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

In accordance with Fair Credit Reporting Act XXXX XXXXXXXX, 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights.

15 USC 1681 602 A states I have the right to privacy.

15 USC 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

I had a charge back from XXXX XXXX XXXX XXXX did the refund on XX/XX/2022 for an original charge on the XXXX of XXXX. I got worried after a while since the credit was not showing up on my account. I did some research and contacted XXXX XXXX 's legal department and they sent me the paperwork that they had in fact done the credit for and told me to call the Navy Federal credit union. I called Navy Federal and they did not have the credit. While I was walking to the gym, I came up with the idea that maybe the credit was put on the old card and it was not transferred to the new card so I called Navy Federal and asked them to do research and my hunch was correct. I was so XXXX off that I wanted to talk to a supervisor. The supervisor told me they were aware of the mistake on my account but the exact mistake was just caught by me first. Really? If you knew of the mistake, why set on it for 3 weeks. If you knew of a mistake, as a bank why not do more research and get it corrected before the customer had to spend a lot of time correcting it. The supervisor lied to me. Navy Federal and the supervisor had no clue of the mistake. They simply lied to lessen the severity of the mistake that the bank did. Why not just say that a mistake had occurred and it would be corrected as soon as possible and they would look into how it will not happen in the future. All calls were legally recorded by XXXX XXXX so there would be no more lies on Navy Federal 's point.
Product: Credit reporting or other personal consumer reports

Re : Demand for XXXX XXXX XXXX XXXX XXXX Dear Trans Union LLC, I acknowledge receipt of your communication regarding the dispute I submitted, as well as your confirmation that the XXXX  Attorney General XXXX item has been deleted from my credit file. 
While I appreciate your prompt investigation and deletion of the item, it is important to highlight that this deletion serves as an admission that the item should not have been placed on my credit report in the first place. The inaccurate reporting of this item has caused significant harm to my credit standing and has directly affected my ability to obtain credit under favorable terms, thereby resulting in financial damages. 
I have experienced the following impacts due to your improper reporting : Increased interest rates on loans and credit cards. 
Denied credit applications, which have harmed my financial prospects. 
Emotional distress due to the strain caused by your company 's error. 
Considering the harm and losses I have suffered due to the presence of the inaccurate item on my report. Item was deleted according to the company 's correspondence XXXX complaint XXXX SUBMITTED ON XX/XX/year> XXXX Credit reporting or other personal consumer reports ISSUE Improper use of your report I look forward to your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 credit reporting agencies will not remove old hard inquiries, as well as recent hard inquiries where I had multiple credit inquiries for a single transaction ( e.g. car purchase ). It is standard business practice for the credit reporting agencies to treat multiple credit inquiries as to the same transaction as only one inquiry. On 2 occasions, have had multiple inquiries ( which I only authorized one ) all counted in my credit score that has since significantly reduced. XXXX, for example, shows 19 hard inquiries. I have now been denied credit on this basis when my credit is otherwise perfect. At least 10 of these inquiries related to single transactions or are older than 2 years.
Product: Mortgage

I repurchased my home in XX/XX/2010 through XXXX XXXX XXXX. The purchase itself was for {$190000.00} and an additional {$65000.00} to make needed repairs to the property. Bringing the total borrowed to {$260000.00}. After the work began on the property it was determined that the {$65000.00} was not enough to complete the repairs needed. The amount needed for the repairs was closer to {$80000.00}. The {$190000.00} purchase price was derived from XXXX  specifying to the servicer what amount of repairs needed to be made and the purchase price was discounted by that amount. Initially XXXX said that they had to pick their own contractors. So I obliged. The work was never completed and they used poor quality materials. I completed some of work through my own funds. The rate XXXX   charged me at the time was 5.50 %. Recently, I tried to refinance my loan through XXXX XXXX XXXX at a 3.25 % interest rate. I was approved for the loan. I ordered a payoff from XXXX the servicer for the XXXX loan. After the closing when XXXX XXXX requested the releases is when XXXX said that I owe them {$120000.00} in addition to the payoff figure. I knew that I would have to pay back XXXX some funds. But, I did not know how much. It is not even stated in the documents in the registry that there is money to be paid back. Which is why when XXXX said that I owe an additional {$120000.00} everyone was taken by surprise. I have no issues with paying some money. But, I object to the {$120000.00} figure because it is not fair. The repairs that made with my own funds are not taken into account of the payoff figure. I tried to subordinate the loan and XXXX declined. I understand and I appreciate what XXXX did by allowing me to repurchase my home. However, after paying on time for so long and finally being able to refinance it seems punitive that I am not able to refinance my loan or even come to an agreement that will allow me to pay them over time instead of in a lump sum. I feel like XXXX  appears as if they are willing to help. In the meantime I think they are trying to take advantage of the disadvantaged people like myself.
Product: Checking or savings account

This is in reference to the old complaint that was filed against the Barclays Capital Bank. 
The complaint ID # XXXX. 

The former complaint got closed by the misleading CFPB and falsifying information that I have been able to access to the account. 

But, in actual, I asked help my husband who was a joint account holder with me on the account to get the funds out of the savings account. And, my XXXX in-turn used his credentials to move money out of my account as he was also a joing account holder. THIS DOES NOT MEAN THAT I USED MY CREDENTIALS tO ACCESS THE ACCOUNT. BARCLAYS CONSITENTLY LIED or HIDE THIS INFORMATION FROM CFPB. 

But recently, when I tried to open a different product called XXXX XXXX account, Barclays executive from the customer support that Barclays has not been able to fix the login issue for me. This call happened with Barclays customer service on XX/XX/XXXX. 
Due to not able to fix the login issue, I AM NOT ABLE TO OPEN THE TIERED SAVINGS ACCOUNT with Barclays bank Barclays bank on the other hand confirmed in XXXX, XXXX that issue has been resolved and closed the complaint. 
I have constantly denied the response from the Barclays bank and also notified as my response to the Barclays Bank on the closure of the complaint. 

I request earnestly to CFPB to file a formal complaint against this bank for NOT FIXING their back-end IT systems even after so many requests and CFPB intervention. 

Barclays bank has been CONSISTENTLY LYING to customers and wilfully violating the laws of the customer. With me being as the customer to not able to open the account is a cealr example of Barclays bank violating customer laws. 

Pls apply fines on this bank for delibrately creating problems of merging user interface and creating problems for their customer with accessing or moving their funds.
Product: Credit card or prepaid card

I made a payment on XX/XX/XXXX which were delivered on XX/XX/XXXX. Normally it would take at most one day for them to post, i.e., it would normally be posted on XX/XX/XXXX. However, they posted it on XX/XX/XXXX. The payment due date is XX/XX/XXXX. I even called Amex on XX/XX/XXXX to discuss this and they told me to at least make a minimal payment on XX/XX/XXXX and call back later when the interest charge is posted so that they can refund me. I called them today and they said they can not because I have a history of late payment, which, to my best memory, I made the payment on the payment due date at XXXX XXXX. This violates their regulation that I have to pay it by XXXX XXXX on the payment due date so I was considered as late payment. 

I would request a refund of my interest charge and additional XXXX dollars for my time calling them.
Product: Credit card

On XXXX XXXX, 2024, I was shopping at a JCPENNEY 'S store at a local shopping mall and was in line to check out the items I was ready to purchase. Upon checkout, the clerk offered me a thirty-five percent discount on my order. At no time did the checkout clerk reference the stipulations of said discount. I would like it to be known that my wife was the person making the purchase and I was called to the checkout counter for the transaction. The checkout clerk asked me for my license and date of birth and stated it was for the discount above, to which I obliged. After entering my information on the store 's payment machine, the clerk told me I would get a response in 10 business days. I asked her what this response was, and she replied, " They need more information regarding your credit report. '' I informed the clerk that I did not want a credit check performed, and the clerk told me it was not a credit check ; I was then alerted of the hard inquiry on my credit reports. As the clerk explained the discount, it was my understanding that this was to sign up for the store 's loyalty program and NOT a charge card. The exact name of the inquiry on my credit report is SYNCB/JC PENNEY PLCC ( Hotel and travel ). I did not and do not want this inquiry on my credit report, as I was led to believe this was for a loyalty program and not a charge card for the store. The clerk misled me.
Product: Credit reporting or other personal consumer reports

Account number XXXX according to u.s.c 1692c XXXX has violated my rights by the lawful communication
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint without any influence from any third party or agency. I have been doing my research on the FCRA. The law 15 USC 1681c-2 ( a ) says in case of identity theft, a consumer must provide : appropriate proof of the identity of the consumer ; a copy of an identity theft report ; the identification of such information by the consumer ; and a statement by the consumer that the information is not information relating to any transaction by the consumer. 
On XX/XX/2021, I sent certified mail to Experian containing a copy of my state I.D . and social security card for identification, FTC report, I identified the fraudulent accounts of ; XXXX XXXX PR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX my statement is on the FTC report that I did not consent or authorize the accounts. 
From previous phone conversations with Experian representatives regarding identity theft, I was told to provide a police report. The credit reporting agencies policy does not supersede federal law. The law never mentioned providing a police report when reporting identity theft. Nonetheless, I submitted a police report with the other documents. 
Im including a letter from the courthouse that confirms that they do not validate or verify with the credit bureaus. Im also including a page from my XXXX XXXX disclosure that indicates in the bankruptcy section that no bankruptcy is present. How did Experian verify this? 
In addition, the law states that a consumer reporting agency shall block the information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt. Experian received my documents certified mail on XX/XX/2021. As of today, the fraudulent accounts of XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  XXXX still appear on my consumer report.
Product: Mortgage

Last XXXX we had some extra money after taxes, so we decided to send it to the mortgage company to apply towards our principle. Our payment each month is automatically drafted, and never have we missed a payment. On XX/XX/XXXX I noticed that my payments were not being drafted as usual, so I called the company. They couldn't tell me why the auto draft wasn't working, but at that time he told me that I was paid up until XX/XX/XXXX. They had taken my payment of {$5100.00} I sent extra in XX/XX/XXXX and reversed it the next day and applied it towards monthly payments instead. This didn't reduce my principle like it should have and I continued to pay interest on a higher balance. The customer service person said they would fix it and I see there have been many adjustments to my account, but not in my favor. Currently they say I owe exactly the same principle balance that I did last XX/XX/XXXX that I do now. I have paid a total of {$16000.00} over the past 7 months, and over {$6200.00} was extra principle payments above my mortgage payment. If PennyMac is doing this to my account, I can only imagine how many other accounts they are doing this to.
Product: Credit card or prepaid card

XXXX  REWARDS CARD BY  SyNCRNIciTY BANK. i  have had problems making payments on this card, because of that i have been chsrged {$35.00} each time. i cant make electronic payments through my bank because  XXXX  doesnt offer tqqhat option. i have to login everytime but my email is never recognized so i have to have a password change everytime. so if i dont have my card with me it wont allow me to. i dont get rewards ever or a statement so im not ever sure what i owe bcause i cant login.i believe this is a trick to stop payments from being on time in order to get late fees.there is no email contact only phone and no one ever answers.i pay all of my cc on time this is t he only one that   there is an issue. this is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XXXX XXXX to XXXX. here is my tracking XXXX However the credit bureaus said they completed the investigation and everything was 100 % accurate. 

according to law 15 u.s. code 1681a definition : rule of construction The term investigate consumer report '' means a consumer report or port thereof in which information on a consumer character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.however, such information shall not include specific factual information an a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

I would like to know who did they talk to?

How did they complete this investigation?
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for denying access to my credit report. Despite successfully viewing my report 3 weeks ago, I was unable to access it when I called XXXX. After being placed on hold for 1 hour and 30 minutes, no representative assisted me. I need XXXX to release my report immediately or provide an explanation of the issue and correct it promptly. 

This denial may be in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681g ( entitlement to access of credit report ) and 15 U.S.C. 1681i ( procedures for correcting inaccuracies ). 

I appreciate your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance : {$4300.00} XXXX XXXX XXXX XXXX XXXX : {$19000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$150.00} XXXX  XXXX XXXX  XXXX XXXX : {$95.00} XXXX XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX Balance : {$82.00} XXXX  XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX, A XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX FIN XXXX Balance : {$4300.00} XXXX  XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance {$19000.00} Original creditor : XXXX Balance XXXX {$110.00} Original creditor : XXXX Balance : {$130.00} Original creditor : XXXX Balance : {$82.00} Original creditor : XXXX Balance : {$95.00} XXXX XXXX, XXXX Inquired on XX/XX/2022 XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX  XXXX Balance : {$4300.00} XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX XXXX Balance XXXX {$150.00} XXXX  XXXX  XXXX Balance : {$82.00} XXXX XXXX XXXX Balance : {$95.00} XXXX XXXX XXXX Balance : {$130.00} XXXX 'S XXXX XXXX Balance : {$110.00} XXXX 'S XXXX XXXX Balance : {$110.00} XXXX XXXX Inquired on XX/XX/2022 2022
Product: Checking or savings account

CashApp has no live agents to help with account funding, withdraws, disputes, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX dated XXXX and I found out that credit reporting agencies still indicate my disputed of items in my credit report. As of todays date, Equifax, XXXX and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days to correct the inaccurate items. The following items are listed below that need attention because it was reporting error in my file. 
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 XXXXXXXX Balance : {$23000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights US BANKRUPTCY COURT XXXX file # XXXX XXXX  XXXX  XXXX CA XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  US SM BUS ADMIN ODA XXXXXXXX XXXX XXXX 15 U.S.C 1681 Section 602 A states that I have the right to privacy 15 U.S.C Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Prepaid card

Hi yes, I have had an account with netspend for the last 7 years.. I got a text message at XXXX on XXXX asking if I attempted a transaction for XXXX $ I said no.. within 10-15 minutes tops someone hacked my account and made transactions for XXXX $ I called had the payments canceled for 2 payments got XXXX $ back and 1 transaction still in dispute. We'll come XXXX at XXXX once again someone accessed my account for this time XXXX $ was promised by the representative that it wasn't going to happen and my money was safe well obviously it wasn't. And now they put a temporary hold on my account because the person who hacked my account changed my password, phone number and email address on my account. They have complete access to it. I am a single mom I need help getting my money back thut representatives keep telling me that it was safe. I am begging for help with this matter. XXXX $ is ALOT of money for me to lose out on.On XXXX when my account was supposed to be locked so no purchases can be made or anyone can access at all someone yet again made a purchase for the same site at XXXX for XXXX $ which I don't even know where that money came from when I was told I only had XXXX cents in my account by Netspend XXXX I have all the screenshots of the purchases of the claims emails to dispute my transactions and when I called every time. They aren't doing anything about this matter especially to keep my account safe while they " investigate ''..
Product: Credit card

On XX/XX/2024, Capital One reported a hard inquiry into my credit report. I have not applied for any new credit cards in the last year.!
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX Balance : {$45000.00} XXXX XXXX XXXX XXXX : {$19000.00} XXXX XXXX XXXX Balance : {$450.00} XXXX  XXXX XXXX Balance : {$1100.00} XXXXXXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2700.00} XXXX  XXXX Balance : {$1200.00} XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX Balance : {$230.00} XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXXXXXX XXXX Balance : {$220.00} XXXX XXXX XXXX XXXX Balance Owed : {$330.00} XXXX XXXX XX/XX/year>
Product: Credit card or prepaid card

Amex closed all my accounts, even though I have good credit history and I paid all my debts on time for about 13 years. There are some credit balance in the closed accounts and I have asked Amex to refund those credits to my XXXX  checking account three times and just received two refunds.