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

As indicated in complaint # XXXX, an international wire transfer of XXXX GBP from my daughter 's XXXX XXXX account to my checking account in Wells Fargo, XXXX GA, was never deposited. After 7 months of inquiries and complaints, Wells Fargo confirmed they deposited the money in the wrong account, and that they were not responsible. They told us our only recourse was to sue the fraudulent party ; however, they can not give us their identity. 

The facts are that the account number in the transfer was missing a digit ... no accounts in GA have that number of digits, The name and address of the recipient were mine! Wells Fargo did not meet any banking standard and participated in fraudulent transfer of funds. The recipient, according to Wells Fargo, contends that the funds are no longer available. Their error cost my daughter over {$7000.00}. She was transferring money to pay for her school loan.
Product: Debt collection

I received a letter fro this company around XXXX XXXX. I send them a statement that the Debt wasnt mine back in XXXX XXXX. I was told to contact the original company by Midland. After been the run around. I had a statement add to my credit file. This has been on my credit report for over 7 years and still reporting negative on my credit. I need help with getting this removed. Its has passed all laws on the time it can still report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXXXXXX XXXX, I sent a letter to XXXX XXXX opting out of two account reporting. They have not responded or complied.
Product: Debt collection

The collection company DRS on behalf of XXXX XXXX reported on my credit report that I opened a loan XX/XX/XXXX. I have disputed this on my credit report 2 times with XXXX and also asked for the original loan documents and was denied by DRS as they deemed this as accurate nor did they send me the documents that I requested 2 times while in dispute. I contacted this company and inquired about this loan and was told this loan was opened in XX/XX/XXXX which is XXXX  years ago. I then asked why is it reported on my credit report now and that it was opened this year XX/XX/XXXX and I was told that the loan just came to them and thats how they report it. I asked what address they had on file and she gave me an address that does not belong to me. She then stated I needed a police report and I advised how can I get a police report from XXXX when they just put this on my credit report XX/XX/XXXX. The information they have in my credit report is inaccurate as I have been a victim of identity theft for years now, the information on my credit report is falsely dated and does not reflect the actual date of this said loan. They refused to send me any documentation when I disputed this 2 times as well as a XXXX time while on the phone with this collection company.
Product: Credit reporting or other personal consumer reports

I am writing to dispute account on my credit report that were made without my consent. According to section 604 of the FAIR CREDIT REPORTING to section act ( 15 U.C 16B 1 B ), THERE ARE SPECIFIC PERMISSIBLE PURPOSES for obtaining a credit, I did not authorize theseaccount and can not find any permissible purpose under this section that justifies their presence on my report. ACCOUNT OPORTUNPROG, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX -XXXX XXXX XXXX -XXXX XXXXXXXX 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

XXXX  ( and most likely other credit reporting agencies ) are reporting a debt shown by JEFFERSON CAPITAL SYSTEM, a collection agency, for a XXXX account opened in 2019. I disputed the account online with XXXX, days later they sent a status and said the account was VERIFIED AS ACCURATE. I contacted XXXX, and they say they have no obligation to ask for any proof of the account, if a creditor provides my name, address and social security number they will report it as a debt. After they asked me for paperwork to prove it wasn't my account ( I asked them, how am I supposed to prove a negative? Shouldn't the obligation be for them to ask Jefferson Capital for proof?? ). I also contacted Jefferson Capital, and after asking for all of my information, new  address, etc., they simply went into debt collection mode and asked about me paying off the account. I stated that this was not my account, I've never had an account with XXXX, and asked them to please send me whatever documentation they had relating to the account being established ( my signature, where was phone sent, etc. ). They said they couldn't do that and hung up on me.

How do I get this cleared up??? This is a ridiculous system where companies can submit faulty information and then aren't required to provide documented proof of the account when challenged.
Product: Credit card

I received an invitation to apply for a secured card, which I promptly did. After applying and getting approved, I submitted a {$300.00} deposit. However, before the card was even sent to me, it was unexpectedly closed without any explanation. I had no outstanding balance on the account, yet I still haven't received my deposit back. I've been informed that it could take between 60 to 90 days for the refund, which seems incredibly unfair. I did nothing to warrant the closure of the card, and I shouldn't have to endure such a lengthy wait to retrieve my deposit.
Product: Debt collection

XXXX of National Credit Management told my father about my debt and accepted payment without my consent. I am not and was not a minor at the time. 

XXXX XXXX XXXX National Credit Management XXXX XXXX, MO XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inclusion of a fraudulent account on my credit report and request its removal under FCRA 15 U.S.C. 1681c-2 ( Section 605B ). The account in question was opened or accessed fraudulently as a result of the XXXX data breach, which compromised my personal information. Account # XXXX has violated my rights. Account # XXXX has violated my rights. Account # XXXX has Violated my rights. 



Details of the Fraudulent Account : Account Name XXXX XXXX XXXX XXXX XXXX  Date Opened : unknown As stipulated under Section 605B of the FCRA, I have attached the following documentation to support my request : 1. A copy of my government-issued identification.

2. Proof of my current address ( [ e.g., utility bill, bank statement ] ).

3. A copy of the FTC Identity Theft Report or police report documenting this incident. 







This fraudulent account was created without my knowledge or consent, and its presence on my credit report is inaccurate and harmful. Pursuant to the law, I request that this item be blocked and removed from my credit report within the required timeframe of four business days upon receipt of this letter and supporting documentation.

If you require additional information, I can be reached at [ your phone number ] or [ your email address ]. I appreciate your prompt attention to this matter and look forward to your confirmation that the fraudulent information has been removed. 



Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

Background : I am an American Express ( AMEX ) customer of over 20 years and have 5 personal cards with the company. I subscribe to their XXXX  service ( $ XXXXmonth ) which monitors and notifies me of changes to my credit report. In my 20+ years of service I have never missed a credit card payment or paid late. All my accounts with AMEX are enrolled in paperless billing ( i.e. I receive email notifications instead of paper letters ). 

Issue/Event : Failure to Send Customer of Adverse Action Notification In Connection with Credit Decisions XX/XX/2022 - I received an email notification from XXXX  informing me that American Express had reported a credit limit decrease to XXXX. This action negatively affected my credit score. 
XX/XX/2022 - I reviewed my email account and did not see any communications or notifications from AMEX regarding a credit limit decrease to this account. 
XX/XX/2022 - I called AMEX and their agent was unable to find any communications from them-to-me in their system related to the credit limit reduction. The agent said that the credit limit reduction should have generated a communication as someone reviewed and submitted the request on their end. I was never proactively notified by AMEX and only became aware of the Adverse Action due to the email from XXXX. 

Summary : American Express has taken adverse action against my account by reducing my credit limit. They did not inform me of this adverse action as required by law. I only became aware after it had been reported to the credit bureaus. Their actions have negatively affected/lowered my credit score. To restore my credit they want me to agree to a credit check which will further damage my credit score. 

I personally feel these actions are a form of targeted XXXX. I spoke to numerous representatives trying to understand what happened and why but they all admitted that this was an operational gap on their end. They may subject XXXX  or people of XXXX to sub-standard processes knowing that they will negatively impact their customers. AMEX and other credit card companies should not be given a pass when they fail to adhere to their operational processes that directly and negatively affect their customers.
Product: Debt collection

In May received a call from this collection agency. Asked for a person. Explained no one by that name here. They said that att sent them this account due to no payment under a ( this person name ). Told them that we have never had an XXXX mobile acct and that this is an error cause the acct does not belong to me. I then called XXXX fraud depart had them check under my name, address, ssn ... they said no acct exist. I had them try and find an acct with this bogus name, using my address ... still could not find an account. The fraud department told me that since they could not find any accounts, I should not be worried. I told this to the collection agency who I found out went ahead and reported this bogus account, with the bogus name, under my social security number. Not sure how the collection company got my social or my phone number but it sure did not come from att cause I never had a mobile account with them.
Product: Money transfer, virtual currency, or money service

So I was trying to. 
Send money to a restaurant through zelle And? 
For summer reason, The phone number that was saved on my phone.Was the correct phone number? But when I sent the money somehow it was a different number and never asked me.To verify the transaction or the phone number it just sent it automatically. When I called the bank That money was sent to the rule person, they said there nothing they could help me with the money was Was sent and there's nothing they could do to stop it. I tried reaching out to the person to see if they can To see if they could give it back but they never responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute for 3 XXXX accounts and then these three were purchased by XXXX XXXX XXXX. I dont think they did an actual investigation. Otherwise, why is it ok for a company to say theyll delete accounts, not do it, and then the credit reporting agency be fine with it? I have sent them evidence of the company indicating they were deleting and they didnt even seem to look at this. They are just accepting that the company said its legit as though that should be enough. XXXX have repeatedly asked for a verification of debt and they havent done it. They ignore that I asked for and the company ignored sending me a copy of the contract or anything showing my signature and they ignore or refuse me. I asked for an exact breakdown of fees and they refuse. Funny how it says credit limit of {$100.00} but owe like {$400.00}! I dont think they really investigated. Its like they just contacted XXXX and XXXX and took their word for it. They have the same debts on their twice both with original comenith and then XXXX XXXX XXXX. Because I had no card number they wouldnt even talk to me! I want them to have to show what I owe! I asked them to provide what the money they say I owe is for and they have ignored me. I asked them to explain and show how they calculated what I owe and they refuse. I asked for a copy of any paper bearing my signature. I asked for proof of agreement from me. They provided no proof at all, ignore my requests for the last three years, yet still report to credit agencies and the credit reporting agency honors them! This isnt right! Id like credit reporting agency to get a signature, contract, or fee breakdown to actually verify!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, 2020 I sold a home and the mortgage secured by the property was paid in full by XXXX XXXX, 2020. The lender is XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, Arkansas XXXX ( XXXX ) XXXX. The mortgage note was for {$340000.00}. The lender removed the mortgage from my credit report on XXXX XXXX, 2020, which was correct. On XXXX XXXX, 2020 the lender added the mortgage back to my credit report which is not accurate ; I called them and to dispute this and they removed it again from my credit report within 24 hours. On XXXX XXXX, 2020, the lender added the debt, again, to my credit report. I attempted to contact them to correct this situation and it has not been resolved. 

I want them to stop adding this to my credit report.
Product: Credit reporting 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 confidentially under 15 USC 1681. 

XXXX XXXX XXXXXXXX XXXX : // XXXX All Acccounts Have Violated My Rights 15 U.S.C. 1681 section 602 A. XXXXtates : I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2. States : A Consumer Reporting Agent can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) States : No Consumer Reporting Agent may make any Consumer Report containing any of the following items of records of information, any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681's-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information ins inaccurate.
Product: Payday loan, title loan, or personal loan

I had disabled the overdraft facilities so that I would not get OD charges. But I got it again. This time they said that the OD that is disabled is only valid to card transaction and not account transfers ( like XXXX ). Also, within 15 days, I got charged {$90.00} for Sustained Od along with {$35.00} OD charge. 

After calling them, they decreased {$35.00} OD charge and {$30.00} on charges but not all. The fact that they are agreeing to refund about 50 % doesn't mean that they are at mistake. 

XX/XX/XXXX Fee Rebate Dda Credit {$30.00} - {$90.00} XX/XX/XXXX Fee Rebate Dda Credit {$35.00} - {$120.00} XX/XX/XXXX POS Credit Dda Credit {$49.00} - {$150.00} XX/XX/XXXX Service Charge Sustained Od - {$30.00} - {$200.00} XX/XX/XXXX Service Charge Sustained Od - {$30.00} - {$170.00} XX/XX/XXXX Service Charge Sustained Od - {$30.00} - {$140.00} XX/XX/XXXX Fee Overdraft ( 1 At {$35.00} ) |eNotice - {$35.00} - {$110.00} XX/XX/XXXX Preauthorized Debit XXXX Inst Xfer - {$95.00} - {$80.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

After checking my credit report today I notice a bunch of unauthorized Inquries. 

XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It XXXX Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to granXXXX you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX/XXXX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end Aconsumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES For XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME 2. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end Aconsumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES For XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more.

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Credit card or prepaid card

-- In   XX/XX/XXXX   the balance due on my   XXXX    XXXX  Credit Card ( billed b y Comenity Capitol Bank )  was {$250.00} and the minimum amount due was {$25.00}. The minimum amount due remained {$25.00} for   XX/XX/XXXX  ,   XX/XX/XXXX  , and for   XX/XX/XXXX ,  XX/XX/XXXX  a nd  XX/XX/XXXX  as the account balance continued to go down each month until it was {$140.00} by  XX/XX/XXXX .     -- So, beginning in  XX/XX/XXXX , believing the {$25.00} would be my monthly payment for the remainder of the balance, I decided to set up an auto payment. I did not plan to use the card or buy anything else as I had recently retired and wanted to pay down the bill. So I set up an auto payment on the account to be paid from my bank for {$25.00} each month by the due date, beginning  XX/XX/XXXX . I had not made and continued to not make any more purchases on this account. However, even though my account balance continued to go down each month from  XX/XX/XXXX  thru  XX/XX/XXXX , in  XX/XX/XXXX , with the account balance now being {$130.00}, they raised the minimum amount due to {$27.00}. Not expecting this as my balance had not gone up, and I had made no more purchases, ( and had on ly one  " fee charged '' -- {$27.0 0} ) m y auto payments remained the same -- {$25.00}.     -- However, because I was now, ( beginning in  XX/XX/XXXX   ), p aying {$2.00} under the minimum due I began to incur {$27.00} " late fees '' each month beginning in  XX/XX/XXXX  and continuing thru  XX/XX/XXXX . These fees are not marked as " late fees '' only " fees charged '' on the itemized part of the bill. In addition, they do not indicate the date they receive your payments on the statement. These  two f actors do not immediately make it obvious when you look at the bill, what is going on. My bills were never late -- only short by {$2.00}. So over this period of time from  XX/XX/XXXX  thru  XX/XX/XXXX  I incurred {$320.00} in late fees by my calcul ations. ( My  bill would have been paid off by now if not for these fees. ) -- I see no reason why the company would increase my minimum payment by {$2.00}, even when my balance was going down. I feel this is a type of scam or taking advantage of the customer, if you will. I feel that they can see you are now paying by auto payment and they believe they may be able to confuse you, if you do n't pay close attention to your bill -- by changing you an amount due slightly over your auto payment and then charge you exorbitant fees for " being late '' on a balance of {$250.00} or less.
Product: Debt collection

I received a call from " UNKNOWN '' number. Voicemail left said that documents were refused and to call the firm that hired him within 2 hours. " CALL NOW ''. This person then called family members and left the same message. I called the number back twice. The woman who answered the phone answered with " law office ''. She identified the law firm as " Roberts Law ''. She said she would send an email to the " server '' and tell him not to call anymore. The number I was told was - XXXX.
Product: Vehicle loan or lease

I was in a major car accident on XX/XX/23. I was unaware of my next steps as I was hospitalized and unable to work. I reached out to consumer portfolio and they instructed me to fill out a form and await a decision. The form was completed and during that time the insurance company sent checks to cover the total loss of the vehicle along with Gap insurance to pay the remaining portion. During this time the company received checks for about {$17000.00}, yet they reported my credit negatively because of the interest that had accrued during that time. I was never told that I needed to make payments although I called the company to inquire about my next steps.