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

in re : forex scam and decepton by PNC bank XXXX XXXXXXXX XXXX  Forex conversion process and fees to profit and ultimately steal money from XXXX persons. 

PNC XXXX XXXX XXXX XXXX XXXX is the bank holding company that owns PNC Bank has been scamming and deceptive practicing to steal and profit from me and esepcially XXXX veterans of foreign transaction fees and other fees associated with it. the PNC bank has willfully and willingly and knowingly concealed the actual conversion rates. And the most strikingy is when items have refunded or credited back a merchant, the bank would willfully profit in the conversion rate instead of just refunding back the original charge in whole. 

they refused nearly most of the time to provide the conversion process and the actual rate for the forx mid market rate for that day. this is signficant. cause it rips off milllions of consumers in the millions of dollars by the bank. this requires a federal and other agency oversight in this bank ponzi scheme. 

they make profitis legitmately so they start ripping american XXXX citizen consumers, especially. and more importantly XXXX american military veterans relying on this stolen fees to survive for medical needs and to support their family. 

the most example was for a debit and credit from a merchant. i was charged {$860.00} but i dont know any details of rate i was charged. but then the merchant refunded amount, however, the bank, pnc on its return refund credited by back only {$850.00}. respectively. this is on top of the 1.5 % to near 2 % initial overcharge of fees and then on top of that another 3 % forex transaction fee on top of it, respectively. Now imagine that and see how much money, they -- PNC is stealing from consumers and espcially from XXXX military veterans and soldiers. But in this example real time case. this whole transaction was cancelled and refunded yet, PNC stole the refund money in parts as regular credit charge as if it was a new charge and thus, stole more and more money from me. They- PNC knows exactly what is going on! i have asking for dozens and hundreds of my transaction to be identified but they have refused and they state they can only tell me over the phone what my forex charge was but, ironically they dont know what the mid market rate and which mid-market rate they are using. they nothing but scammers at these banks ripping off american consumers that they know is fraudulant and deceptive. and its why XXXX XXXX XXXXXXXX, chase and others has been sued with class actions assisted by federal agencies for deceptive trade practices and willful violations of federal bank laws and consumer protection laws. 

as of of this date, there has been no copy of documents for my claim filing of dispute with the bank. every bank is known by law to provide a dispute claim document when it is filed with bank. but this pnc has refused to followup the laws of consumer banking and federal laws. and this is why so many evil companies in the XXXX go bust and because of its dark
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1000.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Debt collection

I fell behind during a financial issue on debts, as I was catching up everything XXXX sold my debt before I could recover. XXXX XXXX XXXX bought the debt and issued a letter threatening to sue me in XX/XX/XXXX. I responded in XX/XX/XXXX with " first request ' requesting to have a payment arrangement sent to me. A month later I got a second notice threatening to sue me. I again responded with 'second request ' for repayment schedule. In XX/XX/XXXX I was notified that XXXX XXXX XXXX and their attorney XXXX XXXX had filed a lawsuit in court against me. I have attempted to obtain a repayment schedule form them again, this time by certified letter to XXXX XXXX, XXXX XXXX XXXX and copied all to XXXX County Court. They have deceptive practices and I will not make a non-binding verbal agreement over the phone to only have them continue with the lawsuit to garnish my wages/property. I am attaching copies of the most recent letters and USPS tracking numbers. In addition a screen print from their web page showing I can not set up payments. I was able to work with all of my other creditors to catch up and have one additional in collections that have allowed me to set up payment arrangements. It seems MCM is only interested in deceptive and threatening practices, not in actually working with the debtor to get the debt paid. I still would like to opportunity to set up payments on this account and have the lawsuit removed.
Product: Checking or savings account

There has been a delay in a direct deposit to my checking account. At the time of this complaint, they delay has been going on XXXX XXXX. Apparently this has happened to multiple customers/depositors with capital one. 

Capital One 's response, as posted on " X '', states that They are " ..experiencing a technical issue with a third-party vendor that is temporarily impacting some account services, deposits and payment processing.. '' Queries by depositors of a time table are met with a generic response leading us to speculate that there may have been a data breach and that the " technical issue '' may be more serious than they are conveying.
Product: Credit reporting, credit repair services, or other personal consumer reports

The BANK OF AMERICA account that appears on my credit file has been charged off since XXXX. I recently paid/settled this account in XXXX of XXXX where at that time Bank of America then updated my credit reports to show that the account was CHARGED OFF in XX/XX/XXXX. This false and inaccurate information is damaging my credit profile and affecting my ability to purchase a home. I have spoken to Bank of America about the reporting issues with this account and they have claimed that it would be corrected in 90 days and to date that time period has passed and each month this account reports falsely to my credit file. I have attached my XXXX credit report where you will see XX/XX/XXXX now repprts as CHARGED OFF.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX Balance : {$760.00} XXXX XXXX XXXX  XXXX Balance : {$30000.00} XXXX  XXXX Bankruptcy XXXX Reference # : XXXX Date Filed/Reported : XX/XX/year> XXXX  XXXX XXXX Balance : {$760.00} XXXX XXXX XXXX XXXXXXXX Balance : {$30000.00} XXXX XXXXXXXX XXXX Balance : {$760.00} XXXX XXXX XXXX XXXXXXXX Balance : {$30000.00} XXXX  XXXX Bankruptcy XXXX Reference # : XXXX Date Filed/Reported : XX/XX/year>
Product: Debt collection

My complaint is with Portfolio Recovery and debt collection agency located in XXXX Pa. I had an outstanding balance on a credit card with XXXX XXXX which was farmed out to Portfolio Recovery for collection. I had paid off 2/3 of the debt and have a balance of {$570.00} that I intend to pay off. I expressed this to an agent whose name is XXXX XXXX. Right away she got aggressive when I said I would take care of it when I had the money which would be around the XXXX of the month. She wanted to set up check/bank arrangements right away or a payoff schedule. I told her three times that I would pay them at the XXXX of the month. In reviewing my telephone call history I have seen Portfolio has been calling me very frequently since XX/XX/18. This morning XX/XX/18 Ms XXXX and Portfolio Recovery called me at XXXX XXXX using a spoof telephone ID number from XXXX XXXX. ( XXXX ). When I answered she asked if I was my name without identifying the nature of the call or the identity of her company. I didnt give her any info. End of call. She followed up per my call history 7 minutes later with Portfolio Recoverys usual phone number showing correct area code and exchange ( XXXX ). I didnt answer it. 

I have told them repeatedly that I would deal with them on the XXXX of the month. The phone calls since then appear to be an insult and harassment and I think something should be done about it. 

Further the agent read a disclaimer to me that debt they are trying to collect maybe something which XXXX XXXX credit card may deem to be old and beyond the statute of limitations. This is bizarre. Why is this being read to me if the debt is possibly not a debt by their own words? 

I feel that while I owe XXXX XXXX, this debt collector is becoming abusive with daily phone calls, not representing themselves for who they are, trying to strong arm me into making financial arrangements against my personal checking account after telling them repeatedly I would pay them on the XXXX of the month and calling all hours of the day. I realize they can call between XXXX and XXXX XXXX. They need to be stopped. 

I have recently moved from XXXX where I incurred the debt. I now reside in XXXX.
Product: Mortgage

Wells Fargo Home Mortgage claims I owe them over {$16000.00} in a " escrow shortage '' for my conventional XXXX XXXX loan. But they refuse to deduct XXXX they got back from the DC Government during my dispute over the amount of taxes owed. They admitted this in a letter of XX/XX/2020 to me ( attached ), saying they got the money, and that DC said this " removed the escrow shortage. '' Yet, they claim there is still a shortage. I want to pay off the loan with a lower-rate loan, but don't want to pay the excess they claim I owe. I have written them repeatedly, but they claim they are as pure as pristine snow, even though they were fined {$3.00} XXXX last year by DOJ for fraudulent accounts. I think mine is a repeat.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ) these creditors have violated my rights for these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Financial Protection Bureau, On XX/XX/XXXX, I mailed a letter including a copy of the correct monthly payment amounts of my AES account reported by XXXX to AES and XXXX and XXXX  requesting that the incomplete reporting of my AES account information be changed to reflect the correct XXXX reporting of my AES account. 

I have not heard back from American Education Services. XXXX  and XXXX mailed me a letter on XX/XX/XXXX that the account information has been verified with AES and updated as needed on my credit report. However, the correct monthly payment amounts are missing and not being reported accurately by XXXX and XXXX, but are being reported correctly on my XXXX credit report. 

My request is that AES reports the same information to XXXX and XXXX it reported to XXXX to give a complete credit reporting of my monthly payments. 

Thank you. 

Concerned Consumer
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. $ 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. $ 1681c ( a ) ( 4 ) ), Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history that shows monthly and late payment as well. Please update my credit report accordingly and provide written confirmation of these corrections. Thank you kindly.
Product: Money transfer, virtual currency, or money service

I ordered firewood from a seller on XXXX market place, requested prepaid before delivery.was supposed to be delivered XXXXXXXX XXXX XXXXXX/XX/XXXX, received a message that he was having truck issues and would be delivered by XXXX XXXX XXXX XXXXXXXX XXXX. i asked if he had a problem finding the place because he hadn't delivered yet, claimed still having truck issues after telling me it was fine earlier and would be delivered later.Approximately XXXX he sent a message that I neede to send another {$250.00} as a refundable insurance to someone with a different name, at that point I messaged him to tell him that I had never heard of such a thing and we should just cancel and refund my money.His message said that wouldn't happen and to just pay the extra money. transaction was through Paypal, I filled out a complaint with them and was denied transaction date : XX/XX/XXXX recipient XXXX XXXX ID XXXX Case Number XXXX I never recieved goods paid for and haven't heard anything back I tried XXXX XXXX department at Paypal and only got busy signal every attempt
Product: Credit reporting, credit repair services, or other personal consumer reports

All three reporting agencies have incorrectly stated that my oldest account is XXXX XXXX XXXX when my oldest account is XXXX XXXX XXXX with XXXX. { one more ridiculous XXXX XXXX issue* see previous complaints } Additionally all three reporting agencies are more than 30 days late in reporting new balances this adversely affects my credit rating transunion is the worst offender but all XXXX lag behind real time to an untenable degree. 
I am unsure if the mis-rating of my credit rating is retaliatory based on prior complaints to CFBP or just business as usual for this industry but my rating on all 3 should be XXXX thats post amex 's unlawful damage to my account. { If my accounts are unrestored by XX/XX/XXXX, I have counsel ready to serve XXXX legally but will not proceed with legal action until I receive the final resolution / company response from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXXXXXX, has violated my rights. 

XXXX XXXXXXXX XXXX XXXX  XXXX, has violated my rights. 

XXXX XXXXXXXX XXXX XXXXXXXX, has violated my rights. 


XXXX XXXX XXXX XXXXXXXX, has violated my rights. 


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
Product: Credit reporting or other personal consumer reports

i see unauthorized inquires and collections and late payments and addresses that dont belong to me.
Product: Credit card

I had a balance transfer offer that expired XX/XX/XXXX ( XXXX ). My bill is due the XXXX of every month. On XX/XX/XXXX I called Citi Bank and spoke to customer service because I wanted to make sure I paid the correct amount, which would include the minimum amount due, the balance of XXXX XXXX, and any interest it has accrued from the expiration date of XX/XX/XXXX. The customer service representative told me the minimum amount due was {$230.00}, the balance on XXXX 5 was {$4900.00} and it had accrued {$24.00} in interest from XX/XX/XXXX. He told me I had to pay {$5100.00}. I made a payment of {$5200.00} on XX/XX/XXXX. 

When I looked at my statement that ended XX/XX/XXXX, I realized that the payment had not applied correctly and I called customer service. I spoke to a supervisor " XXXX '' and she told me she would be emailing the back-end team to have this resolved. She also credited the interest from XX/XX/XXXX {$28.00} and XX/XX/XXXX {$77.00}. 

When I looked at the statement that ended XX/XX/XXXX, I realized that the payment still had not been applied correctly. I called customer service. I spoke to a supervisor " XXXX ''. He assured me he would fix the issue. He told me that " XXXX '' had ot emailed the correct people. He told me he was emailing the back-end team and that it would be resolved in 3-5 days. He refunded the interest from XX/XX/XXXX {$69.00}. 

I looked today, XX/XX/XXXX, because I wanted to make a payment for this month. The statement ending XX/XX/XXXX, still has not been corrected. I called customer services again and spoke to a supervisor XXXX. XXXX told me that the back-end team refused to fixed how the payment from XX/XX/XXXX, was applied. 

XXXX told me that the customer service person I spoke to on XX/XX/XXXX, was wrong and he should have told me I had to wait until after XX/XX/XXXX ( after the bill closed ) to make the payment. If I had waited to make my payment until after the bill closed, it would have been applied to XXXX XXXX. I asked him for this policy in writing, and he told me that Citi does not have the policy in writing, " that is just how it is ''. He told me that he was going to email the back-end office again and explain that the customer service person from XX/XX/XXXX, gave me the wrong information. He also refunded the interest of XX/XX/XXXX, {$67.00}, and XX/XX/XXXX, {$66.00}. If I would have waited to pay my bill until after it closed, I would have been making a late payment and would have been charged {$30.00} late fee. XXXX XXXX had already accused {$24.00} in interest and it would have accrued 4 mores days of interest at 17.99 % interest. That is not only unfair but inappropriate. This is the second time that CitiBank customer service has given me incorrect information regarding payments and interest rates. Because of this this is the second time I have had to make a complaint to CFPB regarding CitiBank. Thank you for your help. I can be reached by email : XXXX or cell phone XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally request your assistance in investigating inaccuracies and unauthorized accounts and other inaccurate information on my credit report, which have directly impacted my ability to be approved for loans. Despite my efforts to resolve the issue with the credit reporting agencies, these discrepancies remain unresolved. The information on my credit file includes which I did not authorize or recognize. As a result, my creditworthiness has been significantly affected, leading to my denial for crucial financial opportunities, including XXXX Incorrect Address XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX Charge Off XXXX XXXX XXXX {$260.00} Date Open : XX/XX/XXXX Collection XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX {$470.00} Date Open : XX/XX/XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX {$100.00} Date Open : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  ) XXXX {$0.00} Date Open : XX/XX/XXXX Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Student loan

My loan went into default. My parents and I went to court and settled the matter and make regular payments to a collection lawyer for XXXX. I feel that I will never be out from under this situation. I ca n't find anyone to refinance, consolidate this and my XXXX loan. My credit is horrible because they do n't report payments being made just late and collection. I am willing to repay my debt, but I feel like I 'm being taken advantage of. All I want to do is pay and get a lower rate.
Product: Checking or savings account

My checking account was suspended by Upgrade Inc without any details, or phone call to verify anything happening with my account. I havent done anything wrong. My deposits come from my work ( XXXX  ) and I have XXXX checking accounts connected for transfers my wife and I have a joint account with XXXX XXXX  and my wifes account with XXXX. I make credit card payments to either my credit card or my wifes. I am the only one accessing the account. To my knowledge I havent done anything that a normal person would do with checking account. I called upgrade and told them that all transactions were made by me. They have refused my phone and email on several occasions to provide me with any detail as to why my account is frozen. They have also refused to transfer my remaining funds out of the checking account and into my connected XXXX XXXX account and close both the checking and savings account I have with them. They have frozen my assets without giving me a reason or cause or timeline for when this will be resolved
Product: Student loan

I have been with Navient since they switch from  XXXX   XXXX  and I was getting random emails saying that my Forbearance request was approved. I have not request any Forbearance from Navient. I have also paid a ( personal ) loan with  XXXX   XXXX , and paid it off, and provided them the proof payment for it, and their still requesting me to pay it. I have recently reached out for help with   XXXX   XXXX   XXXX  , now I see a list out that this is a bad company too. I 'm so confused on what to do. I will be in debt for ever it seems, this all started in    2005  now I have a home and it will be paid off before these consolidated student loans. Or the ( private ) loans. There is always a brick wall with these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

HARD INQUIRY __________________________________________________________________ XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX   XXXX, TX XXXX CONTACTED COMPANY, THEY SEE THE INQUIRY AND IT SHOWS AS STAND BY ( NO ACTION MADE AFTER THE ATTEMPT OF OPENING AN ACCOUNT ) ACCOUNT WAS NEVER OPENED. BUT IT IS STILL ON MY CREDIT REPORT FROM XXXX   AND TRANSUNION _________________________________________________________________ XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX CONTACTED COMPANY, THEY SAID THAT IT SYSTEM CAUGHT IT AS POTENTIAL FRAUD AND CANCELLED IT BUT IT IS STILL ON MY CREDIT REPORT FROM XXXX
Product: Debt collection

Data is not showing current information with Corelogic Rental Property, XXXX and SafeRent. 
XXXX XXXX XXXX was paid in full attached proof of verification items were paid in full on XX/XX/19.