23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In the picture attached you will see that they are telling me that my scores arr out of date but still give me the bogus scores and the kicker is they will adjust my scores to the right ones if I pay them XXXX this is extortion
Product: Checking or savings account

I opened up a savings account with Barclay on XX/XX/2023 ending in XXXX. I linked my accounts as requested and deposited two funds totaling in {$5500.00}. They did not state any problems with the first transaction but during the second on XX/XX/XXXX they suspended my account without any notice. I attempted for days to enter my account to access my funds without assistance. I called Barclay where they stated that I needed to send over my ssn, bank statement, drivers license. I provided all the information and then had to call back days later to find out they had closed my account without any prior notice. This was on XX/XX/2023. I was told that in 5-7 business day my funds would be returned to my original account. I waited till XX/XX/2023 to call again because I had not received anything. I called my original bank and they stated not getting any notice of a deposit from Barclay. I called back on XX/XX/XXXX where they stated " it was already cleared, it has been sent, it will be there by XX/XX/XXXX ''. 
On XX/XX/XXXX nothing had been cleared. I call back Barclay and I am first told it is being sent to my other account. Then I am asked to verify my information. Then finally I am told I need to contact my original back and request that they retrieve my money back. When I ask " why is it a different answer every single time, I just want my money back ''? They had no answer. It is now XX/XX/XXXX, its been 7 business days. I can not seem to retrieve my funds, get a clear answer of their transfer or placement, and the banking support at Barclay refuses to assist me. They have closed my account so I can not even request personally to have them transferred back. 
This is dishonest service. These are my savings. I have worked so hard for this money and they are treating it like it is nothing. 
This needs to be addressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out my identity had been compromised because my wallet was stolen from the store. I didn't take the proper measures afterward. I just got a duplicate drivers license and copy of my social security. Several years later I'm receiving letters after letters of several unpaid accounts that I have never open. I then started to investigate and pulled my credit to check what all had been opened. There are way too many fraudulent accounts open that I am not nearly familiar with and a outrageous amount of inquiries that not all I was able to list on here. These accounts are not mine. Please remove them. 

XXXX XXXX XXXX {$1400.00} XXXX XXXX  XXXX {$240.00} XXXX XXXX    XXXX XXXX XXXX {$100.00} XXXX XXXX  XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX {$68.00} XXXX XXXX    XXXX {$460.00} XXXX XXXX XXXX XXXX {$450.00}
Product: Checking or savings account

I signed up for a business checking account with a promotion offer of {$500.00} for meeting certain requirements. I met all the requirements say for one due to a banking error. The one requirement BMO claims I did not meet was that I did not make 10 electronic transactions. However I did attempt to make 10 electronic transactions by using the account to pay utility bills online. For whatever reason BMO decided to send the vendor ( peoples gas ) separate physical checks instead of electronic checks or payments. They also charged me for sending people 's gas those checks but have since refunded me after speaking with a rep. I never authorized the sending of physical checks. Since I did send online bill payments to this vendor which were always considered electronic payments with other banks I am requesting that BMO honor this promotion and pay me the {$500.00} they owe.
Product: Mortgage

AmeriHome Mortgage sent me a letter in XX/XX/2019, stating that the mailing address on my mortgage account had mistakenly been set to the property on which I have the mortgage. Without my input, AmeriHome had corrected the address to my correct contact address - so there is no question that they knew what it was. 

Upon receiving the letter, I sent an email to AmeriHome on XX/XX/2019, asking them to confirm that I was correct in understanding they had been sending printouts of my personal mortgage statement to someone other than me ( in this case, to my tenant ), and they finally responded on XX/XX/2019 with a non-committal confirmation that their records reflect [ my correct mailing address ]. 

AmeriHome sent personal mortgage statements to someone who did not have a right to have them for 6+ months due to a " system error '', and then displayed an inability and/or unwillingness to properly respond to a consumer inquiry in a timely or honest manner. I believe that AmeriHome is demonstrating a lack of robust privacy controls and may need to be audited/fined/controlled by a federal agency. 

As a side note, which is minor but lends itself to problems with AmeriHome systems - when I first tried to sign up for online access to my account, I appeared to have done so without issue. But I was unable to login, despite repeated attempts at reentering my user name and trying to change my password. I finally called AmeriHome, and learned that the system only allows 15 characters in a user name, so it automatically cut off the last 2 letters WITHOUT informing me. This is another incident pointing to improper systems at AmeriHome mortgage.
Product: Credit reporting or other personal consumer reports

I noticed that inaccurate accounts are showing up on my credit report this morning and I have no idea why. I just checked my credit report as I usually do but this time there were discrepancies out of nowhere. I tried refreshing my browser to see if it was just a glitch or something but it was not. The inaccurate accounts did not get removed when I refreshed my browser. Because of this issue, I am asking that the documents I've sent will be checked thoroughly so that I can never worry again about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries made by XXXX XXXX Companies are fraudulent, duplicated twice per inquiry having a hugely negative impact on my score. The amount of inquires in the period of time they were made show an obvious financial fraud/scam. 
They were made without my consent or knowledge, resulting from XXXX data breach XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX The following inquires made by XXXX XXXX XXXX are fraudulent, and duplicated on my report as well. They were made without my consent or knowledge, resulting from XXXX data breach XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX The following inquiries made by XXXX are fraudulent and duplicated on my report. They were made without my consent or knowledge, resulting from XXXX data breach. 


XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX
Product: Payday loan, title loan, or personal loan

This company calls me 6 times or more a day. I informed them in XXXX, that I had lost my job and I would call them back when I start work again and get my finances back on track. They dont care they have been calling non stop. They have made it harder for my recovery.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report months ago to find fraudulent inaccurate information reporting to my credit that doesnt belong to me. I have been submitted atlas 6-7 months of disputes contacting the credit bureaus in regards to removing the following information listed. I have police report and etc identity theft affidavit supporting my claim and creditors and bureaus still have not removed all items from my credit report as well as inaccurate addresses names and reporting for the accounts listed below : XXXX credit card opened XX/XX/XXXX balance {$8500.00} XXXX XXXX opened XX/XX/XXXX balance {$4400.00} XXXX credit card opened XX/XX/XXXX balance {$1400.00} XXXX credit card opened XX/XX/XXXX balance {$6100.00} XXXX XXXX credit card opened XX/XX/XXXX balance {$3200.00} XXXX XXXX XXXX credit card opened XX/XX/XXXX balance {$8900.00} XXXX  personal loan opened XX/XX/XXXX balance {$24000.00} XXXX XXXX XXXX XXXX opened XX/XX/XXXX balance {$2700.00} XXXX XXXX opened XX/XX/XXXX balance {$2200.00} None of this accounts are mines or valid. No authorization and where not opened by me they are fraudulent and I demand that they are blocked or removed from credit report immediately.
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 Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : 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 : XXXXXXXX XXXX Account Number : XXXX has violated my rights. Or 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 informationisinaccurate.
Product: Consumer Loan

I have notified World Finance that I was a victim of Identity Theft, my wallet was stolen, I provided World Finance with a Identity Theft Affidavit. To date, World Finance has failed to remove this account from my credit file. So, I am in need of your assistance in getting this account removed from my credit file.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  sent me a 1099c cancelation of debt .Amount of debt is different from what's reported on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts listed on my Experian and XXXX credit report are lost/stolen credit card accounts : XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, balance {$450.00}, and XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, balance {$580.00}. The following credit inquiries listed on my XXXX and Experian credit report are fraudulent, unauthorized and not mine : XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX and XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have disputed my address and personal information on all 3 credit reporting agencies. They have all failed to correct the address. My address is XXXX XXXX XXXX XXXX, FL XXXX. The has always been my address. No other addresses should be reporting on my credit report. It has also been the only address on my drivers license. Any other address that is on my credit is a result of fraud. I have attempted to remove it with no success on XXXX, Equifax, and XXXX. I have also filed a report on identity theft.gov. and submitted it to those reporting agencies but they failed to remove them. this is a Violation of 15 U.S.C. 1681i ( 5 ) removal of all inaccurate/invalid credit. Please remove immediately.
Product: Checking or savings account

On XX/XX/2021, I entered my bank 's application and I realized that there was less money than I should have, so I began to review all the charges, because it is a business account ; and I realized that there were many charges which I did not recognize in total there were 11 charges which are the following : {$12.00} XXXX XXXX {$150.00} XXXX XXXX  {$170.00} XXXX XXXX XXXX {$270.00} XXXX XXXX {$110.00} XXXX XXXX {$250.00} XXXX XXXX {$170.00} XXXX XXXX {$560.00} XXXX XXXX {$160.00} XXXX XXXX {$1700.00} XXXX XXXX {$300.00} XXXX XXXX TOTAL : {$3900.00} On the same XX/XX/2021, I called the BANK OF AMERICA call center to report the charges that I did not recognize and they told me that they would give me a provisional credit in the next 48 hours, while the investigation concluded. 

On XX/XX/, I received a letter from BANK OF AMERICA saying that they could not return the money to me because I had authorized all the charges and that the documents that proved it were attached to the letter, in which there was no attached document ; The amount of the letter was the amount of {$3000.00} and not the actual amount, which I said previously. That same day, I called back to the BANK OF AMERICA customer service center and they told me that in order for the investigation to be reopened, I had to send a fax explaining everything, which I did immediately. 
On XX/XX/ I again spoke to the BANK OF AMERICA call center to find out the resolution of the problem and they told me that it had again refused because I had made those charges and that in the message box of the BANK OF AMERICA application it would find all the evidence that proved the resolution of the investigation and that all I could do was go to the police. It is worth mentioning that I entered the mailbox and it was empty On XX/XX/ I went to the BANK OF AMERICA branch, I told the executive the whole situation and again called the BANK OF AMERICA call center and on the call they told her that in each purchase I sent a copy of my passport to confirm each purchase, which is not true. I have already requested several times that they send me the evidence where I send my passport and they have not sent me anything. 
I have been with the BANK OF AMERICA business account for about two years and nothing has ever happened. I have moved a lot of money in that account and it is not possible that when I need support they turn their back on me.
Product: Credit card or prepaid card

XX/XX/21 around XXXX XXXX  : I used the Chase Sapphire credit card to make a purchase at XXXX XXXX in XXXX, CA. I made a purchase of {$540.00} at the store and went home that night. 

XX/XX/21 around XXXX XXXX  : I called Chase to report that my credit card is missing and that there are fraudulent charges on the card. The Chase representative went over the charges one by one with me for the past two days and assured me that the fraudulent charges will be taken care of. The fraudulent charges consist of {$200.00} at XXXX XXXX, {$410.00} at XXXX, {$520.00} at Theory, and {$1300.00} at XXXX XXXX, for a total of {$2500.00}. 

XX/XX/21 around XXXX XXXX  : I received a call from Chase 's representative informing that my claim was denied because the transaction time between what I reported was a my legitimate transaction and what I claimed was the fraudulent transaction at XXXX XXXX was too close to be possible. The representative claimed that there was only 21 seconds between my transaction and the fraudulent transaction. I tried to explain that anything could have happened within the 21 seconds. I tried to give some hypothetical scenario and the representative accused me of " changing my statement. '' The representative then told me that I can appeal the transaction but then based on the " evidence '' that Chase collected the claim was denied and I was implied to have defrauded the bank. 

I contacted a sales representative from XXXX XXXX, the store where I believed I have lost my credit card, and asked for assistance. 

XX/XX/21 : In my credit card history I can see that the previously reversed charges have been placed back into the amount that I owe on the statement. 

XX/XX/21 : XXXX XXXX XXXX sales representative was able to confirm that the two charges on my card at the store had a time gap of approximately 21 mins and not the 21 seconds that Chase 's representative stated found in their record. They also said that they have record of the transactions having different customer ID and different recorded customer information. Also they were able to prove that the two signatures on the two transaction was completely different. With this information I have filed a police report with the XXXX Police Department. 

XX/XX/21 : I have emailed the case representative and Chase about this transaction.
Product: Student loan

I unfortunately did not find a good paying job after graduation. As I anticipated having to repay back my loans, XXXXNavient wanted me to repay back a ridiculous monthly payment that I simply could not afford. I would offer a lower payment that I could afford and they would refuse and tell me I could just go on a forbearance and/or deferment. If I had know then that I could do an income based repayment plan rather than accepting the forbearance and/or deferment each time I would not have accrued as much interest over time. I kept telling them I can pay something and they would not accept it. 
They said I could pay whatever I wanted, but I would still be on the deferment and/or forbearance. If only I had more options 10 years ago. 
I went back to school again to try to get a better job and after years of school and accrued interest I wo n't even begin to make a dent in my payment. I luckily am now on an income-based repayment plan just wish I had n't been pushed into forbearance and/or deferment as the only option for help.
Product: Money transfer, virtual currency, or money service

XXXX permanently closed-out and permanently deactivated my account for no reason!!! I need my XXXX account for work!!! Along with this, there is no customer service phone number to reach the XXXX  XXXX. I got lucky and was able to find a number to call and then speak to a live representative/agent. After speaking to several reps and managers about my situation, they were unable to help me. One rep said that he would open-up my account again, which he did, however, I am not able to send payments to friends and receive payments from friends ( it is just a stand-still open account ). If someone could please help me in getting my XXXX account back up and running so that I am able to send and receive payments, that would be greatly appreciated. Thank you!!!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is reported with inaccuracies. I sent all 3 bureaus a dispute and asked them to do a full investigation, verify, and remove the incorrect information. After I received their results with no changes I did my own due diligence I found improper inaccuracies remained as derogatory on my reports. The XXXX credit bureaus did an improper investigation. 

According to the Fair Credit Report Act Account # XXXX .... violated my rights - 15 USC Section 6028 States that I have a right to privacy. 15 USC 111681 Section 0 604 Section 2 also states the consumer reporting agency can not furnish an account without my written instructions. 



XXXX XXXX .... 
Updated The item you disputed has been updated, which may include an update to the disputed information. Please review your report for the details. 
Before Dispute Account name XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... 
Type Charge Card Terms NA On record until XX/XX/XXXX Recent balance Not reported Credit limit or original amount {$300.00} High balance XXXX XXXX Monthly payment {$0.00} Recent payment amount Not reported Date opened XX/XX/XXXX Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Status Discharged through Bankruptcy XXXX XXXX 
Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX. 

After Dispute Account name XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... 
Type Charge Card Terms NA On record until XX/XX/XXXX Recent balance Not reported Credit limit or original amount {$300.00} High balance XXXX XXXX Monthly payment {$0.00} Recent payment amount Not reported Date opened XX/XX/XXXX Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Status Discharged through Bankruptcy XXXX XXXX 
XXXX Account previously in dispute - investigation complete, reported by data furnisher Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX.
Product: Debt collection

I was a victim of a scam. I attempted to explain this to the card company before the payments were behind and the were rude, non-believers, and made fun of the situation. Now I am getting an extreme number of calls from them, over 50 so far just this month. It's XXXX XXXX  and they've already called 4 times today. I feel completely and totally harassed by them and they are causing me extreme XXXX.