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

I signed up for the Barclays Arrival+ credit card specifically for its advertised travel cancellation and interruption insurance. I submitted a claim earlier this year, # XXXX to Barclays through the CFPB website. They misunderstood the complaint and immediately denied it. 

My trip was cancelled because of COVID ; this is clearly an acceptable reason pertaining to " travel cancellation and interruption insurance ''. The trip never started because of the pandemic. I provided Barclays Mastercard insurance with all the required documentation.

Barclays response noted they don't reimburse due to an airline filing bankruptcy. The airline only filed bankruptcy for their own financial matters ; the airline has NEVER stopped flying. The primary cause of the trip cancellation was COVID ; not the bankruptcy. 

I was penalized a {$300.00} per ticket charge ; and I am seeking {$600.00} reimbursement for the penalty fare imposed by the airline.
Product: Checking or savings account

I had been on the bus literally just buying a XXXX XXXX so that I could refund traveling via bus to XXXX XXXX, then I decided to go to the store and pay for some super glue and was informed by a person that I called at Bank of America that my account was closed I said that's rude I have been your customer since 1988 that long! they never even gave me a reason and just said they were going to mail whatever money I had any account back to me in a certified check and it had better be the right amount because that's not okay.
Product: Credit reporting, credit repair services, or other personal consumer reports

In  XXXX   2016  I went in search of a new car. My understanding is when you apply for auto loan in a 30 day time frame you would not be penalized for inquiries relating to  XXXX  possible car loan. Went to  XXXX  dealerships and  XXXX  of the  XXXX  obtained auto loan with  XXXX . For dealerships to run multiple companies to obtain best rate for themselves and supposedly mine I had no knowledge on all these inquiries along with  XXXX  to  XXXX  inquiries within a 30 day period all related to auto loan to which I acquired with  XXXX .     Had credit reported back 17 years reporting 2 years? Please report correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my three bureau credit reports through XXXX ; I've noticed a few inquiries and accounts on my credit report that I did not authorize. 

Accounts : Santander Consumer U - acct # XXXX - Date opened:XX/XX/XXXX XXXX XXXX- acct XXXX XXXX Date opened : XX/XX/XXXX XXXX XXXX- acct # XXXX Date opened : XX/XX/XXXX XXXX- acct # XXXX Date opened : XX/XX/XXXX XXXX  XXXX XXXX  XXXX acct # XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX acct # XXXX Date opened : XX/XX/XXXX Inquiries : XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXr XX/XX/XXXX XXXX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Student loan

I am a victim of identity theft and Granite State MGMT is unrightfully reporting a fraudulent account on my file. I have no idea what loan this is. I have also sent them my FTC and the company is refusing to remove this fraud account from my credit files. Nor I or anyone with my permission has opened this account therefore this is account is fraud. This account must be removed from my file due to identity theft.
Product: Bank account or service

I have an extended fraud alert on my credit file as I 've been the repeated victim of identity theft since XXXX 2016. Despite this fraud alert an individual at PNC Bank was trying to secure an auto loan for a 2016 XXXX XXXX from XXXX ( XXXX IL XXXX # XXXX ). As is standard when authorizing a hard pull the individual at PNC Bank accepted an inbound, not outbound, call and spoke to the criminal using my identity. This violates the fraud alert and compromises my identity and safety even further. The individual 's name was XXXX at PNC Bank and his direct phone number was XXXX. This employee of PNC Bank acted negligently and PNC Bank needs to immediately work with XXXX and have this inquiry on my credit removed. I 've filed an additional police report with local law enforcement.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 A hard inquiry that i have no knowledge about
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX XXXXXXXX Balance : {$3500.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2500.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXXXX/XX/year>
Product: Credit card

Dear Consumer Financial Protection Bureau Representative, I am submitting this formal complaint regarding an ongoing issue with Capital One involving an unjust restriction placed on my credit card account. The restriction was imposed on XX/XX/XXXX, following a recent payment I made from my brokerage account at XXXX XXXX. This payment was processed through XXXXXX/XX/XXXX, which serves as the clearing firm for XXXX XXXX. Despite my efforts to clarify the situation, Capital One has refused to lift the restriction until I provide a bank statement from XXXX XX/XX/XXXX. However, as XXXXXX/XX/XXXX is merely the clearing institution, I do not hold a personal account with them and can not obtain such a statement. 

I have offered Capital One alternative documentation, including my XXXX XXXX brokerage account statement and payment confirmation details, which clearly demonstrate the legitimacy of the payment. I have submitted these documents on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Additionally, I contacted representatives at XXXX XXXX, who provided a letter explaining the situation. I also submitted a voided check and multiple XXXX XXXX bank statements. Despite these efforts, Capital One 's representatives, including their supervisory staff, have repeatedly insisted on a document that does not exist and refused to escalate my case to someone with an understanding of brokerage-clearing firm relationships. 

Each time I submit the requested documentation, I receive a call from Capital One stating that I still need to provide a XXXXXX/XX/XXXXstatement. I have explained repeatedly that XXXXXX/XX/XXXXis the clearing firm and that I do not have a personal account with them. Capital One representatives have refused to contact XXXX XXXX directly to verify the legitimacy of my account and the payment. They insist that my account will remain restricted until I submit a XXXXXX/XX/XXXXstatement, which is not possible. 

This situation has caused significant inconvenience and stress, as my credit card remains unusable despite my good-faith efforts to resolve the issue. I believe Capital One 's refusal to acknowledge valid financial documentation constitutes an unfair and unreasonable business practice. 

I request the Consumer Financial Protection Bureau to investigate this matter and require Capital One to review their payment verification policies and practices. I also seek assistance in having my credit card account reinstated without requiring documentation that is impossible for me to obtain. 

Thank you for your time and consideration. I have copies of my XXXX XXXX brokerage account statement, payment confirmation details, voided check, and the letter provided by XXXX XXXX if you need that information, they have sensitive information. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Bank of America continues to ignore their feduciary responsibility regarding a charge back issue and a fraud claim that was made months ago. Without my benefits being available to me I've XXXX my place to XXXX And continue to struggle waiting for the Ridiculous game of Passion the buck between Bank of America and the XXXX to discontinue. The CFP should recognize the violation of banking rights and sanction Bank of America for violations They are currently being sued for in class actions throughout the US. By displaying the XXXX XXXX Bank of America and itself guarantees the 24 hour release of funds regarding fraud account added accounts and availability those funds to continue the necessary lifestyle the benefits offer Both my credit and personal belongings to been affected and it's my opinion that Bank of America should be sued once again for compensatory damages.
Product: Payday loan, title loan, or personal loan

Recently my family have been faced with unavoidable documented finacial hardships. My Wife " XXXX XXXX '' and I, informed XXXX XXXX of our finicial hardship. We ask XXXX XXXX to work with us and informed XXXX XXXX of our goal to avoid Chapter XXXX bankruptcy and pay our finacial obligations. In order to avoid chapter XXXX bankruptcy we would need XXXX XXXX to work out new repayment terms. We were unable to to Pay the excessive interest % rate on our loan and we were unable to Pay {$160.00} twice a month, which were deducted out of my bank account every pay day. 



I also e-mailed XXXX XXXX know I felt their lending feel within the guidelines predatory lending ... Do to the following at the time I applied for the loan my credit score was XXXX I am a Veteran in process of being a XXXX Veteran and they applied an excessive interest rate. 
XXXX XXXX has also threatened to sue me and refused to work with me. 
I have not recieved a default letter by mail nor e-mail XXXX XXXX responded by, '' stating my account would be refered to an attorney if I did not pay according to current loan terms '' and I would be sued for the remaining amount I owed on my loan ''. 
XXXX XXXX is refusing to work with us in regards to our documented finacial hardship. 
XXXX XXXX is refusing to work out an affordable repayment plan, so I can avoid Chapter XXXX Bankrupsy by lowering my interestrate and montly payments. 
I feel taken advantage of by XXXX XXXX I feel XXXX XXXX took advantage of a Veteran who had a credit score of XXXX when I was provided an excessive % rate on my loan and with excessive payments {$160.00} twice monthy equals XXXX monthly. 


I was never sent a default letter my email nor by mail, XXXX XXXX is forcing me into Chapter XXXX bankruptcy by refusing work out a repayment plan.
Product: Credit reporting

I disputed the negative information on my credit report starting XX/XX/2016. This month my negative accounts were deleted off my Equifax report along with my positive accounts. The only disputes I filed with Rquifax were to get my negative accounts removed and/or corrected. I did not authorize the positive accounts to be deleted or the negative items to be re added. I called customer service on XX/XX/2016 and spoke with XXXX. I asked her to please add my positive accounts back onto my report. She added my positive accounts back along with the negative ones that should have stayed deleted and then refused to correct it. I have attached proof below of the accounts being deleted.
Product: Credit card or prepaid card

I did an online purchase at XXXX XXXX XXXX for a sofa. Their website stated that they would charge a 50 % deposit once the order was confirmed by the local store and a swatch of the material was delivered. Instead they posted a pending charge for the full amount. I asked the eCommerce site to delete the hold and they did not. I asked Citibank to delete the hold and they stated that they could not do so, I can not do so, only XXXX XXXX XXXX can do. However I can not get anyone in XXXX XXXX XXXX to make the call to Citibank. In the meantime they placed an additional pending hold again for the full amount so now my credit line is reduced by XXXX. I cancelled the order and XXXX XXXX XXXX says the pending holds should drop off in a few days. They refused to make a call to Citibank. This is not acceptable. Credit card customers should be able to instruct the card company to delete pending holds. It is outrageous that we do not have control over that function. I need to buy new XXXX XXXX and the reduced credit line is preventing me from doing so. I need this fixed now.
Product: Debt collection

I opened an account with Wayfair. Their credit is with COMENITY-COMENITY CARD. MY acct number is ... XXXX. 
I paid the amount owed. However, every month the bill me for late charges. I paid at first because I did not want them to ruin my credit. I just kept getting late charges for months. 
I finally sent a final payment and asked them to close account. I received a letter stating that they closed my account. However, every month they bill a late fee. This is not any amount I owe on merchandise. It is only monthly late charges that I do not owe. 
Please assist me in getting this off my credit. I'm sure they are reporting that I owe when I do not. I've paid more than I owe in late charges on a {$0.00} balance account. Please HELP me resolve this sutuation.
Product: Checking or savings account

Someone intercepted XXXX XXXX  pmts we made to IRS and XXXX, and tried to divert funds. We notified bank BEFORE funds were released, and they stopped payment. It's been over 4 months and we have NOT yet been credited! They at first said it was under investigation, then said disbursement had been approved, but still no credit to our acct!!
Product: Debt collection

My Mom has been in a XXXX XXXX several years. While there she retained one of her credit cards. During that period she used her card to make purchases for herself and several family members and possible friends. 
I am one of her sons and I has the creditor send the bill to my address and for the past several years I have been helping her to pay her bill monthly. I have no idea how the balance got as high as it did ( approximately {$8000.00} I think ). But I can no longer help XXXX with her payments. I sent a registered letter to the credit card company to inform them of such and explain XXXX is in a XXXX XXXX  now. I also began receiving calls form what must be either a collection agency or an affiliate of the creditor. 
I am not a co-signer or authorized user of the credit card. I do not have DPOA over my XXXX, nor conservatorship or guardianship for my Mom either. I can no longer pay her bill, and Mom certainly can not. This is not my debt. I am getting calls on my cell now almost daily from a company named Elan Financial Services, I assume in behalf of XXXX XXXX XXXX  ( Name on her card ).
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX : XXXX XXXX, XXXX : XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Charge Off XXXX XXXX XXXXXXXX - {$140.00} XXXX XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$8900.00} XXXX XXXX - XXXX - {$1600.00} Late Payment XXXX - XXXX - {$2600.00} XXXX XXXX  - XXXX - {$470.00} XXXX XXXX - XXXX - {$280.00} XXXX  - XXXX - {$0.00} XXXX XXXX XXXXXXXX - {$0.00} Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

This account was opened while I was XXXX. I didnt open or authorize this lease
Product: Debt collection

XXXX XXXX Hospital. Service Date XX/XX/XXXX. 
Indicated patient part due XXXX. Paid on XX/XX/XXXX. 
Never had any documentation or bill sent after that. No phone call, No bill. 
Then on Saturday, XX/XX/XXXX, I received a bill from a collection agency. 
XXXX XXXX XXXX because I had insurance, they said they never received a bill from the above hospital. I have requested by phone and fax that they ( XXXX ) send me an itemized bill, and they have yet to do that. People don't want to do there job, so its just easier to set it aside and wait right before the statue of limitations is about to run out and then turn it over to a collection agency. The bill could have been paid off by now, and not be on my credit report. There are tons of people out on the internet that companies are using the " Parking Practice '', rather than spend time trying to collect it. There should be procedures in place that they have to follow as well. Three times and you're out. Then turn them over to collections.
Product: Debt collection

This complaint against XXXX XXXX XXXX XXXX XXXX for deceitful and unethical practices on collection action. In XXXX entered into a stipulated agreement for the amount of XXXX for $ XXXX. During COVID, my income became severely challenged as a result of increased expenses, depleted resources and caring for myself and family. The agreement was to make payments via check and/or money order monthly which became extremely difficult. In addition to caring for myself and family, where the entire household became ill I tried effortlessly to make payments to maintain my agreement. Nevertheless, in XXXX I received a phone call from said collector indicating that A default judgment eas entered for lack or failure thereof to make payments in a timely manner. At the time, I was dealing with medical issues for myself without compensation, which I advised the representative for XXXX XXXX XXXXXXXX I received no updates from the courts with regards to the judgement to dispute at the time due to the courts being closed to the public, severe backlog and trying to care for myself, an elderly parent and a child. Nevertheless, I spoke to a representative who states that documents would be sent, needed to be signed and to continue making said agreement amounts of {$50.00}. I continued to oblige to continue to make payments, where I can injured again resulting in an extended medical leave without compensation. I tried to toggle food, water and shelter and paying my bills until XX/XX/XXXX until I just couldn't manage paying any payments. I tried at the time to advise the reps at the agency, but their extremely rude, disrespectful and conduct their law firm with unethical business practices. I tried to reach out to Toyota as well whom the XXXX XXXX XXXX is hired by and have yet to receive a response. Ive been had little no income since XX/XX/XXXX to XXXX of this year after returning to the workforce. There has been absolutely no correspondence received from XXXX XXXX  XXXX since the phone conversation in XX/XX/XXXX when there was an issue with payment and them being advised that I was on medical leave until XXXX of XXXX, receiving paperwork from XXXX XXXX XXXX XXXX for income XXXX and garnishment in the amount of {$11000.00}, which is way more than the agreed amount, no deductions of the payments made in the mount of XXXX XXXX I contact the attorneys office requesting a copy of the stipulation all payments made and have yet to receive. I have also filed a complaint with NYS attorney general office for Unlawful and unethical business collection practices from this law firm hired by Toyota Motor Credit. I need for initial agreement amount to be reinstated, this judgement to be dismissed, the levy to be removed, a DEDICATED REP from TOYOTA to handle to my account to resolve this issue amicably.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, my cell phone was hacked by someone posing as an XXXX XXXX representative. I called their number obtained from XXXX search. I was immediately asked to download an app, Anydesk Remote Desktop, to allow them to check my phone to determine why one XXXX XXXXc and Arcade games were not working with my XXXX TV account. Halfway through the call, I was asked if I had a Cash App and if it would be used to validate my authenticity. So codes were immediately texted to my phone for me to enter into my Cash App account. After questioning why this needed to be done, I was told suspicious connections had been established on my phone. So I thought that they needed the information to remove those connections. When I continued to ask questions, the call ended immediately, and the two pending transactions in my Cash App were no longer pending. 
An {$1800.00} fraudulent transaction was also processed using my Cash App. My local bank has temporarily refunded that amount pending further investigation. 
Before XXXX, there were two pending transactions ( {$100.00} received on XX/XX/XXXX and {$150.00} received on XXXX ) in my Cash App. 
I immediately contacted Cash App XXXX to report what had happened and submit a claim. They investigated and determined that I had authorized someone to use my credentials. On XXXX, I contacted Cash App XXXX again and asked if I could share documents to substantiate my claim, but they never responded to that request.
Product: Checking or savings account

I am writing to file a complaint against navy federal credit Union regarding multiple late fees/ /overdraft fees/ pending payments/fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagging posting of charges and credits. This aligns with the recent CFPB findings against Navy Federal for similar practices where finances settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation in my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out to Chase bank regarding inquiries dating back to XX/XX/XXXX and have nit heard anything back as of yet. There are now 4 inquiries from Chase bank that i did not authorize, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I gave sent 2 letters the. Chase, 1 in XXXX and 1 XX/XX/XXXX. I have not heard anything back and the inquiries remain on my reports.