23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX  business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Secured Card opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, an Education Loan opened at DEPT OF EDUCATIONXXXX on XX/XX/XXXX under the account number XXXX. an Education Loan opened at DEPT OF EDUCATIONXXXX on XX/XX/XXXX under the account number XXXX. an Education Loan opened at DEPT OF EDUCATIONXXXX on XX/XX/XXXX under the account number XXXX. an Education Loan opened at DEPT OF EDUCATIONXXXX on XX/XX/XXXX under the account number XXXX. an Education Loan opened at DEPT OF EDUCATIONXXXX on XX/XX/XXXX under the account number XXXX. an Education Loan opened at DEPT OF EDUCATIONXXXX on XX/XX/XXXX under the account number XXXX. an Education Loan opened at DEPT OF EDUCATIONXXXX on XX/XX/XXXX under the account number XXXX. an Education Loan opened at DEPT OF EDUCATIONXXXX on XX/XX/XXXX under the account number XXXX. an Education Loan opened at DEPT OF EDUCATION/XXXX on XX/XX/XXXX under the account number XXXX. an Education Loan opened at DEPT OF EDUCATIONXXXX on XX/XX/XXXX under the account number XXXX. an Education Loan opened at XXXXEPT OF EDUCATIONXXXX on XX/XX/XXXX under the account number XXXX. an Education Loan opened at DEPT OF EDUCATIONXXXX on XX/XX/XXXX under the account number XXXX. an Education Loan opened at DEPT OF EDUCATIONXXXX on XX/XX/XXXX under the account number XXXX. an Education Loan opened at DEPT OF EDUCATIONXXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent accounts appearing on my consumer XXXX credit report. I've attached a list of the accounts in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned education accounts and secured card accounts as reported. The aforementioned education accounts and secured card accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned education accounts and secured card accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer education accounts and secured card accounts inquiries are the result of identity theft and fraud. I have also attached a copies of my XXXX result showing the above accounts being deleted from the XXXX credit report due to a approval id theft fraud claim. All credit report should be accuracy across of all three credit bureaus.
Product: Credit card or prepaid card

There are two aspects of my complaint. 1 ) Wells Fargo is not allowing multiple payments in a single day if they are not from Wells Fargo accounts. 2 ) Wells Fargo has charged me interest on credit card debt multiple times even though the payment is made on the due date. My wife and I have non Wells Fargo bank accounts that we attempt to make payments on our due date, and the Wells Fargo system will not allow this to occur. We have documented this multiple times over the last two months. This is something new as it was not like this previously. It appears to us as consumers that Wells Fargo has created this system in attempt to collect fees when they are not valid. I am sure this is happening to other account holders and they should be informed. Wells Fargo is acting unethically and seemingly illegally by attempting to collect fees when they are not valid. This needs to be investigated.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a serious violation of my privacy rights by XXXXXX/XX/XXXX, a matter that falls under the purview of the Privacy Act of 1974 ( 5 USC 552a ). I believe the bank 's actions not only contravene the provisions of the Privacy Act but also implicate additional federal regulations, including 5 USC 552b, 16 CFR 313.7, 12 CFR 1016.1, and others, thereby necessitating your intervention and investigation. 

The specific instances of XXXX XXXXXX/XX/XXXXnon-compliance with the aforementioned statutes and regulations are as follows : 5 USC 552a - Privacy Act of 1974 : XXXX XX/XX/XXXX has failed to uphold the principles outlined in the Privacy Act of 1974. Despite the Act 's explicit provisions requiring financial institutions to safeguard and protect the confidentiality of individuals ' personal information, the bank 's actions have resulted in a breach of my privacy rights. I hereby request a thorough investigation into the bank 's practices in this regard. 

5 USC 552b - Freedom of Information Act ( FOIA ) : I believe that XXXX XX/XX/XXXXhas not adhered to the provisions of 5 USC 552b, which govern the disclosure of information and records. It appears that the bank may have disclosed sensitive information without proper authorization, thus violating the requirements of transparency and accountability outlined in this statute.

16 CFR 313.7 - Privacy of Consumer Financial Information : The bank 's conduct may also fall under the scope of 16 CFR 313.7, which pertains to the privacy of consumer financial information. If XXXX XXXXXX/XX/XXXX has failed to comply with the requirements of this regulation, it further strengthens my case against the institution for the improper handling of my personal financial data. 

12 CFR 1016.1 - Privacy of Consumer Financial Information - Standards for Safeguarding Customer Information : XX/XX/XXXX failure to adhere to the standards set forth in 12 CFR 1016.1, which outlines the requirements for safeguarding customer information, raises additional concerns regarding the bank 's data protection practices. 

I kindly request that the Consumer Financial Protection Bureau undertake a comprehensive investigation into these matters, considering the gravity of the violations and the potential harm caused by the bank 's actions. Furthermore, I urge the Bureau to take appropriate enforcement actions to ensure that XXXXXX/XX/XXXX rectifies its non-compliance with federal privacy laws. 

Enclosed with this letter, please find supporting documentation, including any relevant correspondence with XXXX XX/XX/XXXX that may assist in your investigation.
Product: Mortgage

The loss claim process at AIMLOAN is utterly disappointing. While all others in our neighborhood recently struck with a damaging hailstorm have all simply had their insurance claim checks endorsed by their mortgage companies within a day of receiving them and with no further strings attached, AIM finally sent the XXXX of XXXX checks, XXXX weeks after I submitted the XXXX forms of required paper work and they misspelled the roofing company so now I get to wait another week. They require all kinds of endorsements and inspections among XXXX separate disbursements. I have a damaged roof waiting for the AIM process. After finally receiving a correct claim check after XXXX weeks, shingle prices increased causing an additional {$310.00} out of pocket cost to us. I believe their loss claim process is too onerous with the threshold set too low ( {$10000.00} ) Our claim is for a total of {$18000.00} making this a very difficult process. I own & gt ; 50 % equity in my home.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below, which still appears on my credit report after your investigation. I request an immediate reinvestigation of this item, as the inaccuracies are highly injurious to my credit score. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX In accordance with the Fair Credit Reporting Act ( FCRA ), Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above account, so that I may follow up. 

Additionally, please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I applied for Capital one credit card. Capital one sent me a paper with my interest rate based on my credit score. It used XXXX credit score of XXXX in FICO Credit Score range. Capital one explained that it is a good credit score ( not excellent ) and therefore I will get a middle interest rate ( 18.99 % rather than 13.99 % ). I have been monitoring my credit score with XXXX and it was XXXX ( on XX/XX/XXXX ) using XXXX XXXX which corresponds to an excellent score. I also have an excellent credit score from other two major credit bureaus.On XX/XX/XXXX I signed up with XXXX  credit monitoring plan to check my actual score on XX/XX/XXXX using historical data but was unable to find it. On XX/XX/XXXX I contacted XXXX  through phone ( no other options are available ). I was told that they only have access to my today 's credit score and  they can not give me any information about capital one inquiry. To summarize I want request XXXX to release my credit score ( that was reported to Capital one on XX/XX/XXXX ) to me. In case if there is mistake occurred in my score i want XXXX to report my updated score to the Capital one.
Product: Checking or savings account

I went to a Wells Fargo ATM here in XXXX, CA at the XXXX XXXX branch, XXXX XXXX XXXX, on XX/XX/2023, XXXX, XXXX XXXX and attempted to withdraw {$1000.00} cash. It was declined and I was sent a confirmation email the same day starting that it was declined due to exceeding my daily limit which is incorrect as I did have the funds in my account. 
I then filed a dispute with Wells Fargo and they told me that their investigation showed nothing mechanically wrong with their ATM machine. 
They decided not to return my {$1000.00} that they deducted from my bank account. 
I also told them about the email confirming that I did not receive the money and they kept my money regardless. 
This is a horrible way to treat a business customer and it it also unacceptable. 
Please help me resolve this matter ASAP!!!! and get my {$1000.00} back that I am rightfully owed. 
I would appreciate a prompt response in this matter of utmost importance. 
Thank you-
Product: Credit card or prepaid card

On XX/XX/2020 I was " accidentally '' informed by Visa XXXX Supervisor ( id # XXXX ) and WellsFargo bank rep, that Visa has a Merchant product ( Visa Account Updater ) when I questioned a charge on my account that should not have been processed because the Merchant did not have my new credit card number. 
The Merchants financial institution ( bank ) has the ability to gain access to card holders new card information without Visa notifying, verify, confirming or getting authorization from the card holder ( consumer ) that new card information can be provided to the Merchant. 
Not only does this violate the card holders privacy rights and leave them susceptible to fraudulent activity ( loss of funds ) in the consumers bank account, identity theft and possible assault due to Visa blatant neglect to involve & /or notify the consumer in this process. If the government ( IRS ) is required to notify persons of any withdrawals, whether forced or agreed, Visa and financial entities  should not be allowed to violate a consumers protection by creating a Merchant tool & using it without consumer knowledge provided. Credit card companies and financial institutions to be required to make this merchant tool & process information clearly identified upon inquiring/set up of reoccurring or credit card payments instead of purposefully being vague in a disclaimer and or privacy statement regarding the sharing of consumer information. 
By not clearly informing the consumer it takes away the right to choose payment options ( check, credit card phone ) that may better protect their identity and account fraud activity. Also Wells Fargo, Visa, nor the Merchant that request this information, have this tool and the process the financial institution perform on their site as consumer information/awareness and it is not on privacy policy statements regarding how this information is shared. This tool/product clearly contradicts a portion of Visa privacy information which in turn violated my privacy rights and the ability to protect and sharing my information without my consent.

I feel extremely violated and disregarding as a consumer.

Visa- For security reasons and to prevent unauthorized disclosure of personal information, cardholders should contact their payment card issuers to access their Card Transaction Data. This helps ensure that access to the information is only provided to the authorized individuals, subject to the issuers verification processes
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN, THE FOLLOWING ACCOUNTS ARE CLAIMING TO BOTH OWN THE SAME DEBT WITH A BALANCE. AS YOU KNOW, THIS IS NOT POSSIBLE AND ALSO A VIOLATION OF MY RIGHTS. BECAUSE OF THIS, BOTH ACCOUNTS NEED TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY DUE TO NOT PROPERLY VALIDATING THE INFORMATION IN WHICH A COMPANY HAS PASSED TO YOU. PLEASE DELETE IMMEDIATELY. 

WHEN THE REQUESTED ABOVE DELETIONS ARE MADE, PLEASE MAIL ME AN UPDATED COPY OF MY CREDIT REPORT ACCOUNT XXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX OF XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$710.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$5.00} ; XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX, IL XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX IL XXXX ; 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.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/2024 and noticed some things are incomplete and not accurate. According to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure XXXX  possible accuracy of the information concerningthe individual about whom the report relates. 

I sent a letter asking them to reinvestigate these accounts listed below because XXXX XXXX XXXX XXXX  XXXX. I have never had this account. The reporting of an open account, date XXXX  active, date of XXXX payment is incorrect. This is not an accurate account. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX I have never had this account. The reporting of an open account, date XXXX  active, date of XXXX  payment is incorrect. This is not an accurate account. 

XXXX XXXX XXXX XXXX XXXX I have never had this account. The reporting of an open account, date XXXX  active, date of XXXX  payment is incorrect. This is not an accurate account. 

XXXX XXXX XXXX XXXX date is not reporting correctly, date XXXX  active, date of XXXX  payment is not correct, this account is not correct. 

XXXX XXXX XXXX XXXX  XXXX XXXX Open  date is not reporting correctly, date XXXX  active, date of XXXX  payment is not correct, this account is not correct. 

They have not responded to me. I have a copy of all of my letters. Can you please take a look into this as this is affecting my life. Nothing has been modified or updated. I requested a description of the investigation and did not provide it to me. This is a violation of 15 USC 1681I7
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account Number- XXXX To Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating.

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up. 
2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information. 
I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law.
Product: Debt collection

XXXX XXXX is claiming that I still owe {$100.00} from a visit to the emergency room that had an original balance of > {$800.00} inXX/XX/XXXX. According to their website, a payment that I made of {$77.00} onXX/XX/XXXXis still pending application against my outstanding balance. InXX/XX/XXXX, I was disputing the remaining balance with XXXX and requesting supporting documentation to show that my {$77.00} had been applied to the balance. Subsequently, XXXX referred my account over to National Recovery Agency of XXXX, PA.
I received a debt collection letter from them around XX/XX/XXXX. The letter contained no dates on it ( how does that comply with FDCPA requirements? ) and was an attempt to collect the {$100.00} balance that is not completely owed. Upon receipt, I submitted a payment of {$31.00} ( the amount I agree was still outstanding ) on XX/XX/XXXX along with a dispute letter challenging the total amount owed. In support of that dispute letter, I also included a screen shot ( dated XX/XX/XXXX ) of my account from the XXXX  website evidencing the pending payment of {$77.00}.
National Recovery subsequently called on XX/XX/XXXX attempting to collect this debt. During that call, they indicated my check was being returned and not accepted and that they would be looking into the dispute. I authorized my husband, XXXX XXXX to speak with regards to the account. In his discussion with a supervisor name XXXX, he requested that we call back on the following Wednesday and would have more information for us at that time. When we returned the call on XX/XX/XXXX, XXXX was not available and I was instructed that he did not have my information and that I needed to email it to him and XXXX I did so on the same date and have yet to receive a response.
On XX/XX/XXXX I finally received my return check. The letter from National Recovery is dated XX/XX/XXXX yet the post mark on the envelope is XX/XX/XXXX, nearly a month later. Included with my returned check is my original letter and supporting documentation. At this point, I fear that they will begin adversely impacting my credit, when I have been attempting to resolve the remaining balance since prior to referral to collections. National Recovery clearly does not appear to be following thru to support the amount they claim to be owed and by returning my evidence, they have shown a complete disregard for validating the debts they are collecting.
To make matters worse, they have refused to respond to our prior complaint because my husband 's name was also used. Although I 've previously authorized him on the account, they are claiming he is an unauthorized third party as a method of avoiding their responsibilities and being held accountable for their tactics.
Product: Debt collection

This debt collection was previously deleted from my credit report. They re-reported without sending me the 5 day notification as required under the fair credit reporting act. This is highly illegal and this needs to be rectified.
Product: Credit card or prepaid card

I made a purchase using my Goldman Sachs Apple Card ( used Apple Pay ) in the amount of {$560.00} to XXXX XXXX ( order number XXXX ) on XX/XX/2020. Approximately 20 days later, I had yet to receive the items and filed a dispute in the that amount with my Goldman Sachs Apple Card company. Within a few days, I reviewed the items and withdrew my dispute. It turned out that the items did not fit and I needed to return them for a refund. I received an RMA number from XXXX XXXX and shipped the items back on XXXX XXXX via XXXX ( tracking number XXXX ). It shows that the return was received at the XXXX Sunglasses Warehouse in XXXX, Georgia XXXX XXXX at XXXX signed for by someone with the initials " XXXX. '' I waited about 10 days for my refund to appear. When it did not, I called the XXXX Customer service number at XXXX. Spoke with a gentlemen and he apologized and stated that they did receive the items and he will process the return. I waited another 7-10 days and no refund was issued. I called several times, and each time I was told the same thing ; wait another 7-10 days. 

I tried to dispute the charge again on my Goldman Sachs Apple Card, and was told that because I withdrew the original dispute, I can not redispute this charge. The dispute is for two separate reasons and now I have zero recourse for this charge.