23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts and Inquiries on my credit report are fraud. I would like for them to be removed, because it is affecting my credit score and me and my family being able to rent and get a car. 

XXXX XXXX XXXX {$3000.00} Acct # XXXX XXXX XXXX XXXX {$1600.00} Acct # XXXX Capital One Auto Finance {$4500.00} Acct # XXXX XXXX XXXX  XXXX XXXX XXXX Capital one auto Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX capital one auto finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX captial one auto finance XXXX XXXXXXXX XXXX XXXX capital one auto fincance XXXX XXXX capital one bank usa capital one XXXX XXXX XXXX capital one XXXX XXXX XXXX capital one XXXX XXXX XXXX XXXX XXXX XXXX capital one
Product: Credit card or prepaid card

I had three credit cards with Barclays. An UBER card, an XXXX XXXX card, and an XXXX  card. The UBER card is the only one I had been using and it was the main credit card I used on a daily basis. In late XX/XX/XXXX, I got a letter from Barclays saying they had closed my XXXX XXXX card due to inactivity. So I went online to see what was going on and found out they had already also closed my XXXX card. Now this was a big deal to me because the XXXX card had rewards on it worth over {$1000.00}. So I called Barclays customer support the next day and ended up having to talk to a manager. The only thing the manager told me was Barclays could close my credit card without notice for any reason. And as much as I tried to get her to comment on the rewards I had, she would not comment on them. Then I notice in Barclays terms and conditions for the XXXX  card that they had a mailing address set up for customers who wanted to make a formal complaint. So I wrote a letter and mailed it via USPS certified mail. Ive been waiting for over a month and have not received a response. 

The letter I sent Barclays is attached. It includes more detail such as the fact that I was checking the Barclays web site every month using Barclays mobile app for the XXXX. And even after Barclays closes your credit card, there is no notice in the app that the card has been closed. The card account just shows up completely like a normal account. So there was no way for me to realize the card had been closed. Ive got screen shots of Barclays XXXX app included in the letter that shows this. And there is an XXXX  card account statement included with the letter showing the amount of rewards I had in that account. 

The USPS tracking number for the letter I sent Barclays is XXXX. If you check the USPS web site you can see I mailed it XX/XX/2019 and Barclays received it XX/XX/2019.
Product: Debt collection

I had a dispute with Ally Financial  in XXXX regarding a consumer auto lease. The amounts were not collectible since they were not properly due and at this point, the limitations period for collections has long expired. Unknown to me, back in XXXX Ally filed Form 1099C with Internal Revenue alleging that I was responsible for forgiveness of indebtedness income, when in fact, the amounts were not reportable since they did not involve principal sums as required under Treas Reg 1.6050P-1 ( d ). When Ally filed with IRS, they failed to send a copy to me. I first became aware of the false filing in early XX/XX/XXXX and at that point, I sent Ally a letter requesting that they withdraw the filing. They ignored me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought an appliance from Conn 's for the first four months I had to go into the store physically call constantly to try and get my balance paid they kept telling me they were going to send me a coupon book each month I kept asking for the ding coupon book to know avail it should not be my responsibility to have to drive to the store every month to make phone calls every month repeatedly requesting something that I was told at the time of purchase would be submitted to me when they send me my coupon book and take it this negative off my report I'll be more than glad to pay but until they finish me the necessary documentation I should not have to go out of my way every month to get this issue resolved I keep getting told you can pay off the balance you can pay off the balance I don't want pay off the balance I want my coupon book that I was told I would get so I can make monthly payments know exactly what day they're due they are very unprofessional and they really don't care but they sure do want to go out and hurt you and as far as credit goes
Product: Checking or savings account

First Citizens Bank opened a business checking and personal checking account about a month ago. Today I received a letter saying that due to some XXXX inquiries ( which are not fraudulent ) I received in order to refinance my business credit card debt at a time of need from rising interest rates that I had all of my account closed. This has completely blindsided me and it goes against community banking of XXXX XXXX XXXX XXXX in traditionally disenfranchised neighborhoods like XXXX XXXX XXXX. I received a call from the branch manager XXXX XXXX XXXX XXXX XXXX telling me there is absolutely no way to reverse the decision and that I was simply out of luck. Considering that taxpayers just financed the sale of XXXX XXXX XXXX to this multi-billion dollar bank, there should be some consideration and reciprocity for people like me who are struggling to stay afloat. I have never been late, sent to collections, or filed for bankruptcy so this decision has nothing to do with creditworthiness. If paperwork were necessary to undo this action I would have provided it.
Product: Mortgage

The foreclosure of my home happened while no notices were ever sent to me, nor was ever posted on any part of my residence, I hereby accuse XXXX XXXX XXXX XXXX XXXX and the law offices of XXXX XXXX, XXXX  of violating all foreclosure law and procedures. I have nor had any knowledge of foreclosure activities against me or my property until a change of ownership notice was left taped on my front door. 
I strongly believe the lender and its trustee have broken the law by foreclosing on a property with any Debt validation nor any proper foreclosure notices at stipulated by California civil code 2924. ( a ) through ( F )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the companies listed have violated my rights. 

XXXX XXXX Account # XXXX Reporting to XXXX and XXXX Only! They are violating my rights! 

XXXX XXXX Account # XXXX Reporting inaccurate information to all 3 credit bureaus. Reporting different amounts and dates! They are violating my rights! 

XXXX XXXX XXXX XXXX  Account # XXXX Reporting inaccurate information to XXXX and XXXX XXXX They are violating my rights! 

XXXX Account # XXXX Reporting to TransUnion and XXXX Only! Violating my rights! 

XXXX Account # XXXX Reporting to TransUnion Only! Violating my rights! 

XXXX Account # XXXX Reporting to all 3 credit bureaus! Violating my rights! 

XXXX Account # XXXX XXXX to TransUnion Only! Violating my rights! 

XXXX XXXX Account # XXXX Reporting to XXXX and TransUnion Only! Violating my rights! 

XXXXXXXX XXXX XXXXXXXX Account # XXXX Reporting inaccurate information to XXXX and XXXX XXXX They are violating my rights! 

Untitled {, Collection/Chargeoff, Consumer disputes this account information Medical Subject has not satisfied debt. } Account # XXXX Company is untitled and does not have a name! Reporting to XXXX OnlyThey are in violation of my rights! 

Untitled {, Collection/Chargeoff, Consumer disputes this account information Medical Subject has not satisfied debt. } Account # XXXX Company is untitled and does not have a name! Reporting to XXXX XXXX are in violation of my rights! 

XXXX XXXX XXXX Account # XXXX Reporting inaccurate information to XXXX and XXXX XXXX They are violating 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 an account without my written instructions.
Product: Bank account or service

On XXXX XXXX my sister XXXX and I went into BB & T bank to close acct # XXXX and establish account # XXXX post haste because I no longer wanted XXXX XXXX XXXX to have access to my bank accounts or have any authorization to act on my behalf to financial manipulation and improprieties done against my account. She was placed there when I became ill and was hospitalized and abused power and responsibility and her refusal to even return my property and even debit card to my account warranted establishing a new account. We met with XXXX XXXX and established the new account and informed her of importance of expediting this matter as my {$1700.00} social security direct deposit was scheduled for XXXX XXXX, 2016 would hit the old account but the bank could reroute to the new account. 

She told us and promised it would be completed by Monday XXXX/XXXX/2016 and to call her to make sure that happened on that day. My sister XXXX did and left a voicemail on her phone of which she acknowledged that she did receive. However XXXX XXXX neglected to closed the account or place safegaurds on the old account to prevent further financial manipulation by XXXX XXXX as a result XXXX authorized a webpay {$700.00} against the account on XXXX/XXXX/2016 that hit my account place it in overdraft the BB & T accessed a overdraft fee, then she went into a branch and withdrew {$500.00} against my social security direct deposit on XXXX/XXXX/2016. To date I only received {$470.00} of my {$1700.00} and BB & T have refused to return the balance of {$1200.00} from my social security deposit to me. I am a senior citerzen on fixed income and I have other finanical obligation I need to attend to and I have called several times XXXX and 4 times a day and my calls are not being returned and XXXX XXXX is no longer communicating on the status to refund my money to my account
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXXXXXX XXXXDate of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone is using my information to lease things under my name. I have never heard of any of these people but I am trying to get this matter taken care of as soon as possible. There is an account from professional debt, southern management and top asset solutions. They appear to be collection agencies and now my credit is ruined because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX IS CURRENTLY & HAS BEEN IN VIOLATION OF MANY OF MY FCRA & XXXX RIGHTS!!!! XXXX XXXX KNOWINGLY & WILLINGLY REPORTS UNLAWFUL REPORTS TO MY CONSUMER CREDIT PROFILE!!! I PLAN TO TAKE ACTION & SEEK COMPENSATION PER VIOLATION!!! XXXX XXXX HAS CUASED DAMAGE TO MY CURRENT STATE OF LIVING & HAVING ACCES TO FAIR CREDIT! WHICH IS A VIOLATION!!! XXXX XXXX TAKES ADVANTAGE OF PERSON EXTENDING CREDIT TO ITS CORPORATION!!! XXXX XXXX IS CURRENTLY REPORTING MY CONSUMER PROFILE PASS 7 YEAR STATUE ALONG WITH INACCURACIES!!
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill is legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a responsible reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, excepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, my Paypal account got permanently limited by the company because I violent their rule, which means I can not do any transactions with my account such as receiving and sending money. I don't know what rule or section of their rule I had violated, so I ask them, then they just say that it is base in their confidential criteria. So I am shock I don't know what to do because I don't know what rule i had violated. Until now my money amounting XXXX stock in my account, I cant touch or withdraw it till now. When I emailed them to request to restore my account, seems like their reply is auto generated and they will not review the complaint at all.
Product: Credit card or prepaid card

I identified two fraudulent charged on my Discover statement to the card company in XXXX XXXX by phone. The charges took place on XXXX XXXX and XX/XX/XXXX respectively. Each charge is for {$1400.00}. I have explained there was a lag time in my reporting the charges as I had 6 or 7 credit cards open and all the balances were getting out of hand. I took out a home equity loan to pay off all my cards. That's when I noticed the fraud charges. I was told an investigation was started and charges were credited from my account temporarily. I called in frequently for status of the investigation and offered all the help I could. I was told the charges took place on a " square device '' by Discover reps. I was also told the XX/XX/XXXX charge was traced back to a hair salon in XXXX, Florida and the XX/XX/XXXX charge to a strip mall in XXXX XXXX, Fl. The merchant is listed as " XXXX ''. At one point Discover started to question my spouse, Mr. XXXX XXXX, who is not even listed on the account?! Repeatedly, we both assured Discover we have absolutely no knowledge of these charges. I was shocked when on XX/XX/XXXX " XXXX '' in Discover Fraud investigations informed me the investigation team determined no fraud took place. When I pressed him for the specific reasons he could not tell me only said that the " reassertion '' team knew that. That being said there was no way to speak to them??!! They send me a letter letting me know no fraud was found and I am to resume payments of XX/XX/XXXX.. again no reasons were stated. At this point I retained an attorney who sent a letter on my behalf to Discover explaining to they are in breach of contract and can not hold me responsible for the charges. I called in and was assured the letter was received and uploaded to their system. Then I was told Discover was still maintaining I am responsible for the fraud charges!!!??? They said a letter would be sent to me to this effect but not to my attorney??!! I am requesting that a full and through investigation into the charges be conducted. The only result is that the charges totaling {$2900.00}. be credited in accordance with the terms and conditions of the agreement regarding the treatment of fraud charges ASAP! My husband and I adopted XXXX babies from the state dependency system in XXXX. I work hard to pay the bills and keep my credit rating in tact for my family. Discover has been incompetent and at times deceptive.
Product: Debt collection

Ive been a victim of identity theft and there are 2 medical bills on my credit that keep sending in bad reports that is damaging my credit. Ive explained to them that it was not me and I have a police report with number, and they are still on my credit.
Product: Debt collection

I sent a letter to ACIMA CREDIT requesting that they " VALIDATE " a debt that they are attempting to collect from me. I specifically asked for a signed agreement not electronic signature and other documentation, ACIMA CREDIT provided me with billing statements which does not prove i am obligated to pay them anything. ACIMA CREDIT have reported delinquent information to the credit bureaus that i am asking to be deleted. The bill that was sent to me is not the same account thats being falsely reported to my credit nor does it have the right address.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Report and noticed that i had late payments on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payments fot he account : XXXXXXXX XXXX Account number : XXXX, please investigate and provide proof with statements showings that these payments were late. if proof can't be provide i demand these payments be updated on time as they should be as i was NEVER late. thanks
Product: Checking or savings account

They had my account restricted for two days now and I get my direct deposit from my job and I cant even access my money I worked hard for and its not fair because my XXXX XXXX is link to my SoFi account
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has a address on my credit report thar shouldn't be on there I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX MS XXXX I have tried to dispute this address n showed proof of my address but they still haven't deleted it its fraudulent address
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX XXXX : XX/XX/year> Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request, pursuant to FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ), that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. 

This fraudulent, inaccurate, and false information consists of : XXXX XXXX with a balance of {$4100.00} XXXX XXXXXXXX with a balance of {$0.00} XXXX with a balance of & XXXX XXXX with a balance of {$720.00} XXXX XXXX XXXX  with a balance of {$720.00} XXXXXXXX XXXX XXXXXXXX with a balance of {$150.00} XXXXXXXX XXXX with a balance of {$860.00} These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX [ Enter Complaint # from FTC report ] as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

Bayview mortgage placed forced insurance on my property. After providing them with proof of insurance they sent me an email ( page 5 of the attached ) indicating they have removed it. After filing a complaint with CFPB ( XXXX ) Bayview responded by saying they needed more information from my insurance company even though previously in their email they clearly stated what they had received was sufficient. In the meantime, Bayview still have not conducted an escrow review and because of Bayview 's actions my credit score has now dropped from XXXX to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

A letter was sent to Equifax disputing an erroneous reporting. In the letter it was stated and proof was provided that the other two credit reporting bureaus, XXXX and XXXX are not showing as well as XXXX XXXX. Equifax failed to correctly validate the matter and continue to report false information. The investigation results they say they received as accurate was from XXXX XXXX. I have attached the XXXX XXXX report showing that there is no bankruptcy being reported by them yet Equifax somehow is showing XXXX XXXX as verifying this information. This is erroneous information and false reporting.
Product: Debt collection

Credit Collection Services has damaged me being NEGLIGENT AND UNFAIR. Your company has committed the following damages {$10000.00} : failure to get mortgage, paying higher rates on loans, failure to secure funding, psychological hardship and suffering through loss of sleep and anxiety. I didnt know I was getting billed and there was anything due. I was charged incorrectly. 

Account information : Account number : XXXX, date Opened : XX/XX/2020, original balance : $ XXXX.Your company is committing multiple violations to the CCRA. Please read them carefully : Re-aging account. 
Reporting an incorrectly charged-off account. 
Unfair business practices. 
Failing to report correct last activity date. 
Negligence. 

This situation is very stressful and I am just asking for what is fair. I need you to take this matter seriously. I demand to get the account removed from all three credit bureaus. 

Please send the attached document to the company. 

Thank you.
Product: Vehicle loan or lease

Tesla is attempting to charge me for more miles than what the odometer reader states at the end of the lease. Furthermore, they will not respond or send me any alternative to make payment. 

I'm attaching the odometer document which was filled out by Tesla employee. The odometer reader was crossed out by Tesla employee and they are trying to overcharge despite this being a direct violation of the CFPB and XXXX XXXX XXXX. 

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

Three months into my car insurance plan they contact me and say they charged me the wrong price and tried to charge me with back payments to the current plan. Basically saying it's mt fault they the made an error after I done paid 3months of the policy already to charge me more I only had the the policy 4months three of those months I paid the 4th month when they informed me of wrong pricing the policy was canceled cuz I went to another insurance company policy was canceled so I don't owe these people for a mistake they made 3months into the policy I didn't call to make any changes so how could the price change 3 months into the policy and expect me to pay the back payment of that were already paid that they decided to charge me more for after 3 months