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

I had signed up for the Wells Fargo {$300.00} checking bonus on XX/XX/year>XXXX  which showed clearly my accounts eligibility to receive this offer and I completed the initial direct deposit requirements on XX/XX/year>XXXX  ( within the 90 day timeframe they required ). I followed up with Wells Fargo customer service on XX/XX/year>XXXX  to verify my eligibility and was told my account was on track to receive this bonus. On XX/XX/year>XXXX  I call in again to verify when I will be receiving the bonus and am now being told my account is not eligible to receive this bonus due to me not being a new customer.. my previous Wells Fargo account was closed several years ago and in the fine print of the bonus requirements it clearly states the following : You are not eligible for this offer if : You are a current primary owner of a Wells Fargo consumer checking account. The primary account owner is the owner whose Taxpayer Identification Number, such as a Social Security Number, is assigned to the account and has tax responsibility. 
You have received a bonus for opening a Wells Fargo consumer checking account within the past 12 months. 
You are a Wells Fargo employee. 
Now, I was not a current owner a Wells Fargo checking account, have not receive a bonus in the past 12 months, and I am not a Wells Fargo employee. 

This is deceitful practice and I have screenshot confirmations of this bank stating my account is eligible for this bonus only to switch up last minute, I escalated this issue and was not helped any further.
Product: Student loan

Navient is attempting to extort me with a very XXXX conduct regarding claiming that I owe a debt to them that I have NEVER signed ANY agreement, or documentation for with them, and they are also, In violation of the F.C.R.A. Nor can they provide ANY document that I signed with their organization in addition to not knowing who they are. I have NEVER had any private student loan whatsoever from them, or with this organization!
Product: Credit reporting

YET AGAIN EXPERIAN HAVE FAIL TO PROVIDE ME WITH A COPY OF ANY EVIDENCE SUBMITTED BY XXXX.BE ADVISE THAT THE DESCRIPTION OF THE PROCEDURE USED TO DETERMINE THE ACCURACY AND COMPLETENESS OF THE INFORMATION WAS HEREBY REQUESTED, TO BE PROVIDED.AN EMPLOYEE LOOKING AT THEIR COMPUTER SCREEN, SEEING MY NAME LISTED IN THEIR DATABASE IS NOT VERIFICATION OR VALIDATION OF ANY ALLEGED ACCOUNT. THE SAME ACCOUNT IS ON MY REPORT XXXX TIMES. ENCLOSE IS PROOF OF IT SAME ACCOUNT NUMBERS AND EVER THING HOW CAN THEY DO THAT AND GET AWAY WITH IT.
Product: Credit reporting, credit repair services, or other personal consumer reports

National Credit Systems persists, after several years, to erroneously report fraudulent information provided by a landlord. Regardless of documented proof, co refuses to address matter. Have made multiple attempts to resolve via phone and mail, just do n't have time to go to court over {$130.00} -- but this unwarranted black mark has had, and continues to have, a substantial impact on my finances.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this follow up complaint to the Experian, XXXX and XXXX Credit Bureaus today to remind them to remove the fraudulent inquiries in my report and along with this was my identity theft report that I filed through FEDERAL TRADE COMMISION and Per FCRA section 605b Credit Reporting Agencies are required to remove any inquiries listed on an id theft report. Please find the ATTACHED documents to assist in the blocking and removing of the erroneous information which was being posted to my reports. Here is the list of inquiries which do not belong to me or were opened without my permission, that needed the Bureaus immediate attention : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

After having disputed incorrect late payments on my XXXX XXXX XXXX  account with equifax twice and no resolve, I disputed again with full documentation on my end as well as a request for proof of all late payments. Equifax continues to respond within the same day not having done proper investigation and not correcting the clearly inaccurate payment status. I have statements to show payments were on time
Product: Credit reporting or other personal consumer reports

Pursuant to 15 USC 1681 ( a ) ( 1 ) - the banking system is dependent upon my consumer reports being fair and accurate to me. XXXX and Experian continues to report a bankruptcy on my credit report when I have disputed and sent them proof several times from XXXX XXXX that they were unable to verify the accuracy of the bankruptcy and has removed it from my report. I just recently obtained documentation from the United States Bankruptcy Court as well that sates they do not report any information to the credit bureaus and is not responsible for verifying or validating information from consumers ' credit files. Experian and XXXX has both sent me letters stating that they reached out to the Court and the information came back verified which is a total lie considering their response. I don't understand why they continue to tell me that it has been verified as accurate. Pursuant to 15 USC 1681 ( a ) ( 2 ) - this careless mishap that these companies have caused has ruined my reputation and has adversely affected my creditworthiness. I am being denied credit because of their grave errors which has caused me XXXX  XXXX and XXXX. 

I demand that this information be removed from my credit report immediately and once removed that it does not show back up on my credit report.
Product: Checking or savings account

Chime Capital, LLC, and its compliant banking partner The XXXX XXXX XXXX have suspended my checking account with no advance notice. Multiple attempts to reach out to Chime 's support staff, by both email and phone, have proved fruitless. This " bank '' refuses to respond to emails and refuses to raise account restrictions. The listed reason for the account restriction is a " rapid withdrawal '' of {$5000.00}. What a ridiculous company that withholds its members ' money and payroll deposits and refuses to reply to customer complaints. A BANK 'S NUMBER ONE PRIORITY IS ALLOWING ITS CUSTOMERS TO ACCESS THEIR FUNDS. What an embarrassment.
Product: Credit reporting or other personal consumer reports

They are reporting false derogatory information on my credit report. Running me from starting any credit at all from anyone.
Product: Debt collection

On the first note I had rented an apartment with XXXX XXXX, with several roommates, went to court and I was left paying out money but it was stated that once the balance was paid in full they names would be in the clear as well, but the made no attempt to pay. 2nd there is a XXXX XXXX account in my name but it 's in IOWA, different social security number, address etc. ( 3 ) The apartment XXXX rented with them again roommates and now my credit is runied. Just runied I need help
Product: Student loan

I took out Stafford Subsidized, Stafford Unsubsidized and XXXX PLUS loans in spring XX/XX/XXXX to pay for my XXXX XXXX degree at the XXXX XXXX XXXX XXXX, University XXXX XXXX. I 'm an American citizen who has established residency here in the XXXX. I began paying the loans off in XX/XX/XXXX to XXXX XXXX.I called each month to make my loan payment as I use a debit card attached to my XXXX bank account. My loans were transferred to Navient and I carried on calling each month to make payments from my XXXX bank account. I have never been late to pay my loan and there have never been any issues paying with a XXXX debit card. I called Navient on XX/XX/XXXX to pay my XX/XX/XXXX bill and my payment was declined. I verified with my XXXX bank XXXX on XX/XX/XXXX that they had n't declined the payment due to fraud. This was confirmed and I called Navient on XX/XX/XXXX to try to pay my bill again. After speaking with three different customer service representatives and being on hold for close to 50 minutes, I was told that changes to their systems to prevent customers from paying with credit cards was impacting on my payment being processed. I provided the name of the bank and bank account attached to my debit card. This worked and I received a payment confirmation via email. I also received email confirmation that payment had posted on XX/XX/XXXX. Checking my XXXX bank account, the {$500.00} payment had not left my account between XX/XX/XXXX and XX/XX/XXXX. Upon logging into my Navient account online XX/XX/XXXX, it listed that my payment was outstanding. I called Navient on the evening of XX/XX/XXXX and was told that I 'd been sent a message explaining that the payment had been reversed. I never received a message to my email account or Navient message center when I logged into my account online. I was told that Navient would no longer accept debit payments from non-U.S. bank accounts. This was the first time that I was given this information. I never received anything in writing and have not found any information about this change published on their website. I do not use a U.S. bank account as I 'm in full-time employment in the XXXX XXXX. I have been told that the ways to pay going forward will have to be by international money order in U.S. currency drawn on a U.S. Bank, payment made from a U.S. currency account, SWIFT or wire transfer ( which have associated fees ), XXXX XXXX money order ( which also have associated fees ), and internal money transfers that pays out in U.S. currency. Their website does n't specify that non-U.S. debit cards will no longer be accepted. I 've been a told a fax from my UK bank account confirming that my debit card is indeed a debit card and not a credit card may suffice, but I keep getting conflicting information it appears that their systems do n't recognise my XXXX debit card as a debit card as it 's not attached to a U.S. bank  account.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and as a result, fraudulent inquiries have appeared on my credit report. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following fraudulent inquiries be blocked and deleted from my credit report : Fraudulent Inquiries to Be Blocked and Deleted : XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/2020 I called Capital One at XXXX and requested to speak with an account manager. XXXX I.D. # XXXX   identified herself. I explained to her, very kindly and politely, that the school that my wife worked for was closed due to the COVID-19 government mandatory Stay at Home order and therefore her income was severed and basically ended. Because of this, her credit card payment was short. Capital One charged her an interest fee of {$35.00}. I kindly requested if they would please waive the interest due to the fact that my wife 's hands were basically tied because of no fault of her own. XXXX answered unmercifully - NO Capital One will not waive interest due to COVID-19. XXXX stated very clearly to me that Capital One 's policy when it comes to the pandemic is absolutely no interest forgiveness. I explained to XXXX that it was not fair for Capital One to be playing hardball at this time because in actuality the bank was taking advantage of the situation of people having zero income and yet the bank still charging the high-interest rates. The truth is that in all honesty, the original terms of the credit card agreement should be null and void because at the time of the original agreement there was no such thing as COVID-19 and the Stay-Home-Order and therefore nobody could have foreseen this coming.
Product: Debt collection

As of XXXX, this company is calling me and asking for a debt ( from a decade ago, when I was a minor ) that I do not owe as I paid it off years ago. They are calling me repeatedly and not giving much information other than the amount of the supposed " debt '' ( thousands of dollars, which is n't remotely near the original debt ). I 've asked them to prove that the debt is owed, and they sent me an email. I mailed them a debt validation request to which they have not responded. Instead, they just keep calling. 

They are called Miller Stark Klein and Associates. It 's the belief of me ( and hundreds of others, per my research ) that they are illegitimate. Most of their positive reviews seem to be made up. I do n't understand how they are allowed to remain in business considering that they are threatening people with legal action without having even sent anything in the mail. 

Although XXXX the company name returns an address and phone number, XXXX the address does NOT turn up their company name, and XXXX the phone number turns up mostly consumer complaints. 

A XXXX search shows that this company has the same complaint from other consumers, and numerous BBB complaints. Not sure how they are allowed to remain in business. I worry too that they 'll just sell off my information to another shady or fake " debt collector, '' and the cycle will continue. 

Here 's one source of complaints : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX
Product: Checking or savings account

I applied for a Citi Priority account on XX/XX/18. I received confirmation of my account number XXXX the same day. I received a letter dated XX/XX/18 that my account is open. I received a second letter dated XX/XX/18 that my account is closed because they couldn't verify my information. 

How does this make sense? Did Citibank approve my account without verifying my information? Or did they approve my account then changed their minds. This is the second time I've tried opening an account. The first was denied proactively for the same reason. Before, they didn't give me the opportunity to verify my information. Now they seem to be messing with me again. 

I have already received my welcome package of checks, ATM card, and PIN number.
Product: Debt collection

Attached are the accounts that you verified that I owe. I have been asking for a contract with your company bearing my signature. Or a contract with the original creditor bearing my signature. As I have told the original creditors that I am a victim of identity theft as I will also attached a police report. As you are reporting it as bad debt on all the credit bureaus. I want you to furnish a contract bearing my signature or receipt that I have used the card or the accounts that you said is mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like Im being ignored of my disputes. Section 611 ( a ) it is a plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Debt collection

I am writing to formally demand that Midland Credit Management , Inc cease and desist all collection activities and communication with regard to the above-referenced account, effective immediately. 

Under the Fair Debt Collection Practices Act ( FDCPA ), Section 805 ( c ) ( 15 U.S.C. 1692c ( c ) ), I have the right to request that you cease communication regarding this matter. I am hereby exercising that right, and I expect your full compliance with my request. 

I also reference XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ), and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), which affirm that a debt collector must comply with the FDCPA, including ceasing collection activities upon receiving an explicit request from a consumer. 

Failure to comply with this cease and desist request will leave me no choice but to pursue all available remedies, including statutory damages of up to {$1000.00} and compensation for any actual damages incurred due to your noncompliance. That said, I trust Midland Credit Management , Inc will uphold the law and operate in good faith and with clean hands in resolving this matter. 

Please confirm in writing that all collection activities regarding this account will be halted immediately.
Product: Credit reporting or other personal consumer reports

Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

This is my XXXX 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 alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to resolve an issue with Equifax for a coupe of years now. I even contacted you guys ( case # XXXX ).  XXXX XXXX 's Hospital, doctor, ambulance, etc is still reporting on my credit. Also XXXX XXXX XXXX. Every time I file a dispute they want me to send my Identification thru mail. I am SICK of mailing my DL and SS info to these people. PLEASE HELP!!! My XXXX is Over 100 points higher than Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was opened in XX/XX/XXXX and closed in XXXX. This surpasses the statue of limitations for reporting to credit bureaus
Product: Checking or savings account

I was charged XXXX on my debit card from a hotel I never stayed at.
Product: Credit card or prepaid card

Today, XX/XX/2019, I went to Macys and tried to make a purchase. I was informed that my store card was no longer valid because I was upgraded to a combo Macys & XXXX XXXX card. I had been sent an offer and never responded, not knowing ( as customer service told me today ) that it was an opt out option. 
I never wanted the combo and never agreed to it. 
I believe this is not right. I should not have to respond to unwanted and I requested offers. It felt coercive. 
Now, I have to apply for a new store card! How maddening and time wasting is this. 
Please look into Macys policy of offering upgrades. 
Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and im submitting this complaint myself and there is no third party involved. 

I XXXX XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan had my federal rights violated on XX/XX/2021 I noticed an error on my credit report from XXXX XXXX XXXX XXXX XXXX XXXX violated 15 USC 1681 ( c ) and 15 USC 1611 ( 1 ). XXXX XXXX XXXX XXXX. XXXX adverse actions taken against me denying my rights, of which the civil damages pursuant to 15 USC 1681 ( c ) are up to {$1000.00} and 15 USC 1611 ( 1 ) are up to {$5000.00}. XXXX XXXX XXXX  XXXX XXXX  is now civilly liable to pay me for the damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried disputing a fraudulent account not just opened up by someone else but also reporting incorrect information. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. To get technical, re-aging is an illegal act due to FCRA Section 623 ( 5 ) ( A ). This law states : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action.