23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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: Money transfer, virtual currency, or money service

I have been a Capital One bank customer since 2014. I've always had good standing with the bank. Recently I have been the victim of fraud which left my checking account overdrawn with a negative balance amounting to thousands of dollars. Capital One didn't help in any way. They want me to pay back the negative balance without even attempting to investigate the fraudulent transaction. The details of the scam I was exposed to are as follows : I applied for a remote job on indeed. I was approached by XXXX XXXX to be interviewed on an app called XXXX. A person claiming to be a manager at XXXX XXXX supplies sent me a contract with company logo. He then claimed that I need office supplies and equipment to start training. He sent a check for {$8900.00} and asked me to deposit it in my bank account to purchase the required equipment and software. He then told me to wire {$8700.00} to a vendor who will provide the necessary equipment. As soon as I wired over the amount, he revetsed the check. My checking account is now overdrawn and I owe the bank a huge balance. I want to warn others against this scam so they don't fall for it.
Product: Credit card

Dear CFPB, I am writing to file a complaint against Wells Fargo Bank regarding issues with their banking system and potential fraudulent activities. 

Last month, I filed a complaint about the same issue, which involved my designated repayment account at Wells Fargo. Despite not making any changes to my account information and successfully making multiple payments, Wells Fargo claimed that the payment was unsuccessful due to an issue on my end. They demanded that I pay a {$45.00} interest fee. It was only after my complaint that they refunded the interest, and my subsequent payment was successful. Why did it fail the first time? It seems like a trap. 

Today, I received another notification of payment failure, even though my ACH link has successfully processed payments multiple times. Whats even more concerning is that they have directly canceled my payment card link, seemingly preparing to shift blame onto me again, and I anticipate further attempts to collect fees through these questionable tactics. 

My repayment savings account has more than enough funds, and I made a successful payment just a few days ago. 

Wells Fargo appears to profit from failed payments on the due date, and whats even more unacceptable is the suspension of the use of my XXXX XXXXXXXX XXXX payment method. 

I am lodging this complaint in the hope that the authorities will oversee the actions of this unethical bank. 

Sincerely, XXXX
Product: Consumer Loan

JP Morgan Chase Bank, XXXX, OH XXXX, pulled my credit report without my authorization. I did not seek out a vehicle loan from Chase.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, at around XXXXXXXX XXXX. I transfered money out of my XXXX account to my PayPal debit card. The amount I transfered was {$360.00}, there was a fee of {$6.00} and some change, to have the money immediately after transfer. So the amount actually put in my account was {$350.00}. That amount was deposited in my debit card balance account. PayPal sent me an email stating that XXXX sent me a full refund of {$350.00}. Within 4 minutes the balance disappeared off my debit card account. It went to {$0.00}. I got on my PayPal app to check what had happened to my transfer. The app said that my money had been taken out of my debit card balance and moved to PayPal , Inc .

I called PayPal and there very rude staff, told me that my money had been sent back to XXXX. I asked them why, because that wasn't what I wanted and paid a fee for. PayPal hung up on me and never called back. I called PayPal back and asked to speak with a supervisor and " XXXX '' a support specialist, came on the phone and took all the information I could give her. XXXX put me on hold and when she came back on she told me that my money had been sent back to XXXX. I asked her why because I transfered it from XXXX to Paypal because I had a debit card with PayPal and did not have one with XXXX and I needed this money on a debit card so I could pay my electric and water bill online or over the phone. XXXX mumbled something about regulation that XXXX wanted them to follow. She didn't give me a straight answer. Then she gave me a transaction ID number that was supposedly the transaction ID to prove that my money had been returned to XXXX. I then called XXXX and told them what had happened so far and told them what PayPal had said. I gave them the transaction number and was put on hold while the rep looked for my money. When he came back on he that transaction ID was not to the transaction that proved the money was returned to XXXX. He opened an investigation and eventually I gave him 2 more Transaction ID numbers for him to check for. None of the transaction ID numbers provided from PayPal and my PayPal app proved to be helpful in anyway. So XXXX closed the investigation. I contacted PayPal almost everyday getting different stories as to what happened to my money. I asked PayPal to please provide me with proof that I could use to give to XXXX to prove that they made the refund back to XXXXXXXX XXXX But they did not or could not give me any proof. They said that they disperse the funds properly and said this matter was closed. So here I am now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently ran XXXX XXXX to check on status of my information. It had status of " Hard Inquiry '' on the account with Capital One. 
When I looked at information I have not had any contact with Capital One CAPITAL ONE XXXX CAPITAL ONE XXXX, VA XXXX for years, at one time maybe 15 plus years ago I had a credit card with Capital One however since than it was added into my bankruptcy. This should not be still showing up on my credit. I tried calling the number for Capital One XXXX they had listed to talk to personell however they just kept asking for my credit card number and I have no credit card from them nor have for years. 
Respectfully, XXXX XXXX
Product: Student loan

Navient failed to apply additional principal towards despite express instructions to do so. Navient also piled on numerous late fees despite paying on time. And, despite disputing the amount owed countless times, Navient turned my student loan over to a company - XXXX - I 've never heard and now my student loan is in default and damaging my credit history!
Product: Debt collection

XXXX not owed. My son moved out of an apartment in TN in XX/XX/2022 for several violations under both State and federal law. The landlord was told of his actions on XX/XX/XXXX and filed a HUD complaint. Anything that occurs especially within a 6 month time frame from filing a complaint against a landlord is considered a retaliatory act. Currently we were at 6. Now ProCollect hit my credit without notifying me. I was not given the opportunity to dispute. Now, every day that they have this on my credit report amounts to 1 count of retaliation with damages. Now in addition to the previous 6 they now have around 13 counts. I guess they believe violating the law and peoples Rights is normal practice. I want ProCollect to be added to my sons HUD claim for retaliation and cease and desist any further actions. We also want all of our credit corrected as it was before they took retaliation.
Product: Checking or savings account

I had fraudulent transactions on my wells fargo checking account and initiated a dispute for fraud. Wells Fargo said the investigator would call me, and they lied and never did. Instead they closed the dispute. They violated XXXX XXXX, XXXX fraud liability, and nacha. 

They are trying to XXXX me out of {$12000.00}. 

If it cant be resolved here, i will file a lawsuit which would qualify for treble damages for violating 15 U.S.C. 1693a ( 12 ), 15 U.S.C. 1693f ( c ), and 15 U.S.C. 1693g ( b )
Product: Credit card

XX/XX/XXXX XXXX XXXX, XXXX XXXX Re : case # XXXX Dispute 30 day Late payment due to banking error Account # XXXX Capital One Billing Inquiries XXXX, XXXX XXXX Dear Sir or Madam : I am writing to dispute a late payment billing error in the amount of {$120.00} on my Capital One account # XXXX. The amount is inaccurate because 1. I made my monthly payment of {$120.00} on XX/XX/XXXX via website to my credit card company ( Capital One ) 2. I had available funds of {$470.00} on XX/XX/XXXX in my bank account with ( XXXX XXXX XXXX account # XXXX ) to cover the payment with Capital One 3. My bank account ( XXXX XXXX XXXX XXXX ) processed the payment on XX/XX/XXXX which I still had available funds of $ {$430.00}, but my bank returned the payment in error. 
4. As a result I am now showing a 30 day late payment of {$120.00} with Capital One on my credit report ( XXXX XXXX/ XXXX ) due to the bank error with XXXX XXXX XXXX . 
5. I have disputed this bank error to my Credit Card Company ( Capital One ) and the 30 day late still remains on my credit report resulting in negative credit reporting. 
I am requesting that the 30 day late payment error be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement and accurate credit reporting with ( XXXX XXXX/ XXXX ). 
Enclosed are copies of Capital one payment conformation/ statements, and my bank XXXX XXXX XXXX XXXX history supporting my position. Please investigate this matter and correct the billing error as soon as possible. 
Sincerely, XXXX XXXX Enclosures : Capital One statement Capital One payment conformation Capital One dispute letter XXXX XXXX XXXX transaction history Dispute letter with XXXX Dispute letter with XXXX Dispute letter with XXXX
Product: Debt collection

Collection company keeps calling my work phone number ( XXXX ) over the past four weeks. They call asking to speak to XXXX XXXX. I have told them every time they have called that there is no person named XXXX XXXX, and that they are, in fact, calling XXXX XXXX XXXX. I have requested they remove this number from their calling list. They have said they would, and yet they call me every week. They call from XXXX, I have recorded phone calls telling them that there is no one here by that name on XXXX and XXXX, but they have called on multiple occasions, probably XXXX times in total.
Product: Credit card

BarclayCard US is providing a concerning revelation on behalf of credit decisions requested. Based on previous inquiries and correspondence which they furnish through email AND vocally over the phone, they still send correspondence with secure information through the mail, when there is no need to do so in cases where XXXX copy of correspondence has been received either electronically or vocally over a phone line where they obtain permission via secure information handled by the receiving end of the phone line. This is a XXXX XXXX concern due to how prevalent " Hacking '' is these days. I am requesting a full investigation of this in addition to sequestered forms that are improperly sent based on the above analysis. Credit Card companies should be fully cooperative with modern technology and provide full disclosure regarding Credit Inquiry decisions and should only offer XXXX form of a decision for delivery, be it electronically, vocally, or through the mail. While mail is to be considered Secure, Credit Card companies should know better than to put Any form of identification that tags a partial Credit Card #, SSN, or Tax ID where unknowns are able to Steal, or mishandle the documentation should it fall into the wrong hands. I 'm pleading that this matter be taken seriously, as if the tables were reversed, I 'm sure the affected would have the same opinion. 

Nobody deserves to have their information stolen. If Credit Agencies would take the proper precautions in securing information, perhaps this would become less of an issue for many victims of fraud.
Product: Vehicle loan or lease

In XXXX we got a personal loan from our credit union to pay off the loan at BBVA so we could have the title released to us for us to sale the car. On XXXX a check to pay off our auto loan was sent to BBVA so that we could close the loan and release the title to us. We were told the title would be mailed out XX/XX/XXXX, and it would be in our mailbox BEFORE XX/XX/XXXX. On XX/XX/XXXX, after not receiving the title, I called BBVA to confirm they had sent the title. I was told that the title had been delivered to our P.O. box but it had not. I called the post office to confirm that the title was not with them and they searched and did not have it. 
We called BBVA on Monday XX/XX/XXXX and they had told us that the title was actually showing in their system. XXXX and frustrated, I had a 45 minute conversation trying to get the person on the phone to allow me to speak to a manager, and overnight our title. With no luck my husband called back later that day and demanded to speak to a manager.  After being given the run around they finally allowed him to talk to a manager. She assured us that our title would be overnighted and gathered his information ( including the fedex account number at his place of employment and the name of the company and town ). On Tuesday XX/XX/XXXX, we got a phone call that they had NOT gotten the title in the mail because they neglected to gather the actual Address for the business. 
WE ARE STILL WITHOUT THE TITLE to our vehicle. It has been 2 months and they have neglected to keep their word or send our title in the mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CREDENCE RESOURCE MANA ( Original creditor : XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts have been reported delinquent on my credit report but none of the 3 reports are consistent. The account are on a payment plan for 5 years are paid but still being reported late by XXXX XXXX XXXX XXXX  then a couple is reported charge off but still taking my payment. Medical bills that were paid by XXXX XXXX and bills that I have no knowledge of.
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer report and am deeply disappointed that TransUnion has not yet removed the accounts I have consistently disputed. As a victim of identity theft, I filed a comprehensive report on XX/XX/year>, addressing these issues. The accounts from XX/XX/XXXX ( Account # XXXX ), XXXX XXXX ( Account # XXXX ), XXXX XXXX ( Account # XXXX ), and XXXX XX/XX/XXXX( Account # XXXX ) are unauthorized and result from identity theft. Despite my efforts and providing sufficient documentation, these accounts have not been removed from my consumer report. This constitutes multiple violations of the Fair Credit Reporting Act ( FCRA ) : ( XXXX ) Violation of Permissible Purpose ( 15 USC 1681b ( 2 ) ) ( 2 ) Violation of Block of Information Resulting from Identity Theft ( 15 USC 1681c-2 ) ( 3 ) Violation of Civil Liability for Willful Noncompliance ( 15 USC 1681n ) ( 4 ) Violation of Civil Liability for Negligent Noncompliance ( 15 USC 1681o ) ( 5 ) Violation of Other Relevant Provisions, Including Maximum Possible Accuracy ( 15 USC 1681e ( b ) ) I urge you to take immediate action to rectify this situation by removing the fraudulent accounts from my consumer report and ensuring compliance with federal law. I have been diligent in providing all the necessary documentation, including police reports, affidavits, and other supporting evidence, to prove that I am a victim of identity theft. It is disheartening and frustrating to see these unauthorized accounts remain on my report, negatively impacting my XXXX XXXX and financial standing. 

These accounts are not related to any transactions authorized by me, the consumer, as I did not give written instructions to your agency to report these, which is a violation of the permissible purpose section of the FCRA. This violation holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of purchasing a home. I noticed that on my XXXX Credit report they show that I have an account that with One Main Financial company. I agree that I was 2 months late for a 60 day late payment however XXXX is showing 90 day 's late. I contacted OneMain and they agree that I only have one account. over the last 2 weeks my score on My account with OneMain is XXXX. This is the only account I have with this company. However they are reporting two on my account. I do not know what to do. I speak with XXXX and they tell me that they are initiating a dispute on my behalf but they do not contact OneMain. I contact OneMain financial and they inform me that they are reporting one account. One my other credit reports I have only one account. I have been hurt financially and emotionally by this. I am not longer able to get my VA loan approved. I am at the end of my lease for the current home I am in and will not have a place to live after the XXXX of this month. We did not resign the lease because we had met our eligible scores for a VA home loan. Now that XXXX and XXXXneMain has failed to do their job I no longer qualify for VA loan approval. I've been contacting them for almost a month now about this. I NEED HELP PLEASE.
Product: Credit reporting or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Joint credit card opened in XX/XX/XXXX with former spouse. After divorcing in XX/XX/XXXX, I assumed financial responsibility of the card but former spouse filed bankruptcy and XXXX the account in XX/XX/XXXX without my knowledge, severely impacting credit report. After reaching an agreement with and closing card with the bank it is inaccurate and being reported differently with all three agencies.
Product: Debt collection

THEY ARE TRYING TO COLLECT A PAID DEBT not OWED TO THEM. I had a bill at my XXXX XXXX XXXX office. That bill was paid off in full. North American Credit Services is now trying to collect that " debt '' which isn't a debt. They also want me to provide proof of debt paid. It is not my job to provide these people with anything. I don't have an account to settle with NACS. I've only dealt with my doctor 's office and will continue to only pay them for services rendered. I don't have to provide you people with any proof of debt paid. I have receipts for the courts that I will present. Do your homework NACS. Calling debt collection and acknowledging anything is automatically taking ownership of that debt. That's why you never talk to a collection agency you don't plan on paying. I am not paying a collection agency for a bill that was paid off. I got dates and amounts plus bank statements. My bill was paid in full!!! I don't work for NACS so why would I send you my doctor bill receipts? YOU get it from the doctor 's office. I am NOT settling an account with NACS that I don't have a debt with.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report on XX/XX/2019 I saw my score has dropped due to a hard inquiry on my report by Capital One credit card that I did NOT do. It was done on XX/XX/2019 in which I did not do nor did I authorize Capital One to run my social security number at all. I have contacted them or tried since XX/XX/2019 by phone and always placed on hold for over 45 mins to one hour each call. I have made 8 calls since XX/XX/2019 at different times of the day. I am requesting that this hard inquiry be taking off my credit report. 

Thank you for your assistance in this matter, XXXX XXXX
Product: Debt or credit management

On XX/XX/XXXX, I entered a payoff agreement with Midland Credit Management in the amount of {$6500.00}. The agreement was for a monthly amount of {$200.00}, until the {$6500.00} was paid in full. I paid {$200.00} immediately and {$250.00} every month after by way of auto pay from my bank. I have paid all but {$250.00}, which is scheduled for XX/XX/XXXX. However, they state that I owe {$4800.00} because they " abandoned the agreement '' due to default in agreement by large period of non-payment. I have proof of all processed payments and requested to be sent payment history of payments received. XXXX XXXX ( who stated she was a supervisor in the legal department ) stated they are unable to provide written proof of payment history and/or itemized debt owed to me. 

This is a violation and I am in need of assistance, please. 

I have uploaded the original agreement and exported report of monthly processed payments from my bank account. This does not reflect the initial payment of {$200.00} made over the phone. However, I have a screenshot from the Midland Credit Management website of my account that does show that payment.
Product: Checking or savings account

Complaint about Chase Branch : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ) XXXX Incidence on XXXX at XXXX XXXX  CST : I have registered on the Chase Paper sheet on entering bank as a First Come First Serve basis. The list shows my name as a registered person. The lady XXXX doesn't want to take as I am not XXXX & 2 other customers ( who came after me ) were attended first at the branch.She was very rude & unhelpful. She removed my name ( darkened it with highlighter ) from the list & asked other bankers to attend XXXX customers. On inquiring, she added my name at the last page on the list I called for the branch manager & she was not in office at that time. She called me on my cell at XXXX XXXX CST. She apologized but it was very pathetic experience & discriminated against me ..since I am not a XXXX.