23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Several months ago someone made XXXX fraudalent transactions to my credit card with Wells Fargo. I filed fraud claims with Wells Fargo and told them that I didn't know what had happened with my credit card. They mishandled these claims right from the start. First they only acknowledged one claim, then they stalled at removing them from my account, finally they denied the claims saying that I or someone I had authorized made the transactions which is completely untrue. I tried to contest this through them and they told me they had been very thorough and I couldn ; t do so. If they want to pay for a lie detector test I'll happilt take it. I want these charges removed and an apology from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts on my credit report that doesn't belong to me. I have no knowledge of these accounts nor have I given anyone access to any of my personal information to obtain credit. These are being reporting to my credit report and don't belong to me. 


1 ) XXXX XXXX XXXX XXXX XXXX -opened XXXX XXXX amount {$300.00} 2 ) XXXX XXXX opened XX/XX/XXXX amount {$970.00} 3 ) XXXX  XXXX opened XX/XX/XXXX amount {$340.00} 4 ) XXXX XXXX opened XX/XX/XXXX amount {$0.00} 5 ) XX/XX/XXXX opened XX/XX/XXXX amount {$4000.00} 6 ) XXXX XXXX opened XX/XX/XXXX amount {$25000.00} 7 ) XXXX XXXX XXXX Opened XX/XX/XXXX amount {$26000.00} 8 ) XXXX XXXX XXXX Opened XX/XX/XXXX amount {$26000.00} According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) you are required by Federal law to verify through the physical verification of the original signed consumer contract, any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email a fraudulent account. 
I demand to see Verifiable Proof ( an original consumer contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately!
Product: Checking or savings account

I signed up for a targeted promotion mailed to me for opening a checking and savings account and receiving a {$300.00} bonus for each one if terms were met. Citizens violated the advertized terms in multiple ways. I opened both accounts in XXXX, and there was an issue with initially funding my account in the way that was offered on the sign up page. The opening deposit did not go through. I was planning on depositing money in a different way to maintain the balance. I was having issues doing this, and I contacted Citizens, and they released a lock that was on my account. I never received any communication that the account had been closed, not just locked, or any messages that something was wrong with my account. Not even a single email. The initial terms had nothing stating that the account would be closed if this initial deposit did not go through. The terms stated the " new account must have a balance greater than XXXX and remain open and active through the payout date stated in the table below to qualify for this offer. '' I met this, it did have a balance greater than XXXX through the payout date. The only mention of a required initial deposit was that the following month a deposit must be made for {$500.00}, which I did. There was absolutely NO mention of an account being closed without an opening deposit before this. If that was required it needs to be stated. It gave the option to fund it when initially opening the account, but there was NO language stating if this step was not completed, the account would be closed. Further more, it did not state that the account was closed when it happened. I logged in multiple times and had no message stating this. The only way I found out is when I called to make another transaction and it didn't work, they told me the account had a restriction on it. But even they did not say it was closed. There was absolutely no way to find out it had been closed other than this follow up at the end of the three months. 

When I initially contacted about the terms being met and not receiving my bonus, the representative stated it appeared I had met them, and would follow up with marketing. I then received the attached email message on XX/XX/2023 stating I had not in fact met the terms, because my account was closed after not initially funding the account. The email stated " This was stipulated in the disclosures of the marketing materials you received. '' That is false, no statements were communicated in the materials, I have gone back to look at all bonus terms, as well as standard terms I am seeing on any offer for a Citizens account, and it is stated nowhere. 

I understand if an opening deposit is required and it is stated that the account will be closed if not met, then that is one thing. But to not state those terms, not accept an initial deposit, close the account without any notification, then open the account again without telling me it was closed in the first place, and then allowing me to complete all the activities when it was no longer eligible in the system, and only telling me after all this that I did not complete the terms, that is completely unacceptable.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX U S DEPT OF EDXXXXXXXX : XXXX, U S DEPT OF EDXXXX : 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, states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report agency containing any of the following items of information : Any other adverse item of information, other than records of convictions and crimes which antedates the report by 7 years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any customer 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

Loan Number Date Loan Program Status Principal Balance Action 5 XX/XX/XXXX XXXX XXXX LOAN Repayment {$6400.00} View Details 4 XX/XX/XXXXXXXX XXXX XXXXXXXX LOAN Repayment {$6400.00} View Details 3 XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX LOAN Repayment {$2100.00} View Details 2 XX/XX/XXXX XXXX XXXXXXXX LOAN Repayment {$3100.00} View Details 1 XX/XX/XXXXXXXX XXXX XXXXXXXX LOAN Repayment {$2300.00} XXXX XXXX XXXX Account # XXXX The Promissory note isn't my name or signature, I have contacted XXXX several time and the have disregarded me and my attempts and even dropped my credit score XXXX points because of an error. its been a difficult process but I hope they remove all of this account of my credit report asap.
Product: Credit reporting or other personal consumer reports

15 U.S. Code XXXX XXXXXXXX a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX  which falls under XXXX  according to XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, a settlement agreement was reached in the amount of {$5700.00}. The final payment for this agreement was made on XX/XX/XXXX. Starting in XXXX I started receiving phone about late payments-3 total when I returned the call they said it was in the hands of the attorneys and they couldnt talk to me but did say that my account wasnt settled and still had a large balance. The credit repair company attempted to get a statement to show account paid in full but they never responded and then XX/XX/XXXX they reported it as unpaid account to credit bureaus
Product: Debt collection

On XX/XX/2018, I placed a furniture order for 2 King Bed Sets, 2 Dressers, 2 Mirror & Nightstands, a Queen Bed w/ Mattress Set & 2 King Mattress Set from XXXX XXXX in XXXX XXXX Texas off the XXXX XXXX. The Salesperson " XXXX  '' told me that we should receive the complete order the week of XX/XX/2018. The following week passed by ... I received the 2 King Bed FRAMES with matching dressers, mirrors & nightstands but NOT the Queen bed frame, mattress set or dresser. I then followed up with " XXXX  '' asking about the status of my remaining order. He then told me the remaining items were on back order and he was waiting on the order to arrive at the store. Two weeks past by AGAIN and still no furniture. At this point, we're 3-4 weeks in and my daughter doesn't have a mattress or bed to sleep on when she arrives from College for the XXXX holiday. 

After continuous calls to XXXX XXXX, talking to XXXX and not receiving my remaining furniture from them, I called to cancel the remaining furniture. I immediately went to XXXX XXXX XXXX, ordered the Furniture & received financing from XXXX XXXX for the remaining furniture since my credit account was tied up with Affordable Furniture. I was advised, until my dispute with XXXX XXXX XXXX were resolved, I did not have access to my credit line. 

I disputed the amounts with both XXXX XXXX ACIMA because I didn't know the TRUE charge amount on either account. Due to my disputes, the merchant ( XXXX XXXX ) falsely submitted TWO DIFFERENT invoices to XXXX & ACIMA. One invoice ( Not originally given to me ) was submitted with NO ITEMIZED AMOUNTS in the description BUT listed the amounts charged to XXXX ( {$2800.00} ) + ACIMA ( {$2400.00} ) and the second invoice listed the itemized amounts [ prices ] to the side of the items ... .including scratching out the items that I NEVER RECEIVED/WERE CANCELED. I NEVER RECEIVED THE 2ND INVOICE! ... but it was submitted to XXXX  like this! As a result, the XXXX account dispute was confirmed and awarded to the merchant! : /!!! However, the items that were scratched out is what I was charged for by ACIMA. I continued disputing the amount with ACIMA but after a few months of going back & forth, ACIMA closed the dispute, awarding the merchant ... even though I didn't receive the items ... which were scratched out on the invoice.

I refused to pay for items I never received. ACIMA is currently reporting this account on my credit  reports negatively as a Charge Off Collection Account.
Product: Checking or savings account

Someone had fraudulently been making withdraws from my bank ( I'm XXXX ) account multiple times a day with my granddaughters ( she's XXXX ) ID she had lost we filed ID theft reports, we filed police reports and the woman ( rude ) woman at Wells Fargo said since her ID was used it must be her when clearly it was not I have had fraud alerts on my account for under XXXX dollars but there was not alert for multiple withdraws at multiple Wells Fargo locations especially since she had brought it to my attention because she though it was me making the withdraws. Neither of us would make a false police report or risk going to prison lying about something yet there is no resolve these were notes by a woman named XXXX XXXX Wells fargo investigator at  XXXX.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX, XXXX XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX, XXXX XXXX XXXX  ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

On XXXX XXXX, 2015 a collection company by the name of " Debt Recovery Solutions , LLC '' put derogatory and inaccurate information on my credit report. It shows that the original creditor was XXXX and the client was " XXXX XXXX, XXXX ''. It shows the amount was for {$310.00}. On the credit report it shows that the account was open on XXXX 2015. I have not opened any accounts with " XXXX '' in XXXX 2015. I was not properly notified per the Fair Credit Reporting Act, so I was unable to verify the validity or dispute the debt. This is in clear violation of the Fair Credit Reporting Act. The only notification I received was XXXX letter from Debt Recovery Solutions dated XXXX XXXX, 2015 requesting to pay {$230.00} by XXXX/XXXX/15 which is a settlement letter. This is another violation since the creditor put the inaccurate/derogatory information on my credit report and reported it to the credit bureaus at the same time. This action is a violation of my consumer rights and is illegal.
Product: Credit reporting

On a few separate occasions I have disputed with all three credit bureaus XXXX, XXXX, and Experian pertaining to a credit card with XXXX XXXX Bank acct # ending in XXXX for the date of last activity, payment history, status * and the dispute was returned verified. 

After some further investigation on my part, I am also concerned that these accounts may not belong to me, and/or the reporting to XXXX, Experian and XXXX may be inaccurate. In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 74 Fed Reg 31484 ( XXXX XXXX, 2009 ), this Notice includes
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my investigation back and you stated that you completed a fair investigation and that these accounts are 100 % accurate. 

But can you please answer this one question. How did you investigate these accounts?

Because according to the fair credit reporting act 15 U.S. Code 1681a this is how you are supposed to investigate my consumer report. 

You were supposed to interview my neighbors and interview my friends. 

Did you interview my neighbors? 
Did you interview my friends? 
Who did you talk to? 
When did you talk to them? 

One more thing can you please tell me how everything is 100 % accurate if these accounts High Balance, the Last verified date, Date Reported, the Date Opened, the Closed Date, the Creditor Type, the Last Payment Date, the Account Type, the Credit Limit, and the Date of Last activity are STILL NOT reporting the same information at all? 

You have violated multiple laws below, 15 U.S. Code 1681a 15 U.S. Code 1681 15 U.S. Code 1681i And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies.

I demand deletion of the accounts from my credit report. I've listed below : XXXX Account # XXXX, XXXX XXXXXXXX XXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX OF XXXX Account # XXXX, XXXX OF XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account XXXX XXXX, XXXX Account # XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX Delete these accounts immediately or you will be responsible for {$1000.00} per violation. 

Send me updated credit report with accounts permanently deleted. 

In accordance with the Fair Credit Reporting Act they have 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. This is ILLEGAL. I'm asking that all accounts be permanently deleted from my credit report. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing inaccuracies on all of these accounts. Multiple laws have been broken a few are listed below, 15 U.S. Code 1681a 15 U.S. Code 1681 15 U.S. Code 1681i. Because of all of these additional infractions I request permanent deletion of all of the listed accounts.
Product: Credit card or prepaid card

I have an account with Target Bank USA, NA and I have alerts set up on the account to remind me of the payment. I have requested to be notified by phone via text then email so that I am not late with payment and I do not incur fees and any late payments over 30 days on my credit. I'm trying to re-establish my credit history like most people since the pandemic and Target has reduced my credit line from {$3000.00} down to {$300.00} which is their right. I've been a cardholder since 2016 and experienced difficulty during the pandemic and have been back on track. Well I'm a XXXX Veteran and have many conditions and I suffer with XXXX XXXX this is why I have requested the text messaging first. I didn't receive the text message until after my due date which would have assessed my account a late fee and a 30 day late. I'm not sure why this happened but this is extremely damaging to my credit worthiness in which I'm working so hard to achieve, I'm a single woman and I don't have anyone to assist with my bills or a man bringing more money into the household. Had I been properly notified I would have paid the requested monies due in a timely fashion. Also, please be advised I had just been released from the VA for my conditions, and was being bombarded from Doctors to ensure I was safe. Upon receipt of the notification today, when I realized the payment was due I made said payment and attempted to contact them to discuss the alerts not being made appropriately ( XXXX est ) and they were not in the office.