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

I clicked on an offer via XXXX with the stated terms : Earn a {$400.00} bonus on your Upgrade card after opening a Rewards Checking account and making 3 debit card transactions within 60 days.

Also : To qualify for the {$400.00} welcome bonus, you must open and fund a new Upgrade Rewards Checking Account and make 3 debit card transactions within 60 days of your Upgrade Card account opening. The bonus credit will be posted to your Upgrade card as a rewards credit within 1-2 billing periods following the third debit transaction on your Rewards Checking account. Your Upgrade card must be in good standing to receive bonus. 
On XX/XX/2022 I applied for this offer and the accounts were opened soon after. On XX/XX/2022 I funded the Upgrade Rewards Checking account. On XX/XX/2022, I made 3 debit card transactions from my Upgrade Rewards Checking account. I repeated the funding steps and 3 debits again at the end of XXXX ( not required ) to be certain the terms were again met. As of today XX/XX/2022, I have not received the {$400.00} bonus. After calling several times over the past weeks, I was assured that I had met the terms of the offer but that I needed to wait until 1 then 2 billing cycles have passed. On XX/XX/2022, I called again and was told that the Rewards Checking account " does not have billing cycles '' and that I will need to make purchases using my Upgrade Card ( line of credit ) in order to receive the {$400.00} bonus some time within 1-2 billing cycles of making 3 debit transactions on that card. NOWHERE in the terms of the offer does it mention using the Upgrade Card to satisfy the terms of this offer. I asked for a supervisor and was told that someone would call me back within 24-48 hours. I never heard back from them.
Product: Student loan

I have a student loan with Wells Fargo Education services. Instead of them calling me only - they have been reaching out to people who have NO association with my loan. In fact, the people they are calling - the only way they could have gotten their information is by   XXXX   people with similar last names. My aunt recieved a call asking for me to collect a debt. She is not a co - signer, not a reference she has absolutley no association with the loan what so ever. I have no idea how they got her phone number, the only thing I can think of is that they   XXXX   my last name and found people in the area to call and try and get a hold of. Extreme harrassment. When I confronted them about the situation they said " we must have dialed the wrong number ... ''. Even though her number again, is not on any account I have with Wells Fargo. They claimed she was put on the do not call list, but there was no reason for her to be called in the first place.
Product: Money transfer, virtual currency, or money service

i was helping a friend in the military that had trouble collecting his money from Wells Fargo bank and this same guy scammed me. The Military Department in Wells Fargo by the name XXXX XXXX was helping me to get this money back. I had to send money by bitcoin to a bitcoin Wallet. Every time i sent money i was promised i was going to get my money only to be told there was more fees that had to be paid, I couldn't keep paying the fees because i couldn't afford it. 

the President of the Military Dept. gave me till XX/XX/year> to pay another {$1000.00} or i will lose this money which i will. I have been making payments for 3 years on this. I was told a month ago that if i paid {$1000.00} i was going to get my money but then they said there was a certain fee i didn't pay and i would have to pay another {$1000.00} which I'm unable to. Most every time i was paying i was promised i would get this money and never did. The one President that i was paying to fees to got let go so i had to start all over again with a new President. I already paid the fees to the other President but i was told i would have to pay to the new one. 

Her name is XXXX XXXX XXXX email XXXX XXXX XXXX email XXXXXXXX XXXX XXXX XXXX
Product: Checking or savings account

A long conversation my name is XXXX XXXX @ am a customer of XXXX XXXX XXXX  and I got scammed for {$5000.00} and Im on XXXX making it barely check to check and I just dont understand how Im gon na pay it back but if someone could give me a call XXXX XXXX XXXX and anytime thank you and please give me a call so we can come to some kind of understanding thank you have a blessed day I have five cats that I take care of they help with my XXXX  XXXX loneliness I cant give them away Ive had 7yrs family my car need XXXX  worth of work happened last year on my good days I could run people places to help make ends meet and the people that was helping me helping me here and there cant its a mess all over the world lord be with us amen
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Dear TransUnion, I am writing to formally dispute unauthorized inquiries on my credit report from the company XXXX XXXX, dated XX/XX/XXXX. Pursuant to 15 USC 1681b ( 2 ), these inquiries were made without my authorization. I request the immediate removal of these inquiries from my credit report.

These unauthorized inquiries have caused significant inconvenience and mental stress. If these inquiries are not removed promptly, I will have no choice but to seek monetary compensation for the distress and inconvenience caused.

I would also like to bring to your attention several relevant enforcement actions by the Consumer Financial Protection Bureau ( CFPB ) against TransUnion in recent years. Over the last seven years, the TransUnion conglomerate has been subject to four CFPB law enforcement actions. These include today 's two actions for rental background check and security freezes failures, as well as repeated actions against TransUnion for its subscription plans. 

In XXXX, the CFPB issued an order against TransUnion for luring consumers into costly subscription plans by deceptively misstating the cost and usefulness of its credit scores and related products. Despite this order, a lawsuit filed in XX/XX/XXXX by the CFPB alleges that TransUnion continued to engage in deceptive practices, tricking consumers into signing up for costly subscription products with recurring payments. 

These actions emphasize the importance of ensuring that consumer reports are accurate and that unauthorized inquiries are addressed promptly. Please confirm the removal of these inquiries from my credit report at your earliest convenience. I look forward to resolving this matter swiftly. You can contact me via the phone number listed above if you need further information. 

Thank you for your immediate attention to this matter. 

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

I am submitting this report to document fraudulent activity on my credit report. I have identified two unauthorized Affirm accounts listed on my XXXX credit report that I do not recognize or have any knowledge of opening. These accounts appeared during the time I was serving in the XXXX XXXX, a period during which I had limited access to my financial records and personal accounts due to my XXXX  duties. 

Additionally, I have been a victim of multiple data breaches, which may have exposed my personal information, potentially leading to these unauthorized accounts being opened in my name. Despite disputing these accounts directly with Affirm, they have remained on my credit report, negatively impacting my financial standing. 

I am seeking assistance in having these fraudulent accounts removed from my credit file and ensuring further unauthorized activity is prevented. This incident has caused undue financial and emotional stress, and I request a thorough investigation into the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please don't ignore my request this time to repair the following items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX A XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/year> Subject : Dispute of Inaccurate Information on My Credit Report To Whom It May Concern, I am writing to formally dispute the accuracy of an item on my credit report, as permitted under 15 U.S.C. 1681i ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ). I request that you investigate the following item and either verify its accuracy or delete it from my report. 

Disputed Item : Creditor Name : XXXX XXXX XXXX XXXX. 
Reported Issue : I do not recognize this account.

Under 15 U.S.C. 1681i ( a ) ( 1 ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information.

Additionally, per 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I am requesting a written notification of the results of your investigation within 30 days, including a clear explanation of the steps taken and any supporting documentation used to verify the item in question. If you can not verify the item, it must be promptly deleted or corrected.

If the item is determined to be inaccurate or unverifiable, I request its removal under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). This section requires the deletion of disputed information that can not be substantiated after an investigation.

Please provide me with an updated copy of my credit report reflecting any changes. If you require additional information from me to process this dispute, do not hesitate to contact me at the address or phone number listed above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Consumer Loan

My account I had with Credit Acceptance was paid in full on XXXX 2010. It is currently being reported as " charged-off '' and a " collection '' account on my XXXX credit reports.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> Equifax XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Equifax , I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX M, XXXX XXXX, FL XXXX XX/XX/XXXX SSN : XXXX Dear Sir or Madam : As of XX/XX/XXXX it is still displayed on all three of my credit report files, TransUnion, XXXX XXXX XXXX. I was also notified that I could not use XXXX XXXX, CEO of XXXX XXXX XXXX XXXX on my behalf as my representative to dispute fraudulent alleged accounts. I have Attached several Documents so you can see the discrepancies on my XXXX credit report, the items I dispute on the attached copy of the report I received.The information on my credit report displays addresses that I have never resided in. What's fraudulently listed is the following ; XXXX XXXX XXXX, XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX This is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. 

Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 

This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 001, 002, 006, 023, 024. 

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

I am writing to inform you that I am a victim of a data breach, which has resulted in unauthorized inquiries appearing on my credit report. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that the inquiries listed below be immediately blocked and permanently deleted from my credit report. 
Unauthorized Inquiries : 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
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 : {$8500.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Checking or savings account

Capital One Banking ( specifically direct deposit ) is down and has been down. This severely impacts me as I am an educator that gets paid monthly and on a XXXX month schedule. Not getting one of these XXXX payments is harmful to my finances. I have not gotten paid since before the holidays so this pay check is important to me. My recurring payments ( rent, utilities, phone ) are due and I am unable to pay them, nonetheless pay for gas to travel out of town this weekend. Capital One said this issue will be fixed in the morning but nothing has hit my account.
Product: Credit reporting or other personal consumer reports

I'm filing a formal complaint for the unauthorized inquiry contained in my credit file. Specifically, I request that you remove the inquiry from my credit report. I did not request this lender make the inquiry. XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

In or around XXXX of 2024, I - XXXX XXXX - signed a month-to-month rental agreement with XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, Colorado XXXX XXXX XXXX  XXXX Management. The monthly rental amount for the entire property was {$3000.00}, with each tenant responsible for {$750.00} per month for rent. I paid my full rent amount every month that I lived there. I paid full rent in XXXX of 2024. During that month, XXXX of the other tenants - XXXX XXXX- did not pay his rent in full unbeknownst to me. At the beginning of XX/XX/year>, XXXX XXXX XXXX refused to accept any payment from me for my individual rent of {$750.00}. Instead, they demanded a single check to pay for all the rent owed by all XXXX tenants. I informed XXXX  that I could pay my portion of the rent numerous times, and they refused all my attempts to pay the debt that I owed individually. I informed XXXX that I would be vacating the property in XX/XX/year>. I made multiple attempts to pay the amount that I owed, but XXXX refused, stating that they would only accept payment for the full amount owned by all XXXX tenants in a single check. By this point, XXXX of the tenants- XXXX XXXX and XXXX XXXX- had already vacated the property and I was not able to reach them. The debt was turned over to XXXX XXXX. They sent me a collection letter for the debt owed by all XXXX tenants which was {$11000.00}. My portion of the debt is only {$2700.00}. I offered to pay {$2700.00} in full, but they refused, stating that I would need to pay the full amount ( {$11000.00} ) to have the collection removed from my record.
Product: Checking or savings account

I did an online application to open a checking account with BMO Harris, after I completed my application they requested a copy of my light or gas bill showing proof of address which can be with in 60 days. I sent my light bill over that I just received and has a XX/XX/XXXX date. They tell me they cant open my account because my bill is past due. Which for one it isnt. So I stated you requested my light bill for proof of address not how I pay my bill. I believe that is unfair service. I have another account and was never turned down because of how I pay my bill.
Product: Credit reporting

Transunion had a glitch in their system that violated the rights of their consumers under section XXXX. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquires be removed :
Product: Bank account or service

ON XXXX XXXX I place a call to Wells Fargo to report a fraud. Wells Frago employee turn blind eye to my report, I woke on XX/XX/2016 to find my account empty out and have a balance of XXXX dollars I called them The supervisor I spoke with was very rude said there was no fraud, I told yes there is since I did not touch the money I had in my account I better not be having overdraft fee charge to my account because I had money in there but since they refuse to take care of my fraud report. XXXX/XXXX/16 I had XXXX that was directly deposited into my account they still took all my money bringing my account to XXXX. I call them again but they refuse to fix the issue, I woke up on XXXX/XXXX/16 to have XXXX charges of XXXX dollars fees for overdraft i call spoke to XXXX XXXX, on XXXX/XXXX/16 at XXXX, her response to me was is that all. I could not believe what I was hearing I have been calling regarding this issues non stop and all the agent got to say to me is that all. Wells Fargo STOLE XXXX dollars out of my account. I will be going to news with this, I have written an email to the board of Wells Fargo and NOT ONE PERSON REACH TO ME TO EXPLAIN TO ME WHAT IS BEING DONE & gt ; I AM CALLING FRAUD ON MY ACCOUNT, I HAVE A VERY LARGE FOLLOWING ON SOCIAL MEDIA I WILL POST MY CONCERNS TO EVERY SOCIAL MEDIA OUTLET SO EVERY NEWS CHANEL CAN PICK UP ON THE ACTIVITY THAT IS STILL GOING ON AT WELLS FARGO & gt ; XXXX XXXX THE EMPLOYEE AND EVERY OTHER EMPLOYEE THAT I HAVE SPOKEN WITH WHOSE AWARE OF THE FRAUDULENT ACTIVITY SHOULD BE FIRED AS WELL XXXX XXXX SUPERVISOR XXXX XXXX AGENT XXXX XXXX AGENT THEY DON '' T NEED A JOB I NEED ALL MY MONEY ALL MY XXXX DOLLARS BACK IN MY ACCOUNT THEN I WANT TO CLOSE THE ACCOUNT
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 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/block any items 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 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  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: Mortgage

The original loan was with XXXX XXXX XXXX XX/XX/XXXX they transfer the loan to Newrez LLC. I received a past due Tax bill {$6100.00} from XXXX XXXX. I called Newrez and told them I received the tax bill. They asked me fax the bill to them. Then I received the mortgage statement increases {$3700.00}. The regular bill was, {$2600.00}. 
Then I called XXXX XXXX and checked with them about my annual bill only {$4900.00}. The bank did not pay my bill since XX/XX/XXXX. XXXX XXXX add interest {$1200.00}. 
The collect the escrow with mortgage but they didn't pay my tax. 
Now the bank clears my currant tax balances. 
From XX/XX/XXXX I will pay my taxes and insurances. The can collect from me only the loan and interest.