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

Starting on XX/XX/2019 I began accumulating mass amounts of overdraft fees and it was all due to my mobile app and online banking not reflecting appropriate balance info when I was logging in to check prior to purchases. Now after the initial overdraft fee I continued to be assessed fees until XX/XX/2019 and in total had 5 overdraft fees. 2 of these fees I was aware of prior to withdrawing money however the others were done wrongfully. I feel lied to because of the online information being wrong. This is the 2nd time I've had an issue with pnc bank over charging me on overdraft fees and all due to how the mobile app and online banking process things. Of course the PNC employees did nothing. I love having PNC as my bank because when I do need to use the overdraft coverage it does help which is why I was expecting the two overdraft fees from cash withdrawals. However because of this huge amount of overdraft fees I'm missing money for bills which upsets me greatly. It isn't fun feeling like you cant always trust your financial institution. I want to be refunded 3 of the overdraft fees due to the way the mobile and online systems have processed things.
Product: Mortgage

Greentree merged with Ditech. We received a statement in the mail from Ditech ( we have an XXXX loan and the XXXX is with Ditech XXXX. We have tried calling their customer service on XXXX different occasions as we need a statement of the last 12 months of transactions. We tried to create an account online but it is saying it does n't recognize that account number. Every time we call the customer service number we get a different answer ... .they ca n't find our account but do n't know why we ca n't access it online. On several occasions they say they ca n't find our loan based upon the Loan number they gave us nor the social security number and address tied to the account. Either this company hires incompetent employees or they are shady ... .I am leaning more towards shady. Is n't it our right to access our account information? Are n't we entitled to get this information when requested. I would also like to mention that this account is and has always been in good standing. If they ca n't find us when we call, how can we be sure they are applying our payments correctly?
Product: Credit reporting or other personal consumer reports

I am formally disputing the accuracy of an account reported on my credit file. The account in question is listed under the name XXXX XXXX with the following discrepancies : XXXX. Inconsistent Reporting : This account is only reported under Equifax but does not appear on my XXXX or XXXX reports. This inconsistency violates the Fair Credit Reporting Act ( FCRA ), which requires accuracy and completeness in reporting. 
XXXX. Inaccurate Charge-Off Information : The account balance is listed as {$0.00}, yet the account is still marked as a charge-off. This contradiction suggests outdated or inaccurate information. 
XXXX. Reporting Errors in Payment History : The payment history reflects delinquencies ( XXXX and 60 days late ) in 2020 without clear supporting evidence or proper updates. 

FCRA Violations The reporting of this account violates the following sections of the FCRA : XXXX. Section 605 ( 15 U.S.C. 1681c ) : Inaccurate or Obsolete Information Credit reports must accurately reflect account information. Reporting inconsistencies ( such as an account being reported only to one bureau and not others, or inaccurate charge-off details ) may violate this section.

2. Section 607 ( 15 U.S.C. 1681e ) : Accuracy of Credit Reporting Credit bureaus must ensure maximum possible accuracy of information in consumer reports. If the account is reported inaccurately to Equifax and not at all to XXXX or XXXX, this violates the requirement of consistent and accurate reporting. 
XXXX. Section 611 ( 15 U.S.C. 1681i ) : Right to Dispute Inaccurate Information If disputed, credit bureaus are required to investigate and correct or delete any inaccuracies within 30 days. Failure to do so violates this section. 
XXXX. Section 623 ( 15 U.S.C. 1681s-2 ) : Furnisher Responsibilities Creditors or furnishers of information must provide accurate and complete information to the credit bureaus. If this account has been reported inconsistently or inaccurately, the creditor has failed its responsibilities under this section.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, I have a closed account on my credit report, from COMENITY BANK/VCTRSSEC which was closed in XXXX, however, my credit report shows that it was closed in XXXX, which is not true. Is there any way the date can be corrected or this incorrect account be removed from my credit report as it is older than the date shown? thank you - XXXX
Product: Checking or savings account

Bank of America held XXXX of my money saying I made a duplicate check deposit on mobile banking. They closed my account and reported me to chex systems all before talking to me and asking me what could have happened. 
I proved that it was not a duplicate check deposit, but they continued with their decision to close my account and never sent me the money that I deposited. They told me to wait 21 days, and they would issue me a check. I waited and suffered behind a payday ... and then I got a letter in the mail saying that they were holding the monies until they could be verified. However, the monies was verified the entire time by the fact it was sitting in the bank accounting. I never got that money. and the account is closed and I can not get another account due to chex systems. Also, they made me verify myself over six times by driving up to XXXX, Oregon and showing my I.D . and social security card. This expense was XXXX dollars every trip counting food, gas, and lodging and time off work. 
In addition to this final insult, durring the lifetime of the account their were multiple time my account was frozen without explanation. Each time my account was frozen I was told the only wasy to clear it was to drive to the nearest financial center and verify myself. This was a long trip. The closest Bank of America to my hometown is over 400 miles. I had to take time off work, borrow money for the trip, be late with bills and rent, etc. I had to find the money to get up to XXXX with my money frozen and I was unable to pull it out to make that trip. I had to borrow the money so when my account was unfrozen I had to pay back the debts putting me in a XXXX balance again. This happened six times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a car loan with TD Bank that was paid in full in 2010. TD Bank has the car loan listed as a Credit Card which I did NOT ever have with them. I have only had a car loan which was paid in full and closed in 2010. This is a closed account that has been paid in full continues to pop up and is renewed on my credit report. It needs to be gone
Product: Credit card or prepaid card

I recently became aware of a billing error on my statement. Pursuant to 15 USC 1666d any credit balance in excess of {$1.00} should be credited or refunded to the consumer. I have identified in a billing statement issued on XXXX XXXX, XXXX  in the amount of {$21000.00} should be refunded or credited to me the consumer. According to 18 USC 8 all debts public and private is the obligation of the United States.
Product: Credit reporting or other personal consumer reports

please remove " no-mailable address. '' XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

We were given a pre-paid VISA debit card with a face value of {$50.00}. This was sometime back. The card number was XXXX XXXX XXXX XXXX with a cvv of XXXX. The expiry date is XX/XX/XXXX. 

We tried to register/ use the card today ( XX/XX/XXXX ) online at XXXX. We could not as the system rejected the card as invalid. 

We called customer service XXXX XXXX. After great difficulty could reach a customer service representative. She informed us today that the card is invalid. We have not used the card at all. She informed that the card could be invalid either due to ( 1 ) expiry or ( 2 ) the deduction of monthly fees that will bring the card value down to invalidity. 

We also see a fine print on the back of the card that states " U.S.Bank will deduct from your balance an inactivity fee of {$2.00} per month after 12 months of inactivity except where prohibited by state law. .. '' We see this as unfair practice and request CFPB to intervene and address it. Just searching the internet shows the extent of losses suffered by common citizens due to this fine print.
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also, they aren't even in compliance with Metro 2 credit reporting. 

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In XXXX our mortgage, previously serviced by XXXX, was acquired and began to be managed by Roundpoint Mortgage Services. This transition was obviously not something we had a choice in. Following the transition, Roundpoint began to deduct the mortgage payment from the checking account, only with a randomized amount somewhat below what we'd set up on XXXXXXXX XXXX website, but considerably above the minimum payment due. I made repeated attempts, both on Roundpoint 's website and through contacting them via phone, to have this adjusted. The website seems incapable of addressing the autopay settings. 

In XXXX a stolen checkbook led to the closure of our checking account and the opening of a new one. Unfortunately Roundpoint continues to attempt deducting our mortgage payment from the old account. I had to manually pay an extra payment at our last cycle knowing that they one they show to have been made will be rejected. I've added the new payment account, but can't delete the old one because it is being used for autopay. But there is literally no way to change that on their website, and they refer you to contact them which unfortunately doesn't seem possible. 

I have called and tried to get through to a real operator, but been forced to leave my number for a callback. If one came, it was while I was in a work meeting. Today I tried calling during normal business hours and it actually gave me the option of speaking to an operator by pressing " XXXX. '' When I did so, however, the computer said that their offices had closed early. I attempted to write an email, since that is an option for contacting them. But the email dialog box that opens has a character limit far too short to explain my situation. 

How can I, as a consumer, be subjected against my choice to a company with such poor or impossible customer service, making deductions from checking accounts that I have no control over, and potentially impacting my credit history?
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian last Friday about all of the information I deemed as fraudulent and should be removed pursuant to the Fair Credit Reporting Act as codified in 15 USC 1681b ( permissible purposes ) including inquiries with no accounts attached, personal information, and any information that was degrading my creditworthiness such as late payments which are also fraudulent. They informed me of late payments on my report which is a violation of the 15 USC 1666b ( a creditor may not a payment on a credit card account under an open end consumer credit plan as late for any purpose ). I demanded these accounts ( SECU and XXXX XXXX XXXX XXXX ) report to being PAID ON TIME. I am sending this complaint to ensure this happens as this is my consumer report and by federal law I can tell EXPERIAN whatever to report on my consumer report under FCRA. Failure for EXPERIAN to do so is a violation of my consumer rights and the FCRA which could result in a federal lawsuit.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX / XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Docket Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I hope this letter reaches you in good health. I am writing to express my ongoing frustration and disappointment with the persistent challenges I have faced in attempting to remove fraudulent items from my account. Despite multiple attempts, these items remain unresolved, causing significant distress and concern. 

I have diligently pursued the correction of these entries through multiple attempts, as outlined below : Initiated contact with your customer service department to report and request the removal of fraudulent items from my account. 

Submitted a formal written complaint, providing comprehensive documentation and evidence supporting the fraudulent nature of the items in question. 

Engaged in follow-up communication with your fraud department, providing any additional information requested and cooperating fully in the investigation process. 

Escalated the matter to a supervisor or manager within your organization, seeking urgent intervention and resolution. 

Despite these concerted efforts, the fraudulent items persist, causing distress and financial insecurity. This situation not only jeopardizes my trust in your company but also raises concerns about the effectiveness of your fraud prevention and resolution procedures. 

I implore you to conduct a thorough and expedited investigation into this matter and take immediate action to remove the fraudulent items from my account. Additionally, I request clear communication regarding the steps your company is taking to prevent similar incidents in the future. 

If this matter is not resolved satisfactorily within the exact timeframe from the date of this letter, I may be compelled to explore alternative avenues, including reporting the issue to relevant regulatory authorities and seeking legal counsel. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On or about XX/XX/XXXX, XXXX and TRANSUNION removed my paid in full : account for XXXX XXXX  XXXX XXXX. XXXXXXXX XXXX XXXX XXXXXXXX has been reporting this account to both XXXX and TRANSUNION since XXXX of XXXX. XX/XX/XXXX. I paid the Auto account with XXXX XXXX  off in full. XX/XX/XXXX, I in writing requested that XXXX XXXX XXXX accurately update my profile to reflect the account was paid off in full and to list the high balance ( this information was missing in the reported data. ) Around XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  Account was DELETED from my XXXX, and TRANSUNION credit reports. I did not authorize or request the deletion of the XXXX XXXX XXXX XXXX account. I contacted TRANSUNION on XXXX XXXX, XXXX and requested that the XXXXXXXX XXXX XXXXXXXX XXXX account be added back to my credit report. TRANSUNION ' agent informed me that TRANSUNION can not place the account back on my credit report after it is deleted. I called XXXX on XXXX XXXX, XXXX, and was informed by its agent that I have to contact XXXXXXXX XXXX XXXX XXXX and request that the creditor place the account back on my credit report at XXXX. XXXX XXXX, XXXX, I spoke with XXXX XXXX XXXX at XXXXXXXX XXXX XXXX XXXX and asked that the Auto account be re-added to my credit reports. Also- That I did not authorize the deletion of the account. The deleted account has caused my credit score to suffer a decrease of XXXX points. I paid the Auto Loan off in full. I want the account to remain on my credit reports. XXXX XXXX ( XXXXXXXX XXXX XXXX ) informed me that he ( XXXX XXXX ) - would contact XXXX and see what to do about the account and that he would call me back the same day. No follow up contact was made to me by XXXXXXXX XXXX XXXX  At this time. The XXXXXXXX XXXX XXXX XXXX  is currently missing from both my XXXX and TRANSUNION credit reports. The account was removed from my credit reports without my consent. XXXX XXXX XXXX XXXX  had been on my credit reports for at least three and a half years before this account was deleted without my permission.
Product: Checking or savings account

Robinhood Spending Account Endangerment and Weak Safeguards. 

Robinhood as of XX/XX/XXXX restricted my debit Robinhood Spending Account for Unusual Activity after making several deposits from my XXXX XXXX XXXX Checking Account and XXXX XXXX XXXX XXXX. 

The purpose of the transfers were to invest in my Robinhood Brokerage and pay my rent including my XXXX  XXXX bankruptcy via XXXX XXXX to my TRUSTEE which has now put my XXXX  XXXX bankruptcy in jeopardy of being dismissed as of XX/XX/year>. 

I have submitted multiple email requests and phone calls to resolve and release my account. They refuse to speak about why my account has been restricted. The so-called unusual activity was created by myself, making multiple deposits to my Robinhood Spending account XXXX 

This has now endangered me as a customer I have no access to any money. I am unable to buy food, gas, pay my rent, pay my bankruptcy I have no access to credit. 

This could have been simply resolved by asking for documentation or confirming my identity via email or telephone that I am the owners of the XXXX and XXXX account and did in fact make these deposits. 

All of my money is in my Robinhood Spending Account I am in danger, I have no access to money for rent, food, gas or pay my XXXX  XXXX Bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Equifax continues to provide inaccurate information by reporting an account listed as : "  XXXX   XXXX   XXXX  '' in the amount of {$570.00} twice as derogatory ( collections ) on my account. This is the same account listed twice and is not mine. The reporting of this inaccurate information not once, but twice on the same report has resulted in lower scores and financial loss for me.  <P/> Additionally an account listed as  XXXX ,  XXXX  for {$100.00} has been reported and investigated in the past and still reports even though Equifax has been provided with proof of paymen t ( re ceipt to   XXXX   XXXX   for {$100.00} ) showing their subscribe r (   XXXX ,  XXXX   )  is proving false and inaccurate information. The information can be confirmed with Billing at  XXXX   XXXX  at  (   XXXX  )  XXXX - XXXX  Attn :  XXXX   XXXX .
Product: Mortgage

My mortgage was transferred to Rushmore Loan Management Service LLC on XX/XX/XXXX from XXXX XXXX XXXX. I was at the end of Modification with them when it was sold. I received letter from Rushmore saying they are going to honor the modification XXXX XXXX XXXX had agreed on. My Payment 's was sent to BA of {$1100.00} So I started sending Rushmore payments on XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX I paid XXXX. In XX/XX/XXXX I called to make a partial payment I was told No by XXXX he couldn't take a partial payment. I received a call voice message on XX/XX/XXXX saying they were done with my modification. Most Modification after you do three payment 's your starts that next month. I never received my Modification paper 's from them until XX/XX/XXXX. Signed them and had them Notarized on XX/XX/XXXX. They sent me XXXX to me on XX/XX/XXXX. On XX/XX/XXXX they sent me copies of the paper 's I had notarized for my records. The letter was dated XX/XX/XXXX but envelope was dated XX/XX/XXXX. On XX/XX/XXXX a certified letter came with the date on top of letter XX/XX/XXXX. And the notice of intent to foreclose. On modification it states that payment begins on XX/XX/XXXX but I just signed them on the XX/XX/XXXX. I called Rushmore XX/XX/XXXX and spoke with customer service XXXX ID # XXXX he ask was I going to try and save the house I said yes. XXXX was shock and didn't understand why I just signed my paper 's. My loan was transferred on XX/XX/XXXX. Plus my payment went up to {$1200.00}. My question is if I'm just signing my modification paper 's how are they foreclosing on the property? I will be sending over documents. I just didn't here anything until XX/XX/XXXX on the modification.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX has violated my rights with Account # ending in XXXX 15 USC 1681 Section 602 states that I have the right to privacy. 15 USC 1681 Section 604 ( A ) Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. According to 15 USC 1666B : A creditor may not treat a payment on an auto loan account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

My digital wallet was hack with Wells Fargo account XXXX an it didnt go in my account