23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

My XXXX, 2024 bank card statement from Barclay 's Bank showed a transaction for {$100.00} paid to XXXX XXXX XXXX XXXX XXXXXXXX XXXX I did not make that charge. I live in Alabama and have my credit card in my possession. I called Barclay 's Bank Fraud Department at XXXX XXXX  on XX/XX/year>. I was told that they would send me a new card immediately and will investigate the transaction that was made. I told the representative that I would not activate the new credit card until they resolved this issue. 
When my XXXX, 2024 bank card statement came, Barclay 's Bank showed that my account was delinquent and they added both late fees and interests to my account. I called on XX/XX/year>, and was told that they were still investigating. I asked why late fees and interests were being applied to my account since the fraudulent transaction was being investigated. The response was that Barclay 's Bank would take off the late and interest fees from my account, but I had to activate the new card that was sent to me. I activated the card, Fees and interest charges were subtracted. However, the {$100.00} transaction that's in dispute, remains on my statement. 
I received a credit report from XXXX XXXX XXXX showing a decrease in my credit score of XXXX points and it also showed my Barclay 's Credit Card as being 30 days delinquent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, this complaint is because I tried to work it out with the bureaus, and they are still not complying. I requested a debt validation letter from Experian and the agency reporting these false misleading inaccurate accounts XXXX XXXX XXXX XXXX and XXXX ) nothing has been done to try and correct their inaccurate reporting. I specifically want them to send the application or contract used to open these accounts bearing my signature because that is my right as a consumer. I sent letters to Experian the XX/XX/2022 and we are in XXXX the XXXX, and nothing has been done and I have not heard from Experian, XXXX or XXXX XXXX XXXXXXXX yet regarding this matter which makes me assume they can't validate this debt which is supposed to be removed. The only thing I received from XXXX was a letter saying they updated my accounts. These creditors are reporting without my consent
Product: Credit reporting, credit repair services, or other personal consumer reports

Onemain Financial was formally known as Springleaf Financial. They are reporting a negative account to the three credit bureaus which is impacting me Onemain Financial was formally Springleaf Financial. I have a account on my credit report from Springleaf that is reporting inaccurate information. When I contacted Onemain Financial to inform them as well as dispute the information, I was advised by their " credit bureau reporting dept '' that my account was sold to a collection agency and they could not help me. I would like to dispute the dates reported and amounts owed. I had a perfect payment history with this company and when I lost my employment, I requested the payment protection to be applied to my account, this is an additional protection that I paid for every month. The protection payments were never applied to account which caused my account to go into default. I asked month after month when the payments will be sent in because my credit was being affected. I was told that I needed unemployment before my claim could be approve. I was going through an appeal with EDD and my claim had not been awarded yet. I paid for this protection so I 'm the event something like this happen I would be protected but at a time I really needed it I was denied. This is illegal practices, to advertise a service then charge the customer but not provide
Product: Debt collection

never received my right to dispute the validation of the debt/ 30 day notice. i also need this company to cease and desist all collection efforts against me until further notice only way to contact me would be us mail only.
Product: Credit reporting or other personal consumer reports

For the last 90 days I have been repeatedly disputing these illegal/fraudulent accounts that was obtained without my knowledge and consent via XXXX, Equifax, and XXXX. I have always lived at XXXX XXXX XXXX XXXX  XXXX. Someone illegally obtained my information and opened fraudulent accounts and used apartment number XXXX  XXXX which I have NEVER lived in that apartment unit. 

With the help of a friend I was able to identify what accounts were illegal in my name. Currently I Have 1 inquiry on XXXX, and I have 0 inquiries on XXXX and Equifax as I am able to lock/freeze my report now. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Please this has been a very tedious process! I have a new company opened I am very VERY responsible. I am being held back with these illegal accounts!!!!!!! 


EIN Assigned : XXXX Legal Name : XXXX XXXX XXXX XXXX The three following accounts is totally illegal/fraudulent! It should have never been opened in my name. Please remove the three following accounts from my credit report. It's hampering and messing with funding for my new business that I just launched as well as a future mortagage. These Accounts are illegal! I've been fighting this for the last 90 days please help. These accounts are not mine and I am going to continue repeatedly to dispute until these negative/fraudulent/illegal items are removed off my credit report ( XXXX, equifax, XXXX ) *********ILLEGAL/FRAUDULENT CREDIT CARDS*********** **XXXX, Equifax, XXXX XXXX XXXX XXXX Balance {$150.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX Balance {$57.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX Balance {$13.00} Date Opened XXXX XXXX All three of these illegal accounts were opened within a 30 day time period which I had NO KNOWLEDGE! ABSOLUTELY NOTHING! I have done my homework these accounts are illegal and holding me. Please remove these XXXX items off all 3 bureaus as soon as possible. Thank you! Its not fair these are not my accounts!! Its already hard enough in America as it is but for someone to illegally obtain stuff in your name without a consent is beyond ridiculous. I am not responsible for anything thats fraudulent *********ILLEGAL/FRAUDULENT CREDIT CARDS*********** **XXXX, Equifax, XXXX** Please this has been a very tedious process! I have a new company opened I am very VERY responsible. I am being held back with these illegal accounts!!!!!!! 

EIN Assigned : XXXX Legal Name : XXXX XXXX XXXX XXXX My company above which is in my name is behind held up for funding because of illegal items on my report. Please help! 

XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for charge off and collections. I have tried numerous times to have this situation resolved with no resolutions. 
XXXXXX/XX/XXXXXXXX
Product: Credit reporting or other personal consumer reports

Ive come across several billing errors on my credit report, especially late payments that are inconsistent with my regular payment behavior.
Product: Mortgage

XXXX transferred my mortgage to SPS ( Select Portfolio Servicing ). when the transferred what on process SPS sent a letter stating that they will honored all the payment, escrow account etc. However, the first thing they did they recalculated my escrow projection account increasing my payment in XXXX dollars even though the taxes this year in XXXX XXXX count went down XXXX dollars and my Insurance went down XXXX dollars. I contacted them requesting for me paying my taxes and insurance but I have n't received ant replied from them. Second that all the way they are reporting XXXX and XXXX made my score goes down XXXX points. 
I have sent letter and faxed as well but it seems like they are ignoring my requests.
Product: Checking or savings account

On XX/XX/2023 I notified Citibank that an EFT from XXXX XXXXXXXX that was not authorized was being taken from my account. Citibank promised me provisional credit while they investigate the matter further with XXXX. I have yet to get the credit and so I have asked Citibank to put a hold on my account and I transferred my funds to another account to protect them since Citibank will not. I have been a member of Citibank for over 20 years and I do not understand why I am having issues like this. I am hoping that this issue gets cleared up sooner than later and once done I need a new account number to stop this from happening again in the future.
Product: Mortgage

I paid 6 trial payments. The 5th and 6th payments were not applied to principle but 1-4 were. They filed a notice of trustees sale around the 5th payment. I currently have an open court case in the XXXX XXXX Superior court : XXXX. It appears to be a clear violation of the Homeowner 's bill of rights. The lawyer fees I have had to pay are expensive and I feel there may be many other people being treated the same way by Ocwen Loan Servicing who could not afford the legal support I am getting. I am asking that you open an investigation into Ocwen Loan Servicing , LLC and what they are doing or should be doing to comply with CA 's homeowner bill of rights.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and the information listed below on my credit report is a result of that Identity theft : Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$25000.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$32000.00} XXXX XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00} XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$57000.00} XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$25000.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$18000.00} Account Name : XXXX XXXX  Account Number : XXXX Balance : {$25000.00} Account Name : XXXX XXXX Account Number : XXXX Balance : {$32000.00} Account Name XXXX XXXX XXXX Account Number : XXXX Balance : {$20000.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$57000.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$25000.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$2900.00} In accordance with section 605B of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within four business days. Please notify me of the actions taken in response to this request.

Thank you for your prompt attention to this urgent matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts below have violated my Federally protected consumer rights to privacy and confidentiality pursuant to 15 USC 1681, Section 602 A which states that I have a right to privacy. Also, they have violated my rights under The Financial Privacy Act of 1978, and credit denial in violation of 15 USC 1681a ( k ). This entity also violated 15 U.S. Code {$1600.00} ( p ). Also violating 18 USC 894. Using my TRADENAME without express written consent in violation of XXXX $ XXXX Names Reported, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They ( credit furnishers ) have violated my rights, and restraint of trade in violating of 15 USC 1, and 15 USC 2 Additionally, it clearly states under 15 USC 1681 section 604 A section 2 that a consumer reporting agency can not furnish an account without my written consent 15 U.S. Code $ 1681c ( a ) ( 1 ) Section states ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act.

All negative items to be removed, To be compensated for all payments sent.
Product: Credit reporting or other personal consumer reports

Upon completion of your investigation, please send a detailed description of the procedures used to determine the accuracy of the accounts/items XXXX XXXX disputing, as well as the name and contact information of the agent conducting the said investigation in case further communication is necessary. 
I know that your company will need some sort of verification to prove my identity. My information is clearly shown below : FULL NAME : XXXX XXXX SOCIAL SECURITY NUMBER : DATE OF BIRTH : XX/XX/year> ADDRESS XXXX XXXX, XXXX XXXX XXXX XXXX XXXX FL XXXX PHONE NUMBER : XXXX EMAIL : XXXX I sent this letter via certified mail to ensure this matter is resolved within the required thirty ( 30 ) day window so as to avoid any violation of the FCRA. Finally, please send me a copy of the changed consumer report at the earliest. 

Thank you for your assistance in this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to request the removal of a late payment entry from my credit report. Upon reviewing my credit report, I noticed that there is a late payment listed for Account : XXXX XXXX XXXX XXXX ] for the month of XX/XX/2019. I believe this entry is inaccurate and unfairly affecting my credit score.I have been a responsible and diligent borrower, and this late payment does not reflect my payment history accurately. I have attached evidence, such as bank statements or payment receipts, to demonstrate that the payment in question was made on time.I kindly request that you investigate this matter and remove the erroneous late payment entry from my credit report as soon as possible. Doing so will ensure that my credit report accurately reflects my financial responsibility and will help me maintain my creditworthiness.Please feel free to contact me if you require any further information or documentation to assist with your investigation. I appreciate your prompt attention to this matter.

I want you to update the payment history on this account that is affecting my credit reputation and this account was paid in full with no late payments.
Product: Money transfer, virtual currency, or money service

I went to frost bank atm at XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX United States At XXXX on XX/XX/year> and deposited {$500.00} cash into my checking account. The next morning I check my account and the money is not there and does not show I ever deposited it. I went to the location and the front desk said that ATM has been having problems. If it is having problems why would it still be open to use??? My {$500.00} is now missing and I have submitted a dispute for frost to do their own investigation but for now Im out {$500.00}.
Product: Debt collection

I was woken up by a call from Chase this morning at XXXX am XXXX. 

On XX/XX/XXXX, XX/XX/XXXX I have submitted XXXX separate loan assistance applications to JP Morgan Chase. My condo is located in XXXX, Illinois. 

I received an additional request for documents on XX/XX/XXXX from the Loan Assistance dept XXXX XXXX XXXX, my SPOC. I complied with this request. Since then they have been requesting for additional documentation to delay and deny assistance, every time a slightly different request only over the phone but without putting it in writing. 

I have sent the bank XX/XX/XXXX, XX/XX/XXXX Tax transcripts with full Schedules that indicate negative capital gains, negative negative rental income and negative business income on a business that has been disssolved as of XX/XX/XXXX. I have sent them my condo rental agreement. I have sent them my bank statements. I sent them my food stamp award letter. 

I have had no written request for any other documentation from XXXX since XX/XX/XXXX. On XX/XX/XXXX I sent XXXX a written request for forbearance, which she has ignored. I had informed XXXX in writing of my likelihood of default but she did not care. 

Via a letter dated XX/XX/XXXX from the Executive branch they requested the following documents : 1. Two months transaction history ( EBT ) for proof of receipt of food stamps. 
2. One month bank statement for all stocks and bonds. 
3. Tax return from the previous year, including all schedules or other proof of business failure. 

I believe I have submitted evidence of hardship. I have no net-income producing assets at this time. This is self-evident from my Tax transcripts. The request for 2 months of XXXX transactions is humiliating as well as offensive and discriminatory and a violation of my personal privacy. 

XXXX before XXXX California PST, I was disturbed by Chase calling about my loan. I spoke to XXXX XXXX who works in the loan assistance dept with XXXX. 

I asked to speak to the Supervisor and they escalated my call to XXXX XXXX. XXXX then transferred me to XXXX XXXX in the Collections Dept. 

XXXX told me that since I have not paid my mortgage payment for XX/XX/XXXX, I will keep getting harassed for payments. His conduct was very threatening and obnoxious. I told him XXXX had ignored my request of XXXX XXXX, XXXX for loan forbearance and he should follow up with her. He created Case # XXXX. 

I got a call back from XXXX this morning XX/XX/XXXX. XXXX once again is demanding documents but a completely different request from the one communicated by the Executive office on XX/XX/XXXX and she has a whole bunch of reasons for this request and a new request every time I speak to her. 

However, XXXX makes new demands for documents over the phone but she says that it is not the practice of the bank to put such requests in writing. If XXXX has a legitimate request for documents she needs to put that in writing. 






I sent a letter to Chase to my SPOC on XX/XX/XXXX requesting a forbearance. They have n't responded back to me.
Product: Credit reporting

My complain is about my credit report information with experian.they have all my information swipe with my brother information like number of credits, loans, accounts.while other XXXX credit reporting companies have my correct information.when i call them ( experian ) they said there reporting unit is from XXXX, XXXX and they usually do this type of mistake and i need to pay for correction, customer services starting telling there packages.My concern is why should i need to pay for correcting my information on credit report ( my name, DOB, credit cards, loan ) if they have done mistakes I would like to mention that other XXXX credit reporting companies have my correct data.Now i have to apply for auto loan and this thing will problem until i correct its i want to request cfpb please a notice of this issue and help me to correct my information with experian .i have attached wrong credit report of experian. i will very thankful to you for your favor .Thanks for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you because I have recently reviewed my credit report & I found several discrepancies in the below accounts they are reporting. 
I previously requested they provide original contracts for the items that I previously disputed I have reason to believe they did not investigate properly and also have illegal collection fees not explicitly agreed to or expressed in my original contract with the original merchant.
Product: Checking or savings account

On XX/XX/2021 ComenityXXXX ( FDIC # XXXX ) Restricted access to my saving account since someone is another state tried to access my account. I immediately changed my password. On XX/XX/2021 their fraud department finally cleared my account for me to access it. But " executive management '' still has not lifted the restriction ( XX/XX/2021 ). They are giving me no reason why. I need my money asap to replace my roof and remove trees. Otherwise I may be dropped from my homeowners insurance. I have contacted them multiple times a day and all they tell me is that they are working on it. When asked what else they are working on since their fraud department cleared me, they have no answer for me. They also can't tell me when I can expect access to my money. My daily phone calls have been over an hour because to transfers and long hold times.
Product: Credit reporting or other personal consumer reports

Wednesday XXXX XXXX XX/XX/XXXX and the 5 or 6 day of ..and the same I talked to the leader we applied they said that I have to many inquiries and another said dont have enough credit history then another one said need to get a mortgage try getting a hi interest credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Various hard inquiries were fraudulently placed on my credit file. I sent the credit bureau countless letters during a period that spanned all of XXXX to delete the inquires because they were fraudulently recorded and the requests were not authorized. In the letters, I requested that the credit bureaus provide documents of both verification and validation to prove that inquiries were authorized by me. The credit bureau failed to provide either verification or validation. The credit bureau simply stated that the inquiry had been verified without providing any documented proof. Not only does this lack of information fail to satisfy the criteria for proof of debt validation, but I believe the inquiries were obtained and recorded on my credit file under false pretenses. 

I was the victim of a horrible identity theft incident in XX/XX/XXXX, and most of my private information was compromised and exposed. Not to mention, much of my personal information was leaked in the recent XXXX, Equifax, XXXX, and XXXX breaches. Anyone could have stolen my personal information from the internet and used it fraudulently. I have also tried contacting the credit bureau by phone to dispute the inquiries but the representatives insist that the inquiries have been verified, without providing any definitive proof. I have also contacted each creditor and informed them that the inquiries are fraudulent. The inquiries are as follows : XXXX/XXXX  ( XX/XX/XXXX ) XXXX  XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XX/XX/XXXXXXXX ( XX/XX/XXXX ) XXXX XXXX, XXXX ( XX/XX/XXXX ) I would like for the unauthorized hard inquiries to be permanently deleted and completely removed from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello to who it may concern, my name is XXXX XXXX XXXX. i am a victim of identity theft, also when i pull my credit report on XX/XX/2019 i saw that a lot of the information was not mine i did a police report as well as a identity theft report. my FTC report number is XXXX, i send the information to al 3 credit bureaus plus the companies but XXXX keeps on sending me a credit report with a name that is not mine. i send multiple times the both report policy and identity theft but it seems that they don't even look at it. 
in-reference to the accounts all of then got erase, but my personal information has not been update. 
now i see that for the bankruptcy all 3 bureaus there are not reporting it correctly and also to my understanding by the FCRA all information needs to be accurate and complete i send then poof that information that they are reporting is not complete and accurate. i send letter on XXXX, XXXX, XXXX XXXX, and XXXX but they keep sending me the same answer. i had ask then to send me proof but they don't send me anything.