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

Dear Sir/Madam, I am writing to address a pressing concern regarding recurring internal fund transfers between my checking and savings accounts with Truist Bank . Despite my explicit cancellation from the Truist App, after my job departure due to relocation in XXXX, the system continued to facilitate these transfers without my authorization. This oversight led to the overdrawing of my account, resulting in subsequent fees, which has been a source of significant loss.

The interface of the bank 's application poses a significant challenge in distinguishing between transaction history and the actual running balance. To gain a clearer understanding of the situation, I conducted a thorough review of the account with the assistance of my fianc, a financial products operations analyst and manager, using her XXXX, which offered a clearer and more comprehensible view of the transactions than the mobile app does. 

Through this review, it became unmistakably clear that it was the internal transfers, and not outgoing transactions, that caused the account to become overdrawn, which was unclear to me previously. More importantly, despite having sufficient funds available to cover any point-of-sale purchases I made, Truist still charged me overdraft fees. It seems unreasonable to have incurred substantial fees due to these internal transfers, particularly when there was no adverse impact on the bank 's end. 

As a longstanding and loyal customer of several years, I am disappointed by the deceptive nature of these actions. I am taking this opportunity to initiate direct communication with Truist, with the hope of resolving this matter internally. Nevertheless, if the excessive charges arising from the erroneous internal transfers are not rectified promptly with a reversal of all the incurred fees, I will be compelled to escalate this issue through appropriate regulatory bodies, including but not limited to the XXXX FCC, SCC, FTC, FDIC, and CFPB. 

I urgently request immediate attention and a swift resolution to this matter to ensure a fair and just outcome. I would appreciate your prompt response and action to rectify this issue.
Product: Checking or savings account

On XX/XX/XXXX at XXXX XXXX, funds ( {$41000.00} ) were transferred from my line of credit into my checking account ( which had {$24000.00} ), and then $ {$61000.00} was transferred out via ACH transfers. I tried to stop it via an online conversation with the Key Bank representative and then later in the local branch itself. They said that they did stop it, but it did not happen. I then worked with the local branch manager who later had it transferred to Fraud. After a month, they then transferred to the XXXX XXXX in XXXX to investigate the fraud. Since then, I have not heard a drop of information. I've been asking, writing and calling about information, but have been told nothing- Case # XXXX. I have been told that they would respond by USPS mail. which has not happened. I filed a report with the XXXX Police, and they have been stymied. They refused to cooperate with the XXXX. It has been 4 months with ZERO response from KeyBank. I even have a response from XXXX XXXX, XXXX of XXXX XXXX  from XXXX which has responded with zero response.
Product: Checking or savings account

I purchased two couches from XXXX XXXX  order number XXXX on XX/XX/XXXX. We were told that the couches would be delivered between XXXX and XX/XX/XXXX. In XXXX we received a notice that they couched had started to be built. In late XXXX we received a notice explaining how the inspection process would proceed. On XX/XX/XXXX we received an email saying they apoligized for not communicating well and that they were having difficulty with delays. Then on XX/XX/XXXX we received an email saying that the couch would be rshipped in late XXXX of XXXX. On XX/XX/XXXX I received an email from XXXX XXXX with a Notice of Assignment & Proof of Claim Form ( XXXX XXXXXXXX. ) I called XXXX XXXX and emailed them several times but received messages saying they were experiencing longer than expected wait times. On XX/XX/XXXX I filed my Proof of Claim form. I was told that many clients would still receive their couches and to wait. The date was pushed back several times. I finally received notice on their website saying my couch was not going to be delivered. Someone named XXXX told me to contact my credit card company to file a fraud claim. I had paid cash through my XXXX at Ally banXXXX. I filed a fraud claim and MasterCard and Ally both denied it saying that I did not file the claim soon enough within 90 days of ordering the couch. I did file within 60 or 90 days of receiving the notice but they did not consider that to matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to current dispute that you have closed with the CFPB and alleged that all accounts disputed were verified by legal means, I demand your method of verification pursuant to 15 USC 1681i in all items disputed. According to the FCRA I am entitled to a detailed description of your methods to verify this information. In addition please provide documentation provided from you from original creditor showing consent and informed consent. 

I was not given any information on opting in or out of credit reporting, nor was I supplied with anything that said my personal information with be furnished to a third party of any sort, and since the US banking system relies upon your truthful and unbiased reporting 15 USC 1681a. I require that you act in due diligence to secure my rights as a consumer in this transaction and behave in good faith. According to your policy, you receive all relevant documentation so secure consent and I would also like to see these documents with my wet ink signature. 

Per page 3 of your data sharing policy, you say that consent was given please also provide this documentation showing that I gave my consent for my information to be shared. ( XXXX ) For good Measure : 16 CFR 1028.116b informed consent : Informed consent occurs when there is agreement to an interaction or action rendered with knowledge of relevant facts, such as the risks involved or any available alternatives. Informed consent often comes up in the contexts of legal ethics, medical treatment, and waiver of constitutional rights. 
The elements of this are including but not limited to : decision capacity, documentation of consent, disclosure, and competency.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A 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. 

Account Name : XXXX XXXXXXXX XXXX XXXX  XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX  XXXX XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX  XXXX XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Municipal Collections of America called my elderly father multiple times on XX/XX/2022, to try and collect a debt issued by Iowa XXXX 's automated ticketing system. Despite my father 's voicemail clearly identifying himself as him ( and not me ), they continued calling him throughout the day. 
When I called them ( because my father asked me to ), I first wanted to know why they called my father and not me. I never got that far, because when the woman I spoke to informed me that she was recording the call, I informed her that I was also recording the call. She immediately hung up after stating that she did not consent to being recorded. 
Missouri is a one-party consent state and so is Iowa, in regards to recording calls, so I have no idea why she disconnected the call. I have received no direct communication from the debt collector at any point. The only reason I called is because they were harassing my father and he asked me to call them back so they'd leave him alone.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of last year 2022 I've have requested to have a security freeze to be placed on my personnel credit report countless of times and I'm always met letter asking for ID verification and proof address etc. I have submitted these documents twice already and still nothing has been done due to the fact I didn't receive no pin number of letter stating it's been placed a security freeze placement. I have sent these documents already since I'm always asked for these items constantly as stall tactic. These tactics are refusal to comply with my rights as a consumer of Identity theft. I want a security freeze placed on my credit profile and don't not consent to have my information shared.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

2. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Personal Information that are being challenged Incorrect Also Known As : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX It is with sincere disappointment that I present to you the detailed enumeration of the concerns I have meticulously compiled pertaining to the reporting undertaken by your esteemed organization, as explicitly documented in the accompanying file. Regrettably, it is evident that the aforementioned reporting falls short in terms of completeness and fails to align with the standards I hold paramount. It is imperative to emphasize that, in accordance with legal provisions, it is incumbent upon both your organization and the data furnishers involved to diligently certify all facets encompassing the requisite Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. Such certification must be executed with unwavering dedication to truthfulness, accuracy, completeness, and timeliness, in order to ensure the utmost protection of my consumer and civil rights, thereby averting any inadvertent violation thereof.
Product: Student loan

I have sent a couple letters telling Nelnet that since I am unable to use my XXXX XXXX XXXX to pay for XXXX XXXX XXXX XXXX XXXX XXXX XXXX  course that this loan should be forgiven since I have been in deferments and consolidation long before any deadlines also my loan is over XXXX XXXX XXXX, it was taken out XXXX of 1998. I have not received any information after repeated attempts. Respectfully
Product: Checking or savings account

As the records show within each government agency where I filed each of my complaints about the violations and/or crimes subjected against me by Wells Fargo Bank N.A and after I made all those Reports Wells Fargo Bank N.A again retaliated against me by direct threat and/or intimidation in retaliation for complaining to the CFPB and other government agencies. I believe Wells Fargo Bank N.A continuous retaliation against me is in violation of the CFPA and other applicable laws. I would like full investigation of my case which is also a human rights case against a consumer and a constituent. Wells Fargo Bank N.A fraud, corruption, threats and other adverse actions will not silence me and if anything to happen to my freedom, safety and life Wells Fargo Bank and its involved agents, executive and/or employees must be prosecuted and held fully legally and criminally responsible. All stated herein is to my current states knowledge, belief and understanding and it is subject to anything or any correction by me or my legal representative at anytime without prior notice and without waiving my rights.
Product: Credit card

I received information regarding updated terms of a promotion formerly called " My Chase Plan '' now called " Chase Pay Over Time. '' This promotion claims it is for interest-free financing, ie, a large purchase can be paid for over several months without incurring interest. 

However, the fine print is that there is a " up to '' 1.72 % monthly fee. 1.72 % compounded monthly comes out to 20.64 % compounded annually - a higher interest rate than the listed APR of the credit card I received this offer on! Their " interest-free '' extension potentially costs more than just paying regular interest would. 

I did not use this service, so I have not lost money, but I believe this is deceptive advertising and want to report it.
Product: Mortgage

I had a mortgage with Bank of america. They later transferred the servicing of the loan to XXXX in XXXX. I paid steterus timely and was never late. In XXXX XXXX, I refinanced with quicken in XXXX XXXX. Bank of america is still showing the account as delinquent with XXXX and they are showing the mortgage as an installment loan that is delinquent with XXXX. Both of these are incorrectly and impacting my ability to get premium interest rates. I have written the bureaus on several occasions about this and they have not made the corrections. I understand if they ca n't correct it they must delete the entry.
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. 

Account Name XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX  XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number XXXX XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX  Account Name XXXX XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 adverse 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: Money transfer, virtual currency, or money service

At XXXX on XX/XX/24 I called what I believed to be my bank about a withdrawal I was planning to make, as it was large and I didnt want my account to be flagged to shut down. I was asked multiple questions to verify it was my account which I answered, my call was disconnected and I thought nothing of it, I had the answers I needed. I received 5 calls from this number and did not answer them. I then got a text message from chime saying my account was locked due to suspicious activity. I called the number back, and was told I needed to go through the verification process once again and move {$2500.00} into a separate account to hold it for the process of unlocking my account. I was told it wouldnt go through as my account was locked and it was just part of the process and I believed it as the number they called from was the number I call for my bank all the time. {$2500.00} was moved into a different chime account without my authorization and I spent 2 and a half hours on the phone trying to get it back. Chime told me they dont know how the scammers were able to get their phone number. Chime has told me they can see the money in the other account and that an internal investigation is being conducted however I feel like no one is taking this seriously and I feel like Im not being helped. 
Attached are the call logs as well as text messages from the scammers and the wire transfer that was made without my consent
Product: Credit card or prepaid card

A person fraudulently added them selves to my credit card account and ran my bill up from a XXXX balance to over {$2000.00} by running up un authorized charges. This account was closed by Capital one due to the actions and misuse of the account by this person but Capital one expects me to pay the balance. I am not paying for something I never authorized and this person should who added themselves to my account needs to be held accountable. This Debt is not mine and expect it to be stricken from my record. Go after the person that fraudulently accessed my account and added themselves to my account. All of my capital one accounts were closed due to the actions of this person. I expect all of my accounts to be re instated because I was unaware of the actions that took place on this account. I am including both the statement of the entire balance being fraud in addition to my letters from capital one letting me know they are closing all of my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act convergent, Account : XXXX XXXX, has violated my rights, 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.
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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX  years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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 or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX & Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

My daughter is using my name to try and get approved for a car, we share the same birth month and date. she had my credit ran five times in one day. 
XXXX XXXX 2020