23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am contacting you about inaccuracies and incomplete information in my credit report that need your immediate attention. 

The basis for my dispute is that your agency has not provided adequate verification for the debt in question. XXXX and Experian have already corrected this account in their records due to an identified error. I am puzzled as to how your agency has verified this account while the other bureaus have updated it. Therefore, I request that you correct this account in my credit file as it is inaccurate, erroneous, incomplete, or unverifiable. 
I wish to dispute this account : XXXX XXXX XXXX.
Product: Credit card

In XXXX of 2023 I paid the balance on the card of roughly {$190.00} in full. I was then charged afterwards an interest fee of {$5.00}. This statement was never sent to me which resulted in getting late fees. I was never once communicated to about the past due balance or late fees by the company. I logged into the account today XXXX to see if i could update contact preferences as they had been calling me about doing something with my tax returns which seemed VERY suspicious and i wanted the constant calls from several different numbers to stop, and I was shocked to see a past due balance of {$54.00} and several late fees, and then found out that it has greatly impacted my credit score.

I contacted the company and was disconnected when asking to speak to a supervisor and then called back to speak to another very rude customer service representative who refused to send me anything other than a statement and refused to send me to a supervisor. 

I submitted an automatic payment for the past due balance, and decided to close the line of credit. I just want this to not negatively impact my credit. I am very disapointed, as I have never had a late payment, and this practice seems in very poor taste, and very shady.
Product: Credit reporting or other personal consumer reports

I received my consumer reports from all 3 of the major Credit reporting agencies and found numerous violations on my report, they are as follows : Pursuant to the Fair Credit Reporting Act, specifically 15 USC 1681, section 602a, it is imperative to ensure that consumer reporting agencies uphold their responsibilities with fairness, impartiality, and due regard for the consumer 's right to privacy. 

XXXX, XXXX, and Experian, recognized as consumer reporting agencies, are entities with which I, as the consumer, maintain a relationship. It is essential to assert my right to safeguard private information, a right substantiated by 15 USC 6801, whereby Congress mandates financial institutions to affirmatively and continually respect the privacy of their clientele.

In the context of the Furnishers of information to credit agencies, identified as financial institutions under relevant regulations, as per 15 USC 1681, section 604a ( 2 ), the disclosure of consumer reports is contingent upon the receipt of written instructions from the concerned consumer. It is pertinent to underscore that neither verbal nor written consent, in any form, has been provided, and unequivocally, all consent is hereby revoked. 

Under the stipulations of 15 USC 6802 ( b ) ( c ), financial institutions are prohibited from disclosing nonpublic personal information unless consumers are apprised of the mechanisms enabling the exercise of the nondisclosure option. Regrettably, the Furnisher of information to credit agencies failed to inform me of my right to exercise this option. 

Furthermore, the violation of 15 USC 1681C ( a ) ( 5 ), which prohibits consumer reporting agencies from including adverse information without authorization, is evident. The reported adverse item lacks the requisite permission, thereby contravening the statutory framework ( ie none of the accuracies on my report are indicative of ANY crime, and are adversely affecting my ability to obtain credit and MUST be removed promptly ). 

Drawing attention to 15 U.S. Code 1681s2 ( A ) ( 1 ) A, it is explicitly stated that no entity shall furnish information to a consumer reporting agency if it is known or reasonably believed to be inaccurate. XXXX and Experian, in this regard, may be in contravention of the aforementioned statute. 

In light of 15 U.S. Code 1681e, it is mandated that consumer reporting agencies maintain reasonable procedures to prevent violations and restrict the furnishing of consumer reports to specific purposes outlined in section 1681b. Notably, XXXX and Experian appear to be deficient in maintaining such reasonable procedures. 

Finally, as per 12 CFR 1016.7, the right to opt out of reporting services is expressly granted to consumers. In accordance with this provision, I hereby exercise my right to opt out of the reporting services provided by the aforementioned agencies.
Product: Credit reporting or other personal consumer reports

I filed report with XXXX XXXX  in XX/XX/scrub> 2025 about fraudulent credit card in my name, it was confirmed as fraudulent and stated they would remove it from my credit history. I received the letter stating it is fraudulent and previously filed a complaint with cfpb and they also confirmed fraudulent. I have filed disputes with all three credit bureaus multiple times and they keep reporting it as accurate and not fraud, therefore my credit score is still extremely inaccurate. I then contacted XXXX again in XX/XX/scrub> 2025 and was informed that there was two letters on the account sent out with opposing information - one letter stated fraud and one letter stated as accurate. Therefore the credit bureaus are stating it as accurate as well. I contacted XXXX again and XXXX stated they fixed it, again, however the disputes are still coming back as accurate and not fraudulent and my credit is still suffering from it. Can the accurate and correct confirmation of fraudulent activity and report be sent to the credit bureaus to clear my credit history?
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated.I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by Capital one before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or Capital one to furnish any late payments to my consumer report. It is my belief that due to Capital one business relationship with the consumer reporting agencies, ( such as XXXX, XXXX, XXXX ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.
Product: Credit card or prepaid card

On XX/XX/2019 I was alerted by Wells Fargo of fraud detection on my credit card. Because my credit card information has been compromised, I called their customer service line and was told that they would be cancelling my current card and sent a new one. 

They then gave me two options, receive the card in 5-7 business days free of charge or have it " rush '' shipped into 2 business days for a {$16.00} fee. I clearly stated that I wanted the free option. 

Checking my credit card charges later, I realized that they had in fact still charged me for rush shipping. I, again, called their customer service number of XX/XX/2019 and was told they would refund the {$16.00}. 

That card, however, never arrived. Thus, in the same phone call on XX/XX/2019, they again agreed to send me a new card and presented me with the free and rush shipping options. As clearly as is possible, I stated that I wanted the free shipping option. 

The new card recently arrived, and I have been using it without issue. I checked my credit card charges on XX/XX/2019 and saw that I had been refunded the original {$16.00} as promised. However, I WAS AGAIN INAPPROPRIATELY CHARGED THE {$16.00} FOR THE SECOND CARD. 

I was happy to resolve the issue with the company the first time, but since this has now happened twice, I believe there is a pattern to Wells Fargo 's behavior. If they are fraudulently charging me, they may be doing the same to other customers hoping that they do not realize the {$16.00} charge or hoping to falsely claim that the customer requested the rush shipping. 

At this point, I am hoping for more than just a second refund. I believe the CFPB should pursue investigation into Wells Fargo 's practices of charging customers for rush shipping that they did not request. 

I can provided additional information as needed and would be happy to do so. I appreciate your work at the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

Routine check of my credit file # XXXX indicated on XX/XX/17 Equifax released by credit file to XXXX for no permissible purpose. This was an unauthorized an illegal release of credit information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX has engaged in the following against me and my wife. 

1. Consumer Fraud : Company stated they would repair credit by deleting derrogatories from credit file. The company charged me thousands of dollars which we paid. Our credit got worse not better.

2. Fraudulent Marketing : Company provided misleading statements related to credit repair and also provided false claims related to being able to not owe any money if not satisfied. Company lies to Veterans to get them to sign up for this fraudulent service.

3. Lying to CFPB : Paragon claims that they won in the Arizona Attorney General Office. The fact is paragon never won anything. I filed a complaint against paragon with the Arizona attorney general 's office for fraud and consumer scamming. I actually won against paragon and now they are lying to CFPB. Myself nor my wife owe this company a dime.

4. Deceptive and harassing communication : This company bullies consumers by sending threatening emails and phone calls. The paragon owner is a complete fraud who preys upon consumers who are trying to fix their credit. Instead Paragon doesn't fix credit, and lies, and charges consumers for services not rendered.
Product: Credit card

I had a XXXX XXXX Costco card which I had set up on automatic bill pay and rarely used. Recently, I noticed my credit score had dropped significantly and saw that it was for a Citi account which I had never opened. I contacted Citi asking what the account was connected to and they told me that my XXXX XXXX account was transferred to them and my auto pay did not transfer creating multiple late payments and severely damaging my credit score. I had recently moved so Citi may not have properly forwarded the information to me but when speaking with them they said the would not remove the late payments from my credit report because it was not the banks error. I am extremely dismayed that a company is able to have such business practices and additionally angry at Costco for letting this happen to their customers.
Product: Debt collection

In XXXX XXXX, I had a hospital stay at XXXX Hospital in XXXX. A couple of years later I received a collection notice from Pro Collect. I called them because I had no idea what it was for - just an amount & please pay. I told the rep this was the first I had heard of any past due amount & why am I just learning of this now, two years after the fact. I am covered by two insurance companies - I had received no notice of any amount not paid. I was told they had taken over for the previous collector because " they had dropped the ball ''. I told them I would need verification of the amounts and had no plans to pay because they said so. I never received any verification, just continued phone calls & the promise that verification would come.
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I should note I worked as a XXXX XXXX for the XXXX XXXX during that time & many many people came in to mail certified letters to this company disputing their claims - all from XXXX XXXX as the provider. Same story as mine.
Product: Consumer Loan

I have a loan ( should be had ] with Wells Fargo bank. It is secured by two c.d.s. of {$50000.00} each This loan could be paid off anytime. XX/XX/2016 I made a payment of {$67000.00} against a balance of $ XXXX.The check was from a title company whom I had gotten a loan from This should have been simple, pay off my loan, and give me a refund. XX/XX/XXXX was a XXXX and I was told it would take to next week to clear the transaction. My receipt said it would take 3 days to post but it will be credited to your account. 
I went back to the Wells Fargo branch on XX/XX/XXXX and asked why my loan still did not show being paid off. XXXX called and was told it was taking time. In addition, I was told there was a check in the mail of {$4700.00} being sent to me. 
I waited till XXXX, no check and still showing a balance of now {$64000.00}. I asked where my check was and was told there is no check, we will deposit the money to your account. 
This is now XX/XX/2016. It has been ten days since I paid this off and I have no refund money and I still owe now {$64000.00}. I was also told when I asked that my c.d.s which secured this paid off loan would take 2-3 weeks before they could be released. This would mean from the date of payment that my c.d.s would be held for 31 days. Why? 
XX/XX/XXXX, I was told by XXXX that he had tried to call me and sent an e-mail ( strange I have an answering machine and no message and surprise no e-mail on my computer ) that wow my loan only showed that I owe {$1700.00}. 
The overpayment money was still not deposited to my account. 
How XXXX are the people that handled this transaction? 
They could have paid off the loan and put the overpayment money into my account. This is now XX/XX/2016 and once again I will go in and see if my refund money is available. 
I just want to get this finished, have my loan say zero, have my refund, and have my c.d.s
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX of XX/XX/XXXXI submitted some dispute letter pertaining to XXXX account # XXXX, XXXX XXXX, and XXXX XXXX account, # XXXX. 

I have yet to receive anything in the mail, or any kind of response pertaining to this issue. It is quite customary for the Bureau not to respond, or simply delay the process by sending out notices telling me that, they suspect, that my dispute letter was sent by someone else, but me. This in my opinion is quite insulting, and frankly, quite distasteful. What gives them the right to judge my writing skills, or my research skills, is it my gender, or race? Am I not educated enough to writte a proper letter? 

I have put countless of hours in research and development to not have them, properly investigate my dispute request. It is known that, failure to respond could result in a law suit against them, according to section 616 of the FCRA. 
These account seem to be incorrect, and all I am asking is to have them investigated, and have them respond back to me with updated credit reports, free of charge pursuant to the FCRA.
Product: Checking or savings account

Submitted XXXX disputes to my financial institution regarding transfers out of my account to money transfer platforms such as XXXX, XXXX and XXXX. These transfers were over a period of several weeks. I put in disputes with the platforms as well as my bank. I spoke with a representative on Monday XX/XX/XXXX and it was made clear to me that she would let me know her determination in 1 to 2 days. I did not hear from the representative. I called the bank on Friday XX/XX/XXXX and to my dismay the disputes were denied. I called on Monday XX/XX/XXXX and spoke with a different representative asking that a manager please reach out to me regarding this matter. No phone call was received. I called again on XX/XX/XXXX and spoke with a supervisor who escalated this to a manager with high regard, again no phone call was received from a manager at WSFS. I submitted a police report to my financial institution and have screenshots of the unauthorized transactions/transfers from my bank account through these platforms.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION has been acting abusive towards my right to privacy and my identity. They have taken my private information and created a record of account with the information attached to a social security number that is not owned by me, it is owned by the Social Security Administration and its also the United States obligation as defined by 18 USC 8. I am the consumer and administer of the account. I do not own it.

I told them the debt and all the negative inquiries are to be removed immediately as they are violating my consumer rights and Civil Rights by unlawfully and untruthfully giving misleading information without my consent or signature for fee. 

I called them up on the phone and i asked to see what proof they have that i consented to my information being shared too any third party pursuant to 15 USC 1681B ( a ) ( 2 ). The sales support laughed and said he was not sure. 
I would like the CFPB to HELP me get TRANSUNION to send me a signed affidavit that i the consumer gave my consent to furnish any report and violate my civil rights, 42 USC 1983, as this is a complete misrepresentation of facts. 
I do not validate any of the negative information on my report nor do i consent to TRANSUNION furnishing such information to third parties for a fee. 

All the negative items and all hard inquiries are to be removed immediately from my report. A truth of Affidavit has been sent to TRANSUNION with an invoice for the 9 violations that I have found. I am seeking Civil Liability pursuant to 15USC 1640 of {$1000.00} per violation which totals up to {$9000.00} that TRANSUNION is in violation of.
Product: Credit card or prepaid card

XX/XX/2021 XXXX XXXX transfer that was not picked up from XXXX XXXX But yet not return to my account. 
Amount of {$5000.00}.
Product: Mortgage

During Covid 19 my payments where behind during lost of my job temporary My husband became XXXX and was hard to keep up with payments. 
We requested help to put back payments to the loan.
Product: Credit card

In XXXX I owed QVC approx {$990.00} in Open Easy Pay items that We supposed to charge to a separate credit card. QVC added them to my QVC Synchrony card sometime in XXXX. My credit limit was {$2300.00} and it brought me up to {$3200.00} and over the limit and I have been trying to pay down this large credit amount and it has affected my credit rating with large late fees, Interest and over the limit fees. I do not dispute the amount owed. I just tried to pay it down the best I could. I received a collection letter from a Collection Company called XXXX, formally known as XXXX. XXXX XXXX  Account ID : XXXX ) for the same amount that was added to my QVC credit card almost 2 years ago. QVC Closed my account at that time and I can not see what happened with the charges between XXXX and XXXX. I am requesting that QVC confirm how my bill jumped over {$1000.00} in that period of time. I want to clarifation and proof that the Collection is the correct amount owed and it was not added to my QVC credit card
Product: Checking or savings account

Hi, I have sent over forms of proof to Bank of America XXXX for proof of financial harm. First I wait almost to weeks to be told to send credit card statement when that is what I am uploading. The keep sending me and automated message with examples of proof which I have submitted XXXX. I feel they are making this process difficult on purpose so that they dont have to pay out. They are requesting statements. That is what I have uploaded. See attached.
Product: Debt collection

The loan wasnt for me and or the bill doesnt come in my name. I have been threatened repeatedly, calling relatives asking where I work, even when it was notified by the company that it wasnt in my name or the vehicle is no longer.
Product: Checking or savings account

I am a customer with chase bank and I am now a victim of wire fraud. I am getting married in 12 days and I have been saving for months! I received a text from what I thought was my bank asking if I authorized a wire transfer. I sent a text back saying no. I then received a call from a person stating they were from chasse bank and I was on a recorded line. I verified that the number he was calling from was the same number that was on my debit card. After he provided ALL of my personal information from my account numbers, my birthdate, my social security number, address, and the balance in each of my accounts, he stated that I needed to complete a wire transfer reversal to get my money back. He said that the money should be back in my account in 12 to 24 hours. After I checked my accounts on saturday XX/XX/ there was still no money. I called chase and I was getting the run around and after I finally spoke to a supervisor, they stated that I might not get my money back and that I fell for a phishing scam. In last 24 hours I have done alot of research and I have found multiple families that have been victims of wire fraud with chase bank and the only way these families received their money back was because of news media coverage. I am desperate at this point because they wiped out all 3 of my bank accounts. The money that was taken included my fiance and I 's 2 week paycheck on friday along with a saving account the total was a little over {$11000.00}. I spoke with Chase last week and they said that they are not going to return the money to our accounts because it was not considered fraud. They are not protecting their clients and everytime I spoke with them, they were rude and there was no costumer service. The phone number that called me was the same number that was on the back of the chase card and the suspect had all my information including my account numbers and my balances in my account.
Product: Checking or savings account

I have account ( s ) with Ally Bank. It is an on-line bank and I do not know the routing number. The correct email address for this bank is ally.com. My accounts with Ally include a CD, a savings account and my monthly retirement check is sent directly to them ( Ally ). For reasons unknown to me they have " closed '' or " frozen '' my accounts and I can not access them. I have emailed them and was told that only phone contact is acceptable. They will not communicate with me in any form ( email, chat, USPS ) except via telephone. The problem is that to contact them by phone requires at least two-hours on call-waiting with the wait time close to XXXX to XXXX hours depending on what time of day you call. For me, it is impossible to be on telephone hold for that long of time. They only have one phone number XXXX which for the average person is impossible to use. I am hurting here without access to my funds. As a side note, even if you call them at XXXX XXXX  the wait time is still OVER two hours and many times longer than that. Please help. 

How can your complaint be satisfactorily addressed? 
Can this bank be required to answer their phones in a timely manner? How can I get my account " unfrozen ''?