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

I heard about Wells Fargo offering a sign on bonus of XXXXXXXX XXXX for new accounts from a friend. I recent moved and XXXX of their branches was near me so I decided to change banks and take advantage of the incentive. I had a check come in from my truck warranty company for {$460.00} that I used to open the account. I went online on XX/XX/XXXX and followed the procedure using all the prompts and did successfully open a new checking account with them, however I was directed to the local branch to make my opening deposit. When I went in to make that deposit on XX/XX/XXXX I made the deposit into the account number that I received online. My bank reflects that. I receive social security checks monthly for {$940.00} via direct deposit. I moved my monthly payments over to my new Wells Fargo checking account. The first direct deposit hit my Wells Fargo every day checking account on XX/XX/XXXX for {$940.00} and has been on going to this day. Totaling XXXX months straight. I am very happy overall with Wells Fargo, however when I contacted them in regards to the XXXXXXXX XXXX incentive bonus, I was told that I needed a code in order to receive it. I was never given a code, or if I was given a code I didn't receive it. I explained how I opened the account online, but had to make my initial deposit in person. I explained that I didn't receive a code online or an email, and they didn't give me one at the branch. If an email was sent with one it is possible that it went into spam or got auto deleted, but the fact remains that I opened the account and met all the requirements. The requirements being, being a new customer opening a Wells Fargo everyday checking account, having at least {$1000.00} in direct deposit into the account within 90 days, and the account remaining open for 90 days. My account is still open to this day. I would like the XXXX XXXX that I was guaranteed for choosing them as my new bank. My first contact with them on this matter was in XXXX. It went on for months, and even went to the escalation department, or so I was told. In the end I was told without having whatever code or number I was supposed to be given, that I didn't have, I was out of luck and closed my request. I like this bank, but should close my account just out of principle. All I want is the XXXX XXXX sign on bonus that I was promised. I held up my end of the deal.
Product: Debt collection

I disputed a zero balance collection from Credit Protection, XXXX XXXX XXXX, XXXX TX XXXX. The debt was paid in XXXX of XXXX. I sent letters to ask for removal and received no response. I then disputed the amount with XXXX. When XXXX intervened, Credit Protection reported/updated my account as a new collection as of XXXX, resulting in a XXXX point decrease in my credit score. Even though the balance is {$0.00}, the incorrect date of last activity severely damaged my credit score. XXXX is also disputing on my account. The confirmation number XXXX.
Product: Checking or savings account

Chase Bank froze my account illegally and returned all items I had out against the funds in account when they decided to " no longer do business with me ''. Chase Bank replied to my previous complaints and stated that they did not freeze my account. I am resubmitting my complaint with evidence and proof that they did in fact freeze my account illegally, and refuse to honor and pay items that I had performed in good faith with funds in the account. I find it very interesting that Chase Bank responded to your complaints and said they " did not freeze my account ''. That's not what they told my credit union, my mortgage company, my stock brokers, and my creditors. Evidence attached.
Product: Checking or savings account

On XXXX, I applied for the HSBC Premier Checking account via https : //www.us.hsbc.com/checking-accounts/campaigns/premier-offer/. You can see what the offer looked like then here : https : XXXX : //www.us.hsbc.com/checking-accounts/campaigns/premier-offer/. I was directed there after hearing about the deal on https : XXXX, which again also says you must go through that link. There is no reason why I would purposefully deprive myself of the bonus by applying through a different link, and the pursuit of the bonus was the sole reason that I opened through that link. I have contacted HSBC on XXXX and gotten case ID XXXX, on XX/XX/XXXX and gotten case ID XXXX, on XX/XX/XXXX and gotten complaint ID XXXX, and multiple times since. Every time they said that I didn't go through the proper link. HSBC has a well-documented history of claiming that you didn't go through the proper landing link : https : XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, and I hope all is well. While reviewing the credit profile to XXXX/XXXX/Transunion, the number of uncertain tradelines continues to be placed when the debt is unknown to the credit profile. XXXX XXXX hired a third-party collection XXXX XXXX XXXX to report an item on the credit profile. The continued actions have violated the Federal Credit Reporting Act. This is a violation of the law with continued failed practices, which decreases my credit score and creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/2019 to XX/XX/2019 submitted disputes about inaccuracies on credit reports. They Always sent back verified but never sent the results of said verification. No proof of verification.
Product: Money transfer, virtual currency, or money service

So on XX/XX/XXXX XXXX XXXX XXXX called me and said they sent a cashier check of {$420000.00} to my address and i asked why they didnt call me earlier before they sent out the cashier check to give me the tracking number or to even verify my address given the amount on the check. I went further to inform them that I no longer live in the XXXX XXXX address since XXXX and i am unable to access the address. I also reached out to the property manager and i was told there was no mail in the mailbox. I also requested that there should be a stop payment placed on the check and that XXXX very worried of the check getting into the wrong hands.i was later assured that nothing would happen to the check and if anybody try to cash out the check, it wont go through but i should go into the branch first thing in the morning on XX/XX/XXXX due to the fact that i was called by XXXX  on XX/XX/XXXX XXXX when the check already arrived at the address. So i was asked to go in the branch the next day to sign the lost/ stolen check declaration and other documents. I went in the bank and spoke to a branch manager and i filled all the paperwork and i was assured that nothing would go wrong and no one would be able to cash my cashier check and i should be receiving a new check to my new address on Monday XX/XX/XXXX. On XX/XX/XXXX i called the bank so request for the tracking number of the mail which is to be delivered to my address on XX/XX/XXXX and i was told that it was cashed out in citizens bank in on XX/XX/XXXX. So i asked how that was possible given that I did everything chase asked me to do right on time and i was assured that my money is safe. And also the cashiers check was paid out to only me so how would someone go into citizens bank and negotiate a cashier check in my name and citizens bank paid it out to the person. XXXX further asked me to file a police report and also fill out the forged signature document and open a claim on the money. I did all that and i was asked to wait XXXX XXXX. My main aim is to be able to get my money back without any excuse because my money is meant to be insured by XXXX, and citizens bank were supposed to verify the check from chase before releasing it to whoever came in the branch with my check.
Product: Credit reporting or other personal consumer reports

Recently checking my credit report I noticed that I've been a victim of identity theft and found numerous credit inquiries I have no knowledge of here are inquires that I've found : XXXX XX/XX/2XXXX XXXX XXXXXX/XX/2023, Please Remove these fraudulent inquires from my credit report. I have also attached my identity theft report as well
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX Account # : XXXX I was never late 30 days. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement.
Product: Credit card or prepaid card

My husband and I are joint users on a Citi bank credit card. On XX/XX/2022 we XXXX XXXX  at XXXX XXXX and canceled the order within XXXX minutes after realizing the furniture would not fit. XXXX XXXX confirmed cancellation and the cancellation explicitly states that your card was not charged. 

The line of credit is in my husband 's name ( XXXX XXXX XXXX XXXX ) I am an authorized user on the account. 

Today is XX/XX/2022 and Citi Bank still has not returned the money to the card. They are listing it as pending and will not release the funds. The purchase was for about {$6000.00} and we can no longer use this credit card, or spend enough to obtain the advertised bonus, because the money will not be released from processing. The charge should have, and did not, go through as stated by XXXX XXXX  cancellation email. 

We called Citi bank customer service XXXX XXXX to try and resolve the issue and have been told some of the following : - " the only way you can get this money back is if you claim fraud. '' it was explained, on a recorded line, that this was not a fraudulent charge and this was just a cancellation that was no longer needed, however the call representative told me that I would need to claim fraud in order to get my money back. I am not comfortable fraudulently claiming fraud and do not believe this is a proper resolution from a bank - " you have enough money in the bank to cover your purchases this credit line is not necessary for you '' -- this was a response from a supervisor when we asked him to please assist us in getting this charge removed. He told us we are lucky to have a credit line and that citi bank does not owe us anything. This is blatant discrimination based on socio economic status -- which is explicitly advised against by the CFPB. I believe the supervisor was named XXXX and works in the XXXX XXXX possibly XXXX. 

- " the charge wasn't actually canceled '' this was a lie as we confirmed multiple times with XXXX XXXX We have been hung up on multiple times.. we are sitting here with our hands tied and can get no resolution. I have never been treating so inhumanely by a customer service center. Every person we speak to makes up a different response and leaves us with no solution. We have offer multiple times to set up a XXXX call with the merchant XXXX XXXX XXXX XXXX and Citi bank XXXX We were told they will do no such thing and have nothing to do with this issue. 

We are often told someone will get back to us within XXXX hours but again hear no response. We have spoken to the bank about this issue multiple times over the past 2 weeks. 

I have multiple family members who have experienced such responses from Citi Bank as I have expressed here.. I really think this bank needs to be investigated into as it is unacceptable to be misleading consumers in this was and holding funds for such an extended period of time. I am looking for any kind of resolution from the CFPB. 

I would appreciate if my personal information could be kept private. Thanks. 

Please contact if you need any additional information.
Product: Credit card

i am a victim of identiy fraud and have reported to the ftc and the companies that have open accounts with
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Experian has kept reporting the disputed accounts claiming that the information they present is accurate, with which I greatly disagree. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please have these accounts corrected : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I contact CIC the company declined to remove my information theyve reported to XXXX. The did not provide me with any proof this was me
Product: Credit reporting or other personal consumer reports

I have unauthorized inquiry on my report from XXXX XXXXXXXX XXXX. I did not authorize this inquiry and there is fraud protection on my account which should have alerted me but it did not. So you are in violation of several federal consumer laws including USC 15 1681 I demand this unauthorized inquiry be removed immediately or I will not hesitate to pursue legal action.
Product: Credit reporting or other personal consumer reports

Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 


XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX XXXX FALSE OR MISLEADING XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 XXXX XXXX. .has placed a false inquiry on my credit report ( 2 of 3 bureaus ) that I did not initiate nor authorize.. I have reached out to them to dispute on numerous occasions with no response. 
They are violating my rights and harming me
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite sending FTC reports, police reports, notarized documents and filing disputes, and then hiring a credit repair company, all three credit bureaus and several creditors are still reporting fraudulent information and have not removed the items. Please see attached supporting documents that explain the situation, and the accounts in dispute. Complaints are being filed against both the bureaus and the creditors. This has been going on for years and it is extremely damaging to my credit and is costing me money to fight it. I want the items removed immediately. FTC and police reports attached.
Product: Debt collection

I took over a property in XXXX Idaho and months after I began receiving notices stating that I owed money for propane tank rentals. 

I immediately contacted them and they could not tell me what it was for. I explained to them that I never personally rented propane from them. Despite several calls I continue to receive notices from various debt collection companies attempting to collect on the debt from XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was included in my Chapter XXXX Bankruptcy United States Bankruptcy Court - District of Kansas XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Case Number XXXX - XXXX Open date XX/XX/2011 Vehicle Loan XXXX XXXX XXXX XXXX Account number XXXX " Bankruptcy Petition Fixed Rate '' No longer liable for this item
Product: Credit reporting or other personal consumer reports

I am submitting a complaint against Equifax for their failure to remove inaccurate accounts from my credit report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). Despite providing the necessary documentation to prove the inaccuracies, Equifax has not fulfilled its legal obligations under the FCRA, including ensuring maximum possible accuracy of my credit report ( 15 U.S.C. 1681e ( b ) ) and conducting a proper reinvestigation to remove the errors within the required 30-day period ( 15 U.S.C. 1681i ( a ) ). This ongoing failure has caused harm to my financial standing, and I demand that these inaccuracies be removed from my credit report within 4 days. I am requesting the CFPB to take immediate action to hold Equifax accountable for their noncompliance and ensure my rights under federal law are upheld.
Product: Credit reporting or other personal consumer reports

recently checked my credit credit report and found hard inquiries which was unauthorized so i want them off my report both XXXX and XXXX has already removed them I'm haven hard time with both TransUnion ON Subject : Request for Removal of 18 Unauthorized Hard Inquiries I am writing to dispute all the hard inquiries listed on my credit report, which were made without my authorization. These inquiries are negatively impacting my credit score, and I request their immediate removal. According to the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure that the information on my credit report is accurate and verifiable. Specifically, under 15 U.S.C. 1681b ( c ) ( 1 ) ( B ) of the FCRA, a consumer report is only permissible if it is requested for a legitimate purpose with my explicit consent. I have identified the following hard inquiries that I did not authorize : [ List the companies and inquiry dates that need to be removed ] These inquiries were not made with my consent, and I believe they are a violation of the FCRA. I am requesting that you investigate these inquiries immediately and provide evidence of my authorization. If you are unable to provide such evidence, I ask that these inquiries be removed from my credit report. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) of the FCRA, you are required to investigate disputed information within 30 days of receiving this notice. If you determine that these inquiries were unauthorized, I expect the hard inquiries to be deleted from my credit report and confirmation of the deletion to be sent to me in writing. Please also forward an updated copy of my credit report once the investigation is complete. Thank you for your attention to this matter. I look forward to your prompt resolution and response within the legally allotted time frame. I will Attach F.T.C .Report
Product: Credit reporting, credit repair services, or other personal consumer reports

I started the year off by checking my credit report and I found a whole bunch of stuff on it that was not mine and a lot of stuff that was just not true so I sent some letters into all three bureaus and I have yet to hear anything. Its been along time and I just don't understand it. I called and told them about it and they were very rude. It was hard to get someone on the telephone. I want this stuff removed from my report as the FCRA says because this is some total catastrophe. Please make them abide by the law
Product: Credit card or prepaid card

On XX/XX/2018, I was checking my American Express offers in their website. It said a {$150.00} dollar statement credit after {$1000.00} dollars purchase before 90 days. I started the application and then I realized that I may not be eligible for the bonus offer. So I did not finished the application. The next day I've got a call from a AMEX marketer saying why I did not finish my application and I told him about the bonus. He told me that I was indeed eliglbe for the bonus, so I finished the application.

Now I've compain about it and the told me that I was not eligible regardless of what the rep told me. I asked for the recording and it were denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bb & t told me I could enter into Covid forbearance program without having any negative credit reporting consequences. I recently applied for a job and was told they went w other candidates and it didnt help I showed forbearance on home mortgage on my credit report. This clearly hurt me even though bb & t told me I would not be negatively impacted by using the Covid program. My taxes bailed out BB & T. Why wont they honor their word and take this off my credit report so I can get a job back in financial advisory services. Thanks.
Product: Credit reporting or other personal consumer reports

My father and I have social security numbers that are XXXX digit apart and have the same first and last name. 

We have different addresses and different histories but the reporting agencies always have material that ends up on XXXX or the other. I'd like to have his information off my history because it frequently causes problems for backgrounds checks at work. This is the XXXX time this has happened over 15 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts don't belong to me they are fraud accounts. I have listed these accounts in my FTC report. I demand these accounts be removed from my credit report and blocked from any future reporting. I have attached the following information for your review. I have been a victim of identity theft, my information was found on the dark web as well as Equifax and XXXX were exposed. I demand the blockage of these accounts. I am in the middle of purchasing a home and these items are affecting my closing. Failure to not comply with my demands will sue for defamation of character, and violation of my rights to privacy. I will pursue this in small claims court if my demands are not met. Federal law requires all information to report accurately if not removal is needed. 




XXXX. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately. 
I demand that you show me a copy of the items listed in this letter as well as those stated below if you can not produce these items, you must delete them. 

XXXX. XXXX. Validation of the debt-that is, the actual accounting. 
XXXX. 
XXXX. Verification of signed Invoice.

5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered. 
XXXX. Please provide the original do curse and wet signature if you can't provide these items Delete them.