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

I have a checking and credit card account with Wells Fargo. When I logged into my online banking, there was an offer for a cash bonus of {$520.00} to open a new savings account with a {$25000.00} deposit. I contacted the branch at XXXX, WI to schedule a time to come in and the man told me I could just open int online. I went back into my online banking and opened the savings. On XX/XX/XXXX I deposited {$25.00} and then on XXXX I deposited {$250000.00}. I withdrew the balance on XX/XX/XXXX, after the XXXX period requirement. I contacted Wells Fargo multiple times to request the cash bonus, and they stated because the account wasn't coded properly, they would not pay the bonus. I escalated this to their executive office, and they basically stated no exceptions. I strongly feel this is a XXXX violation as unfair and misleading to a consumer. The offer was received, and the requirements were completed. I completed the requirements as evidence in the attached statements. I received the offer as evidence in the screen print, I took when opening the account. My hand notes are the cases Wells Fargo opened for my complaints. I would greatly appreciate their cooperation in honoring the offer.
Product: Payday loan, title loan, personal loan, or advance loan

The account was charged off also car was repo and they still trying to charge me all dis fees also the account was closed
Product: Credit reporting, credit repair services, or other personal consumer reports

Received notice from INNOVIS Consumer Assistance that they were " required to send this letter per the Colorado Consumer Credit Reporting Act requires consumer reporting agencies, like Innovis, to notify consumers that negative information was added to your credit report ..... '' This Notice, states that " Accounts with Negative information was added to my to your Innovis Credit Report wishin the past 12 months ''. And it states 1 ( one ) item was added. 

When I tried to call the XXXXXXXX XXXX listed, it answers with recording, telling me to record my Social Security Number and name and address. 
Of course, I did not do that. 
The " case ID # '' listed on this paper is : XXXX The only listed address is XXXX XXXX XXXX, XXXX, GA. XXXX
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/year> but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXXXXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX  XXXX Balance : {$1800.00}
Product: Mortgage

Discover Home Loans took our application XX/XX/XXXX, said it would take 6-8 weeks, they strung us along, harassing us with multiple requests for the same info. After two months and getting to underwriting we were declined credit because of " XXXX XXXX Type '', XX/XX/2012. Whatever that means. Having reached out for an explanation and how we could fix whatever problem it is we have not heard back from anyone. They have not removed themselves from my home XXXX and on one call to them to try and understand the problem they said that the loan number printed on our decision letter was not a loan number of theirs and they could not help us. Very poor customer service and no ability to understand our denial nor get our wasted time or credit scores back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my most recent credit report, I noticed that you are continuously reporting accounts with incorrect erroneous information. This is a massive violation to the Fair Credit Reporting Act. I have already addressed Equifax with regards to this issue and I have not received any response from them until this date.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020, I sent a letter regarding wrong and inaccurate things on my credit report. To this day, over 60 days, I have not received a response yet. I feel like I'm being taken advantage of and being ignored for my disputes. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to remove those from my credit report immediately, and it's been over 60 days, so they should be deleted promptly. Also, my information was impacted by the XXXX  data breach and may have gotten into the wrong person 's hands.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed negative items on my report multiple times I have not been contracted by any bureaus are notified on how the negative items on my report was verified I was looking up fcra and it states that negative items have to be verified with supporting documents and if not verified it has to be removed it has been more then a month
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 a collection account has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting is XXXX XXXX I FOR THE AMOUNT OF {$5.00} ,XXXX to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of collection that are reporting has not been opened by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused collections accounts and dates FOLLOW AS : XXXX XXXX  I opened XX/XX/XXXX XXXX FOR {$5100.00}, XXXX XXXX opened XX/XX/XXXX XXXX FOR {$0.00} ..BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, XXXX AND EQUIFAX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt. 
XXXX XXXX HAS NOT VERIFIED THIS DEBT WITH MY SIGNATURE. 
XXXX XXXX HAS FILED BANKRUPTCY AND THE CFPB HAS ENFORCED ACTIONS TAKEN AGAINST XXXX XXXX AND XXXX XXXX SEE COURT CASE CONSUMER FINANCIAL PROTECTION BUREAU VS NATIONAL COLLEGIATE TRUST SEE COURT CASE TRANSWORLD SYSTEMS INC 2017-CFPB-0018
Product: Credit card

I have spoken to 5 people in the Dispute Dept. XXXX XXXX XXXX XXXX XXXX XXXX. None of them refunded the {$450.00} due to the merchant, as I authorized. A Dispute Dept. manager XXXX XXXX ) who I spoke to on XX/XX/XXXX gave me inaccurate info stating that the merchant would have the refund on XX/XX/XXXX. I have a piece of furniture that was delivered damaged which is being promised to me to be replaced by the merchant, but they want their {$450.00} paid to them first. Visa 's Dispute Dept. was told by me and my husband on XX/XX/XXXX to release the disputed amount and even when I spoke to 4 other people in the Dispute Dept. on XXXX XXXX XXXX XXXX XXXX XXXX nobody did what I instructed/authorized and then when I finally asked for a supervisor on XX/XX/XXXX, the employee I talked to said a supervisor wouldn't tell me anything different. I had to tell that employee twice to get me a supervisor. The supervisor gave me incorrect info according to the supervisor I spoke to on XX/XX/XXXX who also told me there was nobody else to escalate this issue to and now the merchant has to wait until possibly XX/XX/XXXX to get their money which means I have been waiting over 59 days for the issue to be resolved through the Dispute Department which they have failed at on now 6 different calls. I want someone to get to a high level executive at Chase Bank Visa where this credit card is from and make them aware of the lousy way this has been handled.
Product: Credit reporting, credit repair services, 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 corrected : XXXX XXXX XXXX XXXX : {$2900.00} ; XXXX XXXXL XXXX Balance : {$16000.00} ; XXXX XXXX Balance : {$15000.00}
Product: Credit card or prepaid card

I already paid my balance in full from my checking account on XX/XX/2019 and a provisional credit has been applied to my credit card but they stated they will not send funds back to my checking for up to 90 days which is too long in my opinion.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that are reported on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: 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 transaction ere authorized, i was charged fees due to lagged posting of charges and credits.this issues aligns with the recent CFPB findings against navy federal for similar practices where transactions settled with sufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transaction
Product: Student loan

1 ). Mohela has refused to apply PSLF payments to my account as of todays date. 

2 ). Mohela stated it takes longer to process PSLF applications with W-2s and or other documents proving length of employment. However, Mohela never reviewed those documents ( labeled documents as duplicates and remained unprocessed ). 

3 ). After confronting Mohela about falsifying information, a representative resubmitted my PSLF documents. Mohela stated this would take 3-5 business days to process. However, Mohela has refused to process the resubmission. 

4 ). Mohela knows once my PSLF documents have been processed, the 120 qualifying payments would be met.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX keep updating payment history to extend time the account remain on the credit file. Last payment was made XX/XX/XXXX.. There reporting two payments on XX/XX/XXXX and XX/XX/XXXX. I never made those payments they are reporting. This account should have been deleted after the 7 year mark.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my credit file and I seen some inquires I do not recognize. I acquired from your organization on XXXX XXXX, XXXX and I noticed an unauthorized inquiry had been made. 
I contacted XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report. There over 15-20 inquires on my report I never applied for any loans or contracts for business with these companies. The dates are around XXXX If you find the inquiry referenced above to be valid, please send me a description of the dates and time as well as the vendors used in your investigation within 15 business days of the completion of the investigation.
Product: Credit card or prepaid card

I am disputing the charge of {$42.00} interest made to my account on XX/XX/XXXX, leaving my account with a balance of {$42.00} due on XX/XX/XXXX. I paid my entire balance of {$2800.00} on XX/XX/XXXX, leaving a balance of {$0.00}. Imagine my surprise on XX/XX/XXXX, when I checked my account to find that even after I had already paid my entire balance as it was shown on my bill due XX/XX/XXXX to find that even though I had paid my full balance as shown on the bill, that I now owe more money? 
I called customer service as Capital One does not give customers the capability to dispute finance charges online as it does with disputed charges or purchases. I was then told that because I did not pay off my full balance for two ( 2 ) consecutive months that I was charged for interest in arrears for the month of XX/XX/XXXX and that is why I still owed {$42.00}. 
This is an unfair charge and should be removed from my account without further delay. It is unfair because there is no amount on the face of the bill which states : Note, if you have not paid your total account off last month, you will owe {$42.00} in interest in addition for the prior month to the charges shown. Also, if this is the case, {$42.00} should have been added into the balance to be paid in full and I would have paid it as part of the full balance.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, account which was involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. The following account need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. XXXX XXXX
Product: Credit reporting

XXXX is illegally reporting false information about me on my credit report. They are alleging that I owe a balance but when I attempted to contact them and resolve whatever claim they had, they refused to take any payment from me. I checked my report in XX/XX/2017 and XXXX is still reporting that I owe a balance. I need to have this account removed from my record immediately as it is affecting my credit in an egregious manner. XXXX appears to have no interest in complying with the Fair Credit Reporting Act or the Fair Debt Collection Practices Act as I have previously contact them requesting proof of this debt numerous times and have not received any documentation or validation to date and they are refusing to accept payment from me but want to report delinquent information about me to the credit bureaus. They are also falsely claiming that I recently paid them {$110.00} which is also completely false and inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any accounts which were opened without my knowledge, consent or authority. The following items need to be removed as they are fraudulent. 

TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I purchase items from Amazon XXXX and make payments to Chase Bank using an Amazon XXXX XXXX XXXX online. For the past three months when going online to make a payment to Chase Bank. I saw that all of my primary bank accounts and the last four digits of my account numbers were posted on Chase Bank 's Website without my authorization. I want to know how Chase Bank received my accounts from my primary bank. I thought it was illegal for one bank to transfer a customer 's private bank account to another bank. I did talk to my primary bank and they told me they did not forward my account information to Chase Bank. I have not spoken to Chase Bank because I want CFPB to see it so that it does not happen again. In the past, Chase has been sending me emails telling me that I can be rewarded if I open a checking account with Chase Bank. However, I'm not interested in a checking account with Chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DUPLICATE REPORT. I AM ASKING FOR THE ITEMS TO BE DELETED FROM MY CREDIT REPORT 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. 1 ) XXXX XXXX XXXX 2 ) XXXX  3 ) XXXX XXXX XXXX  15 USC 1681 Section 602 A states I have the 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 15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information ... any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 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. 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose
Product: Checking or savings account

On XX/XX/18 I received a check from XXXX XXXX XXXX for work that I was to perform for XXXX XXXX. XXXX XXXX initially contacted me via telephone and requested that I provide a quote for painting services. After agreeing on a price, XXXX XXXX sent mea check for {$4500.00} for the work to be performed. Part of this fee was to be spent on painting supplies and art to be hung up after the job was completed. My fee for the job was {$1800.00} with me receiving 50 % of the fee up front. The remainder was to be spent on the supplies. 

Upon receiving the check, I deposited it into my XXXX Checking account on XX/XX/18. That night XXXX XXXX requested that I withdraw {$3500.00} of the money and deposit it into a XXXX XXXX XXXX Account. The name on this account is XXXX XXXX XXXX. The account number is XXXX the next day on XX/XX/18 I looked at my account to make sure that his check was accepted. After seeing that my account reflected the deposit, I withdrew {$3500.00} from my account and deposited it into account listed above. XXXX XXXX XXXX required me to purchase a Moneygram for the deposit. 

Moneygram charged me {$0.00} for each money order. I bought 4 money orders. Once I deposited that money into XXXX  XXXX XXXX they accepted it. XXXX XXXX asked me if I deposited this money and he rushed me to do this. He told me to send him a copy of the deposit. With my frustration with rushing me I told XXXX XXXX I would not want to do this job. 

Upon this conversation I spoke to Moneygram to cancel sending the payment. At this point I knew this was not something legitimate and I wanted to cancel the payment so I can retrieve my money back. Moneygram refused to do that because it was a pending payment. By the time it was deposited into that Account on XX/XX/XXXX, " XXXX XXXX '' had already withdrew it. I can not know this for sure but I would like answers. Can XXXX XXXX XXXX/Moneygram reverse this payment so I do not have to be a victim of fraud like this.