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

I was contacted by XXXX XXXX, a Relationship Banker at Chase, who informed me about a new branch opening in my area and a promotional offer for a {$300.00} bonus if I opened a checking account and made a direct deposit. I expressed concern about qualifying for the bonus due to my lack of employment or social security income. XXXX assured me that a direct deposit from an existing checking or brokerage account would meet the requirements. 

Following his advice, I opened a checking account at the new Chase branch and made an ACH deposit from my XXXX XXXX account. When I did not receive the bonus, XXXX suggested I try another deposit from my brokerage account, which I confirmed was also an ACH deposit. Despite following his instructions, I did not receive the bonus. 

After multiple attempts to contact XXXX, I discovered he no longer worked at the branch. I spoke with XXXX, the branch manager, who informed me that my deposits did not qualify for the bonus. I explained that XXXX 's misleading information led me to open the account under false pretenses. XXXX apologized and said she would submit a complaint. 

Subsequently, I was contacted and apologized to, but felt that an apology was insufficient given the time, effort, and financial inconvenience I experienced. I also contacted Chases fraud department, which referred my case to a review committee but did not provide a timeline or guarantee of feedback. I believe I was misled into opening the account and am seeking compensation for my time and financial losses, beyond just an apology. 

**Emails Summary : ** - **XX/XX/2024** : XXXX  introduced himself and provided contact information.

- **XX/XX/2024** : I asked XXXX  to verify if my XXXX XXXX deposit was an ACH, as required for the bonus.

- **XX/XX/2024** : XXXX  confirmed he would follow up on the bonus.

- **XX/XX/2024** : XXXX  noted the XXXX XXXX deposit had not worked and would investigate.

- **XX/XX/2024** : I inquired about the status, and XXXX  advised waiting for the next Tuesday.

- **XX/XX/2024** : I notified XXXX  that the bonus still hadnt appeared.

- **XX/XX/2024** : Following XXXX  advice, I made an ACH deposit from my brokerage account but still did not receive the bonus.

- **XX/XX/2024** : I requested an update on the bonus, but did not receive a response from XXXX.

Thank you for your attention to this matter.

-- - Let me know if you need any more adjustments or additional details!
Product: Debt collection

XXXX from National Check Resolution Inc. ( XXXX XXXX XXXX XXXX Georgia XXXX Phone : XXXX Fax : XXXX www.nationalcheckre.com ) left a voicemail on a third party ( a relative 's ) phone saying I have an unpaid balance with XXXX and stating that if I did not call them within 48 hours, that they will start a liability investigation on me and my company, leaving the case number and phone number. 

This is the SAME DAY as when they had contacted me via email with the boilerplate notification of said debt with the 30 day notice to dispute said debt. 

These practices of communicating private information run afoul of the FDCPA.
Product: Student loan

Dear CFPB, My name is XXXX XXXX XXXX, and my Navient account number is XXXX. 

I am writing to formally file a complaint against Navient for their failure to respond in a timely manner to my application for a student loan discharge based on school misconduct for my private loans with Navient where I was a victim of aggressive and deceptive loan recruitment and practices Background : - Loan Information : The loans in question were serviced by Navient. 
- Application for Discharge : I submitted my student loan discharge application due to school misconduct on XX/XX/2024. 
- Pending Response : Despite my efforts, I have not received any response or update from Navient regarding the status of my application. 

Specific Issues : 1. Lack of Communication : Navient has not provided any acknowledgment or update on my discharge application. 
2. Concerns About Loan Transfer : I recently received a notification that my loans are being transferred to XXXX. I am concerned that this transfer will impact the processing of my discharge application. 
XXXX. I have provided sufficient evidence of the school misconduct and explained that as per the holder rule in my contract with Navient the loan servicer Navient is also at Fault and my loans should be discharged and refunded Request for CFPB Assistance : I kindly request the CFPBs assistance in ensuring that Navient provides a timely response to my school misconduct student loan discharge application. I am seeking confirmation that my application is being processed and that the transfer of my loans to XXXX will not negatively impact the outcome of my discharge application. 

Your help in resolving this matter would be greatly appreciated, as the delay in processing my application is causing significant stress and uncertainty regarding my financial future. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

In XXXX, when I closed on my home, I was not informed that I was required to pay for the insurance premium upfront. At the time, paying the premium would not have been an issue. After several months, I received a letter that the premium needed to be paid for the insurance not to be canceled. I immediately called United Wholesale Mortgage to see what needed to be done and why the premium had not been paid. I was told that UWM needed to know where to send the payment and that it would be resolved. XXXX XXXX contacted UWM  on XX/XX/XXXX and XX/XX/XXXX requesting the payment. UWM never reached out to me to ask that I send the payment out of pocket. A couple of months later, I received another notice that the premium still had not been paid. Once again, I called UWM to see what was happening and even spent a couple of hours trying to get UWM, XXXX XXXX, and myself on a three-way call. After being unable to set up the call due to someone always disconnecting, I provided UWM with all the contact information for XXXX XXXX. I asked if there was anything else I needed to do to resolve this, and I was told by the UWM agent that there was no further action required on my part and that the matter would be resolved. Fast forward to XXXX, I received a notice that my mortgage payment would go up {$750.00} per month and that the first new payment was due in 15 days. I called UWM again to see what was happening and was informed that the insurance matter had not been resolved as I had been told. Instead, I was placed on forced insurance, which was a premium of around {$5400.00}, and backdated to XXXX. This resulted in a much higher mortgage payment. The quote I initially secured with XXXX XXXX went from {$1600.00} per year to {$3400.00} per year when I tried to reinstate my original quote. I am not sure why not a single person informed me that the initial payment was to be made by myself and not by escrow. If I had known this, I could have easily handled it right after closing. Now I am struggling to provide with a single income while my wife is a full-time student taking care of our XXXX son. Being a new parent is supposed to be an exciting time, but the stress of trying to get this resolved with minimal response and struggling to meet this new payment has taken a devastating toll on my family. I have submitted several requests to UWM to rectify the situation and have been stone-walled with multiple denials. They could not even find the courtesy to respond to my requests, and I have had to find out by calling for an update and requesting that the response letters be sent to me. This was not an instance of laziness on my part, but this situation would not have occurred if there had been better communication on behalf of the mortgage company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This matter is pertaining to Equifax. I have been a victim of identity theft and have taken all the necessary measures to clear my name including theft report file. Under the Fair Credit Reporting Act, information pertaining to fraud can be blocked at consumer request. I was told this by Equifax Fraud department. However, the following accounts is still showing on my file. Please assist me in resolving this matter CFPB. I am not the one who open the underlying accounts stated in this complaint.
Product: Credit reporting, credit repair services, 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. 

FOR XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or 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 has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX  XXXX XXXX XXXX and XXXX 's customer service representative.
Product: Money transfer, virtual currency, or money service

In XXXX XXXX i did a money transfer to XXXX from my debit card account. " Remitly '' this is the name of instituition, said my transfer was denied from my bank but they charged {$480.00} in the same day. The transaction was denied but i didnt receive my money back
Product: Debt collection

The following debt in collections is not mine Jefferson capital sy account # XXXX the signature on the original with XXXX XXXX does not match mine AT ALL as I was living in XXXX Colorado at the time and purchased items was in California. According to 15 U.S.C Sec. 1681 i ( a ) they must provide proof this account belongs to me or be deleted!
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts will get corrected. 
XXXX XXXX XXXX Balance : {$59000.00} DIGITAL EFCU XXXX Balance : {$17000.00}
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information that has been reported on my credit report by XXXX XXXX due to the absence of a Cancellation of Debt Form ( Form XXXX ). The lack of this form has caused inaccurate and misleading information to appear on my credit report, which has negatively impacted my XXXX XXXX and financial standing. 

According to my records, there should have been a Form XXXX issued to reflect the cancellation of this debt. However, I have not received this form, which makes the information being reported to the credit bureaus inaccurate. As a result, this has led to erroneous reporting that does not accurately reflect my financial situation.
Product: Credit card

Discover is running a promotion where they are giving 10 % cashback for all purchases made via Apple Pay in store until XXXX/XXXX/15. I have made numerous purchases using Apple Pay but discover has not honored many of the purchases because they added a clause several days into the promotion that says " gift cards are excluded. " To enforce this clause, they are now blanket rejecting many purchases above a certain amount and requiring customers to provide receipts to show whether the purchase is or is not a gift card purchase. No where in their terms of service does it state that customers need to retain receipts and then send them to Discover. 

This is a blatant attack on consumer privacy and has shifted the burden of proof to the consumer when it is the credit card company that should be the one verifying purchases. 

If Discover wants to exclude gift cards, they need to do it accurately and without requiring customer receipts to be sent to Discover.
Product: Credit card or prepaid card

After trying to use " XXXX '' to access my XXXX XXXX XXXX, I keep receiving a message as follows " XXXX is blocking you from enabling external applications ''. I can not access my account through Trim.com. After a call to XXXX to fix this problem to access my account, they were unable to fix the problem. After approximately 50 minutes on the telephone with XXXX and after speaking with 5 representatives, there is no resolution and XXXX can not access my card with XXXX. XXXX has not fixed this problem.
Product: Mortgage

We recently received a letter from Wells Fargo Bank dated XXXX/XXXX/16 from a XXXX XXXX, wherein Wells Fargo threatened immediate legal action to foreclose on my family 's home, without stating a specific date for proceeding with foreclosure action. 

Wells said they can not delay foreclosure action, but still refuse to give a date for beginning such action. It seems unfair to trap us into foreclosure or to trap us into a last second foreclosure by blindsiding us without a date specific with reasonable notice of at least 30-45 days. 
Wells say in their letter 'we can not delay potential legal action to collect the balance of your loan, which may include foreclosure ' For about six weeks or so, we have been asking Wells Fargo to supply us with a date when acceleration of a pre-foreclosure status and their threats of 'immediate forelosure ' in this case will proceed. 
We have a hardship 401 k loan available from the corporate administrator of my wife 's 401k account. She has been employed at The Gap for twenty two years. 
The IRS requires a date forward for XXXX to release our own dollars in our 401k account. 
Wells refuses to give us a date forward on the one hand, so we can access our 401k account to pay our mortgage and avoid foreclosure, but threatens us with immediate foreclosure action on the other hand, while still refusing to give us any date when such action may begin. 
This unfair entrapment by Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card with XXXX XXXX issued thru XXXX. 

I started to receive statements demanding a 99 membership fee - however, the credit card was never received. When I called the customer service dept- they stated that they will issue the credit card- it never came and of course i did not pay the membership fee. After several months I cancelled/closed the credit card - however the customer service department has lied to me and stated the there will be no credit reports with negative implications since this was not a purchase. They lied obviously as I have a negative report with XXXX
Product: Credit reporting or other personal consumer reports

Inaccurate information I am listing account below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. This company is reporting inaccurate high credit amounts, Last reporting dates, Date last Active, and Date of last payment. In pursuant to 15 U.S.C. 1681 Congressional Findings, The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX Debt Bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I received a text and email stating that I had created an account with Chime. I never authorized this so I called and they asked for my name, email, current address and last XXXX of social. The addresses didnt match so I gave him my XXXX prior addresses and it matched my XXXX address XXXX XXXX XXXX XXXX XXXX XXXXXXXX and I was told that this was the address used. Its weird because my email and phone number were used and I believe Chime themselves opened this account without my consent
Product: Debt collection

I do not recall receiving any notice of right to dispute or validation of debt. The Stillman Law Office filed court motions for a alleged credit debt sending only a statement. They then dismissed that case in XXXX of 2015, only to reopen to attempt to collect and gain more time for discovery. This office has been cited for multiple violations of Fair Credit Collections Acts.
Product: Credit card

I believe the account is invalid. CREDIT COLLECTIONS needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. CREDIT COLLECTIONS XXXX
Product: Credit reporting or other personal consumer reports

I was recently released from XXXX XXXX and I made a XXXX XXXX account and noticed a number of accounts that were not mine. I have been in and out of prison since XXXX ( being released most recently XXXX of XXXX with a 5 year sentence ) and was XXXX according to the dates the accounts were opened so I contacted all three bureaus verbally and in writing I submitted evidence of my XXXX, a police report, and an identity theft report, along with my ID showing I am indeed XXXX XXXX and that the dates of these accounts could not be mine due to my XXXX. I requested per 15 U.S. Code 1681c2 that the items be removed within 4 days and that the creditors be notified it was identity theft. They responded saying Valid. I then requested proof of the investigation because there is no way it was valid. I requested copies of applications, Identification, signatures and anything else associated with these accounts as well per 15 U.S. Code 1681d and was never responded to. 

The accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My Identity Theft Report reference number is XXXX My Police Report Tracking number is XXXX I also submitted the same items attached to this complaint via mail with my disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed. 
XXXX XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX