to my regular payment amount as they agreed I have paid in full and a court order of discharge of all debts. The purpose of XXXX XXXX is to walk out with a clean slate not take advantage of people with fees-especially from 2018. Please help this is wrong and illegal by the Bankruptcy Code. I have not even received a response from the company. 
Thanks, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with the credit bureaus regarding the duplicate XXXX XXXX XXXX accounts on my credit report. The all have the same status updated date of XX/XX/XXXX. ( The accounts showing are listed below ) Have three XXXX student loan accounts with the same open days but different amounts owed. 

1. XXXX Loan 1- {$8500.00}, status : transferred, closed/Never late. 
2. XXXX Loan 2- {$10000.00}, status : transferred, closed/Never late. 
3. XXXX Loan 3- {$19000.00} closed XX/XX/XXXX was included in my bankruptcy and is labeled as Chapter XXXX. 

The response from the credit bureau states the account was updated, but they are still on my report.
Product: Checking or savings account

I used to have a regular, not XXXX, account with XXXX to make seldom purchases ( once every 2-4 months ) and had never had financial issues with the company ( XXXX XXXX or the bank/Chase ( my debit account was linked to XXXX payment. ) However, beginning XX/XX/XXXX, XXXX started charging my Chase checking account {$25.00} and/or {$30.00} three-four times every month, specifically : in XXXX - XX/XX/XXXX ( {$30.00} ) ; XX/XX/XXXX ( {$25.00} ) ; XX/XX/XXXX ( {$30.00} ) ; XX/XX/XXXX ( {$30.00} ) ; XX/XX/XXXX ( {$25.00} ) ; XX/XX/XXXX ( XXXX $ + XXXX $ ) ; XX/XX/XXXX ( {$25.00} ) ; XX/XX/XXXX ( {$30.00} ) ; XX/XX/XXXX ( {$25.00} ) ; in XXXX - XX/XX/XXXX ( {$35.00} ) ; XX/XX/XXXX ( {$25.00} ) ; XX/XX/XXXX ( {$25.00} ) ; XX/XX/XXXX ( {$30.00} ) ; XX/XX/XXXX ( {$30.00} ) ; XX/XX/XXXX ( {$25.00} ) ; XX/XX/XXXX ( $ XXXX ) ; XX/XX/XXXX ( {$35.00} ) ; XX/XX/XXXX ( {$35.00} ) ; XX/XX/XXXX ( {$35.00} ) ; XX/XX/XXXX ( {$30.00} ). 
I would call XXXX- they would fail to explain the issue but would promise to find out if it was a glitch in the system ( no luck... ) I would call my bank 's ( Chase ) fraud department- they would stop my debit card, issue a new one, credit my account ; then the issue would happen again, and again, and again... 
I called XXXX on XX/XX/XXXX - they refused to explain the reason for these ridiculous charges, but said they would send me a letter by regular mail. On XX/XX/XXXX, I went to the Chase branch in XXXX ( XXXX XXXX XXXX XXXX XXXX, NY XXXX ) - their Russian-speaking representative said they were too busy to help me with that particular issue and also refused to reveal his name when I asked him. 
In the past, Chase would return the money to my account. This time, they first credited my checking account but then reversed the transactions. 
Please help me investigate this fraudulent activity and stop this never ending financial assault ( that affects my financial and emotional wellbeing ) and get the money ( five last XXXX transactions ) back to my checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Subject : Urgent Removal of Inaccurate Debt from Credit Report Pursuant to Applicable Laws Dear Sir/Madam, I am writing to dispute an erroneous debt that has been reported on my credit file, which I believe is in violation of relevant laws and regulations. After a careful review of my credit report, I have identified a debt that does not belong to me, and I kindly request your immediate action to rectify this inaccurate information by removing it from my credit report. 

I would like to bring your attention to the following details regarding the incorrect debt : Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX Amount : {$5500.00} Date of Inclusion : XX/XX/2022 Please also remove all unrelated Address 's and Phone # 's other than the heading. 

As per my understanding of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is inaccurate, outdated, or does not belong to me. Furthermore, the FCRA requires credit reporting agencies to conduct a reasonable investigation within 30 days of receiving a dispute notice and remove any inaccuracies promptly. 

Therefore, I request the following actions from your end : Conduct a thorough investigation into the disputed debt and verify its accuracy. 
Provide proof of validation for the debt in question, including documentation that demonstrates its legitimacy and ownership. 
Notify me promptly of the results of your investigation within the legally mandated 30-day timeframe. 
If it is determined that the debt is invalid or inaccurately reported, remove it immediately from my credit report. 
Furnish me with an updated and corrected copy of my credit report reflecting the removal of the incorrect debt. 
Please note that the presence of this inaccurate debt on my credit report has adversely affected my creditworthiness, causing undue harm and potential financial repercussions. It is crucial that you take prompt action to address this matter and restore the accuracy of my credit report, in full compliance with applicable laws. 

Thank you for your immediate attention to this urgent matter. I expect a timely resolution and the removal of the inaccurate debt from my credit report, as mandated by the FDCPA and FCRA. Failure to comply with these legal obligations may result in legal action to protect my rights under these laws. 

I anticipate your cooperation and appreciate your swift action in resolving this dispute. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$1200.00} XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like an investigation for Rushmore Loan Management Services, XXXX XXXX XXXX, XXXX, California and XXXX. Contact number XXXX. Reference Loan Number XXXX. I have issued payments to Rushmore Loan Management Services from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Louisiana and XXXX ; Contact # XXXX. I am reporting this matter due to money laundering and foreclosures of previous properties : XXXX XXXX - Account number XXXX ; property address XXXX XXXX XXXX, XXXX XXXX, LA and XXXX XXXX XXXX Reference loan number XXXX. I attended XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, was sentenced 60 months for money laundering. Members of the congregation was working for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My properties and automobiles was seized due to my previous occupation and employment. I was working for a Federal Agencies and was approached by. XXXX XXXX XXXX XXXX XXXX and he requested a favor from me. The favors were money and grants from the agency. I denied the request and I truly believe this incident have hurt my creditability. Also, he knew employees working for the Federal Emergency Management Agency. The mortgages loans list XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with ic collections agency for circa {$260.00}. I saw that the original creditor was XXXX and they informed me the amount was {$340.00}. So I paid them on XX/XX/XXXX. I disputed the amount both with the company and the 3 bureaus. Both XXXX and XXXX updated it to XXXX $ while XXXX correctly knocked the debt for inaccuracies off. I have since disputed every month with both bureaus, and the collections agency, and they report this collections is somehow valid and active. 
I've disputed with the company with the receipt only to be ignored. The agency has shown inaccuracies in the dates, failure to communicate, inaccuracies in their reported amounts, and failure to acknowledge my receipt.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Vehicle loan or lease

Date ( s ) of the event : I went to XXXX XXXX XXXX ( Now City Limits XXXX Pre-Owned ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. I spent XXXX hours at the dealership trying to get approved for a car loan. 

Description of the issue : I was interested in purchasing a XXXX XXXX XXXX priced around {$17000.00}. I had a XXXX XXXX XXXX, but the dealership claimed that my credit history wasnt sufficient and that, as a XXXX XXXX, I didnt make enough income to qualify for the loan on my own. To help with the approval, they added my sisters income to the loan application. 

The process and misleading information : The dealership initially told me I could drive off with just {$500.00} down, but this amount kept increasing. By the end of the day, they pressured me into putting {$1000.00} downa sum that was difficult for me to afford. I was continuously pressured by the salespeople to accept the loan, even though I didnt fully understand the terms. 

I did not understand the interest rate or how it would affect the overall cost of the loan. As a naive buyer, I grew up in a low-income household and had no experience with loans, so I trusted the dealerships assurances. In the end, I signed a loan agreement through Santander Consumer with an interest rate of 24.10 % on a XXXX loan, with XXXX XXXX monthly payments. 

Loan details and ongoing financial burden : I purchased the XXXX XXXX XXXX with XXXX miles on it. The current payoff amount as of now is {$15000.00}, and I wont be done paying off the loan until XX/XX/XXXX. I feel like I was taken advantage of because I didnt understand the loan terms, and the interest rate is much higher than it should have been for someone with my credit score. According to my research, the average interest rate for someone with a XXXX XXXX XXXX should have been closer to XXXX %. Instead, I was stuck with an interest rate that is more than XXXX times the average rate. 

Quality and condition of the vehicle : The XXXX XXXX XXXX I purchased is already showing signs of wear, and Im concerned that the car wont even last until the end of the loan term in XXXX. I feel trapped in this loan, paying far more than I should for a used vehicle that wont retain its value. 

How I was treated by the dealership : I felt pressured and misled throughout the entire process. The dealership didnt take my financial situation into account and pushed me into accepting terms that werent in my best interest. I also feel that my lack of experience as a XXXX XXXXXXXX made me an easy target for this type of deal.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The collection agency has engaged in false and misleading practices, violating FDCPA 807 and providing misleading forms, violating FDCPA 812.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card

Apple Card by Goldman is sending my financial data and statements to the wrong email address I do not possess and is unwilling and unable to 1 ) Change the email address to the correct email address OR 2 ) Stop sending my data to the wrong email address.
Product: Checking or savings account

On XX/XX/XXXX My Wells Fargo Checking Account reached XXXX Dollars. Then I was overdrawn {$58.00}. Since then Wells Fargo has continued to send Me texts that My Debit Card was Declined, then another Text stating My Account has Reached XXXX Dollars, then I'm slammed with More Fees. As of XXXX XX/XX/2023 I am Overdrawn {$240.00}. I am a XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, living on XXXX, and a Partial Pension. PLEASE HELP ME! Respectfully, XXXX XXXX XXXX.
Product: Mortgage

BANK OF AMERICA HELOC Customer with B of A 30 years, my child ran my line of credit without my knowledge and opened other accounts without my knowledge with B of A. B of A never contacted me when my HELOC account balance went from {$55000.00} to {$97000.00} within 2 months which was quite odd. Again this is not my debt and B of A was notified of the fraudulent activity and all accounts were closed immediately and B of A never contacted me to follow up or pursue the fraudulent activity with the HELOC or 2 credit cards. Now they are adamantly harassing me for payment saying I'm in default on monies I never authorized to be withdrawn and have started foreclosure procedures. I am trying to refinance or get a loan modification from them but due to the fact I am XXXX years old I feel this is eldercare abuse and I don't know how to resolve a debt that I didn't incur. Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Commenity bank has been inaccurately reporting information on my credit report. They listed several accounts twice on my report and placed them as charge off even though I stated they were not m accounts. I constantly ask them for proof and they can not submit accurate proof these are my accounts. I have disputed them numerous times with no response. Only two accounts were actually my accounts. One account was for XXXX and XXXX which has been paid over 2 years ago. I have been fighting with them for two years to have it reflect in good standing. That account was in good standing and was paid in full. The next account was for XXXX. I paid this in full and they still show it negatively on my report. Multiple letters have been sent to commenity to resolve this over the past two years and nothing has been done. My next steps are to seek legal counsel if these items are not removed immediately. Anytime I see a company uses Commenity bank, I deny their card. i refuse to do business with these people. They sell your information and illegally pad your credit report with false information. They even went as far to involve XXXX credit, who has harassed me and threatened to take my home and my car. They call 20 times a day. I have phone bills showing this. They threatened to garnish wages even though i told them the accounts were not mine and they sent me a picture of a bill saying that it was. i told them a bill does not show proof an account is mine. My signature was nowhere on the bill or their paperwork.