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

On XX/XX/2021 my personal checking account # XXXX at PNC Bank was unilaterally terminated without any prior notice or explanation. Despite many attempts to obtain clarification from the bank, I have not received any acceptable response. This has caused significant distress and uncertainty regarding my financial standing at PNC Bank. I attempted to transfer funds from another account and was obstructed. This obstruction seems to be preventing clients from conducting transactions other than those that benefit PNC Bank. I do believe PNC has assumed it is a joint owner of my account based on its actions. This confusion has raised serious concerns about the management and security of my funds. Furthermore, I am concerned that PNC Bank may be unable to meet its obligations to depositors and creditors. The value of a bank account is not solely reflected by the current balance ; it can also include other factors such as accrued interest, pending transactions and ant investments linked to the account or profit generating schemes such as fractional reserve banking. Very disturbing regarding the security of my account. PNC Bank has used my service agreement to restrict certain actions or limit my ability to transact on my personal account. This agreement is not valid because of behavior that amounts to breach of trust, breach of fiduciary duties, insolvency, false advertising, identity fraud, and deceptive practices.
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  : # XXXXXXXX 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 15 U.S.C. 6802 ( A ) ( 1 ) a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
Product: Payday loan, title loan, or personal loan

The loan was quoted as having an APR of 30 %, when actually implemented, the effective annual percentage rate is closer to 40 % in violation of the 36 % interest cap on XXXX XXXX military personnel. I raised this issue with company, as the effective interest exceeding the statutory limits was NOT disclosed. I have been underwater on this loan since, largely due to the misrepresentation ( fraud ) of their disclaimers and materials.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I applied for a XXXX XXXX  job position sent to my XXXX email by XXXX. I got the job and the guy said he was XXXX XXXX XXXX ( XXXX ) and wanted me to XXXX XXXX XXXX XXXX XXXX  He sent me a mobile deposit of {$750.00} on the same day and {$400.00} was transferred immediately. He told me to send the {$400.00} through XXXX XXXX to different phone number. It was completed on the XXXX. The deposit refunded itself on the XXXX as the check was fake, taking my {$400.00}. I asked Wells Fargo to cancel the transactions on the XXXX as they were still pending but they couldnt. So I asked to submit a claim and it was closed and declined on the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account 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.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX  XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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: Checking or savings account

During the year XXXX starting in XXXX of that year, I was arrested for a crime and ended up spending a XXXX month sentence behind bars. During my incarceration I would call a friend and have them call the bank on 3-way to check account balances and try to set up a way for me to pay necessary bills. My account was defrauded for almost XXXX if not XXXX XXXX dollars because of an inmate or employee of XXXX XXXX detention center. After this I called the bank again from jail to report fraud. They returned the money never doing a real investigation or arresting individual involved during this incident. Once money was returned I asked a family member to take control of funds to ensure safety of checking account balance so that bills are paid. Like the power of attorney document says the principals interest and property is to manage according to the principals wishes and at anytime that the principal feels that the successor is not capable of managing his or her affairs can then relieve the successor of their duties with out going to court if power of attorney documents were not ordered or presented to a judge. I conversed with the said relative, even wrote this individual to tell them that they were fired and should immediately cease and dissolve power of attorney documents prior to going into the bank. I called the bank on several occasions to let them know that no one should have access to any of my bank information or account information and that I was still in jail waiting to be released. I asked agents to add a code word in order to create an extra layer of security so that said family member XXXX couldnt access my account. Documents even stated that this person is not to take from my savings account ever and bank still allowed it, never considered my recommendations or request when it comes to account given the fact Im the account holder. Upon release which was XX/XX/XXXX, I obtain all my information like debit card, id and other things such as my wallet. I checked my account balance and upon checking it I realized that the funds were XXXX  lower than expected. None of my bills were ever paid. Second set of fraud started XX/XX/XXXX where a share check was given for XXXX, another for XXXX on XX/XX/XXXX there are several others even a withdrawal from my savings where it is said he is not to touch that. I entered the bank in XXXX spoke to a branch manager by the name of XXXX who refused to help and called law enforcement and falsely accused me of being aggressive in the bank and I never left the chair I sat in or raised my voice to her or any other employees.
Product: Credit card

This my 3rd complaint and matter is still not resolved. 
The bank keeps thanking me for being a preferred client but treats me like a cockroach whose time is worthless. 

For the XXXX time my card was blocked. And fraud department DEMANDS. I go to a branch with 2 forms of ID Even though I already went to the bank with 2 forms of ID twice, but they didnt bother notating it properly and I dont see how it is my problem thar their own team cant do the job
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report DEPTOFEDXXXX   XXXX {$4300.00} DEPTOFEDXXXX XXXX {$3500.00} DEPTOFEDXXXX   XXXX {$12000.00} XXXX XXXX {$1300.00} XXXX XXXX {$850.00} DEPTEDXXXX   XXXX {$4300.00}
Product: Debt collection

I contacted Exeter Finance regarding Account # : XXXX on XX/XX/2021 requesting all the documents regarding the repossession they are reporting on my credit report because I never received any documents. I still have not received a response. I have attached a copy of the original letter and proof of delivery. The balance being reported on this alleged debt has been waived by the creditor. The balance should be listed at {$0.00} due to the creditors failure to comply with UCC 9-616. Please correct this information or delete it immediately. It is a violation of the FCRA to knowingly report or furnish false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX - Closed Exceptional payment history Account Info Hover over labels for more details Account number XXXX Account status A brief message describing the status of the account. Accounts may be open, closed, unclassified, or unknown. 
Closed Date opened XX/XX/XXXX Account type Secured Loan Balance on XX/XX/XXXX Loan Amount - {$9200.00} Payment Info Status Paid satisfactorily Status date XX/XX/XXXX Past due amount - Original loan amount {$9200.00} Monthly payment - Late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX NA - - - - - - - - - - XXXX - - - - - - On Time NA No Applicable Payment History - Data Unavailable XXXX/XXXX XXXX XXXX {$2000.00} Balance updated XX/XX/XXXX Exceptional payment history Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Revolving Usage : 20 % Balance on XX/XX/XXXX Credit Limit {$2000.00} {$10000.00} Payment Info Status Pays account as agreed Status date XX/XX/XXXX Past due amount - Highest balance {$7000.00} Monthly payment {$240.00} Late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - - - - - - - XXXX - - XXXX - - - - - - - - - - - - XXXX - - - - - - - - - - - - XXXX - - - - - - - - - - - - On Time - Data Unavailable deleted items that was mine XXXX XXXX XXXX XXXX  Closed Exceptional payment history Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card - Revolving Terms Balance on XX/XX/XXXX Credit Limit - {$750.00} Payment Info Status Paid satisfactorily Status date XX/XX/XXXX Past due amount - Highest balance $ XXXX Monthly payment - Late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX NA XXXX XXXX XXXX - - - - - - On Time NA No Applicable Payment History - Data Unavailable add back XXXX XXXX XXXX Closed Exceptional payment history Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Revolving Charge Account Balance on XX/XX/XXXX Credit Limit - {$5000.00} Payment Info Status Paid satisfactorily Status date Date the creditor last reported information about the account payment status. 
XX/XX/XXXX Past due amount - Highest balance $ XXXX  Monthly payment - Late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX NA - - - - XXXX - - - - - - - On Time NA No Applicable Payment History - XXXX/XXXX XXXX XXXX Closed Exceptional payment history Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened Indicates the date an account was opened XX/XX/XXXX Account type Credit Card - Revolving Terms Balance on XX/XX/XXXX Credit Limit - {$0.00} Payment Info Status Paid satisfactorily Status date XX/XX/XXXX Past due amount - Highest balance {$2000.00} Monthly payment - Late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX NA - - - - - - - - - XXXX XXXX XXXX - - - - - - add this back on
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/XXXX or so, I started reviewing my credit report and have noticed I am a victim of Identity Theft. Many furnishers reported my private and personal information to the credit bureaus without my consent. I have also been studying the law to understand my federally protected consumer rights. Pursuant to 15 USC 1681C-2. The Credit Reporting Agencies XXXX XXXX, Equifax, and XXXX ), are required by law to block fraudulent information within 4 business days and to promptly notify the furnisher.

I am seeking assistance from the CFPB to assist in this matter to have these items removed from my credit report.
Product: Mortgage

Prequalified for a mortgage and rate locked in at 2.87 % for a 5 year ARM. 
Bank of America has caused innumerable delays in loan processing ; lost documents, me resubmitting the same thing over and over, " just one more thing ''. 
Now two weeks before closing the say they wo n't approve me for the 5 year arm, just a 7 year arm at a XXXX percent, a 0.35 % rate increase. They say my income, which I have been honest about through the whole process, is suddenly too low, so they are making the payment higher. 
It is a racket. I want them to refund the mortgage appraisal fee which I paid RELYING UPON the original " truth in lending '' statement. 
What good is a " truth in lending '' statement or a rate lock if the bank can just ignore them at the final hour. It is extortion. I spent money on an appraisal based on their original disclosures and I want them to either honor their original rate lock or refund the money I outlaid, {$460.00}, because I was relying on them honoring their end of the agreement.
Product: Consumer Loan

A few months ago, my daughter wrote to the Consumer Finance Protection Bureau about Santander and I wanted to put my two sense in too because Santander is an awful company. It preys on disadvantaged people. 
I am on a fixed income. I no longer work because of my XXXX. However, I had a need for a car because transportation is very limited in GA. So, when I was approved for Santander I was naturally happy until I realized these past years what they have been doing to me and many others like me. 
Most importantly, I am writing this email because while rifling through my paperwork I noticed that the contract I had for Santander does not match my car. I requested ( had my daughter to request ) a copy of the original contract from Santander a month ago and I have yet to receive a copy. I think they are aware of their error but continue to collect money from me for a car that is worth less. The only paperwork I have does not match the car I have. It was a while back and maybe I am mistaken but I will attach the information I have to prove this error. I have asked them to send me paperwork to verify and have been ignored until this day. I have tried to establish an online account with them to keep track of activities and payments and I have been told I need to pay the entire amount due first in order to gain access. How am I to track and verify all the fees I am being charged? So, I am writing this letter to get some kind of response and help for their deceitful ways. 
I am old, tired, and XXXX. I do not wish to continue fighting with this company, they wear me out. I just need help and clarification. I am very disappointed in Santander. Please help me. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtain a copy of my credit report from XXXX, XXXX, Experian and XXXX is being reported as a negative public record on my credit profile. I contact the CRA 's to disputed such derogatory information and was advise that they did very the information to be accurate from XXXX XXXX. Therefore, the information of such allegedly bankruptcy will remain. I then contact XXXX XXXX who assured me in form of letter to my address on file stating information for XXXX XXXX has been unverifiable and was already removed from my public records. If XXXX XXXX did not provide this information, that means the CRA has lied and is in violation of my consumer protected rights when they publish this information on my credit report. Violation # 1 Pursuant to 15 USC 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy Violation # 2 Pursuant to 15 USC 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction The credit reporting agencies ( XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX continue to report these items on my profile. 
Experian DID NOT DO PROPER INVESTIGATION and ALSO FAILED TO REMOVE the NEGATIVE PUBLIC RECORDS WHICH DOES NOT BELONG ON MY REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, account # XXXX, account # 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 1666 A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Product: Credit reporting or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 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 or other personal consumer reports

I am writing to formally dispute inaccurate information regarding account number XXXX appearing on my credit report. This account is being reported with several errors, violating the Fair Credit Reporting Act ( FCRA ). As per the report, the current balance is outstanding. However, this account is uncollectible due to the statute of limitations in the state of Texas being 4 years. The debt has passed the legal window for collection as it was closed in XXXX. The report lists the account as open. However, the account has been closed since XXXX. The report shows XXXX separate accounts with the same account number ( XXXX ) but different balances. This is a clear violation of FCRA regulations. I previously sent a debt validation request to the original creditor on XX/XX/XXXX, but they failed to provide any verification of the information they are reporting to you. Please find a copy of my credit report highlighting the disputed information ( attached ) and a copy of the debt validation letter sent to the original creditor and credit reporting agencies ( attached ) which is dated, and time stamped.
Product: Debt collection

I paid this to the company as it was going into collections. I think the company did not report this the the collections company.
Product: Bank account or service

XXXX XXXX, 2016 To Whom It May Concern : Claim # XXXX As per your request I am writing this letter to tell the facts! 

I rented a room for my family at the XXXX. Which was unlivable due to the infestation of roaches, refrigerator not working or the stove and that is what we paid for, as we are a family and needed to cook. I was told by the manager/owner that I am the father I need to figure it out. 

Facts : The stove did not work The refrigerator did not work The tub did n't work however it was fixed a day later Neighbors screaming and jumping all hours of the night knocking on my door. 

I complained to Management they said they would take care of it, as we had to work the following day. Nothing was done about it. 

My Fianc was falsely accused of staying at the motel once before sneaking animals into the room without paying ; my fianc has never stayed at the motel before. They argued with us made us uncomfortable, called us liars etc. 

I paid for XXXX days and checked out on the XXXX day because our room was infested with roaches. 

I notified the Merchant and they were not helpful and did not want to budge. They did nothing to correct any of the issues ; they did not even offer any credits at all. 

I spoke with 2 managers and the owner and the owner was horrible. I immediately opened a debit card transaction dispute in direct response for the poor service and mishandling of my intended funds tendered in hopes of a quality weeks stay. Please note that I originally paid for XXXX nights, but I did not stay past XXXX nights and the entire amount is what I requested back. The provisional credit was given to me and all of a sudden snatched away from me, now leaving me in a further mess with a heavily overdraft account. I was out at dinner with my fianc and was extremely embarrassed by having my card declined in front of the restaurant. I have been through quite a lot and this is very deceptive and very harsh to have my bank that I believe knew the issue first hand with the investigation that created and now has put me in a terrible spot. 

I am contacting the CFPB to ensure justice and proper adjustments on my account are made.
Product: Credit reporting or other personal consumer reports

I recently applied for residency at the XXXXXXXX XXXX XXXX XXXX in XXXX, GA. The application was declined based on findings and suggestions from XXXX XXXX. citing poor rental history. This information is inaccurate, I have lived at my current residence since XXXX ( 9 years ), in which I was late only 4 times when I experienced a job loss in XXXX resulting in XXXX late payments. However, since then, any late payments have been due to a worldwide portal error, which were not as such by my apartment. 

I have maintained a healthy rental history at my current apartment for the past nine years. This misinformation has tarnished my record and resulted in my inability to obtain a new apartment and additional expenses due to the misuse of my information. This situation has been detrimental to my efforts to establishing a new apartment and future applications will also reflect this inaccurate data. 

I called several times to current property management to verify and was provided a ledger to support the inaccuracy. I contacted the Equifax, XXXX and XXXXXXXX XXXX XXXXXXXX at no avail. They would not budge reexam and review their findings.
Product: Credit card

My XXXX XXXX XXXX XXXX, and also my XXXX XXXX XXXX  was closed to inactivity. Youre not buying tires every year nor furniture. I did not authorize for the cards to be closed. I was told I will have to reapply and get a ding to my credit. Im requesting my cards to be reopened. This is a stressor to my life.
Product: Mortgage

This issue revolves around servicing transfer of my mortgage loan from XXXX XXXX XXXX ( XXXX ) to Ditech Financial in XXXX 2016, and the misapplication of a loan payment.