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 have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account name XXXX XXXX  XXXX Account number XXXX Account name XXXX XXXXXXXX Account number XXXX Account name XXXX  XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX Account number XXXX 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 an 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: Checking or savings account

I created a new business checking account with Wells Fargo. I created this account in person, in the XXXX XXXX location in XXXX, Oregon. 

I then logged into WF online banking to transfer funds into this new checking account. As instructed by the rep at WF bank, I used the transfer feature within the app. I linked my XXXXXXXX XXXX business checking account to the new WF business checking account. Small amounts were deposited and withdrawn, and I confirmed these amounts in online banking to finalize connecting the XXXX accounts. 

I then requested a transfer of {$10000.00} USD from XXXX to WF. A popup told me the request was submitted, and that the transfer would be complete in XXXX business days. I checked periodically and can see that the {$10000.00} was deducted from the XXXXXXXX XXXX account on XXXX XXXX, 2022 - but that it never landed in the WF account. 

When I called XXXX about this on XXXX XX/XX/2022, they confirmed that the {$10000.00} is in fact gone and has been pulled from my account. When I explained the situation, they insisted I call WF to have them return the money. They also explained that without a XXXX ID # they couldn't give me much more information. They explained that we couldn't reverse the XXXX, since it was initiated from within the WF online banking program. 

When I called WF on XXXX XX/XX/2022, they insisted that there was nothing to refund, as they never received the {$10000.00}. They refused to share with me the XXXX ID #. I spoke with XXXX, who placed me on hold for over XXXX hour and XXXX minutes, without much progress. He explained that on WF 's end, it shows that my transfer request " was cancelled by a banker before XXXX '' and that the transfer was " declined, '' but no reasons for these actions were given. After almost XXXX hours, XXXX said an investigation would occur and gave me the case ID # XXXX. He said I'd get an update " with the status of your investigation within XXXX business days. '' So as if this moment, {$10000.00} USD of my business ' money is lost in limbo.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, Survivor did attempt to have adverse information removed from his consumer profile. The survivor contends that there is no online dispute vehicle to process complaints via the company 's advertised dispute center. The survivor asserts that the respondents have made the process of removing and reporting adverse information very difficult and arduous task. Survivor noted that the respondents have previously removed the requested information. Through restructuring and reorganizing, the respondents have refused to comply with the bureau. 
Survivor contends and hereby states and declares that the foregoing excerpt is repugnant to the Constitution of Pennsylvania and of the United States of America and is thus XXXX XXXX. The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. ( XX/XX/XXXX, ch. 645, 62 Stat. 685. ) - [ ] Legal tender isa form of money that courts of law are required to recognize as satisfactory payment for any monetary debt. Each jurisdiction determines what is legal tender, but essentially it is anything which when offered ( " tendered '' ) in payment of a debt extinguishes the debt.

- [ ] 31 U.S. Code 5103- Legal tender United States coins and currency ( including Federal reserve notes and circulating notes of Federal reserve banks and national banks ) are legal tender for all debts, public charges, taxes, and dues. Foreign gold or silver coins are not legal tender for debts.

- [ ] ( 1 ) 18 U.S. Code 514 - Fictitious obligations- [ ] ( a ) Whoever, with the intent to defraud draws, prints, processes, produces, publishes, or otherwise makes, or attempts or causes the same, within the United States ;
Product: Debt collection

I went to the emergency room at XXXX XXXX in XXXX, MI ( it may have been XXXX XXXX at that point in time ) sometime in XXXX. At the time, I had insurance and I paid my deductible on the spot. I was also told that there was an additional charge by the physician that treated me and I paid that on the spot as well. Sometime in XXXX, I started receiving calls from Wakefield Associates - reportedly a collection agency - about a debt that I " allegedly '' owed XXXX XXXX XXXX XXXX for an emergency room visit in XXXX. This was the first problem. I was never contacted by XXXX XXXX XXXX XXXX about this " alleged '' debt, it just somehow ended up in collections. I checked my credit report and I noticed that the collection was there. I immediately disputed the collection with the credit agency and they dropped it off my report. At that time - around XX/XX/XXXX - I called XXXX XXXX XXXX XXXX and they said that I owed {$140.00}. To avoid any further calls/conflict, I paid the {$140.00} on their website ( it gives you the website when you call them ), and yes, I have the receipt. Shortly thereafter, I let Wakefield Associates know that the debt was paid ( possibly twice ) and that needed to stop calling me and contact XXXX XXXX XXXX XXXX. The calls stopped. 

Fast forward to XX/XX/XXXX, I started receiving calls from Wakefield Associates about a debt in the amount of {$140.00} that I never paid to XXXX XXXX XXXX XXXX from services received in XXXX. This made me very angry because I was certain that I paid this bill at least once. I tracked down the receipt for this bill and immediately called both Wakefield Associates and XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX said that my balance with them is {$0.00}. Wakefield Associates said that the debt was still on file. This makes me think this is some sort of scam between these two companies or at the very least shoddy accounting practices at XXXX XXXX XXXX XXXX. Either way, I'm reporting both of these companies. You can also find other people online complaining about XXXX XXXX XXXX XXXX sending their debts ( which in most cases were paid ) to collections.
Product: Credit card or prepaid card

Hello, On XX/XX/XXXX, I messaged BBVA to inquire about a credit limit increase. I thought there was a certain amount of time before a new customer is eligible for an increase and didnt want to waste a hard pull by asking too soon. 
Via messaging they told me I could ask anytime, theres no time to wait. It would be hard pull etc. thats fine. I knew I wouldnt be denied based on credit worthiness. 

So, I took the hard pull and applied and I was denied based solely on the fact that I asked too soon! Length of time accounts have been established. 

I asked why I was lied to and basically I was told too bad. It should be illegal to lie to people and have them take a hard pull and deny them based on something you said was a non factor.
Product: Checking or savings account

I am submitting this complaint against US Bank due to the disparate treatment that I have experienced in reference to my account closure. While I understand from the replies ( verbally ) that I have received from multiple Bank Representatives that all accounts that I currently have, 2 checking accounts, and one savings account, are being offset due to an overdraft amount in one checking account ( 2nd account ), I was also informed that when my Federal Pension is deposited - the one checking account that is overdrawn ( 2nd account ), that account will subsequently give the Bank authorization to hold my Federal Pension that is regularly deposited into my original 1st account. In addition, I was informed that the Federal Funds will have to be verified before release, and once released, the Bank will process a Cashier Check within 10-15 days for mailing. Specifically, this information was provided to me by the US Bank Risk Department that is handling the closure. I am not in agreement with the Bank 's decision to hold my Federal Funds, as these Funds are verifiable. This is my income that has been deposited to this Bank for over 10+ years. If I do not have my Funds released, I will ultimately be late with my Mortgage Payment, Insurance, etc., and I will hold US Bank accountable for the distress, and damages that will occur because of their action. Accordingly, I have reached out to the local Branches to speak with Branch Managers, District Manager Assist, Operations Manager, and Representatives/Supervisors at the US Bank Call Center. I have been given different dialogues, as well as being pawned off to different departments. For example, the Risk Department advised me on many calls to reach out to the Branch Managers that oversees each particular account, when I do so, the Branch Managers tell me that, that is the wrong information and they can not do anything about it, and go back to the Risk department that is closing the account. This type of activity has taken place for one week when I have tried to reach out. While I understand that the Bank has made a decision to close the account due to the overdrawn status and subsequently, my mishap of resolving the overdrawn amount, by no means am I inagreement for the Bank to withhold my Federal Pension. When the Bank offsets my account, they should re-coup what is owed to them, and release my Pension Funds immediately at time of Federal Pension deposit, minus the off-set. Additionally, I contacted my Federal Pension Personnel Department in XXXX XXXX to report the matter, and I was advised, the Banks action is illegal, and advised what steps to take to report and file. Furthermore, I also request the Consumer Financial Protection Bureau to assist with outreach of my complaint for direct resolution. Thank you.
Product: Credit reporting

Last XXXX I wanted to check my credit score before beginning my new vehicle search. I simply wanted to order a tri-merge credit report ( XXXX TransUnion, XXXX ). After I Navigated thru TransUnion.com 's website, following the links to where I can order a credit report, I was taken to a signup form that was not a one time purchase form, rather a monthly subscription form. Here lies the problem. They do n't offer a way for a consumer to purchase a one time or even receive a free credit report. They force the consumer to sign up for the membership. So, as you can guess, like many consumers, time passed and my card on file was billed, {$9.00} a month. This persisted until my wife called and complained back in XXXX about cancelling the service and being refunded for past billed months. Nothing was done. Now, on XXXX XXXX, 2017, I logged onto the website and found a way this time to cancel the subscription. I called again to complain to TransUnion about why I 'm still being billed for this service which I never asked to receive and to confirm my account was this time cancelled. After speaking with the customer service person, she said confirmed the account was indeed cancelled. I proceeded to ask her about the funds from XXXX to present that were paid ( {$9.00} x 7months = {$69.00} ). She said that I signed up for a monthly membership service. I then told her I signed up to pay a 1 time fee for a trimerge credit report. After explaining to her that a consumer can indeed just order a onetime report, I asked her again for a refund. This time she complied and said she could only credit back 4months. I was astounded! I ca n't believe after discovering this formal complaint this morning that she would even try to retain me or offer only 4 months reimbursement for fees paid. I said that was not good enough for me, and that I needed to be refunded the entire amount. She then tried to get an EXCEPTION for this refund for all 7 months and said she was successful. I 'm writing today to point out that even with this complaint against XXXX and TransUnion, they are still providing deceptive practices. I should n't need to walk the customer svc agent thru the steps to ordering a report and indeed you are forced to signing up to their membership service. This is a SERIOUS problem and needs to be recognized by these companies in a public way. If there is a class action lawsuit regarding these events that happened to me, please include me as I will gladly participate in helping prevent this from happening again to consumers. Its simply not tolerable for someone who is trying to see their credit score and being duped into paying for an unwanted monthly service ( credit monitoring ) which i never used.
Product: Credit reporting or other personal consumer reports

To begin, per the FRCA, as a Federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given any of the Credit Bureau 's, written, un-written, verbal, non verbal, per 15 USC 6802. According to the Privacy Act of 1974, I have the right to privacy on Third Party Reporting Agencies putting derogatory or negatively impacting information ; as well as The Fair Credit Reporting Act 15 USC 1681 ( a ) and ( b ) that the credit reporting agencies can only place information about me, the consumer, with my written consent or else it will effective banking industry. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. I have a side by side proof things have been mis-reported and I have attempted to dispute all of these inconsistencies with the XXXX companies. Equifax, XXXX and XXXX all have different information, some identity theft, some fraudulent activity and some reporting that I did not request. Equifax Request confirmation number : XXXX. I disputed with Equifax on multiple names that I did not put into their system, nor did I give them permission to use mis-spelled names. There were multiple un-mailable addresses included in my report with Equifax that they say were updated before my dispute. They were not updated. They have multiple hard inquiries I did not allow and therefore, identity theft and false reporting is still occurring today. There are multiple dates of inaccurate reporting and delinquent mortgage accounts on Equifax. NR and Untied wholesale both have late payments which have been disputed because they are not my debts. I have never had a XXXX Card and it's on my Equifax file as a closed account, which must be identity theft. As well XXXX, XXXX. I have received absolutely no correspondence from them.
Product: Credit reporting or other personal consumer reports

i recently checked my report and was alarmed to find accounts that do not belong to me preventing me from obtaining credit. Please remove these fraud accounts permanently it really affecting my credit and ability to live. I am very XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to access a credit report from Experian. They notified me they were unable to provide me with a report due to lack of information XXXX. I received a debit in my checking account for $XXXX, I was told my report was FREE. I spent 20 minutes attempting to contact Experian with no avail. I am XXXX and $XXXX is a lot of money to my family.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX 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, XXXX '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 XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Date XX/XX/20 Attn : CFPB Consumer Relations Department To Whom It May Concern I am reaching out because as of now, I did not receive any response or notice from three Bureaus Credit Reporting Agencies for my disputes with them. They are stating that these accounts are under investigation. But I still have not received any updated letter from the Beaurus and creditors.

Inaccurate account information, balances, last payment status, and default dates for all the accounts listed below are being shown. The agencies investigated it, but I did not hear back from credit report agencies and creditor.

I have listed out the accounts and my reasons for disputing them below. Since this is my second request with CFPB to resolve this matter, I am expecting to receive responses in a timely manner this time. Thank you for your help in this matter. Please see my list for dispute below : Credit reporting agency name : TRANSUNION Alleged account # ( 1 ) XXXX Creditor XXXX XXXX, account type : Revolving. 

( 2 ) XXXX Creditor XXXX, account type Revolving. 

( 3 ) XXXX Creditor XXXX  account type revolving. 

( 4 ) XXXX Creditor XXXX RE ( Original creditor 08 XXXX XXXX XXXX  ) Account type : Collection
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the validity of several accounts that have been reported on my credit report. The accounts in question are : XXXX XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX  XXXX Charge Off Account XXXX XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX  XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX  FL XXXX XXXX XXXX Bankruptcy XXXX XXXX I believe that the reporting of these accounts is in violation of several laws, including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

According to the FCRA, all information reported on my credit report must be accurate, complete, and verifiable. I have reason to believe that the information reported on these accounts is inaccurate and incomplete. Additionally, the FDCPA requires that all debt collectors treat consumers fairly and prohibits certain practices, such as harassment and misrepresentation. I believe that the reporting of these accounts may be a violation of the FDCPA. 

Therefore, I am requesting that you investigate these accounts and provide me with evidence that the reporting is accurate, complete, and verifiable. If you can not provide such evidence, I request that you remove these accounts from my credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card

I received communication via mail from Capital One on XX/XX/2024. 

Please forward the below attached correspondence to Capital One. This is my response to their correspondence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I contacted XXXX and Equifax on XX/XX/XXXX to alert the fact that I had multiple credit inquiries that I did not authorize. The customer service representative would not assist in investigating or helping remove the unauthorized inquiries.

Below is the list ( by company, inquiry date, etc ) : XXXX : XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/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- XX/XX/XXXX XXXX/XXXX- XX/XX/XXXX XXXX/XXXX- XX/XX/XXXX , XX/XX/XXXX, XX/XX/XXXX XXXX/XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX/XXXX-XX/XX/XXXX XXXX/XXXX-XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX-XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX-XX/XX/XXXX Equifax : XXXX XXXX XXXX XXXX-XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX- XX/XX/XXXX XXXX-XXXX- XX/XX/XXXX XXXX XXXX, XXXX XXXX-XX/XX/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-XX/XX/XXXX XXXX-XX/XX/XXXX, XX/XX/XXXX XXXX XXXX- XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXT Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX has 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 an account without my written instructions.
Product: Debt collection

WORTH FINANC Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX I am writing to dispute several inaccuracies and incomplete information that I have discovered upon reviewing my credit report. 
It has come to my attention that there are discrepancies within my consumer file pertaining to the following accounts : Listed above These discrepancies have raised significant concerns regarding the vital role of credit reporting agencies in ensuring that the information furnished is fair, accurate, and complete. As per my rights under the Fair Credit Reporting Act ( 15 USC 1681 ), I am formally requesting a thorough investigation of the aforementioned accounts. 
Furthermore, I am requesting VERIFICATION and VALIDATION of each account listed above. It is imperative that you provide me with the name and title of the person who certified that these accounts have been VALIDATED and VERIFIED. 
If, upon thorough investigation, you are unable to VERIFY or VALIDATE the aforementioned accounts, I kindly request that you promptly delete them from my credit report. 
I expect a timely response to this matter in accordance with the provisions outlined in the Fair Credit Reporting Act. Please acknowledge receipt of this dispute within 30 days and provide updates on the progress of the investigation. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX