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

I submitted a payment of {$3000.00} on XX/XX/2022 to my Barclays credit card. 

The payment cleared from checking account with XXXX XXXX on XX/XX/2022. 

Barclays then, without my authorization, withdrew an additional unauthorized {$3000.00} on XX/XX/2022 - totaling {$6000.00}. 

I made several phone calls to my bank and to Barclays. Barclays kept blaming their own internal technical problems but offered no resolution. Their technology issues are not my issues, and the additional {$3000.00} that they withdrew without my authorization should not be held hostage while they fix their systems.
Product: Mortgage

I was using an agent XXXX and they were telling me I needed to use XXXX with Starkey Mortgage to get my loan. I asked the agent why I had to use them and I was told that the loan officer pays their marketing costs. It sounded fishy to me.
Product: Credit reporting or other personal consumer reports

Resurgent is currently trying to collect a debt, and placed inaccurate information from an account that was opened by another family member in my house while I was suffering with XXXX. Resurgent would CONTINUOSLY call me at all hours of the day, including Sunday, text me, and email me which turned into harrassment. Which, according to the FCRA 15 USC 1692 d, this is illegal.This family member is now deceased and I can not pay this debt which is not mine. I've disputed this on the credit bureaus, but all they've done is update.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions
Product: Student loan

I refinanced my student loans with Lendkey/XXXX XXXX XXXX XXXX. When I refinanced, I provided them with a account number to set-up automatic withdraws. After a few months, I received a email stating my account was delinquent due to non-payment. They attempted to withdraw funds from an account. After contacting them, it was discovered that they had the wrong account on file. The account they has was not a account of mines. My account is still showing delinquent after making a payment. I do not want this information to be reported to the credit bureau as XXXX was at fault for entering the wrong account information.
Product: Payday loan

XX/XX/2017, Received a phone call from a woman named XXXX she called from XXXX from XXXXX WI. She told me that she is trying to delay the warrant for my arrest. That I should call Chief Investigator XXXX Phone number XXXX and provide him with this case number XXXX. In fact, XXXX XXXX calls me at XXXX on XX/XX/2017. Tells me that they will be coming out to my house to arrest me at XXXX. XXXX, WI that may also take a while to have a judge see me due to my past record having Theft record, I said that was dismissed, I did not do anything. But if I want to take action in not going to jail. That I would have to pay {$1500.00} that he is going to transfer me to a person who will give me what I need to pay. He transferred me to a woman XXXX, she provided me with the information XXXX & it would go to XXXX. The Account number is XXXX, Routing number XXXX. I would need to call XXXX after the transaction is complete. So I call my attorney he advised me not to pay, Investigator the money. The Attorney did find any type of complaint filed. Also, the attorney stated that this was a new way to scam people for the money if he does call back. To ask him to send me a bill. As I was talking to the attorney I received a phone call from my cell I answered it and XXXX he called from this phone number XXXX XXXX County Sherriff he was going through with criminal complaint at the sheriff 's station.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX XXXX XXXX XXXX XXXX did a credit inquiry on my credit report and I don't do business or permit them to pull my credit without my knowledge. 

XXXX XXXX XXXX inquiry on my credit report on XX/XX/XXXX didn't authorize them to pull my credit report. I have a credit freeze on my report. 

XXXX XXXX XXXX didn't authorize this inquiry on XX/XX/XXXX I have a security freeze on my credit report how are they able to go on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the credit agencies to have these unauthorized inquiries removed from my report and there has been no adjustments to my report. Here are the hard inquiries listed below. 

- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I initially tried this gym membership for a total of about 5 days, for their online rate of {$1.00}. I was told by the owner of this establishment that if I had canceled for any reason before the due of first payment of {$54.00} that I would not be charged additionally, which I did. I canceled and despite unsubscribing I have been receiving numerous unwanted communications from these people, regarding this mystical owed amount of about {$54.00} and it soon to be reported to collections. 

First of all I want these people to stop contacting me, secondly I will not be paying any additional money for a gym membership that I used for 2 hours and then canceled shortly after.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to apply for a credit card an been denied to something missing on my credit report an being falsely reported deceased illegally cause me to be denied credit fair credit report agency act violation civil rights uptain credit an applying for credit place my credit in good standardan to approve my application an contact XXXX XXXX for a approve an fix this problem all credit report agency approve my application to uptain credit my date of birth was incorrect to stop me from having credit
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, ( XXXX, XXXX ), 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 a account without my written instructions
Product: Debt collection

I took out a {$5000.00} dollar loan in XX/XX/XXXX from XXXX XXXX. I took the money out to start my now very successful business. 

I made the payments on time every month until XXXXXX/XX/XXXX when I was called by a debt solution company about renegotiating my debt. I agreed to enter the program as I had already purchased my home and car so I didn't think it would be a bad idea. The debt solution company XXXX XXXX XXXX XXXX XXXX told me to treat it like a bankruptcy while they negotiated the outstanding balances lower. A month later I received a summons from Fradkin & Weber collection agency. The XXXX XXXX XXXX XXXX XXXX  company told me not to respond to it. I had an over 700 credit score at the time. Then F & W called me and threatened me and it made me extremely nervous. I was able to make the payments, it was never about not being able to make the payments so on XX/XX/XXXX I exited the debt program and made a payment to get up to date with XXXX. I made this payment at the XXXX MD branch off XXXX XXXX. I called F & W and asked what did I need to do to make the hearing go away. They sent me a form to fill out and fax back to them and I faxed it from a XXXX in XXXX PA. 

I found out later that they did not stop the hearing, and it went on and I did not show up to court and the judgment was awarded against me. I didn't have money to attain an attorney at the time and rather than go deeper into trouble with this agency I started making the requested payments to them. 

I made payments on time every single month for years. I then requested F & W to send me a payoff balance several times. All of my emails went unresponded to. I wanted to pay the remainder in full. No one got back to me. 

I had an automatic bill pay set up with my bank but I had switched banks. I missed two payments to F & W and they without my knowledge or permission pulled a large amount of money out of my bank account on XX/XX/XXXX This was way more than the balance owed. I have paid nearly 8000 dollars on this {$5000.00} loan. 

I have emailed them and called them repeatedly for an explanation and no one has responded. This place has turned my life upside down,
Product: Credit reporting or other personal consumer reports

FOR THE COMPANY TO DO WHAT IS FAIR TO ME AS THE CONSUMER AND REMOVE THE INACCURATE AND UNVERIFIABLE INFORMATION FROM MY REPORT.
Product: Checking or savings account

On XXXX XXXX XXXX my paycheck was deposited and with in minutes someone hacked my account and stole all my money that had been deposited.. I was driving down the road and pulled over in a parking lot frantic and called chime which I filed a dispute with. Within a few hours they came back and said they were allowing the transaction to go through and they found nothing suspicious! Ive never heard of th person who took my money and if they would look through my history they would see that but no they denied it and the dispute I filed the next day they denied and then denied the rebuttal against the disputes all within a few hours!!! Usually they take their time looking into the disputes but this one they have denied me 3 times and I dont understand!!! Ive been a customer for years and they have always stopped suspicious activity but they let someone take my whole paycheck without even wondering why like its ok??? Im so upset, Ive cried since XXXX and I dont know what Im going to do!! Please help
Product: Credit reporting or other personal consumer reports

Filed complaint with XXXX numerous times. 
Disputed directly with XXXX, Experian and XXXX with no resolution.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : {$1000.00} XXXX XXXX, XXXX. XXXX Balance : - XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

To whom it may concern : This issue is in regards to 3 different accounts. I have one credit card account that is showing up on my credit report, of which I disputed and asked for verification. I sent two Certified  letters. One dated XX/XX/XXXX and one dated X/XX/16 directly to the credit card company to dispute this particular account that is reflecting on my credit. I then also disputed directly with all three of the credit bureaus through a letter sent X/XX/16 since I did n't receive a proper response based on the reporting guidelines. I have two additional accounts that are my mom 's that I am listed on as an auth user. In response to my letters, these trade lines were taken off of my credit, and the one in question still remains, and then started to report monthly as being over limit. I have been working relentlessly through writing letters and calling to resolve the issue, but to no avail. My credit scores have since plummited and it is affecting my ability to obtain any kind of credit, and more importantly, close on a home. I am becoming very frustrated. Every time I call the company directly, there is a " report '' generated to look into the issue, but I 'm told it can take up to 90 days to resolve. Then when I call back to find out what the resolution is, it 's never resolved. It 's a constant run around.
Product: Checking or savings account

I bank with Capital One 360 and apparently there has been a glitch or technical issue which impacted me getting my payroll direct deposit. I have reached out to capital one several times regarding this issue and they either don't answer the phone, pick up and hang up or they are rude and can't seem to tell me why my check isn't being deposited or the eta of this problem being fixed. I work paycheck to paycheck. I count on my paycheck to be distributed when I get paid. This makes no sense. They should have something to say some sort of explanation because this isn't right!!!!
Product: Credit card or prepaid card

While I was traveling through XXXX, I stayed in XXXX for 3 days. 
On the night of XX/XX/2018 my card was charged several times for items I did not purchase. 

XXXX from XXXX XXXX XXXX XXXX from XXXX XXXX XXXX from XXXX XXXX I filed a dispute with Chase Bank regarding these charges which was not approved. So I filed a 2nd dispute which was also declined. The only information we were able to receive on how these decisions were made are a few receipts with chicken scratch signatures that not only do not look like my signature but look like random scribbles. I asked if they would send a report on how they came to their decisions to which they said they would be sending one in the mail. I never received any sort of report for any charge and am left assuming that they declined the disputes based on the signatures provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. The failure to respond has negatively impacted my credit and caused difficulties for m. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Product: Credit card

Got a call from a collection company saying i owed over XXXX dollars on a credit card i have never had
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and needs to CORRECT immediately : XXXX XXXX XXXX XXXX
Product: Debt collection

While caring for my mother in late XX/XX/XXXX, I contracted XXXX at XXXX XXXX which is now XXXX XXXX XXXX  XXXX I was admitted to the Florida XXXX in XXXX on XX/XX/XXXX. I spent two days at the XXXX the bill came up to {$120000.00} which my XXXX XXXXXXXX XXXX had paid. Now because of the wrong insurance billing code, the hospital billing staff should have used my other insurance which would have covered all charges without co-pay or deductible. I reached out to the Hospital when I received a bill for {$1300.00} I advised I should have not to pay anything either re-filled the claim with the correct insurance or absorb the charges I have not hurt anything since. On XX/XX/XXXX. I received a credit alert from my XXXX credit report service stating that the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have reported me for collection for unpaid debt. I reached to Florida XXXX XXXX XXXX Department I was told they have no record of me owing them money. The Laws of Debt Collection said they have paperwork of this debt owed to them. I want them to know this is an error I do not owe any money to XXXX XXXX or XXXX XXXX. Please remove this information from all my credit files. I called them again on XX/XX/XXXX they kept ( Florida XXXX XXXX XXXX ) giving me turn turnaround.
Product: Credit reporting or other personal consumer reports

LexisNexis reports innacurate information regarding my driving record. The innacuracies have cost me thousands of dollars in higher auto and boat insurance rates per year. I have called the sources of the information and they have verified the accuracy of my concerns. 

First issue is regarding CASE # : XXXX in the XXXX XXXX XXXX in XXXX, MI. The violation occured on XX/XX/XXXX. LexisNexis reports it as occuring on XX/XX/XXXX. 

The second issue is CASE # : XXXX in the XXXX XXXX XXXX in XXXX XXXX, MI. The violation was dismissed and I WAS NOT CONVICTED, yet LexisNexis INNACURATELY reports a Conviction of Traffic Violation. 

Furthermore, LexisNexis fails to report my education accurately, as I hold a Bachelors of Arts ( BA ) and a Masters of XXXX XXXX ( XXXX ) degrees. When I stated this information to the representative, their response was that I needed to contact AMERICAN STUDENT LIST at ( XXXX ) XXXX. The phone number is not a working number. A XXXX search for " XXXX XXXX XXXX '' produces a phone number XXXX and the recording says the company name is Deep Think. The number is primary for sales of their products and services. I have left messages twice and never received a call back. 

AM I NOT ALLOWED TO VERIFY INFORMATION THAT IS REPORTED ABOUT ME? 

ISN'T XXXX XXXX SUPPOSED TO PROVIDE ACCURATE INFORMATION ABOUT ME AND THE SOURCES FROM WHICH THEY DERIVE INFORMATION?
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

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 XXXX XXXXXX/XX/XXXX.
Product: Student loan

I am enrolled in Public Service Loan Forgiveness ( PSLF ), and I have been making on time payments since around XX/XX/XXXX when I enrolled into a income based repayment plan. Since XX/XX/XXXX I have worked, full-time, for qualifying institutions for PSLF, except for a month and half in between jobs in XX/XX/XXXX. 

1 ) XXXX XXXX : XX/XX/XXXX - XX/XX/XXXX [ 24 months ] 2 ) 501 ( c ) ( 3 ) - XXXX XXXX XXXX : XX/XX/XXXX - XX/XX/XXXX [ 15 months ] 3 ) 501 ( c ) ( 3 ) - XXXX XXXX XXXX : XX/XX/XXXX - Ongoing [ as of XX/XX/XXXX -- 12 months ] I have worked for qualifying institutions for a total of 51 months as of XX/XX/XXXX. I have been making on time payments since around XX/XX/XXXX when I enrolled into a income based repayment plan. I have re-certified my payment plan each year on time. However, for some unclear reason, the Dept of Ed only calculates around half of these payments. I have requested formal review by a supervisor at the Dept of Ed twice, and they have still not cleared this issue up. Please help.
Product: Debt collection

I have a a unverified account from ENHANCED RECOVERY COMPANY # XXXX. I had previously disputed this account. I have never done business withENHANCED RECOVERY COMPANY. Pursuant to the Fair Debt8 Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that ENHANCED RECOVERY COMPANY Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ENHANCED RECOVERY COMPANY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX. 

I recently received a copy of my credit report and found that this company is illegally reporting inaccurate information about me. The following alleged accounts is listed as a collection with a PAST DUE balance. This information is incorrect or fraudulent.
Product: Vehicle loan or lease

My credit report was dinged by Audi Financial Services unnecessarily. Audi Financial Services had my email address at XXXX, and was never able to contact me to let me know my payments were not going through. The reason my payments were not going through is because it is a company car that is paid for by our company, and our business changed bank accounts after being acquired. After the acquisition, I updated the bank information and made a payment, but Audi never informed me that autopay wouldn't be reenabled, which is ridiculous. i have made every payment on time on the same day every month, and no one ever even gave me the courtesy of telling me that my payments were not being made and that autopaid was turned off. Instead, they went straight to dinging my creditr report, which I didn't uncover until I went to apply for a home loan, for which I was denied purely because of the dings by Audi Financial Services. 

There were two payments that were late for XXXX and XXXX, and they were for about {$800.00} each. 

In the attached photo, I took a screen shot that shows Audi Financial Services had XXXX as my gmail. Any competent agency should know that the email domain XXXX XXXX '' is a typo ( on their end by the way when I leased the car ), and should have made an effort to find or fix the email address.
Product: Debt collection

From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX To : American Recovery Service Incorporated XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX Subject : This account is under the XXXX XXXX XXXX XXXX This is to notify you that this account is being processed by the XXXX XXXX XXXX XXXX and Ive been instructed to NOT make further monthly payments so that it can be negotiated and processed under the XXXX XXXX XXXX XXXX. This is my formal notice that this account # XXXX for {$1500.00} will be handled by XXXX Representatives. 

Thank you, XXXX XXXX
Product: Credit reporting

In reviewing my credit score online, I discovered a XXXX XXXX XXXX account that is not mine associated with my profile and a name and address that is also not mine associated with my profile. It seems as though someone else 's information has been associated with me.
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT. I WAS SHOCKED TO LEARN I HAVE BEEN A VICTIM OF IDENTITY THEFT. I FOUND NUMEROUS ACCOUNTS ON MY CREDIT REPORT THEY WERE NOT OPEN BY ME. THIS HAS BEEN HURTING ME AS I AM IN THE PROCESS OF BUYING A HOME FOR MY FAMILY. PLEASE REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT AS SOON AS POSSIBLE. THE FOLLOWING INFORMATION DOES NOT BELONG TO ME EITHER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

After careful review of my consumer report, I noticed inquires from companies that was never granted my approval to obtain a copy of my report. Please see the following inquiries : XXXX XXXXXXXX XXXX XXXXXXXX