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

I received my BARCLAYS credit card bill to find out that I had charges on it that I never made, never signed for, never authorized and didn't know about. I wrote a letter to my credit card company and requested that these charges be removed and explained the situation with them. I called the credit card company as well, they told me not a problem, they will remove the charges and issue me a new card. They did exactly that and everything was fine. I then receive a notice in the mail that they contacted the merchant and was told the charges were valid. I did file a police report with the City Police Department as a crime has happened to me. I then asked them to provide me with proof of me making these charges. They declined and told me that they completed their investigation and the charges stand and I owe it. They are also charging me some crazy cash advance fees as well, in which doesn't belond on my account. I need help with this as I am not getting any help or assistance regarding this account. BARCLAYS will not work with me and have dug their feet in the ground, they will not provide me with information and/or any reasoning. I feel as though BARCLAYS isn't be accountable and personally harming me by their actions. The CFPB is suppose to be here to help consumers and protect us against things like this.
Product: Checking or savings account

I have been trying to solve this issue for a long time with wells fargo but got no help. I have an checking and savings account with them. For more than 2 years they have been unauthorized charging me for something that I have no idea about. I have never checked my account before and I have been paying XXXX dollars every month in a 2 transaction for something called XXXX XXXX. I have talked to the branch about it when I found out after almost 2 years. They couldn't help me out and finally after a many try they were able to stopped the charges and gave me a 2 months of money back. I have been trying to get my whole refund as this was out of my authorization. I have lost so much money because of this unauthorized charge. This is not fare for a person with low income in this country. I have been in a hardship and got charged for minimum balance or out f balance that I wasn't accounted for. I want wells fargo to recover all my money that I lost so that I can payback my loaner. This is getting out of my hands to just survive with my family. This is just unjustice of a known business and a known big company. I would have to get my money and close this account and move on to somewhere else. But I wanted try one last time to get an solution. I have been trying so hard to not mes up my credit score but getting scammed like this is just unfortunate for me. I want all my money back period. I would have to seek a lawyers help if I have no other options and I will if it's the last resort for me to get my money back.
Product: Vehicle loan or lease

I applied with this company last week. 
The first problem they pulled my credit two times for one application. 
Second they told me I was approved, then told me I was declined, then told me I was approved and sent me an email stating the approval. Now tonight I find a car that fights the approval and I was told after leaving the dealership and placing my Deposit that Im declined. No one in this company has patience or give true and correct information. This is so frustrating and embarrassing. I need solid answers, not only that the apr changed.
Product: Mortgage

Re : Misappropriate mortgage payments Mortgage Loan Number : XXXX I am writing to request investigation and correction of the errors described below regarding the mortgage on my property at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have previously and historically been allowed to submit bi-weekly automatic payments for the mortgage on the above property since XXXX. The mortgage document I signed did not have any constraints on how payments should be made. During the loan tenure with the prior lenders, XXXX XXXX  and then XXXX XXXX the {$600.00} bi-weekly payments were received and applied as intended without error and without late fees. The issue prompting this letter started from the moment M & T Bank gained custody of my loan in XX/XX/XXXX. Even though the schedule of the payments has stayed the same, there have been monthly harassing calls from M & T Bank incorrectly stating that payments were missed, and the loan needed to be brought up to date. In these calls, I have expressed that I send {$1200.00} a month for a mortgage that is {$920.00} a month. And, I have asked them these questions : How are payments being missed? Why am I being charged late fees? Subsequently, am I being charged additional interests on the loan principle? 

To date, these questions have not been answered. I feel that errors are being made at my expense and that my funds are being misappropriated. I would like for my payments to be investigated and for any errors found to be corrected. If funds are going to be returned, I want them applied to the principle. 

Please note that this letter is also being sent to the following entities : M & T Bank, XXXX XXXX, Consumer Financial Protection Bureau, State of Connecticut Department of Banking, and Connecticut Senator XXXX XXXX. 

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

In XX/XX/2020, I noticed that there was a bad credit record showing that I have a delay payment for a XXXX  credit for more than a year. It hurts my Experian credit score. However, I never had a XXXX  credit account and I am not a XXXX  customer anymore ( used to have a checking account from XXXX ). I called multiple times to XXXX and since it was not my account I don't know the exact account number, therefore, XXXX  customer service can not help me to locate that account or file a fraud report. 

I filed dispute with Experian twice, and after so-called investigation, they kept recognizing it was my account. Until the later of XXXX, I went to XXXX local branch. The front-desk manager helped us call their fraud center and explain the situation ( using his internal privilege ). We found out that there was a guy who had a similar name as mine but same at all, and ever lived in the same apartment building but not same unit as mine couple of years ago. XXXX  mistakenly put his bad credit and linked it with my credit report! XXXX said they would investigate it and hand to Experian within 60 days, but 60 days passed, we haven't heard anything. My credit score keeps decreasing and I am about to loan mortgage. I am quite innocent but no one seems working for protecting us.
Product: Checking or savings account

On XX/XX/2023 at XXXX I tried to withdraw {$120.00}. The machine was taking forever so I started to record with my phone. The atm machine finally said timeout. So I called the bank that the atm was at and left a message and tried to get ahold of my card issuer as well. No one was available on either end and I had to wait until business hours to speak with someone. The banks atm called me right away and I was told that I would have to deal with my card issuer. My card issuer has made it impossible to find out whats going on. They refuse to escalate my call to a supervisor every time that Ive requested. I was told numerous times that they will email me an update and I have not received that either. Since then Ive had my electricity shut off and was made to pay a {$100.00} reconnection fee.
Product: Debt collection

I am requesting debt validation, according to 15USC 1692G, I have no knowledge or contract agreement, nor provided anyone permissions to share personal information with XXXX XXXX XXXX, I am requesting wet signature and proper verification of this debt. This debt is violating my consumer rights. 

1. Send full detailed list of payment history on this account 2. I want to see original signature that I agreed to on the contract for this creditor 3. Has there been any insurance claims filed on this debt 4. I want to see the chain of title you have on this debt
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report in XXXX of XXXX, I discovered Experian recorded a charge-off on a joint account I had with XXXX   XXXX  ( now XXXX  XXXX  ), account number XXXX, in XXXX of XXXX. I did not dispute the charge-off ; however, the account was paid in full on XX/XX/XXXX. I provided Experian with a signed letter from XXXX XXXX indicating that was factual. I requested this information be added. Experian changed the finding to indicate the account as : " Paid -was a charge-off. '' Once this was corrected, Experian indicated the " charge-off '' occurred on the month I initiated the dispute, which was XXXX and XXXX of XXXX. Since the negative activity is maintained for 7 years, I contacted Experian again and requested the negative reporting be moved to the original date, or no later than XXXX of XXXX since the loan was fully paid that month. Experian responded by leaving the negative reporting in XXXX and XXXX of XXXX, and added two more months of a " charge-off '' in XXXX and XXXX of XXXX. The third request I made to Experian resulted in a " charge-off '' showing up in XXXX and XXXX of XXXX. This pattern continued each request I made to place the negative activity back to XXXX of XXXX. I am at a loss and have no doubt that further request to Experian will result in additional charge-offs showing on my credit. 

The negative information, which should be minimalized due to the time frame, continues to have a negative impact on my credit due to Experian 's failure to correctly report the facts. I accepted the responsibility for the loan by co-signing for my child and never disputed the charge-off. However, the account was paid in full in XXXX. I did not have that account with XXXX/XXXX  in XXXX, XXXX, XXXX, or XXXX and should not be continually penalized for requesting the CORRECT information be reported.
Product: Credit card or prepaid card

I bought an item from an online store and returned it. I reached out to the company about my return and they told me there would be a {$12.00} fee to return the item using their label, which was fine. The amount of money I should have received from that company was the purchase price minus the {$12.00} return label. After they received my return in the mail, they refunded me far less. They sent an email ( attached ) where they have some random 26.19 % charge on my return- with XXXX explanation as to what that is or why it's coming out of my return. I reached out to them to ask why I wasn't refunded my full amount and they didn't give me a straight answer. Given that the product I returned was unopen AND returned within the 30 day window as stated on THEIR site 's return policy ( attached ) I should be entitled to a full refund less return shipping costs. I raised a dispute with American Express with screenshots of the store 's return policy as stated online and despite raising a ticket twice, American Express has told me there's nothing they can do- which is ridiculous. Return policies are posted online for a reason. Stores can not just make up reasons to keep part of your funds because they feel like it and if a company like American Express is presented with ample evidence as to the store 's return policy, they need to ensure the store honors it.
Product: Debt collection

So Levy and Associates LLC has refused to stop the bank garnishment hearing even thought they are well aware of me being enrolled in a debt counseling management plan they are welll aware and as well as they are aware that I had XXXX XXXX XXXX I am not working and my daughter has tried to reach out to them several times on my behalf because I am in a XXXX XXXX  XXXX XXXX and they will not do anything at all and I have had my daughter call several debt lawyers and they have told her that being I am enrolled in a debt counseling management plan that they need to stop the bank garnishment and they keep on refusing and I am XXXX year old man who is a veteran and who is currently recovering from XXXX XXXX XXXX in a XXXX  and I am currently not able to drive or anything I can't do nothing. I mean I wasn't even aware of this until XX/XX/year> so this is not right and they refuse to do anything so I hope you guys can help me get a resolution to this,
Product: Debt collection

This debt shows Sentry is continuously reporting on my credit file that I owe this debt after I have disputed and the creditor has confirmed it was identity theft. The creditor stated that they have closed this account and I am not held responsible for charges.and that it will be deleted from my credit file. This dates back to XX/XX/2021 that I have been disputing.
Product: Debt collection

There are two collections on my credit report that are not mine. Transworld systems owns both. XXXX is for {$500.00}, the other is for {$1200.00}. I was never contacted, sent any form of communication as to what the debt is, theres no account numbers, no phone numbers, no address.
Product: Money transfer, virtual currency, or money service

My sister made a transaction on XXXX of XXXX with Revolut service, I've tried to deposit my funds to my personal account on XX/XX/XXXX, but Revolut canceled my attempt and asked to proof my identity, so I did : I sent them my personal photo with holding my DL in hands, sent them revolut statement, SSN number, but it wasn't enough for them and Revolut decided to lock my account and freeze all my funds due to suspicious activity. 
after 14 days of reviewing my claim I contacted them again and they said that they can't do anything about and I have to file a claim at their corp website. 
I've done that as well. 
after 14 days no one called me either. 
I tried to contact Revolut online agent again but they locked my access to it and just didn't respond me back for 24 hrs already and counting ... ... ..
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the account referenced XXXX XXXX XXXX XXXX. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FCRA, I have contacted the creditor myself and have been unable to get them to verify that this is indeed my debt. You are also reporting the date last active was XX/XX/2023 when this is incorrect. The XXXX is critical when dealing with the statute of limitations and I believe your company as well as the collection agency knows this and that is why you illegally updated the date last active. I dispute your claim and I requested validation from XXXX pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ) and received nothing. I enclose copies of my requests to the creditor as well as the credit reporting agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature requested. This debt is not mine and I was given no evidence of my obligation to pay this debt. Stop reporting this information on my credit report for failure to legally verify. Please see the attached letters which are dated and time stamped.
Product: Credit reporting or other personal consumer reports

I have been trying to submit a request from my victoria secret credit card. They are only reporting this card to XXXX  and XXXX. I sent several requests to please report it to XXXX as well. I tried contacting the credit department as well and was told it is reporting. That is wrong information. My card has been paid off in full and I would like them to report this to all 3 credit reporting agencies. As it would help increase my score.
Product: Credit reporting or other personal consumer reports

On XXXXXXXX XXXX XXXX XXXX  I, the consumer went into the XXXX XXXX XXXX dealership for a consumer transaction and was denied the extension of credit. The consumer was then contacted by the general manager by email stating that the if I needed assistance to contact him, on XX/XX/year>, I was advised that the application was pulled from XXXX XXXX XXXX XXXX, I was given an application number and advised to call the lender from the car sales manager XXXX XXXX XXXX XXXX stated they haven't received an application, the dealership is stating that they sent over the application to the lender and the lender states that they haven't received an application.
Product: Credit reporting or other personal consumer reports

I disputed an account with XXXX XXXX  with the credit bureau. This account is not validated. The credit bureau is still reporting the account on my credit report although the company did not provide any documentation to validate the account. I has been XXXX  days since my dispute, which is past the required 30 days to respond.
Product: Debt collection

On XXXX XXXX, I was contacted for the first time ( as far as I know ) from an unknown number. They left a voicemail that said my full name and that I have failed to respond and now they are trying one more time before ending voluntary communication. The voicemail said that they were willing to settle for 70 % of the debt or offer 12 month debt payments. It then gave the account number for my collection account. 
I immediately called them back and requested that they mail the information to me so I can verify the debt as I am unaware of this medical bill theyre referencing. 
Later that day, I got the EXACT same recorded message that had been left on my husbands Ex-wifes cell phone that she forwarded to my mother in law, who forwarded it to me. 
Id like it noted that I have no connection to my husbands ex-wife and there is NO reason they should be leaving all of this information on anyones voicemail- much less someone Im not even related to or in contact with. 
It should also be noted that the voicemail is a recording from XXXX XXXX. When you call back, everyone refuses to let you speak to him because they claim he is the guy that just leaves messages. I have the voicemail recordings available for both calls and can be sure that theyre both recordings!
Product: Credit reporting or other personal consumer reports

At some point, my personal information was stolen and used fraudulently, leading to unauthorized accounts and transactions appearing on my credit report. As a result, my credit score has been severely impacted, making it extremely difficult for me to obtain loans, credit cards, or any other financial assistance. 

I have repeatedly contacted the credit bureaus to dispute these fraudulent accounts, providing them with all the necessary information and documentation to prove that I did not authorize these transactions. Despite my efforts, they have refused to remove these items from my credit report, leaving me trapped in a situation where my financial stability continues to suffer. 

This fraudulent activity has not only affected my credit but has also caused immense hardship for my family. I have been unable to access the financial resources needed to support my household, and my ability to build and maintain good credit has been unfairly compromised. 

I am seeking the CFPBs help to intervene in this matter, ensuring that the fraudulent items are properly investigated and removed from my credit report so that I can restore my financial standing and move forward without these unjust obstacles. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XXXX/XXXX/XXXX, debt collector accessed my credit without my permission and claimed reason was for real estate application. I never submitted a request for credit application with debt collector. I made contact with company used to access credit and was referred to their Compliance Dept. on XXXX/XXXX/XXXX. Then was told that inquiry could be removed but only if I sent them a copy of my Driver 's License and social security card or a XXXX that shows my social security number. 

Company : XXXX/Partners for Payment Relief XXXX : XXXX XXXX XXXX Person whom I spoke with at XXXX is XXXX XXXX XXXX ) XXXX In XXXX XXXX debt collector filed a Notice of Default with County Recorders Office, to foreclose on property. I would like the inquiry to be removed from my credit. The Notice of Default was proper procedure for this type of debt collection, not an unlawful/deceptive access into my credit for any reason not authorized. 

Thank you.
Product: Mortgage

CA Bank and Trust has been dragging their feet on this workout request for months. At issue is when documents are sent in the documents aren't reviewed for weeks which is a violation of RESPA guidelines. By the time CA Bank and Trust finally gets to the documents a month later the documents are expired. This is an unacceptable violation and must CEASE and DESIST IMMEDIATELY. 

I expected CA Bank and Trust to IMMEDIATELY escalate my file to a supervisor and have my request reviewed and send me a modification agreement. They've had enough documents sent to fill up library. Their gross financial negligence on my home is unacceptable.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made On Time : I made the payment on time as per my records. Please see the enclosed bank statement, which clearly shows that the payment was processed well before the due date.

Clerical Error : There may be a clerical error in the reporting process. The payment was not accurately recorded or credited to my account in a timely manner, leading to this erroneous late payment report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Credit card

Filed previous complaint concerning XXXX XXXX charges with Bank of America ( complaint XXXX ). After investigation, credit was given fully covering the dispute. They assured me this matter was closed. Claims number XXXX Today I received a letter stating they have changed their position. They have recharged my card for {$790.00} on XX/XX/year>. 

It is unfair and deceptive to agree to chargeback on XXXX XXXX and then reversing ( because they filed bankruptcy? ). 

Refund my money as was previously agreed.
Product: Debt collection

AR resources keeps calling me for debit collection. I have asked repeatedly for them to send me something in writing that verifies the debt/creditor. To date I have not received anything, yet they still keep calling me. 

I check my credit report regularly and I have nothing in collections or past due.
Product: Credit reporting or other personal consumer reports

XXXX shows an inquiry on XXXX. I DID NOT APPLY for credit for this service or account. XX/XX/22 XXXX XXXX shows an inquiry on XXXX. I DID NOT APPLY for credit for this service or account. XX/XX/22