23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- | 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of XXXX XXXX of Debt XXXX  and would like for all listed accounts to be blocked and deleted Transunion. Please delete the following accounts. 
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

Someone opened an account with all my information & charged up an amount & the company is reporting on my credit & has refused to cooperate with removing it from my credit as I have told them I was a victim of identity theft. I have called & was placed on hold for 2 hours each time with people being very rude to me & I am a victim. i have also wrote letters to this company as well. This company is Navy Federal Credit Union I also asked this company what supporting documents did they have proving this was my account & they told me I would have to subpoena that information in court to know anything about this account
Product: Mortgage

My mortgage was transferred to PNC Bank several months ago. My original mortgage was not subject to refinance or escrow cancellation fees. 

I recently paid PNC Bank to reappraise my house and remove my PMI. I also asked the bank to remove my escrow arrangement because the bank greatly overestimated our tax and insurance fees for the upcoming year. 

PNC Bank agreed to remove my escrow, but only after I pay almost {$600.00} in fees. I called PNC Bank to inquire about these fees. I explained that I did not agree to these fees. However, the first representative I spoke with was very rude and dismissive. I was told that the fees were extra expenses applied by the bank, and that nothing can be done to waive the fees. 

I also asked PNC Bank to provide contact information for its legal department, so that I may communicate with the bank regarding this issue. Two separate PNC Bank representatives failed to provide this information. 

I was also told that a member of the PNC Bank escalation team would contact me within 48 hours to discuss this issue. However, nobody from the bank has contacted me. 

I believe that PNC Bank is acting in bad faith with regard to my escrow cancellation. Please let me know what further steps I can take to pursue my claim against the bank.
Product: Checking or savings account

There is no proper category. 

I am Citi bank Accelerated savings account. Number for last 4 digits as XXXX. Name XXXX XXXX. They had a promotion code and now they do not honor the terms of the marketing promotion. Promotion XXXX. account was opened on XX/XX/21. I talked to them on different dates to find when XXXX XXXX ( remaining XXXX miles ) will be credited to my XXXX  account. No response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In   XX/XX/XXXX  I contacted Chase and expressed some financial difficulty and attempted to resolve with partial payments, future payments to be electronically set up, etc. I was told that no options were available to me until I was in default. I continued to be in contact with Chase over the course of  XX/XX/XXXX  and  XX/XX/XXXX  attempting to resolve the situation and not have any derogatory remarks reported to my credit. I had a sum of funds coming to me in  XX/XX/XXXX  and knew I could pay the remainders of the payments all at one time. Chase would not work any resolution with me. By the time I was in default per their terms, the payments were paid in full in the sum of {$5900.00} in  XX/XX/XXXX .
Product: Checking or savings account

Since XXXX of XX/XX/year> I havent received my direct deposit in my account/ Capital one 360 banking checking account and still havent received nothing and today is Friday the XXXX. I have bills to pay on auto payments and a mouth to feed. What is going on with this situation. I dont know what to do or how to go about it. I need my money asap. This never happened to my account since I been with them over 2 years.
Product: Mortgage

I am in the process of buying a house in XXXX, NC. Unfortunately, I had a loss in the family for which I had to travel overseas. This coincided with closing. I got a Power of Attorney done as advised by the lender, Lennar Mortgage. The POA was prepared by an attorney. The lender, however, refused to use the POA citing concerns over their ability to sell the loan to investors. 

Looking at the laws, it is clear that the lender is in violation of XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN, XXXX AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX : XXXX -- -> : {$350.00} XXXX XXXX XXXX XXXX : XXXX -- -> : {$400.00}
Product: Money transfer, virtual currency, or money service

Wells Fargo wire transfer claim # XXXX On XX/XX/2023 I was a victim of fraud. After receiving a fraud text alert from Wells Fargo I checked my account and there was indeed debit card fraud on my account. After replying " no '' I didn't authorize the transaction I was immediately called from an XXXX number belonging to Wells Fargo. The person on the phone said he was with Wells Fargo Fraud Department and there were multiple transactions on my account that he wanted me to verify. I was sent a 6 digit verification code to my phone to verify my identity. I was told that my account was being locked due to the amount of fraud happening and to please log into my account via a secure text portal from Wells Fargo which I did. Unknowingly I had just given these criminals my user name and password. They then logged into my account and proceeded to initiate a wire transfer of {$7500.00} to XXXX XXXX. When I realized that I wasn't talking to Wells Fargo and instead the scammers I immediately hung up and directly called WF Fraud dept. and told them what had happened. They issued a swift recall on the wire but were unable to get the money back bc it had already been taken out of the account it was wired into. I later received a letter from Wells Fargo disputing that this transaction was fraud and that I had willingly given them the wire transfer verification code needed to complete the transaction. I never received any texts from Wells Fargo concerning a wire transfer. I have no idea how they were able to complete the transaction or if one of the codes sent to my phone was indeed a wire transfer code which the criminals knew I would be getting bc they were in my account attempting to wire money. I was asked to read back a code for verification of my identity but never would I willingly authorize a wire transfer. 
I have talked to the de-escalation department of Wells Fargo and also filed a complaint against the company but they have continued to deny this as fraudulent. 
This case is 100 % fraud and any information given to these criminals was obtained through fraudulent methods.
Product: Student loan

My student loan is through Navient. 
I calculated my minimum payment for my loan and I got {$830.00} but Navient told me I have to pay {$950.00}. I called them and told them there is a miscalculation but they would n't listen to me and tell me " its better for you, you will pay it faster ''. I told them that is for me to choose. If I want to pay {$100.00} more ill pay extra but I want my minimum payment to be the MINIMUM amount as the name suggests. I had to call XXXX people explain to them math and now they do n't know how to calculate until they agreed that they had miscalculated and reduced my minimum payment. For the past year I was paying over {$100.00} more on my payment when I should n't have.
Product: Debt collection

Federal trade reference number  XXXX . All fees were paid to the  XXXX  Apartments in installments as instructed by the employees of  XXXX   XXXX . The reported on   XXXX   and now they are reported non payment to  XXXX . I was paying   XXXX   XXXX   Apartments while living at  XXXX   XXXX   ( sam e management company  ) Plea se see attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of collection letters I continued receive in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX {$24000.00} XXXX  XXXX XXXX {$440.00} XXXX XXXX XXXX {$550.00} XXXX   XXXX {$760.00} XXXX XXXX {$83.00} XXXX   XXXX {$330.00} XXXX XXXX XXXX {$260.00} XXXX   XXXX {$800.00} XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX {$10000.00}
Product: Debt collection

I sent letters to a company named XXXX XXXX XXXX, because I noticed this was on my credit report right after the numerous breaches then I was notified by XXXX i was part of the data breach. ALL while fighting with them and the credit bureau 's then all of a sudden I seen it was sold to a company named LVNV, Funding, LLC, so I contacted and disputed with them through credit bureau's..and them..that I dont know who these people are never opened a account never opened up for a credit card..that this was and is identity theft..i contacted a credit repair company, because I was getting nowhere my contact with them always stated it was validated and sent over a blank statement with two numbers on it, no charges, payments..always came back you owe..but never validated it..brings to XX/XX/19 never notified by them never notified by bank or lawyer they levied my bank account ..this was reported as Identity theft fraud and they still where able to get to my bank account which I froze core credit and the other third party so I was protected..I am a XXXX and only get SS..and they had there company take my SS that protected federally..they meaning the companies should have done there due diligence before coming after me ... now there company is going to court for failure to follow the laws..and so is there attorney going also..this is a disgrace I am the victim and I still the victim by bully attorneys and companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  HAS REPORTED MULTIPLE LATES ON XX/XX/XXXX AND XX/XX/XXXX. I ASKED FOR THE INACCURACIES TO BE REMOVED AND THEY HAVE NOT PROVIDED ANY PROOF OR CORRESPONDENCE. I CONTACTED THE CREDIT AGENCIES AND HAVEN'T RECEIVED A RESPONSE WITHIN 30 DAYS.
Product: Checking or savings account

I am submitting. New information regarding all charges disputed how I wasn't credited back the money or numerous fees you hit me with
Product: Checking or savings account

I purchased a package of 15 Coolsculpting cycles from XXXX The total package was {$13000.00}. I paid {$3400.00} on XX/XX/2021 and I paid {$4000.00} on XX/XX/2021. I used 7 cycles, two of those cycles never properly attached to my skin and the tech noted that in my file. I tried to get a refund for the 8 remaining cycles and they refused to refund my money. Reflections response : XXXX, We have to pre-purchase the cycles, so they are non-refundable. I will be happy to get you scheduled for the remaining treatments at your convenience. Please let me know if you have any questions. 

Im not happy with the cycles that I received. 2 cycles which never attached to my skin which caused my abdomen to be uneven and it takes three months before you see results. 
On XX/XX/2021 I disputed the {$4000.00} charge from XX/XX/2021 and BB & T declined my requested because the disputed I submitted wasnt reviewed by someone in Fraud Protection by the deadline which put it over the deadline. I dont feel like its my fault as long as I disputed the charge prior to the deadline. Ive made several attempted to discuss this with BB & T and the issue still remains. There were a couple other charges I disputed around this time that were never resolved either. XXXX XXXX XXXX XXXX XXXX XXXX  and to be honest, I didnt really think or have time to go over my bank statements. At the time I wasnt worried about bank transactions. But when I was able to go over my statements, there were a couple of issues, a charge for a hotel that I was charged twice for, totaling {$860.00} and another duplicate charge from a moving company totaling XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX left sensitive credit data of over 110 million consumers open to unauthorized access. While pending civil litigation and possible criminal prosecution will determine the extent of XXXX 'XXXX negligence in this incident, in the near-term millions of Americans, myself included, remain at a heightened threat of identity theft now that our data has been compromised.
Product: Credit card or prepaid card

I was waiting for my stimulus check to come on the amount of {$1200.00}. I got my last check in paper form. The IRS portal opened up on XX/XX/XXXX. I learned then that it was direct deposited to my Netspend card. I haven't used that card in almost 2 years and was even locked out of online access because of inactivity. Also, my wallet was stolen on XX/XX/XXXX in which a police report was done with the XXXX Police department. Once the portals open because I did not have access to Netspend online I called customer service and was told I had a balance of XXXX. Netspend was closed. I called early XX/XX/XXXX spoke to a rep who filed my dispute and unlocked my access to my Netspend online. There online in the secure inbox, Netspend sent an email on XX/XX/XXXX staying an ACH deposit was received and that additional information was needed to process it, if I did not respond by XX/XX/XXXX XXXX CST they would send check back. They did not do that. They processed the check on XX/XX/XXXX. On XX/XX/XXXX I received ba message stating that no error was detected and I would not receive a credit for my lost funds. The transactions were all signature transactions, the check was not supposed to be deposited to the account in the first place. They were suppose to send a new card and on XX/XX/XXXX stated card was sent back because address was unverifiable but I've received all my stolen information including my new ID but not their card now I can't even access the XXXX left.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX  XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXXXXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX XXXX Date XX/XX/XXXX, XXXX XXXX XXXX XXXX Date XX/XX/XXXX, XXXX XXXX XXXX Inuiry Date XX/XX/XXXX, XXXX XXXX XXXX XXXX Date XX/XX/XXXX, XXXX XXXX XXXX XXXX Date XX/XX/XXXX, XXXX XXXX XXXX XXXX Date XX/XX/XXXX, XXXX XXXX Inuiry Date XX/XX/XXXX, XXXXXXXX XXXX XXXX  XXXX Date XX/XX/XXXX, XXXX  Inuiry Date XX/XX/XXXX
Product: Debt collection

My account holder XXXX had pulled me into an office away from the public and began to ask me very jarring and invasive questions about my personal life and relationship with my daughters mother. XXXX ) XXXX began using the words XXXX, XXXX. 
XXXX ) XXXX began interrogating me about my relationship with the mother of my daughter. Asking if we were married or lived together. He kept me in the room until I decided I couldnt say no and filled out the paperwork. Made me feel very coerced and uncomfortable.
Product: Bank account or service

I have a Health Savings Acct with Bank of America. SEE BELOW.. 
Recently, we let you know about upcoming fund changes to the investment options available in your HSA, as well as the upgrade to your health account that 's coming soon. This is an important reminder that in order for your investments to transfer in-kind during the upcoming upgrade, the auto-investment feature must be enabled on your HSA Investment account before XXXX at XXXX. 
XXXX. If the auto-investment feature is not enabled, investments will be liquidated with proceeds placed into your HSA Cash Account. The cash will remain in your account until you make new investment elections. 

Here 's what you need to do if you prefer your investments to be transferred in-kind : Before XXXX, confirm that the auto-investment feature is enabled on your HSA Investment account. On XXXX, your shares will be moved in-kind to Merrill Lynch XXXX. Your auto-investment elections and {$1000.00} investment threshold will also be mapped over as part of the transition. 

How to confirm auto-invest is enabled : Log in to XXXX Click on " Investment Balance '' in Account Balance & gt ; select Continue & gt ; Investment Summary tab. If auto-invest is disabled, click on " Automatic Investments '' & gt ; check " Enable Auto Investments '' & gt ; submit & gt ; confirm. 
Your investment elections must total 100 % before you can turn the auto-investment indicator on. 

What will happen if the auto-investment feature is n't enabled by XXXX? 
If the auto-investment feature is not enabled, your HSA investments will be liquidated on XXXX with proceeds placed into your HSA Cash Account. You 'll have access to these funds on XXXX and can select your investment elections as part of your account set up. 

Please ensure you review the status of your auto-investment option and make any necessary updates to your account before XXXX at XXXX. XXXX if you would like your funds to move in-kind during the upcoming upgrade to your account. 

If you need help or have any questions, please contact the Customer Care Center number on the back of your HSA debit card. Our Customer Care Associates are available 24/7. 

My investments within the account are not showing up and the consumer can not enable the auto investment link. I have been on hold for over 20 minutes and you can not email them. THIS IS INEXCUSABLE! If I lose the portion of my account that is invested I will sue the bank and make this as public as possible. I DO NOT RECOMMEND ANYONE USE BofA 's HSA services.
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. 
Inquiry Name : 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 has violated my rights .

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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: Mortgage

My mortgage was with XXXXXXXX XXXX and I was on the covid relief program when Rushmore mortgage took over my loan and did not tell me that they did not put me on the covid relief program and now they have gone back not only to the first date that XXXXXXXX XXXX put me on the program but also when they got the loan. They also have not given me any time to try and get a forbearance or anything of that nature and they have pursued foreclosure instead of pursuing contacting me so that I can stay in my home
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transaction was unfeasible. The CFPBs finding indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the Fair Credit Reporting Act it stimulates that student loans are need based loans, lenders are not in need to view my credit score when extended for a credit. It's not meant to be on my credit record because it has nothing to do with credit.