23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I applied for the Barclays Arrival Plus card on XXXX XXXX, under what I believed to be a 0 % introductory APR for 12 months on all purchases. In reliance on that perceived 0 % APR, I spent approximately {$8000.00} on the card while paying down other cards. I was shocked to review my statements and find that I had been charged {$130.00} in interest over the past XXXX statement cycles. The statements made no mention of the 0 % APR I believed I had applied for. 

I called Barclays customer service and spoke to XXXX. She claimed that the Schumer box on my application made no mention of an introductory APR for purchasesXXXX I always read Schumer boxes, and would not have applied for the card if the box indicated otherwise. XXXX claimed the burden of proof was on me to provide a screenshot of the box on the initial application - a ridiculous standard. No consumer should ever have to systematically record every interaction with a financial institution in anticipation of being deceived! 

There are XXXX possibilities here. The first possibility is that the Schumer box did mention a promotional APR of 0 %, but a glitch in the system at Barclays led this to drop off the application. In this case, I am clearly entitled to a resolution of a refund on all interest paid, plus the application of the original 0 % APR. 

The second possibility is that the Schumer box did not mention a promotional APR on purchases, but that the marketing materials for the card were in some way deceptive or abusive. In the case of a XXXX violation, I am also clearly entitled to a resolution of a refund on all interest paid, plus the application of the original 0 % APR. 

I have attached the application landing page currently used to promote the card. In bold font, this page clearly calls out a " 0 % Introductory APR for 12 months. '' Additional copy mentions that the offer only applies to balance transfers made within 45 days of account opening. But the use of bold font, combined with the exact phrase " 0 % Introductory APR for 12 months, '' XXXX strongly imply that the promotional APR applies to purchases as well as balance transfers. I believe this meets all XXXX prongs of the test of Deceptive Practices per XXXX regulations:1. The act or practice misleads or is likely to mislead the consumer ; ( I have clearly been mislead in some way, since I reasonably believed I had a 0 % promotional APR on purchases. ) 2. The consumer 's interpretation is reasonable under the circumstances ; XXXX I develop similar XXXX assets for a living and am well-versed in XXXX compliance, and have never had a negative experience with another bank or card issuer until now. ) 3. The misleading act or practice is material. ( I have been charged {$130.00} in interest, and would be charged over {$1000.00} in the next year given my current balance. ) I would encourage a full audit of all marketing assets used to promote this card, and demand appropriate resolution of my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting my complaint once again, after I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. The following inaccurate items on my file needs to be remove immediately 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My XXXX  loans reappeared on my report years after being removed after the 7 year period after my last payment. I did not receive anything about this and I also gave no consent for my report to be changed nor did I recently consolidate the loan. This has dropped my credit after I worked all these years to build it back up after the initial 7 year period after the student loans went into default. Now theyre trying to impose another 7 years reporting these same loans on my credit report, unknowing to me. Also the last 4 of my social security number is wrong on reports as XXXX when its actually XXXX and this information has come back verified and valid after I filed disputes with the credit bureaus
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  XXXX  : # XXXX XXXX XXXXXXXX XXXX XXXX : # XXXX XXXX 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 states : a consumer reporting agency can not furnish an 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 ) states : 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: Payday loan, title loan, or personal loan

Pursuant to 18 USC, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC1681 4
Product: Credit card

On XX/XX/2025, I received a letter of congratulations for my new virtual credit card account. I did not open it authorize a new credit card account. I called XXXX to report the fraudulent account and ensure that it was closed. They closed the account and are reporting the fraud within XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, a mortgage loan officer who was pulling my credit report for a mortgage refinance from my bank informed me that there was an overdue credit line showing up on my credit report. I promptly pulled my credit reports and noted on the Equifax Report that there was a XXXX XXXXXXXX Line of Credit that showed as opened on XXXX and was noted as 120 days past due ( as of Date Reported XXXX ) for the amount of {$490.00}. As I had not ever had or opened an account with XXXX XXXX XXXX I reported this identity theft issue to my identity theft insurance carrier, XXXX XXXX. They assigned a restoration specialist ( XXXX XXXX ) with XXXX who has been attempting to assist me in contacting XXXX XXXX XXXX XXXX to report this identity theft. Both myself and my restoration specialist have been unable to make contact with anyone in XXXX XXXX XXXX XXXX  fraud division for almost 2 months as EVERY time we attempt to call the number provided for the fraud department, we receive a voice mail message informing us " Thank you for calling XXXX XXXX XXXX XXXX, due to increased volumes, we are unable to answer your call. '' The restoration specialist I am working with connected me with the bank 's customer service line but b/c this account is now old/likely charged off, they were unable to assist and were also unable to transfer us to the fraud department. In addition, my restoration specialist provided me with an email address of a department within XXXX XXXX who he had had working with another of his clients who had an open case with XXXX XXXX  : XXXX. He suggested that I send an email requesting assistance in reporting identity theft : I emailed that address on XXXX and never received a response. I would really appreciate someone from XXXX XXXX XXXX being able to handle a report of identity theft so that I can have this fraudulent credit line expunged from my credit report. There is absolutely no excuse for someone to not be able to report id theft to a bank but XXXX XXXX XXXX is really working hard to make that impossible. 
After doing internet searches on issues with XXXX XXXX XXXX XXXX XXXX I believe that someone opened an XXXX XXXX XXXX All Access account using my social security number and it appears that the only way you can open one of those accounts is through applying for a credit line through XXXX XXXX XXXX through various retailers- there is no traceability in this type of purchase. I highly suspect that this type of arrangement with XXXX and XXXX XXXX Bank will exacerbate id theft going forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never gave permission to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to run my credit. These inquiries are all fraudulent. I sent out letters to XXXX and Transunion multiple times. This is fraudulent. I am sick of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have recently looked into my consumer reports and noticed private identifying information that i have not given permissions to be shared or furnished therefore according to consumer laws my rights to privacy have been severely violated. Also the furnishing of the information on those reports without my written permission further violates my federally protected rights and constitutes identity theft. According to 15 U.S.C.1681b ( a ) ( 2 ) and 15 U.S.C.1681 ( a ) ( 4 ) please send me proof that i gave prior instructions in writing to furnish accounts # # # # # # XXXX # # # # # # XXXX And i DEMAND these accounts be deleted until proof is shown Pursuant to 15 U.S.C.1681 ( b ) reasonable procedures have not been followed to be fair and equitable to I, the Consumer. Also 15 U.S.C.1681a ( i ) ( 2 ) states medical information can not be included age or gender of a consumer demographic information including residence and any info that does not relate to the physical mental or behavioral health of a consumer. These XXXX collections are violations and must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below was violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX : XXXX, XXXX : XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX Credit : XXXX, XXXX XXXXXXXX XXXX : XXXX, 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 

15 U.S.C 1681 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 items of information, other than records of convictions of crimes which antedates the report by more than XXXX 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

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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
Product: Credit card or prepaid card

I was charged a late fee of {$25.00} in error plus interest charges of {$1.00} by Citi in connection with my XXXX XXXX credit card. When I called to complain about the charges, the representative told me these charges were made in error. Not everybody checks their monthly statements. I want to make sure nobody else was charged fees in error.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The XXXX XXXX findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leavina users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. 

Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

They are updating account names on my credit report which results in my XXXX XXXX dropping and they are not updating the status or removing the older accounts. This has occurred several times since the beginning of XX/XX/2024. THE update indicate that it will not affect my credit at all but it changed between XXXX points due to the changes. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was contacted on XX/XX/2022 by WADDELL SERAFINO GEARY RECHNER JENEVIN stating that they were collecting an alleged debt. I then sent them a Validation of Debt letter which was received on XXXX XXXX giving them 10 days to respond to my demands or the alleged debt would be considered invalid. They did not respond in time and then sent letters dated XX/XX/2022, XXXX days after my time frame ended. These letters claimed to " validate '' the debt however, their claims and documents they provided did not validate any debt nor link it to me, the natural man, XXXX XXXX. Their letter included fraudulent statements about the identity of the original creditor. I requested any communication from them be sent in the form of an affidavit which it was not. I also requested a contract I signed with Them to contact me, as well as the original contract of the alleged debt with my wet ink signature, which they could provide neither. They threatened me with litigation and the possibility of paying fees and other costs. Their claims have no base and are harming me and my mental health. I have lost sleep due to this issue and request this Debt Collector to cease collection activities and remove my information from all of their accounts and records. I have since sent a notice of fault with an opportunity to cure which was received XX/XX/2022 and an affidavit of non response received on XX/XX/2022. I remain in honor. The documents attached were signed and notarized as needed. Attached are the raw documents from my computer.
Product: Credit card

Throughout, I've made sure payments on this account are always on time, avoiding any overdue status. However, I'm uncertain about the reasons for reported late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be rectified.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX is reporting a debt on my credit report that does not exist. I have requested validation of debt, including a signed contract/lease for the debt from XX/XX/XXXX - XX/XX/XXXX. I do not owe a debt. I did not have a contract or lease. I have requested this information from the Links and they have failed to provide because it does not exist. The Links sent fraudulent debt to XXXX XXXX XXXX XXXX and they have not provided validation of debt. I would like the contract between The Links and Fair Collections and Outsource and the financial information as to how much this alleged debt was purchased from by XXXX XXXX XXXX XXXX from the Links. Please provide audit trail and all contracts/leases. Please provide all agencies ( credit and financial ) that this information has been provided to.
Product: Checking or savings account

So I have been trying to open a savings account with Citibank for the past 2 months. I used their online, and by phone services because they do not have branches here in Arizona. I can't even begin to explain my frustration with this company. 
The first time I attempted to open an account, I got it funded and when I didn't receive my welcome packet, I called them- several weeks went by and all of a sudden I received a XXXX check from them- which was my funding amount along with a letter saying I didn't respond timely to something they'd requested. No phone calls or emails to follow up, just a flat out rejection of my funds and a return of my check. 

XXXX me, I decided to start over with them and open another account. So I funded it again and monitored my emails like a hawk, hoping not to miss anything. I sent everything as requested, and promptly did so. 

After a few more weeks and still not receiving my welcome packet, I called them again. This time I was told that because I listed my work address as my home address, they were going to close my account. I explained that I only did this because I had had mail stolen at my home, and wanted to make certain nothing was EVER mailed to my home. I also explained that I own my own business and ALL my mail comes here. Did they even listen- saying I couldn't correct this and said my account would have a hold on it, and would be closed and I wouldn't have any access to the fund, for a period of time. 

Now weeks later, my funds are still frozen. They will not open my account, nor will they close it and return my funds. I am in complete limbo. I have wasted countless hours on hold with them and now am at a very high frustration level. Just today, they told me that they would try and expedite things, either to open it, or close it and send me my money back. I told them to please call or email me on the next business day and let me know. They said, we won't notify you, but you must call in and try and get someone here to let you know!!!! VERY DISTURBING!!!!! 

Thanks for listening, and I hope you can let Citi know they need to make some serious changes with how they do business.
Product: Debt collection

On XXXX, I received via US Mail a letter from Wakefield and Associates, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX stating they are a debt collector trying to collect a debt that I owe to XXXX XXXX XXXX, XXXX. The phone number for Wakefield and Associates, LLC is XXXX Monday-Friday XXXX XXXX Saturday www.wakeassoc.com They stated the account # with XXXX XXXX XXXX, XXXX is : XXXX and stated as of XXXX the amount owed is {$12.00}. They stated they charged {$2.00} in interest and the debt due is {$15.00}. They stated the Reference No. is : XXXX XX/XX/XXXX. 

They said to call or write by XX/XX/XXXX to dispute the debt and if no call or written communication is received, they will consider the debt is correct. 

It says to write by XX/XX/XXXX, and request the name and address of the original creditor, if different from the current creditor. It states if written communication is received by XXXX, they will stop collection until that information is sent to me. 

I have never heard of XXXX XXXX XXXX, XXXX nor do I know anything about a debt from XXXX for {$12.00}. This is the first and only communication I have received from Wakefield and Associates, LLC regarding said debt. I have never heard of Wakefield and Associates, LLC until I received their letter today, XXXX. 

I completely dispute any debt of any kind to XXXX XXXX XXXX, XXXX, I have never heard of them nor have I ever heard of Wakefield and Associates, LLC nor have I ever had any dealings with either of these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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: Debt collection

I wish to lodge a complaint regarding the debt collection practices of XXXX XXXX XXXX. I am a victim of identity theft and I recently learned that my personal information was used to open three accounts ( original creditor appears to be Capital One ), but XXXX XXXX XXXX is reporting the information on my credit file as collection/charged off accounts ( totaling {$2800.00} ). I did not open or authorize these accounts, and on XXXX XXXX, XXXX, I sent a letter requesting XXXX XXXX XXXX to validate/delete disputed items from my credit report as well as to temporarily remove these items from my report during the investigation period. As of this date, XXXX XXXX XXXX have failed to respond to my request, however, it continue to report the accounts to all the three credit bureaus. 

In addition, a representative of XXXX XXXX XXXX called my house recently and told my son that I owed a debt and if I did not pay the debt immediately, my possessions would be seized. This is definitely a violation, as I dispute owing the debt and there is no court judgment against me that would allow my possessions to be seized.