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

In accordance with the Fair Credit Reporting act XXXX XXXX  ( Original Creditor : 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 written instructions
Product: Checking or savings account

On XX/XX/, I opened a premier checking and Way2Save savings accounts at Wells Fargo Bank at a branch with a banker. I opened both accounts with promotional offers. I complied with the terms of both offers, but only received the bonus associated with the checking account. I contacted customer service at Wells Fargo to determine why my savings account bonus did not post ; they informed me that the banker did not enter the saving account bonus offer code at the time the account was opened. When the banker opened my account, he indicated that he was only able to enter one promotional offer on his system at the time of application but that he would have his back office manually apply the second offer to my account. 

The offer that has not been fulfilled is for a {$520.00} bonus payment 30 days after all offer conditions have been met. The offer was conditioned on a deposit of {$25000.00} or more into the savings account by day 30 after enrolling in the offer ( which I did on XX/XX/XXXX  ) and maintained at least {$25000.00} in the account for 90 days thereafter. I deposited {$25000.00} into the savings account on XX/XX/XXXX  and withdrew {$24000.00} on XX/XX/. Thereafter, I have maintained a balance in excess of {$300.00} in the saving account. 

I would like for the bank to honor the bonus offer, as its banker assured me that the offer would be tied to my account.
Product: Credit reporting or other personal consumer reports

I wrote to Experian, on numerous occasions requesting them to investigate the accounts listed on my report on XX/XX/year>, everything came back verified because they failed to properly investigate the accounts, I then resubmitted my request on XX/XX/year> requesting that they reinvestigate my dispute submitted on XX/XX/year>, in which I requested that you provide tangible proof that these companies received permissible purpose as outlined by Law to access my credit report, without my written consent in accordance with 15 U.S.C. 1681. My specific inquiry was based on my right to privacy as a consumer, which is protected by the Fair Credit Reporting Act ( FCRA ). 

To date, I have not received any documentation or satisfactory response to my request for verification of permissible purpose under 15 U.S.C. 1681b. The failure to investigate my dispute violates the regulations outlined in the FCRA, which stipulate that credit reporting agencies must respond promptly to consumer disputes and provide clear evidence when a permissible purpose for accessing a consumer 's credit report is claimed. 

According to the FCRA, when I raise a dispute, you are required to conduct a reasonable investigation and provide a clear, substantiated response. I am entitled to an explanation of why my information was accessed and the legal justification for such an inquiry. Additionally, if the permissible purpose can not be proven, the entry should be removed from my report in compliance with consumer protection laws. 

Since they have failed to provide the required proof or a proper response to my inquiry, I request the following : Immediate confirmation of your investigation or reinvestigation into the dispute.

A complete, substantiated explanation of the permissible purpose for accessing my credit report, supported by tangible proof as required under 15 U.S.C. 1681b. I am requesting the names of all parties they spoke to during their investigation and their re-investigation, I'm requesting each persons contact information, their Title, Their Employer, and the exact steps they took to investigate and re-investigate the companies that I have disputed, if they can not substantiate information within a timely manner I'm requesting that these accounts be deleted immediately and not re-reported as is another illegal practice that this company does to buy time instead of following the law I formally requested that the company correct any and all inaccuracies and actively fulfill their obligations under the FCRA.
Product: Debt collection

Diversified Consultants, Inc. Calls me multiple times per day.

I have requested via their website contact form more than 3 times for them to stop calling my phone number. 
They continue to call every day, multiple times. 
I reiterated on the phone that I have requested to not be called anymore and it still happens. 
I have also never recieved any written contact from them explaining the debt they are attempting to collect. 
I want the debt verified and the calls to stop.
Product: Debt collection

Dear MACYS/CBNA ; I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : XXXX. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter. 
XXXX. Legal basis for the collection of this debt. 
XXXX. Proof of your authorization to operate in [ State Name ]. 
XXXX. Evidence of the alleged debt, including any contracts or agreements bearing my signature. 
XXXX. Complete account history, inclusive of all collection-related charges. 
I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions. 
Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection.

* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.
Product: Debt collection

hi there during the time of the payments where when XXXX came then things got bad for me with family issues out of town had to budget expenses due to the economy going down for my business so I was trying to seek a reasonable payment in date to focus on towards paying my debt off with them an then XXXX day I received a call being treated to be sued when I was trying to communicate a reasonable price. I've never got a call always emails mail maybe once about high a end installment payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX To Whom It May Concern My name is XXXX XXXX. I am writing concerning the account placed on my credit file by XXXX XXXX. I have fought vigorously in XXXX for this account to be removed from my credit file. Today, I called the county court here in XXXX XXXX  to inquiry about the pending active suit against me filed by XXXX XXXX several years ago via their law firm, Rausch Sturm LLP. The case number is XXXX. I spoke with clerk XXXX XXXX and she state that XXXX XXXX sent notice in XXXX of XXXX of a non-suit and order dismissing all claims against me with prejudice. But the law firm failed to attach the order for the court to actually dismiss the case. XXXX XXXX has reached out to the law firm many times to send the order to no avail. Meanwhile, the account is still reporting active and passed due on my credit file as it has done for years. I recently was denied a home loan due to this debt and denied credit with XXXX XXXX. Please send order to court to dismiss case and to all credit reporting agencies to remove from my credit file. Attached proof of documentation from court concerning XXXX XXXX and Rausch Sturm. 


XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I disputed a collection account XXXX XXXX XXXX account number # XXXX with experian inaccurate original balance experian asure the information was accurate... explain how the original balance is XXXX and experian is reporting the original balance as XXXX these two figures don't not match ... this is inaccurate reporting and needs to be removed.
Product: Credit reporting or other personal consumer reports

I've been attempting to contact the appropriate channels about the errors on my credit report, but I haven't had any success. It's been incredibly frustrating and stressful, keeping me up at night wondering about my financial future because these inaccuracies are unfairly impacting my credit score and preventing my credit applications from being approved.
Product: Checking or savings account

I opened a new BBVA Compass bank account under the following terms : BBVA Compass is offering a bonus of {$200.00} when you open a new checking account and complete the following requirements : Receive a direct deposit of at least {$300.00} within 60 days of account opening However, I have not received the bonus yet. 

I met the bonus requirements ( Receive a direct deposit of at least {$300.00} within 60 days of account opening ) on XX/XX/2017 and should have received my bonus by now.
Product: Checking or savings account

Dear Sir/Madam : Thank you for your time. I have a small business checking account with Truist, and I always check my account before I use my debit card to conduct business. But recently I discovered that the bank was withholding purchases and placing them in pending status sometimes as long as weeks. Finally, when all the transaction are drop in the account it causes overdraft resulting in fees. I contacted the bank to resolve this issue, I was told by the young lady that it was the bank discretion on how long the items remain in pending status. The reason I used the debit card to make purchases. I have direct deposit from my social security, I am senior citizen on XXXX with a fixed income, and if nothing is done, I will not be able to make my rent payment on the XXXX of XX/XX/2023. This will be creating undue hardship. I need some kind of help, thank you, and XXXX bless. 

XXXX XXXX XXXX, ( XXXX ) XXXX - cell
Product: Credit card or prepaid card

Through my XXXX account I applied for a JP Morgan Chase issued rewards credit card. Chase pulled my credit report on XX/XX/2022. When I contacted them in XXXX because I had received no response I was told to just resubmit an application which I did. Chase again pulled my credit report on XX/XX/2022. I know for a fact that my credit score was good/excellent on both occasions. The credit applications show as hard inquiries on my credit report and did slightly decrease my credit score. It is now XX/XX/2022 and I still have no response to either application.
Product: Credit reporting or other personal consumer reports

I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

This is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX : {$460.00} XXXX XXXXXXXX Balance : {$260.00} XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and i have recieved letter fromXXXX   XXXX XXXX  that they were offering to pay off my credit cards and resolve problem with banks within 1 month of our agreement, we agreed that i would pay them XXXX $ a month and they will contact banks and resolve all the late payments, after i made first payment, banks still were calling me and they were saying that, they never been contacted from XXXX XXXX XXXX, then i called this company and asked them why they didn't called banks, i recieved answer that i have to make 9 payments at least and after that they will contact banks, this wasn't agreement between us, then i called my bank, which i was using for automatic payments with this company and ask them to stop payments to them and opened a claim, bank gave me back XXXX $ and just received the decision after a week that bank is taking back XXXX $ charge and i have to close account to stop XXXX XXXX XXXX to charge my account, after that i started research about this company and it seems like 99 % of clients sued them and they seem like a scammers, i need to stop this company taking my money and also looking forward to take my money back what i paid them already, there was my claim about global client solution and it seems like they are contractors to each other, i knew that they were main company which was dealing with my banks but they responded and said that they only were taking XXXX $ of charge from ammount of XXXX $ and main company is XXXX XXXX XXXX, but my bank charge says different story that money was charged from global client solution, also Global client solution said in their letter that refunded XXXX $ to my account which is a lie  and nothing was refunded on my account, please see attached files
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw inaccurate information on my credit report. XXXX XXXX XXXX is showing a late payment remark. I was never late on this account. I always pay my obligations on time.
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 Balanced : {$80.00XXXX XXXX XXXXXXXX XXXX Balanced {$0.00} XXXX XXXX XXXXXXXX Balanced : {$5300.00}
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees and credits. This issue aligns with the recent CFPB findings Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

I am attempting to correct my credit report with Equifax, XXXX, and XXXX. On my Equifax credit report states it states that I have an account with XXXX. I contacted Equifax to let them know that I do not have an account with Equifax because the account was transferred to XXXX. I disputed this claim and the during Equifax 's " investigation '', XXXX claimed that I do have an account with the company. In addition, it updated the account to say that I am past due. I am not past due on my student loans ; however, my payments are made to XXXX, not XXXX. 

I am attempting to buy a house and I can not have any past due student loans comments on my credit report. Furthermore, I am making my student loan payments so the information is incorrect. I called XXXX to get my account information and the representative again confirmed that my account was transferred to XXXX. Nevertheless, XXXX continues to report that I have an account with it and that payment is past due. This is negatively impacting my ability to qualify for a home. I provided Equifax with copies of the letter from XXXX and proof of payment, yet the company refuses to remove the information from my credit report. 

I also contacted XXXX to request the complete loan history from initial disbursement and transfers. I have not received this information. This information is critical to me correctly calculating my student loan payments. I personally believe the calculations are incorrect, yet I can not receive the documents from the initial Fall XXXX disbursement. I want the full loan history including the transfer information between lenders.
Product: Credit card or prepaid card

This card had been opened in my name for a couple of years. I had shared my concerns with Capital One that this was not my account. Instead they charge off the card and I owed a balance. I end up paying the balance but asked them to remove the card from my report as it was not my card. As a result they claim that they would remove it but never did. XX/XX/2019 the card was closed and never removed from my report. I have contacted them numerous time and this had no purpose. I am asking that this be removed from my report due to identity theft.
Product: Debt collection

On XX/XX/XXXX I recieved a collection notice in the amount of {$47.00} from the Law Office of Gregory Hagan which he claims I owe to XXXX XXXX XXXX XXXX. On XX/XX/XXXX I sent out a letter of dispute and debt verification to his office via certified mail. Attorney Hagan received my letter and personally signed for it on the green form which I recieved back in the mail on XX/XX/XXXX. After never receiving any form of validation from Attorney Hagan I then recieved a 2nd collection letter 0n XX/XX/XXXX stating that I ignored his first letter and this will not be tolerated. He also stated that if legal action becomes necessary I will have to pay court costs and legal fees. I called Attorney Hagans office on XX/XX/XXXX and XX/XX/XXXX to speak with him and continue to recieve voicemail. His office called and left me a voice mail as well after my first attempt in contacting him. I have spoke with a local FDCPA Attorney on this matter and was told that Attorney Hagan violated FDCPA law by continuing to collect wothout validating the debt and by writing misleading and untrue information in his 2nd letter since I clearly contacted him and didnot ignore his 1st letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect Personal information on my credit reports.
Product: Mortgage

My home mortgage was transferred to XXXX ( Platinum Home Mortgage ) effective XX/XX/2015.I was notified in XXXX XXXX, but I have yet to receive a welcome package or payment coupon book from the new lender. I have struggled to figure out where I 'm supposed to send my house payment and how to pay it online. Previous to the lender transfer, I always made my home loan payments online and on time. Today, I was able to find the new lender website through my own research ( www.phmc.myloancare.com ). I very well could have mailed a check to their address in XXXX, Virginia, and it would have been received prior to XXXX/XXXX/2015 XXXX when a late fee would have otherwise been assessed ). I opted to pay online after I confirmed my account appeared to be transferred to the new lender. While processing the online mortgage payment, I was forced to use the one-time payment option as the lender determined my mortgage was past due ( even though they would only assess a late fee if payment was not received by XXXX/XXXX/2015 ). As such, I was forced to pay a {$5.00} penalty for paying XXXX days after the due date of XXXX. Otherwise, I would have setup auto-pay and been done with the transaction. I resent being penalized for making my house payment on time. It might only be {$5.00}, but multiply that by XXXX of people every month and that 's quite a chunk of passive income. I believe this is an unfair business practice and the lender should be prohibited from assessing such fees, especially in the process of a mortgage transfer over which I had no control.
Product: Credit card or prepaid card

This is a continuation of CFPB Case : XXXX Chase has decided not to perform their fiduciary duty in resolving this case amacabbly. THey stated in our case that they would resolve without issuing my a 1099 for cancellation of debt on an illegitimate charge. Even though I have proof, in writing, from XXXX XXXX that they would issue a refund and chose not to, chase is ignoring all evidence and treating this like a debt cancellation, rather than a fraudulent card. WHen contacting Chase they are stating that it is not fraud, despite the airline never delivering the flight OR the refind, even though they stated they would in writing. 

Noty only is this not in alignment with the agreed upon resolution of the previous case, but it is by definition a violation of our credit card 's fraud protections. They are asking that I pay taxeso n this money TWICE, leaving me materially at a loss because they wish to be negligent and not take the proper care to follow through on the charge back.