23daVinci/CFPB_Complaints huggingface dataset:
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. I did not knowingly obtained or should have known that I obtained possession of goods, services, or moneys as a result of the blocked transaction or transactions. The identified transaction is not information related to any transaction by me as the consumer. The request to block information was based on factual misrepresentation and not on a material misrepresentation. 

Fraudulent Addresses : XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX  : # XXXX, XXXX XXXX  XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXXXXXX : # XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX : # XXXX, has violated my rights.

15 USC 1681 Section 602 A : States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 USC 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. 

Delete Entire Account Due to Confirmed Fraud, Fraud Investigation Completed, Delete Account from Bureau Due to Fraud, Affidavit Declared Contract Void ab Initio and Have Been Confirmed as Fraudulent Item Blocked, Cease and Desist Reporting this Inaccurate Account Because it is Unknown, Inaccurate, Unverified Due to Confirmed Fraud, and Due to Negligently Violated 15 USC 1681c-2, 15 USC 6802, 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( e ), 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 1681 Section 602 A, 15 USC 1681 Section 604 A Section 2, 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681s-2 ( A ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1681o ( a ), 15 USC 1681n ( a ), 15 USC 1681i ( a ), 15 USC 1681i ( 5 ), 15 USC 1681g ( 2 ) ( E ) , and 15 USC 1681e ( b ). I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.
Product: Checking or savings account

I filed a claim with Wells fargo, my purse was stolen back in XXXX or XXXX cant recalled what day. My device and all my information was there. My pin # and password was writting down in a little piece of paper inside in my wallet.. The fruadster were succesfully log in to my online banking and change my password and withdraw XXXX Wells fargo closed my compromised account and reopen a new one, and now i was told that they will closed my account and denied the claim, because the DC and pin # were present.?? YES WAS STOLEN i told then listing to the call. my purse was stolen, rep told me yes we know but thats all i can share claim is final closed and denied.. No funds will giving..I dont understand why this is happenen. I dont care if they closed my account but i need my money back to pay bills..
Product: Credit reporting or other personal consumer reports

Hi my name is XXXX XXXX I submitted a complaint to you to you to notify you that I have been a victim of identity theft THESE INQUIRES NEED TO BE REMOVED. 

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 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 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 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
Product: Consumer Loan

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX dob XXXX/XXXX/XXXX Wells Fargo is NOT displaying the correct balance and payment history to all three credit agencies ACCOUT # XXXX this is hurting my good payment history please update ALL THREE CREDIT AGENCES WITH THE CORRECT BALANCE AND PAYMENT HISTORY
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : not my addresses XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, CO XXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident XXXX Single XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXXXXXX XXXX XXXX, TX XXXX Resident type Post XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Single XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident XXXX Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Single XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident XXXX XXXX family XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family FCRA XXXX : not my names 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 DIES XXXX XXXX FCRA violations : accounts are not mine XXXX Potentially negative Date opened XX/XX/XXXX Balance XXXX Status Closed. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$610.00} written off. 
XXXX  Potentially negative Date opened XX/XX/XXXX XXXX {$0.00} Status Closed. {$530.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1900.00} Status Account charged off. {$1600.00} written off. {$1900.00} past due as of XX/XX/XXXX. 
XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Account charged off. {$1000.00} written off. {$1000.00} past due as of XX/XX/XXXX. 
XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$840.00} Status Account charged off. {$840.00} written off. {$840.00} past due as of XX/XX/XXXX. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$110.00} Status Collection account. {$110.00} past due as of XX/XX/XXXX. 
XXXX  Potentially negative Date opened XX/XX/XXXX XXXX {$1500.00} XXXXtatus Collection account. {$1500.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$12000.00} Status Collection account. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$140.00} Status Closed. {$140.00} past due as of XX/XX/XXXX. 
XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$75.00} Status Account charged off. $
Product: Credit card or prepaid card

Applied for XXXX XXXX with XXXX Rewards to be used specifically to purchase XXXX Watch costing {$740.00}. Subsequently to the online application submitted to XXXX, I received a form letter, undated, not signed, without anyone 's name appearing thereon and without a designated phone number, such letter demanded sensitive identification documents be sent to a PO Box , XXXX, DE within 30 days or the credit card application would be cancelled. The identification documents they demanded were a copy of my Driver 's License/State ID, Social Security Card and a current original utility bill or bank statement with visible name and address. No explanation was given for why these documents were being required in order for the subject credit card application to go forward. 

Called XXXX 's General Inquiries telephone number to address my concerns about the contents of the form letter and why it was sent to me in the first place. My call was transferred to three different people and, finally, ended at the desk of a Security Dept. XXXX, who after listening to my concerns about potential identify theft and why this sensitive info was being requested in the first place informed me that such a requirement was consistent with their policies in some instances. I specifically asked what may have triggered this event and she refused to answer. I informed her that XXXX months back I had received a XXXX 's XXXX with a {$9500.00} credit limit without any difficulties and without any compromising hard copy identification documents being required. She hesitated while she accessed my existing credit card account that showed no outstanding balance, the card having never been used, came back to inform me that that existing credit card was now being put on hold and could not be used until they received the aforementioned identification documents. 

I ended the call my informing her that I had no intention of sending such sensitive personal ID documents to a PO Box or to a financial institution that refused to provide reasonable assurance that my identity would be secure as well as an explanation as to why such drastic steps were deemed necessary in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony has failed to retrieve the police reports from the XXXX XXXX   police department yet continue to report to the major credit bureaus debts under my name for accounts that closed due to FRAUD. Detective XXXX XXXX has verified there is ZERO request from the bank for the police reports on file. ADDITONALLY, it is major violation to report data to the credit bureaus that is NOT 100% complete and accurate under a consumer name. The Data furnisher which is Synchrony continues  to report to the 3 major credit bureaus accounts that were closed due to FRAUD anyways. They have failed to retrieve the police reports directly from the police department which is there responsibility as the DATA FURNISHER again which they havent. Cases XXXX-XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

This account is inaccurate XXXX XXXX
Product: Debt collection

On XX/XX/2020 I sent disputes with the company and they received my disputes on XX/XX/2020 as it shows according to certified mail. I was sent a letter back stating items were verified with out paper worl stating verification. I then disputed again on XX/XX/2020 in which they received certified on XX/XX/2020 they responded the same verified but sent no proof of verification.
Product: Mortgage

My original home loan started off with XXXX XXXX for a monthly payment of XXXX a month, but my loan was bought by Rushmore Loan Management service from XXXX XXXX and my notes have been going up every since then. Rushmore has been charging me for late fees when I am not late, charging me for escrow, and was charging me for home insurance when I already have a home insurance policy. Rushmore here recently made my banks checking account go into NSF because they decided to take out more then the required amount of funds for my note instead of XXXX dollars they tried to take out XXXX dollars which made me XXXX in the hole, now there saying the payment for XXXX was not received which I know it was because I have a email conformation. As for as charging me for home insurance they had to refund me back for that but I do not see where they did in my balance, I have email correspondence between Rushmore and myself for proof of this fraudulent behaver.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey, I need serious help in understanding this investigation. There is no way that you are conducting an actual investigation on this auto account I have with the XXXX XXXX XXXX. There are still several inaccuracies with the way this account is reporting on my credit report. There is no way that the same auto loan account would report 3 different negative items to the 3 major credit bureaus. Did you see the attachments? There are severely inconsistent with the payment history, DLA, DLP, questionable balance, account type. It should be " CREDIT SALES '', not " Auto Loan '' ... ... .Also, The first late payment listed on this account is wrong and you need to remove this account. Creditor stated they would remove this after payment and its still on my credit report.
Product: Checking or savings account

I received a call from wells fargo on XX/XX/2023 stating there was some fraudulent activity in my business checking account. After verifying a pin which they normally do my account was charged {$3300.00} from XXXX either in XXXX or on the XXXX website. After opening two claims and filing a police report wells fargo denied the claims, overdrew my account and then closed it. I have been a wells fargo customer for nearly a decade and this is not right. They would not give me any info or disclose why they denied my claim .I have phone records verifying the call was from wells fargo and apparently someone used their phone number to call me. I should not bve repsonible for this and the employees at wells fargo did not investigate the claim properly otherwise my claim would have been approved. Wells fargo is now threating to report my account which will affect my credit. I am pursuing legal action and will sue them for unfair practice. You can reach me directly at XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Mercedes Benz stated that the payment for XXXX was never received, however XX/XX/XXXX a payment for the entire amount of the loan was sent. We did a buyout of our lease only to find out they would not except the payment. They did not send the money back to the loan company for almost 2 months even though I kept calling Mercedes to send the money back. I was under the assumption the account was paid in full which is why no payment was sent. As a matter of fact because the account showed no balance I did not have the option to pay anything because there was nothing to pay. The account was reopened by Mercedes after 2 months before the money was given back. It is not fair to say I dont pay when I didnt have the option to pay because there was no balance. I am attaching the response from the finance company as proof.
Product: Bank account or service

We had an ACH come in from XXXX into our Checking Account at Old National Bank for {$10000.00}. ACH funds are available immediately. Old National Bank has put a hold on these funds and refuses to release the wire proceeds.
Product: Credit reporting or other personal consumer reports

I have disputed the account of XXXX OVER 5 times with Experian never received how they verified this account all other credit bureau came unverified only Experian
Product: Checking or savings account

XX/XX/2024 I called and spoke with a representative to let them know I would be withdrawing funds from my account in the amount of XXXX from an ATM in XXXX where I am traveling over a period of a couple of weeks because the limit I had on my account is XXXXXXXX XXXX  per day for withdrawal at an ATM. The representative told me that when I got ready to withdraw all I needed to do was call the bank and and ask to up my daily limit so that I could withdraw the funds at one time. 

Over the course of a couple of weeks I withdrew around XXXX using my daily limit of XXXX USD. 

XX/XX/2024 I called the bank spoke with representative XXXX to request a one time daily limit increase to {XXXX} USD. The representative told me he would have to put the request through to the visa department and have it approved before I could withdraw the funds. He asked what the reason was for withdrawing the funds, and I let him know that I was having a medical procedure here and XXXX, and would need to pay cash as cards are not widely accepted. The representative called me back and left a message letting me know my request for a one time increase in my ATM withdrawal limit had been denied by their visa risk department. 

I called back and spoke with representative XXXX and asked to know why my request had been denied, and why I was being denied access to my funds for an ATM withdrawal. The representative explained that the visa risk department does not share the reasons for the denial only that the risk was high, and the request was denied. this effectively denied me access to my funds while Im in a foreign country where there is no physical bank location. I was told I could travel to and from the ATM and get my max withdrawal for three consecutive days instead. I found this answer unacceptable and was transferred to a team lead named XXXX, who also told me that there was no way for them to tell me why I was being denied access to my funds. she again told me that I would could travel back-and-forth to that ATM and withdraw the max amount over three consecutive days and should have no issues.

I again asked why I was being denied a one time increase in my daily withdrawal limit which ultimately was denying me access to the funds within my account. She again told me she could not give me a reason why the department determined the request to be high risk. I asked if this would be a regular occurrence so that I could better prepare in case there was an emergency where I would need to have access to more than my daily limit. She was unable to answer that question for me other than to say, in the case of emergencies, those emergencies are taken into consideration.
Product: Credit reporting

I have a collection account called " the bureaus '' on my transunion credit file. The bureaus is the owner of a charged off XXXX XXXX retail XXXX XXXX store card. I defaulted on this card XX/XX/XXXX. There is no useful data in the credit file on my transunion credit report that shows me the date of first late payment, the date it was charged off, the amount of time/months the account went without payments. It only shows me the date that the collection account was open with the bureaus in XX/XX/XXXX. The bureaus phone number is not on the credit file as well. If the information for charge off date or dates of non payments are not shown how can i dispute items that are 7 years old and ready to be removed from my transunion credit file? I feel they purposely hide this information so the consumer can not be aware. In order for me to be an educated consumer and exercise my rights I need all information provided to me and not just partial information. There is very little details about " the bureaus '' collection account on my paid service to transunion credit report and I feel all information about this collection account should be revealed to me on my transunion credit report without me contacting the collection company for this basic information about my date of first late payment, the date it was charged off, the amount of time/months the account went without payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX You are in direct violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX XXXX ). 15 U.S.C 1681 section 602 A. clearly states that 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 an account without my written instructions. 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. Remove this late payments and update the accounts immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Debt collection

The credit bureaus refused to provide you their MOV ( Method of Verification ) for the XXXX XXXXXXXX XXXX Credit Card listed on my credit report according to FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) which states : if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of the information contacted in connection with such information, and the telephone number of such furnisher, if reasonably available. FCRA 611 ( a ) ( 7 ), which is used for such a request, states : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. They haven't provided any information at all showing the debt belongs to me no Contractual agreements or my wet signature showing me responsible for the debt or this account.