23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a reply for this complaint # COMPLAINT ID XXXX SUBMITTED ON XXXXHello, I received your reply back from Equifax and am appalled that this even passed your system as a 'response '. If they don't have a file for me, I wouldn't have a credit report with them This is my name : XXXX XXXX This is the last 4 digits of my SSN : XXXX This is my DOB : XX/XX/XXXX This is my mailing address : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MS XXXX I specifically wrote this complaint against them because they keep IGNORING my credit disputes! Now they are saying that I'm NOT me and I'm not requesting this as ME ; what kind of foolishness is this???!!! 

This is becoming frustrating and I'm coming to YOU, the federal government for help! Here is a repeat of my 1st complaint, I'd like for it to be actually investigated this time versus Equifax sending me a bogus response to buy more time. If this keeps happening, I'll have no choice but to speak with an attorney ; a consumer should NOT have to go through this during these times!!!! We are dealing with enough as it is! 

Original Complaint : I have been disputing this account since XX/XX/XXXX and each time this credit bureau has said this account is 'verified '. I then disputed directly with the company and they were not able to provide me with any documentation for the account listed on my credit reports. If they can not verify this account with me, there is no way they could have verified this with the credit bureau. I'm convinced no true investigation occurred and demand a deletion ASAP. Please DO NOT mark this complaint as a dispute. IT'S NOT. It is a complaint with a demand for deletion based on an account not being able to be verified as 100 % accurate, complete, and timely.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns Regarding Zelles handling of disputes, Particularly in the light of the recent CFPB lawsuit Highlighting significant issues with the platform. Disputes using Zelle numerous times And reporting discrepancies, My financial institution An Zelle failed to investigate My claims adequately. They informed me that recovering lost funds Was impossible And that tracking these transactions was unfeasible. The CFBPSs findings indicate that Zelle Has not only neglected to protect Consumers but has also Allow, repeat offenders to exploit the system, Leaving users vulnerable to scams. This lack of accountability And transparency Is unacceptable And raises serious concerns About Consumer safety
Product: Credit card or prepaid card

On Wednesday, XX/XX/2023, I discovered an issue with my newly opened Wells Fargo credit card. I had supplied all correct information, including my Social Security Number ( SSN ), during the application process, but I couldn't locate the card or its balance within my existing Wells Fargo account, which also includes a connected checking account. When I called Wells Fargo 's customer service for clarification, they informed me that the card had been incorrectly registered under a different SSN.

I was transferred to a specialist and had to wait on hold for several hours. The specialist confirmed that Wells Fargo had made an error and the card was indeed registered under a different SSN. They assured me that they would send a form within 10 business days, which I would need to fill out and return to correct the SSN associated with the card. 

As of today, Thursday, XX/XX/2023, I have not received the form that was promised. I am greatly concerned due to the potential implications for my credit history and the risk of identity theft or fraud caused by Wells Fargo 's error. The lack of prompt action to rectify this mistake further compounds my concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect items were found in my reports. The XXXX, Experian, and XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reported on my Credit Reports : XXXX XXXX; XXXX XXXX XXXX; XXXX XXXX; XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$62.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$420.00} ; XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$340.00} ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX pulled my credit report on X/XX/2015 without my authorization.
Product: Credit card

It provided an amount of {$1200.00} was charged in my name and I have told them over and over again that it doesn't belong to me and they keep disputing me, I need them to prove it by showing me any hand written signatures
Product: Debt collection

Nothing. I just want this debt removed from my credit being that the car was repossessed and 8 months after you reported to my credit that the car was affected by natural disaster.
Product: Checking or savings account

UMB Bank charge excessive overdraft fees. I got charged {$100.00} in overdrafts on XX/XX/XXXX and I got paid that same day. I called to see if this could be reversed and they told me no. I spoke to the manager and he said they reversed overdraft fees in the past, so they could not reverse these fees. I looked at my account on XX/XX/XXXX and there was no indication that they would be charging these fees. This took away from money i needed to pay bills with. They have also charged three overdraft fees or more in one day before, I've been with this bank for many years and it is ridiculous. I am thinking about closing them and looking elsewhere for a bank that does not steal from their customers.
Product: Credit card

Dear XXXX, I used Amex Business Platinum card to book 3 business-class trips using membership rewards points in XX/XX/XXXX, because Amex advertised I can get 35 % points back if I do so. The 3 transactions are : {$4400.00} ( XXXX points ) on XX/XX/XXXX, {$5600.00} ( XXXX points ) on XX/XX/XXXX, and {$9500.00} ( XXXX points ) on XX/XX/XXXX. But I only got the 35 % points back on the first two, but not the third one. That means they failed to credit me back XXXX points, which is worth about {$5000.00}. 

Amex then closed my account on XX/XX/XXXX, and when I called to ask why I did not get the points back for the XX/XX/XXXX transaction, the agent told me she could do nothing now even though I should have get that. 

This is failing to abide by their own advertisement.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has foreclosed on my home after it was put under the civil service protection act in XX/XX/XXXX. The initial paperwork said that no Legal proceedings would take place until XX/XX/XXXX. After recent investigation it has also been found that this same company falsified documents and committed other illegal foreclosure proceedings. They are currently reporting this fraudulent erroneous information to the credit bureaus. This company has did my family and I a great disservice. As a XXXX XXXX XXXX veteran I am disgusted with their illegal practices. Please investigate this company. This is not the first time they have been under investigation for practices such as this. I truly am in awe of the practices the government allow to take place by these big banks who just misuse mistreat and cheat our veterans. The ones who stood on the front line for this very country.
Product: Debt collection

XXXXXXXX XXXX  ( original ) HARRIS & HARRIS , LTD ( XXXX XXXX ) Date Assigned XX/XX/year> Amount owed- {$100.00} XX/XX/year> I paid {$130.00} in store after returning the service equipment that i was in debt over. Id like the collection removed from my record immediately!
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Debt collection

An account was opened in my name. I've never received any written notification from this provider. I just keep seeing it on my credit report and I keep disputing it because I don't know who they are.
Product: Credit reporting, credit repair services, or other personal consumer reports

After several attempts to have this issue resolved, I received statements on my credit report that the dispute was not specific and updated. How was the disputes updated if they were not specific? I have not received debt validation on the following accounts : -XXXX XXXX XXXXk XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX credit bureau has not satisfied it obligation to provide the information requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed certified letters asking for the method of verification used to report the information on my reports tha I believe is being reported correctly. I stated that I was exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute and if they could not provide it they needed to remove the items. This was now over a month ago.

I want them to be investigated and I want to pursue action against them at this point. I have tried many times to get this wrong information corrected with no success and it affects my life and is costing me money!
Product: Credit reporting or other personal consumer reports

This is my second 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 ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : XXXX  XXXX Account # XXXX has violated my rights XXXX Account # XXXX has violated my rights XXXX Account # XXXX has violated my rights XXXX XXXX XXXX # XXXX has violated my rights XXXX XXXX Account XXXX XXXX has violated my rights XXXX XXXX XXXX Account # XXXX has violated my rights XXXX  Account # XXXX, and Account # XXXX has violated my rights XXXX  Account # XXXX has violated my rights XXXX  Account # XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Consumer name : ( XXXX XXXX ) Consumer Social Security Number ( XXXX ), Consumer Date of Birth ( XX/XX/year> ). Contents of the complaint : This CFPB complaint has been filed to request that EQUIFAX, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ). This fraudulent, incorrect, and false information consists of a CAR LOANS AND HARD INQUIRIES. 

CAR LOANS XXXX XXXX XXXX XXXX. ACCT # XXXX {$37000.00} XXXX XXXX ACCT # XXXX XXXX. {$37000.00} HARD INQUIRIES : XXXX, XXXXXXXX XXXX XXXX XXXXXXXX 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 

These accounts have resulted in multiple bogus INQUIRIES and CAR LOANS on my consumer FICO credit report. I have attached a list of the accounts in question, as well as a copy of your consumer FICO credit report, which includes the aforementioned bogus entries. I do not identify the aforementioned accounts and INQUIRIES, that were reported. I did not open, make, or start the aforementioned accounts, INQUIRIES on my consumer credit report, which you keep. All of the accounts, INQUIRIES listed above are the result of identity theft and fraud. I've attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX XXXXXXXX ) from the US Federal Trade Commission to prove that all of the aforementioned consumer credit accounts and INQUIRIES are the consequence of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am using my rights under the FCRA to contest any information on my credit report that I believe is not accurate. The data included in my credit report must be documented and validated before it is included on my report. I can't recognize or accept the allegation of delinquency and derogatoriness without factual proof. I challenge the reportability of this allegation, which doesn't meet federal or state reporting requirements. OR any account that is alleged to be delinquent or derogatory, I request evidence that shows why the account is considered to be in that state. This should include proof of a permissible purpose for any inquiry into the account. I am giving you 15 days to investigate the matter and confirm that it is being reported correctly or remove it from the report. I would like for you to mail me physical proof of your actions and my updated credit report. These allegations appear to be inaccurate. Please provide accurate and verified information for each claim. If any of these claims are not true, please delete them immediately. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX Summary of Public Records being challenged in list form XXXX XXXX Bankruptcy ( XXXX ) - ( XXXX ) Discharged Personal Information for TransUnion NAME : XXXX accurate information about me. My only name is XXXX XXXX XXXX. 
CURRENT ADDRESS : XXXX, XXXX The only reside at isXXXX XXXX XXXX XXXX XXXX, MN XXXX Please remove any address you have in your system that does not match XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased {$3500.00} worth of {$100.00} XXXX and {$100.00} XXXX gift cards. At the time of purchase XXXX, {$100.00} XXXX and {$100.00} XXXX gift cards were not activated at purchase but I was charged for them plus {$5.00} per card for activation. I asked the assistant XXXX XXXX for a refund and he said all gift card sales are final. He refused to issue a refund and said someone would call me tomorrow, Monday XX/XX/XXXX, no one called me. He refused to issue a refund. He suggested I call Home Depot Credit Services and request them to activate the cards. I spent an hour on the phone with XXXX from the gift card services on XX/XX/XXXX because XX/XX/XXXX was a Sunday and they were closed. XXXX the representative had me read each card to her, I did. XXXX gift cards. Then she said she could not activate them over the phone and to call XXXX and XXXX and ask them to do it since the store would not and she could not either. XXXX said someone would call me on Monday XX/XX/XXXX and no one called me so I then called and asked the XXXX on duty XXXX when the store XXXX XXXX would be there. XXXX is the store XXXX. She said she would call me back and did on XX/XX/XXXX. XXXX said to come in and speak to XXXX on Tuesday XX/XX/XXXX. XXXX tried called gift card department and was hung up on. I tried called as well and as hung up on. Each time I called Home Depot credit services I was hung up on. I dont know what happened but this is a grave injustice and greatly frustrating for someone to keep hanging up on me. I have XXXX, {$100.00} Visa and {$100.00} XXXX gift cards that are not activated, that I was charged for and I can not use them. I then called and got a hold of XXXX that filed the dispute for {$1300.00}. I received a letter from XXXX XXXX and was told the dispute had been filed. I sent a fax on XX/XX/XXXX and was told to contact the store manager for a credit on my account. The manager is the one that told me to file a dispute. I called on XX/XX/XXXX and verified with XXXX that the fax had been received with the activations of the cards that were declined, decline code XXXX. Now the store is hanging up on me again. I do not know what else to do. I disputed part of the amount because I have these XXXX, {$100.00} visa and master card gift cards that I can not use because XXXX XXXX did not activate them when I purchased them. It is not fair, I should not be charged and I want a credit on my account for the full amount asap. I shouldnt have to file a dispute or even be hung up on repeatedly or even have to file a complaint with the CFPB for a resolution. This is so disrespectful. Please help me resolve this. Thank you.
Product: Credit card or prepaid card

I made a purchase with B of A credit card and paid off balance from XXXX XXXX checking account. Cancelled purchase on XX/XX/XXXX2019 and contacted B of A and asked them to return funds to XXXX XXXX checking account. We were told the transfer would take 5-7 business days. The funds were not transferred back so my wife called B of A again and was told funds are in process and again would take 5-7 business days to be transferred. Waited again as of today XX/XX/XXXX2019 the funds were still not transferred. My wife spoke to Supervisor XXXX from the XXXX New Jersey office and again was told funds are pending and would be transferred in 5-7 business days. This was the second time my Wife spoke to Supervisor XXXX prior to speaking to other representatives the last couple of weeks. Please see their reference number XXXX.
Product: Checking or savings account

Last Wednesday I was contacted by XXXX XXXX. He called using XXXX, which is the Chase Bank fraud number. It was because of the phone number that I so stupidly followed his instructions. He had me withdraw {$10000.00} from my account and deposit it into a XXXX XXXX ' machine. I have no bit-coin experience and can no even figure out if my money is in 'my account ' or has be moved into something else.
Product: Checking or savings account

XXXX veteran total and permanent since XXXX. 
Was not required to work according to the law. 
Pushed through and went to work for citibank XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX insisted I go on XXXX. 
Less than a month on fmal I was hospitalized for 6 consecutive days. 
Was told my XXXX XXXX while I was in the hospital that my pay was being turned off. 
The 6 consecutive days according to their policies procedures and their 3rd party XXXX stated 8 days consecutive including weekends supposed to have resulted in automatic short term XXXX. 
I was harassed by bank employees and their 3rd party.

Pay was cut, unable to go to PT as I was unable to obtain the loan approved for to have a home close to the PT facility. 
Still no pay reimbursement Still can't get a loan for a home for treatment Still have not received all funds from my XXXX and cash is needed to buy a house Credit is now poor as a result 23 years of excellent credit gone due to citi termination XXXX 3 days prior to my XXXX birthday Started initial employment XXXX on my actual birthday XXXX Was asked to come back to the bank and it was more stressful than the first time. Deeply regret coming back and definitely regret not XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

Emails will show that I was still willing to work when I could and I was told they wanted to keep me active but turned off my pay when I was in the hospital not even on XXXX for a month. In XXXX they didn't want to send me a replacement laptop after informing them it eas broken and left in the Texas home that I was being harassed and forced to leave
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont recognize this inquiries on my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXXXXXX XXXX