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

I have had a Banana Republic branded credit card for many years. The servicing bank was recently changed to Barclays. Barclays mailed me a new card, but this card was damaged, with no legible number. I was unable to resolve this issue over the phone, as the agent could not figure out how to help me, and I decided to simply stop using the card. 

After my husband made legitimate charges on this account with no physical card in the store, I decided again to try to resolve the issue of the damaged card. When I called Barclays, the agent offered to express mail me a new card and did so. She did not tell me there was a charge for this service and I did not authorize a charge. 

I then received a bill for the legitimate charges as well as a {$15.00} charge for mailing the new card. I placed XXXX calls to complain. On the first call I was asked to call a second number. XXXX calls to that number were disconnected after lengthy conversations with agents. 

I paid the legitimate charges but disputed this {$15.00} charge in writing per Barclays policy ( first letter XX/XX/2023 ) and requested that my account be cancelled. Barclays responded in writing confirming cancellation of my account but did not address my appeal of the fraudulent charge. I disputed the charge again in a second letter dated XX/XX/2023 and Barclays has ignored my written dispute and continued billing me in defiance of their policy. 

I have given up and paid the {$15.00} rather than risk any harm to my credit rating but I wish to make a complaint against Barclays for, first, applying this charge that I never authorized, and second, failing to follow their own dispute policy and ignoring my dispute and continuing to bill me.
Product: Credit card or prepaid card

I made a purchase for a service XX/XX/XXXX I never received the materials for the class so I decided to ask for a refund since I never attended the zoom classes either. Refund was never issues by merchant and credit card company wont help me either. They denied my dispute claiming the merchant stated I attended the XXXX classes which I did not.
Product: Credit reporting or other personal consumer reports

This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that the Consumer Financial Protection Bureau ( CFPB ) assist in the removal of a fraudulent account appearing on my credit report. This account was opened as a result of identity theft and contain inaccurate and false information. The fraudulent account is as follows : XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} This account have resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that this fraudulent item be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.
Product: Checking or savings account

I do not completely understand when or why it happened but I had a check deposited from my job and I went to make a transfer to my wife for food and school supplies. And when I open my account it showed that the account was restricted. I called the bank several times and they would not provide a reason why and then they finally release the restriction and then after making payments to my storage unit they stop the payment and then I had to redo the payment and pay for other things. And this week they have put the restriction back in place. Without reason. I am unsure if the restriction is because I'm using the feature that the bank has which is XXXX. Or the fact that I deposit money and send to my wife for support and food using XXXX. But the micromanagement of my account is beyond anything I've experienced and I no longer want to use this bank.
Product: Mortgage

In early XX/XX/XXXX I applied for a cash out refinance loan through American Financing. On XX/XX/2020 I signed documents on the loan ( the documents had errors, like not having my name correct ). To properly close, the title company XXXX XXXX XXXX needed some additional deeds recorded. The loan was not funded and my existing mortgage remained. The loan processor at American Financing was aware of this and we had almost daily emails about the situation. In a letter dated XX/XX/2020, I received notification that my unfunded loan had been sold to XXXX mortgage company and my first payment was due on XX/XX/2020. Eventually I got deeds prepared at my own expense as the ones I received from XXXX XXXX had errors in them they could not seem to correct them. The loan finally closed on XX/XX/2020 and my existing loan was paid off. However on the new loan, I have been charged interest on the balance of {$180000.00} since XX/XX/2020 despite my not having the money. I never received updated closing documents from the title company either
Product: Credit reporting or other personal consumer reports

In XX/XX/2023 my student loans were transferred from Nelnet to XXXX. My current balance with Nelnet is {$0.00} due to the transfer. Right now my student loans are showing XXXX  on my credit report. XXXX account for Nelnet and XXXX for XXXX. This is incorrect and should only be showing the XXXX account. 

When I spoke with Nelnet requesting that my account be closed because I now have a {$0.00} balance with them I was told no. I then disputed this account with XXXX, but it was not resolved. This is causing my credit report to show {$100000.00} in loans instead of {$50000.00}.
Product: Money transfer, virtual currency, or money service

There are over 6 payments from XX/XX/year> to current date that has been transferred into a Navy Federal checking account that is not mine and according to the NF is closed and charged off. 

I have currently XXXX that I also utilize for XXXX yet money is consistently being transferred into the the NF account. 

After speaking with a representative I was told that the savings account is active and money has been sent to that account yet when inquired at the bank abut he funds only {$100.00} is available. 

How is only {$100.00} available? What happened to the other funds. I have reached out to NF on several occasions in reference to this information yet they are telling me they can do whatever they want on a charge-off account. 

My experience in banking is that when there is a closed charged off account money usually mailed to the consumer. I was told that then money was redirected into the Savings yet that money was then taken from that account and applied to a charge off account? Under whos authorization? 

Now, with all that being said I have XXXXXXXX XXXX XXXX my current account how can you have XXXX with both. 

Navy Federal checking account status is what? 

Was this account deemed a loss? 

If so, what did you do with funds w/o authorization.
Product: Checking or savings account

XX/XX/XXXX. I did a mobile deposit of XXXX. It got credit on XX/XX/XXXX. I pay two bills XXXX cellphone bill payment. XXXX dollars check cash. I was two bounce fees both. Totally XXXX dollars. They charge me another XXXX. Which is XXXX. I call ask why they charge bounce when check cleared. This Hancock and Whitney Bank. I still havent issue been able fix issue with them. I call Hancock and Whitney about issue costumer service on XX/XX/XXXX. I feel this overdraft was not reasonable. I know taking advance me as a consumer.
Product: Debt collection

Submitted identity theft dispute provided the necessary documentation and seem to be getting the run around company keep asking for the same documentation
Product: Mortgage

My three mortgage loans with XXXX were bought by NewRez ( Shellpoint Mtg ) in  XX/XX/2020. I unescrowed my insurance with XXXX in XX/XX/XXXX and paid my insurance directly to my insurance carriers. NewRez Autodrafted/ ACH my insurance in the first month XX/XX/2020 including insurance. I called them immediately and informed them they were not to escrow insurance of which they adjusted the XX/XX/2020 payments correctly. However after many calls, several escrow analysis, harsh treatments, hanguos and multiple transfers, I have not been able to get them to acknowledge that the XX/XX/XXXX insurance money they ACH collected wrongfully in XX/XX/2020 needs to be refunded to me on all three loans. They simply say we are good, no refund and we are not paying your insurances. I have spent hours on the phone and spent 10 different people conversations today again, with nonresolve.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts are not accurate : XXXX XXXXXXXX XXXX {$2800.00XXXX XXXX XXXXXXXX XXXX {$2800.00} XXXX5 U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing regarding the cancellation of the debt associated with my account, which I believe was discharged or forgiven by your company. As required under 26 U.S. Code 1099-C, I would appreciate your assistance in providing the necessary documentation related to this cancellation for tax reporting purposes.

Specifically, under IRC 108, canceled debt may be considered taxable income, and I need to understand the full details of the discharge, including the amount forgiven and any conditions attached. I understand that under IRS Form 1099-C, creditors must report the cancellation of debt of {$600.00} o
r more to the Internal Revenue Service ( IRS ) and to the debtor.

To ensure proper reporting, could you kindly provide the following : A copy of the Form 1099-C issued for this cancellation.

A statement outlining the amount of debt forgiven and any applicable interest or charges. 
A description of any other terms or conditions related to the cancellation of this debt. 
Confirmation of the date the debt was officially canceled. 
Please provide the requested documents at your earliest convenience. If you need any additional information from my end to process this request, please do not hesitate to contact me. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

I was recently offered a pre-approved offer for a loanadditional lot I was granted 3,000.but once I applied they said I was only allowed to get up to $ 1,000.once I did I was constantly called and harassed on the phone to complete my application, but I ask them what was required of me to be able to received a loan before I even finish applying, I called back they said all they needed was my banking statements for proof of payments, I sent my business formation information and my ID, he said all the other information was in good standing which I provided 2 recent months and I know those 2 statements could even cover the {$1000.00} standard of what was made out to me.I wasnt offered any type of payment plan, just instant denial and a hard inquiry after I submitted the additional information to the rep on the phone.which is insane after I read my monthly payments could be as low as {$50.00} so Im trying figure out why wasnt I offered anything after all that, and they claim a letter will tell me but I believe that to be a lie, this was a targeted offer to me so they knew enough information about about me.
Product: Credit card

Had Citibank credit card for a few months and was only using it for gas and groceries. On Friday, XX/XX/XXXX I was checking my account and noticed a {$99.00} charge to XXXX XXXX XXXX, a store I never shop at. I immediately called Citibank and they canceled my card and said I would not be responsible for the charges. They sent me a replacement card and gave me a temporary conditional credit during the " investigation. '' Instead of submitting it as a fraud dispute they submitted it as a cancellation of goods or services. 
After almostXX/XX/XXXX months of countless phone calls and promises, they reversed the conditional credit and said I am responsible for the {$99.00}. They said it will affect my credit score if I don't pay.
Product: Credit card or prepaid card

On XX/XX/2002 while checking to confirm my two Citi credit card accounts were linked, their website identified a third card that could be linked. This was a Citi Bank debit card with only the last four numbers shown. I first called the CITI credit card unit, after 20 minutes they informed me they could not find this card nor explain why it shows up on the website. They transferred me to a banking unit. After another 20 minutes the representative told me they could not find any card and gave me the number for their retirement unit. After waiting another ten minutes to actually speak to someone, the representative there informed me they could not help me nor explain why this card is showing up. She then told me that I would have to speak to the Credit card unit. I asked her to connect me to a supervisor, which she agreed to do. After another 20 minutes I was connected to the general line which then disconnected. I then called customer service again and once again was supposed to be connected to a supervisor but was disconnected. I subsequently called again and after a failed attempt to help me connected me back to the CITI retirement unit. I spoke to a supervisor who was able this time to find a closed account, but did not find any debit cards. He was still unable to explain why your website indicated that there was a debit card that could be linked. After spending over one and one half hours on the phone and speaking to eight different people, and being disconnected several times I gave up with no resolution to my problem regarding the Debit Card. I sent my complaint via e mail to the CEO of Citibank but did not get any response. I am writing to you with the hope that you can have the appropriate person contact me by phone or e mail, and explain why your website shows that there is a debit card when none of your service people or supervisors can find one.

After several emails from CITI that only confirmed what I knew from the beginning, that this Debit card was part of a now closed retirement account. Citi still failed to remove the card from their website. When I notified them that the card was still listed they sent me a followup email.

I have recently been emailed with directions to yet again call CITI retirement customer services to get the card removed from their website. This is the same customer service that was unable or unwilling to help me get this debit card removed from their website. I do not want to wast more time on the phone with their customer service having to start my complaint all over again.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, The XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. These fraudulent accounts consist of a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, secured credit card account opened at XXXX XXXX XXXX XXXX on XXXX under the account number XXXX a charge account opened at XXXX on XX/XX/XXXX under the account number XXXX, a auto loan opened at XXXX XXXX XXXXXXXX XX/XX/XXXX under the account number XXXX, a auto loan opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account XXXX, an Insurance account opened at XXXX on XX/XX/XXXX under account number XXXX, a collection account with XXXX XXXX on XX/XX/XXXX under the account number XXXX, a collection account with XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt or credit management

I was on a payment arrangement with Lexington law years ago to repair my credit and nothing was done
Product: Vehicle loan or lease

On XX/XX/2018 I electronically sent the regular monthly car payment it was posted on XX/XX/2018. My payment due date is XXXX of each month. 
Finance Charge {$21.00} paid XX/XX/18. 

I mailed a check in about XX/XX/2018 it was posted on XX/XX/XXXX. On the check since I was with in the time limit I stated " PRINCIPAL ONLY '' and I noted the regular payment was previously sent. 

However, I received my stamen with closing date XX/XX/2018 and payment due XX/XX/2018. They used the principal only payment for an additional car for the same billing period and applied the balance of the money to the principal.

Finance Charge {$10.00} paid XX/XX/18 There was no " FINANCE CHARGE '' due with in the same payment period.

You can not charge FINANCE CHARGES twice in the same billing period.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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, 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. 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 USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

Dear Sir/Madam, I dispute the alleged debt. It is my understanding that I am not the debtor, nor was I the principal or shareholder of the debtor. Please validate the alleged debt and provide varification thereof the claim is due and owining from me, including but not limited to:XXXX ) Copies of the original signed application, lease agreement. any other loan and lease documents, that relates to the matter ; XXXX XXXX Proof of valid assignment of the alleged debt to me ; XXXX XXXX Complete payment history & books and account records going back to the original creditor ; andXXXX ) Notice, correpondonces, and any other communications with the third party and me
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 late closed and collections. I have tried numerous times to have this situation resolved with no resolutions. Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to request the blocking and deletion of all fraudulent accounts associated with my information due to the Equifax data breach, under engagement number XXXX. As a victim of this breach, I am invoking my rights under 15 USC 1681c-2 ( a ) to have any unauthorized accounts or inquiries removed from my credit file. I have taken immediate steps to protect my identity, but the breach has resulted in misuse of my personal information, impacting my financial security. I would appreciate your assistance in ensuring Equifax fully complies with my request and provides confirmation of the account deletions.
Product: Credit reporting or other personal consumer reports

ACCORDING TO XXXX XXXX XXXX - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.