23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have a credit card with barclaycard us. I informed barclay of an unauthorized ( refund ) charge on my account by a merchant who send an email confirmation stating that this charge was refunded and should be refunded. I provided the refund confirmation email to barclay over a year ago to no avail. I have been back and forth with barclay for an entire year. The provided a provisional credit and then reverse the credit with no explanation. I last spoke with XXXX a customer representative of barclay on XXXX/XXXX/XXXX who confirmed that all the documents was received for the credit and she send an email to that department for processing. She informed me I will hear from barclay in 72 hours and no one contact me. I called again on XXXX/XXXX/XXXX and spoke with XXXX again and she again said someone will contact me when the charge is reverse. I did not receive any calls from anyone. I have received interest charges on this account for over a year and I am asking for the reversal of the charge and the all interest charges for this transaction over the entire year plus. 
The amount is {$210.00} and the company name is XXXX XXXX. XXXX has not respond and refuse to response since communication in XXXX.
Product: Checking or savings account

My mother now deceased left a CD to be cashed upon her death to cover funeral expenses. The CD was with XXXX which later moved to Wells Fargo. I was Co-named on the CD to facilitate cashing the instrument. After her death ( XX/XX/XXXX ) I went to Wells Fargo to Cash the CD. Wells Fargo said they had no record of the account and that it must have been cashed. They could not locate any records of cashing of the CD or anything to do with the account including automatic renewal. I believe they lost the record and failed to update the auto renewal. The CD account was opened XX/XX/XXXX. She was in full command of her faculties at her time of death. The CD was for XXXX Dollars.
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Open {$840.00} Account Details Last Reported XXXX XXXX, XXXX Collection Agency XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XXXX XXXX, XXXX Closed Date -- Responsibility Individual Balance {$840.00} High Balance {$840.00} Remarks Account information disputed by consumer, meets FCRA requireme XXXX XXXX XXXX APARTMENTS XXXX XXXX XXXX, XXXX Closed {$1500.00} Account Details Last Reported XXXX XXXX, XXXX Collection Agency XXXX Original Creditor XXXX XXXX APARTMENTS XXXX Status Closed Opened Date XXXX XXXX, XXXX Closed Date -- Responsibility Individual Balance {$1500.00} High Balance {$1700.00} Remarks Account information disputed by consumer, meets FCRA I am a victim of identity theft. I have filed a complaint with FTC and has followed all protocol for FTC. I have no knowledge of the accounts that was opened in my name.
Product: Mortgage

Bank of America has charged off the mortgage, but is not accepting payments. I would like to keep my home and apply for a modification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite disputing various inquiries with the creditors and all three credit bureaus, I get form letters that are not resolving the issue. I provided proof that I did not authorize the inquiries. There have not been any deletions of the erroneous information affecting my score and quality of life due to many inquiries. 

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

After receiving my consumer report from XXXX, I noticed a few fraudulent accounts. The FCRA intends to secure consumer rights to privacy, and my privacy has been breached. After stating the claim and disputing the fraudulent accounts, XXXX is still reporting on my consumer report negative/inaccurate accounts. Im reporting this activity to CFPB because my rights have been violated. Pursuant to Fair Credit Reporting Act, 15 USC 1681n, XXXX willfully failed to comply with the requirement under the provision of 15 USC 1681 ; therefore, XXXX is civilly and criminally liable for causing me mental anguish. I have attached all supporting documents along with my Affidavit of Truth and FTC report.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to TXXXXXXXX  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 CreditReporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company informationTransunion. Please delete the following accounts. 

XXXX. XXXX XXXX Balance {$850.00} Account # XXXX XXXX Balance {$420.00} Account # XXXX XXXX. XXXX XXXX {$440.00} Account # XXXX XXXX. XXXX XXXX XXXX {$650.00} Account # XXXX XXXX. XXXX XXXX Balance {$4600.00} Account # XXXX XXXX. XXXX XXXX Balance {$1600.00} Account # XXXX XXXX. XXXX XXXX XXXX {$390.00} Account # XXXX XXXX. XXXX XXXX XXXX {$550.00} Account # XXXX XXXX. XXXX XXXX XXXX {$450.00} Account # XXXX
Product: Debt collection

According to Federal Trade Commission guidelines, a debt collection can not be valid without the following criteria from a debt collector : The debt collection must be bonded and licensed. There are no licensing requirements in the state of New York, but the collection firm must show evidence that they are registered to do business in the state of New York through the Office of the Secretary of State in XXXX, New York. No such proof has been submitted with the attached letter. The debt collector must be bonded, no proof of bonding was submitted. A signed copy of the legal right to collect must be submitted showing proof of any power of attorney, transfer rights or ownership. No such documentation was ever submitted. Accordingly, the attached attempt to collect a debt on behalf of Synchrony Bank/Lowes is deemed VOID. My complaint for such documentation will stand in any state or federal court. Therefore, I demand a full compliance before XXXX XXXX attempts any debt from me personally without proper documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

It looks like OPPORTUN BANK has requested my credit file via a hard inquiry three times in the past 18 months without my knowledge, permission or approval. 

On XX/XX/XXXX OPPORTUN BANK requested my credit file without my knowledge, permission or approval of a hard inquiry. 

On XX/XX/XXXX, I was sent a letter from OPPORTUN BANK Credit Department stating " a request has been made to the credit reporting agencies to remove the inquiry on XX/XX/XXXX from your credit report '' however, the fraudulent request is still on my credit report today two years later on XX/XX/XXXX. 

This is lazy, irresponsible, fraudulent, and dishonest banking. I have never done business with OPPORTUN BANK and any related agency related to this specific credit request for a credit card on XX/XX/XXXX does not have a permissible purpose for requesting my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally Bank have been showing a charge off account as closed for over 3 years on XXXX  and now has changed status to open which lowers my payments history ratio. I have been reaching thing to change back agent said he doesn't see my account and they refused to repossessed car and now charging me more fees when I was under XXXX and wasn't supposed to accumulate late fees.
Product: Debt collection

I got a debt collection notice in the mail from Dynamic Recovery Solutions in connection with several other debt collection agencies known as " XXXX XXXX XXXX ''. I don't know what this means I find it misleading as a consumer. Regardless, they are trying to collect on a debt from a company I have never done business with. I am requesting that they please prove that this debt even belongs to me and consider this my request for validation and verification.
Product: Mortgage

Good day! 
I received a modification with Carrington Mortgage. It was confusing because first i was denied then I received one, then I was trying to make the payment on XXXX XXXX and I called the number on the modification and I was not able to make it. We called Carrington and spoke with XXXX in foreclosure department and he advised that someone would call me. I never received a call. I kept calling the bank to no avail. We called again today and finally spoke with XXXX in the Home Retention Department and I was advised that I had to reapply. I offered to make both the XX/XX/XXXX payment and the XX/XX/XXXX payment, but she said she could not take my payments. This has been a very stressful situation and I am at my wits end. Now XXXX advised that I have until Thursday XX/XX/XXXX to submit ALL of the documentation all over again. Please assist me in not losing my home, as I waited over 5 years to finally receive one and when I was going to pay they are not taking my payments. Another thing that they did, is that we kept having people trespass onto our property because all along they had the property on Auction.com while we were in the modification status, so how can we believe that even making the payment the house would not have been foreclosed, seems they have been dual tracking all along. The people stated that we were going to auction because we were losing our home! Can you imagine how one feels when we are trying to make payments and we hear this? We need your assistance in this matter. Thank you in advance.
Product: Debt collection

I don't know what this company is. It just appeared on my credit and I did not get proper notification by mail per FDCPA which makes this against the law and has also dropped my credit score without me even knowing until my mortgage company pulled my report. I am aware for each violation that occur it is {$1000.00} so I will be speaking to counsel about this debt if it is NOT removed from my credit reports immediately.
Product: Credit card or prepaid card

On or about XX/XX/XXXX I purchased onlinetwo XXXX tickets from XXXX  to XXXX on Delta airline. At that time while I was online, I was offered a XXXX mile Delta air miles bonus and cash bonus upon use of the card to purchase an approximate {$1000.00} over a specified period of time. I applied for this card, and was immediately notified of my acceptance for this offer. I received the card in the mail on or before XX/XX/XXXX, and called and activated the card on XX/XX/XXXX. Following this activation process, I asked for a confirmation of the mileage offer which I had applied for in XX/XX/XXXX. The representative indicatedl that There was no mileage bonus for this card because I had previously had an XXXX   Delta card. I then requested that they cancel the card and provide me with an email confirmation of the cancellation. They indicated that they would only notify me via mail of the cancellation.

I contend that XXXX   Delta failed to honor their online offer made to me, and as a result I have cancelled a credit card which will adversely affect my credit rating.
Product: Credit card or prepaid card

In XX/XX/2019, I applied in store, for a Best Buy credit card. At the store I was not given instant approval. I later received a letter dated XXXX-XXXX-19 from Best Buy credit services, denying credit approval. At the time of application my FICO credit score, as listed with XXXX  and XXXX, was XXXX ( XXXX currently ). Granted this is not an excellent score, it is generally regarded as fair to good. I believe that this snapshot of my credit worthiness, as reflected with a XXXX, should be sufficient for one of the Best Buy credit cards. My full credit report reveals that there are not ANY derogatory marks. My payment history is at 100 % on-time. My debt to income ratio is very good. I have consistent work and address history. When considering the broader credit picture, as represented in a FICO score, I believe I qualify for Best Buy credit. I believed that I was discriminated against based on my older age and that I was treated differently than other, younger credit applicants, with lower FICO credit scores. On XXXX-XXXX-19 I wrote to Best Buy credit services and shared my concerns. I asked them to review and reconsider my application. I received a second letter, dated XXXX-XXXX-19, from Best Buy credit services, again denying my credit card application.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block, inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified Regions bank that I was going through a very tough time with the business and COVID but were were coming out of it. I lost employees and tons of business due to the coronavirus, I have always have a plus XXXX score and paid my bills on time. 

Recently, the credit card with them got to the limit and I paid what I could and they told me they wouldnt report bad credit. I made payments every month, including XXXX, XXXX, and XXXX payments in XXXX. I recently sent them {$900.00} two days ago. 

I am very upset they flagged my account as 90 days past due when it is clearly not. Under the cares act, they are supposed to help consumers get back on track, Because if this unfair credit reporting during a pandemic, my score has plummeted. Now the sba has granted us a loan for the business which we need to keep everyone employed, and my personal score is too low. 

The account should never have been closed or reported 90 days late. The fees Regions has collected from my business account has been though the roof with no relief at all during this tough time. I am attaching screenshots of payments made throughout the month.,
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. It should bear my signature showing that I have some contractual obligation to pay these companies. To my dismay, credit bureaus did not provide evidence. CFPB step up and delete XXXX XXXX XXXX ( ORIG CREDITOR : 09 XXXX XXXX ), XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ), ACCOUNT XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ),
Product: Mortgage

Received a large envelope of documents from BoA attorney. They start XX/XX/XXXX when an FHA mortgage was forged against our property. What I requested was the FHA documents payments from XXXX to XX/XX/XXXX. HUD requires retention of ALL documents payments collected by FHA servicers Countrywide  XXXX should have them. BoA should have gotten them when they took over the shut down for fraud company. They need to send those.
Product: Debt collection

Midland, credit collection has had two accounts for collections on my credit account I Have disputed the accounts several times because they are identify theft accounts I supplied documents supporting this and it turns out its XXXX they have sued me and now I have to appear in court to disclose my income so they can get paid this is ridiculous and unfair
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information is reporting on my credit report and need to be removed. It's been 60 days and I still have not receive response. Have not sent documentation of proof of these accounts with signatures. As per section 611 ( a ) failure to investigate these items within 30days give reason to immediately remove those items my credit report. In accordance with The Fair Credit Reporting Act, Public law 91-506, Title V, Sectiom 611, Subsection A-D please provide the names and business addresses of each individual with whom you verified with so that I may follow up. Please see my letters of complaint with the companies that is attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

After review of my credit report I sent for a dispute on inaccurate information to Equifax, XXXX, and XXXX. It has been over 30 days and I have not received any response. 

XXXX is reporting the following incorrect information : Incorrect Name : XXXX, XXXX, XXXX & XXXX, XXXX, XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX Incorrect Employer : XXXX XXXX is reporting the following incorrect information : Incorrect Name : XXXX XXXX XXXX XXXX XXXX Incorrect Addresses : XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX Incorrect Employer : XXXX Equifax is reporting the following incorrect information : Incorrect Name : XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX, OH XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX Incorrect Employer : XXXX
Product: Credit reporting or other personal consumer reports

The things I tried to get taken care of didnt
Product: Credit card

I had a credit card with Capital One and got behind on my payments, Capital One got a judgment lien on my home ( XX/XX/XXXX ) and tried to attach my wages, but I made a settlement with their collection attorney and sent the law firm the funds on XX/XX/XXXX. However, Capital One has not released the lien on my house, or signed a satisfaction of judgement. My house has since gone to foreclosure, and I have negotiated a 'quick sale ', to avoid foreclosure ... But I need this lien released I have a buyer and approval to sell my house, but title is now clouded by this Capital One lien. 
1. I called the Law Office ( XXXX -but their phone was disconnected, So I looked up the attorney, XXXX in the California Bar and got his phone number and called him. XXXX said he does n't work for Capital One anymore and to call Capital One 's, So I called Capital One customer service says that the account is closed and paid, but they also sold the loan to " XXXX '' ... So I phoned and faxed all the settlement information to a " XXXX at Capital On and to XXXX -with their case number & XXXX. On XX/XX/XXXX and again on XX/XX/XXXX and again on XX/XX/XXXX. 
I have n't received any response and I need to get proof to the XXXX county to get the lien released. 
Please Help
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I noticed a collection report on my credit report from Vance and Hoffman LLC. 

I immediately disputed the debt. And Vannce and Hoffman provided something to both XXXX, XXXX XXXX and the XXXX  with incorrect information and fake written notifications supposedly provided to me. 

The addresses Vance and Hoffman used are several years old and not valid during the time periods listed by the company. Any said notices had to have been returned. As my current address is in XXXX XXXX, MN. 

This supposed debt just showed up on my credit report without any written notification prior to doing so. Which is a violation of my rights and illegal through the FCRA. I've submitting my complaint to the CFPB because Vance and Hoffman have not validated this debt as belonging to me. 

Legally Vance and Hoffman have no right to report on my credit with a debt that is not mine. The negative and falsified information should've been removed immediately, when I contacted Vance and Hoffman on XX/XX/XXXX through XXXX XXXX disputing the information provided. To which the company respoon XXXX XXXX. 

I have not, nor ever done buisness with XXXX XXXX XXXX  XXXX I have contacted the police department with this fraud. 

Prior to moving from XXXX XXXX XXXX XXXX over five years ago, I filed bankruptcy for all my debts owed. And no new account was opened with XXXX, XXXX XXXX, XXXX XXXX or Vance and Hoffman company by me, nor does any said creditor have my signature validating such debt. 
I want this false report removed immediately, Vance and Hoffman LLC has shown unethical practices. Vance and Hoffman LLC has failed to comply with Federal laws in regards to accurate credit reporting. Vance and Hoffman has not been compliant to all laws and all written requirements.
Product: Debt collection

I noticed a repeated appearance of a claimed XXXX debt that I already disputed and resolved that was fraudulent in 2021 through a company called XXXX. 

I noticed this same amount, {$680.00}, showing up again as a collection account on XX/XX/XXXX without any notice, contact or otherwise. They pretended to call and sell solar equipment to verify my information, including address, home and work, and phone number, along with availability. 

This was alarming since they use a masking technique to veil their caller ID. Then suddenly Jefferson Capital Systems , LLC popped up on my credit with a collections. Their website immediately prompted payment and lawyer advertisements. 

I advised that the debt was fraudulent, not collectable, and I had to deal with this already in 2021. They never replied. 

It makes it painful on consumers when they never call, mail, email, or advise what is going on. Use seemingly illegal practices and recycle a resolved debt hoping people will pay to save their credit. It's despicable in my opinion. 

I even maintain a fraud notification on all 3 credit bureaus because of this. They could have been straightforward.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to change my name in the Equifax system for the last 3 months to no avail. In 2016 I legally changed my name. The other credit bureaus either have both names on file or my current name. I had no difficulty making the updates in their systems. However, the Equifax process is terrible. When I initially called them about changing my name, they told me I had to fax the documentation to them. When I informed them that I didnt have a landline telephone to enable me to fax, they said my only recourse was to send the documents through regular mail but it would take longer. They said they couldnt facilitate receiving scanned documents the way most technology businesses today can. So I mailed the documents. Later, I stumbled upon their my Equifax site. There I found I could file a dispute to change my name online. I uploaded my new drivers license, my new social security card, and the court order approving my name change as requested. A month later I received an email notice that my dispute was closed. I never received information about why my name hadnt been changed, but the system didnt reflect my new name. So I filed another dispute with the documentation they requested and I called them. The gentleman I spoke to said he could see my dispute and that I included the appropriate documentation. Today I received another email informing me that my dispute was resolved but it was addressed to my old name. The email gave me the link to the my Equifax website to check the dispute results. After I login, the site informed me that I had zero disputes. It also indicated I had alerts. The alerts indicated I had dispute results. When I clicked on that link, it logged me out of their system. They keep denying my request without telling me how to fix it. Im afraid that I wont get this resolved before the rates go up substantially. Im struggling to understand how a technology dependent company can have such bad technology. Please help!