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

I have been a loyal customer of Truist Bank for over 35 years, with four active accounts at your XXXX, VA branch. I have always trusted Truist with my banking needs, but my recent experience at this branch was deeply disappointing and unacceptable. 

On XX/XX/year> at XXXX XXXX., I visited the branch located at XXXX XXXX XXXX XXXX, XXXX, VA XXXX to exchange XXXX XXXXr bills for a XXXX XXXXl after using the ATM outside. When I approached an employee inside the bank to make this request, another employee standing nearby abruptly asked if I had an account with Truist. I informed them that I have four accounts. Despite this, they continued to ask for further identification, even though, they should not ask too many questions. 

At that point, I felt the line of questioning was excessive and unnecessary. Frustrated, I decided to retrieve my twenties and leave. However, I later returned to speak with the branch manager to express my concerns. Upon returning, I was told to sit down and wait, and when the manager arrived, his behavior was shockingly rude and unprofessional. Instead of addressing my concern, the manager loudly stated that if I didnt sit down, he would call the police. This aggressive and inappropriate response left me feeling humiliated and disrespected. 

I am incredibly disappointed with the lack of courtesy and professionalism displayed by the staff and manager at this branch. As a long-time customer, I expect to be treated with respect and dignity, not to be met with hostility or threats when addressing a simple concern. 

I urge you to address this situation promptly. I expect to receive an apology from the Branch Manager. I believe all customers, regardless of the nature of their visit, deserve to be treated with respect. If this issue is not resolved to my satisfaction, I will consider escalating my complaint further.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2017 XXXX XXXX XXXX placed an item on my credit report as a collection account for {$460.00}. I have no record or account of this debt owed to this company, nor do I know who this company is. I never received any kind of verification of debt by phone, email or mail. This account is not mine and I would like for the false, erroneous and unverifiable information to be removed from my credit report immediately.
Product: Bank account or service

I over the period of about 10 years basically wiped out my Rollover IRA. This was done via email through Letters of Authorization. I was never informed by the brokers at XXXX XXXX XXXX and then Morgan Stanley that these early withdrawals would be subject to early withdrawal penalties. In addition, this year when I got very ill and my wife took over via a POA she discovered that the Broker never contacted her about these withdrawals even though it is a joint Financial Management Account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to Equifax, XXXX, XXXX. 

I didn't hear back so I sent a Demand to comply with investigation on XX/XX/2020. 

Today is XX/XX/2020 and I still haven't even heard yet back from these Companies yet ; this has been over 42 days ago.!!
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

The letter I received indicated I could contact Financial Corporation of America through an online form to dispute the debt. Doing so, the letter said, would require them to stop collection until they sent information showing I owed the debt. The linked the XXXX XXXX XXXX 

I went there and all attempts to submit the form were met with a red error box stating XXXXThere was an error trying to send your message. Please try again later ''. I made no errors on the form, and even so there were no indications from the form as to which field may have triggered the error. In short, it is impossible to contact them via the form they provide if one wishes for them to cease collection until given information regarding a debt.

Additionally, this form is part of a website plugin I used to use daily in my previous website development career. I am very familiar with the error it returns. I have a strong suspicion that, given the incentive this collection company has to have debtors not contact them, they may have orchestrated the website in the backend to return this error on purpose.
Product: Credit reporting or other personal consumer reports

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Product: Debt collection

I have received several bills from XXXX saying I owe {$1700.00} to Capital One Bank. The most recently dated XX/XX/20. 
This is a fraudulent claim. Years ago the same fraudulent claim was made, I researched it, disputed it and it was found to be fraudulent and therefore was dismissed. 
It has now resurfaced again. 
This company is committing fraud for demanding I pay money for a debt I did not incur.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported inaccuracies on my credit report. I've requested the inaccurate information to be removed. The credit bureau has not provided any verified or factual information to me as to why the inaccurate information is remaining on my credit report. 

XXXX XXXX XXXX : Account # XXXX Inaccurate information reported. This account should be removed from my report. 

XXXX-RETAIL : Account # : XXXX Inaccurate information reported. This account should be removed from my report. 

XXXX XXXX XXXX : Account # : XXXX Inaccurate information reported. This account should be removed from my report. 

XXXX XXXX CARD SERVICE : Account # : XXXX Inaccurate information reported. This account was paid in full and voluntarily closed by me. It was not late.
Product: Money transfer, virtual currency, or money service

I am writing this to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighted significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with inquiries I did not apply for or authorize please delete
Product: Mortgage

XXXX PNC Bank has terrible reviews across the internet for good reason. And they have been ripping me off FOR MONTHS. 

I tried in good faith for THREE MONTHS to work in person to get my issues resolved, but their flippant responses and continuation of bad practices were impossible to deal with. THEY DO NOT CARE ABOUT THEIR CUSTOMERS AT ALL. 

This is what happens when you have ONE BAD ACTOR at the helm, who has named himself CEO, president and chairman of the board. 

Specifically, the terms of my loan are that I owe INTEREST ONLY, but if the interest only is less than a {$75.00} minimum monthly payment, I will have to pay {$75.00}. This was reiterated to me on the phone by someone named XXXX at around XXXX XXXX on XX/XX/22. 

The BALANCE of that {$75.00} minimum payment should have been APPLIED TO PRINCIPAL, but instead, PNC Bank stole the money. 

On XX/XX/XXXX, {$75.00} - {$11.00} actual interest owed per statement equals {$63.00} stolen from me. 

On XX/XX/XXXX, {$75.00} - {$28.00} actual interest owed per statement equals {$47.00} stolen from me. 

On XX/XX/XXXX, {$75.00} - {$49.00} actual interest owed per statement equals {$25.00} stolen from me. 

On XX/XX/XXXX, {$75.00} - {$57.00} actual interest owed per statement equals {$17.00} stolen from me. 

PNC Bank owes me {$150.00} PLUS INTEREST accrued using their usurious math - backdated to the dates when they originally stole my money. 

-- -- -- - Apparently my annual fee is assessed in XXXX each year. PNC statements are difficult to read, but I have reviewed them closely. They are attached. I have no quarrel with the annual fee. 

THIS ALL COULD HAVE BEEN HANDLED IN PERSON. 

Furthermore, I find it reprehensible that I can not make a principal  payment unless I do it on the 12th of the month, and in spite of making every effort to be a good customer and pay off my loan, they want to get their FEES FIRST no matter what. What a terrible, awful company. I miss BBVA so much.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and concern regarding the persistent inaccuracies in my credit report. This marks my XXXX complaint about the reporting of incorrect personal information, and I am frankly baffled by the continued presence of these errors. 
The most alarming issue is the multiple variations of my address being reported. This is not only confusing but also deeply embarrassing for me. I want to emphasize that I have consistently provided you with my correct and legal personal information. 
I am formally requesting the immediate deletion of the following incorrect information from my credit report : Employers : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Phone Number : XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX These entries are entirely inaccurate and have no place in my credit report. I urge you to remove this incorrect information as swiftly as possible. I am gravely concerned about the potential harm this may cause to my future prospects with employers and creditors who may review my credit report. 
The current state of my report paints a misleading picture, suggesting that I have simultaneously resided at XXXX different locations, with various phone numbers and employers. This gross misrepresentation of my personal history is unacceptable and potentially damaging to my reputation and financial opportunities. 
To facilitate the correction process, I have enclosed copies of my current Driver 's License, Social Security card, and a recent Utility Bill. These documents serve as proof of my identity and provide the correct information that should be reflected in my credit report. 
I expect this matter to be addressed promptly and thoroughly. The repeated need for corrections is not only frustrating but also raises serious questions about your data management practices. I reserve the right to pursue further action if these inaccuracies are not rectified in a timely manner. 
Thank you for your immediate attention to this critical matter. I look forward to receiving confirmation that these errors have been corrected and that my credit report now accurately reflects my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX did not authorize the following companies below to pull my credit. Each company is in violation of my rights as a consumer and I have tried to get these taking care of months ago with no headway XXXX XXXX -EQUIFAX MORTGAGE SERVI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am in the process of renting a building and the information that is being shown is holding up the process. According to the provisions of the Fair Credit Reporting Act 604,611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30days. During the investigation period, the item I am disputing must be removed from my credit report.
Product: Credit card or prepaid card

I purchased a refrigerator in XX/XX/XXXX from Conn 's Home Plus. In XXXX of XXXX, I began having problems with the refrigerator ; the freezer was not freezing and it was making a loud humming noise. I purchased a warranty for this refrigerator. The Conn 's technicians were at my home three times and was not able to repair the refrigerator. Conn 's stated they will give me a full credit for the refrigerator, {$1100.00} and agreed to purchase another refrigerator. I purchased a new refrigerator on XX/XX/XXXX, to replace the defected refrigerator. Again I purchased a warranty. The defected refrigerator was picked up by Conn 's on the same date of the new purchase ; new refrigerator purchased was delivered on XX/XX/XXXX and the defected refrigerator was picked up on same date. 

I have made numerous attempts by calling and sending emails to both Conn 's and Synchrony ( the purchase is being financed by Synchrony Home account ending in XXXX ). Both refrigerators are still reflected on my Synchrony account ; I have only ONE refrigerator ; the purchase of the second one is {$3500.00}. My credit score has dropped and now Synchrony is stating I'm past due with them by an amount of {$160.00}. I have made my monthly minimal payments due to Synchrony timely each month, with a " zero interest '' for two years. Synchrony representative informed me my payments increased from {$70.00} to {$130.00} ; I have paid {$70.00} monthly since I purchased the refrigerators. I was not informed my payments would change. I am still waiting on the credit for {$1100.00} for a refrigerator which was picked up. Neither party has resolved my issues. 

I will attach copy of my invoice for the replacement of the refrigerator which was on XX/XX/XXXX. The amount of credit is on the Conn 's invoice, plus notation of the exchange. I am also provided you with my last statement I received in XXXX, reflecting the {$70.00} minimal payment ; which show no changes for the purchase in XXXX, however, no credit of the exchange.
Product: Credit reporting or other personal consumer reports

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Product: Mortgage

I have a mortgage with PennyMac loan services. My actual valance is {$210000.00}, for 25 years for and my home value is {$310000.00}. I have a good payment history and it is my only loan with them. 
when I called them to cancel my PMI. they told me that it is not possible because it is for the life of my loan. 
Then they told me to avoid the PMI I have to refinance my loan, but what happen : they increase the percentage of my loan to 4 % to 4.78 %, and I have to pay my closing cost again for about {$5000.00} and {$450.00} for the new appraisal. and the new loan will be for about 30 years. 

What happened with them? I don't understand that the PMI will take out with no problems.
Product: Credit reporting or other personal consumer reports

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

Account name : XXXX XXXX Account number XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15U.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.

These inaccuracies are stopping me from getting a house for my family and a car for kids and must be removed immediately.
Product: Checking or savings account

This is a continuation from the complaint I find : XXXX that was submitted on XX/XX/2022. 
Bank XXXX Citizens Bank I am still receiving overdraft charges etc. as well as charges from my creditors. I wanted my account to be frozen so nothing else would occur. I forgot about a scheduled payment ; and hoping that since my account is overdrawn the bank would not send the check to my creditor. Well, I was wrong and they did! And it got returned ; which is an huge embarrassment and is costing me more fees on that end. I am drowning in all of these fees. 

I need some relief from the bank. If you look at the beginning of all of this ; it is sickening in everything I got charged. 

I would like to be reimbursed for all of the fees; including the fees my creditors charged me for returned payments ; that I tried to avoid ; but the bank would not freeze my account or do anything to help.
Product: Mortgage

On XX/XX/XXXX I applied for a {$45000.00} Home Equity Loan with Rocket Mortgage. I was approved that same day with an approval email from Rocket. There were no subject to items or conditions with the approval email. I was told our debt/ income is no issue, the XXXX no issue, and the credit no issue. I explained to the loan officer, XXXX XXXX, that I had prior credit issues but that it cleared getting the first mortgage with Rocket on XX/XX/XXXX. He said all is fine. XXXX been prepaying our first mortgage with Rocket by {$400.00} per month. We signed all sent documents on XX/XX/XXXX, the appraisal was ordered, updated W2 statements uploaded, and title work began. On XX/XX/XXXX, I was told the past credit issues prevent the loan. 

I appealed with Rocket since I was issued a binding approval. It's gone up Rocket 's corporate solutions ladder. Today, XX/XX/XXXX, I was told by Alex Coop there is nothing they can do and that they, " Installed new software and clearly more training is needed with their loan officers. '' That's not my fault. They approved us. It is my understanding a lender can only pull out if there are specific changes/ findings from the time of approval. There were no changes. They simply can't fit it into their underwriting box despite being told on day one we fit all parameters and were issued an unconditional approval. 

I'd like our loan. My credit now has a hard pull which has lowered its score. Or Rocket can offer an unsecured {$45000.00} loan to us but declined that option. I suggested that. 

I hope you can help in this matter and hold a lender accountable. Consumers have rights and this is a violation of fair lending practices.
Product: Mortgage

During the XXXX financial crisis, I was unemployed for 6 months and this put me in debt. After getting a full time job, I applied for a loan modification with Navy Federal Credit Union ( NFCU ) and I was told by the rep that NFCU could not approve me because of my credit card debt. I told them I was working out payments with the creditors too, but the response was clear, if I didnt have those Credit card payments I will be approved the modification, so I told NFCU my house was more important and I stopped paying my credit cards and my temporarily loan modification was approved. Later, I got suit by my creditors and this pushed me into bankruptcy in XXXX. NFCU told my bankruptcy attorney that they will not do a reaffirmation agreement, but I continued to pay this loan for 2 more years, even though my debt to Navy Federal Credit Union ( NFCU ) was discharged in bankruptcy in XXXX. Because my property was underwater at the time of the bankruptcy, this junior lien should have been stripped from my property. This was the practice at that time, but for some reason the lien is still attached to my property. Because of this lien, I have not been able to take advantage of the low rates, like many Americans, and I have been forced to pay a high mortgage rate for my first mortgage. Now with Covid-19, Im facing financial hardship. My first mortgage has a high rate, but I can not refinance because of this junior lien from NFCU. I sent NFCU a letter this week asking them again to release the lien, so I can avoid the risk of loosing my home. I need your help to get them to release this lien. NFCU has charged off this debt already and I even paid them interest only on that loan for 2 years after the discharged but enough is enough.
Product: Credit card or prepaid card

Bank of America opened an account on XX/XX/2022 in my name and social security number, but it wasn't me, called to close account and it's still open
Product: Mortgage

Mr. COOPER bought my loan from XXXX XXXX and lost my data a few days later to the Dark Web. The way they handled the situation was horrible. They gave no details and let us know only after the mainstream media got a hold of the news. 
Aside from that catastrophe, contacting them is an ONGOING NIGHTMARE. You try to call them and get an actual human being. Their website has one phone number on it hidden within many links to click thru before you get to it. Their automated machine is garbage. 
Do you know how it feels to go from XXXX XXXX to Mr Cooper losing all my data to fraudsters and not being able to even contact them about a simple question about my mortgage?
Product: Credit reporting or other personal consumer reports

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.