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

I opened an account with XXXX based Bank on line. It was a high yield savings account at PNC. The account was opened on the XX/XX/XXXX but it was not funded till XX/XX/XXXX. I initiated a web transfer from my Bank which is XXXX  XXXX XXXX on the XX/XX/XXXX. My bank completed the transfer on the XX/XX/XXXX. Noting on the PNC site showed any transfer made. Called several times to PNC. The answer was the same -its takes up to 5 business days to complete which is utter nonsense. On the XX/XX/XXXX I checked my account and the funds were there no explanation of where it came from. I called and talked with the XXXX at the call center who was rude and self - indulgent. She couldnt give a proper answer. She told me to talk to anyone at PNC. I then wrote a very detailed letter to XXXX XXXX XXXX who is the CEO of the Bank. I was extremely frustrated. I started digging to find a website called XXXX XXXX. The most complaints were for PNC mostly from people located in the the states where the bank has branches. I was shocked at the behavior of PNC. I indicated to XXXX XXXX that I was very unhappy with the way the bank is defrauding the people. I wanted to know what he was going to do about the matter. The next day I received a phone call from a woman called XXXX who was calling on XXXX XXXX behalf. She promised to call me after she investigated the matter and call me on Thursday. I was speaking to her on Tuesday morning the XX/XX/XXXX. I never got a phone call and late Friday morning she called and told me that there was nothing wrong and its the Banks policy to withold funds for up to five days. No one told me this the banks policy to do this. I told her that I would contact you and write a letter to XXXX XXXX XXXX and contact my congressman XXXX XXXX XXXX. This is breach of public trust and skimming of interest by the bank PNC. It my dearest desire to get this unscrupulous Bank in front of a congressional Banking Committee to be investigated.. 
I had called you on Wednesday the XX/XX/XXXX and left a message and someone was supposed to get in touch with me on Friday. I didnt receive the call so I decided to write. 
Please call me and let me know the details you required because until today the account at PNC doesnt show when they received the funds and the Bank that transferred it. Today is the XX/XX/XXXX.nine days after the funds were received.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX {$980.00} XXXX XXXX XXXX {$7100.00} XXXX XXXX {$7100.00} XXXX XXXX Bankruptcy # XXXX I wish to clarify that I have not file for bankruptcy, and to support this claim. The XXXX XXXX XXXX confirmed they do not furnish information to any third-party including credit agencies. If any Credit Agencies states that they did not received my personal information from a secondary agency is a violation of the Fair Credit Reporting Act to report false information I have not supplied proof under the doctrine of estoppel by silence, Englehardt v Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, in fact therefore any such debt, in fact therefore exists. 

According to the Consumer Law 15 US Code 1681 Section 602 ( A ) States I have a right to Privacy. 15 US Code 1681 US Section 602 ( A ) 2 A Consumer Agency can not furnish any data on my credit report without written instructions. 15 US Code 1681 C ( A ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information and any adverse items. 15 US Code 1681 S 2 A 1. A person shall 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. 15 US Code 1681 I5 the consumer reporting agencies are supposed to modify accounts that aren't reporting accurately.
Product: Money transfer, virtual currency, or money service

Dear PayPal Team, I am writing to appeal the suspension of my newly created PayPal account. I was surprised to receive a notification shortly after registering for my account that it had been suspended. As a first-time user of your service, I have not engaged in any activities that violate your policies. 

My PayPal account is registered under the email address XXXX. I kindly request that my account be reinstated and that you provide me with an explanation for the suspension. I have not had the opportunity to conduct any transactions or use any of the features of your service, so I am unsure of the reason for the suspension. 

I would appreciate it if you could review my account and provide me with a prompt response regarding its status. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card

I got charged XXXX for subway twice on my card and I called the bank and have them to remove it and they refuse and told me I need to call subway and subway would n't help me or corporate office would n't help to and that XXXX is been pending on my account for two days. Now I 'm trying to pay my credit card bill
Product: Debt collection

I am being charged for services that I did not receive. I am being charged for someone elses services on my credit report. There is no contract between XXXX XXXX XXXX and Myself.
Product: Payday loan, title loan, or personal loan

I was working two jobs to make ends meet when I took out this loan and now I am down to one job and have found myself struggling to pay this loan back. I have made payments of XXXX since XX/XX/2019 so I have paid back around XXXX dollars on a XXXX loan. I would like to be relieved of this loan and to have the payments stop coming out of my account.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

My friend, a man without means, was born in XX/XX/XXXX. He lost his common law wife recently. He has gone XXXX recently. I have given him over {$10000.00} and his friend {$5000.00} on my friend 's recommendation. All the money is lost. To speed up delivery of emergency cash I added myself to his Wells Fargo checking account last XXXX. I can no longer support my friend. I asked Wells Fargo to remove my name from the joint checking account. Unless my friend appears with me at the bank branch, corporate policy states there is nothing they can do. Having him appear with me is an undue burden on him and on me. Today ( XX/XX/XXXX ) I paid the overdraft balance {$68.00} including a punishment fee of {$35.00} that was authorized at the ATM by a third party, probably with the acquiescence of my friend but without my permission. The account balance is today {$0.00}. I conversed with employees including the branch manager at the XXXX, MD, branch. I conversed telephonically with three employees of Wells Fargo. XXXX, in the executive offices, was very accommodating. She submitted a complaint to the direct reports of XXXX XXXX XXXX, the CEO.  Nothing heard back so far. I want to divorce myself from the joint account without closing the account. This would return the account to the state that it was in on XX/XX/XXXX. All it would take is a special exception authorized by top managers. My friend is very sick.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 4 late charges on my credit report that the company promised wouldnt happen when I was on a Covid Relief payment when I lost my job. Ive havent missed a payment since. Please remove all late payments from my credit report which is inaccurate. Thanks
Product: Checking or savings account

I requested a withdrawal of {$300.00} on XX/XX/year>, XX/XX/year>, and XX/XX/year> from my Juno account to my XXXX XXXX checking account. I also request a transfer of {$4000.00} on XX/XX/year> from my Juno account to my XXXX XXXX checking account. While those banks credited my the money, they withdrew the money a couple days later claiming Juno had frozen my account. Juno claims there are issues with their ACH transfer system and I temporarily can not make withdrawals. However, it has been two months and they still don't let me make any withdrawals. I have tried making a credit card payment with my Juno account and have been unable to utilize the money in my account to pay my bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

A letter was sent to TransUnion requesting a " Method of Verification '' in accordance with the FCRA 611 ( a ) ( 7 ) due to TransUnion 's " Data Furnisher '' LCI refusing to provide me with a " Method of Verification ''. Please see the attached letter dated XX/XX/22 in which, LCI shifted the Method of Verification to TransUnion. I have disputed with LCI and TransUnion regarding an alleged bankruptcy record it has phished from PACER a " Public Database ''. FCRA 611 ( a ) ( 7 ) states that upon request a consumer reporting agency MUST provide the consumer the description of the procedures used and the " Business Name and Address '' it made contact with to verify the " Completeness and Accuracy '' of a reported record. In a letter dated XX/XX/22, TransUnion has refused to provide me with the " Method of Verification '' and stating that it had already completed the investigation, which is FALSE. I have attached a copy of this letter for proof. By refusing to provide me this information TransUnion is violating FCRA 616 ( a ) which states : " Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; such amount of punitive damages as the court may allow ; and in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney 's fees as determined by the court. '' TransUnion or LCI HAS NOT contacted the courts to " VERIFY '' the " Completeness and Accuracy '' of this record. Instead, they are relying on PACER, in which I have disputed information contained in this record, and according to the FCRA, when notified by the CONSUMER, the CRA must conduct a " FULL INVESTIGATION '' by contact the " Originating Source ''. PACER is a database and can not be used as a " VALIDATING SOURCE '' I have attached a letter from the courts who has certified that they DO NOT REPORT to CRA 's. I have also attached two letters from LCI and TransUnion admitting to using only " PACER '' as it's " VALIDATING '' source. I DO NOT wish for a re-investigation of this record, as both TransUnion and LCI has already failed to comply. I am requesting the deletion of this record from my credit file due to TransUnion 's violation of the aforementioned laws and regulations. I have also requested that LCI remove any 'PERSONAL INFORMATION '' from their database as they have no " PERMISSIBLE PURPOSE ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Payday loan, title loan, or personal loan

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. 

I XXXX XXXX consumer, natural person an Original Creditor of an open-end credit plan was denied my right of credit by Capital One was notified of the transgression of my rights specifically 15 usc 1601 The Truth In Lending Act by Capital One On XX/XX/XXXX via US mail according to 15 usc 1602 definitions of the Truth In Lending Act I as a natural person possessing an open end credit plan was harmed by Capital One adverse action taken against me denying my rights. And in Capital Ones Response to my consumer credit application Capital One also discriminated and discouraged me an applicant from applying for an extension of credit by noting in there letter that they are taking adverse action on the grounds of a consumer report that was provided to them by a consumer reporting agency called Early Warning Services which is a direct violation of 15 usc 1681m ( C ) ( i ) ( I ), ( ii ) which states that grounds for an adverse action can not include or be on the grounds of information in a consumer report, and can not be based off of information solely as to transactions or experiences between the consumer and the person furnishing the information. 

Capital one is now civilly liable for discrimination and discouraging me the consumer pursuant to 15 usc 1691e ( a ), ( b ) ; and Capital one is criminally liable pursuant to 15 usc 1611 for failure to disclose the cost of consumer credit pursuant to 15 usc 1611 and owes {$5000.00}
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app due to inadequate customer service and unfair practices which violate the Customer Financial Protection Act specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected furthermore their dispute resolution process was unfair and deceptive. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I never gave my written consent to pull my credit from the list provided blow. 

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: Mortgage

After looking into my XXXX XXXX XXXX, I observed a new message of a letter dated XX/XX/2024. The details state cancelation of sale, meanwhile I continue to get robocalls, and lots of text messages, regarding the preforclosure in XXXX.
Product: Debt collection

United consumer financial purchased a debt from someone else and is coming after me. I never recieved written notification of the debt or that I could dispute it. Also did not get info about original creditor when I mailed them a letter on XX/XX/2022
Product: Student loan

they claimed i defaulted on my XXXX XXXX loan last year. The defaulted loan was transferred over to the guarantor, the New York State Higher Education Services Corporation. They agreed to put me in a  payment program, at the conclusion of which, the loan would be taken out of default status, and they would give the loan over to another private financial institution for me to begin paying again. The acknowledgement of debt agreement i signed in XX/XX/2018, has a total current principal and interest with collection cost of {$63000.00}. My total balance as of XX/XX/2018, is {$79000.00}. XXXX. I will try and include documents to this effect. I have made all of my payments as prescribed under the agreement by the due dates specified. For an agency or institution to charge collection fees or interest in excess of {$15000.00} is ridiculous, if not criminal. My collections representative at NYSHESC and her manager say this ( marking up the amount of the loan so dramatically ) is something they have to do anytime they take over a defaulted loan but this sounds very suspect to say the least. I should not be subject to an outrageous financial practice such as this. Please help me stop this by having NYSHESC bill me based off the correct and original loan amount of XXXX, instead of the random, way-overblown amount that they used, which currently results in a balance of {$79000.00}, after just 7 months of being on the payment program. I am sure if a situation like this were to become public, it would look very bad for the people at NYSHESC. Please help.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Closed my account and deactivated my card with XXXX dollars still on it had no way of getting my money back
Product: Credit reporting

On Saturday, XX/XX/2017, I received in the U.S. mail my " FREE '' annual credit report from " Trans Union. '' However, on " Page XXXX of XXXX, '' it notes under the " Account Review Inquires '' that a company called " XXXX XXXX, XXXX via XXXX '' unlawfully accessed my " Trans Union '' credit file on " XX/XX/2017. '' This is NOT mine. I am a victim of " Identity Theft. '' I just renewed my apartment lease for another 12 months in XX/XX/2017 so why would I be applying for a " home loan '' through " XXXX XXXX, XXXX '' on " XX/XX/2017. '' Plus, I was on vacation in Hawaii on " XX/XX/2017 '' with NO computer access and NOT in my home State of California.
Product: Consumer Loan

SUNTRUST BANK HAS PULLED A COPY IMPERMISSIBLY FROM MY CREDIT REPORT ON XXXX XXXX AND XXXX. THEY ARE REPORTING AS XXXX XXXX XXXX THAT IS NOT MY NAME AND AS SUCH MIXED MY FILE WITH ANOTHER. I WANT THE INQUIRIES REMOVED IMMEDIATELY
Product: Debt collection

Waypoint Resource Group is began reporting this non-validated debt on my XXXX XXXX  and XXXX credit file WITHOUT sending me a dunning notice. I sent a letter to Waypoint Resource Group requesting for validation of a debt they claim I owe of {$540.00}, according to the provisions of the FDCPA. Waypoint Resource Group sent a reply of a billing statement attempting to collect a debt. Waypoint Resource Group has violated the provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the alleged debt to XXXX XXXX and XXXX. The [ 15 USC 1692e ] ( 2 ) The false representation of -- ( A ) the legal status of the alleged debt and ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. Waypoint Resource Group has NOT provided me adequate documentation.
Product: Credit card or prepaid card

I sent my payment of {$710.00} on XX/XX/XXXX from my bank. I sent opened a dispute and on XX/XX/XXXX my case was closed because they were unable to find my payment. I submitted another dispute on XX/XX/XXXX and sent a fax with all of the information they requested. On XX/XX/XXXX I received a letter that my case was closed again because they couldnt find the payment. On that same day I submitted another fax with the information they requested. This is the third time I open a claim and I have decided to escalate the issue because it has been 3 months since the payment was sent.