23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

A Barclay 's credit card was fraudulently opened in my name without my consent or knowledge on XX/XX/year>. I noticed this on my credit report at the end of XXXX XXXX, called the card issuer and had it cancelled. I filed a fraud alert with all the credit bureaus. Barclays refuses to give me any info about the card beyond closing the account and marking it as fraudulent. I still have to pay this so it doesn't affect my high credit score. I have asked multiple times via phone calls that I would like access to either an online customer portal or a copy of a paper bill sent to my mailing address. They refuse to help me. I have also asked to dispute any transactions on the fraudulent card ( which is closed now ) and my request was denied. I know nothing about this card as Barclays has refused to do anything except close the card. I filed an identity theft report with the FTC and report with local police, and Barclays will not let me send it to them. This is going to destroy my credit.
Product: Money transfer, virtual currency, or money service

I discovered that someone is using my phone number to send money Western Union I have found this person connected to my XXXX XXXX and XXXX XXXX accounts the person 's name is XXXX XXXX  the phone number is XXXX and I discovered this with Western Union XXXX send me money to people with my phone number I have had this phone number since XXXX of 2021 I have known that it has been ported out or cloned or whatever it is a XXXX number currently XXXX XXXX because I ported the number to XXXX XXXX  a couple months ago this is also a part of the huge identity theft I'm going through and have been for 2 years I need a lawyer I need help I need someone to help me to find a lawyer so I can acquire and have this come to an end
Product: Mortgage

I have not received any of my mortgage statements through the mail. This company has not recorded my deed of trust to my property in the county recorder 's office as of 2016. 
I have not received verification as well as validation to the following : 1. Chain of Custody of Title to my property 2. Validation of the actual debt that is claimed payable and due my property 3. Proof that you have applied for the default insurance for my property 4. A comprehensive and certified copy of all the accounting ledger since the accounts creation of my property 5. A power of attorney to act or represent the interest of the alleged holder of this note to my property 6. Legal proof that you have perfected title to my property
Product: Credit card or prepaid card

Received notice by email on XX/XX/XXXX from Bank of America indicating they had made the decision to close [ my ] account. I have received no prior warning of this, my account was in good standing with no balance. I have had this account since XXXX. Is this a violation of california civil code 1747.85?
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt appears on my credit report by a third party lender. I initially requested to know who the loan originator was and denied that information. I have requested to have this information removed as the account has been added to my debt consolidation loan in XX/XX/2015. Once my loans were consolidated it should be a violation of my rights for them to continue to report it. I have contacted XXXX/ XXXX/ XXXX regarding my student loan and I have disputed it with the credit reporting agencies ( XXXX, XXXX, and Trans Union ) and the student loan companies are stating that the information is accurate and refuse to remove it from my account. XXXX XXXX XXXX told me that they have no accounts associated with my social security number. When I have them dig deeper they find accounts that are closed, paid in full. However ; they still appear on my credit report as a negative. When contacted, they told me that even though they accepted full payment and closed the account, the missed payments continue to be negative on my account. XXXX XXXX has my student loans in debt consolidation and it shows in good standing on my credit report. What is the point of paying off any debt if you have ever missed a payment? Companies can do whatever they want to consumers and it's basically too bad.
Product: Credit reporting or other personal consumer reports

XXXX got returned because the the car was not owned by Carvana, it was owned by XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXXXXXX : # XXXX, XXXX  XXXX : # XXXX, 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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

I reviewed my consumer report and noticed late payments reporting for XXXX XXXX XXXX XXXX XXXX XXXX These are in violation of of the law and are inaccurate and I demand these accounts be deleted and permanently removed from my consumer report immediately. According to 15 USC 1681 ( 2 ) A ( I ) which states ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Also my right to privacy under 15 USC 6802 which states ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. and finally under 15 USC 1666b stating A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Checking or savings account

I opened an account with Chase in XX/XX/XXXX. I have a 25 year relationship with another more personal bank, but they do not offer business services. 

I deposited {$1000.00} cash at opening, followed by more deposits in XXXX, XXXX, and XXXX. In total I may have cleared {$30000.00} I checks received from clients as I am a small business owner. 

In late XX/XX/XXXX, I received a {$10000.00} bank/teller check from a client who does business with XXXX XXXX XXXXXXXX XXXX That check was deposited on or around XX/XX/XXXX. On XX/XX/XXXX, I received a random email from Chase saying that " You can not use your account ( s ), and we will close it soon ''. It referenced a full letter with an explanation for the closure in my online files. After opening the full letter, there was no explanatory information in the letter, only a number to call. 

On XX/XX/XXXX, I called Chase customer service and was immediately routed to the fraud department. I was informed that the letter was sent to get my attention as they wanted to ensure that I called them. The Fraud department indicated that they only wanted to alert me that the check processing times were taking longer than usual for certain banks, and Chase would not be able to release the funds until XX/XX/XXXX. I was informed that this was due to Chase needing to confirm that all the funds were in the account of the Payor, but was reassured that the funds would be there on XX/XX/XXXX. 

On XX/XX/XXXX, I attempted to transfer the funds, but could not. On XX/XX/XXXX, I called Chase and was informed that the funds from the check were cleared but they needed to talk with the Payor over the phone to confirm that he actually wanted me to receive the check. They indicated that his number had to be verified before a call could be made. I provided his number ( which was an international number ) and was told that international numbers could not be verified. I was told that the only way to verify that the funds were intended for me, would be for the two of us to go into the bank together. I was told that because this did not happen within 10 days my account would be closed. 

On XX/XX/XXXX, I opened my online banking. There is no checking account, there is no reference to there having ever been a checking account, and there are none of my checking account documents online. 

The {$10000.00} which was in the account has vanished without so much as a call or explanation.
Product: Debt collection

Reached out multiple times to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX which is the address dictated on my credit profile via certified mail to have them on the following dates : XX/XX/year> XX/XX/year> XX/XX/year> I've sent multiple letters in attempt to have the debt verified but have yet to reach out nor send responses.
Product: Credit card

On Monday, XX/XX/XXXX at approximately XXXX XXXX XXXX  XXXX discovered that my CashApp debit card had been stolen and used at two locations in XXXXXXXX XXXX. I am in XXXXXXXX XXXX, which is a few hours from that city in XXXX As soon as I saw the pending transactions, I contacted CashApp support to notify them and have the card blocked. The following day, once the transaction was no longer pending, I submitted a dispute stating that my card was stolen from my vehicle and used without my authorization ( or awareness ) at a location far from where I am living. The resulting transactions from XXXXXXXX XXXX currently show one completed for {$63.00} with the other as declined. 

I've heard back thus evening from CashApp with their decision to deny the dispute, stating their review shows the transaction was not unauthorized. 

XXXX XXXX XXXX XXXX XXXX XXXX  ) and did not leave the house on XX/XX/XXXX. Even though this is not a large amount of money, I am very frustrated with being told that my stolen card was not actually stolen. I had to order an expedited replacement debit card for {$53.00} on top of the stolen {$63.00}, to top off the week. 

My understanding ( correct me if I am wrong ) is that at a minimum I am liable for at most {$50.00} of the funds stolen from me. Is this accurate? 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CashApp Card ( Account ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX My information at CashApp matches above. 

I have no documentation to prove I did not authorize the transactions, apart from my behavior immediately reporting, ordering a new card, my full 10 hour day working remotely for my employer ( online ), and my phones location history. Screen shot of one app 's phone location data for XX/XX/XXXX is attached. I can request documentation from my employer of my XXXX source IP address? I'm open to any ideas for additional ways to prove the facts here.
Product: Credit reporting or other personal consumer reports

Congress states 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There Is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

XXXX XXXX XXXX : Consumer Relations Department XXXX XXXX XXXX XXXX XXXX XXXX Subject : Notice of Intent to File Lawsuit for Violation of the Fair Credit Reporting Act ( FCRA ) I kindly request immediate removal and blocking of XXXX XXXX XXXX XXXX XXXX and the handling of my credit information by XXXX. I expect that necessary steps will be taken to ensure that my credit reports are accurately reflected and that any false or misleading information is removed without delay. 

Please consider this letter as a final opportunity for XXXX to rectify the situation in a fair and equitable manner. Failure to do so will leave me no alternative but to proceed with legal measures, seeking remedies for the damages sustained as a result of these ongoing violations. 

I anticipate your prompt attention to this matter and hope for a swift resolution. Please acknowledge receipt of this letter within 30 days. You may contact me at the above-mentioned email address or phone number if required. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Prepaid card

A purchase in the amount of {$320.00} was made at the XXXX XXXX on XX/XX/year>. 
I made a police report with my local police report number XXXX with XXXX XXXX Police Department . I also notified cashapp. I have a message that they are denying my claim for no reason
Product: Mortgage

XX/XX/2019 XXXX XXXX/XXXX XXXX XXXX Lender - The Money Source Loan number - XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX To whom it may concern, We're filing this complaint against TMS, in an effort to put an end to the deceptive business practices that we've experienced since first approaching them for a loan modification, on XX/XX/XXXX. 

Each of these individuals have been an active participant in the deception, however, XXXX XXXX is the supervisor in this area and has contributed the most. 

XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX For the last six months, we have been repeatedly submitting the same documents and chasing people down, to simply get updates. Every time we've spoken with our single point of contact, no matter who it's been, they've never fully disclosed all of the updates/documents that TMS was requiring. Even after our asking them flat-out if there was anything else needed. 

Our first request for modification was denied, the reason being - we didn't meet Seasoning Requirements for a modification. When XXXX explain this to us, he told us that we needed to be with TMS for a  minimum of 12 months before any modification could be done. 

We contacted HUD and spoke to an FHA Counselor - this seasoning requirement does NOT apply on FHA Loans! When we brought this to XXXX 's attention - not only on the phone, but with the actual HUD guideline in an email - he told us that it wasn't proof enough to change the determination and that we needed to wait. 

The most recent Act of direct deception came on XX/XX/XXXX, when we were told by XXXX that the RMA form that we submitted was not the correct form that TMS requires. Even though, it was the form that we used for our first modification request and it was perfectly acceptable. When this was brought to XXXX 's attention - he confirmed that she was incorrect and simply kicked the can down the road. 

All we've been trying to do, for the last six months, is resolve this matter and go back to making our mortgage payments. We've called TMS no less than a hundred times in the last six months and we are no closer to resolving this matter than we were in XX/XX/XXXX. 

Also, our online account shows that we're in active foreclosure - this can't be possible, given that they have yet to file the motion for Summary Judgment. Again. Deception. It's clear that TMS is engaging, fully, in these business practices - if not all out fraud - with regards to resolving this matter with us. The property value on our home has increased and we're certain that they see this as a huge moneymaker, if they were to complete the foreclosure process and send our home to sale. 

Again, we're coming to you, because you have the power to bring these this company back in line. I've attached all relevant documents. Please assist us. I can be reached at - XXXX or by email at XXXX Thank you in advance for your assistance with this!
Product: Debt collection

checked my credit report and noticed a debt collection from XXXX by Bureau Name CONVERGENT I contacted Convergent on X/X/18 and notified them that this was not my debt. The name for the debt collection is XXXX XXXX and I told them that that is not me but they refused to acknlodge that fact regardless of what I said.
Product: Debt collection

I am writing to express my deep concern and frustration regarding the lack of progress in resolving inaccuracies on my credit report. Despite previous escalations and requests for updates, the reported inaccurate late payments still persist on my credit report. I am reaching out to demand that your bureau fulfill its responsibility and promptly rectify these errors. 
UPGRADE INC XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
The inaccurate late payments are adversely affecting my credit score and overall creditworthiness, hindering my ability to secure credit on fair terms. It is your bureau 's responsibility to ensure the accuracy and fairness of consumer credit reporting, and the prolonged presence of these errors is both unacceptable and damaging to my financial standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a hard inquiry on my credit report from a credit card/airline credit card company called Syncb. I  never applied for anything.
Product: Debt collection

This account from XXXX XXXX is currently reporting negatively on my Experian and XXXX Credit Reports. I reported this for Identity theft on XX/XX/2021. 

Under 15 U.S. Code 1681b- permissable purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstance and no other : ( 1 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this account on my credit report? NO I did not give them ANY PERMISSION Furthermore, the FAIR CREDIT REPORTING ACT 15 USC1681b ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include -- - ( A ) Subject to section 1681s-3 of this title, any -- -- -- ( i ) report containing information soley as to transactions or experiences between the consumer and the person making the report ; Delete the above from my consumer report, this agency is in violation ... ... ... ... of 15 USC 1681b. 

I will be seeking damages against Experian and XXXX in the amount of {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 U.S. Code 1692g violations 4. Fair Credit Reporting Act 15 USC 1681b violations for willful noncompliance-616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting, credit repair services, or other personal consumer reports

REPORTED DF address is Attn : Research Dept XXXX XXXX XXXX XXXX, XXXX XXXX, however as you see in the included image photo the alleged creditor XXXX XXXX XXXX, XXXX. failed to accept my consumer complaint OR the INCORRECT ADDRESS was reported, EITHER a clear infraction of the requisite conditions of reporting which is to include ONLY TRUE, FAIR, ACCURATE, and COMPLETE COMPLIANT REPORTED DATA. In the LEAST, this item is NOT REPORTED ACCURATELY as the " returned letter '' states in clarity " Return to sender NO LONGER AT ADDRESS ''. How is this not misleading or even deceptive reporting practices? Surely it is, as such it is unlawful and mandates assert the proper resolution is to eradicate the deceptive reporting so delete today, here and now please. Wrong address was displayed therefore the reporting is DEFICIENT of legal standing to report and to retain is unlawful and a dereliction of adequate mandatory certified compliant reporting of allegations of delinquent and or derogatory consumer information, TRUE or NOT!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX ( XXXX ) has informed me that I was denied for a loan due to the fact there was a previous personal loan charge off that was paid in full. However, I have no knowledge of such a personal loan. This personal loan dates back to either XXXX or XXXX. Currently, XXXX utilizes TransUnion to view customers credit reports. However, there is no report of such an account on my credit report. Also XXXX has this charged-off account listed on my internal XXXX  profile XXXX which is utilized to determine me for future loans with the bank. It has been well over seven ( 7 ) years, and this account is still being utilized to determine my eligibility for future loans with the bank. I have also launched a fraud claim with XXXX, as this is an unknown account to me. The account that is associated with XXXX is for a personal loan in the amount of {$1000.00} dating back to either XXXX or XXXX. 

XXXX has informed me personally that they are maintaining this information within my XXXX profile, due to the fact this information is being obtain from TransUnion. The issue I am having is that this information within their internal system from an account that is over 7 years old and is being pulled from a TransUnion Credit.
Product: Credit card or prepaid card

Experian has been charging me $ 21.95/month since  XXXX  of  2016 , with an initial {$39.00} charge of which I was unaware. That means that they have charged me about {$260.00} without my knowledge over the past 9 months. I called to get a refund for the money that was taken from me, but they would only refund {$60.00}. That 's still {$200.00} gone from my account for a service that I was not even aware that I had signed up for and that I do not use. They do not send an email nor paper mail stating that your credit card will be charged. As far as I am concerned, these charges on my credit card are fraudulent because Experian leads people to believe that they are only charging {$1.00} for a credit report, when in reality they are being charged {$40.00} at the very least.
Product: Checking or savings account

I opened a saving, checking, and credit card account with Navy Federal Credit Union in XXXX XXXX. I had received birthday money as well as XXXX money from family members and two were returned NSF. I brought the account current and since then they have frozen me out of ALL of my accounts online, even to pay my credit card bill. when attempting to access my account i receive this message " We are unable to process your request. For assistance, please call us toll-free at XXXX. For calls from within the Washington DC area, or outside the US, please call XXXX '' SO I called the customer service number on Friday, XX/XX/XXXX and i was told that they have closed and restricted me from all of my accounts. I asked how I was supposed to pay my credit card bill and they told me that since my membership was terminated I would not have account access nor could the except a payment over the phone from a restricted account. My only option, i was told, that i would need to go into a branch, and the closes branch is XXXX miles away from my home. This is my first credit card and now i am unable to make my XXXX 's payment since my account was frozen and I do not live near a branch. I'm XXXX years old and recently lost my part-time job due to them closing because of COVID 19, so my mother has been helping me and was also recently  furloughed until the coronavirus pandemic is over. I will still make my payments but my hands are tied. I am doing everything possible to pay my obligations, but this will ruin my credit before I can even start to build credit.