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

On XX/XX/XXXX at XXXX, I received a text message from Barclay Visa fraud asking me to approve a charge of {$130.00} at a XXXX  XXXX XXXX in XXXX XXXX CO XXXX I woke up to the text and responded " NO '' quickly at XXXX and called right away. The credit card was paid off in full back in XXXX and there was XXXX intention of ever using the card again. Also, it pays to mention there was also only one credit card issued in my name even though my husband was an authorized user. So much to my surprise, when I received a text asking if the charges were me. I was out of town with my husband and XXXX children in XXXX XXXX, CO for a performance as I'm a XXXX XXXX. I was performing for the XXXX XXXX XXXX XXXX. I filed a claim with the fraud department and they removed the charges back in XXXX. On XX/XX/XXXX, when I returned home from a trip, I received a letter from Barclays stating they have added the fraud charges back to my account and that I'm responsible for the charges. To say I was upset, is an understatement. I have faxed in proof that I was not in XXXX at the time of multiple transactions on my Barclays card. I have even filed a police report. Barclays is dragging their feet, saying I am responsible for the fraudulent charges on my account. I've been told countless times that a manager would call me, I have never received a call and that was confirmed by customer service in the fraud department, they said a couple of manager 's have reviewed my account but no calls. Many of them have been very rude on the phone with only a few helpful agents who clearly understand my and my husband 's frustration. Each time I call, which is at least once a week, I get a different story from the agents completing contradicting each other. One of the major fraud charges is over {$1000.00} at a hotel downtown XXXX, there is no reason they can't investigate that and prove that it was not me. That is one of the reasons why we filed a police report. My husband and I are having to do all the investigating because they are refusing to do their job. I think it is absolutely ridiculous that I'm going through this.. I want the fraud charges removed based off my proof that I was not in XXXX, CO at the time of these charges. This should not be difficult. I am so disappointed with Barclays, I would never do business with them again if this is how they treat their customers when fraud happens. They sent a letter on XXXX XXXX, which I received in the mail yesterday ( XX/XX/XXXX ), saying after conducting their investigation, they have determined that I'm not responsible for the charges. I called this morning ( XX/XX/XXXX ) to confirm, just to be told by the agent that the letter was a mistake and sent by accident. I am dealing with incompetent people, and this needs to be rectified like yesterday!!
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXX, Equifax was breached and leaked sensitive personal information. 

The breach lasted from mid-XXXX through XX/XX/XXXX. The hackers accessed peoples names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. They also stole credit card numbers for about 209,000 people and dispute documents with personal identifying information for about 182,000 people. And they grabbed personal information of people in the XXXX and XXXX too. 

Using the website setup by Equifax : https : //www.equifaxsecurity2017.comXXXX They have confirmed my personal information may have been impacted by this incident. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement. 

Finally, they are making money from this situation by charging for credit freezes to be placed on the accounts of those affected.
Product: Debt collection

Portfolio Recovery Associates is in non-compliance with the Gramm- Leach-Billey Act your company defined as a financial institution, have never notified me of the INITIAL OR ANNUAL PRIVACY POLICY NOTICE as mandated by the GLBA statutes aforementioned. Furthermore, i have not been afforded the opportunity to opt-out of the sharing personal nonpublic information with third parties, such as any information you get about an individual from a transaction involving your financial product ( XXXX ) or service ( XXXX ) ( for example, the fact that an individual is your consumer or customer, account numbers, payment history, loan or deposit balances, and credit or debit card purchases ) therefore the privacy rules protects a consumer " nonpublic information ''. your company has failed to meet the obligations under the privacy rules and GLBA by not providing an opt-out notice explaining the individuals right to direct you not to share my NPI with XXXX nonaffiliated third party, also reasonable way to opt out ; and a reasonable amount of time to opt out before you disclose my NPI " nonpublic information '', So why does PORTFOLIO RECOVERY ASSOCIATES XXXX XXXX non-complaint institution, continue to report negatively on my credit profile and put my privacy at risk? THIS IS NOT a request for verification or validation of debt, this is a compliance issue per Sec. XXXX of the GLBA, and until the compliance can be proven and substantiated, i demand that these account permanently be deleted within XXXX hours.
Product: Mortgage

I have called BSI to try to get this handled and they would n't report it to credit beau they said it would take them 30-60 days for them to report it. It has already been over 30 days I 've sold my house and they still have n't reported it. They treated me like a 5 year old child and that I have no rights as a consumer. I tell them about the civil liability for willful noncompliance and they laugh at me.
Product: Bank account or service

My name is XXXX XXXX, I am XXXX years old, I am currently a XXXX and employee at XXXX XXXX here in XXXX XXXX, California, I have been a customer at Bank of America since XX/XX/2006 and I think their overdraft fees policy is ripping customers like me off, especially their extended overdraft fees policy which put customers like me in a deeper hole, they have been sued because of their overdraft fees policy and I think me and other customers are being ripped off because of their policy. 

My contact information : XXXX XXXX, Debit Card Number : XXXX Thank You XXXX XXXX
Product: Money transfer, virtual currency, or money service

Established XXXX account at Suntrust ( now Truist ). Sent check to beneficiary in XXXX for {$95000.00}. Beneficiary received the check, endorsed it and deposited this check into his account. Check cleared Suntrust on the XXXX XXXX XXXX, but the funds were never deposited into beneficiaries Scottish bank account. I, as Trustee, contacted Truist to try and find out to which account the money was deposited into after it left the trust account. My fist contact with Truist was in XXXX of XXXX at the branch level. This was no help, but they did give me the XXXX phone number for Truist. I called it in late XXXX and must have spent hours on the phone trying to get someone to listen to me. I was told by a number of these different people I should put a " STOP PAYMENT '' on this check, since Suntrust had paid the check I informed them how could I. After months of trying I finally I spoke to XXXX XXXX, she understood what I was asking and said she would try and help solve this situation. She called me today ( XX/XX/XXXX ) and informed me that Truist policy was that once the money left the trust account legally there was nothing that they would do about it, Truist was not legally bound to inform me of to which account they had sent the money to. It is a simple question I ask -- what account did the money go to after it left the XXXX account, as it wasn't deposited to the beneficiaries account. 
The Suntrust trust account number is XXXX, the routing number is XXXX, the EIN to which the account was set up is XXXX, the account was opened at the branch in XXXX XXXX, Florida around XXXX XXXX. There are two Trustee 's on this account, I am one of them, my name is XXXX XXXX. I can be reached at either XXXX or by cell phone at XXXX - XXXX - XXXX. I also sent a certified letter to the CEO of Truist on the XXXX of XXXX, explaining the dilemma of trying to solve this question " To which account did the money go to after Suntrust ''?
Product: Credit reporting or other personal consumer reports

I am writing to address the lack of response to my previous notice, the request for a copy of the 1099-C filed for the charged-off debt. XXXX XXXX XXXXXXXX failure to provide a response leaves me no choice but to assume that you have neglected to comply with FEDERAL law by not filing a 1099-C as mandated. Consequently, I am compelled to inform you that I will report XXXX XXXX  XXXX to the IRS for potential tax fraud using Form 3949-A if prompt action is not taken. 

Furthermore, it is imperative that you notify XXXX, TransUnion, and XXXX to delete this information from my credit report immediately. The account in question is detailed as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As per IRS regulations, a canceled debt of {$600.00} or more necessitates the filing of a 1099-C form by federal or government agencies, or applicable financial entities. Failure to comply with this requirement constitutes tax fraud, a serious offense that I will not hesitate to report to the IRS.

It is essential to understand that a canceled debt is considered ordinary income by the IRS. Consequently, any failure to file a 1099-C form, or any attempt to conceal such actions, constitutes inaccurate reporting. Income is not to be included on a credit report, and any such inclusion violates consumer laws and regulations. 

Your company 's actions are in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681s-2, which outlines the responsibilities of furnishers of information to consumer reporting agencies. Under this statute, it is prohibited to furnish inaccurate information knowingly or with reasonable cause to believe it is inaccurate. 

It is evident from my previous communication and this notice that there is reasonable cause to believe the information provided is inaccurate. Therefore, it is imperative that you take immediate steps to rectify this situation by deleting the inaccurate information from all consumer reporting agencies. 

Failure to comply will result in legal action being pursued, including holding the Creditor XXXX XXXX XXXX, accountable for willful noncompliance under 15 USC 1681n ( a ) ( 1 ) ( A ). This statute stipulates that any person who willfully fails to comply with FCRA requirements may be liable for damages sustained by the consumer.

I am currently in the process of securing housing, and the inaccurate information on my credit report is hindering my progress. I urge you to act swiftly and cease reporting this item to avoid further complications. 

I am currently in the process of securing housing, and the inaccurate information on my credit report is hindering my progress. I urge you to act swiftly and cease reporting this item to avoid further complications. Kindly delete this off my report immediately.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditorXXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Preferred Credit company has reported to the credit bureau that I have an unpaid account with them as a guarantor of XXXX XXXX XXXX, whom I do not know and I have never requested a loan from that company. I would like that account be removed from the credit bureau and from Preferred Credit and that an investigation be carried out because my record and my name are being harmed.
Product: Credit reporting or other personal consumer reports

iam a victim of identity theft i found a few accounts that i don't recognize and student loans and ive never been to school my credit is harmed and they violated my privacy and my consumer rights and ruined my credit and this is illegal i contacted my lawyer and he said we need proof and they never sent me contracts and signatures this is illegal and as of 15 U.S Code 1692g validation of debts and improper use of my credit report. in accordance with with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states i have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USC 1666B, a creditor man not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose XXXX. XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX. XXXX XXXX inquiries : XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 the consumer declare that in XX/XX/XXXX that I pulled my credit report from the three major credit reporting bureaus and noticed XXXX and XXXX accounts and hard inquiries ( XXXX/XXXX, XXXX XXXX, XXXX/XXXX XXXX XXXX XXXX XXXX ) I did not open or recognize and did not authorize and origination dates that are clearly erroneous. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods or services- or for any other purpose. Neither did I receive any money, goods, services, or other benefits. I have cooperated with law enforcement by providing all information I had regarding these fraudulent activities as my personal information was stolen. Someone has been using my personal information without my knowledge or permission since XX/XX/XXXX. I have filed a complaint with the Federal Trade Commission since Pursuant to the 1974 Privacy Act all 3 credit bureaus violated all privacy rights by sharing my information with businesses without my permission.
Product: Debt collection

Wells Fargo continues to play these rollercoaster games. As youll see from my Preservation Specialist to whom confirmed they got all of the necessary documents for the loan modification. However for the 3rd time Wells Fargo as you can see has contracted themselves. On or about XX/XX/2023 as you all can see I obtained a Home Owners Insurance Policy from XXXX XXXX. However apparently Wells Fargo is trying to force me to take their price gouging insurance policy
Product: Checking or savings account

Last night, on XXXX, XX/XX/XXXX. Somebody hack into my square hey account in used my virtual card information to make purchases on multiple Website. I contacted square immediately after I was made aware of these transactions and while they were still pending. They said they would get back in touch with me shortly and make sure to inform all merchants involved about the fraudulent activity that occurred so they wouldnt process the transactions. Well, upon checking my account this morning on Monday, XX/XX/XXXX. Square and all partys involved approved of 12+ transactions, consisting of nearly {$4000.00} to be completed. I am considering filing a lawsuit on every party involved with the criminal activity that took place. I will make a decision regarding this shortly. All parties involved that have already been verified and approved the transactions include XXXX XXXXXXXX XXXX, SQUARE. All other parties involved but didnt approve the transactions or still pending include CURRENT FINANCIAL INSTITUTION, XXXX XXXX XXXX XXXX XXXX and XXXX. Possible parties that might be involved but have not been confirmed include XXXX
Product: Bank account or service

I have alerts set up on my Bank of America checking account to let me know when I have insufficient funds. I never receive these alerts until AFTER Bank of America applies overdraft protection and then charges me for it. I am not given the opportunity to correct my account because it 's not brought to my attention until after the fact.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company froze my report then refused to unfreeze it in a timely matter. They said it would take 5 business days. They also ran me through 2 departments and an ungodly amount of verification. Balances on 5 credit cards, mortgage payment, ect. 

The problem happened with XXXX and Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

On several occasions on different dates, I have attempted to temporarily lift a properly executed security freeze at Experian. In possession of the PIN used to place the freeze, I entered the requested data on the Security Freeze section of the Experian website. I then received a system-generated reply that my request can not be executed online. Instead, I am instructed to compile a long list of sensitive, personally identifiable information XXXX XXXX XXXX and an address to which this data is to be mailed via the Postal Service. 


When the freeze was initially executed, I completed the request online and was informed that removing freezes were easily done online and would be executed immediately or within an hour of request. Now, trying to temporarily lift the freeze required to complete a personal finance transaction, I am met with a lengthy process requiring the surrender of multiple sources of PII. 


As an additional step and final attempt, I executed the " forgot PIN ' XXXX even though I did possess it ). This required that I successfully answer a series of questions drawn from my Experian data record ( e.g. where various loans were held, towns and addresses lived at, etc ... ). This validation was successful as it returned on the screen the PIN that I used to initially establish the freeze. I was successfully validated within Experian 's online system! It still however will NOT allow me to lift the freeze online! 

Individuals possessing PINs and who can correctly provide the requested validating information on the Experian website should be able to immediately request and receive temporary lifts of security freezes. I should be able to enact personal finance transactions immediately when they are desired rather than having to complete a lengthy process on Experian 's schedule and providing substantial amounts of personally identifiable information ( PII ) when I have been authenticated on the website.
Product: Debt collection

I am writing to formally report the persistent and unlawful debt collection practices being conducted by Portfolio Recovery. Despite my repeated efforts to resolve this matter and demonstrate that the alleged debt is not mine, I continue to be harassed by their company. 

To provide context, I have been living in XXXX, XXXX since XXXX and have not opened any credit cards or incurred any debts during this time. I have provided Portfolio Recovery with proof of my residence and financial history, including bank statements and a letter from my employer. However, they have continued to contact me at extremely inappropriate hoursspecifically, XXXX XXXX XXXX XXXX XXXX XXXX XXXX local time ( XXXX ) which is causing significant distress to me and my family by waking up my children in the middle of the night. 

Despite my compliance in providing the necessary documentation and repeatedly explaining my situation, Portfolio Recovery has refused to acknowledge this and continues to harass me. This behavior is not only unprofessional but also in violation of fair debt collection practices. 

I am reaching out to you in hopes that you can assist in stopping these unlawful actions or guide me on the next steps I should take. 

Please advise on how I should proceed or if there is any action you can take to assist in resolving this matter. 

Thank you for your attention to this urgent issue.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Protection Bureau ( CFPB ) The document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of The Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts be blocked and deleted company information Equifax. Please deleted the following accounts. XXXX XXXX XXXX XXXX. {$440.00}, XXXXXXXX XXXX XXXX bal. {$2400.00}, XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX bal. {$4400.00}, XXXX XXXX. {$1500.00}, XXXX XXXX XXXX. {$370.00}, XXXX XXXXXXXX XXXX  bal. {$2200.00}, XXXX XXXX XXXX {$1000.00}, XXXX XXXX XXXX {$730.00}, XXXX XXXX XXXX XXXX. {$390.00}, XXXX XXXX XXXX. {$290.00}. XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a car XXXX XXXX of XXXX, I had my father as a co-signer and we bought the car. I currently have 3 hard inquiries from doing this on my credit report. One from XXXX XXXX XXXX XXXX XXXX in XXXX, NM on XXXX XXXX, XXXX. One from Capital One Auto Finance on XXXX XXXX, XXXX, and one from XXXX XXXX in XXXX, NM on XXXX XXXX, XXXX, which is where I bought the car. 

I did not authorize either one of those credit agencies to run my credit, we were told we were going through another credit union called XXXX XXXX XXXX XXXX but my father got denied as well. Then they just ran us through all these credit unions without asking our permission, and now my already bad credit score is  worse from all the hard inquiries.
Product: Debt collection

I really dont know but if they have my signature name and birth date.. it wont match mine ... theres a XXXX XXXX XXXX using my identity.. my name is XXXX XXXX