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

On XX/XX/XXXX a check was written to a supplier in Alabama named XXXX XXXX XXXX XXXX  It was sent to a XXXX XXXX XXXX The check was intercepted in Alabama, altered with white out and is very clear to see it was white out, and then cashed a bank in Alabama. We have attempted to get the name of this bank from PNC who then put out the funds but they first mistakenly told us it was XXXX XXXX XXXX-which apparently it is not and then they told us it was XXXX XXXX XXXX XXXX which is really not a bank. We have been dealing with XXXX gentleman from PNC XXXX XXXX XXXX named XXXX XXXX and XXXX. XXXX. They allege to have been trying to assist but yet in over 2 months we have gotten nowhere. They turned it over to escalation a week ago Tuesday XX/XX/XXXX. We received a call from XXXX XXXX who needed information we did not have at our home-the call came at XXXX. I called her 3 times the next day and 3 times on Thursday XXXX. It was not until Friday morning that she called back and advised there was nothing they could do until this bank in Alabama responded. The amount of the check was to be {$3000.00} and was changed to {$9000.00}. Ultimately i have had to pay the {$3000.00} to the company for their product so I am out {$9000.00}. 
This is unacceptable and from everything i have read and discussed with professionals, this money should have been put back in my account. This is a federal crime. I do not even understand how PNC fraud did not detect this. XXXX advised today that again they turned it over to another escalation department. 

Most of all PNC has not even been able to provide us with the name of the bank that cashed the check. The company in Alabama who we issued the check to is trying to help us as well but without that name of the bank their hands are tied. They have notified the local police there and out next step would be the FBI. 

My grievance at this time is with PNC who should have put that {$9000.00} back in my account by now. I have been a customer with multiple accounts for over 50 years. Worst of all we have gotten no help. The way XXXX XXXX in escalation handled it was so unprofessional and disrespectful to us as customer that we are prepared to remove all our accounts from PNC once this is cleared up. The lack of assistance and concern for our money and frustration has been quite a disappointment. 

I hope that you are able to advise PNC Bank that the right thing to do is to replace our funds that they allowed to be fraudulently withdrawn. They sent a letter to us acknowledging the claim on XX/XX/XXXX and requesting documents which were provided. To date we have received no reimbursement.
Product: Checking or savings account

This account is current, I am not sure as to why this account is reporting to XXXX  and XXXX. The account is Up to date and was paid in full before being reported. 
XXXX XXXX  reported the account for Account Abuse ; Any amounts owed have been paid Date of Closure XX/XX/XXXX Original charge off amount : {$260.00} Closure status : Paid in full Closure status Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently in the process of reviewing my consumer reports and noticed many inaccuracies regarding Account # XXXX including but not limited to, Account Status, Date Opened, Last Reported, Date Last Active, Date of Last Payment, as well as Payment History.

15 U.S. Code 1681e - Compliance procedures states : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Please investigate and provide proof that the consumer reporting agencies were in compliance with this matter. Please delete for the consumer report for violating compliance procedures. 
Thank you in handling this matter.
Product: Vehicle loan or lease

Wells Fargo, was the carrier of my loans I purchased a XXXX XXXX XXXX  back in XXXX the car interest rate was very high also had to have the transmission replaced after two years warranty was still on the vehicle had to come out of pocket for this problem a couple of times just got rid of the car in XXXX made complaints to Wells Fargo they didnt have no concerns about my problem or didnt offer me any help had to still pay a note on the vehicle as well as getting the vehicle fixed. I purchased my first home back in XXXX Wells Fargo was who I was paying my mortgage to an interest rate was high they turned it over to another carrier after serval years of high interest of payment they wouldnt help me with a refinance or anything also wouldnt help me refinance my XXXX XXXX didnt no why they wouldnt help me with any of these issues I am still banking with them they arent good taking care of their consumers.
Product: Debt collection

I have had a several month long ordeal with XXXX XXXX attempting to deny coverage for an in network provider. I went to visit XXXX XXXX on XX/XX/2024. I was assured by Christus Health that both the provider and facility were in network on my plan. I have received this in writing as well. Around XX/XX/XXXX XXXX XXXX finally stated that their reason for denial was the contract between them and the provider/facility had lapsed, and that it is the facilities responsibility to maintain/renew the contract per their previous contract. I brought this to the attention originally on XX/XX/XXXX regarding the issue of the denial, and on XX/XX/XXXX regarding the new information received from XXXX XXXX. Christus on XX/XX/XXXX sent the issue into a " internal billing specialist '' to review and attempt to resolve. On XX/XX/XXXX, I began receiving automated messages and calls from Christus Health attempting to collect payment. That same day I called the office and they agreed to pull the balance owed until the internal review was complete. The following day the balance was added back. I called the office back on XX/XX/2024 and sent another written dispute to the bill, they advised that they will not pull the balance owed, even while the dispute is under internal review and will continue to harass to collect the balance. There was a simalar issue regarding the visit I had with XXXX XXXX on XX/XX/2024, but my insurance resolved that with Christus Health
Product: Mortgage

Regions mortgage acquired my mortgage in XXXX. Since the start of the year they have been cashing my bill-pay checks later and later, and have assessed me 2 late fees this year. They have waived 1, but will not budge on the most recent one. My bank, XXXX sent out a bill-pay check by mail on XXXX with a check dated XXXX. Regions did not cash that check ( according to them ) until XX/XX/XXXX, but XXXX shows that the check was cashed on XX/XX/XXXX. My mortgage contract specifies that a payment is late after XX/XX/XXXX, and XXXX sent the check with plenty of time to make it to regions. 

Regions appears to be delaying cashing my checks until they can assess a late fee on me. They have suggested using their online web pay, but I do not trust their website, and their lack of technical prowess shows in the way they do not accept ach bill pay. 

I would like the CFPB to tell Regions to cash my checks when they are received, interoperate with ACH billpay networks, and stop assessing me erroneous fees. Regions should waive the late fee they assessed on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax for years have provided incorrect information on my credit report. This is my second time going with to the cfpb. 
THey still refuse to do the right thing. I have contacted them by phone over 20 times. 


They refuse to add my XXXX  Credit Card That was opened XX/XX/2020 They refuse to report XXXX XXXX XXXX that was opened XXXX, XXXX 2020 They refuse to report my XXXX XXXX  credit Card that was opened XX/XX/2020 They said my XXXX XXXX XXXX auto loan acct was closed but it is still opened and I am making ontime payment. 


I request you use the my XXXX report as a refrence. 



Again I am looking to buy a house and Equifax continues not to report the positive stuff on my credit report. 


All finace companies I am complaining about report to all 3 credit agencies.
Product: Consumer Loan

I called to receive payoff amount for my auto loan and was given an amount that was far higher than expected. I was then advised that I was not being charged the annual percentage rate that was agreed upon in my contract but a daily interest rate. Nowhere in the contract that I signed does it state that I had a Simple interest loan and was to be charged daily. Representative I spoke to when called on XX/XX/XXXX at XXXX was not able to explain to my why my contract was not being upheld and only would say that Westlake Financial only offers Simple Interests loans. But yet I was not provided with a contract that states that. Pulling payment information also reflect that several of my payments were interest heavy and paid more interest than principal some months.
Product: Money transfers

My computer was going crazy with a written and verbal alert of a virus infection. The alert stated that I needed to contact XXXX immediately with the XXXX. I called and a guy presenting himself as a tech offered XXXX service plans to choose from. The plan I chose was {$420.00} for 3yrs. tech. service and lifetime software. Paying by money gram a tech was scheduled that never showed. I called back to complain. At that point I was told the supervisor that the money gram was sent was out on sick leave and that the money had not been received. At that point I told them to cancel the service. the guy who went by the name XXXX told me to keep me a happy customer that they would give me the service free of charge and that the tech would bring my refund in cash as I was given a choice of how I wanted my refund. At that point I was then told to cancel the first money gram and submit another XXXX to another supervisor for same amount and the tech would brig me {$850.00} instead of {$420.00}. This I was told was to establish a log of the transaction of which I refused. This was all because when I returned to XXXX where I 'd purchased the money gram I was told that it had been received. Being uncomfortable with I contacted XXXX by another number and informed that it was a scam and that they do n't conduct business in that manner and they do not send techs to your home. Here are the numbers used by the scammers. XXXX [ tech service ] -- -- XXXX [ billing ] the names are XXXX, XXXX XXXX to whom the money gram was sent in XXXX XXXX XXXX was the person I talked to about the tech not showing up, XXXX XXXX was supervisor in Az. that they wanted me to send the second money gram of {$420.00} and XXXX XXXX was the tech that was suppose to come to my house ; XXXX # XXXX. They even gave a confirmation # XXXX. The real XXXX tech took over two hours to regain control of my computer and over four hours to clean it of the virus they had implanted. In the process they had removed my anti-virus protection. Thanks to XXXX I have my computer back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing the following information for identity theft. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. I have contacted these creditors asking for documents and verfication of these items and the creditors can not provide me with anything that link these accounts to me. I never had any accounts with these creditors ever and I am asking the credit bureau to remove these fraudulent accounts from my credit report. My ID Theft FTC Report number is XXXX. I have also attached a copy of the report to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

The apartment community advertised a unit for move in during mid XXXX for a specified price. After applying for the unit i was told that the price advertised was incorrect and i could move in for an additional month after. I would not have applied if i had known the unit was not currently available as stated. This resulted in being charged an application fee and a hard inquiry on my report from XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i bought a van which the beginner give me problem some week ago the bought this car broke down i called some time to the dealer for the warranty and they never answer me and do nothing also called the bank and they donnt do nothing i decided relese the car bcs how i going to paid a lot a money for junk car bcs with the time bring more electrical problem and the credit asgency have my status as reposition when the realy is a releasaed the car righ noe this affectyed my credit when the dealear and bank cheating me the deales is XXXX XXXX XXXX in XXXX PA and the bank is XXXX XXXX XXXX this account affected my wife credit too
Product: Bank account or service

PNC Financial Institution does not follow customers banking preferences. They charge fees they do not disclose when opening an account through PNC. They will send transactions to debit from your account in a way that gains overdraft fees for their bank. PNC does not offer a valid email address to escalate complaints or to request reimbursement of charges made to the account. PNC claims to have rewards for using their debit card for various merchant debit transactions, but no points or rewards have been received by any PNC customers. PNC does not offer any type of resolutions to any discrepancies on checking accounts and customers can never speak to a manager unless you ask for a call back up to 3 days later. PNC will keep cash deposits pending for up to 5 days at a time. Payroll checks also remain in pending status for up to 5 days at a time. PNC has thousands of customers claiming to have money stolen from their account or money never showing up in their accounts. PNC will debit large checks from your account first and bounce several other small transactions or deny the small transactions if there is not sufficient money in the account. PNC will take this action against your preference to opt out of their overdraft protection. PNC has policies in place that allow them to do whatever they want and the government supports these actions to innocent banking consumers.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Removal of Collections and late payments, due to inaccurate information. 
Dear sir/ madam, I am writing to formally dispute the collection account reference by your agency. The account referenced by your agency. The accounts in question, which I understand to be reported under my name, is inaccurate due to incorrect or misspelled information. 
Specifically, I believe that either the amount, the nature of the debt, or the other details tied to this account do not reflect my accurate financial history. After reviewing my records and credit report, I noticed discrepancies that I am requesting be investigated. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I request that you provide verification of these debts, including : 1. The original account information and proof of the debt.

2. The amount owed and a breakdown of the charges.

3.Documentation to support that this collection is indeed mine, and that the reporting to all credit bureaus is accurate.

If you are unable to provide this documentation or fail to correct the inaccuracies, I request that this collection or late status accounts be removed immediately from my credit report, as it is based on incorrect information. 
I appreciate your prompt attention to this matter and look forward to resolving these discrepancies. Please provide a written response within 30 days from the date of this letter. 
Those companies listed false and missed documented information reported to different credit bureaus. If the information was correct, it would be the same on all bureaus. 
1.Ally financial -reporting 2 months late- XXXX  report says all payments are up to date. 
XXXX XXXX XXXX XXXX XXXX XXXX charge off showing as closed, also has a past due balance of {$8000.00}. XXXX, charges offs can not have a past due balance. 
XXXX XXXX XXXX lists 2 months back-to-back 90 days late. 
XXXX marked 30 days late, but also says all payments made and in good standing. 
XXXX XXXX says 120 days late but shows in good standing. 
XXXX shows balance on closed and {$0.00} due, also 2 30-day late payments back-to-back. 
XXXX XXXX XXXX - {$1100.00} past due, charged off, charge offs can not have a past due balance. 
XXXX XXXX- {$1500.00} charged off, since XX/XX/year>, reported as charged off for the past 48 months XXXXXXXX XXXX XXXX XXXX- never had an account with this bank, XXXX payments behind. 
XXXXXXXX XXXX XXXX reporting 120 days, only shows 90 days. 

Thank you for your cooperation. 
Sincerely, XXXX XXXX
Product: Credit card

I was a rapid rewards credit card customer, issued by Chase cards. I received an unsolicited mailer offering XXXX points if I upgraded to the premier card, disclosing that the annual fee was XXXX the fee of the regular card that I was using. I called the XXXX number listed on the mailer, and upgraded the card. I met the conditions of earning the points, and began reviewing my rapid rewards statement for the points that were to be awarded. When I contacted the bank, they claimed that only new card holders were eligible for the reward points. I feel that the bank pulled a bait and switch on me by offering the points for upgrading the card with the increased fee, which they were quick to charge, but now refuse to grant the points. When I inquired about the issue, the bank admitted that they send unsolicited mailers to current card holders, but meant for them to request an additional credit card. This is a bad banking practice and should be reviewed. They also refused to refund the higher fee.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute fraudulent information that has been added to my consumer report. After reviewing my report, I discovered items that I did not authorize, nor did I participate in any transactions associated with these entries. 
Credit acceptance XXXX XXXX XXXX all these account numbers are in older documents I been sent in to all these credit bureaus like XXXX and they are not doing anything about it I believe these entries are a result of identity theft and do not reflect any activity authorized by me. 

I kindly request that these fraudulent items be removed from my consumer report as quickly as possible. Thank you for your attention to this matter and for helping maintain the accuracy of my credit information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I received a notification stating that an " XXXX XXXX XXXX '' ran my credit resulting in an unauthorized inquiry on all 3 credit bureaus XXXX, XXXX and EXPERIAN. I contacted all 3 bureaus and requested that they remove the unauthorized inquiries from my report due to fraudulent activity. I have also sent them my FTC report along with my dispute and they refuse to remove the inquiry from my credit report. The letters were sent on XXXX and it is now 30 days past and the inquiry has still not been removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2014 I closed accounts due to unemployment and taking care of my mother who had XXXX and then passed in which I was responsible to handle her estate and probate etc. I made arrangements with a few creditors to close accounts and make lower payments. I NEVER took a settlement or paid less than what was owed. I have tried repeatedly to remove these from my report as they have been reported as charge offs and were not charge offs. I continued to pay them and paid them in full the total owed with no discounts or write offs. Currently Transunion has been doing drastic decreases and increases of my credit score on a DAILY basis. Decreases from XXXX to XXXX to XXXX and then it bounces back up by XXXX, XXXX, XXXX and then drops again drastically. I have called numerous times to find out why this is happening as it is NOT happening with the other credit bureaus. As a self employed person I often need to establish credit for working capital and acquisitions. Their drastic decreases and increases have literally caused me the inability to obtain personal and business loans needed due to their not correcting inaccurate information and more so the last few months from the drastic decreases and increases in my credit score. No one can help me. No one can answer why this is happening with Transunion, and EVERY dispute I have submitted is given the same basic answer. No one knows what they are doing. Their english is very hard to understand. They can't even tell me what department I should be speaking with to get assistance for this matter. I have hired credit repair companies and attorneys in the past several years to correct my report and Transunion always give the same generic response and nothing gets corrected. I am beyond frustrated and need this resolved. I have NO late bills, and am not even maxed on my cards. I watch my credit almost daily. There is no reason for these drastic decreases and increases.
Product: Mortgage

I talked to Citywide Home Loans for a new home financing. I knew my credit scores and asked him to provide me a verbal quote on how much rate ranges are. He said he can only provide me a rate after running my credit application. I asked him again - considering prime credit scores how much the rates would be. The competitors are providing 4.125-4.375 % for 30 years fixed with 20 % down and XXXX points. He said to me that their rates are competitive with others and they would be able to provide me similar rates. 

Then he ran my credit - and my wife 's credit and came back and said that their rates are at 4.75 %. Again, mine is prime credit with 20 % down so the credit check changed nothing at all. It was inexcusable for the lender to not have given this quote earlier. The only reason I was going with this lender is that the builder recommended using him and said they would provide {$2500.00} towards the closing costs if I used this lender. His rates were so bad that an outside lender would be cheaper to me by {$5000.00} even after excluding this builder credit. 

This was unprofessional behavior on part of the lender - he lied to me about what the rates would before running my credit check. My wife and I got dinged on our credit report unnecessarily.