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

On XX/XX/XXXX, shortly after treasury requested banks free up additional liquidity to consumers, Barclays bank cancelled my card, ending in XXXX, with no late or missed payments in the years I have been a card holder. 
I contacted Barclay 's multiple times, but wasn't able to wait put their hold period until XX/XX/XXXX. The call itself lasted less than 15 minutes, the total duration including hold time was 6 hours 35 minutes. This entire call I have a recording of. 
I explained that I have been a good customer and was attempting to get my account reinstated, and was told I needed to write a letter. I then inquired as to the amount of time I had to redeem my points. After a brief hold, the representative told me I had 60 days to do so, which would be the middle of XXXX. I planned on using the points towards travel if I was able to successfully get the card reinstated, or for gift cards if I was not as the travel statements credits are only usable if the card is active. The points, which totaled XXXX have a value of {$3400.00} when used for travel credits, or {$1600.00} when redeemed for gift cards. Hence my desire to wait a little bit to see if I could get the card reactive and use the points for travel credits as opposed to pulling the trigger and redeeming them for the gift cards. I had been saving these points up for years. 
Unbeknownst to me, the points were then cancelled the day after I spoke to this representative. 
I wrote the letter to Barclay 's on XX/XX/XXXX, and after not hearing a response for over a week, called to follow up on XX/XX/XXXX. Again, the call duration consisting almost entirely of hold time totaled 6 hours 23 minutes. That call I also have a recording of. 
During my hold time, I went only my account to discover the point adjustment on XX/XX/XXXX that left my point balance at 0. When I finally spoke to a representative, they told me I had to write another letter. I explained that I had already done so, and was escalated to a supervisor. The supervisor effectually told me the same thing, and would not put someone on the phone who had any authority to help me. 
I am very frustrated, and feel they are running out the clock on the 60 days I would, by their own rules, have to redeem my points. Perhaps they plan to get back to me just after that time has elapsed and state that since it has been over 60 days, that there is nothing that can be done in regards to to the points. So, I'm turning to the Consumer Financial Protection Bureau for assistance. 
Documents and files available upon request : Letter from Barclays dated XX/XX/XXXX stating the account t was closed. 
Audio files of the calls to Barclays on XX/XX/XXXX and XX/XX/XXXX Letter from me to Barclays dated and sent XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

This serves as a formal complaint and official notice that I intend to file a lawsuit against Experian. My legal action will be based in large part on the information being used in the ongoing lawsuit filed against Experian by the CFPB. 

Experian has never provided me with any information regarding the entity that, according to THEM, certifies the accuracy of the reported data. This is a clear violation of my rights and a direct breach of the Fair Credit Reporting Act. 

Today, I received THE LAST EXPERIAN resolution regarding my dispute, which has remained unchanged despite my repeated attempts to correct the issue over an extended period. 

XXXX XXXX XXXX XXXX Account XXXX " Remains '' " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. " Please consider this communication as part of the official record of my intent to pursue legal action.
Product: Mortgage

I received a request from Quicken Loan to do a " steam line '' refinance of my existing VA loan. I applied. Quicken Loan immediately put {$500.00} on my credit card. I was told it would be applied to the cost of the loan or refunded. Quicken denied the loan and now refuses to refund my {$500.00}.
Product: Checking or savings account

My best friend, XXXX XXXX, had his XXXX number ( XXXX XXXX XXXX ) hacked, but I wasnt aware. The hacker apparently reviewed our past conversations to exchange text messages impersonating him. Today, on Thursday, XX/XX/year>, He requested emergency assistance in the form of a loan of {$750.00} to be repaid on Monday. He provided an email address for the funds to be sent using XXXX  ( XXXX. 
XXXX XXXX ). After I sent the money, the person requested another amount of {$1000.00} to be sent through Name : XXXX XXXX Email : XXXX. Thats when I suspected fraud and called my friends line. He had never made the request and said his XXXX line had been hacked. I called XXXX through NAVY FEDERAL CREDIT UNION, but the response I got was essentially that they can not help recover the money ; and that I should be more cautious next time. Please help. Its from the XXXX social security payment I received.
Product: Credit reporting

Between XXXX XXXX & XXXX equifax removed the chapter XXXX bankruptcy from my credit report but added it back to my credit report without notifying me which is against the law. It should be removed again because equifax broke the law by not notifying me that they were adding it back.
Product: Debt collection

I opened an account with DraftKings using the XXXX direct connection to my checking account. They told XXXX the money was there and XXXX put {$25.00} in my account. Within a week they reported me to Credit bureau-TRS Recovery Services Innc.. Even though, every time I logged into XXXX, on a daily basis after opening the account, I received an email from XXXX to tell me there was a log in, they never told me the money didnt go through. I have used direct connections to my bank account to transfer money many times with no issues. The account has plenty of money and was in no risk of lack of funds. I don't mind paying the {$25.00} that I originally committed to. I will not pay a fee that was added when the debt was sold to XXXX within days of their issues. This is a predatory practice that needs to be stopped. The issue is between XXXX and XXXX. Thank you for looking into this. I will not pay a fee, please negotiate a way for me to only pay the original {$25.00}. 

There are lawsuits on this in Indiana https : XXXX
Product: Debt collection

I am filing this complaint against Radius Global Solutions for their failure to properly validate a debt after I submitted a written dispute. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting full validation of an alleged debt they are attempting to collect. However, their response was not in compliance with the law. 

Details of Violation : On XX/XX/year>, I sent Radius Global Solutions a written dispute letter via [ certified mail/first-class mail ] requesting proper debt validation. 
I specifically requested : A signed contract bearing my name A full itemized breakdown of all charges Proof of ownership or legal right to collect ( chain of title ) In response, Radius only provided a basic bill summary, which does not satisfy FDCPA validation requirements. 
As of today, they have not provided any signed agreement, contract, or proof of assignment, and yet they unlawfully reported the account to my credit report without providing full debt validation.

This is a violation of my rights as a consumer under : FDCPA 15 U.S.C. 1692g ( b ) Failure to validate before continuing collection FCRA 15 U.S.C. 1681s-2 ( b ) Reporting unverifiable debt to consumer reporting agencies What Im Requesting : I am requesting that the CFPB investigate Radius Global Solutions for : Reporting a debt without validating it Failing to provide proper documentation after a formal written dispute Continuing collection activity in violation of federal consumer laws I have copies of the original dispute letter I sent to Radius Global Solutions and their inadequate response. I am ready to provide all supporting documentation. 

Thank you for your time and for helping to ensure consumer protection laws are enforced. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased an " XXXX XXXX '' smart home accessory on XXXX for {$200.00}. The promised ship date was XX/XX/XXXX. Months have passed since that date with no delivery date in site. I contacted the manufacturer multiple times for a cancellation and a refund but they will not respond. The owner of the commerce site where the item was purchased, XXXX, will not assist and defers questions to the manufacturer. 

I contacted Chase to dispute the charge but after a lengthy review process they denied my claim because too much time had passed! That is exactly why I am filing a dispute. I contacted Chase and they said they would/could not help me and any further.
Product: Credit card

I recently received a copy of my ( XXXX, XXXX, or XXXX ) consumer report, and I noticed that it is reporting on my experience with your company. 



The line of credit I have with your company is characterized as utilization on my consumer reports. RobinHood XXXX! Card IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! 



List Name of the accounts with high Utilization along with their account numbers. 



Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) subject to section 1681s-3 of this title, any ( i ) a report containing information solely as to transactions or experiences between the consumer and the person making the report.

THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( YOU ) ( Robinhood XXXX XXXX - XXXX ) Making the report is NOT INCLUDED on my Consumer report! 



THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( YOU ) ( Robinhood XXXX XXXX - XXXX ) Making the report is NOT INCLUDED on my Consumer report! 



Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( YOU ) [ Robinhood XXXX XXXX - XXXX ] who is making the report. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included in the consumer reports! 



YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. 



You have 10 calendar days to update my utilization to 5 % or below or delete all Utilization from the below account/s Robinhood XXXX XXXX - XXXX Failure to respond satisfactorily with deletion of the above Utilization will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Non-Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX Enclosed : copy of ID and Utility Bill showing proof of address
Product: Mortgage

I reached out to the company several times regarding the adjustment on the monthly mortgage after I changed insurance companies. The mortgage company calculated the mortgage when the homeowner 's insurance was also most {$1400.00} for the year. Two weeks later I changed insurance companies and sent all documents to the mortgage company. The new homeowner 's insurance policy was {$990.00}. I notified the mortgage several times, but they never adjusted the monthly mortgage.
Product: Vehicle loan or lease

XXXX XXXX XXXX did a consumer credit transaction with Santander Consumer USA. 
There was a down payment charge in this consumer credit transaction which is a violation of the TRUTH IN LENDING ACT. 
Violated Title 15 U.S. Code 1605 Violated Title 15 U.S. Code 1662 Civilly liable Title 15 U.S. Code 1640 Criminally liable Title 15 U.S. Code 1611 The finance charge was NOT the sum of all the charges. Which is a violation of the Truth In Lending Act.

Violated Title 15 U.S. Code 1605 Civilly liable Title 15 U.S. Code 1640 Criminally liable Title 15 U.S. Code 1611 Santander Consumer USA never gave me notice of right to rescind or the applicable forms to do so. Which is a violation of the Truth In Lending Act.

Violated Title 15 U.S. Code 1635 Civilly liable Title 15 U.S. Code 1640 Criminally liable Title 15 U.S. Code 1611 The retail installment contract the dealership provided on Santander Consumer USA behalf is a consumer credit contract which is an instrument.

16 Cfr 433.1d Consumer credit contract. Any instrument which evidences or embodies a debt arising from a Purchase Money Loan transaction or a financed sale as defined in paragraphs ( d ) and ( e ) of this section.

The consumer credit contract fits the components of a promissory note.

Santander Consumer USA is a Financial Institution that is part of the FDIC.

Promissory notes are considered legal tender and can be deposited for credit.

Title 12 U.S. Code 1813L The term deposit means ( 1 ) the unpaid balance of money or its equivalent received or held by a bank or savings association in the usual course of business and for which it has given or is obligated to give credit, either conditionally or unconditionally, to a commercial, checking, savings, time, or thrift account, or which is evidenced by its certificate of deposit, thrift certificate, investment certificate, certificate of indebtedness, or other similar name, or a check or draft drawn against a deposit account and certified by the bank or savings association, or a letter of credit or a travelers check on which the bank or savings association is primarily liable : Provided, That, without limiting the generality of the term money or its equivalent, any such account or instrument must be regarded as evidencing the receipt of the equivalent of money when credited or issued in exchange for checks or drafts or for a promissory note upon which the person obtaining any such credit or instrument is primarily or secondarily liable, or for a charge against a deposit account, or in settlement of checks, drafts, or other instruments forwarded to such bank or savings association for collection.

Santander Consumer USA received my consumer credit contract/instrument and deposited it as an asset.

You, SANTANDER CONSUMER USA and its representatives/agents are Civilly & Criminally Liable for your transgression against me, a Consumer & Natural Person , under Title 15 U.S.C 1611 & Title 15 U.S.C 1640a ( 2 ) ( A ) ( i ).
Product: Credit card or prepaid card

To Whom it May Concern : I was charged {$52.00} on XX/XX/2020 by Macys, to my Macy 's credit card for an in store purchase. That purchase was made by an individual who has stolen my personal information and was/is using it to make multiple other purchases ( car ( s ), musical equipment, applying for an apartment, etc ). 

On XX/XX/2020 Macy 's provided a confirmation statement that they were reviewing my submitted dispute, and that their investigation could take 45-60 days to complete. This document also advised that I not pay any charges related to the disputed items purchased ( {$52.00} ). 

On XX/XX/2020 I was charged a {$27.00} late fee and on XX/XX/2020 I was charged a {$2.00} interest fee. Again, on XX/XX/2020 I was charged a late fee, this time of {$38.00}. On XX/XX/2020, I was charged an interest fee of {$2.00}. 

Presently, my Macy 's account shows that I have a balance of {$120.00}, and that will increase when I do not make an XXXX payment. On XX/XX/2020, Macy 's was officially outside of the 60 days window they had provided for completing their investigation. 

I submitted a second dispute to Macy 's and received an identical notice that they were working to resolve the issue, this time dated on XX/XX/2020. Since that time, I have called their customer service line several times, only to be told on each occasion that there were/are no agents available to provide an update on my case. I have also received multiple phone calls from Macys ' banking partners seeking collection from me for the balance, which I am not liable for. 

Because of this ( and corresponding actions made by the individual who stole my private information ), my credit rating has suffered significantly, preventing me from being an active creditor in the marketplace. I have not been able to purchase a car when necessary, and I have not been able to move forward with purchasing a home while moving jobs, cities, and states. I have been given no update on when Macy 's will be able to resolve the issue, and because of that, can not make responsible plans for the future.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address, These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. 
To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX. XXXX XXXX NY XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN.

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1. Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report.

2. Update my credit profile to reflect the correct information as listed above.

3. Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 
XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX NY XXXX
Product: Money transfer, virtual currency, or money service

I am filing a conplaint against Cash App ( Block , Inc. ) due to inadequate customer support services and unfair practices, which violate the Consumer Financial Protection Acts ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

XXXX in response to the above claim they stated that XXXX was owed. On XX/XX/22 i received notice that the balance owed was XXXX how is on day one amount and another day a different amount .The lack of investigation and full proof of monies owed is hurting credit report and consumers everywhere while they have shown that can not be trusted i demand that this be removed from my report immediatley
Product: Credit card or prepaid card

My wallet was stolen from my home by someone I know on XX/XX/ at XXXX XXXX He took one credit card and purchase was rejected, then he tried another and made two purchases at XXXX and XXXX for {$30.00} and {$73.00} claiming it was his girlfriend 's credit card at XXXX XXXX, dba XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX, Phone XXXX. He attempted to make another purchase for {$93.00} about 10 minutes later which was rejected and I was notified by fraud department at XXXX. I went to XXXX and they showed me the signed charge slips. I told them I had denied all charges and that it was a stolen credit card. I then went to Sheriff 's Office and filed complaint. The person who used credit card was arrested that same evening for credit card fraud. Then even though XXXX XXXX knew he used stolen credit cards to make these purchases, after being notified that XXXX would not honor their charges, XXXX XXXX pulled the rejected charge slip and charged the same transactions against my Bank of America credit card on XX/XX/ and even though I only had {$5.00} on account before I went over credit limit, Bank of America allowed the charges to go through. I would like both Bank of America and XXXX XXXX to be investigated on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are some unauthorized inquiries on my credit report. 

XXXX. 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Inquiry left that need to be removed or Block. Per FCRA section 605 you are required to remove the remaining inquiries listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you Accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My servicer Ocwen Loan Servicing modified my mortgage as of XXXX XXXX, 2015. My original loan payment was {$940.00}. The new loan payment was supposed to be {$910.00}. The final modification documents was signed on XXXX/XXXX/2015. Whereby, the loan was supposed to be modified to the new {$910.00} short afterwards with the account being brought to a current status. Ocwen input the Principal balance adjustment to the account on XXXX XXXX, 2015 per their transaction history records. But, Ocwen failed to alter my mortgage account to a current status as stated in my modification agreement. I tried paying my monthly mortgage paying on XXXX XXXX, 2015. But, the payment was returned on XXXX XXXX, 2015 due to the servicer showing the loan past due for the XXXX XXXX, 2015 monthly payment. The account was sold to Residential Credit Solutions on XXXX/XXXX/2015 without the problem with the modification not corrected. I tried to talk with my contacts at Residential Credit Solutions in order to get the problem addressed. But, the contacts at RCS stated that the accounts was past due. I needed to pay the account current. I am asking that the account be corrected by RCS. Otherwise, the account needs to be transferred back to Ocwen in order that they can correct the issue with the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting that I owe {$620.00} on mycredit reports I never had a XXXX XXXX  card nor was I a authorized user on this account like they are tellng me not my account
Product: Debt collection

I contacted XXXX XXXX XXXX on XX/XX/2018 in regards to a collection on my credit report that does not belong to me. I have been a victim of identity theft and I'm requesting for this collection to be removed from my account as it was not me. The company stated I need to file a FTC dispute and then fax them over the documents.