23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

They have levied my account multiple times. Collected more than the debt itself. They 're charging interest on interest. They never show me statement nor receipts on the initial account. I never get proper response. I need to SEE receipts and records.     If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, please provide an itemization showing the dates and amount of each added amount. In addition, if you can explain how are the interest, fees or other fees added.     I wanted to learn more about my case and they told me I can work on a payment plan to close debt. But they keep levying my accounts without understanding my situation.     Please identify last payment made to this account.   Use this method as my only form of contact regarding the debt.
Product: Checking or savings account

I received a federal XXXX loan which got disbursed into my Chime checking account. 
Chime bank has locked my account and has not released my funds nor have they sent the funds back to XXXX. 
It has been over 1 year I have been going back and fourth with them sending all my information id, address, pictures they put me on hold or drop the call. 
I am already making payments to the XXXX for my loan and I have not even gained access to my funds. 
Why is chime bank holding my money? If they did not send it to me they need to send it back to XXXX. I have asked them to close my account and send me my balance. 
I was advised by a legal councilor to take the route of communicating with consumer finance.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX : {$47.00}
Product: Money transfer, virtual currency, or money service

The weekend of XXXX XXXX US Bank transferred my bank account information from UnionBank ( which it had purchased ). Unfortunately its instructions about how to regain online access did not work properly, so on XX/XX/XXXX ( I believe ) I spent several hours at the new US Bank branch while the employee enabled access to my new accounts at US Bank. 
On XX/XX/2023 {$5000.00} was electronically transferred out of one of my personal checking accounts at U.S. Bank. I was provided no notice of this transfer. 
On XX/XX/2023 {$5000.00} was electronically transferred out of one of my business checking accounts at U.S. Bank. I was provided no notice of this transfer. 
On XX/XX/2023 {$10000.00} was wired out of another of my personal checking accounts at U.S. Bank. I was provided no notice of this transfer. 
The night of XX/XX/XXXX I logged onto my US Bank accounts online and noticed only {$400.00} in an account that previously had over {$10000.00}. The next morning I called and arranged to meet with my local branch after finding these fraudulent transactions in these three accounts. 
The bank closed these accounts and opened new ones and replaced my checks. At the same time, we overheard another couple talking with another banker about fraud on their accounts. 
About 15 days later the bank 's Digital Claims Services mailed three letters ( dated XX/XX/2023 ). The one pertaining to wire fraud said I " authorized the wire transfer '' ( which is factually inaccurate ) and " We have investigated the matter and requested that the beneficiary bank return the transferred funds. Unfortunately, the beneficiary bank did not accept or acknowledge the request ; we are unable to further assist in this matter. '' The two letters pertaining to electronic transfer fraud stated " During our investigation, we determined the transaction posted as requested ; therefore, your claim has been denied. '' I met with the local branch manager again a few days later, who promised to escalate my case, but personally got no help from the corporate office. 
I have spent over XXXX hours on the phone with the Wires Department, Fraud Department, and Online Banking and have received no help in getting information about the receiving bank and account number that would enable me to follow up. 
US Bank has taken no responsibility for enabling access to my account. 
I have contacted my employer 's IT company about this situation, and was given their opinion that a breach of my account likely took place while security was reduced while the employee gave me online access.
Product: Credit reporting or other personal consumer reports

Per the Fair Credit Reporting Act XXXX USC XXXX SEC XXXX clearly states that " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness impartiality, and respect for the consumer 's right to privacy. '' XXXX, Transunion, and XXXX are consumer reporting agencies, and I am the XXXX. As the XXXX I have the right to make sure my private information isn't shared which per XXXX USC XXXX back it by stating " It is the policy of XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. " ( XXXX XXXX  XXXX XXXX XXXX is a financial institution by definition under that title. XXXX USC XXXX SEC XXXX section XXXX states that that " In general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( XXXX XXXX XXXX ) XXXX XXXX XXXX and the Consumer reporting agencies XXXX, TRANSUNION, XXXX do not have my consent to furnish this information, and they absolutely Do Not have my written consent. Any and all consent to XXXX, XXXX, TRANSUNION, and XXXX OF XXXX XXXX WHETHER IT BE VERBAL, NON- VERBAL, WRITTEN, XXXX WRITTEN XXXX IMPLIED, OR OTHERWISE IS REVOKED. XXXX XXXX XXXX ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX NEVER XXXX ME OF MY RIGHT TO EXERCISE MY NON-DISCLOSURE OPTION. Not only that per XXXX XXXX XXXX ( a ) ( XXXX ) states '' XXXX as authorized under subsection ( b ), but no consumer reporting agency XXXX also 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 XXXX years. '' This account is in adverse item they are reporting again without my permission which is against the law. XXXX USC XXXX XXXX ( A ) ( XXXX ) A 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. XXXX USC XXXX states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section XXXX of this title and to limit the furnishing of the consumer reports to the purposes listed under section XXXX of this title. '' XXXX, TRANSUNION, AND XXXX ARE NOT maintaining reasonable procedures. And to add XXXX XXXX states that " A consumer may exercise the right to opt out at any time. " I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

**Subject : ** Urgent Request for Proof of Right to Service My Student Loan Account Dear XXXX XXXX XXXX XXXX I am following up regarding my complaint with the CFPB. You provided a copy of my Master Promissory Note ( XXXX ), which I already have, but that does not address my request. 

I contacted the U.S. Department of Education, and they confirmed that they have no record supporting your claim that you have the right to service my student loan account. Given this, I am requesting the following : XXXX. **Documentation from the U.S. Department of Education** explicitly stating that XXXX XXXX has the legal right to service my student loans. 
XXXX. **Proof of any agreement or approval** from the Department of Education granting you the authority to be involved with my account. 

If you can not provide this documentation within XXXX business days, I am demanding that you immediately **cease and desist** all activity related to my account. Failure to comply may result in further action. 

I expect your prompt response. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I signed up for Synchrony 's CareCredit card at my XXXX XXXXs office in XX/XX/2020. It was marketed to me as the interest-free 24-month install payment that can help me afford XXXX XXXX for less than {$100.00} a month. So I set up an automatic payment online as advised. 

Two years later this XXXX, I was charged over {$1400.00} in interest. I called CareCredit and found out it was a deferred interest rate card. Even though I've made monthly automatic payments on my account, as long as I have any balance on my account by XXXX, I'd be charged a 26.99 % interest rate on the whole medical bill of {$2700.00}. 

As a consumer, I wasn't offered the opportunity to be educated about what a deferred interest rate means given this is not the most common credit card in the market. Synchrony 's online account portal doesn't highlight the fact, nor does it make recommendations for monthly payments that could help customers avoid the hefty interest at the end of the period. The first option of the monthly payment that I opted for was the minimum payment starting at {$85.00} a month. The monthly statement from the company also didn't highlight what it meant. When the so-called promotion ended, it didn't state so until the second page of the statement, after lots of ads. Not to mention their website is buggy and statements often failed to load. Email communications from the bank including all the ads, but no mention ever of the promotion period, deferred interesting rate, or the ending of it. 

Synchrony signed up most of their new customers through partners like my dental office, which are not always forthcoming to customers about the punitive interest rate policy and simply don't have incentives to do so because they want people to sign up for XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XXXX and XXXX a wire for {$50000.00} each day was sent to PNC ( totaling {$100000.00} ) for XXXX XXXX were credited to a account not held by XXXX XXXX. This error was due to wire fruad and PNCdid not match up the name on the account as they are required to do for wires. 
The routing numberXXXX and funds were credited to XXXX not in the name of XXXX XXXX as instructed.PNC has not responded to any request for the return of my funds. 

PNC did deposit in the correct account for XXXX XXXX. The account name on the was clearly indicated to be for XXXX XXXX  - see attached wire transfer XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX United States Futhermore - they failed to respond for ever 4 months to the Hold Harmless letter/request to return funds from THE XXXX XXXX  - XXXX XXXX XXXX below to verify - ** Please see attached email string XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX : XXXX Mobile : XXXX This has been devisating to me and family and I greatly appreciate you attention to this matter. I had made a prior request, but the issue at hand was not addressed by PNC Bank
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, requesting you to remove fraudulent accounts and information was well as the unaithorized inquiries that are UNKNOWN to me. I came across the Federal law and according to the Fair Credit Reporting Act 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts and information not later than 4 business days after the XX/XX/XXXX. Ive already included these fraudulent accounts and information in my previous Complaints & I am including it again. Please once more, I request of you to please remove the following items off of my Credit File as soon as possible : XXXX XXXX XXXXXXXX XXXX XXXX  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 XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX XXXX Balance Owed : {$430.00} XXXX XXXX XXXX Balance Owed : {$450.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$3500.00} XXXX XXXX  XX/XX/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. Also, please send me any documents you found along the wat if your investigation for me to verify my self about these disputed items. If you find no documents claiming that the items have been verified, immediate removal of the disputed items will be greatly appreciated.
Product: Credit reporting or other personal consumer reports

value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there is still a few record that requires UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm this record ( 1 ). ( A ). I'm confident the contested record is settled. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$420.00}
Product: Credit card

Over past few weeks, multiple charges declined at multiple vendors on multiple dates. I have spoken with customer service, fraud division and supervisors, all tell me they will take care of it but it continues to occur. Several of the people I have dealt with barely speak XXXX and seem to have no clue. Their job seems to consist of talking and maybe writing with no actions take for correction. The " supervisors '' have been give the gift of hanging up and if they do not like your tone of voice they disconnect. I was told I have the highest level of clearance on my charges XXXX  times yet I am still getting declines. I am a XXXX  with this company for XXXX  XXXX  years, ALWAYS pay my bills, have excellent credit, this should not be happening. Late for meetings all day yesterday because of over XXXX hours wasted on phone calls with Chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 


Here is the list of account/item which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXXDate Opened : XX/XX/2015 Balance : {$36000.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I would like to place a security freeze and suppress my consumer report and opt me out of any/all marketing/promotional lists.
Product: Credit reporting or other personal consumer reports

There is a hard inquiry into my XXXX without my consent. 

JPMCB Card Services on XX/XX/2024
Product: Debt collection

In or around XXXX  2024 I sent a formal dispute to Wakefield & Associates for an amount of {$1200.00}, requesting that they verify the debt according the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) that is competent evidence bearing my signature, showing that I have, or ever had some contractual obligation to pay them the alleged amount. Wakefield & Associates have failed to respond to any request and have failed to verify or show any proof of any contract I have or had with them, violating Federal Law. They have made a negative mark on my credit report ( s ) for a debt I do not owe, further violating the FDCPA and the FCRA. I sent a second letter in or around XXXX  2024 further informing Wakefield & Associates they have violated state and federal laws by not responding in a timely manner to validate the debt, further violating FDCPA and FCRA. Attached are receipts that verify Wakefield & Associates signed for my letter on XXXX XXXX, 2024 and XXXX XXXX, 2024. They have failed to provide documentation to validate this alleged debt and have violated state and federal laws. Wakefield & Associates have violated both FCRA and FDCPA. The attached documents are receipts and letters of dispute sent to Wakefield & Associates.
Product: Credit card

XX/XX/XXXX I was leaving for a vacation out of the XXXX XXXX and XXXX reps were trying to sell credit cards based on benefits when you fly. I never do this but they kept trying so I said yes. They went through the high points and I didnt know it was an XXXX XXXX that it had fees til much later. I received the card weeks later but I never used it til over a year later XX/XX/XXXX and BOOM they hit me with a {$XXXX} annual fee. I politely called them and said let me pay my balance in full now because I dont use credit cards with fees. They took my payment then told me I was still liable for the fee. I told them I wasnt going to be hijacked by a major credit card. I tried several times to get them to change their tune but they wouldnt. Its XXXX XXXX of the matter with me, I was unaware of the fee, I paid my balance and said I dont use cards with fees and lets part ways. I closed the account. Is this how a major company should be treating people? This is the lengths they are going to now and theyre hurting consumers. I have had a pretty decent XXXX XXXX for years by being careful. My score has been XXXX for years, now XXXX down to XXXX because they are sending me a bill every month with interest which is now up to {$XXXX}. This scandalous company comes along and wants to take me down over {$XXXX}. Im holding my ground!! They are ruining my credit and I want it to stop. They are making it look like Im delinquent on my bills on my credit report.
Product: Credit reporting or other personal consumer reports

Contact info/ Account # XXXX Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX This company has been on my credit report for awhile now and is reflecting negatively with the improper use of my credit. I have contacted XXXX multiple times to provide the original service agreement or contract with my signature starting in XXXX of XXXX  and I have never received any thing stating information requested. I have also had identity theft on report and this may be a company associate with it. I am asking for this negative information to be removed from all credit reports ASAP! I will be taking action with a Civil Lawsuit after 30 days of this complaint if not removed. 

XXXX  complaint file included and police report pages of identity theft.
Product: Credit reporting or other personal consumer reports

Open XXXX XXXX XXXX : # XXXXXXXX XXXX charge off. fraudulent misrepresentation. deceptive omissions of material facts.in violation of15 usc 6809 prohibits, a financial institution from reporting non-public personal information to a non-affiliate third-party, unless the financial institution has given the consumer opt out and privacy notice, providing the opportunity to opt out.15 usc 6802 opt out notice is a requirement.section 5 ( a ) of the FTC act 15USC 45 ( a ) prohibits, unfair, or deceptive acts, or practice in or affect in commerce.
Product: Credit reporting or other personal consumer reports

My account with all the companies that I included on the document was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. 

This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in the months that I was late to be removed. 

They are not in compliance with the following law. 

15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments. 

A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Debt collection

{$1800.00} attempted to be collected. I have not lived in XXXX for 2 years