23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

BARCLAY DOES NOT PICK UP THE PHONE. I CONTACTED THEM MULTIPLE TIMES AND EVEN TRIED GETTING IN CONTACT WITH XXXX AND EVEN EMAILED HER WITHO NO RESPONSE. IT SEEMS LIKE THE ONLY THING SHE RESPONDS TO ARE THESE COMPLAINTS WHICH SHOULD NOT BE THE CASE AT ALL. I FIND IT COMPLETELY UNFATHOMABLE HOW SOMEONE CAN LIE, ESPECIALLY ABOUT REACHING OUT TO A CUSTOMER WHEN PHONE RECORDS AND EMAILS STATE OTHERWISE. 

Dear Barclay Vice President, I am writing to express my concern regarding the ongoing lack of communication and clarity surrounding the documentation needed for my claim. Since initiating this process, I have not received any instructions or requests from your team on submitting any necessary documents. This has caused unnecessary confusion and delay. Furthermore, I would like to address an inaccurate statement made by Barclayview. A representative I spoke with on XX/XX/XXXX, informed me that calls were being recorded. However, in subsequent voicemails, I was told that failure to contact you within two days would result in my case being closed. Yet, I have not been provided with any clear instructions or requests for documentation, which I believe has prevented me from responding within the required timeframe. Additionally, I would like to personally thank XXXX, the Vice President of Barclayview, for making a false statement regarding the substantiation of my claim. In your correspondence, you stated that the dispute representative I spoke with assured me my case would not be closed due to my contact. However, you then mentioned, I have reviewed the telephone interactions that you had with our representatives. Unfortunately, I can not substantiate this claim. I can substantiate this claim, and I am confident in the accuracy of my records. I am also highly concerned about the errors in your recent correspondence. You stated, Our records show on XX/XX/XXXX, you submitted a digital dispute claim for the transaction XXXX XXXX in the amount of {$50.00}, posting on XX/XX/XXXX, for the reason of an altered amount. The claim was completed on XX/XX/XXXX, and a letter was sent to you acknowledging receipt of your dispute. However, I am genuinely confused by this as the transaction in question clearly occurred in XXXX, yet your records show a claim completed in XXXX. This discrepancy needs immediate clarification as it directly impacts my ability to address the situation properly. Given these ongoing issues, I would appreciate immediate clarification on the following : What specific documents are required from my end to process this claim? How can I properly submit these documents to ensure my claim is handled correctly and not closed due to miscommunication? Confirmation that future communications will be clear and accurate and provide actionable steps to avoid further confusion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a paid member of XXXX, XXXX, and XXXX  and was able to screenshot multiple inaccuracies on my 3 credit reports of several negative items that do not match one another in listed balance, dates of alleged late payments, and/or authorization. I am challenging these negative items appearing on my XXXX report, I want them removed from my credit reports immediately. I have disputed thought the 3 bureaus and 2 have not listed the items as under investigation in over 30 days, violating the Credit Repair Act. I am not able to secure housing for my wife and kids during COVID as a result of these negative items appearing in a credit check for any home rental company 's applications. Please help us. 

1. XXXX  Cashcall Acct - Dates do not match XXXX, Unauthorized, Company in class action lawsuits for illegal activity.

2. XXXX  Cashcall - Dates do Not match XXXX, Company in Class Action Lawsuits for illegal activity. 
3. XXXX XXXX XXXX XXXX XXXX Dates do not match XXXX, balance incorrect 4. XXXX  XXXX XXXX XXXX  - Dates Do not match XXXX, balance incorrect 5. XXXX  XXXX  XXXX XXXX - Dates do not match XXXX, balance incorrect 6. XXXX CCXXXX XXXX XXXX  - does match XXXX  CCXXXX, unauthorized, unknown. 
7. XXXX CCXXXX - Insufficient information, does match experians CCXXXX Cash Central, unauthorized, unknown 8.XXXX XXXX  XXXX Original Creditor Not listed, Terms Not listed, No payments have been reported on this account, Highest balance significantly exceeds credit limit. Unauthorized, Class Action Lawsuits for company-recent Settlements of {$860.00} XXXX for illegal activity. 

Hard Inquiries XXXX  : XXXX XXXX XX/XX/21 XXXX XXXX  XXXX XX/XX/21 XXXX Hard Inquiries XXXX  : XXXX XXXX XX/XX/21 XXXX  XXXX  XXXX XX/XX/21 XXXX XXXX XX/XX/21 XXXX XXXX XXXX XX/XX/21 XXXX XXXX XX/XX/21 XXXX : XXXX XX/XX/21 XXXX  XXXX XX/XX/21 XXXX XXXX XX/XX/21 XXXX XX/XX/21 XXXX  XX/XX/21 XXXX XXXX  XX/XX/21
Product: Vehicle loan or lease

Violation of law U.S. Code ( 1605 15 U.S. Code $ XXXX false and deceptive forms 15 U.S. Code 1635- right to rescission 15 U.S.Code {$1600.00} ( a ) - fraudulent authorized use of credit card ( XXXX  fine ) 15 U.S.Code 1605 - finance charge defined and what is all included 15 U.S.Code 1635 ( f ) - right to rescind after 3 vears if rescind paperwork was never furnished 15 U.S.Code 1635 ( b ) - right to rescind and keep the property 15 U.S.Code 1640 ( a ) - each violation is 2x finance charge 15 U.S. Code 1662 ( b ) -mixing cash with consumer credit transaction
Product: Credit card or prepaid card

I currently hold the Chase XXXX Credit Card and I'm having difficulties in receiving the advertised benefits of the credit card. This issue specifically pertain to the XXXX rewards program that provide XXXX elite nights based on spending. The issue I'm having is that the rewards elite nights are not positing to my XXXX account, however the points and free certificates are posted a few days after the statement closes. Back in XX/XX/XXXX, I spent over {$15000.00}. This resulted in XXXX XXXX points posting to my XXXX account a few days after my statement closed. However, I did not receive the six free elite night credits that should have also posted. This is based on the advertised terms that for every {$5000.00} spent, I will receive two elite night credits. In XXXX XXXX, I contacted Chase customer service and explained the situation to them and they said that a Marketing team had to look into this as I should receive a response via mail within a couple weeks as there is not way to contact them directly. Back in XXXX, no response was received by mail. However, due to changes in circumstance I've started to put a lot more spend on my XXXX credit card to ensure I can attain my elite status for this year due to COVID. Again during the my recent statement closing, XX/XX/XXXX, I ran into the same issue where my XXXX points posted onto my XXXX account, while my XXXX elite credit nights did not. Once again, I contacted Chase customer service who said someone within the marketing team will take a look and will respond back to me. At this point, I am yet to receive a response and I'm tired of the back and fourth that I have had to go through to get something that is advertised under my credit card terms & conditions. I'm also having no luck in getting anyone to look into my issue, nor am I able to escalate this issue to anyone who can help as I keep being directed to the same response that someone from the Marketing team will need to look into. What makes this even more frustrating is that there is no way to contact the marketing team apart from the customer advisor sending an email to them. As such, the turnaround time to receive a response is unacceptable in this day and age.
Product: Credit reporting or other personal consumer reports

I am writing once more to express my bewilderment at your credit bureau 's handling of the investigation into the accounts, as I continue to dispute the presence of fraudulent accounts on my credit report. As you are aware, I have submitted the required FTC report regarding these fraudulent accounts. Following my submission, both XXXX and XXXX removed these accounts from their records. 

I have also directly contacted the banks associated with these accounts, and they have confirmed the removal of the accounts. Therefore, I am puzzled as to why these accounts are still being reported by your bureau. 

It is imperative to recognize that as a credit bureau, you are legally bound to ensure the accuracy and timeliness of your records. Failing to remove these fraudulent accounts not only violates this obligation but also exposes me to further harm. 

XXXX XXXX XXXX XXXX XXXX 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

i filed a dispute in regards to the incorrect items on my credit report. it has been well over 30 days and i haven't received ay investigation results.
Product: Money transfer, virtual currency, or money service

The company promises to transfer the money promptly and they charged 8 dollars for the transfer. They give locations where recipient should present the reference number and be paid. My recipient presented to the bank and was told he can not get the money unless he opens an account. He could not meet this requirement and they denied him the money for three days.

On contacting MoneyGram, they agreed to refund the money minus the charges paid. My question is why charge for a service not completed? The company failed to provide information about the requirements of the bank where they were to send the money. 
Why is this company allowed to behave this way? Had I sent a large amount, my loss would have been more than the XXXX dollars.
Product: Debt collection

Their representative repeatedly knocked on my door, scaring my children. Then gave a letter to my XXXX XXXX XXXX. I have contacted the company many times to correct my account and they do not respond
Product: Checking or savings account

I am writing to file a complaint against 5/3 Bank regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against 5/3 Bank for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Mortgage

Year XX/XX/XXXX I paid through online bill pay directly from my XXXX Bank acct a mortgage payment to Wells Fargo. This was paid on time and on auto pay. Within few days of receiving the payment Wells Fargo sent the payment back to XXXX without my knowledge. A few months after that Wells Fargo started reporting me past due to my credit report and charging me penalties and interest. 

XXXX I worked on trying to get this issues resolved on my own. I had no issue returning the payment again to Wells Fargo and would have done so but they would not remove the fees and the payment would still be considered past due because fees would have been taken from the payment before being applied to mortgage. 

XXXX Attorney XXXX XXXX wrote letters to Wells Fargo on my behalf trying to resolve this issue. During this time wells Fargo requested COPIES of two checks from XXXX Bank that they believed was where issues started. These were provided. But they still would not clear my credit AS IF NO PROBLEM ever existed. 

XXXX Attorney XXXX XXXX XXXX had extensive written correspondences with Wells Fargo trying to resolve this issue. Through XXXX XXXX XXXX office both Arkansas XXXX XXXX XXXX XXXX and Arkansas XXXX XXXX XXXX wrote letters to Wells Fago on my behalf. 

XX/XX/XXXX I met with a Wells Fargo Representative at a local office in XXXX XXXX Arkansas and this representative of Wells Fargo pecifically called Wells Fargo main mortgage office to see what needed to be paid in order to stop the bleed on my credit while this was being looked into by the state congressmen. I also was assigned a direct Wells Fargo representative at that time by the name of XXXX XXXX. 

BOTH XXXX XXXX and XXXX XXXX were involved in campaigns and elections during this time. However XXXX their offices wrote letters AND sent documents provided such as my bank statements and letters showing the routing numbers between XXXX Bank and Wells Fargo. It was requested for a copy of the CHECK in question to be provided showing proof to Wells Fargo from XXXX Bank. XXXX Bank responded that they could provide certified bank statements and routing numbers but that their system was updated and they could not provide the actual check copy. 

Wells Fargo refuses the XXXX Bank letters and certifications and my personal bank statements as proof that THIS PAYMENT was indeed paid on time and properly. I have a specific representative of XXXX Bank local main bank in XXXX Arkansas. 

This has greatly affected my ability to refinance my property of which I have over XXXX equity. I have above XXXX credit score even with the bad Mark of over 40 month rolling past due Mark on my credit by Wells Fargo. This bad MORTGAGE MARK on credit has harmed me in a huge financial way. I have disputed this with the credit bureaus as well. I have a lot of documentation along this journey.
Product: Mortgage

My compaint is not about the mortgage, it is to report a scam. Someone named XXXX XXXX, with an XXXX accent, contacted me and identified himself as a TIAA loan officer. He knew, or guessed, that i was behind on my mortgage and threatened foreclosure unless I made a payment. He said that I qualified for a " HAMS '' program which would lower my monthly payment and interest rate but in order to begin the process, i had to pay {$1100.00} up front, which he said was my negative escrow balance. My wife and I decided that it would be best for us to have lower payment so we decided to go ahead and proceed with the payment. After paying the balance in full, using XXXX XXXX gift cards, they said we would receive new loan documents in the mail. It wasn't until a few days before our first scheduled " mortgage '' payment that we became suspicious and " googled '' their contact number, XXXX, and found that other people had been scammed or almost scammed by the same XXXX XXXX and his " supervisor '', XXXX XXXX. So now I've thrown away {$1100.00} and I'm three months behind on my mortgage and it will be a struggle to catch up.
Product: Debt collection

I recently check my credit report and noticed a fraudulent account has been opened by capital one card under my name. I contacted capital one and they said they will close the account and remove the fraudulent account from my credit report which they have not done so at all. This is very frustrating because they are trying to collect a debt that is not mine and is a result of fraud. I am demanding that they close this account and remove it from all 3 ( XXXX XXXX XXXX ) of my credit reports immediately.
Product: Credit card or prepaid card

I have reached out to CitiBank on numerous occasions to include XX/XX/XXXX and XX/XX/2019 and one previous time earlier this year. I have paid the company early every billing period, however, they continue to charge a late fee stating that I paid late due to them constantly changing when I can pay the bill. The late fee then increased from {$28.00} to {$36.00}. They told me the reason I was charged the fee was due to me paying twice in the same billing cycle, even though they can see that the payment was made for the bill for the next month. They constantly change the billing cycle end date therefore making me late even when I am paying in advance.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax and XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$1400.00}
Product: Credit reporting or other personal consumer reports

Years XXXX Most of these accounts do not belong to me if sold they violate my rights. I do not owe these companies and they have been wrote off. I will not pay XXXX to fraud XXXX has no legal contract from me somone falsely gave my name. And still added to my credit I've provided proof to each federal credit bureau and they won't update my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

i have made several attemps by sending dispute letters to all XXXX credit bureaus regarding enquiries and negative items on my credit reports. As of today XX/XX/2023 most of these accounts and enquiries are still showing on my credit report. Please remove them asap. I am having difficulties accessing any funding or even getting a job because of this issue. 

I need these companies to remove their accounts from my credit report immediately : XXXX XXXX XXXX XXXX the amount of {$46000.00} XXXX XXXX XXXX  in the amount of {$18000.00} XXXX XXXX XXXX. closed account XXXX XXXX XXXX XXXX XXXX- charged off XXXX XXXX XXXX. closed account XXXX All XXXX XXXX XXXX XXXX XXXXXXXX loans accounts for {$5600.00} - {$8900.00} - {$5700.00} - {$9100.00} And also the enquiries on my credit report aswell, transunion deleted  theirs but the other XXXX bureus did not. 

thank you
Product: Mortgage

Dear CFPB, I 'm reaching out to you again because Chase Home Finance keeps playing games with my home, it is over 3 1/2 years working on trying to avoid foreclosure. After Chase refuse to help me modify my loan, they place me under a HAFA short sale. 
As of XXXX XXXX we provided a sales contract to move forward with the HAFA Short Sale. Now after 8 months working with CHASE HOME FINANCE. 

Chase keeps refusing to take my calls, they hang up on me and they have now placed a foreclosure sale date set for XXXX/XXXX/XXXX. 

Please help me since we have done everything in our hands to avoid foreclosure since 3 1/2 years ago and now its not fair that Chase Home Finance is playing games. 


XXXX XXXX
Product: Credit card or prepaid card

Today on XXXX I called AMEX ( American Express ) and Agent XXXX didn't verify my PIN number on the account before I proceed with the question. As I'm victim of identity theft and few months ago Fraud department from AMEX issue a new card to me and add the PIN #. When I asked agent why she didn't asked me for the pin, XXXX answered that is not necessary since I have a basic question ( disputing the charge ), after waiting of 20 min per my request call was transferred to the Supervisor XXXX. ( who are all located in XXXX ) stated that is not important my PIN to be verified if PIN was added long time ago ( which was added few months ago by fraud dpt. by AMEX ) As I'm concerned about my security looks like AMEX cust are not saved anymore. 
I bring to SV attention that AMEX customer Service was listed as # 1 and unfortunately I can't say that at the moment are # 1 she stated is there anything else that she can help me and hang up the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX and XXXX are willingly and purposefully lowering consumers scores and affecting personal credit files. They have been found guilty many times for this fraudulent behavior. This has to stop. I had perfect credit history for 5 years and they dropped my score by 200 points for no good reason. How is the public sector supposed to pay into the system or finance anything with this corrupt fraudulent activities going on?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Affidavit. Please delete the items as soon as possible. 

The following personal information is incorrect : Current Address : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXX, Current Address : XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX, Current Address : XXXX XXXX XXXX XXXX XXXX TX XXXX, Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, Previous Address : XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX, Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX.