23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

The credit card company is barclay and their website is https : //www.barclaycardus.com/ The problem is they disengaged the automatic pay feature on my account without notifying me that it was disengaged. When my payment was past due the lowered my available credit which caused my credit score to drop XXXX points. 

I called the company to advise them they disengaged my automatic pay. This conversation took place on or around XX/XX/year> I would like to have have the company reinstate my previous credit line to restore my credit to the same score it was prior to them lowering my credit limit.
Product: Vehicle loan or lease

I have a car loan on my XXXX XXXX XXXX through Capital One Auto Finance. They have been great as far as arrangements and communication. My issue is that I made a XXXX payment on my account through XXXX in XXXX as I always do each month and they said that the payment was returned. I can not make electronic payments on the account. I have been making payments through XXXX at XXXX for the last 2 years with no issues. I spoke with a supervisor and she stated that XXXX or XXXX XXXX made a double payment and then returned one of them. This makes no sense to me as this is affecting my account. I would like this to be looked into and rectified. I have attached my statement reflecting the date that the payment was made. It is highlighted. 

I would also like for electronic payments or at least debit card payments to be reinstated on my account. I would like to begin making my payments directly to capital one. Everytime that I ask about this, I get the run around. 

Lastly, if possible, I would like for the repossession to be removed from my credit report. We still have the vehicle. I have steady employment and when that repossession happened I was unemployed. If that could be done, I would appreciate it. If not, I understand.
Product: Credit reporting or other personal consumer reports

I Have been a victim of identity theft. My personal infromation has been used to obtain goods and services. I contaced Transuinon and told them that this inquiries are frdulent and provided proof, Even though they told me that this inquiries were verifed Please dispute and remove this fradulent inquiries from my credit report XXXX  XXXX ( Bank ) XX/XX/year> XXXX  XXXX ( Bank ) XX/XX/year> 2024
Product: Student loan

I graduated from XXXX XXXX University in XXXX of XXXX. I have been on the search for jobs since I was let go at my former XXXX ( I am a XXXX ) almost a year ago. Back in XXXX I had submitted a complaint with the XXXX about Wells Fargo reneging on the in-school forbearance policy and was able to get them to defer it until I had properly graduated. I told them what my official date of graduation would be ( XXXX XXXX, XXXX ) and according to my account information on XXXX my forbearance period was shown to hold until XXXX of XXXX. 
Much to my surprise I received notification by mail on XXXX/XXXX/XXXX that they are once again reneging on a documented date of forbearance claiming that I had graduated and thus the date was updated. I totally agree that in-school forbearance should only last until I 'm out of school however, I had electronic data telling me that my forbearance would be good until XXXX of XXXX. Given that I do not have a job yet ( but am closing in on a few ) I really needed at least 6 months of forbearance after I graduated to give me time to find and settle into a job, at which point it was my intention to start paying on this private loan. 
But it is my opinion, and no doubt the opinion of countless other consumers, that spontaneously changing due dates on a whim is EXTREMELY bad business practice and should be illegal ( if it is n't already? ). Wells Fargo had the date of my graduation and if they intended on cancelling my forbearance after my graduation date then that date should have been the XXXX on my Wells Fargo account showing me when exactly I should expect to need to start paying. 
Nonetheless, I had called on XXXX/XXXX/XXXX to confirm all of this and inquire about getting a deferment based on unemployment or whatever could postpone me until I find a career and was told that the maximum deferment period would only be two months and that I needed to make a " good faith payment '' in order to be CONSIDERED for said forbearance ( i.e. it was n't a guarantee ). Luckily I 'm aware that if I type in " Wells Fargo XXXX me on forbearance good faith payment '' into XXXX and other consumer-watchful searches I could come up with dozens of people that have had this " Good Faith Payment '' backfire on them. 
The bottom line is that Wells Fargo is not being considerate of their consumers that are recent graduates and are reneging and changing due dates whimsically ; its unprofessional and should be illegal. And the requirement of having to make a " good faith payment '' in order to be considered for forbearance makes no rational sense ( if I had money to make a payment, why would I need forbearance in the XXXX place? ) and is highly suspect. Please do something about this!
Product: Debt collection

Company is still violating my consumer rights. This debt is hereby disputed and should be removed from credit file.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have been a victim of a data breach and request that all accounts and inquiries listed below be blocked and deleted from my credit report as provided under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). The information related to these accounts has been compromised, and I do not want these fraudulent entries to impact my credit history.

Below is a list of the accounts that should be blocked and deleted from my credit file : Accounts : XXXX. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I terminated my XXXX XXXX XXXX XXXX XXXX about 2 years ago when I switched form another carrier. XXXX XXXX XXXX online sales person confirmed the promotion, offered me a great deal if I switched and completely deceived me. I switched 6 lines and, from day one, started to noticed my online account piling up huge bills which continued for several months. XXXX XXXX XXXX added additional services without my authorization and promotions were not added to the account. XXXX XXXX XXXX also extended my contrct to a longer period without my knowledge while I was under a shoter term contract. I struggled to resolve issues with XXXX XXXX XXXX but got a run around each time. 

I filed complaint with Texas Attorney General and FCC which forced XXXX XXXX XXXX to contact me. The representative worked on the case and we agreed to terminate the contract with {$0.00} cost to me and nothing owed to XXXX XXXX XXXX since my original contract was fulfilled. I switched to another carrier after and have been with the other carrier for almost 2 years now. 

3 weeks ago, I started to get collection calls and also receive a collection letter and emails from " Receivable Performance Managment LLC '' which handles XXXX XXXX XXXX XXXX collections. I told them that I did not owe any money to XXXX XXXX XXXX but they kept asking me to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's been so agitating waiting for Bureau 's feedback to my previous complaints about getting some incorrect stuff in my report. All the inquiries and incorrect personal information that are reported were truly unfamiliar and unauthorized. I have been sending you written requests to get rid of these inquiries and personal information but you have failed to do it or at least notify me about the status of my requests. Below are the unfamiliar inquiries and incorrect personal information I am disputing. 

ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX EMPLOYER : XXXX XXXX XX/XX/XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX LINK TO OPEN ACCOUNTS XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I sent this message to XXXX XXXX about a purchase I return I made last year that was NEVER refunded. I returned two items on the same day, one was a fan and one was a fireplace. I dropped them off at the same place ( XXXX ) and theres VIDEO FOOTAGE of me returning the item. I received a receipt. A few days later I received a refund for the {$100.00} fan, but NEVER for the {$360.00} fireplace. I would like that amount to be credited to my account. ( I've attached proof ) I sent the message below to wayfair card on XX/XX/XXXX and they've yet to respond. Even though they are supposed to respond within one business day.

" Hello! 

I returned two items to XXXX last year. The smaller item return was posted to my account, but the other item, which is worth over {$300.00} still hasn't been credited to my account. I returned both items at the same time. 

Please help! ''
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Debt collection

Hi- Thank you for your assistance. I received noticed from XXXX XXXX, Manager DBF Collection Corp XXXX that I was a guarantor of a lease in which the tenant had not paid her rent and was found in court to owe money to the landlord. 

I requested a copy of the lease which was " partially '' sent over. I say partially because this lease was an E signed lease through a program similar to Docusign. These online leases typically have an additional page which details the the email address and other things related to confirming who signed the lease. I requested the full copy of the lease from XXXX XXXX and XXXX XXXX, who works for the property management company XXXX XXXX XXXX XXXX. If they were unable to provide the full copy, I asked them for proof as to which email address the lease was sent to in order for it to be signed. 

I requested from XXXX XXXX and XXXX XXXX this remaining page/email address which they have refused to send over. I ask for this page because ( a ) It is part of the lease ( b ) I confirmed in my email box on the date and time the lease was signed ( signature line is marked with a date and time ), I never received such email to sign to the lease ( c ) I noticed that the IP address under both tenant 's and guarantors section was identical. Meaning that the tenant was the likely one to have created a fake email address and signed it.

From what I read online, the debt collector is obligated in this situation to provide the full lease and refuses to do so. Furthermore, no court has found me nor the guarantor on the lease responsible for paying this debt. I have never been taken to court on this matter. Also should be noted the guarantor section asks for a notary and to document isn't notarized. 

I politely request to have this debt removed and XXXX XXXX and his client sanctioned.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX you are here by ordered to remove this fradulent account at once. XXXX sent statement through the CFPB that this alleged account has a XXXX bal and this alleged account was removed from the past from you CRA 's the name was redacted for Hippa and privacy violations but the account number is stated look at the balance owed XXXX this should of never been re reported to you 3 CRA 'S REMOVE this at once this is there own omission and documentation .CFPB please look at these documents for statement of fact case XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. XXXX  XXXX  XXXX ; XXXX   XXXX XXXX ; XXXX XXXX XXXX
Product: Debt collection

This company has placed a stop on my vehicle registration for supposed tunnel fees that they should not have been accrued due to me having XXXX EZ pass accounts for over 8 years. I spoke to a manager by the name of XXXX XXXX who was rude and unwilling to even listen to me. He tried to tell me that they have charged me {$53.00} per transaction for {$1.00} tunnel fees that they admittedly never sent me an itemization of from 2013. They apparently received my information from the XXXX XXXX XXXX XXXX, which I have only used about XXXX times in the past going to see XXXX, as I am a XXXX. This is an absolute scam. The manager told me that he was unwilling to release my registration with the Virginia DMV unless I paid him {$450.00} for my car and another {$400.00} for my SUV that I no longer even own. The state needs to do something about these companies praying on people to collect fictitious fees. I asked him over and over to give me dates because I am disputing this being that I have an EZ pass account with XXXX EZ passes. This is ridiculous and futhermore, if this was from 3 years ago, why havent they made any contact with me and why are they just now placing a hold on my registration? I contacted them when I found out about the hold while trying to register my XXXX. My SUV was registered with no issue back in XXXX. This should be illegal and the state should put a stop to these predatory practices. I am attaching proof of my EZ passes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three Credit Bureaus/Agencies ( XXXX, Equifax, XXXX  XXXX and the Creditors ( Dept ED/XXXX XXXX, XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of any information any other adverse item of information, other than records of convictions of crime 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 reason to believe that the information is inaccurate. 

Account : XXXX XXXX Account # : XXXX Account : XXXX Account # : XXXX Account : XXXX  Account # : XXXX Account : XXXX  Account # : XXXX Account : XXXX XXXX Account # : XXXX
Product: Mortgage

During XX/XX/XXXX, I applied with US Bank to refinance my current loan with them. Company found problems accessing VIN verification document that should have already been in their documents from the initial finance. Since it had taken months, and no headway was being made, I queried my Loan Customer Service on resolution and she said senior leaders did not have a solution so I gave in. In XX/XX/XXXX, I received a notice of credit denial from US Bank. If the bank has initially serviced my loan and had all documents, I believe it is discriminatory to fail to expedite a refinance already held ny the institution, along with showing two credit accesses personally effecting my credit. Here I stand after months of waiting without a loan refi. 

Loan Application # : XXXX
Product: Debt collection

Ally continues to call me at my place of employment looking for my spouse. I have informed them from the first call that this is the incorrect number, this is my POE and to remove the number from being called, yet calls continue. I have been called 3 times on XXXX XXXX,4 times on XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Source Receivable Management is collecting a debt for the original creditor XXXX. I will be filing a complaint against XXXX as well. XXXX has sent a debt into collection that I do not owe for equipment they said was never returned. The equipment was indeed returned and some equipment was never sent. I used my own phones that was paid for. I have asked XXXX for the tracking numbers to help with my dispute and they refuse to give me that information. So Im being charged for items I do not have. Not only was the equipment I did received returned, XXXX refunded me multiple credits for my inconvenience and provided me my account number to transfer my service. My new service provided even offered to pay XXXX for me to transfer. I talked to someone from XXXX a week ago and they said they could remove up to {$2000.00} from my account then transferred me over to another department giving me the run around. Source Receivables failed multiple times in investigating this dispute nor did they contact me before placing this account in collections. They failed to provided me with the letter they sent nor did I receive a letter. It has been over 30 days since Ive ask for the information. I did not sign a contract with Source Receivables Management. They are illegally trying to collect money from that I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX Balance : - XXXX  XXXX Balance : {$0.00} XXXX Balance : {$120.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$14000.00} Bankruptcy XXXX  XXXX-discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Discharged XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I made two payments totaling close to {$900.00} to pay off the full balance on my Capital One credit card, 19 days before the billing cycle ended, but I still got a bill for {$5.00} on my next statement. It was based on a balance of {$230.00}. My balance was never even at {$230.00} at any point in the billing cycle. I have seen online that Capital One has done this to other customers.
Product: Credit reporting

I have XXXX reports with my name incorrect and a home address that includes an " Apartment Number '' although it is a single family home. 
Equifax shows me owning a home and having a mortgage, and other information incorrect in my IDENTIFICATION VERIFICATION.
Product: Vehicle loan or lease

Ally servicing was recently contacted by your company as far as harassing phone calls. The biggest issue, was calling on Sundays. XXXX and behold, not even a week or XXXX later, not only did their corporate leave me a voicemail, they called yesterday SUNDAY!!! at XXXXXXXX XXXX This is going beyond harassments. Is it too much to ask, that since they call XXXX times a day, EVERY day, starting ONE day after my payment is due, to not be called on a Sunday???
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Free Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of certain adverse credit information from my credit report. As a victim of XXXX XXXX, specifically debt XXXX  falls under XXXX  as defined by the XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ) I have incurred debts that are a direct result of this criminal activity. 
Per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am providing a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX  XXXX. 
According to Section 605C of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), credit reporting agencies are required to block and remove any adverse information resulting from XXXX  XXXX  within XXXX business days upon receipt of sufficient documentation. Furthermore, 12 C.F.R. 1022.142 mandates the immediate removal of such information. 
I have provided all necessary documentation, including a victim determination letter in accordance with 12 C.F.R. 1022.142 ( b ) ( 6 ). As only XXXX forms of documentation are required by law, I trust that the enclosed materials suffice for this request. 
I also request the immediate removal of any negative accounts linked to my credit profile, written confirmation of these actions, and assurance that the negative information will not reappear on my credit report in the future that resulted from XXXX XXXX.