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

Barclays XXXX XXXX XXXX XXXX XXXX XXXX XXXX of money being moved in and out of my XXXX account, reported by me on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
My reports were ignored, minimized and were reported by the account managers as part of their incentive program. 
On XX/XX/XXXX four separate unidentified payments seen as purchases were charged to my account. This happened 5 days after my accounts auto payment, these funds took my account over its allowable limit. They automatically reported a delinquent payment and overage of credit limit, this in turn dropped my credit score by XXXX points. The reduction of credit score, overage and delinquency triggered my oldest credit account of 27 years to lower my credit limit by XXXX which again lowered my credit score. Ive spent hours and hours on the phone trying to remedy their accounting mistakes, they don't have any clue where the money has come from nor why its moved in and out of my account, they have no resolution to destroying my credit and limiting my buying XXXX ( Im a small business owner and use my credit to float my company ) On XX/XX/XXXX XXXX Unauthorized Credit was credited to my account I called and informed account manager of discrepancy informed it was not incorrect, asked for any future unauthorized credits to be flagged and that I be contacted. 

On XX/XX/XXXX XXXX Unauthorized Credit was credited to my account I called and informed account manager of discrepancy informed it was not to be worried about sir it is only our reward program. I asked that no unauthorized action be taken on my account. 

On XX/XX/XXXX XXXX Unauthorized Credit was credited to my account I again called and informed account manager of the discrepancy and asked for a letter stating the reason the money was being credited. 

On XX/XX/XXXX XXXX Unauthorized Credit was credited to my account I was unable to call On XX/XX/XXXX My account was debited the minimum payment of XXXX and was reported as current with the next required payment due XX/XX/XXXX. By XX/XX/XXXX XXXX of unauthorized transactions were placed on the account it was reported as delinquent and over my limit of XXXX. 

XXXX XXXX I received separate letters stating approximately XXXX dollars had been charged to my account of which the numbers again didnt match. 

As of XX/XX/XXXX unauthorized amounts are still going in and out of my account. I have frozen the account and pulled all modes of payment until they are forced to acknowledge and rectify. 



I am exhausted and disillusioned after countless hours on the phone dedicated to resolving this with the Barclays staff and account managers, and have hit a limit of their ability or willingness to do anything. I beg for your guidance or assistance.
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. 


FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

They keep calling me after I told the person calling to stop and they said no you owe this debt and we want our money it got so bad I had to change my cell phone number
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the creditors for them to remove these accounts. NO COMPLY
Product: Payday loan, title loan, or personal loan

I applied for loan on line with XXXX XXXX  XXXX  XXXX XXXX XXXX Thinking I was getting a loan from a bank I got an email a few weeks later stating the bank had sold the loan to Net Credit at a 99.4 % interest rate.
Product: Student loan

In XX/XX/2017 XXXX XXXX XXXX ( XXXX ) contacted me about my parent/ child student loan, at the time my balance was XXXX, which was thru XXXX XXXX. I was paying them on time each month never had a problem with them. XXXX told me they could refinance my loan, my overall payments would be 3 years at XXXX per month for a total of XXXX and the rest would be forgiven. In XXXX. I received paper work from XXXX, who informed me that they had taken over my loan, and they said my first payment was due in two weeks. and my payments would start at XXXX and rise to XXXX. I was so hurt. I cant believe people are taking advantage of the public like this. Something needs to be done. Help us.
Product: Credit card or prepaid card

Discover card would not help me with a merchant contractor XXXX XXXX who overcharge my discover card for {$1100.00}. The original charges should have equaled {$6000.00} for a roof extension and they broke the charges up by putting my discover card account number on their computer system and charged my account totally {$7100.00}. This was a capitol improvement so there was not tax charged on the project. The company refused to finish the job also leaving bent poles, garbage in the yard, and not installing the soffits that was part of the job. They also opened the walls and left asbestos exposed and they would not seal it up. They also left sharp pieces of metal hanging on the wall randomly down the roofing area dangling. The merchant did not file the permits to do the job, so I am also stuck with issues of getting a Certificate of Occupancy for the job. They are legally responsible and led me to believe that they did their job but they did not.

I asked discover to step in since I am protected from services performed that are charged on my credit card. I asked them to dispute the original down payment of {$1500.00} so that I could hire someone to finish the job and try to work out permits for the CO. XXXX XXXX  stole {$1100.00} from my Discover account and never finished the job. 

I thought I was being fair by asking for {$1500.00}. I could have disputed the whole amount. The work they did is subpar, and they stole money from me. The extra money was unwarranted and not authorized. 

This has been going on since XXXX of XXXX and Discover card rejected my dispute and wont even take the stolen money back from XXXX XXXX. They told me the only way they would refund me is if XXXX XXXX authorized giving me back the money they stole from me. 

I am asking for your help because Discover is protecting this merchant and not my rights. 

It is a shame because I opened my Discover account in XXXX 32 years ago and they would protect one of their merchants over my right under the rules for unsatisfied service clause in the credit laws of XXXX.
Product: Checking or savings account

Hello, My Milli bank Account got closed, And I asked why it was closed no specific reason, Then they held my money for few months before deciding to send my cashier check, They tried mailing me the cashier check in few times which it was refunded caused I relocated from my old address, After my name Was added to a po box I reach out to them to mail me my cashier check of the balance, And they told me that the check wont be sent again and it would be remitted to the State of Texas unclaimed property
Product: Credit card

I filed a complaint with cash app. Are there any updates on my stolen funds from account. # XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I purchased jewelry from Zales in the amount of {$1400.00}. Zales sold me the jewelry on a 12 month interest free promotion. I was willing to pay cash but the sales person sold me on the promotion as " free money '' and pushed me to open up a Zales credit card account. It wasn't clear to me that the promotional credit contract ( Comenity Bank ) I was signing was separate from the credit agreement I was signing with Zales. 
I received monthly bills from Zales, indicating that payments were due by the XXXX of the month. On XX/XX/XXXX, I made my first payment of {$120.00}, and continued making 11 additional payments of {$120.00} each delivered by the XXXX of month, the final payment was received on XX/XX/XXXX ; for a total amount paid of {$1400.00}. 
On approximately XX/XX/XXXX, I received a bill from Zales with a promo interest adjustment of + {$260.00} and a new balance of {$260.00}. 
To my surprise, I was being back billed for accrued interest because I didn't payoff the original purchase amount by XX/XX/XXXX. 
I was using the due date and billing cycle on the credit card bill.. .to make the payments which were " out of sync '' with the 12 month promotional payments due date. This resulted in my final payment of {$120.00} arriving on XXXX days past the promotion end.
Product: Credit reporting or other personal consumer reports

I obtained a copy of my consumer report and notified these agencies multiple times, specifically on XX/XX/2024 the most recent, about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of Truth to further substantiate my claim.

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record! 

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point. 

I have suffered emotional distress as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done
Product: Money transfer, virtual currency, or money service

Mr. XXXX XXXX from BNY Mellon Investment management cashed my $ XXXX- Check from XXXX XXXX , with my deposit form on XX/XX/2020. But he refused to mail me my acct. Fund 's new detail Statement, and repeatedly to asking me to sign distribution request form with medallion signature guarantee. 

Despite he got my distribution form with my signature guaranteed by XXXX XXXX XXXX manager in 3 years ago, as to donate it to XXXX XXXX XXXX XXXX checking acct. at XXXX XXXX and XXXX XXXX indeed did it for 3 years already. 

Please ordered Mr. XXXX to mail me my acct Fund 's new detail statement at once, and stop to discriminated me as a multiple XXXX, elderly, XXXX, XXXX. Thanks!
Product: Credit reporting or other personal consumer reports

XXXX  XXXX XXXX credit card XXXX XXXX XXXX XXXX. Statement was not received for XXXX because mail was vandalized at subdivision mailbox. No coourtesy call was made like XXXX  XXXX XXXX said they do. I have had this card for several years and never been late. The balance was {$120.00}. When we realized we had not received statement we immediately paid balance in full. I immediately called XXXX  XXXX XXXX and spoke to customer service, they informed me they would reverse the late pay and restore my original credit limit. They told me I have been customer for 20 years and never had late pay. There have been a lot of vandalism in our area and mail being stolen. Please update my credit report asap as I work very hard to keep my credit above XXXX, thanks XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed over and over the account listed under XXXX  XXXX it shows a balance of {$3100.00}. The phone numbers, address, everything are non working for this creditor. There is no validation of debt under article 1 and 2. Ive asked XXXX XXXX, and equifax to delete this account but they still keep reporting it. There is no success in getting in touch with the creditor either. The phone number listed is non working and so is the address.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Bank XX/XX/XXXX XXXX XXXX I am a victim of identity theft. On XX/XX/XXXX someone fraudulently used my information without my knowledge or permission. I have contacted credit one but they are not wanting to change anything. 

XXXX XX/XX/XXXX XXXX XXXX I am a victim of identity theft. On XX/XX/XXXX someone fraudulently used my information. I do not recognize nor have I applied for anything with this lender. They claim to have done an investigation but I have yet to hear anything back. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX I am a victim of identity theft. On XX/XX/XXXX my information was fraudulently used without my knowledge or permission. I have tried numerous times to contact XXXX XXXX XXXX but I have not been able reach anyone and the hold times are ridiculous. 

XXXX XXXX XXXX XXXX XX/XX/XXXX Hard Inquiry I am a victim of identity theft. On XX/XX/XXXX my information was fraudulently used without my knowledge or permission. I spoke with a rep named XXXX who told me that they would not be willing to change their reporting. 

XXXX XXXX XX/XX/XXXX XXXX XXXX I am a victim of identity theft. On XX/XX/XXXX my information was fraudulently used without my knowledge or permission. I spoke with 2 different reps about 3 weeks apart from each other ; yet each time I've been told that someone would be getting back with me in which case they have yet to do so. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX I am a victim of identity theft. On XX/XX/XXXX my information was fraudulently used without my knowledge or permission. The hold times are ridiculous. 

XXXX XXXX XXXX XX/XX/XXXX Hard Inquiry I am a victim of identity theft. On XX/XX/XXXX someone fraudulently used my information. I do not recognize nor have I applied for anything with this lender. They claim to have done an investigation but I have yet to hear anything back. 

XXXX XXXX XX/XX/XXXX Hard Inquiry I am a victim of identity theft. On XX/XX/XXXX someone fraudulently used my information. I have never even applied for this account. XXXX XXXX will not change their reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Hard Inquiry I am a victim of identity theft. On XX/XX/XXXX someone fraudulently used my information. I do not recognize nor have I applied for anything with this lender. They claim to have done an investigation but I have yet to hear anything back. 

XXXX XX/XX/XXXX XXXX XXXX I am a victim of identity theft. On XX/XX/XXXX someone fraudulently used my information. I have never applied for anything with this lender. I keep getting the run around when trying to effectively communicate. They aren't willing to work with me.
Product: Debt collection

Company LVNV Funding is attempting to collect a debt that was discharged in bankruptcy back in XXXX
Product: Credit reporting or other personal consumer reports

I was a resident at the XXXX XXXX apartments from XX/XX/XXXX until XXXX XXXX. Due to my place being flooded and also due to constance maintenance issues at the apartment. 
My address was XXXX XXXX XXXX XXXX XXXX OH XXXX. I was constantly having maintenance issues, and constantly sending over request which sometimes took up to XXXX months to fix. I would come home and find the maintenance people in my home unannounced. The place was fully carpeted and I would come home to Mud tracked through the apartment. I have attached photos and I have attached documentation of these issues. On XXXX XXXX, XXXX I get a call that pipes in my unit had burst and there is water everywhere. I was not at home, but quickly arrived back to see the damage and it was bad. ( see pictures ), The place was not liveable not only was the ceiling hanging they had cut huge holes in the walls and cold air was blurring in my apartment. They refuse to re locate me to another apartment. I called an attorney to get counseling he advised me to request relocation, they said they had no other open units. Which was not true, I spent about XXXX days with no heat sleeping in my car/airport bathroom, I called code enforcement, he came out and spoke to office manager and he also advised me that It would be sometime before things got corrected, the fumes from the moldy walls began to make me sick and caused shortness of breath. I had to get out of there, the attorney gave them a notice in writing that I would be leaving due to the place being inhabitable. ( letter attached ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I got alert from credit report applied bank was on there, i am unaware of any business being conducted with this company .... 
Not My account
Product: Checking or savings account

I am writing to file a complaint against Wells Fargo for unauthorized account upgrades and excessive fees. 

In XXXX XXXX  Wells Fargo upgraded my savings account to a " Premium '' account without my knowledge or consent. As a result, the bank has charged me a XXXX XXXX monthly service fee for 13 months, totaling {$130.00}. I only recently discovered this issue and immediately went to my local Wells Fargo branch to have my savings account reverted to its original status. 

I raised a complaint with the bank, and they refunded only 2 months ' fees ( {$20.00} ). However, they refused to refund the remaining {$110.00}, which I believe is unfair because I never authorized the upgrade to a Premium account in the first place.
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 XXXX XXXXXXXX has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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

inaccurate information on credit report has not been removed from credit report.
Product: Mortgage

Amerisave : NMLS ID XXXX : Loan Originator : XXXX XXXX XXXX ID XXXX Predatory lending : the loan originator quickly received all information and documentation XX/XX/XXXX and processed an {$500.00}. application fee which I was told by XXXX would be returned to me. Disclosures were provided with inaccurate information which despite numerous attempts ( 6+ ) to have corrected XXXX would not respond to requests. 

Fraudulently re-dated and resubmitted documentation to make it look like documents were outstanding ( Appraisal which as completed on XX/XX/XXXX and then re-dated for XX/XX/XXXX ). Made changes to my homeowners insurance without proper authorization. When questioned he still did not respond. only when a loan processor named XXXX XXXX was involved was I provided with an updated disclosure with more inaccurate information and inflated closing costs and fees without reasoning, then making my monthly payment larger than it currently is. 

When i requested my application be immediately withdrawn because these were not terms which were agreed upon, I was told it would be closed " as soon as they could ' I then received a notice of credit denial stating I was denied for not completing application documents which is not truthful. The termination paperwork should be identified as closed at borrowers request. They did this intentionally to deter future possible lenders. I requested this be corrected 2x and have once again been ignored. 
They have intentionally damaged my credit by multiple had inquires/dragging out the loan process. 

Amerisave does not allow direct customer service contact. emails to XXXX XXXX XXXX go unanswered. Phone calls go to a generic voicemail and do not get returned, or routed directly to the loan originator ( XXXX ) who refuses to correspond or address these issues.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Inaccurate Credit Reporting and Notice of Statutory Damages Dear [ XXXX ] XXXX am writing to formally request that my address be updated in your records to : XXXX XXXX XXXX XXXX, XXXX Additionally , I request that all other addresses currently associated with my credit file that are not accurate or current be removed. These addresses are outdated and no longer relevant to my financial profile. Also I am writing to formally dispute inaccurate information on my credit report that has caused significant harm to my creditworthiness. The CFPB lawsuits against XXXX and XXXX highlight the requirement for credit reporting agencies to ensure the highest level of accuracy in the data they report. As per the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), you are required to maintain complete, accurate, and verifiable information on consumer credit files.

I have identified several errors and inaccuracies on my credit report that have not been properly investigated despite previous disputes. These errors include ( but are not limited to ) : Charged-off accounts * inquiries that are unverifiable or inaccurate. 
Items reported that do not reflect the most accurate information available. 
Specific items : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion : * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Your failure to investigate and correct these inaccuracies is a direct violation of the FCRA and has caused financial harm, including lower credit scores and denial of credit opportunities. According to Section 1681n of the FCRA, I am entitled to statutory damages for your willful noncompliance with the law.