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

I opened a checking account at Wells Fargo with a promotion code that offered a {$100.00} credit if you made XXXX debit and/or payments in 60 days, or set up a direct deposit. I made XXXX debit card purchases and XXXX payments in 60 days. When I called Wells Fargo one month ago they assured me that I met the qualifications and that I should expect a credit in about 8 weeks. 8 weeks later and I have not received a credit. Today I went into a branch and was told that I did not meet the requirements for the promotion. I believe this to be unfair practice and completely misleading. I also do n't understand how XXXX different employees in customer can be so ill informed about the policies and procedure of a simply promotion.
Product: Checking or savings account

On XX/XX/23 i noticed 3 {$200.00} for a total of {$600.00} charges posted to my account from XXXX XXXX, ca. I live in XXXX, ca and i have charges posted.on that same day. I had previously requested a new card and these new charges were made with my new card without being activated. I didnt even have complete account number to complete. Wells Fargo told me in 10 days o would have my money back. On XX/XX/23 they told me that the case was closed and i was not getting my money back. I want to know how i can go about getting my money back from wells fargo.
Product: Credit card or prepaid card

Citi illegally and secretly cancelled my debt protection insurance with the company XXXX XXXX which was linked to my Sears mastercard. Citi is refusing to provide a reason for the cancellation and is refusing to reinstate it. I have been trying to get this resolved for at least XXXX years. The most recent rep I communicated with via XXXX is now ignoring me. When I emailed customer service all they could say was the insurance was cancelled in XXXX XXXX, however XXXX XXXXXXXX says it was cancelled in XXXX XXXX XXXX XXXX says they could not re enroll me but Citi claims they can. As the insurance is offered by the bank it is clear Citi is the one being dishonest and fraudulent. They owe me compensation for this insurance that was cancelled without my knowledge or permission.
Product: Debt collection

I HAVE NEVER DONE BUSINESS WITH DIVERSIFIED CONSULTNTS # XXXX****. I FILE A REPORT EARLY THIS PAST SUMMER PLEASE DELETE THIS UNKNOWN ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I opened an account with Chase. After the account was opened, I never received any type of correspondence from the company past notification of card approval. I received a notice from XXXX XXXX that the account was 30 days past due on XX/XX/XXXX. Immediately I called the company, paid the bill in full and clarified with them some details about the account. I told them that I did not receive my card, I was not able to establish an online account and no statements or notifications have been received from Chase in regard to this account. The representative at Chase, ( XXXX from XXXX, Missouri ) notified me that electronic billing was selected at the time the account was opened, however, no bills or statements were sent to me. I asked the representative at to verify where the statements were sent and he could not do that, he could only verify my mailing address and was not able to see what email address they had been sending correspondence to. He stated multiple times that they were not able to verify if account statements had been delivered, and he could not verify what email address they had been sent to. XXXX helped me gain online access on XX/XX/XXXX. I have not received the card in the mail, so I was not able to do that myself. I asked XXXX why I had not received any correspondence from Chase and he stated on the phone that I wouldn't have received notifications from the company as I had just signed up for electronic notifications at the time he opened my online account. After I logged into my account I saw that the information they have on file is not correct and was not the same address that I had given XXXX previously. We have not lived at the address they have on file in over two years, and the mailing address is not XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX either. My husband is XXXX XXXX military, and we are stationed in XXXX, XXXX right now. I pay our bills on the XXXX  and XXXX of every month, and had I had notification or account access this bill would not have been delinquent at all. I have worked very hard to bring our credit scores up and establish a good credit history. I have tried to resolve this issue with Chase as I would surely not let a payment like this fall through the cracks had I been receiving proper account statements from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached documents. 

Transunion received my letter on XX/XX/22. I followed up with a phone call to Transunion on XX/XX/22.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, I looked at my report. I sent a letter to Equifax on XX/XX/XXXX asking them to reinvestigate these accounts : XXXX Dept of Education Account number : XXXX This account is reporting 120 days late payment. But it showing that I made payment two months in a row. So I didn't receive a 30 days late payment, 60 days or a 90 days late payment that is inaccurate reporting on my credit report. 

XXXX XXXX XXXX Account number : XXXX This account is reporting a 60 day late payment but is showing that I paid the month prior. Which means it not showing a 30 day late payment prior to the 60 day late payment and that is inaccurate reporting on my credit report. 

XX/XX/XXXX they sent me their investigation and said these accounts are complete and accurate. 

I looked at my report and noticed everything is still the same. and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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 1681eb they are supposed to ensure this ( b ) Accuracy of report.

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 and according to 15 USC 1681s-2 this is supposed to happen ( b ) Accuracy of report 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.

Equifax really did not reinvestigate they lied on an official document saying they did something they did not do. I have attached the proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent you a letter regarding inaccurate things on my credit report on XX/XX/2021 but to this day more than 60 days have passed, but I still received no response from you. I was told that FCRA obligates you to investigate these negative items within 30 days and remove them if nothing is found, but it has been over a month now, and your inaccurate reporting still affects my credit nor i get response from you. Apparently, you are ignoring my letters for some reason. These errors are causing me serious trouble so if this doesnt get resolved I will seek legal action. My information was impacted by Equifax data breach and may got into hands of the wrong person and its your obligation to fix all these errors.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding Zelle 's 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 the lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has an 60 Month installment loan with XXXX XXXX XXXX XXXX open on XX/XX/2018 to present that is paid as agreed on monthly basis. My Equifax credit report is reading a XXXX XXXX XXXX XXXX revolving loan instead of 60 month term installment loan, because it is missing 60 term on loan in the correct box under terms duration. Please update and correct my XXXX XXXX XXXX XXXX XXXX from revolving credit loan to 60 month term installment loan with Equifax, XXXX, and XXXX. For the months and duration of loan, it is missing 60 month term in correct box, Please add 60 month term to this loan in the correct box. XXXX XXXX states problem is with Equifax. Equifax states problem is with XXXX XXXX. XXXX XXXX XXXX just wants info corrected with both Equifax and XXXX XXXX XXXX XXXX.
Product: Prepaid card

On XX/XX/2024 I was charged by XXXX XXXX for a purchase I didnt make. On XX/XX/2024 I filed a dispute for the charge. On XX/XX/2024 I recieved a confirmation of the dispute and was notified that my card would be shut off until the dispute was finalized. On XX/XX/2024 and XX/XX/2024 I called inquiring about the status of my dispute to which I was notified that there was no update. On XX/XX/2024 I emailed inquiring and update to which I got no response.
Product: Credit card or prepaid card

On  XXXX / XXXX /17 I paid my balance down from {$3000.00} out of {$3500.00} credit limit, to {$410.00} out of {$3500.00} ( a {$2400.00} payment ). In addition, I paid an additional {$7000.00} to bring my balance down on my other   XXXX   revolving credit cards. Therefore, bringing the credit utilization % on my credit report down from 65 % to 8 %. However as soon as I paid the {$2400.00} on my Citi card Citi immediately dropped my credit limit from {$3500.00} to {$500.00}. The {$3000.00} drop from Citi in my credit limit now hurts my credit utilization % on my credit score. This is an unfair act that hurt my credit score and will hurt the mortgage rate I want to get for a 30 year mortgage loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

These fraudulent items should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in XXXX XXXX  & financially... and I would truly not what to pursue a legal remedy... I'd like the accounts below deleted from my file ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On multiple occasions I have submitted disputes online as to the validity of the companies and debts allegedly owed, including original contracts and agreement signed by all parties involved, and also through email for some companies. I do not recognize any of these companies as ever having loans through them but theyre reporting as original creditor on my reports. I have never received the information requested and nothing ever changed on my reports. As far as disputed I either I got a determination saying its valid debt within just a few days saying the debt was validated with no proof from the bureaus equivalent, XXXX XXXX, and experian ( which seems odd because there was no investigation ) and I never received proof. I have also reached out to the companies directly on multiple occasions through response to emails and never receive everything I asked for. XXXX XXXX, XXXX XXXX XXXX, and XXXXXXXX XXXX are the three companies that I can remember. XXXX XXXX was the one through email. All are reporting as original creditor and have dates saying they were opened within the last year which I know I have not taken any loans or credit cards in the past several years and none from any of these companies.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXXXXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX XXXX Account number : XXXX Balance : {$1200.00} XXXX  Account number : XXXX Balance : {$5400.00} XXXX XXXX XXXX Account number : XXXX Balance : {$1100.00} XXXX  Account number : XXXX Balance : {$660.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account number : XXXX Balance : {$1100.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account number : XXXX Balance : {$660.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has been allowing XXXX XXXX to report false information on my report without a proper investigation for years. XXXX XXXX illegally repossessed my vehicle XX/XX/XXXX. I stopped paying XX/XX/XXXX after requesting verification of my balance. Which they would not supply to me. XXXX has falsely and knowingly reported information on my credit report for years. When I dispute XXXX  will change a number ex XX/XX/XXXX120 days late to 160 days late and transunion says its valid. XXXX has opened and closed the account many time. Most recently changing it to closedXX/XX/XXXX dropping my score 40 pts. Transunion has always stated this a valid and verified according to the fair credit reporting act. This account has been closed for years. XXXX once reported to XXXX that I owed {$2300.00}, changed the date opened and that was validated by XXXX for months until I spoke to the attorney general in ma. I just want valid and verified information reported on my reported. I have tried to get answers about how my disputed information was verified without answers. This should be illegal but it seems as long as XXXX or whoever else just changes a number when info is disputed the credit agencies state its valid without any type of actual verification. This has been happening to me with XXXX and the CRAs for years. Do I really need to get a lawyer because these companies can report whatever they like while the CRAs verify whatever is reported without any type of information. This needs to stop and it needs to stop now. Im tired of being told false information about me is valid and theres nothing I can do about it. Now I cant dispute that my 10 year old account was closed 2 weeks ago because I already disputed and it was deemed valid.
Product: Debt collection

I contact Pressler , Felt & Warshaw , LLP to request once again to provide me with documentation with my SIGNATURE on it that shows when the account the stated I own was open and the representative told me THEY DONT HAVE IT.. I ask him how they sued me then with out the proper documentation and for my surprise he told me that he is not a Lawyer. SO IS Pressler , Felt & Warshaw , LLP IMPERSIONATING TO BE A LAW FIRM??? 

Felt & Warshaw , LLP STATED THAT I DID NOT RESPOND TO THE COURT .... ARE YOU GUYS SURE??? BY THE XXXX OF XXXX THE COURT RECIEVED MY RESPOND LETTER AND ON THE XXXX OF XXXX THEY WITHDRAW THE XXXX DOLLAR FILLING FEE THAT I SEND TO THEM BY CHECK FROM MY CHECKING ACCOUNT. 

I REQUESTED Pressler , Felt & Warshaw , LLP TO PRIVE ME WITH THE FOLLOW DOCUMENTATIONS 1.Documentation with my SIGNATURE on it that shows when the account they stated I own was open. 

1.1 Documentation with my SIGNATURE on it that shows I own Felt & Warshaw , LLP any sum of money 2.Documentation with my SIGNATURE on it that shows when the account they stated I own was open 3.Documentation with my SIGNATURE on it that shows when the account they stated I own was open 4.Documentation with my SIGNATURE on it that shows when the account they stated I own was open 5.Documentation with my SIGNATURE on it that shows when the account they stated I own was open
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding an unresolved issue on my credit reports. There is invalid information from XXXXXXXX XXXX XXXXXXXX which, despite my previous attempts to resolve it, remains unresolved on my credit reports. I believe this fraudulent account has been reported inaccurately and is adversely affecting my credit score. As a diligent consumer, I have exercised my rights under the Fair Credit Reporting Act ( FCRA ) to dispute this inquiry 's accuracy with your company. The FCRA explicitly grants me the right to ensure that my credit report is fair, accurate, and up-to-date. However, despite my efforts to rectify this matter, I have not received any satisfactory response or resolution from XXXXXXXX XXXX XXXXXXXX. I hereby request that XXXXXXXX XXXX XXXXXXXX remove this fraudulent account from my credit report immediately. I have attached my FTC report supporting documentation. According to the FCRA guidelines, I trust that your company will uphold its responsibilities under the law and resolve this matter promptly within the specified timeframe. If XXXXXXXX XXXX XXXXXXXX fails to address this concern and rectify the inaccurate reporting within the given 30-day period, I must inform you that I will be left with no choice but to pursue legal action to protect my rights as a consumer. I sincerely hope that it does not come to this and that we can find an amicable resolution to this matter before it escalates further. I believe in the importance of accurate credit reporting, not just for my financial well-being but for the integrity of the credit reporting system as a whole. As such, I expect XXXXXXXX XXXX XXXXXXXX to take this matter seriously and treat it with the urgency and attention it deserves. Thank you for your immediate attention to this matter. I expect that XXXXXXXX XXXX XXXXXXXX will adhere to its legal obligations and resolve this issue expeditiously. Your cooperation in this regard will be greatly appreciated. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  Account is 19 years old, three times mass limit of 6 years. I tried reporting to each credit agencies and no response.
Product: Credit reporting or other personal consumer reports

Card had 0 balance and I was just going to cancel it but I didnt and I pay the fee of XXXX and they said it was late and sent a negative report to the credit bureau over {$1.00} so then I used the card and bought airline tickets, meanwhile they sent another negative report again, I spoke to several people over the phone about this to no avail, so I paid off the card and closed the account. I work hard to keep my credit score in excellent standing now my credit score has been downgraded over XXXX points. I just wanted them to right the wrong, this card had a XXXX limit I am shocked and very mad about this. 
Thank you XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XXXX fails me by not prompting make sure it's the right person Also they can't do anything until the transaction has been finalized even then they can't do anything
Product: Credit reporting or other personal consumer reports

15 U.S Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.You are in VIOLATION of this law because Im a victim of identity theft!! Please delete these items IMMEDIATELY!!! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b- Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTIONS of the consumer whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT!!! As a consumer I am demanding the deletion of accounts listed IMMEDIATELY!!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX