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

The hardships I have faced financially due to covid 19, have only been MULTIPLIED and the emotional mental destruction caused by Barclays continual harassment, caused me to miss a deadline for saving my company from losing its physical commercial space, which has only caused loss of income and near demise of my small company. 

Barclays Bank of Delaware is a prime example of large corporations bullying and destroying the one man shops and businesses trying to make a new life and add to their community. I call these bully banks and I find it disgusting how they treated me in my state of emergency. 

XX/XX/2020- I need to double check dates/ I am still recovering from a XXXX I had shortly after this incident. And my memories of this event and others are accurate and sharp, but I get my numbers and dates mixed up due to my XXXX XXXX. Triggered in part by Barclays harassment. 

I was waiting for a call from uber help line to fix my account while I was trying ti get to a meeting with the landlord of my commercial space, as he was threatening to evict my shop from his building during Covid-19 which was illegal in itself and I answered a unknown number assuming it was Uber- it was a woman from Barclays and harassing me about my account and demanding when my payment would be made. And why I couldnt pay her now. I explained the urgency to get off the line so I can get Downtown to save my company from losing its space. And she wouldnt let me off. She continues to talk and harass me until it triggered my XXXX XXXX and caused me to have a XXXX XXXX and I finally got off the phone after telling her how unfair and disgusting it is that they lied about not paying your bill for 2 months wouldnt be a problem yet they still report your account to credit beureu as delinquent which continues to destroy credit scores. This is exactly part of the reason I can not restore my credit. 

But not only that- their harassment that day especially- I did not make it to the Dow town meeting on time. 

Why? Because they ensured I would be late by not letting me use my phone to call uber and get out on time. And then as Im about to get a ride. 

The XXXX calls me three times, and barges in on my apartment. Bc that Barclays had called XXXX on me and made them come harass me and delay me from saving my company from losing my commercial space. Without any help or anything, I didnt make it to save my space. 

I was forced to move out in 36 hours. And since then I have had numerous losses and wasted expenses I can not pay for, I have a destroyed credit score because of them, and I can not get a business loan. I only got one ppp loan and it was not enough to do anything to save my situation. I since then have lost over XXXX in lost income. And the mental emotional damages have nearly cost my life. 

Its unfair. Its disgusting. And its really destroyed my life.
Product: Vehicle loan or lease

XXXX XXXX HAD MY XXXX XXXX STORED ON SANTANDER LOAN XXXX VIA SPEED PAY AND WAS UNABLE TO REMOVE IT AS A RESULT WAS DEBITED 4 TIMES {$620.00} OR {$1500.00} AND CAN NOT GET IT BACK.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX account 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 a account without my written instructions
Product: Debt collection

I've reached out to Transworld multiple times requesting validation of this debt and never received nothing but a settlement agreement in the mail.

Transworld continues to add interests on an account that do not belong to them which causes my credit score to decrease and report inaccurate information.

The representative were rude when I asked to speak with a supervisor and hanging up multiple times.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX. 

Account name : XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : 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 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: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the inaccurate accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$610.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  ) XXXXBalance : {$790.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXBalance XXXX {$730.00} XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX*Balance : {$1400.00} XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX XXXXBalance : {$1300.00} XXXX XXXXXXXX XXXXBalance : {$0.00} XXXX XXXXXXXX XXXX XXXXBalance : {$2100.00} XXXX XXXX*Balance : {$2600.00} XXXX XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXX Balance {$270.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the bureaus several via mail asking to remove these fraudulent accounts. 
XXXX XXXX  # XXXX balance- {$480.00} XXXX Account # XXXX balance- {$580.00} XXXX XXXX Account XXXX XXXX balance- {$990.00} XXXX XXXX # XXXX balance- {$1400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I DEMAND THAT YOU REMOVE ALL THE ATTACHED ITEMS FROM MY CONSUMER REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

experian wont update my scored paid services fcra violations b/c of inaccurate information reporting
Product: Credit reporting or other personal consumer reports

I sent them the police report of the identity theft and they still is not blocking this information to being reported to them. I demand for them to follow the credit laws and block or delete those accounts off my credit report with them. I have already disputed the account just need your help so they do what they suppose to do.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXXXXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile. And in accordance to the Fair Credit Reporting Act, XXXX account # XXXX and # XXXX has violated my rights 15 USC 1681 602 A states i have a right to privacy 15 USC 1681 604 A section 2 states a consumer reporting agency can not furnish an account without my consent If you have any questions or concerns i can be reached at XXXX
Product: Debt collection

Pursuant to FCRA Section 605B it is illegal to report any information on my credit report without my permission. Please remove this item from my credit report.

Additionally, Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.
Product: Bank account or service

Paypal has restricted my virtual payment account and is holding my funds for 180 days. They state that XXXX of my transactions did not follow policy but fail to cite specific text from a user agreement or terms of service. They claim my funds are being held in case of chargebacks or buyer complaints, however I have not received payments to this account over the past 180 days that would warrant the necessity of such coverage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the FCRA, credit bureaus must have a permissible purpose and the consumer 's consent before sharing their credit information with third parties. This consent must be provided in a separate, clear and conspicuous manner, and must be separate from any other agreement or contract. I have not provided them with my express written consent for the credit information in question to be shared with third parties, and therefore, thier reporting of this information is a clear violation of the FCRA.

I would like to bring to your attention the following case law that supports my claim : In Swofford v. Eslinger, the court held that a consumer did not give his express written consent for his credit information to be shared with third parties when the consent was buried within another document and was not clear and conspicuous.

In Hinkle v. Midland Credit Management, the court held that the defendant violated the FCRA by reporting information about the plaintiff 's account without her consent, despite the fact that the plaintiff had not provided her express written consent for the information to be reported. 


Address in question : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX Accounts In question : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Chase calls me and hangs up frequently. The Chase app directed me to call about settlement. I did. They made no offer to waive late fees. Some of fees were charged on payments that were 1 ( one ) day late. When I became unemployed and told them that was all the income I had they want to put the entire amount on a payment plan while not negating any interest or fees. Trying to work it out with them doesnt help when they are not communicative and continue to charge fees and interest.
Product: Checking or savings account

My XXXX opened a small business account with Capital One several years ago on behalf of my company. She only made herself signatory. She passed away in XX/XX/XXXX. I contacted Capital One about changing signatory on XX/XX/XXXX. They told me they could not change the signatory and had to close the account ( sounds ridiculous ) and to send in a bunch of paperwork including death certificate and signatory change forms. On XX/XX/XXXX I had heard nothing, so I contacted them again. They told me to send in all the same paperwork. I heard nothing again and called them on XX/XX/XXXX. They said they couldn't talk to me since I didn't have signatory status and someone would call me. I did get a check on XX/XX/XXXX and sent it to a new bank to open an account. When the new bank presented the check to Capital One on XX/XX/XXXX, Capital One told them to Return to Maker ( for a check Capital One wrote themselves ). I talked to Capital One today and they said they can't talk to me about it and one of three departments XXXX contact me. 

I have been on the phone with Capital One for six to seven hours now and each time the supervisor ( second level support ) tells me there is no one else at a higher level that will talk to the public and there is no one else to call. I have to wait and hope someone from one of three unnamed departments calls me. That was the same promise I got in XXXX. 

I feel like I am out over $ XXXX plus interest and will never see the money due to the run around and broken processes at Capital One. Or maybe they are highly effective processes for stealing people 's money.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, & XXXX continue to report incorrect information even after my repeated attempts to get the information deleted. My name is XXXX XXXX there should be no other names listed. I have previously requested this name change and neither consumer agency complies. My address is XXXX XXXX XXXX XXXX GA XXXX there should be no other addresses listed on my consumer report. The consumer agencies keeps replying that I need to contact various other creditors to have the information removed and that is not correct it is my job to validate or prove the information is correct this jobs lies with the consumer agencies since they are the ones reporting it. Since neither provided me with evidence to prove its correct I have filed arbitration against each consumer agency this is now your notice to pay the filing fees involved in which you will be notified of the proceeding.
Product: Credit card

JP Morgan Chase Headquarters XXXX XXXX XXXX. 
XXXX XXXX, NY XXXX Dear sir, XXXX, XX/XX/XXXX of XXXX, I received this email to my address, XXXX. However, my registered email to your company should be XXXX. Since, yesterday, my attempted transaction at the United States Postal Office addressed XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX ; however, I could not use my Chase credit card and needed to use another bank card. Since I do not use this Chase credit card often because of the chaos of last year which happened by the illegal transactions and replacement of cards, several times, simply I do not use so often this card ; because whenever I chanced the card numbers for the payment, some illegal transaction happened and I needed to change again to another card ; therefore, I just decided not to add this Chase card for the preferred card. Then, after I returned from my work, I realized the email from your company to XXXX  address. At first, honestly, I thought it is fraud or phishing, since I had many phishing mails last year, too. Therefore, I have decided to ask the investigation. When I started to work on this letter, I had some transaction needed to finish online. Then, my transaction with this Chase card was again refused. Therefore, I called your customer service and the woman, who had the dialect of XXXX, asked me something fraud activities, and I told her I could not use my Chase card without any reason, since I did not use at all, and I did not know why I could not. Anyway, at least, she must have unlocked my card and made my card usable. I asked her whether my registered email is XXXX and she said yes. However, I do not remember whether I have registered the financial email addresses to this XXXX addresses. Anyway, since I do not use this Chase card often at this moment, it is fine to keep your company credit card information with this email, but not my husband, which supposed to be managed by himself until his death. The main point is there is no explanation why my card was refused for my transactions after these unbelievable uncountable illegal matters. Therefore, I request official explanation. 
Sincere,
Product: Credit reporting or other personal consumer reports

In XX/XX/year> I froze my credit. I received a confirmation letter from Experian. I needed to unfreeze my credit and attempted to do so via the Experian website. First, it would not let my log in without requesting a credit card report. This mandatory request included providing my social and agreeing to let them send me marketing materials. There was no way to access the other features of the website without signing up for the credit card report. 

Frustrated, I provide my SSN and agreed. Despite providing the confirmation number texted to my phone, the website said it was unable to verify my identity. I called the customer service number provided, but there is no way to speak to a representative. An automated voice said my credit wasn't frozen. I hadn't unfrozen my credit, so this was puzzling to me. But I can't speak with a person to determine what is going on.
Product: Mortgage

In early XX/XX/2021, I paid home appraisal fee to Loan Depot and received loan estimations on XX/XX/XXXX and XX/XX/XXXX with total service cost ( A + B +C ) {$3300.00} and {$3400.00}, respectively. Loan Depot did not close the case without any reason. On XX/XX/2021, Loan Depot sent me another loan estimation with total service cost {$4300.00}. On XX/XX/2021. Loan depot sent me final loan estimation with total service cost {$5200.00}. Loan Depot increased total service fee {$1800.00} without any reason. 
Although I submitted all of required documents at least 7 days before due days, Loan Depot never kept their promise and raised service fee 4 times. 
Due to Loan Depot 's illegal behavior, I decided to apply loan from another company ( XXXX XXXX XXXX ). On XX/XX/2021, XXXX  XXXX XXXX  asked Loan Depot to transfer my home appraisal report ( I have paid fee ). XXXX XXXX XXXX and I have emailed this request 4 times and 3 times, respectively. After 21 days, Loan Depot still did not transfer the report. On XX/XX/2021, Loan Depot manager XXXX XXXX emailed that he had asked Transfers to do the task and would need 3 days. After 15 days of XXXX ' promise, Loan Depot did not fulfill the task. 
I have attached 4 Loan Depot Loan estimation with service fees {$3300.00}, {$3400.00}, {$4300.00}, {$5200.00}
Product: Checking or savings account

Writing to file a complaint against Navy Federal Credit Union. After some investigation and research online, I have heard of several cases wherein overdraft fees were incurred on accounts who initially had the funds readily available, however, once the transactions were cleared, my accounts then stated that there were insufficient funds, leading me to incur a fee. I believe this to be an issue that aligns with the recent CFPB findings. During the time of XXXX - XXXX, I was XXXX XXXX military and stationed overseas and on the east coast, therefore it was more difficult to track these random fees.
Product: Credit reporting or other personal consumer reports

XXXX hard inquiries appeared on my XXXX credit report that I have no knowledge of. One from XXXX XXXX on XX/XX/year> and the other from XXXX on XX/XX/year>.
Product: Debt collection

Im a vet. Went to XXXX XXXX XXXX place 4 years ago. Very XXXX XXXX XXXX. Had just moved to north MS had not transferred primary provider from XXXX to XXXX Ms. VA refused to pay all of emerg room visit. I got bill from hospital and presented bill to VA. I refused to pay part of cost. The partial amount went to collections. Franklin collections payed to get the account. 
What is owed is XXXX. But the collections company has not sent me any documents indicating that the amount owed for debt is any different than the amount that is on all three of my credit reports. The amount that Franknlin collections is trying to collect is XXXX. 
Am I liable for any amount that is not reflected on my credit reports? This amount of XXXX has been reflected on my credit reports for 3 and 1/2 years.

Also, if I pay the amount indicated on my credit reports can Franklin Collections add more to my outstanding amount owed on credit reports? If so then this debt collector can indicate that I owe an outstanding amount ever you time I try and pay each outstanding debt owed on my credit report. An infamous loop to say.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XXXX, XXXX under the account number XXXX, XXXX XXXX  on XX/XX/XXXX under the account number XXXX, XXXX  XXXX on XX/XX/XXXX under the account number XXXX, a lease agreement opened at XXXX XXXX XXXX IN under the account number XXXX, and an auto loan account opened at XXXX XXXX XXXX in XX/XX/XXXX under the account number XXXX accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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, or hard inquiries as reported. 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 Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.