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

XX/XX/XXXX, I tried to use my debit card, was declined. PNC closed my checking account without notice. Was given no explanation ( I understand now they don't have to ) I've called, chatted and visited two branches and constantly was told, rather rudely, that they can terminate any time without reason I have banked with them for decades, always maintained a substantial balance, never bounced a check, used my debit card almost daily. I also have about ten accounts linked that uses auto pay to debit my account. Most importantly, I get direct deposit every month, that I pay bills and live off of. I was told the direct deposit would be returned to sender. Sender was not able to stop the direct deposit, as there was not enough time and I was told it could take up to XXXX months to reissue. I can not pay important bills, etc.. 

Also, as I only had XXXX business day to try to rearrange my whole financial life, redirecting debits to another account, XXXX debits posted for XXXX and XXXX dollars ( and some change ) I was charged {$36.00} service fee each. I don't know how many other things will post. I've been working feverishly to try to update different accounts, etc. My direct deposit I was told will be sent back to sender, at which point they wll have to reissue. It could take up to two months.
Product: Debt collection

To whom it may concern. My name is XXXX XXXX and Capital One filed a suit against me on XX/XX/XXXX. Capital One and Its Attorney 's XXXX XXXX XXXX XXXX XXXX XXXX filed a suit against me without me being able to dispute the validity of the Debt. No Demand letter was sent out from the firm prior to filing suit. In addition, from XX/XX/XXXX to XX/XX/XXXX Capital One violated my rights under the FDCPA numerous times and contacted my brother on the debt. Capital One responded on XX/XX/XXXX and acknowledged that they contacted my Brother in error even though I revoked authorization to use his email as a form of Contact. Attached is the response from Capital One showing that they did contact My brother without my Authorization. Capital One then tried to downplay the Severity of the FDCPA violation and offered a small credit to the account instead. I do not accept the resolution givin and especially now that suit was wrongfully filed against me. In all fairness in light of Capital One 's FDCPA violation I will not take any Legal Action on this Violation if Capital One agrees to Dismiss the Suit With Prejudice. Please note Authorization was revoked to contact my brother email address regarding the account on XX/XX/XXXX, Capital One then contacted my brother numerous times after resulting in multiple FDCPA violations. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX To Whom It May Concern : TransUnion XXXX XXXX XXXX XXXX XXXX PA XXXX My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a federal trade commission report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : 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 hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Sincerely, XXXX XXXX Attachments : -Copy of Government Issued ID -Copy of SSN Card -Copy of Paystub ( Proof of Address ) -Copy of FTC Identity Theft Report
Product: Debt collection

Back in XXXX ( not sure of the specific date, but I believe it was XXXX ), I went to get my wisdom teeth pulled out at XXXX XXXX XXXX, and was under my mother 's insurance ( XXXX XXXX XXXX ). I assumed that a bill would be sent to my address of XXXX XXXX XXXX XXXX in XXXX KS. However, I never received a bill from XXXX XXXX, and so I assumed that my mother would have handled the bill or that the insurance covered it. 

I saw the debt on my credit report back in XXXX of XXXX, and I attempted to pay the debt through the collection agency, but I couldn't find the name of the collection agency or a number to reach them. I decided then in XXXX to dispute the debt, hoping that the debt collection agency would reach out with some information to pay the XXXX . I had a job, and could handle the debt, so I wanted to pay it then. However, I never received a first initial letter from the collection agency, and I knew that if a debt was on the credit report, it was turned over to the collection agency ; so I didn't bother calling XXXX XXXX XXXX. 

On XX/XX/XXXX, I received a summons from my mother about the debt, and that I owed a lot more than was originally owed due to interest and fees. I tried to call the collection agency, on XX/XX/XXXX, but the office was closed by the time I got off work around XXXX. I sent an email to the one on paper, but it was denied ; so I went to the website and left this email >Hello, I am XXXX XXXX. I received a summons for an XXXX XXXX XXXX account that you apparently hold in your office ; however, I have never received a first initial letter, phone call, or even an email address in regards to this debt. I tried to dispute the account, hoping that this would alert someone in regards to whom handles this debt. I claim to never have personally received a bill from XXXX XXXX XXXX when this first became a balance ( if any bill was sent ), and I claim to have never received any correspondence from you at XXXX XXXX ( or any debt collection agency at all ). 

I do not know who I was supposed to go to, or how to even reach someone. After checking my credit report ( which I know you can't state whether something can be removed etc ), I saw that this was removed from accounts that I hold, but I received this summons and now I'm confused as to why I'm now receiving information about something. 

My number, at the time of the date of service, was XXXX, now it is XXXX. My address has been XXXX XXXX XXXX XXXX XXXX, KS XXXX since XXXX, which is why I was confused as to why I didn't receive any correspondence from anyone. 

My availability is XXXX Mondays through Thursdays XXXX on Fridays. On Fridays, I'll even be available at XXXX to XXXX XXXX. You have my permission to call Monday through Fridays before XXXX. I work from XXXX to XXXX, so leave me a voicemail if you miss me, and I'll make time throughout the day to speak with you in regards to this.< After that, I was sent a reply back that someone would be with me shortly. I am angry that I received a summons, but I've never received a first initial letter in regards to this debt.
Product: Student loan

Completed the course that I was signed up for. Finished paying the in school loans, and was promised job assistant when I went to applied for those jobs in which the school referred me. They saw the school I had graduated from and the time that I graduated, I was then told that my diploma/certificate was invalid due to credential loss half way through my education. I was told that in order to rectify this and be able to be a candidate or the position then I would need for the position, it was recommended that I return to school and redo my credentials. 
I called the school, they told me, that everything was fine, if there was more credential needed, I would need to return to the school and re apply for that course. Even after explaining my situation they advised that in that case it would be in my best interest to return to school but that I would have to pay for the course again and that they would help me reapply for all the same loans so that I could come back and redo the course. Receiving no understanding for the situation that I was in due to them I was only offered a change for me to come back in and speak to another councilor and that they would be more that happy to redo all the loans in which I already had again and could n't pay for, and that I did need to understand that any new loans would be in ADDITION to all the current loans. I asked why I would want to do that when I could n't pay for what I already had because I could n't get a job as promised when I signed up for the course as I was unemployed at the time of enrollment but was promises that that was n't a big deal as at the end of my course I would be assisted in job placement so that I could repay every loan that they signed me up for in the first place. Which in all fairness I do n't understand how they could possibly tell people who had no form of income to come on in and sign up for thousands of dollars based on a promise that they would in fact help make it so that I could repay them and still have money left over to support myself and my family all of which today I am learning were lies.
Product: Checking or savings account

When I use a free ATM, the one at kwik trip at XXXX XXXX XXXX and XXXX. WellsFargo " reimburses '' me an ATM fee of 4 dollars. The ATM is free, there is no fee. so there is no fee to reimburse. I should not be getting 4 dollars from Wells Fargo every time I use the ATM. 

I tried talking to the staff at my local branch they say they know of the problem but they can not fix it and that I should be quiet. It seems very suspicious to me. 

I have heard news stories of people getting money deposited into their accounts they should not be getting. and then getting in trouble with the law. So I have stopped using the ATM. And need to make sure wells Fargo takes back the money they have falsely given me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX  Date of inquiry XX/XX/XXXX XXXX  XXXX Balance : {$130.00} XXXX  XXXX Balance : {$160.00} XXXX  XXXX Balance : {$32.00} DP OF EDUC XXXX Balance : {$8000.00} DP OF EDUC 1XXXX Balance : {$6300.00} XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX NXXXX XXXX Date of inquiry XX/XX/XXXX
Product: Debt collection

This complain covers unlawful representation, communication and improper contact and making threats of illegal action. All of the above. I do n't know how they contacted my family or friends, or how they knew who they were. Several times these people have called several XXXX times a day, and have called my parents and other friends and contacts misrepresenting who they are, stating that I am in legal trouble or other miscellaneous false information they have my ss security number and that I 'm going to be arrested, or some other bogus information to try and obtain information about me. They also state there is legal issues pending and I must call them or report a certain case number to them. This is obviously for some debt of which is invalid and they are threatening family and friends and using scare tactics.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including XXXX XXXX and XXXX XXXX XXXX. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Product: Mortgage

I have gone thru a nightmare JP Morgan chase. We were promised 2 % mortgage for both my XXXX and XXXX mortgage and were told not to pay. All we received were a nightmare almost lost our home and were cornered into taking whatever they offered they even added {$30000.00} to our mortgage ( which I have asked about over and over ). We owe more now than we did when we first took our loan out after paying 10 years. Were not able to fix the XXXX loan for a lower rate because the house was not worth that amount and we could not get out of the loan with chase plus the rate will increase over time. They put as in a unfair place. Please help us!! I would like to find out how they added over {$30000.00} and I would like to have both mortgages together and at 2 % that is what we were promised.I still have names and messages which were bogas.
Product: Credit card

Barclay 's Bank is cheating from their customers, I got credit card Arrival+ # XXXX from Barclay 's Bank.They offered bonus XXXX miles, if i have spent $ XXXX in 90 days, which i spent and paid their money in time.but i never got the offer, so canceled the card.I earned their bonus miles, but i never had chance to get bonus miles for airline ticket, every time i called the bank said my miles are not ready, i need to call back in the future.today, i called again & again, today, they just said my miles expired already. this is totaling cheating from their advertisements, they still offer this bonus offer all over media & internet, but you can not get the bonus miles.!!! I have more than XXXX miles at least, i earned and qualified from them, and i am asking my miles, i can not get it, it less than year, i tried several times, there is no way i can get from the bank, i really need your help to get my earned miles, so i can use them as airline ticket. 
finally the bank is cheating from their customer and this is totally manipulating, this is not the offer in the advertisement, this is the other cheating problem also!!
Product: Checking or savings account

I called cash app because I had unauthorized phone on my cash app XXXX  XXXX XXXX ask them to remove them unauthorized phones that where on my cash app XXXX XXXXXXXX undoing so they removed mine also now I can't get into my cash app so u called them and told them about this They told me to make a new cash app I did so they told me they would send my new cash tag XXXX XXXXXXXX to my old so I could get in to it well I did all this my gov.id match on both cash app My linked debit card is on both cash apps .y XXXX. XXXX is on both cash apps there tell me for security reason I can't get my mob e y Well now I have kids I ha e to buy food for I have rent I have to pay on that's my security they don't care but that it's there employees mess up not mine they took my info off there selfs
Product: Debt collection

I requested that National Credit Systems , Inc validate a debt that they previously tried to collect on XX/XX/XXXX. 

They are reporting that I owe for a joint account, but I have no records indicating that this is true. I am seeking validation of this information, but National Credit Systems has not provided supporting documentation. 

I received a notice from National Credit Systems dated XX/XX/XXXX stating that they did not have enough information to validate my claim. 

I asked for : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature -Proof that the Statue of Limitations has not expired on this account -Your license numbers and Registered Agent or Agent of Service -Proof that you are licensed to collect in my state They sent me none of this information. None of the documents they sent corresponds with a joint account. I will upload a copy of the forms they sent me.

Further more the signature on one of the documents seems to be forged as the signature date does not match the date of the original creditor dated signature. 

For example the original creditor signature is dated for XX/XX/XXXX. The other signature, which is supposed to represent my signature, is dated XX/XX/XXXX. 

How is this even possible? 

That means that National Credit Systems is also furnishing certain deceptive forms, which is against the law according to Fair Debt Collection Practices Act 15 USC 1692k Sec 812 ( a ).
Product: Mortgage

Cross country mortgage have raised my mortgage XXXX XXXX dollars without my knowledge. They stop sending me bills after my grant was applied. They dont follow up on my calls and they denied access to my account online. All my grant money was not applied to my account. The havent sent monthly notices but has sent me foreclosure information. Has some issues in the past because i made complaints. Retaliation.
Product: Credit card

XXXX synchrony bank i purchased a tv online then called this bank to see if i got the 18 mo. no interest. they told me that online purchase did not qualify. i went back to XXXX to cancel well within the XXXX minutes they allow and before the item was shipped. i was able i thought to cancel. the next day i received an email saying it was shipped so i called synchrony bank the person told me to not take delivery so i did that. this is the description of that transactionXXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Date XXXX/XXXX/2015Location XXXX XXXX XXXX, XXXX, AR, XXXX $ XXXX Number XXXX XXXX XXXX XXXX tv they said it would take 60 days to review, well after many calls i am no where near the end. they said the charge would remain in dispute without charge. i do not like to see this XXXX on my statement after XXXX days. i have paid my balance down early to get these people out of my life. i now have overpaid my account minus this charge. i also have a copy of the XXXX tracking of this item stating it was refused and sent back to shipper XXXX/XXXX/2015 which i told the bank. my thoughts are they are kiting this money at my expense.
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 U.S.C 1681 XXXX XXXX bank Transunion, XXXX, XXXX Credit report credit report .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable
Product: Checking or savings account

person texted me about possible fraud with my debit cardstating they were with Wells Fargo then they called about the same situation ... they kept me on the phone for 20 min they listed phone number XXXX which was one digit off from the number on the back of my wells fargo debit card there were also texts from XXXX
Product: Money transfer, virtual currency, or money service

The company Perpay is a scam. They are taking money out of my account for a product I purchased but I have not received any information about when I will receive the product. I have tried to contact them through email numerous times and never receive a response. This company needs to be shut down for fraud.
Product: Credit card

I was visiting my sister at the XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX. I was in room XXXX. My credit card application was compromised there and would have been approved if it werent for it being marked as fraudulent. An XXXX male XXXX named XXXX and his family blocked the process request. Can you please review my information and have the card sent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My credit score was also decreased by XXXX points due to his connections. XXXX is my social. Im eligible for a {$400.00} capitalOne Card and I need it processed.
Product: Mortgage

On XX/XX/2018 an FHA Valuation appraisal was performed and is currently flawed and tainted I requested another appraisal from XXXX XXXX. At Mr Cooper mortgage company the parent company of XXXX XXXX and the request was ignored. There were Violations of the Uniform Standards of Professional Appraisal Practice Standards. USPAP. Improper influencing of appraiser or the appraisal process. appraiser failed to follow specific FHA instructions for completing appraisal report form. FHA Appendix D Valuation protocol appraisal requirements 4150.2 page D 1
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple inquiries from a financial institution that are fraud on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I visited XXXX XXXX  on XX/XX/XXXX to order this year 's free credit reports. As was the case last year, all reports requested were received w/o incident except for Experian. As such, CFPB Complaint #  XXXX was filed on XX/XX/XXXX. Although Experian promised to mail the requested report in its XX/XX/XXXX response, I'm yet to receive it. 

Since my XX/XX/XXXX online request for my Experian Credit Report involved many of the same problems documented in the above CFPB Complaint, it looks as if Experian has done little to address the them. Although successful in ordering the report via telephone, I'm also yet to receive my XXXX free annual credit report from Experian. 

As such, I pray that the CPFP will refrain from Closing this complaint w/o proper follow up and/or confirmation that the requested credit report has been received.
Product: Money transfer, virtual currency, or money service

Dear Sir/Madam, Commencing what appeared to be a routine financial transaction, a Wells Fargo online wire transfer was initiated just before XXXX XXXX. on XX/XX/2023, for a same-day transfer with a {$25.00} fee to a XXXX XXXX XXXX XXXX XXXX XXXX account, intended for my husband. However, this experience quickly turned distressing due to the untimely non-completion of the transfer. The repercussions of this failure have been significant, leading to a core financial loss of {$25000.00}, along with incurred additional interest charges to bridge the financial gap. It is essential that the money is promptly returned, and the financial damage resulting from the interests incurred to bridge the gap is addressed. Despite my diligent efforts to reconfirm the bank account and routing details multiple times, the issue remains unresolved, leaving me frustrated with no clear path to resolution. In light of these circumstances, I am actively pursuing a firm, expedited claim for damages due to the transfer 's failure and urgently seeking the return of the core funds
Product: Mortgage

A loan shows up under my social that was removed from my social in 2010. I no longer own the property but CHASE insists that because my name is on the original note that I 'm still responsible. The loan was recently modified by the loan owner that agrees that he has full responsibility but CHASE turned down his loan assumption request and instead pushed him toward a modification that does nor bare my signature.