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

Re : XXXX XXXX XXXX ( Primary Card Holder ) XXXX XXXX XXXX XXXX Barclays Bank Credit Card Division Card # XXXX We are Barclays Bank XXXX Credit Card holders. We have had the card for several years. On XX/XX/2023 we made a payment of {$150.00} on the Card. On XX/XX/XXXX we became aware through our bank- XXXX XXXX, that Barclays removed the funds from our bank. However- Barclays did not apply the payment of of {$150.00} to our account and withheld the available credit that the payment should have produced and indicated that the available credit that the payment should have produced - would not be forthcoming until XX/XX/XXXX. Upon knowledge and belief- Barclays has placed our {$150.00} into an interest bearing account along with thousands of other credit card holders while at the same time depriving us of access to our funds in the form of available credit. Besides denying us excess to our funds. In addition, this conduct also adversely impacts on both of our Credit Reports by artificially showing a lack of available credit- which is a key component of determining both the Vantage and overall Credit Score. In addition- Barclays conduct may also constitute Fraud under FTC regulations. Efforts to resolve this matter directly through Barclays. On two occasions on XX/XX/2023 - we spoke on the telephone with Barclays call line and related our concerns to both call center representatives- including two account supervisors ( XXXX was one ) their response- in the case of XXXX XXXX he hung up the phone on us. We fully intend to pursue the matter through the courts and will be filing a Federal Lawsuit in the XXXX North Carolina XXXX XXXX under provisions of the Fair Credit Reporting Act. In addition- we also intend to file a complaint with the North Carolina Attorney Generals Office of Consumer Affairs XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute inaccurate information on my credit report. As per XXXX5 USC 1681i ( 5 ), credit bureaus are required to modify or delete accounts that are not reporting accurately. However, after multiple attempts to start the investigation, Experian and XXXX have failed to remove public records listed on my credit report that can not be verified. 

I am requesting that all public records listed on my credit report be removed as soon as possible, in accordance with my rights under 15 USC 1681. Courts are not subscribed to or required by law to provide public record information to credit reporting agencies, and credit reporting agencies have a responsibility to report consumer information with the highest level of accuracy. 

I have never been late on payments for the accounts associated with the public records listed below : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD : XXXX XXXX  : XXXX XXXX Bank : XXXX XXXX CARD : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX and provide proof with statements showing that these payments were late. If proof can not be provided, I demand that these payments be updated to on-time as they should be, as I was never late. 

I am requesting that you provide me with a written response within 30 days confirming that the inaccurate information has been removed from my credit report. Additionally, I request that you provide me with a free copy of my credit report, as per my rights under the Fair Credit Reporting Act. 

Thank you for your attention to this matter. I look forward to your prompt resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted experian on XX/XX/23 to remove this inaccurate address and they said they can. I also sent in a letter with my identification verifying my current and only address.
Product: Debt collection

Employees of the company disregard their own given arrangements and lack professionalism. I have a debt from previous apartment complex. It was among me and a roommate but billing just in my name. I was placed on a payment program starting in XXXX and gave what I could being {$100.00} the XXXX and XXXX of the month. The arrangement has expired and was advised to call back to setup arrangements on left over balance when capable. Well now I 'm dealing with XXXX hostile and very condescending associates with the company a XXXX XXXX ( manager ) ext XXXX and XXXX XXXX ext XXXX ( acct agent ). Simple questions about my debt and actions can lead to uf not paid in full today get a " why '', " what do you think '' or it " does n't matter " when its my billing that I 'm concerned about, why do I not get proper answers. They have placed me extended holds hoping I would disconnect the call and when returning to line would just ask for payment in full. They said the arrangement should never been given and that they will not accept payments if not for full amount by the XXXX of XXXX ( today being the XXXX of XXXX ) Their collection practices are FDCPA violation as they are very harassing and not willing to let me make discuss the bill without threats and open ended questions. They ended call by saying they will say I 'm disputing my balance with credit bureau when in fact I never told them to or dispute what I owe. My payment arrangement was setup by agent at XXXX ext XXXX. Originally she wanted {$740.00} but allowed me to make the lesser {$200.00} a month payment to where the balance left is {$1000.00}. I got a letter end of Match saying I defaulted on payment which lead to me calling in due to I satisfied the original plan and waiting for financial change to make another.
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit report, and I noticed several inaccuracies with one of my accounts. This account is reporting late payments and different dates for date opened XX/XX/2022, and XX/XX/2022. These inaccuracies are seriously hurting my credit score and my ability to obtain credit. I need this account updated and deleted from my credit score. 

Account Name : XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Alert from Experian on my credit report from XXXX on XX/XX/19, they said I had to contact XXXX in writing, I did. Even though there is an alert on my credit file to call before doing inquiry, XXXX did it. I did not request it. 
They are saying they will not remove it!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly correct the following items immediately : 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$790.00} XXXX XXXX Balance {$480.00} XXXX XXXX Balance {$20000.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance {$2400.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance {$600.00} XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX BANK XXXX XXXX A ) XXXX Balance {$670.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX BANK XXXX XXXX A ) XXXX Balance {$520.00} GLS XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card

I was a victim of identity theft and my information was used to create a store credit card at Home Depot. I called the company as soon as I received an account statement in the mail ( XX/XX/XXXX ) that I was not familiar with. The fraudulent charges on XX/XX/XXXX were from a Home Depot far away from my home and for {$3900.00}. I received no email or call from Home Depot about opening an account until I received an account statement in the mail, so this went unknown to me for weeks. 

I called the company XX/XX/XXXX and spoke to a representative and said that this was fraud and it was based on identity theft. After a few quick questions they said my case would be investigated. Over two months later and multiple calls to request status that were unhelpful, I received a letter saying that the claim was denied. The investigation process was extremely long and in the meantime, I am also getting late fee charges of {$29.00} on the account. On XX/XX/XXXX I called again to appeal this decision and I asked for any documentation of the application and this was denied. Also denied was any store video footage that proved my presence in the location. Security operations basically hung up on me when I asked to speak to someone who could assist, only XXXX XXXX XXXX were provided. Also no one informed me that I should send in supporting documentation such as an identity theft report or a copy of my driver 's license. Only after I asked many questions did they say that a ( fake ) driver 's license was used to open the account. I am in process of submitting the supporting information but the entire process of fraud dispute, investigation timelines, information shared has been done with zero transparency and zero protection for me, the consumer.
Product: Debt collection

18 U.S. Code 1028- Fraud and related activity. Knowingly XXXX  in false or actual authentication features for use in false identification documents, document-making implements, or means of identification I want this matter to be investigated, and all these inquiries off my credit report.
Product: Mortgage

We are trying to gain 3rd party authorization to speak with the lender and they are refusing to speak with me. the borrower is deceased, but we provided a death certification and letters of testament - and we are still being refused authorization to speak on behalf of the deceased borrower
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after their investigation. I would like this item immediately re-investigated. These inaccuracies are highly injurious to my credit score The inaccuracies are highly injurious to my credit score Dept of Education-XXXX XXXX XXXX XXXX - {$8200.00} ( XXXX and XXXX XXXX late ) This company has continued to violated my rights in accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, Please Provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Debt collection

After a short visit the XXXX back in XX/XX/2021 XXXXXXXX XXXX  sent me a bill for over XXXX XXXXXXXX XXXX  I did apply for charity care program and was approved a 75 % discount doe to my low income> I did make payments directly to the XXXX for the balance of the visit. A few months later I started to receive many collection letters from different companies and even doctors witch had never treaded me at the XXXX where I was only seen by one practitioner nurse. I have tried several times to ask for validation letters and communicate with these companies but they ignored and proceeded to affect my credit turning my medical debt into a personal one and putting a collections negative notes on my credit report form all three mayor credit companies. 
The following company I have disputed charges on XXXX and XXXX. 
AmeriFinantial Solutions XXXX XXXX XXXX XXXX, MD XXXX The following company in now trying to obtain the same money from the previous one ( see attached bill labeled company c ) XXXX XXXX  ( formerly known as XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX, MD XXXX Also a doctors office that was payed through a collections company but continues to send harassing letters every month. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, NJ XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows Name : This is my legal name : XXXX XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them.

Address : Please be sure that my address is listed correctly.

My address should read : XXXX XXXX XXXX, XXXX, Ga, XXXX Employer : XXXXXXXX XXXX 

Phone Number : XXXX Social Security Number : XXXX Please remove ANY other information you are currently reporting as they are NOT accurate. I have attached my Identification card. 


Best Regards, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I received THREE HARD INQUIRIES on my credit report that were NOT authorized by myself in writing,, nor did I provide any permissions to have my credit pulled on THREE individual dates : XX/XX/2021, XX/XX/2021 and XX/XX/2021. 

I have NOT applied for aany products from 'XXXX XXXX ' thru " Wells Fargo Bank XXXX XXXX Ive attached the snapshot from my credit report that articulates these fraudulent requests I need to have these removed from XXXX XXXX XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, CA,XXXX XXXX XXXX XX/XX/XXXXXXXX  Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX XXXX Iowa XXXX Dear Sir/Madam, I am writing to formally dispute inquiries made by XXXX XXXX XXXX  via XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX  via 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  and XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, ( XXXX ), ( XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) on my credit report. Upon reviewing my credit report, I noticed an inquiry from XXXX XXXX XXXX  via XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX via XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX that I did not authorize, and I believe it violates the provisions outlined in the U.S. Code 1681.

According to U.S. Code 1681, any inquiry made into my credit report without my explicit authorization is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I have not applied for any credit or services with [ XXXX XXXX XXXX  via XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX via XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX ] nor have I granted them permission to access my credit information. 
I request that the Consumer Financial Protection Bureau investigate this matter promptly and take appropriate action against XXXX XXXX XXXX  via XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX via XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX for violating federal law. Additionally, I would like to request a copy of the investigation results once the inquiry dispute has been resolved. 
Enclosed with this letter are copies of my credit report highlighting the unauthorized inquiry and any supporting documentation I have regarding this matter. 
Thank you for your attention to this matter. I look forward to a swift resolution of this dispute. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2023 and XX/XX/2023 XXXX fraudulent charges were made in my TD bank Visa card in the amounts of {$2200.00} and {$1900.00}. I saw the charges on the XXXX and immediately called the credit card customer service to report the fraudulent charges and locked my card. The charges were made by some XXXX XXXX in Colorado. I live in XXXX XXXX and have never been to Colorado nor have I left the XXXX XXXX since XXXX. A charge in XXXX XXXX, NJ ( where I purchased gasoline ) was the last purchase I approved and made ( this was made the same day the charge in Colorado was made ). I also informed the credit card company that I never received any type of call or text to approve such a large amount of charge, which most companies do. I have not made a charge that large on that card and that shouldve raised a red flag on their end. They temporarily refunded me the amount and then recharged the amount saying the charges were made chip on chip. I have called numerous times since XXXX to keep reporting and stating that I never made that purchase and keep requesting documentation of their proof because I can prove I was never in Colorado I was at work that day in NEW JERSEY. Its been 3 months now and several calls to them and nothing has been resolved nor I have received any documentation of how they came to the conclusion that the purchase was not fraudulent. Ive had the account for several years now and have never reported a fraudulent charge or tried to get away with something like this. My card is accumulating interest now on a charge I did not make and my credit score has dropped because of this lump of debt sitting there. I am extremely frustrated and upset and do not know what else to do to resolve this issue. I did not make these purchases that add up to over XXXX XXXX dollars and I demand to be reimbursed. I have never in my life experienced such terrible customer service or stress from a credit card company that is refusing to help a loyal customer that is a victim of fraud.
Product: Debt collection

received call from XXXX  XXXX  on account with XXXX XXXX. explained that i refused to pay because XXXX XXXX refused to cancel the advertising and made me keep going with it with no results. and that i have filed complaints a few times on this. and the thing that really stuck out to me was how rude the person on the call was acting. even as i was explaining that this was a debt the company contunied to force me to have after requests were made to stop service. to which she finally replied that she knows how to make it stop and hung up on me. will be attaching a letter that was also sent to XXXX XXXX XX/XX/2018 as this is going on 4 years of fighting this now.
Product: Student loan

Took out a student loan and made payments for alm ost ten yea rs. I just found out that my payments do not qualify for loan forgiveness. I was not advised of this when I set up the payments. My payments actually were more than if I set it up as income based.
Product: Credit reporting, credit repair services, or other personal consumer reports

The laws are very clear under 15usc1681B, ( 2 ) In accordance with the written instructions of the consumer to whom it relates. My written consent is needed in order for this company to access file. According to15usc1681Q Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

maybe this was an honest mistake but the law is very clear. Please provide the document with my wet signature giving this company my written consent to access my credit file. 
Date of inquiry : XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit reports and found multiple hard inquiries I dont recognize on my Equifax report. Lots of inquiries look like fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB collection dispute complaint. 

On XXXX XXXX XXXX XXXX XXXXXXXX added a derogatory mark on my credit report per XXXX XXXX and Experian. Upon further research, this account was transferred/ sold from XXXX account to XXXX XXXX XXXX 



I as a consumer is no longer by law responsible for this account after it has been transferred. Besides Debtor 's Creditor did not verify this collection by providing proof of licensing to collect in my state, by identifying the proof of limitation, likewise XXXX XXXX XXXX did not verify my debt validation, and which shows XXXX XXXX XXXX has violated my rights as a consumer and making me look bad and ruining my credit character, also hindering me from getting a better rate for my house.
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

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: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent INOUIRIES from my credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX