23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I applied for a Barclays XXXX XXXX credit card in XX/XX/year> and I was approved. After receiving the card I was unable to activate and received a message to contact Barclays who requested additional information to confirm my identity.

One of the items they requested was either A ) A utility bill with my name or B ) A savings or checking bank account with my name I am unable to supply either of these as I live outside the XXXX most of the time and do not have utility bill in my name and I use a brokerage account for my checking and savings and Barclays made it clear that I could not use a brokerage account. 

My credit card account had been set up for autopay and while this was going on, Barclays charged me {$99.00} for the yearly fee. This was deducted from my wife 's checking account. 

I have called Barclays multiple times requesting the card account be closed and the yearly fee refunded as I can not use the card and have not way of activating it based on their policies. 

They have told me repeatedly that they can not close the account unless I provide the additional documentation requested which I have already told them I can not do.

It is a Catch-22 situation and makes no sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX, is filing this complaint concerning the inaccuracy of personal information being reported by Experian. Please see attached document of personal information. And see the personal information to be deleted from my file.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal dispute regarding XXXX unrecognized credit inquiries on my credit report. Upon reviewing my credit report, I have noticed that there are XXXX inquiries related to auto loan credit applications that I do not recognize or authorize. 

The details of the inquiries in question are as follows : Date of Inquiry : [ Inquiry Date ] XX/XX/2025 Entity that made the inquiry : XXXX XXXX XXXX  Date of Inquiry : XX/XX/2025 Entity that made the inquiry : XXXX XXXX Date of Inquiry : XX/XX/2025 Entity that made the inquiry : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/2025 Entity that made the inquiry : XXXX These inquiries appear on my credit report without my consent, and I would like to request a full investigation to have this information removed from my report. Additionally, I kindly request that you provide me with any further information that explains how these inquiries were recorded on my report. 

Attached to this letter, you will find a copy of my credit report showing the unrecognized inquiries, as well as a copy of my identification and any additional documents required, if applicable. 

I appreciate your attention to this matter and am available to provide any further information you XXXX need. I request that you keep me informed about the progress of the investigation and the next steps.
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 XXXX XXXX XXXX. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries XXXX5 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 my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I reported to the XXXX  about the dealership ( XXXX XXXX XXXX , Fl . ) early in my term with the vehicle for shady tactics because I told them I didn't want the car nor did I think i could afford XXXX a month. The Financial Manager continued to show me his gold jewelry and assured me building my credit for nice things was the right move. and to " bite the bullet '' for about 3 months and make the payments and I could trade it in for something i really wanted. When I returned 3 months later I was told that manager was just filling in for that day and they had no clue what I was talking about. So that is when I reported them to the better business bureau for unethical tactics. Long story short I got nowhere with that and continued to pay the car bill for 20 months until I had it voluntarily repossessed because of the burden. I would call them every month to let them know of any address changes or places of employment so that they could recover the vehicle. Fast forward a year and a half and someone finally shows up at my door for the car. Months later I saw the XXXX XXXX dollar debt on my credit report, for a XXXX XXXX dollar car that I had paid on for almost 2 years. Never received any notice of auction sale, nothing. I need this off my credit report. Its been almost a decade and it is still haunting me.
Product: Checking or savings account

Someone walked into a SunCoast credit Union and with the help of a teller stole money from my checking account. I was never notified of this and only came across it checking my account 2 days later. On XX/XX/XXXX someone went in the XXXX SunCoast Credit Union and with the help of a teller {$110.00} was stolen from my account with the help of a teller, that same bank employee ( a thief ) used that money to supply 2 fraudulent money orders to the thief ( possible partner? ). 

I went to my local SunCoast branch on XX/XX/XXXX to inquire about that transaction and learned that in fact it was done in person at the XXXX, XXXX  location. I was told in the office that they were speaking to the XXXX location manager, and an investigation was under way since they can clearly see it wasn't me who stole my money. 2 weeks later I have not been reimbursed... 2weeks later NOBODY has reached out to me period. 

I went to the bank on XX/XX/XXXX to withdraw the majority of my money out since SunCoast Credit Union stole my money and refuse to make me whole again. While I was removing my money from Suncoast Credit union to make sure it was safe from SunCoast Credit Union employee 's a Suncoast Credit Union employee ( door monitor ) actually walks up to me while withdrawing my money and begins to lecture me in front of 30 people. I was told they tried to call me once and my phone was disconnected. I specifically asked if they tried more than once and asked why I didn't get an email. This door monitor continuously said in front of everyone that my phone was disconnected while completely ignoring my constant question about why Suncoast Credit Union didn't email me. 
XXXX ( teller ) held my hand as because I'm severely XXXX and have medical episodes. XXXX comforted me amongst all of the stress and burden Suncoast Credit Union has trapped me into. I have had XXXX  surgeries in 11 months and multiple medical conditions, so I don't feel safe going into the location with the door monitor so aggressive that they approached me at the teller without even introducing themselves Suncoast credit union has illegally taken money from account. I asked if someone had documents with my name or did your employee steal money from my account. I told them if someone had documents with my name I needed to know, and they completely ignored me. I updated all of my information especially my phone number and email. It's been XXXX weeks, and as a person who lives on XXXX, I need my money to survive. Suncoast credit union 100 % caused this problem but refuses to do anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I rented a property where my tenant took pictures of my credit cards back and front, driver icense, and social seurity. they open account, and use exciting account to buy unotherized items. 
I have file dispute with the credit card company, credit bureau, including providing police report and claiming identy thef. They have refuse to clear my accounts. They continue to report late payment and charge off some account.
Product: Vehicle loan or lease

XXXX XXXX : NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information SANTANDER CONSUMER USA it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures. 

Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ). 

( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I am herby requesting all above disclosures required by Federal.
Product: Credit card or prepaid card

We have a BJs Wholesale Mastercard that is issued through Comenity Bank. We have carried a balance of around {$30000.00} for between XXXX to XXXX  years. We have struggled to pay it down but have not had any success. On XX/XX/XXXX this year we were contacted via phone by Comenity bank trying to collect an overdue payment. During the call we inquired through the representative we were speaking with about possibly receiving some debt relief. I have had my income reduced significantly by the XXXX XXXX XXXX I work for. Though the representative was unable to accommodate our request for debt relief she did offer to enroll us in a hardship program. The program allowed us to pay off our balance in 60 months without any interest. Our payment would be $ XXXX. We made our first payment over the phone that day and have made 2 additional payments in XXXX and XXXX through automatic withdrawals by Comenity bank from our checking account. Also as a condition of enrollment in the hardship program was that we had to close the BJs Wholesale Mastercard Account. 

On XX/XX/XXXX we received a letter from Comenity Bank dated XX/XX/2022 stating that they were unable to complete our request to enroll in the hardship program. The letter, which is attached, listed 7 reasons ( none of which applied to us ) as a reason we were not able to be enrolled. We were already enrolled as I detailed above and had made the payments we agreed to. Comenity Bank claimed that the reason we were being removed was due to BJs Wholesale club was discontinuing the program. We find it very suspect that now that interest rates charged by banks, have increased significantly, that the program was dropped. We could not get a clear answer if all the people in the program were being dropped or just select individuals like us. There was no offer or attempt to provide us with an alternate approach to pay off the balance. In addition we were told that we had a minimum payment of over {$1000.00} owed and that we would have to pay late charges on. The bank has made considerable money from the interest we have paid to date and now are making record profits it is criminal to force customers enrolled in hardship programs to return to paying the full inflated interest date. We are trying to paydown our balance off and the hardship program provided us a method to do so. Without the program we will have borrow money to pay off the balance. 

We did receive an initial letter confirming our enrollment in the program but I can not find at this time. I'm sure Comenity Bank can provide a copy.
Product: Payday loan, title loan, or personal loan

In the month of XXXX, I opened a loan on an existing account.My initial invoice noted 'please pardon our progress'..we are not able to include your balance at this time. ' I continued to pay the invoice in good faith fr several months. I then called and reminded the creditor that it is legal bussiness practice to include my payment as well as the future balance with the payment deducted ( past balance ). I reminded the csr that I was sure that when he paid his personal invoices, this information was included. He agreed.Asking for patience with the company update, I relented. Six months later, The representative tried to get me to emphathize with their company 's struggle with thier system. I adamantly replied that I pay my invoice on time and noone from her company concerns themselves with my struggles. I pay the invoice on time ... Every Time. Please review my payment history..over 26 years. This company has changed hands twice since XXXX  when I initiated a bussiness relationship with them. At this point, I have not received a balance in a year of payments. So, I am not prepared to pull out the initial Loan agreement from XX/XX/XXXXand then pull out check ledgers to find my own balance, only to have this company dispute my math or interest calculations. This is not a reasonable requirement of me. I also refuse to call every month for a balance. In America, if it's not on paper, it holds no weight.At this point, I refuse to pay this company until it provides me with a record of all payments, deductions and balance calculations for every month of the Loan. This will circumvent any descrepancies.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX INQUIRY : XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

CAPITAL ONE is claiming an account on my credit that is not mine. The account number is XXXX, this account was opened on XX/XX/2013
Product: Debt collection

On XX/XX/2021 I reached out to Midland Credit Management and requested they provide documentation that proves I willingly entered into a contract with them and to display the signatures of both parties involved. This company did not do that. Nor did they cease collection activities and reporting as federal law states until the requested proof can be provided. This company is harassing me and as mentioned in my first letter, I would seek assistance from CFPB & State Attorney should they continue to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital Accounts have been reporting to consumer reports regarding an alleged debt of {$21000.00} without written or oral consent. This is unfair and unjust. I dont owe this debt and this debt isnt valid. Pursuant to 15 usc 1692g ( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 15 usc 1692c I have sent cease and desist letter as well as a debt validation letter and this company has not complied with my requests, Pursuant to 15 usc 1692 ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX  on XX/XX/22 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts which i believe were reporting in error. 


XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$20000.00} ; DEPT OF ED/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  US DEPT. OF EDUCATIO XXXX XXXX/XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  Experian XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX US DEPT. OF EDUCATIO XXXX XXXX/XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  US DEPT. OF EDUCATIO XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX BANK
Product: Debt collection

WILLIAMS AND FUDGE Per FCRA as a federally protected consumer I am opting out of any and all authorization I the consumer may have provided, written, verbal, unwritten and non verbal for the duration of indefinitely per 15 USC 6802. Per Privacy Rights Act of 1974. Per IRS Publication 4681 Canceled Debts are certificates of indebtedness and are now reported as income and income can not be collected.

Action Requested : Remove from ALL Credit Reports.
Product: Credit reporting or other personal consumer reports

Debt is not mine and not authorized by me and is fraud.