23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On Saturday, XX/XX/XXXX, I applied for a Wells Fargo credit card via their website. During this initial interaction, I was immediately approved for this card. I then proceeded to log into their online portal to review this account, I had hoped to take advantage of a 0 % interest balance transfer promotion. However, upon login, I realized that the two phone numbers that they had on file for me were not correct. 

I *had* a Wells Fargo XXXX XXXX account from XXXX to XXXX. That account was closed in full in XXXX. I have not done any business with Wells Fargo since that time. 

The two phone numbers that Wells Fargo had in my online account for this new credit card *were* - past tense - my prior home and work phone numbers. I have not had access to either since XXXX, when I moved from XXXX  DC to XXXX. This is the problem. 
XXXX. I do not know my credit card account number in full because I have not received any print mailing from Wells Fargo. I have not yet received the card after five business days.

2. Without knowledge of this full account number, which their phone support will provide, they would not change the phone numbers on file for me. 
XXXX. The online account would not allow me to add, remove, or edit phone numbers on file. 

Now, a week later, I can not log into my account because of XXXX factor authentication that would send access codes to to phone numbers to which I do not have access. Evidently Wells Fargo does not support account retrieval via email. 

I did XXXX authorize their use of historical information as pre-fill data in the creation of this online account. When I spoke to Wells Fargo customer service on XX/XX/XXXX, XXXX different phone support agents confirmed that the phone number on the credit card application was my correct - current - phone number ... My online account has the association with the obsolete phone numbers. 

At this point, there's a credit card on my credit file that I do not have and can not access. Likewise, there's an online account for a credit card that I can not access, but which will send account retrieval information to two phone numbers that I did not authorize. Three different customer support agents told me that this could not be resolved until my physical card arrives, but this has not happened. This is unacceptable. 

I would appreciate any guidance or assistance from the CFPB. Thank you for your time.
Product: Checking or savings account

Started in XX/XX/XXXX I began working XXXX XXXX I did not know and he was going to do XXXX XXXX for me. Had me sign up for all these apps. Apps started taking money out of my account without my permission. I reported to Bank of America in XX/XX/XXXX. Just received mail yesterday my account was closed XXXX no explanation why I was not given back some of money they told me in letters was credited to my account. Then they reported me to XXXX XXXX and that lead to my new personal bank putting me on hold and now I cant use my debit card til this gets resolved. I dont understand.
Product: Credit card or prepaid card

The issue is causing me significant distress and XXXX to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX XXXX : {$17000.00} XXXX XXXX Balance : {$5300.00} XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1.00}, XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXXXXXX XXXX Balance : {$34000.00} XXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX Balance : {$830.00} XXXX XXXX Balance : {$3000.00} XXXX XXXX  XXXX Balance : {$30000.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX Balance : {$9000.00} XXXX XXXX XXXX XXXX : {$9700.00} XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXX : {$3600.00} XXXX XXXX XXXX XXXX : {$17000.00} XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1.00}, XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX Balance : {$34000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$30000.00} XXXX XXXX XXXX : {$4200.00} XXXX XXXX Balance : {$830.00} XXXX XXXX Balance : {$3000.00} XXXXXXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX : {$18000.00} XXXX XXXX XXXX Balance : {$970.00} XXXX XXXX Balance : {$750.00} XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$24000.00} XXXX XXXX XXXX XXXX : {$17000.00} XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$2300.00} - XXXX XXXX XXXX Balance : {$34000.00} XXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX Balance XXXX {$4200.00} XXXX XXXX Balance : {$830.00} XXXX XXXX Balance : {$3000.00} XXXX XXXX  XXXX Balance : {$30000.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX : {$9700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently looked at my credit report a noticed an account that was reporting inaccurate i sent multiple emails and letters to the credit bureaus and creditor stating the inaccuracies. and from my knowledge everything on your credit report is suppose to report accurate. If a payment is late more than XXXX day the reporting should be the month and late however many days for the correct reporting should say XXXX late XXXX, XXXX late XXXX days, XXXX late XXXX  days. The account on my report say on time every month and then XXXX late XXXX days. I also ask for proof of my payment history from the creditor and it says paid on all due dates.
Product: Mortgage

In XXXX of XXXX, I received a letter from Citimortgage stating that the Making Home Affordable program announced an expansion of borrower " pay for performance '' incentives for eligible loans modified under the Home Affordable Modification Program ( HAMP ). Since I did have this type of loan, I assumed this program applied to me. It lists the criteria I must meet in order to be eligible to received a {$5000.00} incentive and the {$5000.00} incentive would be applied as a lump-sum principal balance reduction payment shortly after the 6th anniversary of my HAMP Trial Period Plan effective date. It also states " that the incentive will be shown on your monthly Mortgage Account Statement, and THERE IS NO ACTION REQUIRED FROM YOU '' to get this incentive. I waited for my anniversary date of XXXX/XXXX/XXXX for the incentive to be applied. On XXXX/XXXX/XXXX, when I still did not get the incentive, my wife phoned customer service to ask what had happened and was told that I was supposed to sign the recertification papers and send them back. WHAT RECERTIFICATION PAPERS? The only paper that I received was the letter dated XXXX XXXX, XXXX, that I 've enclosed for your review. AT NO TIME, did I receive any other papers to sign or else I definitely would have signed them and sent them in. I was just under the assumption of the instructions on the letter, NO ACTION REQUIRED FROM YOU. If the letter had said, unless you send in your recertification papers by a certain date, you will not be eligible to receive this incentive, I would have called and said that I never got any such papers. Now, according to the customer service rep that my wife talked to at Citimortgage, the time has passed to send in these papers and that because I missed the deadline, I will not be getting this incentive. I feel that this letter was misleading and lead me to believe there was nothing more I needed to do to get this incentive. I ca n't begin to tell you how completely devastated I am that I will not be getting the {$5000.00} incentive. I have paid my mortgage on time for over 6 years and I think it is terrible that they can do this to me. Whatever help you can give me in this matter would be extremely appreciated.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( Section 6 0 4 A Section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

While I appreciate your explanation regarding the Cardmember Agreement and the company 's compliance with relevant laws, I must reiterate the importance of rectifying inaccuracies on my credit report. As a responsible consumer, it's crucial for me to ensure that the information reported to credit agencies accurately reflects my financial activity and status.

I understand your stance on declining my request for an update directly ; however, I will proceed to send a copy of my current credit report, highlighting the discrepancies, to the provided address at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. 

Regarding the allegation of violating laws, I would appreciate further clarification on how the company is ensuring compliance with the Fair Credit Reporting Act and other applicable regulations. Could you provide more insight into the steps being taken to ensure accurate reporting and consumer privacy?

Moreover, while I respect the decision to decline compensation, I seek reassurance that the matter will be thoroughly investigated for compliance verification and that these late payments will be removed from my credit report.

Thank you for your attention to this matter. I look forward to a constructive resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter about the inaccurate information on my credit report. I have not received a response yet. I feel like my disputes are being ignored. Section 611 ( a ) states that failure to investigate these items within 30 days is a reason to immediately remove these items from my credit report. It has been over 30 days so they should be deleted immediately. Please help me
Product: Money transfer, virtual currency, or money service

Cash app allowed fraudulent withdrawals on my account in XXXX XXXX most of these took place on XX/XX/2021. These where withdrawals that would require me to approve which I did not. Also I did not know one of the people on the list.They all took place betweenn XXXX ; XXXXXX/XX/XXXX to XXXX ; XXXXXX/XX/XXXX. They where all in California.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$96.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am highly upset! Grain has ruined my credit on an account I paid off XX/XX/2022. I have not used my account since I paid it off and I was current at the time! All my statements have a XXXX balance! This account was not charged off! I made all my payments! Please fix my credit! This is absolutely ridiculous that you ruin people credit with fake reporting! I have reached out to Grain and they said they are investigating but nothing has happened! I have attached all my supporting documents!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I WROTE IN A DISPUTE TO UP DATE MY FILE XX/XX/2020 DUE TO LATE PAYMENT I WAS UNAWARE I ASK THEM TO REMOVE IT THEY SRNT NO PROOF OF IT AND REFUSE TO REMOVE LATE PAYMENT ....
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX Subject : Credit Report Dispute Request for Investigation and Correction To Whom It May Concern, I am writing to formally dispute certain inaccuracies on my credit report that I obtained from Equifax. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute incomplete or inaccurate information, and I request an immediate investigation into the following items that appear incorrect : Accounts in Dispute : XXXX. XXXX XXXX XXXX  ( Account Ending in XXXX and XXXX ) o These accounts are reported as charged-off, but I believe there are inaccuracies in the reporting of balances and payment history. 
o XXXX request verification of the accuracy of these accounts or their removal if they can not be verified. 
XXXX. XXXX XXXXXXXX XXXX XXXX XXXX ( Account Ending in XXXX ) o This account is reported as charged-off, yet I believe there may be incorrect late payment entries or balance misreporting. 
o Please provide evidence supporting these reports or correct/remove inaccurate data. 
XXXX. XXXX XXXX XXXX ( Account Ending in XXXX ) o This account is reported as a collection account, and I do not recognize the validity of this debt. 
o Please verify its legitimacy or remove it from my credit report. 
XXXX. XXXX XXXX XXXX XXXX ( Account Ending in XXXX ) o This account was marked as charged-off and later transferred, but the details appear inconsistent. 
o XXXX request confirmation and correction of any misreported information. 
XXXX. Multiple Hard Inquiries o My credit report reflects XXXX hard inquiries, some of which I did not authorize. 
o Please remove any unauthorized inquiries per the FCRA. 
Request for Action : Please investigate and verify these items with the original creditors.

If the disputed information can not be verified within 30 days, I request that it be removed from my credit file as required by the FCRA. 
I request a written confirmation of the results of this investigation, including any updates made to my credit report. 
I have attached a copy of my credit report with the disputed items highlighted for reference. 
Additionally, I have included a copy of my government-issued ID and a utility bill to verify my identity. 
Please address this matter promptly. If you require further information, you may contact me at the email or phone number listed above. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting

there is a bankruptcy showing on my credit report that should not be there. it was never done, the lawyer which filed it refuses to remove it. I learned about this when I was attempting to get a loan on for a car. it shows a bankruptcy was filed, but it never was, it never went to court and had never began or completed in any way and I need it removed. the lawyer that had filed it will not take any action, when i contacted them all they would do is send me a copy of the initial paperwork and the document stating it was not done. I have copies on my phone but am not able to transfer them onto here to submit.
Product: Credit card or prepaid card

On XX/XX/XXXX, I was charged {$510.00} and {$640.00} to my credit card account through Wells Fargo to XXXX XXXX at XXXX XXXX. I did not have my card in my possession and did not authorize anyone to use my card. These referenced charges are fraud. I have never made any purchases at XXXX XXXX. Wells Fargo denied my claim two times with the explanation that it was used by chip. Wells Fargo did not answer my questions about the signature of these purchases. I did not sign or ever enter this mall. At the time of the fraudulent charges, I was in the XXXX XXXX area on a hike. I am in my 3rd round of disputing these charges and have filed a police report in XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Companies- XXXX/Equifax. Account.XXXX. Reporting inaccurate information on my credit report since XX/XX/2014 from XXXX XXXX XXXX XXXX XXXX XXXX . Please remove this inaccurate item from my Credit Report as soon as possible if you have no proper reinvestigation proof. Thank you
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent accounts from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$48000.00} XXXX XXXX Balance : {$7600.00} XXXX XXXX XXXX  XXXX Balance : {$9900.00} XXXX XXXXXXXX XXXX Balance : {$2900.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my Equifax credit report, which has persisted despite previous disputes. This erroneous information is adversely affecting my creditworthiness and financial standing. I request its immediate removal in accordance with the Fair Credit Reporting Act ( FCRA ), specifically citing sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ). 



ALXX/XX/XXXX- Please investigate these late payments and promptly remove them if unable to verify their accuracy. If the late payments can not be verified, please delete the entire closed account from my credit report. 

REXX/XX/XXXX- There's an error in reporting these late payments as the account was closed before the reported dates. Please investigate and remove these late payments from my credit report. If unable to verify their accuracy, please delete the entire closed account. 

XX/XX/XXXX- Please investigate these late payments and promptly remove them if unable to verify their accuracy. If the late payments can not be verified, please delete the entire closed account from my credit report. 

XX/XX/XXXX- I found late payments inaccurately reported on this closed account. Please investigate and remove them if unable to verify their accuracy. If the late payments can not be verified, please delete the entire closed account. 

XX/XX/XXXX - The charge-off account on my credit report is inaccurately reported as open despite being closed with a XXXX balance. This discrepancy misrepresents my credit standing and violates fair credit reporting. I request that you deleting this account from my credit report. 


Under Section 611 ( a ) ( 1 ) ( A ) of the FCRA, consumers have the right to dispute inaccurate information on their credit reports and request its correction or removal. Despite my previous efforts to dispute this inaccurate information, it remains on my credit report, causing undue harm.

Furthermore, Section 623 ( a ) ( 2 ) of the FCRA mandates that consumer reporting agencies must promptly delete or correct inaccurate information upon receiving a dispute. The persistence of this inaccurate information on my credit report demonstrates a violation of this provision.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Checking or savings account

I requested my HSA funds from XXXX XXXX be transferred by check to my new PNC HSA account. However, XXXX sent the check to the wrong bank, XXXX XXXX. XXXX XXXX cashed a check that was not written to them as it was written to PNC BANK FBO XXXX XXXX. A copy of the check provided to me by XXXX will be attached showing endorsement by XXXX XXXX. I have tried for over month calling all three banks with no resolution as it is difficult to communicate with XXXX and PNC refusing to do what the other two banks recommended. Essentially, XXXX XXXX has my XXXX account funds which they won't release back to XXXX until fraud forms are filed by XXXX and filled out by PNC. PNC is refusing to file the fraud form. XXXX are telling me I can't fill the forms out since the check was technically written to PNC and not me directly even though my name is also on the check as the FBO. PNC is telling me the funds are mine not theirs and refusing to file the form.Thus, I'm left without access to XXXX of my money that XXXX sent to the wrong bank that fraudulently cashed said funds. No bank seems to be communicating with each other and nothing is getting done to return my funds by anyone at this time. Also attached is the fraud form PNC is currently refusing to fill out.