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

I received a mailer advertising a promotional offer when completing two different actions prior to XX/XX/23 : 1. open a XXXX checking account and receive direct deposits totaling {$1000.00} within the first 90 days ; once the terms of the code have been satisfied, the offer reads, the promotional bonus of {$400.00} will be deposited within 60 days. 
2. open a Relationship CD of any term length with a minimum of {$25000.00} ; once the CD reaches maturity, the promotional bonus of {$350.00} will be deposited within 60 days. 

The promotional mailer was sent to a nonexistent person at my address. The terms of the offer read : " One bonus offer is available to the addressee or a person in the addressee 's household. '' I enrolled my offer code on XX/XX/23, and opened the XXXX Checking Account the same day ( immediately after code enrollment ). I completed the requirements for the {$400.00} bonus on XX/XX/23. 

I opened the Relationship CD ( 8-month term ) in branch on XX/XX/23. Since I have not met the terms of that promotion yet, it is not included in my complaint. 

I called the main Regions customer service number on XX/XX/23 and was told at that time that, yes, the offer was attached to my account and I would receive the bonus ; the representative explained that it was a new offer and therefore would not show up in the bonus tracker that in-branch bankers have access to. 

I'm also attaching a printout that XXXX at the XXXX XXXX branch in XXXX, GA, gave me that shows my offer code had already been enrolled, dated XX/XX/23. This is from a system that only bankers have access to, thus, I have not been able to access any information about the promotion on my own. The printout had my account number written on it, so I blacked it out, but everything else is correct. 

The terms of the {$400.00} XXXX checking bonus say that it will be deposited into my account within 60 days of meeting the requirements, but we have now passed 60 days. I sent a secure message while logged in to my online account, and was told there was no offer attached to my account. Via secure message on XX/XX/23, I was told the representative, XXXX, had submitted a " ticket '' and that I would hear back within 5 business days. I have not had any communication from Regions in that time. 

In addition, a banker at the XXXX XXXX branch, XXXX, created a ticket on XX/XX/23 with the same information I am supplying in this complaint. As of Friday, XX/XX/23, she told me she had not yet received a response. 

I followed the terms of the bonus to the letter. I would not have opened this particular account without the enticement of a promotional bonus ; Regions is in violation of the law by denying me this bonus. I now have significant funds ( over {$25000.00} ) tied up in this bank because Regions promised a bonus. 

The front and back of the mailer, including the bonus terms, are attached, as is the printout showing my offer code had been enrolled
Product: Credit card or prepaid card

XXXX XXXX is showing a missed payment from XXXX of 2012 - payment was not missed or notified of missed payment.
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 Balance Owed : {$29000.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$30000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus did not conduct A proper " investigation '' according to the FCRA the term " Investigative Consumer Report '' means A consumer report or portion thereof in which information on A consumer 's character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumers reported on or with others with whom he is acquainted or may have knowledge concerning any such items of information. None of the 3 Credit Bureaus ( XXXX, Transunion, XXXX ) did A thorough Consumer Report Investigation to insure all information is complete, accurate and verified. I have included documented proof of inaccurate account balance, account open date, account date last active and date last reported
Product: Credit card

Received card, document stated, simply pay {$95.00}. processing fee to open your account and access your available credit, after card was declined, I contacted customer service was a payment of the annual fee would be due a month later, So on XX/XX/year>, I canceled the card, requested refund of the {$95.00} processing fee, was 3-7 days, nothing happened, called 4 times, and each time they requested that I call back, each time they told me to call back. 
So today I contacted the back of Missouri customer, I call 3 times, each time I told them what the issue was, they hang up on me, problem unresolved.
Product: Debt collection

Aargon account # XXXX Received Letter from Aargon dated XX/XX/XXXX Creditor Name XXXX XXXX XXXX - XXXX Creditor account # XXXX Emailed request to debt validation on XX/XX/XXXX and stated I do not agree that this balance is mine. No response. 
I emailed again to the XX/XX/XXXX with a policy report number. A police report was filed because I believe to be a victim of identity theft and this collection is not mine. I also included a copy of my FTCIdenitfy theft Report. Account number XXXX which states in accordance with the Fair Debt Collection Practice Act, I am asking you to immediately stop all collections activities about this debt, including reports to the credit reporting agencies. I also ask that you tell the business where the account was opened that this debt is the result of identity theft.
Product: Checking or savings account

1. Due to defects in the Wells Fargo online check deposit system, I have tried to take photos to deposit money several times but failed. There is no record of my taking photos to deposit money and the reason for the failure in the system.

2. If my operation is illegal, Wells Fargo should also give a warning. They should not close my checking account and savings account directly. Because I did nothing wrong, I followed the online prompts step by step.

3. Wells Fargo said in the account closure notice that I deposited and cashed checks many times. Please provide evidence.

4. Wells Fargo used its online defects as a tool to harm customers.
Product: Credit reporting or other personal consumer reports

I got a alert from my Experian credit monitoring that my account had been flagged by XXXX  XXXX XXXX on XX/XX/XXXX and put on my credit report on XX/XX/XXXX for a account from XXXX XXXX that I owe XXXX from XX/XX/XXXX from a joint account. I have never had a joint account with anyone and never lived at a XXXX XXXX. This is not my account and is fraud and I believe has been done by this company XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I called the company on XX/XX/XXXX at XXXX to speak to a representative regarding this account which his name was XXXX XXXX who had left me a message to call back an XXXX XXXX XXXXXXXX. I proceeded to talk to the representative to informed not my account and where did they get this from. He stated it was a joint account with a XXXX XXXX and a XXXX XXXX which are people I don't know at an address from the year XXXX which is not where I lived in XXXX. I recorded the whole phone call with the representative which I have saved and given to my attorney .He wasn't willing to help and just said he will note the account as fraud and hung up in my face. I will be putting a lawsuit to this company. I strongly believe they are doing this to people and putting stuff on accounts I will be having them investigated with my attorney. The account number on my credit file is XXXX which Ive attached what it looks like on my credit report. I also have the recording of the representative which my attorney will present at court. This is so overwhelming of this company putting other people accounts on you report.
Product: Credit reporting or other personal consumer reports

To whom it may concern, Under 15 U.S Code 1618B Permissible purpose of consumer reports ( a ) IN GENEREAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relate. 

I, XXXX XXXX never gave Transunion any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached with this dispute letter. 

Concerning the account listed below as a consumer, I am demanding a deletion of these account listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX AND PORTFOLIO RECOVERY have not taken my dispute requests seriously. I have disputed this account over 4 times this year in 2019. I have not received ANY validation documentation as asked. I have NOT gotten any responses from them aside from updating my account on with DISPUTE RESOLVED CUSTOMER DISAGREES. 

I am asking for completed validation of this account and if this can not be completed within the next 30 days I want the account removed from my credit file and never added back again. I have expressed concerns that this is NOT my debt and it seems to be falling on deaf ears. 

Any help in this matter will be appreciated.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account # XXXX In accordance with the fair credit reporting act this creditor has violated my rights under 15 usc 1681 section 602 states I have a right to privacy. 
15 usc 1681 section 604 ( a ) section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 usc 1666 ( b ) a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX I walked into my local Wells Fargo Branch to get a replacement debit card, they sat me down with a banker and while he was " replacing it '' he informed me that I needed a credit card and that I was already approved ( ran my credit without consent ). I told him that I never had a credit card and I wasn't sure about it, he said everyone did and that I was already approved and the card would be on its way. I was too young to know better so I just walked away and when I got my card in the mail I started using it. Fast forward a couple years later to XXXX, I was getting everything ready to leave the country to go study abroad. I went into my local branch again to make sure my card was closed, I had perfect credit and didn't want anything to happen while I was gone. The banker was supposed to help me close it, he even " helped me '' schedule the last payment which was supposed to be automatically transferred from my account. According to him everything was settled and the card was closed. When I came back in XXXX, I was given a bunch of mail from Wells Fargo saying that my credit card was sent to collections and my credit was ruined. I filed several complaints with that branch but since I didn't have any receipts on the payment, they said they could not do anything. I was forced to pay the full amount that was supposed to be paid when the banker helped me plus interest plus fees. Now, more than 6 years after the account was supposed to be closed, it's still affecting my credit and it is making it very difficult to qualify for a mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted written requests to verify the accuracy of 4 accounts listed on my credit report. Specifically, to provide original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ).

I have filed 5 requests with 45 days in between to allow for processing Starting in XX/XX/XXXX and was never provided the documentation requested. 

I then called today ( XX/XX/XXXX ) and spoke to ta representative who verified the do not have the required documentation but also do not plan on doing anything about this as required under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Product: Credit reporting or other personal consumer reports

Unrecognized inquiries XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX On record XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and noticed an account from a creditor I have never done business nor authorized to report on my consumer report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX  credit card with account # XXXX opened on XX/XX/XXXX and a balance of {$750.00}. 
XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$280.00}. 
XXXX  XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$58000.00}. 
XXXX XXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$1300.00}. 
XXXXXXXX XXXX XXXX XXXX  with account # XXXX opened on XX/XX/XXXX and a balance of {$1400.00}. 
XXXX XXXXXXXX XXXX XXXX XXXX  with account # XXXX opened on XX/XX/XXXX and a balance of {$1400.00}. 
XXXX XXXX XXXX XXXX  credit card with account # XXXX opened on XX/XX/XXXX and a balance of {$1300.00}. 
XXXX XXXX XXXXXXXX XXXX XXXX  with account # XXXX opened on XX/XX/XXXX and a balance of {$1400.00}. 

I couldn't apply for any loans because of these negative items on my report which shouldn't be there and it's giving me XXXX
Product: Credit reporting or other personal consumer reports

The credit bureau XXXX and Transunion is failing to remove all of the incorrect items from my consumer report after receiving several rounds of dispute letters from me. They also claim that they can not verify who id sending the letters after receiving documents containing my identity attached to the letters.
Product: Credit reporting or other personal consumer reports

I, the consumer and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions. Delete this account immediately, unless you want to be held {$1000.00} per violation. You have 30 days to respond to this letter. Please do so. 

This company failed to respond to this letter I sent on XX/XX/year>. According to the FCRA, this company is in violation. Please delete these accounts from my consumer report.
Product: Credit reporting or other personal consumer reports

It is important to emphasize that this complaint is not an oversight, but a genuine concern regarding the presence of false and unreliable information on my credit report. The inaccuracies present have led to undue stress, and I am experiencing adverse effects as a result. 
Desired Resolution : I kindly request your quick attention to this matter. It is essential that you take immediate action to rectify the inaccuracies by removing all false information from my credit report. I can not afford to endure prolonged stress and negative repercussions due to the inaccurate details
Product: Money transfer, virtual currency, or money service

I am filing a compliant against cashapp ( 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 practice was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer act EFTA and regulations E these actions cause significant harm and financial loss and I seek redress, for these violations, my loss was substantial
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168. XXXX # XXXX, XXXX XXXX # XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 consumer reporting agency can not furnish your account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of conventions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit card or prepaid card

First Progress Platinum Credit Card states I have a balance of {$250.00}. 

The Credit Card I have is a Secured Card with a Cash Balance of {$300.00} To Secure the Credit Card. First Progress never made a refund of the {$300.00} Cash I paid to Secure the Card. 

There for I should have a Refund of {$46.00} returned to me with a XXXX Balance. 

First Progress kept the {$300.00} and reported to all Credit Agencies that I owe them outstanding Balance of {$250.00} but they forgot to State they Kept My {$300.00} I paid in the Beginning to open the Account. 

I want an Investigation into the Fraud they have committed in keeping My {$300.00} I already paid them. 

In Conclusion I want them to report to all 3 Credit Agencies I have A XXXX Balance and a Refund of {$46.00} Owed Me. 

Waiting for a reply, XXXX XXXX XXXX Account Number Credit Card : XXXX expiration XX/XX/XXXX ( XXXX )
Product: Credit reporting or other personal consumer reports

In accordance with Fair Credit Reporting act Convergent Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have right to privacy.

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

XXXX is reporting an unauthorized loan on my file for XXXX
Product: Money transfer, virtual currency, or money service

On Friday XX/XX/2021 at around XXXX pm I received a text notification from Chase about a quickpay transaction that was in process asking if I was doing it like they usually do. I answered no and they replied saying that I couldn't use my account until they talk to me and gave me a phone number they were going to call from and mentioned that it was the number on my card. Five minutes later I received a call and before answering I verified that it was actually the number on my card, the customer service number from Chase. The person didn't ask me any personal information just verifying the name of the person on the transaction to see if I knew it and my email address and I again said that I didn't process it. He mentioned that XXXX XXXX was the bank that was requesting the money and that they said that the only way to process the refund for the money was to process another transaction to myself using the email address on my account for the {$600.00} which I did because I was sure that I was talking to someone from Chase Bank and I was sending the money to myself. After that he told.me that they'll take care of everything and my account will be blocked for 48 hours. Since the money was taken from my account I went to one of Chase branches to see what was happening with my money and they told me that they can't do anything because I initiated the transaction, that it looks that somebody copied their phone number to do the scam. Something that I believe is not fair because how I was supposed to know that the person calling wasn't actually one of their employees if I verified the number on my debit card.
Product: Checking or savings account

My wallet was stolen on XX/XX/XXXX. Among the cards stolen was my ATM debit card. The card was used fraudulently for {$99.00} and the activity was reported to USAA on that same day of XX/XX/XXXX. No additional information was ever requested by USAA. On XX/XX/XXXX I received notice that they had concluded their thorough investigation and concluded the charges were not fraudulent. I put in two requests for information that was relied on and was sent another copy of the same letter that said they had concluded their investigation and that I had the right to request the documents they relied on. A woman named XXXX who would not give last name or employee ID called me and said it was suspicious that I didnt send more information that they had not requested. She also told me there were no documents to send me regarding this investigation. USAA has since held me fully liable for the purchase. I believe this violates the EFTA in several ways. Chiefly, the time period allowed for investigations and the maximum liability allowed for fraudulent transactions.