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

I responded to an offer for a Wells Fargo Cashwise Visa Card. They opened the account. I was to receive XXXX bonus points ( {$200.00} ) after I made {$1000.00} in purchases within the first three months.

The offer clearly states : " 1. To qualify for the {$200.00} Cash Rewards Bonus, a total of at least {$1000.00} in net purchases ( purchases minus returns/credits ) must post to your account within 3 months from the date your account is opened. The bonus cash rewards will show as redeemable within 1 - 2 billing periods after they are earned. '' THIS IS A CUT AND PASTE FROM WELLS FARGO 'S WEB SITE MAKING THE OFFER. 

I completed the {$1000.00} in purchases on XX/XX/2018. The statement period ended on XX/XX/XXXX. Another statement period ended on XX/XX/XXXX. Another statement period should have ended around XX/XX/XXXX. There is no statement on their website as of XX/XX/XXXX but the account has a XXXX balance so there may be no statement generated. In any case, it's been three statement periods and the points have not been awarded. Their website shows that the bonus points expire on XX/XX/XXXX. 

I have a screen shot from their account web page that clearly shows : " Congratulations! You have a pending bonus since you have met the total Net Purchases spend as of today. '' In that pop-up screen, it also says the points will be awarded 1-2 billing cycles after the offer expires. But, that is not what the terms were in the offer. The same screen also shows that the points expire on XX/XX/XXXX. 

It appears as though Wells Fargo intends to expire the points before they make them available to redeem. Even if that is not the case, they have failed to make them redeemable within 1-2 statement cycles as advertised. I paid my propane bill on that card yesterday. I intend to pay that charge in part with those points. However, I have no confidence that Wells Fargo intends to perform on their offer. 

I have made several calls to Well Fargo and gotten several different answers. I have a recording from today where their second level supervisor says " yes the points should have been awarded already '' and then offers to open an investigation. I opted to be escalated to his supervisor who is supposedly " executive level. '' I doubt that, however, that person also wants to open an investigation. Whatever investigating needs to be done, should have been done after one of my previous calls. Clearly, when Wells Fargo investigates Wells Fargo, Wells Fargo finds that Wells Fargo has done nothing wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I still got closed accounts on my credit from a Unknown payment status the date opened was XX/XX/XXXX with a past due balance of XXXX dollars. The other account is from a Unknown payment status the date opened is XX/XX/XXXX with a past due balance of XXXX dollars. XXXX XXXX is also an closed account from XXXX that I am unaware of I never had XXXX XXXX in my whole entire life. I got a collection account that is derogatory with a balance of XXXX dollars that was in XXXX. My last closed account is also a derogatory with XXXX XXXX date was opened in XXXX I need all of this removed off my credit now
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. 

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

This is my NUMEROUS 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 Items XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX : # XXXX and # XXXX, XXXXXXXX XXXX  : # XXXX and # XXXX, XXXX : # XXXX, XXXX : # XXXX and # XXXX, XXXX : # XXXXXXXX XXXX XXXXXXXX : # XXXX, XXXX XXXX : # XXXXXXXX XXXX XXXX  XXXX : # XXXX and # XXXXXXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CONTACTED ALL THESE COMPANIES BUT NO RESOLUTION AND EVEN DISPUTED WITH ALL CREDIT BUREAU. STILL REMAIN ON MY CREDIT. I WAS TOLD TO FILED SO I CAN GET HELP. 

XXXX / XXXX XX/XX/XXXX. {$340.00} XXXX XXXX XXXX XX/XX/XXXX. {$1200.00} XXXX XXXX. XX/XX/XXXX {$13000.00} XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX {$2200.00} XXXX XXXX XX/XX/XXXX XXXX XXXX. XX/XX/XXXX {$4800.00} XXXX XXXXXXXX XXXXXXXX XXXX XXXXXX/XX/XXXX {$650.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$260.00} XXXX XXXX XXXXXX/XX/XXXX. {$610.00} INQUIRIES THAT WAS ALSO AFFECTED ON MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Act XXXX Account # XXXX, had violated my rights. 

15 USC 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 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Money transfer, virtual currency, or money service

XXXX XXXX and XXXX XXXX XXXX represented that they were selling their father 's XXXX XXXX on XXXX XXXX. After several weeks of negotiations, we agreed on a price. Friday evening XX/XX/XXXX, XXXX required a deposit to deliver the car to XXXX TN ( my home ) over the weekend. I initiated a bank transfer to XXXX XXXX Friday evening XX/XX/XXXX, but it was not going to post until Monday XX/XX/XXXX. On Saturday morning XX/XX/XXXX, she said she needed the money via XXXX to XXXX XXXX XXXX ( car owner 's son ) so they could arrange the transportation and to cancel the bank transfer ( which showed pending, and had not completed ). I sent additional deposit via XXXX that morning and XXXX said she would deliver the car XX/XX/XXXX. That day and the next day, after multiple attempts to contact XXXX via phone, text, and email, no successful responses and no car delivered. On Sunday XX/XX/XXXX I attempted to contact her again, no response. I reported the scam fraud to my bank, to XXXX, to XXXX, and to the KY Attorney General Consumer Protection division. I would like to formally report fraud and scam by XXXX XXXX and XXXX XXXX XXXX, and press charges if applicable and recoup my deposit money. 

My banking institution XXXX XXXX Bank informed me that the Bank Transfer could not be cancelled because they use a XXXX party system Zelle to process the transfer and they had no control. I explained to my bank the nature of the scam and fraud. I need to have the bank transfer cancelled and refunded in full.
Product: Credit reporting or other personal consumer reports

Upon the information provided from the dispute, Pen Federal Credit Union is in violation of report inaccuracies on my credit files. The documents they sent to me had a wrong social security number and address. How is this company reporting anything to my credit files with wrong information? The contact they sent, they blocked out the social security number, so how is that proof its my account?? On the original contract the social security number is wrong thats why they blanked out the information on the contract. This is illegal and this is not the right way to conduct an investigation. This company also sent me a check that does not have my information on it nor is it my account! The check did not have my signature on it. The contract they sent me also had a forged signature on the contract. The signature does not match mines someone signed that contract without my consent. Per the FRCA Law Section 623 ( a ) of the FCRA generally prohibits a person from furnishing inaccurate information to a CRA. Per the FRCA 1022.82 ( d ) ( 2 ). You have reported an address to my credit files that has not been verified.
Product: Credit card or prepaid card

On X/XX/17 I entered but dispute for a transaction that was made in Michigan unauthorized by me I have called 83 times and spoken to 17 supervisors and they tell me it will be resolved in 24-48 business hours but I never hear back! This is not the first time this has happened and I currently have three open to disputes of which two were shown favorable by mail and I have yet to be credited to my account. One letter indicates that I received a credit on XX/XX/XXXX but I never dead and the only reason I have not closed my account is because my XXXX check goes on to the card. Last year our money was lost for a long period of time so I 'm phones never returned but this year I ca n't take any losses I have been a customer for over 10 years in the last three years I believe that the company has been running up at the goalie not resolving disputes and not crediting phones they send us all a circle of phone calls with foreign agents and you can never get your money back or get anything resolved. I 'm afraid and needs those funds.
Product: Mortgage

Loancare is refusing to send me my equity balance of {$1400.00}. The home sold XX/XX/XXXX. 
The loan originated with XXXX  XXXX XXXX. XXXX  XXXX XXXX sold the mortgage to XXXX XXXX XXXX in XXXX unfortunately. I was sent the equity balance check of {$1400.00} not addressed to me, the home owner. I followed instructions by Loancare customer service to mail back the check to Virginia with a copy the deed etc. in XXXX. I've contacted them many times to correctly address the check, but they refuse.
Product: Debt collection

In the last three days, I have received seven phone calls from Navient. Two calls came on Wednesday six hours apart from each other. On Thursday two more calls came in. This time it was less than two hours apart from each other. On Friday, I received three phone calls less than three hours apart from each other. The phone calls Friday used a XXXX area code number and spoofed the calls. Also the third call when I answered no one spoke up and sat silent. It was their intent to have me hang up then call back which would then direct me to Navient. That phone call there is deceptive. Also, according to FCC regulations a business attempting to collect debt can not spoof a phone number. It is misleading and deceptive. Also, repeated attempts to contact in this case is a illegal under the Fair Debt Collection Practices Act. I want to make a formal complaint and speak to someone in regards to having my entire account removed from Navient. The company did not notify me that a chunk of my federal student loans, which I had consolidated into my private loans, were sold off to a separate company. This not only nullified any prior payment agreements with Navient, it also means I now and paying for double student loans. My payment options did not change under Navient and it was expected I continue to pay the current payment without getting an updated breakdown on my account or how this move impacts my account. Under the Fair Debt Collection Practices Act, the company has broken several of the binding privacy and best practices and I would like to file a lawsuit against the company.
Product: Credit reporting

I am unable to access my experian credit report online. I have a new report number issued XXXX XXXX, 2015 and every time I attempt to view my credit report it gives an error message that they are unable to complete my request due to the number of views associated with that report number. However, the report number is new. I was previously a victim of identity theft and regularly monitor all of my credit reports for suspicious activity.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed several fraudulent account. on my on my file. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Debt collection

Disputed with all 3 credit bureaus XXXX deleted both debts. As of XX/XX/18 XXXX  and XXXX replied stating accounts verified without sending any verified information within time frame outlined from the FCRA 611 ( a ) ( 5 ) ( A ) ( i ). FCRA 15 U.S.C.1681i. This would make my 3rd attempt. According to the law each company as 30 days to reply neither hadnt.. 

I C systems XXXX. XXXX XXXX {$820.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV {$210.00}
Product: Money transfer, virtual currency, or money service

In response to complaint XXXX PayPal made explicit that 1. PayPal permits buyers to send business payments ( with payment protection ) without including a description 2. If a description is not included in a business payment, PayPal will resolve disputes ( even obviously fraudulent ones ) in favor of the buyer, without requiring any evidence. 

This creates an obvious problem where PayPal actively participates in enabling fraud to occur, facilitating payments for services that it then guarantees it will refund to the buyer.
Product: Credit reporting or other personal consumer reports

To whom it may concern, As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I contacted your company to inform you that I am a data breach/identity theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXXXXXX XXXX XXXX Account XXXX Please send me the docs that prove that I was ever late. If you can't prove that you have proof, you need to remove these late remarks. 

XXXX XXXX XXXX Account XXXX Please send me the docs that prove that I was ever late. If you can't prove that you have proof, you need to remove these late remarks.
Product: Debt collection

United Collection Bureau purchased an alleged debt with my sons private and personal medical information from XXXX  XXXX. Then the sent a letter to me in the mail stating they are attempting to collect a debt in the amount of {$200.00}. This is identity theft and fraud. They violated many laws including 15 USC 1692a by invading my sons privacy. Someone at United Collection Bureau will be criminally liable for willful and knowing violations under 15 USC 1611.
Product: Credit reporting, credit repair services, or other personal consumer reports

BMW continues to report inaccurate information on my credit report. 

After multiple attempts to correct the erroneous credit reporting with them directly, they continue to ignore my requests. 

The information that should be reported is the following : -Postponed payment ( no status ) for XXXX, XXXX, XXXX, XX/XX/XXXX ( due to a natural disaster - COVID19 Pandemic ) -On time payments XX/XX/XXXX through XX/XX/XXXX when the lease balance was paid off. 

This information was being previously reported accurately to the credit bureaus ( I am enclosing proof as an attachment ). However when the balance owed was paid off on XX/XX/XXXX, BMW decided to break the law and report inaccurate information on my credit report by deleting/modifying the information that I described earlier.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report i must inform you that i am NOT responsible for these fraudulent accounts. Someone stole my identity and open up the fraudulent accounts in my name. I have already sent letters to remove this inaccurate information and here 's the tracking numbers. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code and 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 4 business days after the date of receipt. It has been 30 days and you are in violation of this law because I am 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 purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the 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 the accounts and inquiries listed IMMEDIATELY! 

FRAUDULENT ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I use Web Bill Pay service to pay my mortgage monthly. I have it set to have the payments arrive to them on the XXXX of each month when the payment is due. Even though they receive the payment that day, they never post it that same day and instead wait sometimes 5 days before posting it to my account. When they finally do, I have had to pay more in interest charges that do not get applied to my principal. When I have contacted them in the past, they have told me it takes them a few days to process payments. When I view my account it shows days past the XXXX when it finally gets posted. I have paid likely thousands of dollars in extra interest charges that I didn't owe because they will not process the payments right away. In this age of technology, there is no reason a payment should not be posted the same day they receive it. I am but one person, they are making MILLIONS off of other people by not processing payments when received. Can anything be done to mortgage processors who conduct business this way? It is literally theft! As an example, they received my payment on XX/XX/XXXX, but didn't process it until XX/XX/XXXX. This happens nearly every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/2017 Did a hard inquiry on my report and said I told them it was fine, I was shopping around for a lower rate but didnt talk to anyone or meet, said I would get up to 3 free offers and when I clicked on them they han it and didnt think they would do that. Talked to them and said well you did and we wont remove it.
Product: Credit reporting or other personal consumer reports

Reviewed most recent credit report and I noticed a collection/charge off that did not belong to me. After reaching out to the creditors, I was advised to contact the CRA to have the collection/charge off disputed and investigated as they do not have the ability to do so. After contacting the CRA I was meant with push-back even though I expressed the collection/charge off in questions did not belong to me. 

Under code 15 USC 1692g, 15 USC 1681C-2 and 15 USC 1681S-2 this is a clear violation of inaccurate reporting. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year and ability to obtain new credit to purchase a home.