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

On XX/XX/XXXX, went to Bank of America to send a stop payment on three payday lenders because I filed them under litigation with XXXX XXXX XXXX on their practices. I notified the banker if she can make a copy of my letter that I have sent to them and she told me that it was unnecessary since it will be done in the correct time. I then noticed that my account was drafted onXX/XX/XXXX in the total amount of XXXX from two payday loans ( I filed three stop payments ). I called Bank of America on XXXX XXXX, XXXX and notified them of the incident. The telephone banker stated that the stop payment was done incorrectly and restarted the stop payment. I filed a claim stating that the withdrawal was done without authorization and they credit my account pending the investigation. Apparently, Bank of America sent my notifications electronically when initially, they were sent through the mail. I did not authorize for my claims documents to be sent electronically. In XXXX, I found out they sent a notification stating that the credit will be reversed stating that the charge was done in authorization and that I should contact the merchant for a credit ( the third stop payment was credited successfully and stated that they were at fault stating that they did not send documentation and the charge was not authorized ). Since I was under litigation with the merchants, I could not contact them and I asked how was that valid since I told the telephone banker that it was not authorized since the merchants were placed under litigation. They said that the withdrawals were done on XX/XX/XXXX and my stop payment was done on XX/XX/XXXX which was incorrect. They told me to submit documentation and they would reopen my claim. In XXXX, I submit documentation, the letter I gave the banker and the merchants, and the first ( which dated XX/XX/XXXX ) and second ( which datedXX/XX/XXXX ) stop payment filings. I did not receive a response so I called regarding my claim. They told me to wait until the end of XXXX and I will receive a response. I called in XXXX and they told me that I will have to wait until the end of XXXX. Both instances I asked for this to be expedited since this has been going on since XXXX. I called at the end of XX/XX/XXXXand they told me the same thing. They just sent me a notice, electronically of course, stating that they will not reverse their decision. The reversal of the credit also ended up with {$110.00} of overdraft charges due to other transactions coming through the account when they did the reversal. I was amazed at how two lenders charges were listed as authorized but the third, which all stop payments were done at the same time, was listed as unauthorized and I received my credit. I think the telephone banked deleted the initial stop payments from those merchants and created new ones and that is the reason why I am still dealing with this situation.
Product: Credit card or prepaid card

I enrolled in a Barclay 's XXXX XXXX XXXX  promo where all purchases on card have 0 % interest made from XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX I called Barclays to confirm that I could turn off my auto pay and that each purchase I made I didn't owe anything until the 7th month, the rep agreed. I wanted to make sure there was no fine print I was missing. 

On XX/XX/XXXX, I got a voicemail asking me to call Barclays and called into their collections department, I have been a multi year customer with an XXXX credit score. I ended up being on the phone with for almost 2.5 hours, more then 90 minutes holding. 

XXXX the rep I spoke to told me I had a late fee for not making a minimum payment on my most recent Barclays statement. I explained I was under the promo and she told me the terms of the promo are that I must make minimum payment on the card each month for the 7 months of the promo. No where in the promo email they sent me does it say that. 

I escalated this issue the XXXX, a supervisor, fee was waived but only thing I could do was write a complaint letter for my file and I think he said it went to credit score companies.

I spoke to 3 different people that night and offered to email them the promo but was told their systems don't allow that.

I think its very unfair that Barclays can require a minimum monthly payment and not disclose it. It seems like they're trying to make money off the late fees from people who don't notice or that don't spend 2.5 hours on the phone to get a credit. 

I want to make sure the public is safeguarded and not taken advantage of like I was. 

Additionally, I made the minimum payment over the phone XX/XX/XXXX and XXXX alerted me XX/XX/XXXX that my {$75.00} charge to Barclays rejected ( I have a 5 figure credit line with them on card ) I'd appreciate any help you can provide. 
( attached is snapshot of promo email, I can forward originals if helpful )
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX i purchased a new car financed with gm fianncial and made all payments on time leading up to accident that occurred and totaled the vehicle with a drunk driver in XXXX of XXXX ( i was not at fault ). 

XXXX XXXX promptly sent them a check for roughly XXXX that was received by GM cleared on XX/XX/XXXX and received prior. 

I called the GM financial every single day after this check was received for the month of XXXX and half of the month of XXXX asking them to please apply the payment to my balance so that I could get a new vehicle. It was impossible for me to get a vehicle with my credit looking like I just took out a loan for a vehicle 10 months before that, and hadnt paid it off yet. The difference was paid XX/XX/XXXX and when I spoke with someone at GM financial, they let me know that my account was satisfied in full and then I would be receiving a payoff letter within a few weeks. 

I never saw my payments applied to the account until XX/XX/XXXX. After GM financial accrued interest on the principal balance as well as late fees for 3 to 4 months after the vehicle was paid in full and loan was satisfied. 

I didnt know any of this until XXXX when it all came up on my credit reporting saying, I had a charged off account and defaulted on my loan. They had three months of late payments and listed it as a charge off. This has severely damaged my ability to do anything in my life ever since that day. It has sabotaged my ability to move forward, or make any moves with my business, because I am constantly having to fight the charge off that was never actually a charge off. I did all the right things and worked so hard to keep my end of the deal straight on the contract. However, GM financial has severely damaged, my ability to move forward with my life. By the way they have miss handled my file and for the past three years continue to keep these in accurate remarks on my credit report. I have proof and have provided them with proof and they also have proof on their end that everything was paid in XX/XX/XXXX. It is now XX/XX/XXXX and Im still dealing with the repercussions of them and accurately reporting on my credit. I was able to get them to remove it from XXXX XXXX due to all the inaccuracies, but it remains on my XXXX and XXXX has a charged off account. Please help me remove this and correct predatory GM financial. It has been the hardest part of my life just trying to overcome what theyve done to my credit even having the account paid in full less than a year after taking the car loan out in the first place. That is the type of behavior they should be rewarded on credit not punished and lied about for years, so that I am in able to utilize the fruits of my labor and rather stay waiting to have my record cleared of things that I did not commit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN A VICTIM OF AN IDENTITY THEFT, AND I HAVE SENT ALL REQUIRED INFORMATION TO THE BUREAUS AND REQUESTED THAT THE FRAUDULENT ITEMS BE REMOVED FROM MY CREDIT REPORT. 

XXXX XXXX XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX XXXX XXXX ( {$12000.00} XXXX XXXX XXXX XXXX XXXX ( {$1900.00} ) XXXX XXXX XXXX XXXX XXXX {$5200.00} ) I AM VICTIM, I HAVE NEVER AUTHORIZED OR REQUESTED THESE ACCOUNTS TO BE OPENED. THESE ARE NOT MY ACCOUNT.
Product: Debt collection

I contacted the national XX/XX/XXXXand the offered me a settlement of XXXX and it had to be paid by XX/XX/XXXX. I made to separate payments XXXX and XX/XX/XXXX and when I tried to dispute it they are saying i still owe XXXX dollars and when I tried to get on there website to see what the reason is for the balance it is saying it is locked for security reasons but it was open when I made the payments.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ) ,12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that my social security number has been compromised, resulting in identity theft. I have reported this to the Federal Trade Commission and enclosed the FTC Report with this letter. 

Under 15 USC 1681c-2 c ( a ), you are required to block and remove all fraudulent information from my credit report within XXXX business days. The following accounts are unverified and inaccurate, violating my consumer rights under the Fair Credit Reporting Act ( 15 USC 1681 ) : ACCOUNTS BEING CHALLENGE : XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX If you fail to respond promptly, I will pursue legal action, seeking damages for each violation under 15 U.S.C 1692k. The violations include : Defamation of Character Negligent Enhancement of Identity Fraud Violation of the Fair Credit Reporting Act Civil liability for negligent non-compliance ( 15 USC 1681o ) Civil liability for willful non-compliance ( 15 USC 1681n ( b ) ) Failure to comply with 15 USC 1692 ( g ) Violation of permissible purposes of consumer reports ( 15 USC 1681b ) Method of verification ( 15 USC 1681i ( 7 ) ) Right to privacy ( 15 USC 1681 a ( 4 ) ) Requirements relating to information contained in consumer reports ( 15 USC 1681c ) I demand immediate action to block and remove the fraudulent accounts from my credit report. I have provided the necessary information to facilitate this process and request that you acknowledge receipt of this letter and provide a timeline for resolution.

Additionally, I am aware of delays in processing consumer disputes and challenge your belief that third-party assistance justifies such delays. This is a violation of 15 USC 1681i, and any delay will be forwarded to my attorney. 

Please acknowledge this letter and provide a timeline for resolution.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Transunion XX/XX/XXXX I need you to attend the following shown items in this letter which contains data taken directly from my credit report which you have provided. 
Hard Inquiry Removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry Date : XXXX XXXX, XXXX Delete this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C. 1681 ET SEQ. Section 604 of Fair Credit Reporting Act.

Once you have fulfilled my request, mail me an updated credit report reflecting these changes. 
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 USA 1681. The accounts below have violated mi rights. 15 u.s.e 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a 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 tem of information, other than records of convictions of crimes which antedates the report by more than seven ycars. 15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furish 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 inaceurate.

Delete the INQUIRIES below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXXDebt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
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
Product: Debt collection

On XX/XX/2022 I submitted a compliant about a very similar debit that was not mine. The previous complaint ID was XXXX and it was in regard to XXXX XXXX saying I owed {$460.00} and the collection agency at the time was XXXX XXXX XXXX During that time, it was showing up on my XXXX credit report, when the compliant was resolved and identified as an error on XXXX, it was removed off my credit report. Now on XX/XX/2022, I received an alert from XXXX that I had a new collection account open. After I reviewed the information, I found that the amount was the same of {$460.00}, but the company was XXXX, and the collection agency this time was MRS BPO LLC. I did contact XXXX on XX/XX/2022 at XXXX XXXX  to see if anything came up on their end with my social security number and the amount of {$460.00}, but nothing came up. This again tells that there is an error on XXXX 's part or a potential fraud.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of an unauthorized hard inquiry from my credit report. I recently reviewed my credit report and noticed an inquiry from XXXX XXXX Oportun XXXX XX/XX/scrub>/23, which I did not authorize. 
Under the Fair Credit Reporting Act ( FCRA ), hard inquiries should only be made with my explicit consent or in connection with a credit application I initiated. I have no recollection of authorizing this inquiry, nor have I engaged with XX/XX/XXXX/Oprtun regarding any credit application.
Product: Payday loan, title loan, or personal loan

I secured an online personal loan from upgrade.com in XX/XX/XXXX. They gave me a rate reduction if I made the payment from an upgrade checking account. My first payment was due on XX/XX/XXXX. That payment was made on time. I have made the following subsequent payments to the loan on the following dates : XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, and XX/XX/XXXX. All payments were made ahead of the due date. In late XXXX I was receiving collection calls from upgrade. I logged into the upgrade app, it showed I was delinquent even though I was ahead in my payments and I called them and spoke to XXXX. She stated it appeared to be a system error, and that she escalated to management and then put in a ticket to find out why there was a billing error. Then on XX/XX/XXXX I received another collection call. I called in and was told that the previous ticket had been submitted but they confirmed I was not late, it was their error, and a manager was handling it. I expressed great concern because I am employed by a financial services company that monitors my credit. If I have poor credit, this can affect my work. They assured me that nothing had been reported to the credit bureaus and that the error had been resolved. On XX/XX/XXXX I received multiple alerts from credit monitoring that I had a 60 day delinquency showing on my credit from Upgrade. I called upgrade again and was transferred to XXXX who said he was a resolution team member and that he was submitting another ticket to correct the incorrect reporting. I explained grave concern over my credit being affected because of my job and my good credit history. He stated he could verbally tell me that upgrade made the error but he could not provide me anything in writing and that i would have to wait 30-60 days until the credit reporting agencies got his dispute correction. I asked multiple times to have something in writing and I was denied. I find it incomprehensible that a financial company can make an egregious error and verbally admit to it, but won't put it in writing to remedy the consequences the error is causing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to reach Cornerstone Home Lending for weeks in relation to my 4 loans. They REFUSE to get back to me. They have reported one loan as late during COVID which just dropped my score by 70 points. Every loan I have had with them has had issues. They change they payment amounts CONSTANTLY. They post payments wrong and then payments back to me making me late. They have always been impossible but now with COVID they are being totally irresponsible. 

I paid off one loan last week and I need acknowledgement it's been paid off and it needs to get recorded. 

They need to contact me about the loan they reported as late. By the time they got me ANY INFORMATION on this loan, payment amount, account number, etc, it was already two months past when the first payment was due. They need to contact me. I sent a certified letter. I have sent 4 emails. I have called 50 time and nothing.
Product: Debt collection

This company has changed the date of service on the account to extend the time that they can attempt to collect. This account was for a medical service that the original provider refused payment. I had attempted to pay several times and on my last attempt the provider said they were not going to accept my payment. I had it noted on my credit report that the provider refused payment, but now that medical debt is not listed anymore there is no way to place that notice. Even with the notation though, creditors would continue to contact me anyway - as no one reads these addendums and credit reporting services seem to ignore addendums and their " investigations '' rarely lead to any notes being added to your report. 
This particular bill was from XXXX and on the letter from AssetCare, the service date is listed as occurring in XXXX. They are the last in a string of companies that have attempted to collect payment after I notified the original ( XXXX XXXX XXXX ) ageny, that the provider refused my payment and that I would not then be giving it to a company that provided me no services. The fact that they fraudulently changed the date of service to extend this harassment is a step too far.
Product: Debt collection

Southwest Credit, LP purportedly acting on behalf of XXXX XXXX XXXX XXXX wants to collect a debt that I do not owe. All my bills for services provided to date by XXXX XXXX XXXX have been paid in full as shown in an attachment hereto. 

I have sent notices of dispute to both XXXX XXXX XXXX and to Southwest Credit, copies of which are attached hereto.
Product: Debt collection

Portfolio Recovery Associates scared me into signing a judgment order past the statue of limitations date. I signed the judgement XX/XX/XXXX not knowing that the statue of limitations was 2 years past the limit for Mississippi. The last payment on the original account was XX/XX/XXXX. Mississippi statue of limitations is 3 years. I have requested for the collection to be removed multiple times with them saying that the debt is valid. I recently requested validation and then discovered that they unlawfully had me sign a judgment order past the statue of limitations for a credit card debt.
Product: Debt collection

RADIUS GLOBAL SOLUTIONS is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$350.00} does not belong to me. This account was fraudulently opened through this company in XXXXXXXX XXXX XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.