23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was put on forbearance with Citizens as I was laid off in XXXX XX/XX/2020. I make 75 percent of our income ( wife and I ). I am in the car business and had no idea when we would be able to work again. Citizens differed my payments. By XXXX I was back working. I called citizens multiple times, they have records, and I attempted to get off forbearance. I had logged online multiple times but was not able to make a payment online, I had to call. Wait on hold for hours sometimes just to be hung up on or transferred to XXXX. All because I wanted to pay my mortgage. Online I could only pay the full 4 months due and wasnt allowed partial payments. Which is assanine. Finally I was able to talk to someone and i paid XXXX dollars but I couldnt use it to go towards my payments in deferral only towards principal.!?!?! I then stated since I was backed by the fed that I wanted out of forbearance and my payments added to the end of my loan. They have made it absolutely impossible for me to PAY MY MORTGAGE, now I am broke again, I can not afford to pay XXXX dollars and I do not want to re mortgage my house. I just want my payemtnts deferred added to the end of my loan which is an option I heard the president of the United stated guarantee me I could do. I dont have time to XXXX around on hold and then to non decision makers at citizens bank. To as me to hold for hours Or to fill out paperwork and send taxes is bull XXXX. I lost my job because of COVID, along with the rest of the country.now I have to prove it? Did they not watch the news. Im not proving anything I didnt ask for anyone of this. Now I cant get help. Big banks, do whatever the XXXX they want they always have.
Product: Credit card

This is the complaint i filed on Barclay American Airlines Aviator Card customer complaint online form. 

Your automated calls have been calling me since last month XX/XX/2023 telling me my account is late and past due and it happened again this month XX/XX/2023, my account is current and up to date and your system is incorrect. I need you to stop making mistakes and causing disruption. Also send to my email that you have corrected your records and all late remarks have been removed from my account via email, as these remarks are false since i've never had a late payment. 

This mistake by Barclay could be affecting my credit in a negative accord.
Product: Credit reporting or other personal consumer reports

UN-AUTHORIZED ACCOUNTS/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account
Product: Credit card

I borrowed approximately XXXX dollars on my Care Credit card. I have been making payments every month for over a year and a half. My payments have been between XXXX and XXXX dollars each month. My care credit statement says that I now owe XXXX dollars even though I have been making payments. I believe the Care Credit / Synchrony employee I spoke with on the phone told me my interest rate was around 26 % and that it was 0 % initially and that I was charged accrued interest after not completing payments after 1 year.
Product: Money transfer, virtual currency, or money service

This case is a continuation of Sam case reported on XXXX  XXXX XXXX. under CFPB report XXXX. After XXXX  XXXX XXXX closed, I went to a lawyer but, with the pandemic and left with limited finance due to high medical bills from my XXXX  XXXX  injuries, I did my own research and found oud the bank of XXXX which confirmed the Zelle transfer I made to XXXX XXXX and " mother '' of XXXX XXXX was XXXX XXXX  as XXXX  XXXX XXXX told me at the time I filed with CFPB but XXXX  XXXX XXXX could give me details about XXXX XXXX citing some " privacy '' rules and what led me to get an attorney. Furthermore, I also called XXXX XXXX, where XXXX XXXX has an account and this was confirmed by XXXX. XXXX. 
I then called XXXX multiple times and they kept telling me to go to XXXX  XXXX XXXX. and I told them I had already contacted XXXX  XXXX XXXX and was told to contact Zelle. Then I went to XXXX  XXXX XXXX and told them what Zelle just told me. XXXX  XXXX XXXX. said their investigation. was close which I knew. I called, emailed Zelle and even g provided them with XXXX  XXXX XXXX case # and told them cfpb also investigated and was wondering with XXXX. XXXX XXXX  and her " mother '' XXXX XXXX XXXX XXXX detiled accounts, why not take necessary actions to get my {$1900.00} money back? I was told they noted and I should wait and they will get back to me. Fastward, after another call, they emailed and told me to use a link and enter the case I thought should have been entered as I understood. during all these calls or email. Long story short, I used the link and and went to Zelle to file the case but haven't heard from them. I also emailed and got a reply they're investigating. However, I have no update since XXXX XXXX. I send another email and it seems nothing is moving and I though I should inform you by submitting a new complaint and this time against Zelle.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter in reference to XXXX, XXXX that your company is currently reporting to XXXX, XXXX, and XXXX under my name. The account is being reported to have a derogatory rating which is very troubling to me! Ima worried about my credit because I was recently denied a loan and my existing credit accounts have increased my current interest rates. Please be advised that this negative rating has caused me some serious financial distress & will continue to cause me financial and emotional distress until it is resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters and called the company numerous times while attempting to obtain all information needed to remove this inquiry. This inquiry is effecting my chances highly of establishing a great history with the current company and keeping me in financial hardship. The name of the inquiry is ALLY FINANCIAL. The bureaus reporting are XXXX, XXXX, and XXXX. Thank you!
Product: Checking or savings account

I deposited a paycheck from my job on Saturday XXXX XXXX when I received it by mail. Their website states that checks will be deposited into accounts after XXXX hold period. I called Monday to see if my check funds could be released and was told it wouldn't be a problem since my account has been open longer than 6 months, but to call back Tuesday morning since my XXXX hrs didn't start until Monday ( business day ). I called back Monday at XXXX and was told again that it won't be a problem, but call back after XXXX to have the funds released. I call back at XXXX and am told no, they will not release the funds until Friday, XXXX XXXX. I asked to speak with the Manager who says she can not give me a reason why the funds won't be released and laughs when I ask to escalate the call further. She wouldn't give me any complaints department info and only gave me the corporate mailing address to write a letter to complain. I even expressed that continuing to hold my funds will make me delayed further in paying my rent which is due by the XXXX, causing me to incur fees and face an eviction letter. Still no response from Capital One as to why my funds will not be released. I have submitted an email complaint and contacted them through social media with no response. I have deposited at least 5 checks before this, that were hand written personal checks with no hold period longer than 48hrs. This is a printed payroll check with document authentication drawn from XXXX & XXXX, paid by a reputable non-profit organization signed by XXXX. There is no reason I should not have access to the funds after 72 hours.
Product: Credit card or prepaid card

On XX/XX/2021, I received the message that {$440.00} was charged to my apple card. I did not make the charge and I immediately contacted The Apple Card ( Goldman Sachs ) stating that this was not my charge. 
They placed the charge as disputed and after several months stated that they contacted the seller and they apparently proved a charge was made with my credit card. Therefore, they found in favor of the creditor. I stated again I did not make this charge and to provide proof that I made the purchase online and to verify where the item was shipped to. They refuse to take this item off.
Product: Credit reporting or other personal consumer reports

I have submitted over 10 dispute letters to XXXX XXXX and equifax over the last 2 years and also asked for the creditor to seize all communications with me and the credit agencies according to 15 usc 1692 c and the creditors keep calling me and also reporting inconsistent inaccurate information to XXXX XXXX and equifax.also I've notified the creditors and the XXXX  equifax and XXXX that they are reporting inconsistent incomplete inaccurate information on my credit report.i am attaching a credit report feom today XX/XX/year> from smart credit and highlighted all of the inconsistent information being reported. When ever a credit report is not reporting XXXXpercent accurate information concerning the individual about whom the report relates.these accounts are the result of idenity theft and fraud and i demand to block the following accounts within 4 business days pursuant 15 usc 1681c-2.also the dates of activity opened dates closed dates dispute status are all inconsistent across all 3 credit agencies.i am no longer liable for the following accounts XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am also attaching the ftc report # XXXX and the idenity theft Affidavit as proof that im a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently requested for a full check of accuracy on all three of my credit 's reports from, Transunion, XXXX and XXXX. I have done a full investigation on this accounts that I have notice to not be accurate on my reports, after I requested the credit bureaus to look in to the this matters at hand. I requested my credit bureaus check for accuracy in XX/XX/2022 and also in XX/XX/2022, I see there are serve accounts that are not accurate or not mines still present on my reports. According to The Fair Credit Reporting Act, 15 U.S.C.1681 section 602A. States I have the right to privacy. The Fair Credit Reporting Act, 15 U.S.C. 1681 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction. Here is the listed of account wrongfully, inaccurately, or not mines at all that is still been reported on all the credit bureaus or just on one or two bureaus. I also have a police report on where my wallet was stolen out of my car. Someone was trying to open accounts in my name. 

XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX Account Number XXXX XXXX XXXX XXXX I Account Number XXXX XXXX Account Number XXXXXXXX XXXX Account Number XXXX XXXX XXXX Original Creditor XXXX  Account Number XXXX XXXX XXXX XXXX XXXXXXXX Account Number XXXX
Product: Vehicle loan or lease

On XX/XX/2021 my Consumer Rights have been violated.
Product: Payday loan, title loan, or personal loan

The company has a rep by the name of XXXX who is calling my main company line harassing and leaving messages for me. The company has my email and cell phone number. The company no this rep has no right to contact me or my co workers at my job it is embarrassing
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/2012 with a balance of {$0.00} -This is not my account.
Product: Credit reporting

I FULLY INTEND TO SEE THE HOUSE MY SS # & MY NAME WAS USED TO BUY IT! 
FTC TOLD ME THAT PERSON HAS BEEN USING MY SS # & NAME SINCE XXXX! 
WHY COULD N'T THEY STOP IT 25 YEARS AGO????????????????? THINK THEY WOULD MIND IF I MOVED IN WITH THEM????????????? 
I PROBABLY WILL NEVER FILE ANY KIND OF TAXES AGAIN! SINCE THEN,XXXX, COMPUTER HACKED ALONG WITH HOMEPHONE & CELL. DO N'T THINK ITS LUCK!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! THE GOVERNMENT JUST DO N'T CARE ABOUT US REGULAR PEOPLE THAT WORKS FOR A LIVING, BET THEY WOULD FIX IT SOMEHOW IF IT HAPPENED TO THEM, LIKE XXXX XXXX, OBAMA OR EVEN OUR BELOVED HOUSE SPEAKER? HOW WOULD IT FEEL TO BE STILL WORKING ON GETTING YOUR XXXX TAX RETURN BACK IN XXXX? JUST ASKING XXXX, YOU THINK???????????????? 
MY CREDIT SCORE WILL NEVER EVER RECOVER NOW THAT I 'M XXXX YEARS OLD!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, On XXXX XX/XX/XXXX, I moved into my apartment at the XXXX XXXX XXXX XXXX in which I completed my lease as a paying tenant of every month. In XX/XX/XXXX, the complex filed a writs of assistance against me in which we were required to appear at the XXXX XXXX the morning of XXXX XX/XX/XXXX. Just for clarification purposes, I was never evicted or subject to eviction. After thorough investigation, all parties ( the complex, the judge and I ) reached an agreement in which is evident by the wet signatures of all parties involved o the original contract from that date. This agreement clearly states that due to me already vacating the premises, I owe nothing and am in debt to no one. Furthermore, I was specifically told that there should be nothing regarding this matter reporting to my credit. However, after recent speculation of my report, not only is the creditor reporting invalid and incorrect information in which had negatively affected my overall report, but I have not received any notification whatsoever regarding my right to dispute this inaccurate information. After attempts to dispute this inaccurate matter, it came back as validated and updated. The updated information was also incorrect and a further violation of my rights as a consumer. Below, I have included a list of violations I am encountering from both the creditor and credit reporting agencies along with the attached original document. 

In accordance to the Fair Credit Reporting Act Account # XXXX has violated the following rights : - 15 U.S.C 1681 Sec 602 in which states I have a right to privacy.

- 15 U.S.C 1681 Sec 604 in which states my written consent is required in order to furnish my report.

- 15 U.S.C 1692g Sec ( a ) - Validation of debts in which requires a debt collector to notify me of my right to dispute inaccurate information via written notice. Sec ( c ) - Admission of liability states that failure to validate the debt may not be construed as an admission of liability. Section ( d ) - Legal pleadings clarifies that communication in the form of a formal pleading civil action should not be treated as an initial form of communication. I have yet to received any notification or form of direct or indirect communication from anyone regarding this matter.

- 15 U.S. Code Sec 1681i - Procedure in case of disputed accuracy requires the credit reporting agency to conduct a thorough investigation before coming to a conclusion. Instead, the response I received was further inaccurate information that threatens my credit report even more than before. The original documents were not included, nor was any of the required subjects investigated or questioned in order to contribute to this fast decision. This proves the failure to follow proper dispute procedures.

- 15 U.S. Code Sec 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies states that a creditor can not knowingly supply incorrect information to a credit reporting agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time  has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 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 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
Product: Debt collection

Today I verified that this account Im reporting to be deleted and blocked is still reflecting on my credit report and it is causing an issue with my financial credibility.
Product: Checking or savings account

On Tuesday, XX/XX/2019 at XXXX XXXX, I attempted to deposit 3 checks totaling {$2500.00} into my checking account at US Bank at their ATM machine at XXXX XXXX XXXX, XXXX, CO XXXX. The ATM machine took my debit card and the checks, but never completed the transaction. The machine shut down, then restarted, but did not return my card or checks. The bank was not open, so I contacted a representative of US Bank by phone and gave her my information. She was going to open a dispute for me. I was advised to contact the bank when they opened at XXXX. I contacted the bank on Wednesday, XX/XX/XXXX, and was told by a bank manager that the ATM machine was opened weekly on Thursday afternoons. He said he would contact me and return my card when the machine was serviced. I was told I could not re-deposit the checks because they had been in the machine, but would be given provisional credit for the deposit. I received a call late Thursday afternoon, XX/XX/XXXX that my card had been retrieved, and I could stop by the bank and pick it up. I went to the bank on Friday afternoon, XX/XX/XXXX and was given my card. The bank representative who returned my card, XXXX XXXX, told me they had my checks and I should be receiving credit on Monday or Tuesday, XX/XX/XXXX or XXXX. I left a voice mail on Tuesday, XX/XX/XXXX when I had not received credit for the deposit or any communication from US Bank. My call was not returned by Thursday afternoon, XX/XX/XXXX so I went to the bank and spoke to XXXX. She assured me that someone was working on my dispute, but she contacted someone in the online banking department who told her my dispute was rejected. She was very apologetic and says this has never taken this long, but that someone would call me on Friday, XX/XX/XXXX to get more information. I have yet to be contacted and have not received credit for the deposit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company ran a hard Inquiry against my credit report without approval. I have attempted to communicate with the company to resolve this but have received no response. Please remove this from my credit report. 

Inquirer Name : XXXX XXXX XXXX XXXX Date : XXXX XXXX, XXXX Contact Info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX
Product: Debt collection

XXXX XXXX XXXX was served a Notice of Claim and Dispute Affidavit. Accompanying the affidavit was an exhibit regarding their companys violation of my consumer rights and an invoice for those violations, dated XX/XX/XXXX. To present, XXXX XXXX XXXX has not rebutted the affidavit nor have XXXX XXXX XXXX sought to grant the remedy owed to me, but have acknowledged after harassing me for months and negatively harming my credit score, that in conclusion of their investigation in response to my affidavit, they were removing the account from my credit report. Please see attachments. Enclosed is my good faith with clean hands attempt to resolve this with XXXX XXXX prior to seeking default judgement, pursuant to Rule 55. The attachments include : Tracking information with signature return receipt, Private Notice of Claim and Dispute dated XX/XX/XXXX, Exhibits of XXXX XXXX XXXX violating 15 U.S.C 1692, Invoice dated XX/XX/XXXX for 15 U.S.C 1692 violations, and Notice of Settlement Offer dated XX/XX/XXXX.
Product: Checking or savings account

America First Credit Union ( AFCU ) failed for OVER 11 WEEKS to close my account and remit funds after written notice and after they stated in writing they WOULD close the account and send funds. On XXXX XX/XX/2021 Moved from XXXX  to XXXX, Updated address on account and sent secure email asking to close it. XXXX XXXX AFCU replied, " Thank you for contacting America First! XXXX, We received your account closure notice and will complete that process, which consists of mailing to the address we have on file a cashier 's check made payable you in the amount of your combined funds ... '' On XXXX XXXX Account was STILL not closed. I used secure chat to ask what happened. They said I needed to call by phone. First phone call was disconnected when I asked for agent ( instead of automated access ). Second call required 17 minutes with an agent and supposedly now they will actually close the account.

Request CFPB reiterate top America First Credit Union their obligation to close accounts and remit funds promptly. Request America First Credit Union Formally adjust their poor procedures so that they ACTUALLY close accounts when requested in writing and when they already agreed in writing to do so.
Product: Credit reporting or other personal consumer reports

Months ago, I have sent a letter to the XXXX credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I don't want to see this anymore it causes me problems with my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21, a dispute was submitted regarding false information on credit report and it has taken over 30 days to complete.