23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/year>, I made a payment to Barclays Jet Blue Credit Card for {$2200.00}. After making the payment I noticed that it was not updating on the app. I called Barclays 2 days later and an associate told me that the account was closed. On the same phone call she then told me that the account would be reopened once the payment went through, which would be on XX/XX/XXXX. When XX/XX/XXXX came along, the account was not reopened. I reached out to Barclays once again and insisted on speaking to a manager and spoke to one named XXXX ( XXXX # XXXX ). I explained the situation to him and he told me that he will have the payment reversed. I double checked with him and asked " is this something that is being reviewed or is this something that will happen immediately? ". He told me that this is NOT something that needs to be reviewed, and within 7-10 business days I should see a reversal of the payment back to the original method of payment. After 10 days ( 6 weeks since my initial call ) the payment had still not hit my account. I called once again and another manager whose name I forget ( Case ID XXXX ) told me that the payment CAN'T be reversed now. So after speaking to 5 total individuals at Barclays Jet Blue Card, they all provided me misinformation that has caused me a significant amount of financial stress, losing {$2200.00}, but the mental stress of having to wait 40 minutes on the phone to get in touch with someone at the bank just to be told that the previous manager I spoke to misinformed me has been overbearing. Getting hit with fees on my checking account because I only left it open so this reversed payment can hit the account and I can withdraw it and close the account has caused me an insane amount of mental stress as well. It is beyond ridiculous that a company as large as Barclays does not have a streamline policy in place that all managers can follow and therefore provide accurate information when an unknowing customer calls for assistance. 3 different managers provided me three different answers. I fully believe this bank should be punished for the lack of transparency when it comes to their policy. If the payment could not be reversed from the beginning I should not have been told it will be reversed. 2 managers should not have tried to " ease my mind '' by telling the payment will be reversed and the account will be reopened if neither was going to happen. This is beyond irresponsible and unacceptable from a company of this magnitude.
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 - Acct # XXXX XXXX. XXXX XXXX -Acct # XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX5 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 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: Vehicle loan or lease

I co-signed an auto loan for my daughter. The loan has been paid on time every month since its origination. Recently I was notified of a late payment or a payment not properly credited.I have sent a schedule of all payments along with cancelled checks for the past three months with no response. My daughter continues to receive collection calls, while I have never been contacted despite my guarante.It is an high interest loan with a beginning balance of XXXX and a current balance of under 6,000.00 No previous delinquency no previous collection efforts
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when 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. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX  XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX  XXXX XXXX Balance : {$470.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$420.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1900.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX Dob : XX/XX/XXXX SS # XXXX To Whom It May Concern : I received a copy of my credit report, and I noticed some accounts on my consumer report that is inaccurate. 
This is my 3rd attempt at having you delete this inaccurate information.

This agency is in violation of 15 USC 15 USC 1681i, in your repose to my dispute you claimed that the account : XXXX XXXX XXXX XXXX Balance : {$550.00} Highest Balance : {$580.00} Opened : XXXX XXXX, XXXX You have validated inaccurate information and this account is hereby disputed. 
The information on this account being furnished on my consumer report in fact inaccurate. 
15 USC 1681i ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

XXXX XXXX XXXX XXXX Balance : {$550.00} Highest Balance : {$580.00} Opened : XXXX XXXX, XXXX The reporting of these account is in violations of 15 USC 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
How can you verify inaccurate information? You have violated METRO2 Compliance procedures and format for reporting! 
Delete this account from my consumer reports.
Product: Mortgage

We refinanced our mortgage loan with a new company and closed out the original loan with an effective date of XX/XX/2020. As part of this transaction, we are owed {$1400.00} from our old escrow account with Lakeview Loan Servicing , LLC Mortgage and serviced by XXXX. 

Ever since this date, now approaching 60 days. I have been trying to contact them but I have been ignored, hung up upon and/or sent to an " automated service machine '' which is unable to help with my needs. I have also tried to reach them via email which have also proved unsuccessful.

At this point, and also based on know tactics from this company according to a quick internet research, I believe this company is proposedly avoiding me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number XXXX XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attention Compliance Manager : I recently received a result letter from a dispute letter mailed as I have enclosed that letter for your convenience. Under FCRA 611 ( a ) referencing an erroneous or inaccurate item ( s ) on the credit report involving some type of transaction that I am not familiar with. I was upset and saddened to learn that you somehow verified this disputed item, stating to leave it on the report. I am absolutely certain that these items I disputed is incorrect and should be deleted, you have given me no choice but to exercise my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate the accounts in question and disputed. 

XXXX XXXX XXXX XXXX XXXX inaccurate, incomplete, or unverified, I demand deletion. 
XXXX XXXX XXXX XXXX XXXX XXXX inaccurate, incomplete, or unverified, I demand deletion. 
XXXX XXXX XXXX XXXX XXXX XXXX inaccurate, incomplete, or unverified, I demand deletion. 
XXXX XXXX XXXX XXXX inaccurate, incomplete, or unverified, I demand deletion. 
XXXX XXXX XXXX XXXX inaccurate, incomplete, or unverified, I demand deletion. 
XXXX XXXX -If inaccurate, incomplete, or unverified, I demand deletion. 

I am eagerly interested to learn how your investigator arrived at this erroneous conclusion. I demand to see a complete list of all and any documents along correspondence from each person contacted. I need you to include all names, addresses, and contact information of employees that you spoke to as part of this investigation including the date and time with phone number given. 
I have enclosed all previous letters that I sent to you previously but are once again enclosed along with this correspondence in order to help you process this request demanded. This verification is critical because my credit report and credit scores are very important and of value to me. I believe it is being unjustifiable, hurtful, and unworthy to a consumer like myself who truly cares about his credit. These unfortunate errors reporting need to be deleted in order for me to be competent and able to maintain great and attain credit. I am in the process of organizing and laying the groundwork for a possible legal case, so I need certain and specific answers related questions I have demanded within this letter based on your information supplied. I expect to receive a response from your company within 15 days upon receipt of this letter, or you have a choice of deleting this from my credit report as I also expect to see the item in dispute permanently deleted from my credit report based on the unreliability of the information furnished.Thank you for your prompt attention. I look forward to getting this crisis resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TEXAS XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent accounts that have been inaccurately reported on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ) Section XXXX ( b ) ( 15 U.S.C. 1681c-2 ), I request a thorough investigation into the following fraudulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts do not belong to me, and I have never initiated nor authorized any transactions with the aforementioned creditors. I believe that these accounts are the result of identity theft or fraudulent activity, and their presence on my credit report is damaging my creditworthiness and financial standing. 

I am requesting that [ Credit Bureau XXXX ] conduct a comprehensive investigation into these accounts in accordance with FCRA guidelines. Specifically, I request that you : Verify the accuracy of the information provided by the creditors. 
Provide me with copies of any documents related to these accounts. 
Remove these fraudulent accounts from my credit report immediately. 

Under the FCRA, I am entitled to receive a written response within XXXX  days of your receipt of this dispute letter. Please inform me of the results of your investigation and the actions taken to rectify this matter. 

I appreciate your prompt attention to this urgent matter and look forward to a swift resolution. If you require any further information from me, please do not hesitate to contact me at the phone number or email address provided above. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Its been too long years dealing with this. It seems like Im not gon na be able to get it done this year. I try to do my taxes. I cant do them without them so they blocked me from seeing my wallet because they were thinking, but they stopped because I made {$10.00} last year on those NFT and theyre trying to hide it or covered up. I dont know what theyre trying to do but they have all my entities and I wan na know why.
Product: Debt collection

I finally used XXXX to track down the debt collection agency. Turns out XXXX billed me AFTER I canceled my service and moved to a different state. 

They gave the collection agency the wrong phone number for me and never sent mail to my old address ( I had it forwarded ). 

All they did was throw a {$97.00} charge on my credit report, where it's now destroying my ability to get a mortgage. 

I tracked down the collection agency and PAID them. Attaching proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX I have sent multiple letters to servicers to get this loan off my credit with no results and then after that every month I had sent a subsequent letter to try to get it take off
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter to Experian recently and I have not received any results. I have never authorized nor obtained any credit with the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a letter from ATG Credit LLC claiming I owe over {$16000.00} in debt to XXXX XXXX. I've never even had an account with XXXX XXXX and do not owe them anything. When I called to find out how to clear up the misunderstanding, " XXXX '' hung up on me twice because I wouldn't provide personal information. They used aggressive tactics and harassment to try to get me to pay a debt I've never owed.
Product: Credit card or prepaid card

Comenity bank sites have been down for 2 days. I have several store credit cards through them. You cant call either. Centers are closed. I want to make sure I am not charged any late fees or have any negative credit reportings due to their lack of communication as well as not being charged interest for the month due to the fact that I can not pay the bills and the balance and interest is accruing at no fault of my own due to their lack of planning and competence.
Product: Checking or savings account

On Thursday XX/XX/2024 I made a mobile deposit from my personal XXXX XXXX  account to my personal BMO Harris bank account. I received an email from BMO verifying the deposit had been approved and processed same day at XXXX..stating it might take XXXX business days for funds to appear. No problem. On Monday XX/XX/2024 I went online BMO and it looked like the deposit was received but not credited. I called my local branch and they verified it would most likely finalize by end of day. That my pending auto drafts were ok to pay. At end of day I stopped to verify and was told there was a HOLD on the funds due to a FRAUD alert. The banker was unable to get an answer from the fraud dept as to why. Luckily for me, I was able to deposit the same amount in cash so my son 's mortgage and utility debits would indeed process. This is his account, he is a 100 % XXXX XXXX veteran. Today is the XXXX XXXX XXXX and I tried to reach the fraud dept to find out WHY they decided my account needed to be FROZEN, also my son 's debit card for essentials, they REFUSED to talk with me. The cusomer service rep said the Fraud dept had determined there was NO FRAUD, and it was a " standard hold ''. Neither my branch manager, or personal banker can lift the HOLD.THEY NEVER INFORMED ME OF A HOLD BY PHONE, EMAIL OR ONLINE ACCT MESSAGING. UNACCEPTABLE BANK PROCEEDURE. If I hadn't been able to come up with cash for a deposit, all my auto debits, XXXX so far including mortgage would have been returned. HOW CAN THEY HOLD/FREEZE WITHOUT INFORMING THE CUSTOMER? They received the good funds the same day of my mobile deposit XX/XX/2024. As of XX/XX/2024 they are unavailable to me.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent INQUIRY in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any INQUIRY listed on an id theft report. Please find the ATTACHED documents to assist in the REMOVING of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

On XXXXXXXX XXXX I looked at my transunion credit report and noticed inquires I don't recognize and called transunion and asked them to remove the inaccurate inquires.according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.these inquires are violating my federally protected rights ( 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquires from my transunion credit report or pay me $ XXXXper violation.mail my check to address on file or delete them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, so everyone knows, I am in the process of purchasing a home. As usual, private, XXXX, XXXX, individuals from dangerous lawbreaking organizations, are working behind the scene to cause delays and blockages. They want me in constant hardship. Their hateful ideology cause them to use the darkweb, darknet to covertly attack me. They abuse the entire IoT, and use other unorthodox practices to bring harm. Under the Fair Credit Reporting Act, people have a right to file a dispute with credit reporting companies to correct inaccuracies on their reports ; and have been disputing credit discrimination for years. I am dealing with a lot of retaliation from these XXXXminded criminals. They obsessively want me in a vulnerable situation. Having low credit scores will prevent me from obtaining housing, which will help these XXXX XXXX, RICO violators with their targeted, abusive goals. Criminals have sold my information on markets, illegally impersonated me, attacked my finances ( stole money out of my accounts ), attempted to open loans in my name and the list of abusive attacks has been going on for years as they disrespect and violate my human rights. It must STOP.
Product: Vehicle loan or lease

On XX/XX/2023 I went into XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Dealer License Number : XXXX I went into dealership to pick up my new vehicle and to trade in my other vehicle went through all the paperwork and numbers and it all looked good. come to find out later after looking at paperwork numbers were changed and moved around to give me a higher payment and in doing so, I also received a higher APR on my auto loan. After reading my loan paperwork and running the numbers I found that the dealership kept {$31000.00} of my {$54000.00} down payment as well as my {$1500.00} Deposit. That being said as you will find in my statement below the dealership has made multiple violations in consumer law and i am requesting that things be made right according to all UCC, USC and CFR codes that have been violated on behalf of me as a consumer. 


As the law of Consumer Credit Transactions states, it is a direct violation of Consumer Law to form a contract without the Sum of all charges which is first violation in my loan as there are undefined charges as in the sum of all charge 's requirement was not met as well as the dealership keeping {$31000.00} in down payment for themselves and not placing on the overall down payment of the vehicle loan. With this being said there are multiple violations according to the Consumer laws in which I as a consumer am supposed to be protected against. That being said per violation of the consumer law I am requesting that I be reimburse the full amount of my down payment as well as {$1000.00} per violation and to keep property as well as my credit be fixed and all or any said delinquent marks be removed and noted.
Product: Credit reporting or other personal consumer reports

please delete XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 XXXX XXXX Date of inquiry : XX/XX/2022