23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

This is a complaint in regards to Wells Fargo '' Claims Assistance Center - Credit Card Fraud Claims ''. 

Me and my wife are now going through our 3rd claim in trying to get a refund from 2 cash advances that was taking out by identity theft. 

Someone stole my wife 's wallet on XX/XX/2019 in XXXX XXXX, CA. 
This person went to two Wells Fargo branches and took out two cash advances in the amount of {$2600.00} and {$3000.00}, a total of {$5600.00}. 


The person who took out the cash advances impersonated my wife using her I.D and falsified her signature. 

Wells Fargo is not being helpful in the process of refunding these unauthorized transactions. 
Wells Fargo believes that it was my wife who made these cash advances because the ''signature matches her ID ''. 

Wells Fargo has not showed us these falsified signatures or showed us the CCTV footage where these transactions took place which was INSIDE Wells Fargo Branches. 

We are very stressed about this situation, we feel that we have done everything right by our part. 

As soon as my wife noticed the transactions by logging in on her wells fargo account, she immediately called wells fargo to close the account. This was done on XX/XX/2019, same day as the fraud took place. 

On early morning on XX/XX/2019, we went to the police to file a police report. 
We have submitted this police report TWICE to Wells Fargo XXXX Claims Assistance Center - Credit Card Fraud Claims '', but to no avail. 

Wells Fargo still believes my wife did these transactions but they won't let us look at the falsified signatures or the CCTV footage which would confirm that my wife could not have done this. 

This is causing extreme stress, we are currently awaiting our first child and we need the credit card to prepare for our child. 
Wells Fargo has shown extreme negligence in handling our claim and we need this resolved ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I have fraudulent accounts on my report. Please remove these accounts from my report. They are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and ( Original Creditor : XXXX XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

There is information that on my consumer report that are result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. 

delete inquiries 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 or other personal consumer reports

I am filing a complaint against Equifax for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give HARVEST ASSOCIATES INC the permission to furnish information on my consumer report non consent is identity theft. 15 USC 6802 prohibits disclosure of nonpublic personal information without the knowing and expressed consent of the consumer. As a financial institution they are not to disclose non public personal information to a third party unless such financial institution clearly & conspicuously discloses to the consumer in writing or electronic form or other form permitted by the regulation prescribed under section 6804 of this title that such information may be disclosed. I did not receive any of the 3 disclosures I just mentioned, which Ive discovered is against consumer law and a direct violation. 

HARVEST ASSOCIATES INC and XXXX denied any inaccuracies but after further investigation I can confirm they are reporting inaccurate information on my consumer report which is a another violation under the FCRA 15 USC 1681.

USC 1681b states that consumer agencies can only furnish something in accordance with the written instruction of the consumer to whom it relates. I did not give HARVEST ASSOCIATES INC permission which is another violation.

TILA 15 USC 1601 protects me as a consumer against inaccurate & unfair credit billing. As a consumer, I never signed an agreement to enter into a credit transaction with HARVEST ASSOCIATES INC yet they have reported that I opened an account on two different dates because my consumer report is incorrectly showing XXXX different dates violating me even further. 

My complaint is also with XXXX who is allowing HARVEST ASSOCIATES INC to report inaccurate information on my consumer report which is a violation under the FCRA 15 USC 1681.

USC 1681b states that consumer agencies can only furnish something in accordance with the written instruction of the consumer to whom it relates. I did not give XXXX permission which is another violation on their behalf. Not only did I not give permission to furnish this information on my consumer report, the information is also incorrect which is a violation under 15 USC 1681b for those two violations under FCRA I am seeking {$2000.00} from XXXX.
Product: Credit card

I made my payment on Paypal 's website on the XX/XX/XXXX, which is the due date and due to the way their system works they did not process the payment until the XX/XX/XXXX. They claimed I was late by a mere 15 minutes. I have called to ask them to waive the late fee as I am making only XXXX to XXXX a week right now and they are unwilling to assist even though I actually submitted the payment on time on my side. All I have asked for is a fee waived due to my financial status and they refuse to do so, making my payment more than I can afford and setting me up for failure and a revolving door of fees and bad credit remarks from which I can not currently escape from. This is predatory at best.
Product: Debt collection

I closed my coverage with XXXX  Insurance in XXXX. I no longer owed them due to terminating coverage in XXXX. Credit Collection Services ( CCS ) received a collection request from XXXX  and has been reporting amount due of {$190.00} since XX/XX/XXXX. CCS has sent letters and annoying calls for the past year and I have informed them I cancelled the policy. They 1 have not provided me a copy of contract and or requested documents of account. CCS reported to XXXX and XXXX for the entirety of XXXX and in late XXXX they removed reporting from XXXX. They then updated XXXX reporting as " Paid '' but the account still showed on XXXX XXXX as a collection but not closed. I submitted Dispute on XXXX XXXX for removal of account due to inaccurate reporting and different variations of reporting between credit bureaus I demanded the account be removed completely. XXXX XX/XX/XXXX XXXX Dispute notified me of CCS update of reporting to currently state " Amount due {$190.00} with payment of {$150.00} made XX/XX/XXXX ''. The company CCS and XXXX  have not consistently reported any valid or accurate information and is updating reporting comments in order to keep this data on my credit report which is hindering my purchase of a home and has for the past 12 months. CCS also has failed to accurately report my contact information considering I have spoken with them more than 6 times on the phone and have recordings through automatic phone recording app with number verification. They have reported 3 phone numbers that I have not owned in more than 2 years.
Product: Debt collection

Im not sure why Bridgecrest would state in their cfpb complaint response that they sent me notice to seize my possessions for an alleged debt that I do not owe! They are not in my contract and its very clear that they have the wrong account information because the account number they have and the one on my contract is not the same which is deceiving and misleading. Threatening to seize ones property due to any form is nonpayment is not only a harassment, but its also very stressful and their tactics have caused me to have a XXXX and turmoil in my relationship. This alleged debt is also being reported to credit reporting agencies as a loan and nowhere does it say loan in any paperwork that I have. This company continues to lie directly to the CFPB, but refuses to provide proof. Stating that they sent me a letter about repocessing my vehicle that I use for family, and school is extortion and a direct violation of 18 usc 873. They stated they can't send me documents because of a cease and desist, but they continue to commit mail fraud and I just received yet another contract that they're not listed on and did not sign and its not the original contract along with a list of payments. Thats not all of the documents that I requested when I sent my cease and desist in XXXX of 2022.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Debt collection

I have reasonable cause to believe I have been extorted! I have been abused and deceived by " Attorneys '' at ZWICKER & ASSOCIATES, XXXX. in XXXX XXXX, Texas, including but not limited to, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, & XXXX XXXX, are violating my rights and federal law under the FDCPA, XXXX, & XXXX, all while never showing proof of authority to be legally " representing '' XXXX XXXX. They filed a lawsuit against me in XXXX XXXX XXXX XXXX at XXXX XXXX. XXXX in XXXX XXXX, XXXX, Texas, for a " breach of contract '' without providing a legally binding contract. They obtained my nonpublic personal information without lawful authority and have used it to bring harm to me and my financial reputation. I have never entered a contract with these people. I DID NOT AND DO NOT CONSENT to them possessing, using, or transferring my nonpublic personal information. They, along with XXXX XXXX, XXXX XXXX XXXX, etc. violated a cease-and-desist notice delivered on XX/XX/XXXX, via certified mailing number XXXX received with signature, by continuing to proceed in obtaining a default judgement against my strawman, without lawfully validating the alleged debt. 

Violations committed by ZWICKER & ASSOCIATES, P.C. are as follows but not limited to : 15 USC 1 15 USC 1692d 15 USC 1692e ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692e ( 4 ) 15 USC 1692e ( 5 ) 15 USC 1692 ( 7 ) 15 USC 1692 ( 9 ) 15 USC 1692e ( 13 ) 15 USC 1692f ( 6 ) 15 USC 1692i ( b ) 15 USC 1692j 18 USC 1028A 18 USC 241 42 USC 1983 Let the record show, I, private consumer in fact, REJECT, ZWICKER & ASSOCIATES, P.C. 's offer to contract.

Let the record show I DID NOT AND DO NOT CONSENT to ZWICKER & ASSOCIATES, P.C. or any and all individuals acting under, affiliated with, or doing business with, to possess, use, or transfer ANY of my nonpublic personal information including my name, location information, telephone number, or any details regarding my experiences with financial institutions, for ANY purpose or reason, especially for unjust enrichment.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX  This individual claimed to have XXXX XXXX puppies of XXXX XXXX. He asked for {$600.00} then proceeded to ask for money via gift cards for vet bills. I was supposed to pick up the puppy. However, yesterday and today, Sat XX/XX/2023, something went wrong to affect the pickup of the puppy. The deposits of {$300.00} were " fully refundable ''. I wired the funds to an XXXX XXXX. XXXX, his " accountant ''. First Installment : {$300.00} - XXXX XXXX XXXX ; Attn : XXXX XXXX XXXX Second Installment : {$300.00} - XXXX XXXX XXXX ; Attn : XXXX XXXX XXXX Final Installment : {$300.00} -XXXX  XXXX XXXX XXXX Attn : XXXX XXXX XXXX I had originally intended to purchase two puppies, XXXX XXXX XXXX XXXX. However, my sister-in-law changed her mind at the time. I was going to use this animal as a replacement XXXX  animal for my XXXX animal who passed a month ago.
Product: Mortgage

Wilmington Savings Funds Society owns my mortgage. They hired a mortgage servicer named XXXX XXXX XXXX XXXX ( XXXX ) to service my loan. Now XXXX have mismanaged my mortgage not applying payments correctly and now I have a delinquency notice even though I have made all payments, In addition my adjustable rate mortgage is adjusting upward approximately 1.5 % in XX/XX/2022. I have been informed Verbally of XXXX things. XXXX that I am not Delinquent and XXXX that my monthly mortgage payment will go down more than {$100.00} per month. I asked if my interest rate is increasing how can my monthly payment go down? They had no answer. I asked if the terms of the loan is being changed and was told no. Still the question is how my rate can increase and my monthly payment go down? My monthly payment can not go down if the terms of the loan don't change. Obviously Wilmington Savings Funds Society and XXXX are colluding to increase their interest profits by illegally changing the terms of the loan. My note terms can not change by contract. The only thing that is allowed to change is the interest rate. Illegal activity is taking place on my account by Wilmington Savings Funds Society by hiring such a corrupt and unethical company to service my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX Made on : XX/XX/2020 XXXX with : Transunion
Product: Debt collection

A collections account showed up for overdue XXXX bill once before. It was removed after explaining I have never had XXXX service and have never even lived in an area where I could get XXXX service. Now either the same or possibly different collections account for a XXXX service is showing on my credit report and score again. I will repeat that I have never signed up for XXXX service. My personal information has been leaked several different times including by the VA. My guess is that someone used my personal information to sign up for this service, also known as identity theft. Please remove this account from my credit report and also let the collection company know that they will not be able to collect on this fraudulent account. I would also ask that they do not resell the collections account so that I don't have to go through this a third time for the same fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER REVIEWING MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS WHICH I WAS UNAWARE OF. THOSE ACCOUNTS DOES NOT BELONG TO ME AND I WOULD LIKE A RE-INVESTIGATION INTO THOSE DEROGATORY ACCOUNTS,
Product: Mortgage

This complain is regarding the handling of insurance funds by mortgage company Mr Copper. 

Starting XXXX of 2020 we had to initiated an isurance claim due to water damage for property located at XXXX XXXX XXXX XXXX XXXX FL, XXXX As per their requirements checks from the insurance company were submitted to Mr Copper and since then it has been close to impossible to complete repairs as funds are not being returned ... 

I have gotten in the habit of having to call them directly on the phone just to get my claim moving within their system. I have been given conflicting information every time that I call and 0 solutions I habe had to take out a personal loan to cover expenses and repairs given the lack of transparency and diligent work from the insurance and claims department at Mr Copper. 

In the middle of a pandemic a multibillion dollar company like Mr Copper should not be so reckless with other peoples ' money as it may not be an issue for them but its life changing for individuals and families They have lost a check even after I have sent them prepaid overnight envolopes for them to return them to me I can only conclude that there must be some type of restrictions being placed on me, whether it is because of my heritage and background being XXXX or my name being XXXX .... 

Given their lack of proper responses I fell obligated to present this complain as it is obvios that they do not care one bit about their customers
Product: Debt collection

Debt from XXXX XXXX XXXX is not mine and it is charged off want this disputed off credit report
Product: Credit reporting or other personal consumer reports

I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!
Product: Credit reporting, credit repair services, or other personal consumer reports

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMSSED XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen XX/XX/2019. This same person has tried to open up several accounts in my name, resulting in credit inquiries from various companies. I contacted said companies about the fraudulent activity, and they closed the accounts. The companies also sent letters to all 3 credit bureaus to have the inquiries removed for fraud. I had inquiries from XXXX, XXXX XXXX, XXXX, and XXXX XXXX. Only XXXX  has removed the fraudulent inquiries. XXXX  and Equifax refuse to remove these inquiries even after disputing them, calling them, and sending them evidence that these inquiries were done under fraudulent circumstances. I will keep filing complaints and filing disputes until all of these fraudulent inquiries are removed from all 3 credit bureaus.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 



Open Account : 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

On XX/XX/18 I piad a {$1500.00} debt over the phone to the law offices of XXXX XXXX XXXX. 
My bank statement shows the same name and amount for the charge to my account On Wednesday XX/XX/18 someone attempted to sever a summons at my parents address in XXXX CA. My Father told him I do not live there and that I live in XXXX CA. The same person returned on Friday XX/XX/18. My father told him again I live in XXXX. The process serve left the papers on the porch and left. My father called to tell me about this. I went to get the papers and it is a Summons and that I am being sued by TD Bank. The legal firm is the same XXXX XXXX XXXX that I made my payment to on XX/XX/18. I have sent them 2 emails to the address on the paperwork. both were returned as bad email address. I sent them a email from the " contact us '' on their web site and have not had a reply. I have not called them because I want everything I writing from them.