23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I was prompted to open a new savings account with Wells Fargo based on a targeted message/advertisement I received in my online log in at the Wells Fargo website. 

I opened the account, met the deposit requirements ( minimum funds + recurring transfers ) and have not received my bonus. 

I inquired online with Wells Fargo and was told to go in branch. In-branch they were unable to assist me as they said they could not help on online promotions. Therefore, I am reaching out in an attempt to get someone who can resolve this issue. 

I would like for Wells Fargo to honor the {$25.00} bonus they promised me for expanding my relationship with them ( see attached screenshot I took of the online offer ).
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

In XX/XX/XXXX I was involved in a Car accident. The XXXX XXXX which worked for XXXX XXXX had no insurance. He was a XXXX. I only had liability with my insurance company XXXX XXXX was the company. They would n't do any thing because I was n't at fault and only had liability insurance. I made the repair and charged it to my credit card and figured I would be reimbursed. The company did n't. I advised XXXX XXXX XXXX about the situation and figured they would assist and they did n't I gave them all the information. That is insurance companies the other drive etc. They factored the debt. Now XXXX years have passed and they are still bugging me. Furthermore, I just received a letter just as my credit was being reestablished. This was resolved back in XX/XX/XXXX and now it is reappearing and I 'm not sure why because according to the Fair Credit Reporting act time has expired.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  Account # XXXX, As violated my rights. 

15 USC 1681 section 602 States I have the right to privacy.

15 USC 1681 Section 604 A section 2 : it also States a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat A payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

This account has been charged off for tax purposes. It is showing closed but still reporting a past due balance and reporting as such.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX  XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXXXXXX XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance witht the Fair Credit Reporting act XXXX XXXX Original creditor : 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX : {$3100.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$740.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$78.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX
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 I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX. 

However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more are incorrect?

According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C 1681 section 602A. Stated I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : A consumer reporting agency can not furnish an account without my written instructions.

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: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I signed for a XXXX XXXX for my brother, XXXX XXXX. There was a car accident then the car was totaled out ( ruled by the insurance company ) and completely paid in full and in GOOD STANDING due to the XXXX XXXX 

XXXX XXXX XXXX XXXX has been refusing to remove this from my account for months even though this situation has been resolved for years. I have proof that it is correct on my brothers credit, but they are refusing to update on my credit. I want it remedied immediately because it is causing issues with me getting future lines of credit for anything my family needs. XXXX
Product: Credit reporting or other personal consumer reports

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

i have not supplied proof under the doctrine of estoppel by the silence Engelhardt. V Gravens ( Mo ) 281 SW715.719 presumed that no proof of the alleged debt. Nor theredore any such debt in fact therfore exisits. ( please remove these accounts before i seek litigation for defamation of character ). XXXX XXXX XXXX  XXXX XXXX {$3700.00}, XXXX bal. {$2500.00}, XXXX XXXX XXXX  XXXX XXXX {$720.00}, XXXX XXXX bal. {$1200.00}, XXXX XXXX XXXX bal. {$650.00}, XXXX XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX XXXX bal. {$68.00}, XXXX XXXX bal {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent XXXX XXXX and Experian a Dispute Letter requesting verification of inaccurate information being reported on my credit report. Letter was sent via certified mail and delivered. Dispute case was opened on XX/XX/XXXX and after only 1 week the dispute was " resolved '' by Experian. Several violations to the FCRA & FDCPA were committed. 

1. No verifiable evidence was provided ( bearing my signature ) for the ownership of this account. 
2. Experian or XXXX changed the 7 year removal date. Under federal law any negative account being reported can only remain on account for no longer than 7 years from delinquent date. Before the dispute was created the " age date '' of this account was XX/XX/XXXX. After the dispute, the date was changed to XX/XX/XXXX. This is an illegal action and account must be removed for violation of the FCRA & FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Stating that my account is delinquent and we actually have a complaint currently pending. The credit report states that I am 3 months behind.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XX/XX/year> Subject : Dispute of Civil Liability for Negligence and Noncompliance ( FCRA - Section 1681O ) Dear consumer Financial protection bureau I am writing to formally dispute the claim of civil liability under Section 1681O of the Fair Credit Reporting Act ( FCRA ) for alleged negligence and noncompliance that has been attributed to me. I believe that the assertions regarding my conduct are inaccurate and unwarranted. I respectfully request that this matter be reviewed thoroughly and that any erroneous claims be corrected.

To provide context, Section 1681O of the FCRA imposes civil liability for violations related to negligence or noncompliance with the credit reporting regulations. I have thoroughly reviewed the circumstances surrounding this situation and have found no evidence supporting that I acted negligently or in noncompliance with the regulations in question. 


I am requesting that you carefully investigate the matter and provide clarification regarding the allegations. If this dispute concerns any error in my credit report or a similar matter under your jurisdiction, I also request that you provide me with any pertinent documentation and confirm that any necessary corrections will be made to resolve the issue promptly. 

Please confirm in writing that you have received this dispute and are taking appropriate action. In the event that this dispute is not resolved in my favor, I would appreciate being informed of the specific reasons and any further recourse available to me under the law. 

Thank you for your prompt attention to this matter. I look forward to your timely response and resolution of this dispute. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

In XX/XX/XXXX I filed the same complaint, and you guys had it resolved less then a week. I've been told by TD Bank that my payments dating back to XX/XX/XXXX were being applied to principal and not interest while charging me for late fees, making it impossible for me to ever catch up on my payments when the whole thing is their fault AGAIN!. I contacted XXXX XXXX XXXX who told me in XX/XX/XXXX that he would handle this personally if I had any problems moving forward. So he tells me he no longer has my account and assigned me to a XXXX XXXX XXXX - XXXX XXXX and XXXX XXXX while I'm working with XXXX XXXX at the local branch who then gave me XXXX XXXX contact information at my request, are you following me so far? - They are giving me the run around. I have also attached some important supporting documents. I was so stressed last time I ended up going to the hospital only to find out I had XXXX  XXXX XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent two letter challenging the accuracy of this account one on XX/XX/2020 and the other on XX/XX/2020, and yet still no response. I also see in the comments section where there has been no actual investigation conducted this is a violation of my rights. You have violated my rights under FCRA with a failure to place this items in dispute under section 623 and I demand it be deleted immediately. THIS ACCOUNT IS STILL NOT XXXX XXXX Compliant Delete Now Creditor : XXXX XXXX XXXX Account Number XXXX  *I HAVE ATTACHED BOTH OF MY PREVIOUSLY SENT LETTERS WITH THEIR CERTIFIED MAIL TRACKING NUMBERS AND A SCREENSHOT OF HOW THIS ACCOUNT IS REPORTING AS OF XX/XX/2020 WITH NO " dispute '' acknowledgment in the comments section.
Product: Debt collection

Rocky Mtn. recovery system has sued me for not responding to a workman 's comp related medical debt originating from XXXX XXXX XXXX due to XXXX examinations and follow ups. Plus, added an additional XXXX to the principal debt of XXXX. However, I 've been paying on the out pocket to a second debt referred by XXXX XXXX XXXX to XXXX for testing involving my workman 's case ( XXXX ). The XXXX debt 's principal is XXXX. I had talked to rocky Mtn. recovery once and told them I would pay the debt when I could, likely after I had got the other higher debt paid off. I believe this lawsuit is an attempt to secure unfair fees and additional values at will. In the judgement there 's additional leverage at a 10 % percent increase annually until paid with additional cost and attorney fees prejudged into. In addition, the judgement allows property, funds and wages by execution or garnishment. I am not sure this is even a real document? It is stamped with names and initalled but no signatures.
Product: Credit card

Today I received a e-mail from XXXX XXXX XXXX XXXX that I was pre-approved for a Capital One credit card and that through their portal I could find out which cards I was approved. In addition, I was told that there would be no effect/inquiry to my credit file. I went to their confidential portal and with the pre-loaded information, I was pre approved for two separate cards. At this time, Capital One required more information to proceed with the pre approval. I completed it. Once again, in the process, I was pre approved for either of the cards, in addition, there would be no inquiry to my credit report. To my suprise, I received a private e-mail from Capital One requesting that they needed proof of me by supplying my drivers license, social security card or passport. I currently have other credit cards and never have they asked for personal and confidential information XXXX given to them. I believe this is either a scam or fraud. In addition, I have the documentation available to review. I hold XXXX equally responsible for false advertising regarding this " preapproval '' Capital One credit card.
Product: Bank account or service

They set-up my account incorrectly because their branch staff member is incompetent ( XXXX in XXXX VA ). I asked to be opted out of their overdraft program and he opted me in instead ( probably on purpose as I imagine the branch gets a kick-back for all overdraft fees ). When I received the XXXX overdraft charge I went in and he supposedly corrected HIS error and reversed my charge. I assumed all was well then 3 weeks or so later I received {$500.00} in overdraft charges ... No one in their " corporate customer support '' office would help at all, said I had to go into the branch which I did. They acknowledged that the error was theirs but the branch manager claimed she had to get approval from someone over her. Two weeks go by and every time I call the branch to talk to her she is " busy '' and will call me back. Of course she never does. Once I get the " customer service '' people to call me they call her and she claims she never heard of me and never had the discussion.
Product: Credit reporting or other personal consumer reports

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. 
XXXX XXXX XXXX Balanced {$0.00} XXXX XX/XX/year>
Product: Credit reporting

i apparently have now XXXX file with equifax XXXX without my middle names and the other with it as messed up my credit first i was told there was something wrong with they refused to tell me what i was told they could not acces my file i needed to send a written request via fax i was told to ask them to update my info i was told it would take 5 to 10 buisness days to process it after a week i call back i was told my information was updated but the problem was still there then they told me about the XXXX files i was asked to send again ( friday XX/XX/XXXX ) a written request to merge the XXXX files togetter and to write rush on it like that it would take 3 to 5 buisness days i called every day to ask if it was done friday XX/XX/XXXX i was told they didint receive the fax to wait till monday XX/XX/XXXX and call back ..i called back on monday XX/XX/XXXX was told they didint receive the fax to send another one written XXXX on it so i did ..kept calling back every day to know if they merged the XXXX files every day it was battle to get them to check my files the person answering the phone are making up XXXX trying to get me off the phone like i was told maybe my fax machine was broken was told the fax didint get send when i received a confirmation it was XXXX was told i sent it to the wrong number also not true was told the adress on my driver license aint right then i was told they could not read my date of birth on my driver license was told to wait the 3 to 5 buisness days when its been clearely more than that since i sent XXXX rush request on XX/XX/XXXX was even told a couple time it was done my XXXX files were merged i asked them what is the date you received the fax for this they tell me XX/XX/XXXX the didint even check once again today XX/XX/XXXX i was told they didint receive the fax that i should send the request via express post i need this resolved asap they created XXXX files under my name and they are fighting not to correct the mistake
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform.

Despite using zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds impossible and that tracking these transactions was infeasible The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Explain to me why I keep fighting this same fraudulent account that has been proven to be fraudulent that EXPERIAN has repeatedly deleted yet it keeps finding its way back onto my report and dropping my SCORE!!!!!!! why is this even an issue at this point ... I think this is definitely cause for a law suit!!! XXXX XXXX SHOULD BE REMOVED FOR GOOD, I WANT MY SCORE BACK TO WHERE IT SHOULD BE AND EXPLAIN TO ME WHY EXPERIAN IS even INVESTIGATING THE SAME XXXX ACCOUNT!! 

XXXX XXXX ACCT # XXXX needs to be removed immediately without investigation ... 

I am attaching all supporting documentation ....