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

On XX/XX/XXXX of this year, my daughter 's ( XXXX XXXX ) checking account was hacked. We were notified via an email from Wells Fargo. For the record, I have full access to my daughter 's accounts and can act on her behalf. 

XXXX transactions occurred within moments of each other : XXXX. A check for {$1800.00} was deposited into her account. 
XXXX. A XXXX transaction for the amount of {$1000.00} to an unknown recipient was done. 

On XXXX XXXX, XXXX the Wells Fargo Claims Assistance Center provided a resolution regarding the attempted, fraudulent check deposit. They concluded that the deposit was unauthorized and the amount of the deposit was debited without charges or losses to XXXX. 

On XXXX XXXX, XXXX the Wells Fargo Claims Assistance Center provided a resolution regarding the {$1000.00} XXXX transaction concluding that it was made through a secure online banking session. 

It flies in the face of logic that the XXXX transactions occurred within moments each other ; XXXX is deemed unauthorized and the other is deemed authorized. This is hardly surprising as Wells Fargo had multiple data breaches to include a data breach on XX/XX/XXXX where vast amounts of customers ' data was compromised. 

Since this time. We have contacted the Wells Fargo claims department in an attempt to reopen the claim. It is apparent that the people that receive that calls merely follow a script. Thusly, we had requested to speak to management. On XXXX occasion, we had scheduled a time and day to have manager call us. The date and time came to pass without them calling. Another attempt resulted in speaking to a manager, XXXX XXXX [ ( XXXX ) XXXX ]. He told us that he would reopen the claim and that it would take 72 hours. Equally, he stated that he would then contact us within the 72 hour timeframe. Additionally, he gave me his direct phone number. Nothing happened. I have made several attempts to reach XXXX XXXX and left several messages. 

It seems obvious that Wells Fargo has found method of mitigating financials losses due to their poor cybersecurity by declaring only those that would result in financial loss to them are authorized by the customer. Those that cost them nothing are deemed unauthorized.
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 confidentiality under 15 USC 1681. 

Account Name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account Number XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Two weeks ago, we started getting calls from Stellar Recovery from XXXX instructing us to call XXXX. When these calls come, no one is mentioned by name to call them back. We have not received any mailed past due bill regarding this fact. Back in 2008, we took a loan to pay off any outstanding bills-some of these were past due. Since this we have strived to make every payment on time. I have excellent credit scores. We have not called the number per warnings from other victims of this company. I was going to write them, but I do not have their address. I have already turned in a complaint to the FBI online. This seems like a scam to me. Please see what you can do and kindly give me a call at XXXX of a reply to this email. Thank you for your time and consideration ... XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against Equifax regarding their failure to initiate the dispute process for an issue I raised with them. On XX/XX/2024, I sent a certified dispute letter to Equifax at the following address : XXXX XXXX XXXX, XXXX, GA XXXX. 
According to the tracking information provided by the postal service, the letter was successfully delivered to the specified po box . Despite this confirmation, Equifax has not acknowledged receipt of my dispute letter nor have they initiated the dispute process as requested. The Tracking number is XXXX Enclosed with this letter, please find : 1. A copy of the dispute packet I sent to Equifax.

2. The tracking information confirming the delivery of my letter.

This lack of response from Equifax is causing significant frustration and potential harm to my financial standing, as the disputed information remains unresolved on my credit report. I request your assistance in ensuring that Equifax promptly addresses my dispute in accordance with the Fair Credit Reporting Act ( FCRA ). 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I received an alert from Experian that a collections account appeared on my credit report. I filed a dispute with Experian on XX/XX/XXXX that the account was not mine. I also contacted the collection agency and provided them with information that the account was not mine. On XX/XX/XXXX I received an update on my dispute from experience that confirmed the account was mine. I immediately called the collection agency and they confirmed with me that they had closed the account as not mine and had notified all three credit reporting agencies on XX/XX/XXXX that the account was to be pulled from my report. I reported to them that experience had closed my dispute after confirming, the account on XX/XX/XXXX with the collection agency. The collection agency confirmed that they did not receive any request to confirm the account from Experian and would not have been able to on XX/XX/XXXX as reported by experience as the account was closed. The information provided by the collection agency was confirmed with the other two credit reporting agencies of XXXX XXXX and XXXX That they had received the information on XX/XX/XXXX from the collection agency. I immediately called Experian and reported this information and was told that it takes XXXX hours to update information. I called back on XX/XX/XXXX and the information had not been updated yet and the item remained confirmed on my credit report. I was told to submit an additional dispute Which I did on XX/XX/XXXX. I have called back XXXX times and have been unable to get any updates on the status of the dispute or an acknowledgment of the information provided by the collection agency.
Product: Credit card

I consistently make on-time payments. I am confident about this. What baffles me is why this company is marking me late in some months, which shouldn't happen. As per XXXX XXXX, any billing errors must be rectified, or else they'll owe me {$1000.00} for each inaccurately reported account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, Account NO. XXXX, XX/XX/2011, Account Opened. XXXX XXXX XXXX, XXXX, WI XXXX. 
Has my account as reported to XXXX, as Revolving Charge Account. This account is not mine. It does not belong to me. All the credit bureaus : XXXX and XXXX has removed this account from my credit report. The address used by XXXX XXXX does not belong to me. Whatever address they have that allegedley conducted buisness is not my address. Company above appear on my credit report making inaccurate derogatory remarks in violation of the Fair Credit Reporting Act. Inaccurately reporting that I owe them. This company has failed to show, what item or service I owe them for. How or what item or service was purchased and not paid for. Who purchased the item or service under what name, address, telephone number, social security number, how was the item or service purchased via credit or debit card, cash, money order etc. or any other form of payment. I submit that this derogatory remark should and must be removed from my credit report based on the following : 1. above company has reported and has continued to report such derogatory remarks beyond the statue of limitation ; 2. above company has reported and has continued to report such derogatory remarks without a license to collect or operate in my current home state, my current address ; 3. above company has reported and has continued to report such derogatory remarks without having a signed and authorized document from me as doing business with them. Or hiring or soliciting their services or purchasing their products/items ; 4. above company has reported and has continued to report such derogatory remarks by purchasing a alleged debt I owed to another company or business/provider, without my consent ; 5. above company has reported and has continued to report such derogatory remarks by purchasing a alleged debt I owe as third party debt collection and is not the original company, buisness, provider of such item, service or product ; 6. above company has reported and has continued to report such derogatory remarks without notifying me at my address or by phone to make me aware of such debt. Thus failed to do so. It is respectfully submitted based on the above, that the above named company remove any and all derogatory remarks, comments, statements, reports, submissions to any reporting bureau or agency/company, and the credit reporting bureau : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I received a copy of my credit report and found the following items to be errors. Here as follows are items in error : 1. Creditor Name : XXXX XXXX : XX/XX/XXXX 2. Creditor Name : XXXX  XXXX Date : XX/XX/XXXX 3. Creditor Name : XXXX/XXXX Date : XX/XX/XXXX 4. Creditor Name : XXXX XXXX XXXX : XX/XX/XXXX 5. Creditor Name : XXXX-XXXX XXXX XXXX : XX/XX/XXXX 6. Creditor Name : XXXX XXXX XXXX XXXX XXXX Date : XXXX XXXX, XXXX 7. XXXX XXXX  XXXX   XXXX Date : XX/XX/XXXX Date : XX/XX/XXXX Please provide me with documentation verification that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am applying for a mortgage loan. My lender has pulled my credit 3 times. Each time XXXX  and XXXX  scores show up no problem. But My Equifax credit score is missing. Equifax says there's nothing wrong but the loan company can not access my Equifax score and therefore can not move forward with my application. I've called 9 times in the past 2 weeks. I've wasted hours talking to representatives and getting no solution.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit, highlighting significant issues with the platform. 
Despite using zelle numerous times and reporting discrepancies my financial institution and zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible. And that tracking these transactions was unfeasible. The CFPB 'S findings indicated that Zelle not only neglected to protect consumers but has also allowed repeat offenders to exploit the system. Leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

Back in XXXX of 2025 I filed for bankruptcy and a lot of this stuff is still on my report.
Product: Credit reporting or other personal consumer reports

I am a victim of fraud. I NEVER RECOGNIZED THIS ACCOUNTS. I sent letters for several times but I never receive any response for the XXXX bureaus. Please make an actions XXXX XXXX XXXX XXXX Account Number : XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX {$0.00} XXXX XXXX Account Number : XXXX XXXX {$0.00} XXXX XXXX  XXXX Account Number : XXXX XXXX {$0.00} XXXX XXXX Account Number : XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried Everything! 

I contacted Equifax directly via mail, via phone for the last ( 4 ) months. 

I was faced with a level of frustration, as there were language barriers ( calls being routed out of the US ), also Equifax put an investigation on Accounts, ( taking down my score ) and when I called the Rep did not understand. I tried writing both XXXX  and Equifax. to be clear, I simply requested removal of these per my circumstances outlined here in this complaint. 
I have ( 2 ) negative accounts showing open, ( XXXX  is the name of the ( 2 ) accounts showing collection status in my credit report. I have tirelessly written letters to the company and to Equifax to get these negative remarks removed. 

I was informed by Law Enforcement, that a Former Property Manager, where I lived, was XXXX XXXX XXXX XXXX that involved utilizing my social security number and personal information. Also my information may have been sold in the black market, I had to contact XXXX, and XXXX about fraudulent purchases. 

I have tried everything! 

The Accounts are : XXXX  {$1000.00} and XXXX  {$1300.00} These collections are showing a high impact on my credit score and credit report preventing me from moving forward with Employment and Education.

Please Help. Thank you for your services and expertise.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, my name is XXXX XXXX and I have been having problems with all XXXX credit bureaus in which it has been over XXXX days and they have failed to contact me back or reach out to me regarding some serious incorrectly reporting delinquencies on my credit report. I have attached all the following documentation with the XXXX complaints and am hoping the CFPB can help me in regarding to clearing this off my credit once and for all as after this I will look to pursue legal action as there is only so much more that I can do.
Product: Checking or savings account

I received a notice of my personal PIN for an debit card account at Branch Banking & Trust Co., XXXX, NC XXXX. 

I have NEVER been to XXXX, NC nor do I have any business with that corporation. 

I have tried to contact them by phone, but nobody answers their phone. 

I just want them to destroy any and all records in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to bring to your attention a violation of the Fair Credit Reporting Act ( FCRA ). Despite my request to close my credit card account, it appears that the account has not been closed and is still active. This is a serious violation of my rights under the FCRA and I expect immediate action to be taken to rectify this situation. 

This account has been closed since XXXX, I have prof of closing my account via text message through Goldman Sachs VIA APPLE. Not only have they violated a law but they have been illegal effecting my credit report and causing major damages to impact my score by causing this huge mistake! This should not have happened and is completely unacceptable. I know my rights as a consumer and this is just unjust.
Product: Debt collection

In XXXXXXXX XXXX XXXX I have a 'parked ' collection that was bought by XXXX XXXX. They are reporting this as a new account it is not a new account. This collection has been parked on my credit reports for 4 years now. This is not a new debt and under FRCA guidelines is not a new account. XXXX XXXX  was explained the debt was disputed and removed from my credit reports for other FCRA violation and they insist they can report this when ever they want.
Product: Vehicle loan or lease

I have an auto loan with Truist. During Covid I had payments deferred because I was unemployed. I was told that the payments would be added to the end of the loan. They deferred my payments but forgot to extend the maturity date. I called multiple times last year to try to resolve it but all the representatives told me to just keep making my regular payments. Now Truist is claiming that I am late on my payment because the loan matured and they want me to make a lump sum payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19applied online through experian, XXXX, and XXXX XXXX to freeze my credit report.  For an unknown (possibly technical) reason, I was not able to complete the online applications.  For experian specifically, I froze my account by phone, after online attempts were unsuccessful.  The last prompt from these credit companies stated that a PIN would be sent to me through the mail.  More than 2 weeks later, I have not received any PIN, correspondence, explanation, or any kind of communication from these 3 companies.  Freezing ones credit should not be a long drawn out process.  If a consumer is freezing their credit, it is pretty important and should be addressed in a reasonable amount of time.    If there was identity theft involved, I think 2 weeks is too long to wait to protect my information.  Where is my PIN?  Are my accounts truly frozen? Who knows.  These credit companies don't protect my information, and should be held accountable, more so than a pathetic $XXXX payout (hush-money) or 10-yr credit monitoring.
Product: Credit card or prepaid card

I mailed a dispute to the company this summer to dispute a charge. I was mailed a letter on XXXX XXXX, 2017 asking that I call about my request. I have called numerous times about my dispute this time. Each time I have called. I have been told that the company. Has no record of the letter being sent. Or any record of a dispute ever being received. I recently found the letter that I was sent. As verification that it was received.
Product: Debt collection

Was contacted back in XX/XX/XXXX asked for proof of debt from the company and it was never sent just a letter from the collection agency! Was contacted again in XX/XX/XXXX and asked for proof of debt and not proof just leered form debt collector! Debt hit my credit report XX/XX/XXXX and the company just sent proof of debt XX/XX/XXXX when I requested it 2 times and they failed to provide it to me until after it it my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Last year I was signed up with a debt consolidation group, XXXX XXXX. They had many of my credit cards enrolled including a discover card. I found in this year that they were not taking care of the consolidation as they were paid to do, they just took the money and ran. I found this out when I got a letter from Pressler, Felt & Warshaw ( PFW ) that they were suing me. At that time, I canceled the XXXX account and signed up with XXXX XXXX XXXX. I have spent HOURS trying to get PFW to speak with me, I have left numerous voicemails, sent multiple emails with no response. On XX/XX/XXXX I called the original debtor, XXXX card and they connected me with someone at PFW, XXXX  XXXX. He claimed to understand the situation and advised that he was going to request a letter from PWF advising they would be able to work the new debt consolidation program and halt further legal proceedings. He told me I would have this letter on XX/XX/year>. It is now XXXX and I do not have this letter. I emailed PFW multiple times in the past week with no response. I have tried calling multiple times and get no where as the people who answer can't talk to me and then send me to a line that puts me on hold for hours. I have reached out at least a dozen times with no response.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Credit reporting or other personal consumer reports

I am beyond frustrated to find a fraudulent inquiry on my credit report. This inquiry was NOT made by me, and I have no idea how it ended up there. Its clear this is an act of fraud, and its incredibly concerning to see this on my report.
Product: Credit reporting or other personal consumer reports

I looked at my report on XXXX and started noticing inquiries that were not mines. Ive tried several times reaching out to inform to my fraud alert and fraudulent activitys but no access these accounts ante not mines XXXX credit XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX  XX/XX/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 XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I have repeatedly reached out to this company through the app and by email and Ive requested all ties to them be severed. Im tired of dealing with them. They tell me that my account is closed and there is nothing to worry about and I keep getting messages, notifications and emails about a {$0.00} balance. Then I saw that it was reported to the credit bureau as a delinquent account which is untrue. If I owe {$0.00} then tell me how to pay them and close my account for good. This place is committing fraud and I would never ever recommend them to anyone. Please save yourself the headache and stress of dealing with them. Absolutely the biggest mistake getting signed up with them. They also trick you into signing up and they end up charging you the full yearly fee even though you say you only want a trial or month to month membership.