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

Chase is discriminated against my race. I came to the U.S in XXXX  from XXXX to study aboard. I was provided a social security number since I worked park time on campus. After that, my first XXXX XXXX account was opened with Chase. One day the bank chose to close my account without any reason. Since I only use the account receive pay checks from the school and paid for my food expenses, no illegal activities and fraud were involved. It has been 10 years and I became an U.S citizen now. I came to a Chase Branch to open a checking account with them. A banker said that I had been ban for life doing business with Chase. My XXXX  score is XXXX, and I have never been on any backlist. Im so disappointed the way Chase is handle its business with a hard working XXXX  like myself.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX and on XXXX XXXX I got paid also my money got took out my bank account by someone I didn't know are authorized them to not do.i paid some bills on that day and some of my money got took and transfer over to caspapp that day.the amount of XXXX $ cashapp saying I authorize that XXXX are someone to send my money to XXXX and to a place call XXXX I didn't authorize it someone open an application in my name and XXXX company call it fraud and stop the application I have sent cashapp documents and they will not investigate it just saying the case close because I did try to file a fraud on cashapp they want look at nothing I sent them documents and they just keep saying its my fault that this fraud happen.I don't have a chance to present proof to them cause they saying it's nothing they will do for me I think it is unfair to just say this fraudulent is my fault and didn't look into but a few minutes and sent me an email saying it's my fault. They got it from my XXXX XXXXXXXX bank they reimburse me cause I sent them documents thats proof and they seen it was fraudulent so they close the account and made funds permanently but cashapp want let me close the account cause they say I owe them XXXX $ from fraud activity that XXXX XXXX took back from them, it was XXXX $ the person did the fraud but cashapp got a percentage of the XXXX activity and saying I owe XXXX $ please help me resolve this matter through cashapp cause they want take no documents from me and they also said any suspicious email I get to send it in I did that and they still say isn't anything they can do. I will be sending these documents that shows the iphone went into my account and added they info to steal my information to do this fraudulent transaction and XXXX says it was suspicious, they hack my XXXX account, my XXXX, and my bank to transfer it ti cashapp cause they kno cashapp wouldn't do the work.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX an account from Procollect collection was added to my credit from XXXX XXXX XXXX XXXX in the amount of XXXX. My lease expired XX/XX/2019 and I moved out XX/XX/XXXX. I did not sign an extension ot renew my lease for these apartments and my rent was paid in full for the month of XXXX even though I moved early. I would like this collection to stop reporting to the bureaus and this account removed from my credit.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally complain against XXXX  XXXX regarding their failure to follow through on an agreed-upon goodwill deletion of late payment entries on my credit reports. Despite multiple attempts to resolve this issue, the incorrect information remains on all XXXX  XXXX  credit bureaus ( XXXX, TransUnion, and XXXX ). 

Background of the Issue I have been a loyal XXXX XXXX customer since XX/XX/XXXX and have consistently managed my credit responsibly. In XXXX, however, circumstances beyond my control led to XXXX late payments on my XXXX XXXX XXXX XXXX XXXX ( Account ending in XXXX ). These delays were the result of issues with payment distribution from my Debt Management program provider, XXXX XXXX XXXX. Additionally, one missed payment in XXXX was due to an XXXX XXXX XXXX XXXX XXXX 

In light of these extenuating circumstances, I reached out to XXXX XXXX on XX/XX/XXXX, requesting a goodwill adjustment to remove these late payments from my credit reports. I emphasized my long history of responsible financial management, my commitment to honoring my obligations by choosing a Debt Management program over bankruptcy, and the significant impact these late payments were having on my ability to secure a mortgage for my first home. 

XXXX XXXX acknowledged my request and agreed to facilitate the goodwill deletion as a gesture of goodwill. However, despite this agreement, the following late payments are still inaccurately reported on my credit reports : Inaccuracies Reported : 30 Days Late : XX/XX/XXXX on XXXX, TransUnion, and XXXX 60 Days Late : XX/XX/XXXX and XX/XX/XXXX on XXXX, TransUnion, and XXXX Attempts to Resolve the Issue Since receiving the goodwill adjustment agreement from XXXX  XXXX, I have made several follow-up attempts to ensure that the late payments are removed from my credit reports. Despite these efforts, the inaccuracies persist, causing significant harm to my credit score and overall financial standing. 

Impact of the Inaccuracies The failure to implement the agreed-upon goodwill deletion has resulted in considerable financial harm, including higher interest rates, denial of credit applications, and an overall negative impact on my creditworthiness. These inaccuracies are especially damaging as I am in the process of securing financing for my first home.
Product: Money transfer, virtual currency, or money service

In response to the complaint XX/XX/XXXX everything a representative said from citi bank said isn't not truth because on XX/XX/XXXX i made a phone call advise them that i suspected unauthorised online wire transfer on my account ending XXXX, I spoke with a gentleman he says that transaction will took 24 to 72 hours to be clear therefore I will fallow a claims in then less than 30 minutes passed i called again a lady answered me saying that unauthorised online wire transfer send hourly at the morning she let me recalled for you and follow a disputed I never heard from them they're staying on still unknown person did another 2 unauthorised transactions again by XX/XX/XXXX and XX/XX/XXXX a representative from citi bank said they will send a notice by mail never received, now they're tried to confuse me i recalled on XX/XX/XXXX that is true them fault and negligence of 3 unauthorised online wire transfer, no excuse i need and I want my money back to my account ending XXXX because I made a phone call on XX/XX/XXXX for the first transaction they waited for another 2 more therefore they bank errors no order alternative just refund me my money back please.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 

XXXX  XXXX Account # XXXX Bal : {$0.00}
Product: Credit reporting

My identity was stolen and is been really hard for me to correct all the errors in my credit report I have been writing letters and filling out complaints about this problem and I 'm still having problems due to inaccurate information on my report on XXXX of the credit bureaus Equifax and experian I also have a big issue with XXXX. because they check my credit very often for no reason and this affect my credit greatly. I 'm retiree receiving ssi and all my bills are pay by XXXX XXXX and the federal government, and I need all this information corrected and fixed so I can have some tipe of credit again, please I 'm asking for a full investigation on my on my credit file so all the issues can be solve appropriatly. Thanks for your time and have a great day.
Product: Debt collection

RPM has continued to harass me after i have asked them repeatedly to stop, the company bought a debt from another debt collector that is mine, the debt was fraudulent for an account i did not open, i advised the previous debt collection company off this and now this company, keeps trying to collect the debt i told them to stop calling and they have continued to call my house and harass me, the representatives have been nothing but rude, they have yelled at me they have hung up on me and have transferred me back and forth into circles.
Product: Checking or savings account

I've had numerous overdraft fees and recently had to pay XXXX charged off accounts that could have possibly been avoided. I've dealt with Navy Federal since @ 2017 and have had this happen on more than one occasion.
Product: Checking or savings account

I traveled to XXXX on XX/XX/2021. Communications in my family village are difficult ; I had no internet connection and unstable phone connection. Now that I have returned to the United States, I have been able to collect information that was not easily available to me while I was in XXXX, and which is directly relevant to my claim. 

To start at the beginning, on XX/XX/2021. SunTrust send a fraud alert to my email, but I could not access my email in XXXX. My young daughter was monitoring my email account in the United States and informed me via XXXX of the alert. I called my XXXXXXXX XXXX, who has helped me in many ways over the past seven years, including setting up my email account, and asked her to respond to SunTrust. I authorized her to access my email account and respond for me to inform SunTrust that this was fraudulent activity. She replied to the alert notification on XX/XX/2021. 

Despite that timely response, SunTrust continued to allow these fraudulent withdrawals, sometimes 10 in a single day. A cycle of this began, and notwithstanding our continued emails to SunTrust, we could not put an end to these transactions. In spite of my best efforts and those of my friends and family in the United States, before SunTrust froze my debit card, a total of XXXX had been fraudulently withdrawn from my account by an entity identified on my bank statement as XXXX XXXX. I also incurred over XXXX in overdraft fees, because the withdrawals continued to occur even after my account had been drained to XXXX 

Because of the severity of this situation and my inability to get it resolved, I returned as soon as I possibly could from XXXX. I visited the SunTrust branch in XXXX, Tennessee, along with my XXXXXXXX XXXX and initiated a claim. Upon the suggestion of the SunTrust banker I met with ( XXXX XXXX ), I filed a police report ( copy attached ) on XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Some of these items are more than 7 years old. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Account Opened Amount XXXX XXXX XXXX  XX/XX/XXXX {$2700.00} XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$2900.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$970.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$360.00} XXXX XXXX XXXX XX/XX/XXXX {$86.00} XXXX XXXX XX/XX/XXXX {$190.00} Hard Inquiries Credit Plus XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

XXXX is offered me a 90 day payoff option which I did. They sent me a letter letting me know the 90 day payoff was complete. They offered me to use XXXX dollars which I only used XXXX which i paid off. So that leaves XXXX to use which I dont want to use. Experian added this as debt that I owe. And have attached that amount to my debt. I explained this and gave them proof to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am faithfully paying the account with this company..Incorrect late payments on XX/XX/XXXXand XX/XX/2018, not 30 and 60 days late.. Please reverse the late payments, i have a good relationship with this company XXXX  XXXX
Product: Debt collection

I got a wage garnishment through work without being notified and I don't live in the state in which the company is based nor did they inform me that they were going to garnish my wages. The company that says that I owe them money is XXXX  XXXX  XXXX through Apex Servicing and I don't have any accounts with them.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately, I had a late payment on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments Ive attached a copy of my report to this complaint on the following dates ( XX/XX/year> ) I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Debt collection

This company illegally sent out personal information to more than one family member including my debt amounts exploiting information that isnt pertinent to anyone they were able to get in contact with.
Product: Credit card or prepaid card

I ran into some trouble paying the card due to the coronavirus and now they wont reinstate my card and are saying that its going to keep being periodically reviewed which is complete lies. So they are stealing my money
Product: Credit reporting or other personal consumer reports

This is in reference to CFPB XXXX I have recently disputed a late payment entry on my credit report related to my account with XXXX XXXX XXXXXXXX XXXX In response, XXXX XXXX has replied with multiple transactions, which they deemed Late. The multiple entries, reported as a late payment, does not comply with the Fair Credit Reporting Act, specifically 15 USC 1681a, which directly pertains to the EXCLUSION of certain types of information from consumer reports.

According to 15 USC 1681a, " transactions '' or " experiences '' between the consumer and the person making the report are EXCLUDED from the consumer report. The reported late payments fall under these categories, as it is a transaction or experience directly between XXXX XXXX  and myself. 

Here is the specific clause for reference : 15 USC 1681a ( 2 ) ( A ) ( i ) : The term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. 

Given this legal provision, the reported late payment SHOULD NOT be included in my credit report. XXXX XXXX is intentionally violating the FCRA by furnishing this entry every month. I kindly request the CFPB investigate this matter and remove the incorrect late payment entry from my credit profile. 

I appreciate your prompt attention to this matter
Product: Bank account or service

Chase Bank made the decision to end the banking relationship with me and closed all the bank accounts I had with them, including one that I was only listed on with a Power or Attorney. While I realize they can close the account without reason and without notice, NOWHERE in the agreement, which I reviewed several times, did it say they could or would freeze and restrict the account for an indeterminate amount of time without notice. I have contacted them to point out that they are breaching the agreement, and they hung up on me. The bottom line is that Chase is breaching the very banking agreement they have by failing to notify me in advance that they would be holding the funds after their decision to close the account. Once they decided to terminate the banking relationship, they were obligated to release my funds, all of which were deposited by verifiable means, but after 3 weeks they still are holding the funds in that account hostage.
Product: Checking or savings account

unauthorized withdraws from my account. 
XX/XX/XXXX {$200.00} XXXX {$200.00} XXXX XXXX {$200.00} XXXX XXXX {$200.00} XX/XX/XXXX {$300.00} pnc bank has denied the claim due to me having my debit card. I believe my card was cloned and this is how the money was stolen
Product: Debt collection

They call multiple times a day and sometimes back to back. Just in the past 4 hours I have received 3 calls.
Product: Money transfer, virtual currency, or money service

I am writing in to express my concerns regarding Zelle 's handling of disputes, particularly in light of the 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 that tracking these transactions was unfeasible. The CFPB 's 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 scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had 17 loans with XXXX XXXX, I now have 2 loans which are consolidated. In XX/XX/XXXX they reported to my credit report that I was 90 days past due, since the loans had not been consolidated at that point it did not just report it once but 17 times. My loans had a forbearance from XX/XX/XXXX-XX/XX/XXXX, I never received a bill from them to prompt me to pay anything and every attempt that I have made to get them to correct my credit report comes back, with them saying that it is correct and they do not have to correct because a forbearance does not stop it from being considered late if you look at the 2 previous months on my credit report they reported that XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX were all paid as agreed and then in XX/XX/XXXX reported that it was 90 days past due, if it was 90 days past due then I would not have been able to have been as agreed in the 3 months prior to it. The loans have since been consolidated and are on a payment plan where it has not shown a missed payment since, they are unjustly leaving these on my credit report even though my loan was in forbearance in order to prevent me from obtaining other credit.
Product: Credit reporting or other personal consumer reports

I am writing this letter in extreme frustration and dismay regarding the fraudulent accounts that continue to persist on my credit report. This situation is not only damaging my financial reputation but causing me severe emotional distress. 
SMALL BUSINESS ADMIN XXXX I would like to remind you that under the Fair Credit Reporting Act ( FCRA ), it is your responsibility as a credit reporting agency to ensure the accuracy and integrity of the information you provide to lenders and consumers. It is also your responsibility to promptly investigate and correct any inaccuracies or fraudulent information on a consumer 's credit report. I believe that your continued failure to address this issue is a clear violation of my rights under the FCRA.
Product: Checking or savings account

Hello, I would like to appeal this denial. I did NOT authorize these 2 ATM withdrawals. 

- {$160.00} - {$160.00} After landing in XXXX I did use this card once for an ATM withdrawal of {$350.00} - I received the cash and walked away. Unlike American ATM 's which makes you take your card and then output the cash ( what I am used to ) this ATM keeps your card and allows multiple withdrawals without requiring to re-enter your pin again afterwards. 

Secondly I did NOT authorize these 2 purchases. 

XXXX XXXX XXXX Debit Card - {$230.00} XXXX XXXX XXXX Debit Card - {$240.00} After realizing I left my card within 5 mins, these two big purchases were made on my card. And from the looks of it hundreds of miles away. I froze the card immediately and I called right away and was told I had to allow the transactions to process and now am being denied my funds back. Both of these charges are abnormal and out of character for me and to reiterate, I did not authorize them. 

This seems very unfair that SoFi does not help their customers in any way in this matter and just sends an automated response with no information as to why my hard earned money is stolen and nothing being done about it. 

Please let me know what actions I can take to move forward on retrieving this funds back. 

Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. 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 {$790.00} XXXX {$540.00} USDEPTEDXXXX {$22000.00} XXXX  {$22000.00} USDEPTEDXXXX {$8500.00} DEPTEDXXXXXXXX {$8500.00} XXXX {$1200.00} XXXX {$8500.00} XXXX {$0.00} XXXX {$20000.00} XXXX {$110000.00}
Product: Debt collection

I recently reviewed my credit report and seen an alleged account from this company reporting and causing a negative effect to my credit report. I send the company a certified letter with return receipt requesting validation. I do n't recall signing any contract with this company.