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

XX/XX/year> at XXXX I received a call from Wells Fargo Fraud Dept . They were calling because they saw suspicious activity on my husband and Is checking account. It was pay day, they had our checking account pulled up and read off the amount of her pay check that came in that day, they verifies a purchase I made the day before, and then they said they see XXXX XXXX setup XXXX XXXX  through our checking account and there is a {$15000.00} payout that XXXX XXXX was making on your account. I knew the balance for {$14000.00}. I am panicking. I tell them we did not authorize XXXX XXXX to make this withdrawal. He proceeds to tell me Wells Fargo had a security breach, leaked our personal information, that he was opening a federal case up, Wells Fargo is compromised and he would further assist me in securing our account. He told me to go to Wells Fargo, to withdraw our {$14000.00}. He had a secure bank account that he had me put it in at the ATM. He gave me the # of the new account and said we was over knighting my new secure checking account info to me. I did what he said. I sent into the bank. Withdrew {$14000.00}. The teller did not ask me a question. Then while I still had the guy on the phone, I deposited all the money in the ATM into the secure account that Wells Fargo was setting up for me. 

This entire time, I had texted my husband what was going on, for the most part. When I got off the phone with Wells Fargo Fraud Dept, I called my husband who is panicking and said, I am on my way to the bank right now. When he got to the bank, Wells Fargo said the Fraud Dept had not contacted me, there was no secure account. It was all a lie. He told them exactly what happened and said he disputes the transactions, tells them our money went to a fraudulent place, to put a hold on the transaction and investigate to get our funds back. Wells Fargo had my husband call to report this. Wells Fargo took all the details down and my husbands statement. My husband was at the bank within XXXX hr of the incident. The teller told my husband that she thought it was weird what I was doing but didnt ask any questions. Wells Fargo acted like they were opening a case to further investigate, and they were going to get back to us. 

We called them back that night, and every day of the next week asking for the status of the case. Come to find out they did not put a hold on the transaction. They said they did not investigate where it fraudulently went. They did not give us our money back. I filed a complaint with the bank. I got a call from the Complaint Dept and they said they stand on what they did and we were not getting our money back. They do not have an appeal process. The only thing left I could do was speak to the Complaint Dept Supervisor who told me the same thing, that they stand on the decision they made. They had no intention to put a hold on the transaction. They had no intention on investigating the scam that happened and who had our money fraudulently.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I purchased a formal dance dress. I paid express shipping for it to be here no later than XXXX XXXX. I did not receive it, or any explanation. I reached out to the company and could get a response. The event came and I had quickly purchased a dress from XXXX. 
I reached out to the company again, to cancel the item. No response. I filed a dispute with PayPal and requested my refund. They reached out to the seller and it was shipped a month later. As I said earlier I paid for express shipping. When I opened the package it smelled so bad. 
I have been a PayPal customer for years. Im not trying to scam anyone out of money. But I cant say the same about them! 
Please help me Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXXXXXX XXXX XXXX XXXX  Balance {$0.00}.
Product: Debt collection

Receivables Performance says I owe this debt from XXXX XXXX. This account was opened under Identity theft and fraud to me. They say it is connected to an address I never lived at in XXXX, FL. Date debt collection was opened with XXXX Credit Bureau on XX/XX/2020 for {$1200.00} and is also on XXXX XXXX. I ask for a fraud report packet to be mailed to me in early XXXX XXXXand as of today have not received it. So XXXX said I could go this route.
Product: Checking or savings account

There is a Legal Hold on my XXXX Account, and my funds are XXXX and they will not provide me with any additional information. I have filed an XXXX  report and following up with this CFPB report.
Product: Debt collection

In accordance with the Fair Credit Reporting Act XXXX  XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States that 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 which I don't convey to Portfolio Recovery 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

No consent is IDENTITY THEFT
Product: Credit reporting or other personal consumer reports

" I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update the account to PAID/NEVER Late and send me a copy of my updated credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ) is a federal law that protects consumers ' rights to access and correct their credit reports. The FCRA also sets rules for how credit reporting companies can collect and report information about consumers. 

In XX/XX/XXXX, the Consumer Financial Protection Bureau ( CFPB ) announced new rules that would require credit reporting companies to remove certain types of collections accounts from consumers ' credit reports after two years. The new rules went into effect on XX/XX/XXXX. 

Under the new rules, credit reporting companies must remove collections accounts that are : More than two years old Not disputed by the consumer Not listed as paid in full The new rules do not apply to collections accounts that are : Still within the statute of limitations for collection Involving bankruptcy For government debts, such as student loans or taxes If you have a collections account on your credit report that is more than two years old, you can request that it be removed. You can do this by contacting the credit reporting company directly or by filing a dispute with the CFPB. 

The new FCRA laws about collections older than 2 years are a major victory for consumers. These laws will help consumers improve their credit scores and access credit. They will also make it more difficult for credit reporting companies to keep inaccurate or outdated information on consumers ' credit reports. 

Here are some additional things to keep in mind about the new FCRA laws about collections older than 2 years : The new rules only apply to collections accounts that are reported on credit reports. If a collections account is not reported on your credit report, the new rules do not apply. 
The new rules do not apply to all collections accounts. The new rules only apply to collections accounts that are more than two years old, not disputed by the consumer, and not listed as paid in full.

If you have a collections account that is more than two years old, you can request that it be removed from your credit report. You can do this by contacting the credit reporting company directly or by filing a dispute with the CFPB
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts XXXX. XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report XXXX, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off and settled my accounts to be removed with XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Equifax is still reporting those accounts on my profile and have failed to respond to numerous attempts for letters for validation on the status of the accounts being removed. I have already spoken with both creditors the in the terms of having the items removed. Its in complete Violation of my rights according to the FDCPA. Specifically, they failed to validate a debt at my request, which is a FDCPA violation and they continued to report a disputed debt, another FCRA violation. Not only have you ignored my prior requests for validation of debt but they continue to report this debt to the credit bureaus causing damage to my character.
Product: Credit reporting or other personal consumer reports

I formally disputed several inaccurate accounts on my credit report due to suspected identity theft. The disputed accounts included XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Additionally, I identified multiple incorrect personal details, including names and addresses, that do not belong to me. 

Despite previous attempts to resolve these discrepancies, the accounts and erroneous personal information remained on my credit report. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I exercised my right to request verification and validation of these accounts. Specifically, I asked for documentation proving my authorization of the accounts, original contracts, payment histories, and evidence of the debt transfers. 

On XX/XX/2025, XXXX XXXX XXXX flagged my account as being in collections with a balance of {$170.00}, which I did not authorize. Additionally, an unauthorized hard inquiry was made by XXXX XXXX XXXX XXXX XXXX XXXXXXXX on my Experian credit file for an installment loan or new bank account. 

I have requested the removal of all unauthorized inquiries and fraudulent accounts and demanded a written response within 30 days, as the FCRA prescribes. I have provided the necessary documentation to support my dispute, including government-issued identification and proof of address. I am awaiting the resolution of this matter and the removal of all inaccuracies from my credit file.
Product: Credit reporting or other personal consumer reports

There are numerous instances of disobedience with mandated reporting criteria, thus the information in my report isn't accurate and comprehensive! Having said that, I dispute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to my credit report. 

Per 15 U.S.C 1681e 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 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Provide truthful information about accounts or other connections with a customer.

Provide accurate information about accounts or other interactions you have with customers.

C - Look at consumer complaints in a reasonable manner According to XXXX, you have to adhere to the Metro 2 compliance guidelines in order to file a legitimate report. 

Furthermore, " Any Deviation From These Standards Jeopardizes The Integrity of The Data, '' according to the XXXX. This implies that discrepancies in reporting claims have the potential to reduce information accuracy and have an impact on the accuracy of reports that are subject to federal regulation. 

I'm using my right to object to these erroneous and non-compliant items as a consequence. You will only demonstrate your lack of concern for my rights as a customer if you ignore my demand. Reporting information that hasn't been verified as ethical and compliant with certified reporting standards isn't fair. Once more, I contest these assertions and demand documentation of the appropriate reporting guidelines. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Transunion and XXXX are continuing to report incorrect information and it causing me damages. The account listed as XXXX XXXX Account XXXX XXXXXXXX this account has not been verified as belonging to me. There is no way this account has been verified because they have no access to my private financial information as it would be an extreme violation of my right or privacy. I demand this account be removed or we will have to go into civil litigation too resolve this matter.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told/informed Experian, XXXX, and XXXX to reinvestigate and or remove these accounts : 1. 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition to, the Credit Agencies stated everything was complete, accurate, and all the fraudulent items will be removed and or blocked in the 4 business days allowed with the law & in accordance to Consumer Law ( FCRA ) 15 U.S.C 605B & 15 U.S.C 1681 ; But the open date, date of last activity and much more is incorrect & fraudulent with these accounts on my Credit Bureau. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

In conclusion, I would like to use the following Consumer Laws ( FCRA ) to my benefit in regards to my situation of Identity Theft and fraudulent, inaccurate & unauthorized items on my Credit Profile. The selected laws are as follows : 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 ], 15 U.S.C 1692c, 15 U.S.C 1601, 15 U.S.C 605B, 15 U.S.C 1681a-2, & 15 U.S.C 1681n.
Product: Mortgage

As per previous filed complaint XXXX they are reporting delinquency in past and adding comments again even though they said they would not any more. I have made all agreed payments and am now only owing this months payment yet. Again I have paid all payments as agreed and they are reporting incorrectly again ...
Product: Credit reporting, credit repair services, or other personal consumer reports

i have sent multiple letter to this creditor pointing out the fact that they are reporting erroneous information to the credit bureaus, to experian they say i was " 150 days late '' o XX/XX/XXXX nad to XXXX  they say i was " late 120 days ''. They claim i have made payments of {$9.00} on this account on XXXX, XXXX and XXXX of XXXX and i have not, this account has been closed since XXXX. They are not reporting any information for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, also another company is attempting to collect on this alleged debt on their behalf, and as i have read if another company is attempting to collect a debt then the original creditor can NOT report a past due or a balance on your credit report.i am not having a fair and accurate credit and is harming my possibility to obtain financing.
Product: Checking or savings account

On XX/XX/year>, I attempted to transfer funds in the amount of {$80.00} from my XXXX XXXX  to my Chime checking account. I used the transfer option on the chime app that is labeled " pay anyone '' I selected the option to take the funds from my cash app card and send it to my Chime tag. 
As I was typing in my Chime tag, the predictive text completed my tag and I clicked the option to send. I noticed that the funds were not immediately available, but I was aware it could take a day or two to process. After several days passed and I still did not see my funds, I decided to contact Chime. I told them exactly what I have reported here. They said that I sent the funds to someone else. This someone else has the exact same name as me and added a dash and the number one to the end of the name. Therefore, without realizing it, I sent my money to some stranger with an identical name and very similar Chime tag.

Since I let the predictive text complete my form, my money is now gone.

Upon speaking with two different Chime representatives, I was able to only file a dispute. I have just received the denial of that dispute. So now my money really is just gone.
Product: Credit card or prepaid card

I have returned an item back to XXXX back in XXXX but then XXXX charged my capital one credit card again for XXXX dollars on XX/XX/2022 so I disputed the charge with capital one but then capital one charged my credit card again for XXXX dollars claiming that XXXX gave me a credit for that dispute which is WRONG. I did NOT receive a credit for XXXX dollars from XXXX for this dispute. The credit that XXXX gave me was for a different item from a different order which I also returned back to XXXX so that credit of XXXX dollars from XXXX is for a different item returned back and has nothing to do with this dispute so capital one needs to reverse the charge of XXXX dollars that they charged me on XX/XX/2022 My dispute for the XXXX dollars should still stay open and I should still get this dispute resolved to my favor because the item was returned back to XXXX as shown in the tracking number that I am attaching to this complaint and I will also attach the other item that XXXX gave a refund of XXXX dollars which is completely different item and order and has nothing to do with this dispute Capital one should have never charged me back for this dispute because I did not get any credits from XXXX for this dispute Capital one dispute case number XXXX The dispute for XXXX is for a XXXX XXXX Shoes And the credit given by XXXX is for a different returned item which is a XXXX XXXX  so these are completely different orders and returns and have nothing to do with each other
Product: Debt collection

A few months back I sent out a debt validation letter and this collection was removed from my report and now it is back it keeps getting removed and added back with different debt collectors. This is not my debt and I ask that it be removed and not put back on my credit report.
Product: Mortgage

Fourth Attempt to file a complaint against Wells Fargo as my lawyer was ghosted. Loan origination in XX/XX/XXXX. 

Wells Fargo only disclosed half of a years worth of property taxes despite the title company specifying every six months in the certification sent to Wells Fargo. Because of this our mortgage has increased {$500.00} per month since loan closing due to escrow analysis. This will continue to increase outside of anyone 's control due to county changes which we were factoring in when buying at the original amount disclosed to us - however, that " cushion '' is lost due to the error of only disclosing six months of property taxes. 

Other items during loan origination that were unlawful/unethical include - Lack of ability to get in contact with my Loan Processor causing Loan Estimate to Expire ( I attempted to get in contact with her several times prior to her attempting to reach out to me ), Unlocking of and increasing of interest rate ( including the addition of .25 % discount point ) that was locked in during first call with the Loan Originator through XX/XX/XXXX ( after closing date of XX/XX/XXXX ). Addition of fees exceeding appropriate tolerance as stated in TRID guidelines- of either that they need to be originally disclosed or a new disclosure needs to be sent within 3 days, however, on XX/XX/XXXX ( on my 7 day Closing Disclosure ) is when an additional fee of {$190.00} was added on my title services.
Product: Credit reporting, credit repair services, or other personal consumer reports

all 3 cr burs are coming up with wrong info on me, there are no public records of debt, medical debt the creditor did not ans insurance co inquiry and i am not paying it so these need to be corrected, XXXX XXXX notify them that the debt was paid,