23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Subject - Complaint about recent Home loan application and discriminatory experience I am writing this letter about my complaint to Chase Home Lending Department related to my recent interaction with Chase Home Lending team. I would appreciate if someone can review this situation and respond to me as I feel this as discrimination based on my immigration status. I have never had this kind of experience from any other major bank or even Chase before. I have been Chase customer for a long time and never expected such behavior from Chase when it comes to one of most important decision in my life of buying a new home. 
About a month back, I was in market to purchase my first new home. On XX/XX/2019, I contacted Chase for getting initial quote for mortgage. They were able to get all details, work with me for couple of days on quote and when it came to finalizing application, they backed out saying they can not take my application because I am on a XXXX. This is exactly what bank agent told me on phone on XX/XX/2019. I was shocked by this decision and asked if they saw anything odd with my application. Chase representative on phone talked to someone ( may be his supervisor ) and said they will not take my application for mortgage due to XXXX. I have never experienced such discriminatory behavior in my last 13-14 years in USA. I work on XXXX XXXX and have been in USA for about past 14 years. I have best credit score, good employment history, enough income and had past relationship with Chase. I am just not sure if this is new Chase policy and how this will take them to being top player in this 21st century. I immediately took my business elsewhere and recently closed on my first house with one of other major bank. I did inquire with couple of banks on such policy of not giving loans to long term immigrants with XXXX XXXX and no one has any such policy. I even checked in my friend circle at work and no one has heard of this and were shocked with my experience with Chase. Not sure where Chase is moving with such discriminatory policies. 
I am just very sad to experience this with Chase of which I was thinking very highly until few days back. We do want to hear back and see the response on behalf of hardworking immigration community in USA. First home is always emotional subject and unfortunately, I do not have good memories for Chase with it in my books.
Product: Debt collection

Contacted them multiple times about debt validation and have yet to receive anything. It's impossible to reach anyone on the number listed on their website. According to XXXX XXXX the highest balance is less than the current balance but I've yet to make a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having a difficult time getting Experian to remove an account that they are inaccurately reporting. I have sent many dispute letters to the point of no avail. They are reporting that the account XXXX XXXX XXXX XXXX XXXX was late 4 times and eventually charged off. This is not true. The account was never charged off and I have contacted the company to ask for the 1099c form and to see what company it was sold to and they reassured me that the account was closed and not sold. During 2020, I was on deferment due to XXXX so there should be no late payments according to the FCRA. Also, both XXXX and XXXX are not reporting this account so there is no way that Experian is in compliance. I am asking that Experian removes the account from my credit report or update the account to paid as agreed never late, removing all late payments for their negligence. I am aware that I can be compensated up to {$1000.00} per violation, but at this time I am only interested in the deletion of the inaccurate information to reflect my true credit profile as this is causing me extreme distress. I do look forward to a response within 15 days.
Product: Debt collection

I am disputing the inaccurate reporting of a late payment on my account. Upon contacting, I talked to someone within the company to confirm the documents had been received and they informed me that they never receive documents from the CFPB. XXXXXXXX XXXX XXXXXXXX .... has acknowledged the error in recording the payment and has since rectified the issue, with the account now reflecting closure and a clean payment history. The account must reflect closed/never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've called Synchrony numerous times, regarding a credit inquiry on my XXXX credit report, XX/XX/2018, regarding XXXX XXXX XXXX. I then asked under fair consumer law section 604, please provide me information of my signature consent to have my credit looked into. Wheres the application with signature? 

I was made aware that SYNCB has no contract with this company, and such application exists from me. This info was made clear on a recorded conversation that they recorded and so did I. 
I asked for it to be removed this inquiry is false, they would not comply nor provide the accurate documentation proven that I agreed to this inquiry. I wish this to be removed right away.
Product: Prepaid card

American Express cards do not work online. It's the year 2024 and American Express produces and distributes gift cards that can not be used on the internet. Again : it is 2024. American Express produces gift cards that can not be used on the internet. This is a massive scam. Think about how much money American Express is collecting from those who end up not using the balance on their PREPAID cards. American Express declines online purchases with their gift cards so they can keep the money their victims are unable to spend. In the year 2024. Why haven't the lawyers jumped on this yet?
Product: Bank account or service

I suspect PNC processed my transactions in such a way as to generate overdraft fees. They will continue ripping off their customers until authorities do something. Penalties for overdraft are abusive, at {$36.00} / item. This bank collected {$140.00} in fees after putting my account into overdraft, and charged me {$36.00} for a {$10.00} transaction. Had the transaction been processed in the order they 're received there would n't be a fee. How are these banks allowed to get away with this? Please let me know how I can participate in the next lawsuit.
Product: Debt collection

The service provided on XX/XX/XXXX in response to a XXXX XXXX XXXX XXXX XXXX I experienced while shopping at XXXX in XXXX XXXX, SD. The service provided met my needs and the attention provided was appreciated at my time of need. The dispute is based on the lack of process in billing my insurance provider for the services. On several occasions I have provided my insurance information and to my knowledge no attempt to bill XXXX XXXX has been attempted. We have seen no Explanation of Benefits to indicate that the claim has been initiated let alone denied. 

I have documentation of calls after the initial billing with XXXX XXXXXXXX XXXX XXXX of {$1500.00}. After numerous conversations it was clear that there were issues on billings by the ambulance company. In addition, XXXX XXXX indicated at the time of discharge that the insurance information was available to them as a provider of service. To be clear my insurance covers ambulance services up to 85 % following the deductible. I formally requested any documentation that they may have that the insurance denied this service two times as indicated to me on the phone on XX/XX/XXXX. I received no proof. 

In the absence of the denied billing as communicated we will have to make the assumption that this was a billing practice that circumvented the process that would of allowed me to receive the negotiated allowance for services and the payment of benefit of provided by my insurance, in addition being past the time that I could of used any of my HSA flex benefits. We formally requested that the collection be cancelled due to the flawed billings process administered by the ambulance company. In lieu of working together to get this resolved, they simply turned it over to a collections agency, Credit Management Company. This practice caused damage to my nearly flawless credit rating. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Management Company XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Product: Money transfer, virtual currency, or money service

Since XXXX the XXXX, I have been doing wires to the same company " XXXX XXXX '' for about XXXX, I can't more daily because of citi bank policy that if you pay more for the XXXX  XXXX, only then you can wire more money, but that's not the real problem. 
The real problem is that after my first wire on the XXXX, every time I tried the same wire for the amount, to the same company, I started to get issues with citi with my wire on hold without any explanation, so I call them and I had to wait for an hour, whereas I gave all the info, very slowly and annoying and security questions, to finally my wire get released on the XXXX of XXXX. 

Then everyday has been the same, the put on hold my wire without explanation, I told them that I already did many times exactly the same wire, and they still makes very annoying and difficult to get out my money from them, and that can not be, what I do with my money is my own concern and I never had that issue with any bank but citi. And today it was enough, I did again the anoyying process of waiting XXXX hours and the security questions, and the person there, who barely speak XXXX, just denied my wire and of course I could try again today because I already lost my daily wire limit. 

This is not acceptable, if I want to access my money, I should be, citi bank doesn't own my money, I'm the owner of my money. 

Thank you.
Product: Debt collection

Money was garnished over the last 4 months XXXX XXXX, from my payroll check from an alleged debt from XX/XX/XXXX. Approximately {$4500.00} has been taken. I am a consumer and natural person pursuant to 15 U.S.C. 1692a ( 3 ) and also the creditor pursuant to 15 U.S.C. 1692a ( 4 ). This information was sent by certified mail and my finances have not been returned to me in pursuant to 15 U.S.C. 1692. The date of the alleged debt is well past 10 years pursuant to 15 U.S.C 1692a ( 5 ). My company was contacted and instructed to garnish and send my finances to an individual named XXXX XXXX XXXX, court officer of the Superior Court of New Jersey, Special Civil Part XXXX County of XXXX. This is against 15 U.S.C. 1692e ( 9 ).
Product: Debt collection

15 U.S. Code $ 1681c-2a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt. It has been over 30 days ( about 4 and a half weeks ) and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!! Under, 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 : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my right as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed immediately.
Product: Money transfer, virtual currency, or money service

The cash app, owned and operated by square cash in XXXX XXXX, CA. closed my cash app account without prior warning and didnt provide me with a reason other than the ambiguous, intentionally vague violation of cash app terms of service. 

I have repeatedly asked customer support to detail which term my account violated and they have refused to do so. They closed my account which caused financial loss for me. I was unable to use the stored balance to pay bills that were due and I was charged {$100.00} of late fees across various accounts.
Product: Credit reporting or other personal consumer reports

I found that XXXX XXXX XXXX is reporting on my credit report without my prior consent or knowledge. My personal information has already been compromised and used without my consent, making me a victim of identity theft. I did my own investigation and discovered that the identity thief has compromised this account. This account also includes information I do not recognize and other information that is to be excluded under the FCRA. I know that using a person 's identifying information without consent is identity theft under Federal Law. Therefore, I want the account and associated information to be permanently deleted from Equifax. I also never gave written consent to XXXX XXXX XXXX to furnish, share, sell, or transfer my personal information. XXXX XXXX XXXX is sharing my nonpublic personal information unlawfully. I am contacting all agencies to report the criminal activity and to have the account information permanently deleted from my credit reports.I have included an law enforcement report and I am exercising my right under Section 605B of the FCRA to block the account information within 4 business days.
Product: Debt collection

I received a letter on XX/XX/21 from TransWorld Systems , Inc., claiming they were trying to collect a debt for {$1100.00} for XXXX XXXX XXXX XXXX XXXX. The letter was dated XX/XX/21. 

This is the first time I have ever heard of this debt, and I certainly do not owe XXXX any money. 

I have written a debt validation letter to TransWorld which I will mail on XX/XX/21. 

I plan on filing a police report in XXXX, PA, claiming fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

In XXXX I discovered that there were charges on my report that did not belong to me. They are listed as follows : XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX  {$770.00} XXXX XXXX {$0.00} I have notified the reporting agencies of the incident. I have filed a report with Identitytheft.gov, and have filed a police report. 

I have also requested to have the information blocked, to no avail. The next step is litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX ( regarding inquiry dated XX/XX/XXXX and XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( regarding inquiry dated XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( regarding inquiry dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( regarding inquiry dated XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( regarding inquiry dated XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( regarding inquiry dated XX/XX/XXXX and XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( regarding inquiry dated XX/XX/XXXX and XX/XX/XXXX ), XXXX XXXX XXXX ( regarding inquiry dated XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX ( regarding inquiry dated XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( regarding inquiry dated XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( regarding inquiry dated XX/XX/XXXX ), XXXX XXXX XXXX ( regarding inquiry dated XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( regarding inquiry dated XX/XX/XXXX ), XXXX XXXX  ( regarding inquiry dated XX/XX/XXXX ) and XXXX XXXX XXXX XXXX  ( regarding inquiry dated XX/XX/XXXX ) Inquiries are not mine. Please remove from my credit profile.
Product: Checking or savings account

I was charged {$400.00} in " overdraft '' fees this past week which will cause more overdraft from another auto payment. I was charged multiple times for the same transaction, twice. One of the transactions was not authorized and was charged two times for that transaction. Customer service stated to me that it " was not their problem and we do not reverse any fees '' whether right or wrong. I believe this is bad business practice and is over excessive getting charged {$180.00} for a {$30.00} transaction that I did not authorize. I believe this bank preys on their customers with fees and something needs to be done.
Product: Credit reporting or other personal consumer reports

Upon reviewed my credit report from my Files, I noticed that the report has a hard credit inquiries that I did NOT AUTHORIZED nor Recognize. ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). 
I have Not given permission to anyone in the institution to pull my Credit file regarding this XXXX XXXX bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$170000.00}, and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$570000.00}.
Product: Debt collection

This was on my account while I was out of country. I was not living in USA at the time the debt was created or occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 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. XXXX XXXX XXXX Account # : XXXX. As well violating 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate..
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to dispute the inaccurate information that's negatively impacted my credit score and the results came back as the negative items remaining on my credit score
Product: Credit reporting 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.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other advers
e item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I spoke with XXXX from XXXX XXXX. I was informed my vehicle was in repossession status and I had three options. XXXX. To refinance my loan XXXX. Sell the vehicle XXXX. Allow XXXX to repossess the vechicle. I knew with allowing XXXX to repossess the Vehicle that my credit score would be severely impacted. So, I applied to refinance my loan which due to XXXX  and the lack of work, my credit score was not in any shape for refinancing. Extremely overwhelmed, I called XXXX back the next day to work out a settlement deal that was more feasible for me. I only owed $ XXXX on my vehicle and knew there could be a payoff request I could make. XXXX offered to drop the amount to {$9300.00} and once payment was received by XXXX, XXXX agreed to settled the account. XXXX also agreed to send me a letter for the credit bureaus noting the account was paid in full, the account was in good standing and to remove any negative impact in which the account currently had off my credit reports. I received the letter from XXXX dated XX/XX/2022, which did not state the removal from my credit report. The letter I received stated nothing close to what was agreed upon. XXXX received my payment as promised and failed to comply with their agreement. Due to XXXX failing to comply with the agreement, it has been detrimental to my livelihood, causing me enormous levels of stress due to my credit report having such a large delinquent on it from XXXX. I have made several attempts to resolve this matter with XXXX but to no avail has it been rectified. XXXX  received payment as promise once we agreed to settle.
Product: Credit reporting

I obtained my free annual credit report online on XX/XX/2017. As of XX/XX/2017, a negative account is scheduled for deletion, I attempted to check and dispute online as of XXXX on XX/XX/2017 but was unable to do so, no matter what computer I used.
Product: Checking or savings account

I called USAA about my checking account. It was closed by them last year sometime. I called and asked for a general letter stating it was closed. The woman in the bank portion told me that they did not have such letter but then stated she reworded another form and would send it to me in my message box on the USAA website. It would take any where from 5 minutes to 2 hours. After 3 hours I called back. I was told there was no documentation in my folder nor any such form being sent out. Once again I was lied to and deceived by USAA. After all they stole my car and are ruining my credit score every month.