23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX XXXX Barclay denied a credit charge of {$2000.00}. When I called them to let them know that I was paying a contractor for the work done by the name XXXX XXXX they then approved the charge 0f {$20000.00}, putting me way way over my credit limit. ( XXXX has a recording of this conversation ). The contracrator made up a fraudulent charge of {$18000.00} more, The total amount was not clearly visible on the phone. ( XXXX XXXX ). I have gone back & forth with XXXX Barclay but they have refused to accept any responsibility for their grievous error which is solely on their part. 
I have made the high minimum payments for almost two years hoping they will see my side & not to let it effect my credit. 
My Total balance as of XX/XX/XXXX statement is {$29000.00} Fradulent Charge due to XXXX error ( {$18000.00} ) High Minimum payments made from XXXX thru XXXX ( {$9600.00} ) Late Fee & interest charged?

Real Balance Owed {$1400.00} I have sent them two letters on XX/XX/XXXX & XX/XX/XXXX along with one Certified Mail. Upon talking to them they asked me for a two cycle time period to evaluate & make a decision. I have yet to hear from them. The person I talked to told me that my account has been charge off.

This whole thing has affected my Credit Score to sink to a new low from the high 800 score. I would very much like XXXX Barklay to accept their error in the poor decision they made, restore my credit & give me a letter of accepting {$1400.00} as payment in full so I can pay and put this matter behind us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to this company numerous times and I have yet to get any response from them regarding a bankruptcy they are reporting on my reports.
Product: Vehicle loan or lease

XX/XX/2020 I recieved an NOI letter from Wells Fargo Dealer Services. The letter has an order of steps required to reinstate or Redeem your vehicle after repossession. Borrowers are required to obtain a reciept for cost of filing from the Sheriff 's and lists the sherriffs headquarters address. Letter is attached. THIS IS FRAUD. The sheriff 's do not file repossession reports. Sending borrowers to obtain a reciept from an agency and address that is not valid resulting in failure to reinstate or Redeem vehicle is unethical and dirty, even for Wells Fargo. Why make us run in circles just take the vehicle and say XXXX CA law. 

Being that I only had 12 days before my truck was to be sold, NOT 15, I called Wells Fargo in a panic trying to get more information on how to obtain this receipt and they were unable to provide me with an alternative ... .... which IS FRAUD. I was required to obtain a reciept for cost of filing that is a non-existent filing because sherriffs DO NOT file repossessions. 

Requiring borrowers to obtain a reciept that does not exist, before they reinstate or Redeem their vehicle is not possible and would certainly result in Wells Fargo stealing vehicles. 

Wells Fargo tried to blame their NOI Letter on the repossession agency. As if the repossession agency sent the NOI Letter. Wells Fargo will not accept fault for this meaning they are actively stealing vehicles.
Product: Checking or savings account

XX/XX/XXXX a check for the amount of ( {$1400.00} ) was deposited in my bank account thru an atm with my card that was lost which I didnt know until XX/XX/XXXX when I called and filed a complaint with the bank about that check. My job deposited my check on XX/XX/XXXX but it got rejected due to my account being locked. I requested my employer to deposit my check in my other account and for some reason they did it again thru CHASE and now that I need my money to pay rent and my car note and I cant do anything now due to this Ill have to pay late fees on my car note and my landlord gave me 10 days to pay. Chase customer service advice me to go to a bank and take out my money when I get there. Employees tell me I cant do anything until it gets resolved in 15 days. I need this money to make my ends meet this week.
Product: Mortgage

Started application process in XX/XX/2019 summited everything needed including paying for appraisal, my old mortgage company was removed from my homeowners insurance by them without my knowdege, like everything was okay with loan, two Hard Inquiry was pulled on my credit report which lowered my FICO score, was told by company everything was fine he had lenders approval letter that we should be ready to close soon then I stopped hearing from him. It is now XXXX the title closing office also stated she can not get in contact with him. They were ready to " CLOSE '' I asked for a letter of denial if we weren't going on with the loan I get this email not signed by anyone, not on company letterhead etc.. form had that I was denied due to " non proof of employment '' would not have gotten this but I asked nothing was mailed. A CPA had sent information earlier on this, I had other times I feel remarks or questions were due to my race., " why do you have two bank accounts '' giving me the impression blacks should not have two .I have text message. Amount of refinance was {$140000.00}. My home appraised for {$230000.00} with only {$85000.00} left on mortgage.
Product: Credit reporting or other personal consumer reports

I didnt apply for anything with XXXX XXXX you will see there are no accounts with them. 
All these inquiries happened in a short period of time. During the data breach period. 
I filed a complaint to have these inquiries removed. All XXXX inquiries need to be removed or proof of application needs to be provided. All show on my Equifax credit report only.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX SS # : XXXX Date of Birth : XX/XX/1983 Dear Sir/Madam, I am writing to dispute the negative items that appear on my credit report from your company. I am emotionally distressed by the presence of these accounts, which have negatively impacted my credit score and have made it difficult for me to obtain credit. 

Firstly, I dispute the charge off account from XXXX  XXXX ( XXXX ) and the late payment account from XXXX  XXXX ( XXXX ). I believe that these accounts were not accurately reported and do not reflect my creditworthiness. Furthermore, I am requesting that these accounts be removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

Secondly, I dispute the charge off account from XXXX XXXX XXXXXXXX ( XXXX ), the collection account from XXXX XXXX XXXX ( XXXX ), and the charge off account from XXXX ( XXXX ). I am unaware of these accounts and have not received any notification or correspondence regarding them. I am requesting that these accounts be investigated and removed from my credit report if they are found to be inaccurate or fraudulent. 

Thirdly, I dispute the charge off account from XXXX XXXX XXXX ( XXXX ), the late payment account from XXXX XXXX XXXX ), and the charge off account from XXXX ( XXXX ). I believe that these accounts were reported inaccurately and do not reflect my creditworthiness. I am requesting that these accounts be removed from my credit report in accordance with the FCRA. 

Lastly, I dispute the charge off account from XXXX ( XXXX ), the late payment account from XXXX ( XXXX ), the charge off account from XXXX XXXX XXXX ( XXXX ), and the charge off account from XXXX XXXX ( XXXX XXXX. I believe that these accounts were reported inaccurately and I am requesting that these accounts be removed from my credit report in accordance with the FCRA. 



I urge you to investigate these matters thoroughly and respond to me in writing with your findings. I am confident that these disputes can be resolved in a timely and fair manner in accordance with the law. 



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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2023 Dispute of Inaccurate Information on My Credit Report To Whom It May Concern, I am writing to dispute certain items on my credit report that I believe are inaccurate and should be investigated and removed in accordance with the Fair Credit Reporting Act ( FCRA ). I have attached a copy of my credit report highlighting the disputed items for your reference. I have also asked all XXXX bureaus to correct my personal information. My name and it's correct spelling, my date of birth, my address and employer... I also asked for all other incorrect personal information be deleted and removed from my credit report.
Product: Credit reporting or other personal consumer reports

As of today, I have been lock out of my credit bureaus due to fraud. The credit bureaus have allowed fraudulent individuals to lock me out using names and addresses that are unknown to me. l currently live in California, but my records show me living in Kansas, a place I've never resided in additionally, there is a Texas address. I have a list of addresses in California where I have never lived as well. There is a list of names that I do not recognize, and someone is using them as aliases under my name, which I have never used before. I have tried calling the credit bureaus, but they have not provided me with any information. The fraudulent party has managed to call and change my actual telephone number, which complicates matters further. I am seeking help to resolve this issue because I am unable to access my credit. Thank You for any assistance you can provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

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 XXXXXXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. 605 ( 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 ) Section : 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

On XX/XX/XXXX I mailed a correspondence to XXXX XXXX XXXX due to the fact that XXXX XXXX XXXX was reporting a debt ( alleged account number truncated from credit report XXXX ) and outstanding balance of on my credit report, which is completely in error and false. My correspondence was received by XXXX XXXX XXXX on XX/XX/XXXX per USPS tracking number XXXX XXXX XXXX XXXX XXXX and signed for by a representative of XXXX XXXX XXXX XXXX per the return receipt received by me ( XXXX XXXX ). The reason for this correspondence was to have XXXXXXXX XXXX XXXXXXXX cease and desist reporting to the credit bureaus until this alleged debt can be lawfully verified. I provided 30 days to XXXXXXXX XXXX XXXX for a response ; it is well past 30 days with no response from XXXX XXXX XXXX. I have attached a copy of this correspondence in this complaint to ensure that it is on record that XXXX XXXX XXXX did receive my correspondence twice, one in the mail and one through this complaint. According to my credit report this item/account was still being reported as  of XX/XX/XXXX well after receiving my correspondence, so XXXX XXXX XXXX apparently has decided to ignore my correspondence but continue to report false information on my credit file. If XXXX XXXX XXXX continues to violate the law, I will pursue litigation and seek full damages for the injury they have caused me and continue to cause me by defaming my name and character.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have had a Capitol One BUYPOWER business card for over 20 years. It has accumulated {$190.00} in rewards earningsover the years. The only way you can redeem this reward money is to buy a new XXXX Vehicle. On XX/XX/19 I purchased a new XXXX XXXX XXXX from XXXX XXXX   XXXX in XXXX, GA. They tried to access my rewards from the card for over an hour. They even called and stayed on hold forever and couldn't get anyone at Capitol One. I called Capital One the next morning around XXXX and after waiting quite some time, talked with XXXX. I explained the problem to her and she said the were very busy at the time the dealership was trying to complete my transaction. She also told me that there was no way to get my {$190.00} in rewards unless I get the dealer to redo all the paperwork and start over with the deal!!! I explained to her that the deal was done and the financing was in place and that the dealer wasn't going to cancel the deal and redo the paperwork for less than 200 bucks. She said that's the only way I can get my rewards money. This is wrong! I shouldn't be penalized because they were busy! It took years to build up that reward money and they want to make it so hard to get that you will just give up.
Product: Credit card or prepaid card

There is a Credit card open in my name with the company Barclays. I have never opened a card with Barclays. Someone must have stolen information of mine and created a credit card with it. I have attempted to call Barclays numerous times and they do not answer. This credit card should not be charged to me because I own no credit card. I wasnt even 18 at the time that the credit card was opened in my name.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX | DOB : XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please be advised that this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my XXXX dispute letters that you have verified that the items listed below are accurate but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not and did not verify any of the disputed accounts like you said you did. Your failure to delete the disputed accounts that you can not verify after XXXX written requests is also evidence of your willful disregard of Federal Law.

When we go to litigation and through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you dont have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and the Court will order you to delete them.

You say that you have reinvestigated these accounts but youve admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of 1681 ( a ) ( 4 ).

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law. 

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I request that you do this immediately.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand that you delete all of the accounts listed below immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted. 
XXXX. Name of Account : XXXXXXXX XXXX XXXXXXXX - - XXXX. Name of Account : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Name of Account : XXXX XXXX Thanking you in advance for your anticipated quick co-operation on this matter. 
Thank you, - XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and noticed that Equifax was reporting  XXXX  tax liens. I then sent dispute letters to Equifax to get verification of these tax liens that are showing on my credit report. I received letters back from Equifax stating that these liens had been verified. I immediately placed a call to the courthouses and verified that they do not report to Credit Bureaus so I requested the method of verification since Under FCRA,  sec 611 ( a ) ( 6 ) and ( 7 ) I have the  right to request the method of verification from the credit bureau. And if they can provide me with the information they need to remove this tax lien.     I have yet to receive this information
Product: Credit card or prepaid card

Citi Bank through Bestbuy have charged me a total of {$41.00} in four different charges on XX/XX/XXXX {$2.00}, XX/XX/XXXX {$13.00}, XX/XX/XXXX {$12.00}, and XX/XX/XXXX {$13.00} for debt protection. 

They previously were required to refund me over {$150.00} for these same charges in XX/XX/XXXX when the CFPB required they reimburse {$700.00} XXXX dollars and pay a fine of {$70.00} XXXX. 

Citi Bank continues to add these unwanted and non-requested services to accounts. 

I spoke with them today and they claim i signed up for this service in XX/XX/XXXX and claim to be sending me a signed form. 

They also stated they would cancel the service and refund my money.
Product: Credit card or prepaid card

I opened a Capital One Quicksilver account on XX/XX/XXXX ; Capital One 's website stated that the card has no fees, 1.5 % cash back, and clients receive a {$150.00} cash back bonus if they spend {$500.00} within the first 3 months. I met the minimum spend criteria within the first months, then waited for two additional quarters to see if the bonus would be credited to my account, which it was not. I called today to inquire about this and spoke to a supervisor named XXXX, who told me that the bonus did not apply to me because I already had an account with them and was an existing Capital One customer, and directed me to the portion of the website that says " offer MAY not be available for existing or previous accountholders ''. This language is important because it does not say " offer does not apply to existing customers '' and implies that there are other criteria. If Capital one is advertising this bonus for some account holders but not others, but in action denying the bonus to all existing account holders then this is false advertising. Furthermore, this has bearing on whether clients sign up for this card because it is purposefully misleading in its language.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and 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 the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX VA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXXXXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX : {$410.00}, XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$970.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX NA XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

This company calls at least 4 or 5 times daily and leaves the same message. I finally called them back on XX/XX/2024 to see what was the debt and he told me. I told him that I was going to pay it on my next pay date or when I received my tax refund which would be sometime in XXXX and I tried telling him to stop the calls but he started yelling at me and did not want to listen to reason so I hung up on him. The company name is Sequium Asset Solutions. Unfortunately I did not get the persons name. I would like for this company to quit calling me.
Product: Credit reporting or other personal consumer reports

In accordance with FCRA 1681 ( e ) ( b ), the credit bureau, in this situation Transunion will follow reasonable procedures to assure maximum possibility of accuracy. Transunion has been continuously reporting XXXXXXXX XXXX charge-off after reporting paid in full and deleting XXXX from my credit and then putting it back on. I would like to know how Transunion could report a charge off monthly from XXXX? One I have provided a payoff letter, and a title received from XXXX, two a charge off happens once not every month.
Product: Credit reporting or other personal consumer reports

Company states account was not written off nor closed account. However account is being reported on my credit report as a charged off account. Company states the account is open and was never written off as tax debt.