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

As a XXXX I went to Chase Bank to open a cheque XXXX account. Its promotional offer was that if I opened the XXXX account I would receive the {$100.00} credit to my account after ten successful transactions in the first 60 days. 

I opened the account on the XXXX of XX/XX/year> at the XXXX branch, Rhode Island & was served by XXXX XXXX on behalf of Chase Bank. 

I was told by XXXX XXXX XXXX Bank employee ) that the account would automatically be credited the {$100.00} & I didn't need to do anything other than make sure I met the qualifying transactions as the system automatically credits the money into the account. 

On the XXXX of XXXX whilst in another Chase branch the branch manager said they would follow up to see why the XXXX branch had not completed the set up of the account correctly to ensure the terms advertised were honored. 

Today I called the XXXX Chase branch & actually spoke to XXXX who at first dismissed knowing anything about any promotional offers with XXXX  account getting {$100.00} credit which is a national marketing campaign. It was clearly established that XXXX didnt do her role correctly in opening the XXXX cheque account & as a result didnt take ownership to fix it either. She advised I had to call the back end of the banking system to sort the matter out. 

So I called the number provided which is telephone banking & they advised I did meet all the qualifying details for the {$100.00} promotional offer on a new XXXX account & it was in FACT the branches responsibility to fix the error they made in the first instance. 

So I called XXXX back at the Chase XXXX branch only to be lied to again by XXXX that she could not do anything to now fix this mistake she did & nor could her manager. I made it clear to XXXX ( bank employee ) that its a breech of Banking consumer code to not fulfill the terms of the agreement. 

She could not have cared less nor apologised for not opening the account correctly in the first instance. She was rude, unhelpful & advised that it was my fault it didnt get processed which I fail to understand given its a internal bank function the bank agent who opens the account on behalf of the customer activates as the internal process for new accounts. 

Its is NOT the customers job to perform the banks job where it fails to deliver on what it advertises. As a XXXX  I dont appreciate being lied to, as a human being the entire lack of professionalism from the Chase XXXX branch XXXX XXXX XXXX XXXX Bank agent ) did not resolve this matter nor cared to even take accountable steps to correct the wrong they made. Which is illegal the wrong they made by not fulfilling the terms of the account opening promotional offering.
Product: Credit card or prepaid card

I have been a discovery customer for 3 years and during that time, I have enjoyed my experience with discovery credit card immensely. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have three late payments on the above referenced accounts from XX/XX/XXXX to XX/XX/XXXX. Since that time I have been an exceptional customer paying early every month because of my exceptional payment history over the last 3 years, I would like you to consider removing the negative payment from my credit report. At the time of the late payment, I was going through some financial struggles. I recently had a baby and not to long before that I had an accident at work leaving me with medical bills that I personally had to pay due to some misunderstanding between my employers insurance. At only XXXX  years of age I am only human, I am bound to make mistakes especially when it comes to finances and credit. I say that not to justify why my payments were late, but rather to show that the late payments is not a good indicator of my actual credit worthiness. I hope that you guys are willing to work with me on erasing these marks from my credit reports.I have been a very happy customer in the past and hope to continue a long relationship with my discovery credit card. With today 's credit industry so competitive, I know how important it is to maintain good relationships with customers. Discovery has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why discovery is heads above the rest. I look forward to your reply. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My wallet was stolen and an individual named XXXX XXXX tried to buy a car using my information as well as his. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, ran my credit through five different banks trying to get a loan for this individual without my consent or me being there on XX/XX/2022.
Product: Checking or savings account

I open an account in XXXX  and was explicitly told that regardless of balance that I would not incur any fees, as long as I had direct deposit set up for both checking and savings. Despite these reassurances, I was charged for six months unfairly. I attempted to bring this to Bank Of Americas attention And they refused to compensate me for the funds stolen from my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I wanted to apply for credit and I was denied. They told me that there was some collections on my account so I went to check my credit and dowloaded my report. I saw some fraudulent accounts on my credit profile and found out that I was a victim of identity theft. I have been trying to contact these companies and the 3 bureaus Experian, XXXX and XXXX and they have not removed the accounts. Today I have filed a identity theft report with the etc and I will be attaching the report to this online claim. XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX need to be deleted immediately.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these funds were unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to the scam. This lack of transparency and accountability is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

On this account ALLY FINANCIAL XXXX there To Whom It May Concern, First off, I would like to take this opportunity to thank you for the excellent service I have experienced as a consumer. I have been a very loyal consumer, and I am in need of your assistance. I am writing in regard to the above-referenced account and transactions. Somehow, someone illegally obtained my credit card information, thus delay in payment was caused by fraud. I always try my best to pay your company in time, but this time my payment was late by I am sincerely sorry for the delay in payment, and I apologize for any inconvenience or frustration this caused you. While I take full responsibility for my mistake, I would like to assure you that this was a last- time error on my part, and I ensure that this does not happen again. I would really appreciate if you would kindly understand my situation and excuse me for late payments ). I am asking your company for a goodwill request, please eliminate late payments ) with the credit bureau ( s ) by filling out Universal Data Form and faxing it to the credit bureau ( s ) that you report to.
Product: Checking or savings account

On XX/XX/XXXX, I bought an XXXX XXXX from XXXX. On XX/XX/XXXX, just 2 days later, PayPal charged my bank account $ XXXX, from XXXX XXXX. On XX/XX/XXXX my bank account was charged over {$66.00} by PayPal from XXXX XXXX. Then, on the XXXX of each month I had a reoccurring charges of {$11.00} to my bank account by PayPal from XXXX XXXX, total of {$140.00}. I never dealt with XXXX XXXX nor gave XXXX XXXX my PayPal account. In the beginning of XXXX, XXXX, I filed dispute with PayPal over those charges. On XX/XX/XXXX, I've received an email from PayPal, stating, that my dispute was closed, based on the tracking number from merchant confirming that merchandise was received. When I called PayPal in regards of their statement, I was told it's an automatically generated message and reason for closing my dispute wasn't given to me.
Product: Credit reporting or other personal consumer reports

Notice to Agent is Notice to Principal, and Notice to Principal is Notice to Agent I previously submitted a dispute regarding inaccurate and incomplete information on my accounts : XXXX and XXXX As required under the Fair Credit Reporting Act ( FCRA ), when disputed information can not be verified, it must be deleted. 
Relevant Law : Under 15 U.S. Code 1681i ( a ) ( XXXX ) ( A ), if the completeness or accuracy of any information in a consumers file is disputed, the consumer reporting agency must conduct a reasonable reinvestigation of the disputed information. This investigation must be completed and the results reported within 30 days of receiving the consumers dispute, or the disputed information must be deleted from the consumers file. 
Furthermore, 15 U.S. Code 1681i ( a ) ( 5 ) ( A ) requires that if, after a reinvestigation, the disputed information is found to be inaccurate or incomplete, or if it can not be verified, the consumer reporting agency must delete or modify the information based on the results of the investigation. In particular, if the disputed information can no longer be verified, the consumer reporting agency must delete it from the consumers file. This is further supported by the ruling in XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( 2016 ), which clarified that if a furnisher can not verify the disputed information, the proper response is to delete it. I demand that you delete the disputed information from my credit report. I request that you update me with your findings in writing, including the actions you have taken to ensure the accuracy of the information, or confirm that the disputed information has been deleted from my file. 
Please be advised that if the information can not be verified in accordance with the laws outlined above, it must be removed from my credit report. I expect full compliance with the FCRA within the legally required time frame. 
Thank you for your prompt attention to this matter. 
Sincerely
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filled with every emotion! I am XXXX and sad at the same time! My initial response to the INACCURATE items on my credit report sent as stated in an earlier message on XXXX and I also sent another letter ( demand to comply ) on XXXX which was 45 days letter from the initial letter I sent. Today is XXXX Commonly by law, you should react inside 30 days. During these troublesome occasions, all of you have been given an augmentation which I comprehend. In any case, it has been well over the expansion period given. I have exhorted you on in excess of 3 distinct events. I am beginning to accept this is a slow down strategy on you folks ' end. I interest your organization eliminate this blunder from my credit report or face suit. In the event that you don't eliminate this mistaken data promptly I will record a formal complete with the FEDERAL TRADE COMMISSION! I am staying aware of the entirety of my records and types of correspondence with you on this issue simply if there should be an occurrence of documenting a grievance with the FTC on the off chance that you keep on choosing not to coordinate. In Wenger v. Trans Union Corp., No 95-6445 ( C.D.Cal.Nov. 14, 1995 ), you will be considered liable for your choice not to not consent. My family and I are being compelled to pay higher loan fees and denied by numerous organizations when attempting to buy important necessities to get by during this troublesome financial period. In the event that your next reaction to me is definitely not a unique application with my mark on it or a letter expressing that the deceptive data that is disregarding the Fair Credit Reporting Act isn't erased I will proceed with my FTC protest. As shown by the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by government law to affirm, through the real check of the principal stamped purchaser contract, all records that you post on a credit report. Else anyone paying for your specifying organizations could fax, mail, or email in a bogus record. I interest to see obvious proof ( i.e. : an exceptional buyer contract with my imprint on it ) that you have on the archive for the record recorded underneath. Also I will be contacting the Attorney General to help me assist with this matter along with seeking litigation.
Product: Student loan

My compliant is on MOHELA Loan provider. They are still accruing interest on my account after 180 days of being on the borrowers defense program. They also did not inform me that interest would start to accrue 1 month earlier than payments after the COVID payment pause. They didnt even notify payments were going to begin again let alone that interest would accrue a month before payments on XX/XX/2023. 

They also are capitalizing interest on my account. Which is causing interest to spiral out of control. I was under the assumption no interest can be capitalized onto my loans after the department of education states this in the borrowers defense guidelines. 


I also did not elect to be placed into a forbearance on my borrowers defense application. They informed me this was an administrative forbearance and interest would NOT accrue. This was because they placed me into the forbearance not me. However, interest has accrued and continues to accrue post 180 days after application submission.
Product: Payday loan, title loan, or personal loan

The company we applied for a loan for a car repair says that they havent received a payment for 45 days, at least, when we have made multiple payments. Its not being reported to my credit account and the payments are going through without fail. We have contacted XXXX XXXX XXXX ( which is owned by Duvera ) and told them this but in the past we were put on hold for up to three hours without being connected to someone and we hung up out of pure frustration. When last contacted we were told that the account is past due even when they had charged us the day they contacted us and days prior.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information reporting on my credit is inaccurate and I don't recognize any of these accounts. must be removed while I invest these account.
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 transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially having funds. I believe these transactions are unfair and request investigation into my account transactions.
Product: Debt collection

Midland credit constantly calls and send mail threatening to forward to a debt collection lawyer stating I can be sued
Product: Credit reporting, credit repair services, or other personal consumer reports

its asll on transunion on my credit I have never had XXXX or checking just please look at it I have never that XXXX on my credit is not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Experian has an very old account listed and showing on my credit report and profile that should have been removed over 10 years ago, this is the second account I've discovered & according to the FCRA, accounts showing and has reported inaccurate information for many years are to be removed immediately. I am requesting immediate removal of this account as the statue of limitation has expired on reporting and it is causing my credit profile too be risky to potential new lenders and also causing harm to my credit score by keeping it lower than it should be. As I have had ZERO derogatory, missing or late payments in almost 6 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated that my account was properly investigated, but how is that possible if the date last active is inaccurate, and the date last reported is not accurate. This is ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX, CT XXXX, USA using my backround check without my consent couldn't open bank account with them because of adverse action taken with XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint is regarding to Citibank unlawful report on discrepancy shown in my XXXX  credit portfolio of my husband Macys/DSNB credit card Account No : XXXX, Address ID : XXXX that I was only an authorized signer without being responsible toward it. Further, said account reported by Macys/DSNB and/or Citi bank Collection Dept on XX/XX/XXXX, exceeding over seven years reporting period. Pursuant to the agencies ruling policy it must be also deleted by XXXX, as done by other agencies. 

This account Owned by my husband XXXX XXXX, Birth XX/XX/XXXX & SSA # ending XXXX. I was an authorized signer and not the Owner or Cosigner. As an authorized signer who I never used this card to the best of my recollection, I am not responsible toward this account. XXXX  and Citibank presumed an unlawful action by registering triple times of my husbands store credit card as a Discrepancy on my credit portfolio that all must be deleted. 

Due to medical disorder my husband contacted Citibank recovery Dept & spoken with Citibanks manager, Ms. XXXX ( KY ), at ( XXXX ) XXXX. She removed XXXX  & XXXX, but XXXX  still pending for deletion. It caused for not being able obtaining loan and refinance high interest mortgage due to negative collection report. Further, I hereby elected my husband XXXX XXXX as an authorized person to act in my behalf with full Power of Attorney ( PO ) without any Limitation. 

I kindly requested for deletion of Discrepancy by Citibanks order to be performed by XXXX  is kindly requested urgently. Your truly- XXXX XXXX
Product: Debt collection

i never received any notice saying I hold {$14.00} after I paid the bill on full. there was no phone or letters. i need your help to removed this collection. thank. that is wrong charge
Product: Credit card or prepaid card

On XX/XX/2018 Mr. XXXX was denied a credit limit increase for reasons that were not relevant in XX/XX/2018 when a credit limit increase was approved and eventually granted. This is a direct violation of the Equal Credit Opportunity Act ( ECOA ) as stated by FDIC Compliance section IV 1.1 " A lender may not refuse to extend credit or use different standards in determining whether to extend credit. '' In XX/XX/2018 a credit limit was granted, in XX/XX/2018a credit limit was denied. Same credit reports, different results, different standards.I have attempted to resolve this with no resolution at the executive level. No success.
Product: Credit reporting or other personal consumer reports

You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, XXXX XXXX XXXX, XXXX  XXXX XXXX and Federal Trade Commission.
Product: Credit card

I have a credit card with Synchrony Bank which I've been unable to pay for a while due to financial hardship. I can't pay anything at all so I never tried to set up a payment plan because I can't afford even that. Now they have sent me a court notice demanding I contact their attorney within 28 days or there will be a default judgment against me. However when I call the attorney they don't answer or return calls. Therefore there is no way to comply with their demands and i will have a default judgment against me without a chance to defend myself! I think they are refusing to answer the phone for this very reason, to take advantage of that loophole in the court system to get that default judgment. Is there anything you can do to help? Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX ( Account # XXXX ) as shown on my credit report, is reporting 2 late payments via XXXX, Equifax XXXX and XXXX ; my account is on autopay and I have not paid late. This is inaccurate, determinantal, and in violation of my consumer rights. 

I have called XXXX XXXX XXXX XXXX XXXX, XXXX ( Account # XXXX ) as shown on my credit report, and they've acknowledged and confirmed a dispute will be filled internal and sent to all major credit bureaus however, this never occurred due to fact it is still on my credit report. 

This information is currently unfairly negatively impacting my personal credit limiting my ability to leverage financial tools to grow and expand my businesses/personal endeavors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$88.00} XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with XXXX XXXX  with a credit limit of XXXX my payment due date is the XXXX of every month. I made payment with representative on the XXXX of XX/XX/2022, I also reported my card lost on on XX/XX/2022 and they issued a new card that same day as I made my payment. XXXX XXXX canceled my payment of XXXX without my knowledge and reported 2x 30days late on my consumer report. I spoke to a representative and he admitted it was there fault but was nothing they couldn't do about it on there end. they suggested I dispute the 2x 30 days late with the credit reporting agencies myself. I would like the false 2x 30days late removed from my credit report immediately.