23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Is the CFPB going to allow this case to be closed when Barclays response was clearly based on incorrect information? 

Barclay 's sent me a letter dated XX/XX/21 that if I didn't use credit card my card within 30 days, the account would be closed due to inactivity. A review online of my account on XX/XX/21 showed the account had already been closed. After calling Barclays Customer Service the same day, I found out that they closed the account on XX/XX/21 and would make me reapply to have another card. The credit line on the card was {$13000.00}, this has now caused my utilization rate to increase significantly, impacting my credit score. The representative didn't appear to know how I could formally file a complaint with his company, except to have somebody call me. He certainly didn't seem to know how to log any CFPB complaints internally. It's unclear to me how a company can send a letter saying I have a certain number of days to do something and then take action prior to allowing the given timeframe for that to occur.
Product: Checking or savings account

I can not pay my rent with XXXX with my banking account
Product: Bank account or service

I called the XXXX number because they were several {$36.00} fees on my account. I have n't called to have any of the fees waived on my account in years. I am disable and I asked the young lady XXXX employee # XXXX could she waive any of the fees. XXXX advised me that US Bank do n't waive any fees. When I asked her for a number to someone that I could speak to that 's over her. She gave me a p.o.box nnumber. I have been a customer at US Bank for over XXXX years and have even recommended family members to open up an account. I felt that the young lady was very rude and was n't even trying to work with me. To loose a customer that 's been a customer for years over {$72.00} fee is insane. Before I became XXXX I worked with many customers in order to make them happy. An employee like XXXX employee # XXXX could give US Bank a bad name with consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. XXXX XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.
Product: Credit reporting or other personal consumer reports

on XXXX, i sent Transunion. XXXX, and XXXX letters disputting the inaccurate and incomplete items they are reporting on my credit report. violating 15 usc 1681e ( b ). it states Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

the items that are inaccurate are the following ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I HAVE COPIES BELOW FOR YOUR REFERENCE
Product: Debt collection

I was XXXX  in the Iowa XXXX  XXXX XXXX and the XXXX Judicial Department XXXX XXXX XXXX XXXX off and on and even during this alleged account being opened in XXXX XXXX XXXX, I have no knowledge of this account no correspondence from them in originality of the account ever being existed or created by me. I have had numerous attempts to dispute said debt of {$440.00} dollars with all three major Consumer Credit reporting agencies all three having different opened/closed information or any info at all with two of the three being XXXX as the only one reported still outstanding but other two agencies show that one the original account amount was originally {$300.00} but that's not what was reported to all credit servicing agencies, I've had fluctuations in Credit scores and XXXX scores . Have updated info in regards to address updates and requested info pertaining to account and nothing has been sent or anyone contact me. XXXX XXXX the original lender of credit that was honored was never given, signed or agree upon by me or my next of kin. The address given was inaccurate as the address on mailing address for said company is not a debt collectors building rather a children 's academy for educational purposes.NOTE : THAT THERE IS POTENTIALLY A IDENTITY THEFT INVESTIGATION UNDERWAY DUE TO THIS COMPANY AT FIRST NEVER Reported THAT THIS ACCT existed at least it was untiluntil after I went to go open a savings/checking acct and the bank did a " hard inquiry '' at this time no accounts wer even listed during search of a current then XXXX I owe until some days later. I have made numerous attempts to have them " show cause '' of the alleged allegation and to no prevail, this alleged collection of XXXX is burdening my loan requests history from financial entities of approval for even used car as well and having to charge phone.
Product: Checking or savings account

Company name : Wells Fargo Company name : XXXX Originally made a purchased on XXXX on XX/XX/2021. Returned the products as I no longer needed them. Received refund on the purchase on XX/XX/2021. 

XXXX had charged me again on XX/XX/2021 for the same purchase and I filed a claim with Wells Fargo on XX/XX/2021. I let the representative know the details of the situation. After speaking with multiple departments from Wells Fargo, I have now learned that the claims assistant should have filed the dispute as " unauthorized '' instead of " fraud ''. The claim is now over and I have " lost '' the claim. Wells Fargo is no longer willing to help their customer of over 10+ years.
Product: Credit reporting or other personal consumer reports

I am writing to you again regarding a persistent error on my credit report, in which late payments are inaccurately listed. I have previously filed a dispute concerning this matter, but the response I received was neither satisfactory nor conclusive. Furthermore, I have not been provided with any evidence that these late payments actually belong to me. 
The item in question is a late payment reported by XXXX XXXX XXXXXXXX for the account number XXXX late payments are reported as being dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I would like to remind you that under the Fair Credit Reporting Act ( FCRA, 15 U.S. Code 1681i ), Experian are required to thoroughly investigate disputes and correct any inaccurate information. Additionally, under the Truth in Lending Act ( TILA, 15 U.S. Code 1637 ( b ) ), creditors must ensure that information about the terms of credit, including payments, is accurate and correctly reflected.

Moreover, under 15 U.S. Code 1681s-2, furnishers of information are obligated to ensure that the data they report to credit agencies is accurate. The incorrect late payments should be removed from my credit report, as I have no evidence indicating that these payments actually correspond to my account. 
Therefore, in accordance with the laws mentioned, I demand the following : A new and thorough investigation of the late payments on my credit report, followed by correction of any inaccuracies. 
The immediate removal of any late payment entries that are incorrect or unjustified. 
The provision of verifiable evidence proving that these late payments belong to me, should they not be removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, I'm attaching the letters I sent you last XX/XX/2022, including a copy of my ID for identity verification. Its been over a month now but you still haven't complied to my request and the errors on my report has not yet been removed. The FCRA requires the credit bureaus to investigate and respond to the letter within 30 days so this is obviously another violation of my right as a consumer. I will seek monetary compensation should you continue with your non-compliance.
Product: Mortgage

XX/XX/2023 To Whom It May Concern : Loan # XXXX Property address : XXXX XXXX XXXX XXXX Nj XXXX I would like to request the written transcripts from my recorded conversations with Flagstar Bank on the following dates : XX/XX/2023 XX/XX/2023 XX/XX/2023 Be advised I have a loss mitigation application submitted since XXXXXXXX XXXX and was advised on XX/XX/XXXX that I was approved for a partial claim and modification since XXXX XXXX but I had not received the paperwork as it was not mailed out to me as of yet. Indicated below is the New offer from Flagstar : New mortgage payment {$2900.00} APR 4.5 % New Principal {$230000.00} This would have started XX/XX/2023 I was then advised if I do not receive it to call back and investigate the status. 
I called back on XX/XX/XXXX and was informed I was denied because of an error from underwriting and old modification. 
Called back on XX/XX/XXXX and was informed the forbearance expired ; XX/XX/XXXX the modification was approved ; XX/XX/XXXX it was denied ; XX/XX/XXXX a XXXX was sent to me **which I did not receive ; Agent escalated this to XXXX XXXX the Supervisor who was supposed to call be back in regards **I did not receive a call You can not extend an offer which was approved and then resend it. I have complied with everything requested of me and to no avail I keep getting the run around let alone no resolution to my cause. Im not certain what is going on but I feel as though Im being discriminated against. I would appreciate if someone would get back to me in regards. 

Thank you Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX # XXXX
Product: Debt collection

I signed up for high speed internet. Summer of XXXX. 

Unfortunately the internet worked inconsistently. I live in the Mountains XXXX XXXX XXXX. I contacted them on 3 different occassions after instalation to get the issue resolved.

They put me through to techincal department 3 separate times. They made changes to the router settings. Nothing worked. Took 4 hours to watch a 2 hour movie as it continued to buffer. The internet speed would stop or was extremely slow. Could not attend XXXX  meetings. Was unable to work from home. 

They failed to provide the proper service they advertised. I had to switch to a different provider. 

I disputed their cancelation fee they charged my credit card. They failed to respond to the baks dispute as they could not prove they provided the service. Now they are sending letters. They are not owed money when they failed to provide the proper services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon review, items on my credit report have been deleted from other consumer reporting agencies but coming up verified with Experian, this can not be possible. Please see attached documents.
Product: Mortgage

My mortgage loan has been serviced by XXXX XXXX XXXX ( XXXX ) since XX/XX/XXXX. On XX/XX/XXXX, I received a hard copy in the mail of a welcome letter from newrez dba Shellpoint informing that it is now the servicer of my mortgage. In the welcome letter, there were " XXXX key things to know, '' which included that my loan number would " remain the same '' and to sign in using my XXXX  credentials. 

My payment was due XX/XX/XXXX, a Saturday. On Sunday, XX/XX/XXXX, I went as instructed to the XXXX website to pay my loan, which immediately forwarded to Shellpoint 's website. There was no way to pay online, except to register, which I did. I received a message that I would get information to pay online when they set up my file. No email has been received in follow up from Shellpoint in the last XXXX hours. 

I called the number that was on Shellpoint 's website : XXXX, and because the welcome letter did not have my account number on it, was placed on hold for 1 hour and 18 minutes. I finally gave up and tried again, this time using my XXXX  account number, entering it electronically using my phone touchpad. That took me to a customer service representative after a 5-minute hold, and this call took 33 minutes. 

This call was recorded and the person on the other end of the call could only identify the amount of my payment. She could not find my loan in her system, nor any matching social security number. When she located the property address, the last 4 digits of the social security number were not correct. I asked if I would get a receipt. She said within 24 hours. I asked when I would learn of my new account number. She said that would be when it was created with no statement of timeframe. Basically, she could not tell me. 

I asked her if she had my email address, and she said no, but when the payment was entered into the system, it would have my email address and notify me that the payment was made. 

I told her I was not comfortable giving her my bank account number over the phone for a {$4600.00} payment without adequate safeguards such as getting a receipt and knowing that the payment would be properly applied. She kept asking me if I was ready to pay. I noted that if Shellpoint could not find me in their system, how could I be sure they could actually apply the payment and not lose it. I asked to speak to a manager and she said that was not possible. She also pressured me saying my payment was due and that there was no grace period. My XXXX statement provides a grace period until XX/XX/XXXX. 

I declined to make my payment over the phone and instead have mailed it to XXXX  with the paper statement stub for XX/XX/XXXX that I had received in the mail separately from the Shellpoint welcome letter. I note that the telephone number on the reverse side of the XXXX statement is the same number that I called today to reach Shellpoint. I informed the person on the other end of the call that I would be making this complaint.
Product: Credit reporting or other personal consumer reports

There's several inquiries on my credit report that I do not recognize. I am not sure how someone got my information but I am trying to correct it. I contacted Equifax over the phone about the inquiries and they told me to go online and create an identity theft report. They said that once I send them a copy of the identity theft report that they would remove the inquiries from my credit report. I did everything they asked me to do but they still have not removed the inquiries. This is causing me so much stress while I am trying to get this issue resolved. I am pressed for time because I am trying to buy a home for me and my family but these inquiries are holding me back! 

Here 's a list of the inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I am submitting this complaint to get help from the CFPB with getting this issue resolved since Equifax is not cooperating. XXXX has already removed these inquiries so im not sure why Equifax is giving me such a hard time. Please help! 

I've attached a copy of the identity theft report along with copies of my ID and social as proof of my identity and proof of my address. 

Thank you!
Product: Credit card or prepaid card

On Tuesday, XX/XX/XXXX of 2020, a purchase was made in the amount of {$460.00} using my Capital One Bank credit card information at a XXXX XXXX location in XXXX XXXX XXXX, New York. Let me make this clear ; my card never left my possession. It did not go missing. That being said, I was never alerted of this charge by my bank. The purchase was cleared and went unnoticed. Two weeks later, was when I checked my credit card statement when I noticed the charge. I immediately alerted Capital One Bank. They said, Sometimes we mail out pre-activated replacement cards that can be used. I was shocked that a card was being mailed without prior notice or request and a PRE-ACTIVATED card puts me at risk. An investigation was opened and not long after I was mailed a determination letter stating they have no proof my card information was stolen. I said my card was not stolen, my information was stolen, and your company TOLD ME you mail pre-activated cards to consumers. Ive spoken to 10+ Capital One Bank team members and a majority of them pass me on to the next person and next person. Not only will they not take accountability, but they are inadequate. I reported this matter to XXXX XXXX customer support but seem to have no knowledge on how to handle matters on this level. Its been frustrating and detrimental to my well being dealing with this. I am not working due to COVID-19 nor do I have the funds to shop at XXXX XXXX or cover the bill of {$460.00}. Capital One Bank is unprofessional and have no formal training of reliable customer service. Please help.
Product: Vehicle loan or lease

American Car Center was bought by Westlake Portfolio Management last year, right as my wife made her last payment on the car. Westlake Portfolio Management sent her a document letter stating that {$0.00} was owed on the remaining balance. As of XX/XX/year> they repossessed the car for non payment. Upon calling they always avoid questions, or just simply don't have a answer and hang up. When asked why they sent a document stating we owed {$0.00} on the account, they respond with " well I dunno '' and continue saying there's money owed but refuse to provide any proof of any amount owed at all. They simply ignored our lawyer that reached out, and refused to respond to any inquiries regarding the matter.
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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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. 
The FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not take the proper precautions when storing consumer information, then waited six weeks after discovering the hack before informing the public. According to Equifax, I may have been affected by the incident. Equifax may have exposed my social security number, driver 's license number, and many other pieces of personally identifiable information without my consent.
Product: Credit reporting or other personal consumer reports

XXXX, Experian and XXXX continue to report negative information on my credit files. The inaccurate and incorrect information being reported by XXXX, Experian and XXXX is a result of the XXXX XXXX XXXX from XXXX. Some unknown person ( XXXX ) has stolen my identity several years ago and this has affected my credit for several years. I have continuously disputed and have tried to get the XXXX aforementioned credit reporting companies to remove/delete this inaccurate and incorrect information from my XXXX credit files. The accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These are not my accounts and I want them Reinvestigated and removed. This negative inaccurate and incorrect information is affecting my ability to obtain credit, employment and apartment.
Product: Credit reporting or other personal consumer reports

I am disputing inaccurate and erroneous information being reported on my credit report by XXXX XXXX and a third-party collection agency TruAccord regarding the same alleged debt. This letter serves as a demand for immediate removal of this inaccurate information under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and other applicable consumer protection laws. 

Inaccurate Reporting and Multiple Debt Collections : According to the FCRA, credit consumer agencies are required to report accurate and verifiable information. I have discovered that XXXX XXXX is reporting a debt under their name, while simultaneously, a third-party collection agency XXXX is contacting me for the same debt. This constitutes duplicate reporting and is inherently misleading and inaccurate. 

Consumer Laws Against This Practice : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : This section mandates that information furnishers must not report inaccurate information to credit reporting agencies. The existence of XXXX entities reporting the same debt is a clear violation of this provision. 
Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e : This statute prohibits false, deceptive, or misleading representations in connection with the collection of any debt. Reporting the same debt multiple times misleads and deceives the consumer and potential creditors. 
Florida Consumer Collection Practices Act ( FCCPA ), Fla. Stat. 559.72 ( 9 ) : Under Florida law, it is illegal for a debt collector to assert the existence of a legal right that does not exist. Attempting to collect the same debt through multiple agencies violates this statute and causes undue confusion and harm to the consumer. 
XXXX XXXX continues to update my consumer report on a monthly basis, which constitutes ongoing harassment and an attempt to re-age the debt. This practice violates the FCRA, which requires that only accurate information be reported. 

I am demanding the following actions be taken immediately : Complete Removal : Remove all references to this disputed debt from XXXX XXXX from my consumer report across all three consumer reporting agencies ( Equifax, XXXX, and XXXX ). 
Cease Monthly Updates : Ensure that no further updates regarding this disputed debt are made to my credit report. 

I expect an investigation into this matter and a resolution within the 30-day time frame as stipulated by the FCRA. Please send me written confirmation once these items have been corrected
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw an unknown inquiry on my Equifax Consumer report. 

XXXX XXXX XXXX, 2023 Please remove this unauthorized information. 

XXXX XXXX XXXX