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

On Saturday XX/XX/2021 I was notified via SMS message asking me to confirm a charge on my Barclay Credit Card. I immediately responded that I had not made the charge and then called the number provided. I went through many of the charges showing with the representative and luckily there were only 3 fraudulent ones. We identified the incorrect charges, confirmed they were fraudulent ( I had never shopped at or heard of the 2 merchants in question ) they asked me a series of other question such as " was the card in my possession ''. After our conversation the charges were reversed and a new card was sent to me. 

This past Friday, Barclay card re-added one of the charges that was previously identified as fraudulent. After 2 phone calls and the one rep said there was no written correspondence as of this past Saturday I learned they reapplied the charge because the merchant provided evidence. I asked what evidence and apparently they shared a XXXX tracking number showing they sent something to someone. The rep shared the tracking number, XXXX with me. I had to XXXX it to tell them the package went to XXXX WY when I was in Virginia where I reside, as confirmed by their systems when they sent me the original SMS message and identified the fraud. I also shared I had never been to WY and again never heard of the website nor purchased 149 of random things. They are asking the " investigator '' to reconsider.

While I wait 7-10 business days, I am responsible for paying the charge as it has been added back to my credit card and my billing cycle ends this week. This is a clear and direct violation of the law, the intent of the law and statutory language. It is also apparent they never actually investigated anything to try and determine the accuracy of the merchants claim that I was the buyer. I am all but certain someone took my information and did order merchandise but the question Barclay has willfully ignored is whether I made the purchase. 

Any individual, trained or not would be able to look at my purchase history, payment history and consistent behavior coupled with Barclays own technology in flagging the charges to know and confirm this was fraudulent. Allowing Barclay Bank to put the onerous on the consumer to make multiple calls and have to literally do my own investigation ( I was asked what evidence I had of something I did not do?! ) is clearly a money grabbing business process that flies in the face of the intent of the law. 

Barclay needs to answer to its business practices and correct this asap, including providing interest for the overpayment I will make due to the billing cycle.
Product: Credit reporting or other personal consumer reports

I am writing to request the correction of inaccurate information appearing on my credit report. Upon reviewing my credit report, I noticed that this account is inaccurately marked, causing potential harm to my credit profile. After contacting the company associated with this account, I was informed that the issue stemmed from a miscommunication on their part. Specifically : Statements for this account were sent to the wrong address, which caused delays in communication and confusion about the account status. 
The company has acknowledged their mistake and assured me that the address error has been corrected in their system. 
They also confirmed that the account should accurately reflect as open or closed/never late based on its payment history and status. 
I request that Equifax update my credit report to reflect the accurate status of this account in line with the companys confirmation. This correction should include : Removal of any late payment records erroneously reported. 
Updating the account to show the appropriate status of open or closed/never late, as agreed upon by the company. 

XXXX XXXX XXXXXXXX XXXX XXXX
Product: Checking or savings account

After opening a new account, wiring money over to the new NFCU account, and while waiting for my debit card to arrive in the mail from Navy Federal Credit Union in late XX/XX/2019, my debit card was stolen from the mail and activated without my knowledge/permission and used On XX/XX/2019 at XXXX XXXX XXXX XXXX XXXX, CA to fraudulently withdraw {$6300.00} from my account. 

When I checked my account and noticed these funds were stolen from my account a few days later I immediately called NFCU and informed them about this situation. They basically told me they were not liable for this instance of fraud taken on my account and denied my claim to reimburse me for these fraudulent charges. Again, I was never in possession of this debit card ( as this was a new account ) and the pin number was yet to be created, so the individual who stole my card only needed to find the last XXXX digits of my SSN ( which is easily obtainable to find online since he knew my name and address ) to activate my card and create a pin number. 

Even after I filed a police report with XXXX XXXX ( CA ) and an investigation was underway to find the individual who stole the funds from my account, NFCU still denied my claim. The individual who committed the crime was eventually identified, charges were filed, an arrest warrant was issued by the XXXX XXXX and the criminal is currently on the run. The case number is XXXX in the XXXX XXXX XXXX California XXXX XXXX of XXXX ( see attached document ). After providing NFCU with this documentation, again, NFCU denied my claim and stated " I need to sue the individual who stole my debit card for the stolen funds ''. 

NFCU has still yet to offer any help or resolution for their mistake. When the card and new pin number were activated I did not receive any alerts. Also, when the money was being taken out there was no alert given to me either. I also questioned how the criminal was able to take out $ XXXX of my account at an ATM in one day with zero fraud alert or holds and they were unable to give me a reasonable answer. This has been a hardship on me and has been poor service by NFCU Person of contract from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX desk XXXX XXXX
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my XXXX and XXXX is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at :
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to file an online dispute but XXXX  have blocked me from disputing inquires and other inaccuracies on my XXXX  online account. My only option was to mail in my dispute which I did. I received an alert today from XXXX  account via email and when I logged into my XXXX account for the result 's from my dispute was not available to me instead the message on my account stated to call customer service or check my report for updates but there's no information on the results on my credit report. I spoke to five representative and I was continuously transfer to multiple representative and even hanged up on. The representative stated they can only read the results to me but can not remove the block on my online account for me to read the results online. I was told that the information was verified but I was deny access to see the result of the investigation for myself. XXXX have blocked me from disputing online inaccuracies on some of my account online. Please assist me in getting the result 's of my dispute investigation. XXXX should be able to determine how i receive the information. Below are the case number for the disputes. Thank you Results Report Number : XXXX Date Generated : XX/XX/2021 Your dispute results are currently not available online Please call one of our friendly specialists or check your report for updates. 

When calling, use Report # XXXX. 


Results Report Number : XXXX Date Generated : XX/XX/2021 Your dispute results are currently not available online Please call one of our friendly specialists or check your report for updates. 

When calling, use Report # XXXX XXXX Mon - Fri : XXXX - XXXX
Product: Mortgage

We were struggling to pay the mortgage due to covid and loss of hours/income. We had entered into the forebearance period through loss mit and finally started to get back on our feet. They offered us two choices, defferal or modification. We chose to go the modification route as the XXXX payment was still going to be hard for us to pay due to loss of income as well. So on XX/XX/2021 I sent over the modification application for approval. They told me it was going to take 10 days to process. After 30 I called up and they said it would take 2-3 months. So when I paid the mortgage payment I would check on the status as well as in their computer system. They had no answers ... Come XXXX I started calling weekly to see where our application was, I got several different answers from XXXX, XXXX, XXXX, XXXX, as it was shipped, but I never received anything ... They also stated a supervisor would get back to me ( they never did ). So finally on XX/XX/2021 I called and spoke with 3 different agents ending with XXXX. He told me that the supervisor of our loan no longer worked for the company and that because it has been so many months from our application that it was no longer good and I had to fill out a new application. This is unacceptable and very sloppy work as per attached I have been calling monthly and weekly to follow up on my application.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information on my Transunion credit report, which is in violation of the Fair Credit Reporting Act ( FCRA ), specifically Sections 15 USC 1681A ( 2 ) and 15 USC 1681i. These sections of the FCRA protect consumers ' rights to accurate credit reporting and impose obligations on credit reporting agencies to ensure the precision of the information they report.

According to Section 15 USC 1681A ( 2 ) of the FCRA, it is incumbent upon credit reporting agencies to maintain accurate consumer credit information. Furthermore, Section 15 USC 1681i mandates that credit reporting agencies conduct a reasonable investigation into disputed information and promptly correct any inaccuracies.

Upon reviewing my credit report, I discovered several inaccuracies regarding reported late payments. These inaccuracies not only misrepresent my credit history but also violate my rights as a consumer under the FCRA.

In addition, in accordance with the FCRA these creditors have violated my rights under 15 USC 1681 section 602 states that I have the right to privacy. It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USC 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. 
The following late payments are erroneously 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 I assert that these late payments are inaccurate and unjustified. It is illegal to report any late payments to my consumer report! 

In accordance with Section 15 USC 1681i, transactions should not be included on a consumer report, and I hereby request that you conduct a thorough investigation into these inaccuracies. I expect that you will promptly remove the erroneous late payments from my credit report and provide me with a corrected copy, free of charge. 

Failure to comply with these provisions will leave me with no choice but to pursue further remedies available under the FCRA, including legal action. 

Please acknowledge receipt of this dispute letter and provide information on the steps you are taking to address my concerns. I can be reached at the contact information provided above. 

Thank you for your immediate attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent in letters to Equifax to have 8 accounts and removed from my credit report because they were reporting falsely, and those actions were not made by me. no action has been taken sense then on XX/XX/2022 I sent in a 30 day comply and yet again nothing has happened. On XX/XX/2022 I sent in letters to XXXX to have 6 accounts removed. I also sent letters to XXXX XX/XX/2022 to have 5 accounts removed from my credit report because they were reporting falsely, and those actions were not made by me. no action has been taken sense then on XX/XX/2022 I sent in a 30 day comply and yet again nothing has happened.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to property investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. Please attached dispute reports directly from Equifax showing all accounts and disputes needing to be removed.
Product: Credit reporting or other personal consumer reports

I filed a complaint with lexis nexis about bankrupcties that were on my credit report. I explained that me and my ex husband XXXX XXXX owned properties and he filed for bankruptcy without my knowledege to try and save a property. They were able to remove 1 bankruptcy from my credit, but they left 1. How is this possible? this is a fraudulent use of my information.I was unaware of my ex husband doing this, he signed my name. I need this removed now.
Product: Credit reporting or other personal consumer reports

My id was stolen and I presented Experian with the evidence and Police reports and yet they still are not removing the Fraudulent accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy on credit report is pass the statue of limitation by law its been XXXX  years in havent been removed from all my credit reports by law, This need to be removed immediately. I try to resolved this issue but this is clearly has being a strain financially and cost me several XXXX of dollars trying to resolve this and do to the inaccuracies on my report I have suffered not being able to obtain credit fairly. This is clearly a violation and also According to 15 usc 1681 I have showed you actual damage Sustained by the consumer as a result of the failure advantage is not less than XXXX dollars and not more than XXXX dollars per violation
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX client, XXXX XXXX is a victim of identity theft. A current XXXX   credit report reveals that a fraudulent application was submitted with her information that resulted in an inquiry XX/XX/XXXX and again XX/XX/XXXX that she did not authorize with Kohl's'/Capital One. An official dispute of this action was sent to Kohl's/Capital One XX/XX/XXXX however as of this date no response or reply has been received as to the outcome of the investigation which is a violation of FCRA. 
In addition an application was filed with XXXX XX/XX/XXXX and the official dispute of this was sent to XXXX  XX/XX/XXXX and again, no notification was sent to my client concerning the outcome of the dispute status which is also a violation of CFRA.
Product: Credit reporting or other personal consumer reports

I submitted a complaint more than 30 days ago and I havent received any information from either credit reporting bureau or agency. I submitted the complaints on XX/XX/2024. 

The complaints were made with the CFPB. The complaint numbers are : XXXX XXXX XXXX The negative accounts in the complaints should be deleted immediately.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill and a letter from an advocacy group helping me due to XXXX XXXX debt Bondage which falls under XXXX, according to XXXX-Debt Final Rule 1002.142 ( b ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable its which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b6 ).
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.


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 contacted Experian on XX/XX/XXXX with assistance in investigating and removing unauthorized credit inquiries. The customer service representative refused to help. 
Here are the inquiries on my Experian report that are unauthorized : XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX/XXXX XXXX- XX/XX/XXXX XXXX-XX/XX/XXXX XXXX/ XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX/XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX/XXXX-XX/XX/XXXX XXXX/XXXX- XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX- XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Someone defrauded the goverment using my wells fargo account XXXX XXXX XXXX account and child support debit card account ... transactions i wasnt notified on and deposits I dont reconize student loans and grants taken out without authorization and w2 using my social security i didnt authorize! Someone is also, impersonating my information for goverment benefits. Agressive ID fraud and true id fraud and drivers license fraud NAICS and FAR illegal coding SAR flags on social etc
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 my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Account XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle an incorrect and unverifiable account that is keeping to be established as correct. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please delete this account from my file : XXXX XXXX XXXX XXXX
Product: Checking or savings account

I asked to know where my check is and why is hasnt came into my count and they cant give me details on anything. They tell me they have no direct timeline when my direct deposit check will hit my account
Product: Student loan

I was eligible for loan forgiveness discharge in XXXX Mohela continued to charge me payments and interest. I was told by XXXX that I made over the amount of payments ( XXXX ) required for forgiveness and discharge but that they could not discharge the forgiveness. Mohela told me only XXXX could discharge the loan. I have gone back and forth twice and still no assistance in forgiving my loans. To speak to a person at Mohela requires a minimum of XXXX hours wait time. I can not get Mohela to assist me in getting this loan forgiveness discharge done.
Product: Student loan

Aidvantage is violating my right to privacy under 34 CFR Part 99 Family Educational Rights and Privacy. Aidvantage has no right and have not been given disclosure to release my personal information to anyone. They need to cease reporting on my credit file immediately.