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

On XX/XX/year> I received a promotional cash bonus for {$320.00} mailing from Wells Fargo Bank. This cash bonus will be automatically credited to my checking account should I make arrangement for a direct deposit of at least {$1000.00} into my checking account within 90 days from the account open date. On XX/XX/year> I came to Wells Fargo local branch situated on XXXX, XXXX, TX. and presented the mailing {$320.00} coupon to XXXX XXXX XXXX, the banker who opened my account and made direct deposit arrangement on my behalf. In my presence XXXX XXXX confirmed with Wells Fargo marketing department that I would be eligible for the cash bonus of {$320.00} after the 90-days qualification period has elapsed. However, this did not happen. I met with the banker on XX/XX/year>, on this issue. He escalated the issue to his management channel. On XX/XX/year>, I received Wells Fargo letter stating that I did not qualify for the cash bonus because banker did not open the checking account through a required link for online offer webpage. Obviously, this decision is erroneous because it was opened and confirmed by Wells Fargo 's banker. The matter continued to escalate through Wells Fargo Management offices. Several emails correspondences back and forth without a justified resolution. On XX/XX/year>, and XXXXXXXX XXXX XXXX respectively I wrote Wells Fargo warning them that I would file a complaint with CFPB against them for their deception towards the consumer and their failure to honor a written marketing promise should they not credited me with {$320.00} cash bonus I had earned. Thus, this complaint follows and filed now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never believed that I opened these three accounts and have requested documentation to validate debt from the following 3 creditors : XXXX XXXX XXXX XXXX XXXX XXXX 's XXXX XXXX The reason I requested validation of the debt is because I do not believe I authorized an account with the creditors. It has been nearly 6 months since my first attempt to obtain validation of the debt and not one of these creditors has returned any such information, however ; they continue to report the information on my credit reports. 

Since I am unfamiliar with the accounts and there is not any proof of my authorizing their opening or any proof of the details of the debt, I have concluded this account was opened and used by someone other than myself. I have filed an Identity Theft Report with the FTC and have included a copy of my driver 's license for proof of identity.
Product: Credit card or prepaid card

I set up automatic payment of {$40.00} per month for my Bank of America Visa card account in XX/XX/2022. I thought the bill was paid until In XX/XX/2022 when I received an email saying that my account was delinquent for 3 months due to non payment and my credit amount was reduced to {$700.00}. I checked my account and 3 payments had been cancelled that I had not cancelled and had been the delinquencies had been reported to all credit bureaus and my scores dropped. I read that this had happened to a number of XXXX XXXX  customers. Before this I had a 100 % payment rating.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of XXXX XXXX XXXX XXXX XXXX Under FCRA To Whom It May Concern, I am writing to formally dispute the collection account reported on my XXXX and TransUnion credit report by XXXX XXXX XXXX XXXX XXXX. According to the XXXX XXXX XXXX XXXX ( XXXX ), this company is not licensed to collect debts in the state of California. As such, this accounts reporting is inaccurate and should be permanently removed from my credit report.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), XXXX and TransUnion are required to follow reasonable procedures to ensure maximum possible accuracy in consumer reports. Reporting a collection account from an entity not authorized to operate in California constitutes a violation of this standard. Furthermore, under 15 USC 1681i ( a ) ( 1 ), I am entitled to dispute inaccurate information, and XXXX is obligated to investigate and correct or delete unverifiable data.

Actions Requested Proof of Licensing : Provide verifiable proof that XXXX XXXX XXXX XXXX XXXX is licensed to collect debts in California.

Remove the Inaccurate Entry : If such proof can not be provided, permanently delete this collection account from my credit report.

Provide Written Confirmation : Send me written confirmation of the accounts removal and an updated copy of my credit report reflecting the correction.

Enclosed are the following documents for your reference : A copy of my credit report highlighting the disputed XXXX XXXX & XXXX XXXX account. 
Documentation from the XXXX XXXX XXXX XXXX showing that XXXX XXXX XXXX XXXX XXXX is not licensed to collect in California.

I request that you complete your investigation and provide a response within the 30-day timeframe required under the FCRA. Should you fail to address this matter appropriately, I will escalate my concerns by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the California Attorney Generals office.

Thank you for your prompt attention to this matter.

Sincerely, XXXX XXXX XXXX
Product: Vehicle loan or lease

The list down below has violated my Federally Protect it consumer rights to privacy and Confidentiality under 15 USC 1681. and would like these items removed off of my credit report immediately. 1.Santander consumer USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I am an authorized user on my ex-husband 's XXXX credit cards, XXXX with XXXX and XXXX with Capital One. He has called each of these companies and asked that they remove me as an authorized user multiple times since XXXX, each time they assured him that I would be removed. I refinanced my truck in XXXX XXXX and they told me his accounts were still showing on my credit report. My credit score was XXXX at that time. I never applied for any credit after that, but I pulled my free annual credit report in XXXX and saw that his accounts were still on my credit report. He called the companies again, and was assured that I 'd been removed. In XXXX XXXX I applied for a mortgage loan and discovered that his accounts were still on my credit report, and by then my credit score had dropped from a XXXX to a XXXX. He called the companies again, and was assured that I 'd been removed. Now I just re-applied for a mortgage loan and discovered that his cards are still on my credit report, showing me as an authorized user, and because my ex-husband has gone over the credit limit on XXXX of the cards and has a past due payment on XXXX of them, and has over 30 days delinquency on the other card, all of those factors have negatively impacted my credit score significantly. My credit score has gone down from XXXX in XXXX XXXX to now a XXXX in XXXX XXXX. I do not have any negative items on any of my accounts that I have ever had in my life, or on any of my current accounts. I have never had a late payment, over credit limit, nothing negative whatsoever, my credit was impeccable. And now, because these companies have repeatedly ignored our requests to remove me from his cards as an authorized user, my credit score has dropped significantly and now I ca n't get a home loan. I want XXXX and Capital One to remove me as an authorized user immediately and I want them to restore my credit score back to where it should be.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

The date of signing our loan through XXXX  XXXX, we felt rushed and the loan amount and extra cost we were told we needed to pay were not what we had talked about. My wife and I did not sign the documents. We declined the loan. We went with a new company the following week. 
Two months later we received a denial letter from JMAC Lending, the company we cancelled with. The letter stated we had Inadequate Collateral and Insufficient Data-Property. We have plenty of Equity in our home {$450000.00} ( {$870000.00} plus ). We recently had a home sell for {$900000.00}, a smaller version. Our credit scores dropped 35 points for the each of us after this letter went out. We are very  upset how this company JMAC can spread false information when we decided not to use them.
Product: Debt collection

acct number XXXX i dont live in XXXX XXXX  TGHE ADDRESS FOR THIS DEBT IS XXXX XXXX XXXXXXXX XXXX I NEVER LIVE HERE AT ALL I HAVE BEEN IN XXXX  FOR OVER 10 PLUS YEARS SOMEONE HAS USE MY SSN
Product: Credit reporting or other personal consumer reports

Kindly remove these addresses and update it with my current address there should be one ADDRESS reporting on the file. It is alarming as there are different addresses reporting differently. Kindly remove this ASAP Inaccurate 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
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report stipulates that the credit card company noted my credit card was over the limit by {$38.00}. First off, no transaction should go through if I had a limit ; that's on them! Secondary, they reported this 3 weeks before the next billing statement oppose to contacting me or cancelling the actual transaction. I've had this card for nearly 12 years, never late and they contacted the credit reporting agency prior to the due date of the next statement. I am outraged! This is not the first credit card to do this and it won't be the last because any credit card company will continue to do the same after viewing my credit report. Furthermore, I know the credit cards have increased their interest charges and this notation on my credit report will only lead to the other companies raising my interest rates, denying me any future credit cards as well as lowering my credit score. I've had XXXX lower my XXXX XXXX dollar credit limit to {$2200.00} and they imposed XXXX separate interest rate fees for the same balance on the billing statement while raising my interest from XXXX to XXXX percent. I received no notice whatsoever and while demanding that they forward the statements to me, it took 8 months to do so when I told them I would contact you. They did this in a sneaky way considering everyone has gone paperless in todays world. I have never been late with any of my credit card companies, I have a great standing on my report with all credit card companies being paid on time, never late and they had the audacity to imposed limitations on me and try to destroy my credit. Because of this nonsense I am now a target for anyone who reviews my credit report. It will become discriminatory! They have scarred my name and any time I will need to apply for any card or loan I will be the subject of a review. 
This needs to be resolved immediately because I am not the only one going through this. I've had 2 other credit card companies lower my credit limit while raising my interest rates and imposing a " over the credit limit on my report '' without having any knowledge of such. I wasn't informed! This is an obstruction of Justice and they should be reprimanded and fined. They are all following the same pattern because they are getting away with it!
Product: Mortgage

Since XXXX of 2024, I have been attempting to resolve an issue with NewRez home loans. They placed mortgage lender insurance on my loan even though I provided proof that I had insurance and submitted to them. They admitted that they did not apply my insurance to my account. Since then my payment was increased without justification. They have stated that I have an escrow shortage which is not the case. I closed my account a year prior to their acquisition of my loan. I have called countless times ( no exaggeration ) and spoken to many supervisors who promised me they would get this handled. however, they never contact me back despite many threats to them that I would report this company for fraudulent activities.
Product: Credit reporting or other personal consumer reports

Hello on XX/XX/year> I submitted a request to transunion to provide information about some late payments that were listed on my accounts til this day they have yet to respond to my request to fix this. They have not even processed my dispute and currently is ignoring me.
Product: Credit card

Hello, After numerous personally addressed literature and emails from Citicards I applied online for the XXXX XXXX XXXX Citibank credit card in early XXXX 2015. On all the literature and emails I received, which used my name and my XXXX account number, there were dangling carrots, if you will, of the promotion of spend {$3000.00} in 3 months to receive XXXX XXXX XXXX miles. I decided to apply and was instantly approved. Since I have excellent credit I was not surprised but I was excited as I was planning some big ticket purchases which would help me achieve the promised miles amount to plan a special trip this winter. Once the card arrived I called to activate, but I was suspicious that there was no mention of the promotion. After speaking to several representatives at Citicards I was transferred to a sympathetic supervisor, XXXX, who nonetheless, still could not remedy a situation that kept getting worse. 

I am writing to the Consumer Finance Protection Bureau for help and guidance to correct what has become a devastating wrong by Citicards. Not only was I told there would be no XXXX miles, there would be no miles period to my account because I did n't make the 18 month cutoff date from my previous card. Never was this explained clearly to me, the consumer, on any of the literature and emails I received. Worse yet, why was I approved for the card, for the promised promotion, if the system knew I should n't have been eligible? To make matters much worse, I now have to wait an additional 18 months from this current card ( which I immediately cancelled and hope my credit report is not damaged by Citicards egregious misleading actions ) to apply for a new one. It devastates and frustrates me that I was so misled, lied to, and deceived by Citicards and now not only do I not have what I was promised, but the situation worsens because I have to wait an additional 18 months because of this card that was activated for a minute, literally, but was applied for under dubious advertising lies. 

I ideally would like Citicards to honor the promotions they sent to me, personally addressed with my account information. All I ever want is what I am promised, what I applied for. There is a serious problem with banks if one is not only invited to apply but then approved for something that they are then deprived of. It is a gross injustice of bait and switch. No more lies and deception and tricking the consumer! At the very least, I would like Citicards to allow me to apply for the mileage card from the date of the earlier card from nearly 18 months ago, not this new, non-existent, fraudulent card they sent to me until false pretenses. 

That is the bottom line - do not punish me because of the false pretenses you establish by contacting me and approving me for this card. 

I hope the CFPB can help in this matter and I hope every consumer, of which I know there are many, can unite and bring a stop to the credit card companies ' tendency to deceive and mislead consumers. There must be more reform and only if we all raise our voices can something be done. 

Thank you for your time and cooperation.
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

XXXX : XXXX XXXX XXXX Account Number : XXXX TransUnion : XXXX  Date of inquiry : XX/XX/year> XXXX XXXX  XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX  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 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 in those accounts 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 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

This is an actual and constructive notice to the agents and principals of Portfolio Recovery Associates and PRA group. 
The alleged debtor XXXX XXXX and all their personal information including but not limited to addresses, social security numbers, and tradenames is property of the attached trust. Please remove any reporting of information related to the alleged debtor, as this is a violation of rights pursuant to the Notice of Violation in the attached trust. If Portfolio Recovery Associates and all its representatives, principals and agents fail to cure this matter within 10 days of this notice, they agree to be legally, lawfully, and financially responsible for the following violation : Commandeering or confiscating the property of the secured party ( {>= $1,000,000} per violation ) Failure to cure this matter would also mean that Portfolio Recovery Associates and all its representatives, principals and agents agree to have a public XXXX placed on the following entities and licenses until the violation debt is satisfied : XXXX XXXX PORTFOLIO RECOVERY ASSOCIATES, L.L.C. 
PRA Group, Inc XXXX License numbers XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or amend the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAYS DATE:XXXX XXXX XXXX, XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, XXXX XXXX Equifax 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. 


I recently submitted a request for investigation of an Acct Number : XXXX  XXXX XXXX ( I NEVER OPEN THIS ACCOUNT ) Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX  system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX  system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

I PRINT MY CREDIT REPORT FROM XXXX, XXXX AND XXXX, AND IT SHOW A SECURED CREDIT CARD THAT I NEVER APLLIED FOR THIS CARD BELONGS TO BANK OF AMERICA THAT WAS OPENED ON XX/XX/2019, WITH BALANCE OF {$400.00}, THIS DOSENT BELONG TO ME, IM REQUESTING A IVESTIGATION ON THIS REPORT AND I WANT THIS TO BE REMOVED ASAP AND I NEED A COPY OF THIS REPORT SEND ON PAPER TO ME