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

On XX/XX/2024 I received a call from a representative of Citibank requesting authorization for wire transfers totaling the amount of {$9900.00}. I did not recognize these transfers as legitimate therefore, I did not give my authorization, and suspecting fraudulent activity, the bank suggested I close the account for security reasons. Despite explicitly not authorizing these transaction the transfers were allowed to occur.
Product: Credit reporting or other personal consumer reports

My student loan information was released to DOGE without my consent
Product: Checking or savings account

I filed a complaint on XXXX XXXX, XXXX XXXX, and XXXX XXXX and the NFCU refused to issue a provisional credit to my account when I filed a fraud claim against XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX  - Balance : {$560.00} - Account # : XXXX XXXX XXXXXXXX XXXX - Balance : {$20000.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate.

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : 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 Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting act of 15 U.S. Code 1681 - Congressional findings and statement of purpose, 15 U.S. Code 1681 ( A ) ( 4 ). States There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The persons XXXX XXXX XXXX are consumer reporting agencies and I am the Consume. That is federally protected, With birthrights to ensure that my private in personal information isn't shared without my authority which is backed by 15 USC 6801 which states '' 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. Hunter Warfeild INC is a financial institution according to title 15 USC 1681 section 604 a section 2 states that In general subject to subsection ( c ), Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. A consumer report may be furnished only when the consumer gives the credit reporting agency written instructions or permission to provide a report, Hunter Warfeild INC i.e the financial institution along with the consumer reporting agencies XXXX XXXX XXXX has never! Obtain permissible purpose from me the consumer to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, And Hunter Warfeild INC is hereby extinguish, rescind, revoke, cancel, abrogate, annul, nullify, discharge, and make void ab initio. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Hunter Warfeild INC have not informed me of my right to exercise my nondisclosure option. 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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.
Product: Credit reporting or other personal consumer reports

Experian LLC Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Experian LLC Services I am writing to request you to delete this accounts from your reporting agencies in accordance with the Fair Debt Collection Practices Act ( FDCPA ) 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 This is Violating of my rights according to 15 U.S.C. 1681 Section 602 : I would like a complete and accurate record of any payments made on the debt, including the dates of those payments in all the accounts A clear explanation of the nature and amount of each interest and fee charge added to the debt.

Account on charge off does not have another secure due date should not report late payments Account activity after the account was closed Information about the statute of limitations for collecting the debt in my jurisdiction. 
Validation letter in regards to the charge-off and closed accounts listed on my credit report Any agreements or contracts related to the charge off This is Violation of my right according to 15 U.S.C. 1681 Section 602 : 15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition Any person that furnishes information to a consumer reporting agency shall not furnish any information that it has determined is not accurate.

Until I receive this validation, I dispute the validity of these debts and demand that you cease all reporting efforts immediately from all credit bureaus.

Please send this information to me in writing within 15 days of receiving this request. I look forward to your prompt response .Please find attached any supporting documentation that may be helpful in the investigation of this matter
Product: Bank account or service

have attempted to transfer my hsa account from HSA bank to XXXX XXXX since XX/XX/XXXX.2 or 3 attempts were made by XXXX XXXX and they indicated no response from HSA bank and when I contacted XXXX by phone their rep found the 20 to 30 minute phone delay to speak to anyone was the norm. So I attempted to contact XXXX where my investment portion of the was and see if HSA bank had contacted them and secondly if there a backdoor means to contact HSA Bank but the rep said no and he told me just to wait 30 minutes on hold. I finally sent another e-mail to HSA bANK about the the inability to reach a rep ( 20 to 30 min. hold time ) versus a one min. hold time at XXXX XXXX and a nice rep at HSA bank helped over the course of a few days to try to figure out where the problem. We finally figured out that the investment portion had to be resolved first but no indication of the problem was stated in the first e-mail I received. It SEEMS every effort is made prevent the customer from transferring their assets to a different place.AS of today another XXXX to 10 days after the investment funds have been made liquid and in their cash account, there is no movement.Every month I am charged a fee of {$5.00} a month and I have not used this account all year waiting for the transfer to take place. Each month this goes on I have no access to the funds either to use or invest but the fees keep coming and their is no one to penalize or force HSA bank to make this transfer.A 3 TO 4 month seems quite unreasonable.
Product: Credit reporting or other personal consumer reports

I have no liability to THE BUREAUS, INC for they are a third party debt collector and I have contract no with them. THE BUREAUS INC brought the debt from XXXX XXXX  in which the debt would had to have been charged off. A charge off is considered income and income can not me reported to credit report because it turns into a certificate of indebtedness. I would like THE BUREAUS INC to provide me the direct contract between them and XXXX XXXX showing that they are authorized to collect for XXXX XXXX and they are not a company that just brought a debt. They have also violated the Privacy Act of 1974 and 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I was never given a notice or a way to opt out of THE BUREAUS INC, XXXX, XXXX, and XXXX reporting this to my credit report.
Product: Credit reporting or other personal consumer reports

TWO ADDRESSES ARE INACCURATE, AS REPORTED BY XXXX AND EXPERIAN INCORRECT ADDRESS - PLEASE DELETE XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX **THIS IS A XXXX XXXX, I NEVER LIVED HERE NOR HAVE I UPDATED MY ADDRESS TO THIS ADDRESS INCORRECT ADDRESS - PLEASE DELETE XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX PLEASE UPDATE TO CORRECT ADDRESS BELOW, AS INDICATED ON DRIVERS LICENSE AS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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  THESE INQUIRY 'S DO NOT BELONG TO ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to a confidentiality under 15 U.S.C. 1681. 

OHIO XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX  XXXX XXXX 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 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 furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company reported hard inquiries that dont belong on my credit report.
Product: Credit card or prepaid card

I noticed on XX/XX/XXXX there was a large charge to my Home Depot Credit Card account. I checked my account online and it said I was charged {$2500.00} in interest on XX/XX/XXXX  I immediately called and spoke to an agent to get this issue explained and resolved as they have a COVID-19 policy in place. The first agent was more than happy to assist saying that with the program there was a two month extension. I asked why I was charged so much and for what. She explained I bought a product during a promotion and the interest rate was 0 % for two years but that it was deferred. I explained that is not how the representative at the store explained the program to me at all. They said I had two years of 0 % and then I would pay interest on my balance thereafter. I was then transferred to a second agent who said she could put me in the program but that in order to get rid of the {$2500.00} interest charge I had to pay {$3400.00}. Then on XX/XX/XXXX, I received an email from Home Depot saying I was enrolled into the COVID-19 program and that any promotions would be extended by two months. I called the customer service line again, the representative said I could not have my promotion extended and to get rid of the {$2500.00} interest charge I had to pay {$3400.00} by XX/XX/XXXX. I asked her if I had been paying on my credit card, over the minimum balance, for two years why did my balance for my promotional purchase not decrease? She said that all my payments went to revolving purchases and interest and none of my two years worth of payments went towards my promotional purchase. Now two years later I owe exactly as much as I did when I purchased the product. I did not enroll into the promotion it was going on when I bought my product and there was never an option to opt out, the representative at the store was misleading and/or misinformed about the promotion, credit services did not put a single payment towards the promotional balance and credit services now refuses to help, even just for two months during a pandemic.
Product: Debt collection

I noticed that I had a negative item on my credit report from Portfolio Recovery Associates. I immediately disputed the debt with all 3 credit agencies. I then began to receive calls at my work at different times and reached out to the President of the company via email. See attachment. Since then Portfolio Recovery validated the debt with the agencies and I disputed again because they did not provide any documentation to the debt. I received from XXXX two credit card statements. There is no information about the transactions dates or any last payment information, dates or contract that I signed for this credit card. I disputed again as I do not recall ever having this account. They also are pulling my credit report every month without my consent. I have not authorized them to do so. As stated in the attach letter if they did not remove this from my credit report report in 15 days from XXXX XXXX, 2017 I would file a complaint with FDCPA and I have actually given them 30 days to comply. Next step is in bullet point # 3 if they do not honor the request I have put forth.
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 
This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Mortgage

On or about XX/XX/2023, I called XXXXoundpoint Mortgage servicing to request a copy of Land Survey done on this property when I obtained this loan. I was charged for this as indicated on my closing disclosure, therefore, I am entailed to this document. Roundpoint Mortgage advised it would be a 7-10 day turn around. Its now been almost 3 weeks with no response.
Product: Credit card

I signed up for a XXXX XXXX Wells Fargo Card and immediately signed up for auto pay. Wells Fargo did not process this and I ended up being more than 30 days late with my payment. I received no notification from Wells Fargo about the late payment electronically or by mail at any one point, even after 30 days. My credit score has been devastated and I had to pay {$120.00} in late fees and interest. When I realized the missed payment, I immediately made payment.
Product: Credit card

The available credit on my account with Capital One is down from over XXXX available from yesterday to only XXXX today, XX/XX/XXXX. The attached screen shot shows all transactions both posted and pending, they still do not add up to show difference in available credit. Despite chatting with XXXX different chat reps, both slow/inept with bad English, I am unable to figure out the difference from having over XXXX available yesterday to XXXX today. The reason I am concerned among others is because I had a transaction get declined from XXXX due to low available credit. Also, there appears to be some transaction ( s ) which are not showing as posted or even pending which is cause of the problem. The attached screen shot from today shows all items posted and pending, do not account for difference in available credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed a repayment contract on XX/XX/15 stating I owed National Commercial Services Inc. to date {$4300.00} minus a down payment of {$550.00}. This brought the balance of the claim to {$3700.00}. Three days later on XX/XX/15, they changed the amount owed to over {$19000.00}. When I questioned the increase they sent me the all the back up and payments that XXXX XXXX  paid. I kept paying the monthly payment of {$150.00} as I signed the contract and they would threaten to suspend my drivers license and take legal action if did was late or missed a payment. I actually ended up paying National Commercial Services Inc. over {$5000.00} and have stopped any more payments to them. Now they put a chargeback against my credit for {$19000.00} and just this month increased the amount another {$100.00}. They have been paid above what our contract stated. I have attached a copy of the signed contract as well as what was sent to me when I inquired about the amount change.
Product: Debt collection

This company contacted me about a false debt that was created by an internet provider that I used to use. I informed them that this was incorrect and later provided them with the dates of when I ended my service with said company. I agreed to remove the debt but they never did. I contacted them numerous times about this and they continued to say that it would be removed. Later they would sell the debt to another debt collection company.
Product: Credit card

Additional information regarding complaint # XXXX. 
Identity Theft XXXX XXXX XXXX XXXX, XXXX I met with local Chase Branch Vice President, XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX 
I showed XXXX XXXX all the emails and transcripts I received from Chase. XXXX XXXX tagged them all as XXXX and confirmed none of the emails or phone # 's belong to Chase. Attached are the documents XXXX XXXX Chase XXXX XXXX tagged as Fraudulent. And still Chase is saying the charge on my Chase credit card is Valid. 

I also provided documentation that Chase had a critical Data Breach in XXXX. 
I also provided documentation showing XXXX sues JPMorgan Chase over alleged XXXX after account was hacked ( case # XXXX ). Chase failed to investigate unauthorized transactions and falsely determined that no error had occurred. 
I informed XXXX XXXX that is exactly what has happened to me. 

I have also attached a document Detective XXXX XXXX sent me stating that XXXX confirmed the email the Fraudsters were using does Not even exist.
Product: Checking or savings account

I have an account with navy federal and was charge multiple overdraft fees for items when the money was in my account.