23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX I got a text from Truist Fraud asking if I tried to use my card for {$400.00} at a XXXX in XXXX Fl. I texted back no then looked at my account online. There were three charges from XXXX on there. {$260.00} at XXXX {$50.00} at XXXX and {$48.00} at XXXX. I locked my card then called Truist to report the fraud. They changed my card number and said they would investigate. A few days later I got a letter saying my dispute was denied because they were chip card purchases. It had to be my card their chip cards are " unduplicateable ''. I live in XXXXXXXX XXXX, WV. I have copies of the receipts where I used my card twice that day around my house at XXXX and XXXX. XXXX is XXXX hours away. My card could not be in both places. I also got a Truist fraud message about someone trying to move {$1000.00} from my account with a XXXX account. And just last week I got another fraud alert from Truist even though I never used that new card. I switched banks after XX/XX/XXXX. It's obvious my account has been compromised not just the debit card, but they would not look into it any further.
Product: Debt collection

Diversified Consultants Inc., never reached out to me to notify me of any debts that I have with them or to notify me of credit reporting. I had no knowledge of their company until I recently checked my credit report, in which I immediately disputed. I asked for verification that they have the correct person, they could not provide me with documentation signed by me stating I owe, or would pay them any monies for the debt in which they are collecting on behalf of. They have n't sent me anything but a paper with an amount and my name and address. Upon receipt of that letter with my name, address, and amount, I sent the company a debt validation letter asking that they send me any and all proof that they used to verify the debt which would include contracts signed between their company and I, or any type of agreement signed by me from their company or that they remove the debt from my credit and stop incorrectly reporting any debts, they have done neither.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill it legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of the dispute information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnish, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed dispute items despite the evidence I have provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB is not providing any document bearing my signature, where XXXX XXXX proves with documents, that there was any individual responsibility from me ( which was never signed at all ). I do not agree CFPB closing the complaint without investigating properly, and asking for legal evidence for complaint XXXX-XXXX
Product: Credit reporting or other personal consumer reports

My personal information was compromised during a home burglary and used to open several fraudulent accounts without my knowledge ; while I was XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please Help. Thank you again! 

Accounts are as XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account # XXXX amount owed {$18000.00} XXXX  XXXX opened XX/XX/XXXX Account # XXXX amount owed {$420.00} XXXX  XXXX Opened XX/XX/XXXX Account # XXXX amount owed {$730.00}
Product: Credit reporting or other personal consumer reports

My rights as a consumer have been violated according to The Privacy Act of 1974. The items reported on my consumer report are in violation and have caused a hinderance to my consumer report, causing me to not obtain credit. In 5 USC 552 ( a ) it states : ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31. 

There is no reason that these accounts are reporting when I the Consumer, never gave ANY written permission to furnish ANY information. This must be removed immediately! 

Also, I chose to opt out of all authorizations that I had previously given each company. Never have I received a privacy notice from the company before furnishing data. I am now requesting that all data be removed that pertains to each company. 

12 CFR 1016.1 Purpose and scope. 
( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution to provide notice to customers about its privacy policies and practices ; ( 2 ) Describes the conditions under which a financial institution may disclose nonpublic personal information about consumers to nonaffiliated third parties ; and ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 1016.13, 1016.14, and 1016.15.

12 CFR 1016.4 Initial privacy notice to consumers required.

( a ) Initial notice requirement. You must provide a clear and conspicuous notice that accurately reflects your privacy policies and practices to : ( 1 ) Customer. An individual who becomes your customer, not later than when you establish a customer relationship, except as provided in paragraph ( e ) of this section; and ( 2 ) Consumer. A consumer, before you disclose any nonpublic personal information about the consumer to any nonaffiliated third party, 12 CFR 1016.7 Form of opt out notice to consumers ; opt out methods.

Section ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 1016.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right.
Product: Credit card or prepaid card

I applied and received a XXXX XXXX card from Capital One, I made my first payment of XXXX early so I didnt have to wait for the auto pay to kick in, but as it happened auto pay took out another XXXX Capital One refunded it on XX/XX/XXXX but then turned around and took it out again, I contacted them on this, they ask me to fax the info from my bank to them, I did so, they claim they didnt get it then they said they did and I would would receive a refund no later than Tuesday XX/XX/XXXX, thats today and no refund, so I contacted them again today they claim they never received it ( sure they did'nt ) so they gave me a link to e-mail it to them, i did so, they I contacted them and wouldn't you know it! they still havent received it. 
This is fraud!! CFPB I need you to investigate this and fine Cap One {>= $1,000,000} also i am reporting this to my attorney as well as the Texas Attorney Generals office for investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to contact and successfully submit dispute letters to Equifax and I have had credit repair services to reach out to the company, in efforts to have an inaccurate collection account removed. I have had both XXXX  and XXXX XXXX remove the account and update my credit reports. However, Equifax has not only not removed the account, but has not responded with an update and I am now at 45 days due. I have tracked my letters that I sent to them via certified mail. 



I have since sent another round of dispute letters with the tracking receipt to support my claims. Please help me with the investigation of my claims and disputed with XXXX.
Product: Prepaid card

My acct with Direct Express was frozen on XX/XX/XXXX due to fraud, my address, phone # was changed, somebody ordered a new card, I didn't find out till I went to the ATM to make a XXXX  then I started calling to see why my card didn't work, I called everyday & all day, some nights all night, it took me 11 days & hours of waiting for an agent to tell me what happened, I spent 2more days on the phone with 8 or 9 different ppl, not one of these told me that I needed a case # before they would even look at it, I finally asked for a supv. name is XXXX, he is the one that gave me case XXXX XXXXXXXX so I followed XXXX & I was told that when my ID was approved they would send me an email within 6 hrs, waited all day & next, I never got an email telling me anything, also I was told they fees would be waved on my new card, I was charged next-day shipping twice @ {$17.00} it took 5 days to get to me, I called & they can't explain why the difference in my XXXXXXXX XXXX XXXX, i still don't have my money & I'm on fixed income, it's cost me overdrafts because of auto payments from my acct, I should not have to pay for my ID stolen
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an account that all is reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have this accounts deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus. I have attached a highlighted picture with all of the inaccuracies highlighted.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my Surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$2200.00}. According to FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I requested a copy of my credit file on XX/XX/2024 and provided a copy of my social security card and a bank statement from XXXX XXXX XXXX XXXX. For some unknown reason, they refuse to send me a copy of my credit file.
Product: Debt collection

Dated back in XXXX For XXXX XXXX credited by care credit. 
The XXXX XXXX wasn't worthy of the debt. I've had several XXXX and XXXX XXXX. 
PRA threatened to seize my assets or put a lean on my bank account if not payed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Unknown - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXInquiry XXXX XXXXInquiry XXXXInquiry XXXX XXXX XXXX XXXXXXXXInquiry XXXX XXXX NAInquiry XXXX XXXX XXXXInquiry XXXXInquiry XXXX XXXXInquiry XXXX XXXXInquiry XXXX XXXXInquiry XXXXInquiry XXXXXXXXInquiry XXXX XXXXLInquiry XXXX XXXXInquiry XXXXInquiry XXXXInquiry XXXX XXXXInquiry XXXX XXXX XXXXInquiry XXXXInquiry XXXX XXXXInquiry XXXXInquiry XXXX XXXXInquiry XXXX XXXX XXXX - IncorrectPersonal XXXX XXXX XXXX - IncorrectPersonal XXXX XXXX XXXX XXXX - IncorrectPersonal XXXX XXXX XXXX - IncorrectPersonal XXXX XXXX XXXX XXXX - IncorrectPersonal XXXX - IncorrectPersonal XXXX XXXX XXXX - IncorrectPersonal XXXX XXXX XXXX - Incorrect Personal XXXX A XXXX - Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

Neiman Marcus ( NM ) has disabled my log-in access for no explainable reason, my account was not past due or over the credit limit. They : A ) only provided an XXXX # ( which wo n't work for XXXX XXXX ). When I was able get an non XXXX number the account was several days ( 10 ) past due.  They now are trying to charge me an amount equal to the payment as a " past due fee ''. 

B ) NM wants to record the call, but will not let the consumer also record the card. They said they would let my account go 30 days past due unless I complied with one-way recording, meaning they can record me, but I can not record them. If I did n't agree, they would hang up. 

C ) NM 1st attempted to tell me my account was locked due to " my new email or a problem with my cell phone '' and not being able to send a verification pin. I informed them I had received an email at this account just today ( XX/XX/XXXX ) to tell me account was now past due. When I told them neither my cell number or email address were new and that I had held both my email account- and the cell phone number - they have on record since XX/XX/XXXX, they then stated ( admitted ) to me that my account was locked due to a new system they had set up in the past 30 days that was not properly coded/set up to send emails to all email addresses, including a problem with my " XXXX '' account that I have used for the past 10+ years - and that I have had used with this online NM account since it was opened! NM then demanded that I establish a NEW email account with a new email provider and that I manage and monitor this new email account if I wanted to do business with them and not have my account locked, or have my payments be late, which would incur additional late fees.
Product: Mortgage

On XX/XX/XXXX I made a one time payment to cover XXXX XXXX and XXXX. Well because my payment had gone up because of escrow I did not have enough to cover all 3 months. Icalled them on XX/XX/XXXX and spoke with someone to pay the difference. They had put the extra amount in escrow. I asked him to reverse the payment and I paid the difference of {$96.00} and some change on XX/XX/XXXX. He told me it would take up to 2 weeks. I said okay I will check back then. When i called back on XX/XX/XXXX the payment still wasn't reversed. I was placed in a forbearance because of covid and they maid the forbearance start from XX/XX/XXXX. Now they are saying that I am late on the forebearance for XXXX. They were suppose tp reverse the XXXX dollars and take the XXXX dollars and make my XXXX payment. They did not do that. I need them to fix it now.
Product: Credit reporting or other personal consumer reports

I kindly request the removal of this account from my credit report as it does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted agency no information matched mine. XXXX stated it was attached to an address that is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed the attached Experian Dispute Letter dated XX/XX/2020 to Experian, which was date stamped on XX/XX/2020 by them. In that attachment, I specifically listed the inaccuracies and/or incomplete ( blank ) information, and requseted the points of contact information they claimed to have used ( Data Furnishers ) that used a Metro 2 format ( Record Layout ) to verify the information on my credit report as being accurate. In addition, I identified the late payments displayed on my credit report, as I have NEVER been late on any of the accounts listed in the attached dispute lettre ( XXXX XXXX XXXX XXXX ( Individual or Joint ) or XXXX/XXXX XXXX ), and those accounts displays inaccurate account numbers, which the burden of proof is on the credit bureaus. I find it very disturbing, appalling, and disrespectful that the identifiable accounts have been ignored as I received vague responses and stall tactics from Experian dated XX/XX/2020 neglecting to report verifiable and accurate informatoin.
Product: Debt collection

This was not sent in error. I am a consumer by law and my information was misused and now I have false not 100 % accurate accounts on my credit report. There has been unauthorized used of my information and credit report. 


JPMCB CARD Bal. {$0.00} Acct # : XXXX
Product: Mortgage

On XX/XX/2019, XXXX issued a Notice of Intent to Foreclose for my property, despite the fact that I submitted an application for mortgage assistance on XX/XX/2019. My application, submitted to the identified email address within the XXXX website, remains unacknowledged. XXXX has circumvented their responsibility to me, the borrower, by ignoring my request for assistance, and has proceeded directly to a notice of Intent to Foreclose. This is illegal, isn't it? 

Email submission including Application for Mortgage Assistance attached. 
Notice of Intent to Foreclose attached.
Product: Checking or savings account

I received a call from Wells Fargo XX/XX/XXXX saying there was suspicious charges on my debit card. I went through the charges with the rep, and we shut down my debit card and issued a replacement new card to be delivered by XXXX on XX/XX/XXXX. I never received this card, but it was used on XX/XX/XXXX at a Wells Fargo ATM to move {$3000.00} from my savings to checking. They also increased my withdrawal amount from {$500.00} to {$2000.00} and were successful in taking {$3000.00} from me illegally. Wells Fargo called again to notify me of suspicious activity and I confirmed it was not me making these transactions, my card was shut down for the second time, and I changed my username and password for my online banking account, and changed my account numbers. I also filed a fraud claim with Wells Fargo and a police report with my local department. On XX/XX/XXXX I was notified by Wells Fargo that my fraud claim was resolved without evidence of suspicious activity. On the same day I reopened my claim, confirming once again I did not make these transactions on my account. 

On XXXX I was notified by Wells Fargo that my fraud claim was resolved without evidence of suspicious activity. On the same day, I called to reopen the claim but was told that I could no longer reopen my claim. I was also told that it would take 30 days to receive written details as to why my claim was denied. A Wells Fargo representative also told me my only option would be to visit where I was originally defrauded ( which was at Wells Fargo branch ) to have them submit a claim on my behalf to restart the entire claims process. I then called the branch to confirm this information and was told all they can do is call the same fraud department, but would not be able to assist further in gaining information regarding my claim investigation OR retrieve the funds lost from my checking account.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint and address a matter of utmost importance concerning the rejection of my dispute due to a missing address on my FTC report. This issue not only violates the Fair Credit Reporting Act ( FCRA ) but also raises concerns related to the Fair Debt Collection Practices Act ( FDCPA ). 

Issue : I have been diligently working to rectify inaccuracies on my credit report, specifically regarding the [ XXXX Account ]. In my recent dispute submission, XXXX rejected my dispute due to a purported missing address on my FTC report. This rejection not only undermines my rights under the FCRA but also raises concerns regarding the handling of my dispute, which falls under the purview of the FDCPA. 

Updated Information : I have taken immediate action to address the missing address concern on my FTC report, ensuring that it now reflects my current and accurate address information. 

Request for Reconsideration : I hereby request that XXXX reconsider my dispute, taking into account the updated information on my FTC report. I urge XXXX to conduct a thorough and fair investigation into the inaccuracies associated with the [ XXXX Account ]. The FCRA obligates credit reporting agencies to promptly correct inaccuracies and conduct reasonable investigations into consumer disputes. 


I want to emphasize that this issue extends beyond mere inaccuracy on my credit report. It involves a potential violation of my rights under the FCRA, which was enacted to protect consumers like myself from the consequences of erroneous credit reporting. Additionally, I have concerns about compliance with the FDCPA in the handling of my dispute.
Product: Money transfer, virtual currency, or money service

Hi, so my friend XXXX XXXX posted story saying make XXXX out of $ XXXXmy friend is my high school friend, who i know dince year XXXX so I chatted him & he confirmed the whole thing was legit.We dont talk much except casual conversation on instagram.his profile was also compromised & i had no clue until Monday XX/XX/XXXX. I keep saying i have bad feeling & chatting my friend ( compromised account ) but he is like no its legit. 

So the scammer goes by XXXX XXXX, full name XXXX XXXX asked for {$500.00}. We had our conversation through XXXX.send her money through XXXX, then she asked for {$1000.00} for pin. Then {$700.00}, then {$800.00} & then {$1600.00} XX/XX/XXXX. It started Friday evening. 

I even contacted another person who confirmed that XXXX XXXX was legit.They all blocked me but I have all the screenshots, XXXX XXXXas much information i can get.so on monday XX/XX/XXXX evening once I figured it out it was fake i start demanding money & at last the scammer agreed that im getting nothing.Called me XXXX, XXXX etc. deleted last couple massages so i cant report the account to XXXX. 

Then I reached out to Chase ( my bank ) and they just emailed me this morning that they wont be able to do anything.Reported with XXXX and they said they wont be able to do anything besides reaching out to the other party 's bank. 

Think this account as an example in XXXX. maybe created by my scammer XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently needed to remove a security freeze to apply for credit. I just needed the freeze lifted by the end of XX/XX/XXXXand I planned on using the Equifax website. However, my profile was frozen for no discernible reason with the only visible prompt being a phone number. I called that number on Tuesday XX/XX/2020 and in spite of verifying my identity, the company refused to permit me to change my own security freeze status. 

As a consequence, difficult financial circumstances are exacerbated because Equifax is unresponsive and leaves me unable to apply for new credit. It is now XX/XX/XXXX and after sending the requested documents to Equifax by fax ( there was no way of simply emailing and traditional mail would have been even slower ) I have yet to hear from them and am unable to access any loans or credit.