23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I was approved for an Barclays XXXX XXXX XXXX XXXX XXXX on XX/XX/year>. I received the card in the mail later in XXXX and attempted to activate the card on XX/XX/year>. I was unable to activate online and called the Barclays customer service line. I was told that there was potential fraud on my account and it was unable to be opened. Barclays requested that I mail personal information such as a copy of my drivers license to a po box and I declined and said that I would prefer to close the card since it had yet to be used ( note that there were no charges on the card even through there was potential fraud ). I was transferred to the Fraud Protection team who then told me that I could not close the credit card due to the hold and that I would need to provide this same information to close the account. Note that there is a {$99.00} annual fee due and I would still be responsible for this fee even though I could not open or close the account. I am able to receive e-mail, phone, or mail to the addresses provided on the account approval but never received anything from Barclays prior to my call today. I am now at a point where I will have to send confidential information through the mail or fax in order to close an account and not have late fees, etc. for an annual fee. I think this is illegal and there is no reason that I should not be able to close ( or open ) an account when I have provided and am available at any of the approved contact methods.
Product: Credit card or prepaid card

On XX/XX/2023 an unauthorized transaction was made on my account in the amount of {$1600.00}. I was unaware of this transaction until XXXX XXXX. Once I became aware I contacted the card issuer ( My Wisely ) to start a fraud claim. The card issuer stated they would send out a replacement card and fraud paperwork to complete my claim. I received a new card in approximately XXXX days. I contacted the card issuer again on XX/XX/2023 because I had yet to receive any paperwork. The phone representative stated that the paperwork is sent from a different department and usually takes XXXX business days to arrive. I inquired about receiving the paperwork by email and was told that was not an option and I should get it in the mail soon. I was told the dispute process was already underway and could take up to 90 days to complete. On XX/XX/2023 I received a letter stating that " The investigation has been finalized and we've determined that there was no error. No credit will be issued ''.
Product: Debt collection

I XXXX XXXX hereby attach documentation showing proof of a XXXX XXXX XXXX petition filed XX/XX/XXXX, and completed with disbursements XX/XX/XXXX. My husband and I successfully completed our XXXX XXXX  and adhered to every instruction of the trustee of our case. However, several of my previous creditors that I had prior to the original filing in XXXX have maintained an ongoing record of the account in question, and in some cases passed my personal information onto debt collectors or buyers in violation of the Fair Debt Collection Practices Act. I hereby demand that any information pertaining to XXXX XXXX be purged immediately and permanently. I also request the Consumer Financial Protection Bureau to levy fines against these creditors and/or debt buyers for the violation of an American consumers constitutional rights. The transfer of my personal information while XXXX was either pending or discharged is a deplorable act. Accordingly, I demand that any information to past accounts be deleted on all three major credit bureaus, XXXX, XXXX, and XXXX XXXX respectfully. Please send notification to the three major credit bureaus to delete all information and purge my information permanently. 
XXXX XXXX
Product: Credit card or prepaid card

I was a member of Credit Karma. This site would give offers of credit based on your chances of approval. I would apply to these offers when based on their recommendations. However, when I did apply, I was turned down for the credit card. Even though the site said that my approval change was excellent.

This resulted in hard inquiries on my credit report and lowering of my credit score. I believe that this was misleading to me as a consumer who was looking for a new line of credit.
Product: Credit card or prepaid card

i disputed a XXXX charge a while ago because as i said then i did not receive the items. I still have not. Yesterday i received a call message it was very hard to understand from a man in a heavy XXXX   accent saying that something was being disputed i should respond in 24 hours. i did not hear who what or a phone number so today i checked all my accounts and on my buy power the transaction was rebilled for XXXX i did NOT receive the items. i will not pay for it. Capital one in a one size fits all way simply rebilled it to my account. and this is wrong. please reverse. 
Since the pandemic people in this area have been reporting missing items they order perhaps there is a thief but i did not get the items and will not pay for them. I also had no opportunity to respond to the call since i could not make it out due to the accent and lack of clarity
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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
Product: Vehicle loan or lease

At the end of the loan I was told I will receive {$350.00} dollars my title and if I pay it off earlier good credit reported on my three credit report .with no problem. I paid my car off 4 months ago and I have not receive anything .from this company
Product: Mortgage

I have never been late with a single mortgage payment. 
I made my XXXX XXXX  monthly mortgage payment on XX/XX/2022. 
On XX/XX/2022 my mortgage loan balance became {$71.00}, XXXX. 
On XX/XX/2022 I contacted the Bank via chat to advise that I made a payment of {$1000.00} which should be applied to additional principal. The Bank employee responded that the request has been submitted. All screenshot of my conversations with the Bank are saved onsite. 
On XX/XX/2022 I contacted the Bank again to advise that I made one more payment of {$1000.00} which the bank was scheduled to receive on XX/XX/XXXX and asked to apply it to additional principal too. All screenshots are onsite. 
With these two additional principal payments I expected my mortgage loan balance to go down to {$69.00}, XXXX. 
On XX/XX/2022 both payments of {$1000.00} each were posted in my account as unapplied credit by the Bank. I contacted the Bank again via chat to remind to apply both payments to additional principal. The bank employee said that the request has been made. 
On XX/XX/2022 my account showed that the Bank applied the funds received on XX/XX/2022 to XXXX XXXX monthly mortgage payment instead of additional principal. As the result of such manipulation by the Bank, my loan balance increased to {$70000.00} instead of dropping to {$69000.00}. 
The Bank keeps doing it month after month, and every month we have to go through a reapplication of funds process which delays the application of additional principal.
Product: Checking or savings account

On XX/XX/XXXX, Mercury XXXX suddenly closed my account and I couldnt log in. 
On XX/XX/XXXX, Mercury XXXX  informed me that I violated the usage agreement and closed my account. 
On XX/XX/XXXX, I logged in to my account and it showed that my funds were sent in the form of a check. 
On XX/XX/XXXX, I sent an email requesting to change my address, but there was no reply. 
On XX/XX/XXXX, I sent an email to contact you, but there was no reply. 
XX/XX/XXXX, no news about the check Mercury XXXX closed my account without notifying me. The money in my account is currently being shown as sent by check, but it was sent to the wrong address. I have tried to contact them but have not received any response. I hope that Mercury XXXX can transfer my money to the specified ACH account.
Product: Vehicle loan or lease

Hello, I'm experiencing identify theft activities. I first found out was back in XX/XX/2023 but I believe it started happening in XXXX and XX/XX/2023. I found out because I received an email notification from XXXX XXXX that I have several inquires request on my credit report and then starting to receive huge amount of letters mail to my home indicating I have applied credit cards, auto loans accounts with different companies. Luckily no fraud credit card accounts has been opened approved. I also received an auto loan insurance billing invoice from Westlake Financial Service to me and a dealership letter from XXXX XXXX that I purchase a vehicle. Those were not authorized by me. Thank You XXXX XXXX
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.

I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX Original Creditor Name THE RIDGE ON XXXX XXXX Account # XXXX, XXXX XXXX XXXX Original Creditor Name XXXX XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX / XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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. 




In accordance with the Fair Credit Reporting act XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX / XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX Account # XXXX, 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: Checking or savings account

Hello I tried to log in in my checking account from N26 Bank yesterday and it didnt let me. I called a costumer rep and the notified me that my checking account was closed without any information and that I would get contacted by N26 due to this matter. I also notified them that a direct deposit would come in in my account between today and Wednesday in the amount of XXXX XXXX I contacted the sender but unfortunately it was allready sent to my closed bank account. I wrote them several emails regarding this matter but didnt get any response. Prior to closing my account I never was notified by either email or phone. I hope this issue gets resolved ASAP and my direct deposit bounced back to the issuer. XXXX ID : XXXX Use this transaction ID to check against your bank statement. 

Processed Date : Mon XX/XX/2021 XXXX XXXX ( XXXX  XXXX XXXX XXXX This payment refers to the following redemption request : Reference number : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove the following accounts as soon as possible : XXXX XXXX  XXXX Balance Owed : {$1200.00} XXXX  XXXX Balance Owed : {$8900.00} XXXX XXXX  XXXX Balance Owed : {$13000.00} XXXX  XXXX Balance Owed : {$12000.00} XXXX  XXXX XXXX Balance Owed : {$2700.00}. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. Please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

This account is reporting inaccurate information on all three ( CRA ) this account must be deleted immediately from my credit profile.
Product: Credit reporting or other personal consumer reports

The unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus but I never received a response from it. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possibleXXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$1000.00}
Product: Mortgage

I fell behind in my mortgage payment s and I went into default I was told I didn't qualify for modification. So I was sent a letter from OCWEN/PHH Serviceing company telling me that they had referred me to an attorney to start the foreclosure process. I recieved that letter and I responded with a sworn affidavit asking them specific questions because I started getting letters from different named companies asking me to send my payment to different locations. So I started doing some research of my own about who was OCWEN and now PHH and what I found out was HORRIBLE To say the least. OCWEN has been KICKED OUT of at least 32 states where they can no longer conduct business because of their  illegal practices. I found out that my original lender BUNDLED up my mortgage with others and securitized my loan separating the Note from the mortgage which both are illegal do to the truth and lending act they also never gave me full disclosure on what their real intentions were and they turned my promissory note into a security instrument with my knowledge. So I sent all of them a sworn affidavit asking them if they breached my contract or did they follow the the law and the rules and regulations of GAP General Accounting Principles and Practices. And none of them have answered nor did they sign the sworn affidavit saying they did in fact follow the law. So they scheduled a foreclosure sale for XX/XX/2019 and sent a attempt to COLLECT a debt letter and I responded with the same affidavit that I had previously sent to OCWEN/PHH and XXXX XXXX  and now I am sending it to their attorney and in a matter of a few weeks I got a letter back from their attorney saying that the loan and property foreclosure sale has been canceled for XX/XX/2019. And now 7 months later they are trying it again. I am furious because they have no legal standing what's so ever and cant produce any original documents including my original note. They claim that they only canceled the debt for XX/XX/XXXX was because I was in bankruptcy and that is a complete lie. They canceled the debt on XX/XX/2019 and I filed for bankruptcy 4 days later so that is a serious lie. I have all of my documents to prove they have no standing and they are committing fraud because Georgia is a Non Judicial State as it relates to foreclosure and these Serviceing companies are getting away with pure unadulterated THEFT. And it appears these attorney s and judge z are complicit in it.
Product: Mortgage

My loan was transferred from XXXX XXXX to XXXX XXXX XXXX and they have refused to send me my pay-off since XX/XX/2021. I have been trying to lower my rate from a 4.125 to a 2.375 % and they refuse to send me the pay-off. It took them months to send me my mortgage note and other documents requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested validation to XXXX XXXX, XXXX XXXX, as my right under the FCRA and they responded to me on XXXX/XXXX/XXXX a packet containing the amount owed in an itemized bill. However, the paperwork they sent me contained a description of my personal health information that directly violates my HIPAA rights. I did not release my health information to XXXX XXXX. I sent them a second letter advising them of this violation on XXXX/XXXX/XXXX and they responded with the SAME EXACT packet, never discussing the violation or my concerns. The second response from them was also received in a tampered envelope which concerns me that someone else may have been able to see my PHI ( Personal Health Information ).  A letter was sent to XXXX on XXXX/XXXX/XXXX explaining my concerns and to request to remove this account ASAP from my credit report. All documents and certified receipts were included in this letter for documentation purposes excluding my PHI. My letter was received by XXXX on XXXX/XXXX/XXXX. I just received an email from XXXX today, XXXX/XXXX/XXXX, stating my investigation was completed and the debt still belongs to me after they contacted XXXX XXXX. They have failed to respond in 30 days. Also under FCRA Section 604 ( g ) ( c ) it states that information other than account status or amounts is restricted. My rights were clearly violated. A letter was also sent to Transunion on XXXX/XXXX/XXXX requesting to remove this account from my report. I have not yet received a response but it remains on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a collections account with XXXX XXXX  XXXX that has been paid in full and closed ; however, it still shows up on my Experian and XXXX credit reports as an open collections account. 

Once the debt was paid, I notified the credit bureaus immediately, forwarded the letter that I was provided, and asked that they update my reports accordingly. XXXX updated that account accurately as paid in full and closed. Experian and XXXX however continues to report that account as an open collections account that is in derogatory status with a {$0.00} balance. I've contacted the creditor by email and asked if they can reach out to the bureaus to notify them stating specifically that the account is closed ; however, they have stated that the letter that they provided was the only notice that they would provide. I can include that letter with this submission. In the email, I asked if she can confirm that the account is closed since the debt is settled in full and she has stated that that is correct. I enclosed the email thread that contains the conversation with this submission as well. I contacted the Experian and XXXX and they have stated that they must have a statement from the creditor, specifically stating that the account is closed. I have run out of options at this point and would need your help to correct this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Credit Bureau : Name : XXXX Credit Bureau : Address : XXXX XXXX XXXX XXXX, PA XXXX Credit Bureau : XXXX Credit Bureau : XXXX XXXX XXXX XXXX, GA XXXX Date : XX/XX/XXXX XXXX : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on XX/XX/2017, and I noticed an unauthorized inquiry had been made. 

I contacted XXXX & XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX & XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Checking or savings account

XX/XX/XXXX I had placed multiple orders on XXXX for {$97.00}, {$150.00}, {$18.00}, {$62.00}, {$14.00}, {$300.00}, and {$20.00} I had received empty packages so i got ahold of XXXX, and they pretty much told me there was nothing they could do about it. So I got ahold of my bank to do a charge back since I didn't receive any of my items that I had paid for and they declined all my disputes. So I'm out all my money, and didn't receive any of my items. Ive sent them everything they've asked for. I've banked with chime for years and have never had to dispute anything until now and its been such an issue. My money should be insured up to {$250000.00} by this bank.
Product: Credit reporting or other personal consumer reports

I have dispute. To different accounts sereval times XXXX XXXX and XXXXXXXX XXXX  both had fraudulent charges on them kept coming back accurate I have a ftc report and they sent it to the companies so they are aware of the problem and I been contacted them about it nothing has been done.
Product: Payday loan, title loan, or personal loan

I received a letter to apply for a loan with their company. I uploaded all requested verifications and was denied. However, the only reason for the denial was " unable to verify application based on documents you provided. '' I called ( XXXX ) to see what could not be verified, and the lady I spoke to stated she could only tell me the same thing my " Notice of Adverse Action '' stated.
Product: Consumer Loan

PNC Bank frequently sends me letters soliciting me to apply for an unsecured installment loan. On XXXX XXXX, 2016, I did apply, by telephone. Two days later my application was declined. My complaint is that if this bank does not want to make me a loan, then do not bother me with their stupid solicitation letters. The marketing department of PNC Bank should only send letters out to those individual that they are prepared to give a loan.
Product: Debt collection

On XX/XX/2017, I paid The XXXX XXXX in XXXX, OK in full of {$770.00}. The XXXX XXXX never reported it to FIDELITY CREDITORS SVC. Its still on my credit report that I still owe them.