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

On XX/XX/XXXX, my father passed away. After going through his belongings, I found a credit card with my name on it. After calling the bank ( BARCLAYS BANK DELAWARE ) on XX/XX/XXXX to tell them I never opened this account and had no knowledge of it, they told me an investigation will be done, with affidavits sent to my house. After no affidavit arrived, I received a letter stating the account is valid. On XX/XX/XXXX, I sent BARCLAYS BANK DELAWARE payment records from my fathers bank account matching the payments received on the fraudulent account. Manager XXXX XXXX also told me the statements were being sent to my fathers email address and the phone number associated with the account was my fathers phone number. I also sent an FTC report making note of this. With this new information. I was told they would reinvestigate the claim. The following week I received the same letter stating the account is valid. I currently submitted all my supporting documents to the credit bureaus but was told they just report what the creditor tells them. As a young man just starting life, losing his father and finding out he was the victim of identity theft by someone he thought he could trust, life is hard enough without there credit being ruined by a credit card account I never opened. Please investigate this and/or have BARCLAYS do a proper investigation with all the supporting documents I sent to them multiple times. Thank you.
Product: Credit card or prepaid card

XX/XX/2020 I cancelled 4 Excusurions with XXXX ( due to Covid in XXXX ) total {$940.00}. All were 100 % refundable, no penalties, nothing. 

Unfortunately it was for a my account that had cancelled earlier with Citibank ( since they couldn't stop a fraud charge monthly coming through, they said they would block it, they never did ) .So we couldn't file a dispute claim on line the 'usual ' way. 

We couldn't reach Citibank by telephone as they never picked up the phone after waiting 1 1/2 hr on line ; and at that time Citibank also removed their chat button too on their website So we ( myself and wife ) wrote a letter to Citibank, faxed it to them XX/XX/XXXX to fax # XXXX & XXXX. Two fax # 's as Citibank mortgage company emailed us directly, saying they recently changed fax # 's and they would forward to the billing disputes. 
This letter was sent certified to them XXXX, see attached, # XXXX which included the cancellations from the XXXX website showing 100 % refund. 

My wife, XXXX, emailed directly to XXXX the same information on XX/XX/2020 at XXXX, XX/XX/2020 at XXXX, XX/XX/2020 at XXXX, XX/XX/2020 at XXXX. 
Every above email included letter to XXXX, letter to Citibank, certified mailing to Citibank, and the docs showing the 4 items were cancelled, in addition to my husband 's previous c/c statement. 

If you see the email sent to them on XX/XX/XXXX, this complaint is for the Second issue ; the 1st one XXXX finally sent them back a response which Citibank said they would advise me in 10 days of their response. 

We also sent a certified letter to XXXX too on XX/XX/XXXX demanding an immediate full credit be sent now. 

Furthermore I received a call on XX/XX/XXXX at XXXX from XXXX, from a Citibank Rep, XXXX XXXX who said that they received the letter. He asked me if this was fraud. I said " didn't you read the letter, it clearly reads I cancelled the transactions, showed proof of the transactions, it isn't fraud. I am trying to have you file a dispute ''. He said " then I can't help you I am only in fraud ''. 

They have never replied by email or by letter, or a follow up call from the correct department since XX/XX/XXXX XXXX I was ready to scream. Citibank got the letter ( or their Rep wouldn't have called ),  they didn't read it correctly, and now wont ' file the dispute for these 4 charges which I have every legal claim for the $ to be reimbursed to me immediately in full 100 %
Product: Credit card or prepaid card

Capital one Savor Account said I opened up an account or authorized a person to do it. I did not. I never received a card and my credit report was changed to a different address. I'm XXXX XXXX XXXX and have been at the same address for XXXX + years. I never received anything in the mail in reference to a card. Also just yesterday another card was opened by XXXX XXXX. Neither of these accounts are mine I have XXXX credit cards of my own and a checking and savings with XXXX bank. Someone has been using my information fraudulently.
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 theses violations.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Equifax Information Services, XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX Subject : Dispute of Collection Account on My Credit Report From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Dear Equifax Representatives, I am writing to formally dispute the accuracy of a collection account listed on my credit report. In accordance with 15 U.S.C. 1692g, under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting verification of this collection account. 

Legal Basis : 15 U.S.C. 1692g Validation of Debts The law clearly states : ( a ) Notice of debt ; contents.

Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

Under this law, if the debt can not be verified, it must be removed from my credit report. Therefore, I respectfully request that this collection account be validated. If the collection agency can not provide adequate validation, Equifax must remove this account from my credit report as required by law.

I have attached a copy of my identification and my credit report for your reference. Please confirm in writing the resolution of this dispute within the legally required timeframe.

Thank you in advance for your attention to this matter. I look forward to a prompt resolution in compliance with the law. 

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

I have a car loan with XXXX  XXXX XXXX that has always been billed via paper statements. That said I have NEVER been late with them on any loan payment EVER. A few months ago they stopped sending paper statements which caused a 30 late on my credit report. I reported to them multiple times that I NEED to receive paper statement in order to pay bills on time ( this has never been an issue ever from them ). They agreed that the changes to the statements must have happened in error but can do NOTHING to aid me in fixing the issue with my credit report. The reps on the phone proceeded to berate me and say that it was my fault and that they are under NO OBLIGATION to ever send me a paper bill and that I must send payments on my own. They proceeded to hang up on me after telling me that I should take better care of my credit. I'd like to note that because of the error with statements I have made it a point to prepay 2 months in advance while this is being fixed and continue to stay ahead as the error with statements has not been rectified.
Product: Debt collection

Contacted the original debtor which is XXXX XXXX and they stated I rented a house from them and that is not true. They said it was the month of XX/XX/2021 and the amount owed was XXXX. Again is not ture I have never lived outside of Michigan and at the time of this they didn't have my correct last name
Product: Mortgage

On XXXX XX/XX/2023, a signed purchase contract was submitted to Planet Home Lending ( PHL ) by the sellers of XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. The purchase contract was a loan assumption agreement. This submission was made with a follow-on phone call from the seller ( XXXX XXXX XXXX to PHL expressing the need to quickly facilitate this loan assumption application. As explained, the seller was under contract to purchase a home in Mississippi and that contract was contingent on this closing. Additionally, the buyer of XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) needed to close by the end of XXXX to be eligible for Home Stead exemption benefits. 

On/about XXXX XXXX, I received via USPS mail the loan application. After completing the documents and discussing outstanding questions with XXXX XXXX, I mailed the completed packet to her office on XXXX XXXX and it was received on XXXX XXXX. XXXX acknowledged receipt on Monday XXXX XXXX. I explained that the loan assumption needed to be completed by the end of XXXX so I can apply for home stead exemption and the sellers could close on their new purchase. PHL said that they could close by the end of the year so long as I respond quickly to any emails requesting additional info or that I address any questions. 

On XXXX XXXX, I spoke to XXXX XXXX, the manager within the PLH loan assumption Dept. By this point, the processor was changed from XXXX XXXX to XXXX XXXX, the Servicing Coordinator. XXXX had not responded to multiple calls and emails. XXXX told me that his team would review the status and do everything they could to expedite the application. I did not get a response from PHL for XXXX  days. Following multiple phone calls and emails, I finally was contacted back from XXXX who explained that the application would go to underwriting the next day, on XXXX XXXX. I was also told that the loan would not close by XXXX XXXX. 

Yesterday, I received an email from XXXX saying that the loan would be submitted to underwriting tomorrow ( XXXX XXXX ). I have been given misleading communication by PHL, unnecessary delay, and poor communication resulting in financial hardship to my family, the sellers of the property ( XXXX XXXX ), and the sellers of the property in Mississippi. This process should have only taken XXXX  days from start to completion. I need help in facilitating this process and close ASAP.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. 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 my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused XXXX XXXX to my XXXX, my XXXX my mode of living and to my XXXX I demand the late payment reported in XXXX days to be removed. They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a XXXX to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! XXXX XXXX XXXX ( a ) Time to make payments A XXXX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is XXXX XXXX XXXX  and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX
Product: Credit card

I returned XXXX items after being approved by the Limited card, I returned the items and was owed a refund of {$120.00}, but the Limited went bankrupt and now Comenity Bank still wants me to pay and I dont have the merchandise as I returned it.
Product: Credit reporting or other personal consumer reports

I have filed over XXXX disputes with Trans union regarding an account that was opened that I had no idea of, XXXX XXXX It was opened in XXXX. XXXX and XXXX removed this immediately. I just spoke with trans union again who have hung up on me XXXX and refuse to discuss this being on my account
Product: Checking or savings account

I filed a complaint and the number is XXXX After providing my feedback yesterday XX/XX/ I got home and there was a statement in the mail from Bank of America with and account number and a negative balance of $ XXXX. They were supposed to close the account altogether and that has not happened. Even after they sent me a letter stating they could not verify my identity so they were closing the account, it still remains open.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 Hello, I wanted to follow up on the results received from you and the other 3 bureaus from my investigation, thank you for getting back with me within 30 days. 

I read that the process of the investigation is to reach every individual company to verify the accuracy of information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verify with. I ask you to delete anything that is not 100 percent accurate. I had a lot of inconsistencies between the 3 bureaus, below i have listed them out for you. 

XXXX XXXX XXXX Date of Last Activity/Account Status/Date Opened I have now pointed out the mistakes so these need to be deleted not updated, by updating the terms is an admission of guilt and direct violation of my rights of a fair investigation.I am not sure how you can state it was verified.How is it possible that XXXX, XXXX, Experian all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to section 611 due to the inconsistencies coming after my original request of investigation. 

At this point. I demand vou delete these accounts immediately or make the correct changes. Please forward me an updated credit report to my address after you have completed your deletions and corrections. 

Thank you,
Product: Checking or savings account

We have verified that you are not entitled to any of the funds in the account and they will be returned to where they originated ; after which the account will be closed. At this time, we do not have an estimated timeframe for completion to provide. 

I still can not access my money. It has been almost XXXX months. Do you think this is reasonable?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordahce with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States 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 a account without my written instructions In accordahce with the Fair Credit Reporting act XXXX XXXX  Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States 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 a account without my written instructions In accordahce with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States 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 a account without my written instructions In accordahce with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States 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 a account without my written instructions In accordahce with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States 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 a account without my written instructions In accordahce with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States 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 a account without my written instructions In accordahce with the Fair Credit Reporting acXXXX XXXX XXXX  Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States 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 a account without my written instructions In accordahce with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States 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 a account without my written instructions In accordahce with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States 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 a account without my written instructions.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX XXXX XXXX
Product: Student loan

Today ( XX/XX/XXXX ), I looked at my bank statement and realized that Navient had taken {$1200.00} from my account. This was to my surprise because my Rate Reduction Plan amount was {$660.00} and it didn't expire until next month. I checked my emails from Navient and 3 different emails confirmed that my 1 ) My Rate Reduction plan didn't expire until the end of this month, 2 ) My monthly payment was scheduled for the {$660.00} amount, and 3 ) I had until XXXX to renew my plan or the original amount would be taken out. I immediately called my bank to see if they could stop the check, but they said I had to go to the company. 

I called Navient and explained the situation. I'm XXXX looking for work and I live in XXXX. I can't afford rent let alone my student loans. My father, who is the co-signer helps me but he has his own responsibilities, so he can't really afford to help me much either. Thank XXXX I had enough money to cover them taking it out, but normally I don't which means that had it been a normal day, I would have been screwed. This time of the month is when all of my utilities and credit card payments come out so usually I only have $ XXXX {$500.00} left over. This could have caused overdrafts and I would have had to scramble for money. 

When I called Navient they tried to lie and told me that my plan had ended and that's why they charged me. I immediately told them that that is not true and I have documentation to prove otherwise so them taking the money is basically stealing and illegal. They said that they can reverse the check but I'd have to either wait 10 days or provide a bank statement to show them that it was taken out. No sorry or anything. Just that. I was still very angry because I didn't feel like they understood the severity of their actions. I asked to speak with a supervisor because I didn't feel like that was enough. The supervisor, who seemed to have no feelings at all, said that they can file a complaint and add it to my record. I said you could have devastated my life by taking that money out. That's all you can offer is a filing a complaint. You guys are ruining lives out here. She said, " I'll file that complaint for you and I hope you have a nice day. '' Navient is out of control. They know that they are a shady business and do illegal things but they try to hide it or act like they've done nothing wrong. I have plenty of documentation to show that they should have only taken the {$660.00} out of my account and nothing else. So they stole money from me. They need to be shut down.