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

Barclays Delaware Bank / The Luxury Card Billing inquiries / disputes Card Services XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Dear Sir or Madam : On XX/XX/XXXX, I was contacted by XXXX  XXXX XXXX by phone regarding a vacation package. The alleged XXXX representative advised me over the phone they were affiliated with a U.S. based chain hotel where I have stayed on occasions in the recent past. I am a XXXX+ year old male and am currently exercising XXXX XXXX XXXX  for various health reasons on the date of this transaction. 

I provided my Mastercard number in good faith as I believed XXXX  XXXX XXXX aka XXXX XXXX   was affiliated with my hotel of choice and therefore was a legitimate company. I disputed a charge of {$790.00} to my Luxury Mastercard on XX/XX/XXXX after not being able to reach the travel company and them not returning my e-mails. I provided Luxury Mastercard with evidence of a sales certificate written agreement via fax which I did not sign or date to activate with the travel company. 

I also did not sign the XXXX Credit Card Voucher emailed to me from allegedly XXXX, XXXX. On this date, I pulled up my Luxury Card account and observed that the charge of {$790.00}, which had been temporarily removed from my account pending investigation was re-applied to my account. 

I was not informed of this and have not received any written notification of this adverse action to date. I will be exercising my consumer rights by filing a formal complaint with the Consumer Financial Protection Bureau due to billing errors, as well as sending all evidence and related documents to my legal representatives, XXXX XXXX XXXX, XXXX XXXX, TX. This serves as a formal complaint in writing regarding the unfair business practices mentioned herein regarding Barclays Bank Delaware aka Luxury Card. Upon reviewing the XXXX XXXX XXXX complaint reviews of this bank/Luxury Card, I observed numerous other consumer complaints filed regarding what appears to be unfair and bad faith business practices.
Product: Credit reporting or other personal consumer reports

After reviewing my credit profile on XX/XX/XXXX| identified a discrepancy with account listed under XXXX XXXX XXXXXXXX XXXXXXXX and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/XXXX there have been updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct. As per the Fair Credit Reporting Act ( FCRA ), it is the responsibility of the credit bureaus to ensure the accuracy of the information on my credit report. Furthermore, as per the Metro 2 guidelines, creditors must report the correct date of last activity for charged-off accounts. It has come to my attention that the date of the last activity on this account is inaccurate and is causing a negative impact on my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Stokes & Wolf PC sent me a letter to settle the Collection for {$2300.00}, which is the Original Amount. I had until XX/XX/XXXX to pay the Account in Full. The Account was paid in Full XX/XX/XXXX. I Received the Letter stating Paid in full. ***NOW***XXXX XXXX who had the Account, will not change the Balance to XXXX and Paid I Full. When I asked they said to Call Stokes and Wolf said I have the Letter and they should change the Balance to XXXX. Called XXXX XXXX XXXX and they said FLAT OUT NO.
Product: Checking or savings account

Hello, CFPB representatives. I have funded a new account at an online bank last week to only just tardily be told that I need a new image of my social security card to establish it. 

Mind you, I have opened five new accounts one year to date alone with my present legible card. And what is shameful about this is that along with the attempted application at XXXX online, at least four of these banks were online based. My card is simply laminated, with that, a completely legal standpoint to keep them that way. 

It was already not punctual by a response in my online portal a week after the complete app. Now, I am beset by also a claim that my credit file must be unfrozen. I knew that that was inaccurate because by law that has to be disclosed beforehand in the documents or application. I asked what bureaus they use and they said to unfreeze them all. I am starting to get the impression that I am talking to a wall on these calls. Plus, I did not receive the credit bureau claim until today after calling, days after the SS card update last week. 

My social security card is not a subject for museum portraiture. It is an identification document used to keep the economy booming with good financial habits. It is like a gigantic merry go round where it seems like they are discriminating against XXXX men.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be corrected from erroneous reporting in my file. 

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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

To summarize the event 's of my complaint, it was recently brought to my attention after checking my credit rating that there had been a collection added to my credit report. After looking at XXXX XXXX, I found the name of the debt collector which was Procollect , Inc . I immediately called a customer service agent on XX/XX/XXXX to get more information and it was at that time I was " verbally '' told of the collection. I never received any written notice via mail, email, phone call, text, etc., the customer service agent then said I had ( 30 ) days to dispute the collection. Procollect Inc., reported this collection on XX/XX/XXXX, to the credit bureaus without giving me proper notice, allowing me ( 30 ) days to dispute the validity of the claim, receiving a proper debt collection validation notice, or given the opportunity to pay before hitting my credit report. I've communicated this to Procollect Inc., several times via email which ultimately led me here and filing this claim. Closing, after doing a little due diligence and referencing the Consumer Financial Protection Bureau website. Procollect , Inc., improperly reported a debt to a credit reporting company without meeting its obligations under the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to dispute an item on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but to consider the possibility of litigation.If your investigation is not able to confirm the validity of the accounts information I believe is inaccurate, please update it right away. 


XXXXXXXX XXXX  XXXX Late Date XX/XX/21
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX opened my information and have people posting trash on my record. Every fake, none sense and outdated account they presented for collection, XXXX say sure, put it in. When I make a dispute, XXXX denied my request, and said that they are his partner or the bills are correct as it is. For example, {$15000.00} from XXXXXXXX XXXX XXXX XXXX. I was I there for about XXXX months and the apartment has snakes and molds, so I moved out with notice. And I notified the court of clerks. XXXX XXXX XXXX pretending that they got me evicted. I never received and eviction paperwork. I checked with the clerk of court, the clerk of court said they brought a paperwork for eviction, I was already moved out. Also, the clerk of court said the do not no about the lawsuits of {$15000.00}. The owner abuse his power to abused me. I hand up lost all the money from my saving, and my job to leave in motel as a homeless. I am seeking financial damages from XXXX Again, a feral retail account that closed due to data breaches. XXXX help them post it so many time with a creation of new account number. I do not owe that debt. Someone else was shopping on my name while I was shopping for furniture online.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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 XXXXXXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

I have received a process for garnishment for this company and I am no form able to pay this right now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reviewed my credit report with XXXX XXXX, XXXX, Experian and noticed unauthorized accounts on my credit report and under 15 USC 1681 a number XXXX. You guys assumed the role without permission not only that you did not have consent. You guys did not respect my right to privacy which is under 15 USC 681 a number XXXX. They did not exercise their grave responsibility, they were unfair, they were partial. I am taking the liberty to file a CFPB report and attorney general 's complaint. The credit bureaus were not given or had permissible purpose under 1681 b number XXXX. I never instructed you guys to furnish this / my report and I never consented to this report in the first place. What I am demanding right now is that you guys deleted all XXXX active federal student loan accounts noted at department of education/ XXXX off my report. Please furnish each credit bureau with the cfpb REPORT NUMBER. XXXX have reported XXXX active federal student loans. The loans from Dept of Education were deleted and then reposted Dept of Education/ XXXX XXXX I do not have business or contracts with XXXX. tHIS HAS GRAVELY IMPACTED MY EMOTIONALLY MENTALLY AND FINANCIALLY AND MY SCORE HAS DROPED DENYING FROM FROM ACCESSING CREDIT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have wrote XXXX XXXX of this year by certified mail and by phone I was told these fraudulent accounts would be removed from my account by it still appears on my report I have submitted my police report and my ftc report and they will not respond to me with results
Product: Credit reporting

XXXX Complain letter. 
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company supposedly has on file that was used to verify the accounts and inquiries that I have disputed. Being that they have now gone 30 days and STILL can not verify these under accounts or inquiries under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete ALL information which can not be verified that I have disputed. Please resolve this matter as soon as possible as I am prepared to take legal action if this is not resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good evening. The XXXX  XXXX XXXX account that appears on my credit profile at XXXX Equifax and XXXX has be disputed several times since XX/XX/XXXX for inaccuracies, incompleteness and unverifiable information. Number XXXX this account was disputed in XX/XX/XXXX and by XX/XX/XXXX the notice of dispute was never entered which is to be entered within the thirty day timeframe required by fcra guidelines. For this account to be verified as accurate Im not Understanding how all three bureaus report different information about the SAME EXACT account. It seems to me as though this count can not be verified accurately and it is my right to have XXXX percent accurate complete and VERIFIABLE information on my report. I have attached proof of the discrepancies that each bureau is reporting, such as XXXX reports status updated XX/XX/XXXX where transunuin status updated XX/XX/XXXX and Equifax reports XX/XX/XXXX. How is this possible if all three claim to have investigated this account properly? Another example is the payment history on this verified as accurate account - transunuin shows no information for payment history where XXXX and Equifax report payment history but it doesnt match. ( Equifax shows ok for XX/XX/XXXX and XXXX shows charge off for XX/XX/XXXX ) if these bureaus all verified this account as accurate then shouldnt they all report the SAME information??
Product: Mortgage

Wells Fargo offered a COVID-19 payment relief program to borrowers. However, it was deceptive in marketing and execution. I was under the impression that I could suspend my payments 3 months penalty free ( but accept the continuation of interests to accrue ), however once I learned that this program was a forbearance and came with additional costs such as limitations on the ability to refinance and apply for PMI to be canceled it was too late. 

As a result, I feel as though I have been financially injured and my future for getting a refinance and PMI removed early limited due to poor and deceptive advertising on the risks and costs of taking advantage of this special program. The records will show that I quickly caught my account up for 2 months and in fact, pre-paid 2 months ahead in advance on this mortgage. I demand Wells Fargo to make me whole as I am now subjected to have to wait an additional 12 months to take advantage of refinancing my home and/or apply for the remove of PMI to further demonstrate I can make my payments timely. Due to Wells Fargo poor marketing I can't lower my interest rate and take advantage of this unprecedented low rate environment.
Product: Debt collection

THIS IS MY 2ND/3RD ATTEMPT - PREVIOUS COMPLAINT # XXXX I don't know what this debt is for -- - TWO DEBTS ARE LISTED ON MY CREDIT REPORT FOR THE FOLLOWING AMOUNTS : 1. ) {$790.00} 2. ) {$180.00} 1. ) XXXX XXXX nor XXXX XXXX XXXX XXXX explain what these debts are for. it is noted is was reported on XX/XX/2016 NOT ENOUGH INFORMATION HAS BEEN REVEALED FOR THIS DEBT. 

I want this debt removed from all 3 credit agencies immediately. 

Thank you, XXXX XXXX, XXXX.
Product: Debt collection

I requested my credit report from XXXX. I saw this debt on my credit report. I disputed it with XXXX. I have not received any information about this debt whatsoever. I have never received a letter from the company. XXXX also has an address on my credit report that Ive never lived. I am XXXX XXXX XXXX. This is a scam. I have never heard of this company. I have been with my same bank for over 50 years. My bank is in the town I live in.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the reporting of charged-off accounts on my credit report under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code {$1600.00}.

According to 15 U.S. Code 1681b, a consumer reporting agency is permitted to furnish a consumer report under certain circumstances, such as with the written consent of the consumer. I have never provided written consent for XXXX, Equifax, XXXX, creditor in relation or any of its affiliates to report charged-off accounts on my credit report. 
Furthermore, The FCRA mandates that consumer reporting agencies and furnishers of information must ensure the accuracy and privacy of consumer information. As such, I demand the following actions be taken immediately : 1. Remove unauthorized charged-off accounts : Please provide documentation showing that I gave written consent for the reporting of each charged-off account listed on my credit report. In the event there is a charged off account, I am to be provided a 1099c and request that and if not given am permitted the accounts be removed. In the absence of such documentation, I demand that these charged-off accounts be removed from my credit report. 
2. Cease and desist further reporting of charged-off accounts : I request that XXXX, Equifax, XXXX cease XXXXny further reporting of charged-off accounts without my explicit written consent.

Failure to comply with these requests may result in a complaint filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as possible legal action to protect my rights under the FCRA. 

Please confirm receipt of this letter and provide a response detailing the actions taken to address my concerns within 30 days, as required by the FCRA. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX of Accounts : XXXX XXXX XXXX  ( Balance of XXXX ) XXXX Date opened : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( balance of XXXX ) Date opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance ) Date opened : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( balance XXXX ) Date opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( balance XXXX closed XXXX ) account paid in full Paid in settlement. {$320.00} written off. 
Date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( balance of XXXX ) Date opened : XXXX XXXX, XXXX Chargeoff
Product: Mortgage

I continue to seek an equitable solution from my lender, BNY Mellon to resume making mortgage payments. The  California Homeowner Bill of Rights states that a homeowner has the right to know who their lender is, and be able to make contact. The recorded message at XXXX XXXX XXXX states : " Hello, if you are calling because the owner of your loan, please listen to the following message. The servicer of your loan is required to provide you with this telephone number under new regulations. The servicer of your loan was given the authority by the owner of the loan to make all declsions concerning the terms of your loan. The servicer is the only party who can make these decisions including whether to modify your loan, and you should contact them if you have no done so already. If you are in contact with your servicer, please continue to seek guidance from them ... '' The servicer of my loan, XXXXXXXX XXXX XXXXXXXX, continues to say that BNY Mellon makes all the decisions. In XXXX 's literature under the title of " Need Mortgage Help, '' it states, " Our mission is simple : We 'll do everything we can do to keep you in your home. Our philosophy is : let 's work together to find the right solution that works for you. '' Among the loss mitigation options are 1. an interest only loan with a balloon, 2. missed payments and penalties put on the back end, 3. forbearance, 4. loan modification, among other  options. A recent conversation I had with them revealed that they do not offer any of these options except for a modification or short sale. The modification available reduces the payments by a few XXXX dollars. 
Given this, I retained the services of XXXX XXXX, partner at XXXX XXXX to assist me in communicating with the owner of the loan. I will refer back to XXXX. A previous CFPB complaint I filed revealed this : " ... .the servicer informed you that the investor of the loan ( is ) The XXXX XXXX XXXX XXXX XXXX as Trustee on behalf of XXXX XXXX XXXX XXXX Alternative Loan XXXX. Please note that the XXXX XXXX XXXX XXXX XXXX is the trustee, an independent party responsible for administering the trust for the benefit of investors. The trustee is the owner of the mortgage solely for the benefit of the investors, who are the true beneficial owners of the mortgage. '' The BNY has never responded to XXXX XXXX or to me. XXXX did respond to XXXX XXXX 's letter by stating that ( in effect ) the guidelines for my loan or modification thereof, are " the guidelines set forth by the Consumer Finance Protection Bureau. CFPB does not determine payment programs.
Product: Credit reporting or other personal consumer reports

I have included below the Hard Inquiries I do not recognize done by me. 

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: Checking or savings account

XXXX XXXX XXXX XXXX failed to credit my account in the amount of {$2900.00} on X/XX/2017 as promised and documented on the date transactions was stopped. It has been several days now and still the amount is not within my account.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I wrote to you requesting an investigation into items that I believed were inaccurate, and falsely reporting. This letter is a complaint that you are reporting inaccurate information. I respectfully request to be provided proof of receiving a billing statement via mail 21 days before my bill was due. Per my records I have always paid these accounts on time and never paid late my rights have also been violated. The following late payment information therefore needs to be reinvestigated as it is inaccurate, and then removed from my credit file as it is not correctly reporting.
Product: Vehicle loan or lease

Everything was great until I misplaced my installment contract due to being illegally evicted from my home. I went to the dealership to get.a copy and thing where immediately different at first sight.. I ended up finding my original. When I compared them somethings didn't match and I remember the guy to did up our installment was name XXXX. It wasn't XXXX signature. I did a little researching and found a consumer protection webinar.. make a long story short I got show all the discrepancy on my installment. 


15U.S CODE1631 FULL DISCLOSURE REQUIREMENT WHICH THEY DID NOT DO.. 

15U.S CODE 6821 Privacy of my information WHICH THEY GAVE TO A THIRD PARTY TO REPOSSESS MY CAR WHEN IT WASN'T IN DEFAULT.. 

15U.S CODE1605 SUM OF ALL CHARGES..

1 ) WHICH I PAID FOR THE CAR TO BE SERVICE OUT OF POCKET 2 ) NO INSURANCE 3 ) PUT {$500.00} DOWN.. WHICH IS ILLEGAL WHEN FINANCING. 6