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

This is a follow up on XXXX complaints I filed with you, XXXX # XXXX and XXXX. On XX/XX/XXXX, XXXX from Citi XXXX XXXX XXXX called me. He told me to go to a local branch and fill out a W-9 and upon certification of the W-9, I would get the remainder of the bonus owed to me, {$200.00}. With his instructions, I went to Citi branch near me on XX/XX/XXXX and resubmitted the W-9 ( their claim of not having my W-9 was false. The branch manager found the one I filled out on XX/XX/XXXX when I opened my account ). On XX/XX/XXXX, XXXX from XXXX XXXX XXXX called and said that they received the certified W-9 but will not pay the {$200.00}. Their reason of " {$10000.00} of {$25000.00} is from Citi funds '' is a false statement. Attached are my four receipts of all {$25000.00} deposit that shows funds from non-Citi accounts, {$10000.00} from XXXX XXXX XXXX on XX/XX/XXXX, {$5000.00} from XXXX XXXXXXXX on XX/XX/XXXX, {$5000.00} from XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, and {$5000.00} from SXXXX XXXX XXXX XXXXXX/XX/XXXX. I made XXXX from XXXX XXXX XXXX on XX/XX/XXXX, and with that he told me he would pay the {$200.00} after the W-9 was certified. This {$200.00} bonus was due by XX/XX/XXXX. This is long overdue and Citi XXXX XXXX XXXX is not keeping their promise.
Product: Debt collection

Ive had an ongoing issue with portfolio recovery as documented in previous complaints. This company continues to contact me demanding I confirm my personal information. Continues to demand payment threatening me with legal action and repeatedly in a very aggressive manner reporting to the credit bureaus to negatively influence my credit score and worthiness. Ive repeatedly told the callers to stop calling me Ive been very clear and direct with my request and the company ignores these requests.
Product: Debt collection

CRA is in violation of HIPPA aswell as several consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to getthe free annual report Equifax and was unable to answer the security questions because I did not recognize any of the accounts. Think I am a victim of the Equifax breech. Please help me I can not do anything to see my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY XXXX XXXX XXXX # XXXX the dates were XXXX. XXXX XXXX XXXX # XXXX the dates wereXXXX XXXX, MyXXXXXXXX XXXXXXXX XXXX XXXX # XXXX my income was affected due to the COVID-19 Pandemic shutdown. I am trying to move and this late mark is preventing me from moving into a new apartment and buying a new car. I was under the COVID-19 SHUTDOWN. The CARES Act calls these agreementsaccommodations.
Product: Credit reporting or other personal consumer reports

TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXXXX Violation of FCRA 611, Debt Collection Harassment, and Sharing of Information with XXXX XXXX XXXX XXXX to 15 U.S.C. Sections 1692d, 1692i, and 1692c Dear Transunion, I am writing to address a matter of significant concern regarding the accounts that I have reported as fraudulent to the Federal Trade Commission ( FTC ) and subsequently requested investigation under FCRA 611 ( 15 U.S.C. 1681I ). It has come to my attention that there are discrepancies in the handling of these accounts, which directly violate the rights guaranteed under this section of the Fair Credit Reporting Act.

Not only has there been a failure to comply with FCRA 611 in rectifying these accounts, but I have also noted the absence of any proof of verified accounts in the documentation provided. The utilization of the e-OSCAR system, without providing tangible evidence or verification of the reported accounts, raises further concerns regarding the legitimacy and accuracy of the reported information.

Additionally, I am deeply troubled by the actions of debt collectors associated with XXXX XXXX XXXX XXXX, who have been incessantly contacting me using my current information, amounting to approximately 15 calls daily. This relentless and harassing behavior violates the protections afforded to consumers under 15 U.S.C. Sections 1692d, 1692i, and 1692c of the Fair Debt Collection Practices Act ( FDCPA ). 



Moreover, it has come to my attention that the information shared through credit bureaus like Transunion has potentially facilitated this harassment by providing my current contact details to debt collectors. Such sharing of inaccurate or unverified information with XXXX XXXX XXXX XXXX, leading to their persistent and unwarranted contacts, is in direct contradiction to the requirements outlined in 15 U.S.C. Section 1681, which mandates accurate reporting by credit bureaus to prevent the dissemination of misleading or false data to debt collectors.

As per FCRA guidelines and the FDCPA, I am formally requesting : Immediate rectification and removal of the reported fraudulent accounts.

Tangible proof or verification of these accounts within five ( 5 ) days of your receipt of this correspondence. 

Cease and desist of any sharing of inaccurate or unverified information with XXXX XXXX XXXX XXXX. 

Immediate cessation of harassing calls by their associated debt collectors in line with FDCPA provisions. 



Please be advised that persistent contacts from XXXX XXXX XXXX XXXX based on false or unverified information reported through XXXX XXXX result in a violation of FCRA codes, potentially leading to an immediate payout of up to {$1000.00} due to contacting me on accounts deemed fraudulent. 



I urgently request your prompt attention to these matters and expect a comprehensive and lawful resolution as per the guidelines outlined in the FCRA and FDCPA.
Product: Mortgage

On XX/XX/2021 I applied for Home Equity Line of credit with PNC Bank on the banks website. I called on XXXX XXXX for a status update and was told that everything was received but it can take up to 60 days. Today is XX/XX/2021 and no updates. I did receive a call from a manger stating that the loan officer that was working on my application is no longer processing my request. Its been 78 days since my initial loan request. No where in PNC website does it state that HELOC are taking 60 days or longer to process. If I was provided with that information, I would went with a different financial institution. Today I was told because of Hurrricane IDA that the banks is waiting for another property preview. It shouldnt take over 2 months for a HELOC loan decision. Thats unacceptable and unfair. I have submitted all the stipulation right away. The last stipulation was a recent paystub which they requested because so much of time passed after I submitted that stipulation. Every time I called the bank says we are just waiting for underwriter review of the second property report. The storm came 2 months after a submitted the application.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


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 has violated my rights. 


I looked at my XXXX, Equifax XXXX XXXX credit report on XX/XX/2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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

on XXXX2021 i sent a certified mail to this agency to validate this debt, they failed to do so. 
violation under 15 USC 1692g. its been over 30 days and since i am the original creditor and i do not validate this debt or have any signed contract of my signature that this alleged debt in fact exists. I want this account to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect accounts were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified accounts without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and needs to be update in positive immediately : XXXX XXXX XXXX Balance Owed : {$630.00} XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$3100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

After getting a copy of my report that I ordered a credit report with XXXX XX/XX/2022, I called Experian since I saw some UNVERIFIABLE accounts on my personal profile. I discovered that there were LATE CLOSED accounts on my credit report DPT EDXXXXDEPARTMENT OF EDUCATIONXXXX XXXX DPT EDXXXXDEPARTMENT OF EDUCATION/XXXX XXXX DPT ED/XXXXDEPARTMENT OF EDUCATION/XXXX XXXXXXXX DPT EDXXXXDEPARTMENT OF EDUCATIONXXXX XXXX DPT ED/XXXXDEPARTMENT OF EDUCATIONXXXX XXXXXXXX DPT ED/XXXXDEPARTMENT OF EDUCATIONXXXX XXXX XXXX -these accounts do not belong to me. Ive never applied for a student loan and this fraudulent address XXXX XXXX XXXX XXXX XXXX CA XXXX This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

A copy of my Utility Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Experian not blocking these accounts are inadvertently resulting in me being extorted.
Product: Mortgage

Wells Fargo not allowing me to work out my Single Family Owner Occupied Home they have XXXX XXXX records with the assignment of Titles on numerous times. 

I am a XXXX XXXX XXXX divorced women caring for my XXXX yr old mother and my XXXX old daughter. We all XXXX in My home i 've purchased back in XXXX Closing Took place in my Kitchen table unknown to me. I was approached by a family member in XXXX who stated i should Take a Mortgage out with Wells Fargo XXXX who became a broker for them ) and they did it within XXXX it was unfortunate and was a Adjustable Rate for high risk person ( I had a good mortgage never late with previous co XXXX XXXX 'S XXXX gave me a BAD adjustable rate and recorded XXXX 

I Need to keep my single family XXXX XXXX home and HOPE they will provide me a XXXX XXXX. I have attended a XXXX party group affordable housing hud councilor which will help and guide me to modify mortgage
Product: Checking or savings account

we wrote a check for our real estate taxes, it was stolen out of the post office mail box, the payee and amount of check was changed.The check was cashed via mobile deposit at XXXX XXXX XXXX. On XX/XX/22 we signed an affidavit as to our claim with our bank PNC. Today is XX/XX/22 and we have no resolution or answer. This check was fraudulently made out to the amount of {$7800.00} and cashed! Some of the responses from PNC are as follows " keep checking your account to see if the money has been replaced '', '' your complaint has been escalated '' and " let me look into this and i'll get back to you ''. It's all a lot of stalling and XXXX when do I get the money that was stolen back? I have a XXXX filled with the names of people I have spoken with still no result!
Product: Credit card

i made my cc payment from my online checking account they rejected both payments and then reported me late to the credit agencies and then cancelled my card
Product: Mortgage

The complaints I have been having Wells Fargo get me the answers to are all coming in the mail and there are so many discrepancies as to what I have. What I have was all sent to me many years ago and I kept all of it. 
My computers, tablet and phones have all been hacked and there are many reasons Wells Fargo does n't want me to be able to upload any more documents that prove they have been causing a housing shortage, until the FED does a hike in interest rates and then they are going to kick the remaining people out of their homes without doing anything to help them. 
I see what they have done to my brother and now it has affected me personally. Due to their need to get these zombie homes back into the mainstream and sell them yet again, they need to stop me from providing further damaging information on them. 
PLEASE make sure all information you have is correct as I am also willing to provide the information that they were allowed to use false information. 
I will be following up with hard copies that I printed in advance as I thought something like this would happen. 
The foreclosure victims should be able to get at least fair market value for their houses if they are forced to sell.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 a personal credit, loans. XXXX XXXX XXXX {$470.00} XXXX. XXXX XXXX XXXX {$900.00} XXXX. XXXX XXXX XXXX {$1900.00} XXXXXXXX XXXX XXXX XXXX XXXX  {$620.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$1000.00} XXXX. XXXX XXXX {$1000.00} XXXX. XXXX XXXX XXXX {$7200.00} XXXX. XXXX {$5500.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am filing this CFPB complaint in pursuant to FCRA & 605B ( 15 USC & 1681c-2 ) that you, the Experian 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 a personal credit card opened at XXXXXXXX XXXX on XX/XX/XXXX, under the account # XXXX, a personal credit card, XXXX XXXXXXXX opened on XX/XX/XXXX, under acct # XXXX, XXXX XXXX a collections account opened XXXX XX/XX/XXXX, account # XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a listing of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned account 's, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> To Whom It May Concern, I am writing in response to a notice I received concerning an alleged debt. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide validation of this debt. Please provide the following information : A copy of the agreement or contract assigning the debt from the original creditor to your agency. 
The name and address of the original creditor. 
A detailed accounting of how the debt was calculated, including any fees or interest. 
Proof that you are legally authorized to collect on this debt in my state. 
Additionally, until this debt is validated and the requested documentation provided, I request that you cease all collection efforts and reporting of this debt to any credit reporting agencies. 

Please consider this letter a formal dispute of the debt and a request for validation. I expect a response within 30 days, as required by law. If you fail to provide the requested documentation within this timeframe, I will consider this matter closed, and you must notify any credit reporting agencies to remove any references to this debt from my credit profile. 

I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On [ XX/XX/2020 ], I received a notification from a debt collection agency informing me that my outstanding balance with Nissan had been sold to them. I was shocked and deeply disappointed to learn about this development, I immediately contacted the debt collection agency to inquire about the nature of the debt and was provided with limited information. Despite my repeated requests for clarification and documentation regarding the debt, I have yet to receive any concrete evidence that I owe the amount in question. 

I find it extremely concerning that Nissan would sell my debt to a third-party without any prior notice or explanation. As a valued customer, I believe that I am entitled to transparency and fair treatment in all my dealings with your company. The lack of communication and accountability in this matter is unacceptable and has caused me undue stress and XXXX.
Product: Money transfer, virtual currency, or money service

My friends XXXX page was hacked. Unfortunately, I found out a little too late after I had been scammed. This is what happened : Today, XX/XX/XXXX I was on XXXX and came across a friends page, XXXX XXXX, where she posted XXXX vehicles for sale. A XXXX XXXX XXXX for {$2000.00} and a XXXX truck XXXX for {$3500.00} for a total of {$5500.00} for both vehicles. Believing that is was legitimate, I immediately communicated with her via messenger. ( I have screen shots of this back and forth communication as proof. ) I secured the vehicles with an initial {$1500.00} deposit paid through my Wells Fargo XXXX payment method to XXXX XXXX  XXXX. A little later and still believing is was my known friend, the person told me that another person was paying the whole amount for both cars ( {$5500.00} ) and asked if I was still interested to pay the whole amount. I responded that I was willing to pay the whole amount to secure the cars ( the amount was refundable ) and I did. I sent through XXXX $ XXXX to the same number. I then asked for the address to go the following day ( XX/XX/XXXX ) to go see the cars. The address was sent. 
Soon after, through another friend on XXXX, I found out that XXXX XXXX account had been hacked into. It was all a scam. I immediately contacted my Wells Fargo bank and reported the scam and they filed a claim for the total amount I sent through both XXXX transactions ( {$5500.00} ).
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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Credit reporting, credit repair services, 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 : XXXX XXXX Account Number : XXXX has violated my rights. Account Name : XXXX XXXX Account # : XXXX has violated my rights. Account XXXX : XXXX Account # : XXXX has violated my rights. Account Name : XXXX XXXX XXXX  Account XXXX : XXXX has violated my rights. Account Name : XXXX XXXX XXXX Account # : XXXX has violated my rights. Account Name : XXXX XXXX Account # : XXXX has violated my rights. Account Name : XXXX XXXX XXXX Account # : XXXX has violated my rights. Account Name : XXXX XXXX XXXX XXXX Account # : XXXX has violated my rights. 15 USC 1681 Section 602 A. States I have the right to privacy. 15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 USC 1681s-2 ( A ) ( 1 ) a person shall not furnace any information relating to look at summer to any consumer reporting agency if the person knows or has a reasonable cause I believe that information is inaccurate.