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

I previously filed a complaint with the CFPB, complaint # XXXX regarding Fraud on my XXXX XXXX Credit Card with Barclays Bank of Delaware. Even though I had indicated on my text alert replies to Barclays that the charges were Fraudulent, on the very day that the fraud occurred, Barclays Bank allowed them to go through. Where is the protection to the consumer by Barclays Bank? What is the point of a fraud text alert if the bank is going to allow the charge to go through anyway? 

XXXX from the Office of the President called me in response to my complaint, assured me that the case was still in dispute with Barclay 's .... even though the CFPB closed it due to CFPB rules, and I would not be charged the {$3000.00} that is in dispute. 
However, as my credit card was on auto-pay, Barclay 's Of Delaware took the amount out of my bank account to pay it, though it was not authorized to do so. XXXX XXXX had assured me on XX/XX/2018 that the matter was not going to be resolved fully until XX/XX/2018 and no monies would be required until he spoke to me. As indicated above, Barclays used autopay on XX/XX/2018 to pay themselves despite the matter remaining in dispute. I am therefore opening a new case to address these issues. 

This was in direct contrast to XXXX XXXX 's assurances to me that the fraud case was not yet resolved because the bank had not resolved the fraud investigation from the merchant in XXXX that had committed the fraud. 

We were told that these conversations have been recorded on Barclays recorded line. For the past two weeks, I have left repeated messages and received no calls back until finally, today, XXXX XXXX answered my phone call. 

He now says that he can not explain what charges were made that add up to the {$3000.00}, other than the fraud charges that were made on the account! I closed the account in XXXX, and the autopay was taken out in XXXX. 

I feel that Barclays is stalling for time, and promises upon promises of escalating the matter have amounted to no communication. Do they expect the consumer to get tired of a lack of response and resolution of a matter, and just hand over this kind of money that can't even be explained by them? 

XXXX XXXX told me the money is still in dispute even on today 's phone call, but can not explain to me, or show me any accounting form to explain that I owe this money. There is a serious problem here, and nothing is adding up. I have nowhere else to turn to get a full explanation. Please help!
Product: Debt collection

On XX/XX/2023 I submitted a request to XXXX XXXX XXXX for an alleged debt they reported on my credit report. They received this information request on XX/XX/2023 and as of today, XX/XX/2023 I have not received any sort of correspondence pertaining to my request at all. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last month I have disputed these unauthorized fraudulent accounts that has been on my credit report for some time now. These accounts are not known to me, I'm a junior with a very common name, not sure if this caused the mix up but I'm hoping that the credit bureaus straighten it out. I'm demanding that these accounts be blocked immediately so that my true credit data will reflect my true credit status. Please block the following accounts ... [ 1 ] XXXX XXXX [ 2 ] XXXX XXXX XXXX [ 3 ] XXXX XXXX XXXX XXXX [ 4 ] XXXX XXXX {$230.00} [ XXXX ] XXXX XXXX XXXX Please provide certified physical documentation of these accounts or please block them immediately and permanently.
Product: Debt collection

This is in regards to a Target RED card.I called and spoke to 4 different people trying to cancel this card. 

In XX/XX/2019, I went online and paid the balance off for the credit card and asked to close the account. I had a flood in my condo and was not able to live there for two months. I had my mail held and paid off my debts while displaced. Now we have returned and I have a statement from Target that although I paid the balance there was a late fee that has compounded from {$7.00} to {$150.00} ( three months time ). 

Today, XX/XX/2019, I called customer service asked to cancel the card, clearly it had not been back in XX/XX/XXXX, and asked who I could speak to about these additional fees unrelated to any merchandise purchase. I was bounced to four different phone reps - all who said they can't cancel the card. I repeated the same request to cancel this card ( to stop the fees accumulating ) and to speak to someone about the fees. Each time they said no to closing the account and they would not be able to cancel the fees. Mostly I thought it was unethical for them to refuse to cancel the card to stop the accumulation of NEW fees while I dispute the old fees. 
The last persons name I was given as a " manager '' I could call back because no managers were " on the floor '' was XXXX XXXX at XXXX
Product: Checking or savings account

On XX/XX/year> I deposited a check In amount of XXXX first they said they would release XXXX on XXXX. The next morning they decide they gone hold for 2 day all the XXXX plus they held my cash money causing my account be negative.
Product: Credit reporting or other personal consumer reports

Please see attachment/police report because the banks in the police report are the banks were the criminal open up multiple bank accounts in my name without my consent. I do have a consumer lawyer and we called these banks and was given information that don't belong to me such as address, phone numbers, and addresses.
Product: Mortgage

Detailed letter attached. Non escrow mortgage loan. Ocwen force placed coverage with no proper notice and the effective dates of their force place coverage included months my property was not in a flood zone. They have had my paid flood policy and continue to error and cause me financial harm, and inaccurate credit reporting. My payments have been deposited to suspense rather than posting because they can not correct their errors. details in the attached letter, chronology, and supporting documentation. While housing my payments in suspense account they have referred my loan to loss mitigation. My credit score has always been XXXX and my good credit is in jeopardy.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my consumer report. I am requesting this accounts to be removed or marked paid for less I The consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts on my report The agency clarity services has violated my federally protected consumer rights to privecy and confidentiality under 15 USC 1681.

* 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 also under codes 15 U.S. Code 1692 ( f ) 15 U.S. Code 1692 ( a ) 15 U.S. Code 1692 ( g ) 15 U.S. Code 1692 ( e ) 6 Violations in total
Product: Debt collection

Please provide us with the following : What the money you say we owe is for ; Explain and show us how you calculated what you say we owe ; Provide us with copies of any papers that show we agreed to pay what you say we owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this accountShow us that you are licensed to collect in our stateProvide us with your license numbers and Registered Agent I believe this lease agreement was made up to represent my signuature. We are aware of our rights. As such, under Section 809 ( b ) collection efforts must cease until verification is obtained- including pursuing this debt through an authorized representative to collect on this alleged debt. 
At this time we will also inform you that your offices have reported invalidated information the 3 major Credit Bureaus XXXX XXXX, XXXX and XXXX ) and this action could constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any credit reports belonging to either of us by your company, the company you have authorized to collect or the company that you represent seven days from the date of this notice, we will not hesitate in bringing legal action against you for the following : * Violation of the Fair Credit Reporting Act * Violation of the Fair Debt Collection Practices Act * Defamation of Character During this validation period, if any action is taken which could be considered detrimental to any of our credit reports, we will consult with our legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
I would also like to request, in writing, that no telephone contact be made by your offices to our home or to our places of employment. If your offices attempt telephone communication with us, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and we will have no choice but to file suit. All future communications with us MUST be done in writing and sent to the address noted in this letter by USPS. 
This is an attempt to correct your records, any information obtained shall be used for that purpose. 
Best regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of 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

Someone tried to get jewelry Im assuming because I have an inquiry from comenity bank/XXXX  claiming I applied for jewelry and I didnt. They also have inquiries for bank cards that I never applied for.
Product: Debt collection

the police report has been flied And National Audit has received a copy of the flied police over a month ago now.
Product: Debt collection

See attatched FTC ID Theft Report case XXXX **NO ACCESS TO REPORT OR RESOLVE FRAUD due to ( XXXX. ) CLEARLY, USAA gave me NO OPTIONS BUT TO PHONE. USAA ONLY PROVIDED PHONE ACCESS. see attatched CREDIT CARD FRAUD CLAIM DATE OF XX/XX/XXXX letter dated XX/XX/XXXX COMPLETION OF THIS FRAUD INVESTIGATION. USAA HAS NEVER PROVIDED THESE PERMANET CREDITS {$470.00}. THIS ACCOUNT IS DELIQUENT DUE TO ** NO FRAUD CREDITS PROVIDED. USAA POSTED {$460.00} Fraud Credits XX/XX/XXXX for XXXX FRAUD. USAA DESTROYED MY CREDIT WITHOUT RESOLVE OF FRAUD.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I formally request that the following inaccurate items be immediately. 
REMOVED I have provided you all document of the illegality. 
OF THESE FRAUDELENT ACCOUNT ADS/COMENITY/ZALES # 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: Checking or savings account

On XX/XX/XXXX, I received a email notification that my account with Truist bank was over drafted and a {$36.00} overdraft fee was charged. I reviewed my online account and noticed a charge of {$49.00} for a annual fee associated with XXXX  was charged to my account without my authorization. I contacted Truist bank to ask for the overdraft fee of {$36.00} to credited back to my account and to remove the {$49.00} charge as well. 
Last year on XX/XX/XXXX, I set up a recurring annual fee of {$39.00} with XXXX  from another checking account I have with Truist. This account ending in XXXX and was associated with debt card ending in XXXX. Some time in XXXX after this charge, the account was closed. Its clear that Truist allowed XXXX  to debit my other account ending in XXXX that was not associated with the account ending in XXXX that closed in XXXX, nor was the card ending in XXXX associated with this account. As such, my account should not have been debited. The excuses given was the card associated with the other account however, records show the card associated with XXXX that was debited was only issued in XX/XX/XXXX and was only associated with one account. Truist provided a merchant with access to personal account without my permission and freely took funds out my account causing a fee due to their banking error. 
After speaking with the representative and the manager which was very rude, they canceled my debit card because I claim it was fraud. Now, I have no way of depositing funds into the account to clear the negative balance for 7-10 business days which will again result in another overdraft charge. 
Truist should not have allowed a merchant charge to go through if the request was for a separate account that had closed. Instead they provided the merchant with my PII of another account I had with the bank and allowed funds to be debited knowing it would resulted in a overdraft charge which the bank would benefit from.
Product: Debt collection

XX/XX/21 Halscep Financial called me after XXXX and when I answered somebody said hello and hung up on me. They call me back to back to back even after I've already spoken to someone.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX REPORTING INACCURATE INFORMATION DATE OPENED TRANSUNION XX/XX/XXXX XXXX XX/XX/XXXX HIGH CREDIT TRANSUNION {$6500.00} XXXX {$0.00} DATE OF LAST ACTIVE TRANSUNION XX/XX/XXXX XXXX XXXX PLEASE DELETE THIS ACCOUNT FOR MULTIPLY INACCURACIES
Product: Payday loan, title loan, or personal loan

I received a loan in the amount of {$1000.00} and have already repaid {$1000.00} to date and the amount to pay the loan in full is currently over {$1100.00}. I am no longer able to repay these loans and per the State of Michigan Department of Financial Institutions the organization XXXX XXXX is not licensed to provide loans in the State of Michigan. Since this organization violates state and federal usury laws I do not feel that I am obligated to repay any amount over the principal borrowed which I have already repaid.
Product: Debt collection

Dear XXXX, I am writing to file a complaint against XXXX XXXX regarding a debt that has been inaccurately reported and pursued for collection. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), specifically XXXX XXXX Code XXXX, I believe that my rights have been violated, and I request your assistance in resolving this matter. I have recently been contacted by XXXX XXXX regarding an alleged debt in the amount of {$1300.00}. However, after careful review of my financial records, I can confidently state that I do not owe any such debt to XXXX XXXX  or any other entity. According to XXXX XXXX XXXX XXXX, if a consumer notifies a debt collector in writing that they refuse to pay a debt or wish for communication regarding the debt to cease, the debt collector shall not communicate further with the consumer with respect to such debt. I have sent written notifications to XXXX XXXXXXXX disputing the validity of the debt and requesting that they cease all communication with me regarding this matter. Despite my written requests, XXXX XXXX has continued to contact me regarding the alleged debt, which has caused undue stress and anxiety. Furthermore, they have reported this debt to credit reporting agencies, negatively impacting my credit score and financial standing. I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against XXXX XXXX for their violations of the FDCPA. Additionally, I ask for your assistance in having the inaccurate debt removed from my credit report, as it is causing significant harm to my financial reputation. Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take prompt action to rectify this situation and uphold the rights of consumers under the Fair Debt Collection Practices Act.
Product: Credit reporting or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed these items which were opened without my permission. Under section 605b of the FCRA you are required by law to remove these items which are found to be opened due to identity theft. The dispute items were opened without my authorization. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these items. If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly : EXPERIAN 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 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 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: Mortgage

My loan was transferred to Chase on XX/XX/XXXX. I called on XX/XX/XXXX to request a payoff quote but the rep XXXX refused to provide one and told me I'll only be able to request one in 10 business days which is after the date I'm supposed to close on my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was compromised while I was oversees serving in the U.S. Military between XX/XX/XXXX- XX/XX/XXXX. During this time several unauthorized inquiries were made on my account. I have included the dates & names of creditors below. I have never authorized any of these creditors to run a hard inquiry on my credit report. I demand these hard inquiries be removed from my credit report immediately. 

XXXX  XXXX XXXX XXXX XXXX  1. XX/XX/XXXXXXXXXXXX XXXX XXXX 2. XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting yet another CFPB complaint regarding the erroneous accounts reporting on my Credit report. I have been submitting CFPB complaints as well as send dispute letters requeseting for the correction of the erroneous accounts on my Credit report and it is clear that the Credit Bureaus have never even conducted a proper investigation on my Credit Report and have kept insisting that the disputed accounts were NEVER ERROENOUS ansd HAVE BEEN UPDATED. This is just nonsense since every month I have been checking for updates with my Credit Report and it is clear that they have done nothing! Under the FCRA section 609 and 611, the Credit Reporting Agencies are required to verify the accounts disputed by the consumer and provide copies of documents as verfication that the information reported are true. None if this were done by the Credit Bureaus and have been insisting that the information they report are true. I have reached the limit of my patience, if the Credit Bureaus can not correct the disputed accounts, it is better for them to delete the disputed accounts from my Credit File. Under the provivions of the FCRA, I need the following accounts DELETED, if they can not correct, from my Credit report : XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} DEPT OF ED/XXXX  XXXX Balance : {$0.00} DEPT OF ED/XXXX  XXXX Balance : {$0.00} DEPT OF XXXX XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF ED/XXXX  XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$10000.00}
Product: Credit card or prepaid card

After extensive review of credit report after a prior divorce from a fudiciary noticed this account, and have/had no clear recognition of this account/transaction or any of the kind or similar by this company or affiliates. I have tried contacting them on several occasions to inform them of mental status of mental incompetence and my legal inability of not being able to manage his/her own finances or contract in accordance with 38 CFR 3.353. After calling their customer service number multiple times and disputing the validity of the account all that would be done is more negative marks on credit report and harassment from the customer service representatives that were doing nothing to assist and only making accusations of false claims of mental status from military service related injuries and medical related issues.
Product: Checking or savings account

A transaction was posted to my Wells Fargo account on XX/XX/year> for XXXX at XXXX * XXXX XXXX * XXXX. It was later deleted from my account activity, but I never received a refund or credit. When I called on XX/XX/year> after receiving notice of a refund from XXXX, I contacted Wells Fargo for an update and they stated they see a refund pending and it should take 7-10 business days to clear. Everytime I called I was told the same thing. 

On XX/XX/XXXX, I realized I still was not refunded my money. When I contacted Wells Fargo, they denied the transaction ever occurred since its no longer on my statement. However, I personally saw it post to my account before it disappeared. I have been given no resolution, no investigation, and no credit for the funds. 

I am requesting a full investigation, refund of the missing funds, and confirmation that this issue will be resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are putting the debt owed on every month which is bringing my score down monthly. My debt has been sold and charged off but they continue to resubmit every month