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

I tried to link my XXXX XXXX XXXX XXXX checking account as an external account to my Barclays online saving account in late XXXX. I initiated the linking at Barclays end. Instead of linking my accounts together so I can transfer funds, Barclays shut down all my access to my Barclays account without notifying me. I did not realize that until a few days later when I tried to log into my Barclays account but only found that I could not even with correct username and password. When I contacted customer care, the rep informed me that my access was cut for security purpose but again they would not notify their customers unless customer contact them. And the general customer care could not resolve the issue but the fraud/security team or so was not on duty on a weekday late afternoon. I had to wait until the next business day to call back. Even that the security team would not give a direct phone number or take customer phone call like all other banks usually do. Instead, Barclays security team will ask the front line representative in general customer care as the messenger to talk back and forth between the specialist at security team and me, the customer. 

They requested my other bank, XXXX, to provide a letter to confirm that I am the account holder, but they still refused to give my account access back even I requested one from XXXX. They decided they wanted a statement instead. The drama lasted for even more days before I finally regained the access to my OWN account. The whole week-long lockout was not resolved by Barclay 's assistance if there was any. I ended up agreeing to delete my external account to get my access to my own Barclays bank account back. The whole time, Barclays ' security team was very unprofessional and rude to not only me, the customer, but also those poor front line CSR. At this moment, no one from Barclays has contacted me once to notify the lockout or any progress. It is unbelievable that one of the largest multinational banks in the world carries out business this way.
Product: Credit reporting, credit repair services, or other personal consumer reports

Factual Data has now run a hard inquiry on my credit 2 times in the month of XXXX without my consent. 

Filed a complaint with the CFPB after they didn't fix it the first time and they got the inquiry removed. 
When I saw the second one come through on XX/XX/2021, I requested they remove it, which they agreed to do, but its now XX/XX/XXXX and the inquiry has not been removed. 

The company needs to stop running my credit, without a reason to, and request my consent if they do need to run it. 

I was shopping for a home loan this month, and was very frustrated to see the inquiry had dinged my credit score. I have been guarding my score very closely.
Product: Vehicle loan or lease

I took out a car loan from Bank Of America. I didnt receive a way to pay until the first bill was already past due. When I tried to pay the bill online or in person I wasnt able to due to not having a banking account with them. They asked for either cash or a check. The cash amount requested is larger than I am allowed to withdraw from my bank, and I do not have checks. I do have a checking, savings, and money market account to wire money from and a debit card, but they refuse to take any of those forms of payment, despite being a bank. I have the money to pay them, but are evasive to make it so I can not give it to them
Product: Credit reporting or other personal consumer reports

( XXXX, XXXX ), ( XXXX ), ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card at XXXXXXXX XXXX on XX/XX/XXXX Account number ( XXXX ) a personal credit card opened at XXXX XXXX  XXXX on XX/XX/XXXX Account number ( XXXX ) a personal credit card opened at XXXXXXXX XXXX on XX/XX/XXXX Account number ( XXXX ) a personal credit card opened at XXXX XXXX XXXXXXXX XXXX  on XX/XX/XXXX Account number ( XXXX ) These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 
All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Midland Funding LLC appears on my credit reports for an account that went into collection. I contacted them to pay the debt and was told they sent the account to a law firm called XXXX XXXX XXXX  XXXX and gave the contact info for them. I contacted them and paid the $ XXXX dollars that was owed. I have a letter from XXXX XXXX XXXX XXXX proving I paid in full and owe nothing else. I also received a letter from the Magistrate Court in my area showing the case they filed, but never went to trial, has been dismissed with prejudice meaning they can not attempt to sue me in the future due to the fact that I paid. Now, about a month later, Midland Funding LLC is reporting a debt of {$180.00} referencing the same account number. I called Midland Funding LLC and spoke with a " Mr XXXX  '' ( script name for sure ) and asked why are they still reporting an unpaid debt and where did this amount come from? He said its being handled by another dept and attempted to transfer me. After being on hold for about 10 minutes, Mr XXXX came back on and said that dept has left for the day and I should call back the next day before XXXX ; XXXX. I keep getting the runaround from this company. They never attempted to contact me about this {$180.00}, This seems pretty strange to me since I paid in full and have a letter stating such. And I have a letter from the court saying this has been dismissed SINCE I PAID. If Midland Funding LLC feels that I still owe them {$180.00} why dont they send a letter or a bill? No, they just go straight to the credit report. I feel like Midland Funding LLC is attempting to extort money from me they are not owed. They are holding my credit report hostage. Im disputing the debt with the credit bureaus but we all know how that goes. It takes some time. This company does not want people to get out of debt. And in fact they ignore a judges order of dismissal.
Product: Credit card or prepaid card

I had an unexpected electrical bill for a rental property in the amount of {$1700.00}. CitiBank offered a flex pay arrangement for that so I signed up for it. They only gave me {$1100.00} for the flex pay. Leaving {$600.00} outstanding. I have outstanding credit - FICO of XXXX. I always pay my balance off fully, have never been late. There is over 10k credit available on that card and {$35000.00} on a different card with them so it seems they have refused me credit without cause. I chatted with an agent who said it was a computer program that decides the amount flex will loan. I asked to speak to a supervisor and there was no chat available so only a phone number ( I am very hard of hearing and it is not easy for me to do business on the phone. ). I tried but the agent did not know how the credit decisions were made. I asked to speak to that supervisor and was disconnected. 

I also asked how the flex payment would affect my automatic payment for the full balance and did not get a good answer. Seems the staff are not trained on this flex product.
Product: Credit reporting, credit repair services, or other personal consumer reports

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.
Product: Vehicle loan or lease

I called the company once and due to financial hardship I did not get in contact with them to make payment arrangements. Without a car I will lose my job and as a result of delinquent rent payments I am currently being evicted. Their online payment portal is down and I am unable to retrieve my account/loan number to conduct any business. 

My name is XXXX XXXX I own a 2014 XXXX XXXX My payment amount is {$400.00} My address is XXXX XXXX XXXX XXXX, Ohio XXXX
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items to be inaccurate. Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, & shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general it, after any reinvesogation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation, and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following item from my credit report, immediately : [ XXXX XXXX XXXX XXXXXXXX XXXX ] [ XXXX ]
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in months that are reported late to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

I was a past tenant at XXXXXXXX XXXX XXXX in XXXX CA ( XXXX ). This apartment complex reported {$20000.00} of debt to XXXX XXXX XXXX XXXX. When I contacted the apartment complex after I noticed a change on my credit report showing this debt, they had no information to give me besides to contact the creditor to file a dispute. I made contact with the creditor company on XX/XX/2021. I spoke to XXXX XXXX. I completed the dispute process over the phone with her ; I was told she was going to she was going to contact the apartment complex and that a 30 period for the apartments to respond would begin stating this day we spoke. XXXX stated she would forward me whatever documentation she obtained from the apartments regarding the debt. I never received any email from XXXX. I called XXXX back and spoke to her on XX/XX/2021 and left a voicemail. As of XX/XX/2021 I had not received an email or call back from the creditor. I then called again XX/XX/2021 I spoke to XXXX, she said she had gotten a copy of the charges filed by the apartments and that the dispute did not start until XX/XX/2021. XXXX had made it very clear when we first spoke the dispute would go into effect that day we filed it. When we spoke XX/XX/2021 XXXX stated she would email me a copy of all documentation that she has obtained and I have not received any of this information whatsoever. 

The 30 day window that began XX/XX/2021 or XXXX/XX/XX/XXXX have past and I have yet to receive a single document or email from the creditor dispute my multiple attempts to proceed with the dispute. 

Lastly, I want to add XX/XX/2021 when I spoke to the XXXX XXXX  ; I spoke to Mr. XXXX and the manager. I was told I would be emailed a copy of all changes and those were never sent to me either. The apartment complex stated they do have my file on hand and that it is in a storage unit.
Product: Mortgage

I finalized a Home Equity Option agreement with XXXX XXXX XXXX XXXX XXXX back in XX/XX/XXXX. The agreement was subsequently assigned to RoundPoint Mortgage Servicing for servicing of the agreement. Upon request from Roundpoint, I forwarded all evidence of property insurance, including Flood insurance, Condo Unit Owner 's insurance and Condo Master Policy insurance to Roundpoint by uploading unto their website, by email and mailing current copies of each property insurance. In addition to calling, in XXXX and XXXX, and speaking to Roundpoint representative, who assured me my insurance policies were up to date, I also had my insurance providers add Roundpoint on my policies and forward the insurance information directly to Roundpoint. Nevertheless, I continue to receive notices ( first notice received in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) from Roundpoint for evidence of insurance and payment for XXXX XXXX. Finally, I called Roundpoint again on XX/XX/XXXX, after receiving the XX/XX/XXXX dated notice. Needless to say, I was very frustrated. The Roundpoint representative hung up on me before I could finish explaining my situation. At first, I thought it was a disconnection, but since I did not receive a call back, I decided to call back once again and was then transferred to the insurance department. After what amounted to be a long wait, the insurance representative got on the line and proceeded to indirectly mock me and my accent; pretending not to hear or understand me. He then placed the call on speaker which caused an echo in the connection. He appeared to be having fun at my expense. I had never had this issue on previous calls, and plan to pursue legal action if this issue persists, and the I continue to receive the harassing notices.
Product: Mortgage

Nationstar denied loan modification for property that was purchased XXXX XXXX with XXXX who was in process of beingsued for " preditory lending '' and filing for bankrupcy in that very month and year. 
Nation Star Mortgage eventually gained control of our mortgage from XXXX. There is a break in the chain of title of & gt ; the mortgage. MERS transferred the mortgage to Nationstar on & gt ; XXXX XXXX, XXXX, but before that on XXXX XXXX, XXXX Freddie & XXXX XXXX Mac owned the mortgage & gt ; ( please see attachment from attorney XXXX XXXX that I havesubmitted for complete information on this. ) Further, The process for " loan modification review '' lasted from XXXX XXXX XXXX, XXXX while the foreclosure process was moving along and is now is the final stages of the Judiciary process. 
I feel that Nationstar did not act in a timely manner and is not following guidelines for a fair loan modification on this property. Reason for mod denial is that the " delinquent amount due '' is too high to produce a lower mortgage when that amount has been increasing steadily as the loan mod review has taken so long. Nationstar regularly asked for documents, and then when those were in, found more documents they needed ; documents that had " timed out '' while Nationstar continued to request new documents had to be resubmitted. The process would begin again for review ; the request for additional documents would come XXXX by XXXX as the time ticked away and the " review '' could notbe completed yet! I worked diligently with Nationstar to complete the " Borrower 's Packet '' and qualify for a Loan Modification. I do n't feel that they have worked to meet my needs in a timely fashion and may not have followed the correct guidelines for a Loan Modification on my behalf. There also seems to be some illegal activity around my account, per the documentation that I have provided in an attachment from Attorney XXXX XXXX. A Sale Date is certainly immanent now on this property. Though XXXX XXXX has given me some council on this matter, he is not currently my attorney. I am working with Legal Aid of Hawaii now to hope to stop the foreclosure. Their resources only allow for Loan Modification assistance. Without immediate attention to this matter, Nationstar will likely foreclose on my property, as there was a sale date of XXXX XXXX, XXXX which was " post-phoned '' by the XXXX Commissioner while the Loan Modification Denial Appeal Review was in progress. 
My appeal for Loan Mod. Denial was denied today, XXXX XXXX, XXXX. 
I am XXXX years old. I purchased this property for my children and grandchildren. 
I would like to keep this property if at all possible. thankyou. 
.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, and XX/XX/2023, I sent letters to XXXX, TransUnion, and XXXX disputing inaccurate items being reported on my consumer credit report ; however, they have failed to respond in a timely manner and were unable to provide me with a copy of verifiable proof regarding their investigation and the validity of the accounts being disputed.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), XXXX, TransUnion, and XXXX are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that are posted on a credit report. Otherwise, anyone paying for their reporting services could fax, mail, or email in a fraudulent account.
Product: Credit reporting or other personal consumer reports

I Must express my deep dissatisfaction with the continued negligence displayed by your company in addressing the inaccuracies present on my personal credit profile. Despite my numerous letters requesting a thorough investigation and removal of such misleading information, it appears that my concerns have fallen on on deaf ears. it is important for you to understand that by law your required to take immediate action upon receipt of such request. Your persistent refusal to comply with the legal mandate forces me to escalating the matter and pursue legal action against your organization. Rest, assured, I awfully prepared to take all necessary steps to rectify this situation and uphold my rights as a consumer. I urge you to take this matter seriously and promptly address the issues at hand. I have submit dispute documents regarding Negative, incorrect, and outdated information. I Value my credit integrity greatly and fully intend to exercise my rights under the FCRA to the furthest extent. I expect a prompt and satisfactory response from you at your earliest convenience. 

In Violation of Consumer Law 15 U.S. Code 1681b Subject to subsection any consumer reporting agency my furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom is relates. 

Each Account is owed {$1000.00} due to Violation
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Bankruptcy U.S. Bankruptcy Court - XXXXXXXX XXXX XXXXXXXX - Incorrect Employers XXXX XXXX XXXX XXXX XXXX - Incorrect Address XXXX - Incorrect Address XXXX XXXX - Incorrect Name
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX } { XXXX XXXX XXXX XXXX { XXXX } XXXX : XXXX { Credit Bureau : ALL 3 } { Credit Bureaus : ALL 3 } { XX/XX/XXXX, XXXX : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on ( XX/XX/2022 } and I noticed an unauthorized credit inquiry had been made. I contacted { inquiry sources name }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the [ XXXX ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. Thank you for your assistance in this matter, XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

An individual has used XXXX XXXX in XXXX to open and account or purchase a phone using my name. I have never been or will ever be a XXXX   customer. The amount is {$1100.00} and I have a phone number attached to my credit report that I have never seen or used starting with I believe XXXX or XXXX. I have never been in a XXXX XXXX store, never signed anything with XXXX and have never received a call from XXXX XXXX or a collection agency on this matter. I hope they have a video of this person or signatures that we can verify arent me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone opened an account in my name and now has defaulted on the card. I had no knowledge of this account until i applied for credit and found out XXXX XXXX
Product: Vehicle loan or lease

The car was send back due to a factory defect and was charge off by a lender and are asking to pay for car thats not in hands
Product: Checking or savings account

My husband, died in XX/XX/XXXX. He had some of his retirement savings in a CD with Capital One 360, I contacted them in XX/XX/XXXX and asked to have the account closed and the money sent to me. I included Death Certificate, Letter of Administration from State of Maryland and a letter of Instruction from me asking to have the money sent to my home address. 

I have contracted them at least 10 times ... Always a Representative says you should have the money in 10 days, or it's " under review ''. It is now XX/XX/XXXX ... .I don't know what to do ... .I need help