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

To whom it may concern, My underage daughter had a teen checking account with Wells Fargo Bank. I, her mother, was named on the account as required by the bank. She was involved in a fraud situation ( several Wells Fargo customers had been victims of the same scammer ) that drained/overdrafted her Wells account by about {$3000.00}. We settled with the bank a Wells representative offered us the option to share the responsibility so we made good on the money owed ( about {$1500.00} ) and the representative NEVER suggested that this settlement would cause longer-term problems. But Wells and other institutions have flagged her through XXXX XXXX XXXX and not one will let either of us open accounts. This is disastrous for a new college kid with a good and responsible track record. We have submitted disputes through XXXX XXXX XXXX and Wells returns to say they will not overturn the flags. XXXX then recommended we we reach out to FTC and CFPB in this matter. All we want to do is get her back on her feet with a bank account ( I can submit another record in her name ) but this affects my record as well so XXXX seeking to get myself cleared as well. We are not dishonest people. We pay our bills and have proven ourselves to be successful and responsible individuals. Some person took advantage of my daughter and our financial health is compromised simply by way of the inability to open a basic bank account. Desperately hoping to find help.
Product: Student loan

I contacted my student loan servicer ( Nelnet ) to update my payment plan. I first called them on XX/XX/ to ask to move to a different payment plan. They told me it was not a problem, they updated it, and it would take 11 business days before it would reflect my new payment plan online. That date came and went and it was not updated, so I called again on XXXX They then told me that it was actually supposed to be a 22 day turnaround ( not 11, XXXX XXXX XXXX was supposed to be the original deadline ), they could not rush my request, and to call back after the XXXX if it was still not fixed. They would not provide me with a reference or ticket number, the rep would only provide me with her first name. The second deadline arrived and it was still not resolved. I waited a couple of business days to give it a buffer, but it was still not fixed so I called for a third time, on XX/XX/. This time the rep told me that during my second call, my initial request was " disregarded '' so it was not processed as it should have been. She allegedly had to get " approval '' from a supervisor to expedite my request ( why, I don't know- it was their mistake so I'm not sure why it needs approval? ). She was able to get approval but reportedly had to call another help desk to make the update to my account. This third call took 4 hours total but did finally resolve my issue. I have attached a screenshot below of the call time right before we disconnected. I want to note that, in the defense of the last rep, she actually resolved my issue and made sure to check on me periodically while I was on the extremely long hold.
Product: Credit card or prepaid card

I applied and was accepted for the Chase XXXX XXXX XXXX Credit Card on XX/XX/XXXX that was offered to me during my booking process with XXXX. During the process it stated I would earn a {$300.00} statement credit if I used the card to book within the XXXX Website or XXXXXXXX Application within the first ( 12 ) months of opening the card. 

I went ahead and used the card to book through the XXXX Website and booked a ( 1 ) night stay with XXXX XXXX on XXXX XXXX XXXX, XXXX which XXXX shows listed within their website for booking. I contacted Chase and XXXX XXXX XXXX ( 2 ) times before my booking to confirm that the {$300.00} statement credit would apply to this booking. I was told both times, yes, that the booking would apply to the {$300.00} statement credit promotion. 

I contacted Chase on XX/XX/XXXX XXXX XXXX and confirmed that the booking applied for the statement credit and was told yes. I contacted chase again on XX/XX/XXXX XXXX XXXX before the booking to re-verify that the booking applied for the statement credit and was again told yes. It was very important to me that I received confirmation as once the booking came the fee was non-refundable. 

Today is XX/XX/XXXX and it has almost been 3-months since the booking and I have yet to receive the statement credit. I've tried to resolve this multiple times with both parties and none are honoring the promotion. I've contacted chase multiple times and they continue to tell me that the marketing department states I didn't spend enough, or I needed to wait 4-8 weeks for a response, or that the hotel didn't meet qualifications even though I booked through the XXXX Website XXXX the website shows the credit to be applied to the booking during the process, and to apply for the credit. 

I contacted Chase on the following dates trying to resolve this : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX When you go to book through the XXXX Website, it shows you the total amount the room costs and how much it would be with the {$300.00} statement credit. This was offered to me while I was booking with XXXX XXXX through XXXX XXXX website which you will see in the attachments to this complaint. 

Chase is providing false advertising and promotions for this XXXX XXXX and during the process when you go to book through XXXX. I reached out to XXXX XXXX  XXXX and they informed me that they do not deal with any promotions with the Chase Credit Card XXXX XXXX XXXX XXXX - it is strictly Chase who honors these promotions. 

I reached out to Chase on their XXXX support - and was met with the same answer that the promotion didn't meet qualifications. If you view the attachments, this promotion is absolutely false advertising The total amount I spent for my Booking was {$360.00} - which the promotion was to cover {$300.00} of it and I was to pay the difference of {$60.00}. 

This whole process has turned into a complete nightmare and I'm now turning to the CFPB to help resolve this false promotion and false advertising and to get the {$300.00} statement credit I rightfully deserve.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I noticed inconsistencies on my credit report that are in violation of the Fair Credit Reporting Act. I have sent by mail supporting evidence to the Credit Bureau and still no satisfactory result. These inconsistencies include incorrect personal information and inaccurate balance reporting.I am exercising my rights under the FCRA and requesting the immediate correction of these inconsistencies. It is essential that personal information, such as my legal name and address, is accurately reflected on my credit report. Additionally, accurate reporting of balances is crucial for a fair and reliable credit assessment.
Product: Consumer Loan

I have been trying to get this information deleted from my credit report I have made multiple attempts to contact the creditor and have n't got any response. I sent a letter requesting information per the Fair Debt Collection and practices Act and have never gotten a response. When i call the number listed on my credit report an answering system asks for my SS number then hangs up on me. The information on my credit report has n't been updated since 2009 and the credit agencies refuse to delete. Please contact me by phone or E mail for more Info ... .. The Company I 'm trying to delete is SANTANDER XXXX XXXX, XXXX ( XXXX ) XXXXDirect Dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

XXXX has not been giving me a correct information on SS. Dl. On credit bureau. They re moved my present address that lived at for 4 years. I found out that my previous address is getting my copy of credit report. Post lady told me with previous address.. And I report it to all credit bureau XXXX This has been going on for years. I can't even get a copy of my annual credit. I Asked them to remove my data XXXX XXXX older. There's no activity on them synchrony bank denied me for increase said I had to much credit. I don't I only have XXXX limit. 
They can remove old data. I pay my bills on time and late. Someone is applying for credit in XXXX XXXX. That I don't have. At least XXXX stop it. Because I had fraud alert. Because synchrony bank said I had to much credit. They getting my credit with someone else.The credit bureau is reporting my address with out the apartment number. Even the old address. I bought a membership with XXXX XX/XX/2023. It's been a horrible. Called customer service. They couldn't find my account. They said my account was cancelled. Never cancelled it. So I am paying XXXX a month. Not getting my alerts when someone is using my credit. I was told by XXXX that they received my dl was on XXXX XXXX. That a service they have. XXXX has service that XXXX had my SS.information. breached. I don't have cell phone from XXXX XXXX I only have one phone. 
XXXX said that I email them a copy of my dl.ss. I told them I never did that. Or 2 other credit bureau. Never send my information over the phone. XXXX was careless. Did not call me. 
XXXX. Is mixed my information with someone else they trying to cover up there mistakes. They put threw alot of pain. I go by maiden name. XXXX has my credit mixed up with family. Some similar to my name or social security. I will never know because I am not getting an annually credit. I don't have alot credit. Investigate this please. 
XXXX cell number. 
XXXX XXXX
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 Finance Protection Act ( CFPA ). Specifically, Cash App faild to take timely and effective measure 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 cause significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is reporting outdated information. my criminal history is clear. A recent search would reveal that.
Product: Credit reporting or other personal consumer reports

I MUST EMPHASIZE THAT I VEHEMENTLY REJECT YOUR POSITION TO DECLINE MY IDENTITY THEFT CLAIM!!! The authority to determine whether I have been a victim of identity theft rests not with your organization but with the established legal processes. Your authority or legal standing does not grant you the right to make such a claim on my behalf. I hereby CONTEST THESE CLAIMS DUE TO THE ABSENCE OF SUBSTANTIAL FACTUAL EVIDENCE TO SUBSTANTIATE YOUR ALLEGATIONS. Therefore, I strongly urge you to promptly COMMENCE A COMPREHENSIVE INVESTIGATION INTO THESE MATTERS WITHOUT DELAY. XXXX XXXX XXXX XXXX. Please remove this account ASAP.
Product: Money transfer, virtual currency, or money service

I have opened a wallet in coinbase.com they asked me for a small transaction so they can activate my account and I could get my money out of the wallet into my bank account. I sent 10 and they said that it would take about two working days to activate my account. However, it's been almost two weeks and yet my account is not activated, I tried to contact them by all the methods they provide in their website but I never receive any response. 

I have invested thousands of pounds to get all the money that is in that account but they are still holding it. 

Please help me with this. 

Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX : {$35.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card with Capital One in XXXX. Unfortunately, due to financial issues, I was unable to pay the balance and the account was reported as XXXX. In XXXX, I did receive collection calls from a different agency for a few months and then the calls stoped. In XXXX is when i started receiving calls again by someone named XXXX to discuss solutions to my credit card balance. The credit card debt should have fallen off by XXXX if the account was unpaid since XXXX. I feel as though the credit card collections are restarting my clock on this debt and Im curious to know how this can be legally allowable. I have already suffered enough of a financial hardship with having this on my credit report, but to have it restarted is completely unacceptable. I am please requesting that the error be corrected since the account was technically charged off in XXXX. My credit report shows that I have numerous months of late payment since XXXX.
Product: Credit reporting or other personal consumer reports

Months ago, I sent a letter to the three credit bureaus 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 ) ( XXXX ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please correct or remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I requested LVNV & Resurgent Capital to please Not send me any documents. I requested a cease and desist and now they threaten my attorney that they are planning to sue me and saying its fraud, when my letter was a cease and desist request., but they continue to ignore my cease and desist request. LVNV and Resurgent Capital is trying to intimidate me, I request that the CFPB do an investigation and find out how many people or consumers have they also tried to intimidate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  XXXX is reporting inaccurate late payment on my credit report that varies from bureau to bureau. This is incorrect as my payment was not late. I made a payment on the phone with a representative in which numbers were transposed and the payment returned back unpaid in XXXX After noticing it never attempted my account I called to question what was going on. At that point the rep apologized and I resubmitted a payment and monitored my account to make sure it cleared. The very next month, XXXXXXXX XXXX  XXXX closed my account. When I tried to call and dispute the late payment status with XXXX XXXX, it automatically disconnect the call with a recorded statement that says, " our records show that your account has a zero balance. If you are calling to reopen your request can not be completed. THEN A BUSY SIGNAL. I finally was able to log into my account and open up a chat and was told to mail a letter about the dispute. I have mailed letters on 3 different occasions. On Monday XX/XX/2020, I spoke with a rep from XXXX XXXX who again said she was unable to help me and I needed to mail yet another letter. To not be able to work the dispute out with the company and for XXXX XXXX to randomly select months to show a late payment that varies from bureau to bureau is terrible customer service and against the law ( SEE CREDIT REPORT ATTACHED TO VALIDATE THE DIFFERENCES )
Product: Credit reporting or other personal consumer reports

Jefferson capital systems is fraudulently reporting the below information on my credit report and has not been able to provide any of the information I have requested. Thus they have erroneously and fictitiously provided false information to all 3 credit reporting agencies. If infact the information being reported was correct Jefferson captial systems would not be attempting to suppress this information. 
JEFFERSON CAPITAL SYSTEMS XXXX XXXX XXXX XXXX XXXX MN XXXX : XXXX Account Number Date Opened High Credit Credit Limit Terms Duration Terms Frequency Months Revd Activity Designator Creditor Classification XXXX XX/XX/XXXX {$970.00} Financial Date of Last Reported Update Balance Amount Amountt Past Due Date of Last Payment Actual Payment Amount Scheduled Payment Amount Date of 1st Delinquency Date of Last Activity Date Maj Del. 1st Reported Charge Off Amount Deferred Pay Start Date Balloon Pay Amount Balloon Pay Date Date Closed XX/XX/XXXXXXXX  {$970.00} {$970.00} XX/XX/XXXXXXXX  XX/XX/XXXXXXXX  Type of Account - Open ; Type of Loan - Debt Buyer Account ; Whose Account - Individual Account ; ADDITIONAL INFORMATION - Collection Account ;
Product: Debt collection

I paid of my XXXX student loan more than two years ago and even received an email congratulating me for paying off my loan. Recently, I began receiving emails from XXXX about my balance being available, but when I logged in to their website, there was no balance. I assumed this was a computer error. However, XXXX apparently has sold my imaginary debt to AES, which now claims my debt is XXXX plus XXXX in unpaid interest. There is no way this is even possible. Ten days ago, I submitted a written request for verification of the debt to AES, at which point they began harassing me with phone calls multiple times a day. Then today I received an email from AES saying my request could not be completed because I never returned their calls. I realize this is for a small amount of money, but it is money that I do not owe, and I have a right to receive written verification of the debt. My credit has already been ruined by student loans and I'm not going to start paying made-up debts that I don't owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I owned a XXXX  and applied for a business loan in the amount of {$10000.00} of which I was given {$9000.00}. 6 months later the business closed and failed to continue with the loan. In XX/XX/XXXX, XXXX XXXX had filed suit against the Corporation and has attached this law suit against me, personally. I have tried to inform them that they have attached a discharge in the amount of {$46000.00} which is effecting me with attempting to acquire a better rate, apply for a car loan, and rent a place for my family and me. I have contacted thier attorney several times and asked for them to remove that negative item. We are currently going to court in a civil limited case and they have already informed the credit companies that I owe them {$46000.00} Please Help, I dont know if what they did violed the law which it hasn't been resolved through the courts or the judge 's decision on the out come..
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to transunion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity
Product: Credit reporting or other personal consumer reports

My information was exposed in a data breach. According to 15 USC 1692c my rights have been violated by unlawful communications. Please remove the following from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I faxed XXXX XXXX from Fifth Third Bank a copy of the Promotional Inquiries and Account Review Inquiries of my XXXX XXXX Credit Report. My XXXX XXXX Credit Report does not show an inquiry from Fifth Third Bank on XX/XX/2020. I received a letter from XXXX XXXX stating that " Our research found that when we review a customer 's credit report for a possible credit limit decrease or increase, the credit inquiry is a soft inquiry, which does not impact a customer 's credit score, and does not appear on a customer 's credit report. 
I feel this information is not true. My XXXX XXXX Credit Report shows Promotional and Account Review Inquiries which all are soft inquiries. I would like XXXX XXXX to provide me a copy of the soft inquiry credit report she received from XXXX XXXX on XX/XX/2020. 
If she is unable to show me a copy of this soft credit report from XXXX XXXX she received on XX/XX/2020, I would like her to explain why my credit card credit limit was decreased.
Product: Vehicle loan or lease

I received an email from Chrysler Capital ( Tuesday, XX/XX/25 ) that my pre approval for a loan was approved. I was concerned because I didnt apply for a pre approval. I contacted Chrysler Capital by phone and was told a lot of those emails were sent out by mistake and not to worry about my credit report. It was just a mistake and there was nothing to worry about. I had a Chrysler loan years ago, but no current relationship. Very concerned about why they would do this - seems like fraud targeting former customers.
Product: Credit reporting or other personal consumer reports

Good day, please see supporting documents for my dispute.