23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX XXXX for knowingly engaging in inaccurate, misleading, and unlawful credit reporting practices that violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. XXXX XXXX has been illegally reporting a charge-off every month for the past 48 months ( 4 years ), when in reality, a debt can only be charged off oncenot repeatedly reported as a new charge-off each month.

FCRA Violations Committed by XXXX XXXX : 1. Violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Credit furnishers are required to report accurate information. Repeatedly reporting the same charge-off every month is factually inaccurate and
misleading.

2. Violation of 15 U.S.C. 1681s-2 ( b ) : XXXX XXXX has failed to conduct a reasonable investigation to ensure accurate reporting despite this clear error.

3. Violation of 15 U.S.C. 1681n & 1681o : XXXX XXXX continued misreporting has caused undue harm to my creditworthiness, directly impacting my ability to obtain credit.
Product: Debt collection

This company is a third party debt collector and I never done business with this company. Per FCRA as a federally protected consumer I am opting out of any and all authorizations written unwritten verbal and nonverbal per 15 USC 6802 ( B ) ( opt out ) 15 USC 6805 also see 15 USC 1681 5 USC 552 ( a ) 16 CFR 313.7 433.2 433.3 these laws ensure that a consumer rights will not be violated by sharing personal information none disclosed information under 16 CFR 433.3
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with DEPT OF ED/NAVIENT. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and DEPT OF ED/NAVIENT with no successful resolution. XXXX  and XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late.
Product: Debt collection

I went through a series of treatments and I was mislead to think I was " covered '' and I was told " no worries you are covered ''. After procedure done, bills started coming like oops we forgot to tell you. 

I was never quoted or asked if I agreed on the amount for the treatment. I know insurance paid the the debt and now they want me to pay it again. 

They send me 4 FDCPA letters alike and with absolutely no description of what it is.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX has violated my rights. Or a list of inquiries 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 or 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, credit repair services, or other personal consumer reports

XXXX sent me this notification in XX/XX/XXXX that they filed an update for her account to the credit reporting agencies.This update reported Ms. XXXX account as settled in full as of XX/XX/XXXX, removing any and all negative reporting from XX/XX/XXXX through XX/XX/XXXX. Please be advised that the credit reporting agencies follow their own policies for updating credit reports and it may take a few days for this update to reflect on her credit report. 

As of XX/XX/XXXX that has yet to happen. My credit report is still showing this company on my report and it is still showing that it hasn't been update since XX/XX/XXXX.
Product: Debt collection

I owe two payday loans and have done so for years but this time I have defaulted. I am on social security and just do not have the funds to repay at their rates.
Product: Credit card or prepaid card

XX/XX/2022 tried to resolve with Discover and XXXX XXXX same item, unauthorized charge! XXXX XXXX investigated and reversed the charge balance XXXX. Discover at my request dropped charge, after the claim investigation, but kept adding charge back XXXX, 2022 to present XX/XX/2022. Now they are adding fees of {$29.00}! 
Discover card cancelled by me XX/XX/2022. Every month I get a statement with an account number ending # XXXX. I opened a survey XXXX which turned out to be a scam! Original charge was {$54.00} ( approx. ) now it totals {$85.00}.
Product: Credit reporting or other personal consumer reports

After reviewing my consumer file, I noticed several accounts listed on my consumer report that are a result of fraud. I sent correspondences to all 3 reporting agencies when I first discovered the inaccurate accounts. EQUIFAX, XXXX and XXXX have refuse to remove the accounts. I have received documentation for the accounts being reported showcasing that they are not mine. The 3 reporting agencies are still reporting all inaccurate accounts. XXXX, EQUIFAX and XXXX are violating the rules of reporting as they are intentionally reporting fraudulent information. Below I am attaching copies of my FTC report, my ID, my XXXX report that shows that the inaccurate accounts deleted, and letters from the various alleged creditors stating that accounts were opened fraudulently. I demand for all fraudulent accounts be permanently removed from my credit file. Lastly there is a ton of personal information that is inaccurate such as addresses ( there's about 3-4 addresses listed that I have never lived at ) and my name.
Product: Money transfer, virtual currency, or money service

XXXX I received a Cashier 's check from Chase Bank XXXX The check was counterfeit 5 days after the deposit, XXXX cleared but the rest did not clear. The bank is holding me a negative XXXX until I pay the balance. I can't access my funds that are being directly deposited monthly. 
The check arrived in the mail, payable to me. I am not able to track down the correct people to trace this check or retrieve the funds insured by the bank and rectify my account status.
Product: Credit card or prepaid card

On XX/XX/XXXX, I filed a complaint with the XXXX ( Case # XXXX ) and the CFPB ( Case # 's XXXX and XXXX ). Wells Fargo indicated in their response to that complaint, dated XX/XX/XXXX, that they had corrected the issue, and reopened the credit card they had inappropriately closed. This was the corrective action that was necessary to respond to the complaint and I did not pursue it further. On the XX/XX/XXXX, I tried to determine how to utilize my reactivated credit card for the purposes of paying my rent. After investigation, I found that my general online account access was still locked and frozen, and I had no way to access my account information. After discussions with the bank 's phone service staff, I found that the account was still closed, with one staff member indicating that it had been closed in XXXX. This would be significantly after the account was supposed to be reopened per the letter they had provided to me in the CFPB complaint. I then contacted the institution, and found that their case numbers did not include appropriate documentation of either the letter that had been provided to both the CFPB and myself regarding the complaint, and that it did not show any documentation indicating the account was supposed to be reopened. 

In addition, the original error is due to the bank maintaining inactive customer data, including personally identifiable information ( PII ), without implementing appropriate controls to protect that data or delete that data within a reasonable time horizon. The original inactive customer information is from a brief account I had with Wells Fargo after XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Regulatory requirements necessitate the retention of PII data for 5 years, in most cases, and the bank should implement policies to offload that information as a data security process in line with the board 's risk tolerances/data security controls. Since I closed my accounts with Wells Fargo XXXX XXXX XXXX  Wells has had data breaches, and I am uncertain if my data was impacted. It's unlikely, but implementing appropriate time-frames for removing inactive customer data is critical given the risk environment for BIT with regards to information security.
Product: Debt collection

Dear CFPB, I am filing this complaint against Portfolio Recovery Associates ( PRA ) due to their continued contact with me after I requested that they cease all communications regarding my account. I initially submitted a formal complaint to PRA through the Consumer Financial Protection Bureau ( CFPB ) on XXXX  ( Case number XXXX ), and PRA acknowledged my request to stop all communications by providing a response on XX/XX/scrub>XXXX, stating they would honor my request to cease all communications. 

Despite their acknowledgment of my request, I received a phone call from XXXX on XX/XX/scrub>XXXX  regarding the debt in question. This is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 805 ( c ), which prohibits a debt collector from continuing to contact a consumer once they have been informed in writing to cease communication.

Specific Violation : Failure to Cease Communication : As per the FDCPA, PRA was required to stop contacting me after I requested in writing that they cease all communications. They failed to honor my request, which is a direct violation of 15 U.S. Code 1692c ( c ).

Harassment : The continued phone calls after my request may also be considered harassment under 15 U.S. Code 1692d as they have not respected my request to stop communication. 
I request that the CFPB take appropriate action to address this violation and enforce my rights under the FDCPA.
Product: Credit card

I went to Macy 's Department Store to purchase sunglasses. I rarely go to Macy 's and I did n't have my Macy 's card so the cashier looked up account by asking for my social security number, if I recall correctly. I was able to make the purchase and also some cosmetics. I made payments using my XXXX XXXX Bill Pay. 

Later I recieved a bill with multiple fees and was recieving multiple calls urging me to contact them regarding my account. When I called they said my payment went to the wrong payee, my Macy 's card, and they would arrange to credit the payment to the new American Express account. I told them I never applied for a Macy 's American Express card, and realized the cashier must have opened the account. 
The customer service person stated they would reverse all fees and transfer the payment to the American Express account. 

I requested the original purchase details and amounts and questioned the balance, after fees were reversed, minus my payments. The representative agreed to correct the balance due amount to reflect the amount I calculated. I decided to pay off this balance in full and resolved not to shop at Macy 's because I do not trust their billing practices. 
I continued to recieve calls and billing statements. I called to clarify my bill, stating that I paid it in full. The customer service person reassured me that my account was indeed paid in full. 
Still I continue to recieve multiple calls per day from 'Macy 's ', and statements that show mysterious fees and 'purchases '. 

I do not want to call again because I am afraid it 's a scam. 

Should I go to a Macy 's store to speak with a manager? I think they may just refer me to the electronic or phone billing department, which is not trustworthy, in my opinion. Also I need to address the fact that they opened an American Express credit card without my knowledge. They sent me the card after the fact. I have not used this card, but keep it to resolve what I believed was a purchase on my Macy 's card for the original purchase of sunglasses and cosmetics only. 
Kindly help me resolve this problem with mysterious fees and charges mounting on this Macy 's American Express account. I can provide amounts and dates if requested. I have a file with the bills and notes on phone conversations.
Product: Credit reporting or other personal consumer reports

I called XXXX XXXX XXXX XXXX on XX/XX/year> XXXX, at XXXX XXXX  XXXX and spoke to customer service and advised them payments were being reported late negatively affecting my credit report. The payments that are being reported on my credit profile violate my consumer rights under FCRA Consumer Law 15 USC 1666B. As a long- time customer that has had exceptional payment history with XXXX , I am appalled that they will violate my consumer rights in such a manner that is detrimental to me achieving a good credit profile which affects my approval for other accounts. After speaking with XXXX customer service, they were not helpful and didn't listen to as a long-time customer. They advised me there was nothing they could do, although they were aware my consumer rights had been violated. I can not believe a company of this magnitude doesn't care about their customers consumer rights. XXXX is tarnishing my name and credit profile by reporting these late payments inaccurately without my consent. As well as my creditworthiness, character, and my general reputation which is also against the FCRA
Product: Checking or savings account

I opened Citi XXXX checking and savings accounts in-branch on XXXX XXXX, XXXX, because of a {$700.00} cash bonus offer. The banker let me know I would need a minimum deposit and balance of {$50000.00} for at least 60 consecutive days. 

I deposited {$50000.00} on XXXX XXXX, XXXX, and kept a minimum {$50000.00} balance until XXXX XXXX, XXXX XXXX about 80 days XXXX. 

The offer documentation says the bonus will be credited within 90 days from completing the required actions. However, it's been more than 90 days, and I haven't received the {$700.00} cash bonus. 

I reached out to Citi by online chat and was told I would have to call in about the offer. I called in and was told I couldn't be helped. I feel like I'm not getting an honest investigation and think it's unfair I haven't yet received the bonus after the terms were met and exceeded.
Product: Money transfer, virtual currency, or money service

I have a PayPal account that is connected to a PayPal Prepaid Debit Card/XXXX account. To be able to use my PayPal account to get cash or to use at a physical store, I need to transfer the funds to my PayPal Prepaid Debit Card/XXXX 

Right now, I have {$630.00} in my Paypal account. I have been trying for the past week to transfer the funds from my PayPal account to my PayPal Prepaid Debit CardXXXX. 

I have done this many times, so I know how to do it correctly. I have not exceeded any of the transfer limitations. 

Nevertheless, when I try to transfer the funds, I get an error message that says, " There is a problem with this transfer. Try logging in to PayPal to see if money is waiting for you to accept it. If not, contact PayPal Customer Service. '' I contacted the PayPal Prepaid Debit Card/XXXX  company via their online message system. They said the problem was on the side of PayPal, not XXXX. 

I contacted PayPal via their online message system. PayPal did not respond.

I called PayPal. After a long time on the phone, PayPal said it was XXXX 's fault and transferred my call to XXXX without even corresponding with them what the problem was. 

Then I had to go over the problem all over again with a XXXX phone representative. 

Still, I can not access my own funds. PayPal and XXXX are using my funds while my child and I can not even buy food.
Product: Checking or savings account

I have opened a checking account with capital one on XX/XX/XXXX, I had not made many transactions yet because the account is new, on XX/XX/XXXX I received 2 payments of {$500.00} and {$200.00} respectively and everything is fine, I also made a purchase of {$25.00}, then someone sent me {$100.00} at night and I received an email from them indicating the following : Were verifying an incoming XXXX payment XXXX, XXXX XXXX XXXX XXXX sent you {$100.00} with the message pago. For your records, the payment ID for this transaction is XXXX. 
Were currently verifying this payment. Upon successful verification, the money will typically be available in your account and your XXXX activity feed within two business days. 

If you have any questions, give us a call at XXXX, XXXX XXXX XXXX XXXXXXXX, 7 days a week. Well be happy to help you. 

Thanks for choosing Capital One. 



At the next day I received a email from capital bank with : Unusual activity was noticed on one or more of your accounts XXXX, One or more of your Capital One bank accounts have had unusual activity. Your accounts have been restricted until we complete our review. 

Please call us at XXXX as soon as possible to discuss the recent activity. Were available Monday through Friday from XXXX XXXX XXXX XXXX XXXX XXXX, and on Saturday from XXXX XXXX XXXX XXXX XXXX XXXX 

If you dont contact us before your review concludes, the accounts in question may be closed. If this happens, any remaining balance owed to youplus all interest earned, if applicablewill be transferred to your externally linked checking account or a check will be mailed to your address on file. 

While an account is restricted, itll earn interest ( if applicable ) and you can deposit money. However, a restricted account will prevent you from withdrawing money, initiating new transactions or completing pending transactions. 

Youll receive the results of our investigation once its completed. 

Thanks for choosing Capital One. 

I called the bank 3 times that day ( XX/XX/XXXX ), 2 times the next day ( XX/XX/XXXX ) and today Monday XX/XX/XXXX and in all the calls, the costumer support only gives me vague answers
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Removal of Fraudulent addresses To Whom It May Concern : On XX/XX/2020, I received a copy of my credit history report from Equifax. That report contained incorrect information reported by you. 

I have addresses listed on my credit report ( s ) that resulted from crimes of identity-theft. Having the following addresses listed on my credit report ( s ) has made it difficult to verify my true identity with creditors. It is a violation of the FCRA to have inaccurate information or reporting information deemed as fraudulent. I also provided a copy of an FTC Report to help substantiate the legitimacy of this dispute. I request that all addresses listed below be remove within 15 days. Failure to comply shall lead to complaint 's being filed with XXXX XXXX XXXX, Consumer Financial Protection Bureau, Federal Reserve, and other advocacy groups. 

1. XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX Fl XXXX XXXX. XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX Fl XXXX
Product: Credit reporting or other personal consumer reports

15 USC 6802 '' refers to a section of the United States Code, Title 15 ( Commerce and Trade ), which outlines the obligations a financial institution has regarding the disclosure of a consumer 's " nonpublic personal information, '' essentially dictating when and how a financial institution can share personal details about a customer with third parties, often referred to as part of the Gramm-Leach-Bliley Act ( GLBA ) privacy regulations ; it requires providing notice to consumers about how their information may be shared and giving them the opportunity to " opt out '' of certain types of information sharing with non-affiliated third parties. This company has never sent me the required disclosures nor an option to opt out. XXXX XXXX keeps sharing my personal information and is reporting false information to the Credit Reporting Agencies. These accounts needs to be deleted. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX IS REPORTING TWO BALANCES ON TRANS UNION XXXX XXXX XXXX I AM DISPUTING THESE ALLEGED ACCOUNTS
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/2022 I contacted the company in regards to XXXX bankruptcy that is on my report and asked about the method of verification also for proof of verification. I was never sent this information on letters stating that they verified it. This alone is violations under FCRA and USC laws. These laws state that I have the right to privacy which means 1 did not give them authorization to report this on my behalf. FCRA 623 ( a ) ( 5 ) states if the credit bureau cant VALIDATE the information with the ORIGINAL CREDITOR they must remove the information from my report. Also be aware that NO COURT IN AMERICA VALIDATES NOR REPORT to any agency or bureau. YOU HAVE 15 DAYS FROM RECIEVEING THIS TO VALIDATE THIS OR ELSE REMOVE IT I am attaching information directly from the US bankruptcy court that states they do NOT share or VERIFY ANY information to any 3rd parties OR credit reporting agencies.
Product: Debt collection

I got an Issue with a collection Agency called CKS Prime Investments I never received a call or a letter from this company the only reason I knew it was on there is the fact I got an alert from the credit report agency that a new collection account was added. The account this company has is an account from XXXX credit card I never had an account with this company I got in touch with the original creditor they did their investigation and determine that it was a fraud account and sent me a letter stating that it would be removed off my credit reports. The collection agency didnt remove it so I disputed though the credit report agencies with the dispute I provided the letter from the original creditor the collection agency still didnt remove it but they did something sneaky by leaving it on my credit reports changing some of the information like the name of the original creditor name the type of account, and the closed date. I tried to contact them by phone but could never get an answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Credit agency did not update credit file properly. 

I have not signed any written or verbal agreements with signed companies below : XXXX XXXX, XXXX XXXX XXXX, any other collection and incorrect reporting as lost or stolen. This is incorrect and I did not sign any contracts with the stated agencies. 

These items should automatically fall off : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit Bureaus has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the accounts listed below. I believe it was reporting in error. 
XXXXDEPT OF ED XXXX Balance : {$2400.00} ; XXXX/DEPT OF ED XXXX Balance : {$4000.00} ; XXXX/DEPT OF ED XXXX Balance : {$9000.00}