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

On the first call to Barclays on XX/XX/XXXX I had a balance of {$580.00} and automatic payments of {$13.00} per the automated system. I obtained this information by entering in my social security number and my date of birth. I never opened another card with Barclays after the fraud. It took them sometime but a Barclays rep ( XXXX ) found the account, I was the primary and there was an authorized user that they wouldnt name the authorized user or the address that did not match the two I gave ( " I don't see any of those on this account '' ). I was also supposed to get some documentation and a letter, which never came. The account was flagged for fraud too by the actual fraud department ( I spoke to this gentleman ) according to the general rep ( XXXX ). The fraud rep transferred me back to the call-pool and I managed to get back to XXXX. She stated everything was now showing it was flagged as fraud and closed. I spoke to a general rep and a rep from the fraud department at Barclays. 

I can still access this ACTIVE and recent credit history by entering in my social security number and my date of birth. On XX/XX/XXXX there is a balance of {$13.00}, a credit limit of {$5400.00} w/ {$1100.00} cash withdrawal, the automatic payments are no longer listed. Now I dont have an active account and I am allegedly an authorized user on someone elses account because they cant find me w/ my date of birth and social security number. They cant see the running balance or credit limit. Yet I can still enter my date of birth and social security number when calling in before I get a rep on the line. During the first two minutes of the call the general rep ( XXXX ) stated either name was not what was pulled up on this mystery account, the rep flipped shortly after and insisted I have two inactive accounts. On this call I also spoke to a customer security rep. 

Barclays is trying to cover up a mistake if thats whats going on either for myself or another person. If this is a genuine mistake IT and a manager need to physically remove my social security number and date of birth, otherwise they are helping a stranger commit identity theft and credit card fraud. I DID NOT CONSENT TO HAVING THIS ACCOUNT OPENED OR TO BE AN AUTHORIZED USER. Ive put in a dispute w/ experian and frozen my three credit accounts w/ the three companies ( XXXX, XXXX, XXXX ) and Ive done the identitytheft.gov thing. 

Recording :XX/XX/XXXXXXXXXX/XX/XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Financial Protection Bureau Settles with XXXX XXXX XXXX XXXX for Credit Reporting Violations in Connection with Its Auto Loans ( Santander to address the Bureau 's finding that it violated the Fair Credit Reporting Act ( FCRA ). The consent order was issued in connection with XXXX providing erroneous consumer loan data to consumer reporting agencies ( CRAs ). XXXX, a subsidiary of XXXX XXXX XXXX, is a leadina originator and servicer of nonprime auto loans and leases. XXXX furnishes credit information on the auto loans it services by sending monthly data files to CRAs. 
The Bureau found that the consumer loan data XXXX furnished to CRAs between XX/XX/XXXX and XX/XX/XXXX contained many systemic errors that in many instances, could have negatively impacted consumers ' credit scores and access to credit. The consent order requires XXXX to take certain steps to prevent future violations and imposes a {$4700.00} civil money penalt How to delete a negative XXXX car
Product: Credit reporting, credit repair services, or other personal consumer reports

Somebody has my information and has used it to open several accounts in my name and inquiries in an attempt to open more accounts. I have not given anyone my permission to use my information and all of these accounts are fraudulent. I have provided the credit bureaus and the creditors a copy of my Police Report iD and social security card to verify my Identity. The credit Bureaus still continue to report these fraudulent accounts. XXXX acc # XXXX was opened XXXX XXXX for {$11000.00}. Two accounts with XXXX XXXX opened XX/XX/XXXX and XX/XX/XXXX acc #  XXXX for {$3000.00}. & # XXXX for {$99.00}. XXXX XXXX XXXX XXXX # XXXX opened XX/XX/XXXX for {$920.00}. Two accounts with XXXX XXXX which is a collection company for XXXX XXXX XXXX acc # XXXX opened XX/XX/XXXX for {$1000.00}. & # XXXXopened XX/XX/XXXX for {$660.00}. XXXX XXXX a collection company for XXXX XXXX XXXX XXXX XXXX  acc # XXXX opened XX/XX/XXXX for {$41.00}. There are also a number of inquiries that were made two to XXXX XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX ; XXXX on XX/XX/XXXX ; XXXX on XX/XX/XXXX ; XXXX XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX ; XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX ; XXXX XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX on XX/XX/XXXX ; XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX on XX/XX/XXXX ; XXXX  XXXX on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX will not allow me to dispute this item that is now " Paid '' due to constant issues with them deleting the account history status that is recorded monthly since opening account of which caused a 'LOWER '' scoring model to be used on my credit report. It is showing " Missing Status History '' Currently but has been " Paid '' on XX/XX/2023.
Product: Debt collection

An account that is already expired, is transferred constantly to other collection agencies. This is the third collection agency to contact me. A previous agencies have been told they do not have economic resources and I am a person of XXXX years old. This situation causes me complications with my health.
Product: Debt collection

I am XXXX and was waiting for XXXX to pay their part on the medical bills so I got behind on my bills. I wanted to pay off the bills so I called and was charged XXXX this was on XX/XX/XXXX. This was the total I owed so I paid it. 

Got a letter XX/XX/XXXX, saying I was behind on a bill fro XXXX so I paid it. 

Now come to find out that bill was from XXXX XXXX, and had been paid in the XXXX I paid and now they will not return my money. 

The billing office is hateful and condescending and just try and make you mad..They don't know what they are doing and get paid for that They transfer me from one agent to the next al the while saying smart and hateful things. 


One office blames the clinic the clinic blames the billing office.
Product: Credit reporting, credit repair services, or other personal consumer reports

I receievd an alert on my creit report that there was a reported charge. I satisified the debt with the orginal organization XXXX XXXX XXXX on XX/XX/2022. The negative remark showed up on my report on XX/XX/2022. When I called Radius Global Solutions the agent did not try to take my complaint but immediately began to tell me that it will be on their for 7 years and tried to sell me something to have it removed. 

This should have never been on the report and the credit collection company should NOT be selling me something to have it removed or threaten that it will remain for 7 years when it should have never been submitted. I want all credit bureaus updated and this item removed. Their practives of threats to stay on a report for 7 years is highly inapporiate and when disputing something selling a product prior to addessing the concern is bait and switch practive that if i dont buy it stays on my report,
Product: Credit reporting or other personal consumer reports

I am writing to you once again regarding the unauthorized credit inquiries that still appear on my credit report. As a consumer, I am entitled to accurate information reported about me under the Fair Credit Reporting Act ( FCRA ). Despite my previous dispute and my request for an investigation into these inquiries under Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ) of the FCRA, I have yet to receive a satisfactory resolution or sufficient documentation justifying the presence of these inquiries on my credit report. 

Disputed Inquiries : 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 

Legal Basis for the Dispute : Under Section 611 ( 15 U.S.C. 1681i ), you are legally obligated to investigate and correct any inaccurate or incomplete information in my credit report. Failure to correct inaccurate information after an investigation is a direct violation of the FCRA. Additionally, Section 604 ( 15 U.S.C. 1681b ) specifies that credit inquiries may only be made for permissible purposes. The inquiries listed above were not authorized by me and do not serve any permissible purpose under this law.
Product: Debt collection

I have submitted a compliant with this office on XX/XX/2022 about several accounts on my credit report that are inaccurate and not mines. I have sense then checked my credit report and its states the items were verified so I reached out and asked for some information on when where and who were spoken too. I have not received a response I have an account with all three companies and each has different information. Global lending services which says a repossession and on XXXX it states open and on time I request that all unverified items be removed from my credit report immediately this has been more stressful than dealing with XXXX. Which I have been a victim of 2 times causing me to loose pay and have a XXXX and now to top it all off I have inaccurate items on my credit which is affecting me to purchase a home. I also want to complain on the CFBP for not assuring and communicating with me in response to my issues I am owed a fair and accurate credit report by FCRA code 809b and 610a.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is only the owner of the vehcile can apply for an abatement XXXX XXXX says they have here we are 5 months later and they lie they have not as of XX/XX/XXXX per XXXX XXXX XXXX abatement person XXXX # XXXX but XXXX still reported late payments for XXXX to XXXX ruining my credit still saying it is my responsibilty to get abatement it is not the lease was paid off on XX/XX/XXXX i did not own the car inXXXX and they have recd all paperwork several times and several phone calls to fix my crtedit and XXXX says all info is verified wrong look at documents car was returned to XXXX in XXXX onXXXX so how did XXXX verify wrong info look at the documents not my debt fix my credit back to XXXX fico score stop passing the buck stop listening to XXXX  XXXX call XXXX XXXX XXXX to verify XXXX has not applied for an abatement as they have said 4 months ago BUT THEY KEEP ON REPORTING ME LATE ON PAYMENTS ON LEASE THAT WAS PAID OFF IN XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was looking at my credit report and I had unauthorized inquiries that I did not approve or had any knowledge of and it has hindered my credit badly.XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX To Whom It May  Concern : I am writing to formally dispute and request the removal of unauthorized hard inquiries on my credit report, which were made without permissible purpose, and in validation of my rights as a consumer, these inquiries have adversely impacted my credit report. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Full name : XXXX XXXX XXXX XXXX of birth : XX/XX/XXXX Last 4 of social security number : XXXX Unauthorized hard inquiry details : ( organizations with inquiry dates ) 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

In the years of XX/XX/XXXX-XX/XX/XXXXsome stole my identity and proceeded to get credit cards taken out under my name. I was unaware until I started to receive calls about money I owed. At this point I check my credit report and found many cards and accounts opened that I never applied for. Next, I went and filed a police report and signed an affidavit stating the charges made under my social number were not mine. The police report is dated XX/XX/XXXX and XX/XX/XXXX case number XXXX ; Agency ID XXXX. If this point I reach out to all the companies that were not my accounts and got letters stating the debits would be removed and I would not longer be bothered. Just to name some of the other accounts that were Identity theft account XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, and XXXX XXXX. All the accounts were closed and never heard from again except for XXXX XXXX   this account was never closed and marked as identify theft since every year since XX/XX/XXXX I have received a call from a lawyers office stating I owe the money and that a judgement is being filed against me. I proceed to send them Police report, Signed Affidavit and letter from XXXX stating they have removed the debt. Normally they say OK and sorry to have bothered you. But now I have another company threating me again saying they have all information and yet are still going to proceed with the judgement so for 17 years I have been harassed by these companies due to XXXX  not standing by the letter they sent us and keep selling off a debt I do not owe. Also I would like to note that when this was all happening my personal information the credit report companies have a lot of misinformation such as wrong birth dated, wrong mailing address, and said I was married and at the time I was not and never had been. At this point I am not sure what needs to be done since I have done everything I was told to do and yet nothing has changed. And finally I have never received an email or letter saying I owe a bill.
Product: Credit reporting

XXXX alerted me to a change in my credit report. When looking into this, I noticed I had several hard inquires that were removed from my credit report get added back on.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an unknown social security in my file and a lot of credit inquires for a car loan using this SS # and some of my information. It looks like a Dealer mixed up information and somehow tagged my account with this social security of another person- fraud? 
I have tried repeatedly to correct this and everyone says they can do nothing about it? 
the last four digits are XXXX and who is this?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed numerous complaints with   XXXX   XXXX   regarding fraud on my credit report.  XXXX  has reported a charge off on a credit card that I never signed up to be a joint owner on. I requested proof or any kind of validation records showing my identity and  XXXX  has been unable to provide anything to me. They have disregarded my request and continued to report this error. I filed an ID theft report and submitted it to all   XXXX    credit reporting agencies and   XXXX   has neither answered the request, nor have they deleted the error from my report.     To my knowledge, I have done everything on my end ( including a fraud alert placement  ) to keep my self protected. the last stated balanced amount owed is  XXXX .  XXXX  has stalled the investigation process by simply continuing to ask me to send in more information to prove my identity.  XXXX  should have my identity information if proper channels were followed to open a credit card in my name.     The credit reporting agencies only give me a standard computerized generated response. I can tell that there is not a live person looking into my complaint.
Product: Credit card

I purchased a done for you ecommerce service for {$17000.00} and split the bill across two cards from US bank and before they even got my return documents, which i mailed they closed it and reversed the credit. This is the amount of money that could bankrupt someone it is a lot of money it could take me years to pay off but i was scammed and frauded and they are not honoring their commitment to reverse the charge. I am extremely upset with them this is a really bad thing to do to someone they lied, I was conned and scammed and they are not honoring my claim
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding a hard credit inquiry conducted by XXXX XXXX XXXX XXXX on my credit report. The information provided on the TransUnion report was invalid, specifically the *phone number listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX When I called this number, a lady answered and claimed it was her personal cell phone and that she had no affiliation with this or any other bank. She sounded genuinely concerned. 

After hours of failed attempts, I finally received a call from the bank ( XXXX XXXX, ID # XXXX ) from XXXX. I was informed that as a normal procedure, they conduct a hard credit inquiry on every HELOC once a year. I explained that this was incorrect and that all hard credit inquiries require my explicit authorization. The representative stated that they have the right to do this whenever they want. After requesting to speak with a manager, the same teller returned and informed me that this was a known issue, and my HELOC was closed. They assured me that the hard credit inquiry would be deleted, stating they are only deleting it because my HELOC is closed ( which it is not ), raising another concerning issue. 

This bank is providing misinformation and affecting my credit report, as well as reporting an incorrect phone number on their TransUnion hard credit inquiry. I am extremely concerned not only for my credit but for other members as well. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Feel free to adjust any details as needed! If theres anything else you need, just let me know.
Product: Credit reporting or other personal consumer reports

I disputed XXXX accounts on my credit report and requested verification from XXXX XXXX XXXX XXXX XXXX I asked for the binding contract signed between myself and the creditor, showing that it was my account, and the transactions made on behalf of the account. Additionally, I requested any documents that XXXX XXXX sent to Equifax regarding the account. I also asked for information about the department and the representative at XXXX XXXX who communicated with Equifax regarding this dispute. Furthermore, I requested documents and an explanation of their policy and procedure for disputes and investigations within a timely manner and if they could not provide this information to remove it off of my credit report. 

After 30 days, I received an email stating that the dispute was investigated and found to be correct. They didn't send none of the information i requested but stated if I didn't agree I could dispute it again.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : 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.
Product: Checking or savings account

After opening an account at Capital One I requested equal access for my disability. I was told the disabled had to wait 20 days by XXXX, XXXX and XXXX managers at Capital One. All 3 persons hung up on me saying the bank would decide my disability and the bank would decide the accommodation under the ADA. They refused to take any information about my disability for an appropriate accommodation.
Product: Checking or savings account

On or about XX/XX/year>, I discovered that my Chase debit card was missing. Upon logging into my online account, I was astounded to find numerous unauthorized transactions, comprising multiple large ATM and debit transactions, originating from XX/XX/year>, through XX/XX/year>. To prevent further fraudulent activity, I promptly blocked my Chase debit card through my online account. Subsequently, I contacted Chase customer service to report the loss or theft of my card and also informed them that the PIN number was written on the back of the missing debit card. 
I also confirmed that the most recent authorized transaction was on XX/XX/year>, for gasoline, which declined. Immediately after, Chase notified me via email asking me to confirm if I authorized the transaction. I promptly responded affirmatively, and I was able to retry the transaction successfully around XXXX XXXX  on XX/XX/year>. I have included a screenshot of the relevant email for your reference. The unauthorized transactions started to occur the following day on XXXX XXXX. Claim was filed on XX/XX/year> for all XXXX unauthorized transactions. 
Two days after filing my claim, I received multiple letters from Chase on XXXX XXXX & XXXX XXXX informing me that my claim had been denied but I received provisional credit for only one of the ATM transactions. I contacted Chase claims department on XX/XX/year> to inquire as to why my claim was denied, I was informed it was due to two reasons : the main one being the PIN number being written on the back of the card and the second one is inability of Chase to validate if the transactions were unauthorized. However, I find these reasons untenable, as I did not give my debit card to another individual nor did I authorize any of the disputed transactions. Chase didnt send me any fraud email or text alerts in regard to the disputed transactions. Simply because my PIN number was written on the card does not absolve Chase from the responsibility of reversing these unauthorized transactions. This constitutes a clear violation of my rights as a consumer. I promptly reported these transactions and also took proactive measures, such as blocking my card, to minimize potential losses. 

This is amounts for all XXXX unauthorized transactions that occurred from XXXX XXXX XXXX XXXX totaling {$12000.00} ; {$500.00}, {$400.00}, {$1900.00}, {$400.00}, {$2400.00}, {$44.00}, {$700.00}, {$1000.00}, {$1900.00}, {$1200.00}, {$500.00}, {$1400.00} I have included screenshots of the transactions and the letters they sent me. 

There were total of XXXX claims filed. Claim reference numbers : XXXX XXXX XXXX
Product: Student loan

I have mad loan payments to Navient fr 12 years. They were putting at least half of each payment all of these years to interest so balance after 12 years went from XXXX to XXXX. 
I paid back the original amount plus roughly XXXX in interest. 
Just doesnt seem right! 
I just refinanced into a direct loan
Product: Debt collection

To Whom it May Concern : I am in the process of purchasing a new home and recently pulled my credit reports. I was shocked to find that currently reporting is a collection company by the name of Capio for what they are stating is a medical account. I am disputing the validity of this collection and the reporting of it because I do not recognize the debt. I have no recollection of ever having the account. In addition, I have not received a call, text, or email which has furthered my suspicion of this debt that made it onto my credit reports. Due to this collection being erroneously reported to the bureaus, I have been unable to secure credit and it is impacting the approval for my home loan.