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

On XXXX of last year I noticed 2 fraudulent charges in my account. One for {$270.00} and another for {$250.00}. The moment I realized I contacted PNC immediately and notified them. I just joined this bank and already I was experiencing fraud, topped with their terrible customer service experiences I decided to close out all of my accounts with them. Of course the closing of my accounts took forever with their employees refusing for over an hour and a half to let me speak with the necessary parties to do so. When I finally got someone they stated they had to wait until XXXX to close out the one remaining checking account that holds the dispute for the two fraudulent transactions mentioned earlier. I said that was fine since I know I didnt make those two transactions. Keep in mind since their service was so bad, coupled with I didnt even receive a fraud alert for such major transactions I switched back to my previous bank XXXXXXXX XXXX since XXXX of XXXX. XXXX XXXX   has been my main bank since and no transactions at all have been coming out or deposited into PNC. Yet somehow with the account they refused to close because of the pending dispute ( still not sure why its taking them 3 months for transactions that werent mine ) they are charging fraudulent fees. This checking account is a student account thus there is no monthly fees, so I dont get what fees theyre charging for in active account bringing it to the negatives and then having they audacity to charge overdraft fees they created. Fast forward to XX/XX/XXXX. I opened the app to finally see if they closed out the account only to see they refused the dispute asking me to pay for transactions I didnt make. Yes an app had to tell me they never sent a letter or called!!! This bank is above ridiculous! Im not paying for transactions I didnt make, and fraudulent fees theyre charging me because they want to keep an unwanted account open. I did some research and found out Im not the only victim to this scam of theirs, there was a whole lawsuit in XXXX by many customers of the bank and if they dont rectify this situation I will be their XXXX lawsuits and I have proof of not even having access to my bank/debit card at the time of the fraudulent transactions. Im tired of calling just to be transferred around for 2 hours because no one wants to help me.
Product: Credit card or prepaid card

I made two payments to my accounts. 

1. On XXXX/XXXX/XXXX I made a {$700.00} payment to my reserved line 2. On XXXX/XXXX/XXXX I made a {$1000.00} payment to my credit card Neither of these payments have been applied to my account. The company refused to rectify this situation and now I am out of {$1700.00}. I need help solving this. I have tried to contact the company to ask about my payment and they refuse to provide me with any information. There is something fraudulent going on with my account. I never asked the company to transfer payments from one account to the other. This is a fraudulent situation. Someone has taken my payments and misapplied my payments and reversed it off my account. So where is my {$1700.00}?
Product: Credit reporting or other personal consumer reports

Back in XX/XX/2023 a representative called me to make a payment on my credit card. They asked me if I wanted to sign up for automatic payments & have a cheaper payment ( who wouldnt want a cheaper payment ) & make a payment for that month. The representative set up automatic payments but never made that payment as agreed. This closed out all the rest of my credit cards. Ive never had a late payment on anything on my credit in my life besides this situation with XXXX XXXX XXXXXXXX. So disappointed.
Product: Checking or savings account

My Square account was deactivated 2022. The last transaction I made on the square account was on XX/XX/2022. 

I had disputes on the account that was later cleared on XX/XX/2022. 

I have funds on my square account over {$4000.00} in which square has not allowed me to withdraw. 

When I complained to Square, I was given the following response. 

" Hi XXXX '' After a comprehensive review of your account, we have determined that we are still unable to process payments for your business. Our decision to deactivate your account is final.

We understand that it can be frustrating to have your account deactivated. However, due to security concerns and the obligations of our agreements with card networks and other financial institutions, we can not provide additional details ''.

In the first paragraph of Square response, Square said they are not able to process payment to my business which I accept because they already deactivated my account and stopped processing payment since XX/XX/2022. I am not asking Square to process any payment for my business, I am only asking to get my funds leftover on the account. 

In the paragraph two of Square response, Square mentioned about the agreement of card networks. I understand I had a disputes with my customers but those disputes were closed since XX/XX/2022 on square and so I am entitled to my money leftover on square. 

The disputes I had on Square were all closed and whatever agreement Square has with credit card networks is not applicable here because I do not have any disputes on square. I am only looking to withdraw my balance of over {$4000.00} leftover on my Square account after deactivation.

Square has refused giving me access to my money, they only talked about section XXXX and XXXX of user agreement which talks about service termination. 

I know square can terminate account by deactivation, but the funds has to be given to the owner after 90 days. 

In my own case, the decision for square to hold my funds since XX/XX/2022 is u justifiable without any disputes. 

I have uploaded a screenshot where Square said they will not support processing payment for my account. I have made it clear to square that I have accepted the status of my account to remain deactivated, but that I need to get my money out which has been sitting there unjustifiable
Product: Mortgage

I was modified in 2014 under the MAKING HOMES AFFORDABLE plan with XXXX XXXX XXXX. I also have a 2nd mortgage with PNC. This is a toxic mortgage that is interest only that I Have paid for 13 years already, never any principal going down. Since I was modified under the government program, MAKING HOMES AFFORDABLE in 2014,  PNC was to offer me a XXXX loan modification. They never offered this to me. I am stuck with this toxic loan. They make excuses that about match lists. I am enclosing a copy of my HAMP modification and I want PNC to offer me a XXXX with the 1 percent interest rate for 5 years and the XXXX bonus for 5 years of good payments. Please help me. I am XXXX and living on a fixed income. XXXX XXXX helped me very much and this lender is not working with clients the way the rules state. Thank you
Product: Credit reporting or other personal consumer reports

I was able to review and check my credit report and there are some problems with some of the accounts that are reporting me late. I was never late on these accounts and I am under auto pay with my cards and I ensure that there's always money on my card and it's never empty
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, account number XXXX. I have no knowledge of this account and i have disputed it a number of times, ive asked them to validate this debt, and ask them to supply infomation on how they validate this item. doesnt belong to me.
Product: Credit reporting or other personal consumer reports

Account name XXXX XXXX XXXX Date opened XXXX/XXXX/2020 Balance {$9700.00} XXXX previously reported this dispute with Company experian and its still showing and I feel it was not properly investigated
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am having an issue of getting my free annual credit report Certegy, XXXX XXXX and XXXX. I am entitled to an annual free credit report.
Product: Vehicle loan or lease

Capital One has a grace period for pay your auto loans on time. When I paid my monthly payment for the loan it was within the grace period. The amount was for about {$200.00}, my monthly payment is {$240.00} and some change a month. 

They report to the three credit bureaus that my payment was late, it wa n't late because i paid within the grace period except for {$48.00}. I was short but did n't think I would be hit with a late payment when I did make the payment it was a little short. My balance would carry over not to hit my credit report with a late payment, which dramatically lowered my Credit score by a XXXX points. I 'm trying hard to maintain good credit.
Product: Money transfer, virtual currency, or money service

Support request : # XXXX with Venmo On XX/XX/XXXX, Venmo suspended my account with a balance of nearly {$4000.00}. I reached out to them and requested that my account be closed and funds returned to me through their online contact form. They responded back through email on XX/XX/XXXX requesting my drivers license which I uploaded. Within an hour or two, they closed my account and said that they closed my business account but my personal account was still active. There was no mention of the funds remaining in my business account.

I responded to their email asking about the funds on XX/XX/XXXX but never received a response. I reached out through their chat support and spoke to online support ( request XXXX  ). They said they would forward my info on and someone would get back to me. I received no response. On XX/XX/XXXX, I attempted to contact them and received a message it was out of hours and they would get back with me. I also received no response.

Essentially, they promptly closed my account with no explanation of what will happen with my funds and refuse to acknowledge any requests. I would like to receive the funds from my business account totaling nearly {$4000.00}
Product: Mortgage

The most recent date for the change in interest rate on our mortgage was XXXX XXXX, XXXX. Nationstar did not send the disclosures required by 12 C.F.R. 1026.20 ( c ) prior to the change in interest rates. Nationstar has not sent us monthly mortgage statements in 14 of the 36 months since taking over servicing on the loan on XXXX XXXX, XXXX. Nationstar did not send mortgage statements for the months XXXX XXXX through XXXX XXXX and then sent statements in XXXX and XXXX of XXXX. The XXXX and XXXX Statements have conflicting information concerning the interest rate on the loan and the monthly payment amount, plus unexplained fees. The XXXX Statement shows a interest rate of 3.00 % through XXXX/XXXX/XXXX and a monthly payment of {$1900.00}. The XXXX Statement shows an interest rate of 3.50 % through XXXX/XXXX/XXXX and a monthly payment of {$1500.00}. In XXXX Nationstar did not provide the disclosures on the loan regarding the first change in interest rate on the loan required by 12 C.F.R. 1026.20 ( d ). All totaled, in the three years Nationstar has serviced our loan they have not provided 14 monthly Statements and two required disclosures concerning interest rate changes. Even after multiple requests, Nationstar has also failed to provide a copy of the Note with any modifications thereto as required by California Civil Code section 2943 ( b ) ( 1 ). Despite previously filing multiple complaints with the CFPB and the California Department of Business Oversight, Nationstar continues with its scofflaw ways.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a loan originally with XXXX XXXX XXXX. The account was charged off and sold too United Check Recovery Bureau Inc. I paid and settled the account two years ago. United Check emailed me a settlement letter and never updated the account to the credit bureaus. The account is still showing derogatory and charged off. Its supposed to be showing closed and settled. I called them over 40 days and informed them of the situation. I was told it would be fixed and it has not been corrected. It is affecting my credit score.
Product: Debt collection

Subject : Notice of Failure to Properly Validate Debt under FDCPA and Violation of FCRA for Reporting Inaccurate and Unverified Data Dear XXXX, I am writing to formally notify you of significant violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) concerning the account referenced in attached letter that was mailed to you. 

Failure to Validate Debt : Pursuant to my rights under the FDCPA, I requested validation of the debt associated with this account on XX/XX/year>. However, your response failed to provide adequate validation of the debt, which should include : The amount of the debt. 
The name of the creditor to whom the debt is owed. 
Evidence that I am responsible for the debt, such as a copy of the original signed contract. 
Your failure to properly validate this debt as required by 15 U.S.C. 1692g of the FDCPA is a violation of federal law. 

Violation of FCRA : Despite the lack of proper validation, you have continued to report this debt to the credit reporting agencies. The information reported is both inaccurate and unverified, which constitutes a violation of the FCRA. 

Reporting such inaccurate and unverified information is a violation of 15 U.S.C. 1681s-2 ( a ) of the FCRA, which mandates that furnishers of information must provide accurate information and correct any inaccuracies in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I am contacting you regarding accounts on my XXXX, XXXX and EQUIFAX credit report. 

I have already contacted THEM but they have done nothing to resolve the issue. There are 6 student loans accounts that not belong to me.

I would like them removed because they are fraud and do not belong to me.

Please make THEM delete these fraudulent accounts ; this inaccurate information has directly affected my chances of getting approved for any type of loan or job or ability to get a license which requires a good credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed some fraudulent accounts with the credit reporting agency equifax and the information was deleted, now almost a month later it is reappearing on my credit report. 
These were the accounts that were deleted and removed from the report I received on XX/XX/2017 Report # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts do not belong to me and were opened in fraud ... XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please take notice that I XXXX XXXX XXXX, am a victim of identity theft. I viewed my credit report file with XXXX  and I am horrified that someone stole my personal information to commit fraud and as a consequence, there are multiple collections accounts on my file. From any perspective, this is an intimidating and overwhelming process. On XX/XX/XXXX, I completed an identity theft report on www.identitytheft.gov. Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. 

The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

There are 10 dishonest hard inquires that need to be removed, suppressed, disputed and blocked from my credit report, see below : I. XXXX  Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX XXXX  : Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX. XXXX  XXXX  XXXX Inquiry date : XX/XX/XXXX V. US SM BUS ADMIN ODA Federal Government Inquiry date : XX/XX/XXXX VI. XXXX Inquiry date : XX/XX/XXXX VII. XXXX Inquiry date : XX/XX/XXXX VIII. XXXX XXXX Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX There are 3 fraudulent accounts on my credit report that need to be removed, suppressed, disputed and blocked : XXXX XXXX XXXX, Opened XX/XX/XXXX, Account number : XXXX Amount : {$6100.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Opened, XX/XX/XXXX, Account number XXXX Amount : {$5400.00} XXXX XXXX XXXX  Opened XX/XX/XXXX, Account Number : XXXX  Amount {$1900.00} XXXX XXXX XXXX  Opened XX/XX/XXXX Amount {$1900.00} Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

I have been receiving harassing phone calls from some debt collectors. All of the debt collection agencies are committing actions that are prohibited by law. It is my understanding that debt collectors may not harass, oppress or abuse debtors or any third parties they contact. I have also been threatened to be taken to court if I do not pay these debts. These phone calls are completely oppressive, harassing, and burdensome. These phones itself are a violation of the FCRA.

To my knowledge, section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. My date of birth is XX/XX/1986 and my social is XXXX. I am a victim of identity theft and have already submitted a copy of my police report and identity theft report to both Equifax, XXXX, and XXXX. They have not only ignored my request, but they have not removed these fraudulent items. They also allowed a fraudulent item they had removed years ago to reappear on my credit report. 

Equifax is reporting a fraudulent account with XXXX XXXX XXXX  is reporting a fraudulent account with XXXX XXXX, XXXX  XXXX, and XXXX XXXX XXXX is reporting XXXX XXXX reporting for XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I wrote a letter asking the credit bureaus to investigate this account XXXX XXXX XXXX  Account Number XXXX but I recently noticed another today on my TransUnion credit report by XXXX XXXX Account number XXXX on my credit report because I saw several errors on my credit reports far as names, addresses, numbers and employers.I seen 2 weeks passed I didn't hear a response I figure it maybe got lost in the mail so I sent it certified mail I have the reciept with the tracking number that I will upload, The credit bureaus have yet to respond and it has been more than 30 days and I have not gotten one piece of mail with a response also I was currently incarcerated and did not come home until XX/XX/XXXX these account where open while I was incarcerated how is that possible this grounds for removal.They also violated my rights under 15 U.S.C 1681 Section 602 A and 15 U.S.C 1681 Section 604 A Section 2. The Law clearly states I have the right to privacy and states that a consumer reporting agency can not furnish an account without my written consent or instructions. I have not given these accounts written permission to furnish these accounts on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX has violated code 15 U.S.C 1681 Sec. 602 A which states that I have the right to privacy. Also Code 15 U.S.C 1681 Sec. 604 A Sec. 2 states that a consumer reporting agency can not furnish an account without my written instructions. Also the information on my report isn't 100 % correct, that also violates my privacy.
Product: Payday loan, title loan, or personal loan

A sales rep from XXXX XXXX applied for a loan for me as part of a sales pitch. There are allegations that sunlight financial worked with XXXX XXXX in fast tracking huge inflated loans, with promises of credits snd rebates to defeat XXXX large part if the cost. XXXX XXXX has filed XXXX  bankruptcy.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

Advance Financial should be taken out of business. I was not aware of the 279 % interest they charge for a flex loan. They took a total of {$450.00} per month out of my checking account since the beginning of   XXXX  . My payoff balance only keeps getting higher and higher. Their flex loans are set up to  XXXX  customers over and make them further in debt by not helping them in any way due to the outrageous interest rates. What a scam!!
Product: Checking or savings account

Date : XXXX thru XXXX I have been a Chase customer for over 20 years. Back when it was Washington Mutual and even before then, when it was XXXX XXXX XXXX in the XXXX 's. I'm writing this complaint today to inform you that Chase has closed all my personal & XXXX accounts and also my daughter 's high school account WITHOUT ANY VALID REASON. I was never negative, received NSF fees and had daily transactions on all my accounts. They froze my accounts, had me on hold for 1-3 hours for 2-3 days and they simply said it was a " business decision. '' What  kind of professional answer is that??? I was livid and couldn't understand why. They continued holding on to my funds until they received a letter from the XXXX. A non existing letter because the XXXX doesn't provide personal letters. You might think that is the reason why they closed my account, right? Nope, that's just the reason why they held my funds. I wasn't able to operate any money transactions and the local branch was no help with all their limitations due to the pandemic. They made me wait outside while there were 3 available bankers available. I only know they were available because I can see there empty seats for 2 hours while I was in 100 degree weather. They basically did not want to help and could care less about their customer. A long term loyal one. Needless to say, after 5 hours on the phone with them ( including hold time ) & 6 hours at the branch, I was able to get my funds back. It was one of the most challenging tasks I've ever had to do. I will promise you this, I WILL NEVER BANK WITH CHASE AGAIN nor will I recommend this financial institution to any human being. They really went far & beyond to make sure I stay in the dark and never find out WHY they closed my accounts.