23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Greetings, today I received my statement from Barclsycard and noticed how high my interest rate is. I 've been paying on this credit card fir a white, without any other purchases. 
Yet the amount owning is not going down, so I spoke to a manager named XXXX who could n't answer my question as to why they could n't lower my interest rate. XXXX then transferred me to XXXX supervisor who basically gave he the same bull. They gave my interest rate at 22.4 %. Which I find outrageous. They make it impossible for consumers to pay off the debt by keeping the interest rate high. When asked why they could n't lower my interest rate? I was told they could explain why. I 'm requesting that Barclaycard lower my interest rate immediately. I have been a great customer to barclaycard, I have never been Late on my payment. I was told by the sales agent when I applied for the credit card that my interest rate would be 10 % because of my great credit score. I found out later that was a Lie. I 'm requesting that Barclaycard lower my interest rate, so I can get this credit card paid off. The account number ending in XXXX.
Product: Credit card or prepaid card

XXXX ( a Wells Fargo Credit Card / Financial product ) runs a fraudulent " rent payment '' program via its mobile application platform. For now two months in a row, I used their platform to issue a rent payment to my landlord. The rent in question is {$6500.00}. 

- On XX/XX/2023, I initiated the {$6500.00} rent payment on the XXXX XXXX. XXXX withdrew via ACH, on XX/XX/2023, from my XXXX bank account, the amount in full. 

- On XX/XX/2023, XXXX charged my XXXX credit card, without my consent and authorization, and fraudulently, for {$6500.00}. I noticed the charge a few days thereafter, reached out to customer service and they agreed to remove the charge. Had I not noticed the charge, XXXX would have enriched itself fraudulently by double charging me for rent. 

- The additional, fraudulent charge of {$6500.00} on my credit card statement caused a precipitous decline in my credit score, for overusage of credit lines ( the document attached shows my credit score being reduced by over XXXX points, and my credit usage at 333 % due to this charge ). Since this charge is fraudulent, and not my responsibility, I demand that XXXX rectify the disastrous effects this has placed to my credit score, my ability to secure credit, and the work it will require to rebuild my credit to satisfactory levels. 

- On XX/XX/2023, I initiated a the same {$6500.00} rent payment on the XXXX XXXX. XXXX withdrew via XXXX, on XX/XX/2023, from my XXXX XXXX account, the amount in full. 

- Unbelievably, on XX/XX/2023, XXXX charged my XXXX credit card again, without my consent and authorization, and fraudulently, for {$6500.00}. I am in the process of getting this charged removed. 


It is clear, based on two months of evidence, that XXXX operates a fraudulent " rent payment '' scheme and the CFPB should intervene, stop the program, and ensure that every person who used it has not been double charged. The CFPB should demand full accountability, and damages to every renter affected.
Product: Credit reporting or other personal consumer reports

upon reviewing my consumer reports, I discovered some issues where late payments on an account which I always maintained timely payments. consumer reporting agencies play a role in accurately reporting consumer information I have never missed a payment for the following account ( KIKOFF LENDING LLC ) ACCT # XXXX I request a investigation in to these issues & urge you to provide evidence such a statements demonstrating lateness of these payments if unable to provide proof I demand that these payments be promptly updated to reflect there true status as on time or simply removed from my credit report
Product: Debt collection

I had applied for Financial Hardship for my ER visit at XXXX XXXX in XXXX XXXX in XX/XX/XXXX. 

I then received a mailed bill on XX/XX/XXXX with a total amount due of {$16.00}, which I paid. 

I had been asked to resubmit my tax returns in XX/XX/XXXX which I did. I emailed them to one XXXX XXXX at XXXX. 

I had called the XXXX offices and spoken to XXXX XXXX in XX/XX/XXXX and was told that my debt was settled. I had received no mail from XXXX XXXX or any debt collectors regarding this debt until I received a call from Progressive Management Systems on XX/XX/XXXX, saying that I owed this debt having paid only {$50.00} of it in XXXX, which makes absolutely no sense. 

I had just settled another debt with Progressive less than a month prior for XXXX Hospital. I had never been given documentation that they held this XXXX XXXX debt or that it had even gone to collections. While I had been going through the debt collection of XXXX NO ONE had made mention that I owed another debt. It was only after they took my money that this debt magically appeared.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX  XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX  Acc. # XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acc. # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX Acc. # XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX 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 that a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C. 1681c ( a ) ( 5 ) - Section states : No consumer reporting agency may make any consumer report containing of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( a ) ( 1 ) - A person shall not furnish any information relating to a consumer to any consumer reporting agency, if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with SYNCB/SPORT, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ), and ( Original Creditor : XXXX XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, SYNCB/SPORT, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ), and ( Original Creditor : XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX XXXX XXXX XXXX ( Original Creditors is XXXX XXXX  ) This collection account is reporting as Open and that is illegal and hurting my approval chances. 


XXXX XXXX XXXX Account # XXXX This collection account is also reporting as open and is illegal
Product: Credit reporting or other personal consumer reports

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

Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today ( XX/XX/2021 ) I got a letter from a company saying I owe {$58.00}. So, I called them, lady answers and I say, I have a letter stating I owe a debt. I believe beyond a shadow of a doubt that this debt is not mines and the lady hung up the phone. I called back and she hung up again. I called back and did not get through to anyone. In addition, to this stressful letter that states they say they wont sue me for it or report it to the credit bureaus because its so old. But of course I dont believe them Thx a lot
Product: Credit card

I noticed a new account appear on my XX/XX/XXXX account. I then called XXXX fraud department and spoke with them as I did not apply for the XX/XX/XXXX card and they applied on XX/XX/2023. XXXX advised me that they will cancel this card and to reach out XX/XX/XXXXXX/XX/XXXX andXX/XX/XXXXto obtain alert. On XX/XX/XXXX I a alert that a Capital One inquiry was noted on my credit report and some had just applied for a credit card. I reached out to capital one and cancelled the application and reported it as fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified account listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau 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 remove this account completely from my Credit Reports : XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX XXXXXXXX XXXX  XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX XXXXXXXX XXXX XXXXXXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$490.00} Closed XXXX XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX / XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed
Product: Money transfer, virtual currency, or money service

on XX/XX/2017 we sent {$1200.00} to XXXX with the company " XXXX XXXX XXXX ''. the company charges us {$12.00} as a transfer fee so total for transaction was {$1300.00} usd. When we send money usually the person that picks up the money in XXXX has to sign for the money and show their ID. when my niece went to pick up and claim for the money the company told her that the money had already been picked up at a different city. ( same company but different city/branch ) how is this possible? my niece did not pick up the money from this company. complete scam fraud. this is not money that had been given to me as a gift, we have worked hard to save this money. how is it so easy for this company to just say, " it was delivered and signed for ''. we then opened a claim with XXXX and after waiting over a month they come back and said., it was picked up and they can't do anything about it.
Product: Debt collection

I contacted AmerAssist A/R Solutions to delete a collection off of my credit report and was provided with a resolution to make a payment to delete off my report. After my payment, the collection was not deleted. 

I contact their office and left a VM that was never returned. I later spoke to a representative who transferred me to 3 different people who were unable to listen or resolve any issues. The first person listened but the issue was outside of her control. The second person was extremely rude without taking the time to even listen she already was screaming for no apparent reason. The last representative transferred me to a VM line to get rid of my call. They offered to abide by their initial agreement but only if I made an additional payment which is completely unethical. I left a VM on the line that I was transferred to which again has resulted in no resolution. 

AmerAssist A/R Solutions has deceived their client by providing misinformation and then back peddling on their promises. I am requesting a letter/email confirming this collection is deleted from my report. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery is reportinig inaccurately on my credit report. There are several accounts that are not mine.This debt is showing from XX/XX/XXXX but I never received anything from them stating it was my account. I disputed with the credit bureaus and it was updated fraudulently with XX/XX/XXXX dates. I have no recollection of this debt and want it removed immediately from my credit report. I sent a certified letter last month no response as of yet.
Product: Money transfer, virtual currency, or money service

Reference cfpb complaint : XXXX. PayPal did not act in good faith. They are responsible for scam, fraud, unauthorized transactions, gift card, etc. 

In PayPal 's response they admitted that the transactions were unauthorized, they were not responsible for the gift cards and blamed th activity on a third party. 

I initiated the call to PayPal at XXXX to see who was the third party using my account. the rep said they had to update the program on my computer. From there they started depositing large amounts of money in my bank account and instructed me to go purchase XXXX XXXX XXXX and read the numbers back to them at another phone number which was XXXX or XXXX. I fell for that the first time. When I refused to do so again, the supervisor was put on the phone ( mine you this was all from PayPal - not a third party ) an deposited a larger amount of money, then order more gift card through XXXX ( unauthorized ) .At the same time they were trying to withdraw funds from my credit card ( unauthorized ) .After all of that Paypal would sent me an email saying " transaction error '' after they though the accomplished financial gain. Whos to say those were not dummy accounts. Either way PayPal wanted financial gain off of someone else 's loss. PayPal, also never answered my question " who was the third party using my account? '' I made no transactions or sells. Nor do I sell the products they claimed was sold. If they are not responsible for what a third party did, then I should not be responsible either. So why should they want money if they did not do the transaction. 

My computer history says a transactions was done by PayPal, not third party. 

I am not responsible for any negative charges, due to fraud and scam. 

PayPal did illegal transactions - Everything was unauthorized. Scamming employees, workers. 

PayPal did not act in good faith. PayPal scammed, did unauthorized transactions, committed fraud, and is still committing fraud. 

There should be a further investigation and a shutdown. They have no right to withhold, use or have access to other people 's funds without a valid reason. Theft. 

If they would not have ask me to commit a crime, then their contracts are legal. but once they asked me to commit a crime, their contracts became null and void. That is law. 
*note, by asking for me to commit a crime, I can also ask for punitive damages. When they did that, it opened them up to being liable Refer to Complaint : complaint : XXXX
Product: Credit reporting or other personal consumer reports

I have contacted Transunion in regards to my credit file and informed them that there are several items that do not belong to me and after providing them an ftc report containing the items they have not removed the items from my report within the timeframe required by an identity theft dispute
Product: Checking or savings account

XXXX As I had an appointment time XXXX I XXXX Wells fargo bank XXXX XXXX XXXX They made me waiting over30min time is money I got banker man XXXX I show him ID bank other statements Debit card and asked open account of Wells Fargo, he asked me job XXXX XXXX answered I work at XXXX got XXXX calls that time I couldn't answered some calls but I realized I spent XXXX at the bank I had to go for work. 
I asked him please faster and how min I left for done, but this dark skin XXXX hair man not happy for that but they wasted my time XXXX for waiting even if I had an appointment. 
I had to say I have to go after he came back from processing my ID and Debit card for copy room. 
He said " OK bye bye '' for good. '' I was wondering simply bye bye and gave my ID back so. I was plan come back another time and next day I got XXXX mail XXXX appointment and I made an appointment XXXX XXXX of XX/XX/2023 again with other email and different phone number because they canceled again again when I was heading that location. 
I found out their computer screen shown my ID photo and Debit card As a blocking As a customer. I was talking manager she said I can't opening account forever this Wells Fargo but go other bank and ask. That's shocking me still. What did wrong? Why they have my XXXX still even if I m not opening account and why can't verifying my status? 
I have no problem they treated me as a criminal ID and Debit card on their computer system as a blocking something can't open Wells Fargo forever WHY? It's so mad me and depressed and shocking. 
They have no right to have my DATA on their computer system blocking photo treats.i want remove all my ID PHOTOS AND DEBIT CARD PHOTO.
Product: Payday loan, title loan, or personal loan

I took out a personal loan from Sofi and set up an auto pay to avail of a 0.25 % reduction for all payments made using the Auto Payment feature. I was asked to submit a copy of a void check as part of the authorization process which I did on XXXX XXXX, 2021. The loan amount was disbursed last XXXX XXXX. 

Today, I received a notification from Sofi that my payment did not go through citing an incorrect routing number for my bank account and thus, my payment is not qualified for a 0.25 % reduction. I am actually reported delinquent in payment which made my credit score drop to XXXX from previous XXXX. 

The routing number in their system was completely different from the routing number on my check and the one I entered. I find this very disturbing because, first, I only possess one bank account and second, it would appear that I made up a routing number. 

I think this incident is deliberate to make consumer fall behind payments and/or guarantee for them not to get the discount on interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company reporting to credit reporting companies This account isnt mine. There not able to provide proof of ownership. None of there information is correct. 
XXXX XXXX XXXX is reporting a account charge off. Ive never had a XXXX XXXX XXXX card This account appears been opened online none of information matches mine
Product: Credit reporting

I have disputed several times the following items which are PAST THE STATUTE OF LIMITATIONS AND THE CREDIT REPORTING AGENCIES ARE LISTING INACCURATE DATA WHICH VIOLATES MY RIGHTS ON THE FOLLOWING XXXX/XXXX # XXXX XXXX XXXX/XXXX # XXXX original DLA is PAST THE STATUTE OF LIMITATIONS XXXX XXXX # XXXX {$46000.00} XXXX # XXXX Original DLA is PAST THE STATUTE OF LIMITATIONS XXXXXXXX # XXXX $ XXXX DUPLICATION AND PAST THE STATUTE OF LIMITATIONS XXXX XXXX # XXXX XXXX PAST DUE $ XXXX DUPLICATE AND PAST THE STATUTE OF LIMITATIONS XXXX # XXXX ORIGINAL DLA IS PAST THE STATUTE
Product: Credit card

I filed a credit card dispute with USAA federal savings bank on XXXX XXXXXX/XX/year>2024 for {$3500.00}. The {$3500.00} was paid to an online travel agency for services never received. USAA closed my dispute due to error on their part. The dispute department sent me a letter saying they never received my supporting information however I submitted the supporting documentation to the documents upload online on XXXX XXXX along with the dispute. I called when a letter was received closing dispute. The agent looked in my documents upload and saw the documents submitted and told me to resubmit them and USAA would reopen the dispute.
Product: Mortgage

XXXX XX/XX/2016, I applied for a refinance with Amerisave Mortgage. I submitted all requested document in a timely manner but every time I fulfilled the request, Amerisave would request more documents. On several occasions I requested the underwriter or processor at Amerisave call me with any concerns but they did not. Moving forward, on XX/XX/XXXX, we still had not closed on my refinance so I tried another lender. Since I already had a FHA Appraisal, the new lender informed me to requested Amerisave to send them an Appraisal Release Letter. Amerisave has not drafted the letter stating the middle man XXXX or the Appraisal company would have to draft the letter. Both of those parties state, they are unable to process that request because Amerisave requested the appraisal. Based on what I have learned in the process ( from mortgage companies, XXXX, and the appraisal company ), the Appraisal Release Letter is a standard industry practice. I am asking for your help with this process. Thanks in advance for all your help. 

XXXX XXXX
Product: Checking or savings account

Ive tried 2 or 3 times to open an account with this bank in the past 2 years and was denied. I was completely confused when I closed the account on good terms. Never had an overdraft, this was at the time I found out of the data breach on my business Tax ID XXXX that cant be found and of course I was receiving child support from my daughter XXXX XXXX XXXX from her dad XXXX XXXX XXXX back in XXXX before closing it. Finding out me and my kids had been victims of crimes I couldnt afford an attorney to assist in fighting for our civil rights privacy rights etc. Not only have I been denied opening an account with this bank but I realized every since SSA sent me and my daughter social with just our first and last name ( XXXX ) my son keeping his middle name my drivers license issued on XX/XX/XXXX was replaced with a another drivers license with my face but the issued date is wrong using just my first and last name only not the drivers license with just first middle and last name. Im well aware that my IP has been intercepted foul business practices has been taken against me due to being framed before I realized me and my kids information was exposed illegally since before XXXX when I found out we were victims of ID theft. XXXX XXXX has my name spelled XXXX XXXX XXXX I am just XXXX the dectectice found reports under XXXX XXXX XXXX and Ive never been married.nor used my son father last name for anything. I noticed XXXX XXXX had reported my info used at XXXX XXXX  XXXX  XXXX XXXX, all medical debt is linked to this address XXXX   has my daughter and my son XXXX XXXX XXXX and my name linked to XXXX XXXX XXXX  just our first and last name as if XXXX XXXX XXXX  and XXXX XXXX XXXX are two separate people. I dont care what records shows Ive been framed for financial fraud with XXXX  XXXX XXXX Wells Fargo and possibly XXXX XXXX XXXX Ive been trying to get an opened account with. XXXX reporting to other creditors I dont have kids is false misleading and misrepresentation of my home and my household. I have had 2 kids since their birth. XXXX XXXX doesnt show the birth of my son any longer as if I never had him but its been there since XXXX. XXXX XXXX XXXX shows false records of time me being incarcerated as if they are covering up for someone running from the law someone impersonating me and my kids. Ive been denied rights to my kids records and Ive never EVER DONE NOTHING TO HARM OR CAUSE HARM TO MY KIDS PERIOD.