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

PNC Bank on more than one occasion has charged me overdraft fees when my account has NOT gone into negative. On XX/XX/19 there was a check that cleared through my account that left an ending balance of {$26.00}. No overdraft occurred but they charged me a {$36.00} overdraft fee anyway dated XX/XX/19 but didn't show the fee on the account until XX/XX/19. I promptly called their customer service and was told by the representative XXXX that I spoke to that the fee could not be reversed. 
Something REALLY needs to be done about this as I am sick and tired of them XXXX people over unfairly and charging fees for overdrafts that haven't happened!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. I also received a email from PACER stating, they do not contact the consumer reporting agency. 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. According to : 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 According to : 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. As of XX/XX/2022 XXXX mailed a letter asking Bankruptcy to be removed so how is accurate. As well as XXXX has removed from my record.
Product: Credit reporting or other personal consumer reports

I'm raising a formal complaint against XXXX XXXX  for their continued reporting of incorrect information on my credit report. Despite multiple disputes regarding this account ( Account Number : XXXX ), the errors have not been corrected or removed. These inaccuracies are significantly damaging my credit score and misleading potential lenders, which directly impacts my financial stability and opportunities. Ive made numerous attempts to resolve this by reaching out to both XXXX XXXX and the credit bureaus, but the issue remains unresolved. This negligence is causing ongoing financial harm, making it difficult to secure loans or other forms of credit, while also adding unnecessary emotional stress.
Product: Credit card

I went to make a purchase at XXXX and attempted to use my XXXX credit card issued through Comenity Bank. The sales associate called customer service to find out why the card had been declined even though it was paid off a few days before. I was told by the representative that my account had been closed a few days prior because of " credit inquiries '' and that I was considered " too risky '' to do business with. I have paid my bills on time and in full every month. I was also told that all of my other accounts through them had also been closed, all of which were also paid on time and in full each month. I never received anything from them stating that they had closed my accounts. I upheld my end of the agreement by paying my bill on time each month.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are closed & have still been reporting false & inaccurate information for months this has been affecting my credit worthiness & is a violation of my rights. 

Accounts : XXXX XXXX
Product: Credit card or prepaid card

I have business credit card under my company name, XXXX XXXX XXXX XXXX XXXX, with my wife and i being employees. The combined billing account for both of us is used to bill all the purchases done by us. The commercial made by us bank is required total spending {$4500.00} in 150 days from opening day. We paid total {$7000.00} plus in the 150 days limit, but us bank refused to give me the {$500.00} reward because they only look at individual employee, not the company spending made by the company. Thank you.
Product: Debt collection

On XX/XX/XXXX myself and Midland Funding Funding signed a consent judgment for a settlement payoff of {$600.00} for a {$1000.00} amount on debt. After paying {$25.00} a month the amount was paid in full said company went back into XXXX XXXX court and was granted a judgement against myself for the for the {$1000.00} amount. Never sending any court documents to appear in court for this judgment. Said company has now went as far as to garnish my wages from my employer before our court hearing tomorrow on XX/XX/XXXX about this falsely obtained garnishment.
Product: Checking or savings account

I opened a checking account with Wells Fargo on XX/XX/2020 because of an offer I found for a {$400.00} bonus when I received {$4000.00} of direct deposits within 90 days. I switched my paycheck so that it would be deposited into the new account, and I received {$4700.00} in total direct deposits to the account, with the most recent one posting on XX/XX/2020, which is before the 90 day deadline. Wells Fargo closed my account without my knowledge on XX/XX/2020. I did not ask them to do this, and they did not ask me before doing it. I sent them an online message on XX/XX/2020 asking for an explanation about why they closed the account and informing them that I met the requirements for the bonus and would like it paid to me. I have not received a response. 

From my perspective, it appears that Wells Fargo decided to close my account specifically to avoid paying me the bonus they owe me.
Product: Money transfer, virtual currency, or money service

I logged into my Chase bank Account using my well known computer, verifying my account access using a text message Chase sent to my phone. Then using the same known MAC address computer, I set up a wire transfer from MY Chase savings account to MY XXXX checking account, and again verified this transaction with a text message from Chase. 

Chase then locked me out of my account. 
I was told I had to physically go into a branch. 

I had a XXXX XXXX but went in, and took precautions hoping to not transmit my cold. 
At the XXXX XXXX branch, XXXX closed my 1 account ( Savings ) and I left. He had viewed my license and a credit card and verified my identity. My checking account is still closed however, and I am told by the central located agent I have to go into a branch again. I called the XXXX XXXX. Branch and XXXX said he had tried to call me and the number went to voice mail. I have no voice mails, nor do I have any record of his branch phone number. I am still sick, and now must go to another branch potentially infecting people. I am not used to a Bank lying and blocking access to my own money. 
Being a small entity, I have no recourse except you and my social network. I am adding my name if there is a list of patrons with similar complaints.
Product: Checking or savings account

Hello, I bank with Wells Fargo for the past 3 years I have had many issues with fraud and this last one is just un real. Friday XX/XX/XXXX my bank claims department calls me and says that some one has deposited {$400.00} in counterfeit money and are accusing myself of putting it in my account. I did no such thing!! I have a freeze on my account and no access it at all and that means i can not look at any transactions that were made as the bank is telling me that i would use the XXXX app to send money to a person at whom i do not know .. The bank is telling me that i may not ever be able to get a bank account at any bank as they will put out a bulletin also jail time. I filed a police report but this is apparently a civil matter and the police just have a record of myself telling them about counterfeit money in my account that i was not aware of until my bank called me. I have been trying to call my bank and they put me to many different departments and i have to stay on hold for so long that i wind up hanging up. Wells Fargo now offers card free banking through the atm. I am sure with the help of video at the atm also being able to trace the phone app for this card less atm the person involved will be caught but in the mean time i have no access to MY account. My future banking life is in their hands and that is not good considering Wells Fargo has many issues with scandal since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation In addition, in the case of XXXX Vs. XXXX ( IN THE COURT OF APPEALS OF INDIANA, No. XXXX ), the court ruled that : 15 U.S.C XXXX 1692g ( b ) ( emphasis added ). On XX/XX/1996, nineteen days after the date of XXXX debt collection letter, XXXX counsel XXXX sent XXXX a letter declaring that XXXX disputes your debt collection-related allegations, denies the same, and demands strict proof and verification thereof. Record at XXXX. As such, XXXX should have ceased his debt collection efforts immediately upon receiving that letter. Instead, XXXX proceeded to obtain a default judgment against XXXX on the debt collection claim before he had mailed XXXX the necessary verification and, thus, violated 15 U.S.C. 1692g ( b ). 

XXXX maintains, however, that there was no violation of the FDCPA because he sent adequate verification of the debt [ to XXXX ] in the XX/XX/1996 notice of claim. Brief of XXXX at XXXX. Specifically, XXXX claims that a copy of the consumer credit contract between XXXX and XXXX XXXX attached to the notice of claim provided sufficient verification of the debt within the meaning of 15 U.S.C. 1692g ( b ). We can not agree. 

The contract in no way provides sufficient verification of the debt. A review of the document reveals that it identifies only the terms of XXXX loan, including a 17.99 % annual interest rate and the original loan amount of {$2500.00}. The loan agreement contains no accounting of any payments made by XXXX, the dates on which those payments were made, the interest which had accrued, or any late fees which had been assessed once XXXX stopped making the required payments. Indeed, the existing unpaid contract balance at the time XXXX sent the debt collection notice was at least {$350.00} more than the original loan amount. Therefore, XXXX violated 15 U.S.C. 1692g ( b ) when he failed to cease collection of the debt by obtaining a default judgment against XXXX after XXXX had notified XXXX in writing that he was disputing the debt but before XXXX had mailed verification of the debt to XXXX. We reverse the trial courts entry of summary judgment in favor of XXXX on this issue.
Product: Credit card or prepaid card

I was gifted an American Express gift card on XX/XX/XXXX for {$200.00} as a XXXX present / end of year bonus. I had not opened the card until today ( XX/XX/XXXX ) and when I went to make a purchase, the card was declined. When I checked the balance online, it said XXXX and that there was a charge from " XXXX XXXX XXXX XXXX '' on XX/XX/XXXX for {$200.00}. Not only was my card still in my possession and unopened until today, but I have also never been to that XXXX XXXX store ( XXXX XXXX XXXX, New York, NY ) nor was I in New York on that date. 

I called American Express on XX/XX/XXXX at XXXX XXXX, and was told that since it was a prepaid gift card, AmEx would not help and I had to take the issue up with the merchant. 

I called XXXX XXXX ( XXXX ) customer service and they told me they do not assist with fraud on XXXX  or Amex gift cards and I would have to take it up with American Express. 

It seems to me that American Express gift card numbers have been compromised, however American Express wants nothing to do with a ) fixing the breaches b ) ensuring consumer safety.
Product: Debt collection

XXXX and Palm Beach Credit Adjustor will not remove a reported medical collection as they are double reporting and the reported debt collector " Palm Beach Credit Adjustors '' does not own or have the collection authority to report, as it is owned by Focus Financial services who already has removed their reporting from XXXX and XXXX
Product: Debt collection

Purchased a set of golf clubs from XXXX XXXX XXXX on XX/XX/XXXX Processed payment through my XXXX account. Received clubs on XX/XX/. Opened packaging on the 7 iron and hit a few balls. Did not like the feel of the club so put it back into its individual wrapping and put it back in the original box with the other clubs. Returned the set of clubs to XXXX XXXX by XXXX on XX/XX/. A few days later I received a call from XXXX at XXXX XXXX saying they received the clubs but one of the clubs was used indicated by the wrapping. Was told that a full refund could not be given because I used their prepaid return label which I was {$7.00}. Was told that the {$7.00} would be deducted from the total of {$1000.00} to which I agreed. Waited several days to get notification concerning my refund. Made several calls to XXXX XXXX and spoke to different people each time getting different answers. On XX/XX/XXXX, I wrote a letter to XXXX and disputed the claim online. On XX/XX/XXXX, XXXX acknowledged receiving the case # ( XXXX ). The reply from XXXX stated that additional info would be requested from XXXX XXXX. On XX/XX/XXXX, got email from XXXX saying my case was denied. I did not pay for the clubs that I returned. Attempted to purchase a home to find out that XXXX XXXX, by way of, Midlands Credit Management , Inc. had placed an amount of {$1400.00} on my credit report for collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Around XX/XX/XXXX, I contacted Penny Mac to request for temporary assistance due to family emergency. I never been late on a payment since I acquired my home XX/XX/XXXX and my equity is over XXXX. I was denied the use of my equity and led to loan modification knowing I was eligible by the agent and eligible for my equity. I was told I don't have to make payments until the modification was approved. 

Now, XX/XX/XXXX, I get harassing phone calls and letter stating my modification was denied, my home will go into foreclosure, and I need to make payment now by Pennymac. They have knowledge that I'm XXXX XXXX and a XXXX veteran. Not once have they given me options or tried to help since I requested back in XXXX. They are discriminate and want to take my home or up my interest rate for their own business interest. This is unfair and unjust for a veteran that has never been late with a payment with them before. I was coerced purposely to choose the modification instead of equity. Now they refuse to let me speak to management when I call. This is not fair!
Product: Money transfer, virtual currency, or money service

XXXX XXXX {$150.00} XXXX XXXX {$500.00} XXXX XXXX {$70.00} XXXX XXXX {$750.00} XXXX XXXX {$1000.00} XXXX XXXX {$750.00} XXXX XXXX {$500.00} XXXX XXXX {$500.00} XXXX XXXX {$2000.00} On XX/XX/XXXX I called Chime Member Services and informed them I had been a victim of fraud. I explained I saw the transactions credited from my account and upon noticing them ( payment from phone number to phone number ) I changed my banking password and disabled international transactions on my banking app. 

These amounts were made with fraudulent intent via phone-to-phone transfers that were deducted directly from my checking and were instantly approved as they were all checking transactions. This does not mean I authorized or approved such transactions. Not to mention my checking account was the only account compromised. Not my savings. 

I filed a claims report with Chime The report states : " While the dispute is not eligible for provisional credit issued by Chime , Chime will investigate dispute types that fall under Regulation E ''. 

" The dispute process can take until XX/XX/XXXX. '' " Check the status of the dispute anytime on Chime. '' On XX/XX/XXXX Chime Member Services informed me that my claim had been denied as " no error had occurred. '' Chime did not provide documentation or proof of an investigation that concluded the final outcome of this investigation under Regulation E guidelines. 

Regulation E outlines electronic funds transfers ( EFT ) under section 1005.6. 
as electronic fund transfer from a consumer 's account initiated by a person other than the consumer without actual authority to initiate the transfer and from which the consumer receives no benefit. 

Note : This scam has compromised my funds not only with Chime but other electronic vendors like XXXX XXXX and XXXX by the same person who uses various aliases and phone numbers to seek unauthorized electronic payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX/Experian/XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : Inaccurate Address : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX COLL ) XXXX Balance : {$0.00}, Chapter XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX FRSTINVST XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

these companies reported me late and I wasnt late. I was sick with XXXX. I called them I need them to honor please and update to never late XXXX - XXXX - Score Impact : Low Summary Details Transactions Source : Credit Report As of XX/XX/2020 Account # XXXX Account Status Open Payment Status Past Due - {$190.00} 2 of 2 XXXX  - Score Impact : Low Summary Details Transactions Source : Credit Report As of XX/XX/2020 Account # XXXX Account Status Open Payment Status Past Due - {$50.00}