23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Barclays card opened an account w my stolen identity. They failed to properly protect me from identity theft. They are reporting their failure card debt and failure to pay on my credit report when they confirmed that it was a case of credit card fraud and identity theft against me. 

Barclays card not moving in a timely manner to correct this issue and their account verification failure.
Product: Checking or savings account

i am filing an complaint with the CFPB regarding capital ones failure to deposit my direct deposit from my employer and any other incoming deposits.Capital one has site technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and i request your assistance in investigating this matter to ensure my rights are upheld. Thank you
Product: Credit card

XX/XX/2024 Just opened my mail to find that Sears Credit Card that I have had for over ten years and never missed a payment is raising my interest rate to 34.24 %, effective XX/XX/2024. Their letter was dated XX/XX/2024 The Sears card is through CitiBank.

This is just one month before the Federal reserve is about to start cutting interest rates. 

They tried to get me to raise my limit in XXXX. 
My interest amount now is 20.49 % on a {$8000.00} balance or {$140.00} in interest.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX Balance : {$0.00} CREDIT ACCEPTANCE XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX  XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX Balance : {$0.00} NCSTATEEMP XXXX Balance : {$8200.00} NCSTATEEMP XXXX Balance : {$980.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX Balance : {$170.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$210.00} XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX OF XXXX XX/XX/year>
Product: Debt collection

I have sent Ad Astra XXXX certified letters and XXXX email requesting they cease all contact with me. I have asked them not to contact me at work yet they continue to call my place of employment. They are violating my rights an I want them to stop harassing me.
Product: Credit reporting or other personal consumer reports

I have account passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian is disregarding legal statute. They claim to have somehow verified an item I requested. Therefore, I legally requested a description of the procedures used to verify the information. I requested answers to the following questions : What certified documents were reviewed to conclude your investigation? 
Provide me with a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation, as required by FCRA i.e. Who did you speak with? What was the date? How long was the conversation? What was their position? What number did you call? What is the name of your employee that spoke directly to the alleged creditor, or in this case, the entity acting as a XXXX XXXX XXXX Collector? What is the position of your employee that spoke to the creditor? To date they have not responded to this request.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, I requested Equifax to dispute the following unauthorized Inquiries on my credit report and was told to contact them directly! But it 's the credit bureau job to investigate my claim and they refused. 

The following companies made unauthorized Inquiries on my credit flies. 

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
Product: Money transfer, virtual currency, or money service

Hello, I am the account owner, and I want y'all to review my request again. And my cashtag is $ XXXX. And proceeded with my verification for my bitcoin wallet and approved it because I am the account owner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXX Balance {$0.00} US DEPT ED XXXX Balance {$0.00} US DEPT ED XXXX Balance {$0.00} US DEPT ED XXXX Balance {$0.00} US DEPT ED XXXX Balance {$0.00} US DEPT ED XXXX Balance {$0.00} XXXX  XXXX bankruptcy discharged Reference number : XXXX
Product: Debt collection

I viewed my credit report a year ago and noticed a collection account for XXXX XXXX XXXX XXXX XXXX  XXXX XXXX in collections with Solomon and Solomon PC collections law firm. Once I noticed the account I contacted the agency and explained I was a victim of XXXX XXXX and fled the apartment to get away from my XXXX. The account was in my name however I supplied the collection company with a copy of my new lease proving I did not reside at the apartment at the time and a letter from my XXXX XXXX XXXX. I was told to contact the XXXX company and file an appeal which I did and I was redirected to the collection agency. At this time I attempted to negotiate with Solomon and Solomon regarding the {$2100.00} debt and they stated they would have to charged me XXXX and there would be no further negotiation. I recontacted the electric company and was redirected back to the collection agency. I then contacted the Public Service Commissioner 's Office however since the account is no longer with the electric company they can not assist.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act grain acount # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my federally protected rights 15usc1681 section 602A states I have the right to privacy.15 usc1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

Over the last week and a half, I have called and spoke with Fifth Third Mortgage 3 times. Most recently I had a conversation around XXXXXXXX XXXX EST. 

I informed them that I was aware that XXXX XXXX ( who my loan is associated with ) was urging service providers ( in my case Fifth Third ) to defer payments up to 12 months. 

My husband and I are XXXX XXXX people in the XXXX industry and not only has our cash flow immediately halted, but we are hemorrhaging money with refunds due to cancellation relating to COVID-19 and travel restrictions. 

Although we were being proactive anticipating this hardship I was informed by Fifth Third that I only had one option : To defer my payments for 3 months at which time they will ask me to pay the 3 months back in a lump sum ( {$4200.00} in my case ), and if unable they will address it or modify my loan. I can state with certainty that even if my businesses bounces back and we can operate within 3 months that we will not be in a position to pay {$4200.00} nor is modifying my loan an option. 
I'd like to know why Fifth Third is not following the instructions from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 

Fraudulent/Negative Accounts : XXXX XXXX Account Number : Account XXXX Balance : {$240.00} Fraudulent Collection Accounts : XXXX XXXX, XXXX Account XXXX : Collection XXXX Balance : {$4300.00} Fraudulent Collection Accounts : XXXX XXXX Account Number : Collection XXXX Balance : {$310.00} Unauthorized Inquiries : Inquiry XXXX XXXX XXXX XXXX, XXXX Inquiry name : XXXX XXXX XXXX XXXX XXXX, XXXX Inquiry name : XXXX  XXXX XXXX XXXX XXXX XXXX Inquiry name : XXXX XXXX XX/XX/XXXX Inquiry name : XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Inquiry name : XXXX XXXX XXXX, XXXX Inquiry XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX Inquiry XXXX XXXX XXXX XXXX, XXXX Inquiry name : XXXX XXXX  XXXX XXXX, XXXX Inquiry name : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry name : 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 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 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 Inquiries 15 U.S code 1681n Infamis of pulls
Product: Credit card or prepaid card

On XX/XX/XXXX I tried to withdraw {$300.00} from my XXXX XXXX ( Payfare ) account from an XXXX ATM, while the transaction was processing their was a malfunction and the unit shut down. Although no cash was dispensed, the funds were withdrawn from my XXXX XXXX-Payfare account. 

I immediately contacted the ATM Provider ( XXXX ) and they confirmed that no cash was dispensed, yet the funds were withdrawn from my account. They stated that the refund process had to be initiated by XXXX XXXX and that XXXX XXXX ( Payfare ) should reference the XXXX Case Number XXXX. 

XXXX assured me that they would not dispute this and their system records show that no cash was dispensed and the funds were withdrawn from my account. 

The problem started with the XXXX XXXX-Payfare customer service group ( offshore ). I engaged XXXX XXXX ( XXXX ). The requested a summary of the event which I emailed them 7 minutes later at XXXX XXXX. This started an endless an endless email and voice campaign which provided no resolution, they kept stating it may take up to 60 days to complete. On XX/XX/XXXX they sent me a form to complete that I had to return it immediately or my case would be closed. When I tried to communicate with them on the XXXX my email was rejected because the case was closed Today I spent 30 minutes on the phone and I askerd them why did it take 17 days to send me the form, they stated the pandemic. I stated that I was truly ill ( recently detected XXXX  XXXX ). The operator stated that they did not want to receive any further documentation from me, but they will consider re-opening my case. 

This action could have been resolved within 24 hours-XXXX  stated repeatedly there is no dispute, your card provider just needs to request a refund using the case number that you provider ( XXXX ). 

Payfare has made it impossible to contact anyone domestically, all must go through the offshore call center which can not grasp the problem. 

I am a senior citizen, a XXXX  veteran and I really need your help to escalate this case where there is NO DISPUTE, the ATM provider states they will refund the monies owed me, but it can only do so through the card provider, Payfare. 

All pertinent documents are in a single document that I have attached. 

Thank you in advance, XXXX XXXX All
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4300.00}, {$2300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX XXXXXXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4300.00} -This is not my account. 

-- CLOSED ACCOUNT 2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account.
Product: Debt collection

The XXXXXX/XX/XXXX, in XXXX sent a " judgement letter '' to my home saying I owe " XXXX XXXX XXXX '' XXXX dollars. This was opened ( checked credit report ) in XXXX XXXX?? I never got or my parents, since they get the mail here, and I would have known about this card for XXXX XXXX XXXX. and why now the dispute or this case, which I have no knowledge of. They now put this report into my credit report?? as of yesterday, after I wrote the back and told them this account is NOT mine. and it was NOT in my credit report?? This account was opened in XXXX XXXX, Texas?? I lived in PA at that time. According to the report they added, this was taken out in XXXX of XXXX  I did go to XXXX XXXX that year of XXXX and returned to PA in XXXX?? I have no idea who would open a card in my name. I lost my card there twice! ( in XXXX ) and my phone was stolen as well, and had to retrieve my social security card after I got back to PA. There is no way I could have opened up a XXXX  XXXX XXXX XXXX?? Something I have no idea of. I need the law firm to investigate this since I do not own this card or ever have. I have also a credit card which was never used at a " XXXX XXXX  XXXX '' opened as well?? ... which is not mine, and I never applied for this either. I believe I have been the victim of some stupid identity scam. I reported this dispute with the Credit report companies as a dispute? I know what and who I owe, but not this card or the other
Product: Debt collection

Innovative Collection Services is attempting to collect a debt that I never came into contractual agreement and never agreed to pay. Basically the debt is not mine because I never agreed to it. I received a final notice on XX/XX/2019 requesting XXXX dollars for something called a city booking fee.
Product: Checking or savings account

My account has not been credited my direct deposit funds. Capital one has not given an eta or has not met the deadline they previously set.
Product: Mortgage

On XX/XX/XXXX I paid a reinstatement fee of {$13000.00} to make up for missed payments as I was sick after that I was told I owed an additional {$1500.00}. 
On XX/XX/XXXX I received a letter of intent of foreclosure after being late 30 days. 
On XX/XX/XXXX I received a letter of escrow increase in the amount {$2400.00} plus starting in XX/XX/XXXX On XX/XX/XXXX I received a letter to inform me to get my own insurance as they were going to be paying XXXX per year. 
On XX/XX/XXXX I received a letter to inform me that they cancelled the insurance as my new insurance company sent them the paperwork, however they said that there was a lapse of insurance and they were going to charge me {$7500.00}. 

# 1 When they sent me a letter to reinstate the mortgage I paid the amount asked. 
The {$1500.00} was added to it later after the fact. That amount was paid when the request for payment happened on XXXX with the letter of intent to foreclosure. 
# 2 after being 30 days late you want to foreclosure on the property.

# 3 you sent an escrow increase letter not even 60 days prior to the fact # 4 The mortgage company was in charge of the insurance payments if there was a lapse is their fault not mine. Also they sent a letter requesting insurance inmediately not even days notice. 
I have called a real estate attorney I was going to hire and as per his advise he said submit a complain with CFPB they are the first step moving forward. 
Make no mistake, I will do anything in my power to get a solution to these on going matters. 
My friend works for XXXX XXXX and believe me I will start with them.
Product: Vehicle loan or lease

I have asked Yamaha financial why am I not getting my monthly statements and the girl on the customer line stated to me that if I pay my monthly loan early that I would not get my statement???? 
As of the dates months that I have paid I only have received one statement, which was for XXXX and I just received it XX/XX/2020 Payment Date Amount Status XX/XX/2020 XXXX Completed XX/XX/2020 XXXX Completed XX/XX/2020 XXXX Completed XX/XX/2020 XXXX Completed XX/XX/2020 XXXX Completed This is from the company website Here are your available Statements from the past 12 months. Select the Statement you would like to view.

Statement Date XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous complaint regarding an inaccurate account reported on my credit file. Despite my earlier request, this account remains on my report, causing harm to my credit profile. I am now requesting that Experian, Equifax, and TransUnion take immediate action to remove the incorrect account from my credit report as required by law. Below are the details of the account that needs to be removed : XXXX XXXX XXXX  {$6500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past XXXX Months XXXX XXXX has sent Transunion the information for this credit card and Transunion is not adding it and every time i call them they say they do not see it. It was on my credit and they accidentally removed it and will not put it back on. XXXX XXXX has sent them official documents for it with no luck.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

Experian closed CFPB complaint number XXXX without providing documentation of verification of inaccuracies. The creditor also, allowed the company an access of 30 to respond to complaint.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

1. {$300.00} direct deposition XX/XX/2019 from XXXX XXXX XXXX for my XX/XX/2019 cover story. 
2. Wrongful " monthly maintenance fee '' charged XX/XX/2019, despite direct deposit. 
3. Unhelpful, snooty, discourteous telephone banking clerk " XXXX '' failed to fix it.
Product: Checking or savings account

I logged in to my online Chase account via Chase.com during the XXXX XXXX  hour this date and noticed that my primary checking account wasn't showing as it always has been since the account 's inception date of XX/XX/XXXX. I was unable to view my bank statements for this account. I searched the branch documents, secure messages and Notices and letters and no pertinent information was found as it relates to the supposed letter that was sent to me on XXXX XXXX indicating that my account would be closed out. I contacted Chase Customer Service at XXXX regarding my primary account ending in XXXX not being visible and was told by XXXX XXXX Chase Customer Service Rep that my account had been in a negative status since XX/XX/XXXX and I advised her there is absolutely no way that I would allow my account to be in a negative status for 60 days. Especially, given the fact that I have had this account with Chase for over 13 years. I also advised XXXXChase Customer Service Rep that I am a Life Insurance Agent and my commission checks are directly deposited in my primary account. I requested to speak with a supervisor. I talked to XXXXChase Account Supervisor ID # : XXXX regarding the status of my account and he stated that there hasn't been any deposits on my account since XX/XX/XXXX and I refuted the information regarding my account. I asked XXXX/Chase Account Supervisor what notice was sent to me indicating the date and/or timeframe that my account will be closed and he stated a system generated letter was sent to me on XX/XX/XXXX. I advised XXXX/Chase Account Supervisor that I haven't received any letters from Chase via regular mail or electronic mail/electronic messages/notices regarding specific information pertaining to the closing of my primary checking account. I asked XXXXChase Account Supervisor how do I go about reopening my account because I have a few direct deposits that are coming through and he said I couldn't. I advised XXXXChase Account Supervisor that the initial Chase Rep that the first Chase Customer Service Rep that I spoke with advised me that I would need to pay the {$44.00} to reopen my account but XXXX/Chase Account Supervisor stated that I am unable to reopen my account.