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

I signed up for Wells Fargo 's Checking promotion earlier this year in late XXXX for {$250.00}. The bonus was broken into $ XXXX {$100.00}. Wells Fargo paid the initial bonus of {$150.00} on my account after meeting terms on XXXX but refuses to honor the 2nd portion of the bonus ( {$100.00} ) despite initially leading me to  believe I would get the {$100.00} as I will explain below. The terms for the second portion of the bonus were to continue making direct deposits of $ XXXX every 30 days for another 150 days following the initial 60 day period. 

Sometime just before XX/XX/2019 I contacted Wells Fargo via Secure Message asking about the status of my {$100.00} bonus. They  responded on XX/XX/XXXX indicating that I had yet to meet the terms but led me to believe that I was very close. They specifically detailed out that I made $ 500+ in Direct Deposits of {$600.00}, {$550.00}, {$780.00} & {$500.00} for the 4 months ( 120 days ) following the initial 60-day period and {$400.00} as of XX/XX/XXXX but presumably had until XX/XX/XXXX to meet it ( Deposits from XXXX XXXX XXXX XXXX and XXXX XXXX as XXXX ).  They said I had to make just {$96.00} by XX/XX/XXXX to receive the {$100.00}. The very next day on XX/XX/XXXX, a Direct Deposit of {$140.00} posted thus taking me over {$500.00} for the 5th straight month. So I thought I must be good for the {$100.00} bonus. 

Another month passes by and I still don't see the {$100.00} bonus post yet so I message them explaining to them that I had {$140.00} Direct Deposit post before XX/XX/XXXX. Now Wells Fargo tells me on XX/XX/19 that I don't qualify because I didn't meet the terms saying I only made {$370.00} in Direct Deposits from days XXXX?? ( 4th month ) despite their original message stating that I had done {$500.00}. I feel like I was screwed and deceived out of the extra {$100.00} bonus by Wells Fargo and that it should be honored.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX XXXX Account # : XXXX XXXX. XXXX XXXX  Account # : XXXX XXXX. 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.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. 

ALSO, Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. 

ALSO, The list of unauthorized inquiries below, XXXXXXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX OF XXXX Inquired on XX/XX/XXXX Ive noticed on my report. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report.
Product: Prepaid card

I received this AmEx gift card for XXXX on XX/XX/24. There is {$100.00} on the card. Ive attempted to use the card online at XXXX, XXXX, and XXXX. I attempted to use the card at XXXX  in person and at XXXX Convenience store in person. I called customer service XXXX different times and each time was told that my card was active and there was no problem and I needed to try a different retailer. These transactions were done between XXXX. I have been charged XXXX cents per transaction. I havent tried to split purchases and I havent attempted to spend more than what is listed on my card in the available balance. I even attempted to use the card to buy a gift card at XXXX and then tried again at XXXX to see if that would help. Customer service offers no solutions and will not send me a replacement card. I know of several other people that are having this issue, some within my own family. I want my money.
Product: Credit reporting or other personal consumer reports

IM IN DISAGREEMENT WITH THE ACCOUNT LISTED BELOW WHICH STILL APPEARS ON MY CREDIT REPORT, EVEN AFTER YOUR INVESTIGATION. I WOULD LIKE THIS ITEM IMMEDIATELY RE-INVESTIGATED. THE INACCURACIES ARE HIGHLY INJURIOUS TO MY CREDIT SCORE. 

ACCT NAME : XXXX XXXXXXXX ACCT NUMBER XXXX IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT PUBLIC LAW 91-506, TITLE VI, SECTION 611 PROVIDE THE NAMES AND BUSINESS ADDRESSES OF EACH INDIVIDUAL WITH WHOM YOU VERIFIED THE INACCURACIES ON MY ACCOUNT, PLEASE SEND ME MY UPDATED CREDIT REPORT AFTER YOUR RE-INVESTIGATION. THANK YOU
Product: Checking or savings account

I unfortunately was scammed by a company who claimed to be XXXX but wasnt and they took money from my savings and checking accounts but the bank wont return money to my account since I answered questions from theses scammers, whom I thought was helping me, but instead transferred money from my savings account to my checking account and then withdrew the money and I cant get that money back and it was {$1000.00} which I desperately need to have returned to my account. I hope you can help. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN SUBMITTING REQUESTS TO THE BUREAUS FOR THE LAST 7 MONTHS so since XXXX of XXXX  THERE is an issue WITH XXXX XXXX - IT'S REPORTED ILLEGALLY - IT'S reported as A CLOSED CHARGE OFF ACCOUNT by transunion and XXXX. 

XXXX REPORTS with XXXX XXXX as CURRENT with current activity and again it's closed marked as a charge off. They report POSITIVE payments and a current DATE LAST of ACTIVE, WHICH IS NOT ACCURATE OR POSSIBLE. This is illegally re-aged to my understanding XXXX REMOVED this account IMMEDIATELY. 

TRANSUNION based off of what I see has never investigated this. Under date last reported it suggests they have never looked into this. Each bureau reports a different date of last activity as well. If this had been verified then that wouldn't appear liek that.
Product: Credit card

Dear PayPal Credit XXXX XXXX, Someone has tried to call again, and I'm in the XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I would like to know if this is resolved once and for all. I never even wanted the PayPal credit account and was talked into it, and it has been nothing but trouble and fraud after fraud. The email and bank accounts keep getting altered. I have removed all that information now, so it can no longer be accessed while I rectify this identity theft mess. This PayPal credit balance and account do not currently belong to me. It shows an alnico of {$120000.00}, which needs to be removed, and the total account is closed. I want my regular PayPal account open as I have had it for numerous years and never had trouble with this before.

Thank you for your help and time. 
I have already sent in multiple dispute letters as instructed, and it has been well over 30 days, but it still needs to be handled. I want this resolved and updated without any more delay. This seems wrong. 
Thank you 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 XXXXXXXX XXXX Subject : Re : Subject : Fraudulent Activity on PayPal Credit Account Subject : Report of Fraudulent Activity on PayPal Credit Account To Whom It May Concern , I am writing to report multiple instances of fraudulent activities on my PayPal credit account. Despite my prior request to discontinue the PayPal credit feature while retaining my regular PayPal account, the issue persists.

Due to health concerns and recent medical treatment, I am unable to communicate via telephone, so I am resorting to email for assistance. I have received notifications of unauthorized alterations to my account and have provided the details of these unauthorized transactions below.

Unauthorized access has been gained to my account, resulting in alterations to addresses and unauthorized use of my bank accounts, gift cards, and bank cards through PayPal credit. I urgently request the closure of the PayPal credit account to prevent further unauthorized activities.

I appreciate your prompt attention to this pressing matter and anticipate a swift resolution. While I was previously informed of the account closure, it appears that another account was established and utilized. It seems that an individual is tampering with the account details, alternating between addresses and emails to place orders. Kindly close the PayPal credit feature and clear the balance, as this account and balance do not pertain to me. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit card or prepaid card

Around XXXX of XXXX I noticed XXXX XXXX XXXX reporting an open account on my credit report. I immediately called them to ask why they are reporting an open account on my credit report and was told that I applied for this account and purchased something for {$480.00}. I told the person I talked to that I did not make any purchases with their company nor did I ever apply for a credit card with them. I was then transferred to the fraud department who then told me the account would be closed down and that I will not be liable for any charges on this account. 
I then received a letter, dated XX/XX/XXXX, claiming that merchandise was shipped to customer 's verified address and unable to accept my fraud claim. I called once again and got into an argument on how they can not conduct a proper investigation. I then filed an Identity Theft Report with the Federal Trade Commission and sent them copies by Certified Mail and received another letter claiming a paper copy of the application is no longer available and totally ignored my identity theft report and also sent me a new statement showing a balance transfer of {$480.00} and with a new balance of {$510.00}. I did not conduct any business with XXXX XXXX   or XXXX and should not be held liable for an account that is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Complaint is Against All the Companies Listed XXXX XXXX, TransUnion, XXXX and XXXX  are reporting Bankruptcy information on my credit reports, which has caused me high interest payments on loans and credit cards. It has also caused me to be denied on various applications and credit cards. 

I have sent XXXX, TransUnion, XXXX  and XXXX  copies of information from the Bankruptcy Court that states they do not report to any credit reporting agencies. 

In addition, I requested each agency to stop reporting my information to everyone unless I consent by requesting a credit freeze. They all are reporting the information without my consent since 2019 and have not complied with the credit freeze or my option to Opt Out. 

I also sent documents concerning the class action law suit filed on the reporting agency for reporting Bankruptcy and each of these agencies refuse to change the disputes. 

This reporting is caused me to be denied a mortgage, and employment. My auto insurance cost has increased by doubled with this reporting. The interest rate on my auto loan has doubled and caused me to be denied for even refinancing my auto loan at a lower rate.
Product: Debt collection

CREDIT SERVICE INTL CORP Is reporting negative false information on my credit report. I do not have a contract with CREDIT SERVICE INTL CORP .They did not provide me with the original copy as I requested. Therefore the information they are reporting is fraudulent and needs to be removed off my credit report.
Product: Credit reporting or other personal consumer reports

The following items on my credit report are inaccurate : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Conducting inaccurate investigations that fail to properly remove/address disputes or accurately convey relevant information to the me. I've sent letters and called to dispute all inquiries and collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I got a letter from XXXX XXXX XXXX. Rejecting me because of slow payments of debts, too high debt ratio, and no history of installment loan payments. I had just gotten a loan from XXXX XXXX  XXXX  in XX/XX/XXXX for {$2500.00} payable in 48 months and I paid that loan in 6 months in XX/XX/XXXX. Then in XXXX they sent me a letter with the credit reporting agencies they used, XXXX, XXXX, XXXX  and with one I never heard of XXXX XXXX. Then Yesterday ( XXXX ) they made me aware of another credit reporting agency they used SageStream who are these people? I would like to file a complaint against XXXX XXXX XXXX, XXXX and Sage Stream for using erroneous information to deny me a loan. Also I want my correct credit score added to my credit information. I had just gotten credit reports from XXXX, XXXX and XXXX  and they were good.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected, Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redressed for these violations.
Product: Debt collection

this debt collector engaged in abusive deceptive and unfair practices of FDCPA which is prohibited. They furnished this accounts that we didn't agree upon and i didn't sign an agreement on. A legal contract is signed by two parties and i didn't participate in any of it more so they didn't follow the proper 5 step validation procedure which makes this unfair practice.According ti the fdcpa im entitled to XXXX dollars per violation and clearly the violated my rights
Product: Credit card

Amercian Express lowered my credit limit without informing me. My statement says that my credit limit is {$2000.00} but when I went online to make my payment on the due date of XX/XX/XXXX, the credit limit had been reduced to {$1500.00}. This {$500.00} reduction intentionally put my card at the limit which means they intentionally hurt me and my credit score. My credit XXXX score was XXXX, which is still considered GOOD credit. Therefore, there should have been no reduction to my credit when I am and have ALWAYS been an exceptional paying customer with every one of my credit cards and with American Express since XXXX. In fact, due to my exceptional payment history, I was given a credit increase without ever asking for one. Their excuse was that one or more of my other credit cards had high limits, which still had my credit score XXXX, but for them to force this card to the limit only intentionally makes it look like I have forced the card to limit. Thereby making me look like a higher risk when I had more than a {$1000.00} available balance on their card. They also know that this will intentionally hurt my credit score. To do something intentionally to hurt someone is pure evil. I did absolutely nothing to deserve this horrible treatment but ALWAYS PAY MY BILLS EARLY OR ONTIME AND ALWAYS PAY OVER THE MINIMUM AMOUNTS OF EVERY SINGLE CREDIT CARD THAT I OWN. I have attached a copy of my statement and the letter that I just received from American Express. Also, when I called in on XX/XX/XXXX, I was told by XXXX that I had to pay {$270.00} by XX/XX/XXXX, in order to have my credit limit restored. That is equivalent to nearly 7 payments. This is clearly unfair, and it should be against the law to be allowed to hurt a loyal and outstanding customer in this way intentionally.
Product: Debt collection

I am disputing a debt falsely reported by Arbor Professional Solutions on my credit report, indicating a collection of {$1000.00}. This debt does not belong to me, and I have never resided in or visited Florida, which is where the alleged account originates. This misinformation is a clear violation of my rights under federal law.

I have made multiple attempts to resolve this issue by requesting debt validation and documentation from Arbor Professional Solutions, as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Specifically, I requested proof of the alleged debt and the original contract that supports their claim. These requests were sent through certified mail, and I have received no response to date. Additionally, I have called and emailed the company multiple times without any acknowledgment or follow-up.

By reporting false and inaccurate information to the credit reporting agencies, Arbor Professional Solutions has violated my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. This includes : Failing to ensure the accuracy of the information they furnished to the credit bureaus, as required by FCRA Section 1681s-2 ( a ).

Failing to conduct a proper investigation into my disputes, as required by FCRA Section 1681s-2 ( b ).

This inaccurate reporting has caused damage to my creditworthiness and financial standing. I am requesting the immediate removal of this false information from my credit report and full resolution of this matter.
Product: Credit reporting or other personal consumer reports

For MANY YEARS we have been borrowing $ & PAYING IT OFF ON TIME OR EARLY, MOSTLY WITH CREDIT CARDS ... OUR CREDIT SCORE SCORE WAS, UNTIL RECENTLY XXXX .... & WE HAD A REVERSE MORTGAGE ON OUR {$240000.00} HOME & LAND..SINCE XXXX WE'VE HAD GREAT CREDIT WITH SEVERAL CREDIT CARDS FOR YEARS ... THEY CONSTANTLY MAIL US OFFERS OF " 0 PERCENT " SHORT TERM LOANS e.g. {$4000.00} for 12 months + very small UPFRONT FEE, like 3-4 %... SO WE WOULD PAYBACK FEE $ XXXX & {$4000.00} = {$4100.00} TOTAL FOR YEARS! IT IS LIKE FREE FREE LOANS!!! SOMETIMES WE TAKE ADVANTAGE OF THIS TO BUILD UP OUR RENTAL HOUSE BUSINESS..OUR CREDIT CARD COMPANIES NEVER EVER COMPLAINED! NOW, THIS YEAR XXXX WE ARE TRYING TO GET A CONVENTIONAL HOME LOAN $ XXXX TO PAY OFF THE REVERSE MORTGAGE! WE GROSS ABOUT {$33000.00} A YEAR. EVERY LOAN APPLICATION HAS BEEN TURNED DOWN BY SEVERAL LENDERS, BASED ON OUT CREDIT REPORTS ..WHICH ARE LOADED WITH ERRORS!!! WE ONLY HAVE 2 CREDIT CARDS & WE ONLY ONLY USE ONE! WE CLOSED ALL THE OTHER ACCOUNTS EARLIER THIS YEAR! THEY SAY ALL KINDS OF LIES ABOUT ON OUR CREDIT REPORTS!!!! " INSUFFICIENT LIQUID ASSETS ... .DEBT TO INCOME RATIO ... .LACK OF RECENT INSTALLMENT INFORMATION ... .TOO FEW ACCOUNTS CURRENTLY PAID AS AGREED ... .TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT... .RATIO OF BALANCE TO LIMIT ON BANK REVOLVING OR OTHER REV ACCTS TOO HIGH ... .IM XXXX XXXX XXXX ... IVE BEEN IN HOME CONSTRUCTION FOR MANY YEARS!!! I BUILT MY XXXX XXXXXXXX XXXX ON MY XXXX ACRES IN ABOUT XXXX ....! MY ELECTRIC BILL IS {$20.00} A MONTH, YEAR ROUND, FOR MANY YEARS & I HAVE ALL THE ELECTRIC BILLS TO PROVE IT!!! & MUCH MORE! THANK YOU FOR HELPING US!!! WE ARE TRUE PATRIOTIC AMERICANS!
Product: Credit reporting, credit repair services, or other personal consumer reports

Two years ago I went through this same issues and got it resolved. I had to sue one of the credit reporting companies to get the to remove what was not mine. I have been out of the country for 18 months and I come back to not 1 but 2 bankruptcies on my credit report. I contacted the courts and they told me the same thing they did 18 months ago which was they DO NOT report bankruptcies to the credit reporting companies. I don't now why these 2 bankruptcies are on my report or who filed them but for the 2nd time I need them to remove it. The removed it before not there are 2 new ones.
Product: Credit reporting or other personal consumer reports

Ive been patient with Trans Union for 2 years! Trans Union has deleted several disputed items from my credit report showing evidence of their violation. Ive tried several times to receive remedy from these violations and have been ignored several times. I know now that Trans Union is not only in violation of the FCRA but also with the SEC. Trans Union states in their SEC files that they do not intend to list notes with any security exchange. My file number is attached to a XXXX XXXX and XXXX on XXXX and is being traded which is security fraud and a violation on Trans Union behalf. Trans Union is acting as a criminal organization and a XXXX  scheme. They are also avoiding pay taxes by doing this. If Trans Union do not wish to conform with my wishes I will have no choice but to file the proper paperwork with the SEC and the IRS.