23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I opened my new Wells Fargo XXXX XXXX branded credit card on XX/XX/23 in response to an offer by Wells Fargo to provide XXXX XXXX XXXX rewards points after making net {$1000.00} in purchases within the first 90 days of being a new cardholder. I met this requirement on XX/XX/23 ; after making {$1000.00} in net purchases ( {$1100.00} - {$99.00} credits ). The terms state that Wells Fargo will provide the XXXX bonus points within 1-2 billing cycles after completion of this requirement. The second billing period elapsed on XX/XX/23. No XXXX bonus points were generated by Wells Fargo as stated in the terms of the offer. I contacted Wells Fargo for four hours on XX/XX/23 trying to resolve the noncompliance. Wells Fargo was very unprofessional each time and kept blaming XXXX XXXX for Wells Fargo 's noncompliant failure to perform and repeatedly transferred me automatically to XXXX XXXX without trying to resolve Wells Fargo 's negligent failure to perform. XXXX XXXX supervisors rightfully stated that Wells Fargo was the party responsible for providing the bonus points offered, and that Wells Fargo was the responsible party who had not sent the bonus points over to XXXX XXXX to be put into my reward account. After my seventh call on XX/XX/23 to Wells Fargo to try to resolve the issue, Wells Fargo very reluctantly agreed to " escalate '' the issue. A week later, the issue has still not been resolved, and the promised XXXX XXXXXXXX XXXX bonus rewards points have not been credited to my XXXX XXXX Rewards account.
Product: Credit reporting

I have XXXX of the exact same items listed on my credit report as collections. They are the same account number, same amount owed, same collection company, same date of deliquency, etc. I have disputed this information only to be told that it was " verified ''. The bureau can not report XXXX of the exact same collections on my report. It is against the FDCPA. They need to delete these accounts as it is inaccurate. I am very unhappy that I already disputed and they did not do their proper job to delete since they have it on their twice. The credit reporting agency says they are only reporting once and it is the bureaus job to remove. You can see the dispute results attached. You can see they are XXXX clearly the exact same items.
Product: Credit reporting or other personal consumer reports

TransUnion is reporting inaccurate information on my credit report. See attachment :
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, 2017 submitted disputes to XXXX XXXX and Experian - as of today I have not been informed of the investigation results. I have not received an updated credit report, and I have not had anything that was disputed corrected.
Product: Credit reporting or other personal consumer reports

I will be disputing these accounts with screen shots of contradicting information. along two credit bureau. Although it is not illegal for XXXX XXXX to report rolling charge offs they are required to be 100 % accurate, WHICH THEY ARE NOT. I also never received a 1099c to explain the charge off income on my tax return. These violations have severely damaged my life as it is impossible for me to take advantage of opportunities that come to those with good credit. I went thru a horrid time when I was forced to retire due to XXXX and XXXX XXXX not only sued me but are reporting these two accounts every month as new charge offs. This to a XXXX veteran on a fixed income on two accounts that I was never late paying for years. Section 1681i requires accurate reporting. section 1681s-2 imposes duties on data furnishers to ensure accuracy. Both of these codes in the FCRA are being violated. 

XXXX XXXX ; no account number reported, balance {$8300.00}, Experian and XXXX XXXX XXXX ; no account number reported, balance {$3400.00}, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.XXXX XXXXXXXX XXXX Account XXXX XXXX, XXXX XXXX  Account # XXXX. The credit Bureaus stated that the information was verified and was accurate upon the completion of their investigation. How can this be true if the open dates are incorrect, the dates last active are inaccurate, the dates last reported are inaccurate and the balances are inaccurate. All of this incorrect information reporting on my credit is grounds for the accounts to be removed from my credit report. My rights have been violated under 15 U.S.C. 1681 section 602 A. States I have a 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 instruction. 15 U.S.C. 1681 section 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 information is incorrect. 15 U.S.C. 1681 ( a ) ( 5 ) states : no consumer reporting agency may make any consumer reporting containing any of the following items of information other adverse item of crimes which antedates the report by more than seven years.
Product: Credit reporting or other personal consumer reports

The following open accounts listed with a balance on the account currently listed on my Experian credit report is closed accounts with a balance of {$0.00} : XXXX. XXXX XXXX XXXX XXXX {$170.00}, XXXX XXXX, XXXX XXXX XXXX {$74.00}, XXXX XXXX XXXX XXXX  XXXX XXXX {$730.00} XXXX XXXX XXXX, XXXX, {$1000.00}, XXXX, XXXX XXXX, {$10.00}, XXXX XXXX XXXX XXXX, {$170.00}, XXXX XXXX XXXX XXXX XXXX {$550.00} and XXXX XXXX XXXX XXXX XXXX, Full Name : XXXX XXXX XXXX XXXX XXXX : XX/XX/year>, XXXX : XXXX
Product: Debt collection

In XXXX and XXXX I had covid twice. I went to the XXXX room at XXXX XXXX several times. During this time I was uninsured. The XXXX XXXX XXXX was to be billed for uninsured and underinsured patients. I was also indigent and should have fallen under a financial charity program, if the hospital did not want to bill under the XXXX XXXX. Because of the fraud going on at the hospitals during this time, only ONE of my visits was billed under the covid cares act. I was turned away time and again with no treatments for what has now turned into long covid. I am now debilitated and XXXX through the hospital 's neglect and lack of any treatment for my covid. They have placed all bills with XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX, because they failed to treat and bill my acute covid under the Cares Act. This is just a continuation of the fraud that was perpetrated on sick covid patients in XXXX and early XXXX. Had I known the extent of the fraud going on in the hospitals then and the refusal to treat patients, I would never have set foot in their establishments.
Product: Credit reporting, credit repair services, or other personal consumer reports

COMPLAINT AGAINST XXXX XXXX XXXX  XXXX I have attached a copy of the Consumer Financial Protection Bureau order of 2015 pertaining to the collection process on medical debts. This federal agency has levied millions in penalties against several medical collection agencies for abusive collection practices since the 2015 mandate that consumers must be granted 180 days-notice that any or all medical debts can not be posted against a consumers credit report. What this entails is that I as an American consumer needs time to either settle a medical collection before said collection gets posted on my credit report, or that my medical insurance carrier had enough time to resolve the collection either in full or by any sustained factoring agreement in place with the medical servicer, be it a physician, clinic, ambulance service or hospital. That has not been the case in the attached medical collection ( s ) posted on XXXX, Equifax and XXXX XXXX respectfully. Since the 2015 agreement between the Consumer Financial Protection Bureau and all three credit reporting agencies, medical collection agencies have violated this agreement in its entirety. Having established that there is a specified procedure in place on medical collection postings on a consumers credit, it is a fact that most if not all medical collectors are in violation of their subscriber agreement with the major credit reporting agencies. Since my rights have already been violated by the collection agency stated in this complaint, the collection should be VOID completely. I am not disputing any factual conclusion if I was even given medical attention, just stating that my personal credit history has been damaged by an unlawful collection practice. I should be entitled to damages for the overall cost involved with what would otherwise be a perfect credit history. Accordingly, I respectfully request for the disputed medical collection ( s ) to be deleted permanently, and if this particular collection agencies needs a remedy for collection, it has abused the credit reporting system by violating my rights. In my opinion the only recourse at this time would be moving forward through other collection processes outside of the Fair Credit Reporting Act. The disputed collection must be deleted permanently, and the Consumer Financial Protection Bureau must sanction and fine the agency for its abusive actions. The credit reporting agencies should also terminate the subscriber agreement if place. My dispute is based on material facts and current policies on medical collections. The attached disputed collection ( s ) should be deleted permanently without any right to reinsert from this point forward.
Product: Credit reporting or other personal consumer reports

XXXX. XXXX, 2024, {$1100.00} And XXXX XXXX, XXXX Equifax According to 15 U.S.C 1692C ; you have violated my right by in lawful communications. Please remove this collection off of my credit report
Product: Credit card or prepaid card

I live in XXXX, across the river from XXXX XXXX XXXX, XXXX. I used my new Southwest Rapid Rewards Plus Visa through JP Morgan Chase bank at XXXX XXXX before re-entering the XXXX on a day trip across the river. I was slapped with a {$4.00} foreign transaction fee. I called JP Morgan Chase to explain that I live across the river and cross frequently, they told me they can't remove the fee unless I sign up for the level above the account I already have. I already pay {$69.00} per year to have the Southwest Rapid Rewards credit card, but they said that doesn't include free foreign transactions and if I wanted that I'd need to upgrade to the {$140.00} a year account. I just think this is more junk fees runaround from the big banks and I really think they need reigned in. Hope you all can help force them to stop extracting money from those of us who make the least.
Product: Credit card

My spouse is XXXX XXXX military enlisted/serving in the state of Louisiana. Under LA statute XXXX XXXX, credit lenders are supposed to be capped at 6 %. Please adjust my account accordingly. Thank you.
Product: Money transfers

today i tried to get access to my pay pal account and was denied access. I called them and the woman on the phone told me that i was in violation of heir policies and they will hold my money for an additional 180 days there is over XXXX in that account which i have not fully had a chance to gain access to for over two months. I informed the woman on the phone that when pay pal restricted my account befor that i expalined on recorded conversation what my business entailed and after i removed the pay pal buttons from my social media pages my account was restored again. now for some strange reason my account ha been restricted oddly after i made first formal cfpb complaint. I feel discriminated against and i wish to cut all ties with pay pal due to their unfair practices when it comes to holding money that ive worked hard for.
Product: Credit reporting

I 'm writing in regards to a response received for a dispute filed with Experian. I have been disputing for several months now information on my credit report regarding XXXX creditors - XXXX, XXXX and XXXX. Experian has responded with only comments regarding XXXX ( XXXX ) of the XXXX creditors I have addressed. They have completely ignored the XXXX other creditors. With the XXXX creditor ( XXXX ) they did address, Experian failed to address what I was inquiring about. They simply stated the grantor has verified it 's accuracy and this was previously disputed. They did not address the specific question I asked about. I was not asking for verification or accuracy. My specific issue stated I consolidated XXXX loans, per the loan consolidation features, the loans that were consolidated should show a XXXX balance ( which it does ) and payment history removed. This has not happened, and was not addressed by Experian. Secondly, XXXX of the creditors ( XXXX ) is incorrect. The lender for that account is not XXXX. I even contacted XXXX, provided my SSN and they are unable to locate anything in my name with them. On this alone, this should be removed, but this was completely ignored by Experian. 
In summary, XXXX is incorrect, and was ignored by Experian. XXXX was ignored. XXXX was addressed but Experian did not address the specific reason I 'm disputing it. 
I have attached a copy of my letter sent to Experian as well as their response. Also included is my identity verification. 
Thank You, XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : 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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX, an auto loan account opened at XXXX XXXX XX/XX/XXXX under account number XXXX, an auto loan account opened at XXXX XXXX  on XX/XX/XXXX under account number XXXX, an student loan account opened at XXXX Department of Education XXXX XX/XX/XXXX under account number XXXX, an utility account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under account number XXXX, Fraudulent names also listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts and address have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries 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 credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX ACIMA  CREDIT  XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX ... XXXX  XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, someone has access to my equifax credit report and keep making disputes resulting in lowering my credit score for example all these accounts had received disputes which i never did ( ( XXXX   XXXX/XXXX XXXX  ) ) ( ( XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) ) ) ( ( XXXX/XXXX XXXX ) ) ( ( XXXX/XXXX XXXX ) ) ( ( XXXX/XXXX  ) ) i tried to contact one of them ( XXXX XXXX ) to see who made the dispute, they said they received the dispute from Equifax on XX/XX/XXXX Which i never did ( check the attachment for their answer ) Please Equifax Protect my Credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm reporting that transunion been provided in accurate information. As I asked for my credit report and asked them to remove in accurate information. This matter was never completed. Which this is costing me thousands of dollars reporting in accurate information on my credit report. 

I'm demanding this information to be removed due to The Fair Act Credit laws. 

please delete any other references to names as they are not mine and I have never used any of them. 

My only legal name : XXXX XXXX My only current address : XXXX XXXX XXXX XXXX XXXX IL XXXX My only Employer : XXXX XXXX  My only Phone Number : XXXX
Product: Debt collection

On XXXX XXXX, 2017 I filed a complaint against XXXX XXXX XXXX XXXX they were able to verify the alleged debt but did not validate the alleged debt against this consumer according to the Fair Debt Collection Practice Act.
Product: Checking or savings account

My XXXX  recently XXXX. I requested of pentagon, federal. 
Credit uniond to transfer her balance to my account. After my XXXX  funds were transferred to my account, Pentagon Federal Credit Union locked my ability to do anything with the accounts, and I attempted to close the accounts. I was told by pentagon federal credit union customer servic that they had to review with their XXXX  charge off and will, not release the funds. I had to file for banks seven years ago and another pentagon federal account was um charged off XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is Charged off from XXXX bank then sold to XXXX XXXX XXXX which is a violation of my rights I never gave any written consent for this to occur this is idenity Theft. The creditor has sold/furnished my debt and is now negatively reporting it on my credit profile this is damaging my name as I try to advance in life. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, has violated my rights. 

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. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I want this negative impact removed from my credit immediately or to be compensated for the violation of my rights 15 U.S.C 1681n States : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I would like to be compensated for all of these errors and violations.
Product: Debt collection

I received a notice from XXXX that a new debt placed on my reports. I looked it up and checked my mail. I never received a notice via mail or otherwise in reference to this debt from the,. I disputed this debt with another company and it was removed from my report. Now it has been placed on their again by another company. I am officially disputing agin.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is violating the Fair Credit Reporting Act by not removing fraudulent items from my credit report. The following items are as follows : XXXX XXXX XXXX, Balance : {$21000.00} and XXXX XXXX, Balance : {$14000.00}. I have filed a dispute with XXXX and they have yet to block the fraudulent items from my credit file and is violating the FCRA. Please have these items removed immediately, due to identity-theft and fraud
Product: Debt collection

On XX/XX/2020, I initially ordered XXXX online and paid with my CapitalOne credit card. Originally the price was around {$25.00} when you buy 3, with 2 free bottles included so I entered my order. After I researched the product and found out more about it, I saw it was not the best way to lose weight as it will affect my health severely. I immediately called the company where I made the purchase and explained I wanted to cancel the order, where I received a cancellation order number as well as an email with the same cancellation number. The company stated my card would be refunded, but then I received the same charge for the amount of the purchase by my credit card company on the following bill statement. I called CapitalOne on XX/XX/XXXX to dispute the charge, and received a letter confirmation dated XX/XX/2020 that the dispute would be investigated. On the same day, the product arrived to my house, even after I canceled the product. I called the company to ask how to go about the return ; they directed verbally and via email exactly how to return the product via XXXX with a tracking number, ensuring it was received. On XX/XX/XXXX, CapitalOne sent me a letter stating the company shows a no-return per policy was received from the company to them. This made no sense to me as I spoke to XXXX people from XXXX about returning my product, receiving a cancellation email and direct steps on returning the product. CapitalOne reapplied the charge and said I still needed to pay the charges. On XX/XX/XXXX, I sent in a letter to CapitalOne because I wanted to continue the dispute as I have everything in place that I sent things back in. Since then, I started receiving more charges on my account from companies I've never heard of and don't know how to use. This should have launched an investigation regarding the charges, as they are not remotely close to anything I have been involved with. I explained I no longer wanted to have a credit card with them, cancelled my account, but I can not pay a balance for purchases I did not make.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 I sent a letter to the credit bureaus as well as to the referenced companies requesting verification/validation of the account. The accounts do not belong to me and I wanted verification. As of today XX/XX/2024 I have yet to receive verification that any of the following accounts belong to me. These are not my accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 XXXX XXXX XXXX via XXXX XXXX XXXX has accessed my credit report. I have never contacted or seek to get any kind of financial product from the company. I have never provided my personal information to any bank or other institution in order to get any financial product at the time nor did I authorize any current business I am dealing with to share my information with them. This was a clear unauthorize use of my credit hence a flagrant violation of my rights.