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

I have had an ongoing dispute process with Barclays, I called in on XX/XX/XXXX and was told by the rep that the reason the dispute was not settled was because the refund was provided to my previous card number and since my card was reissued with a new number, it needed 24-48 hours for the refund to show on my account. 

After the refund did not appear in the timeframe that was explained to me, I called back on XX/XX/XXXX and was informed by a different dispute agent that the previous agent opened a Fraudulent Activity Report on my case ID for the transaction. 

Since I never mentioned fraud or attempted to report anything along these lines I requested that I speak to a supervisor regarding the previous agent opening a case on my card without my approval. The supervisor then insisted that I was wrong and that I must have requested that the transaction be reported as fraud. She agreed that if one of the dispute agents created a fake fraud report on my file that the {$1400.00} transaction would be refunded to my card as initially explained on XX/XX/XXXX. After spending an hour on hold for the supervisor to review the 10 min recording, she acknowledged that I did NOT file a fraud report and the dispute agent never asked for my permission to file a fraud report. She then denied that she ever agreed to refund the {$1400.00} and repeatedly talked over me before abruptly hanging up the call after telling me there was no level of management above her and she had the ultimate say regarding the dispute and fraud report. 

The initial dispute this was regarding was submitted as a CFPB complaint that was never addressed. Barclays provided a number to call for the Office of the President that went to a voicemail inbox that I called 5 times over two weeks and never got a return call. This is the second complaint filed, the first for not reviewing documentation for the initial dispute and the second for their dispute agents filing fake fraud reports in order to have the disputed transaction temporarily refunded to my account before rejecting the fraud claim and returning the funds to Barclays.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending countless letters appealing to Transunion to verify the disputed item and remove it if unable to prove that the Item is mine. I have been a victim of Identity Theft and the item I am disputing does not relate to any transaction that I have made or authorized. Neither did I receive any possession of goods, money, services, nor benefits from the Theft of my Identity. I have read that the Credit Bureaus are bound to comply with the FCRA regulation section 605b but despite all my efforts to inform Transunion about the theft of my Identity and that the item was never mine, XXXX never cared nor paid any attention to my Disputes. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... I need you to remove this account completely from my file : XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I am currently reviewing my TransUnion credit report and there are addresses reporting on my credit report that are not mine. 
Below is a list of the addresses that I would like to have permanently deleted from my TransUnion Credit Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am uncertain of the exact date but XX/XX/XXXX and XX/XX/XXXX I received letter from chase bank stating that my account had fraudulent activities done on it adding up to more the three thousand dollars. I called explaining to them that it most of been a mistake because there was no way someone couldve deceived you guys as me and gotten all this money without my authorization!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported fraudulent activity on my credit report several time due to online shopping and lost and stolen wallets with social security cards Maryland state identification cards in them. All three credit reporting agencies have agreed to contact me at by number provided to them before my credit is ran, however, XXXX continue to find unauthorized inquiries in large numbers reflecting on my credit report this is a great concern to me as a consumer as it gives me the impression that the reporting agencies have no regard for the protection of the consumers they are reporting on as of XXXX XXXX, XXXX, none but 3 inquiries are accurate on all three of my reports to resolve this problem I would like all three reporting agencies to remove these errors at once to ensure im receiving fair reporting as I have been affected many times before by such inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below do not belong to me and must be immediately removed from my credit report. 

1 ) New York XXXX XXXX. of XXXX XXXX Opened XX/XX/XXXX with {$0.00} Balance 2 ) XXXX XXXX XXXX Opened : XX/XX/XXXX with {$11000.00} Balance These accounts are reporting in error. I have filed a complaint with local authorities and the FTC. If they are not removed, I will file a civil suit against the credit bureaus for falsely reporting information.
Product: Mortgage

I submitted an online application to GuaranteedRate.com, including my social security number and authorization for a credit check, on XX/XX/2018. I never received a response about whether I was eligible for a loan. 

My understanding is that the lender is supposed to provide a loan estimate within three business days after I apply. I followed up multiple times with the lender and never got a yes, no or maybe. 

I heard back from the loan broker on XX/XX/2018 requesting some documents, which I provided on XX/XX/2018. I then followed up several more times and each time the broker said he'd get back to me " within 24 hours. '' I made my final request for information on XX/XX/2018, and was told they would get back to me " today. '' I understand that not everyone provides good customer service, but this is very upsetting to me because now I have an inquiry affecting my credit score for one year, and nothing to show for it. Furthermore, the inquiry undoubtedly caused my score to drop which affects my ability to get this loan from someone else.
Product: Mortgage

I have been remodifying my loan for 4 years and it has continually been found short of documents, out dated documents or missing documents as well as now needing MORE documents. Intentional manipulation of paperwork submitted is blatant. I have pleaded with them to not sell my home and made a deal with them to have all primary documents needed to them by XX/XX/XXXX for them to start the underwriter process as well as any additional documents they may need. My attorney noted that it appears their intention is not on the up and up and the house is again back on the auction block for XX/XX/2016. there is no time for them to do what they need to do to approve this modification by XX/XX/2016. It appears a rubber stamp denial is already in place. they have filed a XX/XX/XXXX response date, which they have not, as of yet, informed me of and what it entails. Again, I see deception going on as has been going on before. They have broken into my home on three occasions and left the security features damaged or open to vermin, vandals and weather. I have requested a cease and desist and reimbursement for the damages and it has been ignored. I have lost three years of tenants due to sending my tenants monthly 'auction ' sales notices as we go throiudht is weird 'dance '. I have lost them, the {$2800.00} a month revenue from them and the cost to take them to court to retrieve this lost revenue with no success. They reference the letters stating the house is sold and were told by the SPS legal counsel to stay in the home until SPS tells them to leave. Thus the reason for no rent. This is their statement ( to the mediator present ) in court. I feel that right now they are intenting a rubber stamp '' FAIL '' on the home. I have a XXXX XXXX XXXX on it with numberous Stock holders attached and I was just informed that they will not be reducing the 7.44 % interest rate due to these investors. This is not right and is intentional. No one has informed that that the 7.44 % will remain until I spoke with an Ombudsman last week, and all this because disclosed to me, as well as I can e-mail all info to them as opposed to the express mail I have been using ( express due to the fear factor that they convey of urgency all these years of doing this. 
I need solid and honest support at this time. Your help is appreciated.
Product: Student loan

I was very unhappy with how the CFPB handeled my last complaint. 
XXXX I dont feel anyone did anythingXXXX XXXX XXXX XXXX XXXX. 
FEd loans is taking this COVID Public service waiver and playing XXXX again , just as they did for the past XXXX  years torturing borroweres. 
I just got their assessment of my eligibility. 
They stiil creat GAPS in my XXXX XXXXXXXX XXXX XXXX XXXX, since I changed jobs in middle after getting a promotion. I sent them ALL the XXXX XXXX  forms for XXXX yerars, and they still want to crush me. 
In addtion they just keep nitpicking. 
I cant wait to see them bankrupted. 
I am attaching my latest email that came last nihgt. 
My biggest fear is XXXX will come, and the window will close, they take XXXX  months to return a call or email same as they have done for XXXX years. 
I sent them all my XXXX XXXX forms as they asked, to show no gap in service, as you cna see they creat gaps, they just do this for fun I think. 
Pleas help this time, not like last time. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX and I have inaccurate information listed on my credit report. This inaccurate information is currently being reported to Equifax and XXXX. I reached out to both the company reporting the inaccurate information and the two credit agencies listed above several times ; and nothing has been done to remedy this false information. Ive requested this information be removed when I first found out about it XX/XX/XXXX, and again XX/XX/XXXX. FYI, I waited a year to do the second dispute because I was under the impression this was corrected and removed after my first dispute in XX/XX/XXXX. The company reporting the incorrect information to the credit bureau is XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX, and their phone number is XXXX. Based on the information listed on my credit report this is a collection for {$160.00} from XXXX XXXX Hospital. I dont owe either one of these companys money, this collection states its from XX/XX/XXXX, so I dont remember specifics since it was so long ago, but I pay all of my bills and have excellent credit outside of this false information. Please advise me of my options to get this information removed. Im also concerned my personal medical information has been shared without my consent. <P/>Thank you, XXXX XXXX XXXX
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. I am formally requesting the blocking and deletion of these accounts. It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXXXX/XX/XXXX
Product: Debt collection

I have received several request for payment from a company called CBCS out of XXXX OH. They are reqesting a large amount of money on an XXXX XXXX that is ober six years old that I now longer have any dealings with and I know that this amount is wrong.
Product: Debt collection

Over the past three years, Ive been asking the CFO, appointed at the Department of Education/Nelnet for proof of certificate of indebtedness, financial statements demonstrating where did this debt originated from. In order to find that information is through an income statement that will show the assets column and the liabilities column painting a story of the company account payables as well to as an account receivable, Balance sheet and the cash flow statements. I am requesting to have each and every receipts that was concealed from me as a consumer.

Money is an illusion. In this monetary system it only has credit/debt. How could I possibly pay off bad debts using legal tender notes known as the Federal Reserve Bank with another debt? How is this possible with money being out of the picture? All debts must be discharged after three years not lingering around your mind.
Product: Vehicle loan or lease

I applied for a vehicle with XXXX. WESTLAKE financial denied my request even though the transaction is based of off my unlimited credit. 15 USC 1611. UCC 1-308
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, we need to remove any erroneous accounts from my credit report. Please check the documents, as some of the listed accounts have incorrect reporting, amounts, and dates.
Product: Vehicle loan or lease

I was scammed by dealership called XXXX XXXX  in XXXX New York I am on XXXX  XXXX  they trying to finance a car I could never ever afford in my life they have the car and still trying to fraudulent push through loan anyway and trying put me in XXXX dollars in debt I could never ever pay I spoke to my bank reported the fraud and spoke to other lenders that were contacted trying push through the loan I also suffer from XXXX  illness and had a complete XXXX  breakdown and dont feel safe with this dealership again they said they canceled loan contact the bank I have no paperwork no anything no receipts absolutely nothing so i also dont know what fraud they done on the loan application it self any bank could see I could never financial afford that I barely can buy food to eat I contact ally bank many times right away reported fraud and they promised they would cancel loan contract from being processed so I wan na put in formal writing I been having XXXX breakdown on XXXX and dealership is defrauding by trying to push loan through that suppose be canceled they have their car I have nothing and I can not let this ruin my entire life I spoken with ally many times and have reference number where lady said its going to be canceled they wont fund it
Product: Credit reporting or other personal consumer reports

Re : Formal Dispute of Fraudulent Accounts Under the Fair Credit Reporting Act ( FCRA ) Request for Removal of Fraudulent Accounts from My Credit Report Dear XXXX XXXX Department, I am writing to formally dispute several accounts on my XXXX credit report that I did not open, authorize, or recognize. These accounts have been opened fraudulently in my name, and I am requesting their immediate removal in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 
Upon reviewing my credit file, I identified the following accounts that I did not initiate : XXXX. Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Creditor : XXXX XXXX  Amount : {$4800.00} XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Creditor : XXXX  XXXX XXXX XXXX Amount : {$12000.00} I request that you conduct a thorough investigation into these accounts, as they are clearly the result of identity theft. According to the FCRA, specifically 15 U.S.C. 1681c-2, I have the right to request the removal of fraudulent accounts from my credit report. Additionally, under 15 U.S.C. 1681i, I am entitled to a prompt and fair investigation, and you are required to respond to my dispute within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help
Product: Debt collection

I have sent a certified Cease & Desist letter to Caine & Weiner. I have attached letter and certified stamp. Please provide the requested items stated in the letter. Also, Please be advised that any negative information appearing on my credit reports pertaining to this account will be handled with the full legal rights and remedies available to me with regards to current consumer protection laws.
Product: Credit reporting or other personal consumer reports

XXXX agreed that the account does not belong on my credit report. They originally had it blocked and removed but it recently appeared again. XXXX sent a letter saying that the account should be removed from my credit report
Product: Credit card or prepaid card

Hello, during the beginning months of COVID-19, the XXXX  I worked at as a XXXX  closed ( around the first or second week of XXXX ). My employer filed an unemployment claim, swiftly, on behalf of each of my coworkers, including myself. I didnt receive unemployment for two weeks and decided to begin taking action ( I didnt call earlier because lines were busy and the GDOL was overwhelmed with all of the workers needing unemployment and I was able to move in with my parents during this time to help with expenses ). However, I was still unable to get in touch with someone who could help me claim my unemployment benefits. I received about 6 or 7 UI Benefit papers over the next month explaining how the process works/that I would soon receive other information to set up an account and receive my benefits. I believe it was the end of XX/XX/XXXX/beginning of XXXX when I finally received a paper explaining that I had serval options for receiving my benefits, including a prepaid card, direct deposit, etc. Around XX/XX/XXXX my employers opened our XXXX  up for XXXX  only and I began receiving paychecks again. I looked online/set up an account for UI benefits but couldnt find a record of payments to a card or my account. I decided to take another look this past week ( XX/XX/XXXX ) and saw that there were payments to a prepaid card but never received a card. I understand how hard the GDOL has been working to meet everyones needs and I realize the mass amount of people trying to get their benefits. All that I need now, is to receive my prepaid card that was never sent ( as far as I have seen ) with the papers I was sent about the payment and card.
Product: Checking or savings account

Bank : Wells Fargo Bank savings account. 
We have few unauthorized transfer funds from our saving account thru ACH. 
XXXX - {$2500.00} to XXXX XXXX XXXX XXXX - {$2000.00} to XXXX XXXX XXXX XXXX XXXX XXXX {$1800.00} to XXXX XXXX XXXX XXXX XXXX - {$190.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$100.00} to XXXX XXXX XXXX XXXX XXXX I called Wells Fargo on XX/XX/year> to notify them about the unauthorized transactions to dispute , however, they only credited me {$2000.00} and {$2500.00} and not others. Reason, I did not notify them on time. The bank supposed to safe keep my saving, not that I have to check so often. Plus, they did not notify me if there is any suspicious activity. 

Wells Fargo rep told me to call those businesses to dispute the funds, but I don't know them, and I didn't initiate the transaction. So, I declined to do that. 

I do not have paper check The atm card is on me all the time. The only place I used the atm card is at the bank branch. 
I don't log into my account anywhere other than my personal computer and my phone. 
So, the only I can think of if someone from the bank did this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Acct. name - XXXX XXXX XXXX, acct. # XXXX - acct. type - open date XX/XX/2018, amount XXXX In accordance with the fair credit reporting act. account number XXXX has violated my rights.

15 U.S.C. 1681 SECTION 602 A. I HAVE THE RIGHT TO PRIVACY.

15 U.S.C.1681 SECTION 604 A SECTION 2 : it also states a consumer reporting agency can not furnish an account without my written consent. 

Acct. name XXXX XXXX XXXX  acct. # XXXX - acct. type - open date XX/XX/2018, amount XXXX In accordance with the fair credit reporting act. account number XXXX has violated my rights.

15 U.S.C. 1681 SECTION 602 A. I HAVE THE RIGHT TO PRIVACY.

15 U.S.C.1681 SECTION 604 A SECTION 2 : it also states a consumer reporting agency can not furnish an account without my written consent.