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

Subject : Urgent Request for Investigation and Expedited Resolution Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a matter of significant concern regarding my recent interactions with Wells Fargo. On XX/XX/2024, I formally requested from Wells Fargo Escalations Representatives the approved transactions within my claim. I was assured that these documents would be provided within 10 days, or at most within 20 days, as they are already documented. 

However, to my dismay, I recently received a letter from Wells Fargo stating that they will respond within 30 calendar days of XX/XX/2024. This abrupt change in timeline raises serious doubts in my mind about Wells Fargo 's transparency and their intentions to fulfill my request promptly. 

I fear that Wells Fargo may be attempting to conceal documentation by delaying the provision of information crucial to my claim. As such, I am seeking urgent intervention from the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter thoroughly and expedite the resolution of my request as soon as possible. 

It is imperative that Wells Fargo upholds its commitment to transparency and provides me with the necessary documentation without further delay. Your swift attention to this matter is greatly appreciated, as it directly impacts my ability to address unresolved issues and seek appropriate recourse. 

Thank you for your prompt action in this regard. I eagerly await your response and the resolution of this troubling situation. 

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

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax, & let them know that when I check my XXXX APP, my Fico score, it has negative or derogatory information when I check my Fico score, about bankruptcies and public record and collections that doesnt apply to me, is not mind, I them to remove from my credit report or file, Equifax said it is not on my file, I will try up load this information, please help me this issue, Thanks
Product: Money transfer, virtual currency, or money service

Following a transfer of XXXX to my Bitstamp account on XX/XX/2025, I discovered that I was unable to withdraw the asset due to a block placed on my account. The reason for this restriction was not specified. I was informed that the only solution was to schedule a conversation with customer service and comply with their identity verification requirements. 

Despite completing this process, my account remains locked XXXX days after the conversation. When I call customer service, I receive vague responses and promises of follow-up emails that are never sent. 

I request your intervention to help me recover my funds and close my account. My account number is XXXX.
Product: Checking or savings account

Chase Bank and I had a misunderstanding, which I called and explained RIGHT away once I realized it. I was packing to move and found XXXX cards that must have tightly closed again because they were in a box underneath heavy items. 

I tried to deposit the check because I had no idea if I had done so already or not since the card was closed. 

I realized it was a mistake and notified Chase immediately. NONE of the funds were deposited into my account as Chase put a hold on the deposits. They claim the money was deposited, which is why they refuse to let me take MY $ XXXX funds out of my Chase Checking Account that is MY money. 

Chase apparently required " documentation '' ( although I was not told this until about a week ago and, mind you, this happened months ago. I called every day basically and no one would respond to me. 

I can not open my app for statements because Chase shut down my online app without notifying me. 

See attachments. 

This is a shady bank, in my opinion.
Product: Credit reporting or other personal consumer reports

Hi Equifax, I don't know what is going today I am checking my credit report again and still see those fraud inquiries that shall be deleted from my credit report. 
I spoke with the fraud team and they told me I have the right to request those fraud inquiries below for deletion. 


XXXX XXXX, INQUIRY DATE : XX/XX/year> XXXX XXXX, INQUIRY DATE : XX/XX/year> XXXX XXXX XXXX XXXX, INQUIRY DATE : XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. XXXX attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed XXXX {$1600.00} ; XXXX XXXX Balance Owed : {$12000.00} ; XXXX XXXX Balance Owed : {$65.00} ; XXXX XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX have made getting a free, online credit report more difficult in recent years. After entering all required information to receive my report, I invariably get a message that I must contact customer service for my report. However, I can contact them only during limited weekday hours, and my calls seldom get through after long wait times. XXXX all but compels consumers to ask for paper copies of credit reports, because they no longer allow me to receive and download digital copies. Getting my free credit reports from these two agencies was not a problem prior to 2018, but they now require consumers to jump through multiple hoops to get what was previously easy to obtain. Enough!
Product: Credit reporting, credit repair services, or other personal consumer reports

I initiated a credit investigation with Equifax and XXXX XXXX back in XX/XX/XXXX. We're now into XX/XX/XXXX, and I have yet to receive the results. I was supposed to have them inside of 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report due to a hit by MIRAMED REVENUE GROUP. I have never received a validation of debt nor notification of this supposed debt. I also have never lived in SC where the hospital is located. This is a violation of FCRA & FDCPA. This needs to be removed due to failure of notifying the consumer of a debt collection.
Product: Credit reporting or other personal consumer reports

I was looking over my credit report and found two accounts that don't belong to me XXXX account for {$1600.00} date open XX/XX/2023 and XXXXXXXX XXXX XXXX for {$250.00} date opened XX/XX/2023 debt buyer is XXXX XXXX .according to the 15 usc 1681 law, there should not be any damages on my report is a defamation to my character.
Product: Debt collection

On XX/XX/2019 I I received a letter in the mail from national enterprises systems for a debt from XXXX for {$1700.00} I try to contact the collection agency waited online for one hour when the person came to the phone Ive tried to let them know that the account was not mine and they hung up in my face instead of trying to contact them again I got online with the help deck For XXXX XXXX and was referred to XXXX website to file a personal dispute
Product: Credit reporting or other personal consumer reports

FCRA 605B appears to necessitate the removal of any incorrect accounts from my credit report. Would you be able to double-check the documents? There seem to be inaccuracies in the reporting of certain listed accounts.
Product: Credit card or prepaid card

I called Citibank regarding my credit card ending with XXXX. It has been closed for quite some time due to Fraud and I was forced to pay this balance off which I have been for years. I recently paid my last payment on XX/XX/XXXX, and since we are in the COVID-19 pandemic, my salary was reduced and I called Citibank customer service XXXX, and spoke to XXXX who offered me a two month deferment, no increase in the APR or any late fees. She set me up and said that she would transfer me to the RVR to complete the process. Then she sent me to silence, then back to the automated system where I spoke to another CSR named XXXX, who was very unhelpful and started to get rude, I asked for a manager or supervisor, and she replied with " Im so sorry we cant help you at this time '' I asked once more for her manager and she said the same response and then hung up on me. Im going to file Bankruptcy if this can not be resolved since they have been very unhelpful in the past, and would not remove a {$700.00} charge that was fraud although I fought with them for years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is refusing to accept my documentation of proof of identification I sent on XX/XX/2021. I have many communication with Equifax over pass year. Now Equifax want to send to send me a letter. After I have place a dispute requesting Proof of Bankruptcy not from a third party, because the bankruptcy courts informed me that they do not actual report to any credit bureaus.
Product: Checking or savings account

Good Afternoon! 

address PER REQUEST I received a check from my XXXX in XX/XX/20. 
payer 's name XXXX check XXXX amount XXXX I remotely deposited on XX/XX/20. called their account. here comes XX/XX/20 my bank chase took XXXX back said it was a returned check ( bad check ). I called so many times to the back and keep bouncing around from customer service to claims and claims to customer service/ b/c no one know how to check the image of the check or see what happened. customer service put me on hold for 3 hrs and then another 3 hrs to speaks to someone in claims and then line drops. I and my XXXX went into chase bank. spoke to a banker clarify that check was clear from my XXXX 'XXXX bank and nothing was credit to my clients bank nor my bank. no one knows where my funds are. I am a XXXX XXXX XXXX patient and chase bank is making me cry every day and going through XXXX and XXXX. I would like to file law suit against chase. please assist.
Product: Bank account or service

On XX/XX/2016 I noticed my debit card was lost. I called Bank Of America immediately checked my balance and it was off. I spoke to the fraud department and filed a claim for XXXX transactions for the amout of {$500.00} each which equals to {$1000.00}. The transactions were made from a XXXX XXXX ATM on XX/XX/2016 @ XXXX XXXX. My claim was denied even after i had filed a police report on XX/XX/2016 with the city of santa fe police department. I reopen the case on XX/XX/2016 at XXXX and was denied again. I tried all i can to speak to them about the claim and they tell me that unfortunately they are not the ones working on the claim but will put notes for the individual working on my claim. I asked multiple times if the person working on my claim can please give me a call back which i never received. I did speak to several supervisors and all would tell me the same thing that since it was not a Bank Of America ATM they have no rights to view footage. They told me i had to get that done on my own so I went to the XXXX XXXX where the ATM was at and spoke to several bankers and managers they did me the favor by contacting their fraud department which they could n't do that for me I had to have a subpoena in order to view the footage from ATM. they told me that was strange that BOA should of taken care of it, they can also view footage with subpoena each bank have their own lawyers. Well, i was running up and down calling places, I have invested a lot of time in this whole mess, i had sleepless nights and just overwhelmed overall. My account was closed by them due to it was on the Negative {$76.00}. I had kept the account open due to they said i had to remain my account open since there was a claim. I was very upset with their service i took the money i had left over. Over time the monthly fees accumulated and so did Overdraft fees which was what caused me to go negative. I feel that all my rights as a BOA consumer have been violated. Claim Number is XXXX My account number is XXXX
Product: Credit reporting or other personal consumer reports

I submitted a Method of Verification request in accordance with FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and FCRA 611 ( a ) ( 7 ) via CFPB # XXXX on XX/XX/XXXX and as of today have not received any information accordance with FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and FCRA 611 ( a ) ( 7 ).

I should have received the results I requested within 15 Days from Equifax and it could mean I collect {$1000.00} due to the violation because It has exceeded the 15 Days, I submitted the XXXX request on XX/XX/XXXX and todays date is XX/XX/XXXX and I have yet to receive any information from Equifax that even remotely resembles what is required in accordance with FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) /FCRA 611 ( a ) ( 7 ). 

I disputed initially via CFPB # XXXX on XX/XX/XXXX and Equifax sent me the results via CFPB on XX/XX/XXXX falsely stating the Trades listed below did not appear on my credit report but I consider Equifax is acting in BAD FAITH because I am a paid monthly subscriber to Equifax monitoring and as of today the accounts Equifax states do not appear on my credit report in actuality unforetunately are still reporting on my Equifax consumer report. 

The basis of my dispute was that my Privacy rights were being violated in accordance with FCRA 602 which states I have a right to privacy and FCRA 604 ( A ) which states a credit reporting agency can not furnish an account without my written instructions. 

Additionally, Equifax sent me another letter requesting my identification that I keep submitting over and over again and have uploaded my identification again in this complaint. 

I want the accounts removed or I may seek legal representation.
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 : 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 has violated my rights.

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

To Whom It May Be Concerned : I represent XXXX XXXX XXXX. Mr. XXXX is an asset to our company. We have granted Mr. XXXX an exclusive card that is not available to our normal customers. Mr. XXXX was treated unfairly upon the investigation of the fraudulent account ending in XXXX. Mr. XXXX is a severe victim of ID theft. As a world elite and preferred card member, Mr. XXXX has access to our bank fraud department intervening and resolving credit grantor disputes. According to the call with the Cap1 agent, XXXX ( { call id : XXXX, Dispute ID:XXXX, Date of Call : XX/XX/XXXX }, the agent confirms the account was closed for fraud on XX/XX/XXXX. He still says there is a fraud investigation that is opened on the account. To our knowledge, the consumer had received a confirmed letter in XXXX confirming fraud and the closure of the above referenced account. It is quite unfortunate that Cap1 took over 90 days to complete the investigation. I will be cc'ing the FTC and the XXXX  in regards to this matter. 

Respectfully Yours, XXXX XXXX, Office Of The President Executive Response Unit ( ERU ) XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

( XXXX true Identity theft ) Im a member of the equifax data breach & have filed my claims accordingly i have been attempting to clear credit report of these fraudulent items. 
My personal information was exposed in a data breach. i started receiving information not for me, i checked online & found out about the data breach i looked up my credit report i found inaccurate, false and fraudulent information that don't belong to me i contacted my local police made a report they also told me to make a report with FTC because of jurisdictions ive listed as many fraudulent accounts as i could thank you for your help Equifax : CONFIRMATION NUMBER : XXXX XXXX  Report Number : XXXX Report Number : XXXX Date Generated : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX XX/XX/XXXX {$3800.00} ( XXXX ) XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX XX/XX/XXXX {$3600.00} ( XXXX ) XXXX ACCOUNT NAME : XXXX  XXXX XXXX XXXX XX/XX/XXXX {$10000.00} ( XXXX ) XXXX ACCOUNT NAME : XXXX  XXXX XXXX XXXX XX/XX/XXXX {$1700.00} ( XXXX ) XXXX ACCOUNT NAME : XXXX XXXX XXXX XX/XX/XXXX {$670.00} ( XXXX ) XXXX ACCOUNT NAME : XXXX XXXX XXXX XX/XX/XXXX {$750.00} ( XXXX ) XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XX/XX/XXXX {$15000.00} ( XXXX ) XXXX ACCOUNT NAME : XXXX  XXXX {$13000.00} ( XXXX ) XXXX ACCOUNT NAME : XXXX  XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Product: Checking or savings account

ATTEMPTED TO USE AN IN-BRANCH ATM AT CHASE BANK ON XX/XX/XXXX TO WITHDRAW XXXX FROM MY CHASE CHECKING ACCOUNT. AFTER AN EXTENDED WAIT TIME, THE ATM MALFUNCTIONED AND PRINTED OUT A RECEIPT STATING " WE ARENT ABLE TO GIVE CASH RIGHT NOW ''. THE FUNDS WERE LISTED AS WITHDRAWN FROM MY ACCOUNT, BUT THE MONEY I WAS ATTEMPTING TO TAKE OUT OF THE ATM WAS NOT GIVEN. 
I NOTIFIED A BRANCH BANK TELLER, AND THEN CALLED THE PHONE NUMBER ON THE ATM RECEIPT AS REQUESTED. I PROVIDED THE REPRESENTATIVE WITH THE SEQUENCE NUMBER, TERMINAL ID # AND THE DATE AND TIME OF THE TRANSACTION. AFTER CLAIM WAS OPENED, THEY TOLD ME MY FUNDS WOULD BE DEPOSITED BACK TO MY ACCOUNT. 
ON XX/XX/XXXX, THEY DENIED MY CLAIM. AFTER FURTHER INVESTIGATION AND INQUIRY, I WAS TOLD THEY NEEDED THE ATM RECEIPT AND IF I WANTED THEM TO REOPEN THE CASE, TO UPLOAD THE RECEIPT. ON XX/XX/XXXX, THE RECEIPT WAS UPLOADED. NO RESPONSE RECEIVED BACK. 
THE BRANCH MANAGER OF THE CHASE BRANCH WAS CONTACTED, WHO CALLED INTO THE CLAIMS DEPARTMENT. STATED THAT THE ATM AND THE ENTIRE TRANSACTION IS REVIEWABLE ON CAMERA, AND THAT THE FOOTAGE WILL SHOW NO CASH WAS DISPENSED. 
I AM STILL WAITING ON CHASE TO REDEPOSIT MY MONEY DUE TO AN ERROR BY THEIR IN-BRANCH ATM. FURTHERMORE, I FIND IT UNACCEPTABLE THAT THEY REFUSE TO INVESTIGATE CLAIMS SUCH AS THIS UNLESS A RECEIPT FOR THE TRANSACTION IS PROVIDED. 
CAMERAS ARE NOT ONLY IN USE TO PROTECT THE BANK, BUT ALSO THE CONSUMER. IN LIEU OF MY RECEIPT, COULDNT THEY HAVE FIRST REVIEWED THE FOOTAGE? INSTEAD THEY DECLINED THE CLAIM BUT NEVER TOLD ME THEY NEEDED THE RECEIPT. ONCE I WAS TOLD THE RECEIPT WAS THE ISSUE, I HAD NO ISSUE UPLOADING IT - BUT NOW THEY ARE DRAGGING THEIR FEET ON PROVIDING AN APPROPRIATE RESOLUTION.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, Fl XXXX XX/XX/2024 Dear Experian and CFBP, It has been over 90 days since I made my initial dispute against the fraudulent accounts on my Experian credit report that are incomplete and inaccurate which are a violation 15 USC 1681e ( b ). 

You also violated 15 USC 1681s-2 ( a ) & ( b ). 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ) Any person who fails to fix this matter will be held liable under 15 USC 1681n which is civil liability for willful noncompliance. 

Accounts 1. XXXX XXXX XXXX  Account # XXXX, delete this account expeditiously because it directly violates 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ) 2. XXXX XXXX XXXX Account # XXXX delete this account expeditiously because it directly violates 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ) 3. XXXX  Account # XXXX delete this account expeditiously because it directly violates 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ) Furthermore, I want to formally report that my identity was compromised because of the well-documented XXXX data breach. Attached are my consumer credit report and the necessary documentation from XXXX confirming the theft of my personal information and their subsequent action to remove all fraudulent and inaccurate accounts from my credit report. I respectfully request that similar measures be taken by Experian and XXXX to ensure the accuracy and integrity of my credit information. This request is in alignment with the Fair Credit Reporting Act ( FCRA ), particularly Section 609 ( e ), which mandates that credit reporting agencies must take swift action to rectify inaccurate or fraudulent information resulting from identity theft. Furthermore, the precedent set in the case of [ relevant case law ], supports the immediate rectification of such errors to uphold consumer rights under federal law. '' Once you have deleted the accounts from my credit report, please send me a copy of my updated report. 
Thank you, XXXX XXXX XXXX XXXX
Product: Mortgage

My husband died on XXXX XXXX I get behind few payments and send to Forclosure on XXXX XXXX the Florida hardest hit pay to My mortgage company {$38000.00} to bring my account current but after they get the money they double my payments and fees from {$1400.00} to {$3200.00} I have proof of what I m saying I went to a court Forclosure day and the judge grant me a motion to compel because the mortgage company do n't want to cooperate with me and I ca n't afford an attorney, I 'm a head of the house my Daugther XXXX and XXXX veterans depends on me, I have proof the Green Tree take vantage of me and they denied to review my account or scrows, I applied for a loan modification and they denied with out letters and close my application for missing documents, lately they do n't want to give me any letter everything is with Phone calls the I make.I can make payments reasonable payments, they took {$38000.00} from a government agency and lie to me, I have documentation to prove. GreenbTree LLC my mortgage is XXXX XXXX XXXX died / XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX reported an account that doesn't belong to me on my credit report. I didn't have service with them at the time or the location.