23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Barclays Bank Delaware partial account number # XXXX is on my credit reports. This account isnt mine and they are violating several of my rites according to the FDCPA. They even gave another company my personal information that I didnt give them in the first place which is another violation of my rites according the FDCPA. They arent in compliance with any of the laws according to FRCA OR FDCPA. I asked for this to be verified and they still havent but yet still reporting it which is another violation.
Product: Credit card or prepaid card

I graduated from a secured card in XX/XX/2023 to unsecured card. I had a {$300.00} deposit that was supposed to be refunded to me after the XXXX month payment/billing cycle via their advertisement and website. The alleged paper check for {$300.00} was sent usps and was never received. I had to wait another 30 days for the to " cancel '' the check I then recieved mail of the voided check within a few days. Because of this I became suspicious if an actual check was sent from the beginning. I then called on XX/XX/2023 requesting my deposit again since it was past the 30 day time frame. I provided my checking and routing number and was advised by the rep my deposit was going to be XXXX refunded immediately the bank account I provided is the same my monthly payments are withdrawn from and saved to my Discover portal. Today is XXXX I have called Discover 3x just to get the run around and a rep told me that a " stop check payment '' was put on XXXX I have no idea what she was referring to. I was advised that they would need another 24-48 to follow up with me that another department had to be contact. I have wasted hours of my time as well as it has been very distressing going back and forth with this company when I always get different answers and no one is resolving the issue. Please help, thank you.
Product: Credit card

I sent certified mail on XXXX XXXX With a requst to remove a account XXXX XXXX XXXX Account number : XXXX Balance : {$11000.00} Date opened : XX/XX/year>, it was a removel letter and a FTC report they did not include on my file a copy of my driver license and ssn card.I disputed the same account with XXXX and XXXX they fix the problem. I believe Exerian are acting in bad faith, and have not complied with the Fair Credit Reporting Act they hiding information that has been sent in. I have maintained careful records of there actions.
Product: Payday loan, title loan, or personal loan

Im am currently recovering from an unexpected financial hardships and I cant afford the payments on this payday loan. I am also working with a credit repair company to improve my credit report, including terminating this payday loan with SpeedyCash in the amount of {$2100.00} due to the aforementioned and furthermore the age of this account, being opened on XX/XX/2018. In addition this account shows to meet the FCRA requirements.
Product: Credit reporting, credit repair services, 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 Account number:XXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX Account number:XXXX Account name : XXXX 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 information is inaccurate.
Product: Debt collection

I was a employee of a corp that im no longer of. company obviously stopped paying card. XXXX is putting on my credit. Sid im not owner. Asked them for copies of application showing me as personal guarantor. No response. They started investigation but have heard nothing. They keep reporting past 120 on my report damaging me from moving forward in my business ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT # XXXX. 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 you responsible for your tenacious rebelliousness. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX 1 ) reported my account as late unlawful 2 ) held my accountable for unfair practices, why report me as late for {$1.00}, when the car note for over {$500.00}?

3 ) poor communication, I was never made aware of the ramifications of leaving {$1.00} on my account nor did i receive a follow up in writing At then end of my loan, I called XXXX XXXX dealers services on XX/XX/XXXX to pay off the principal balance on my loan. The only outstanding balance would be late fees. I was informed by XXXX XXXX that due to system limitations, because there was late fees remaining their system requires that a {$1.00} principal balance remain on the account. My online account payment history showed the due date from that point as XX/XX/XXXX. The last and final payment was made on XX/XX/XXXX. This is within 30 days of the calculated due date ( XX/XX/XXXX ). 

However, after receiving notification from the credit bureau it came to my attention that i was reported as 30 days late by XXXX XXXX because of an outstanding balance of {$1.00}. I submitted a correction through my Experian channel and nothing was fixed. 

I proceeded to check my account online payment history and noticed that my due date was adjusted from XX/XX/XXXX to XX/XX/XXXX. I never requested this adjustment and I was never informed verbally nor in writing that 1 ) my due date would be adjusted and 2 ) a {$1.00} balance would be reported to the credit bureau as a late payment. Also, recorded phone conversations note XXXX XXXX confirmed that they do not report to the bureau for late fees. Also, phone conversations with XXXX XXXX note that the {$1.00} principal balance was required because of their system NOT because I ( the customer ) requested that it remain. 

Working with XXXX XXXX executive off I submitted a case for Account number ending in : XXXX, case number : XXXX. On XX/XX/XXXX, XXXX XXXX Executive office informed me the correction to my credit report not be removed ( even though its unlawful ). The credit department rejected my request twice. They have choose to ignore that a {$1.00} balance remained on my account because their system required this to 'keep the account open '. Had a know that this {$1.00} balance would cause an unlawful reporting that they dont want to correct, I would have satisfied the entire balance on XX/XX/XXXX. Also, I was never told my due date was modified without my knowledge or consent. Had i know this, I would have satisfied the entire balance on XX/XX/XXXX.
Product: Credit card

Elan Financial fraudulently opened a credit card account in my name. I made Elan Financial aware of this on XX/XX/2016, and an investigator has still not been assigned. No information has been forth coming from Elan Financial. Their records show return phone calls were made, but they were not, they are lying in their own records.
Product: Checking or savings account

On XX/XX/2018, XXXX XXXX XXXX deposited two checks in the amounts of {$670000.00} and {$82000.00} in the incorrect account at JP Morgan Chase located at XXXX XXXX in XXXX, NJ. The checks were made payable to XXXX XXXX XXXX Living XXXX. One came from an attorney trust account and the other from an escrow settlement account from a title company. The checks should have been have been deposited in XXXX XXXX trust account with XXXX XXXX. 

The teller accepted the checks and deposited them in the JP Morgan Chase account. ( See attachments. ) A letter dated XX/XX/2018, and received nearly a week later from JP Morgan Chase indicated that the account was blocked and will be closed ( see letter attached. ) In addition to not enabling XXXX XXXX to have access to the 2 checks that were erroneously deposited, JP Morgan Chase also pulled from the account and disabled access to {$33000.00}. Due to this action by the bank, two checks written against the account bounced. 

XXXX XXXX went to the bank and the manager of the branch contacted the home office and was told that we should open a trust account at JP Morgan or to contact the people who wrote the checks and have the checks recalled. 

XXXX XXXX contacted the bank ( see letter attached ) to ask that the funds be forwarded/transferred to them since the trust account where they should be deposited was held with them. JP Morgan Chase refused to do so and reiterated that XXXX would need to open a trust account with JP Morgan Chase. 

XXXX XXXX went back and forth with JP Morgan Chase numerous times. As of Wednesday, XX/XX/XXXX JP Morgan Chase indicated that they mailed back to XXXX a check for {$33000.00}, though that has not yet been received as of today, Friday, XX/XX/2018. At the same time, XXXX XXXX was forced to open up another trust account with incurred attorney fees in the amount of {$300.00} in order to get access to the two checks deposited in error. JP Morgan is transferring the amounts of the two checks -  {$670000.00} and {$82000.00} and allege that the money will be in the account by next Wednesday, XX/XX/2018. Additionally, the money will lose significant interest in JP Morgan as opposed to where it should be residing at XXXX XXXX and, when asked, the branch manager for JP Morgan in XXXX, NJ indicated that she did not know if or when well be able to pull the money out to put back into the account it should be in at XXXX XXXX.
Product: Checking or savings account

I attempted several times to make a purchase for {$2500.00}. I had well more than what was needed to make the purchase available. The transaction was declined the first time. I called Wells Fargo and verified the last 10 transactions and confirmed my identity through various checks and was told I could now make the purchase.

I tried to make the purchase again and it was declined. I went through the same process as above and was told I can now make the purchase. This happend 4 times. Finally after being on hold for 25 mins, I was transferred to fraud protection.

Fraud Protection told me, after verifying my identity ( which included a question I accurately answered about a car I owned 25 years ago, what items I was purchasing and why ) that they could not remove the security hold and that I had to go to a branch to make this purchase. They said that I had no history with this merchant. That is patently false as I made a purchase with this merchant as recently as last month. Last month they removed the security setting so that I could make the tranx and then put it back on.

I 've gotten multiple hold on this account almost weekly even for purchases as small as {$50.00}. In this case they would n't remove the security settings. I called back again, verified my identity and was told I could make the purchase. In fact, the purchase still wo n't go through. At this point, I lost the sale, ie. the items are no longer available.

The bottom line, they refuse to let me spend my own money even after verifying my identity to their satisfaction according to their own criteria. I had this account for many years with no problems caused by me ( no over drafts, etc ) and they still have the tighest security on it.

Please help. 





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Product: Money transfers

Unable to purchase goods online. Using Paypal is the only allowed vehicle. Can not enter my credit card information without using this service. They have a XXXX. I have verified my information with Paypal numerous times, they still deny me.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I sent two transactions through cash app to a, XXXX XXXX XXXX. The amount thats was sent was XXXX transaction of XXXX XXXX  and one for XXXX XXXX The exchange was supposed to be for a part to fix my car. ( A driveshaft ) After I sent the money XXXX stopped responding and my package never came. I have all the messages for proof and my bank keeps telling me that since it was an authorized transaction made on cash app, that they can not do anything. 

I paid for a product I never received. I have this mans whole name. There has to be some way to get my money back. Right? 

This is really unfortunate and this is my last chance of hope
Product: Student loan

Navient keeps giving my wife the run around about providing supporting documentation for her IBR request. They rejected her request FIVE times, each time saying there was no indication of how much of my income was taxable, which is completely false. On EACH of the supporting document, in big bright red text it says how much is taxable. It's completely ridiculous.
Product: Debt collection

I used to have insurance with progressive and then I got a cheaper rate so I cancelled them but the didnt canceled and kept it on and called multiple times to get it turned off but they never did and now they are charging me for something I didnt want. They are charging a lot of people for wrong reasons. Firstly they said I owed them {$1000.00} and then when I called disputed that they still charged me this amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have complained to Equifax and CFPB on multiple occasions regarding being locked out of online disputes and access to my credit report. Even when the questions are answered correctly, I am blocked from accessing my report online to complete disputes.
Product: Credit reporting

i have a on my account a credit card account that was part of my bankruptcy and it should have gone a way but its is still reporting and it is reported as closed the card is XXXX the last time it has reported XXXX XXXX so it goes buy this when it should have been gone XXXX XXXX XXXX
Product: Debt or credit management

Beyond Finance, should be prosecuted for financial misrepresentation. They contacted me with an offerto consolidate all ofmy card debt and repay them at a lower rate. I solicited the method for this service. They offered to have Beyond Financereceive my monthly payments and after I missed paying for a few months they would approach the debtor and offer to settle the debtin distress ; clearly it was a scam on the debtors and myself and refused to sign any client agreement. A few weeks later my cards and accounts were being canceled for non-payment as Beyond Financehad contacted them and told them that they were representing me and would take over payments.I explained to the debtors that I could reach the scope and malice of their skeem. I did not reach everyone. I would appreciate it if you post this explanation on my record and welcome any fiscal agency to contact me if I can be ofassistance. 
I appreciate your help XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I sent my FTC Report, my state drivers license ( for identity purposes ) to XXXX, Equifax, and XXXX. I followed the steps for reporting identity theft as stated with to CFPB and the Police Dept also with my State Attorney 's office. I will be filing a civil suit for reporting inaccurate information on my consumer report. Which is a {$1000.00} per violation.
Product: Debt collection

on XXXX i sent an Estoppel by silence letter to Fair Collection Outsourcing ( FCO ). to this day they failed to removed the alleged debt. I am seeking monetary damages for violations. Under 15 U.S code 1681b permissible purposes of consumer reports, I never gave FCO any written consent to report anything on my consumer report. No consent is identity theft. As a consumer by law this account must be deleted immediately. thanks!
Product: Credit reporting or other personal consumer reports

XXXX admitted that my wet signature was unavailable yet they continue to have this on my credit report.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. I have already contacted the Federal Trade Commission and filed a complaint # XXXX. I kindly request that you block and eliminate all information from my credit report and provide me with an updated copy of it in accordance with FCRA 605B ( 15 U.S.C. & 1681 c-2 ), which mandates the removal of these accounts within 4 Business Days of receipt, I urge you to block and remove all information related to Identity Theft. 1. The following account is not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX Moreover, in accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I am demanding actual proof that the information was verified, rather than a computer-generated confirmation. Please provide the following : 1. The names and business addresses of each individual with whom you verified the information above, so that I can follow up. 2.The date on which you contacted the individual information furnishers. 3.The method of communication used to verify the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my report and noticed a late report from OppLoans. I suffered from XXXX and was out of work for a few weeks. I also had a short stay in the hospital around the time the bill is normally due. Due to my illness I totally forgot to pay the bill. However as soon as I remembered, I took care of it. My bill had not ever been late prior.
Product: Credit reporting or other personal consumer reports

I viewed my consumer report and seen things I did not authorize and also noticed multiple things reporting inaccurately and asked them to investigate this but they still haven't fixed this problem. 
XXXX XXXX XXXX  XXXX. Dispute ID : XXXX, ACCT # : XXXX XXXX XXXX XXXX  XXXX. Dispute ID : XXXX, ACCT # : XXXX XXXX XXXX XXXX  XXXX. Dispute ID : XXXX, ACCT # : XXXX XXXX XXXX XXXX  XXXX. Dispute ID : XXXX, ACCT # : XXXX Claim : Illegal, Non-Consent, No Permissible Purpose and Inaccurate Reporting of Consumer Reporting Agency of ACCOUNT VERIFICATION WITHOUT PROPER DOCUMENTATION PURSUANT TO FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ; no written communication was given to consumer and no written instructions was given by the consumer to report to a third-party consumer reporting agency. Pursuant to Title 15 U.S CODE 1681b ( a ) ( 2 ) ; Request documentation showing where i signed a contract with your company KNOWINGLY, WILLINGLY AND INTENTIONALLY pursuant U.C.C. 1-308.4 ; Request documentation where i relinquished my rights. Pursuant U.C.C 1-308.4 and gave your company permission to report adverse information bearing my name.
Product: Credit reporting or other personal consumer reports

Due to identity theft XXXX XXXX has agreed to remove hard inquiry from my credit report and informed me that all three credit reporting agencies have been notified of this. 
XXXX and XXXX have honored this but TransUnion has failed to honor this and has refused to comply with this request.