23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am writing to file a formal complaint regarding fraudulent account openings by Barclays Bank PLC. Despite multiple attempts to resolve this matter directly with the company, I have encountered significant obstacles and believe that my concerns are not being adequately addressed. 

The crux of my complaint revolves around two Barclays accounts that were opened fraudulently in my name. These accounts were established without my knowledge or consent, and the information associated with them is inaccurate and does not belong to me. Despite bringing this issue to the attention of Barclays, I have not received satisfactory assistance or resolution. 

Moreover, I recently discovered that my ex-partner, who is responsible for the fraudulent account openings, falsely claimed to be an authorized user. This individual manipulated the situation by providing false information to Barclays, further complicating the matter. 

I have diligently pursued resolution with Barclays, but I feel as though I am being given the runaround and that my concerns are not being taken seriously. Despite providing evidence of identity theft and fraudulent activity, Barclays has failed to initiate a thorough investigation into the matter. 

Therefore, I am seeking the intervention of the Consumer Financial Protection Bureau to ensure that Barclays takes appropriate action. Specifically, I request that the CFPB : Initiate an investigation into the fraudulent account openings by Barclays Bank PLC. 
Require Barclays to provide detailed information regarding the circumstances surrounding the opening of these accounts and the actions taken by the company. 
Facilitate the removal of the fraudulent accounts from my credit report and any associated negative remarks. 
Implement measures to prevent similar incidents of identity theft and fraudulent account openings in the future. 
I trust that the Consumer Financial Protection Bureau will handle this complaint with the seriousness and urgency it deserves. Please provide me with written confirmation once the investigation has been initiated and the necessary steps have been taken to address this matter satisfactorily. 

Thank you for your prompt attention to this urgent issue. I look forward to a swift and satisfactory resolution.
Product: Credit card or prepaid card

This company alleges that my payment due on my card in XXXX of this year had bounced. This is untrue and I attempted to provide them with the documentation. I have spoken to these people XXXX times and they have deliberately stonewalled my efforts along with providing erroneous or false answers. I do not know what to do next, because I can not trust them with further payments if this is the treatment I receive.
Product: Bank account or service

XXXX XXXX I set up a joint account for my mother and I. We needed a way to share funds because we are purchasing a house together. I signed up for an account online. I received an email stating I needed to send a bank statement to verify my identity, so I sent XXXX. I later received a call saying that was n't good enough because they tried calling my credit union to verify my information but the credit union would n't share information. Why call my credit union when everyone knows they 're not going to give out my information? Why ever ask for the bank statement in the first place if the statement itself was n't enough? 

So then they asked for more information. I clearly explained to the person on the phone that I was at a new address and did not have any bills at the new address yet and my license still had my old address. He said I could send a copy of my license and a copy of a bill for the current address with my roommate 's info and that would be sufficient. I sent XXXX items and did not get a request for any additional information. 

Then last week I got a check in the mail for my account balance and notification that my account was closed. When I called to find out why, they said the information was not sufficient. I asked why and they could not explain why because the notes did n't have any details. Then they said they could reopen the account. So I waited for a personal banker to get on the line, we went through my request, and they said I would be contacted within 1-2 days to let me know what information they needed to finish reopening the account. 

A week later I had n't heard from anything so I called back. After 10 minutes on the phone, someone finally said that I could not reopen an account that had been opened online. Why was I told differently the previous week? Why did I waste a week waiting for a phone call that was never going to come? They want me to start the process all over without being able to explain to me why the previous documents were not enough and what I can do differently to make sure the account opens correctly. They want me to risk wasting a bunch of time trying to open this account again. I have now wasted a month and a half trying to set up an account. A month and a half I could have been progressing on the house purchasing process. And all because Citi ca n't figure out what documents they want and how to do basic communication with a customer.
Product: Checking or savings account

THis in regard to a TRUIST checking account. 

On XX/XX/2022 my account had a balance of {$84.00}. On that day I made purchases for : {$12.00} {$0.00} {$38.00} {$3.00} {$2.00} {$2.00} Adding up to {$60.00} This left me with a balance of {$23.00} However, on that day I was charged an overdraft fee of {$36.00} for no given reason, and my account went to - {$12.00}. This fraudulent charge went on to cause compounding charges since I made further purchases without the knowledge that I had a fraudulent fee on my account. 

On XXXX XXXX I incurred XXXX more {$36.00} fees which would not have occurred had the first fraudulent fee happened. 

I contacted customer service and they insisted that I was overdrawn, even though my account statement says otherwise. I am currently on my third representative and I have had no success in rectifying the issue.
Product: Checking or savings account

On XX/XX/2022, I mailed check number XXXX in the amount of {$3100.00} as payment to one of my vendors. Check number XXXX was stolen from a USPS mail box. On XX/XX/2022 I discovered check number XXXX had been cashed by a person of the name XXXX XXXX instead of my vendor XXXX XXXX XXXX. I immediately called US Bank and got in touch with the fraud department. Since then I have received three letters asking for the same information in regards to what happened. The first letter I responded to from US Bank was on XX/XX/2022. The second letter I responded to XX/XX/2022. The third letter I responded to XX/XX/2022. Each time I filled out the requested paperwork and emailed it back to US Bank. Nothing has happened since.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested several investigations into an account that was placed in collections including sending certified mail and notarized statements to XXXX, XXXX XXXX, and Equifax. In XX/XX/2014 I signed a lease with XXXX XXXX XXXX in XXXX, FL which is under the name ( XXXX XXXX XXXX ) on my credit report. After living there a month I was forced to move to another unit because of construction. One month later in XX/XX/XXXX I was forced to move out because the construction was making me very sick. The front office agreed to release me from the lease but did not notify the back end office in XXXX. My move out statement shows that I was billed a half a month of rent and my final water bill was XXXX XXXX. I was moved out on the XX/XX/XXXX which the property management said that there was no issue since I was getting sick from their rental unit and they did not want any lawsuits. This has turned into a nightmare trying to fight. When I most recently moved into a new apartment this year I was able to pull up my move-out form from XXXX XXXX and the copy of the lease. The information on my credit report is inaccurate and should be removed. I have sent numerous letters ( even notarized and certified ) but nothing ever gets done. I even had credit bureaus return mail saying they couldn't find this account. Please help me deal with this issue and get my information to them. It has been very difficult to represent myself and prove my side of my story to show no wrong doing on my part.
Product: Mortgage

My Mortage is with Select portfolio services, I was told that I missed a deadline in may for them to help me with my mortgage. I lost my job in XXXX of XXXX and just recently started a new job as of XX/XX/XXXX. The bank is requesting that I pay a large amount to reinstate my account otherwise they will continue with a foreclosure. I asked if there are other options and was told no. At this point I dont know what else to do.
Product: Credit card or prepaid card

I went to a Wyndham sales presentation on XX/XX/2019 at XXXX XXXX, Tennessee. I am a Wyndham owner and already have a Wyndam credit card. 

When I was speaking to the salesman, I was clear that I did not intend to make a purchase, and told him that both my husband and myself have Wyndham credit cards. The salesman asked us to make sure our account information was up to date and had us sign a statement that it was. 

About 10 days later, I received two notices fr om Barclay 's Bank, stating that we did not qualify for the credit cards that we applied for because we already had open accounts. I have been in contact with dozens of Wyndham owners who have been lied to and tricked into having a credit report run this way. It is a pervasive problem throughout the Wyndham franchise.
Product: Student loan

I graduted on XXXX 2007, from XXXX XXXX XXXX, right now my student loans is about XXXX or more, I ca n't paid my loan, I 'm single mother of XXXX, work XXXX hours a week to paid rent, utilities, food etc. I would like to know if XXXX charge me a lot of money got a my XXXX, I do n't work in computers, they didnt help me to find a job. So I would like to know if I have a case. My credit is so poor right now, that I ca n't even buy a house o a car. Help me please
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel like I was treated unfairly with regards to my credit. I have worked very hard over the years to build and keep good credit only to have it slashed significantly in one day. I contacted several card companies pleading with them but to no avail. Ive never missed payment with these companies but they chose to decrease my credit limit thus impacting my score significantly. I feel very wrongly and unfairly treated.
Product: Mortgage

The intention for anyone enrolling into a Mortgage Relief payment initially is, so they dont have to make any mortgage payments temporarily, not so they would have to pay out of their own pocket. I originally informed Specialized Loan Servicing, LLC ( hereinafter referred to as SLS ) about my application, and SLS threatened that they would accelerate filing a delinquency notice against me unless I paid the XXXX & XXXXXXXX XXXX monthly mortgage payments. 

SLS claimed that as long as those payments were made first while my mortgage relief application is pending, they would leave me be. The XXXX Debt Collection Department also stated that once the Mortgage Relief funds were applied to my loan, XXXX would automatically apply the payments I made for the XXXX and XX/XX/XXXX mortgage payments towards XXXX and XX/XX/XXXX instead. That would have resulted in a good standing with SLS and also would bring my loan current. 

It didnt seem like I had a choice, so I went ahead and made the 2 payments.

I was finally approved by the California Mortgage Relief Program to cover my mortgage payments. However, SLS did not ask for the Mortgage Relief Program to include the 2 I had paid while my application was pending. I tried to contact SLS several times regarding this issue, but I couldnt reach them. SLS avoided communication, so inevitably I couldnt implore them to seek the additional funds for the two months.

I managed to reach out to the SLS Escalation Team regarding this issue. Sadly, they said they are not the department that can authorize a decision. 

Even though I followed SLS instructions and paid out of my own pocket, SLS filed a negative report to the 3 credit bureaus while my CA Mortgage Relief was pending approval.

SLS took advantage of my situation and their claims turned out to be a sham. As a loan servicer company, this tactic should be deemed unlawful. I did not make those 2 earlier payments on my own volition, I was forced into it and got unfairly reprimanded.

I made numerous attempts to contact them and resolve this issue, but since SLS technically was now paid in full, they no longer cared to respond back. They dont want to be bothered on how the funds are received, as long as the payments are in their hands. 

In the end, I had their escalation team email to their back office more than three times in a two-month span. I was transferred to their HAF Dept. and left nearly 16 voicemails at ( XXXX ) XXXX, extension XXXX. I was directed to their Loss Mitigation Dept - ( XXXX ) XXXX, however, resulting in neither any call backs nor emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information on these reports are incorrect misleading and against the the law. This account has in accurate information and this debt is not owed but is alleged. 15 usc 1692g collections alleged debt .all debts belong to the US therefore there is no debt that I as the consumer owes. This debt has already been paid. This has affected me in so many ways, my life has been altered by this incorrect information.
Product: Vehicle loan or lease

I had an auto loan with Bridgecrest, but refinanced it with XXXX XXXX XXXX. Bridgecrest was paid off on XX/XX/2022, but they will not release my title to XXXX XXXX XXXX. They have given several excuses : XXXX. The title is in a vault and it takes usually 10 days to retrieve it and mail it. 
XXXX. We failed to retrieve the title from the vault and dropped the ball, we are sorry. 
XXXX. We have the title but we need XXXX 's physical address in order to expedite it. 
I provided them XXXX 's physical address on XX/XX/2022. XXXX notified me today that they still have not received the title. XXXX XXXX, if I can not produce a title, they are increasing my interest rate to the maximum allowable rate. This is out of my control because I can't get Bridgecrest to cooperate. I am going to lose my low interest rate on my loan. 
Today, I reached back out to Bridgecrest. They informed me " We never mailed the title because we do not have it, but we can mail a lien release form so XXXX can go to the DMV and get the title their self ''. I spoke with XXXX and they won't do this, they said they have to have the title. Bridgecrest needs to release this title but I can not get them to and the excuses are always contradictory. I feel the Bridgecrest is retaliating because I refinanced with another bank and maybe trying to force me to finance the car with them if I am unable to produce the title to the new lender. I think this is unfair. 

Please help me get this matter resolved since Bridgecrest can not provide me with consistent answers as to where the title is, they will not mail it and they also keep telling me they will but then never call me to tell me there are problems.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the accounts and inquiries listed below in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach. Under these provisions, any account or inquiry resulting from unauthorized access or fraudulent activity must be blocked and deleted from my credit file.

Please ensure that the following accounts and inquiries are blocked and deleted from my credit report : ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

This debt is not mine and it still continues to show up on my credit report. I have yet to receive any information regarding this debt and never was contacted by phone either. The amount owed is also incorrect due to damages done by tenants ( not me ). There were other tenants on lease and I am not responsible for this. Also, I have called and emailed and nobody will respond as well ( I can provide proof ). This needs to be taken off of my credit report asap.
Product: Credit reporting or other personal consumer reports

I am writing regarding my accounts referenced here : XXXX XXXX XXXX  {$460.00}, XXXX XXXX XXXX {$110.00}, XXXX XXXX {$330.00}, XXXX XXXX {$800.00}. 
I recently reviewed my credit report and noticed that the account is listed as Balance Owed, despite it being charged off and the requested issuance of a XXXX form. 
This account was charged off on and I subsequently requested a XXXX form, indicating that the debt is no longer being pursued and is considered " cancelled debt '' for tax purposes. However, my credit report inaccurately reflects an active balance. 

Under the Fair Credit Reporting Act, you are obligated to report complete and accurate information to the credit bureaus. The failure to update my account status, especially in light of the XXXX form, could be viewed as a violation of this act. 

I kindly request that you update the information with all credit reporting agencies ( Equifax, XXXX, and XXXX ) to reflect the charged-off status of this account with a balance of {$0.00}, consistent with the XXXX form. This update is crucial to ensure my credit report accurately represents my credit history. 

Your prompt attention to this matter is appreciated. Please send me confirmation once this update has been made. Maintaining an accurate credit report is important to me, and your cooperation is essential in this matter. 

Thank you for your time and understanding
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not initiate these inquiries in section 1681b ( c ). no permissible purpose. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. FTC attached XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am exercising my right under the Fair Credit Reporting Act, Metro 2 Compliance Guidelines, Credit Reporting Resource Guidelines. I am DEMANDING you remove this item immediately. XXXX XXXX, account number : XXXX. This account is being reported illegally. If not removed immediately, I will pursue all LEGAL REMEDIES at my disposal Accounts must be deleted for the following reasons : Credit Reporting Resource Guide XXXX -Accounts which are reporting inaccurate information, Charged Off accounts reporting a positive balance. 
-Accounts which are reporting inaccurate information, Charged Off accounts reporting a Past Due Balance -Accounts which are not reporting monthly, Failed to report for the months of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX of the year XXXX
Product: Credit reporting or other personal consumer reports

Iam writing to file a complaint regarding inaccurate items on my credit report that was still reported in despite of my previous ( 2 ) request and kindly request your assistance in getting them to removed. The inaccurate information is negatively affecting my creditworthiness and financial well-being, and I have been unsuccessful in resolving the matter with the credit reporting agency directly. I demand an immediate removal of this violation and compensation for the damages caused and thorough investigation into this violation and appropriate remedies as per the law. I have attached my supporting documents for your reference, including correspondence with the credit reporting agency. These Charge Offs, Accounts Included in Bankruptcy, and Public Record should be removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These account are still On my credit report. You violated FCRA 15 USC 1681eb and the information you reported is not 100 % accurate. Kindly provide me with substantiating documentation that unequivocally confirms the validity of the account in question on my credit report, while ensuring that my rights have not been flagrantly violated. In the absence of such compelling evidence, I insist on an immediate eradication of this detrimental data. 
Unless you can promptly furnish me with convincing documentation that definitively affirms the legitimacy of including the following account on my credit report and guarantees the inviolability of my rights, I vehemently demand the expeditious removal of this deleterious information. - Thoroughly and diligently investigate the inclusion of these accounts on my credit report, and present me with irrefutable documentation that unquestionably validates its presence and unequivocally assures the preservation of my rights. Should you fail to produce such compelling evidence, I insist on the immediate and unequivocal removal of this unlawfully reported information. These mentioned accounts with no balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These charge offs account on my credit report, despite having a XXXX  balance, is causing excessive distress and severely tarnishing my credit score. I demand that you take immediate and decisive action to thoroughly investigate and expunge the charge off status, thereby ensuring the accuracy and currency of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. My information was also impacted by the XXXX data breach and they have got into the hands of the wrong person. I demand that this incorrect, inaccurate, and unverifiable information on my credit report be immediately removed, this is a violation to FCRA. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 2022
Product: Credit reporting or other personal consumer reports

There are credit cards opened under my name, and I believe its fraud. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Opened XX/XX/XXXX ; Limit : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, Phone # : XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX ) - Opened XX/XX/XXXX ; Limit : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, Phone # : XXXX And there are inquiries as well : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Incorrect personal information as well : XXXX. Name : XXXX XXXX - should be XXXX XXXX XXXX. Address : XXXX XXXX XXXX XXXX XXXX NY XXXX ; should be XXXX XXXX XXXX, XXXX, CA XXXX