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

I made my payment online to Barclays on Saturday, XX/XX/2022 at XXXX. It was due on Sunday, XX/XX/XXXX. The payment went through on Monday, XX/XX/2022. I woke up on Tuesday, XX/XX/XXXX to my bank account being {$140.00} in the negative because Barclay 's hit my account again for the same payment without my approval or initiation at all. I called Barclays and could not get through. I then called my bank, XXXX Bank, who informed me that Barclays screwed up and did this to all of their customers and XXXX worked feverishly to resolve this and they put the money back into my account. Now today, XX/XX/2022 Barclay has called my home rudely waking me up to tell me that my payment was reversed??? THEY REVERSED IT!! The money was always there. Barclay 's screwed up, debited my account twice and appears to have then reversed the incorrect and proper payment. And now they want to hit me with late charges. This was completely Barclay 's fault as I have been with this company for at least 5 or 6 years and have never had a problem. And now while waiting for resolutions have been disconnected... This is a horrible mess up and presentation by Barclays and I, the consumer seem to have be the one to pay for this.
Product: Credit card or prepaid card

There is a credit card from XXXX XXXX that has been opened fraudulently in my name. I have dealt with alot of rude representatives from this place and I have not recieved any help concerning this fraud. I have already sent an identity theft report and nothing has been done.
Product: Credit reporting, credit repair services, 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 items : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2500.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX ; XXXX XXXX Balance : {$9000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2500.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX/XXXX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX  XXXX Balance : {$2500.00} ; XXXX XXXX XXXX XXXX Balance : {$4000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

The derogatory rating on my account has directly caused loan denials and increased interest rates on my existing credit accounts. This inaccurate rating must be deleted and blocked from reporting to all three consumer reporting agencies immediately, as required by law.
Product: Checking or savings account

So recently I had a problem with a transaction on my checking account with MONEYLION ( roar money banking ) so I took it upon myself to call and tell them my concerns with the transaction. So we put in a dispute for the transaction. Supposedly, they denied my dispute for no obvious reason because I asked MONEYLION for the documents of evidence on why the dispute was declined. But it was never given. I know I never received my {$480.00} from the Transaction but they think otherwise with no Evidence. On top of that MONEYLION TOOK {$480.00} from my account FOR NO REASON AT ALL I NEVER EVEN WON THE DISPUTE CASE SO WHY TAKE {$480.00} FROM MY ACCOUNT. The same day my dispute was declined they removed {$480.00} out my account. remind you I was never given a Provisionary credit for them to even take {$480.00} from my account they took my money NOT A provisionary credit. And I have proof in screenshots
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that I am the victim of identity theft, a result of which is the reporting of negative information on my credit report. In accordance with the provisions of FACTA, I hereby request that such negative information be blocked from my report. The specific information that I am requesting be blocked is as follows : XXXX XXXX XXXX Reported : XXXX XXXX, 2020 + {$850.00} Closed XXXX   Reported : XXXX. XXXX, 2020 + {$0.00} Closed XXXXXXXX XXXX XXXX XXXX  Reported : XXXX XXXX, 2020 + {$0.00} Closed XXXX XXXX XXXX XXXX XXXX XXXXXXXX Last reported XX/XX/2020 AND INQUIRIES As required by FACTA and in support of my request, I am including a copy of my police report And police report filed with a law enforcement agency. I also hereby request, in accordance with the provisions of FACTA, that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an information block has been requested. Thank you in advance for your assistance in this matter. Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second attempt to fix inaccuricies on my personal credit report, the first time I initially did this was on XXXXXXXX XXXX XXXX, in which the CFPB has record of my complaints filed. In return of the CFPB 'S investigation the credit burea 's XXXX and XXXX both failed to correct the inaccuracies stating they could see what I was talking about but didnt believe I was actually the one attempting to get these inacuracies corrected. In which when they received my letters of complaints i also submitted my signature in blue ink on each letter in which i was stating the issues and inaccuracies. its is still listing several accounts and items i have deemed inaccurate supported by XXXX searcg aswell as identity theft report stating the various things in initial letter as well as second attemp letters provided with the report as of XXXX. These items supported by consumer law do not belong on my report as i've also provided current and updated documentation to support such complaints and claims. 

ALSO THE TITLES OF THE LETTERS ARE ONLY HOW I SAVED THEM IN MY LAPTOP SO I KNOW WHAT DOCUMENT IS WHAT
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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. 

The following Accounts : Loan Account Holder : XXXXXXXX XXXX XXXXXXXX XXXX Monthly Payment : {$670.00} Loan Account number : XXXX Amount on Loan : {$17000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been calling companies for a few months now they're either nasty or just outright hang up the phone and tonight is the last straw because I got the phone hung up again in my face. I am a victim of XXXX  XXXX and I really do think that my estranged husband or someone he's associated with is accessing my credit file without my consent.. I have inquiries that I did not make on my credit file trying to get loans and also a lot of addresses that I do not live at.. they also breached my information... I've also told them about my XXXX  XXXX situation and they just don't care.. I work so hard to repair my credit and remove these items and they're right back
Product: Credit reporting or other personal consumer reports

I just reviewed a copy of my credit report and in accordance with the FCRA specifically 611 ( 15 USC 1681i ) 609 ( 12 USC 1681g ) 604 ( 15 USC 1681b ) the following inquiries I do not recognize or authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

netspend made too many excuses why they dont want to shut my account down one reason is so they can steal from me
Product: Debt collection

Continue to report inaccurate information on consumer report, Continue to violate my rights as the consumer! Continue to report Unverified detrimental information to my consumer report, Violation of the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an identity theft report. Please find the ATTACHED FTC REPORT # XXXX documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account which do not belong to me or were opened without my permission. 



According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX  XXXX TX XXXX, XXXX XXXX
Product: Credit card or prepaid card

This involves BBVA credit card. I paid {$870.00} to pay the balance in full on XX/XX/XXXX. I then received a leftover interest fee of {$22.00} which I promptly paid with check # XXXX on XX/XX/XXXX. 
I received another statement balance on XX/XX/XXXX for {$1.00}, so I called to ask what this was. All the rep could answer was for interest. and couldnt give any further explanation. I asked that since it was a small fee and I had previously attempted to pay it and the interest, could it be waived. They refused, so I asked for a supervisor. The supervisor said I couldnt pay the {$1.00} because he didnt know how much I owed since it was 7 days into the billing cycle. So I asked to close the account. I confirmed that since I couldnt pay this {$1.00} on the phone, that that should be the only remaining amount I would pay once I got the bill in the mail. He answered no because there would be more interesting accruing ( and this is in spite of the account being closed ), and told me that I should put an extra {$1.00} in just to be sure. I didnt like this resolution, but since I didnt want this to be a continuing charge, I paid {$2.00} by check and immediately sent it to them. I feel that this is very deceitful and dishonest way of doing business and this is why I am reporting it, and I also did not want this to go on an endless cycle or go on my credit report.
Product: Credit reporting or other personal consumer reports

My personal information was exposed in a data breach. These accounts do not belong to me. I do not know where these accounts came from. 
XXXX XXXX  XXXX XXXX, {$750.00}, opened : XX/XX/XXXX XXXX- XXXX, {$0.00}, opened : XXXX XXXX, XXXX XXXX XXXX XXXX - XXXX XXXX {$2600.00}, opened : XX/XX/XXXX XXXX XXXX XXXX XXXX - XXXX, {$0.00}, opened : XX/XX/XXXX XXXX XXXX - XXXX, {$1100.00}, opened : XX/XX/XXXX XXXX XXXX XXXX XXXX, {$690.00} XXXX opened : XX/XX/XXXX XXXX XXXX XXXX- XXXX, {$14000.00}, opened : XX/XX/XXXX XXXX & XXXX XXXX - XXXX, {$2000.00} XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX, {$3500.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XXXX, {$660.00}, opened : XX/XX/XXXX XXXX XXXX XXXX- XXXX, {$440.00}, opened : XX/XX/XXXX XXXX XXXX - XXXX, {$400.00}, opened : XX/XX/XXXX First Premier- XXXX, {$0.00}, opened : XX/XX/XXXX XXXX XXXX- XXXX, {$130.00}, opened : XX/XX/XXXX XXXX XXXX XXXX XXXX - XXXX, {$470.00}, opened : XX/XX/XXXX TXXXX XXXX XXXX XXXX - XXXX, {$0.00}, opened : XX/XX/XXXX XXXX XXXX XXXX, {$0.00}, opened : XX/XX/XXXX Air XXXX XXXX - XXXX, {$0.00}, opened : XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00}, opened : XX/XX/XXXX XXXX XXXX- XXXX XXXX {$0.00}, opened : XX/XX/XXXX XXXX XXXX XXXX XXXX, {$400.00}, opened : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX {$2300.00}, opened : XX/XX/XXXX XXXX  XXXX, {$2100.00}, opened : XX/XX/XXXX XXXX XXXX  - XXXX, {$480.00}, opened : XX/XX/XXXX 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX Capital One Credit Card XXXX # XXXX XXXXXXXX XXXX XXXX  XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose UCC 3-603 : TENDER OF PAYMENT : States that ( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract.
Product: Credit card or prepaid card

I opened my XXXX  ( Commenity ) account during the spring o XXXX. I was late on one payment over a year ago and they are consistently decreasing my credit limit. 

I called them the morning of XX/XX/XXXX and asked for a reason and was told that they don't have access to the info and that I need to contact the credit bureau, which made no sense to me. 

Now they have decreased my limit to XXXX and I owe XXXX, so they are reporting that I am over my credit limit This all seemed to start happening after I hired a credit repair company that was recommended to me by XXXX XXXX. 

Please help me resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payments on the dates below : ( ALLY FINCL - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

This is regarding XXXX XX/XX/XXXXAccount XXXX XXXXopen date {$2400.00} Equifax violated FCRA, including by failing to properly conduct reinvestigations of disputed information in consumer files ; failing to prevent the improper reinsertion of previously deleted information from consumer files ; failing to provide adequate written notice to consumers of the results of its reinvestigations ; failing to follow reasonable procedures to assure maximum possible accuracy of information Equifax reports on consumers ; and failing to block reporting of information consumers identified as resulting from identity theft and to provide appropriate notice when such blocks were declined or rescinded.that Equifax engaged in unfair acts or practices in violation of the Consumer Financial Protection Act of 2010 by : ( 1 ) using ineffective systems, flawed processes, and excessive deference to furnishers to resolve consumer disputes and failing to adequately inform consumers of the results of reinvestigations ; and ( 2 ) selling inaccurate consumer credit scores and credit attributes after it introduced test code into a production environment in a scoring model server.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. XXXX XXXX XXXX 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy 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.

According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three credit bureaus before regarding my employers on my credit report. I do not give my permission ever to add any employer to my credit report. It cause harassment and telemarketing calls. Which neither should be able to access that information to begin with.
Product: Credit reporting or other personal consumer reports

XXXX  closed my complaint without furnishing the vendor who provided the late payment information. this is not on my credit report because i dont have any late payments. i want vendors name and phone number. wells fargo is also included in this complaint because they list on there site that i am late on payments but will not tell me who they are. original complaint XXXX regards XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX is reporting a secured loan to my credit report, showing a balance of {$720.00} but I dont have an account with XXXXXXXX XXXX or the XXXX XXXX app. 

My admin fees failed when I tried to apply and they mistakenly reported the installment loan to my credit anyways. 

On the XXXX app its telling me to create account which definitely means that I dont even have an active and open credit builder account with them. 

I called XXXX and XXXXXXXX XXXX and tried to resolve it but they seem to not care to delete their error. 

I dont even know how Im suppose to make payments on account I dont even have. 

Can you please investigate and delete the account below. 

The account number is XXXX Date opened : XX/XX/2020 Original Loan Amount : {$720.00}
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to bring to your attention serious concerns regarding my credit report and the actions of Experian. My personal information was exposed in multiple data breaches, and as a result, I became a victim of identity theft. I have submitted all required documentation to Experian and requested a thorough investigation into the fraudulent activity in my credit file. However, Experian has consistently failed to conduct a proper investigation, and the situation has only worsened. 
Most recently, after my last complaint to the CFBP, the negative information related to the fraudulent activity was deleted from my credit report. However, just XXXX hours later, the same negative information was reinserted onto my credit report without any new investigation or verification of its accuracy. Despite me submitting this under section 605B which requires Experian to block the fraudulent information, they took it upon themselves to modify it to a XXXX dispute ( evidence attached ) ; and are still declining to block the information under the argument that I knowingly obtained or should have known about obtained goods or services. This troubling action suggests that Experian is merely making rapid updates to my credit report, rather than conducting a proper inquiry or ensuring that the reported information is legitimate. The reappearance of these items on my credit file raises serious concerns about the adequacy of Experians procedures for handling fraudulent data. 
Under Section 605B of the Fair Credit Reporting Act ( FCRA ), Experian is required to conduct a thorough and accurate investigation into any fraudulent information on a consumers credit report. The deletion and subsequent reappearance of these itemswithout any new investigationindicates that Experian is not fulfilling this legal obligation. This failure to properly address the fraudulent activity continues to negatively impact my credit score and my financial well-being. 
Thank you for your attention to this urgent matter. I look forward to your assistance in resolving this issue. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, Discover, XXXX XXXX XXXX XXXX XXXX XXXX Bank, have all used the arbitrary consumer reporting system to discriminate against me, violate my privacy and violate my consumer right to obtain credit. I recently reviewed my consumer report and disputed violations of my consumer rights to privacy without satisfactory results. My dispute about privacy violation was met with responses about accuracy of reporting information. They never denied violation of my rights instead choosing to disregard it. 

Under Title 15 U.S.C. 1681a ( i ) the consumer report does not include information as to transactions or experiences between the consumer and the person ( creditor or corporation ) making the report. 15 U.S.C. 6802 states that a financial institution may not directly or through any affiliate disclose non public information to a third party ( such as the consumer reporting agencies ) without my written consent. Hard inquiries and latenesses clearly constitutes non public experiences solely between myself and a financial institution/creditor and as such must remain privatebe safeguarded and protected. XXXX of my information requires that I ( the consumer ) be given the opportunity before that information is initially disclosed to direct that such information NOT be disclosed to a third party. Theyve denied me my right to privacy and to exercise my non disclosure option and in reporting what amounts to private ( non public ) experiences between me and a financial institution have caused me harm/damage in pursuit of credit. 

I invoke my consumer right and formally request with this written letter the removal of hard inquiries and derogatory negative private information currently disclosed on my consumer report file within the allotted 30 day period. Their failure to comply with my initial written request constitutes willful noncompliance and makes them liable for damages to XXXX XXXX. XXXX.