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

I was incarcerated XX/XX/2021 and was not released until XX/XX/2021 I had {$15000.00} in savings acct and money in checking. While I was incarcerated someone got my debit card and was making unauthorized withdrawals. When I got out of jail my savings was - {$98.00} and I had {$4.00} in my checking. I tried straightening this out with the bank which is PNC but they didnt even want the paperwork showing I was in jail at time they just said they were valid charges. I never authorized anyone to use my debit card while I was in jail. I have been left broke they now closed my acct which is $ XXXX and no one will Return my call From debit card fraud department
Product: Credit reporting or other personal consumer reports

PENNYMAC LOAN SERVICES L fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). PENNYMAC LOAN SERVICES L is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to XXXX by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a charge-off listed on my credit report by Bank of America XXXX After reviewing my credit report, I believe this charge-off is inaccurate and does not reflect the actual status of my account. I am seeking your assistance in investigating this matter under the guidelines of the Fair Credit Reporting Act ( FCRA ). 

I have attempted to resolve this issue directly with the creditor and through the credit reporting agencies, but the matter remains unresolved. The charge-off is causing significant harm to my credit standing, and I request an investigation into its accuracy and validity. 

I kindly ask that you : Investigate the accuracy of the charge-off reported by the creditor. 
Ensure that the creditor provides proper documentation verifying the validity of this charge-off. 
Remove or correct the inaccurate information if the creditor can not verify the legitimacy of the charge-off. 
I appreciate your attention to this matter and look forward to a resolution. Please keep me informed of the progress of this dispute.
Product: Mortgage

Back in 2009 I noticed after being denied of an auto loan that I was a victim of identity theft. THis was brought to my attention when a received a copy of my gredit report and noticed that XXXX home loans were completed and issued under my name and social security number. Chase is XXXX of the banks that are currently still holding this account under XXXX name and have refused to remove it even after I have provided them with all of the necessary information to remove this from my name and my credit report. I sent them an affidavit, copies of my XXXX, as well as photo copies of my drivers licence, social security card, and a police report that listed all of the mortgage loans and the fact that they were a direct result of identity theft. It has now been several years that have passed yet I am still dealing with these issues which have made my financial life a very hard one to live.
Product: Money transfer, virtual currency, or money service

Good day Sir/Madam, I am writing to make a complaint about a failed wire transaction that has been on going since XXXX 
This transaction was done in person at TD bank branch num XXXX. The sum of {$65000.00} was transferred from my business account ( XXXX XXXX XXXX ) to XXXX XXXX XXXX ( XXXX ). The beneficiary did not receive the funds at the stipulated time which was suppose to be within 7 working days. 


On XXXX I went to inquire at Td bank branch about the delay. A bank representative A confirmed to me that the funds had been reversed and that I will get the value back into my business account within 3-5 business days. 


Today XXXX I spoke with customer service XXXX that refund time as elapsed. I was told again to wait till XXXX  before the reverser is completed. 

Am requesting for your intervention in this matter as my business is in distress because of this delays. I look forward to your kind response. 

Sincerely, XXXX XXXX XXXX.
Product: Checking or savings account

I received an email from a company called Chime and it stated that I had a bank account and its been used since XX/XX/year>. I never set this account up so I thought it was an error. I called them and told them they accidentally put my email address down on someone elses account and theyve also sent out an email to me with that persons account number and routing number, they told me that it was set up in my name and that I needed to file a police report or report with the FTC to get this removed in the account closed
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I called this company XX/XX/24 and I have disputed this information many times. The account is XX/XX/XXXX. That they refuse to remove. The account is old past 7 years. The dates and amt this company is reporting are all false and inaccurate. How can something still report as open when its been over 7 years. As the law states I have the right to have any inaccurate information disputed and deleted if any information reporting is incorrect. Please remove this account according to the law its been over 7 years. XX/XX/XXXX has also had many law suits filed against them for fraudulent activity.
Product: Credit card

I rented a car in the XXXX on XX/XX/XXXX. The car broke down at a Supercharger on the XXXX. I paid a XXXXXXXX XXXX ( {$1900.00} ) excess on the vehicle. The rental company XXXX took this money despite my requests for evidence about damage to the vehicle. As of late XXXX the car had, according to XXXX, not yet been serviced so I have no evidence of damage. 

I initiated a chargeback through Chase but Chase determined the charge as valid, even though I regard it as fraudulent. Chase has closed the despite leading me to seek alternative remedies.
Product: Debt collection

I have been repeatedly contacted by Professional Finance Company about a hospital bill from XXXX. I sent a certified letter on XX/XX/XXXX in response to their claims that I owe money, I responded within 30 days of their last collection letter. I asked for proof of the debt and what amount they will settle for if it is proven to be mine. My letter was received by " XXXX '' at PFC on XX/XX/XXXX, and I received no response or proof of the debt from PFC. 

Today ( XXXX XXXX XXXX ) I received another letter dated XXXX XXXX threatening to take legal action against me if I don't pay them {$1300.00}. They did not acknowledge my request for proof of the debt and they are still adding interest to the amount. Bear in mind, THEY STILL HAVE NOT PROVEN THAT THIS DEBT IS EVEN OWED BY ME. Just threats and demands. 

I guess I'll just see them in court since they're going to sue me over a debt they can not provide proof of!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to call companies several times to which they ( misspell some things sometimes and also change around wording ) have transferred me several times and they finally hang up on me. here is the list of inquiries : Here is the list of inquiries : XXXX : XXXX XXXX XXXX XXXX XXXX Equifax inquiries : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a 2-page letter from XXXX XXXX  XXXX XXXX XXXX XXXX dated XX/XX/2021 regarding a claim about a XXXX XXXX XXXX vehicle that I had rented in XX/XX/2021. I never received a validation of this investigation or claim by XXXXXXXX XXXX XXXX 

It is now my understanding that XXXX XXXX XXXX has refused to validate this claim, but to forward it to another debt collector, Viking Client Services under the same claim number.
Product: Credit reporting

I am filing this complaint because Experian has ignored my request to provide me with the documentation that their company has on file that was used to verify my accounts that I have disputed. Being that they have gone past the 30 day mark and can not verify the accounts in question, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you for your attention to this matter.
Product: Mortgage

XX/XX/XXXX Consumer financial Protection Bureau This is regarding my mortgage with Selene Finance I logged into my account this morning and i see I have XXXX late fee due with my XX/XX/XXXX payment I called XXXX and they were unable to tell What this is XXXX 

I already payed a XXXX corporate fee with my XX/XX/XXXX payment ( explain to me for what and when was this corporate fee for?? I want proof that what you said Was done was actually done ) I already payed a XXXX NSF fee I was told my late fee that I received for making my XX/XX/XXXX payment was waived. 

They just keep on adding on fees with out an explanation and when you call them the CUSTOMER service rep says " they dont know '' XXXX please answer the following who is my investor?? 

And is my loan A government-backed loan?? 

Thank you
Product: Credit card or prepaid card

To whom it may concern : I am writing to lodge a complaint against CapitalOne Credit Card Services.  I have been repeatedly denied a higher credit limit over the eleven year period that I have been a customer of CapitalOne. As of the date of this my credit score is XXXX. I allege that CapitalOne is employing unfair business practices and a bias application model to arrive at credit decisions. This is supported by the fact that I have been a customer of theirs, and their predecessor, Orchard Credit Card, for eleven years. In that time I have been granted only one increase of {$100.00} to {$400.00}, then to a total available balance of {$3500.00}. Since my credit limit increased by a total of {$3100.00} when I was not using their credit card, then it stands to reason that they should grant an increase when I have been using my credit card more frequently. However, their decision states that I am not eligible for a credit increase due to Recent use of this account 's existing credit line has been too low. This is an arbitrary, prejudicial and contradictory statement, since I was granted a credit limit increase when I was not using this credit card, or when I used it with very little frequency.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXXXXXX 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 any 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

It has come to my attention that you are failing to REMOVE files upon receipt of an FTC report. Should you opt not to eliminate the subsequent items listed below, which are inaccurately reported due to errors in credit reporting, I will be transferring my documents to my attorney to initiate legal action. My preference is to avoid legal proceedings, so I urge you to comply with the law. Kindly remove the following inquiries as they were opened without my consent or knowledge : XXXX : XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX # XXXX XXXX MI XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX -- -- XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX. If you assert that these inquiries are 100 % accurate and verifiable, I require copies of any documentation associated with these inquiries and addresses bearing my signature, as I am aware of none. Without such documentation, bearing my signature, I formally request the immediate deletion of this information from the credit file associated with my Social Security number. Please be advised that you have four business days to remove the reporting of any items in my credit file resulting from alleged errors in credit reporting. I do not consent to XXXX or any form of automated verification.
Product: Checking or savings account

My account is was frozen after receiving a transfer of XXXX dollars from a linked bank account the bank sent me an email asking for some information that I provided a few days later such bank received my information on a Tuesday but in the meantime I had call to such bank on Monday a day prior to me providing the information asked for the reason why was i not able to use my debit card they didn't have an answer only thing I was told was i can't see any reason but someone will call you within 3 to 5 day with that being said Friday out of the same week 4 days later I reached out to the bank with hopes of having my account reinstated but the only response I get is that my account is still frozen for an unknown reason that I would have to talk to an specific department that was not available at the time then I asked for my account to be closed they said to talk to that specific department to have my account close i said well you guys have deprived me from my money for 8 days now now I demand my account closed I want to cut all laces between me and this bank right this second I don't want to here from this bank anymore I don't consent this bank to use any of my personal information for any reason I don't authorize this bank to call email me for any reason then the associate closed the chat 2 to 3 min later with the excuse that I didn't reply and I have all the transcript from the chat between the bank representative and me
Product: Student loan

Around XX/XX/XXXX, I made my 120th qualifying payment for my PSLF program to my servicer, MOHELA. I submitted my employment certification form ( ECF ) early XX/XX/XXXX, saying I qualify for forgiveness and asking my payments to be deferred until the loan is forgiven. MOHELA sent me bills in XXXX and XXXX. I made one more payment I should not have had to make in early XXXX. MOHELA said I have to re-apply for the income driven repayment ( SAVE ) program, even though I should not have to make any more payments. So I did reapply. Finally in XXXX, my account shows payments are in forbearance until XX/XX/XXXX, and that I have made 120 of 120 qualifying payments under the PSLF program. But it still shows I owe a balance, and interest is added to the balance every so often. MOHELA claims they await information from FSA and the Dept of Education and MOHELA will not grant forgiveness until FSA verifies I qualify. I have reached out to FSA, and they gave me a case number instead of responding. Then I got emails from MOHELA saying they did not receive my ECF in over a year. And that MOHELA will be changing its " platform ''. 

I have timely submitted every form and payment in full. I have satisfied every requirement for loan forgiveness under the PSLF program, and my servicer, MOHELA, will not process my loan forgiveness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had issues with identity theft and filed a FTC report, police report and all required identification documents to have the incorrect information removed from my credit report. XXXX has removed the incorrect information. XXXX has removed the incorrect information. Experian is has not removed the fraudulent account. I have written letters and spoke with them over the phone but they do not follow proper FCRA procedures and are not removing the account. The Account is from XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I reviewed my consumer report and noticed an adverse item being furnished by XXXX XXXX for an alleged debt owed in the amount of {$1100.00}. As of XX/XX/XXXXXXXX XXXX XXXX  had been notified of ; the misleading, inaccurate information, my right to refuse to pay such alleged debt and to cease all further communication conveying the inaccurate information. This included but not limited to ; telephone calls, emails or any furnishing of information to the consumer reporting agencies. 

XXXX XXXX can not furnish this alleged debt to a consumer reporting agency before first contacting the consumer. I Never received any initial notice and communication or ANY correspondence or communication in regards to such alleged debt. pursuant to sections 814 ( d ) and 817 of the Fair Debt Collection Practices Act ( FDCPA or Act ), 15 U.S.C. 1692l ( d ), 1692o ; title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act ( Dodd-Frank Act ) Pursuant to 1006.38 XXXX XXXX must cease collection of the debt until XXXX XXXX sends a copy of verification of the debt or of a judgment to the consumer in writing or electronically in the manner required by 1006.42 ; XXXX XXXX is a furnisher under the Fair Credit Reporting Act. by law at the time of XXXX XXXX being notified at the address specified in Exhibit ( ) of the inaccurate information they are furnishing, XXXX XXXX  shall have cease the furnishing of any information to the consumer reporting agency Pursuant to 15 USC 1681S-2 ( a ) ( 1 ) ( ( B ) ( i ). 

It has been well over 30 days and XXXX XXXX has failed to comply and respond to such notice and correspondence. XXXX XXXX has failed to XXXX XXXX has strict liability and must comply with all statutes and regulations set forth. Negligence of the law is no excuse. Under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, XXXX XXXX can and will be held Civil liability due to Non-compliance. ( 15 usc 1692k ( c ) XXXX Midland Funding, LLC XXXX XXXX 137 S. Ct. 1407 ( 2017 ) XXXX XXXX XXXX XXXX
Product: Mortgage

I have a XXXX mortgage with Chase and I am aware that my interest rate will started become a floating rate, which essentially goes up from 2.75 % to 7.75 % in XX/XX/XXXX. I called Chase and even visited Chase Bank in XXXX XXXX, the local branch supervisor assured me that as long as I paid off the entire loan principle by end of XXXX, I will not be paying the 7.75 %. I believed in that. but on XXXX, when I am asking Chase for a payoff quote, it shows even if I pay in XXXX, I will be paid for the new rate, 7.75 %. i called custom service, they did some investigation and saying that for my loan, the interest is XXXX month ahead, so I should be actually starting paying the new rate XXXX month earlier. This is very unfair and not transparent to me, no one explained to me this before and the branch didn't warn me of this as well. They said they had sent a letter to me saying the rate is going to increase on XX/XX/XXXX but I saw in the same letter, they also say " Under the terms of your Adjustable-Rate-Mortgage, you have a 84 month period during which your interest rate stayed the same. that period ends on XX/XX/XXXX, so on that date, your interest rate and mortgage payment change ''. so it says rate changes in XX/XX/XXXX on that sentence. How can a customer believe the rate is actually changing in XX/XX/XXXX by reading such statement. This is very bad and misleading. also the interest they are charging me as of 7.75 % is from XX/XX/XXXX to XX/XX/XXXX, it is even unbelievable, even XX/XX/XXXX is charging 7.75 % now?
Product: Checking or savings account

Unable to verify or connect pnc account to other banking institutions
Product: Debt collection

OnXX/XX/2018approx XXXX EST I received a call from someone who identified themselves as working for XXXX XXXX XXXX . This person asked if I was my name and I replied in the affirmative. The agent never verified my identity though DOB or last 4 of my Social Security number then proceeded to disclose a debt to me, including the full amount owed and to whom. I believe this violated the FDCPA as only my name was asked and my ID was never verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reinvestigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ), please investigate the unverifiable accounts below and correct it in my file immediately : DEPTEDXXXX XXXX Balance Owed : {$6100.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$19000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am extremely concerned about the actions the credit bureaus are having on my life..I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I do not own the accounts ... CFPB step up and remove the following XXXX   XXXX XXXX, XXXX XXXX, XXXX   XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX AT XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX  XXXX
Product: Money transfer, virtual currency, or money service

I'm writing to express my concerns regarding Zelle 's handling of disputes, especially in light of the recent CFPB lawsuit. After using Zelle many times and reporting discrepancies, neither Zelle or my financial institution XXXX XXXX XXXX XXXX ) investigated my claims correctly. I was told lost funds were irrevocably gone and tracking these transactions was impossible. The findings of the CFPB lawsuit have shown that Zelle as well as my financial institution XXXX XXXX  XXXX XXXX ) are culpable for the mishandling of thousands of accounts while allowing fraudulent charges to stack. This has left a huge hole in consumer safety and the integrity of these systems has been completely obliterated.
Product: Debt collection

I have been receiving several calls from this number, asking to speak with my son. I informed them that he does not live here and I would appreciate it if they stop calling my phone. I receive calls everyday from this number even after I have asked him to quit calling me. This morning I was contacted by a female representative who told me that she was working on a project with my son. I once again ask them to stop calling my number, and inform them that he does not live here. I am tired of the harassment every day.