23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Im trying to activate the card. Set up my account and created answer to a security question. Wrote down the answer exactly as I entered it. I did put a space in the answer but I didnt see any instructions telling me not to do that either. Ive done it on other apps with no problem. The app told me my card was locked and I have been unable to activate it either on the app, online or over the phone. The written documentation sent with the card instructs to do it any of those ways. Since it locked up, I attempted to get assistance from the number provided. It says a live agent will be available as soon as possible but I could not find anyway to get to a link who could help me with my locked card or activate it. It takes you through a series of unrelated links and tells me I will be charged for calling for my balance ( I know my balance, Im not calling to hear it ) and so I wait online for over 1hour and the line hangs up on me, then the over 2hrs until I cant stay up any later. So I check my account that I can log into and it has 3 charges of {$.00} each for something I was asking for ( balance inquiry ) and I still get not the slighted hint that I might get some help. So is two issues instead of one, its not the amount of money charged that bothers me. Its the lack of accurate information, live customer service 24/7 like they advertise on their website and the audacity to charge me for things on an account I cant even use yet. Either the mailed instructs or the phone number are wrong. And I called every number I could locate. I started this at XXXX and started this complaint when I located a link with your address on it after XXXX. Im not the only one going through this with this card company. PLEASE HELP!
Product: Credit reporting or other personal consumer reports

Please assist in deleting, all payment history on this account, and update them to positive
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX, Equifax, and XXXX for their failure to remove old, outdated, and incorrect information from my credit report. Despite multiple attempts to rectify the situation, these credit reporting agencies have continuously neglected to update my personal information accurately, causing significant distress and potential harm to my creditworthiness [ 1 ].

The inaccuracies in my credit report include multiple addresses, outdated phone numbers, and incorrect employment details that do not reflect my current situation. This misinformation not only portrays me inaccurately to potential lenders but also creates unnecessary stress and anxiety due to the constant need to address these errors repeatedly [ 1 ].

I have provided these agencies with my correct and up-to-date information, including my current address, employer, and phone number. However, they have failed to make the necessary corrections, despite my clear instructions and demands for immediate action. 

The lack of action on the part of XXXX, Equifax, and XXXX is unacceptable and has the potential to have severe consequences on my financial well-being. I have already expressed my frustrations and concerns to these agencies multiple times, but their continued negligence and incompetence have left me with no choice but to escalate this matter to the highest authority possible. 

I urge the Consumer Financial Protection Bureau to investigate this matter promptly and ensure that XXXX, Equifax, and XXXX comply with the Fair Credit Reporting Act. It is crucial that these agencies rectify the errors on my credit report without further delay to prevent any further damage to my creditworthiness and financial stability.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute fraudulent accounts that are on my account. I am a victim of identity theft. I did not nor was I aware of these fraudulent charges on my credit report. I am asking that these charges please be removed and that I will receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13
Product: Credit card

I have been a victim of identity theft for the past 4 years. There have been Fraudulent Items being reported to my Credit Report. The following account THE GOLDEN 1 CREDIT UN ( Account Number : XXXX ). Date Opened : XX/XX/year>. XXXX {$100.00}. I have never had an account with this company. Cease the reporting of the fraudulent item being reporting immediately. I am not liable for this debt with THE GOLDEN 1 CREDIT UN. I have attached a copy of my ID and FTC report. ( Please see attachments ).
Product: Debt collection

Today XX/XX/2022, I received a call from I.Q Data International. They call to inform me on a debt from a former apartment complex. I advised the agency that I have tried to set up a monthly payment amount within my budget to the complex and payments are currently being sent at {$300.00}. I also advised that I was working during the call, this comment was totally disregarded by the agent. I advised the agent of my work hours XXXX to XXXX and they insisted I call them at XXXX on a resolution or they will no longer be able to hold the account and enter refusal to pay. I advised them, they are asking me to conduct personal business during my work hours. I also advised them per the fair debt collection act, I have the right to receive the debt in writing within 5 days of contact.. The agent advised the letter was mailed XX/XX/2022 and not sent over night. I advised the agent I will call them to discuss debt after I receive the notice.
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. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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: Debt collection

have no recollection of a collection that was placed on my account. I have reached out to the company and waited 30+ days after asking for validation with signatures from my name they never responded, however continue to harassing me and call my phone after business hours. Please remove the collection trans world system inc. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This vehicle was paid by insurance claim was unaware of any other charges this account has also been on my credit report for 8 years and 11 months as closed
Product: Debt collection

While processing a payment for an online purchase through PayPal, I was the victim of Identity theft. I thought I was communicating with a PayPal employee ; however, someone intercepted and instructed me to use a link to fix a problem with my account. I was using my debit card. In the space of a few minutes, the criminal transferred four payments from my bank account amounting to a total of {$2400.00}. As soon as I realized what was happening I ended the call and attempted to contact PayPal without success. I then called the credit card company and cancelled the card. I notified my bank immediately and they refused to pay PayPal for the transferred pending amount when they found out I had been victimized. I registered complaints with PayPay explaining that I did not authorize the payments. They were negligent because they failed to monitor my account. The purchases were way out of line for my customary types of purchases. I never made purchases that amounted to more than {$150.00}. They should have questioned the 4 transactions because the purchases totalled {$2400.00} and were placed within a period of a few minutes. I contacted the PayPal customer service department who transferred me to their Resolution Department. Three attempts were made to resolve the problem, but they refused to work in my behalf. They informed me the payments were not unauthorized. The incident happened on XX/XX/2020. PayPal has assigned a collection agency to collect the {$2400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly asked Equifax to investigate and remove all fraudulent and/or unauthorized inquiries from my Equifax Report.
Product: Credit reporting or other personal consumer reports

I have been trying to resolve issue with bank providers due to fraud, on several accounts. Please look into the this matter, as it has been 10 years XXXX as well as XXXX XXXX XXXX. I have not had the proper investigation due to me asking for statements and putting money into the account. The account was closed with out my knowledge of any fraudulent transactions.
Product: Credit reporting or other personal consumer reports

I was never notified ; I am unaware of said debt and was never given the proper opportunity to rectify.
Product: Credit reporting or other personal consumer reports

My information was exposed in XXXX XXXX I would like to file FTC report. 
I now have unauthorized callers and unauthorized inquiries on my credit report please help
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is incorrect, addresses, phone number, and employer are all incorrect, and I tried disputing the information multiple attempts with no response.
Product: Checking or savings account

To whom it may concern, Were writing in the hope that you can help us resolve a problem we are having with Chase Bank. 

Recently, we received a letter from Chase informing us that our checking account had been closed. ( XXXX ) The letter also stated that all the money in the account had been removed. ( {$8500.00} ) Nowhere in the letter did Chase Bank offer an explanation as to why the account had been closed or where the money was. We have spent countless hours dealing with Chase regarding this matter over the past XXXX weeks and, as of this writing, have spoken with XXXX Chase employees, none of whom has been able to provide any help whatsoever. 

A little history. The account in question is a basic checking account that our small neighborhood group uses to pay for road maintenance. Everyone contributes what they can into the account and then we use the funds to pay the contractors. Its important to keep the road maintained, especially in the winter, because there are quite a few retirees and older folk on the road who need to have a clear road in case of an emergency.

To pay for this maintenance, we opened a checking account at Chase Bank. Everything was fine until we received a notice from Chase telling us the account had been closed. And the money was gone. Chase never informed us they were going to close the account and the money just disappeared.

Assuming this would be a simple mistake to correct, we made an appointment with our Chase XXXX XXXX at the XXXX, XXXX  office hoping to straighten things out. XXXX eventually located the account and told us it had, in fact, been closed and was now in the hands of the Fraud Department. He told us he would find out what was happening and get back to us. 

We chose to be patient. 

It's now going on XXXX weeks and despite speaking with XXXX people in the Fraud Department and investing countless hours to this, we have yet to find anyone, anywhere at Chase Bank who has a clue where our money is or, more importantly, when we will get it back. Again, this is a basic checking account with about {$8000.00} in it that a group of retirees use to fix potholes. 

Im pretty sure if Chase had accidentally deposited {$8000.00} in our account, we would have instantly received XXXX emails, XXXX text messages and countless phone calls to get the money back. 

This is really disgraceful behavior on the part of Chase Bank. Can you please help us find out what happened and help us get our money back. 

Thank you in advance for your attention to this, The residents of XXXX XXXX XXXX. XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

Ive been a victim of identity theft since XXXX along with the XXXX data breach and an another breach leaking all my info including bank accts social and logins. Due to all of this i now have accounts on my report from XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, another XXXX, a utility, and 9 accounts opened but closed by creditor right away. I hsve over 160 inquiries, my name on my reports has 8 different spellings. XXXX XXXX sent multiple emails dated back to XXXX declining some transactions and alllwimg some. Ive attached photos. They then credited me back for all of it. XXXX and all the accounts opened without my knowledge are not helping. Ive filed 2 police reports 2 ftc reports, closed my account with XXXX XXXX but all the accounts in both ftc identity theft reports are not mine. This is affecting my life. I have disputed them 3 times with proof. They even used my bank accounts to pay on open accounts. XXXX did conclude it was fraud and reimburse me but the creditors have sent some to charge off including late payments and none of this is mine.
Product: Credit reporting or other personal consumer reports

This afternoon, I was completely stunned to see incorrect accounts appear on my credit report. I check it regularly, and everything has always been fine until now. I even refreshed my browser, hoping it was some kind of error, but the inaccurate accounts didnt go away. Because of this, Im asking for the documents I provided to be properly reviewed so that I can stop stressing over this once and for all.
Product: Money transfer, virtual currency, or money service

I ordered {$150.00} worth of XXXX XXXX from Bank of America, my bank, and specifically asked for big bills but instead they sent me only XXXX XXXX XXXX XXXXXXXX  which is not only very dangerous to carry big stack of low value money but also very impractical. When I called the bank of America XXXX XXXX to ask them to replace it, they hung up on me. Now I am stuck with a stack of money I can not even use
Product: Credit card or prepaid card

We opened credit cards with Home Depot and Costco. Both cards are through Citi Bank. With the Home Depot card, it was opened as a paperless statement. We never received and email with the statement and notification for pending bills were received the day the bill was due. With the Costco card, we were switched to paperless bills with no notification. Similar to the Home Depot card, the emails about pending bills/balance due were sent the day the bill was due. With both cards we missed a single payment because notification of balance due for the month was received the day it was due This then resulted in a late fee, plus interest charged for all charges until we made two consecutive payments on time.
Product: Credit card

On Thursday XX/XX/year> I called Bank of America and advised I was unable to review & redeem my rewards money. She stated she would put a ticket in and it would be fixed in a day or so. 
On Friday XX/XX/year> I called BOA again and was told there was a problem with the app and it would be fixed by the weekend. 
On Monday XX/XX/year> I called BOA again and was told they were unaware of a problem but would put a ticket in. I asked to speak to a supervisor and was disconnected. 
On Thursday XX/XX/year> I went to a branch of BOA in XXXX XXXX & spoke with XXXX XXXX. She stated she would put a ticket in to get it fixed. She stated that was all she could do. 
On Friday XX/XX/year> I sent her an email asking what has been done to fix my inability to redeem my rewards money. On said date she called and stated it was an app issue. I advised her as well as all the other employees of BOA that I knew they were found guilty and fined XXXX XXXX dollars for not paying customers back their rewards money. All employees stated they were not aware of this lawsuit.
Product: Debt collection

Sequium asset solutions called multiple times from multiple lines to my cell number. They call repeatedly. They called 3x today that I answered. 2x I told them to stop calling, 1x specifically to not call that number and they still kept calling. I asked for mail only and have received nothing from them but a ridiculous amount of phone calls.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original XXXX XXXX  with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Product: Mortgage

Ocwen, initially approved a short sale for {$280000.00} if I 'm handling for a probate listing. We were waiting for the court appointed appraisal to come back which took some time, and it was {$280000.00} as well. In the meantime the buyer backed out and we got a replacement buyer for the same dollar amount and I was told it was a trustee sale at the end of the month no one told they wo n't postpone the trustee sale to even consider the offer because it needs to be 100 % of the market value in order to stop the trustee sale. Wish I have an initial short sale approval for {$280000.00}. The other issue is this is dual tracking which is illegal in California. Attached you will find the short sale approval that was initially given to us for XXXX along with our offer that is consistent with their approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I've never made a late payment XXXX This isn't my account XXXX XXXX I've never had a charge-off with them. They said the credit bureau have to fix it. Transunion have yet to fix it. 

XXXX XXXX This isn't my account As far as the inquiries, they are not authorized which is a fraudulent act. Please delete! 

I reported these accounts as Fraud through the FTC. 
My rights under the Fair Credit Act were violated. I have the right to sue.
Product: Debt collection

To Whom it May Concern, This letter is a formal compliant that you are reporting and incomplete credit information.

According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried contacting equifax on several occasions. They refuse to provide me access to dispute my credit report. They state I have an account and when I try to access or reset password it state account does not exist.
Product: Checking or savings account

Dear CFPB and Wells Fargo Representative, I opened a Premier Checking account ( ending in XXXX ) at a Wells Fargo branch with XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) on XX/XX/XXXX using promotion code XXXX. The banker enrolled my account in the " Open or Upgrade to a Premier Checking Account and Get a {$2500.00} Bonus '' promotion, and

Wells Fargos system accepted the promotion code and indicated eligibility at the time of enrollment ( see attached bank opening receipt ). Promotion Terms : I have attached a copy of the promotion terms, which state : " Eligibility Restriction : You are not eligible for this offer if : You have received a bonus for opening a Wells Fargo Premier Checking account within the past 12 months Requirements : 1. Open or upgrade to a Premier Checking account by XX/XX/XXXX. 
2. Bring $ 250,000+ in new deposits to qualifying linked accounts within 45 days of account opening.

3.
Maintain at least a {$250000.00} balance through Day 90 after account opening.

The bonus should be paid within 30 days after meeting all requirements. '' Key Facts : Bonus Eligibility : My last Premier Checking bonus was issued on XX/XX/XXXX, more than 12 months before opening this account ( previous Premier Checking account closed on XX/XX/XXXX ). The terms explicitly state " Premier Checking bonus '' not other account bonuses like Everyday Checking or savings bonuses.

Promotion Confirmation : The attached account opening receipt confirms the promotion is available to my new Premier checking account and was applied successfully, and no system error indicated ineligibility.

Deposit & Balance Compliance : 1. Deposited {$250000.00} into my linked Wells Fargo Advisors account on XX/XX/XXXX ( within 45 days ). 
2. Maintained a XXXX XXXXXXXX balance through XX/XX/XXXX. 
3. No monthly fee charged : I have not been charged a monthly fee on my Premier Checking account, which requires maintaining XXXX XXXX in statement-ending qualifying balances. This confirms compliance with the qualifying balance requirement.

Key Dates : 1. Day 90 after account opening : XX/XX/XXXX 2. Bonus due by : XX/XX/XXXX 3. As of today ( XX/XX/XXXX ), I have not received the {$2500.00} bonus.

I have fully met all eligibility requirements and request a formal investigation into Wells Fargos failure to issue the bonus.

Attachments : 1. Promotion terms at enrollment.

2. Account balance screenshots.

3. Account opening receipt confirming offer application.

Thank you for your assistance.

Best regards,