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

am writing to bring to your attention a grave matter involving Chime Financial XXXX XXXX failure to adequately address unauthorized transactions on my account, resulting in the theft of {$7000.00}. Despite my prompt reporting and diligent cooperation, Chime has shown a troubling disregard for their responsibilities, leaving me financially devastated and emotionally drained. 

The unauthorized transactions occurred on XX/XX/year>, and XX/XX/year>. I immediately notified Chime, providing all requested documentation, including transaction records, detailed explanations, and proof of my efforts to prevent further harm. While Chime confirmed receipt of this information, their subsequent inaction and dismissive responses demonstrate a failure to meet the most basic standards of customer care and regulatory compliance. 

This experience has profoundly shaken my trust in the banking system. Beyond the severe financial hardship caused by the loss of {$7000.00}, the emotional toll of being ignored and left to advocate for myself is immense. Chimes negligence in addressing this issue reflects a systemic problem in their approach to fraud prevention and consumer protection. 

I am requesting the FDICs intervention to : Recover the stolen {$7000.00} and restore my financial stability. 
Investigate Chimes compliance with FDIC regulations governing consumer protection, fraud prevention, and dispute resolution. 
Mandate corrective actions to ensure Chime strengthens their security measures and improves their handling of fraud cases. 
This is not only about recovering my stolen funds but also about holding Chime accountable for failing to protect its customers. I trust the FDIC to take decisive action to address this matter and prevent similar injustices from happening to others. 

Thank you for your attention and commitment to protecting consumers. I am available to provide any additional information needed and look forward to your timely response.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate accounts in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

So this person I have him {$1000.00} USD on XX/XX/2022 and after that he ended up sending me malware then blocking me on all contacts and I asked paypal to give me my money back and all they said was " We've closed this case as our review showed that this transaction was processed correctly and an amount of {$1000.00} USD was successfully transfered to the XXXX on XX/XX/2022 at XXXX XXXX  PDT. '' Paypal hasn't allowed me to submit another report about this nor allow me to submit a Disputes.
Product: Checking or savings account

I opened a savings account at the Bank of America at XXXX XXXX XXXX XXXX, XXXX, CA XXXX with the Banking Representative XXXX XXXX in late XXXX. 

Thereafter, I opened up Trust Accounts with POD 's for my children at the Bank of America XXXX XXXX XXXX XXXX, XXXX, CA XXXX. 

On XX/XX/XXXX my savings account had {$94000.00} in it. Shortly after all my money was gone. When I inquired about the whereabouts of my money in person, the banking reps told me to speak with the Bank Manager. The Bank Manager advise me to call the XXXX number. They gave me the run around. 

I paid {$400.00} to order bank records. They sent me the wrong bank records. 

I contacted FDIC they advise me to contact The Office of Comptroller of the Currency and the Consumer Financial Protection Bureau regarding my missing XXXX.
Product: Credit reporting or other personal consumer reports

Dear Experian and CFPB, I am writing to formally dispute multiple inaccuracies, unverified entries, and misleading information regarding my credit report as it pertains to the account listed by XXXX XXXX. The discrepancies not only misrepresent my financial history but also significantly impact my credit health and overall quality of life. 

The following inaccuracies have been identified in the report : XXXX. **Unverified and Outdated Information** : The report shows an " Account Status '' of " Derogatory '' with a " Balance '' of {$120.00} and a " Payment Status '' of " Collection/Ch. '' However, the " Last Reported '' date is XX/XX/2024, while the " Date of Last Activity '' is noted as XX/XX/2024. This discrepancy raises serious concerns about the accuracy and timeliness of the information reported, violating my rights under 15 USC 1681e ( b ), which mandates that consumer reporting agencies follow reasonable procedures to ensure maximum possible accuracy of the information they report.

2. **Misleading Comments** : The report states that the account was " closed at consumers request and dispute resolved, '' yet it also indicates that the " consumer disagrees '' that the account is seriously past due. This conflicting information creates confusion and misrepresents my actual financial obligations. It is crucial for my credit report to reflect accurate information to avoid unjust penalties on my credit score.

3. **Impact on Credit Health** : I have made numerous attempts to resolve these issues with Experian yet each time I reach out, I am met with responses that fail to address the inaccuracies adequately. The ongoing presence of this misleading information severely limits my access to credit, increases my financial burdens, and causes undue stress and anxiety regarding my financial future.

4. **Consumer Rights Violations** : The inaccuracies in this report violate my rights under 15 USC 1681e ( b ) as well as 15 USC 1681i , which allows consumers to dispute inaccuracies in their reports and requires timely resolution of those disputes. 

Given the severity of these issues, I respectfully request that XXXX conduct a thorough investigation into this account and take corrective action to ensure that my credit report accurately reflects my financial history. It is imperative that the necessary updates to my account are completed promptly, as my financial well-being depends on it. 

I appreciate your immediate attention to this matter and look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Wells Fargo closed my account without warning due to an attempted deposit of a fraudulent check. I had no prior knowledge of the check or the situation until I received a call informing me the account was already closed. I explained that I was unaware and had no involvement, but was told I could never bank with them again. 

They did not offer support or acknowledge that I was a victim of fraud. Now, this incident appears on my banking record or credit report, making it difficult to open an account elsewhere. The report does not reflect that I was a victim, and I am requesting that this be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called citizens one on XX/XX/2020 and was blind transferred to collections rep very snuggly and rudely told me I didn't know what I was talking about when I said that " false information had been reported by them to the credit bureau which violates the FCRA '' I gave attached screen shots which show the falsified info which this institution refutes bur told me " you haven't made enough payments for a deferment '' so that would mean then, if I'm not mistaken, the screen shotted remark would be false and citizens one should do the right thing b4 I seek legal representation for a blatant violation of the FCRA.
Product: Credit reporting or other personal consumer reports

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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$24000.00}, XXXX XXXX Balance : {$22000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my credit file not my report, I needed to know what paperwork/contents were, how  Trans Union  and   XXXX   was verifying erroneous account information. Under section   609 of FCRA I am entitled to this informations, All companies refused, the reps have no idea of this act or section I was referring to.
I last spoke to Trans Union    XXXX / XXXX /  XXXX  , the reps and supervisors do n't know the difference between a credit file which should contain, contracts with my signature for each creditor, I asked for who verified the information, how it is being verified This fell on deaf ears.   I am disputing an fraudulant account
Product: Debt collection

Last month this company received a check along with a letter from me to pay off a {$77.00} debt the had reported on my credit report. 
The letter specifically stated that they were to only cash the check if they would go on to delete the account from the credit report and if this was not acceptable to them they were to send me the check back. ( see attached copy of letter ) In addition, I had also write on the the check 's note section " cash only if you will delete account from credit report '' ( see attached copy of check ) The company violated the implied agreement and cashed my check and failed to delete the account on my credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 my employer sent me {$1500.00} via PayPal. When I attempted to transfer my money to my bank account ( which I had been doing for a year or more ) PayPal refused, citing a security concern. When I asked what the security concern was, they said they didn't know, leaving me unable to resolve whatever the problem was. Ironically, they said I could still send money to a third party ( for example, to a person I've never interacted with before ) but I was not permitted to transfer my money to my bank account. As I write this, PayPal still has my money frozen. They control it and will not let me access it other than to send to third parties ( from which, conveniently, they can extract fees ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Went to Car dealer with a preapproval letter/lender in which i told them that i wanted to exclusively use, they ended up running multiple inquries ...? when they were not suppose to!!! I had a total of 7 inquiries!! Deceptive practice! 
1.XXXX XXXXXXXX XXXX XXXX 2.XXXX XXXX 3XXXX XXXX 4XXXX XXXX 5XXXX 6.XXXX  XXXX 7XXXX XXXX
Product: Debt collection

I, XXXX XXXX, with SS # *********** was sued by XXXX XXXX from Persolve, LLC, XXXX Account Resolution Associates, XXXX, located on XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX on behalf of XXXX XXXX for a Credit Card Debt that belong to me but was compromised on Identity theft together with other account that were corrected at the time by the creditors by following video survelliance proving that my Credit cards were used by another individual different than me. Other credit card companies were willing to do their own investigation and concluded in effected that it was not me using the credit card and by also looking at my history proven that i would n't of never used my credit card to that extend. I initialy was contact by XXXX XXXX requiring for me to pay for those transactions, during several comunications with them, I told the Credit Card company that I was victim of Identity theft and therefore that debt did not belong to me. In the beginnig I tried to keep my credit card in good standing by making my payments but they did not want to investigate the transaction in dispute and took legal process againts me. When it came to the legal lawsuit, they did not serve papers on time for me to appear to court, summons were served after the fact and did not give me the chance to respond. Now a lien is place on my property which is totally wrong. I follow the chain of command, I do n't understand how the other Credit Card that were also compromised were willing to investigated and XXXX XXXX just refused to and proceeded with a legal action that is impacting negatively in my Credit that I had work so hard for all this years.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX have garnished from my salary because of my debt, but refused to give me satisfaction of writ of garnishment.Until now this law group had continued to garnish money from my salary for another account that had been dismissed from the court twice.I hope you can help me resolve this situation.
Product: Credit card or prepaid card

their strange security non sense, blocks every payment also for a {$1.00} or a few dollers the forst time their security non sense system blocked the card usage when i tried to make a purchase of less than {$10.00} they then answered by email and confirmed the removal of the account blockbut once again when i tried to pay a service for less than {$10.00} aso using a virtual credit card for internet purchases and not the primary one, they blocked the transaction again eevery time they ask to call their phone number, but again we are not a call center and we are the customers here currently i can not use the card because their security non sense has blocked tagain he transactions when i tried to make a purchase of less than {$10.00} using the one time virtual credit card linked to the primary cardc
Product: Checking or savings account

On XX/XX/XXXX I deposited a check from my employer ( which is a local and reoccurring check ) in the amount of XXXX dollars and they have since made XXXX dollars available. I have spoken with the manager at chase Bank where I deposited the check and he was rude and reassured me that he would break the law and make sure my check was not deposited I have spent over 11 hrs on the phone on hold trying to get through to the hold department at chase Bank. I am currently on hold as I type this complaint. Today is the XXXX of XXXX I have XXXX XXXX dollar late fees from my credit cards over this and a late rent payment. I already worked for this money I shouldn't have to work for it again my time is not worth nothing I could have made this whole amount over again that instead was wasted on trying to get what I already earned plus the XXXX dollars in late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and i have a number of inquiries on my Equifax credit report that I did not authorize, or allow anyone employed by these companies to make an inquiry and view my credit report. This is a direct violation of FCRA section 1681b ( c ) and a serious breach of my privacy rights.

I have added a fraud alert on my account during the time range that these inquiries were added to my credit report and notification should have been given to me before any of these inquiries should have been made. 

I would like these fraudulent inquiries deleted from my credit file immediately XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX & XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX US DEPARTMENT OF EDU XX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX attempted to collect a fraudulent debt ( including several other collection agencies ) reported by XXXX XXXX Bank to the major creditor reporting agencies in the amount of {$660.00}. 

Under the Fair Debt Collection Practices Act., the collection of said debt on XX/XX/XXXX has been disputed and validation of the debt was requested. 

Although the debt was removed from my credit file after the seven year derogatory reporting period in XXXX ( adversely affecting my credit file ), the fraudulent account remained in collections for an extended two year period. 

The original creditor has refused to negotiate a settlement and all collections agencies involved have yet to verify the debt of record.
Product: Credit reporting or other personal consumer reports

Transunion has provided a letter showing they have deleted the disputed account after they have completed their investigation of the matter. 
However as of today they are reporting the same deleted account back on my credit report. They have not honored the result of their investigation and have provided a dishonest proof of account deletion letter subject to mislead my lenders whom i have already provided proof that the matter has been resolve. 
Despite Transunion notification claiming that the investigation concluded with a deletion of these account, they remain on my credit report as of todays date. This discrepancy is troubling and misleading, as it suggests that corrective actions were taken when they were not. 
I demand that Transunion remove these account on my credit profile immediately.
Product: Mortgage

In XXXX of 2018 I applied for a loan modification with Bank of America. I was denied the modification as they said they could not confirm my residency in spite of my sending multiple documents showing I lived on the property. The modification was requested as we were having financial difficulties due to my husband 's illness. As we were significantly impacted we had to move in with family for a time but kept our home. Once he was better and our income stabilized we moved back into our home. This was all explained in detail to B of A. 

We came to find out that the bank initiated the foreclosure process even though we were in the process of trying to get our loan modified. We live in California and this is illegal according the the California Homeowner Bill of Rights. 

We then were charged fees associated with the foreclosure! If it's illegal to begin foreclosing on a home while attempting to get a loan modification, then it's also illegal to assess the homeowner fees associated with the foreclosure.
Product: Credit reporting or other personal consumer reports

I am writing to request an investigation of the following information that appears on my report. I have NEVER opened or used the following accounts I'm a victim of identity theft. i attached my identity report affidavit, i want all items deleted immediately or my next resort will be litigation. again i will list these fraudulent accounts here this is a serious concern and my rights are not being honored. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX I have mailed, faxed, emailed, and called each bureau Equifax, XXXX, and XXXX. I have done everything that the law requires to get this matter resolved that's I have contacted the local police department I have filed the necessary paperwork with the FTC. I filed disputes with these bureaus 30 plus days ago and havent received anything. I have been a victim of identity theft. I am not sure when this theft took place, I looked up one day and requested my credit report and found all the errors what else can I do. I want this resolved as soon as possible.
Product: Credit card or prepaid card

I reported 3 unauthorized transactions on XX/XX/2023 {$99.00} {$99.00} {$99.00} as the merchant XXXX sent me an email telling me that my account has been compromised and to disregard any emails telling me about the orders made as they cancel them and if I see any charges on my bank statement to dispute it with my bank, did report this with my bank on XX/XX/2023 and Ive given them more than 10 business days to resolve. My issue anymore. Time is needed them provisional credit should be given to me within 10 business days as it states that in the terms and conditions they agreed to.I sent them screenshots of my communication I had with the merchant and what they advised me to do, and they are refusing to provide me a provisional credit because I am familiar with the merchant. Yes, I am familiar with the merchant, but I am not familiar with those transactions and neither is the merchants as they were the ones that notified me that my account has been compromised and to dispute the charges with my bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX XXXX and 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 get corrected. 
XXXX XXXX XXXX Balance : {$570.00} CXXXX XXXX  XXXX Balance : {$7200.00}
Product: Debt collection

The debt collector, Sunrise Credit Services , Inc., located at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, has continued collection efforts against me although the South Carolina statute of limitations for obtaining a judgment against me has expired.
Product: Prepaid card

bank of america has not resolved my claim and dispute to my perpaid debit card account I have no access too of the amount of {$15000.00} since XXXX .i received a compensation check of {$280.00} only i want my money.im owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX  XXXX  1 late payment
$XXXX  Balance updatedXX/XX/XXXXXX/XX/XXXX
Account number
XXXX  Account status
Open
Date opened
XX/XX/XXXX
 XXXX  XXXX  XXXX
XXXX, OH XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I made an online payment in CitiGroup Credit Card account in time to pay off the balance of a balance transfer whose rate would change on XX/XX/XXXX to 22.49 %. Please note I made 5 calls to customer service at CitiGroup during the months of transfer period inquiring what my interest rate would be and was told every time they did not know what the rate would be- then when I called in XX/XX/XXXX( within 30 days of expiration ) I was given the new rate. Unreal! I have a high credit score and I was dismayed - I told that clerk that I would be paying off that part of my balance in time. He did not tell me to wait until the day AFTER expiration. Anxious not to incur high interest I paid ahead to make sure it posted on time. Logging in today I see they moved that balance to the " standard '' rate and that because I had another balance at .99 % they applied my payment to that and not the original sum. They quoted their agreement which says " highest interest first '' and refused to apply my payment of {$3800.00} to the balance in question.