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

PNC Bank, N.A. is refusing to send funds upon death of account holder. 

Account has a stated beneficiary listed and bank is stonewalling and requesting a new account be opened in THEIR bank in the name of the new beneficiary. 

All requested documentation has been furnished including confidential information which, in retrospect, may not have been required. 

The correspondence reference numbers are : XXXX ; XXXX. 

Correspondence and recorded telephone calls have been made. 

Demand in last phone call for funds payable to beneficiary. 

Bank is stonewalling and requiring an account be opened with possible fees. 

Calls to phone number XXXX can never be forwarded to appropriate personnel further stonewalling and frustrating collection efforts.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX / XXXX /2017   I  received correspondence from CFPB #  XXXX  regarding a complaint filed on   XXXX / XXXX /2  017 a gainst  Advanced Res olution Solution  Services , Inc,   I calle d ( ARS ) an d spoke to a  XXXX   XXXX  regarding the accuracy of the bankruptcy that is placed on my report I sent documentation from the courts that stated that they do NOT report to credit reporting agencies and also confirming that there is false information on my report she stated that the report was accurate and direct me to look on pa ge 6 of 8 on  the report up under the account information and there should be a statement that read " Bankruptcy record furnished by Advanced Resolutions services,  inc. '' I told her that the area that she was speaking of was blank on the report that was maile d to me o n  XXXX / XXXX /2017 she asked me to fax over a copy and I stated that I would.fax the document on  XXXX / XXXX /2017, enclosed is a copy of said report page 6 of 8.and a copy of the fax cover sheet. I am requesting again that the recor d be permanently deleted off of all my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you because Transunion is lying stating that they are not receiving my dispute letters to remove fraud information off my credit report. I have mailed all the documents they requested mailed beginning XX/XX/XXXX they received on XX/XX/XXXX ( which they say they never got ), mailed again on XX/XX/XXXX they received XX/XX/XXXX, which they say they received but it did not come from me even though I kept calling before they got the letter after this I mailed the letter again on XX/XX/XXXX which I have proof they got it on XX/XX/XXXX but they say they have never gotten it. I have proof from the USPS that they have it! I paid extra for tracking and Transunion has a lie each time. I am requesting that these inquiries for XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXXXX/XX/XXXX XXXX,, XXXXXXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXXXX/XX/XXXX. I have attached the FTC report and my identification information.
Product: Credit card or prepaid card

I contacted Chase onXX/XX/XXXX to advise of my flight being canceled & an incurred hotel expense. I have the Chase Reserve Card that has travel insurance. I was told that a claim form would be emailed to me. Two weeks later I contacted them again when I had not received anything. They advised the email had not sent. I submitted the claim form and all requested documents. They then advised the documents would be reviewed within 5 days. Two weeks later I called for an update, they said they'd do it then. I then got an email requesting documents that I had already submitted. I submitted them a second time. Chase seems to be delaying in an effort to not pay the claim in accordance with their cardmember agreement.
Product: Credit reporting or other personal consumer reports

I have been making on time payments since XXXXXXXX XXXX XXXX I have made it a point to keep my payments current and made efforts to provide extra payments several times i. order to ensure my payments were kept " on-time ''. I've called the creditor several times and expressed my concerns and every time I call I am put on hold for extended amounts of time or given a confusing explanation of how the company has kept the record of my payments. 
In XX/XX/year>, I paid the account current because I was behind and i was finally able to pay current the account. They sent a tow truck to attempt to haul the truck away, but the attempt was unsuccessful. The tow truck company damaged my vehicle while acting under the direction of the creditor. Santander required that I pay for the tow truck fees and storage fees even though the truck was not towed or stored anywhere but my garage. The fees were over {$400.00}. They also made me pay seeral XXXX XXXX  of misc.fees. I paid over {$3600.00} to Santander that day. 
From that point on I have made it a point to keep my payments current. I have also made several extra payments to stay ahead of the scheduled payments. 
Last month I made XXXX payments again and they still wanted to charge me with late payments and went even further to report my account as late. Last week I made a payment and there was fees I have to pay because Santander stated it is overdue again ; remember, I just paid XXXX payments in XXXX ( {$1800.00} ) and XXXX in XXXX {$690.00} ) ( my payments are only $ XXXX mo XXXX ) and a payment in XXXX ( {$640.00} ). 
These are the amounts the creditor claims were due for these months. 
I need to report this company is misallocating my payments in a major way. Please help me with dealing with this predatory lender. 
They have also reported my account as late XXXX times in the last XXXX years. This is not true. I have proof that I have made an excess of payments towards this account. 

I request the creditor remove the late payments and credit my account as they should and wipe this account as paid for the stress and impact their methods have caused me and the financial strain their misallocation of my funds has caused.
Product: Student loan

Your categories do not address my needs, which is no surprise. Why not have a category for cancel immoral, illegal, unjust, capitalized usury? I have paid {$69000.00} for the last 23 years on time, I only borrowed {$34000.00}. I am requesting and have requested ( begged ) via Navient and the Department of Education Ombudsman that the rest of the usury amount showing owed be canceled. I requested a copy of the phone calls I made on XX/XX/XXXX, they advised I need a court order or must hire an attorney. Really!!?? Incur more expense and time dealing with a loan I have paid for twice? Navient is one of the main reasons that Americans no longer have ANY trust in the so-called system. It is rigged by greed from top to bottom. Navient 's agents and supervisors are merely hired gatekeepers without a good moral compass. They and the Department of Education hide behind complex laws and regulations that they bribed legislators to pass. This is the height of evil. If you all are just playing with people and pretending to protect consumers, you are also evil. If you send me a scripted response instead of actually meting out justice, it will prove my case. I have paid what I borrowed TWICE. The right thing to do would be to just cancel the rest and move on. The government via Navient and it's pawns wants to enslave me for life. My loan was consolidated in XXXX, 27 years ago, I originally borrowed in XXXX, 36 years ago!!!! I was in school full time from XXXX getting a Ph.D. Unfortunately, that was a mistake on my part, believing in the so called American Dream. But, I have paid a VERY high price for this mistake already, and should not pay another day!!! You people will not get away with this financial genocide that you are perpetuating on Americans like myself. From this day forward, every dollar that is exhorted from me via usury and capitalized usury added to my original amount will be a mark against this government, because it is rooted in systemic elitism that is encoded within labyrinth student loan laws. The government has not fooled us! I don't care how many laws and lies you throw my way, they are all UNJUST. Every dollar that I pay going forward will also be blood money on your hands because you are not working hard enough, boldly enough, or courageously enough to do the right thing. Lastly, one of Navient 's supervisors even laughed at me while I was crying. That's OK. It demonstrated to me how right I actually have been about the systemic corruption, systemic elitism, and for those of us who are XXXX systemic racism. I will WIN in the end because I have done the right thing. The government can hide behind unjust laws, Jim Crow Codes and Regulations, and deceive itself forever. Rest assured that it will be amusing conversation to the XXXX, but it is not amusing to me!
Product: Debt collection

On XX/XX/XXXX, I received notice from my mother who is not on the account or an authorized party to the account that she received a call from IC Systems. They stated that I had an account in collections for me. Provided her with my name, address, email address, phone number. The name of the account as being with XXXX, the amount of the debt, how many days past due the debt was. They knew this was not me yet they provided all of the information to an unauthorized 3rd party and violated my rights under the FDCPA. 
She indicated this was not my number ( which it is not ) and that she would give me the message and hung up. She then notified my about one hour to an hour and a half later that they called her back again looking for me on this debt after she already told them this was not my number and after they already disclosed my debt! My wife called the company and immediately asked for them to cease and desist calling. They kept asking when we were paying. She told them that they had violated the law and disclosed all of our personal financial information. They just kept saying ummmm. They said that they would send me to consumer affairs and after 4 attempts to reach someone and more than 14 minutes of being on the phone, no one at consumer affairs came on the line. While on the phone, I discovered that this company is known for their deceptive practices while attempting to collect debts and their known FDCPA violations. I told them this was not right and again I did not get anywhere. I feel as if my privacy has been grossly violated and that the continual calls and violations need to stop. I need to ensure calls to XXXX have completely ceased as this is not my number and no information should be disclosed to anyone but myself or my wife. I truly feel that due to the known violations of the disclosure that my credit should be cleared and the debt expunged and that XXXX should seriously look into an accredited collection agency which IC Systems is not. Also, when my wife called the company, they did not disclose their name as they should while initially calling their XXXX number. She had to ask them the name of the company and for details.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX : XX/XX/XXXX Last 4 of SSN : XXXX Hello. I am contacting the CFPB today to detail my recent experience with identity theft. 

XXXX XXXX, the individual who stole my identity, lived with me for XXXX years. She made copies of my social security card, driver 's license, and birth certificate during her stay. She proceeded to open up numerous accounts in my name with no authorization from me. I am trying my best to remedy the fire she started but she has been the direct cause of the crippling debt that is reporting to my credit report. I have also filed a police report, but this is all I can do as she is nowhere to be found. 

After researching for hours on the best ways to help my situation, this CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that the XXXX, Experian, and XXXX credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following accounts are the fraudulent/unauthorized accounts in question XXXX XXXX XXXX XXXX XXXXXXXX Inquiries XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX
Product: Debt collection

Called my work and said they were the courthouse and that I owed money. Once I got on the phone the woman said I never paid anything to ACE, when in fact I did. I said to please send me a statement by mail so that I can review this claim. I was told it was too late for that. I was told if I pay now that I can pay less for a settlement. I said let me know the name and address of your collection agency and that I would get back to you. She refused and said I dont have time for this. She gave me a number to call back, but didnt give me a name. I told her I was reporting her then she hang up.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my recent credit report request from XXXX, XXXX, and Experian and there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. VIOLATIONS OF CREDITORS VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised. VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED : XXXX XXXX  ACCOUNT XXXX XXXXXXXX WAS NEVER LATE ON THIS ACCOUNT AND XXXX XXXX XXXX DOES NOT BELONG TO ME AND UNVERIFIED PLEASE REMOVE XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX DOES NOT BELONG TO ME. 

XXXX XXXX XXXX Account number : XXXX Account type : Child Support Phone number ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX UNVERIFIED PLEASE REMOVE DEPT OF CHILD SUPPORT WAS NEVER LATE AND THIS IS UNVERIFIED
Product: Credit card or prepaid card

# XXXX XXXX complaint submitted two months ago to XXXX and American Express XXXX does not provide address of customer service in XXXX and refused info after many requests. 
I submitted telephone numbers to cfpb if not sufficient, forget XXXX and send this message to American Express to resolve issue
Product: Credit reporting or other personal consumer reports

My information was leak in a data breach. My credit has been significantly damaged. And no correction from credit companies
Product: Debt collection

I was notified by your company regarding an alleged unknown debt in the amount of {$210.00} from XXXX. I have reason to believe I do not owe this debt because I have never had an account with that store or because I believe you have me confused with a different person. I request all of the following information be provided to me by mail : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 4.  Documentation showing you are licensed to collect debts and also provide the original that bears authentic hand signature of agreement of the debt. Because I am writing you within 30 days of being notified by your company about this debt, you must cease attempting to collect this alleged debt until after you have provided the requested information. If you continue attempting to collect on this debt or seek judgment for payment of the debt without first providing written verification, you will be in violation of the Fair Debt Collection Practices Act. Additionally, the debt can not accrue any fees or interest beyond what is allowed by state law or by contract with the original creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX of this year i have been receiving emails from XXXX stating that i need to register my account on line for easy access to my checking account and then on XX/XX/2023 my mother recieved a letter at her address, addressed in my name with a debit card that has my name on it. I have not lived at this address in 3 years and I have no need for a XXXX XXXX XXXX. The account was opened in fraud using my personal information, when i called XXXX  they couldnt tell me how or when the accout was opened and they dont have my id on file either
Product: Mortgage

The company did not follow state/federal guidelines regarding providing final numbers for closing. We did not receive the final numbers until 15 minutes before we closed, versus the legal guidelines to provide us those numbers 72hours before. Additionally the numbers that were provided to us 15 minutes before closing, were over {$3500.00} more than what we had discussed the previous day. We then had to bring that difference unexpectedly to the table for closing. The company also charged us {$810.00} for an extended rate lock guarantee. This was not discussed and closing was held up by their inadequate filing of our documents, not because of us.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


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Product: Debt collection

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on LVNV FUNDING LLC. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have unathorized credit inquires on all 3 credit report agengencys XXXX XXXX and experian
Product: Checking or savings account

My name is XXXX XXXX XXXX. On XX/XX/XXXX my wife made a computer entry error, while making our lowes credit card payment. The payment was supppsed to be for XXXX but she made a mistake and put XXXX. We did not realize this until the morning of XX/XX/XXXX. XXXX couldn't stop it because it wasnt in pending status so we moved on to the bank for help. What a joke. My only resolution was to take all my money out of my account and let it overdraft. Now we also made to correct payments after the lowes bill one for sales in the amount of XXXX and one to XXXX  XXXX XXXX, in the amount of XXXX. Since XXXX was first it was going to hit first. So while our account is in negative we opted out for overdraft protection to try and fix this mess because that is what we were told to do by BBT. We have now accrued XXXX in fees that our bank just roughly said oh well, we don't care if you made a mistake or not. My wife and I have had to take longer lunches for this matter, call customer service on this matter and send a complaint to BBT, we haven't heard a response because their generetic turn around time is 36 hours. Very convient when we are talking about your hard earned money. I can undrrstand if we did this intentionally but we didn't it was a simple entry error. We have XXXX kids and this has put a financial burden on our finances. If we wouldnt have made this entry error we would be fine but since we did we are hurting. And you would think after banking with a bank over 16 years they would help. Poor customer service on their part. People makea mistake all the time we are human but when it comes to BBT all they want is your fees they don't care about your lively hood. We have got a reversal payment from lowes in the amount of XXXX that was delivered by fed ex today. We had XXXX from XXXX Virginia branch to fax a letter for lowes in order to get refund. We have also dealt with branch manager XXXX at XXXX vs and my wife has dealt with XXXX at XXXX Virginia branch. We deposited the XXXX check at XXXX today but they don't quickly apply that to your account they hold it til midnight. So once again we have a pending transaction trying to go through that will like I said put us at XXXX in fees. Something has to be done. This is not right for this to happen to middle class people that made a honest mistake and has done everything to try and fix this issue. My name is XXXX amd my wifes is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND I HAVE FOUND SOME INACCURATE ACCOUNTS AND INQUIRIES THAT IS REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THE ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME AND IS NOT RELATED TO ANY TRANSACTIONS THAT I HAVE EVER MADE. I HAVE ABSOLUTELY NO IDEA AS TO HOW AND WHEN THESE TRANSACTIONS TOOK PLACE OR WHEN THEY WERE PLACED ON MY CREDIT FILE. IT IS WITHOUT A DOUBT THAT MY PERSONAL INFORMATION WAS MADE ACCESSIBLE BY SOMEONE UNKNOWN TO ME WHO HAVE MANAGED TO OBTAIN THESE ACCOUNTS AND INQUIRIES. I AM ASKING THE A RE-INVESTIGATION TAKES PLACE IN THIS MATTER SO THAT THE NEGATIVE ACCOUNTS AND INQUIRIES CAN BE REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE.
Product: Credit reporting or other personal consumer reports

This marks my numerous request, addressing my status as a victim of identity theft. I am writing to dispute specific items in my file that have arisen from this crime. The disputed items are not associated with any transactions that I have initiated or authorized, nor do they pertain to any goods, services, or financial transactions that I have undertaken. I request the removal of any information from my credit file that stems from this alleged identity theft. 
These items are unfamiliar to me, and I am particularly concerned about discrepancies in the information provided. Some of the details have been removed from other credit bureaus ' reports, which raises doubts about their accuracy. Additionally, there are inconsistencies in the reported information on certain items. 
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