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

I have been a customer of XXXX XXXX with Barclay Bank for over 5 years with no problems. Last XXXX they changed the conditions of my card from rewards of 2 % on all purchases to 1 % except on food and gas purchases. In addition they fraudulently claimed that I requested a new card on XXXX XXXX which created problems for me. I know I could not have made this request because I fly from XXXX to XXXX on XXXX XXXX and on XXXX XXXX I spent most of the day sleeping. I suspect they did this so that the new credit card would be in sync with the new rewards program they surreptitiously put me into. 
On XX/XX/XXXX I made a purchase of {$71.00} and received XXXX points which is equivalent to a 2 % reward. On XXXX XXXX they charged my card for a rental at XXXX for {$1200.00} and gave me XXXX reward points. which is the equivalent of 1 %. Now there were a few problems with this deed. First off, I rented the car on XXXX XXXX and my card was charged that amount. Three days later the transaction disappeared. The second problem has to do with my booking this rental. I booked it with the XXXX website which promised 5 times the reward. Mysteriously, all records of this transaction disappeared in my emails. I suspect the reason for the company 's dubious behavior has to do with the bogus insurance they offer when I made the initial rental reservation. I declined this bogus insurance from XXXX because on a prior rental I was forced to buy insurance from the rental company after I secured this fraudulent insurance. The next time I rented a car I naturally declined their sham insurance. At that time I noticed I did not receive my proper reward for the rental. 
To sum up, I think this disreputable company is engaging in deceptive practices. Law panders to these predatory companies and they think they can engage in shady practices with impunity.
Product: Money transfer, virtual currency, or money service

In XXXX, XXXX, I was approved a total amount of {$64000.00} by SBA as an XXXX XXXXXXXX ( I am a XXXX XXXX XXXX by profession ). The fund was deposited into my checking account. The fund was initially held and was later released to me after providing all the documents used in applying for the loan. I opened a business account and transfer the funds in the account. In early XXXX without any notice I discovered that my account was held again for the second time and all my address was held. I called severally to find out why all my accounts are closed ; I was finally told that I am under investigation due to my SBA loan received. I was made aware that the fund will be returned to SBA. On XX/XX/XXXX I received a mail stating my account was closed because " it's no longer a good fit ''. I received an invoice for repayment of loan from SBA for the money I did not have access to. I called Capital again today, I was fortunate to speak to someone in the fraud department who told me that it was minute on the computer that my case was closed on XX/XX/XXXX, and the money has been returned to the government via secret service, who then will send the fund back to SBA. She said that is the process capital uses. I called SBA they said the fund has not been returned to them. 
I will be glad if you could use your good office to resolve this concern/problem in a transparent manner so that I will not be paying for the money I do not have. 
Thank you
Product: Money transfer, virtual currency, or money service

Hello, I got scammed on my XXXX  account, XXXX XXXX a hacker ) messaged me saying if I wanted to convert my money into 10x more, I trusted her becase my cousin had already made a video thanking this person, so I sent her XXXX after sending her the money she told me she had a better deal that if I sent her XXXX more shell send me XXXX I sent her the money and after that she told me I just needed to send her a 15 second video thanking her for the money just to find out this was all a scam, after this my XXXX got hacked and she uploaded my video making some of my friends fall for it too.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX And : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Removal of Exposed Credit Information Under 15 U.S. Code 1681b Dear Sir or Madam, I am writing to formally request your assistance regarding an issue involving the unauthorized exposure and use of my credit information. My credit report has been accessed and exposed without my permission, which constitutes a violation of 15 U.S. Code 1681b, concerning permissible purposes of consumer reports.

According to this law, consumer reporting agencies may only furnish credit reports under specific permissible purposes outlined in the statute, such as with the consumer 's consent or for legitimate business needs. I did not authorize the disclosure or access to my credit information in this instance. 

I respectfully request the following actions : 1. Immediate Removal of Exposed Credit Information : Please ensure that any parties who obtained my credit information unlawfully are required to remove it from their systems.

2. Investigation and Resolution : Conduct a full investigation into how my information was exposed and confirm whether the use of my report complied with legal standards.

3. Protection of My Rights : Take the necessary steps to prevent further unlawful acts regarding my credit information.

Additionally, I would like to address discrepancies concerning XXXX entities : XXXX & XXXX : I do not own this debt and have not entered into any contract with XXXX XXXX XXXX. This discrepancy should be removed from my credit reports immediately. 

AXCSSFN/CNGO : Similarly, I do not own this debt and have no contract with AXCSSFN/CNGO. This entry should also be removed from my credit reports immediately. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

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

filed complaint against Equifax XX/XX/2020 with CFPB # XXXX. Equifax acknowledged interim receipt of this complaint on XX/XX/2020 but failed to pursue action.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2018, I checked my credit score and found that XXXX had lowered my score by 26 points due to an unknown inquiry and/or known inquiries on my account. I called XXXX to complain and received no satisfactory resolution to my complaint. I am a veteran XXXX XXXX XXXX and occasionally receive calls from lenders wanting to extend credit to my company. Since I am the owner, they generally want to check my personal credit history. This should not be a reason to lower my credit score. I employ approximately 50 people, many XXXX veterans, like myself. I feel that I am being unfairly treated and hindered in my ability to conduct business in the ordinary course as a result of this lowering of my credit score.
Product: Debt collection

XXXX XXXX is trying to collect on debts I do not owe. My identity was stolen years ago, and I have also filed a police report. Report # XXXX. I have never signed with these creditors. The bureaus keep verifying these accounts, and I have demanded proof of verification on all XXXX accounts.
Product: Checking or savings account

XXXX XXXX  has been double charging their collections two times in the last three months for example a check was sent in XXXX XXXX and XXXX and of those 3 months, twice in XXXX and XXXX an unauthorized auto pay was taken from a different account. Ive spoken twice to three account representative at three times who said nobody can help you its the weekend, another time theyre unable to access their system because the auto pay was grayed out and the third who said I have to call chase bank to stop their auto pay. During the same conversation he says he would be happy to stop auto pay and then says hes unable to stop auto pay telling me me I have to call my bank XXXX. So I call XXXX who I tell this to and they tell to call Synchronicity bank to stop the auto pay, which I inform the XXXX bank rep the XXXX XXXX rep tells me the opposite now your telling me the opposite. While a paper check payment shows posted on the statements on both banks paper, they have me going back and forth them adding potential fees for returned payments, insufficient funds and stop payments on systems of double payments that are becoming cyclical that theyre unable to put an end to without owing them more than if this clitch in theire systems began and Ive tried with four phone calls total to both XXXX and XXXX bank combined with apparently no business ethics that I would remotely want to recommend to others.
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$270.00}
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any accounts which is found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, this accounts being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The accounts that they must remove is listed below : XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In XXXX I noticed I had inquiries that I didnt authorize on my credit report. I called transunion and they said I need to contact the creditor in which I did. They in turned sent me back to credit bureau. Please remove these inquiries off my credit they are not authorized and preventing me from purchasing a home. My identity was stolen in XXXX  and my credit is being pulled without notification please help me resolve this issue. I reported this on XX/XX/XXXX with only to get another letter from transunion saying verified
Product: Credit reporting or other personal consumer reports

There was a collection reporting to Equifax, but the company requested that it be deleted since I paid it. The company sent a letter to both me and Equifax and they still haven't removed it.
Product: Debt collection

I withdrew my son from XXXX XXXX XXXX by writing and sent through the mail. They are claiming they never received it and are charging me 2 months of daycare that was never used. I submitted the dispute along with papers to their collection agency, Knights Adjustment bureau. I agreed I would pay the 2 week-ish that was owed to XXXX XXXX, but would not pay for the 2 months they were charging me, but they would not accept it. I have continued to dispute this on my credit reports. I have yet to receive any sign contracts or anything from them. They even have gone after my sons father for this debt and put it on his credit reports, but he never provided a SSN to them or signed anything. 
( I can supply copies of documents if needed. I 'm not at home to attach them )
Product: Credit card or prepaid card

Promotion was for XXXX XXXX XXXX points for adding an additional user to the card within 30 days of account approval and the additional user making a purchase within 90 days of account approval. 

Account was approved XX/XX/2019. 
Call to add additional user was on XX/XX/2019 ( have call logs to prove this ). This is 29 days after account was opened and within the 30 day requirement. 
Purchase by additional user was made on XX/XX/2019, within the 90 day requirement. Have statements to prove this, and Barclays should have access to this. 

Called several times to request points, was told that either of those two requirements were not met. Barclay 's claims additional user was added XX/XX/2019, after the 30 day requirement. I am providing call logs proving I called Barclays to add the additional user on XX/XX/2019.
Product: Mortgage

Approximately XXXX ( XXXX ) weeks ago Recently I wrote about what the procedure was in the event that I wanted to discontinue my escrow account. 

Then, on XX/XX/year>, I received a letter from 5th 3rd bank indicating that, effective XX/XX/year>, my escrow account was closed and cancelled. 

I did not want it closed/cancelled, I was just asking for information. 

I want my escrow account to be reinstated. 

I spoke with someone on the phone and I was instructed to submit the request in writing. 

I submitted the request to XXXX, but all I receive is an auto reply that my escrow account is cancelled However, all I receive is a form letter indicating that my escrow account is cancelled Thank you.
Product: Credit reporting or other personal consumer reports

I have tried to fix incorrect information on my credit report from all three credit Bureaus XXXX, XXXX and Experian months ago and many incorrect information is still being reported on my report for some time now which is very damaging to my name, reputation, character and my credit worthiness. I have been denied credit many times and have had high rates with Loans due to my credit reports having inaccurate information which puts me at a frustrating point to struggle to do any form of business or personal matters. 

There are multiple different names and multiple un-mailable addresses and wrong phone numbers and charge offs reported on my report which according the IRS publication charge offs are INCOME and must not be reported on any credit report but its is on mine I have uploaded two of my reports I can't upload all three website state too much file but you can see from my credit report many inaccuracy
Product: Mortgage

To : Consumer Financial Protection Bureau ( CFPB ) From : XXXX XXXX Re : XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX Account # XXXX Date : XX/XX/2023 Based on the Office of the Comptroller of the Currency ( OCC ) official comments, Wells Fargo didn't capture all of their clients that were involved in denied Loan Modifications. Numerous individuals lost their homes due to the robotic foreclosures that took place during that timeframe. My property in XXXX  XXXX Florida ( XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX ), formally part of XXXX. was one of those properties that should've have been part of your original class membership. The fact that it wasn't identified is the real problem that the OCC had noted.

I strongly believe that the initial review performed by Wells Fargo to identify these properties was not encompassing, thus incomplete. The various updates provided by the OCC reflected that the number of homes affected ranged from XXXX to XXXX homes. One can reach the conclusion, that not identifying all of the potential clients may have been self-serving and ultimately saved Wells Fargo XXXX in penalties and settlements. My primary residence fell between the cracks and I'm sure there are other properties that were not properly identified. XXXX, they were not included in the class action suit, thus not entitled to any of the penalty funds put aside for this purpose.

The attached documents reflect correspondence ( s ) between the individuals that were coordinating these efforts for " Wells Fargo ''. As noted, the responsible representatives and/or assigned Attorneys just ignored the correspondence and foreclosed on my property, without a modification. The foreclosure ultimately lead to bankruptcy. 

Please review the information that Ive attached. If you need any additional information please contact me via my email ; XXXX and XXXX respond promptly. 

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

I recently looked at my credit report with ( XXXX ) and I noticed some late payments posted on my credit report. 

Unfortunately, your agency is in a clear violation of the law. 

Under 15 USC 1681b- permissible purpose of consumer reports, The Law Clearly States ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you written instructions to furnish this account on my credit report? 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 



Account Name : XXXX XXXXXXXX Account Number # XXXX Account Name : Old Navy Account Number # XXXX Account Name : XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company frauded millions of students out of money for student loans and are nowhere to be found. I have written letters, attempted to call and nothing. This company is out of business and as of recently I was made aware that XXXX is under investigation but the XXXX XXXX the fraudulent behavior. XXXX, XXXX nor Experian has verified any of the information that I continue to give to them and this has turned into a literal nightmare! Even the contact info on my credit report is not valid, the number is disconnected with no forwarding number. Even the letters that I sent are simply returned!
Product: Credit card

To Whom It May Concern, I am writing to complain about my experience and service of how fraudulent charges on my credit card were handled. On XX/XX/XXXX, I received a phone call from TDBANK about fraudulent charges on my account. When I spoke to the agent, we reviewed charges and discovered there were multiple unauthorized charges from XXXX, FLORIDA. I reside in XXXX, VA and have never been to Florida. This was also under my business credit card, which I only use for business purchases. The charges were transactions for a total of {$980.00}. The Agent informed me that charges would be investigated and not to worry. I was informed that my card was likely compromised through airports, or gas stations etc. I was told that they will close the account and send me a new credit card within XXXX business days. On XX/XX/XXXX - XX/XX/XXXX, I was on a business trip to XXXX, CA. This trip requires for me to be IN PERSON as a vendor. Upon coming home, I noticed that my account had not been closed and that I had yet to receive my new credit card. I contacted TDBANK again on XX/XX/XXXX to prevent these pending fraudulent charges from accruing. On XX/XX/XXXX, I received a letter that after reviewing and investigating available information and documentation that I my claim of {$590.00} was denied due to the information that I had my chip card in possession. I did however, received partial credit for {$390.00} of the charges despite it coming from the same occurrences. I asked to speak to the appeals department or someone in a higher position, however, every agent would lead to another of the same tier. After countless calls with TDBANK trying to appeal and refile my claims, on XX/XX/XXXX, I went through with my local branch where I was informed to FAX documentation proving that I was NOT in XXXX, Florida when these charges occurred. I was also advised to write a formal letter to TDBANK to help further escalate the situation. On XX/XX/XXXX, my claim was once again denied for the same reasons. I have made the payment on my XXXX statement to these fraudulent charges to prevent interest from occurring as well as my credit score. To this day, I am still owed {$590.00} of the charges that was wrongfully burdened on my account and I am still in a constant loop with TDBANK. Please help me with this situation.
Product: Payday loan, title loan, or personal loan

Denied loan based on excessive obligations in relation to income. What is the formula on debt to income, and if you are looking for bill consolidation loan, whats the drawbacks to that to lower obligations?
Product: Bank account or service

Bank of America I am been a long customer with this bank. I had a wire transfer that I needed to stop. Wire transfer was done late in the day and was told that it will not transfer till next day. I called at night and was told that they are closed and open XXXX. No specific time zone. I called at XXXX PST time but the automated system keep saying that they open at XXXX. I woke up again ant XXXX and when connected, they said that it was transmitted already since they open at XXXX est. 
This bank is deceiving and prohibited me from connecting with the call center so that I could get help. 
Dishonest.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved and updated as soon as possible. 
XXXX XXXX XXXX late open XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I made an online purchase when I figured out that a company is scamer I cancelled the agreement with them, so they refunded after that I saw the refund in my bank account i mean the number, i called my bank they said i had the refund in my account but i couldn't use the money, I made a claim with my bank, i went to understand more in a bank brunch, they said wecan not doanything they kiked me out of the branch, after few days they said i spent the money even the bank statement shows that all my purchases were after transfering from my saving to checking, i called my bank again they said i spebt them, after few days i received a letter from them saying the claim is closed