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

On XX/XX/XXXX my Barclays XXXX card was stolen from my wallet. I discovered my card was stolen when I received a fraud alert via text from Barclay 's concerning a purchase from XXXX XXXX. I interacted with your auto fraud line immediately to report theft. I called and reported the card stolen. 

When I received my statement I discovered an additional charge for XXXX on XX/XX/XXXX was made at XXXX XXXX shop. I filed a dispute via the Barclay website. The charge was not removed. I called and they said there was no record of a dispute. I called many more times to get the dispute filed and resolved. Each time they said there was no dispute, last time they asked for me to fax in a sworn statement. I faxed one in on XX/XX/XXXX. When I called 5 days later and asked for the status they said they received it but a dispute was not opened someone would call me back when it was opened. No one has called me back. 

The call center is obviously trying to circumvent the filing and resolution of a dispute. There is no avenue to speak to anyone who can resolve the issue. Barclay 's is intentionally subverting the investigation of fraud charges and abusing consumers. 

I have asked numerous times to speak directly to someone in their Fraud investigation department, they say I can't be transferred. They say they will request someone from Fraud investigations to call me back. No one has ever called me back. 

I do not have the funds to pay this fraudulent charge so they are assessing late fees and interest payments. Barclay has also reported me as being late on my credit report. 

I am now being charged late fees and interest for this card. I want the fraudulent charge, interest and late fees removed and my credit report corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, XXXX Genesis has attempted to collect a debt I do not owe on behalf of The XXXX XXXX XXXX - Unit XXXX - Reference : XXXX relating to move-out fees. I've retained legal counsel, XXXX XXXX of XXXX, TX, who sent his most recent certified letter to this company dated on XX/XX/XXXX, to halt any collections activities or reporting. Today, XX/XX/XXXX, my credit alerts indicated that this company has reported a collections to the three credit reporting agencies and has dropped my scores in the excellent range ( XXXX, XXXX ) which is down XXXX points due to their false collections reporting. They've violated my rights under the Fair Debt Collection Practices Act ( FDCPA ) and I want the collections permanently removed off of my reports as this is a matter that will escalate a lawsuit. Again, my attorney has sent XXXX XXXX XXXX certified letters several weeks ago and has since attempted to call them I responded to their collections letter to formally dispute the debt that does not belong to me and contacted them by e-mail on XX/XX/XXXX and identified the debt for {$1200.00} for move-out related expenses to include a XXXX  speaker system, cleaning fees, etc. which were are fees that I do not owe. I've never had any responsibility to any portion of this debt XXXX is attempting to collect, and I have evidence proving this since Ive documented everything via video of my move-in and move-out, along with e-mails to management, and sworn testimonies of gross negligence by XXXX malicious, incompetent managers which are attached as supplemental records. I've also attached my FICO scores to include XXXX and Equifax from XX/XX/XXXX to XX/XX/XXXX. As you can see, my XXXX FICO XXXX score dropped to XXXX and I've yet to see the damage this company has done to my XXXX FICO score due to their negligence and lack of due diligence and responsiveness. I've also included my formal statement and exhibits.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute Under 15 USC 1681i ( 5 ) Request for Investigation and Correction To Whom It May Concern, I am writing to formally dispute an inaccurate item on my credit report, as provided under my rights outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( 5 ). This section of the law requires credit reporting agencies to investigate disputed information and promptly update or delete items that can not be verified or are found to be inaccurate. 

The disputed item is as follows : Account Name : [ XXXX XXXX XXXX XXXX ] Date Listed : [ XXXX. XXXX, 2021 Under 15 USC 1681i ( 5 ) ( A ), any item that can not be verified as accurate must be promptly deleted from my credit report. I request that you conduct a thorough investigation of this matter and provide me with the following : Verification of the Disputed Item : Evidence confirming the accuracy of the account information.

Correction or Deletion : If the item can not be verified, it must be corrected or deleted from my credit report as required by law.

Notification of Results : Written confirmation of the investigation results, including an updated copy of my credit report reflecting any changes made.

Please respond to this dispute within the legally mandated 30-day investigation period. Failure to comply may result in further action to enforce my rights under the FCRA. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX
Product: Credit card

i wrote a certified letter to Kay Jewelers in XXXX XXXX asking them for any information and documentation proving the chargeoffs and lates for account ending in XXXX and they responsed in a letter to me they sold the account, it is no longer owned by them.and they have no info on me- they sold the account XXXX XXXX sent this letter to XXXX and XXXX in XXXX XXXX asking them to delete the account because they have no documentation to prove this alleged debt then.XXXX, XXXX put in a dispute and kay jewelers responded to the disputes stating it was accurate and to leave it on my credit report. i have disputed this account many times with XXXX, XXXX and each time kay jewelers states it accurate. IF this account is accurate then why cant they produce documentation to me. they have violated my rights under the FCRA also they stated they sold it in XXXX then why have they updated my credit reports charge off and lates as recent as XXXX XXXX XXXX each time they update it makes it seem like a recent chargeoff and my score goes down.
Product: Debt collection

I recently received in the mail a letter from Loancare LLC stating that they are now in possession of my Mortgage. My currant mortgage company is XXXXXXXX XXXX in which I had a legally binding contact signed in person with wet ink. Upon logging on to the XXXXXXXX XXXX website I noticed that Loancare is not affiliated with XXXXXXXX XXXX ( see attached proof ). They are a company held by holding company XXXX XXXX XXXX who is also not affiliated with XXXXXXXX XXXX. As I login into my account I receive a message that my loan has been paid in full ( see attached proof ). As is my right as a consumer, I request that Loancare LLC validate this debt by providing me with a legally binding contract signed by myself in wet ink, or any contract signed between myself and Loancare LLC ( see attached copy of validation of debt letter ). The letter was sent by certified mail ( # XXXX ) and was received by Loancare LLC. I am ensuring that the CFPB is aware of the possible fraudulent request to collect on a debt, to insure the following. Loancare LLC does not attempt to affect my credit rating in any way, that collection on this debt is not expected in any form until proven valid, and that no additional charges are added if the debt is determined valid. Loan number for XXXX XXXX XXXXXXXX.
Product: Money transfer, virtual currency, or money service

CoinBase 's transfer to a FRAUD SCAM Brokers : XXXX I would like to bring your attention to a serious issue I have with CoinBase wires that first took place on XXXX of XX/XX/2019. 

I have been victimized by a multilayered scam operation orchestrated by XXXX - the Company. 

The funds were transferred utilizing CoinBase 's services in the total amount of XXXX EUR! 

I would also like to point out that on XXXX of XX/XX/2019 - I filed a dispute with CoinBase
Product: Vehicle loan or lease

I got a loan through Flagship credit acceptance for a car. My fault I was late the first payment. They were to send me a payment slip each month to make future payments. They never sent them on time and made my payment late a couple of times. We have since got that straight. They still claim I was late when it was their fault. I have not been late since. I disputed this on my XXXX  credit report. They looked into it and took flagships ' blanket response that they certified all was correct and flagship was blameless. This seems very wrong and lazy on both parties part and I am the one whose credit suffers for it. Why is it so easy to wrong someone yet it is that person 's responsibility and time to seek remedy. This is the only smirch on my record and hurts my FICO to the point I can't buy a house or refinance that miserable 12.9 % loan from flagship. Everybody wants to lazily accept a canned response and throw me under the bus. Help!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. Capital One has violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604A Section 2 also states that a consumer report agency can not furnish and account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Debt collection

TFC Credit Corporation, has contacted me concerning a debt of {$2700.00} in which I don't owe. # XXXX is supposed to be my account number, I was told the said contract began on XX/XX/2021. I did not sign any contract nor was I active in any school at that time. I have called TFC and requested a copy of contract, they stated it was sent to me. However, I haven't received any as of yet. 
On XX/XX/2021, the above claim of debt was placed on my credit report, lowering my credit score. I am also experiencing repeated collection calls for this debt in which again, I do not owe.
Product: Checking or savings account

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX PH :. XXXX PH : XXXX EM : XXXX  XXXX XXXX  XXXX XXXX  XXXX Date of Birth XX/XX/XXXX SS # : XXXX TO : * Consumer Financial Protection Brueau * Department of Veteran Affairs, Office of the Inspector General My name is XXXX XXXX XXXX, I dont and havent ever had a Bank of America Accounts. No Personal or Business Savings, Checking Accounts. No Credit Cards, Home Loans, Car Loans, nor Business Loans. Nor have I ever Co-signed for anyone or applied on behalf of another person for such accounts. Nor have I ever authorized anyone to apply for such accounts or Education Loans for me. Im NOT responsible for payment of such accounts ; not even for my children. Im not and I havent ever been married. 
Thank you, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Zelle said within minutes and it took hours the last time I was stranded and my mom sent me close to {$300.00}. It never helped. It came the next morning. This was in the beginning of XXXX
Product: Debt collection

XXXX XXXXXXXX keeps contacting and harassing me. They are a 3rd party debt collection agency. One debt is for XXXX and the other debt is XXXX. I do not owe them any money. I filed an Identity theft report and locked my credit report years ago. This debt was with Lvnv and shouldve been removed form my credit report. when I checked its not on there. What gives them the right to come to me 15 years later and say I owe them money. 

I dont want them contacting me again the debts are not mine and not theirs to collect on. 
This is wrong and not fair to me. So before they go lying Im filing this complaint. I ve filed with them online letting them know I dont owe them any money Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I default on a second mortgage with XXXX XXXX to move to XXXX AL where my wife could receive treatment for XXXX XXXX XXXX, a XXXX XXXX XXXX. The Second Mortgage started out as a construction loan for us to do a major remodel, additions and improvement to lake access from the property. XXXX XXXX had agreed to roll the construction loan into a refi of my V.A. Mortgage to include the First Mortgage and Construction Loan. I told the Loan Officer before we started the Construction Loan that I had XXXX XXXX XXXX. I informed the loan officer and bank project monitor that I wanted the senior officers of the bank to evaluate the detailed Remodel/Addition/Facilities Improvement Plan, that was prepared by my XXXX Y.O. Son, myself and the contractors I was to use on the project to determine, if this work would be an appropriate use of the money the bank was providing to me. I discovered at the end of the project that no one above the loan officer saw the plan. The interest second mortgage was 7.99 % for 60 months then reverting to an adjustable rate mortgage. I discovered at the end of the project that the bank did not even do V.A. Loans. I also found that the bank had reported false information to the major Credit Bureaus on the construction loan that was to be interest only, that I had failed to make P & I payments. In short the bank later their Agent In Fact, an attorney, lied from beginning to end.
Product: Debt collection

Doctor billed the incorrect amount and after I refused to pay the incorrect amount, they sent to collections and is now on my credit report as an adverse account. The doctor has verified with my insurance company that the wrong amount was billed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX hard inquiries on my credit report. Out of the XXXX there are XXXX that are accurate. I did not authorize anyone to check or approve my credit. I have contacted the companies and I was told multiple times to contact the credit bureau, identity thief or someone else. No one has fixed it. I need these XXXX hard inquiries gone as fast as possible. I am trying to purchase my first home and I need my credit score to be in good standing or constantly increasing. Like I mentioned before there are XXXX inquiries XXXX XXXX, and XXXX XXXX that are accurate. But the remaining XXXX are fraudulent inquiries of some who tried to use my name to get credit cards or a co-signer or get a vehicle. 

The XXXX fraudulent inquires are : XXXX XXXX, XXXX XXXX, XXXX XXXX. I have a XXXX  XXXX card, that is the only credit card I own, and I 've never tried to get a XXXX card. I currently have a vehicle that I 'm not trying to replace so I 'm not sure where this XXXX and XXXX XXXX came from. Fraud!!!! I need someone to take care of this problem and remove these fraudulent inquiries off of my credit report.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I demand that you uphold the provisions outlined in the Fair Credit Reporting Act, which gives me the right to dispute any inaccuracies present in my credit file. As a conscientious consumer, I view this issue with great seriousness. However, I am gravely displeased by the unjust accusations of delinquency and detrimental data on my report, all of which are unfounded. I hereby formally request that you furnish substantiating proof for the adverse status attributed to my accounts. You must adhere to the stipulations requiring the thorough verification and documentation of all data before its use by creditors. I am disheartened by the apparent lack of due diligence on your part and urge prompt remedial action on this matter. I am imposing a deadline of 30 days from the issuance date of this communication for you to address this matter. I anticipate receipt of tangible evidence of your efforts and an updated credit report. Should these allegations prove baseless, I insist upon accurate and validated information for each assertion, failing which, I will promptly request their removal. 

Listed below are the Personal Information that are being challenged : Employer - XXXX XXXX Incorrect Previous Address : - XXXX XXXX, XXXX XXXX, XXXX Employer - XXXX XXXX XXXX Employer - XXXX EMP Incorrect DOB : - XXXX Incorrect Current Address : - XXXX XXXX XXXX, XXXX XXXX, MI XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Unable to have XXXX, Equifax, and XXXX ( XXXX XXXX ) update my credit reports for creditors XXXX XXXX XXXX XXXX ( credit card ) and XXXX XXXX XXXX XXXX ( auto loan ) to current and correct data. I have disputed these creditors at least four ( 4 ) times in the last three ( 3 ) months. They keep sending me credit report updates that state, " Results : DISPUTED INFORMATION UPDATED ; ( OR ) DISPUTED INFORMATION UPDATED AND OTHER INFORMATION UPDATED. '' After reviewing credit reports, the information is still unchanged. 

The following creditors have been disputed with NO updates on credit reports : Creditor 1 : XXXX XXXX  XXXX XXXX XXXX ; Dates disputed : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. 
Dispute : XX/XX/XXXX and XXXX XXXX payments not " 30 days late. '' ( Actually confirmed with XXXX XXXX XXXX XXXX XXXX that they ARE NOT late. ) Creditor 2 : XXXX XXXX XXXX XXXX ; Dates disputed : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. Dispute : Data entry is not current/correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to remove a fraud alert to purchase another home for almost 2 years. I keep getting transferred to a women who has never returned my calls for almost two years. No one in consumer affairs or customer service can access my report due to error 323. Even the fraud team transferred me today to this litigation women. I have given up a few times. Can someone officially remove the fraud alert that has effected me with my online accounts with XXXX  and transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX # XXXX and XXXX - XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX has violated my rights. 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 can not furnish a account without my written instructions.
Product: Vehicle loan or lease

In XXXX and needed a XXXX so I went to XXXX XXXX of XXXX Illinois and had a deal on a XXXX XXXX XXXX all contacts were signed and was told once I drive it off the lot is no longer there problem a quote from the person in finance. Now we have a problem now they want more info and now they want a CO applicant when one was never needed before. I believe I'm an being discriminated against for being XXXX. I was always under the assumption that once the contract is signed the deal is over now they are telling me different. I can afford the payments on this XXXX I don't know what the problem is. It's my belief they misrepresented themselves from the start.
Product: Credit card or prepaid card

Back in XX/XX/2022 I received a bill which I called in to make payment ( At the point of call it was officially late ). I paid the bill over the phone in full and moved on. In XXXX I received a bill again stating I was late. I found that odd since I had paid in full over the phone. So I reached out to XXXX  on XX/XX/XXXX and spoke with XXXX a supervisor at XXXX I requested for me to completely pay off account, remove a late fee and close out the account. I specifically asked if there will be any additional fees the supervisor advised there would not be. I remember specifically asked numerous times and yet I again received a bill for {$4.00} I want this fee to be removed to close out my account officially and stop marking my credit report as late
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XXXX, Transunion, XXXX and XXXX XXXX my credit has gone down due to 2 payments of {$35.00} each and today one payment of {$41.00} it says on XXXX XXXX not made to XXXX. I havent even gotten my XXXX card yet. Ive called them twice before and again today. They claim to fix my balance and report that to the credit bureaus.but not has changed and Im fact gotten worse. My credit dropped XXXX points today with the reporting of {$41.00} by XXXX and in the comments even states that they havent received the first payment. Ive called XXXX and XXXX who both say they see no balance because one is not even due. Which would be correct since I have not received my first card on that account yet. But my credit score definitely dropped XXXX points because of it. I disputed it with Transunion and their investigation concluded that IT WAS VALID AND I AM RESPONSIBLE FOR THIS DEPT that according to XXXX does not exist. I know its confusing.
Product: Mortgage

On XX/XX/XXXX, I inquired by phone from my loan servicer Freedom Mortgage as to who financially backed my loan. XXXX : Teller ID # XXXX confirmed that our mortgage was backed by XXXX XXXX XXXX  XXXX. XXXX XXXX. After reviewing the forbearance option for a loan backed by XXXX I decided to request a Mortgage Forbearance with the understanding that the missed payments would be added to the end of the loan and no penalties or negative reporting to the credit agencies. I extended the Forbearance after to 6months to a total of 12months which expires on XX/XX/XXXX. Last week I called and spoke to a teller at Freedom Mortgage explaining I was ready to start making my regular monthly payments prior to the Mortgage Forbearance and verify that the missed payments would be added to the end of the loan. He put me on hold for a few minutes and came back to tell me that our home mortgage isnt backed by XXXX. I questioned how I was told the opposite of that 1 year ago, by the teller referred to in the conversation on XX/XX/XXXX. He did state that he saw notes in my file regarding the request for confirmation back on XX/XX/XXXX. But had no explanation as to why it isnt a year later. Now, Ive been presented with a documentation package to complete and was told the lender will decide what they want to offer me to avoid foreclosure.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX Amount : XXXX $ ( XXXX XXXX coins, XXXX XXXX and XXXX $ from bank account ) I went and searched XXXX on XXXX. XXXX search gave suggestions of XXXX. The first link was a AD Link and i went on a clicked on it. 
As XXXX and Coinbase XXXX and have same user details. All the corresponding pages came as usual as login. 
1 ) Coinbase OATH page for username and password 2 ) I entered the username and password next page was 2FA authentication enter the 2FA.

3 ) Got a message saying its taking longer time as XXXX  servers are down.

4 ) Later got page saying first time login you have to authorize the page. Click here to access your account 5 ) i clicked the link and enter my email details later got error try after 24 hours. 

My account was spammed and hacked. 
I had XXXX XXXX coins and XXXX XXXX in coinbase and 4 XXXX coins in XXXX. 
and My bank account was linked to coinbase. Hacker took XXXX  worth XXXX $ and has transfer to unknown account. 

I reported this issue to coinbase with in two hours. I would have done much earlier but wait time was more for coinbase support. 

The support team said they will investigate but till now i have n't seen any response and even my coinbase account is locked and have called many times still no response. 

Informed XX/XX/XXXX XXXX XXXX that the transaction is not authorized and requested for a claim as my debit card has XXXX $ liability.but they came back saying the transaction is legal as i have done this transaction earlier. Have reopened a case and have send all the attachments.
Product: Credit reporting or other personal consumer reports

These recent late payments are inconsistent with my usual payment history.