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

On XX/XX/2020, I made a {$25.00} donation to XXXX XXXX XXXX via PayPal through a legitimate XXXX post by a known friend on behalf of that dog rescue group. PayPal added a {$1.00} fee, making the total {$26.00}. 

When my credit card statement arrived, there were two identical payments of this donation, with the second dated XX/XX/XXXX, so I contacted XXXX XXXX XXXX  to inquire whether the donation had inadvertently been set up as a recurring donation. Their treasurer emailed back on the evening of XX/XX/XXXX that they had not received either donation. 

The phone number attached to the payments on my statement was XXXX, which reverse phone lookup showed belongs to XXXX XXXX XXXX. I began to suspect fraud, and XXXX XXXX XXXX canceled my credit card and the two charges. 

I then checked my PayPal account, which showed only two donations in this general time frame to XXXX XXXX ( a totally different dog rescue group ), both legitimate, both received by XXXX XXXX, and both free of any servicing fees. However, there is no record in PayPal of either of my donations to XXXX XXXX XXXX. PayPal had to have received my donation transaction on XX/XX/XXXX, since it appears on my credit card statement and since I have a receipt from PayPal with a transaction number, and I would assume that PayPal should also have some kind of record of the second transaction. It is strange that PayPal billed my credit card bank, but has no records, and has not sent any donation to XXXX XXXX XXXX on my behalf. 

My efforts to contact PayPal to learn what had actually happened met with total frustration, and either actual or deliberate incompetence and ignorance. I have come to the conclusion that PayPal either inadvertently ( perhaps through some computer glitch ) or deliberately ( thereby committing fraud and theft ) received the money from my donations from my credit card bank and failed to pass the funds along to XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX had made me a promise that if I took on my old load ,25 years old that they would consolidate all of my loans so that I may attend school. Thus in hopes of seeking a re-education I signed for a loan of witch i received not a dollar but took on a maxed out student loan for witch i received no even a dollar. The original loan that shows maxed out on my credit is more than 25 years old and was sold to me on a lie in the first place.
Product: Credit reporting or other personal consumer reports

Request for Closure of Child Support Case and Removal from Credit Report Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against the Office of Attorney General Child Support Division in XXXX, TX for serious violations of my consumer privacy protection rights. Specifically, they have added a child support case to my credit report without my knowledge, consent, or permission. 

Under 15 U.S. Code 1682e ( b ) and 15 U.S. Code 1681i ( 5 ), it is evident that the reporting of this account is in violation, as it inaccurately lists the Child Support court as the furnisher. This misleading information is a form of forgery and is detrimental to my creditworthiness. Moreover, it is a clear violation of permissible purposes as outlined in 15 U.S. Code 1681b. Without my direct written consent, reporting such information is against the law. 

The child support case in question was created by the custodial parent, also without my consent, permission, or knowledge. This further compounds the infringement on my rights. 

In accordance with the 2007 Miller v. Trans Union, LLC ruling, child support cases are not meant to be reported on credit reports. This is a matter of public record and should not be included in my credit history. It is essential to note that this information has not been derived from a credit transaction, and its presence on my credit report is both unwarranted and detrimental. 

I kindly request the immediate closure of this child support case and the subsequent removal of any associated information from all three credit bureaus. I trust that this matter will be resolved expeditiously, and I request written confirmation once the necessary corrections have been made. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX
Product: Payday loan, title loan, or personal loan

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I 'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Credit card

I wish to practice my right as a customer of JP Morgan Chase to use your organisation 's service, seeking a formal, impartial investigation to amicably settle my dispute with JP Morgan Chase. 
In order to clear up the myriad of letters and correspondences I have hitherto sent to JP Morgan Chase respecting my complaint, I believe it will substantially strengthen both my case and your understanding, by taking a deeper look at the happenings of my case, and analysing the relevant facts in an objective and comprehensive fashion. 
It is crucial to note that I have been manipulated, socially-engineered and coerced to engage these fraudulent criminals. Much to my embarrassment, I recognise that I am the victim of an investment scam. 
My complaint to the CFPB has arisen as I do not consider, by any stretch of the imagination, the conduct of JP Morgan Chase to be commensurate with their legal role and responsibility to their customers. They sell a service to look after their customers, protect their money and are a financial institution that maintains a traditional relationship and way of working with its customers. 
During the complaints process with JP Morgan Chase, I found their communication ineffective, which further hides their conduct to management and diminishes the service offering to their clients. They are struggling to adapt their business offering in the ever-changing world of IT development. The internet is presenting a real problem which they choose to manage in a way which is not in line with rules and regulations of CFPB as well as their own internal policy and procedures sold to their clients.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Experian is in violations of consumer law codes ( 15 USC 6808 ) ( 15 USC 1666B ) I was not notified of these late payments below Also, I did not give my written consent for these late payments below to be reported to my credit report this information is incorrect and Inaccurate I demanded this information gets removed immediately. Also, I demand that XXXX, XXXX and Experian shows proof that I gave my consent for these late payments to be reported to my credit report XXXX XXXX account # XXXX XXXX Account # XXXX
Product: Debt collection

In general Subject to subsection, any consumer reporting agency may furnish a consumer report under following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 

As a consumer by law these accounts on this letter must be deleted immediately or i will seek remedy in the form of monetary damages in small claims court in my city and state. Also we already involved and sent to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commision. Wells fargo In general Subject to subsection, any consumer reporting agency may furnish a consumer report under following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 

As a consumer by law these accounts on this letter must be deleted immediately or i will seek remedy in the form of monetary damages in small claims court in my city and state. Also we already involved and sent to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commision.
Product: Debt collection

I took a course with the XXXX XXXX XXXX with monthly installment payments. I didn't complete payment of the course and they sent it to a collection Agency called UCSB Corporation. My account number as reflected on my credit report as XXXX. I settled the account in full for a lesser amount and they told me my credit bureau report would show a XXXX balance. However on my XXXX  credit report, it's still showing I owe a balance to the school for {$170.00}. I contacted the school and they informed me I still have a balance of {$170.00} and I would need to contact the collection agency because I made the agreement with them. This is a gross misrepresenation by the collection and I've repeatably requested a receipt and they claimed they emailed, faxed it, but I've never received it. They also stated they would mail me a receipt, but I've never received anything in the mail. The XXXX XXXX XXXX is at XXXX. If UCSB Corporation didn't have the authority to settle the account in full, then I would've never paid them and negotiated directly with the institution
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I pulled my credit report from XXXX and transunion and XXXX and noticed that the balance of my XXXX loan with XXXX XXXX had not been updated since XX/XX/2023. I called XXXX XXXX and asked why are have they not updated the balance on my car loan with them since XXXX of XXXX I asked them to please update the info with the correct balance as I am trying to buy a home. I was told that I needed to send a email to them to dispute the balance which I did. I have sent a email every XXXX  since the balance was updated in XX/XX/2023 when I filed a complaint with cfpb but has not been updated since. I reached out to them XXXX XXXX and was given the same information to send a email and I have not received a response or a update to my credit report. I have attached a screenshot of the balance on my loan with arrivo acceptance and a copy of my current credit report.
Product: Credit reporting or other personal consumer reports

I woke up this morning and I saw some unauthorized inquiries on my credit report. I don't have any idea why this showed up on my credit report.
Product: Vehicle loan or lease

In accordance with the fair credit Reporting act XXXX Account # XXXX, from XXXX XXXX XXXXXXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Money transfer, virtual currency, or money service

Repetitive emails and daily demand from.a company called XXXX and some type of clearance recipients about {$500.00} worth of XXXX that needs paid. 

But receiving breach letters from the U.S. Department of Health and Human Services, and on The City of XXXX, Ohio XXXX, Public Resident site that my name and current address owned but relocating due to severe handicap and invasion of Privacy in Changing areas, repeating by neighbors of financial issues and Hippa issues. Awaiting ADA Wheelchair Accessible unit and major XXXX locally. I'm broke preparing for a nursing home and under penalty of perjury have made no contact whatsoever with any company, XXXX about a sizeable amount of cryptocutrency or XXXX I'm looking for housing only. I am behind : Defrauded or Identity thefted. My purse coincidentally was stolen by a neighbor XXXX XXXX XXXX  and started a home health agency and caseworker around XX/XX/year>.
Product: Credit card or prepaid card

I found a Charge offs on my Credit report form DISCOVER. I disputed it with the CRA it came back verified. I than sent a letter to DISCOVER about this heard nothing back and called them I spoke to a Customer Service Representative who informed me that your DISCOVER does not have any information on this account that it was all sent to a collection agency. How did they investigate this account with out any documentation? I contacted the collection agency their rep told me about and they could not validate the debt. This is a violation of the FCRA and the trade line needs to be removed ASAP.
Product: Credit reporting or other personal consumer reports

They lowered my FICO score for no reason. Nothing on my credit report changed.
Product: Vehicle loan or lease

Notice to agent is notice to principal, this should serve as a written notice to Drivetime that I wish to pursue arbitration according to the contract for many disputes/ complaints I have with the unconscionable contract, false advertising about the price of the car, violations of the TILA, and miss applied down payment. Last 4 of ss XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN CREDIT REPORT # XXXX WAS MAILED TO ME ON XX/XX/2022. ACCOUNTS NUMBERS # XXXX, # XXXX, # XXXX, # XXXX, # XXXX. ALL 5 ACCOUNTS SHOULD SHOW PAID AS AGREED WITH {$0.00} BALANCE, ATTACHED WITH THIS IS A COPY OF EXPERIAN CREDIT REPORT # XXXX AND RELEASE OF DEED P.S EXPERIAN HAS HURT MY CREDIT SCORE
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with XXXX and 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 reported in to be removed.

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. 


XXXX 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! 

Delete the late payments from my consumer reports
Product: Credit card

XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX Subject : Dispute of Account Information Account No. XXXX Dear FEB-RETA Dispute Department , I am writing to formally dispute the information being reported on my credit file for the above-referenced account. According to my recent credit report, the following inaccurate details have been reported : Reported Balance : {$0.00} Account Status : Charge-Off Available Credit : {$2500.00} Charge Off Amount : {$400.00} Delinquency First Reported : XX/XX/year> I believe this information is incorrect and negatively impacts my credit profile. I kindly request a thorough investigation into this matter and for the necessary corrections to be made. Please provide verification of the reported balance, account status, and charge-off amount. If you are unable to verify the accuracy of this information, I request that the erroneous data be removed from my credit report immediately. 

Enclosed, you will find copies of relevant documents supporting my dispute, including a copy of my credit report highlighting the disputed items. 

Please provide a written response regarding your findings within the timeframe specified by the Fair Credit Reporting Act ( FCRA ). If the information can not be substantiated, I expect its immediate deletion from my credit profile. 

Thank you for your prompt attention to this matter. I appreciate your cooperation and look forward to resolving this issue. Please confirm receipt of this letter and provide a resolution
Product: Money transfer, virtual currency, or money service

PNC is not allowing XXXX  to have access to accounts. 
I tried to sign up, but the issue is at PNC 's end. 
This bank should allow information-pass through to XXXX so end users can use this service with their PNC accounts and thus have another line of protection since XXXX generates unique credit card numbers and I think ( in my case ) can limit fraud occurring. XXXX cards can also have set limits placed on them, unlike traditional credit cards.
Product: Credit card

My Citibank credit card account opened 19 years ago was closed without warning. Being one of my oldest credit card accounts, this decreases my FICO score and damages my credit rating. When I called and asked for the account to be reopened, Citibank wanted to run a new credit report to reopen the account. Running credit inquires will decrease my FICO score and damage my credit rating. When used, my payments for this card have always been on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

This collection has been paid in full and transunion is reporting it like I owe this debt. I am writing to dispute U S DEPT OF ED/XXXX/XXXX XXXX on my credit report. The balance listed on the account is incorrect. Please delete the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had several communications with XXXX management team and account problem departments of which had all found that they were in the wrong concerning this debit. They had made the adjustments and I returned the phone with the agreement that the debit was satisfied. Unfortunately all my kept communications have been wiped from my files saved in my XXXX XXXX. I am very stressed to find this report on my credit. The XXXX report has impacted my credit score and partly in my attempt to improve my credit. After my dispute I have received nothing from XXXX in 30 days which I believe is law. I am requesting that the XXXX report be updated to complete and satisfactory or for the XXXX report to be removed from all three credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Did not recognize or authorize this credit inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

Last week Rushcard did a system update in which all cards would be down for a couple of hours. After said time my account has not been correct. I was suppose to get my direct deposit on that wendesday and it is now the following Tuesday and my deposit is still not in my account. I continue to call yet very time I mention direct deposit I get hung up on. I have been without gas and food in my house. Bills are being to be late and my rent is about to be due. On eve I do finally get to speak to someone they ca n't tell me anything that is going on except they are trying to fix the issue.
Product: Checking or savings account

XX/XX/year> I was approached by two men in the XXXX outside of a XXXX. These two men had a tap to pay device or similar and tapped my phone wallet stealing {$2500.00}. I immediately called police and made a report. I then called my bank and the card housed in my phone wallet was cancelled. The {$2500.00} went to a XXXX account named XXXX XXXX, after further investigation the username to this account is XXXX. Multiple employees from Wells Fargo confirmed that the bank would be reaching out to the merchant to confirm proof of goods or services. This was not done. The bank denied my claim because my phone was not lost or stolen and stated that it was an authorized charge because of this. I was advised to call my phone carrier which is XXXX. XXXX informed me that they do not have access to phone apps and to contact apple wallet support. I spoke to XXXX XXXX  support and they informed me that when Wells Fargo cancelled my card it removed all information including transactions from my XXXX XXXX  as part of a privacy agreement. XXXX also confirmed that as long as my phone was unlocked the tap to pay device would work without additional authorization. I reached out to XXXX and they were able to located this transaction. They also indicated that there are many cases open for similar charges and that they FBI is involved. They provided me both with a transaction ID and Reference ID however due to client privacy policy they can not issue a chargeback because it was done through their zettle app. The back office of XXXX strongly urged me to have my bank issue a chargeback so that they then could provide the bank with the necessary information and release the funds. Wells Fargo has refused to do this and even XXXX can not understand why as this would be a simple fix. Wells Fargo has continued to be negligent and from the very first phone call has not taken the steps they said they would to confirm the fraudulent activity. Myself as a consumer have found more information by simple google searches. I have gone into branches and branch employees also cant seem to understand the disconnect that is happening. Wells Fargo has incorrectly notated this case from the beginning. XXXX has stated time and time again that this is fraud and they need the bank to issue a charge back so they can perform the work they need to on their end.
Product: Checking or savings account

On XX/XX/2020 my check was deposited into a closed account the irs is stating they never got the money back this is my second time filing the same complaint with this bank
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
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