23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To Whom it May Concern : I am writing this letter to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) committed by Barclay. 

After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities, residency approvals, loan/credit line approvals, and administrative fees for the dispute process.
Product: Credit reporting or other personal consumer reports

Why are these negative accounts still on my record? I filed a complaint with the FTC a while ago, but no action has been taken so far. Additionally, I received a letter from the bureaus stating that I am not the one to send the letter to them. This is incorrect, as I am the one responsible for sending my letters.
Product: Checking or savings account

On Friday ( XXXX ) morning at XXXX, I received a phone call from a woman who I came to believe worked for Chase. Obviously, the bank does not call you to ask for information. However, the conversation I had with the woman led me to believe she was actually Chase employee. First, she relayed to me my three most recent transactions, including one that had occurred within the hour before the call. All the transactions were transactions I made within the last day. She told me she was calling because of a fraud alert on my debit card, and someone had tried to make a {$100.00} purchase at a XXXX XXXX in XXXX, AZ. She was calling to let me know they stopped the charge, and they were going to shut down my card and send me a new one because they knew I lived in XXXX, XXXX She recited my address to me. I thought this was weird because I had my debit card in my pocket. Then, she told me to verify that I am speaking to a Chase employee she would send me a push notification through the Chase app on my phone. I did get a notification through the Chase app saying a representative was trying to call me. I did not get a spammy text message or email -- I opened my Chase bank app and got a notification. So, at this point, I thought I was legitimately speaking with Chase because of the notification through the app. Then, she asked me for my pin number " to retire it, '' which is weird, but like I said, I got this legit push notification, and I thought this was a Chase employee. She gave me a fake claim number and said they were sending me a new card. The conversation ended. Immediately, I received an email from Chase saying they were replacing my card. It is ( or appears to be ) a legit Chase email. It is from the same email I receive all Chase notifications from and looks exactly like them. Then, on XXXX -- all the money from my bank account is drained. I call Chase -- they say they never called me, and I go through the claim process with them. I got a now legitimate email for Chase saying they'll replace my card. It is exactly the same email I received on Friday morning. Chase is helping me, but I want to make sure they investigate whether a Chase employee is stealing money from customers, not just resolve my personal issue. I will attach pictures of the emails I received after talking to the woman and the email I received after talking from legit Chase to show they are the same email.
Product: Vehicle loan or lease

I am writing to file a complaint against BMW Financial Services regarding an issue I am experiencing with my online payment portal. 

I recently discovered that the online payment portal for my account was no longer accessible. This has prevented me from paying off my auto loan, which is causing me significant stress and potential harm to my credit score. 

I have attempted to reach out to BMW Financial Services multiple times but I have not received a satisfactory resolution. 

The inability to access the online payment portal is unacceptable, as it hinders my ability to manage my account effectively and make my payment. I kindly request that BMW Financial Services restore access to the online payment portal so I can make payments promptly. 

Thank you for your attention to this matter. I hope for a swift resolution to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. UNKNOWN - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
Product: Debt collection

The company is Hunter Warfield they have my balance from an apt complex that I once occupied. XXXX XXXX I had to switch my number from XXXX to now XXXX. The number ending in XXXX SIM card is in a phone I dont use due to it was a daily issue this company calling none stop no end. I place every number they called me from on block. I have over 15 numbers. I have noticed on that phone with XXXX they are still calling everyday more than 2-3 times. They also I had one lady call me and I told her well I dont have it therefore you can not get the payment. She threatened to call my employer etc. she called me 5 times within 30 minutes. Everyone who calls from this company is threatening. I have spoke to three people and each threatened me in some accord if I didnt pay the balance. I advised you cant force me to pay for something I dont have the money to pay. the balance also steady is going up with them. It was placed on my credit report with a 5 thousand dollar and something balance but as of today the balance sets at 6695.00. This delinquent should be falling off at end of 2022. I am reporting this company because of the harassing tactics they use and if threatening consumers isnt part of the job qualifications then they have people who take it to the extreme. I am diagnosed with XXXX and XXXX and those calls makes me have mental episodes thinking something is going to happen to me etc because of the threat I receive on the other side of phone. Something need to be done with this company. Their calls are monitored and recorded per what they say and I know they should have something that shows they called XXXX far too many times. How and can I file a suit against them
Product: Bank account or service

On XXXX XXXX, XXXX, I opened a Small Business Account in the name of XXXX 50 Year Reunion. The documents I signed, indicated that I would be receiving a debit card tied directly to the checking account that was opened. Within a week, I also received a Wells Fargo Visa Credit Card with a limit of {$20000.00}. I DID NOT APPLY FOR THIS VISA CREDIT CARD. Our family has been valued customers with Wells Fargo since XXXX. My wife and daughters all have their financial dealings with Wells Fargo. Their entire information has now had the potential of being hacked
Product: Student loan

I am currently paying to XXXX XXXX XXXX on behalf of the XXXX. I have received a validation notice and other related information to setup payments with XXXX. I have received all information from both XXXX and XXXX monthly. Along with a payment statement from XXXX parties for the last several months. 

However, now another Debt collector 'Peaks Loans ' has started harassing my family and place of employment. I 've tried to talk to these people, mainly XXXX XXXX, to no avail. She did not have a professional license number and refused to give said address. They are very aggressive and insist they own all my debt. I never received a validation notice from this company. They are, in fact, not aware of any notifications that they should of informed me of. All they cite is that my former college and I signed " documents '' agreeing that they are the sole heirs of my debt. This is beyond false statement and they refuse to remove all contact information and to stop calling. 

Again the person, is XXXX XXXX at XXXX XXXX XXXX XXXX Peaks Student Loans. 
c/o Peaks LoanXXXX XXXX XXXX XXXX, CA XXXX
Product: Checking or savings account

I have been paying for a service for a music festival that was suppose to start on XX/XX/XXXX and ending XX/XX/XXXX. My payment dates were XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX/XXXX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX - each payment was drafted from my Chase debit card/bank account for XXXX for a total of XXXX. Upon receiving an email from the merchant that the event was cancelled roughly 24 hours before my flight ( XX/XX/XXXX ), I immediately tried to reach out to the merchant and the customer service line was disconnected. Unable reach also via email or social media. I reached out to Chase bank and filed a claim. was given a provisional credit for XXXX which is not even half of my charges. I never received services and the merchant has STIL not reached out to the thousands affected. I just want my complete debited reimbursed since services were never rendered. My trip was ruined. I have all the proof from both the hotel that they never received payment ( there on breech lf the contractual obligation ) and from XXXXXXXX XXXX XXXX XXXX XXXX ( the merchant/ promotor )
Product: Credit reporting, credit repair services, or other personal consumer reports

CBNA PULLED CREDIT INQUIRY WITH TRANSUNION XXXX XXXX ON XXXX and XXXX. I did not authorize neither of the inquiries pulled on my TransUnion consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute Department : According to the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify trough the physical verification of the original signed document contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in fraudulent account, I expect to see an original proof of the accounts that I am listing below. Your failure to verify these accounts may hurt my ability to obtain credit, under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Please verify and remove the following immediately : XXXX : XXXX XXXX  XXXX XXXX XXXX : {$820.00} comments : Not Mine XXXX XXXX XXXX  XXXX XXXX XXXX {$1200.00} comments : Not Mine XXXX XXXX Balance : {$1300.00} comments : Not Mine XXXX XXXX XXXX XXXX Balance : {$490.00} comments : Not Mine XXXX XXXX XXXX XXXX XXXX : {$19000.00} comments : Not Mine XXXX XXXX XXXX XXXX Balance : {$2400.00} comments : Not Mine XXXX XXXX  XXXX XXXX Balance : {$10000.00} comments : Not Mine XXXX XXXX XXXX Balance XXXX {$1100.00} comments : Not Mine XXXX : XXXX : XXXX XXXX  XXXX XXXX XXXX : {$820.00} comments : Not Mine XXXX XXXX XXXX XXXX Balance : {$1200.00} comments : Not XXXX XXXX XXXX Balance : {$1300.00} comments : Not Mine XXXX XXXX XXXX XXXX Balance : {$490.00} comments : Not Mine XXXX XXXX  XXXX XXXX XXXX : {$19000.00} comments : Not Mine XXXX XXXX XXXX XXXX Balance : {$2400.00} comments : Not Mine XXXX XXXX XXXX XXXX Balance : {$10000.00} comments : Not Mine XXXX XXXX XXXX Balance : {$1100.00} comments : Not XXXX Equifax : XXXX : XXXX XXXX XXXX XXXX XXXX : {$820.00} comments XXXX Not Mine XXXX XXXX XXXX XXXX Balance : {$1200.00} comments : Not Mine XXXX XXXX Balance : {$1300.00} comments : Not Mine XXXX XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX Not Mine XXXX XXXX XXXX XXXX XXXX : {$19000.00} comments : Not XXXX XXXX XXXX XXXX XXXX Balance : {$2400.00} comments : Not Mine XXXX XXXX XXXX XXXX Balance : {$10000.00} comments : Not Mine XXXX XXXX XXXX Balance : {$1100.00} comments : Not Mine
Product: Credit reporting or other personal consumer reports

I've noticed Top Line Reporting rental agreement on my report, account number XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX NY XXXX or XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX NY XXXX ( XXXX ) XXXX which looks like it was opened in XXXX of XXXX. This was the time I rented an apartment from a rental company. I've never was informed of this company, I've never signed up for this company, I did not opt in to anything nor have a wet signature for XXXX XXXX. My rental company must have sold my information, opened an account without my knowledge nor consent. I was not aware of XXXX. How did they have a direct relationship with me? Where did they get my direct information from? This is a cause of Identity Theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have contacted Credit Bureaus on numerous occasions to have a number of inquires removed and outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.
Product: Checking or savings account

The reason that I am complaining to you all is that Wells Fargo bank is taking advantage of people that are on a fixed income just like I am I am XXXX and I am struggling just like the other consumers that trust Wells Fargo bank will help me to become financially stable and to no avail has helped me to become financially stable and has taken advantage of all other consumers and opening up fake accounts and forging names with out the consumers consent and sharing the consumers information with out the authorization with out the consumers permission. And Wells Fargo bank has even got sued for taking advantage of people that are banking with Wells Fargo bank. These banking institutions should help the consumers by allowing the consumers to this institutions should be able to provide vital information to the consumers and not to be well informed about the late fees in some cases these banking institutions are not being informed of the hidden fees. In which Wells Fargo bank has failed to do so. I have been told by the men that works with Wells Fargo bank that he is not the one or whatever a person is dealing with family issues should by any means take it out on the consumers. And for whatever a person is dealing with at their house should never bring their families problems to a professional environment and taking their families issues out on the consumers by any means. This always happens to me and other consumers as well. And this has always happened to to people that are struggling just to make ends meet. And all of these things needs to be stopped.
Product: Mortgage

Mortgage company failed to pay my homeowners insurance from available escrows funds on time resulting in cancellation of insurance
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 XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

This is not mine : XXXX Inquiry added on XX/XX/2020. 

Also I've never had any account with XXXX XXXX.
Product: Mortgage

Purchased a home XX/XX/XXXX financed thru XXXX XXXX XXXX. I suffered multiple hardships throughout XX/XX/XXXX and in XX/XX/XXXX, I requested hardship assistance from GMAC regarding my mortgage because I was struggling financially. Instead of helping me, GMAC started the foreclosure process against me in XX/XX/XXXX. After months of anguish and worry that my children and I would soon be displaced and homeless, GMAC decided to walk away from and rescinded the foreclosure process. In XX/XX/XXXX, GMAC approved a loan modification for my mortgage. However, GMAC inflated my mortgage balance and extended the term of the loan to XX/XX/XXXX effectively keeping me in the poor house while they get richer from exorbitant interest charges over a longer loan lifetime. 
Original mortgage XX/XX/XXXX = {$130000.00} Reaffirmed during Bankruptcy XX/XX/XXXX = {$120000.00} Mortgage balance as of XX/XX/XXXX = {$110000.00} Someone please explain to me how my principal mortgage balance decreased {$13000.00} within the first 5 years and has only gone down {$3400.00} in the subsequent 9 1/2 years?!!!
Product: Checking or savings account

Called credit bureaus Requested information be removed as I did not give them permission to share my information and since my personal information has been leaked in date breach
Product: Student loan

I was misled by the institution which as since closed from 2017 about getting a job when I graduate, and they didn't. When the loan was taken out, it was through XXXX XXXX. Then, it was transferred to another lender ( XXXX ), now Aidvantage. I don't know why I still have this loan. I deserve a loan forgiveness. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my credit and noticed the following inconsistencies which violate my rights as a consumer. The following charge off account listed with XXXX XXXX  XXXX CARD with the account number XXXX has the following inconsistencies and violations. I have attached with this complaint a copy showing all 3 credit bureaus side by side for your review. *The HIGH CREDIT is inconsistent across 2 credit bureaus. If all bureaus receive the same information from the creditor, there should be no inconsistencies. * *The LAST REPORTED is inconsistent across all credit bureaus. If all bureaus receive the same information from the creditor, there should be no inconsistencies. * *The late DATE LAST ACTIVE is inconsistent across all credit bureaus. If all bureaus receive the same information from the creditor, there should be no inconsistencies* *The DATE OF LAST PAYMENT is also inconsistently reported across all credit bureaus. This is also a violation* As you know, the aforementioned inaccuracies are a violation to my right as a consumer and also a clear indication that this information was NOT properly verified upon you receiving it. I have faith in this credit bureau to be an outstanding company and protect my rights under the FCRA. Please delete the account from my report immediately and send me an updated copy of my report with the reflected changes.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, a wire transfer of {$10000.00} USD was made from an account at XXXX XXXX  to a closed account at Bank of America under the name XXXX XXXX XXXX. The transfer was initiated by XXXX XXXX XXXX, without prior knowledge that the receiving account had been closed. 

Key details of the transaction : Amount : {$10000.00} USD Wire Reference Number : XXXX XXXX  Confirmation Number : XXXX Wire Transfer Identifier ( XXXX  ) : XXXX Transaction Reference Number : XXXX Both banks have provided conflicting information : XXXX Bank confirmed that the transfer was successfully completed, and the funds were sent to Bank of America . 
Bank of America initially indicated that the funds should have been returned to the originating account within 15 business days. However, as of today ( more than a month later ), the funds have not been refunded or deposited into the correct account. 
This situation is causing a significant financial inconvenience to both our client and us. We have contacted Bank of America multiple times, but we have not received a clear resolution. 

We kindly request the CFPBs assistance in investigating this issue and ensuring that the funds are either refunded to the original sender or redirected to the correct account.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY IDENTITY WAS STOLEN, I'VE BEEN LIVING IN XXXX, NORTH CAROLINA FOR THE LAST 10 YEARS. MY ADDRESS AT THE TIME OF THIS INCIDENT WAS XXXX XXXX XXXX XXXX, NORTH CARLINA XXXX.
Product: Checking or savings account

On XX/XX/XXXX I called my bank, Chase to report my card lost and stolen. 
I spoke to a gentleman and advised him that I could not find my debit card since XX/XX/XXXX around noon after I pumped gas at XXXX XXXX. 

I advised him that I went to XXXX XXXX and tried to use my debit card, but after 3 tries, I had to go inside.The cashier had to slide my card inside because it was not working outside. I advised the Chase rep that I must have dropped my debit card there because when I looked at the charges they were from the stores around the area of the gas station. 

The Chase rep went over all the charges with me and he sent in disputes on items i did not recognize and granted temporary credit. 

I called Chase on XX/XX/XXXX and asked why the charges were reversed back to me. The Chase rep said that it was inconsistent as not all items were disputed. I told her that I was not familiar with all of them so I did not want to dispute something that could be mine because I know that sometimes charges does not always reflect the same day. 

I requested for the claim to be reopened, but the Chase rep said she couldn't without proof. I asked her what proof did she want. Chase rep said " Nothing you can give to prove this '' ( somewhere along those lines ). I told her " I know '' how would I prove this. Do you want me to get a police report? ". I requested to speak to a manager, after being placed on hold she came back and said someone will have to call me back within 1-2 days. 

This is not fair. I did not do those charges. I have never filed a dispute with Chase except one with XXXX when I told them that my card was charged after it declined the first time ( my husband then used his card ). 

I have left XXXX after they opened a Savings account in my name ( Lawsuit they were in ) I have recommended Chase to all my friends and family and my mom 's business thinking this was a better bank, but I can see that Chase is not about helping their clients at all.