23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XX/XX/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 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 my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the XXXX Credit Bureaus was XX/XX/2022 but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to correct immediately : XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX
Product: Credit card or prepaid card

Wells Fargo Credit card ( Cash Wise Card ) did n't pay rewards ( cash back ) on my account with the total amount of {$220.00}. 
Wells Fargo Cash Wise Visa Card stated that : '' When you use your new card to make {$1000.00} in purchase in the first 3 month, you earn a {$200.00} cash rewards bonus '', and " Unlimited 1.5 % on any purchase ''. 
On 1st statement from XX/XX/XXXX to XX/XX/XXXX : I purchased {$740.00} On 2nd statement from XX/XX/XXXX to XX/XX/XXXX : I purchased {$300.00} On 3rd statement from XX/XX/XXXX to XX/XX/XXXX : I purchased {$410.00} On the first 3 months I have used my new Wells Fargo Cash Wise Visa card to purchased more than {$1000.00} as shown above. 
I earned {$200.00} bonus rewards cash back and {$22.00} of unlimited 1.5 % cash back on any purchased. 
I called Wells Fargo Credit Card company to ask them to pay me reward cash back with the total amount of {$220.00}, but Wells Fargo Credit Card company refused to pay my reward cash back with the mount of {$220.00}.
Product: Debt collection

Since XX/XX/XXXXXXXX I have received a 'first ' and 'third ' notice from RSI Enterprises , Inc. in unmarked envelopes regarding an 'outstanding ' debt to XXXX Tax and Revenue for back taxes for a year ( ending XX/XX/XXXX ) in which I did n't live in XXXX. 

To note I have received no correspondence from the city/district regarding this situation. 
The envelopes are unmarked. 
The letters are unprofessional and appear to be a scam ( i.e. grammatical errors. 
I responded to the first letter with a call, which went unanswered, and an email on XX/XX/XXXX, which also went unanswered. 
After I received the second ( which they claim is 'third ' letter, on XX/XX/XXXX, I spoke with an RSI XXXX representative, who connected me to the XXXX Office of Tax and Revenue on XX/XX/XXXX. After speaking to the main operating line, I was transferred to the Collections Office. I have been unable to reach anyone in the Collections office, and my calls have gone unanswered and messages unreturned. I have been logging every attempt to reach the Office, and I can provide specifics : XXXX to the Main telephone line at XXXX I spoke to XXXX XXXX, who advised me to speak to your office, informed me that " errors '' regarding the appropriate taxation of XXXX residents who moved to the city at the end of the tax-year is a systemic issue in the department. She recommended that I speak with XXXX XXXX and provided me her number. 
XX/XX/XXXX to XXXX XXXX at XXXX, and again at XXXX, at which point I left a message with my name, number, and requested a call back. 
Having received no return call, I again called XXXX XXXX at XXXX on Friday, XX/XX/XXXX, again leaving another message requesting a call back and providing all my information. 
Having received no call on Monday, I called on Tuesday, XX/XX/XXXX, at XXXX. I was again sent to voicemail, where I left the same message with all requisite information and a request for a return call. 
I then escalated to calling XXXX XXXX 's number at XXXX on XX/XX/XXXX. The call was not answered. I left a message again providing my information, the history of my attempts to reach the office, and a request a return call. 
On XX/XX/XXXX, having allowed the 24-hour window for a return call, I again called XXXX XXXX 's number. The call was not picked up, so I again left a message, and indicated would be attempting to contact this office by email, should I not receive a call back by noon today. 

I want to report this pattern of delay, error, and non-communication practiced by both the XXXX government and its collection agency, RSI Enterprises , Inc . Frankly, the negligence places my credit score, and therefore my financial health in whole, at risk. I am hoping that you can help me.
Product: Bank account or service

I was called out of state for a family emergency and left on XXXX/XXXX/15. I left my landlord a 30 day notice in order to move to a new rental house and half of XXXX 2015 rent ( with instructions to deposit on XXXX/XXXX/15, IF I had not been able to return and submit in person. ) I left on my trip and unfortunately my landlord deposited the check left for him on XXXX. This resulted in over {$500.00} overdraft charges for less than {$200.00} spent on incidentals on my trip. My autodeposit of {$470.00} ( received XXXX ) was all applied toward fees. My friend deposited {$160.00} into my savings account ( upon my discovering the negative balance by surprise on XXXX ) for me to live on until months ' end. That too (! ) was immediately applied to late/overage charges even though I did not KNOWINGLY have Overdraft Protection from Savings established with my checking account. Had I known that was a likelihood, I would have requested my friend send $ via XXXX XXXX or a XXXX XXXX XXXX Option. I contacted my local branch and even with an end-of-the-monthgood faith deposit pending of {$1700.00} set up for auto-deposit, none of the ( excessive! ) fees were waived. I was left XXXX until months ' end and now my work paychecks will be " docked '' ANOTHER - {$400.00} to cover MORE overdraft charges that have mounted. The move to a new residence is having to be delayed and overdraft charges are now amounting to - {$800.00} plus. The US Bank in XXXX, KY was unwilling to forgive any of the " account bleeding '' even though the situation was explained and the date on the check deposited was starred and circled to try to prevent anything like this from happening. The stress and angst from the whole situation has been awful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the credit Bureau disputing late payments they are furnishing that is not accurate. I have disputed this account 3 times and all 3 times they are saying it was verified as accurate which they did not send me documentation of how they verified this account was late since the company confirmed i have never paid this account late. Which is direct violation of my consumer rights under the FCRA 15 U.S. Code 1681 ( 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 ; Which was never provided to me. Also The dates they are stating i was late falls under SEC. 4021. CREDIT PROTECTION DURING COVID19.

Section 623 ( a ) ( 1 ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681s2 ( a ) ( 1 ) ) is amended by adding at the end the following : ( F ) REPORTING INFORMATION DURING COVID19 PANDEMIC. 
( i ) DEFINITIONS.In this subsection : ( I ) ACCOMMODATION.The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus XXXXisease 2019 ( COVID19 ) pandemic during the covered period.

( II ) COVERED PERIOD.The term covered period means the period beginning on January 31, 2020 and ending on the later of ( aa ) 120 days after the date of enactment of this subparagraph ; or ( bb ) 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID19 ) outbreak declared by the President on March 13, 2020 under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates.

( ii ) REPORTING.Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current; or ( II ) if the credit obligation or account was delinquent before the accommodation ( aa ) maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current.

( iii ) EXCEPTION.Clause ( ii ) shall not apply with respect to a credit obligation or account of a consumer that has been charged-off.. They are negligent and this is causing harm and i will be seeking damages since there negligence is costing me and reputation by them choosing to report inaccurate information.
Product: Credit reporting or other personal consumer reports

This is my second attempt to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$560.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I attempted to fix issues with the credit bureau but no success so am I now filing a complaint against the credit bureas due to the false and deceptive reporting of 5 accounts and mistaken identity of wrong personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent accounts reporting on my credit report. I have contacted them letting them know I never have opened accounts with them but they are still reporting on my credit report. 

- XXXX XXXX XXXX ( XXXX ) - Opened XX/XX/2018 XX/XX/2018
Product: Mortgage

XXXX XXXX, ( my mortgage holder at the time ), included information in a billing statement about refinancing with New Leaf Lending ( aka Skyline Financial ), an affiliated company. I contacted New Leaf and was assured by XXXX , the mortgage broker that he was familiar with the subordination clause in the affordable housing community where I purchased my home and XXXX had purchased the loans from the XXXX XXXX XXXX . A good faith estimate with a 4.625 % interest rate was provided which I signed and returned and I instructed the rate to be locked in and XXXX told me he did and that it would remain locked until the loan was funded. Any paperwork that was requested was provided quickly by me during the entire four month process. At the very end, when the loan was to be funded, XXXX sent me a new 'good faith estimate ' with a 5.125 % interest rate with the instruction that I should sign it. I was told that I had already signed a 'good faith estimate ' reflecting that rate. That was untrue. This was completely unacceptable to me and after discussion with XXXX and his supervisor, XXXX XXXX, about their 'bait and switch ' tactics, I cancelled all business dealings. I have all of the documentation associated with this refinance including emails and documents submitted to me and by me if you would like to see any of it. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had it up to here with the utter incompetence and negligence of credit reporting agencies like yourself. It is unfathomable that I have to go through the trouble of filing a CFPB Complaint just to dispute the rampant inaccuracies on my credit report. As mandated by the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure that the information on credit reports is not only accurate but also up-to-date. Yet, here I am, having to request that you investigate these erroneous accounts and make the necessary updates to rectify the damage you have done to my credit score. The following accounts are not just erroneous, but they are outright erroneous and have no business being on my credit report : XXXX XXXX Balance Owed : {$7800.00} Date Opened : XX/XX/202XXXX XXXX XXXX Balance Owed : {$0.00}. I have included a copy of the dispute letters I previously sent highlighting these erroneous accounts for your reference. I expect a prompt response and immediate action to remove these accounts from my credit report within the next 30 days, as stipulated by the FCRA. Your blatant disregard for the accuracy and integrity of my credit report is unacceptable, and I will not hesitate to take legal action if necessary. Get your act together and do your job properly.
Product: Credit card or prepaid card

I could not log in my Bluebird American Express card to check my deposit from my employment. I called Bluebird customer service, and was told my account has been suspended permanently. I asked why, and I was told for unemployment fraud. The customer service representative told me I had to call the unemployment office. I called the unemployment office and spoke to XXXX XXXX at the XXXX KY office location about the issue. XXXX researched my account and found no evidence of any fraud. I call XXXX Bluebird customer service back and told them the finding. The customer service representative stated I had to call corporate office, but I couldnt get the number. I had money on my card. I just want my money returned to me. I do not want anything to do with Bluebird services. I had been a customer with them for 7 years and never had any problems.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a late payment on my XXXX XXXX credit card with XXXX and Transunion and they keep telling me that the late payment has been verified, the problem is that neither XXXX or Transunion ever provided me with the proof that I need and that I requested from them showing me that the late payment on the account is accurate. I asked both of the credit bureaus for the bank statement where it shows that I was ever late on this account and I have never received any proof from any of them. They are lying by verifying the information that I disputed, when in fact they never did an investigation on the late payment because the investigation only took 5 days for them to answer me back. I want the bank statement from the creditor where it shows that I was late on the account and that I was late on the say that they are saying that they verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my free annual credit reports from Experian, XXXX and XXXX in XXXX as usual and have not received them
Product: Money transfer, virtual currency, or money service

Iam writing to formally express my concerns 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 lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has 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 consumer safety. 
Date XX/XX/year> {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX Balance : -, XXXX XXXXXXXX Balance : -, XXXX XXXX XXXX XXXX Balance : {$540.00}, XXXX XXXX Balance XXXX {$550.00}, XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance : {$140.00}, XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$340.00}, XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$470.00}, XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$240.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$310.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$430.00}, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$860.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX / XXXX ) XXXX Balance : {$710.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$910.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$600.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$510.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1000.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I am a victim of identify theft. I reported fraudulent charges on my card. They are reporting me as over my credit limit and late payments to credit agency 's. I did not charge over my limit and I have never paid late. These actions by capital one is having a negative impact on my credit score.
Product: Debt collection

Credence sent me a letter in regard to an account I had with XXXX XXXX XXXX. The account number was XXXX. When this account was closed and a new account was opened by XXXX XXXX XXXX at the recommendation of XXXX XXXX XXXX, I had a credit owed to me. The communication by phone call and the changes took place at the XXXX XXXX XXXX store by a representative and the store manager and the date was XX/XX/XXXX. 

From that time forward I was not able to access my old account online and I didn't receive anymore paper bills in regard to the account mentioned above. The only account I could log on and see online was my new account # XXXX. 

I placed several long phone calls to XXXX XXXX XXXX on XX/XX/XXXX and XXXX, XXXX. I still had not received the credit due to me. The first representative I spoke with disconnected me after being on hold for 2 hours. The second representative who I spoke with said I would be receiving my credit. She also said she sent me an email in regard to the matter which I never received. I spent many hours on hold with XXXX XXXX XXXX and then would be disconnected over the period of XXXX - XXXX. I never received a refund and in XX/XX/XXXX XXXX XXXX XXXX disconnected my WIFI stating I owed them money. I paid double several times on my new account because I thought my bank had made a mistake and didn't send my auto pay to XXXX XXXX XXXX. As it turned out I then had a large credit on my new account but I kept getting texts threatening to turn off my system. 

The first week of XX/XX/XXXX I received a " Final Notice '' threatening to send me to collections if I didn't pay an outstanding balance on my old account. The letter also stated not paying would impact my credit score in a negative way. My credit score is in the 700s and I always pay all my bills in full in a timely matter. I spent at least 12 hours on the phone with XXXX XXXX XXXX. I was repeatedly disconnected after questioning what was going on and other representatives said to ignore it while others just gave me a number to call. Finally one woman said she would write an email to resolutions and I would get a call from them within 48 hours. The call was two weeks later and all " XXXX XXXX said was that he didn't have any notes about closing the old account and then I was disconnected. 

On or around XX/XX/XXXX I received a collections letter from Credence in regard to a debt owed. Yesterday, XX/XX/XXXX I spoke again with XXXX XXXX XXXX asking for proof of service with this account and after 2 hours of being shuffled around I was disconnected. I then called Credence and spoke to two separate representatives over a period of 60-90 minutes and explained the situation and both of them said I needed to pay the debt and then talk with XXXX XXXX XXXX about a refund and then my credit score would not be compromised. These are not the exact words but a summary of the long phone call.
Product: Credit card

I was notified today ( XX/XX/24 ) by XXXX ( XXXX XXXX XXXX XXXX XXXX my credit report provided by XXXX on XXXX ( XX/XX/24 ) and decided to lower my credit. I also know that if I contact XXXX, they will tell me they have no influence on decisions made by credit credit card companies. It is a scam and a catch 22. I have never been late. I have never missed a payment. I stayed under 50 %. When I contacted XXXX today ( XX/XX/24 ) what I was told is that they review all credit cards, not just chase and they make a soft pull. I did not authorize this. They claim it is in the terms and conditions. I did not authorize a random pull of my credit, especially if I am paying as agreed. Im paying all my cards as agreed as they dont get to tell me how much I should use. Clearly if Im paying more that the minimum as agreed, I know what Im doing. Their arbitrary reduction of my credit line from {$7000.00} to {$3900.00}, causes my credit utilization increase significantly as I have a {$3500.00} balance on the card. So basically, the card in now maxed out from their actions and not mine. They should not be allowed to negatively impact and decrease my credit score. This is a huge negaive impact to me and has caused me hardship because my credit score will drop and I am trying to buy a home. The rep also stated, I have a 60 day reconsideration window that they will recheck my credit ( BUT I will have to authorize a hard pull which also reduces my score and stays on my report for years ). What recourse do I have? I want my account limit restored as I have paid as agreed but due to this reduction, I now appear to have maxed out my card. Chase has caused me a hardship. I believe it has to do with my demographic and race. Which they have access to from my application. I do not believe Chase is reducing the credit limits of XXXX XXXX XXXX XXXX XXXX XXXX card holders with similar credit profiles.