23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am lodging this complaint against The First National Bank, located at XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, Pa XXXX. 

On or about XX/XX/2021, I had a very nice and productive conversation with the assistant branch manager of FNB, XXXX XXXX, relative to a home equity loan. 

I told XXXX XXXX that I wanted to lock in a fixed interest rate before the rates increased. Subsequent phone conversations, and after I submitted the required documentation, we agreed on an interest rate of 2.39 %. Shortly thereafter I received via XXXX mail documentation from XXXX XXXX located in XXXX, PA with a higher rate of 2.79 %. I phoned XXXX XXXX and advised him of the rate of 2.79 %. I was told by XXXX XXXX that the rate increase did not take into account the discounts and perks that would apply. The discounts applied by the local branch would reduce the rate to 2.39 %, as agreed upon. He advised to ignore the higher rate, because it is always adjusted at the local branch, and that it happens all the time. He also said because of my high credit score, and my low loan to value of my home, I qualified for the lower rate. 

After a few more weeks had passed I called XXXX XXXX to inquire about the loan. He told me that he had some very bad news, and that the initial loan rate of 2.39 % was not available to me. The new rate was going to be 2.79 %. He apologized and simply said that his boss would not allow the lower rate. Although he said he was very sorry for what occurred, he never said why the branch perks he offered me were not made available to me. 

The issue here is the amount of time that I was led to believe that the loan would be approved at the rate which was discussed. 

The interest rate did rise and now I am looking at higher rates. This has been been a very tremendously disappointing experience dealing with FNB in XXXX, XXXX
Product: Checking or savings account

On XX/XX/2022 I sent in proof to chexsystem to provide proof of my identity per there document guide lines a letter from social security office a certified copy of my drivers license and a current utility bill and I heard nothing back from them and my file is still not corrected with my correct personal information
Product: Credit reporting, credit repair services, or other personal consumer reports

The account reported a late payment for XX/XX/2020during the " COVOID-19 '' pandemic. I called the company before my due date and asked for an extension. The extension was granted, which the rep told me this would not be considered as a late payment I would just incur interest. I tried to get the company to chnage the remark, but no feedback or assitance was given.
Product: Credit reporting or other personal consumer reports

The company send information but the reporting agency did not remove it from my credit report even though its an eviction and evictions are not supposed to be reported on credit.Ive requested this over and over and it still remains.
Product: Mortgage

I have been battling with US BANK HOME MORTGAGE for months to get the situation settled. Finally I was able to get my PMI removed after paying for an appraisal and a BPO, but now I have found out that I can not remove Escrow for the life of the loan without paying a penalty. The representative stated that Escrow was required to obtain the interest rate that I was given. I have never heard of a rate being contingent on Escrow nor do I recall agreeing to that during the application process or at closing. 

I submitted paperwork for the BPO over 7 weeks ago which included a request to remove PMI & Escrow. PMI was removed but no communication was received for the Escrow. I had called 3 times to inquire with no answers other than it was still in process. Finally on my last attempt I was told Escrow was tied for the life of the loan.
Product: Credit card

On XX/XX/XXXX I received a text congratulating me on my new account and that my credit card was on the way. I knew I had not opened an account, so I called Bank of America and reported the fraud. They said they would close the account and start a fraud investigation. On XX/XX/XXXX I called to get something in writing saying the account had been closed and to try to get copies of the application used to open the account. I was passed to three different people before XXXX in Tennessee said she would send a letter confirming the account was closed and a copy of the application. I got the letter but not the application, so I called again on XX/XX/XXXX this time XXXX told me I needed to send a notarized FACT Act Request Form to get the credit card application. She sent me the form and I returned it Notarized on XX/XX/XXXX. On XX/XX/XXXX i called and was told it was in process and to check back in a few days. On XX/XX/XXXX I called again, and XXXX told me I should have it in 7-10 days. On XX/XX/XXXX I called again, and XXXX told me to call back in 5 days. XX/XX/XXXX I called again, and XXXX told me it had been mailed on XX/XX/XXXX. today I received another blank FACT Act Request Form to fill out. I think 6 months is sufficient time for them to supply me with the fraudulent application.
Product: Mortgage

XXXX XXXX XXXX XXXX # XXXX Apparently this person forgot to mention the very large IRS Tax Fraud scheme she was involved in back in 2008. I've attached the filing for review.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I submitted an online dispute to Experian because a collection popped on my credit report from XXXX, a collection agency due to inaccurate information and medicredit failed to submit to me a validation of the debt. Within 8 days Experian results came back as the account will remain. So I called Experian and spoke with a special solutions rep by the name of XXXX and he stated that they electronically processed the dispute and XXXX responded by saying it was valid. I asked XXXX did they send them any documentation and XXXX stated that they do n't have to have documentation the creditor just reply either the debt is valid or not. I told XXXX that was not correct they have to send validation of the debt because that 's pretty much saying anyone can lie and say the debt is valid. XXXX said NO they reporting the account correctly. SO XXXX XXXX, I sent Experian a certified letter asking for a METHOD OF VERIFICATION that they used to validate my debt along with my Id and social security card because I have a right to request how the debt was validated with Experian ON XXXX XXXX I received a notification stating my results were ready, the account still remains on my credit report. Experian did not send me anything if my credit file to show proof of their investigation or what records they have in my file containing this debt. FCRA 611 ( a ) states I have a right to contact the credit agencies with the proper identification and request a reinvestigation to determine if the disputed information is accurate. Experian did not do that, I requested a description of the procedure used to determine the accuracy and completeness of the information and did not receive what I requested. Experian is violation of my fair credit reporting rights and something need to be done and addressed about it. XXXX and XXXX deleted the account due to the company failure to provide accurate information but Experian did not. So are they saying they are the only ones who received accurate information from XXXX? And if so where is the accurate information and why did n't they send it to me.
Product: Debt collection

Today ( XX/XX/XXXX ) I received 2 calls back to back at XXXX and XXXX from XXXX and XXXX from XXXX XXXX from XXXX XXXX XXXX XXXX regarding a debt with XXXX Mastercard. I informed her that I NEVER received a written letter to my address stating there was an attempt to collect a debt. Mrs. XXXX informed that their company was going green and they did not send letters out which I thought was odd. I told them due to hardship and extreme in income I did not have it but she still tried to get a payment or an agreement setup bringing up my tax return and etc. They attempted to be subtly threatening stating my account would go to the " next level '', but she could not elaborate what the " next level '' was. Her call back number was XXXX ext XXXX
Product: Checking or savings account

Issue # XXXX- Wells Fargo enrolled me into an Identity Theft program, without my consent, on 13 different occassions between XXXX - XXXX. Mediation and pre-mediation offers were only provided for XX/XX/XXXX claims. 

The remaining claims ( XXXX, XXXX, XXXX, XXXX, XXXX ) have NOT received pre-mediaton offers and Wells Fargo will not provide an explanation as to why no pre-mediation offers were made. They claim this is proprietary information. 

Issue # XXXX - Claim numbers XXXX and XXXX were incorrectly documented as " duplicative '' on XX/XX/XXXX by the specialized care team, although the executive office determined they were legitimate claims.
Product: Vehicle loan or lease

This is the letter we just mailed to ALLY Financial. 

As I am typing this letter as I am again on hold with your XXXX number. No one ever answers. This would be our 9th phone call with hold times over an hour. Last night we held for 40 minutes and it just hung up on us. 

This letter is to dispute a bill of late charges that we have repeatedly called about and they need to be immediately removed from our bill. The entire reason we leased this car was to establish perfect credit as you can see by our payments have been on time if not early every single month since we drove out of the dealership. We have no idea why this {$31.00} charge is on our bill and is now totaling {$880.00}. 

We have repeatedly asked your representatives to clarify the fees and specifically exactly the full payment amount is so we can pay it. They have refused to clarify these questions. We have asked to pay what they said a one time XXXX late fee which we didnt even know where that was coming from but paid it anyway. They never told us that this was every month or recurring and also at that time never told us that there was this XXXX balance hanging over us. 

Your regulator CFPB was specifically established to protect consumers against these types of abusive practices. In this case, we are talking about failures to disclose fees, failure to disclose amounts due and refusal to answer questions and an overall evasiveness and lack of responsiveness. We will be filing a formal complaint with the CFPB on this matter. 

Please consider this a formal complaint as we will be filing such complaint with the CFPB on this matter. PS I AM STILL HOLD AND WHO IS GOING TO PAY ME FOR ALL THE HOURS SPENT ON HOLD AND TYPING THIS LETTER.
Product: Credit card or prepaid card

I have a credit card with Truist ( before BB & T ) Bank, for my company and my name is on it. 
I did a purchase to XXXX XXXX XXXX XXXX XXXX SC. XXXXXXXX. Then I made a return of some material on XX/XX/XXXX for {$17000.00} then on XX/XX/XXXX I did another return of material for {$76.00} The whole amount I have as a credit is {$18000.00} Usually a credit card at the end of the billing circle they return the money ; no in my case. 
Every month I waited for them to send the money by mail in form of check. 
On XX/XX/XXXX I noticed that The money was not longer from my Credit card Statement. They placed a note of balance refunded. 
XX/XX/XXXX started and I did not received anything on the mail so I called them. They said that the money was in transfer they were not able to cancel that process I need to wait until XX/XX/XXXX. 
On XX/XX/XXXX I called back and complaint they said that they were going to cancel a check they were going to send me and refund the money in 3 business days into the Company 's account.

I called last night again because there is no money in the business account as they said and they said again they are going to process a refund in form of check. 
They have been holding the company 's money for almost 6 months. 
Thank you,
Product: Credit card

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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

PNC Bank is requiring me to purchase homeowners insurance coverage for XX/XX/2022 to XX/XX/2022. My insurance agent says XXXX XXXX XXXX XXXX XXXX can't provide coverage for the past, which makes sense. PNC will soon charge me {$190.00} to purchase said past insurance. PNC won't speak to me on the phone and I hit deadends trying to resolve this issue online. Please tell me who is correct. 
Thank you.
Product: Money transfer, virtual currency, or money service

I am wringing to in formally express my concern regarding Zelles handling of dispute 's, particularly in light of the recent CFPB lawsuits highlighting significant issues with the platform. Despite using Zelle numerous of 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 these transactions 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. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX  Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts that have been open or are open. Please remove these accounts from my report as soon as possible. They do not belong to me. XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit card

I recently took out a HELOC loan to consolidate my credit card accounts of which there is still XXXX that I am having difficulty in getting settled. 
On XX/XX/year> my banks loan department sent a check to Bank of America which was processed XXXX.Enclosed is a copy of cancelled check. In a phone conversation with Bank of America customer service the representative could not provide any answers why my account had not been satisfied. Bank of America also sent a letter requesting more information, along with a case number that they generated ( XXXX ). As requested, I sent them a copy of the cancelled check. I have tried to no avail to get viable results from phone support on this matter. I have also sent a complaint to my states Attorney Generals office of consumer protection. Bank of America shows my account as past due and is steadily applying recurring fees of interest and late fees.
Product: Credit reporting or other personal consumer reports

I have sent multiple letters and disputes regarding this matter I have yet to receive information and updates regarding my request to have these inquiries removed!
Product: Debt collection

In my review of my credit report PORTFOLIO RECOVERY ASSOCIATES INC is reporting a collection debt account number XXXX to the CRA. I have no knowledge of this collection debt and this negative account has affected my ability to obtain credit. It is a violation of FCRA for any COLLECTION AGENCY to report any collection debt account to any credit reporting agency without notifying the consumer
Product: Credit card or prepaid card

This is a report of credit discrimination and one of the most outrageous one. Couple of months ago, I received a pre-approved letter from Commerce Bank which included a 0 % balance transfer without fees, if transfer made before XX/XX/2020. 
I applied for it and submitted a balance request for {$25000.00} since they indicated that if requested was more than approved they will transfer the min of the two.

First they claimed that I mistook residency with citizenship and denied the application ( even though I was pre-approved ).

I called and asked them how a citizen could be denied while a resident would not be. They stated that residency included citizenship. I corrected it and told them that I was a citizen. I was told I was approved after the correction for a {$10000.00} credit limit. But, later I realized that they did not do the balance transfer. They told me they mailed me the card and I could do it when I received it.

I waited for over a week and did not receive a card. I called today  XX/XX/2020 to inquire about the status of the card. I was surprisingly told that my application was under review. I said, I was already approved, they say but they can still deny it even though I was already approved. I told them that was illegal and what they are doing is discriminatory. Because of my wonderful credit history, I am machine approved but because of my race, I was human denied. 
This egregious violation of law should NOT be tolerated. I hope you will investigate and prosecute these type of credit discriminations. I know, you won't but that's fine. History will remember that I did my part reporting these discriminatory practices still in effect in the US financial industry, in 2020
Product: Bank account or service

I opened up a Citigold account in late XXXX XXXX when they were offering a promotion for XXXX XXXX points. The terms of the promotion were that in order to receive those points, I would have to open the Citigold account and make XXXX consecutive bill payments within 60 days, which I did. I confirmed with their customer service representative by online chat, I also sent security message to citibank to confirm it, that I was indeed eligible for the promotion, that the promotion had been applied to my account, and that I had met the requirements for the promotion. I should received the XXXX points on XXXX XXXX, XXXX. I did not received the XXXX points on XXXX XXXX, XXXX. Then I sent several emails to Citi bank. The feedback I got is CitiBank need reevaluate if I met all the promotion conditions, and the time to respond to me is unknown. The Citigold account has a monthly fee of {$30.00} that has been charged to my account. I have kept the account open only because I felt that the XXXX points would be worth the monthly fee. However, now Citibank has reneged on their part of our business relationship and instead has charged me monthly fees for which I am getting nothing.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint against Equifax for their failure to remove inaccurate accounts from my credit report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). Despite providing the necessary documentation to prove the inaccuracies, Equifax has not fulfilled its legal obligations under the FCRA, including ensuring maximum possible accuracy of my credit report ( 15 U.S.C. 1681e ( b ) ) and conduction a proper reinvestigation to remove the errors within the required 30-day period ( 15 U.S.C. 1681i ( a ) ).
Product: Credit reporting or other personal consumer reports

My information has been misused. According to my credit report there's a numerous amount of accounts i see that i never opened myself. On the date XX/XX/XXXX a " XXXX XXXX  '' was opened reporting {$14000.00} on my credit report. On the date XX/XX/XXXX a XXXX was opened reporting a {$0.00} credit limit and {$8400.00} balance. On the date XX/XX/XXXX a XXXX XXXX  was opened reporting {$5900.00} on my credit report. Lastly, on XX/XX/XXXX a XXXX XXXX XXXX was opened reporting a {$230.00} balance. I am now on my last step of my recovery plan.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN REPORTING TO THE CREDIT BUREAUS THAT THERE IS A DEROGATORY ACCOUNT REPORTING ON MY CREDIT FILE THAT DOESNT BELONG TO ME. AFTER PULLING ALL THREE OF MY CREDIT REPORTS I NOTICED A CHAPTER 7 REPORTING ON MY REPORT THAT IS NOT MINE. I DISPUTED THIS AND THE CREDIT BUREAUS ARE VERIFYING THAT THIS ACCOUNT IS ACCURATE. I REQUESTED THEM TO SEND ME THE CASE INFORMATION I CONTACTED THE COURT AS WELL TO FIND OUT WHAT IS GOING ON BUT THE XXXX XXXX XXXX SYSTEM HAS NO RECORD OF THIS CASE IN THEIR DOCKETS.

I REQUESTED THE CASE FILES BEHIND THIS BANKRUPTCY BECAUSE THE COURT DOES NOT HAVE THIS IN THEIR DATABASE SO IM NOT UNDERSTANDING HOW THE CREDIT BUREAUS ARE VALIDATING THIS AND CONTINUOUSLY REPORTING THS ON MY CREDIT FILE. I XXXX THE INFORMATION AND A COMPANY NOT AFFILIATED WITH THE COURT SYSTEM SHOWS THE INFORMATION ON MY CREDIT FILE BUT HAVE NO SUPPORTING DOCUMENTATION OF THIS BANKRUPTCY CASE. THE CASE NUMBER THEY ARE REPORTING IS XXXX THIS IS'NT A CASE NUMBER THAT I AM ABLE TO LOCATE IN THE COURT SYSTEM. 

THE COMPANY NAME PULLS UP AS PUBLIC INFORMATION SERVICES WHICH IS A COMPANY THAT PROVIDES CONSULTING SERVICES IN CALIFORNIA. 
I HAVE NO AFFILIATION WITH THIS COMPANY AND I AM UNSURE HOW THEY WERE ABLE TO HAVE ACCESS TO MY PERSONAL INFORMATION AND CREDIT FILE. THIS IS A VIOLATION OF MY CONSUMER RIGHTS UNDER FCRA LAW. HOW ARE THE BUREAUS ABLE TO REPORT THIS TO MY CREDIT FILE WITHOUT PROPERLY VALIDATING WITH THE SOURCE.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth endeavors 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 alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance : {$1600.00}
Product: Debt collection

I viewed my credit report and noticed that there is fraudulent account. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX/ {$6900.00} / XX/XX/2021