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

On XXXX XX/XX/2020, Barclaycard USA attempted a withdrawal from my bank account. I was pending my monthly paycheck, and so this payment was denied and I was charged both a NSF fee by my bank and Barclaycard. I had already paid the mimumum monthly payment for XXXX, so was unaware that an additional payment was being made. As a result of the NSF fee on Barclaycard, my credit card went over the credit limit. So I posted an amount of {$30.00} to reduce the credit limit - but this was also charged an NSF fee. Both the original payment and the {$30.00} payment were then retried, without my permission, by Barclaycard, charging 2 additional NSF fees ( at {$28.00} each ). I emailed, and I was slightly upset so had a slightly accusatory tone, to Barclaycard to stop attempting payments. Today, I submitted a {$250.00} payment to the Barclaycard credit card, to reduce my credit limit to well below the maximum amount, after I received my monthly paycheck. I wrote to Barclaycard explaining this. Through this process, however, Barclaycard did not, and has not replied to either of my messages ( through their online system ), and in addition, my online banking, is now showing my account is closed. I tried to call Barclaycard and their lines are busy with very long waits, which is understandable during the current COVID19 situation. But what is not understandable, is their lack of communication and attention to resolve this issue, again, similarly during this COVID19 crisis.

Thank you for your time.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Dispute for Late Payment Removal CARES Act Protection To Whom It May Concern, I am writing to formally dispute the late payments reported on my credit file for the account listed below. These late payments were inaccurately reported and should be immediately removed under my rights granted by the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ). 

Account in Dispute Creditor Name : XXXX XXXX XXXX  Account Number : XXXX Date of Late Payment XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I have previously reported to XXXX, XXXX and XXXX that I was a victim of identity theft, and I have provided a police report and an identity theft report under penalty and perjury along with a sworn affidavit. According to 15 U.S. Code 1692 and 15 U.S. Code 1681s2, as a credit furnisher, XXXX, XXXX and XXXX are obligated to conduct a fair, thorough, and accurate investigation into any disputes regarding my credit information. Despite my efforts to provide sufficient evidence that my personal information was fraudulently used to obtain credit, XXXX, XXXX and XXXX investigation only acknowledges that my information was used but fails to verify that I, in fact, applied for credit with XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX 
Given the seriousness of this matter, I demand that XXXX, XXXX and XXXX immediately remove any and all items related to this identity theft from my credit report. 
I would also like to bring to your attention a concern regarding a breach of my personal information. My private data was compromised in the XXXX and XXXX data breaches, and I have recently discovered that your company is also disclosing my non-public information to an unaffiliated third party. This unauthorized sharing not only exacerbates the risk to my personal security but also constitutes a violation of 15 U.S. Code 6802, which mandates the protection of consumer information by financial institutions. I urge you to address this issue promptly and ensure that my data is handled in full compliance with the relevant privacy laws. XXXX, XXXX and XXXX Does not have my permission to use my copyrighted name. They are infringing on my copyrighted name.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 XXXX - a credit reporting company for real estate loans example - XXXX credit reporting agency show that i have a credit score of XXXX. XXXX   is showing that i have a credit score of XXXX  through XXXX.

the information shown on XXXX is simply wrong. There lack of updated information is causing me NOT to be able to get a real estate loan i can afford.
Product: Mortgage

I XX/XX/XXXX, after returning from the XXXX of XXXX XXXX I purchased a home through Veterans Affairs. The loan originally was through XXXX XXXX and later went to Wells Fargo. In the XX/XX/XXXX, I contacted Wells Fargo asking for assistance with my mortgage due to financial hardships. After a couple of months of going back and forth, I was granted a forbearance modification by Wells Fargo. The modification approval ended on XX/XX/XXXX. I made every payment on time. At the time I was granted the modification, it was not explained the the mortgage was accumulating, now making it an even more challenging endeavor to pay the total amount due. I recently retired from active military service onXX/XX/XXXX and was diagnosed as a 100 % permanent and total veteran. Twenty days after the forbearance plan with Wells Fargo ended, they immediately started foreclosure procedures while pretending to be working with me to save my home. After several attempts to contact the person that was assigned to work with me to no avail, on XX/XX/XXXX, I was sent an affidavit stating many false accusations and stating that my home is now in foreclosure. The entire time that Wells Fargo pretended to work with me and having send them certain documents that I thought to be assisting with me saving my home, I found out that I was being bamboozled. Every attempt to speak with someone proved that each and every conversation was like starting the explanation as to what happened all over again. Somehow, each communication with Wells Fargo appeared that the company had amnesia as to any and all conversations. This is no way to treat our veterans that have given their lives in service of this great nation. Wells Fargo unknowing to me, sent proceedings forward to a lawyer asking that a judge grant foreclosure on my property without contacting me or allowing an opportunity to assist in resolving the matter after they promised me time and time again that they were assisting. All the time, they were preparing to send my property that I have been paying a mortgage on on sinceXX/XX/XXXX, into foreclosure. Wells Fargo supposedly sent the documents to a under writer for a decision on further assistance, while in fact, they were using the documents that they asked me to fax over to start foreclosure procedures on 20 days after forbearance modification ended. The loan assistance ended on XX/XX/XXXX. The foreclosure procedures were started XX/XX/XXXX. I have reached out to Wells Fargo several times in an attempt to resolve this foreclosure procedure. This is absolutely no way to treat our veterans that have given their lives in service of our great nation. This is truly an injustice after paying a mortgage to Wells Fargo during my tenure as an XXXX XXXX military member.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are numerous inquires that were not done by me. I submitted the documentation as asked by the credit bureau and they refuse to delete them
Product: Debt collection

In late XX/XX/XXXX, I noticed that " AssetCare LLC '' had charged my credit in the amount of {$1400.00} 3 separate times, claiming that they had received this from XXXX XXXX XXXX in XXXX XXXX on XX/XX/XXXX. I have not been in XXXX XXXX  for the past 2 years. I graduated in XXXX and left for work in XXXX. After explaining that I did not have a medical visit in the month of XXXX, nor have I visited a hospital since XXXX ; I found this odd. I commented and asked for an itemized bill from the hospital for whatever they were charging me, and the woman replied, " You will need to pay us directly. You have debt with us. '' As I do not have a debt with a company called AssetCare LLC, I reached out to the hospital and they informed me that they did not have on record any medical debt in my name, nor were they allowed to share my information with the AssetCare LLC organization per HIPPA ; and if the company claimed otherwise it was a default scam. 

So, now, after consulting with a medical law professional and my mother, who is also a lawyer, I was instructed to file a complaint I have filed one with XXXX XXXX as well for this as it is a violation of the Fair Credit Report and breaks HIPPA guidelines.
Product: Checking or savings account

am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. 
However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 
This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

i XXXX XXXX, natural person am submitting a dispute on my own with no help of anyone, my dispute letter is attached plus proof of violations please see attachments. 

transunion you are also in violation of 15U.S CODE 1681N CIVIL LIABILITY FOR NON-COMPLIANCE YOU ARE ALSO IN VIOLATION OF 2. 15 usc 1681 e ( B ) 3. 15 U.S. Code 1693a ) 4. : 15 usc 1681 ( a ) ( 4 ) 5. 15 usc 1681b ( a ) ( 2 ) 6.15 usc 1681a- ( e ) YOU STATED IN YOUR LAST RESPONSE : " VERIFIED AS REPORTED '' IT IS CLEAR THAT YOUR COMPANY DECEITFUL AND YOU HAVE NO LEG TO STAND ON, LITIGATION HAS BEGUN AGAINST YOU
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry XXXX XXXX XXXX  and XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX, personal XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX, personal XX/XX/XXXX TransUnion XXXX XXXX, personal XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion
Product: Credit reporting or other personal consumer reports

According to my understanding of FCRA 605B, we must eliminate any erroneous accounts from my credit report. Please verify the documents, as some accounts have incorrect reporting, amounts, and dates.
Product: Checking or savings account

I entered into an agreement with my auto insurance in XX/XX/XXXX to have payments automatically deducted from my checking account on the XXXX of each month. However, XXXX attempted to deduct two payments instead of one ACH on XX/XX/XXXX. The first payment in the amount of {$340.00} was named a merchant ACH payment on one XX/XX/XXXX and money was deducted from my balance and showed as pending. Since the miney was dedected i assumed it was paid. However Adp/Wisely stated the company never collected the funds. Money on hold was never put back. Funds were never paid and my family policy was cancelled. The money was held for 5 days, never paid or put back. Adp sais A second payment was later denied when funds were in the account. The bank stated the reason that both deposits were denied was because they both came through on the same day. This was not the case however because the first payment came through on time the date of the agreement and contract sign was XX/XX/XXXX when it first appeared as a pending payment already included and to talk to, and from my balance in the amount of {$340.00}. The payment was named a corporate ACH payment. Ado put both payments thru on XX/XX/XXXX together. Neither were approved because it was requesting the amount of {$690.00} of {$340.00} on XX/XX/XXXX four days after the agreed upon ACH withdrawal date. I was at school across the country and did not receive notice of cancellation. However, in the state of New Jersey insurers are supposed to provide 30 days cancellation instead XXXX only provided 20 days cancellation never took a XXXX payment out, but took a XXXX payment out successfully on the correct date in the right amount of {$340.00}. XXXX XXXX refused to reinstate because they were aware a claim was being filed by s person who sideswiped me. Clearly XXXX XXXX should have taken out the payment in XXXX not waited until XXXX. I really dont understand these business practices and am disputing cancellation of this policy when my money was placed on hold on or about XX/XX/XXXX on my wisely account. I will have to file a dispute with the State of New Jersey Dept of Banking and insurance as well. 
Becauee ADP has not responded to my calls. The ach numer is attached below and will be uploaded. 


Sent from my XXXX
Product: Money transfer, virtual currency, or money service

I am writing to express some concerns regarding Zelles handling of disputes. particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system.
Product: Debt collection

This company continues to violate the consumer, i've specifically requested VALIDATION and the company has failed to adequately do so by the guidelines that have been established in the FAIR CREDIT REPORTING ACT. Ive requested original instrument ( s ) and any thing with an actual signature and still nothing. As u would like to avoid litigation, i once again am giving this company the opportunity to do the right thing, Cease and Desist, which would include the reporting of this fraudulent information to the Credit Reporting Agencies.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of disputes outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. Iam requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter off on XX/XX/2022. Here is my tracking # XXXX. To remove personal information that I don't want on my credit report. According to the Fair Credit Reporting Act 15 USC 1681, I have the right to privacy. Also, according to 15 USC 6802. A financial institution is not supposed to share my information to third-party people. 

These are clear violations of my federally protected consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 604 A Section 2 states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting late payments of over 90 days for XX/XX/XXXX, as well as the months of XXXX, XXXX, XXXX, XXXX and XXXX of XXXX. During that time, I was told my loan was in deferment due to unemployment. I was told that although I would be responsible for the debt, I was not required to make payments at that time. I did however pay what I could pay, whenever I could pay it. I recently received a copy of my credit report and found all the months are reporting as over 90 days late. 
I contacted XXXX via letter and requested the incorrect information be removed from my credit report as it is incorrect and is a violation of my rights under the Fair Credit Reporting Act. I received a generic response that the information was reported accurately and absolutely no investigation was completed as to why these late payments are being reported. 
Also, I am in process of loan discharge due to false certification, however, the school that I attended has been closed down and I am finding it difficult to obtain copies of transcripts.
Product: Money transfer, virtual currency, or money service

I tried to get in touch with cashapp to let them know my cashapp was hacked or I got scammed.. they told me its nothing they can do about it. And they closed my account so now I dont have a cashapp anymore
Product: Credit reporting or other personal consumer reports

Went to arbitration with XXXX financial in XX/XX/year> and the judgment was in my favor all late payments should have been removed due to the inaccuracy. The only credit bureau that is still showing late payments is Equifax. This needs to be fixed immediately to match my other credit bureau, reflecting no late payments.
Product: Payday loan, title loan, personal loan, or advance loan

I had requested a reamortization of a personal loan to reduce my monthly payment, with the hopes However, when the reamortization was complete, my effective interest rate increased by .25 %. After several conversations with customer service about this issue, it has yet to be resolved. The purported reason is that the conditions of a discount that existed prior to reamortization no longer applied. But if that is the case, I never received any notification about such change from SoFi.
Product: Mortgage

It started in XX/XX/2021, when I was told by Lakeview loan servicing/XXXX  ( they hold my home loan ) that my XXXX mortgage payment got lost, they found out that they move my payment to another account holder without my knowledge. I have never missed any of my mortgage payments and they know because my payment record shows it. They assure me they will fix within the next days, 5 months have passed I call them literally once or twice a week. I have talked to numerous of their agents including supervisors and even agents that supposedly resolve this type of issues, up to this date nothing is been done. Today I spoke to one of their agents and she told I have two days to repay that lost payment, threatening me to report it to the credit bureau, a payment they lost!

I have sent proof of payments from my bank that clearly shows payments posted to Lakeview not only once but several times. They have admitted that they got all my payments but they can not return my money to my account because is still under investigation ( its been under investigation for 4 months ) and I am paying the consequences. They have me over the edge, They have been sending letters threatening to foreclosure! 
I still hope this issue gets resolved soon so we get to enjoy our house we recently purchased.
Product: Debt collection

The representative from " Aldous And Associates '' said that there was a bill owed for a service that was bought fraudulently. I requested that the representative present the info and forged signature that the thief used and the representative refused to produce the signature or any other relevant information on the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 
1.XXXX XXXX XXXX 2.XXXX XXXX 3.XXXX
Product: Debt collection

We received collection notice on XX/XX/XXXX from Americollect, for services to my husband XXXX from XXXX at XXXX XXXX. We paid this bill XX/XX/XXXX upon receipt and now they sent to collections. Immediately on XX/XX/XXXX, I emailed supporting payment documents to the Collection agency and followed up with a phone call to XXXX later that day. She said to give it 2 weeks and they would follow up with XXXX XXXX. I called back in on XX/XX/XXXX, talked to XXXX, said XXXX hasn't responded, give it another 2 weeks. I called again on XX/XX/XXXX spoke to XXXX, they said they'd follow up ( email only ), but account can only be held until XX/XX/XXXX, which made me nervous, as no action took place yet. I called again on XX/XX/XXXX talked to XXXX, she said XXXX hasn't responded, I asked to talk to a supervisor, held for XXXX minutes, hung up and called back. Was then transferred to a supervisor XXXX at about XXXX pm. She didn't seem too concerned that I was frantic about our credit and said they'd follow up email again to XXXX. Getting nowhere, I called XXXX on XX/XX/XXXX, spoke to a XXXX, whom took my call. I had to send them supporting documents to email : XXXX, assigned case # XXXX. I have emailed them 6 times to check in, they said they would call collection agency to hold account. Per my call to XXXX at Americollect yesterday XX/XX/XXXX, XXXX has not at all reached out to them. We are at our wits end, and I told them both my husband and myself have XXXX credit scores, and no one seems to want to help us. No one seems to be helping us here, so I am turning to CFPB for assistance. Please let me know if you need anything additional and how this can get resolved once and for all. XXXX!!
Product: Credit card or prepaid card

Please be advised that every month when I make my monthly payment to Bank of America, they apply the payment not as expected. I have a purchase balance 19.99 % and a cash advance balance 26.99 %. I understand that any money send over the minimum payment must be applied to the highest interest balance. This is not the case with Bank of America. 
My monthly statements are not showing where my money is being applied and I am very concerned with this situation. To make matters worse they have been increasing my interest rate approximately every 2 or 3 months. All this situation has been going on for over a year now. 
I would greatly appreciate your assistance in this matter. 

Thank you very much!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have put a fraud alert, on my credit report. I have inquiries on my credit report for, accounts, that I don't have. Never applied for and I never authorized, to have my credit pulled. 

XXXX  credit bureau : XXXX XXXX credit pull on XX/XX/XXXX ( bank credit card ) XXXX XXXX XXXX XX/XX/XXXX ( finance reseller ) XXXX XXXX XX/XX/XXXX ( Auto finance ) I am XXXX XXXX and have never had a drivers license in my entire life! I do not drive. 

XXXX XXXX XX/XX/XXXX ( finance reseller ) XXXX : XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ( bank credit card ) Transunion : XXXX XXXX XX/XX/XXXX ( bank credit card ) XXXX  XX/XX/XXXX ( credit card ) I also have a address at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. This is not a address, I live at or have lived at. This is someone else 's address, not my address.