23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX, Barclay closed my Barclay Arrival MasterCard account and sent a letter indicating the following : " We have recently conducted a review of our accounts. Following this review, we regret to advise you that we are unable to maintain an account with you because of your history of account usage. Your account has been closed in accordance with the terms and conditions of the Cardmember Agreement that governs your account. '' Upon receipt of this letter, I called Barclay 's on XX/XX/XXXX and spoke to a manager XXXX XXXX XXXX. I asked him for the reason why my account was closed without any warning and he basically just repeated what the letter had stated and that he could not provide any more details. I stated that I had XXXX Barclay Arrival points in this account that I can no longer access because the account is now closed. The manager stated that there was nothing he could do to get those points to be credited back to me. These points are worth approximately {$3300.00} if they are redeemed towards travel expenses XXXX hotels, airfare, etc. ). I have been a Barclay 's credit card customer since XX/XX/XXXX, and I am unhappy with the way that they have closed my account. I would have appreciated if Barclay 's had at least notified me about what I had been doing that was unsatisfactory, so that I could have avoided being closed. Instead they closed my account without any warning.
Product: Bank account or service

Bank of America failure to reverse illegal deductions from account that had money removed by unauthorized person. Use of my ATM Bank of America card was skimmed by a criminal and they stole money from my XXXX account. Bank of America indicated I would need to wait 10 days for reversal of funds, or longer. This is an account for people on state XXXX, Bank of America will reverse for their own B OF A customer but not for a XXXX / XXXX account that was implemented by State of CA. These are accounts that are provided thru the banking institution of Bank of America and the recipient has no choice in the institution that pays them. Bof A bank should treat ALL accounts in the same FDIC protected manner. Someone on XXXX had no choice in the manner of getting payments in this form while out with illness, that is regulated by the State.
Product: Debt collection

I am writing to formally dispute items reported by TransUnion, XXXX and XXXX on my credit report that have not been validated as required by law. I have requested the process and documentation used to validate the accuracy of these debts on three separate occasions, and TransUnion, XXXX and XXXX have failed to provide this information while continuing to report these items on my credit file. According to the Fair Credit Reporting Act ( FCRA ), TransUnion, XXXX and XXXX are obligated to ensure that all information they report is accurate and verifiable. Their failure to provide me with the process or documentation used to validate these debts is a violation of my rights under the FCRA. All accounts must be deleted from my credit report.
Product: Checking or savings account

On XX/XX/2022 I moved {$500.00} from my XXXX XXXX XXXXXXXX XXXX account to my new Wells Fargo Savings account. The money was taken out of my account but at the same time my Wells Fargo account was closed. Wells Fargo said the money would return to my old account soon but it never did.
Product: Debt collection

company XXXX XXXX XXXX contacted me. My number is on the donotcall list. they must be collecting from someone named XXXX XXXX. The social security number and addresses they have do not match mine. They should not be allowed to look up my name online and call me on a phone number that is on the donotcall list just because I have the same name as the deadbeat they are chasing. Is it ok for them to do this?
Product: Credit reporting or other personal consumer reports

XX/XX/ 2023 asked why wasnt I notified never opened 3 accounts with company representative assured me nothing was reported and that was not true
Product: Credit card or prepaid card

I am writing today in regards to my account with Capital One account # XXXX. The reason for writing today is in regards to the late payment which is showing on my report in XX/XX/2020 and XX/XX/2020, due to Covid I was unable to make the payments. As soon as I was able to, I got my payment made and caught up.
Product: Credit card or prepaid card

On Friday, XX/XX/2021, I wanted to see if I prequalifed for a XXXXXXXX XXXX XXXXXXXX credit card. I clicked on the link for " see if you prequalify/ Get a decision in seconds with no impact on your credit score. '' It took me to page that says " See if you prequalify for a XXXXXXXX XXXX XXXXXXXX credit card! '' with a bullet that says " Prequalifying does not affect your credit score. '' So I inputted the last four digits of my social security number and phone number as requested.

What I did not notice is that the link sent to my phone said " only click the link below to complete your credit application. '' And then the application I was filling out was actually for the real credit card application, NOT the prequalification application. I called the customer service line and they said that I had filled out the real credit card application and that it will impact my credit score. I was denied the credit card and there is nothing they can do.

This process has been so frustrating and misleading. I was assured by the messages on the website that this would not impact my credit score and now it will. Synchrony is the company that handles the XXXXXXXX XXXX XXXXXXXX credit card application.
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. 

The following has has violated my rights : Account Name XXXX  XXXX XXXX Account Number XXXX Account Name XXXX XXXX  XXXX  Account Number XXXX Account Name XXXX  XXXX Account Number XXXX Account Name XXXX XXXXXXXX Account Number XXXX Account Name XXXX XXXX XXXXXXXX XXXX Account Number XXXX Account Name XXXX XXXX  Account Number XXXX Account Name XXXX  XXXX XXXX  Account Number XXXX Account Name XXXX XXXX  Account Number XXXX Account Name XXXX XXXX  XXXX Account Number XXXX Account Name XXXX XXXX  XXXX XXXX Account Number XXXX Account Name XXXX XXXX  Account Number XXXX Account Name XXXX XXXX  Account Number XXXX Account Name XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX  Account Number XXXX Account XXXX XXXX XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX XXXX  Account Number XXXX 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 card

No Morgan chase gave us XXXX cards which were sold to us as credit cards not paid in full cards when we started using them and learned they were paid in full we contacted our banker who did nothing They then put a XXXX payment hit on my personal credit file when these were company cards Then they closed the XXXX card and a separate credit card with no notice both cards were business cards
Product: Debt collection

PORTFOLIO RECOVERY bought the Debt from XXXX XXXX as of last year for two cards in the total amount of {$3200.00} one card is for {$1200.00} and the other capital one card is for {$2000.00} although the debt is nearly 3 1/2 years old. I didn't receive any documentation of my right to dispute or any paperwork for that matter. The next thing I know they're trying to take me for court and they didn't have an amount and no information specifically underlying my " case ''. I do not like the fact that this company is trying to bully me into paying a debt that I do not mind paying but using hostile tactics from a loan that they just bought from XXXX XXXX in XXXX and the debt pre-dates XXXX. ( Default of loans in XXXX ). This new loan has affected my credit score because it makes it looks as though my debt is brand new and it's not. I would like all reports from Portfolio Recovery to be removed since it's not from the original company ( XXXX XXXX ). I understand that Portfolio Recovery Soon after they first contact you, the debt collector is required to notify you of your right to dispute the validity of the debt. Then, you have 30 days to send a debt validation letter requesting proof that the debt is yours. After receiving your letter, the collector must stop collection activity until theyve sent the proof. Portfolio Recovery did no such thing. I never received that nor did I know that I have a window of time to dispute it. I understand that each state and rules may vary but my concern is that these loans will continue to be rebought over and over, as they continue to not only break the rules and keep me in the dark but hurt my credit and lively hood as well. I would like to come to some kind of peacful resolution.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to delete the following fraudulent items in my file that are reporting on XXXXXXXX XXXX XXXX. I am a victim of identity theft and did not make the charge or the accounts. 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 Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX XXXX showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX a natural person/consumer noticed i had identity theft on my recent credit report XX/XX/2022. Along with other things that were incorrect such as name addresses and employment. I filed a FTC report on XX/XX/2022 and have not got any type of response from Transunion, XXXX, XXXX and XXXX.
Product: Payday loan

I received a payday loan and it was well above what I was expecting after talking to the lender Arrowhead Advance, I also told them not to take anymore money out of my account since the loan plus addition interest was paid and If I do owe them more money I do n't want them taking it out of my account I will settle with them but they refused. I bank with XXXX XXXX in Michigan
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX. XXXX XXXX, XXXX, CA XXXX Experian XXXX. XXXX XXXX, XXXX, TX XXXX XXXX XXXX. XXXX   XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX XXXXNeeds Attention Last reported : XX/XX/XXXX {$9700.00} XXXX Days Late XXXX XXXX Last reported : XX/XX/XXXX {$5000.00} Good XXXX XXXX XXXX Last reported : XX/XX/XXXX {$4900.00} GoodThe items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

In accoraance with the Fair Creait Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX  XXXX 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. 16815-2 ( 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

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have a loan with COMENITYBANK/VICTORIA XXXX Balance {$920.00}. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report and I do not believe I was late on the dates they are reporting. I tried contacting the 3 Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, d

eposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.
Product: Credit reporting or other personal consumer reports

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. XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX XXXX XXXXXXXX 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 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 or credit management

The biggest data breach in American history and all of my information was exposed
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has recorded that i still owe XXXX XXXX a truck loan {$5700.00}. i have written confirmation from transunion and XXXX XXXX that it is now a XXXX  balance. i contacted XXXX XXXX in writing in XXXX with all of my documents and i have not been able to get an answer and it is still there on the report. Says that it was last reported on XX/XX/2019 and i paid it off XX/XX/2019 so that's not right either. I had hoped the loan would show paid on XXXX XXXX website by the end of the month, but it is still there. Both XXXX XXXX and transunion state they have reported the account is paid off and in good standing and the problem is with XXXX XXXX. any help with this would be appreciated. thank you
Product: Mortgage

Sirs : I am in receipt of a mendacious notice from Select Portfolio Servicing, alleging that it is the SERVICER of the mortgage covering my residence and that ( falsely ) I have violated the requirement that " hazard ) ie Homeowners insurance be maintained. Since on XX/XX/2017 I changed carriers I would have ordinarily politely provided a Declaration page from the new policy. However knowing the historically abusive and illegal conduct of that company and that is conducting business under a Consent Degree I read more carefully. 
As XXXX and other major financial entities have done repeatedly to hundreds of thousands of unwitting consumers, the letter threatened to " forceplace '' such insurance at hugely inflated premiums However, Here is the punchline : Select Portfolio demanded that I concur in a loss payment endorsement naming it.althoughit hase no right to do sounder the terms of the applicable documents In fact, Select Portfolio has insisted several times in writing ( I never converse ) that the owner and holder of the said mortgage is XXXX I have thus provided in the endorsement. 
It is evident that Select Portfolio was engaged iun an attempted Larceny by False Pretenses and other tortious conduct. Having never observed the mechanism of the CFPB in such a bald illegality, Ihave determined to submit this complaint to your good offices I have no impediment in providing data and documents at your request XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XXXX XXXX XX/XX/XXXX {$540.00}, XXXX XXXX XXXX  XXXX XX/XX/XXXX {$0.00}, XXXX XXXX  XXXX XX/XX/XXXX {$170.00}, XXXX XXXX XXXX XX/XX/XXXX {$320.00}. Inquiries : XXXX XXXX XXXX XX/XX/XXXX, EQUIFAX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX - XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX.
Product: Student loan

Navient student loans were part of the XXXX XXXX XXXX XXXX  scam. I attended the school based on lies and false hopes and dreams. My federal loans were approved to be discharged through the Biden-Harris Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several things on my consumer report that were the result of identity theft. I sent the consumer reporting agency Equifax an identity theft affidavit. According to 15 U.S. Code 1681c2, these accounts and inquiries should have been blocked from my consumer report. However, they were not. Equifax sent a letter stating this block was an error. It was not. Equifax has violated my consumer rights. According to 15 U.S. Code 1681i Equifax is supposed to delete the disputed items during a full and complete investigation. Equifax violated this federal law. Equifax is still furnishing information without my consent. That is a violation of 15 U.S. Code 1681b. I have never given Equifax permission to furnish anything on my consumer report. 15 U.S. Code 1681n lets me know that any person who willfully fails to comply will be responsible for actual damages up to {$1000.00} per violation. Please note that I will not hesitate to file a suit against Equifax for willfully and knowingly violating my consumer rights if this is not rectified within 30 days, I will pursue legal action.
Product: Debt collection

Ive been contacted several times by the mentioned vendor concerning a past due balance that does not belong to me, I do not owe the mentioned vendor nor have i ever rented from them or obtained any services at all.
Product: Student loan

On XXXX XXXX, 2015, I made a payment to a student loan with Wells Fargo XXXX which stated that the payment would be applied to my XXXX XXXX, 2015 billing cycle. I later received another bill for XXXX XXXX, 2015. I had taken screenshots of each step along the payment process as evidence that misleading information was being published to the website, as a similar issue had arisen before. They refused to apply my payment to the XXXX XXXX payment date, requiring me to make a XXXX payment on the loan or wait several weeks ( beyond the due date for the bill ) to have a refund sent by check of my XXXX XXXX payment.
Product: Credit card or prepaid card

On XX/XX/XXXX, I was informed that my credit limits were decreased on my two Citibank credit cards to within {$100.00} of my balance. I was told they were decreased due to the annual review of my credit report. Within three days of this, two other credit card companies did the same thing. My credit score then dropped from XXXX to XXXX. Then on XX/XX/XXXX and XXXX, Citibank reduced my limits again. Citibank stated it was due to another review of my credit report. When asked why my accounts were being reviewed for the second time in four months, I was told " the letter sent to you explains it all ''. All the letter says is it was due to a review of my report and my balance to limit was too high. My limit to balance is going to be high if my creditors constantly reduce my limit to just above my balance. I have never missed a single payment on any of my credit cards and there was no reason for Citibank to review my credit reports again. This isn't the first time Citi has done this. They did it three times in XXXX also but didn't reduce my limits. One was increased. I know they have the right to review and change my limits based on my report. But they are telling me that it is random reviews and twice in four months along with three times two years ago is not random. I fear that if this quarterly review keeps occurring, my credit score will continue to drop causing my other cards to follow suit, creating a credit nightmare for me and my future.
Product: Payday loan, title loan, or personal loan

As Dated XXXX XXXX, I, XXXX XXXX, consumer, credit worthiness has been judged by Truist Bank using inaccurate information from CRAs to deny my extension of credit. 
( see attachment )