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

I applied for the XXXX XXXX issued by Barclays on XXXX/XXXX/XXXX at about XXXX XXXX XXXX. I was not instantaneously approved for the card, so I called XXXX at about XXXX XXXX XXXX to find out about the status of my application. I spoke with a representative who told me that in order for Barclays to process my application, I would have to send to Barclays through the mail a copy of my drivers ' license, a copy of my social security card, and a copy of one of my utility bills. In this age of identity theft, I have never heard of anything so absurd as a request to send all of my personal identifying information in one envelope to some random P.O. Box through the mail leaving me with no confidence that my information is secure!!!. XXXX knows what would happen to those copies once dropped into the mailbox! My girlfriend experienced the same issue when applying for the XXXX XXXX and, after asking to speak with a supervisor, was able to confirm her identity with Barclays by answering the questions the supervisor asked based on information in her credit report. That supervisor also told my girlfriend that sometimes Barclays will verify a customer 's identify by sending a code via text to the customer 's cell phone. When I asked for the same courtesy, the supervisor I spoke with insisted that I must send my identifying information to Barclays via mail or fax. As far as I am concerned, this should be illegal. There are many far better ways to verify my identity than to ask me to expose myself to identify theft. A COPY OF MY SOCIAL SECURITY CARD TOGETHER WITH MY LICENSE??? THROUGH THE MAIL??? ARE YOU SERIOUS??? Are Barclays executives prepared to answer to Congress to explain how this method for verifying customer information is secure???
Product: Debt collection

In the letter by XXXX XXXX XXXX XXXX, they have send me a debt collector. Total amount " owned '' was XXXX and decided to drop it by 50 % coming at a XXXX. 
Treated to ruin my credit for a debt not owned by me. As I already paid in full to the previous company. XXXX XXXX XXXX XXXX XXXX said in written and I quote " Any negative credit repot reflecting on your credit that has been or may be submitted to a credit reporting agency will remain if you fail to fulfill the terms of your credit obligation. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT a request for verification or validation of debt. This is a NOTICE & DEMAND to TRANSUNION that the listed institutions ATTACHED in the notice have not conformed and are currently reporting in non-compliance with the following Gramm Leach Bliley Act. I never received the required Privacy Notices from these corporations that XXXX is reporting on my consumer report. By publishing these non-compliant account ( s ) on my credit profile and distributing them to 3rd parties you are INTENTIONALLY DAMAGING my reputation, are infringing on my unalienable rights to privacy and damaging my credit worthiness. 

Also, I did not give any " credit bureau '' corporation permission to report any late payments and negative items to my report. TRANSUNION is a third party corporation and I did not give TRANSUNION permission or authority to use or communicate my information with any third parties under USC 1692c ( a ). TRANSUNION assembled a consumer report without my authority this is identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I do not know this debt/s for the amounts of {$120.00}, {$2600.00}, {$1000.00} from this company. I don't know what type of debt/s these are. 
I sent a validation letter that I have attached but no response.
Product: Debt collection

The Best Services Company ( henceforth referred to as TBSC ) attempted to collect a debt that where no debt validity was ever sent. TBSC claims a validity letter was sent on XXXX What they fail to disclose is when it was allegedly sent to my old address in XXXXXXXX XXXX. We moved to XXXX, XXXX XXXX miles away. in XXXX of XXXX XXXX  then sent a letter explaining the account would be reported. Once again, not to the correct address and to an address we had not lived at for 6 months. TBSC cajoled and bullied me into paying a debt, as the dispute period had already ended. I never once claimed ownership of the debt, but paid it in full on XX/XX/XXXX. I did not know my rights, and would have immediately requested a debt validation letter at the time If I had known. I have since requested two of them, which TBSC says in their response in writing that they ignored. FCRA DOES NOT require reporting a paid debt. This is a practice that TBSC takes great pride in doing, valid or not. I moved cross country and was taken advantage of, the least TBSC company could do is remove the collection, one of my only negative credit marks. 

What is lost in the information avalanche is that I paid on a debt that was not valid, and am now sentenced to 7 years of a negative mark that should never have been in the first place. This is disingenuous, lazy and misleading. All I ask is that they remove the report, the rest is water under the bridge. At the time of this complaint this has been marring my record for 4 years, 9 months, 10 days Calls to this company have related in the customer representative repeatedly feigning to understand what is being asked and answering questions about queries that are not being asked repeatedly before disconnecting the call.
Product: Credit card or prepaid card

I payed off my account with Comenity bank before my special 6 months no interest and they continue to charge and harass me. It started with them losing my money orders in their facility for a MONTH! During that time I called repeatedly to fix the issue and I kept getting brushed aside. That was in XXXX here I am halfway through XXXX getting called for money for interest I was assured would not be accrued and what was accrued would be cleared. Between the first week of XXXX and now I have spent XXXX hours on the phone with these conmen and Im currently on a call that has lasted over XXXX minutes that they initiated and have now placed me on hold without permission and are currently trying wait me me out and make me hang up. I have received dozens of false promises about them reviewing my account and calling me back, they dont give me their names, they pass me from supervisor to supervisor and there are thousands of stories like this their reviews are XXXX star from over XXXX people because this company harasses and frauds their clients consistently! This is a huge issue and I would love to start a class action but I have no clue where to go so here I am hoping the CFPB is my solution.
Product: Credit reporting or other personal consumer reports

Why this accounts and inquries are still on my report. I send a compliant regarding this issue please delete this this fraudulent and authorized.Here 's the lists of negative account I REQUESTED to be deleted Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$0.00} Account Name : XXXX XXXXXXXX XXXX Account Number : XXXXX Date Opened : XXXX XXXX, XXXX Balance : {$5400.00} XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

Freedom Mortgage has an accurately stated that I have missed payments stating back almost 2 years ago. These statements are inaccurate. I have not missed a payment at Freedom Mortgage corporation. I called Freedom Mortgage and was told I had to physically mail in a complaint that would cost extra money that I choose not to spend.
Product: Money transfer, virtual currency, or money service

I received a message from someone who identified being from Chase and was told there was fraudulent activity identified on my account and to call. When I called the same number on back of debit card, the person sent a six-digit code as usual for verification. I was then told since someone was trying to infiltrate my accounts, we needed to move the money out immediately, so I logged in while on the phone and the person walked me through setting up a wire transfer to move my {$15000.00} so when accounts were hit money wouldn't be in there and that the funds would be put back within XXXX hours. I sat on the phone watching my funds disappear! Person hung up, I called back and that person answered and said it was normal not to worry, money would be back in accounts XXXX morning. Still very worried, I waited and when nothing appeared that morning and I called the bank all they said was I initiated a wire transfer, and the money was gone! Filed a claim then was sent to XXXX XXXX XXXX. Claim was denied saying I initiated the transfer even though I tried to explain what happened. XXXX XXXX investigated and found there was a transfer to a XXXX who I have knowledge of and it went to several accounts at XXXX XXXX. They filed a reclaim of funds with XXXX XXXX and I got back {$7600.00}. Since then, I have had to constantly call Chase XXXX XXXX XXXX for updates on the request for remaining funds and keep being told they are no longer getting a response from them? These were my pre-retirement funds to assist me with living until my benefits kicked it. The plan was to retire this year which I had to put on hold.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Report Act Convergent, Account : 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 an account without my written instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters and paid in full receipts to XXXX XXXX no response in return within 30 days. I also sent letters to WELLS FARGO CARD SERVICE about my account paid in full and they still have it showing as derogotory balce {$0.00} which shouldnt be not be reporting anything negative.
Product: Credit reporting or other personal consumer reports

TransUnion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against TransUnion alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where TransUnion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as TransUnion inaction violates federal law and my rights as a consumer.
Product: Credit card or prepaid card

I had an American Express card that I closed on XX/XX/2022. When closing the account my balance was {$0.00}. A month later I got a statement from American Express with a balance of {$150.00}. They said it was a charge back for a promo given to me many months before. I explained to them that I was not told anything about that and definitely wasn't told I would be charged {$150.00} if I closed the account. As a matter of fact the customer service representative that closed my account read to me on the phone a lengthy disclosure statement and never mentioned my closing the account will trigger a {$150.00} charge. I made numerous lengthy attempts both on the phone and on chat ( transcripts are available ) with the company to sort this out. I was told not to worry, and it will be taken care of but it takes 6-8 weeks. I waited for that meanwhile they continued to charge me late payment fees and finance charges. As of now I have a bill of {$260.00} on an account I closed with {$0.00} balance and I have not made any purchases. Please help! Thanks
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 XXXX 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 XXXX on XX/XX/XXXX under the account number XXXX, an XXXX XXXX  account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX on XX/XX/XXXX with a balance of {$590.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED.

I earnestly request the removal of this entry from my credit report as it is not mine and appears to be fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about its impact on my creditworthiness. I implore you to conduct a thorough investigation and promptly rectify this error by removing this inaccurate information from my credit profile.
Product: Credit reporting or other personal consumer reports

XXXX reporting last payment status of 2018. Request Historical Payments and dates of payments made in 2018.
Product: Checking or savings account

I had filed a fraud claim on my Debit card because I didnt make the charges, I was in the hospital d uring the time of the charges due to COVID-19. I filed a claim with the bank and contacted the merchant to advise them of the fraudulent charges and filed a police report. The bank gave me a temporary credit and the merchant refunded some of the charges then the bank denied my claim and took the temp credit and also removed the overdraft amount from one of my other accounts marking my mortgage check return. I have filed an appeal but still havent heard from my bank. I am now late on my mortgage payment due to this and all because the bank says that there wasnt an urgency to to file a claim because of a charge dating back XX/XX/2022 from the same merchant that I didnt notice of {$.00}, which by the way the bank included in my claim not me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Protection Act XXXX  account # XXXX. XXXX XXXX XXXX XXXX Account Number XXXX, XXXXXXXX XXXX XXXX XXXX Account Number XXXX, XXXX XXXX Account Number XXXX, XXXX XXXX XXXX XXXX Account Number XXXX XXXX. XXXX XXXX Account XXXX XXXX XXXX. XXXX XXXX Account Number 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Checking or savings account

I would like Chime to finally just mail me a paper check to my mailing address and close my bank account. I am a XXXX XXXX XXXX XXXX whom is in recovery from a XXXX that I sustained In the month of XX/XX/2022 and Chime has suspended my account. I have no access to money. I am not able to pay my medical bills, pay for medication or for food on my own because of Chime will not give me access to my retirement money. On XX/XX/2022, I opened an account with Chime Financial Services. I began receiving my Social Security XXXX payments to the account on XX/XX/2022 ( The first deposit from XXXX was made to my account on XX/XX/2022 ; the second was on XX/XX/2022 ). I filed back taxes in XXXX and received a refund deposited into the account on XXXX. I have an additional one en route. On XX/XX/2022, I learned that Chime had suspended my bank account. Since then, I have sent them XXXX separate emails pleading with them to open my account back up. I have sent them my personal documentation and information and they still have refused to open it. Because of my XXXX, my speech and short-term memory lapse after long periods of time and conversations, so my daughter has been aiding me along the process of communicating with Chime via email. She has also been on the phone with me as we have placed 11+ conference calls to Chime customer service to have this issue resolved. Please, Please help me get my money back. This stress has been delaying the physical therapy care that I've been receiving after my XXXX and the bills that I have been paying. My children have been helping me over the last month in paying some of my bills but this is NOT sustainable.
Product: Debt collection

On XXXX XXXX I contacted the company in response to a collection account that is on my credit report. I stated : I do not acknowledge any liability for this debt in any form and I retain my right to request a full and complete debt verification and validation from your company. 

However, I am willing to pay off a portion of this account as a show of goodwill under the following conditions : Your company will delete all references to this account from my credit profile at the three credit bureaus ( XXXX XXXX XXXX XXXX XXXX. 
You will not list this debt as a settled account. 
Your company will accept this payment to satisfy the debt in full. 
Your company will not attempt to sell or transfer this debt to another creditor. 
You will make no mention of this agreement to outside third parties. 

I was told that because of where I live MEDCAH does not have the right to collect or the license to collect there. I was also told that I could make a payment online and have it deleted the next day. I could not get this mailed to me in writing because the company doesnt send out letters and they legally can not because they can not collect where I live.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX  credit report Kolhs credit is showing current and they fixed my credit report but XXXX  and XXXX they did not fix the errors. This has been going on for two months going on three now. I have called kolhs, they said they will not fix it. One manager said they would. Then my experian report is fixed but my other two credit reports are not? This late payment was an error on kolhs part and they can pull every conversation with every representative. There system does not show pending payments.
Product: Credit reporting or other personal consumer reports

I called Transunion Regarding a XXXX open XXXX account with XXXX late paymentsin the XX/XX/XXXX Years. I have new accounts open in 2024 Somehow this agent says that I lost the 10 years of positive payment history because I opened new accounts. My history with TransUnion shows XXXX credit history, When asked the Transunion agent XXXX me that because I opened a new account I lostthe 10 years of positive payment history - I would like this to be cleared up. Case # XXXX XXXX ID : Precious XXXX.
Product: Checking or savings account

On XX/XX/XXXX, my account was overdrawn due to a large check. The check was not written by me. I called the bank to file a claim and to freeze the account. Later in the day, I went to a branch to look into my options. At that time, I was informed that the check was printed at a branch and that I was a victim of identity theft. Upon inquiring about how a check could be printed off of my account at a branch, I was told that a person can come in with an ID and request it. I was charged a " Counter Fee '' for said printed checks. In order to speak to someone at the branch about my account, I had to provide an ID and a debit card ; however, a person was able to present a single form of identification to access the funds in my account. The same thing had apparently happened in XXXX of this year but Chase did not tell me about the " Counter Fee '' and how the checks were obtained. After the XXXX incident, I asked for alerts to be placed on my account and I was assured that all transactions would be scrutinized moving forward. During my XX/XX/XXXX visit at the branch, I found out that an alert had never been placed on my account and instead, I was being blamed for the fraud. The only option I was given was to close my account and create a new one so I asked if a letter could be provided to share with the merchants whose pending transactions were being rejected by the restricted account status ( this was per the request of one of the merchants with whom I had spoken earlier in the day ). I was told that they would not provide a letter. A different bank employee told me that I would get a letter at the conclusion of their investigation. On XX/XX/XXXX I was notified that the claim had been approved but as of XX/XX/XXXX, I still do not have funds returned to my account nor have I been provided a letter. 

In addition to the above, on XX/XX/XXXX when I realized the branch was not assisting me, I asked to close my accounts and I was denied. I was told that they were closed - though I was still in the bank. Instead of being helpful, they was condescending and rude and offered no support.