23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like these accounts to be verified with acceptable proof that these accounts listed are indeed mines. If this proof can not be supplied, please remove these accounts. 

I would also like to receive the docs that were used to verify these accounts. 



I have sent several letters to the reporting agency with no prevail. When i sent these letters I will attach the letters I have sent. 

After the letters was sent I have not received an response from either bureau. 

I have sent several letters for accounts to be verified and validated with the credit bureaus. 

Not only have I not received a notification stating that they accounts would be looked into for their accuracy for reporting, For the following accounts : Account Name : Medical Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX ADJUST Account Number : XXXX Account Name : XXXX Account Number : XXXX I simply asked for these accounts to be verified as mines. 

This is over the course of 4-6 months.
Product: Credit card or prepaid card

I received a credit card offer from Discover Card. They lured me in with the PROMISE in writing for a XXXX month 0 interest rate.When I received the card, it was a lie. They stated in the advertisement that the card was guaranteed, upon approval, 0 interested for XXXX months. I was approved for XXXX and yet I only received XXXX months 0 interest, when I called them they said too bad. It was a classic bate and switch. I tried reasoning with them and was told too bad. I want the inquiry removed from my credit report. I work EXTREMELY hard to maintain a great score. They should NOT be allowed to bait and switch people.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX : Notice of Dispute XXXX XXXX XXXX XXXX XXXX XXXX, Office # XXXX XXXX, Texas XXXX Re : Notice of Data Breach and impact on credit report profile FTC Report number : XXXX Dear XXXX, I am writing to request a correction of the following information that appears on my XXXX, XXXX, XXXX, and all other consumer and background reporting agencies reporting due to the data breach of the data from XX/XX/XXXX until now : This has also been filed through the FTC complaint database per case number XXXX : XXXX XXXX - {$930.00} XXXX XXXX - {$4700.00} XXXX XXXX XXXX - {$4100.00} XXXX XXXX XXXX- {$4000.00} XXXX - {$3700.00} Dates associated with the items being disputed : From approximately XX/XX/XXXX until the present day This information is inaccurate and fraudulent as these accounts were opened unaware after the XXXX data breach. Also, I have also been denied gainful employment because of the reporting of my background/financial/credit report as a result of the derogatory reporting on my credit profile that resulted in the loss of over {$100000.00} yearly over the next 5 years, plus other credit opportunities that have been denied for the same reason. 
The report shows I currently owe money to these companies that I have already repaid and/or have not been authorized to open by me. 
o The delinquencies on my report are not accurate. 
o Im the victim of identity theft and I dont recognize insurance business done in my name in another state ( North Carolina ). XXXX has contacted me via email about the concern and is threatening to terminate my credentials, which would have a substantial impact on my career and finances. 
o I have also endured hardship with other recent employment where my information was seen to be compromised and almost resulted in the loss of employment as well as information being tampered with in E-verify, which all resulted in my denial of employment and credit. 

I have attached a copy of my report with the accounts in question circled. 


Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I had deposited a check for an insurance claim and didnt know that the wrong check was sent to me, leaving me with a huge negative balance of course I spoke to my bank explaining the check I received was to be sent to the towing company and they got my check. This was going to take some time to clear up but Im was not trying to accrue all the NFS fees and I had my stimulus checks to deposit but wasnt going to if they couldnt get the NFS fees removed. They agreed and everything was great. Until they literally just ripped out {$760.00} out of my account a whole month later screwing up my account and money! They refused to give my money back and I cant understand how they can do that!
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX VIA XXXX APT XXXX XXXX XXXX, TX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX is attempting to collect a debt not owed. I submitted CFPB Complaint ID no. XXXX with XXXX, CFPB complaint ID no. XXXX with XXXX, and CFPB complaint ID no. XXXX with XXXX along with attached FTC Identity theft fraud affidavit Report XXXX. XXXX, in reference to account no. XXXX with the creditor ( XXXX XXXX ) making the credit reporting agencies and the creditor aware of the fraudulent account. This information was submitted on XX/XX/XXXX. The account was deleted and blocked from my credit report by the Credit Reporting Agencies. Under law when an account is blocked as a result of identity theft the account can not be sold, transferred, or placed into debt for collection. Brock & Scott has contacted me as of XX/XX/XXXX, attempting to collect a debt not owed. XXXX XXXX has violated my rights under the FCRA. 

" Once a debt resulting from identity theft has been blocked, a person or business with notice of the block may not sell, transfer, or place the debt for collection. ''
Product: Checking or savings account

I received notice that my account was closed and sent to unclaimed property at the end of XX/XX/2022. I immediately called, the same day, to find out how to retrieve my funds. I sent an email to XXXX as instructed. After six weeks with no response, I called back and filed a complaint and was told someone would get back to me in two weeks. And I sent another email to unclaimedproperty. After another four weeks and no contact, I called again and attempted to escalate to another level. These new people were no help whatsoever and were at a loss where to send me next. I called the unclaimed property number and was told to go a branch and they would have the information on claiming property. The branch has absolutely no way of knowing what to do and cancelled my appointment after eight days, because eight days was their first available appointment. I called the unclaimed property back tonight, XXXX XX/XX/2022 immediately after my appointment was cancelled, and was told they should never have sent me to a branch. All I could do was file another complaint, my fourth. 
So how do I claim unclaimed property : 1. There is no information on claiming unclaimed property anywhere on the Wells Fargo website.

2. There is no information on claiming unclaimed property from any of the Wells Fargo customer service phone numbers.

3. There is no information on claiming unclaimed property from unclaimed property phone line.

4. No one at the Wells Fargo branch has any idea how to claim unclaimed property.

After 12 weeks of trying, and filing four complaints that were supposed to result in being contacted, I still have not a single idea of how to submit a claim. I don't know what documents they might want, or forms to fill out.

I have been told repeatedly by Wells Fargo that the case numbers I refer to have no meaning or use whatsoever. So every phone call results in a new file being opened, with all the same information regurgitated by me, followed by the promise of being contacted in two weeks. I have spent 17 hours on the phone with Wells Fargo and have not ever received a single piece of information in regard to claiming unclaimed property. I have made zero forward progress and have no hope of any, as I have now called every recommended number, and keep getting referred back to the same numbers that have already resulted in nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, XXXX  XXXX  inform you that there is no third party involved in the process. I have been patiently waiting on their response XXXX  the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law XXXX  continued reporting as unverified information which now, given all my attempts XXXX  address it directly with the creditor, as willful negligence XXXX  non-compliance with federal statutes. Below are the list of the erroneous accounts reporting on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/scrub> 2025 while I was working, I received an email saying that money was XXXX out of my account in the amounts of {$400.00} from my XXXX XXXX account and {$870.00} from my XXXX XXXX account. This happened without my authorization and consent. This happened from a device that I do not used and have never used and from people I dont not know at all. The next day I made an appointment inside a Wells Fargo bank to get my money reimbursed or refunded to my accounts. I have emails of memos from the frauds and scammers who got access into my account. Once I got to the bank Wednesday XX/XX/year>2025 I got access back into my account and made a claim for the money lost/stolen from my accounts. Today XX/XX/scrub> 2025 I had to called the frauds department myself and get updated on my accounts and the investigation. They told me that my account has reached a decision and that they denied my claim because they think I gave authorization to the transaction which is COMPLETELY FALSE!! So now Im making complaints and appeals to my accounts again outside of Wells Fargo to get more assistance and help with the process.
Product: Credit card

I initiated a balance transfer with Chase bank in the amount of {$6000.00} to pay a XXXXXXXX XXXX  account on XX/XX/XXXX. After entering all my info for the transfer everything seemed typical. On XXXX I saw on Chase bank that a transfer had been initiated to XXXXXXXX XXXX and all still seemed fine. However when that transfer had not posted to my XXXXXXXX XXXX Credit Card by XX/XX/XXXX, I grew concerned so I called XXXXXXXX XXXX and was told there was no transfer in process and they recommended I call Chase. I then immediately called Chase Bank and explained that a transfer for {$6000.00} was posted to my Chase account but the XXXX XXXX has no record of it. That's when I learned the wrong account number had been paid. The account was still with XXXX XXXX or so I was told but was a completely different account number from my own. During that conversation the representative said it looked like a possible banking error and the situation had been elevated. After not hearing anything back I called Chase Bank again on XX/XX/XXXX to get an update. They said then that I would need to wait 14 business days while the process was handled. I figured they would fix the problem and the transaction would get reversed during that time, it did not. I then called again on XX/XX/XXXX to get updated on the process as the 14 business days had lapsed. I was then told the situation had been elevated to a team with no internal line and that the process would take up to 30 days from my initial call on XX/XX/XXXX to be resolved. Those 30 days lapsed on XX/XX/XXXX and I have still yet to have the situation corrected or be communicated with by Chase Bank. I have records I whom I spoke with on my 3rd call on XX/XX/XXXX but not the previous calls.
Product: Money transfer, virtual currency, or money service

I signed a lease without visiting the property. In the process, I sent {$1500.00} which included a background check, security deposit, and first month 's rent. When the time came they didnt own the property, they tried to get more money out of me and after being unsuccessful blocked me. I used XXXX to send the money. All transactions took place on XX/XX/2023. I contacted capital one and field claims and the claim came declined. In the phone call, I told them I had definite proof of the scam. I was told Id get an email where I would eventually send the proof but they didnt ask for any proof and only sent a decline of the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been making on time payments with Chase Mortgage and it showing on all three bureaus XXXX, XXXX and XXXX  credit reports in XX/XX/2018 multiple 30 day late payments. I would like these incorrect 30 Day late payments to be removed. I have reached out to Chase twice this year, with no response.
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, and XXXX XXXX XXXX XXXX # XXXX. 

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

In accordance with the Fair Credit Reporting Act the companies listed numerically below are violating my rights. 

XXXX. ) XXXX Account # XXXX XXXX. ) XXXX XXXX Account # XXXX XXXX. ) XXXX XXXXXXXX Account # XXXX XXXX. ) XXXX Account # XXXX XXXX. ) XXXX XXXX XXXX Account # XXXX XXXX. ) XXXX XXXX Account # XXXX XXXX. ) XXXX Account # XXXX XXXX. ) XXXX XXXX  Account # XXXX XXXX. ) XXXX Account # XXXX XXXX. ) XXXX XXXX XXXX Account # XXXX XXXX. ) XXXX Account # XXXX XXXX. ) XXXX XXXX Account # XXXX XXXX. ) XXXX XXXX Account # XXXX XXXX. ) XXXX XXXX Account # XXXX XXXX. ) XXXX XXXX XXXX  Account # XXXX 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 : Also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La. XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA. XXXX Re : Acct # XXXX Berlin-Wheeler , Inc . 

To Whom It May Concern : I am writing to request an investigation regarding account number XXXX. In response to my first notice dated XX/XX/XXXX, to collect a debt from Berlin-Wheeler, Inc. , I issued a debt validation letter to a Berlin-Wheeler, Inc to dispute the account that reported a {$200.00} fraudulent high balance on my credit report. Payment of {$100.00} for the account was credited on XX/XX/XXXX and was made directly to XXXX XXXX. As a result, the account balance was reduced to {$79.00}. On XX/XX/XXXX, a payment of {$92.00} was posted and paid directly to XXXX XXXX. Payment cleared both the {$79.00} balance and the {$13.00} collection agency fee. 

Moreover, the collection agency attempted to collect {$30.00} and {$170.00} when the balance owed to XXXX XXXX was only {$79.00}. Berlin-Wheeler, Inc. , instead of correcting their records, attempted to collect money they were not owed. In my opinion, XXXX XXXX and Berlin-Wheeler Inc. are engaging in a Ponzi scheme to earn kickbacks by referring their customers to their personal collection agencies after they have made a good faith attempt to pay the cable bill. XXXX XXXX shows no regard for their senior citizen customers, who live on a fixed income, who are XXXX years old. 

In addition, seven days after I attempted to make good on paying the account in full on XX/XX/XXXX, XXXX XXXX sent my account for collection without due process. The actions they took were unjustifiable in light of my payment to the account in full the same month. According to public records, Berlin-Wheeler , Inc. 's license was revoked on XX/XX/XXXX, by the Secretary of State for the State of Louisiana. There is no record of reinstatement of the license after that date. It is against the XXXX to engage in deceptive business practices such as these. The company needs to be investigated for poor billing practices, profit-driven behavior only, failure to register with the Secretary of State for the State of Louisiana and violation of the XXXX. 

Respectfully, XXXX XXXX Cc : Consumer Financial Protection Bureau Cc : Louisiana Attorney Generals Office Cc : XXXX XXXX XXXX Cc : Congressman ; XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I visited a Mattress Firm store and ordered a new mattress and adjustable base. The sales associate submitted a financing request to Synchrony Home and he advised that I was approved for {$1300.00}. My purchased was for {$2400.00} and Id be paying the remaining difference out of pocket. The difference would be paid prior to my delivery date of XXXX/XXXX/20. My purchase was delivered ; no issues. 

Around XX/XX/XXXX I received my first billing statement from Synchrony which reflected a balance of {$1300.00}, a credit limit of {$1200.00}, and minimum payment of {$47.00}. To my dismay, the statement reflected an OVER THE LIMIT amount of {$120.00}. Today, XX/XX/XXXX I called Synchrony and the representative, after she spoke to her supervisor, advised me that they will allow the store to push through a total higher than the approved credit limit. The ONLY resolution she had was for me to request a credit line increase. Never did the store advise that I was actually approved for only {$1200.00} BUT NEVER should Synchrony have allowed a pushed amount over and beyond the credit limit. I now risk an adverse action such as loss of credit score points due to this UNACCEPTABLE AND DECEITFUL PRACTICE. Of note, I immediately called the store and was advised that they are allowed to submit a purchase amount 10 % higher than the approved financed total XXXX {$1200.00} + 10 % = {$1300.00} ). Never should a company make decisions on your behalf & should ALWAYS obtain the consent of the customer prior to.
Product: Checking or savings account

I opened a city priority package on XX/XX/XXXX, and deposited XXXX in total to the checking and saving accounts before XXXX. After 60 days, I chatted with agent in the app two days ago, she said I met the requirement of the bonus, but need to wait another 90 days for the bonus to appear in my account. I called Citi on Friday again and rep. said she was not sure if I could pull the money out because this could make me not qualify for {$700.00} because the XXXX needs to stay in account for ADDITIONAL 90 days after first 60 days.
Product: Debt collection

XXXX of XXXX and XXXX billed me for a repair that is covered under first year warranty and refused to repair damage to my ceiling caused by this malfunction. I have done my best to work with XXXX to no avail. The owner of the company, who was more than happy to spend time with me during the purchase, now refuses to speak to me in person, on the phone, or by email. Without any notice, they turned it over to a debit collector called Credit Counsel, Inc I have sent Credit Counsel , Inc. certified mail within 30 days of there notice to me stating that I am disputing this invoice and to not contact me again. Credit Counsel, Inc. have called me twice since signing for the the certified mail and have be dishonest about receiving my certified mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . 
Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. I would like a full copy of my report.
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 

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

I have contacted XXXX  for a year now with disputes - they have not resolved this they only send a generic message - FTCA guidelines etc - which is false and inaccurate. They have a company on my credit report Acceptance Now whom I have called and verified they have a totally different XXXX XXXX with a social XXXX which is totally not my social nor information- this clearly shows fraud but yet they keep saying its mine. This is my fia attention before The Law office working in this files charges against them - When calling this company you can not get through it takes weeks - after getting through they before its my name and similar XXXX but not my social or ID!!! They have failed to provide documents that confirm this is me, signed paperwork required by FTCA. I have nothing but false reporting in my report -