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

I opened a Barclays XXXX credit card ending in XXXX on XX/XX/XXXX to earn XXXX XXXX points on my purchases. On or around XX/XX/XXXX, I noticed that I could no longer use the miles that I earned from my Barclays credit card, therefore I stopped using my credit card. This is not the first time I've encountered an issue with Barclays. In XXXX, it took approximately 6 months for my XXXX points from a different credit card to be awarded to my account. 

Understanding that there has been a pattern of XXXX ineptness from Barclays Bank Delaware, I waited a while to see if the problem would fix itself. 

On XX/XX/XXXX, I received an email notifying me that my XXXX XXXX rewards account had been involuntarily terminated and my rewards forfeited. After reading through the relevant terms and conditions, I do not see a provision where my rewards account can be terminated and my rewards points forfeited. 

As I earned approximately XXXX rewards points through this credit card, industry expert " XXXX   XXXX XXXX '' values these at approximately {$850.00}. Additionally, I paid an annual fee for this card in the amount of {$95.00}. 

Since I can no longer earn rewards on this card that is heavily advertised as a rewards credit card, it does not seem right to pay Barclays Bank Delaware a fee when I can not use the rewards. It seems like this product has been deceptively advertised as a rewards card when Barclays XXXX their vendor can confiscate my rewards without any warning while also charging me to do so.
Product: Vehicle loan or lease

XXXX XXXX is a company that I want to get a car 2021 Mitsubishi Maroge and I has so many issues with that loan. It just never fails I feel like I never was paying anything I was paying over {$3000.00} towards the car and it still interest is kept going and the person that sold me the car it was if you already he did some things of saying dont tell the bank that youre going to get the car because I had a cosigner and the person surrendered the vehicle I did not surrender the vehicle. I told him that I no longer can afford the payments and he never told me that he was going to run to the vehicle. His name is XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX Date of Birth : XX/XX/XXXX SSN : XXXX TransUnion Consumer Dispute Center XXXX XXXX XXXX XXXX PA XXXX **Re : Dispute of Hard Inquiries** Dear TransUnion, I am writing to dispute the following hard inquiries on my credit report : * XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX * XXXX XXXX XXXX  on XX/XX/XXXX I did not authorize these inquiries, and I believe they are fraudulent. I have attached a copy of my credit report for your reference. 

Please remove these inquiries from my credit report as soon as possible. I look forward to hearing from you soon. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX **Attachment : Credit Report Screenshot, Photo ID, Social Security Card, Utility Bill **
Product: Credit reporting, credit repair services, or other personal consumer reports

several items on credit report over 7 years old
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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
Product: Credit reporting or other personal consumer reports

I PULLED MY TRANSUNION CREDIT REPORT AND NOTICED SEVERAL ACCOUNTS THAT DO NOT BELONG TO ME. THEY ARE FRAUDULENT AND NEED TO BE REMOVED FROM CREDIT REPORT. PLEASE REMOVE ACCOUNTS. I HAVE SPOKE TO THE CREDITORS AND THEY HAVE NOT DONE ABSOLUTELY NOTHING. ITS BEEN OVER XXXX MONTHS PLUS AND NO RESPONSE. MY INFORMATION IS REPORTING INCORRECTLY ON EACH BUREAU.
Product: Credit card or prepaid card

A {$49.00} charge was made to our credit card through USAA on XX/XX/XXXX. Ordinarily, my wife and I never use this card, but it was linked to our XXXX XXXX account and inadvertently charged. That was our fault, of course. 

Previously, in XXXX, we had transferred a balance to that USAA card and set up a monthly charge using USAA 's autopay feature. That continued until the balance on the card was ultimately paid off in XX/XX/XXXX. However, around XX/XX/XXXX, when notified by the USAA app that an autopay charge was about to be incurred, my wife used the USAA app to increase the amount of each monthly payment. This continued until the balance was fully paid. However, evidently, increasing the payment amounts each month -- when prompted to do so -- resulted in a cancellation of the monthly autopay without any warning and without our knowledge. 

Between XXXX and XX/XX/XXXX, there were no charges incurred on the card until XX/XX/XXXX, when the {$49.00} charge was incurred. USAA sent a statement on XX/XX/XXXX via email that shows the charge, but I likely did not even bother looking at the statement -- and I certainly didn't worry about it getting paid -- because I reasonably assumed that the autopay feature was still enabled. However, today I discovered that it was not, in fact, automatically paid, and I have concerns that the late payment was reported to a credit reporting agency. 

After spending more than an hour on the phone with USAA representatives, they refused to take any responsibility for the fact that their app disabled the autopay feature without notifying us or to assist in correcting the credit reporting error for late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have 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.
Product: Bank account or service

XX/XX/XXXX I transitioned to a new job. My final paycheck from my previous employer was delayed and with several items due on XXXX/XXXX/16 including state taxes, I opted to cash a convenience check from XXXX XXXX XXXX/XXXX at Chase bank. The check was deposited on XXXX/XXXX/16 and returned by Chase on XXXX/XXXX/16. XXXX XXXX maintained that the check was cashed. Chase maintained that the check was returned. I have been stuck in the middle without the requested funds or a credit to my XXXX XXXX for two billing cycles. I have incurred interest charges and fees on monies posted to the credit card, incurred late fees on items including mortgage payment and have outstanding payments due ( including late fees ) on several outstanding items as I have tried diligently to resolve this. Additionally, I have spent HOURS on the phone and in the Chase branches on 3 occasions trying to find a solution. I have no idea how one would " compensate '' me or " make me whole '' from one of the most frustrating situations of my adult life.
Product: Mortgage

I had a mortgage with Nationstar and in 2012 they approved a short sale and it was complete XXXX. However, they did a new update in XXXX for no reason even though the short sale was complete. This is affecting my financing since they have a recent report date due to this fact.
Product: Debt collection

Complaint goes for both Amerifinancial solutions for {$3500.00} and XXXX XXXX XXXX XXXX FL XXXX on XX/XX/2020 {$920.00} I don't recall ever borrowing anything or owing anything to anyone for sure need it disputed as same goes for this Company Amerifinancial solutions for about {$3500.00} that I never recall borrowing, owning or associating with ever and I need this also disputed. Also I says on my XXXX XXXX XXXX XXXX the middle name needs to be XXXX instead of XXXX. My new phone number on my credit report is XXXX I'm locked out of XXXX at the moment and their shouldn't be any other cell phone number on file. One more thing is the only address on file Should be XXXX XXXX XXXX XXXX FL XXXX all other addresses need to be deleted and disputed immediately thanks. - Best regards XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to property investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

I have filed for backruptcy and informed the credtors to this fact and gave them the attorneys number. They have stated they do not have to contact the attorney and since the debt has been written off they do not fall under these rules and can keep contacting me.I have this issue with LVNV, XXXX XXXX, and XXXX XXXX XXXX.
Product: Credit card or prepaid card

I have made payment every month well over my minimum payment. I have Never missed a payment and I have never been late. I always make the payment on or around the same day every month. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I made my last payment on XX/XX/XXXX. Less than XXXX weeks later on the XXXX ( unknown to me ) American Express requests another payment. By the time I realized they were requesting a payment sooner than a month it was XX/XX/19 I was notified I was XXXX days late and my card was on hold. I was confused why I was XXXX days late on XX/XX/19 when I had made a payment beyond my minimum on XX/XX/19 exactly a month earlier. I called their customer service several times and messaged them on XXXX but I was never able to get an explanation why I would be considered late on the XXXX if I paid XXXX weeks earlier. To this date still no explanation. Seems like they are unfairly asking me to pay sooner than I pay every month. Again I pay the same day every month and I always pay well beyond the minimum payment. Please help this cant be legal.
Product: Credit card or prepaid card

Hi, My name is XXXX XXXX on my Macys/DSNB account that was opened XX/XX/XXXX. There is a late payment for XX/XX/XXXX that I for sure know I paid. I complained to Macys on several occasions leading up to the payment due date that their processor was having issues with my bank and that it wouldn't accept my payment/ it wasn't going through. There was no bill sent to me or no notification up to the payment date however if you check my credit is is flawless. From when I had this account opened in XXXX up to XXXX there was never a late payment or missed payment except this 1 which is on Macys fault. I am trying to go for a mortgage loan and this is severly hurting my credit.
Product: Checking or savings account

I opened an on-line savings account with PNC on XX/XX/2023. I transferred in funds from my XXXX bank account of {$1000.00} and from my XXXX Account for {$2000.00}. A total of {$3000.00} was eventually credited to this new savings account by XX/XX/XXXX. Then on XX/XX/XXXX my on-line statement showed a withdrawal of {$1000.00} I did not make this withdrawal nor did I authorize it. PNC says it was an ACH withdrawal by my XXXX bank and therefore not their problem. When I spoke with my XXXX bank they were quite adamant that no one can authorize a transfer of funds without the account holders permission. Furthermore they did not request this transfer of funds nor do they have any record of it and it certainly hasn't been put back into my XXXX account. PNC will not take any responsibility for what i am surmising is an accounting error of some type on their part. Instead they say that because it was labeled an ACH withdrawal they are not responsible. So essentially they have stolen, or lost, {$1000.00} of my money by dismissing this as XXXX Banks problem. Since XXXX bank did not request money from me nor have they any record of receiving these funds I am essentially stuck in limbo for getting my money back. This is outright fraud and theft on PNC 's part.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I withdrew {$500.00} from a {$1000.00} line of credit I opened with CashNetUSA to pay an emergency bill. On XX/XX/XXXX I withdrew {$500.00} from the line to pay another emergency bill. When I had {$300.00} withdrawn from my checking account on XX/XX/XXXX in payment I was stunned & called their XXXX to find out if the minimum payments were always going to be that much, I was told by the representative that the next payment on XX/XX/XXXX would be for {$350.00} & none of these payments would reduce the principal at all. The representative told me this was disclosed to me & I do not believe I was given a detailed disclosure with clearly written examples when I foolishly opened the account. Very sorry. These payments are exorbitant & earn the title of " Loan Shark '' for CashNetUSA. A portion of these outrageous payments should be applied to the principal. I am elderly & depend on a monthly Social Security payment. Please see that others are warned about this " business ''! Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance : {$8400.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXXXXXX XXXX
Product: Debt collection

Got a phone call from XXXX, claiming to represent XXXX XXXX over an alleged debt from 2002. The whole issue at the time had to do with a bank error, and I turned it over to a consumer protection agency then. This company, when I tried to explain this, just said, okay then we'll just file the judgement. They also claimed to have sent a letter to my mailing address. I saw no such letter. 
They are of course a scam.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXXXXXX XXXX distrustful on _ XX/XX/year> is an unconfirmed inquiry, not as of yet proven to be with the necessary adequate and needed achieved lawful Permissible Purpose, and or is not factually true docile certifiably obedient as it is currently reported. Please DELETE from XXXX XXXX of XXXX reporting forthwith! 

XXXX XXXXXXXX XXXX Closed NEGATIVE Other/Unknown Accounts DEROGATORY LATES-related accounts Balance on this account is inaccurate please remove and investigate do not stall letter me XXXX XXXX XXXX XXXX XXXX XXXX XXXX Asked XXXX to investigate this account and they sent me stall letter please remove it and stop violating my rights XXXX XXXXXXXX XXXX XXXX XXXX Refused to investigate account told me it was verified but did not provide verification upon request in a timely manner XXXX XXXXXXXX XXXX XXXX XXXX Refused to investigate keeps sending stall letters violating rights XXXX XXXX XXXX XXXX XXXX Incorrect information no investigation and sent stall letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed an item with you ( XXXX XXXX XXXXXXXX/ Reference # XXXX ), and in your response you verified the item as accurate, stating that you have verified by XXXX XXXX, but the information was reported by US Bankruptcy Court . I have enclosed for your review by the court. It is clear they do not report to you or any other credit reporting agencies. Therefore, your original response to the accuracy of the item was inaccurate because it was reported as a discharge to the credit reporting agency by the court, which they clearly do not. Also, it states that I have been discharged which I have not been, only filed on XX/XX/2022 not XX/XX/2022 as the letter states. Pursuant to the reporting requirements, the reporting does not comply with FCRA ( 15 USC 1681 and 1681i ) 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING : The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
In Addition : ( 15 USC 1681i ) Procedure in Case of Disputed Accuracy ( 5 ) Treatment OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Also, I did not give you written permission to obtain and furnish my personal information to the consumer reporting agency. 
( 15 U.S. Code 1681b - Permissible purposes of consumer reports : ( a ) IN GENERAL SUBJECT to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I did not give you written permission to provide any information for my consumer report.
Product: Vehicle loan or lease

Have been leasing a number of XXXX cars, my last lease that was over in XX/XX/XXXX. There was a disposition fee of {$390.00} that is paid when the lease is over and is usually mailed to address on record. I never received that letter so I can pay the bill, I have always been on time with them including all car payments for years and all disposition fees if applicable. In XX/XX/XXXX, I received a mark on my credit report saying i have a missed payment. I immediately called them and paid, and also tried for them to take it off the credit report as I never received the letter with the final bill, which I would have paid without a problem. This crushed my credit report and it took me over a year to return to normalcy more or less. I tried again get it removed and XXXX XXXX XXXX said they do n't want to do anything. It is still showing up on my report. Please help. I never missed a payment to anyone since I was XXXX years old, so almost 20 years.
Product: Credit reporting or other personal consumer reports

I was trying to get a loan for my business and realized i had damages on my credit report and acording to the 15 U.S.C 1681b law there should not be any damages on my credit report. It is a defamation of character
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, My name is XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like XXXX being taken advantaged of and being unnoticed. Section XXXX ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.
Product: Debt collection

I disputed this debt numberous times. This debt does not belong to me. 
This false reporting is a clear violation of Public Law 104-191 ( " HIPAA ''  ) since there can be no permissible business purpose in divulging protected health information to anyone on an account once there is no longer any payment due.In addition the new Omnibus Final Rule states : when patients pay out of pocket in full, they can instruct their provider to refrain from sharing information. 

Please delete from my credit report. 

Thanks
Product: Student loan

I just learned about Navient being sued for cheating borrowers and having read the complaints, I fit the description. Originally, I just thought this was just how student loans were so I thought it was the norm. Navient has done the following that was either misleading, inaccurate, or just plain ignoring me : 1 ) I sent several emails through their self-service contact form, but never ever received a response back, phone support denied that any were ever sent, but you have to be logged in to submit the contact form. Unfortunately, I have no proof that I submitted the contact forms since they do n't send you email confirmation or show a form # when submitted. Just that it 's submitted. They have no listed contact emails and their only emails are no reply emails. 
2 ) Phone support lied and gave me inaccurate information from their website in their FAQ section. I graduated in XXXX of XXXX, so my grace should 've ended in XXXX depending on the loan, which they were based on their website. But when the time passed, I saw online that it was pushed to XXXX XXXX without any notice or indication that there was a change. I asked about it and they did not give me answer other than the grace period is what it is and was not changed as it is based off your graduation date. Grace is clearly 6 months, so how is it possible that grace period was pushed another 6 months when my graduation date is easily fact checkable and verifiable. They obviously wanted to pull the wool over my eyes so I would keep paying the minimum so they could accrue more interest. 
3 ) Due to the high loan interest and recently having a daughter, the impending monthly payment was going to be too much though this was before I found out that grace period was pushed, but I called to see if I could look into rate reduction. They said I can only claim forbearance if myself and co-signer call for bankruptcy which sounded ridiculous since their website says there are options to help you, not make things worse. The next day, I get an email that my request for a new repayment plan was denied, but I never requested a new repayment plan, I just wanted to inquire. I did not consent to applying to anything new. 
I am so glad someone is looking into them because for years I thought this was just the norm and to XXXX it up, but I 'm glad I 'm not the only one being wronged by this company and that action can be taken. To reiterate, I have been misled, misinformed, lied to, and ignored by Navient.