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

Subject : Complaint Regarding Wells Fargo XXXX Checking Account Bonus Dear Consumer Financial Bureau, I hope this email finds you well. I am writing to bring to your attention an issue I have encountered with Wells Fargo regarding a promotional offer for opening an Everyday Checking Account. Wells Fargo has advertised a cash bonus promotion falsely, and I am seeking your assistance in resolving this matter. 

In XX/XX/2023, I came across an online promotion by Wells Fargo offering a {$320.00} bonus for opening an Everyday Checking Account. The promotion required the fulfillment of a condition, namely receiving a total of {$1000.00} or more in qualifying direct deposits within XXXX calendar days from account opening. At the time, I opened the account online on XX/XX/2023, using the bonus offer code XXXX, which was attached to my application. 

Over the course of the next 90 days, I ensured that I met the requirements of the bonus offer by arranging for direct deposits from my employer, XXXX, to be made into this Wells Fargo Everyday Checking Account. However, upon the completion of the XXXX qualification period, I did not observe the promised bonus credit in my account. Concerned about this discrepancy, I contacted customer service on XX/XX/XXXX to inquire about the situation. The representative confirmed that I had indeed fulfilled all the requirements and assured me that the bonus would be credited to my account within another 30 days. 

Unfortunately, even after the additional waiting period of 30 days, I did not receive the bonus credit. Today, on XX/XX/XXXX, I contacted customer service again and spoke with a representative named XXXX, who assisted me in filing a complaint. The reference number for my complaint is XXXX. As a resident alien for tax purposes, I am deeply troubled by Wells Fargo 's practices of enticing customers with false cash bonus claims. 

In light of these circumstances, I kindly request your intervention to help me resolve this matter with Wells Fargo. My expected resolution is to receive the promised cash bonus of {$320.00}, which was offered to me upon opening the account. It is disheartening to discover another similar campaign for their checking account in XXXX, as seen at https : //accountoffers.wellsfargo.com/checkingoffer/. I urge you to investigate these misleading practices and ensure a fair and just resolution. 

Thank you for your attention to this matter. I look forward to your prompt assistance in addressing this issue and obtaining the cash bonus as promised by Wells Fargo. Should you require any further information or documentation, please do not hesitate to contact me. 

Yours sincerely, XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I found several billing discrepancies, including incorrect late payments that do not reflect my usual payment pattern.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis refuses to send me copies of my full consumer disclosure. They are repeatedly sending inaccurate information to the credit bureaus but upon my request for the file, LexisNexis has three times refused to send me a copy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone gave me some court papers that I never seen until after the date I was not served and this debt does not belong to me and I fear they will try to have a judgment against me.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to report inaccurate and fraudulent information appearing on my credit report as a result of being a victim of identity theft and human trafficking. Despite my attempts to rectify these inaccuracies, the reporting agency has failed to address and remove the fraudulent accounts and unauthorized inquiries. 

On XX/XX/XXXX, I submitted a formal dispute letter to TransUnion, outlining the fraudulent accounts that were opened in my name without my consent. These include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In addition to these accounts, there were several unauthorized credit inquiries made without my consent, which I requested to be removed. These inquiries include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite providing evidence and documentation to support my claims, TransUnion has not taken the appropriate action to block or remove these accounts from my credit report as required under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ). This law mandates that adverse information resulting from identity theft and human trafficking must be blocked once it has been documented. 

I am seeking immediate assistance from the CFPB to ensure that my rights under the FCRA and other consumer protection laws are upheld. I request that these fraudulent accounts and unauthorized inquiries be permanently removed from my credit report, and I be provided with a corrected credit report reflecting these changes. Furthermore, I would like TransUnion to provide a written response detailing the steps they have taken to investigate and resolve this matter. 

Thank you for your attention to this complaint. I look forward to your assistance in resolving this issue.
Product: Credit reporting

The name XXXX XXXX XXXX XXXX us not my name
Product: Credit card or prepaid card

Account will not allow me to establish a checking account as advertised. I established this account and Netspend wrongly cancelled it. As a result of a previous complaint, Netspend, who was in the wrong reestablished the account, however, the savings feature of the account was frozen out until XX/XX/23. On XX/XX/23, I attempted to reestablish the savings account feature of this card. I was unsuccessful, due to an " unknown error '' and called the customer service line as instructed. 

Multiple calls to overseas customer service yielded no resolution. With four calls, I have received four different answers, of which none of them are true. As of today, I am still unable to use the savings account feature of this card.
Product: Credit card or prepaid card

My US Bank Reliacard was placed on hold on XX/XX/XXXX. I was unable to view there was a hold however. Through the website and app there was nothing about there being a block on my account and everything looked fine, but any purchase of any amount was rejected. I called customer service to figure out what was going on and was informed there is a hold, but not why. I faxed over and filled out all my information and documentation online. I have called multiple times to check but I have received no help from any customer service staff. I am unable to pay my bills, or get any groceries and I have been out of food.
Product: Credit reporting or other personal consumer reports

In the XXXX to third quarter of XXXX I contacted the CFPB because XXXXXXXX XXXX Has inaccuracies on my credit report which are violating my rights of the FCRA the It says the account was closed on XX/XX/XXXX, however, in XXXX I contacted CFPB and asked XXXX bank to show me the original contract validating that this is my debt and I never received that contract nor did I ever receive any proof of how this debt is mine which is madatory to be shown after a investigation has taken place and being that its been more than 30 days. They clearly violating 15 USC under the FCRA laws also knowingly reporting inaccuracies that have been proven to befaulty is extremely illegal and damaging to my credit i need this account removed immediately
Product: Debt collection

Under the provisions of the Fair Credit Reporting Act ( FCRA ), I am entitled to certain rights with regard to this account, and I am seeking your assistance in ensuring that these rights are upheld. 

Account Details : Vance & Huffman LLC Name : XXXX XXXX Account Number : XXXX Collection Agency : Vance & Huffman LLC Date of Initial Collection : XX/XX/2023 I believe that the FCRA allows me to request the following information regarding the aforementioned collection account : Verification of the Debt : Please provide me with detailed information verifying the existence and validity of this debt. 
Copy of Original Contract : I am requesting a copy of the original contract or agreement that supposedly gave rise to this debt. 

Payment History : Please provide a comprehensive payment history for this account, including details of any payments made, charges, and interest.

Name and Address of the Original Creditor : Kindly furnish me with the name and mailing address of the original creditor associated with this debt. 

Proof of Ownership of the Debt : I am entitled to see proof that the collection agency indeed owns the debt and has the legal right to collect it, which should include a signed application with the consumer 's wet ink signature. 


I understand that, under the FCRA, I have the right to request this information, and the collection agency is obligated to provide it. Moreover, I am aware that the collection agency must cease collection activities until this validation process is complete. 

Please consider this letter as my formal request for the information mentioned above. I kindly request that you forward this request to the collection agency involved and provide me with a copy of the validation response within the statutory time frame specified by the FCRA, which is usually 30 days.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXXXXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX Account Number XXXX Record Type XXXX XXXX XXXX discharged Reference Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in 2013 I had an account with XXXX and I wasn't aware the amount the I owed wasn't paid. I ended up going in collections, and the day I was in collections I had paid the debt off right away, the amount was around {$600.00}. It is currently still showing on my credit report, in which I understand it was my fault by not realizing it wasn't paid in the first place. This i really affecting my credit score, as I am currently in the process of a mortgage. In all fairness I did not receive any letters stating that I owed any money, otherwise I would have paid since I did not have an issue paying the full amount when I realized I was in collections.
Product: Credit card

I purchased a product online on XX/XX/XXXX for {$220.00} and was told I would receive it no later than 4 weeks. After nearing 4 weeks, I decided to contact the merchant and discovered the number provided was no longer in service. I tried to find other contacts of the business and wasnt successful. I then reached out to my credit card company to dispute the charge on XX/XX/XXXX. They gave me a temporary credit and took it back on XX/XX/XXXX. The reason they gave was that I willingly made the purchase. I tried to dispute again and they said the same thing. I shouldnt have to suffer and lose money because someone is running a fraudulent business online. I thought my credit card company would have my back.
Product: Debt collection

I contacted this office asking them to verify a debt - In return i received a letter stating that they have obtained a judgement against me in the amount of XXXX WHICH WAS MORE THAN THE ORIGINAL AMOUNT THEY CLAIMED TO COLLECT- I looked up the case number that they included in the letter ( Case # XXXX ) nothing in the state of Washington came up and i called all the courts to verify this information and nothing came up - they threatened me by stating they have obtained a judgement against me which the FDCPA, debt collectors are not allowed to threaten to seize, garnish, attach, or sell your property or your wages unless they are permitted by law to do it and intend to do This letter was dated XX/XX/2018 XXXX  was the one that sign this letter The letter stated that they have post judgement " Remedies '' available to them as follows : Garnishment of Wages Attached of Personal Property e.g Auto loans Liens against Property I have a copy of this letter signed by XXXX and below it stated CC : Legal file Attorney
Product: Debt collection

Dear officer, I am bringing up this matter to you so you can help collect my money from XXXX/PayPal. Com. 
On XX/XX/2019, I tried to purchase refurbished Trimmer for {$59.00} but XXXX said the sale was 'Incomplete '!!! But they deducted {$59.00} three times and since then I have emailed them to refund my total {$170.00}, but they would not, and ignored. 
Please help me recover money and spmething, some law should be in place to punish big business like XXXX/PayPal. They rip off unsuspecting innocent Consumer and make millions of dollars like that. 
Kindly, help me in this matter. 

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

We had a Mortgage starting in XXXX with US Bank Home Mortgage. In XXXX we filed bankruptcy at that time we re-affirmed the Mortgage. In XXXX of XXXX we refinanced our Mortgage for a lower interest rate with our credit union. At that time we found out that US Bank had not reported our Mortgage to the credit bureau 's since the bankruptcy ( for 10 years ) I had a 3-way call with a XXXX  Agent and a agent with US Bank named XXXX in XX/XX/XXXX. During that call US Bank told XXXX   that we had payed every payment on time every month for the last 10 yrs and there we no late payments during that time. US Bank said I had to have asked them to start reporting to the Credit Bureau when the loan was reaffirmed and asked if I wanted that now. I said yes. Its still not reported. I have spent hours on the phone with person after person at US Bank and they always send me to another person and I get a different reason why they can not help me. They keep telling me to dispute with with the Credit Bureau. XXXX  said I can not file a complaint on something that is NOT on my report and that I need to get it resolved with US Bank. I want my husband and I 's Mortgage to show on our credit report even though it is now closed since we refinanced. I want it on our Credit Report like it is for all our other loans/credit credit cards that are closed saying we paid as agreed since XXXX. I am attaching the part of my Bankruptcy where I re-affirmed the Mortgage in my bankruptcy in XXXX. Also attaching the document from XXXX  saying they confirmed with USBank that we paid our mortgage on time for the last 99 months with no late payments. Also attaching the dispute outcome from XXXX, I could only file the dispute under the bankruptcy since my mortgage is not on my credit report. After getting the outcome I called XXXX  and that is when they told me I can NOT dispute something ( the mortgage ) that is not on my credit report.
Product: Checking or savings account

Last week I tried to deposit a check from winning a sweepstakes from XXXX. Rather than simply hold the check, Pentagon federal chose to lock my account for almost 48 hours. After speaking with multiple people, I kept receiving different requirements to unlock the account. After two days, and several complaints, I explained that I have XXXX children and needed to access my funds. The account was unlocked and the check continue to be held. I continue to send multiple documents to prove the validity of the check that I want from XXXX. Even after submitting this documentation my account still had a lock that Would not allow me to remove the funds. My intention was to close the account after all of these inconveniences. Because I requested to cancel my account once the check cleared, they continued to keep My Access from me. Instead of unlocking the account after providing the documentation, my account funds were not permitted to be removed until I called yet again to complain. Now I find that I am receiving Account fees for transactions that should have the funds available. At this point, I have had enough with this bank and feel as though I am being targeted. I maybe called 20 times to resolve the issues. Now, I have to find a new bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2022 I contacted XXXX 's fraud department to report the address on XXXX XXXX, XXXX TXas incorrect. The woman from XXXX, refused to have it disputed because it is an address that a creditor, XXXX Bank for a XXXX Credit Card ) submitted. She explained that her job is to report what the creditor tells her and that XXXX does not work for the consumer. Whatever information the creditor gives XXXX is what XXXX will report. 


I have never lived in XXXX Texas but XXXX Refuses to remove it I have submitted a dispute for this XXXX  Account Every month for the past 5 months and XXXX will not remove it. I have a letter from XXXX Explaining that this account will not affect me or show up on my report but XXXX continues to report it. 


How can I hold XXXX accountable when their employees are confirming they will only submit what the creditor says?
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I filed two CFPB complaints. One against XXXX ( # XXXX ) for lying about provision of Internet service and for claiming that I owed money on an account I had closed. The second was against the collection agency, XXXX XXXX XXXX, that they referred their debt to ( # XXXX ). In their response to that complaint, XXXX XXXX XXXX acknowledged that this claim was disputed. 

I recently applied for an increase in credit and was denied because of a reported " serious delinquency '' on my credit report, based on a letter I received from my credit card company on XX/XX/XXXX. According to the TransUnion website, the collection agency reported their claim to credit agencies even though they have no proof that their debt was validharming my credit.
Product: Credit reporting or other personal consumer reports

multiple times I dispute fradulent accounts, but all 3 credit credit reporting agencys, keep saying information is correct, please help me to remove 12 fraudulent accounts from my credit report, XXXX and Equifax removed 6 fraudulent accounts, please also help me with XXXX XXXX and Equifax to remove remaining fraudulent accounts from my credit report, I'm attaching all fraudulent accounts witch one I print it and uploded. 


police report also uploded
Product: Debt collection

I am writing to dispute a tradeline on my credit report that I believe to be inaccurate and does not belong to me. The details of the tradeline are as follows : Creditor Name XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Amount Owed : {$4300.00} I request that you provide proof that this debt is mine. Specifically, I ask that you supply the original signed document ( s ) bearing my signature or any other appropriate evidence that legally associates me with this debt. If you are unable to provide such proof, I request that you immediately remove this tradeline from my credit report. 

As per the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), I am entitled to a fair and accurate credit report. Section 1681i ( a ) of the FCRA requires that if information on a credit report is disputed, the credit reporting agency must investigate the matter and correct or delete any information that is found to be inaccurate, incomplete, or unverifiable within 30 days. Since the account in question is not mine, I am requesting that you comply with the law and remove this erroneous information from my credit file. 

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ), I am entitled to request validation of a debt. I request that you provide the original signed document ( s ) or other evidence proving that I am legally responsible for this debt. If you are unable to provide such evidence, this debt must be considered invalid, and the tradeline should be removed from my credit report. 

In my previous dispute attempts with the credit bureaus, I used the following dispute codes to try to resolve this issue : Code 1 : " Not My Account '' ( Fraudulent or Identity Theft ) Code 2 : " Inaccurate Information '' ( Account was mistakenly reported under my name ) Code 3 : " No Signature '' ( Request for original signed documentation or contract ) Despite these attempts, the account remains inaccurately listed, which is negatively impacting my credit score. As I have not been provided with any valid documentation proving my responsibility for this debt, I request that the incorrect tradeline be immediately removed from my credit report in compliance with the aforementioned laws.

If the requested documentation can not be provided, I insist that this incorrect tradeline be removed from my credit report without further delay. 

Please respond promptly with your findings and any necessary actions taken to resolve this matter, as required under the FCRA and FDCPA. 

Thank you for your immediate attention to this issue.
Product: Credit card

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days pat due as of XX/XX/XXXX and XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.