23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I have 5 different CD accounts with Barclays Bank. They have all been funded and have recieved proof of funds being placed into all 5 accounts accounts in the mail from Barclays Bank stating the facts and account information as well as emails from them stating these same facts. Now that one of my CD accounts have reached maturity I would like to transfer the funds to another account as contract states I 'm allowed to and Barclays Bank is not allowing this saying that I am not able to do this because I have not verified deposits into my account. They say the send these test deposits into my accounts but I never actually recieve them resulting in me not ever being able actually to link an external account to Barclays and thus not being able to transfer my funds. They are not allowing me acces to the funds in any of my 5 accounts because of this. Yet they are still using my borrowed funds from all 5 accounts and not allowing me access to my owned accounts and funds. This is illigal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to apply for an account with XXXX ; when the identity verification came up, none of the questions apply to me and I have my Experian credit report to prove it. However, when I called to speak with customer service, they refused to help me. The information contained in my Experian credit report is incorrect and is preventing me from pulling a new credit report with XXXX, XXXX, nor was I able to use XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns about Zelle 's management of disputes, especially in light of the recent lawsuit filed by the CFPB, which has revealed significant issues with the platform. Despite using Zelle multiple times and reporting discrepancies, my financial institution and Zelle have not conducted a thorough investigation into my claims. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The findings from the CFPB indicate that Zelle has not only failed to protect consumers, but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit reporting

Please help! I have been trying to dispute hard inquiries on my credit report that I did not authorize and also XXXX collection accounts that I asked for verification. Below are the dates and number of disputes. I have also tried to call and get help over the phone for the agent to tell me no to every question I had. Also I requested to take a survey however I was hung up on and not connected to the survey. These unauthorized inquires are causing me issues with moving forward in like. 

Confirmation # Status Dispute Date Completion Date Results XXXX COMPLETED XX/XX/XXXX XX/XX/XXXX Mailed XXXX PENDING XX/XX/XXXX XX/XX/XXXX ( Estimated ) - XXXX PENDING XX/XX/XXXX XX/XX/XXXX ( Estimated ) - XXXX PENDING XX/XX/XXXX XX/XX/XXXX ( Estimated ) - XXXX COMPLETED XX/XX/XXXX XX/XX/XXXX Mailed XXXX COMPLETED XX/XX/XXXX XX/XX/XXXX Viewed XXXX PENDING XX/XX/XXXX XX/XX/XXXX ( Estimated ) - XXXX COMPLETED XX/XX/XXXX XX/XX/XXXX Viewed XXXX COMPLETED XX/XX/XXXX XX/XX/XXXX Mailed XXXX COMPLETED XX/XX/XXXX XX/XX/XXXX Expired
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed these fraudulent inquiries on my XXXX and XXXX credit reports and I've disputed them several times with the companies and XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent inquiries immediately, thank you. 

Hard Inquiry Date Credco XX/XX/XXXX Credco XX/XX/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: Credit reporting, credit repair services, or other personal consumer reports

My payment was made out on the XXXX and I haven't received it they said that there's fraud on my name I'm not understanding what I need to do and I'm not seeming to get the right help I need my information is not the same because I can't get into my account so let me somebody is doing fraud on my name please help thank you
Product: Credit card

On or about XX/XX/XXXX, I received a bill from Comenity Capital Bank regarding my credit account for Dell Computers. The bill was for payment for my account ending in XXXX. Not aware of any balance on that account, I inquired with Comenity, who referred me to Dell customer support. I spoke to Dell customer support representative XXXX XXXX XX/XX/XXXX, she agreed to cancel the service subscription & reverse the charge of {$120.00} for the subscription made in XX/XX/XXXX, that the Comenity Capital Bank credit card were trying to collect for. XXXX sent me XXXX emails ( attached to this complaint ) to confirm our conversation while also speaking with her manager during our call to confirm the reversal of charges by her manager. Since that time Comenity Capital Bank claims they have no knowledge of the charge reversal and the charge made in XXXX was appropriate and is not fraud ( fraud request & closure letters from Comenity attached ). As such, Comenity continues to charge my account interest and penalties for not paying for a service that I did not request and was cancelled without ever being used. In addition, Comenity is now reporting to the credit bureaus that I have a delinquent account. I have spoken to many representatives from Comenity Capital Bank collectively totaling approximately XXXX hours on the phone with various people from the bank and can get nowhere ; they refer me back to Dell customer care insisting I have to resolve the matter with Dell ; Dell has addresses the issue as described above and refers me back to Comenity. I have repeatedly called Dell customer support several times after my calls to Comenity and they reconfirmed the subscription is cancelled, can not be reactivated, and that the charges should have been reversed as a result of the cancellation. Since that time I have pursued a resolution through the XXXX XXXX XXXX to no avail. Comenity responded to the XXXX complaint on XX/XX/XXXX, ( response letter attached ) indicating there is no evidence of a cancellation of the subscription and declined to reverse the charges, despite the fact that I provided them XXXX separate emails from Dell customer support confirming the subscription cancellation. So, my complaint in brief is that I was promised a reversal of charges for a service that I did not request, I no longer have, nor did I have accessthat service, but the creditor insists I owe them the money for it regardless. So, I'm being asked to pay for a service I never used, can't use, and was promised a reversal of charges for by the originator of the charges ( Dell Computers ). In the meantime, my credit score has taken a significant hit from Comenity reporting delinquent /late payment for this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX  XXXX XXXX Balance : {$120.00} ; XXXX XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/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 XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Fraudulent Auto Account : Following the breach, a fraudulent auto account was opened in my name. I did not authorize this account, and it is a clear case of identity theft resulting from the XXXX data breach. 
Negligence in Addressing the Issue : Despite multiple attempts to resolve this issue with XXXX, the fraudulent account remains on my credit report. XXXX has been negligent in removing or updating this account, causing significant distress and potential financial harm to me. 

Fraudulent Auto Account : Following the breach, a fraudulent auto account was opened in my name. I did not authorize this account, and it is a clear case of identity theft resulting from the XXXX data breach. 
Negligence in Addressing the Issue : Despite multiple attempts to resolve this issue with XXXX, the fraudulent account remains on my credit report. XXXX has been negligent in removing or updating this account, causing significant distress and financial harm to me.

The presence of this fraudulent account has negatively impacted my credit score.

I have spent considerable time and resources attempting to resolve this issue without success.

The ongoing presence of this account poses a risk to my financial stability and future creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX {$670.00} XXXX XXXX XXXX # XXXX {$790.00} XXXX XXXX XXXX # XXXX {$1600.00} has violated my rights 15. U.S.C 1681 section 602 A. states i have a right to privacy.

15 U.S.C 1681 section 604 section 2 : its also states a consumer reporting agency can not furnish an account without my written instruction.

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 1681 section 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: Consumer Loan

On XXXX/XXXX/XXXX I got notice of a new hard inquiry on my credit report. I checked & it was from XXXX XXXX in XXXX. I called them to inquire & the young lady told me over the phone ( after verifying my social & name & address ) that it was regarding the personal loan I took out in XXXX XXXX. I have not applied for any loans nor have I stepped foot in this place since XX/XX/XXXX, when I had a auto loan with them. Since XX/XX/XXXX everything has been closed. So I began to ask question & asked to speak to the manager. The manager XXXX reputedly hung up on me when I asked questions & said speak to my lawyer but would not give me his lawyers info. Now every time I call they hang up on me when I identify myself.
Product: Credit reporting

I mailed 2 certified letters to the University XXXX asking them to verify that the debt is mine. One was mailed XXXX XXXX, 2016 and one on XXXX XXXX, 2016. It 's been over 60 days and I have not received verification that this debt is mine. Per the FCRA law, they had 30 days to both mark it as disputed on my credit report and send verification. They broke the law but not responding and I want it deleted off of all XXXX of my credit reports.
Product: Credit card or prepaid card

I have been a loyal capital one customer going on 6 years I have two credit cards with them I applied for an increase on XXXX rewards card in XXXX on 2022 and I got denied citing reasons of low credit utilization and that I had a recent returned payment on that card but it was due to mistake ordering online so I shouldnt be punished for that if I got approved for an increase I would spend more money at XXXX on a monthly bases Im asking that my XXXX rewards card ending in XXXX gets reconsidered for an increase to {$3000.00} also today I applied for a credit limit increase and got denied again for my capital one quick silver card because my credit utilization is too low the only reason its low is because once again my credit limit isnt high enough to spend what I would like to spend on a monthly basis if I got approved for more I would spend more thats why Im requesting an increase and I also dont know why Im being punished for paying card balances on time I thought capital one would reward me by increasing my limits so I can spend more I wish to have my quick silver ending in XXXX to be increased to {$5000.00}
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. 

Account Name : XXXX  XXXX  Account XXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX  Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

On XX/XX/2023, at approximately XXXX Pacific Time, I tried adding myself as a secondary account holder to XXXX CDs that my husband recently open with Capital One. I first tried completing the process online, but was given an error message and told to call Capital One. I called Capital One and spent nearly XXXX hours on the phone ( XXXX minutes to be exact! ). During the course of that call, I was transferred to a different representative 3 times. I completed the profile verification of my and my husband 's information 3 times. And in the end, it took talking to a supervisor before I was able to be added as a secondary account holder to XXXX of the CDs. The supervisor was unable to add me to the other CD. I was told that in order to complete the process, he would need to transfer me to customer service again.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. These account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX. XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX ACCT # XXXX BEING CHARGED DOUBLE ON MY CREDIT WITH THIS ACCOUNT AND THE COLLECTION ACCOUNT XXXX. XXXX XXXX ACCT # XXXX 15 USC 1681 SECTION 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c ( a ) ( 5 ) any other adverse item of information, other than records of convictions of crimes which antedates the person shall not furnish information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

My mortgage was sold from XXXX to Mr. Cooper XX/XX/2017 I have since received several notification mail requesting proof of Hazard insurance. 

I have provided insurance proof and a representative from Mr. Cooper 's Insurance dept. has confirm receipt over the phone. But they are now requesting proof of insurance that covers the inside of my house and if I do not provide proof they are going to buy it for me and add it to my mortgage payment. 

Not exactly sure of what type of insurance Mr. Cooper was referring to I requested they call my insurance agent. I spoke with my insurance agent shortly afterwards.. he said they are requiring insurance for my personal property..he asked why do they care if i carry personal property insurance and what does it have to do with the mortgage..at which time he says Mr. Cooper hung up. I have nothing of my personal property worth insuring and have never before had to provide this info to a mortgage company. Is this legal? I have until XX/XX/XXXX. 

thank you
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  TX XXXX RE : Update personal information Dear Credit Bureau, I am writing to ensure you have the most accurate information in my credit file at all times. I have highlighted the items below that are inaccurate and shall be removed from my credit report as soon as possible please. 

Please delete the follow inaccurate names : 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 Please delete the follow inaccurate addresses : XXXX XXXX XXXX XXXX FL XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. 
XXXX XXXX XXXX XXXX XXXX FL XXXX. 
XXXX XXXX XXXX XXXX XXXX TX XXXX. 


Please delete the following invalid phone numbers XXXX XXXX Please delete the following inaccurate employers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am filling this consumer complaint and consumer check for compliance these particular items that you are reporting under FACTA Title 1 sec. 151. I have enclosed copies of my state issued identification and social security number to validate my identity. 


Regards XXXX XXXX
Product: Mortgage

I called and asked to have mortgage assistance paperwork sent to me, never received it. There is a legal name change pending on my online mortgage account, preventing me from submitting the hardship request and i did not request this. I was also never served with foreclosure papers. There is a house XXXX block away with the address of XXXX XXXX XXXX XXXX which is very similar to mine who our mail gets delivered to often. There is a sheriff sale for XXXX and i would like it postponed due to the complications related to this so i have a little more time to complete the mortgage assistance paperwork,
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint to follow up my previous caomplaint submit4ed on XX/XX/2022 regaring the removal of the Fraudulent information from my Credit report. I was frustarted to see that the Credit Bureaus have done nothing to helpe a consuemr in need! I am planning to pursue legal action against the Credit Bureaus if they decide so still not pay heed to my requests and continue reporting the diputed fraudulent items on my Credit File without proper verification. I have read enough to understand my rights which is clearly being violated by the Credit Bureaus. Let me remind the Credit Bureaus that they are obliged to comply with the FCRA section 605b if they can not prove that the items do belong to me by providing documents signed by me. I would greatly appreciate it if the Credit Bureaus can remove the following items at the earliest possible time : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AV XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX Balance Owed : {$130.00} XXXX XXXX Balance Owed : {$980.00} XXXX XXXX XXXX XXXX Balance Owed : {$51.00} XXXX XXXX XXXX XXXX Balance Owed : {$70.00} XXXX XXXX Balance Owed : {$170.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I see a hard inquiry on my account that I did not do nor recognize from CAPITAL ONE BANK XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to all 3 credit bureaus ( XXXX, TransUnion and XXXX  ) on XXXX. As of today I have not received any response from XXXX  or XXXX. 
Under Federal Law ( Fair Credit Report Act ) the credit bureaus are required to complete a re-investigation within 30-45 days. XXXX  and XXXX have failed to respond in a timely manner to my requests and while I did receive a response from TransUnion, they did not resolve all of my issues.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Attn : Customer Service XXXX XXXX XXXX XXXX XXXX, NV XXXX Dear XXXX XXXXXXXX XXXX XXXX , I hope this letter finds you well. I am writing to bring to your attention an update that needs to be reflected on my credit report with Experian. According to the latest information on my credit report, a new account has been reported by XXXX XXXX XXXX XXXX, and I appreciate your efforts in keeping my credit history accurate. 

However, there seems to be a discrepancy in the reported balance. As of the latest statement, the outstanding balance on my account is {$62.00}, but my credit report currently reflects a different figure. To ensure the accuracy of my credit information, I kindly request that you update the reported balance on my Experian credit file to accurately reflect the current status of my account. 

Here are the details for your reference : Source : Experian Company : XXXX XXXXXXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, NV XXXX Phone : ( XXXX ) XXXX Balance : {$300.00} I understand that occasional discrepancies may occur, and I appreciate your prompt attention to this matter. Please update my credit file at your earliest convenience and confirm the resolution of this issue. If you require any additional information or documentation to process this request, please do not hesitate to contact me. 

Thank you for your cooperation in maintaining the accuracy of my credit information. I look forward to your prompt resolution of this matter.
Product: Credit reporting or other personal consumer reports

Account Information : Creditor : Midland Credit Account Number : XXXX Account Number : XXXX Complaint : I am writing regarding the Midland Credit account XXXX above. Please note that I am not disputing this account. However, I am requesting that Midland Credit provide a written response to clarify the following specific information associated with this account : First Date of Delinquency Date of Last Payment Date of Charge-Off This information is critical for my personal records and financial planning. Additionally, if Midland Credit can not provide a response to these requests in writing, I respectfully ask that the account be removed from my credit report, as its presence is causing financial injury by adversely affecting my creditworthiness.