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

I recently received an XXXX XXXX XXXX Mastercard from Barclays. I promptly signed up for autopay. On XX/XX/XXXX, Barclay 's sent me the email below. 

XXXX XXXX Account Ending : XXXX Cardmember Since : XX/XX/XXXX (? ) Thank you for enrolling in repeat payments Your Card : XXXX XXXX XXXX Mastercard from Barclays Payment amount : Your statement balance amount Scheduled for : Your due date Bank Account Name : XXXX XXXX XXXX XXXX - XXXX Your first withdrawal date will be on XX/XX/XXXX, thereafter a repeat payment will be made on your due date each month. 

Since Barclay 's acknowledges that they received my payment **on the due date**, how do they have the NERVE to charge me a " late fee '' THREE DAYS BEFORE THE DUE DATE?
Product: Checking or savings account

I WANT MY MONEY BACK I HAVE BEEN WAITING 5 MONTHS I HAVE MADE POLICE REPORTS BUT THE WAY THE CAMERA WAS POINTED DID CATCH THE THIEF.SO THEY COULD NOT CHARGE NOBODY.
Product: Mortgage

My husband and I have recently successfully completed our chapter XXXX bankruptcy. During the bankruptcy the company demanded large payments throughout the entire year of XXXX of a total sum of around {$44000.00} that has not been accounted for. Toward the end of our bankruptcy we received letters from the mortgage company who took over or bought or loan stating our current mortgage, escrow was substantially increased and they demanded payment and recently we received a certified letter dated XXXX XXXX, XXXX, that they have not received most of our payments for XXXX and a ( Notice of Default and Notice of Intent to Foreclose ) on our property. Our bankruptcy attorney reached out to the company and so did I, but the company would not return or respond to our concerns or answer any of our questions. The company is asking for a sum of {$13000.00} which continually fluctuate. The company also said they did not know of our chapter XXXX had been discharged, but a CERTIFICATE OF NOTICE was also sent to their location. I have a letter that I 'm going to forward to their office which their office would prefer me to fax. I asked if they had a physical address and the reply was no they are a call center. I have supporting documents to validate that their accounting is not accurate. My loan is a conventional fixed loan, so I do n't understand the increased amounts of our monthly payments ; increased principal balance we owe ; increased escrow account ; the company is refusing to accept conforming payments an imposing unreasonable charges, fees and other charges I do n't feel we are legally obligated too. Please investigate this case I will forward the supporting documents I have. 
Sincerely,
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I have included the proper documentation with my report. There are inaccuracies with both inquiries and a XXXX XXXX account that need to be removed from all 3 credit reports XXXX XXXX and Transunion
Product: Credit reporting or other personal consumer reports

Since XX/XX/year>, I have filed five dispute investigations to address this issue, including two factual disputes with supporting documentation and 1 CFPB complaint. yet Experian has failed to correct the reporting. The account keeps coming back verified when that is not the issue on the account. For over a year, this XXXX XXXX charge-off has been reported inaccurately. Each month, Experian moves the charge-off date to the current month, which falsely makes it appear as if the account is newly charged off each month. I can not get approved for any new credit because every month my credit score takes a hit with a fresh derogatory mark. This practice misrepresents the true status of the account and significantly harms my credit standing. This manipulation of the charge-off date is misleading and appears to be in violation of fair reporting requirements under the Fair Credit Reporting Act. I respectfully request the CFPB investigate Experians reporting practices and require them to accurately reflect the account.
Product: Consumer Loan

As part of a new lease agreement that I made through my dealership, I agreed to pay the remainder of my lease payments on my existing lease to the dealer. I signed the documents, furnished a lump sum for the remaining payments, and took delivery of the new vehicle and returned my old vehicle the next day. 

At the end of that week, I received a notification that my payment on the previous lease had been taken out of my bank account. I called Ally Financial, explained to a customer service representative that I had returned the vehicle under that lease to the dealer at the beginning of he week, and that I had paid the remaining lease payments as part of my new agreement. After belittling me and telling me that I still owed the payment as well as the remaining lease payments as if I had n't just explained the situation XXXX different ways, the customer service representative told me that I might want to call my dealer because they have no info showing that my lease had been terminated. 

I spoke with the salesman that I had dealt with throughout the lease process, and he told me that the processing might take some time. Now there are XXXX parties pointing fingers at one another. I called back Ally a week later, and spoke to another customer service representative who told me that they had received the remaining lease payments and notification that the lease had been terminated. Good, so how about refunding my extra lease payment? Ally refused to do that. They told me that they would evaluate the situation after the car was sold at auction and decide then whether to refund me the EXTRA payment. Again, they told me to talk to my dealer. 

I left my salesperson a more somber correspondence because at the point I had become more than frustrated. I missed a package delivery from Ally financial later that week, which I expected to be my refund check. I went to the post office today to get the package, and of course it was n't a refund check. Rather, it was a notice of intent to sell my vehicle advising that I order a XXXX party appraisal on the vehicle in case there is a dispute over the value. I see where this is headed. I returned my car with no scratches, dents, or issues with under XXXX miles less than the lease agreement allowed. And I have not been in possession of the vehicle for almost a month so I have no clue how they would expect me to obtain an appraisal at this point. 

Refusing to return an over-payment is n't only unfair, deceptive, and abusive, it 's consumer theft. I have paid every single payment for almost three years on-time and took wonderful care of the vehicle for the duration of the lease. I had considered purchasing the car at the end for the initially agreed on price, because it is probably worth much more than that number given the condition and the lack of miles. Unfortunately I made a grave misstep and now I 'm stuck being given the runaround by a predatory financial institution.
Product: Credit card or prepaid card

I Have Already addressed Best Buy about the late fees that have been applied to the card. 

I experienced a time when I called just about 2 hours after after the due date time. 
At that time, I was assisting my mother as she was ill, there was no internet service where I located thus not allowing me to perform
Product: Credit reporting, credit repair services, or other personal consumer reports

It is a hard inquiry. It doesn't show any amount or any dates. I haven't checked my credit in years but when I look on my report it's a lot of things i do not recognize at all. I did have someone do some fraudulent things with my SSN.
Product: Debt collection

6 accounts from wakefield associates are reporting repeatedly on my credit report unknowingly and fraudulently..I reached out to see if the company can provide proof of this instead more late payments just getting piled up and its destroying my life and future I really need it removed and they won't honor the fair credit act. The burden of proof I 's not on me and they are neglecting that fact without writing my team back on the situation. I CANT EAT A BOWL A SOAP ON CREDIT DUE TO THIS
Product: Checking or savings account

Checks that I did not authorize was deposited into my account I called citizens bank because I did not recognize the checks I asked them to stop it they told me they couldnt stop the checks yet because they have to wait for the checks to clear now they are trying to get me to pay the money because the check was deposited they telling me that I had to pay bounce checks back to them that I never even use in their people couldnt even take out my accountXXXX  my account is closed I cant open a bank account until the money gets paid
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted this bureau several times regarding these unauthorized hard inquiries that are not mine.It has been well over 60 days and I have no received any response via phone or thru the mail. The customer service would not help in removing any of the negative inquiries reporting to my credit report. 

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

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts there is some inaccurate information reporting. 
XXXX XXXX  Account XXXX XXXX Delete this account. 
15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  Account # XXXX Please remove it from my credit report. 
15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Delete this account. 
there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXXXXXX Delete this account. 
15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX Delete this account. 
15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  XXXX XXXX XXXX Please remove it from my credit report. 
15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX XXXXXXXX XXXX Please remove it from my credit report. 
there is some inaccurate information reporting. 
XXXX XXXX XXXXXXXX XXXX Delete this account. 
15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXXXXXX XXXX Account Number : XXXX Delete this account. 
Personal information is incorrect XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX az XXXX
Product: Mortgage

Initially I had applied for jumbo loan and Chase issued me GFE. Later they changed my loan type to conventional but not issue me GFE until the closing table. 

Chase thinks they shared GFE with me but I never saw the GFE numbers till closing table. 

Per XXXX/, Chase is required to issue GFE within three days of application. Else they can not charge any closing costs. But they charged bunch of closing cost items. 

Hence I need all closing costs refunded.
Product: Credit reporting, credit repair services, 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 U.S.C 1681. 

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 Has Violated my rights. 

15 U.S.C 1681 Section 602 A. States I have 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.

15 U.S.C 1681c. ( A ) ( 5 ) section states : No consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than records of convictions of crimes with antedates the report by more then 7 years. 
15 U.S.C 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the persons know or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I contacted XXXX, XXXX, and Equifax to request that a bankruptcy from XXXX be removed from my reports. All XXXX agencies refused advising that this would remain on my report for XXXX  years. 

I have notification from the Bankruptcy court that states that they do not provide information to XXXX parties. Under the Privacy Act of 1974 and 15 USC 6802 Right to Opt Out. Any authorization that you believe that you have, you no longer have as I opted out per 15 USC 6802. 

I am a resident of Missouri and my rights have also been violated under the Missouri Right To Financial Privacy Act : XXXX My financial records can only be accessed with my consent by a Governmental agency when then Government Authority seeking has given notice in writing. 

XXXX Financial institutions may not disclose, exception : XXXX as outlined above. 
XXXX Customer authorization required. 
XXXX Transfer of records to additional agency allowed when XXXX notice is provided This transfer can only be allowed to further a legitimate law enforcement inquiry
Product: Credit reporting or other personal consumer reports

My Experian credit score dropped over XXXX points from XXXX to XXXX. It states that I have either a serious delinquency, which I do not, or a derogatory comment. I have my credit report in front of me. It states number of accounts with this is 1. I have no idea what this is? I have an immaculate credit report. 66 pages of extraordinary payments ect. There has to be an error. When I ask them to please tell me what the derogatory comment is, they won't! I'm not sure how to investigate or contact anyone to fix it, not knowing what is going on. I had a XXXX XXXX  and thought it was possible XXXX XXXX. I called them and they said yes something seems off, but I received not response from them. However, Experian said they have settled it, but nothing changed. So I'm not sure if that had anything to do with it or not. It's very concerning, becuase I have had excellent credit for 50 years and for there to be something that I can't even get information on is frustrating. Isn't there a phone number to call that someone can see my credit report and tell me what is on there that is incorrect? 

Thank you!
Product: Mortgage

My due date is the XXXX and they made me take a checking account so they could take it directly. 

If XXXX falls on a weekend they do not take the payment until following week which costs me extra days of interest. I asked them why they dont backdate because this is wrong the $ $ were to you on time. The following are the dates they didnt credit payment on the XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and as of today XX/XX/XXXX they have yet to credit the payment and its XXXX est. 

My payment is {$XXXX} per month. 

Credit cards and other companies including my XXXX Mortgage take all payments on due date regardless if its a Saturday or Sunday. If XXXX is doing this to All their XXXX  Loan payment/Mortgage clients those $ add up and I would like someone to look into it as I have spoken to them a couple of times and they could XXXX explain to Me why this was happening. So its obviously a systemic and needs to be looked into.
Product: Bank account or service

Chase Bank closed all of my accounts without providing a reason. When I ask for an explanation all that I 'm told is, Chase has decided that they no longer want do business with you and we have terminated our relationship.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a complaint on numerous occasions against XXXX XXXX with equifax. The account shows to be opened and XXXX XXXX is reporting the account is missing payments every month but the vehicle was voluntarily surrendered by me and sold by XXXX XXXX  in XXXX of this year. XXXX from the complaint department has been handling my complaint. She is very unprofessional, not knowledgeable at all and refused to get me a supervisor when I demanded one several times on more than one day. Everytime I call XXXX XXXX they route me to XXXX and its unbelievable that someone so incompetent of their job is handling my complaint in the first place when I have asked for supervisors who are more knowledgeable of this situation. I no longer have the vehicle it was sold in XXXX the account is suppose to report CLOSED due to voluntary repossession. XXXX stated that there is nothing that they can do and to contact equifax. Equifax stated that I have to contact credit acceptance. No one is helping me. This is my 2nd complaint.
Product: Prepaid card

I've been using American Express prepaid gift cards for years, and as of XXXX  American Express is blocking transactions at all major retailers. AmEx has admitted to me that they block online transactions at XXXX, XXXX, XXXX XXXX, XXXX, XXXX, etc so it's making the card close to useless. I can't get the card to add to XXXX XXXX about 95 % of the time, and when I do get it added it just fails when trying to use it at stores like XXXX XXXX and XXXX. Again, I'm very experience with these cards and I've been using them for at least 10 years, and as of XXXX  they are nearly useless. I can only get them to work when I physically swipe at some merchants, so this severely limits how I can use it. They say it should work at online retailers but it does not, and it is AmEx that is blocking it's use.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX XXXX XXXX  XXXX {$430.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In the summer of XX/XX/XXXX, I was asked to leave the campus of XXXX XXXX University ( XXXX ) in XXXX, TX due to a XXXX XXXX XXXX issue. I was, at the time, living in a set of apartments on the campus of XXXX that were owned by XXXX XXXX XXXX, XXXX. The property on which the apartments were located was owned by XXXX and so when I was asked to vacate the XXXX property I was forced to leave my apartment due to it being geographically located on XXXX property. I did not do anything to break the lease agreement of the apartment complex and I reached out many times to verify that they had filled my " unit '' to which I could not get an answer from the management service themselves. These apartments were leased out by the room in a " pot-luck '' roommate fashion and so I really only rented out one room or " unit '' in that apartment. Upon my departure, I confirmed with one of my previous roommates that my " unit '' or bedroom had been rented out to another tenant just under a month after my vacating the premises. My last payment to XXXX XXXX XXXX was in XX/XX/XXXX or XX/XX/XXXX but the date that the account was reported to be open on XXXX, Transunion and XXXX is XX/XX/XXXX. This account has been on my credit report for nearly seven years, in error. I have since received treatment for my XXXX XXXX XXXX, I have been in recovery from all XXXX XXXX XXXX for nearly 4 years and am currently in the process of getting ready to purchase a home. I discovered that the remainder of the rent that I would have owed if I stayed in that apartment had been reported against me to the credit bureaus, such as XXXX, Transunion and XXXX, and I now have a {$4400.00} charge sitting on my credit report. I have done some research and found that the apartment complex is not allowed to collect double rent on any unit at any time. I feel that these fraudulent charges have been placed on my credit report in error.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX 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, experians 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 XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
XXXX XXXX that starts with XXXX and XXXX XXXX that starts with XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These account on my credit report are misleading and false. XXXX, equifax and XXXX  has a closed and derogatory accounts, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX, and state of XXXX. These account are all violations of the FCRA. They havent been validated and should be removed from my report. They also sent me letter with there logo stating that I owe a debt which is against the law stated in 15 U.S.Code 1692b. This results in a {$1000.00} fine. An because your attempting to collect a debt that is against the low stated in 15 U.S. Code 1681b. You can not file a consumer report unless you have a written order from the courts, also should be accordance with the written instructions of the consumer to whom it relates. Also in 15 U.S.Code 1692b no debt collector can state that such consumer owes any debt. These are all {$1000.00} fines. Reports should not contain information solely as to transactions or experiences between the consumer and the person making the report. The congress also stated that any authorization or approval of specific extension credit indirectly should be excluded from your credit report. Also during your investigation into these accounts did you conduct personal interviews with any of my neighbors, family or associates? A consumer has the right to privacy and you sending three letter is a violation of my privacy. Congress states that the definition of credit card is also your social security number. So any closed or unauthorized account thats on my credit report should be removed.