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

XX/XX/2022 I applied for a balance transfer from Barclays XXXX credit card A few days later I noticed that Barclays had taken money from an account unrelated to my account. Barclays took this money and gave it to another account, unrelated to me.

Barclays still charged my account I contacted Barclays and told them " You took money from someone and gave it to another and still charged me! '' It has been almost a month and nothing but the run around. 
Barclays is charging me interest and set a date for the first payment on XX/XX/2022! 
Barclays " We are investigating, it could take up to 60 days! '' What is there to investigate? Barclays took money from another persons account and gave that money to another persons account and still managed to charge me, for this!

I've included a screenshot that shows Barclays transfer from an account ending in XXXX ( not my account ) I have XXXX credit card account with Barclays that ends in XXXX Thanks for your time
Product: Debt collection

XX/XX/XXXX I contacted Transunion to dispute the dates on collection account. They replied XX/XX/XXXX, after 30 days and stated they meet FCRA requirements. I contacted Transunion on XX/XX/XXXX, and the representative stated " I don't have verification of your account the collection agency and send us proof ''. He stated they got my information from XXXX XXXX XXXX. He also stated, Transunion is not violating my rights by not showing me validated proof of the account. The Transition representative refused to remove the account.
Product: Checking or savings account

Hello, my name is XXXX XXXX. I am a Victim of Identity Theft. At the beginning of this year, I attempted to open a Business Checking account with PNC. After two days, my account was closed due to " fraud ''. What really happened was they requested an XXXX XXXX XXXX report and from what they saw, they decided not to open my account and mark my file as " FRAUD ''. I think that's ridiculously unfair. I have disputed all the negative information on my XXXX XXXX XXXX report and yet PNC still doesn't give me a chance to prove myself and allow me to open ANY type of account. I think it's truly discriminatory and it makes me extremely sad. As a customer, I wanted to bring my personal and business banking checking accounts to PNC and now I don't think so. I just wanted to take the time to report them because I think they're being extremely unfair. Thank you, Happy Holidays!
Product: Credit reporting or other personal consumer reports

XXXX is reporting the DATE OPENED of XXXX loans as XX/XX/XXXX ( see XXXX and Equifax XXXX attached ). The DATE OPENED however are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX ( see attached information from XXXX ). 

XXXX is reporting the loans to the credit bureaus, however the last activity/payment is over XXXX XXXX XXXX and negative information should cease being reported per the FCRA. XXXX is in violation of the FCRA. This has resulted in an XXXX pt drop in my credit score and is harming me financially while I am submitting applications for a new home. 

I contacted XXXX by phone on XX/XX/XXXX to request that they correct the information and send an account history. They stated the information would be emailed within XXXX days. They however did not furnish the information requested nor cease reporting to the credit bureaus. 

I submitted disputes with XXXX ( twice - see attached ) and XXXX " verified as accurate '', however this is not possible as again, these loans were opened over XXXX years prior. I submitted a dispute with Equifax ( see attached ) however Equifax has not completed their dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not properly investigate the account listed on my credit report. I contacted The XXXX XXXX XXXX to inquiry about an old account that is listed on my credit report. I contacted this company and they did not have any information on this account because the customer service representative named XXXX said it was sold to XXXX ( XXXX XXXX XXXX ) she gave me their phone number which is XXXX. I called this number and it says that this company is permanent close. Equifax is saying that this account is verified and accurate how is this so when the company do not have any information and the company that bought this debt is permanently closed.
Product: Mortgage

Case number : XXXX am filing a complaint against Capital one. We have followed everything we were told to do. We reapplied for a modification and sent in the updated information as per their request. XXXX from Capital one was the representative who was handling the complaint. He is no longer with the company when we called to get the status and we were told to reapply. Now we are {$12000.00} in the rears, this is a disgrace and predatory lending and fraud. Capital one is deceptive, racist and misleading. They have put people in a foreclosed state. They play games with their modification and cause people to go into foreclosure. We are going to the press and to the US JUSTICE DEPARTMENT ABOUT THE POOR MISLEADING, DECEPTIVE BUSINESS PRACTICES OF CAPITAL ONE. WE ARE FILING SEVERAL FEDERAL AND STATE COMPLAINTS AGAINST CAPITAL ONE AND HOPE YOUR COMPANY WILL DO SOMETHING TO HELP US AS CONSUMERS. The last time, they claimed was because of a notary and now they have NO REASON because they no longer have that employee so they chose to let us fall between the cracks. We were told by a XXXX on XXXX/XXXX/15 at approximately XXXX XXXX to fax in XXXX of my XX/XX/XXXX stubbs to get the modification reopened. I am faxed the check stubs tonight per her request and plan to call a man she referred to as XXXX. When I called back that same night, I spoke to a representative who told me to talk to a XXXX who is our caseworker who is working on our case. These stories and characters change with each phone call to capital one. We made sure this was well documented to use in case we sue capital one. I sincerely hope you will make them review and approve this modification and stop playing games. Its a disgrace. President obama put guidelines in place to protect consumers against these predatory practices and deceptive business practices with these fraudulent banks. I am a former elected official and I am not going to tolerate these unethical, fraudulent and deceptive business practices of with Capital One. Enough is enough.
Product: Debt collection

I called SENTRY CREDIT on my own accord in attempt to settle a debt owed. This account was opened XX/XX/2022 ( 5 months back from this complaint ). The telephone number that I reached in regard to this debt is XXXX. 

The attempt to settle this debt in the amount of {$3500.00} lump sum, had verbally been unapproved. My offer was a proactive decision made to come to a quick and reasonable resolution to clear the debt with SENTRY CREDIT. The lowest offer made by SENTRY CREDIT on XX/XX/2022 was in the amount of {$12000.00} which is 28.24 % more than the actual owed debt per court documents. I am declaring that SENTRY CREDIT has falsified documents and statement amounts and has posted an egregious amount totaled to be {$14000.00}. SENTRY CREDIT has also reported the debt as an individual responsibility when the debt should be a joint responsibility between me and one other party.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX 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 XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Updated : XX/XX/XXXX XXXX XXXX Balance {$660.00} XXXX XXXX Balance {$160.00} XXXX XXXX Balance {$70.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

American Express suspended my Bluebird account twice unexpectedly and leaving me without any recourse. It appears that American Express pays substandard wages to customer service representatives out of the United States who are unable to comprehend the complex banking regulations of the United States and limit the call interaction to a canned script. American Express alleged both times that I supposedly violated Section 22D from their member agreement. The first suspension was after I transferred {$55.00} from my checking account at another bank. I reported the attempted fraud from American Express to my checking account institution, prompting American Express to unblock the Bluebird account and I proceeded to inform my banking institution. During the suspension period, I investigated reviews from other customers and found that American Express suspends accounts for trivial reasons. So, after American Express restored my Bluebird account, I decided that it was best to spend the card balance immediately rather than allowing American Express to arbitrarily suspend my account again. My intuition was correct because American Express suspended my account the next day with {$0.00} remaining. It seems that prepaid cards are not strictly regulated as credit cards in the United States and American Express abuses the system.
Product: Debt collection

Simon Agency put a collection on my credit report without giving me a chance to validate debt. I did n't get a chance to see if it is mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The EXPERIAN AND XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : 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, Account number ( XXXX, Account type : Auto Loan, Midland Credit Management Account number ( XXXX Account type : Debt Buyer, Has violated my rights according to article ( 15 U.S.C 1681 section 602 A. ) states very clearly that I have the right to privacy ( 15 U.S.C 1681 section 604 A. ) also states ( A consumer reporting Agency can not furnish an account without my writing instructions. And article ( 15 U.S.C 1681 c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer reports containing any of the following items of information as well as any other adverse items of information, other than convictions of crimes which antedates the report by more than seven years. As well as article ( 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 or other personal consumer reports

I am writing to address the lack of response to my previous notice, dated XX/XX/2024, regarding the request for a copy of the 1099-C filed for the charged-off debt. XXXX  XXXX XXXX failure to provide a response leaves me no choice but to assume that you have neglected to comply with FEDERAL law by not filing a 1099-C as mandated. Consequently, I am compelled to inform you that I will report XXXX  XXXX XXXX XXXX XXXX IRS for potential tax fraud using Form XXXX if prompt action is not taken. 

Furthermore, it is imperative that you notify Experian, XXXX, and XXXX to delete this information from my credit report immediately. The account in question is detailed as follows : XXXX XXXX XXXX As per IRS regulations, a canceled debt of {$600.00} or more necessitates the filing of a 1099-C form by federal or government agencies, or applicable financial entities. Failure to comply with this requirement constitutes tax fraud, a serious offense that I will not hesitate to report to the IRS.

It is essential to understand that a canceled debt is considered ordinary income by the IRS. Consequently, any failure to file a 1099-C form, or any attempt to conceal such actions, constitutes inaccurate reporting. Income is not to be included on a credit report, and any such inclusion violates consumer laws and regulations. 

Your company 's actions are in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681s-2, which outlines the responsibilities of furnishers of information to consumer reporting agencies. Under this statute, it is prohibited to furnish inaccurate information knowingly or with reasonable cause to believe it is inaccurate. 

It is evident from my previous communication and this notice that there is reasonable cause to believe the information provided is inaccurate. Therefore, it is imperative that you take immediate steps to rectify this situation by deleting the inaccurate information from all consumer reporting agencies. 

Failure to comply will result in legal action being pursued, including holding the Creditor XXXX XXXX XXXX, accountable for willful noncompliance under 15 USC 1681n ( a ) ( 1 ) ( A ). This statute stipulates that any person who willfully fails to comply with FCRA requirements may be liable for damages sustained by the consumer.

I am currently in the process of securing housing, and the inaccurate information on my credit report is hindering my progress. I urge you to act swiftly and cease reporting this item to avoid further complications. 

I am currently in the process of securing housing, and the inaccurate information on my credit report is hindering my progress. I urge you to act swiftly and cease reporting this item to avoid further complications. Kindly delete this off my report immediately.
Product: Checking or savings account

XXXX XXXX XXXX over charged my cash app card, I noticed and filed a dispute and called XXXX XXXX XXXX. Got them to cancel the charge, which I have am email from them stating, and and confirmation number to show they sent it back. Cash app keeps saying they never received a refund, and keeps me going through the same process that gets me nowhere. This has been going on since XX/XX/XXXX. There's no supervision to help me, just people I can barley understand on the phone going through the same scripts, I really need some help
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is XXXX the loan was sold to another company for refinancing.When I had the loan I paid XXXX bill now the bill is showing up multiple times on all three credit bureau and being listed up to XXXX times on XXXX report.l called XXXX and they said I had multiple loans. I recall my last payment with them being in XXXX. They have it listed as XXXX ; which is incorrect.l have filed a dispute with all three credit bureaus and requested my payment history.They made a mistake and put the correct payment history up any the the time I went to print it out it had changed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I defaulted on a debt with XXXX XXXX way over a decade ago. After XXXX  years when this remained on my reports, I started disputing the report with the credit agencies. Instead of dropping from my report it keeps being sold and reaged. Please help!
Product: Bank account or service

ADDITIONAL INFORMATION RE : CFPB COMPLAINT # XXXX Dear Consumer Financial Protection Bureau, Yesterday, XXXX/XXXX/XXXX, I submitted a complaint regarding Union Bank. I wanted to add for your records that I have had XXXX major problems with this bank : 1 ) XXXX XXXX -- an unscrupulous debt collector, XXXX XXXX, an attorney in XXXX, XXXX, called me repeatedly at work over a very old credit card debt. In order to stop this harassment at my workplace, I very unwisely agreed to have $ XXXX/month payments taken out of my checking account. The original credit card debt was about {$500.00}. 
Sure enough, XXXX office took withdrawals of {$500.00} here, {$300.00} there, another {$500.00} there, etc. My bank account, much to my dismay, was completely cleaned out by XX/XX/XXXX. At least XXXX or XXXX checks bounced. My brother-in-law and I then met with a Union Bank officer, XXXX XXXX, in the XXXX, XXXX office in XXXX XXXX. I filed a claim with the bank, and said I had only agreed to {$100.00} per month deductions to XXXX. The Risk Management/Loss Prevention department at Union Bank headquarters in XXXX, XXXX denied my claim, however, as they said I had an oral agreement with XXXX. I expressed much concern over all of the unsigned, electronic drafts that were made to XXXX, even though I had never approved of any of those amounts. My protests were to no avail. I should have hired an attorney at the time, but I could not afford one. It was an extremely painful lesson. I did file an online complaint with the Attorney General of the State of XXXX, but I never heard anything back. 
2 ) XXXX XXXX - XXXX XXXX -- I received a new chip and pin debit card from Union Bank XX/XX/XXXX. The card did not work, however. My purchases were denied, and my automatic payments to XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX were also denied, which caused my auto insurance to be canceled twice. ( I pay the insurance on my car, and also on my mom 's car. ) I was then sent a second chip and pin card ... that card did not work either. I actually went five weeks without any kind of a working bank debit card. Finally, the president of Union Bank, in the XXXX, XXXX office, helped me resolve the problem. He had heard about my continued bank card problems through the Union Bank customer service center and/or the Consumer Financial Protection Bureau ; the bank president then had a new chip and pin card sent to me via overnight mail in XXXX XXXX. I did appreciate his assistance, as well as the CFPB 's assistance, with the matter, and decided not to change banks. 
XXXX ) XXXX XXXX -- I discovered that excessive checking account fees had been charged. I was never notified in advance of a {$30.00} per month bank charge for " having a low checking account balance. '' Please see CFPB complaint # XXXX. 
The third time is not really the charm with Union Bank ; however, before I switch banks, I would like to hear Union Bank 's response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is the only credit agency reporting that a closed Veterans Affairs account is in Collection status as of XXXX and XX/XX/XXXX. 

The account was closed back in XX/XX/XXXX as fully satisfied. I provided a letter from the VA confirming this status. 

I disputed it twice with Experian and on XX/XX/XXXX and XX/XX/XXXX they left the bogus monthly status as in collection for XXXX and XX/XX/XXXX. 

Also, the late status and collection for XXXX and XXXX is wrong. I was disputing the amount owed with Experian. I paid them the full amount that ultimately was owed. 

I did an appeal with the VA in XXXX which reversed the debt they incorrectly sent to collections and in fact received back some of my money.
Product: Credit card

I have a WalMart Credit Card that was suspended several years ago because WalMart refused to change the due day to the XXXX day of the month. I have been making {$50.00} per month payments on the XX/XX/XXXX of the month ( or by the XXXX day of the month ) and WalMart has charged a {$35.00} late fee each month, plus WalMart has charged a monthly " purchase fee '' each month, and the XXXX fees have effectively nullified my monthly payments. Today my current balance is more than it was back in XXXX 2013. I think WalMart is ripping me off, and I sent them an email letting them know that I was going to contact your agency, and that I will not make further payments until I receive a reply from you. I hope that you can help me because I have made payments sufficient to pay off my original balance. WalMart is ripping me off..! I think WalMart is guilty of some type of financial crime..!!! Please help me..!!!
Product: Credit reporting

CFPB Complaint Experian XXXX/XXXX/16 Account XXXX XXXX Filed a dispute with the CRA, XXXX XXXX shows account paid but failed to provide complete information. I than requested this information from XXXX XXXX the furnisher at the address provided on my credit report. ( See attached letter ) I sent this request certified and return receipt. XXXX XXXX reply was that they sold the account. ( See attached letter ) I sent my request to the only furnisher listed for this account, no other contact is provided on the Experian Credit Report, or any other credit report for this account, no address or other name. 

In the past I attempted to contact this other company XXXX XXXX, that XXXX XXXX keeps insisting I do. I sent a request to this other company certified/return receipt mail, they never responded to my direct dispute. They did however immediately take action to sue me. ( See CFPB complaint XXXX ) XXXX has already agreed to delete this account. CFPB Complaint # XXXX Company responded XXXX XXXX said : Explanation of closure Based on the complaint, XXXX XXXX XXXX # XXXX has been deleted from your XXXX credit report. In order to protect your privacy, we will mail an updated copy of your credit report as well as the full results of our reinvestigation, to the current address we have on file for you. You can expect to receive it in approximately 5 to 7 business days. If you have any further questions, please call us at XXXX, Monday-Friday, XXXX - XXXX ET. Please visit XXXX for frequently asked questions about your credit report. 
Relief We received your complaint about XXXX XXXX XXXX # XXXX in your credit report, and apologize for any difficulty you may have experienced. The item identified in your complaint has been deleted. 

Attached : letter direct dispute XXXX XXXX XXXX. Certified/return receipt/mail, Response from XXXX XXXX, Experian Credit report and this letter of this CFPB dispute
Product: Debt collection

Regional Acceptance Corp has caused me to be denied credit due to incorrect credit reporting. Incorrect information that they admitted was their fault but leaves me with XXXX Inquiries. RAC will fix but dont care that because of their incorrect reporting has caused me to have a lower score. Also they change the dates to make negative information seem recent rather then years ago.
Product: Debt collection

XXXX XXXX XXXX, and/or affiliated persons, demanded money from me that I do not owe. 

Specifics are given by the attachments. But generally, XXXX and those in privity with him, demand money for medical services,  which XXXX, et al., failed to obtain from my medical insurer, by XXXX 's own wrongful conduct. 

The services were preventive under 42 U.S.C. 300gg-13.  Nevertheless, XXXX and those in privity with him, failed to submit proper claims to complainant 's XXXX XXXX XXXX XXXX insurance plan. Instead, XXXX et al. proceeded with false statements of a debt, and attempts to deceive, harass, intimidate and coerce money out of someone who did not owe it. 

XXXX 's affiliated persons include " National Patient Account Services , Inc. '' ( or " NPAS, Inc. '' ) operating from and/or chartered by the States of Kentucky, Tennessee and/or Texas, and " XXXX XXXX XXXX XXXX, '' probably connected with the States of Oklahoma and Ohio ( see attachments, p. 3 ).