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

This is an ongoing problem since XXXX when my checking account with PNC was unexpectedly closed after complaining about a dispute filed with them about a prior complaint here about XXXX. Instead of investigating, after initially working with customer service for over an hour, the escalation team took the shortcut approach for employees at XXXX who committed numerous overcharges and refunded one entire charge which of course meant more accumulated disputes. That misconduct then triggered a closure of all accounts, giving me the boot though no answer to my question was ever given. That notice was not received until the card could not be used, the letters came post-closure. A complaint filed about the treatment was met with retaliation from the Executive Client Relations Group starting with my check not being released when they said despite multiple requests until posted on social media, 5 days later, the money I transferred to a new bank account ( XXXX ) was taken OUT by a team member at PNC through my linked account and cleared payments like the rent was reversed. I then realized it was likely racially motivated once I remembered my avatar was an actual photo and removed it at that time of course, too late. 

They knew I was 100 % SSDI with proof sent but it did not matter. The check received was over XXXX 's limit and PNC refused to split it with lies and false info like calling it 'layering " until a demand letter was mailed with the check back to the head of retail ( XXXX ) and HR ( Henn ) This is 4 months later and PNC was told I had to borrow from a 3rd party who someone called XXXX XXXX XXXX the layering liar, even spoke to, offering tracking numbers as well so thinking the nightmare was over, got us two checks but they tolo were rejected by XXXX XXXX I saw then the routing numbers and check looked funny and googled it. It was a routing number for a wire transfer then verified by branches surprised to see it was for a deposit. When I called her it was more lies ; they have different accounts and different checks though all prior checks received, none looked as paper think or greyscale but with an orange logo and identical numbers. Only this split check was different. She also had no answer for why you need a paper check for a wire. I decided it was best to cut all communication, send those checks back as well, and to my horror, discovered my XXXX account was restricted, now almost a week. So, frustrated that someone who lent money can not get it back, the last straw is an official complaint. A direct wire request was refused though a deposit slip had a wire routing. PNC can't demonstrate more intent than that one.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint to the Consumer Finance Protection Bureau on XX/XX/XXXX, 2 of the 3 companies responded on XX/XX/XXXX they include XXXX Credit Bureau and XXXX Credit Bureau. Experian did not yet respond which also is an issue. All the information listed on my consumer report was added through identity theft. 15 USC 1681B clearly states the consumer must provide written consent for anything added to their consumer report. Which means they obtained all information through identity theft because I did not consent. That is also a violation of 18 USC1028A aggravated identify theft and the privacy act of XXXX seeing as they shared my SSN. According to 15 USC 1681C-2 the consumer reporting agency has 4 business days to block information resulting from alleged identity theft. It has been 4 days since they opened their investigation and no action has been taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit report on me XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX.. .. I have never given permission for them to inquire my credit status, please remove it from my Experian credit report
Product: Mortgage

My mortgage loan originated with XXXX XXXX, but was sold to Green Tree. Green Tree since has merged with Ditech due to a class action lawsuit. On XXXX XXXX, 2016 I mailed my monthly mortgage payment to Ditech Financial ( Previously Green Tree ). My check was cashed and cleared out of my account by XXXX XXXX, 2016. On XXXX XXXX, 2016 I received a call from Ditech 's collection department requesting a payment for an unpaid balance. After explaining to the women on the phone for a long time that my check had cleared the account from their servicing department, she was still harassing me for a payment. I was able to provide proof and speak with a team leader named XXXX who found my payment and made the adjustment. My payment was mailed very early, and was cashed by XX/XX/XXXX. Still after finding my check and acknowledging their error, my account as of XXXX XXXX, 2016 has yet to be fixed. They have never applied my payment of {$1500.00} to my account, and removed the late fee that should be gone. All of this is an error in their system, and I was harassed by their company to make a payment that had already been cashed in their system. Nearly 1 month after my payment was debited out of my account they still have not remedied the situation. I am very concerned about the future payments. I can also say customer service when I call is very poor. I get put on hold without notice. People transfer me without notice and do not notify the person who I was transferred to why, and most importantly no one has fixed the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am just adding documentation to my original complaint under Complaint Number XXXX. The information that I am providing is my tracking number and receipt that I sent my dispute overnight and it was received on XX/XX/2023 and according to the law, after they receive a dispute Experian would have XXXX bus days to respond to me and remove the inaccurate accounts. Its now 16 days later and nothing. I received nothing in my email, mail or anything. I am send this off to Experian again XX/XX/2023.
Product: Debt collection

I was contacted by a collection agency called Credence concerning a debt owed on an account with XXXX XXXX XXXX XXXXXXXX .I never opened or set up equipment or ever had the service with XXXX XXXX it is showing up on my credit report as a debt owed from XXXX spoke with this company when I moved into my house in XXXX but decided to go with another internet provider because XXXX XXXX  wanted to ship the equipment out to me and I didnot want to wait on the process of me recieving the equipment and doing the self install instead i contacted another company and have been with them since XXXX and i have billing statements as proof this company is not happy that i chose another service provider and is now illeagally trying to get me to pay them XXXX I never signed anything or agreed to there service there eqiupment arrived i refused the box because at that point i had service with another company. I didnt even open the box or set up there equipment how could i be charged an early termination fee for a service i never installed never recieved a bill for and with no equipment could be charged numerous diffrent tv channels with out equipment. I called XXXXXXXX XXXX on wednesday XX/XX/XXXX and asked them to resolve this issue by sending me a written hard copy that there was no account issused under my name address or the account number i provided. I told the agent named XXXX that respectfully i would like to be provided this information and he refused he said he was from the collection deptartment but unforturnely he could not provide the hard copy or an email even though he searched his data base and found no record of an account with my information or the account number I provided to him.Apparently there is some type of fraud going on and i need it cleared off my credit i have XXXX the attempt to resolve ut with there collections department and because they are refusing I am filling a formal compliant and would like to know what other leagal means i have a right to because my information is being used and it is taking a lot of time and energy and effort that is costly to me to get this removed off my credit i am addressing this now because i recently applied for credit and this is comming up I would like it corrected please can you help it is very frustrating knowing that this is not a debt that i owe. I did let him know at the begining of the call that i was recording the call as proof that i reached out to get the matter resolved before filling this compliant he suggested that i do that.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXXXX/XX/22 on XXXX XXXX website I applied for a business credit which is supposed to be a soft pull for their XXXX XXXX XXXX XXXX. So they definitely didnt make it clear that it was going to be a hard pull. Their website just stated that they need your social to verify your identification and not to hard pull your credit then declined me and then it lowered my score like XXXX points. How humiliating. They need to correct this problem. And Experian credit bureau shows it.
Product: Mortgage

Hi my name is XXXX XXXX we bought a house inXX/XX/XXXX let me tell you when I mean going through the process of this was a total nightmare. We were first told 45 to 60 days that started in XXXX XXXX in XXXX we were told I only needed one thing to finishe that took a month going back and fourt with underwriting and lender. Then in XXXX we were told the house was ours that was on a Thursday we were scheduled to close on Monday on the Friday before we were told the person handling our file no longer works there and we have to start all over again from the beginning. Collecting bank statements, check stubs employment verification again why the others we already got couldnt be used I do t know. This took another 3 months now doing this whole time my husband who is XXXX and has major health issues goes on a XXXX at night we were forced to live in a motel paying {$400.00} a week. Then finally the day before we closed the underwriting calls and ask if anything happened to my husband could I handle the house payment. That right there is illegal we feel like the whole process was a big joke and we were being played. Now at the end of XXXX we were in the Hurricane I missed days from work caught XXXX. I was told if we called our mortgage company they would work with us. Oh ya they are working with us alright told me I could have a 3 month forbearance pay what I could. I asked the gentleman I spoke with if I was gon na get penalized for not making a payment and if I was gon na have to make a large payment in XXXX he told me no. Big lie now I find out I gave to come up with XXXX by XXXX first. Im afraid to ask for mortgage assistance for fear of being put through the run around again I dont wan na lose my house I can handle the payments we just got put in a situation with the Hurricane.
Product: Mortgage

I received a letter notifying me that my mortgage loan will be transfer from HSBC to XXXX Mortgage, and now that I have received my first new statement it has a lot of legal fees added to my account, when I call the new mortgage to ask about it they said their charges from my previous company HSBC, if HSBC sold or transfer my account to an other company why they are charging me the legal fees if my account is NOT pass due or behind on my payments? I have actually been sending extra principal on my payments for the last 5 months, this is totally an abuse from this big mortgage company 's, this is just not right and is a robbery.
Product: Credit reporting or other personal consumer reports

Hello, From XXXX of XXXX, I filed a dispute with XXXX, Experian and XXXX Credit reporting agencies about the Charge-off account of XXXX XXXX XXXXXXXX because the high balances are completely different. In these months I have tried multiple attempts for correction or deletion of this account with these credit reporting agencies. The Fair Credit Reporting Act states that they must report accurate and consistent info on my credit report or delete it from my credit report and they have not and continue to.Report on my consumer credit report. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from these credit reporting companies as of today. Thank you
Product: Debt collection

I received a letter in the mail, seeming official, from a company identified as Convergent Outsourcing Inc . They stated in their letter, that XXXX had sent me to them, for collections, as I still owed {$890.00} on my account. I do n't know how they got that information, but I was already in contact with XXXX to pay that debt -- monthly as much as I was able. I called XXXX Customer Service and they responded that they had not sent me to any collection agency. Convergent Outsourcing Inc. fraudulently attempted to take payment for a debt they did not own -- if they are indeed a collection agency at all. After a quick online search, I found that Convergent has been scamming people for years. They have no right to collect any money from me, nor do they have the right to contact me in any way. I want them reported to whatever agency is allowed to stop them legally. They are scamming people, and have been doing it for years apparently.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 reporting, credit repair services, or other personal consumer reports

I opened an account with  XXXX   XXXX    XXXX   in  XX/XX/XXXX .  XXXX   XXXX    XXXX   charged-off and sold this account to  XXXX   XXXX  in  XX/XX/XXXX . The  XXXX   XXXX   XXXX  account is still reporting on my credit file with all credit reporting bureaus.  XXXX   XXXX    XXXX   is not reporting that once the account was sold to  XXXX   XXXX   XXXX , it was settled and paid off. Also,  XXXX   XXXX   XXXX  is not reporting how long this account will be reported to the credit bureaus. In otherwords, the portion of the accoount listing that says " On record until '' is missing for this  XXXX   XXXX    XXXX   account with  XXXX , Equifax, and  XXXX .   XXXX  I wrote  XXXX   XXXX   XXXX   in  XX/XX/XXXX   but have not received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX XXXX Account XXXX The item you disputed has been updated, which may include an update to the disputed information. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX/XXXX  Account XXXX The company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX/XXXXXXXX XXXX Account XXXX Information on this item has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX XXXX Account XXXX Information on this item has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX XXXX/XXXX   Account XXXX The item you disputed has been updated, which may include an update to the disputed information. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX/XXXX  Account XXXX Information on this item has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated JXXXX XXXX Account XXXX Information on this item has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX Account XXXX Information on this item has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX/XXXX XXXX Account XXXX Information on this item has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX  XXXX XXXX XXXX Account XXXX Information on this item has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated filed ftc not done anything
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a bankruptcy that does not belong to me showing up on my credit report and background check. I have sent the request to experian, XXXX and XXXX to remove.
Product: Credit card or prepaid card

Im a XXXX XXXX XXXX cardholder on vacation in XXXX ( XXXX ) where my card has been declined at every single merchant ; using any type of card-present transaction ( Chip, Tap-and-go, Apple Pay ) for my account XXXX. 

This new XXXX credit account was established by me recently with the purpose of achieving my {$3000.00} minimum spend requirement during my month long holiday to XXXX, XXXX and XXXX. As of this writing on XX/XX/2023 XXXX has made it impossible for me to use this card overseas. 

I have contacted XXXX and spoken to more than XXXX different individuals there since XX/XX/2023 about my challenges while abroad in international calls at my own cost. This is no exaggeration ( check your records ) ; XXXX has XXXX XXXX notes ; and those calls are recorded. The purpose of this complaint is to reach a higher-level department outside of those previously involved to finally resolve this issue = allow me to use my credit card overseas ( physical, card present and apple pay kind of transactions )! 

XXXX has made me contact multiple departments over the course of this ordeal. Namely : XXXX Member Services ( aka PenFed themselves ; CC issuer ) Cardmember Security ( apparently a VISA or external vendor party to PenFed ) On XXXX, XX/XX/XXXX- I spoke to XXXX XXXX from XXXX XXXX XXXX who wasnt really helpful. She was escalated directly from a supervisor of XXXX XXXX named XXXX. He informed XXXX that all of my fraud risk profile had been adjusted and accounted for my travel notice ; and further confirmed that all my transactions patterns match the XXXX of a regular traveler. In other words ; the merchants I have been declined at like XXXX do not deserve to be flagged as declined.
Product: Money transfer, virtual currency, or money service

Cashapp I be trying to get in contact with them cause someone keep taking my money they be claiming its nothing they can do about it
Product: Mortgage

At the end of XXXX, my bank, SunTrust/Truist , contacted me out of the blue, offering to refinance my HELOC at around 3 %. My current HELOC is about {$34000.00}. The bank representative suggested bumping it up to {$66000.00}. I was going on vacation the next day so they said they would submit initial paperwork and I could complete it when I got back. 

When I was contacted by the loan officer for SunTrust/Truist , I was told the interest rate was 8 % and the amount was {$110000.00}! I NEVER authorized someone to request an {$110000.00} HELOC. When I objected to the rate I talked to the branch manager, who said it would actually be around 5 %. 

So I proceeded. Then the loan officer contacted me and told me my appraisal came in at {$220000.00} - in a neighborhood where houses similar to mine are selling for {$350000.00} to {$400000.00}! They refused the HELOC, saying I didn't have enough equity. I am convinced they compared my house to one down the street that was literally on the verge of being knocked down, which was termite riddled, had no central heat and air, an overgrown yard with junk cars, etc. 

My neighbor, who is a former SunTrust VP, said they use algorithms for these appraisals, and the programs are made for cookie-cutter subdivisions, not diverse ones like the one we live in - one of the hottest neighborhoods in one of the hottest housing markets ( XXXX ) in the nation. 

They told me I could appeal the appraisal. I was so disgusted, I am instead in the process of moving my mortgage and HELOC elsewhere. 

A. They played bait and switch with rates, quoting 3 %, 8 % and 5 % B. They submitted paperwork for a loan amount I never requested - {$110000.00} C. They either used AI or a drive by appraisal to appraise my home, and were completely off base, resulting in me being unable to get the revised HELOC. 

I complained to the bank about the whole process, and all they said was I could appeal the appraisal. 

They need to be taken to task for all their bad behavior in recent months. Along with the HELOC nightmare, they have now failed to activate debit cards in a timely fashion. The account history in my checking account is totally screwed up so it is impossible to tell what money has gone in or out. They are clearly in over their head. Their merger should NEVER have been authorized. SunTrust used to be a decent bank before the merger.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX Account # XXXX has violated my rights. 
XXXXXXXX XXXX XXXX Account # XXXX has violated my rights XXXX XXXX Account # XXXX has violated my rights XXXX Account # XXXXhas violated my rights XXXX XXXX XXXX XXXX Account # XXXXhas violated my rights XXXX Account # :XXXXhas violated my rights XXXX XXXX Account # : XXXXhas violated my rights Bankruptcy Reference # : XXXX violated my rights DPT EDXXXX Account # : XXXX violated my rights DPT EDXXXX Account # : XXXXviolated my rights DPT EDXXXX Account # : XXXXviolated my rights DPT EDXXXX Account # : XXXXviolated my rights DPT EDXXXX Account # : XXXXviolated my rights DPT EDXXXX Account # : XXXXviolated my rights DPT EDXXXX Account # : XXXXviolated 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.

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 information is inaccurate.