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

Company stated that they need to see the payment on transaction history however I provided pay stub checking number as well as information needed to verify that the fund should be in the account according to the accountant which is the sender that initiated the payment which is my employer. Manager refused to open up an insurance claim stated that he was the only manager in the office that was in control of the office then proceeded to send me to another manager that stated the same as far as their self being the authorized party to handle this concern. Company did not provide any verification to their claim however I had all the verification for my claim, including documents and pictures, And conversations and company as well as accountant personally.
Product: Debt collection

TO : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX ( XXXX ) XXXX REF : XXXX/XXXX  XXXX XXXX, Georgia AMOUNT : {$300.00} FROM : XXXX. XXXX XXXX, XXXX, XXXX, XXXX ( XXXX ). 
XXXX XXXX XXXX. XXXX, Georgia XXXX ( XXXX ) XXXX XXXX I have left several messages with no responses from this company. I have told this company this is not my account, and I dont have a clue where this originated from. I have sent them a police report to substantiated I had identity theft, and this is not my account. I need to hear their lousy excuse why are they making me suffer. I need for them make an informed decision regarding this claim that I owe this money. They can not!!! 
I am extremely distraught by this companys defilement of another Veteran credit report. I am open to communicating with you for this purpose, only! In order to make sure that I am not put at any disadvantage, in the interim, please consider this debt as being in dispute, not mine, and dialogue amongst us. The federal Fair Debt Collection Practices Act ( FDCPA ) offers consumers protection in contradiction of excessively antagonistic debt collection actions by collection agencies like yours.
This company has violated federal law in its dealings with me. Is it conceivable you could get your companies ( XXXX XXXX XXXX ) to remove this unlawful, and illegal stain off my credit report? In nearly 50 plus years dealing with any companies, I have never been so victimized  and wronged so severely about an account that is not mine. I have left several messages with no responses from your employees. I have told your company this is not my account, and I dont have a clue where this originated from. 
Your company has forced me to report you all to our government agencies, and I have given them revelations to your violations, using unfair, and illegal credit bureau reporting tactic regarding a debt that doesnt belong to me, sadly. I do not appreciate your process, and the way your company trying to strong arm me, and then have implemented a deceptively, quixotically, and unlawful assault on my character. 
This is a sneaky way to justify your company qualification without concrete evidence, and using deprived services ; I am writing today to complain of the unprofessional service I received in this un-forgetful process. I only wanted to get a V.A. Loan after I sacrificed my life for this country with honorably behavior. They have besmirched my character and knowing, I live in whole another county in Georgia.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove erroneous items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any item or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$470.00} ; XXXX XXXX XXXX Balance : {$5300.00} ; XXXX XXXXXXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX : {$13000.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXXXXXX Bankruptcy XXXX Date Filed/Reported XXXX XX/XX/XXXX
Product: Debt collection

I have been making regular payments to the Law office that now owns the debt, after an acceptable payment arrangement was agreed to in court. The last XXXX payments I made to them, I asked for a receipt of payment, along with a written statement of debt, and a remaining balance. After 6 months of attempting to receive that information from them, I sent a certified letter to the company, again asking for the information. The signed and received the letter, but never supplied the information I asked for. Along with the certified letter, I stated that according to my records, the debt should be completed, and I would not be sending any more payments if I did not hear from them with valid proof otherwise. Several months pass, and with no warning what-so-ever, I started getting garnishments from my pay-check at work. I am now STILL attempting to contact them over the phone, and have left numerous voicemail 's with no response. XXXX time, a young lady did answer, but after I said " XXXX '', to myself ( and under my breath ), she said she was terminating the call due to abusive language. I did n't even get an opportunity to discuss anything with her. I should have the right to discuss my " supposed '' debt with the agency that is now forcefully taking my money!
Product: Debt collection

On XX/XX/XXXX the collection company XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX tried to collect on a debt stating that I owed and had a balance of XXXX or XXXX. I informed them that my attorney is handling this debt since it was accident related. The representative named XXXX continued to call me and ask me for payment even after I told him I had retained counsel and she was going to pay him from the settlement money. My attorney reached out to the debt XXXX and informed them to not contact me. They continued to call me and also tried to give me a false amount to pay them when in fact their client already settled for a different amount. My attorney showed them the settlement letter for their client and they still tried to collect on a higher amount. They misrepresented the debt and also violated my rights by contacting me after I asked them not too.
Product: Checking or savings account

XXXX not verifying my information or the other person information while sending money through zelle
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiry listed on credit report from XX/XX/18. Do not recognize this company.
Product: Credit card

The purchase amount was {$610.00}, which was made with the merchant XXXX. When we arrived to said XXXX it was noticeably filthy with there being several cockroaches, stains, and dust all around the house, we attempted to get this resolved swiftly through the XXXX application seeing as how when we arrived to XXXX it was already XXXX XXXX. We gave support the proof that was and reasoning for the refund that was requested of us while also attempting to keep in touch with them and ask for frequent updates. We finally received a response from the support team at XXXX XXXX at night by which point we were already forced to purchase a replacement XXXX so that we could rest from a long day 's travel. We were deemed to not be eligible for a refund with the only reasoning being that there was no violation made. On XX/XX/year> I contacted XXXX support XXXX last time to attempt and receive a refund where they told me that I would be eligible for a refund if we arrived at the listing and it was messy or had pests which would make the listing in violation of their policy, but upon further inquire we were told that the evidence we provided wasnt sufficient enough to claim the home was messy. Whenever asking for the refund initially, XXXX support never informed us that our information was insufficient and if that was communicated with us we wouldve taken more photos. In response to this I contacted Capital One to file a dispute.
Product: Checking or savings account

On XX/XX/year> I opened a checking account with Wells Fargo. I signed up with a {$320.00} promotion that required me to receive to my account {$1000.00} via payroll direct deposit within 90 days. On XX/XX/year> I had received a total of XXXX via direct deposit. I waited the 90 day and a 30 day post period and still have not received my {$320.00} account bonus. 

Within 90 calendar days of account opening ( the " qualification period '' ), receive a total of {$1000.00} or more in qualifying electronic deposits to your new checking account. 
A qualifying electronic deposit is a deposit of funds, such as your salary, government benefit payment, or other income, that has posted to your account and is ( 1 ) a direct deposit made through the Automated Clearing House ( ACH ) network, ( 2 ) an instant payment processed through the RTP network ( real-time payment system ) or FedNowSM Service , or ( 3 ) an electronic credit from a third party service that facilitates payments to your debit card using the Visa or Mastercard network ( e.g. an Original Credit Transaction ). Transfers from one account to another, mobile deposits, XXXX, or deposits made at a branch or ATM are not considered a qualifying electronic deposit. 
An ACH direct deposit made available early with XXXX XXXX XXXX does not count toward the bonus requirements until it posts to your account and is no longer pending ( e.g. the pay date scheduled by your payor ). 

Bonus Payment : Once the 90-day qualification period has elapsed, we will determine if you have met the offer requirements, and will deposit any earned bonus into your new checking account within 30 days.

The new checking account must remain open throughout the 90-day qualification period and at the time we attempt to deposit any earned bonus payment. Please note that an account with a XXXX balance may be closed by us without prior notice, as further described in the Deposit Account Agreement. 
You are responsible for any federal, state, or local taxes due on the bonus and we will report as income to the tax authorities if required by applicable law. Consult your tax advisor.
Product: Credit card

Chase Bank Credit card had a promotion balance transfer. I used the card for a purchase XXXX the transfer. I paid the minimum monthly required for the balance transfer AND. paid addition to covert the purchased Plus the interest occurred from the day of the purchase. Payment was applied to the 0 % balance and NOT the 21 % purchase balance. was told it was on their descression. The purchase was occurring interest form the day of the purchase so by the CARD act any over payment should go to the higher balance. IT did NOT.
Product: Mortgage

When we encountered financial difficulties that we determined would make it impossible to continue paying our mortgage, we completed a XXXX application to request a loan modification from our lender. It was denied. Several months later we asked for approval for a short sale. Over the next 18 months we received XXXX offers, none of which was approved or rejected by the lender. Instead, the lender : & gt ; & gt ; Took at least a month to reply to each of our requests. 
& gt ; & gt ; Asked for the same information repeatedly, ostensibly because the information they had received was illegible or a month old ( therefore out-of-date ). 
. & gt ; & gt ; Did not return phone calls. 
& gt ; & gt ; Insisted that all communications must go through one person XXXX " single point of contact '' ), who was rarely available. 
& gt ; & gt ; Insisted that all updated materials go through the website, NOT to the " single point of contact. " & gt ; & gt ; Sent us loan modification offers, none of which was feasible, and none of which were requested. 
& gt ; & gt ; Closed the file in the midst of processing XXXX sales offer, necessitating that the process begin again from scratch. 

Ultimately our " single point of contact '' urged us to consider a deed-in-lieu of foreclosure. Once we agreed to consider that option, suddenly the process took off, being approved by the lender within the next six weeks. 

We do not feel that we have been well served by the lender, and instead that they never intended to help us with a short sale. We were strung along until we were in the position where we had to accept the DIL option. This will cause tax liability problems that we were trying to avoid.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX ChexSystems Consumer Relations XXXX XXXX XXXX XXXX, MN XXXX Subject : Update of Personal Information Dear Sir/Madam, I have recently moved and changed my phone number. I am writing to request an update to my personal information on my credit report. Please find below my updated details : XXXX XXXX : ** XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX -Address XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX : XXXX XXXX  XXXX XXXX, CA XXXX -Phone Number : XXXX XXXX ) XXXX -Phone Number : ( XXXX ) XXXX -Employer : XXXX XXXX XXXX XXXX -Email Address : XXXX **New Information : ** XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX -Phone Number : ( XXXX ) XXXX -Employer : XXXX XXXX XXXXEmail Address : XXXX Attached are copies of documents to verify my identity and the changes requested : Government Issued ID, Copy of SSN Card, Paystub, Water Bill, & FTC Report Please update your records accordingly and confirm that these changes have been made. If you need any additional information or documentation, do not hesitate to contact me at the phone number or email address listed above. 

Thank you for your attention to this matter. I look forward to your prompt confirmation of these updates. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX -SSN : XXXX -DL : XXXX -Issued : XX/XX/XXXX -Expires : XX/XX/XXXX -- -
Product: Credit reporting or other personal consumer reports

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant 15 USC 1681b 2. They also have no permission to report anything using my info pursuant to 15 USC 1681 4. I have disputed the account and would like to request that this account be removed from my credit report. 
Please investigate this matter and take the necessary steps to remove this account from my credit report.
Product: Credit card

I purchased a flight ticket on XXXX XXXX on XXXX and cancelled the purchase on the same day. Based on the company 's policy, I will get a full refund within XXXX business days. 

I don't see anything happened on my account a week after, so I contacted Chase Travel. The supervisor looked into this issue, and told me that they will expedite the refund via the dispute I filed on this transaction, and I will receive the credit within XXXX business days. I received a email from her as proof. 

Now it has been over 15 days since I cancelled the purchase, and nothing has happened on my account. The agent from card member department also told me that there is no note on the transaction I disputed, which means that the supervisor has lied to me. I tried to contact chase but they kept throwing me to other departments or cutting the line when I am waiting for their response.
Product: Debt collection

XXXX XXXX XXXX on XX/XX/XXXX This is an auto loan debt that was not mine. Someone by the name of XXXX XXXX used my name as a co-signer for an auto loan that I have no recollection of until recently when I was trying to repair my credit. Look at the original loan paper as well as the DMV paperwork and it will show that my name was not on that title or on that police report when this car was in a wreck sometime in XXXX. I did my investigation and that's what I found out from the XXXX XXXX police station. This was not a case that they can assist me with in filing an actual police report. I tried numerous times to get this off my credit report from all 3 credit bureaus but it is still there and ruining my credit. If they can't provide me with my name and signature on that loan and car title then please remove it off my credit report.
Product: Mortgage

The servicing of my account was transferred to Regions Mortgage in XXXX of 2016. They have not appropriated any of the XXXX payments to my mortgage correctly. They have cashed the checks on time on XXXX occasions. Proof of canceled checks are attached. The first month they actually provided me a refund for a double payment because i went onto their portal and made a payment to insure I would not be late. It took multiple phone calls submission of cancels checks and a couple of weeks to get remedied. They have since not recorded any of my other XXXX payments XXXX and XXXX although they have cashed my checks on time each billing cycle. I wish for Regions to take immediate action to remedy this to insure this is not effecting my credit as I am under contract to purchase a piece of real estate and will be applying for credit on Monday XXXX XXXX. I will not be able to do so with a blemish on my credit report. I look forward to an immediate resolve to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I requested card to be cancelled and I been calling to resolve the issue and they keep sending me here and there and say they can't find the account. They keep reporting it but not trying to resolve it.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached. Experian is reporting inaccurate information compared to the other consumer reporting agency. I have a the right to privacy according to law. Permissable purpose, I also did not give this company written instruction to furnish. Remove immediately.
Product: Checking or savings account

I received a notice that my bank, XXXX XXXX, is being merged with Eastern Bank. I received a notice that as of tomorrow XXXX, all records of my previous checks cashed or deposited will no longer be available. 

As a consumer that was " encouraged '' to sign up for on-line banking, losing this function and information impacts me directly as I am unable to access information that may prove that I have paid a bill or dispute a charge. This information should still be available regardless of who is now running the account.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

They keep calling me, and left this message Im Hi this is XXXX from XXXX XXXX I'm a debt collector ID number XXXX this is an attempt to collect a debt and any information obtained will be used for that purpose you can reach us at XXXX or chat with us online at XXXX XXXX paid COM Monday through Friday XXXX XXXX  to XXXX XXXX  Saturday XXXX XXXX  to XXXX XXXX  central time you can also use our secure payment portal at any time XXXX  again I'm a debt collector with XXXX XXXX and can be reached at XXXX if we have the wrong number please give us a call and let us know thank you I called back and told them I owe no money to no one, they told me they were looking for a XXXX, I told them I dont know a XXXX and have had this number for a number of years, now thy just called me again looking for a XXXX XXXX I also reported the call to the do no call registry. Please stop these predators. Thanks
Product: Credit card

Found several credit inquiries with my personal information over the span of approximately XXXX weeks, beginning on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Request for Certification of Accuracy of Information & Wet Signature of Application on Hard Inquiries. I have never authorized Inquries Account XXXX XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX The Federal Trade Commission ; The Consumer Financial Protection Bureau ; The Department of Justice I have never authorized the hard inquiries listed below, I need wet signature of application this is erroneous. And, I have never given consent or permission to report or share any information about me. Under the Gramm-Leach-Bliley Act ( 15 USC 6801-6802 ), I have not signed any consent form allowing my information to be disclosed to non-affiliated third parties, whether electronically or in writing, especially frivolous information. It is my understanding, my information is being shared illegally and under false pretenses. I will seek further actions against Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX  sold account to XXXX XXXX XXXX XXXX XXXX XXXX. Took legal action and served me with judgement. In XX/XX/2017 served Wells Fargo and took {$1200.00} out of my account. They still took action and took my daughters account at the XXXX XXXX XXXX XXXX  without serving me paper work till after it was taken out a week later then the bank. The still after multiple phone calls and nasty attitude they had went after a judgement while I was employed with XXXX XXXX XXXX XXXX and where taking XXXX every two week for four months. They have received more then the amount requested. Legal action is next step with this company
Product: Credit reporting, credit repair services, or other personal consumer reports

IQ INQUIRY I MOVED OUT OF RESIDENCE XX/XX/2021 UNDER AGREEMENT BY LAW. THERE WAS NO BALANCE DUE AN ACCOUNT WAS OPENED FRAUDULENT IN XX/XX/2021 I REQUESTED DOCUMENTS OF CONTRACT, SIGNATURES AND DISPUTED NO DOCUMENTS EVER WAS RECEIVED NOW STATUS IS IN COLLECTION. 
THIS IS AGAINST THE GUIDELINES ALSO XXXX IMPROPERLY SENT XXXX A INACCURATE CREDIT SCORE WHICH I WAS DENIED A ACCOUNT BECAUSE MY CREDIT SCORE IS XXXX NOT XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Received a text message on XX/XX/21 from business claiming to be Equifax as follows : < # > ; Someone Just Ran A Background-Check 0n You Through A EQUIFAX-Database. Find 0ut Who ; XXXX : XXXX Then on XX/XX/21 a text from someone claiming to be XXXX sent the following text : Re : XXXX Has Placed A Temporary Hold On Your File For Unusual Activity. Resolve This Issue Here : XXXX XXXX XXXX I did not open the link in message and have not sent money/gift cards to anyone. I simply want to let someone know that I received these messages but have not been able to speak to a customer service representative at either credit reporting bureau to have them check on these messages.