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

I am filing this complaint to report PNC Bank for its repeated failure to comply with Regulation E ( 12 CFR Part 1005 ) in handling a failed ATM withdrawal dispute that I initiated on XX/XX/year>. Below are the details of my case : Timeline and Violations 1. Dispute Filing and Provisional Credit Deadline : I reported a failed ATM withdrawal to PNC on XX/XX/year>. According to Regulation E, PNC was required to either resolve my dispute or issue a provisional credit within 10 business days, which was XX/XX/year>. 
I did not receive provisional credit by this deadline, which constitutes a clear violation of Regulation E. 
XXXX. XX/XX/year> Visit to PNC : I returned to PNC on XX/XX/year>, to inquire about the missing provisional credit. The dispute department initially claimed the delay was due to their incorrect belief that my account was less than 30 days old. 
After being corrected by the banker, the dispute department acknowledged the error and escalated the matter. A supervisor assured the banker and me that an emergency provisional credit would be issued and deposited no later than XXXXXXXX XXXX XXXX XXXX on XX/XX/year>. 
XXXX. Continued Failure to Credit Funds : As of this writing, it is past XXXXXXXX XXXX Eastern Time on XX/XX/year>, and the provisional credit has still not been issued. This constitutes a second failure and a further violation of Regulation XXXX. 

Impact on Me PNC Banks repeated delays and misinformation have caused me significant financial hardship and emotional distress. I have been unable to access the funds I rely on to meet essential expenses, and I have been misled multiple times throughout this process. 

Request for Action I request that the CFPB : 1. Investigate PNC Banks clear and repeated violations of Regulation E. 
XXXX. Require PNC Bank to issue the overdue provisional credit immediately. 
XXXX. Impose appropriate penalties to ensure compliance with consumer protection laws. 
XXXX. Consider restitution for the financial hardship caused by these delays. 

Thank you for your attention to this matter. I am happy to provide additional documentation or details upon request. 

Sincerely, XXXX XXXX XXXX XXXX.
Product: Debt collection

A 3rd party collection agency that XXXX XXXX hired, had received the required payment as requested on a written agreement ( half of the {$890.00} owed ). In receiving this agreed amount, the company stated the account is consider fully paid and closed. Yet, XXXX XXXX still continue to report on the account and attempt in collecting.
Product: Credit card

I have three credit cards from Concora credit I called to close a credit line I had, I paid the full balance and was told that it was done, 15 days later they charge me XXXX dollars in fees and charged me interest on it. I called and asked if it can be waived since its been closed now. I was told no and I asked to speak to a manager about why I was charged they locked all my accounts and will not let me pay them and close the three accounts in full this is now reflecting on my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair act XXXX XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX  Account XXXX, XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, 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 that a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is about the three major credit agencies and the errors I can not get fixed. 

On XX/XX/XXXX I closed my XXXX cell phone account after repeated and egregious fraudulent charges went unaddressed. I opened an account with another service. My bill was paid. Their bills continued to accrue even though I not only no longer had service with them, AND had been billed for and paid charges for months in advance, AND confirmed that I owed nothing online with a chat rep and downloaded a document which Ill include, yet they continue to report a delinquent account on all three credit bureaus : XXXX, XXXX and Equifax. 

Ive tried correcting this with those agencies but they either have online forms that are hosted on sites that break down, or they seem to do nothing. 

In addition, all three agencies are listing hard inquiries, some twice, on the same dates XX/XX/XXXX and XX/XX/XXXX when I applied for a car loan online and then with XXXX not knowing single applications would go to multiple banks : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX and again XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX Among others. 

Also, they all list me as having no credit history yet I paid XXXX XXXX XXXX  for three years on time. When they sold it to XXXX XXXX they also list me as current. 

Addresses are wrong, places Ive never heard of are listed as former homes.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted XXXX to dispute several inquiries I have on my credit report from various car dealerships. These dealerships ran my credit without my knowledge to several lenders thus resulting in a surplus of inquiries on my report. The inquiries under dispute are : XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) and XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ). I attempted to have XXXX look into these inquiries and they informed me that they would not initiate an investigation until I had letters from these lenders.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XX/XX/XXXX, I contacted the XXXX XXXX XXXX XXXX XXXX to inform them of the inaccuracies and erroneous information be provided by the consumers reporting agencies. They told me that the inform that they have no information on my rental history. Case # XXXX ( file year XXXX ) and Case # XXXX ( file year XXXX ). 
The XXXX case was Dismissed, because I moved after giving a notice to my landlord. The XXXX case was paid in full and I continued to live at the location until XXXX. Also, I contacted the Bankruptcy XXXX. A representative told me, that they do not report anything to any consumers agency. The Bankruptcies were dismissed and do not owe anyone. Why are the bankruptcies showing on the reports? 

Please investigate & remove all inaccurate & erroneous information on my file. 

Thank you in advance for your assistance in this situation.
Product: Money transfer, virtual currency, or money service

On two recent occasions, US Dollar payments that we sent to a UK vendor were converted to Sterling even though our instructions were to send US Dollars. These payments were made to our vendor 's US Dollar account at their local bank so the Sterling could not be received. By the time it was converted to USD, our vendor lost several hundred dollars in fees and/or XXXX  losses. 

Our account is with XXXX XXXX  in XXXX XXXX, NJ. They say that the conversion was done without their instructions by Wells Fargo, who is their default intermediary bank for international wire transfers. 

XXXX has now put our company on a " Do Not Convert '' list with Wells Fargo. They have also told me that our banking covenants may allow them ( or their agents ) to convert the currency of international payments. This does not seem proper to me. 

Finally, I suspect that Wells benefited from this conversion in two ways. First, it may have been intended to help them remedy an unwanted long position in Sterling. Secondly, I suspect that they were the beneficiary of the extra costs.
Product: Mortgage

I had an FHA mortgage that was paid in full on XX/XX/XXXX with Ocwen Loan Servicing. In the payoff quote to the title company, Ocwen Loan Servicing included a full month of interest for XX/XX/XXXX when the loan was paid in full on XXXX XXXX. I waited patiently for over a month for a refund of both my extra month Mortgage Insurance premium, the escrow account funds, and the extra month of interest that was paid @ closing. I also had not received a notice that the mortgage was paid in full, but Ocwen received the funds on XXXX XXXX per my Title company. On XX/XX/XXXX I called to inquire and was told that it would go for research and it would take 2 weeks. A few days later I received a notice giving a breakdown of the escrow account and was told the Mortgage Ins. premium had to be paid for a full month because it was an " agency loan '' and it 's not prorated and a check for the net escrow account was included. I waited the full 2 weeks before calling again on XXXX XXXX about the extra mortgage interest that they collected @ closing for 28 days more than was needed. Again, I was told it was an agency loan and that 's just how it was. I asked for the call to be escalated to management and it was and I was told by the escalation dept. that they would research and contact me in about 2 weeks. I waited 3 weeks and heard nothing so I called again today, XXXX XXXX and was told that there was no refund coming. I informed them of the HUD notice XXXX released XX/XX/XXXX by HUD stating that FHA announced that borrowers who prepay their FHA-insured mortgages will NOT have to make interest payments beyond the date their mortgage is paid in full. FHA 's rule applies for FHA -insured mortgages closed on or after XX/XX/XXXX. This rule explicitly prohibits lenders from charging borrower post settlement interest, which is broadly defined as a " prepayment penalty '' by the Consumer Financial Protection Bureau., for all FHA Single Family mortgage products and programs. I gave the Ocwen the HUD notice number and read the above notice and told them as Lenders they are required to keep abreast of changes that affect their industry. I 'm sure thousands of FHA mortgages paid this year with Ocwen have had the extra interest collected against this policy. I was asked to write a complaint letter and attach the supporting evidence. I told Ocwen that they should have a supervisor check into the new HUD guideline and refund my overpayment of interest in the amount of {$400.00} + interest to me as soon as possible, and that a complaint with the CFPB would be made. This is a rip off of mass proportion as it 's been going on for 5 months so far on the thousands of FHA mortgages they 've done payoffs for this year and continue to incorrectly quote payoff figures.
Product: Student loan

I requested a refund for student loan payments made since XX/XX/XXXX. I called Edfinancial on XX/XX/XXXX to request this. It took roughly 4 hours to speak with anyone. 

Edfinancial was able to put through my loan request but told me it would take up to 180 days. The total amount I should be receiving is around {$4700.00}. This is a full half year to receive this refund. I am eligible for loan forgiveness and without the refund being processed prior to XXXX, the money from this refund will not be forgiven. 6 months is an incredibly long time to process this and my loan balance needs to be adjusted sooner than that.
Product: Credit reporting, credit repair services, or other personal consumer reports

A credit card was attempted to be open on XXXX  with J.P. Morgan chase. I did not open this ac t.
Product: Bank account or service

i had a account with usaa bank for years someone had gotten in to my acct and the acct had gotten closed the problem was my daughter was also on my acct when this situtation happen they closed her accts also the problem is that my daughters and son in laws paychecks our going in to there accts which they closed because my daughter was on them when she called ans asked if she could get her money the bank usaa said it takes thirty days to get her money when i called other banks they said it only takes five days in other banks we need thid money to pay rent and buy stuff for the kids. i am telling people not to bank with usaa because they do people wrong what they say on tv is wrong
Product: Credit reporting, credit repair services, or other personal consumer reports

Asked both XXXX equifax and XXXX to delete fraud inquires and accounts off my credit report and they have failed to do so after they said I would have an update with the deleted items within 24 hours and after 72hours no change I was told this twice once a month ago and recently this week the credit bureaus also failed to send me an updated copy of my credit report along with updating personal information such as name address and employer were never updated
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not delete these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XX/XX/XXXX {$150.00} XX/XX/XXXXXX/XX/XXXX {$8400.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

The paused my payment again just got their it straight made one payment XX/XX/2020 and submitted XX/XX/2020 put pause it ... '' our records show that you are to sen mortgage payments to Trustee '' Ms XXXX XXXX  Phh .owcen ... 
I said I have nothing to this " Call your BK Attorney I said you took my payment XX/XX/2020 once you all straight out it ... 
well XXXX XXXX just yesterday put over XXXX loan in forebearnce didn't even contact borrowers.. 
due to our present financial position they just wont let you continue without drama
Product: Mortgage

Approximately one ( XXXX ) year ago, I submitted a complaint to the CFPB regarding Wells Fargo 's incompetence in correctly paying my annual fire & liability insurance policy premium ( see complaint # XXXX ). After weeks of doing Wells Fargo 's work, and filing a complaint with CFPB, I was finally able to get Wells Fargo to pay the insurance premium from my escrow account as they are supposed to do. I thought the matter was closed and Wells Fargo understood how to pay the premium going forward. Guess what? XX/XX/XXXX rolls around and Wells Fargo is making the same mistakes as they did in XXXX. 

On XX/XX/XXXX, I received an unsigned letter from a Wells Fargo representative named " XXXX XXXX '' ( see attached ). In a nutshell, Wells Fargo electronically dispersed my mortgage escrow funds to the wrong location and are in the process of trying to recover the funds. 

After having already gone through a debacle in XXXX with Wells Fargo, I would expect in XXXX they would have learned from past mistakes and " got it right '' this year. But that's not what happened. The " ask '' here is that CFPB investigate Wells Fargo escrow practices and procedures for compliance with federal regulations. If the escrow funds Wells Fargo dispersed electronically from my account are not recovered, who is ultimately responsible? From XXXX XXXX 's letter, it seems like funds lost in the electronic transfer were mine! 

For a second year in a row, Wells Fargo 's incompetence handling financial transactions is on full display. For a major bank and mortgage company, they should not be making these types of mistakes at all. 

Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX FI XXXX DP OF EDUC XXXX DP OF EDUC XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX N/A XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act and XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights, 15 USC 1681 section 602 A states I have the rights for privacy, 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) opened on XX/XX/2020.
Product: Credit card or prepaid card

Date : XX/XX/XXXX Amount : {$3100.00} Merchant : XXXX XXXX XXXX Fraud dispute : I was not authorized the above transaction. My Discover credit card was stolen and not kept in my position since I left the USA in XX/XX/XXXX. I am still out of country but realized there is a big charge posted to my account posed in XX/XX/XXXX. The company has not solved the issue, and even worse, someone has also stole my online account information and try to file a billing dispute on behalf of me with fake ID. Of course, it is not appropriate and I have to report this case to CFPB for the further action. 

To help you better investigate the case, I have attached the most recent XXXX ( Official document of XXXX XXXXXXXX XXXX XXXX  ) for your reference. Please note that any phone call related to my account would be fraud because I am out of country with no local phone connected.
Product: Mortgage

In 2007 I had a terrible XXXX accident were I almost lost my life, I ended XXXX for about 8 months. As soon as I could write to XXXX, I did explaining my family hardship without my income and all my medical problems at the time. 
Less than a year later, XXXX did not ever responded to me for the hardship and I need it to short sale the second home that I was living in. They also never responded! On this one instead, they foreclosed my home for less than the short- sale offer! Luckily me, I found out inmediately and I send my buyer to the court house with a personal investor friend to retain the house. The customer of mine bought it! 
XXXX listed the sale on my credit report as foreclosed. They really ruined my life, my credit and I ended loosing my business, everything! 
When that home was sold, I moved back to my first home! which unfortunately was also under XXXX loans. Meanwhile XXXX has never responded to me on either one of the properties. Thanks to some leans on this last property of mine, today it has being 9 years with issues with the loans that I 've tried to resolve but no luck. I have asked for help several times, even lawyers, and no one can help. 
A legal advocacy company advised me to contact you with my terrible story and to complain about the neglect from my original mortgagor XXXX, who later turn to XXXX, then XXXX XXXX, the XXXX XXXX XXXX, then Green Tree and now days Green Tree. 
I would really like someone to help me resolve this terrible 9 years nightmare. I dont submit any documents with this initiation of complain because I 'm not sure with docs to submit of all the boxes that I have collected in all of these years, but I promised that I have enough. 
Please contact me on my cell phone at ( XXXX ) XXXX or my private email : XXXXXXXXXXXX Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello good morning my name is XXXX XXXX, I have a bit of a story with this and I hope you are willing to listen. 

In XX/XX/XXXX I was approved for a XXXX  XXXX XXXX XXXX. I was highly appreciative of it since I have had credit issues in the past and I was happy to be given a chance. 

I used this card a fair bit but during my credit rebuild it appears I somehow disputed this card with the credit bureaus and on XX/XX/XXXX I received a phone call from you that the card is currently under dispute and will be locked. I was given the following contact information ; Please call XXXX XXXX XXXX XXXX extension XXXX. I will also attach the voice mail to this email for you to listen to. 

After I called her back I was told the account was disputed and is currently locked. Of course since I was going through a rebuild I was highly concerned about my credit since I knew there was an amount due on it I asked to pay this since I didn't want any issues with my credit. I was told since it was in dispute 1 ) I could not make a payment but not to worry since it was frozen and could not report late 2 ) If I wanted to reinstate it you could fax me a form and after you verify with the credit bureaus you would consider reopening the account. 

I faxed this paper to you on around XX/XX/XXXX give or take a few days. Again your representative told me I could not make a payment but not to be concerned. 

After reviewing my report it turns out the following has happened 1 ) XX/XX/XXXX you gave me a 30 day late payment I would like the following actions 1 ) Remove the late payment since it was impossible for me to pay and I was clearly told by the above agent I would have no late payments and not to worry I have tried to contact your staff including the person who helped me before, I have also tried to dispute this with the credit bureaus and neither has been successful. The fraud agent just take around 30 minutes and then tell me to write a letter. The Credit bureaus just verify both as correct data. 

Please help me. 

In the meantime you gave me a new credit card account in XX/XX/XXXX, which I currently still do use. 

Currently I have the following with you 1 ) XXXX XXXX XXXX XXXX 2 ) XXXX  XXXX XXXX  XXXX 3 ) Checking account 4 ) Savings account My phone number is XXXX XXXX XXXX or XXXX XXXX XXXX. 

My full name is XXXX XXXX and the last four digits of the card involved is XXXX. 

I look forward to a response.