23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Wells Fargo Bank has approved and charged me for multiple transactions that I did not do. It has been going on for a year or more, thank Bank gives me very little information regarding my account. Im terrified to be shown my investments, I never get information with this. I filed a claim, multiple claims, and the total came out to over {$10000.00}. This put my life in extreme hardship. I am a XXXX year old XXXX XXXX, ( XXXX ) and I have done everything from filling dispute against the bank and going back and forth with numerous companies. There have been many problems and I have been mocked by their company. ( phone calls, customer service ) that wont help or even though you see the fraud, the department is closed are things I have been told on their recorded lines. 
I have copies or bank statements and more but I have never been able to get information on Certain accounts, and I feel at this point my money is being stolen from me.
Product: Mortgage

XXXX Ally bank complaint This a follow up to the above complaint. Their reply is a 100 % lie. Not only did they butcher my income but apparently that is how you do it I offered to pay every single debt ( every one ) which would put me at a XXXX  DI they gloss right over this fact. They are straight up lying and as I figured you guys are backing them 100 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

An authorized inquiry was found on my credit report and after requesting the initial source to investigate and have it removed, they didn't. Instead I was sent a rebuttal letter ( lazy letter ) instead of providing the written proof of authorization.
Product: Checking or savings account

Every month Wells Fargo started charging me XXXX  XXXX or more to have a free checking account. Ive been with XXXX and XXXX XXXX for over 20 years. I never agreed to begin getting charged for this. Did not authorize this charge or overdraft fees associated with this bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Although I appreciate your efforts to update and correct some of the information on my credit report, there are still some problems. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), the 3 credit bureaus are required to verify these items. I'm hopeful that these contentious issues will be resolved as quickly as feasible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$7000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$36000.00} XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, NV XXXXXXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXXXXXX XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$7000.00} XXXXXXXX XXXX XXXX Balance : {$36000.00}
Product: Credit reporting or other personal consumer reports

I have contacted Transunion about account ending in XXXX that was opened fraudulently on my credit. I haven't authorized or have any knowledge of the account. I am requesting that it be removed by my account immediately.
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

CREDENCE RESOURCE MANA XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX XXXX  Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX XXXX XXXX XXXX CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize, nor benefit from any of the following Inquiries and Accounts. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy and 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : XXXX Date Opened:XX/XX/XXXX Amount : {$18000.00} US DEPT ED Date Opened : XX/XX/XXXX Amount : {$1400.00} US DEPT ED Date Opened : XX/XX/XXXX Amount : {$6600.00} XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$550.00} CHLD SUPP VA Date Opened : XX/XX/XXXX Amount : {$46000.00} XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX Date Opened : XX/XX/XXXX Amount : {$280.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX  : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am writing this statement on my own behalf. I am a victim of identity theft. I am writing to compel in accordance with the Fair Credit Reporting Act Section 603 and 605A ( b ) that my report be updated as soon as possible. I have not nor have ever received and/ or authorized the release of any goods or materials under these listed accounts. I wish to dispute these fraudulent accounts under the provisions of the law and am requesting a free copy of my report and all information in this matter. 

The fraudulent accounts are as follows : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXXDEPT OF ED, XXXXDEPT OF ED, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX
Product: Checking or savings account

THE RESPONSE ON CFPB ENDING ON XXXX WAS A COMPLETE LIE ON THE PART OF XXXX XXXX. THE CLAIM WAS FILED ON XXXX/XXXX/XXXX ON THE FRAUDELENT TRANSACTIONS AND XXXX XXXX CLOSE THE ACCOUNT ON THE SAME DAY AND HAVE COPY OF THE LETTER THEY SENT ON THE SAME DAY. ON XXXX/XXXX/XXXX THE CLAIM WAS DENIED ON THE NEXT DAY AND STATED THEY WERE GOING TO REVERESE THE XXXX CREDITS OF THE 36 TRANSACTIONS ON XXXX/XXXX/XXXX. ON XXXX ANOTHE RLETTER WAS SENT SAYING THE SAME THING AS THE LETTER DATED XXXX/XXXX/XXXX AND STATNG THE THE ACCOUNT WAS CLOSE ON XXXX. 
1-LETTER ACCOUNT WAS CLOSED ON XXXX/XXXX/XXXX DUE TO FRAUDELENT ACTIVITY TEMPORARY CREDIT IF ACCOUNT CLAIM IS FOUND VALID. 
XXXX XXXX/XXXX/XXXX CLAIM RESOLVED AND ATM CARD ENDING ON XXXX. WILL REVERSE THE CREDITS BY XXXX/XXXX/XXXX XXXX LETTER DATED XXXX/XXXX/XXXX SAME AS # 2 CLAIM RESOLVE AND REVERSE CREDIT WILL BE DONE XXXX LETTER ON XXXX/XXXX/XXXX STATING THE ACCOUNT WAS FOUND THAT ALL FRAUDELENT WAS WAS IN FACT ILLEGAL AND THE CREDITS WERE PERMANENT. HOWEVER THAT NEVER HAPPEN. 
THIS ACCOUNT WAS CLOSE XXXX XXXX/XXXX/XXXX BY XXXX BANK DUE TOFRAUDELENT ACTIVITY. THE RESPONSE ON CFPB STATED THE ACCOUNT WAS CLOSE ON XXXX/XXXX/XXXX AND THAT WAS A LIE VERY SIMPLE ON XXXX ON THE ACCOUNT THAT WAS CLOSE ON XXXX/XXXX/XXXX BANK SHOWS THAT THERE WERE CASH XXXX CASH WITH DRAWL S ( SE STATEMENT ) ON FOR XXXX ON XXXX/XXXX/XXXX AND ANOTHER ON XXXX/XXXX/XXXX FOR XXXX AND ANOTHER FOR XXXX WHO DID THIS WAS NOT ME IT WAS XXXX XXXX XXXX. AND IS ALSO OTHER FRAUDELENT ACTIVITY BY WHOM EVER
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Under 15 U.S. Code 1681i, paragraph 5, Treatment or univariable information ( A ) of inaccurate if the completeness or accuracy of any item of information in a consumers file at a consumer reporting agency is disputed by the consumer, the agency must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. If it is found to be inaccurate, the agency must record the current status of the disputed information or delete the item from the file.

Pease remove the following items from my credit report immediately or delete the account. 
XXXX XXXX Accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion, and XXXX are all illegally reporting my information without my consent. Violating FCRA laws it is under my understanding that all debts that have been paid in full can not be reported as late nor can any debt be reported without my consent that is a violation of the law and considered identity theft. according to 18 U.S. Code 8 - Obligation or other security of the United States defined U.S. Code Notes prev | next 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/1948, XXXX. XXXX, XXXX XXXX. XXXX. )
Product: Money transfer, virtual currency, or money service

Attempted to transfer {$6000.00} to Roth IRA account at XXXX XXXX via wire transfer from XXXX  XXXX XXXX on XX/XX/2022, Wells Fargo is the bank that handles XXXX 's wire transfers. The account was verified at XXXX  XXXX XXXX and transfer was initiated but was rejected with the amount returned {$5900.00}. There was no disclosure of the exact amount of fee for rejected wire transfers by any bank. This transaction took 10 minutes for {$50.00} profit for Wells Fargo and I never received the service of monies transferred. The account was verified and if the wire went through there is no charge, so why charge for a rejection?? Nevertheless, I attempted to call XXXX  XXXX XXXX and they said it was Wells Fargo who charged the {$50.00}. So I called XXXX and they said even though Wells Fargo handles the wire transfer for brokerage account they can't return the {$50.00} since this is Wells Fargo fee and call Wells Fargo. Called Wells Fargo and they said since I don't have any accounts with them, they can't help me. I told them it was there bank who charged the fee so someone over there should be responsible to talk about wire transfers... they said sorry, can't help. The federal wire transfer # is XXXX and the XXXX  XXXX XXXX transaction Item # : XXXX. Wells FargoXXXX never stated the amount of fee to the consumer or I would have avoided this mishap, let alone say account is verified which can deceive consumers into sending wire transfers thinking everything looks ok.
Product: Debt collection

GM Financial with the amount {$72000.00} does not belong to me, identity theft issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery Associates LLC Violations of my rights as a furnisher. 
Collection agency reported the debt with an incorrect date of last activity on your credit reports. Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumers dispute that the furnished information is inaccurate or incomplete. I will use all the CFPB for evidence in legal matters. Removed from all consumer reporting agencies and monetary relief. Violations 15 U.S. Code 1681s2 -Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

First Acct # XXXX Date of last active XXXX has XX/XX/2025, XXXX has XX/XX/2025 and XXXX has XX/XX/2025. 

Second Acct # XXXX date of last active as XXXX has XX/XX/2025, XXXX has XX/XX/2025, and XXXX has XX/XX/2025.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  and experian are incorrectly reporting an account that is not mine, I have reached out the past 3 months to the bureaus with no response as of yet. I am currently in the process of filing a law suit with ( XXXX  XXXX  XXXX  XXXX located in XXXX Pennsylvania against the bureaus for negligence.My lawsuit includes will include the following names : Experian- XXXX XXXX XXXX Operation supervisor XXXX XXXX Vice President and associate General Counsel XXXX XXXX Senior vice president enterprise fraud ID theft XXXX XXXX Vice president and group counsel XXXX XXXX XXXX XXXX Corporate Vice president Chief Legal officer XXXX-XXXX  XXXX Executive Vice president XXXX XXXX Director fraud and identity management All the following will be named in lawsuit if the following are not removed, This situation has ruined my credit worthiness and prevented me from getting a home. The house my family and I was under contract to buy was sold due to the fact that we could not get this account removed from my credit report.in time before closing. I am extremely upset and will stop at nothing to get this account removed immediately.. If this account is not removed immediately i will continue with my law suit as followed.. The bureaus have failed to provide the proper information in removing this account while also violating the FCRA. Keep in mind that i have already opted out of arbitration. So my grounds to sue are valid. please assist me in removing this account immediately XXXX/XXXX  XXXX $ XX/XX/XXXX closed account this account is reporting on all 3 bureaus also address that I dont recognize XXXX XXXX XXXX XXXX XXXX  XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX PA XXXX Inquires that were unauthorized XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Payday loan, title loan, or personal loan

on XXXX XXXX 2017 inbox loan has emailed my boss a wage assignment letter in order to pay back the loan including the high interest and principal. I called the collection company that emailed my boss and was told that I could not make a payment plan and that I would be taken to court to collect the loan with the interest and principal.
Product: Credit reporting or other personal consumer reports

Dear Experian, I am submitting this formal complaint regarding your failure to comply with Section 605B of the Fair Credit Reporting Act ( FCRA ). Despite submitting XXXX separate disputes via the CFPB ( XX/XX/XXXX and XX/XX/XXXX ), calling their customer service, and submitting a letter through their dispute portal ( XX/XX/XXXX, Experian has failed to remove the following fraudulent accounts, which should have been deleted within four business days of my initial dispute : XXXX. XXXX Account XXXX. XXXX Account XXXX. XXXX Credit Date Reported : XX/XX/XXXX XXXX. XXXX XXXX Date Reported : XX/XX/XXXX XXXXXXXX XXXX XXXX Date Reported : XX/XX/XXXX I have provided Experian with all necessary documentation, including my proof of identity, and an FTC Identity Theft Report. Despite these multiple efforts, these fraudulent items remain on my credit report, and I am still awaiting a proper resolution. Under Section 605B of the FCRA, once valid documentation is provided, fraudulent information must be removed from the credit report within four business days. This has not happened.

Experians current legal challenges with the Consumer Financial Protection Bureau ( CFPB ) further demonstrate a pattern of noncompliance with consumer protection laws. This behavior reinforces my concerns that you are not treating my dispute seriously or fairly. Should this matter not be resolved immediately, I am prepared to take legal action against Experian by filing a lawsuit. 

Your negligence directly affects my credit profile and financial well-being. I have escalated this matter to the CFPB to ensure oversight and resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CONSTANTLY CHECK MY CREDIT FILE NOW AND I LOOKED AT MY REPORT AND NOTICES A LOT OF ACCOUNTS THAT JUST POP UP ON MY CREDIT FILE ( WOW ) THESE ACCOUNT TRULY DO NOT BELONG TO ME I HAVE CONTACTED XXXX  IN REGARD TO THIS MATTER VIA CERTIFIED MAIL AS WELL AS NOTARIZED AND THEY STILL HAVE NOT DONE ANYTHING WOULD THIS HAVE TO DO WITH THE XXXX BREACH? IF SO WHY WANT THEY HAVE SYMPATHY FOR THE CONSUMERS WHEN WE TELL THEM THE TRUTH THE CREDIT BUREAUS SUPPOSE TO PROTECT THE CONSUMERS XXXX DO NOT DO ANYTHING AT ALL TO HELP THE CONSUMERS ALL IT TO THEM IS A MONEY MARKET
Product: Credit reporting, credit repair services, or other personal consumer reports

This account does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I sent in dispute letters to all 3 credit bureaus, only to receive 3 letters from Experian, and XXXX on XX/XX/23, XX/XX/23, and XX/XX/23 advising they thought the dispute letters had not come from me, and the letter from them stated, they would not investigate my inaccuracies on my credit report, a clear violation of the FCRA. This is a continuing tactic of the credit bureaus, especially with XXXX and Experian. I included a copy of my ID and proof of address with all the letters sent.
Product: Credit reporting or other personal consumer reports

I noticed several unauthorized inquiries on my credit report. that I would like removed. According to the FCRA, these unverified and unauthorized items must 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
Product: Debt collection

They have called from numbers that are NEVER identified with caller ID. I have instructed them to cease & desist calling me. I do not owe this firm.
Product: Credit reporting or other personal consumer reports

I filed bankruptcy chapter complete and XXXX the debt is over XXXX yrs old company still refuse to delete
Product: Checking or savings account

Synchrony Bank had an issue with their website that resulted in my IRA funds being put into a non-IRA CD. ( Clearly, the web designers never talked to the IRA department about the differences between opening an IRA CD and a non-IRA CD. The problem has long since been corrected. ) When I finally got someone to move the funds into the proper IRA CD, I was penalized {$1800.00} for an early withdrawal. Yes, I was being penalized for their mistake. The customer rep acknowledged the problem and said he would get back with me. He never did. Over the past three years, I have called Sychrony many times and have written two letters to senior managers. Only one person has contacted me and like everyone else in the company, she forwarded my complaint to someone who has yet to call me back ( after three weeks ). Synchrony 's pattern of arrogance towards its customers is undeniable.
Product: Credit card

Between XXXX XXXX XXXX, my account received fraudulent charges. By XXXX, Citibank had resolved the issue. 

In XXXX, I received an alert that my account was overdue by 30 days for {$2.00}, and my XXXX XXXX dropped on all XXXX bureaus. Additionally, I received a letter stating that my {$10000.00} credit limit was decreased to {$350.00} due to my account being delinquent. However, my account became delinquent due to an interest charge that Citibank issued me on a fraudulent charge. 

After over XXXX XXXX minute phone calls, over XXXX transfers to different departments and people, and contacting them every way I can other than by mail, the charges have been removed, but my credit report still shows a late payment and my credit limit is still {$350.00}. 

They have done nothing to own up to the mistake or to even help me reach a resolution. This is my final step before filing a civil lawsuit for the damages that have been caused by Citibank to myself and my credit. Ive
Product: Debt collection

Bloomingdales has violated my rights. Bloomingdales has failed to provide proof that this account belongs to me. I will be consulting with a consumer attorney as well as writing the Attorney General office regarding this company. I will not pay for something that I did not authorize.
Product: Checking or savings account

XX/XX/2024 I visited an atm by Pnc Bank, which I'm not a customer. I used my XXXX XXXX  card to retrieve money from my account. I just got out the hospital and I'm physically XXXX. So I went to reach for the money and couldn't reach it. I tried to get out my vehicle as fast as I could but the atm shut the metal door and ate my money. I filed a dispute and they are not trying to return my money. I called pnc who gave me the run around to call my bank I did file a dispute they denied me. There is a camera and proof that they took my money. I need help please.