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

On XX/XX/2023, there were four fraudulent charges made on my Barclay 's card to XXXX. I disputed the charges. I received notification that fraud was confirmed. My card was then charged for one of the charges in the amount of {$290.00}, on XX/XX/2023. I called Barclays and they indicated that XXXX provided information that the charge was made by me. I asked to provide information that the charge was not made by me. They would not accept such documentation and told me I must resolve the issue with XXXX. XXXX will not refund the amount, which I informed Barclays. Barclays will not remove the charge, nor will they allow me to show that the charge was fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent an dispute letter to all three credit bureaus XXXX, XXXX, and XXXX to inform the companies that the information on my credit report was invalid information and that I wished for the information to be removed. I have not heard anything back from all three companies. It has been over 30 day and the credit companies are not complying with their own policies in a timely manner. I also sent in an demand letter on XX/XX/XXXX requesting an reply back on my original dispute letter on XX/XX/XXXX.
Product: Debt collection

They called me on my job and when asked not to call, the rep said that they 'd call again if they needed to verify my employment. They also talked rough and kept asking me to commit to a payment. When I said that I did n't know how much I could pay, they tried to bully me into to making a payment by saying, " Do n't you know how much money you 'll have. '' They also told me that they 'd put this on my credit report and I 'd have trouble renting a home/apartment in the future. Lastly, I called them on Wednesday, XXXX XXXX, XXXX to ask them if I could settle the account with a {$100.00} payment since my balance is {$200.00} and I had n't made a payment since XXXX XXXX. They refused the payment. So, I said, " Ok, I will take the {$100.00} and pay it towards another bill, '' and the rep said, " Ok. Have a nice day. ''
Product: Debt collection

Got a call from drs in XXXX, wa from a XXXX called back because I missed the callShe threatened that id be arrested over a debt because writing a bad check is illegal. Plus I notified the company that in XXXX proceedings ex was awarded bills and house. There is a restraining order in effect and my ex gave them my grandmothers phone number. 
These people are violent when they talk. They keep repeating that you 'll be prosecuted and jailed for the debt.
Product: Payday loan, title loan, or personal loan

I bought two XXXX phones in XXXX, XXXX and my loans were financed by Citizens Bank , NA for the amount of {$33.00} on each loan every month. 
On XX/XX/XXXX I was having difficulty logging on to one of my loans because I thought each loan had it's own log in, and contacted Citizens Bank to ask how to process a payment for each account. I was told by the representative to make the two payments for both loans on the main page. 
The representative failed to explain to me that each loan had it's own page under the same log in. So I processed two payments of {$33.00} on that date and both payments were processed for only one account ( ending on XXXX ), leaving the second account ( ending on XXXX ) with a past due payment. 
I immediately contacted Citizens Bank again and was told that I needed to wait until the payments were processed to have one of the payments that were processed twice to be reversed and then I would be able to apply to the correct loan. 
On XX/XX/XXXX I contacted Citizens Bank again and was informed that a request for payment reversal would be put and a credit in the amount of {$33.00} would be posted back to my bank account and then I could make the payment to the correct loan. 
Today is XX/XX/XXXX and no credit has posted to my bank account from Citizens Bank. I contacted Citizens Bank several times on the past several days and they keep informing me that a credit should post to my bank account soon, but I am still waiting and every time I call, they say the same thing and offer no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint early today and it didnt take. Attached is a letter from XXXXXXXX XXXX. This letter proves that the 6 accounts that were dumped into my credit file last month were done in error. This letter proves there was no validation done with the original creditor or those accounts would not have been validated. The ATTACHED letter clearly shows the XXXX accounts I am referring.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

I inadvertently  made two payments on my home equity loan. This was my fault, not theirs. What is fraudulent on Chase is  the way my funds were applied. On  XXXX , an automatic payment of {$420.00} was pulled with interest applied of {$220.00} and {$200.00} applied to principal. This I do n't have an issue with.     On  XXXX   XXXX ,   XXXX  , my banks bill pay sent an electronic payment of {$500.00}, again this was my error, no t Chase or my bank. What is wrong is that of the {$500.00} payment, Chase applied  only {$290.00} to principal and another {$200.00} to interest! Interest owed was at most {$21.00}, not {$200.00}! In addition, they are billing me another {$230.00} for  XXXX .     This is just flat wrong!
Product: Debt collection

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : XXXX  XXXX XX/XX/XXXX  I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.
Product: Debt collection

XXXX XXXX XXXX was paid for Us by XXXX XXXX XXXX. 
They claimed they have not been paid the last payment but they were on XX/XX/2020. 
We faxed them all the information they said they needed. I want to say in XXXX of last year but they are reporting every month that we are a late pay again. This is hurting our credit. We have already contacted them though XXXX.
Product: Checking or savings account

I have deposited XXXX checks via mobile app several times in the past. These checks are reimbursement from my employer, who is a XXXX XXXX company. The money was always in my account by end of day. NOW! Chime is advising that the money is on hold because they want to make sure the check doesnt bounce. Are you kidding me ( when I asked them to cancel the transaction, they decline my demand and say the check has been processed. Something is very off about this process and after readying the complaints about chime keeping peoples money, Im very skeptical.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA XXXX, XXXX AND TRANSUNION Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of XXXX  & XXXX  XXXX  which is impacting my ability to sleep, causing problems at my job & creating unwanted XXXX  in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I was called on phone by XXXX XXXX  regarding a debt ( XXXX ) I did not know existed to the apartment complex I moved from in XXXX ( XXXX XXXX XXXX  ). XXXX XXXX XXXXep stated they had sent me emails and had called previously. I never saw the emails in my inbox or spam folder. If they left a message on my phone I never heard it. As I found out later the apartment complex gave them the wrong phone number. ( see conversation I had on XXXX XXXX chat ) ============================================= We have been trying to reach you since XXXX  to the phone number given by the creditor XXXX  and we have sent emails to XXXX me XXXXXXXX XXXX that is not my phone number me XXXX XXXX my phone number is XXXX me XXXX XXXX i swear nothing was in my email inbox at that address =============================================== This whole problem originated by XXXX in XXXX being totally unorganized with the move out process. The portal access to my account was closed immediately and I was never sent my final bill, deposit due back or anything. Not by phone, email or mail. They had all my forwarding info. 

My whole point now it this debt has been paid in full as of today XX/XX/XXXX and this collection should never be sent to the credit companies ruining my perfect credit for 7 years. 

XXXX XXXX representative stated they have not sent to credit companies yet but I want to make sure they do not. See communication on chat below : ================================================ This account has not been reported to any credit bureaus by XXXX XXXX  as of today. As long as the account reaches a {$0.00} balance by XX/XX/XXXX, this will NOT be reported by XXXX XXXX. If you set up a payment plan that extends past XXXX whatever the remaining balance is, could be reported to all three credit reports. Once your account reaches {$0.00} balance, if any credit bureaus were notified of this account, we will advise them to update accordingly. It can take them an additional 30-60 days to update that information. 
================================================ So, I think I'm ok but want reassurance my credit will not be affected. 

Thanks, XXXX XXXX
Product: Debt collection

This loan was settled in court and all fees was waived in the amount of {$2400.00} With invitation XXXX XXXX XXXX Of 2023! This XXXX XXXX XXXX Fair Collections & Outsourcing , Inc ) Has Not Provided Me With The Original Agreement From The Purchaser And Is Reporting A Balance Of {$12000.00} On My Credit Report As Of XX/XX/year>!
Product: Debt collection

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I recently verified my latest credit report and I noticed that this account is reporting fraudulently on my credit report. I have been a victim of Identity Theft, my information was stolen and used to open this account without my permission or knowledge. The accounts EDFINANCIAL XXXX Balance {$0.00} EDFINANCIAL XXXX Balance {$0.00} were incurred due to fraudulent charges, which according to XXXX XXXX Zero Liability policy I am not liable. I DO NOT HAVE A LEGALLY BINDING CONTRACT WITH THIS COMPANY. This account is trying to collect debt, which wad also listed on my credit report. I have requested several times for verification. This company will not furnish a signed authorization [ or proof of the procedures ], they just furnish a statement, which proves nothing. I asked to validate the numerous listings on my credit file and again all I receive is statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 607 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
Product: Credit reporting

CFPB Complaint XX/XX/XXXX CFPB Complaint Transunion and a request for a consumer statement be added to a specific account. And/or deletion of the account if it was not the account as listed by the evidence provided by consumer. 

On XX/XX/XXXX I requested a consumer statement be added to the only XXXX Card reporting on my credit report. I fax this request to Transunion on XX/XX/XXXX through ring central. I provided a copy of fax verification. As of printing of my credit report on XX/XX/XXXX it showed no investigation and no change for this account. 
I have requested other consumer statements and always received a quick response. 

Consumer Statement is as follows " XXXX XXXX XXXX XXXX an agent of XXXX XXXX agreed to terminate collecting on this account on XX/XX/XXXX. XXXX XXXX was included in CFPB Complaint XXXX that resulted in XXXX terminating collection efforts. On XX/XX/XXXX XXXX sold the account to XXXX XXXX XXXX XXXX '' I provided a copy of the CFPB complaint # XXXX and related case XXXX that XXXX XXXX XXXX agreed to cease all collection XXXX XXXX, XXXX and a letter from XXXX XXXX that sated the sold the account to XXXX XXXX. On XX/XX/XXXX. 

I further requested that if the information reporting by XXXX XXXX XXXX did not match the account and evidence that was provided. Including a sign letter from XXXX XXXX XXXX, that the account be deleted. No changed resulted in my request not even the consumer statement being added to the account. 
I only have XXXX XXXX XXXX Card. Does the furnisher name not match is that why my consumer statement did not get added? 
This time I am including the first statement for this XXXX XXXX Card, again I only have XXXX account. I do not have any other accounts with XXXX XXXX XXXX. 

Could I please get the consumer statement added to my XXXX XXXX XXXX, I only have XXXX account. 

Thank You I have attached the original fax request XX/XX/XXXX A copy of the page showing XXXX XXXX XXXX reporting on Transunion report file number XXXX report date XX/XX/XXXX No investigation comments have been added to this furnishers ' reporting. 
A copy of XXXX XXXX XXXX first statement for the only account I have under a XXXX XXXX name. 
A copy of letter from XXXX XXXX XXXX, dated XX/XX/XXXX XXXX referencing a XXXX XXXX XXXX as the Creditor and the account ending in XXXX.
Product: Credit reporting or other personal consumer reports

I have recently reviewed my credit report and observed inaccuracies and discrepancies in the personal information reporting. 

Reporting in EQUIFAX : XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX Reporting XXXX : XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX Reporting XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, NC XXXX
Product: Checking or savings account

My checking account money was stolen about {$3000.00} due to fraudulent withdrawals. Bank of America is still not willing to refund the money, 1. I had unemployment benefit from California employment development department ( XXXX XXXX. My account is managed by bank of America ( BOA EDD ). 
2. Between XX/XX/2020 to XX/XX/2020, the account money was stolen due to fraudulent withdrawals, and the total amount is XXXX. 
3. BOA made adjustment credit on XX/XX/2020. 
4. Then BOA took out all credits without any reason on XX/XX/2020. 
5. I tried to contacted with BOA and made dispute to refund the stolen money, but BOA never respond my request. 
5. I contacted with CA assembly women XXXX XXXX on XX/XX/2020 for help. 
6. I also filed the police report on XX/XX/2020 with XXXX Police XXXX through XXXX XXXX XXXX. 
7. Assembly assistant, XXXX XXXX contacted with XXXX. They suggest I can contact with CFPB and file complaint case for BOA. 

Please provide help. Thanks!
Product: Credit reporting

To whom it may concern Checking my credit report the other day I found some items that I would like cleared up. 

First I 'd like to address the XXXX XXXX ... This was included in our Bankruptcy which was final XXXX XXXX 2013. I 'd like to have it removed from my Credit Report and considered dissolved under our Bankruptcy. 

Next ... 
XXXX XXXX XXXX XXXX is paid in full. This was supposed to be paid by our insurance Company but they did n't want to pay 100 % .We fought this and lost. 

Next ... 
XXXX This debt also was included in our Bankruptcy and I would appreciate if this item can be removed from my report. 

Next ... XXXX XXXX XXXX .... 
This Debt was paid off not by Bankruptcy! We paid this off all the way to the final Payment. No Bankruptcy Discharge on this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have only one phone number As I look on my XXXX, transunion and XXXX I see unknown phones that doesnt belong to me the only phone number tha should be listed is XXXX
Product: Bank account or service

I had initiated without a written agreement/contract some personal training services with The Exercise Coach where I had paid for services with my Debit/Credit card. On or about late XXXX 2015 before I went on vacation XXXX I notified the Exercise Coach that I will not be continuing with the personal training services in XXXX because I did not see visible substantial results considering the amount of money per month I was being charges. While I was on vacation, the Exercise Coach charged my account using my previous information for the month of XXXX and when I returned from Vacation XXXX XXXX I noticed the debit to my bank account, I put in a claim thru my bank Chase Bank but they were unable to recouperate the money because the Merchant had used a prior old signature that was authorized in XXXX to debit my account in XXXX but not authorized in XXXX, I have asked my bank Chase bank to produce the documents and still have not yet received them to look over if it was authorized in XXXX.
Product: Debt collection

I had an account with XXXX. I had the account for a few years. At one point, a former friend of mine began working for XXXX and asked if he could join my account and we could both use his employee discount. I didn't really think that was a bad thing so I agreed. The employee then accessed my account without my knowledge or consent and added multiple lines fraudulently. I never noticed because I wasn't paying the bill. When I did notice extra lines on the account, I would ask him and he would always tell me they were his, for his tablet, or his work line, or something else. We would argue because I never allowed those lines to be opened, but the bill would always be paid and he always said they were temporary. Eventually, he was fired from XXXX and the bill went unpaid. I texted the other numbers on the line and a person confirmed that he opened her account on my line and she was paying him for the line. I cancelled all the lines and reported all the phones as stolen. The account was closed and the bill jumped to {$4000.00}. I filed a police report and filed a fraud claim with XXXX. The claim was denied solely because I knew the person who committed the fraud. I do not think this is fair. I can prove that I wasn't in a XXXX store to add those lines. I can prove my conversations with him where he continuously lied to me. I can prove what the other person on my line said about how he opened her account. I kept all of those conversations. I have a police report. I have time-records from my job that show I work in XXXX and no where near that store. There was never any authorized user on my account other than me. Crimes are crimes, regardless if you know the person or not. This bill was sent to collections and has now adversely affected my credit. With the derogatory mark, I am ineligible for federal student loans. I just applied to a XXXX XXXX that I can now not attend because I can't get loans. My credit is otherwise spotless.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have disputed this company ic systems before, it has showed up on my credit report before then i disputed that. then is reapperad as allied collection systems in which i reported to you all as well. so its like these two companies keep buying and reselling information thats inaccurate and without anyones consent. at one time they were both completely gone from report and now its reappeared.
Product: Credit reporting or other personal consumer reports

There has been accounts that are currently reporting on my credit report incorrectly, I am unable to receive any updates from the companies so I am asking for the help of your organization for them to be able to correct this.
Product: Debt collection

National collegiate trust bought out my student loans and claimed I am I 'm default from loans that were purchased in 2005. I have mad several attempts to get this business under fire for their wrongdoings and wo n't stop until I do. There is nothing stating I must stay in default and have my credit ruined by a collector XXXX. The loans were originally serviced out of XXXX and I live in XXXX. Somewhere this loan stops here. I even tried to send a complaint to the XXXX on this company to which I was told down at exist. I have a screen shot of the initial letter that states this. How am I paying to a company that does n't exist or when trying to locate even simply through XXXX wo n't come up? I refuse to stay in default for over 4 years. Something needs to be done. XXXX XXXX and XXXX has my loans and if you do n't answer then I 'll go after them too.