23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am writing to formally lodge a complaint regarding the significant and ongoing issues I have faced with my XXXX Credit Card issued by Barclays Bank. Since obtaining this card, I have encountered persistent problems that have caused me substantial inconvenience, financial disruption, and emotional hardship. Despite multiple attempts to resolve these matters directly with Barclays Bank, the issues remain unresolved. I am now seeking your intervention to ensure that Barclays is held accountable for their unfair practices. 

1. Repeated Requests for Name Change Documentation Upon receiving my XXXX Credit Card, I promptly submitted the required documentation to update my name on the account. Barclays Bank instructed me to submit the documentation via fax, which I found to be an unnecessarily outdated and burdensome process, especially given the availability of more modern, accessible, and secure options. Nevertheless, I complied and submitted the documentation as requested. 

Despite this, Barclays Bank has repeatedly requested the same name change documentation, causing undue frustration and confusion. Each time I have complied in good faith, but the banks apparent failure to properly process or record my information has forced me to repeat a process that should have been resolved at the outset. This conduct is both unfair and unreasonable, as I have done everything required of me as a customer. 

2. Unjustified Account Lockouts and Transaction Declines Every time I attempt to use my card, it is immediately locked, requiring me to contact Barclays Banks customer service line. I have been forced to undergo multiple rounds of security verification for fraud prevention despite having notified Barclays Bank at least three separate times that I would be traveling and using my card internationally. I requested that my travel status be noted on the account to prevent these disruptions, but this request was evidently ignored. The security questions are usually the same ( if a fraudster was accessing my account they would have 5x since you guys are using the same exact questions each time, bad fraud practice ).

These lockouts have occurred at critical times when I needed access to my funds, resulting in embarrassment, financial disruption, and unnecessary delays in my daily activities. Barclays failure to properly notate my account or address this ongoing issue has left me with no confidence in the reliability of this credit card. I have now had to use a different credit card to make a purchase on XXXX XXXX  losing out thousands of points I should have gotten and the entire reason I got this credit card in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  should not be reporting a collection in the amount of {$740.00} on the XXXX XXXX XXXX XXXX account, original account holder XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License for identification purposes. ) This is military housing and our housing is paid for by allotment. When we vacated the premises there was no outstanding balance due and therefore nothing to collect. This account needs to report a {$0.00} balance due. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVE a portion of the data in my credit file that came about because of a FRAUD yet I have some Accounts passed on that should be taken out. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX Balance : {$930.00} ; XXXX XXXX Balance : {$790.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$460.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information has been involved in a breach with Equifax. This has caused inaccurate information to show on my credit report. In addition to fraudulent activity. I would like ALL negative items removed immediately. I am demanding immediate financial compensation for my mental anguish and time that has been spent correcting these issues.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The XXXX credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$290000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2600.00} XXXXXXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX Balance : {$32000.00} XXXX XX/XX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN BUSINESS CRED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN BUSINESS CRED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I attempted to apply for XXXX credit card. I was notified that Experian and XXXX are reporting that my mortgage with XXXX XXXX  XXXX is late and Im in a repayment plan. Im contacted all bureaus and mortgage company and all of them are saying it false. I contacted XXXX and they ran it again and stated that Experian is reporting that negative information. I am not and have not been late on my mortgage and no one from Experian or XXXX is trying to assist me.
Product: Credit reporting or other personal consumer reports

I am writing to address a concerning issue regarding the inaccurate balances associated with charge off accounts on my credit report. Despite my previous attempts to rectify this matter, the incorrect balances persist, negatively impacting my creditworthiness and financial standing. 

It has come to my attention that the balances reported for the charge off accounts on my credit report are incorrect. Despite providing evidence and documentation to support the accurate balances, the discrepancies remain unresolved. This inaccurate reporting not only tarnishes my credit history but also undermines my ability to access essential financial services and opportunities. 

I urge you to conduct a thorough investigation into the balances associated with the charge off accounts on my credit report and take immediate action to rectify this matter. It is imperative that the accurate balances are reflected to ensure the integrity of my credit history and prevent further harm to my financial standing. With this, I am asking for your assistance to remove these charge off accounts in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have on NUMEROUS occasions requested MR COOPER to remove the derogatory remarks on my credit report. In late XX/XX/XXXX I called MR cooper and informed them I was struggling to pay my payment due to natural disaster of hurricane Michael here in FL affecting my job as a XXXX in XX/XX/XXXX. The woman I spoke to stated I could set up a forbearance plan to help with my circumstances. I was told by said woman that i could enter into forbearance if I was unable to make the payments. I reiterated a question to the woman 3 x - " would this forbearance be reported as a late payment? ". The Mr cooper rep confirmed on their RECORDED LINE that it would not negatively effect my report and would report as current. I called numerous times and requested for a supervisor to look into the matter as i was 100 % sure that i was told the forbearance would NOT report as anything other than current. I AM STILL WAITING ON THE PROOF THAT THE AGENT SAID OTHERWISE. I have tried to dissolve this issue repeatedly with no assistance from Mr cooper. I have attached my statement from XXXX showing i was in forbearance at that time yet was reported as late 90 days until XXXX. When i requested this forbearance IN XX/XX/XXXX I was requesting due to a natural disaster which I VOICED TO the Mr cooper rep at the time. I live in FLORIDA and was affected by Hurricane Michael in XX/XX/XXXX and due to this CAT 5 storm my job as a XXXX  was affected and in turn so were my payments. During a forbearance period, your mortgage company may not assess late fees and will not report forbearance or delinquencies caused by the disaster to credit bureaus I AM BEGGING MR COOPER TO REMOVE THIS NEGATIVE REPORTING ON MY CREDIT REPORT AS IT IS CASUING SO MANY ISSUES OBTAINING A NEW MORTGAGE. 

I am being ignored and blown off even though i was told incorrect information by Mr Cooper representative on the way this information would be reported. I have a perfect credit hx other than this " late payments '' and i am demanding Mr cooper administration look into the issue and listen to the call recording as well as provide me that information. It is illegal to tell a consumer one thing on the phone and have them sign a bunch of paperwork stating the opposite. That is not right!
Product: Vehicle loan or lease

XX/XX/2016 30 days overdue that is actually stated on my credit report does seem inaccurate and or confusing. I would like the XXXX XXXX XXXX furnish data that the particular claimed account was in fact delayed so you have the essential guidelines so that you can suitably examine XXXX XXXX XXXX claims AND Take the time to present this data or even eliminate the negativity of this account.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX Balance : {$250.00}
Product: Credit reporting or other personal consumer reports

Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This message to Equifax, please immediate action PLEASE REMOVE THE LOCK FROM MY CREDIT FILE I AM NOT ABLE TO OBTAIN MY CREDIT REPORTS AND MY CREDIT SCORE. MY CREDIT SCORE AND MY CREDIT REPORT HAVE NOT BEEN UPDATED FOR A LONG TIME THIS IS CAUSING A HARDSHIP. So please I am requesting from Equifax to remove the credit lock from my Equifax credit report immediately! I am providing all the evidence and the proof of documents and ID for Equifax to remove the lock from my Credit ASAP because its not a joke anymore causing me a hardship in my life because of that issue. 





I ATTACHED THE PROOF DOCUMENTS ID TO FORMS OF PROOF OF ADDRESS SOCIAL SECURITY CARD
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Projection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have causes significant inconvenience and financial loss, and I seek appropriate redress for these violations,
Product: Student loan

In early XXXXXXXX I was informed my loans that were serviced by Great Lakes were being transferred to Nelnet. At that time I had one Subsidized loan for myself, and a Parent Plus loan for my daughter. In XXXX, a second Parent Plus loan was added to my account. With the student loan deferment due to Covid ending, I was informed I would need to start making payments. My daughter 's school informed me that I could call and have the parent plus loans put into deferment until she graduated. I have tried to reach out to Nelnet at least 5 times and have received zero responses. The wait time when I try to call has always exceeded an hour so I have resorted to their contact us form. In XXXX, when I was fed up with not receiving any kind of response, I filed a complaint with the Department of Education. They have not responded to me either. As I was informed by the financial aid counselor at XXXX XXXX XXXX that the deferment process was simple, I did not expect to be making payments on the Parent Plus loans. I am very frustrated with the lack of communication and would like my loans transferred to a different servicer, but again I can not get a hold of anyone to even talk to about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX  XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX ( Original Creditor : XXXX XXXX UT XXXX XXXX Balance Owed : {$2800.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Titanium Funds account # XXXX was included in a discharged chapter XXXX bankruptcy docket # XXXX and they are still reporting negatively every month and reporting a balance. They are in violation of the Bankruptcy Stay and the next correspondence will be from my attorney.
Product: Checking or savings account

On XX/XX/2022, I used the Capital one mobile app to find an ATM near me. The ATM at the branch near my house closed during the pandemic. I had thought the point of the XXXX network is they closed a bunch of branches and ATMs but could use these ones not owned by CapitalOne instead. That is what their materials had led me to believe. 
On the app, XXXX at XXXX XXXX XXXX XXXX VA came up with a symbol for Capital One 360. It says under Services : Get Cash. There is no indication of a fee. 
I had assumed since it is on the Capital One app as an ATM, that I could perform the listed service ( get cash ) with no fee. 
This practice misled me and is likely to mislead other customers. I am certain other customers have been surprised to find ATM fees after finding an ATM on the Capital One app. 
I believe I acted reasonably in relying on the ATM locator on Capital One 's own app. 
It is material because it affected my behavior. The entire reason I went on the app was to find a fee free ATM. Otherwise, I could have just stopped at any ATM at a bank or elsewhere along my travels. If I had known there was a fee, I would have gone elsewhere to find XXXX without a fee. 
In this case, I was injured in the amount of the ATM fee. I would have chosen differently but for Capital One 's deception. 
Once I discovered the fee, I called Capital One. They told me I have to use the web site to find fee free ATMs. They provided no explanation why they list on their app ATMs that charge a fee. 
I asked to have a courtesy adjustment of {$3.00}, but the representative said he could not do it. He transferred me to XXXX on the management team. I explained that I was asking for the adjustment due to Capital One 's misleading practice, but he was unconcerned with the deception and refused the adjustment despite my being a customer who tries to follow the rules for almost 25 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter certified mail # XXXX XXXX XXXX XXXX XXXX. The letter was received by XXXX on XX/XX/2022. 

I asked XXXX to investigate every piece of information on accounts I disputed. 

According to 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

XXXX stated that the accounts were verified/updated ( see the response letter from XXXX attached File # XXXX ) but how is this possible if they did not do a proper investigation according to the law? Also, every piece of information on these accounts is still not reporting XXXX XXXX percent accurate and according to 15 USC 1681a, everything must be accurate.
Product: Mortgage

THE IDENTITY OF THE TRUE SECURED LENDER/CREDITOR Sub-Servicer Bayview Loan Servicing stated in writing that XXXX XXXX XXXX is the Master Servicer. The way Sub-servicer Bayview Loan Servicing and Master Servicer XXXX XXXX XXXX fail to state the identity of a true secured lender is Bayview will state XXXX XXXX XXXX is the Master Servicer and XXXX will answer you. The Master Servicer XXXX XXXX XXXX will say the loan was transferred to sub-servicer Bayview Loan Servicing LLC and Bayview will answer BOTH XXXX XXXX XXXX AND BAYVIEW LOAN SERVICING WILL NOT IDENTIFY THE TRUE SECURED LENDER/CREDITOR BECAUSE - Both Master Servicer XXXX XXXX XXXX and Sub Servicer Bayview Loan Servicing LLC have developed a scheme " THE BLAME GAME '' that doesnt provide us with the identity of a true secured lender. When Sub-servicer Bayview states that the owner of the loan was provided to us in a previous response - this is absolutely not true Bayview has never provided the identity of a true secured lender/creditor. Bayview Loan Servicing has never provided us with the Owner of the mortgage loan. Moreover, Bayview Loan Servicing continues to discriminate against us due to our XXXX and Bayview Loan Servicing continues to act, or practice misleads and has already mislead us the consumer. Due to fraudulent extensive criminal activity and fraud in this arena, and due to the fraudulent fake documents you provided to us to trick us into thinking they were authentic through the Consumer Financial Protection Bureau we require proof of the chain of secured ownership from the original alleged lender/creditor to the alleged current lender/creditor. Bayview Loan Servicing LLC committed Deceptive Acts or Practices in response to multiple Qualified Written Request for the for the following reasons On multiple occasions we have requested through Qualified Written Request the identity of a true secured lender/creditor. Bayview Loan Servicing LLC has failed/refuses to give us the identity of a true secured lender/creditor and continues to operate deceptively by discriminating against us due to our XXXX. Specifically, we are disputing the following : a ). The identity of a true secured lender/creditor b ). The existence of debt c ). Your authority and capacity to collect on behalf of the alleged creditor/lender. Sub-Servicer Bayview Loan Servicing has committed the following acts against us : A representation, omission, actor practice is deceptive when : ( 1 ) The representation, omission, act, or practice misleads or is likely to mislead the consumer ; ( 2 ) The consumers interpretation of the representation, omission, act, or practice is reasonable under the circumstances ; and ( 3 ) The misleading representation, omission, act, or practice is material.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX For XXXX/XXXX/ Experian & Attorney General/Consumer Finance/XXXX. 
RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. These fraudulent accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. 

XXXXXXXX ACCT : XXXX AMT : {$130.00} XXXX  XXXX XXXX ACCT : XXXX AMT : {$250.00} XXXX XXXX XXXX XXXX ACCT : XXXX AMT : {$500.00} XXXX XXXX XXXX XXXX ACCT : XXXX AMT : {$630.00} XXXX XXXX XXXX ACCT : XXXX AMT : {$2300.00} Also, the following unauthorized Credit Inquiries will be removed immediately without prejudice:7 XXXX XXXX XX/XX/2020 XXXX   XXXX XXXX XXXX XX/XX/2020 I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX, Ex, and XXXX via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX, XXXX  and Experian, However, XXXX  ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX  and Experian all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX