23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX XXXX XXXX. 

XXXX XXXX ( XXXX ), XXXX  ( XXXX ), XXXX XXXX XXXX XXXX )XXXX XXXX XXXX  ( XXXX ), XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602A States, I have the right to privacy.

15 U.S.C1681 Section 604A Section 2 States a consumer reporting agency can not furnish an 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 or any other adverse items 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: Payday loan, title loan, or personal loan

XXXX LA HAS IGNORED MY RIGHT AS A CONSUMER TO EXERCISE MY RIGHT TO OPT-OUT OF ANY AND ALL SHARING OF MY INFORMATION. I HAVE SENT THEM THE LAWS THAT ALLOWS ME AS A CONSUMER WHICH ARE ; 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
2 ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. 
MY STATEMENT THAT I SENT TO THEM WAS THIS ; Per ; the FCRA as a FEDERALLY PROTECTED CONSUMER, I am now OPTING-OUT of any and ALL AUTHORIZATION, I the CONSUMER may have given you, WRITTEN, UNWRITTEN, VERBAL, and NON-VERBAL, PER ; 15 US CODE 6802. Effective Immediately! 
( FYI : PRIVACY ACT OF 1974 )
Product: Debt collection

Dear property receivables corp I am writing to formally dispute the debt referenced above, which appears on my credit report under your company 's name. I do not recognize this debt and have no knowledge of any contract or financial agreement that would result in this balance. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request validation of this debt. I kindly request that you provide me with the following information to substantiate your claim : 1. Proof that I owe the debt, including any signed contracts or agreements.

2. A detailed account of how the balance was calculated, including any interest or fees applied.

3. Verification of your legal right to collect on this debt, including documentation that you have been authorized to collect on behalf of the original creditor.

If you can not provide the required documentation, I request that you cease any collection efforts and remove this item from my credit report. Please be advised that until proper validation is provided, I consider this debt to be in dispute.

I expect your response within the time frame required by law ( 30 days ), and I request that all further communication regarding this matter be in writing. 

Thank you for your attention to this request. I look forward to resolving this matter promptly. 

Sincerely, XXXX XXXX.
Product: Bank account or service

This a complaint is in regards to PNC Bank. I recently applied for a preapproval for Mortage. I have banked with PNC for over 11 years. The representative humiliated my girlfriend. He basically laughed at me and only offered me loan for {$80000.00}. I want to another bank was approved for {$110000.00}. I was told by the other loan company that I had to payoff a credit card. I went to pay it off and accidentally made a payment from the wrong account. I noticed the charge on the PNC account and on the same day I made an ATM deposit by XXXX. I was charged XXXX deposits fees for using a non-PNC ATM. I work for a bank and I 've never even heard of a deposit fee. The funds were held from my account for 4 business days. I was never informed or give any information regarding a hold of this type. I was charged XXXX {$36.00} overdraft fees. XXXX was even for a POS purchase the second day for {$0.00}. I have sent 4 emails to PNC in order to get some type of resolution to the issue. The last responses had the same generic email, which says to contact them. One of the options was to contact them via chat. I tried to speak to representative via chat named, XXXX, whojust gave me the runaround basically. XXXX could n't assist me, but he did n't even attempt to resolve the issue. I asked him if he had a supervisor and he did n't answer the question directly. After asking the question a second time, he said his supervisor was gone for the day. So there is customer service representative, who currently has no oversight. He wanted me to call the center, but I was told via the email I could have the issue resolved. XXXX was unwilling to contact a supervisor in the call center itself to review the issue. XXXX disconnected from the conversation before I could even look into another resolution. I am very dissatisfied and sad given all of these events. I used to refer people to PNC. I guess things have changed. The best I can do is issue this complaint, so others do n't have to go through the same issue.
Product: Student loan

I attended an XXXX program in XXXX and took out student loans. Upon graduating and beginning repayment, I was often contacted by customer service given XXXX amount owed ( $ XXXX/month ). I was not aware that this XXXX amount I was told was outstanding, represented the balance of XXXX loans. Therefore, when I had financial issues and could not repay, one missed payment represented XXXX negative hits ( XXXX for each loan ). While missing 7 payments over the course of 4 years is not good, it is far worse that each loan was reflected as non payment ( XXXX negative marks ). I was never told I had the option to pay some loans, which resulted in lower payments. And while some would have and could have still been delinquent, all XXXX loans would not have been. I believed all the loans came from institution, and therefore there was only one payment due.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  said I had to dispute these with the police department, as I have had my identity stolen in the past. 

Police Citizen Report tracking number : XXXX ( for the other fraudulent inquiries ) Here are more hard inquiries that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Lendmark XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

chase complaint 3 DAY DELAY IN ELECTRONIC FUND TRANSFERS IN EACH OF 3 TIMES. 



XXXX I have been having a problem transferring money from XXXX XXXX to CHASE checking account beginning in XX/XX/2023. In each of XXXX instances, dated XXXX XXXX, XX/XX/XXXX and XX/XX/XXXX, funds deposited electronically, which should generally be available by the business day after the banking day they were deposited, were not available until five business days later. This transfer was initiated by me on the Chase site. Each time I scheduled funds to leave my linked XXXX, " XXXX XXXX '' account and arrive in my Checking account at Chase. 



Hours of calls were met with sympathetic agents, promising to escalate the problem, however the complaint eventually became closed with no resolve. 



One of Chase 's suggestions was for XXXX to investigate, since they were the sending bank. XXXX did investigate and did get back to me the next day. XXXX 's investigation was complete. They found that after initiation on each of three transactions, the transfer transactions were completed and settled the very next day. I was also informed that the burden of proof regarding the path of the money during the transfers, and why exactly it took five days to accomplish, is strictly on the receiving bank or JPMorgan Chase. 
I asked Chase multiple times to provide the path of the funds from the 2nd to the 5th day and have not heard back with a satisfactory answer, except possible security measures. Further, was not able to reach the research agent via phone or via security email on two different browsers. It seems that the complaint gets to the " research '' department and is lost. 



I would like to find out what happened three times to the funds in the past and be assured this will not happen in the future! 



My last correspondence was with the executive offices. After two more weeks of waiting after speaking to XXXX, I was assured that Chase was operating within the guidelines in the agreement although I asked multiple times at the branch level, at the customer service level and at the executive level, to provide the document referring to timeframes for bank to bank transfers. This was never be provided to me. 



The only assurance given was the contact information for the executive customer service person I spoke to, XXXX. I was instructed to contact her immediately at the next instance of any sign of trouble. 


Various Chase case numbers can be provided upon request. 
XXXX XXXX Thank you, XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX Chase XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX contacts XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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: Student loan

On XX/XX/XXXX Mohela auto-deducted a payment of {$580.00}. This is much higher than I was expecting. I am on the XXXX plan and I believe this payment is incorrect. It is hundreds of dollars higher than the FSA Loan Simulator estimated. Further, my account on the Mohela site lists a " tier XXXX '' payment of this amount for XXXX XXXX XXXX but then a " tier XXXX '' payment in the amount of {$230.00} starting in XX/XX/XXXX. There is no explanation of what these " tiers '' are, how these payments were calculated, or why my payment amount on each tier is so different. FSA and Studentaid.gov have no information about " tiers. '' I messaged Mohela on XX/XX/XXXX to inquire about these questions and received an auto-generated reply saying that I would get a response within three business days. I never received that response. 

On XX/XX/XXXX, Mohela again deducted a payment of {$580.00}, which I continue to believe is too high, based on the FSA Loan Simulator estimate and my own XXXX  plan calculations. I tried calling but had to give up because the wait time was long and I had to go to work.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXI reached out to TransUnion to remove some UNAUTHORIZED inquiries. I mentioned to them that I have already contacted the creditors ( XX/XX/XXXX ) associated to such inquiries and they have none of my information on file. However, TransUnion will not remove these from my credit report. 
INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX ) XX/XX/XXXX( XX/XX/XXXX ) XX/XX/XXXX XXXX ( XX/XX/XXXX ) XX/XX/XXXX ( XX/XX/XXXX ) XX/XX/XXXX ( XX/XX/XXXX ) XX/XX/XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XX/XX/XXXX )
Product: Credit card or prepaid card

I received notice through my credit report that my Care Credit card was closed effective XXXX XXXX. I receive no notice, the company claimed to have sent an email, but I show no record. I just had XXXX on XX/XX/XXXX and planned to use this card to pay for medical bills. When I called Synchrony/Care Credit on XX/XX/XXXX they stated the account was closed due to in activity. I asked if they provide advance notice, because if they did they would learn the card was planned for use, they confirmed they do not provide advanced notice, they just close the account. Not only does this impact my credit score without warning, I am now without a payment method for my medical bills. I offered to even provide documentation of my medical event for proof. I asked for them to resend the notice of account being closed they said they are unable to send the email, but will send it via US mail within 20 days. The manager stated I should have the message in my online account messages, which I checked while on the phone with her and explained the message was not there, it just states account closed. They stated they are unable to reopen my account or line of credit, and I would have to apply for another credit card with the company. I asked for any type of documentation ( email, letter, even phone recording ) of the call confirming my complaint and their response, and I was declined of that request.

My account was used within the last year, and my last payment which paid the balance of the card was processed on XX/XX/XXXX. So my account was only 10 months of no activity. 

While I understand reviewing accounts and need for closure at times, I dont understand how this can be legal doing so WITHOUT prior notice or account reviews with the customer. Not only does this impact credit scores, but leaves people in situations like mine, where now I can not pay a medical bill, and the company is not held responsible in any fashion. So how do I pay for my medical bills now that I no longer have this payment method as planned? 

I have provided screenshots of my account with this complaint. The account will not even show my activity because it is closed. I have also provided a screen shot of my message account as proof I never received notice of the account being closed.
Product: Debt collection

While attempting to enter the United States XXXX in 2021, I attempted to attend XXXX University and begin the process of completing my XXXX XXXX. In the course of my time at XXXX though, my schedule began to conflict with the timing and scheduling of the classes I was enrolled in and forced me to not be able to complete them. At the time, I had no way of submitting paperwork to begin the withdrawal process from the University. Inevitably, I failed the semester and was then told afterwards that I owed not only the University, but the collections agency. It was determined in the following years that XXXX University was found to be a predatory institution by the U.S. Department of Education. Currently, Ability Reovery Service has claimed responsibility of the debt repayment, even though I have attempted to reach out to the University to rectify this situation. As a servicemember reentering the military, I was not and still am not sure if I was covered by the Servicemember 's Civil Relief Act.
Product: Credit card

I have been calling for months Citi back sent money from balance transfer to frontier communications and it needs to go to XXXX XXXX. I have them the information and the can not get it straightened out they will not give me a transfer number or will not help .this happen in XXXX for XXXX. Please help they have been investigating for months nothing don
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a closed account with XXXX XXXX that was closed in XX/XX/XXXX. The collection agency AFNI is reporting on my credit report that the Account was opened in XX/XX/XXXX. This is false information. This account was in collections before XX/XX/XXXX. I do not have an account with AFNI  and feel that if they are going to buy accounts that the correct dates should be reported. This needs to be removed because I do not even owe AFNI. 

These companies are reporting inaccurate information, which is in turn affecting my credit score which affects my way of living.
Product: Mortgage

I am a loan officer. On or about XX/XX/2020 my borrower was told by the builder/seller that if he used their lender he would receive a {$5000.00} closing incentive. He was told he would not get the incentive if he used his own lender. Naturally he used the builder/sellers lender. Her name is XXXX XXXX, NMLS number XXXX. She works for Loan Depot. Address : XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX, California XXXX. I have supporting documentation consisting of the Loan Estimate showing the seller credit and the purchase contract stating that the incentive is only good if my borrower used the builder/sellers Loan Officer XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

AN ACCORDANCE OF FAIR CREDIT REPORTING ACT CRYSLER CAPITAL XXXX HAS VIOLATED MY RIGHTS UNDER 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604A SECTION 2 IT ALSO STATES THAT CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY READING INSTRUCTIONS. UNDER 15 USC 1666B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER CREDIT PLAN AS LATE ON ANY PURPOSE.
Product: Credit card or prepaid card

My complaint is about charges made to my Bank of America account in the amount of XXXX by XXXX XXXX XXXX XXXX XXXX XXXX XXXX : As of XX/XX/19 the company is no longer in services shut down by the FTC and I was promised services for the big holiday weekends to help with sales and marketing. I have no access to any of my notes lessons and mentors for which I paid for my advanced education. Everything was at introductory level I never received my advanced education I richly invested in. I paid for 24 hours access to educational resource center ( website taken down by FTC ), Lessons with perfecting your pitch mentor which only happen once a month I received one introductory call. I paid for 10 Customized Mentor Calls for which the package was made for ( I only got one introduction call, my first call was only 10min, ( not what I invested all this money for. ) I  received XXXX  XXXX XXXX build logo and XXXX XXXX XXXX XXXX XXXX for one year to help with sales ( I no longer have access and never got landing page ) I was to have a XXXX XXXX  XXXX XXXX XXXX webinar and streaming ( never got that service worth over 6,000 ),  social media jumpstart working with a social media mentor ( only one introductory call and one assignment call which the company closed before we completed the task ) I was given a guarantee certificate to triple my investment of my tuition price XXXX which XXXX was charged to B of A account on XX/XX/19. On XX/XX/19 I also received a service commitment to see 100 % of my advance training back of XXXX which XXXX, was a debt of this service charge. Because of the companies fraudulent motives B of A has shut down my credit account due to utilization of my credit being too high and too many cards with balances which prevented me from being able to use my credit to start my business which was the sole purpose of getting the capitol. This too the company promised me and has failed me and left me with a bill Im disputing.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -The following inquiry was not authorized and should not be reporting. 
XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX -The following inquiry was not authorized and should not be reporting. 
XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX -The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -The following inquiry was not authorized and should not be reporting.
Product: Credit reporting, credit repair services, 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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.