23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Wells Fargo calling from phone number XXXX, keeps calling and hanging up without speaking. When I finally called back and told them this is a Federal Government office ( USPTO ) and to stop calling ( as I do n't have any loan or any dealing with Wells Fargo ), they refused to agree. Instead, they demand to know my name ( first name ). I told them to instead give me the name of the person they are trying to call. But they refused. Generally, they call several times a day and hang up whenever I answer.
Product: Student loan

I have been receiving harassing, threatening and XXXX threats telephone calls from U S Bank representatives in regards to an account and debt of {$7300.00} I do not owe. The account or debt do not belong to me. I am a victim of identity theft.
Product: Credit card or prepaid card

I applied for a credit card and was approved prior to XX/XX/2019. After activating the card received in the mail, I found there was a freeze on the card. I called the issuing bank and was told I need to verify my identity by submitting documents via email. I promptly complied. I have since been sent a bill from the issuing bank for the {$140.00} annual fee on the card that I promptly paid. Tried using the card a week later and charges are still being declined. Called the issuing bank again and they asked for the documents to be emailed to them again. I promptly complied. It has been almost 1 month since I opened the account and was charged/paid for the annual fee and I still have no use of the credit card whatsoever. No contact has been attempted by the issuing bank to resolve the matter and I have been charged/paid for a card that does not work. I was also entitled to a bonus offer where I must spend a certain amount within 90 days which has been shortened to 60 days because of their inability to unlock my account. I have no issues with this bank, my credit history, or any lender/bank and find this behavior to be unfair to the consumer. I've paid for something that can't be used and not been given a chance to earn the same bonus offer as other consumers with the exact same card and offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did a dispute with Experian regarding an account that is not mine and it has been more than 60 days and no response. Experian disregarded the law by not responding to consumers disputes, hopefully this will be the last time they do that.
Product: Mortgage

United Wholesale Mortgage Company has not paid my homeowners policy, and allowed it to lapse this was after they sent me an email guaranteeing me they would pay the amount owed. I then received a letter from XXXX  stating they purchased a policy for me due to nonpayment. I called the customer service number and spoke to XXXX XXXX who again guaranteed me they would send a payment overnight. That was on XX/XX/2022 and the payment has not been made. I have all of the email communications between my insurance broker, and the XXXX customer service team.
Product: Vehicle loan or lease

We purchased an automobile from XXXXXXXX XXXX XXXXXXXX XXXX, and financed the auto loan through Credit Acceptance Corporation. We purchased the extended warranty. After driving the vehicle only XXXX miles, the engine went out. A mechanic communicated with the warranty company on the needed repairs. The warranty company refused to authorize ( we later found out the warranty company is owned by Credit Acceptance ). We contacted Credit Acceptance to see what our options were. We could not afford to make XXXX  XXXX monthly payments AND pay a very costly engine repair bill, but if we didn't fix it, the vehicle was not driveable. We continued to make our monthly payments on time for months while this all dragged on, even while not being able to drive the vehicle in question. Credit Acceptance basically told us that we could either pay for the repairs or voluntarily give up the vehicle. They offered no other recourse or alternative solution. They told us to take it up with the car dealer, but by then, they had already closed and filed for bankruptcy. We ended up doing a voluntary reposession. We had to have the vehicle towed from the mechanic shop with the dissassembled engine in the back. They immediately turned around and resold the truck at auction for much less than fair market value. They then sued us. We got a lawyer, and the lawsuit was dismissed. We have disputed this on our credit report multiple times and they are unwilling to remove this from our report, which is affecting our ability to purchase a home. We had another loan with Credit Acceptance at the same time that was paid on time every month and eventually paid off. We attempted everything we could to resolve this and they refused to work with us, refused to honor their warranty, and the auto dealer went out of business and filed bankruptcy. So now, because we were unlucky enough to buy a lemon from an unscrupulous dealer with a loan from an unscrupulous lender, we can not buy a home. We spent thousands to pay an attorney to keep them from suing us, not to mention all the months we paid for the auto loan and insurance on a vehicle we could not drive.
Product: Debt collection

I have disputed this account with all the credit bureaus and only 1 removed the account for its falsehood. The other 2 credit reporting agencies are still reporting this false debt even though it's been proven to be an account opened from identity theft.
Product: Credit reporting or other personal consumer reports

I have several inquiries that were not requested or made by me. 
XXXX on XXXX XXXX XXXX did not authorize. 
XXXX. XXXX XXXX XXXX XXXX I did not authorize. 
XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX. XXXX  i did not authorize. 
XXXX. XXXX XXXX XX/XX/year> I did not authorize. 
XXXX XXXX XXXX XXXX I did not authorize.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> a company called XXXX performed a hard inquiry on my credit report. I did not initiate or solicit this. I do not know who this company is. I have not solicited ANY credit in a long time. Plus, the information used to solicit my report was several years old, including using a former last name ( I changed my last name XXXX years ago ), as well as an old phone number and old address. In looking up XXXX, I learned they are a bottom-of-the-barrel company with a sketchy reputation who targets subprime customers. When I called them to discuss the issue, the recording that answered initially stated it was XXXX ; when I pressed the button to speak with an agent, a new recording came on telling me I was being transferred to the XXXX Department. I knew instantly this was a scam, so I called XXXX and disputed the inquiry and am following through with the other credit bureaus as well and filing this report. I work hard to keep my credit the best it can be, and I take this breach very seriously. I would like this removed immediately from my credit reports at all XXXX bureaus. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX XXXX XXXX {$280000.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$3300.00} XXXX XXXX {$1300.00} XXXX XXXX {$930.00} XXXX XXXX  XXXX XXXX {$4600.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$140000.00} XXXX  XXXX XXXX {$5400.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00}
Product: Checking or savings account

XXXX XXXX : XXXX XXXXXXXX XXXX XXXXXXXX ( Bank ) XXXX I've only had wells fargo bank account also I've had state employee XXXX XXXX XXXX XXXX lived in North Carolina XXXX haven't had XXXX bank XXXX XXXX bank XXXX XXXX bank, XXXX XXXX XXXX XXXX IVE NEVER OPENED THESE ACCOUNTS ON MY OWN NOW I CANT GET A BANK ACCOUNT. Can we please resolve this asap.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my credit report that is the results of Identity theft, XXXX data Breach and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX # : XXXX XX/XX/2024 XXXX central time The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, And all hard and soft pulls as well as regular inquiries I looked at my TransUnion credit report on XXXX XXXX 2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 am a 15 year customer with Bank of America and recently found myself needing to dispute multiple unauthorized/fraudulent transactions that occurred on XXXX. I called the rep, explained the situation and explained i do use XXXX  and separated which transactions were authorized vs unauthorized. Prior to all of this I had cashed out my XXXX and my balance was much higher than usual which is why it took me so long to recognize the fraudulent transactions. The amounts were small in nature and as I do business with XXXX  on occasion it wasn't until thoroughly looking over my bank statements that I realized how many transactions had occurred without my knowledge. I checked these transactions against my XXXX  account and realized which were mine and which were fraudulent. I called the bank to replace my card and begin the dispute process. They advised me 90 days to make a final decision. As this is my First time disputing Anything with BofA in my 15 years as a customer I anticipated a quick resolution. I received an email stating the temp credit applied was now permanent so I considered the matter resolved. After this, I started receiving notifications that they had denied my claim. I called, spoke with a rep in their dispute dept who was completely confused as to why my claim was denied ( listen to the call and hear for yourself ). He stated the denial reason was based on the fact that I had been ordering XXXX since XXXX  ... I never disputed the fact that I ordered via XXXX and went into detail with initial rep I spoke with in order to separate legitimate vs fraud transactions. That was the entire basis of the denial of the claim, that I had done business with XXXX  previously. This is ridiculous. I work in fraud and have also done dispute investigations ( check my XXXX  profile- 4 yrs of fraud experience with XXXX XXXX ). I understand what a reasonable investigation entails and this was not done in this instance. There were nearly XXXX dollars in fraudulent transactions. All that needs to be done is to verify with XXXX  that these orders did not originate with my XXXX  profile, you can also verify the device ID/geolocation of where these transactions originated and they will not align with my XXXX, XXXX  residence . I have to authorized anyone to order from XXXX  on my behalf or with my authorization. The rep reopened my claim but absent of a reversal of the previous decision and making the outcome right for a longstanding customer I will continue to escalate this issue. This should stand out as fraudulent to Any fraud/dispute rep worth their salt. It's called XXXX XXXX XXXX and you can verify this based on my previous usage with XXXX  ... XXXX dollars in a matter of a month/ month in a half is a glaring fraud indicator. Please make this right, never in my life have I had to deal with something like this and it's been incredibly stressful and time consuming. I will await a response from BofA in regards to the matter and will further escalate as necessary. 

Best, XXXX
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I was injured on the job in 2019 due to a XXXX injury to my XXXX that put me out of work. i applied for XXXX and was denied. i am in the process of appealing this decision. i have communicated with shellpoint newrez and they have helped a little. now they are saying that i owe XXXX my wife is the only one that works and makes little money. we also have XXXX girls that rely on us. i noticed that shellpoint is not applying partial payments and it says " unapplied funds ''. why cant these be applied when i am struggling to pay my XXXX mortage??? please help
Product: Money transfer, virtual currency, or money service

I RECEIVED A CALL FROM WELLS FARGO FRAUD PROTECTION ON XXXX XXXX, XXXX ASKING IF I AUTHORIZED A CHARGE FOR {$500.00} IN MY CHECKING AND {$200.00} IN MY SAVINGS. I REPLIED NO. THEY SAID THEY WOULD SEND ME A TEXT WITH A CODE TO READ IT BACK TO THEM. ONCE I DID, I ASKED WHAT HAPPENS NEXT AND THEY HUNG UP. I IMMEDIATELY CALLED WELLS FARGO TO REPORT THE FRAUD AND GOT TWO CLAIM # 'S. THEY SAID IT WOULD TAKE 7-10 BUSINESS DAYS FOR THEM TO INVESTIGATE. THEY GAVE ME NEW ACCOUNT FOR CHECKING AND SAVINGS AND SET UP PASSWORD AND USER ID. MONEY WAS TRANSFERRED TO NEW ACCOUNTS AND ON THE 7TH THE TRANSACTIONS WENT THROUGH XXXX. THIS COULD HAVE BEEN STOPPED BUT THEY LET IT GO THROUGH AND NOW THEY DON'T WANT TO GIVE ME MY {$700.00} BACK. THIS WAS ALL THE MONEY I HAD SAVED FOR MY XXXX GRANDCHILDRENS XXXX. I HAVE BEEN A CUSTOMER SINCE XXXX. THEY SHOULD BE PROTECTING ME, NOT THE XXXX
Product: Credit card or prepaid card

There was a fraudulent charge placed on my Barclays Jet Blue card ending XXXX. On XX/XX/XXXX {$100.00} was charged to my account said XXXX XXXX on the statement. I had a XXXX balance on the account before this fraudulent charge was placed. Barclays has not removed the charge and have added {$40.00} each month late fee. 
My credit score has dropped 84 points due to this crime.
Product: Credit reporting or other personal consumer reports

Subject : Dispute Regarding Noncompliance and Civil Negligence Under 15 U.S. Code 1681o To Whom It May Concern, I am writing to formally dispute the inaccurate credit reporting by XXXX that has severely impacted my credit profile. I have previously reached out to the reporting companies directly and disputed these inaccuracies with all three major credit bureaus. While XXXX and XXXX have already corrected the errors, XXXX has not taken appropriate corrective action. 

Under 15 U.S. Code 1681o, entities that negligently fail to comply with the Fair Credit Reporting Act ( FCRA ) are liable for actual damages, legal costs, and attorneys fees. It appears that XXXX has failed to uphold its obligations by continuing to report inaccurate information, which has led to significant harm to me. 

As a result of this negligence, my credit score has severely decreased, despite my lifelong efforts to maintain a strong credit standing. This has caused me considerable financial hardship, including difficulties in accessing credit. 

Given the severity of this matter, I am seeking an immediate resolution. Specifically, I request : XXXX. The removal of each inaccurate item from my credit profile as reported by XXXX. 
2. Written confirmation that these inaccuracies have been fully addressed and corrected. 

If this matter is not resolved promptly, I will consider further legal action, including seeking damages as permitted under 15 U.S. Code 1681o. Please consider this letter a formal notice of XXXX failure to comply with federal law and a demand for immediate corrective action. 

I expect a response within 30 days as required by law. If you need further details, please contact me at the information provided above. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I had checked my credit report, in regards to working on improving my credit and Ive noticed some things on my credit report were complete and accurate and some things reported I did not recognize. In XXXX I filled a dispute-in regards to these accounts and I notified them that this is not my account. After waiting 30 days they notified me that the accounts in question were accurate and verified. I did not agree with that and filed a 2nd dispute in XXXX requesting evidence to support there claim. Once again they gave me the same response without any type of evidence to support there claim. These accounts are not mine and im requesting them to be removed. I would like to know how they verified these accounts. 

The following accounts are : XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights XXXX 

15 U.S.C 1681 section 602 A. States I have right to privacy. 

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

RECENTLY I LOOKED AT A COPY OF MY CREDIT REPORT AND NOTICED SEVERAL INACCURACIES ON MY ACCOUNT. THIS ACCOUNT IS HURTING MY ABILITY TO OBTAIN CREDIT. IT IS MY UNDERSTANDING THAT YOU WILL INVESTIGATE THESE ITEMS FOR ME TO ENSURE ACCURACY. 

HERE IS THE ITEM I AM ASKING YOU TO VERIFY AS ACCURATE : ACCOUNT NAME : XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX
Product: Mortgage

XXXX XXXX XXXX is using an internet appliance from XXXX. It appears that the internet appliance is blocking connections from international IP addresses. This is a problem for folks that have a VA loan that are XXXX XXXX. It makes maintenance of the mortgage impossible without using a XXXX, most of which are sketchy at best. I have sent numerous emails to the company over the past 45 days and received no response aside from automated responses stating the email address is no longer valid. Attempts to reach the mortgage company website result in 403 error, stating the web page is BLOCKED
Product: Checking or savings account

Subject : Urgent Complaint Regarding Unauthorized Transactions and False Insufficient Funds Notice To Whom It May Concern, I am writing to file a formal complaint regarding several unauthorized electronic transactions, that were debited, from my Wells Fargo account, along with a false insufficient funds notice I received, which caused significant confusion and financial hardship. 

On XXXX XXXX, 2025, I received an unexpected email from Wells Fargo, which stated, Insufficient Funds and that your account didnt have enough money to cover these transactions ... and they were returned unpaid. The email referenced check # XXXX for the amount of {$150.00}. This message was confusing and misleading, as there was clearly sufficient balance in my account after the unauthorized transactions. Furthermore, the email stated that my available balance at the time was {$0.00}, which was entirely inaccurate. 

However, on XXXX XXXX, 2025, This Insufficient Funds email from Wells Fargo Bank caused concern, and so I logged into my Wells Fargo online account and discovered that XXXX unauthorized electronic checks, totaling {$150.00}, {$50.00}, and {$50.00}, were withdrawn from my checking account by Explore Credit. These transactions resulted in a remaining balance of {$11.00} in my account. 

This situation is concerning for several reasons : XXXX. Unauthorized Transactions : The XXXX Explore Credit electronic checks that were debited from my account were unauthorized, and no explanation has been provided as to why these transactions were allowed to go through. 
XXXX. False Insufficient Funds Notice : The email stating insufficient funds was entirely false, as there was money remaining in my account after the unauthorized electronic check debits. The email misled me into believing my account had insufficient funds, causing unnecessary confusion and distress. 
XXXX. Lack of Online Dispute Resolution : I attempted to dispute these charges online, but instead of providing an option for online resolution, I was prompted to call Wells Fargo. I called and was told that my only recourse was to open a new account and that the original account would be placed on freeze hold pending an investigation, which could take up to XXXX business days.