23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/2023, I submitted a complaint against Barclays Bank for withdrawing funds from my account to pay for my wifes debt, which Barclays said I was not responsible for. They promptly responded by phone and followed up with a letter on XX/XX/2023, in which they said, After a thorough investigation, we can proceed with the refund of all payments posted to the account after your wifes passing upon proof of payment for all twenty-one payments along with a copy of Power of Attorney documents. My wife passed away suddenly, and she did not have a power of attorney.

I have now spoken with, and explained that there is no POA, but I have my late wifes will, and death certificate to three different people. Each time Barclays responds, I get a different representative, and each time they said they would have to submit the information to their superiors to see what they are going to do. They have already admitted that they owe me the money ( {$10000.00} ) and agreed that they owe me the money. But now it appears that they are simply running me around, perhaps hoping I will just go away.
Product: Checking or savings account

I am an XXXX XXXX  I had a client who made a payment of {$11000.00}, but the payment was returned because the client no longer wanted my services. Consequently, my bank, Relay Financial, froze my account and funds due to the stopped payment placed by the client.

Relay Financial requested documentation, which I provided. They also requested screenshots of communication between myself and the client, which I did not provide due to a confidentiality clause. I did, however, provide my bank statements, invoices, and the client 's contact information so they could reach out to the client directly. 

Despite complying with their numerous documentation requests, Relay Financial continues to ask for more documents. I then wrote them an email stating that I am no longer interested in banking with them due to their repeated requests and the freezing of my account. I requested that they close my account and mail my funds to me, but they refused.
Product: Credit reporting or other personal consumer reports

THIS IS NOT A DUPLICATE COMPLAINT. 
I WANT USAA TO FIX THE FRAUDULENT REPORTING THAT HAD CAUSED MY SCORE TO DROP XXXX SINCE XXXX. 
THEY SINCE XXXX HAVE BEEN REPORTING THAT I EXCEEDED MY CREDIT LIMIT BY XXXX. AND HAVE BEEN OVER THAT LIMIT XXXX XXXX AND XXXX ADD WELL AS LATE ALL THOSE MONTHS. 
THEY ARE ALSO REPORTING OLD CHARGED OFF DEBT AS NEW DEBT YEARS OVERDUE. THESE DEBTS ARE FROM XXXX AND XXXX. THIS IS NOT A DUPLICATE COMPLAINT. IF THE CFPB ACCEPTS THAT AS AN ADEQUATE RESPONSE, YOU HAVE FAILED AND YOU SHOULD BE SHUT DOWN.
Product: Checking or savings account

XX/XX/19 I open the Bank of America mobile app. On XX/XX/19 there was a charge on my account for the sum of $XXXX and a $XXXX fee. I call Bank of America customer support to inquire about this charge. I learned that it was a fake check. The rep helps me freeze my account and cancel my current debit card. At this point I did not ask for an ETA. One week goes by call up to fraud department and they tell me that it can take up to 60 business days. Have not heard from them since then. I've read a few things online about people in the same predicament as I am and it has taken even longer for them. Other cases BofA just closed the case and the person never got their money back. Feeling something similar coming my way.
Product: Debt collection

Someone stole my identity and opened up an account with XXXX XXXX. I have never had an XXXX XXXX account and never opened an account with them. My social security number and wallet was stolen.
Product: Credit reporting or other personal consumer reports

XXXX provided the last XXXX digits of an account being reported by American Express. Account ending in XXXX. American Express accounts were reported to American Express as identity theft and reported to the FTC. American Express has failed to verify account but reports fraudulent account to XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with Fair Credit Reporting Act 15 UCS1681 ( a ) ( 1 ) ( A ). Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I sent a Method of Verification to XXXX, XXXX, and Transunion disputing debts showing on my credit report. It has taken more than 30 days with no response, and they are still reporting the debts as valid on my credit report, but no method of verification has been provided.
Product: Vehicle loan or lease

In XXXX, XXXX, I leased a XXXX XXXX  through XXXX XXXX XXXX /JP Chase. In XXXX of this year, I moved from XXXX, XXXX to XXXX, XXXX. To get XXXX  license plates, I need an XXXX  title. However, XXXX  does not issue titles when there is a loan on the car. XXXX   provides a work-around with form that I fill out and the Clerk of the Courts in XXXX County XXXX  fills out and then they send it to XXXX XXXX XXXX/ JP Chase to be signed and notarized. They send it to the XXXX  Titles and Registration Bureau. XXXX XXXX XXXX could either fax it to the above mentioned Bureau or to the XXXX  Department of Revenue. XXXX   Clerk of Courts in XXXX County XXXX has faxed this completed form twice to XXXX XXXX XXXX at fax numbers supplied me by them ( XX/XX/XXXX and XX/XX/XXXX and received receipts that the faxes were received. ) However as of this date of XX/XX/XXXX, XXXX XXXX XXXX/ JP Chase has not signed and notarized the form and sent it to the XXXX   Titles and Registration Bureau . So, I am still unable to purchase XXXX  license plates. As a reference, XXXX XXXX filled out the form, sent it to XXXX  who then made a title and sent it to XXXX  in less than 5 days on another car I own and they financed. Efforts to follow up with XXXX XXXX XXXX have been to no avail. They say they did not receive the form we sent them twice or that it is " in process. '' At this point, there is nothing I can do since they will not cooperate with the XXXX   process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, my information was compromised and somehow fraudulent unauthorized inquires and accounts were included on my credit report. as a result after legal counsel I contacted this company both by phone and a formal letter, providing all the necessary documentation that they needed to make informed decision on this matter and remove these fraudulent accounts and inquiries. But to my surprise they decided to ignore me and are still reporting the same fraudulent account till date. Below are the fraudulent accounts and inquiries in question : Fraudulent inquiries XXXX XXXX XXXX, Date of inquiry : XX/XX/XXXX XXXX/XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX   Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX/XXXX   XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX, Date of inquiry : XX/XX/XXXX Fraudulent Account XXXX, Account Number : XXXX XXXX  XXXX, Account Number : XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX, Account Number : XXXX XXXX  / XXXX, Account Number : XXXX I am attaching the formal request I sent them and identity theft report from FTC too for your consideration.
Product: Credit reporting or other personal consumer reports

This inquiry was carried out by the creditor without the necessary authorization.
Product: Checking or savings account

I attempted to withdraw my account balance from Marcus, by transferring it to another bankXXXX XXXX XXXX Marcus reversed the transaction, and when I called them, they locked me out of my account citing bogus information that they can not verify my identity. 

I would like my account immediately closed and my balance transferred by check to my mailing address on file, but they refuse to help me.
Product: Mortgage

Unfortunately, the issues with my account remains unresolved. Specifically, there has been no audit provided, and XXXX of my payments still has not been credited to my account as required. 
I have bank statements which clearly support the payments that have not been credited. The missing payments would bring the total amount Ive paid to {$1000.00}. However, my account only reflects a total payment amount of {$570.00}, which is incorrect and might be due to the selling of my original loan. 
To clarify, the payments made are as follows : On XX/XX/XXXX, a payment of {$210.00} was credited to my account with XXXX XXXX XXXX. 
On XX/XX/XXXX, an additional payment to XXXX of {$200.00} was credited, bringing the total to {$420.00}. 
On XX/XX/XXXX, a payment of {$200.00} was made to Shellpoint. 
On XX/XX/XXXX, I made XXXX payments of {$190.00}, XXXX of which was credited to Shellpoint and the other to Newrez. 
Additionally, I did not receive any timely communication from Shellpoint regarding this issue, and my account has now been placed in past-due status. The lack of response to me in a timely manner is a significant failure in customer service. 
I am requesting an immediate correction to my account to reflect the accurate payment history and ensure that my future payments are processed correctly.
Product: Debt collection

I am not liable for this debt with XXXX XXXX and I do not have a contract with PORTFOLIO RECOV ASSOC plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$1600.00}
Product: Debt collection

complaint # 1 XX/XX/XXXX During the recession, I was unable to pay this account with American Express . The last payment was XX/XX/XXXX. The company and I have come to NO agreement or terms to settle this account nor have they offered to reopen in good standing. They have submitted reporting 5 years after last payment stating the account is closed and charged off as of XX/XX/XXXX. This is unfair to me and only reflects XXXX abusing the statute of limitations and 7 year consumer protection stating that any bad debt will drop off after 7 years. They are prolonging this by waiting 5 years to report. 

complaint # 2 Current XX/XX/XXXX XXXX erroneously and without my consent issued a payment plan that I had verbally declined on a phone call. I need recorder line records submitter by XXXX to prove I did not agree to these terms. I also never received the letter they attached to close the original complaint above. This account is well over the statute of limitations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX Date of Birth : XX/XX/XXXX SS XXXX XXXX XXXXXXXX Dear Sir/Madam, I am writing to dispute several items that are currently listed on my credit report. I have recently reviewed my credit report and have found several negative items that require your attention. I am requesting that you either provide me with clarification regarding the information listed or delete the items immediately from my credit report. 

Firstly, regarding the following accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the account names and numbers listed are questionable. I request that you either clarify the information to me or remove these accounts immediately from my credit report. 

Secondly, the following personal information is incorrect : XXXX and XXXX. These are not my employers, and I demand that they be deleted from my credit report immediately. 

Furthermore, I have no recollection of authorizing several inquiries that have been made on my credit report. Specifically, I demand that you remove inquiries made by 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. I have no recollection of authorizing these credit pulls, and I demand that they be removed from my credit report immediately. 

Lastly, I request that you either clarify or remove the following accounts listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX requires clarification or removal. 

I am requesting that these items be removed or clarified as soon as possible. Please provide me with written confirmation of the actions taken to resolve these disputes. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I received this text message : <BANK0fAMERlCA> We've put hold on your online access. For unhold, verify your identity here https : XXXX to get back your aceess. 

From this phone number:XXXX
Product: Credit card or prepaid card

When I upgraded my cell phone with Verizon they offered me a {$10.00} credit each month if I used their Synchrony Bank XXXX XXXX for auto pay for the cell phone and paperless statement. I agreed to that. Verizon had a Verizon UP rewards program that issued a few dollars each month and I always choose to use it as a credit against my monthly bill. It became very confusing with the Verizon Up points because Verizon would text me ( after paying that month 's bill ) that I had points to use and when I would go on line to have them credited against my bill it would state that I couldn't use the credit against a XXXX balance. For an example, on XX/XX/XXXX I was billed for my Verizon cell phone the amount of {$53.00}. I had reward credits of {$1.00} which I deducted from the bill amount and I paid the credit card for {$51.00}. 
Verizon cancelled the Verizon UP rewards program without notice so I was using these points thinking I was saving {$1.00} XXXX each month. When I incurred Interest and late fees I called Synchrony Bank XXXX on XX/XX/XXXX to try to understand what the late and Interest fees on my bill. I spoke to XXXX who basically said that I had an unpaid balance of {$1.00} hence the late charges. This is when I was informed that the Verizon Up reward program had been cancelled. XXXX held her position on the late fees and after much frustration I cancelled the credit card. I began paying the Verizon bill via auto pay by my bank. I paid the balance due of {$55.00} via my bank checking account on XX/XX/XXXX. 
I started getting calls from Synchrony Bank XXXX to call them every day to the current date. 
On XXXX XXXX, XXXX I called Verizon ( on hold for XXXX minutes ) and spoke to XXXX. He said my new bill each month was going to be {$91.00} because I withdrew from their Synchrony Bank XXXX auto pay and paperless statement. This would amount to a {$35.00} increase in my monthly bill. This was not acceptable to me and I asked to speak to a supervisor. I was transferred me to XXXX. In talking with XXXX for close to an hour we set up through Verizon to be able to take the amount of the bill out of my checking account, returned to the paperless statement and my monthly bill was going to be {$59.00} XXXX. 
I returned a call from Synchrony Bank XXXX and was told my account was sent to collections. 
I called Verizon after receiving a bill for {$91.00} to see what had happened. In speaking to XXXX on XX/XX/XXXX she was as confused as me and put in a call to the Synchrony Bank XXXX people to try and prevent collections and resolve these issues. After another XXXX minutes specking to The XXXX XXXX it was clear she wasn't going to offer any help on late and interest fees even though XXXX said my account was paid to date. I told them both before I hung up that I was going to file a complaint with FIC. 
It seems to me the the arrangement with Verizon and the Verizon Visa through Synchrony is in conflict. Verizon cancelled the Rewards program without notice that I can recall.
Product: Debt collection

I am writing to express my frustration regarding the lack of action on the fraudulent accounts present on my credit report. Despite multiple attempts to dispute and submit complaints, I have not seen any progress in their removal. 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, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX if the fraudulent accounts are not promptly removed , I will seek legal counsel. I believe their inclusion violates my rights under the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey Im having a problem with Cosmo credit repair. There very unprofessional and rude and wont return my XXXX they took out of my account. On XX/XX/2018 XXXX XXXX contacted me regarding repairing my credit. He stated the consultation was free and he can get remove everything bad on my credit report within 6 months. I sent him some v personal information by email and 2 weeks later some random guy XXXX XXXX calls me XXXX at night asking me to send document to start credit repair. I told him no I didn't know you and im not sending my personal information because XXXX know you have XXXX XXXX call me in the morning. XXXX XXXX calls me and said he d I didn't receive my documents and I asked him how come he d I didn't let me know 2 weeks ago. He said he didnt have them to send them back and I told him no. I dont want to do business with you because you lost my persodnal informatiom. I gave them XXXX to start and after I told him I didn't want to do the program because their unprofessional the next day they took XXXX out my account. I had to cancel my card and order a new one because I dont want them stealing my money out my account. So I talked to XXXX whos the technical guy and XXXX whos suppose to be the manager. XXXX stated she was going to refund my money but then stated she wouldn't and hung up in my face. On there website it said you get your money back if your not satified. Well I wasn't satified and they still took money out my account and didnt do no services!!!!
Product: Credit reporting or other personal consumer reports

XXXX refused to investigate hard credit inquiry submitted XX/XX/year> saying it was a paid for service check by rocket mortgage company and support the vendor rather than investigate my approval for credit inquiry.
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to find inaccurate accounts appearing on my credit report, completely out of the blue. I always check it routinely, but this time, unexpected discrepancies just showed up. I even tried refreshing the page, thinking it might be a glitch, but the errors remained. Because of this, Im asking for a thorough review of the documents Ive submitted so I wont have to face this kind of worry again.
Product: Checking or savings account

In XX/XX/XXXX three purchases were made on our PNC account at XXXX in the XXXX XXXX XXXX area. When these purchases were made on XXXX, XXXX, XXXX and posted to our account on XX/XX/XXXX in the amounts of {$29.00}, {$26.00} and {$36.00}, totaling {$92.00}. When we received an email from XXXX stating the purchases had been made we called the bank immediately. It is impossible for me to make purchases in the XXXX area and the XXXX XXXX   XXXX area on the same day within very close time frames. It also defies all logic that I would make three online purchases in the XXXX XXXX  XXXX area that would be delivered to addresses where I am not. This logic, coupled with the fact that we called the bank immediately is proof that we did not make these purchases. 

We were issued a provisional credit on XX/XX/XXXX XXXX for the full amount ( {$92.00} ) while the investigation was pending. On XX/XX/XXXX PNC Bank sent us a letter that we received on XX/XX/XXXX informing us that the investigation was complete, and they are removing the provisional credit to our account. The letter states that we are now responsible for the {$92.00}. We immediately phoned PNC and they are still removing the provisional credit ( taking our money ) while sending the dispute through to their dispute department again. I made several phone calls to PNC today ( XX/XX/XXXX ) and I am unable to speak with anyone regarding the details of the investigation that was conducted into these purchases on our account. I am unable to get the reasoning or findings in the investigation that were used to determine that we are responsible for the {$92.00}. Any assistance in the matter would be much appreciated. 

The reference number for the dispute is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've opened a credit rebuild auto loan with XXXX XXXX on XXXX/XXXX/XXXX which states the loan is a rebuild program because they report payments to all 3 credit bureau 's which will help the credit score. To date this has been false, my credit score has not gone up the entirety of my auto loan and XXXX XXXX stated they report payment history. My credit scores are not equate due to this and it 's so frustrating dealing with these type of auto loans that promise to rebuild your credit by reporting to all 3 and they never do they just put the vehicle loan amount on your credit if the vehicle is a lemon and only last you hopefully a year and it 's just not fair that they get away with these tactics. My vehicle is still running fine thank god but it 's an XXXX sold with high miles no warranty I 'm paying high interest which makes the vehicle costs triple when blue book value is only {$4000.00} and change the loan term is 4 years yet they ca n't be polite and keep their word of reporting so it helps the consumer really rebuild credit? And my apologies for sending this over a few times I just do n't know where/how to begin and again it 's so frustrating when you have life curve balls beyond control and when you try to start over and rebuild with these loan sharks it 's impossible : - (
Product: Student loan

My student loans are on the XXXX plan, which is currently in 0 % interest forbearance. However, my loan balance has increased during the forbearance. I cant locate any statements on my account explaining why this is, and cant get ahold of a human being at MOHELA to remedy the issue. My credit report lists my updated balance as XXXX. MOHELA reports a balance of XXXX.
Product: Debt collection

I took out a loan in XXXX  and i had a bad storm here in Michigan that fried my pc that had all my data for the bank and its name on the hard drive that was lost and I have been in a Finacial struggle since then. Yes i made poor choices prior to this and yes i learned the lesson but this debt collector only contacted me in XXXX and i told him to email me because i have no phone at the time until recently. Im trying to work with this guy but never asks once in a while if i can pay anything the only time he replied was for notice of collection and to let me know that the client was revoking payments and he messaged me End of XXXX or beginning in XXXX saying that payment is every XXXX of the month i was never told that since XXXX i was very un-prepared and has ruined my reputation with the client/bank with the debt i owe. Im not asking for this to go away but id like a debt collector that will communicate with me instead of only replying when they feel like it. I want to work with the bank and the debt collector has refused to release info of the bank so i can talk to the manager. Im at a loss of what to do right now ... Because there are multiple banks that are XXXX XXXX XXXX...