23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

debt collector from XXXX called my brothers home trying to collect a debt.they called him several times and where forced to give them our number, funny thing is in the last ten years we never reseaved a letter or call from them asking for payment.they have our old address and our new address, but they do n't have our number which we have had since 1997.when they called they refused to tell us who we owed this money XXXX said it was from a debt collector but would never answer the question of who we owed it to.they expected us to just on faith pay the amount.after a long talk he finally said it was from capital bank.we had an account with capital and have paid them off but he said it was from a different account but would not give details.I told him harassing my family for our info was not called for and why did they never send us anything in the mail or call us.no answer
Product: Credit reporting, credit repair services, or other personal consumer reports

cra violation sent infomation in over XXXX hippa destroyed my life no one is helping me
Product: Credit reporting or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for collections. I have tried numerous times to have this situation resolved with no resolutions. Inaccurate Addresses : 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: Checking or savings account

I received a notification that an account was opened in a bank in Connecticut on XXXX XXXX. I live in New York. It showed up on my XXXX XXXX report on my credit card app I have for XXXX XXXX. I have the address and I checked them out online. Its XXXX  so I cant call because they are closed, but I have not opened any new accounts and it shows my account is current with them. I will be calling them first thing in the morning.
Product: Credit card or prepaid card

credit card company says its over 60 days and cant dispute over 60 days when i didnt even authorize the transaction.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I electronically wired {$12000.00} from XXXX to Bank of America. While I entered the BofA account correctly, for some reason BofA reversed the wire and kept {$45.00} of the transfer. I have never been a customer of BofA and never plan to be, yet they kept money of mine that is not theirs. On XXXX 's website there is a wire fee disclosure of only one amount {$25.00}. XXXX never discloses that if there's an issue with a wire the OTHER bank at which you are not a customer of can keep some of your wire fee. This is a scam and I want to be refunded my {$45.00} from BofA.
Product: Debt collection

Credit Control , LLC XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MO XXXX XXXX Reference # ; XXXX XXXX XXXX XXXX, XXXX Acct number ending XXXX As of XX/XX/year> owed {$740.00} Asking me to pay 1 time {$330.00} to resolve the " DEBT '' Wants me to make check payable to Credit Control , LLC Include reference number XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of the information being reported on my credit report by Capitol One, XXXX, and XXXX. Upon reviewing my credit report, I have identified discrepancies in the reported open dates and high credit amounts, which I believe to be in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681.

As per the FCRA, it is imperative that accurate information is reported by credit bureaus and creditors alike. However, the inconsistent reporting by Capitol One, XXXX, and XXXX has led to discrepancies in my credit report, specifically regarding the open dates and high credit amounts associated with my accounts. 

Furthermore, the discrepancies reported by Capitol One, XXXX, and XXXX are not only inaccurate but also constitute a violation of the Privacy Act of 1974. This act mandates the protection of individuals ' personal information held by federal agencies, and any violation thereof is unacceptable. 

In addition, I am exercising my right under 15 USC 6802 to opt out of the reporting of this account on my consumer report. Therefore, I formally request that Capitol One cease reporting this account to XXXX and XXXX effective immediately. 

I request that Capitol One, XXXX, and XXXX conduct a thorough review of their reporting practices to ensure compliance with the FCRA and the Privacy Act of 1974. It is imperative that accurate and compliant information is provided to credit reporting agencies to protect the rights and interests of consumers. 

Please consider this letter as a formal dispute under the provisions of the FCRA and the Privacy Act of 1974. I expect Capitol One, XXXX, and XXXX to take prompt action to address this matter and provide confirmation of the actions taken to rectify the inaccurate reporting. 

Thank you for your attention to this matter. I anticipate a timely resolution of this dispute. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Account was settled multiple times with my negotiable instruments!!! 

First cause of Action : Acquiescence/Nonresponse to Failure, By Not following the Check Clearing for the 21st Century Act, aka Check 21 system, which has caused me Injury and Damages ; Second Cause of Action ; Acquiescence/Nonresponse to Failure, By Not Following by THE NEGOTIABLE INSTRUMENTS ACT 1881, 1988, THE NEGOTIABLE INSTRUMENTS ACT ( amendment and miscellaneous provisions ) of 2002, which has caused me Injury and Damages ; Third Cause of Action : Acquiescence/Nonresponse to Failure, By Not Following The Federal Reserve Act of 1913, The Federal Reserve Banking Act of 1933, which has caused me Injury and Damages ; Fourth Cause of Action : Acquiescence/Nonresponse to Failure , By Not Following House Joint Resolution 192- PUBLIC LAW 73-10, which has caused me Injury and Damages ; With Cause of Action : Acquiescence/Nonresponse to Failure, By Not Processing my Negotiable Instruments because they are Linked to and through My XXXX XXXX XXXX XXXX XXXXXXXX routing and account number, which has caused me Injury and Damages ; Sixth Cause of Action : Acquiescence/Nonresponse to Failure, By Causing a waste of my precious time and resource trying to resolve this issue with My Vendors and Utilities Companies, which has caused me Injury and Damages ; Seventh Cause of Action : Acquiescence/Nonresponse to Failure, By Causing me to find alternate means of making payments of my public debt, which has caused me Injury and Damages ; Eight Cause of Action : Acquiescence/Nonresponse to Failure, By Not returning and destroying my property i.e . my Negotiable instruments, MOAs and or Checks which has caused me Injury and Damages ;
Product: Debt collection

On Tuesday, XX/XX/2018 at XXXX I was contacted by XXXX XXXX XXXX XXXX on behalf of XXXX XXXX XXXX I was threatened with a lawsuit if I did not make a promise to pay to debt. I was repeatedly told the call was recorded. I asked her to please stop threatening me with a lawsuit she did not stop the scare tactic. 

Also on a previous call, they informed me that they had checked my credit to see that I had been settling other accounts and told me I need to settle with them or they would take to me court and garnish my wages.
Product: Debt collection

XXXX XXXX has been using The CCS Companies to try and collect an invalid debt of {$180.00}. They claim I had a XXXX XXXX  done on XX/XX/2018. I was informed by the provider that the XXXX XXXX being done that day was being done by an on-site lab as I had denied consent for off site lab services such as XXXX due to unpredictable cost and inability to pay. XXXX says I must take it up with the doctors office that ordered the test, however they gave me a badly butchered variant of the doctors name that the office didnt recognize at first contact. After finally getting the right info from the doctors office they informed me of other tests run that day which I did not consent to either. They acknowledged my lack of consent and have offered to open an internal investigation, which I do not accept as I do not trust any entity to investigate themselves. I have filed complaint with the state medical licensing board as a result of this.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, 2022 I got a text that my son ( who also has a Wells Fargo checking, savings and credit card account ) had sent me {$3500.00} via XXXX. I immediately called him, and he said he had just received a text from " Wells Fargo '' asking if he authorized a {$200.00} transaction at XXXX XXXX. He replied " XXXX '' and right after received a phone call that came up as " Wells Fargo '' on his phone. He answered and the person on the phone said he was a Wells Fargo representative and my son confirmed he did not authorize a Home Depot transaction OR a {$3500.00} XXXX transfer from his Wells Fargo credit card to my checking account. The " representative '' ( scammer ) said he would help him fix this. They contacted me on a 3 way call. The man said he was a Wells Fargo representative and that in order to fix my sons account, I needed to send that money back thru XXXX to my sons checking account and they would credit it back to his Wells Fargo credit card. I told him I could only send {$1000.00} a day on XXXX, so he told me to send {$1000.00} a day until I had paid back the {$3500.00} to my son 's account. He said once the funds were all received, it could take up to XXXX business days to get back into the right account. So, on XXXX XXXX, I sent {$1000.00} to my son, on XXXX XXXX, I sent another {$1000.00} to my son, on XXXX XXXX, I sent another {$1000.00} to my son and on XXXX XXXX I sent {$500.00} to my son via XXXX. After 10 days it still was not credited back to his account. He called Wells Fargo. They told him his claim was somehow closed. He told them he did NOT close it. They had to re-open the claim and wait AGAIN! After XXXX waiting period, his account was still not credited, until XXXX XXXX when Wells Fargo took {$3500.00} from MY checking account to credit back to my son 's account by online transfer reversal. I only had {$1000.00} in that account so that made me {$2500.00} overdrawn. I have been dealing with Online Claims, Fraud Dept and Escalation Team ever since and have been treated HORRIBLY by a bank I have been with for over 20 years. I have cried over the phone, and in the branch, and become hysterical and been snickered atm blocked from my account because I refused to give MORE personal information over the phone to Wells Fargo and I still have recevied NO resolve for almost 3 weeks now. The Branch manager at one of the branches says he filed a complaint for the way I have been treated and forwarded my case to Escalation, but nothing has been done. Wells Fargo has taken my last 2 paychecks and I still owe over {$400.00}. I keep being told to give them 10 days but it keeps getting stretched out! I can not get answers to exactly what happened but they way my son and I have gathered is that this scammer somehow took posession of his accounts and stole the initial {$3500.00} I sent to MY SON. No one can tell us where the " original '' {$3500.00} has went.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm " XXXX XXXX, '' and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$660.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I have sent letters to XXXX, Transunion and XXXX on separate occasions most recently being XX/XX/XXXX. ( certified mail ) disputing falsely derogatory information furnished by these agencies without my written instructions. 

It was expressed to XXXX, XXXX and Transunion that according to 15 USC 1681s-2. that I have a right to privacy ( under FCRA ). Furthermore, 15 USC 6801 ( a ) ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

( b ) Financial institutions safeguards ( XXXX ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 


There are accounts with numerous late payments and reported charge offs and I have requested these statuses be updated/or the account be removed as 15 USC 1666 b states that a creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

Good Afternoon. I applied for a Chase Card via Amazon. I called the recon line and they denied it again. At this point I feel like I am being discriminated against and no one is looking at my true credit report. My lowest score is XXXX  and my highest score is XXXX. I have no negative items on my report. My last late payment was a year ago, which was my student loan. I am now in a ibrp with them and have had on time payments for a year as of this month. I am an AU on my moms JPMC card as well. I make payments on her card as well. Lastly I have a secured loan that I pay monthly on with on time payments. They said that I had multiple inquiries ... .a few of them were from jpmc and a lot of accounts, which I don't. I think they were trying to find a reason to deny me. I would like someone else to take a look at this. 

Also, they said that there was a card open a very long time ago that I have never had. I am a victim of identity fraud and I have fraud alerts on my reports. I have never had a credit card with jp morgan chase at all. No one gave me any advice on how to clear that up either.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX continues to report duplicate my closed and paid XXXX XXXX XXXX card account monthly to XXXX, Experian and XXXX and XXXX XXXX. XXXX XXXX and XXXX XXXX 
This is an on going issue because the accounts keeps being reported fraudulently. It's bring reported more than once aka duplicated which hinders a fair Chance of increase fico score and financial help from financial institutions and creditors. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this is definitely a negative portrayal to be trusted for financial loans and or credit to start a possible business or get a loan to go to XXXX  school. These practice hurt and keeps the scores from ever going up. It just keeps fico scores deductimg every month.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/scrub>/2024 XXXX XXXX XXXX XXXX/XXXX/2024 XXXX XXXX XXXX XXXX2024XX/XX/year>
Product: Credit reporting or other personal consumer reports

Between XXXX and XX/XX/2024, I made a payment and set up an automatic payment option at the same time. 
In XX/XX/2024 I checked my credit report and it shows a late payment from XX/XX/2024, something I was never notified of. 
On XX/XX/2024 and XX/XX/2024 I sent letters to all the addresses on my credit report and they all returned them as undeliverable, saying the address is wrong, very wrong to report wrong addresses on my credit report. 
I finally XXXX  his address and sent a third letter requesting a review and goodwill letter to remove that late payment, because the payments were made automatically from XXXX XXXX and this affects the ability to get better credit in the future with other banks. 

I even called and they said they would look into it and get back to me. 
There is no answer yet
Product: Money transfer, virtual currency, or money service

At XXXXXXXX XXXX EST, I received an email from Paypal saying I am no longer eligible for funds. In the email they said : " We've made this change to protect your account and to keep the PayPal community safe for buyers and sellers. We'll let you know if your account becomes eligible for Funds Now again. 

You can learn more about why your money from sales might be placed on hold and what you can do. '' 7 minutes later, I get an email being told I can no longer do business with Paypal even though today, I used it for XXXX, XXXX eats for food, making purchase on phone, and receiving fund from a fund. They claim unauthorized activities that I have NEVER participated in, unless they consider buying food and XXXX trips as gambling. I called for representative and they wouldn't tell me what caused the ban out of nowhere and they were so rude and crass about how these funds, which I use for food, I no longer have access to. I have never in my life experience such a horrible experience with Paypal. I have been a loyal customer for several years and took great care to abide by terms of service. I have used my account to raise money before, by doing paypal pools or linking my paypal.me which people used to send money when the paypal pool link wasn't working. I have {$7700.00} that is currently on hold that Paypal is preventing me to having access to said funds. I am very upset and frustrated and I have no problem showing all my transaction history.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, North Carolina, XXXX Email address : XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX 

XXXX, North Carolina, XXXX Subject : Formal Complaint Regarding Credit Reporting Errors and Violations of the Privacy Act Dear Sir/Madam, I am writing to file a formal complaint regarding multiple issues with the credit reporting agencies ( TransUnion, XXXX, and XXXX ) and third-party collection agencies, which have significantly impacted my financial well-being and privacy rights. I request your immediate assistance in resolving these matters in accordance with applicable laws and regulations. 

Issue 1 : Non-Mailable Address The credit reporting agencies have failed to update my address despite multiple requests, rendering their correspondence non-mailable as per 39 CFR 233.3. This has led to delays in receiving important financial information and has adversely affected my ability to manage my credit effectively.

Issue 2 : Misspelling of Name Furthermore, these agencies have persistently misspelled my name in their records, which has resulted in inaccuracies in my credit reports. Such errors violate the Fair Credit Reporting Act ( FCRA ) and its implementing regulations, specifically 15 USC 1681e ( b ) and 12 CFR 1022.41.

Issue 3 : Third-Party Collection Agencies In addition to the credit reporting errors, I have been subjected to harassment by third-party collection agencies that are not affiliated with the original creditors. These actions may be in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692, and its relevant provisions. 

Privacy Act Rights I also wish to invoke my rights under the Privacy Act of 1974, 5 USC 552a, which requires federal agencies to safeguard the confidentiality of personal information and to ensure its accuracy, relevance, timeliness, and completeness.

I hereby request that the Consumer Financial Protection Bureau investigate these matters and take appropriate actions to rectify the errors and prevent further harm. Specifically, I seek : Correction of the inaccurate information on my credit reports.

Removal of any derogatory remarks resulting from the actions of third-party collection agencies.

Enforcement actions against the credit reporting agencies and collection agencies for their violations of relevant laws and regulations. 
Compensation for any damages incurred as a result of these errors and violations. 

Enclosed with this letter are copies of relevant documents supporting my claims, including correspondence with the credit reporting agencies and collection agencies. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. Please keep me informed of any updates regarding the investigation of my complaint. 

Thank you for your assistance. 

Sincerely, XXXX XXXX Enclosures : Copies of relevant documents ( e.g., credit report, correspondence ) Any other supporting evidence
Product: Credit card

On XXXX a charge was placed on my account XXXX. The charge is disputed. Discover required payment for this charge. I made payment via ACH payment on XX/XX/year> in the amount of XXXX. For an unknown reason the payment did not go through. Discover then placed a fee on my account XXXX and XXXX XXXX. Total due {$30.00}. 

I called Discover on XX/XX/year>. They told me that my bank charged them a fee of {$14.00} so they are passing the fee on to me. This is an outright lie. See chat transcript from my bank from today. My bank states there was never an attempted ACH charge to my account during the entire month of XXXX, XXXX. The bank further states they know of no fee charged to my credit card and they also there is not a fee that would have been charged for any failed ACH. 

Discover is defrauding me of XXXX as Discover was never charged a fee. Discover is trying to collect on a charge that I have disputed. 

I asked Discover on the phone to provide proof that they were charged this fee. They refused to provide any proof.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

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