23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Since Monday  XXXX   XXXX ,  2017 ,  Barclays is not provided internet ( PC ) access to our online savings accounts. We have had 3 phone calls with Barclays customer service. Each time, the Barclays representative says that a trouble ticket has been entered and that someone would address the issue, and contact us. During the last call, we told Barclays that we would file a complaint with CFPB if they did  not address the issue. As of  XXXX   XXXX ,  2017 , we have received no contact ( phone or email ) from Barclays and we remain locked out of our accounts.
Product: Mortgage

I filed a previous complaint about wells fargo and you closed the case without the appropriate resolutio n. Wells Fargo says the  " found '' about {$300.00} they owed additional. The real amount is nearly {$3000.00}. We owed $  XXXX  on the mortgage and were required to pay a $  XXXX  amount. The difference is $  XXXX . They are saying that the {$2500.00} escrow check contained additional money owed. This is not true. WHen I was receiving a payoff amount I was told that there would be a {$2500.00} escrow payment. I still paid {$3000.00} more because I had until  XXXX   XXXX  to pay it off and that would be accrued interest until then. However, I paid it off nearly a month before that,  XXXX   XXXX , so there is a month of interest, about {$3000.00}, that are they still trying to steal.  Wells Fargo  as we all know is a corrupt and criminal organization. I 'm not going to allow them to take my money as I did n't even get a loan through them. THey bought my loan without my consent. I have now wasted several hours on this corruption and expect compensation above the amount owned for that.
Product: Credit reporting or other personal consumer reports

In XX/XX/year> I disputed fraudulent activity on my credit report. It came to my knowledge that while I was XXXX  my personal information was fraudulently used to obtain credit. These accounts listed are not mine. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please help me clear up this violation of my consumer rights. 
The accounts were deleted and removed from my credit report. And then Wells Fargo re-added the deleted account back to my credit report. 
I have attached documents to this complaint.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and I notice that I have 1 late payment that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best their ability with Maximum Accuracy I have never been late for payments for the account Account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Last reported XX/XX/XXXX {$90.00} Open balance {$2000.00} Credit limit, Also as you can check with the XXXX XXXX XXXXXXXX, I ALWAYS had a automatic payment set up from my bank account. 
What I believed that could happened, a 2 months a go I was a victim of identity theft and some of my cards were hacked ( see FTC report Attached ), there was a purchased on my XXXX XXXX XXXX account that was no me. 
I don't have {$90.00} dollars opened balance and I don't have late payments, my all my card the have automatic debit set up : since XXXX I have never miss a payment, and I never authorized to remove my auto pay. 
If proof cant be provided I DEMAND to these payments to be update to on time payments as they should be. 
thanks OVERVIEW Credit limit {$2000.00} Minimum monthly payment {$35.00} Opened XX/XX/XXXX ( 2 yrs, 6 mos ) PAYMENT HISTORY You've made 100 % of payments on XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I C SYSTEM XXXX has fraudulently placed an account on my credit report. I never had any contract with this company nor have I given permission to put anything on my credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, my automatic payment failed due to a fraud alert on my bank card, which occurred at the same time as the scheduled payment. Consequently, the card was frozen, and http : //www.Self.inc, a self-funding credit builder account website, could not process the payment. After resolving the issue with my bank card, http : //www.Self.inc did not attempt to charge it again. Unaware that their policy was to disable the auto-charge feature automatically, five weeks passed, and http : //www.Self.inc reported incorrect information to the credit bureau. My bank account was never delinquent, and there were sufficient funds. I did not borrow money from the company ; all funds involved were my own. This incorrect reporting has severely damaged my credit report. When I contacted the company to address the issue, I was repeatedly referred to a call center in the XXXX without resolution. Eventually, I reached a supervisor in the U.S. who emailed me their policy on one-time auto-payment failures. I used this company to build my credit successfully, not to destroy it! The subsequent incorrect reporting to the credit bureaus set me up to fail.
Product: Debt collection

While searching for my credit scores, I discovered that Designed Receivable Solutions submitted a collection for a ( closed ) XXXX XXXX XXXX XXXX Hospital bill in XX/XX/XXXX. According to three different Medicare representatives, Medicare paid the account, and that I DO NOT owe the original charge of {$3200.00}. The Medicare Summary Notice states that the total that I may be billed is {$190.00}. As always, that amount was to be submitted to my secondary insurance for payment. As of this date, Designed Receivable Solutions has not sent proof of original billing as requested! 

XXXX XXXX, the collection manager, literally laughed in my face when I stated that I was going to report this problem to the Attorney General Office, the CFPB, and The XXXX XXXX XXXX. His exact words were, " Good luck with that! '' It seems that he has done this before and that no consequences for his bold actions! 

Please note that I received from a person who worked for XXXX XXXX XXXX Hospital, who stated emphatically that a female co-worker had intentionally submitted many collection notices to XXXX XXXX XXXX Hospital patients upon its closing in XXXX, but he was intervening to stop this wrong. He promised that I had nothing to worry about, that he would send the {$190.00} to my secondary insurance for payment. 

Please note that I NEVER HEARD back from XXXX XXXX XXXX for any billing at all. In fact, Designed Receivable Solutions had my old address on file as of XX/XX/XXXX ; therefore, I never received any correspondence from them as well. I was never contacted by Designed Receivable Solutions until I called them after discovering on my own that my credit report contained a collection! I gave my new address and phone number to XXXX XXXX. 

Please HELP!!! I have endured so much sickness due to an already chronic medical condition ; since XXXX I have had to go to the ER twice and to several doctors for chronic stress and XXXX XXXX XXXX! 

Thanks for clearing up this matter. Enclosed, please find supporting documents!
Product: Student loan

I have had issues with Sallie Mae since I was in school. Disbursements wouldnt come out in time etc. Since graduating, I now owe more than what I originally signed up for. Sallie Mae does not disclose certain stipulations with their payment arrangements and it is negatively affecting my credit. Most recently, I noticed a payment of {$480.00} did not come out of my bank. I DID have the funds available in my bank. So I gave it a couple business days and I called XX/XX/2020 to arrange my payment. The representative said the issue was that there was no payment information online. But I told the representative that the last person I spoke with already gathered that information. She told me that was not true. So she took my payment with my bank card and asked me for my checking and routing number for future payments. The money is taken from my account, but to my surprise, I am getting spam calls and emails saying I am delinquent for {$1800.00}. I tried to speak with ANOTHER representative again to be basically called a liar. He also blamed me for this happening due to the fact that the {$480.00} was not taken out. The payment wouldve been successful if Sallie Maes representatives were truthful. He would not stop speaking over me and eventually he ended the call. This is not right. Sallie Mae is scamming me and it keeps on happening. I dont know what to do and I am seeking out a lawyer now.
Product: Credit card or prepaid card

American Express on XX/XX/22 responded to my CFPB complaint stating they discriminated against me and wont offer me credit due to their policy. The fraudulent representation of facts of informed use of credit, I was given false and misleading Information, willingly and knowingly which is a crime. A national bank cant extend its own credit only the consumers credit. As I in good faith extended my credit to acquire money on credit via American Express Gold card as my right as a consumer from American Express primarily for personal, family, or household purposes. Reasons stated for the discrimination were criteria used to evaluate creditworthiness, internal standards and a qualifying score that are prohibited by the General Rules of CFPB interpretation of Reg B 1002.4 ( a ), which is insufficient, prohibited and discrimination.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX Ssn XXXX Phone number :XXXX XX/XX/XXXXXXXX  TransUnion Consumer Relations XXXX XXXX XXXX XXXX, PA XXXX Subject : Unauthorized Disclosure of Personal Information and Violation of Privacy Rights Dear TransUnion Consumer Relations I am writing to bring to your attention a matter concerning the unauthorized disclosure of my personal information, which I believe constitutes a violation of the Privacy Acts No Disclosure without Consent Rule outlined in 5 U.S.C. 552a ( b ). I have recently obtained a credit report from your agency, and I discovered that certain details related to my child support account with the XXXX XXXX DA have been shared without my prior written consent. 

The specific information disclosed without my consent includes : Account Name : XXXX XXXX DA Account Number : XXXXXXXX  Account Type : Child Support Responsibility : Individual Date Opened : XX/XX/XXXXXXXX  Status : Open. {$40000.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXXXXXX  Balance : {$40000.00} Balance Updated : XX/XX/XXXXXXXX  Recent Payment : - Monthly Payment : {$660.00} Original Balance : - Highest Balance : - Terms : 1 Month Source : XXXX I would like to emphasize that, according to the Privacy Act, federal agencies are generally prohibited from disclosing personal information without the written consent of the individual. This disclosure, as detailed above, includes information about my child support account and its financial status, and I have not provided any prior written consent for such disclosure. 

I kindly request that TransUnion thoroughly investigate this matter, correct any inaccuracies resulting from the unauthorized disclosure, and take appropriate measures to remove the child support account from my credit report and prevent such incidents in the future. I am also open to providing any additional information or documentation to support the resolution of this matter promptly. 

I appreciate your prompt attention to this issue and look forward to a timely resolution. Please feel free to contact me at XXXX is my phone number or XXXX is my email address to discuss this matter further. 

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

Nordstrom Credit is falsely reporting late and past due payments to credit bureaus. In addition to false reporting, as of XX/XX/2021, I am participating in Nordstrom 's payment program that reduced my monthly payment. The first payment due on Nordstrom 's program and as agreed to was XX/XX/2021 in the amount of {$250.00}. I made the {$250.00} payment. As of XX/XX/XXXX, I received harassing phone calls from Nordstrom stating they were attempting to collect a debt. During the call with Nordstrom, I asked why are they calling when I'm participating in their payment program and I made the first payment. The response was that I missed back payments on the program. I replied that is a lie because the first payment on the program was due XX/XX/XXXX. The Nordstrom staff acknowledged my payments and stated they are requesting an additional payment while on their payment program to bring the account current. What's the point of a payment program when the retailer does not honor the terms and condition of the program or the payments received? XXXX continues to falsely report past due and late payments in a malicious and unlawful manner. There are no missed payments so there is no past due amount or late payments. My payments are made on time every month.
Product: Credit card

To Whom It May Concern, My name is XXXX XXXX, and I am writing to formally file a complaint regarding the handling of a positive balance refund for my closed Walmart credit card account ending in XXXX. Despite my repeated efforts over the past three months, I have been unable to receive the refund owed to me, and the company has failed to provide clear policies or timelines for resolution. 

Details of the Issue : Account Information : Account Name : XXXX XXXX Account Ending : XXXX Timeline of Events : My Walmart credit card account was closed with a positive balance remaining. 
For the past three months, I have contacted Walmart credit services repeatedly to inquire about the status of my refund. 
Each time I call, I am told that I need to wait an additional month for a check to be issued. 
Latest Interaction : On XX/XX/2024, at XXXX XXXX, I spoke with a representative named XXXX XXXX employee ID : XXXX ) from the XXXX XXXX XXXX. I was once again informed that I would need to wait without any definitive timeline for resolution. 
Lack of Policy Transparency : When I requested written documentation of Walmarts reimbursement or check-issuing policies, I was told none was available. 
Resolution Sought : I request the following : Immediate issuance of the refund owed to me. 
Written clarification of Walmarts policies regarding refunds for closed credit card accounts.

Assurance that such delays and lack of transparency will not occur in the future. 
Next Steps : If this issue is not resolved promptly, I intend to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other relevant agencies. 

I expect to receive a written response within 10 business days of your receipt of this complaint. You can reach me at the contact details provided below. 

Contact Information : Full Name : XXXX XXXX Phone : [ Your Phone Number ] Address : XXXX XXXX XXXX, XXXX, NY XXXX Email : [ Your Email Address ] Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Let me know if you need help submitting
Product: Student loan

I continue to receive an error that says " We currently have no loans in our records for you. If you feel this is in error, please call us so we can assist '' ( ED Financial ). I know I have a loan as it was visible in XXXX when I signed up/logged in to their new platform as required. It is also available via FAFSA, but the payment site does not reflect accordingly. 

I emailed on XX/XX/2023 to inquire ( and again on XX/XX/XXXX ), but have not received a response yet. I called on XX/XX/XXXX and XXXX with no call back. When I try to chat in they immediately say they can not help me and close the chat ticket. Wait times for phone calls are over XXXX minutes long and they do not call you back when you ask them to. 

I am unable to start my payments on the new platform before interest starts occurring. I will soon be charged late fees and additional interest as they continue to ignore my requests for help.
Product: Checking or savings account

On a monthly basis I receive a XXXX  deposit to my account from the government. 

The deposit hits XXXX later than the XXXX of every month with most months being a day or XXXX early. 

On the evening of XX/XX/XXXX I contacted Chime about my deposit not hitting the account. 

They assured me that the money would be deposited by the end of the day. 

Fast forward to the XXXX and the funds have not yet been deposited. 

I contacted Chime again and they said give it time since the XXXX was a holiday. 

I asked what holiday and they told me XXXX. 

XXXX was on XXXX  the XXXX which is not a federal banking holiday. 

The date of the deposit should have been that XXXX  which was the XXXX. 

I contacted the XXXX  and have screenshots of their online portal to show that the deposit has been sent with the correct checking and routing number.
Product: Debt collection

This account has inaccurate reporting. The company has failed to properly investigate. Attempting to collect debts that do not belong to me. If not resolved, I will sue for damages.
Product: Debt collection

Keep Receiving calls from Diversified Consultants, two of the numbers calling from are : XXXX & XXXX. They are asking for XXXX XXXX. My name is XXXX XXXX. There is no XXXX that resides at my address. I 've told them 4+ times over the past month, but they continue to call and call. 

I do n't have any debt owed that is outstanding. XXXX is not a resident of this household. Please have them stop calling me.
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 m federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # 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 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

I submitted a dispute to Equifax which mistakenly has the wrong spelling of my name. This is not my name. My name is not XXXX. They asked for evidence, I included images of my driver 's license ( attached ). They denied my claim, because they said I hadn't submitted evidence. I contacted them and told them I had submitted the evidence. They found it and said they would get back to me. They maintained the dispute anyway. I have no accounts in the name XXXX anywhere because this is not my name.
Product: Credit reporting or other personal consumer reports

I see a company XXXX on my credit report, which is actually damaging my credit that I did not do and I do not recognize for {$600.00} this company is showing that they are out of Kansas. I live in the state of California.
Product: Credit reporting or other personal consumer reports

Account was settled and paid. Agreement to remove account from credit report
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. I told XXXX, XXXX XXXX equifax to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 XXXX years.

15 U.S.C 1681s-2 ( A ) ( a ) 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. 


I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.
Product: Credit reporting or other personal consumer reports

I wanted to check rates for a XXXX  on a vehicle. The XXXX XXXX site said for me to enter my info for pre approval. I entered info and at the end they asked for social security number ( optional ) I declined to enter. They called me with estimated rates and the XXXX asked if I wanted to apply and I said not yet. I needed to speak with my husband. I was puzzled because he knew my exact credit score and info on a few of my accounts. I asked how he knew so much since I hadnt provided my ss number and he said oh its a soft pull we dont need your ssn for that. We wont apply until you agree. XXXX minutes lates I get an alert of a XXXX  pull from XXXX XXXXXXXX XXXX which was the loan that XXXX from XXXX XXXX was offering me. I didnt agree to my credit being pulled. When I called XXXX XXXX  I was told thats how it works. They dont need your ssn to run your credit. If you input your name, address, etc they have permission. He advised me to read the fine print. Which tells me theyre purposely trying to trick people. Careful with bank rate and XXXX XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

Sail Loans I took out the loan XX/XX/2024. 
I requested {$400.00} and got {$400.00}. They want me to pay {$1200.00} to payoff. 
I want to pay off the {$400.00} that they gave me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The list of information in my report was inaccurate. I sent it to all the credit reports, asking them to investigate and verify my files. That information, however, is still being shared and affects my credit. The credit bureau did nothing to remove the incorrect information listed below as a result. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Date Updated : XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX
Product: Vehicle loan or lease

This company closed the account then reopens it again and again. Every since they had my information they have been doing unusual stuff. Also they have violated the time period to respond and they have my information so they keep reopening and closing it.