23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Late in the day on XXXX, I transferred money to a person via XXXX in my chase app for tickets to an event in the amount of {$450.00}. On the morning of XXXX, the tickets had not arrived. I contacted the person via text who never responded. I then called them, they immediately hung up and blocked me. I immediately called chase bank to stop the transfer as it was a scam. Chase bank told me that because of the terms and conditions with XXXX, there were no actions that they would take. I then called XXXX, where I could not reach a person via phone. Via XXXX messaging with XXXX, they told me that they offer no protection to their users and I would have to file a claim with my bank. I then contacted chase via XXXX XXXX  and additional phone calls and was told repeatedly that they care for the customers but they made no attempt to obtain the money from the scammer. I was in contact with both companies less than 12 hours after the transfer occurred and neither made any attempt to rectify the situation and sent me on a wild goose chase with neither company having any accountability.
Product: Debt collection

I have received several calls from a collection agency regarding this account. I have informed them on several different occasions that I have no knowledge of this account and they should remove my contact information, and removed this tradeline off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of inquiries 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 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 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 XXXXXX/XX/XXXX 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 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 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 or other personal consumer reports

There is a list of a high balance of {$440.00} I called capital one credit card company spoke with a manager the manager looked over my account information told me I have no high balance on this account off {$440.00} there is a list of a high balance of {$440.00} listed on all XXXX credit bureaus capital one and its management admitted that there is no high balance on this account I currently have copies of XXXX  months of records showing there is no high balances. I posted a dispute with credit bureau with no help. Second issue is capital one credit card company is not reporting proper reporting of trade lines on this account missing information of several trade lines not being reported
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX ; XXXX XX/XX/2021 ; XXXX XX/XX/2021.
Product: Credit card or prepaid card

I have been having problems with my credit card payments with Bank of America. Each time I try to make payment I either have to call to resolve the problem. The system of the bank does not have auto pay cancelllation through online and so I had to call to cancel it. But still didn't solve the problem and they took out money twice for each card for one billing month. So I requested for refund for one each payment. In the meantime, since it takes 2 billing cycle to refund it back to me, I had to make the next month bill. So I made an arrangement for each card making sure it is not past due and more than minimum amount due. Since I always had problems each months I had to check through online every day, if my payment I s correctly made. And again, it says " your payment is past due, please call ''. So I called to BOA to resolve it and find out why I am keep going through this problem. I even spoke with the supervisor on XX/XX/XXXX on the due date to resolve - why my payment didn't go through. ( I even checked with my own bank to make sure they didn't have any problem- which they didn't ) The supervisor told me that the prior agent mistaken wrote the wrong bank account number so he apologized and said he took care of it so I don't have to worry about. So I thought it was resolved. But today, a week later, checked BOA account online and saw the payment still wasn't made. I made sure that the supervisor had the right account number and routing number. And called my bank to see if there is any problem on the system, and they didn't. So I called again to BOA and it automatically put me on the collection department of BOA, and the supervisor told me that I didn't make the payment so it is my responsibility for the payments. I explained the whole story and she didn't even want to listen to me and yelled at me saying " ma'am I don't care I dont see the notes saying thay I made a phone call last week to try to make a payment or resolve this issue ( yes of course at this point I was so upset I had to yell at her too ). My interest rate is going higher each month due to the whole issue ( late fees and interest rates added ). It is not right.
Product: Credit reporting or other personal consumer reports

This is 3rd request under FCRA 623 ( A ) ( 8 ) ( E ).

Your office has never sent me the information I am requesting and you are in violation of FCRA 623, therefore this is a new request for the PROOF that supports your reporting to XXXX a Date for account to be XXXX XX/XX/XXXX when I have documentation from XXXX XXXX  that you purchased the alledged account that states Date of Last Payment as XXXX XXXX which would make Date of First Delinquency be XX/XX/XXXX which is the date that triggers the 7 Year reporting period. 

Portfolio Recovery knows or should have known this account has been ILLEGALLY REAGED! 
According to todays XXXX  Credit Report dated XX/XX/XXXX it appears your agency has illegally verified my re-aged account dispute again because as of today XX/XX/XXXX account is no longer under dispute and remains on my XXXX Credit report as Portfolio Recovery # XXXX. 
Allow me to inform you that I keep very careful records each time your agency verifies my dispute and will seek monetary relief for each time your office verifys knowing or should have known account date to be removed is reporting inaccurately and knowing full well that you did not provide PROOF, but continue to report inaccurate information and then verify on a legally binding document ( XXXX  ) in total disregard of FCRA and FDCPA laws. 

How can Portfolio Recovery report the date to be removed as XX/XX/XXXX when the Date of Last Payment was reporting XX/XX/XXXX by XXXX XXXX  and I have document with their letterhead stating Date of Last Payment as XX/XX/XXXX. 
This is a new request for information under FCRA 623 ( A ) ( 8 ) ( E ) for documentation for to send me regarding the purchase agreement with XXXX XXXX. Additionally, this is also a newrequest for complete statements from the beginning of alledged purchase up to the end of alledged purchases showing ALL payment amounts etc. regarding this alledged account. 
Portfolio Recovery is reporting a debt that has been illegally re-aged and I vehemently request monetary relief via CFPB or Portfolio. 
Portfolio Recovery can save time and money by forwarding me a postal Money Order for the Amount of {$2000.00} due to Re-Aging violation under FDCPA and FCRA.
Product: Credit card or prepaid card

In XX/XX/XXXX some XXXX purchases for about {$73.00} were charged to my citi credit card. I thought I had used a different card and didnt see my email to pay card. This caused a {$29.00} late fee. I didnt see statement until XX/XX/XXXX and it had a new late fee of {$40.00}. I called and advised that I thought I had used another card and paid card in full. The rep said they understood and could reverse the fees. I checked my card again and saw the fee was not reversed. I called and I was told not to worry that they saw it and at end of closing it would be reversed. My bill closed XX/XX/XXXX and a new fee charge came in of {$40.00}. Now a total {$100.00}. I called and was on the phone with several people and they said nothing can be reversed. I explained that if they would have told me from the beginning I would have paid the late fee instead of compounding late fees. The rep hung up on me. I called today and closed my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNT DISPUTED DOES NOT BELONG TO ME. THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT FILE, PLEASE RE-INVESTIGATE AND HAVE THOSE NEGATIVE ACCOUNTS OFF MY CREDIT FILE.
Product: Debt collection

After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with accounts listed under LVNV Funding. I requested a validation on XX/XX/XXXX as these were accounts that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the accounts continue to reflect on my credit report and I have not received any correspondence from creditor to validate these accounts as correctly belonging to me nor has any update been made on my credit report to reflect that the accounts are disputed and therefore a 2nd validation letter was sent out on this day. As of XX/XX/XXXX I have not received the requested validation in a timely manner according to the Fair Debt Collections Practices Act and I do not believe the accounts belong to me nor do I believe that the creditor has authorization to access the accounts nor authorization to attempt to collect on the accounts and the accounts continue to negatively affect me. Please strike and remove these accounts from all 3 credit bureaus until adequate validation has been received proving that the accounts belong to me and all information is correct.
Product: Mortgage

I have been a client of Wells Fargo since before birth, my parents have had millions of dollars in Wells Fargo even to this day. I applied for a mortgage loan in XXXX of XXXX and had my rate locked in. I was applying for a mortgage on a home I already owned, I was XXXX XXXX XXXX and owned my home outright and was trying to get a loan for XXXX on the home I owned. I was approved for a rate of XXXX and then I was called and told my application was actually declined due to a XXXX month period of unemployment from XX/XX/XXXX to XXXX of XXXX. I was clearly redlined.
Product: Credit reporting or other personal consumer reports

XXXX has a paid car loan on my report thats in collections by error, the car was paid in full before it was sent to colloection, after speaking with the bank itself who agrees that it should not be in collection, i filed several disputes explaining this is an error, they still says is verified, i never recieved anything showing proof its verified, There is no dollar amount to collect wich it clearly says on the account, Spoke to bank several times and they are certain that they have not recieved anything about this and agrees it should not be there and needs to be removed from all three beuros, nor has XXXX remove the past addresses from my personal information from my previous complaint, i need this account remove from all three beuros The accout XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  should not be reporting the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The date of my final divorce decree was XX/XX/2010. Please reference Section 8 on the attached copy of the decree. It states : the home was supposed to be refinanced or sold in 6 months. This account is well over 6 months old and should not be reporting at all on my credit report. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus multiple times to remove this account however, I have not been successful.
Product: Credit reporting or other personal consumer reports

Good day Iam XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX FL XXXX XXXX Last 4 ss # XXXX I recently looked at my credit reports and I noticed you are reporting some late payments that are NOT accurate and I would like you to update these late payments to ON TIME PAID AS AGREED. I have listed the account name and account number below along with that date you are reporting late, and those dates need to be changed to PAID AS AGREED. Account name : XXXX Account name : XXXX Account XXXX Dates reporting NOT Accurate : XX/XX/XXXX XXXX  Please fix this immediately as it is hurting my chances of buying a new home and IAM XXXX yrs old I have NEVER missed a PAYMENT EVER! these late payments are NOT Accurate. Thanks for your help, XXXX XXXX XXXX
Product: Debt collection

It stated date of service that I Did not have. I was not in RWJ ER, on XXXX XXXX, 2019 2019
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$300.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Further information from XXXX on my public record, states that the info Equifax are saying they verified through XXXX is false. XXXX even sent out the documentation to Equifax that verifies they are holding info on my credit file that they did not get from XXXX. Equifax still refuses to provide me verification of where they got the info so I can rightfully dispute it with the entity. XXXX did the right thing and deleted the public file in accordance with the FCRA. With no verification, The info on my credit file dealing with the public record number XXXX needs to be deleted immediately.
Product: Money transfer, virtual currency, or money service

I was scammed by an online romance. I sent {$320000.00} in wire transfers to people in the United States which my romance scammer directed me to send the money to. I also sent {$86000.00} in cryptocurrency from XXXX XXXX and XXXX to him. I have filed an XXXX FBI Complaint already. Bank of America failed to investigate or ask me questions or counsel me about fraud and this was negligent on their part in not intervening. Bank of America has no clear cut information posted as to reporting fraud, no notification as to time limitation and no information that the funds can not be recovered under FDIC insurance.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reincestigation of disputed information on my credit report, leaving inaccurate or unverifiable account unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to foward consumer-provided evidence to furnishers accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or ammend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

XXXX has illegally falsely submitted a dispute without my consent that caused substantial decrease of my credit score as a XXXX discriminating tactic to hold my personal credit score at poor rating because I have made complaints against XXXX for incorrect and improper credit score calculations and reporting to lenders and not positively crediting my score correctly each month after positive credit account information is being reported to XXXX each month. I did not file a dispute with XXXX therefore they illegally filed a dispute on my behalf which has no results of any changes to my report only a significant decrease in credit score without any explanation of why the change in score only to refer to credit report which doesnt show any changes. XXXX has used discriminating practices to negatively impact credit score in retaliation to complaints about their company. XXXX has not properly and accurately applied points to my credit score each month in efforts to hold credit score down to poor rating. Experian customer support is unprofessional and rude unwilling to provide support avoiding and deterring consumers with discrimination tactics to prevent them from complaining about their company
Product: Credit reporting or other personal consumer reports

I pulled up my credit files from each credit agency, Transunion, XXXX and XXXX. Each of these agencies are reporting accounts that do not belong to me. The accounts are listed as XXXX XXXXXXXX XXXX with account number # XXXX, XXXX XXXX XXXX with account number # XXXX, XXXX XXXX XXXX with account number # XXXX, XXXX XXXX under account number # XXXX. I have requested each credit agency to provide me with contracts that bear my signature that I signed for these accounts. Under the Fair Debt Collection Practices Act ( FDCPA ), a debt collector must respond to a request for a debt validation letter. If they don't, they're in violation of the act. I will be filing a complaint as well to Maryland State Attorney General Office. The dates the information was requested is XX/XX/2023 and XX/XX/2023. As of today I have not gotten anything from any of the credit reporting agencies.
Product: Debt collection

Old debt from 2019, that I acknowledge with XXXX XXXX. Made arrangements to pay collection attorney. After several payments on Glasser and Glasser web portal to pay were made. I started receiving letters that payments were declined. This was impossible since I paid from my personal checking account that had funds to cover bills specifically. Called several times, nothing. Pretty much told it was my fault. I called XXXX XXXX XXXX to confirm that it wasn't a problem on my end. They confirmed their was no history on the dates I made payments on Glasser portal even though I had a receipt. Meanwhile the balance is remaining large. They sent settlement letters with higher amounts. I retained a lawyer in hopes of agreeing to a reasonable amount I can afford and was basically told No. I am able to pay no more than {$600.00}, and consider paid in full. With the expectation of updating to this status with ALL 3 credit bureaus. As well as receive documentation of this arrangement. Paid in full at no more than {$600.00}.
Product: Debt collection

Reviewing my credit report and I discovered there is a collection of {$500.00} XXXX XXXX XXXXXXXX XXXX. I am unaware of what this collection is for.
Product: Money transfer, virtual currency, or money service

Ok I made some purchases on XXXX and PayPal took money from my bank account and credit card accounts gave me a negative PayPal balance even though I paid for the transactions. Then took money from me again when I attempted to load my PayPal account through my bank account and said it was to cover a negative balance. I opened disputes and sent in hard copies of evidence stating where the payments were taken from PayPal and PayPal would credit my account then take the money back and throw my balance into negative again saying I owe PayPal. This is theft. I paid for my purchases. PayPal owes me a lot of money. I want my money back ASAP.
Product: Credit card

On XX/XX/2025, I placed an order for two items XXXX XXXX -- which were gifts ; Order # : XXXX. One item cost {$67.00} and the other {$190.00}. Upon receipt of the order around XX/XX/XXXX, one of the two items was the wrong size. I contacted Macy 's for a resolution. I was told that I could return the XXXXXXXX XXXX XXXX. After speaking with Macy 's corporate office ( XXXX XXXX XXXX ) and chatting with a rep, I returned the XXXX  for a refund. I returned the item with the label that was provided by Macy 's and received an email that they received and credited me on XX/XX/2025 ; return completed date XX/XX/2025. I returned the item, but the credit wasnt posted to my account. 

When I received my statement with a payment due date of XX/XX/2025, NO PAYMENT WAS DUE. I made an online payment of {$67.00} on XX/XX/2025 to pay for the one item I ordered which came in the right size ; I kept. 

I received the statement with a payment due date of XX/XX/2025 and it reflected a balance of {$260.00}. I considered it may take time for Macy 's and their credit card Citibank to catch up with the return. 

When I checked the online account around XX/XX/XXXX to make sure I received the credit for the {$190.00} XXXX I returned. However, in checking the statement with a payment due date of XX/XX/2025 it reflected my payment of {$200.00} was past due. I then attempted to dispute the bill online on but Macy's.com system does not have that option available on line TO DISPUTE THE BILL. The only option is dispute a charge. 

Citibank Macys Account Statement due XX/XX/2025 reflects my payment as past due coupled with a {$30.00} late fee plus interest. when it should be {$0.00} with NO PAYMENT DUE. The most recent statement with a payment due date of XX/XX/2025 Payment Information is a New Balance {$240.00} with a minimum payment due of {$68.00} -- whereas the statement should reflect NO PAYMENT DUE. 

I do not owe any money to Macy 's Credit Card/Citibank ..