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

After having a substantial relationship with  BB & T B ank, I got a notice they have decided to close my account and gave me no reason whatsoever. I had  XXXX  issue with a wire transfer which was refused and caused an issue on my account, while I was traveling for a family emergency. The signer on my account had his account effected and him being on my account effected my relationship Upon fixing the issue, I was told my accounts were to be closed including all of my lines of credit, business accounts and personal accounts.     I am an ideal client and maintain substantial balances in the accounts and own and operate recognizable businesses.     There was no reason whatsoever my accounts were closed. I am willing to pay the balances but ca n't even find where to pay them.. Please let me do this and maintain my relationship. I had issues which were addressed and fixed the moment they were brought to my attention. I want to have my relationship back as this is the only bank which operates in all the states we do business.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX I applied for and was approved for an installment loan through American First Finance for a total of {$3400.00}. I got the loan to pay for a rebuilt transmission from XXXX XXXX ( XXXXXXXX XXXX ). They offered No interest if the loan was paid in full by day 101. 
Well for one reason or another I didn't pay the loan off within the 101 days. 
The loan was setup to auto pay from my account {$110.00} per week. 
So fast forward to XX/XX/XXXX, I login to my account to check the pay off amount. It shows I still owe {$3100.00}. I was floored. How can I owe that much still, I've made 43 payment of {$110.00} for a total of {$4900.00}. Something has to be wrong. 
I check my paperwork, only to find that with a loan of {$3400.00}, it was going to cost me a total of {$12000.00}. They charge 169.53 % APR. Are you kidding me? 
This is completely insane! 
I tried to get a hold of someone to get a lower payoff on XX/XX/XXXX, but they were closed. I did get a hold of someone today ( XX/XX/XXXX ). They offered me a payoff of {$1800.00}, which I paid, so the account would be closed. 
So in the end, I borrowed {$3400.00} and paid back {$6800.00}. Which still seems excessive. 
I just wanted to notify the division of the interest rate and make sure this company is within the rules of the law.
Product: Money transfer, virtual currency, or money service

I called PNC bank because I couldnt transfer money from my checking account to my home equity loan .On XX/XX/XXXX The first person I spoke to was XXXX I wasnt happy with the way she was speaking to me so I asked for her supervisor, she stated they do not have a supervisor, then I asked for their corporate office number she gave me the number I just had called? This time I spoke to XXXX on XX/XX/XXXX and stated I wanted to file a complaint against XXXX of PNC customer service he tool my information said someone will contact you within 24-48 hours. It took XXXX days when XXXX contacted me and said exactly the same thing that PNC only has XXXX contact number which is true because I went on the PNC website it only has XXXX contact number. I then received a email from XXXX on XX/XX/XXXX and then tried to contact her by phone and email and got no response. I finally researched on XXXX and found a phone number that I called and spoke to XXXX she took my report and again stated someone would contact me within 24-48 hours I told XXXX thats not true she then changed her response that it would be 3-7 days because of all the complaints they are having. I then asked to speak to her supervisor XXXX and told her my concern with their bank not posting my purchases and the complaint I wanted to file against XXXX. She the argued with me that their website has more than one contact number I disagreed with her and asked her to go on her own bank website PNC. She then came back on the phone after a brief hold and stated that I was correct so she lied to me. I went on their XXXX page and started to read thousands of complaints against PNC! I also saw a lot of complaints on XXXX, XXXX about how rude their customer service is and that there is only XXXX phone number to contact PNC. My first phone call I had to wait XXXX hours and no one answered so I tried the next day same thing happened. I then decided to go to XXXX of their locations in XXXX XXXXXXXX XXXX. The branch manager was extremely nice and tried to help I asked her I was trying to transfer funds from my checking account to my home equity loan on the PNC bank. She asked for my phone and tried also she had no luck she then attempt to call their corporate office for help sorry to say same thing happened to the branch manager no one answered. She then opened a book to try to find a number to call and did. She stated its a nightmare working for PNC. My concern is that it XXXX days to actually speak to someone XXXX the supervisor XXXX who got upset with me because I was correct that PNC only has XXXX contact number she then hung up on me after I waited a hour to finally speak to someone. Please read the reviews on the PNC XXXX pageXXXX XXXX and XXXX and you will see all the complaints!
Product: Credit card or prepaid card

I have an American Express credit card I was one day late on my payment that was due XXXX and paid XXXX. I was charged a {$25.00} late fee and contacted American Express XX/XX/23 and asked them to waive the fee as a courtesy I was until they submitted the request but it came back denied for unspecified reasons. I asked a supervisor what reason was provided for the denial and he didnt know and said it could be any number of factors as they do not give Amex representatives that information but he did disclose that because I do not use my card enough that may be a factor as to why my request was declined.
Product: Credit reporting, credit repair services, or other personal consumer reports

BEEN OVER 30 DAYS NO RESPONSE FOR XXXX, EQUIFAX AND XXXX ABOUT INCORRECT FRAUD ACCOUNTS.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my profiles. The account being reported by XXXX XXXX XXXX is hurting my ability to obtain credit. It is my understanding that you will investigate these accounts for me to ensure accuracy. 

Here are the accounts I am asking you to verify as accurate : XXXX : XXXX XXXX XXXX/ XXXX Equifax : XXXX XXXX XXXX/ XXXX XXXX : XXXX XXXX XXXX/ XXXX This item was handled in the Magistrate Court of XXXX XXXX in the State of Georgia on the XXXX day of XXXX, 2024. The claim presented by XXXX XXXX XXXX has been dismissed with prejudice and can no longer be collected upon. This item needs to stop being reported to all of my credit profiles immediately. 
I have attached a copy of the case dismissal from the Magistrate Court of XXXX XXXX. Please remove the following account from my credit reports. Your cooperation and prompt attention are greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and XXXX XXXX claim I took an ambulance ride in XXXX. I have tried to request records multiple times and proof that it was me and have never had a response from either company. I have left several voicemails, disputed it multiple times with Transunion, most recently in XX/XX/XXXX and XX/XX/XXXX, specifically demanding that they provide documentation that it was me, such as a signed statement, a copy of my ID, or any physical proof that it was me that took the ambulance, while providing the attached FTC ID theft report. I had a similar bill from XXXX XXXX from the same night, assuming that the ambulance was dropped there, however, I can not get any records from XXXX ambulance or XXXX XXXXXXXX XXXX but they keep " verifying debt is accurate '' in my disputes to Transunion and will not provide any actual proof or documentation of the incident as demanded. The debt from XXXX XXXX was dismissed and removed because they did not have any copy of ID or valid proof that I received the treatment, however despite XXXX XXXXXXXX XXXX not providing the demanded information in the attached most recent letter, Transunion continues to allow it to be falsely reported despite multiple disputes in regards to ID theft. 

XXXX XXXXXXXX XXXX has never contacted me, has no authorization to report this to credit bureaus, has failed to respond to multiple inquiries and messages left for them for follow up, has not provided accurate proof in multiple disputes covering multiple years. Both them and Transunion should be penalized for there absolute disregard to the law and Fair Credit Reporting Act Section 609 ( e ) relating to Identity Theft. I have provided my FTC filing for Identity Theft Report and they have still failed to properly furnish information required by law or respond appropriately by the laws and rights given to me and Transunion has failed to remove it in accordance with the law and lack of verifiable information regarding the transaction. This must be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On a numerous of occasions, I have disputed a 30-Day late payment for the month of XXXX removed, due to a system error on XXXX XXXX XXXX XXXX XXXX end. Also, I have uploaded supporting documentation to have the XXXX XXXX XXXX XXXX account ending in XXXX updated to have the 30-Day Late Payment removed from the credit file, but XXXX did not remove it, but instead they keep verifying that the information is accurate and it was verified, but they did not verify anything. Please let this be the final dispute documentation to have this account updated immediately to have the 30-Day Late Payment For XXXX to be off of my credit file before I take this to court and sue for damages for violating the FCRA, and violating the 15 USC Section 1681a ( d ) ( 2 ) ( A ) ( i ). Please correct this matter immediately. Thank you in advance.
Product: Mortgage

Dear Shellpoint Mortgage Company, C/O XXXX XXXX I have received the loan modification agreement from Shellpoint and it does not reflect the terms you laid out in the XXXX XXXX, XXXX letter you sent me stating : " Note that the total new principal balance under the modification is projected to be {$160000.00}, and {$49000.00} of that balance would be deferred. The deferred balance is non-interest bearing, and you would not make payments on the deferred balance : however, the deferred balance will become due and payable in full once the loan matures. '' The offer I received is for paying on the full balance of {$160000.00}, with no deferred balance. When I called customer service, I was told the offer is what it is and there is no other option, without anyone picking up the phone to talk to you or any other supervisor. I thought we had worked out our differences with the lack of attention paid to my account and the multiple errors being made on account of Shellpoint Mortgage Services. 

In addition, your XXXX XXXX, XXXX letter requested that I set up a meeting time and date by emailing you at XXXX. I did this as you requested and as of XXXX XXXX, XXXX I have yet to have a representative from Shellpoint Mortgage Service call me to discuss the concerns I communicated to you about the " batch errors '' on my account. In addition, in the same letter you mention " posted to your loan in error '', refunded to you in error '' and made at the request of a Shellpoint employee, in error. '' It seems to me that there are a lot of errors happening and little to rectify the situation. 

I also mention duplicate PMI payments which you wrote off as " disbursements for XXXX XXXX and XXXX XXXX were skipped. '' Another error perhaps? Or how about if you look back at the data you will see the skipped payments you mentioned actually were made on XXXX/XXXX/XXXX for XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX for XXXX/XXXX/XXXX. 

I have worked hard on getting Shellpoint to take responsibility for the " errors '' which have altered my account. I honestly believed we came to an agreement with you last letter and am disappointed that I now have to continue to fight with you to get the agreement you sent me in writing on XXXX XXXX, XXXX.
Product: Mortgage

I have been trying to resolve this issue with Discover Home Loans since XX/XX/XXXX, XXXXwhich was the due date for my XX/XX/2023 payment. I was told that they would withdraw the payment from my new checking account when I called in to change my checking account information that was on file for my automatic payments. I pay my bills on time and realized that I did not have online access to update my checking account information at that time. The associate I spoke with assured me that my payment would be made and taken from my new checking account. 
Payment was actually withdrawn from the old checking account which resulted in a {$32.00} NSF fee. I called again and spoke with XXXX, a supervisor who PROMISED me that my XXXX payment would be withdrawn from my new checking account. I was told that they could not issue anything to me via phone request to have the NSF fee of {$32.00} refunded back to my old checking account. I was told I had to write in. I tried that and was given an incorrect email address. When no payment was made as promised by XXXX and when I could not successfully reach anyone, I filed a complaint with CFPB. Discover stated that they would issue a check for the {$32.00} NSF fee and that if I made the XXXX payment, that they would consider waiving the late fee. That is only when I learned that I was charged a late fee for something that wasn't even my fault. I wrote in called on XX/XX/XXXX, XX/XX/XXXX, wrote in on XX/XX/XXXX, and several other times. I was never told of the late fee until they answered the CFPB compliant. I have been charged interest, late fees, and never refunded the NSF fee they claimed would be mailed to me via a check. I did not request this refund check. I need something from them stating that I should have never been charged an NSF fee so that I can undo all the damage to the old checking account that they have caused. In addition to all of these fees/interest, I started receiving collections calls. No one from Discover would speak with me regarding my account issues or waive any fees because of the CFPB compliant. I have had no other choice but to pay the late fees and associated interest. This is unfair practice and is a direct violation of debt collection regulations as it pertains to mortgages. I need the following to happen in respect to this issue that has been going on for over 30 days : A letter on Discover Home Loans Letterhead stating that the NSF fee that occurred as a result of them debiting the old checking account back on XX/XX/XXXX was due to their error. I also need them to refund all associated fees ( late fee ) and finance charges to the mortgage account. In addition, they need to speak with me regarding my account and stop hiding behind the fact that I have submitted complaints against them. They have ruined my credit with this nonsense.
Product: Credit reporting or other personal consumer reports

I've live in XXXXXXXX XXXX  for over 20 years, I never seen, visited, or moved to XXXX XXXX XXXX XXXXXXXX XXXX  XXXX. This address has been reporting on my credit reports for over XXXX years ruin my XXXX XXXX, with XXXX separate companies. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX essentials XXXX ) XXXX XXXX XXXX XXXX XXXX phone ) service. I sent letters, called the company, and contacted Trans Union about this,. In connection with the XXXX XXXXXXXX data breach which I am involved in currently,. Please remove these specific errors from my file and time line data breach associated with errors. All XXXX of my address is in XXXX state, why would it make sense to have a second address at the same time I live & work in another state, I information was stolen, I keep asking the for the same thing year after year. Remove all negatives during the 3 year data breach.
Product: Credit reporting or other personal consumer reports

In XXXX of this year, I purchased a laptop computer from XXXX XXXX and utilized your credit card service for installment payments with zero interest charges. I made timely payments for the first two installments, as evidenced by the enclosed documents dated XX/XX/XXXX and XX/XX/2023. 
However, unknowingly, these payments were directed towards my old XXXX XXXX account. 

Upon being informed of the mistake, I contacted XXXX XXXX, and their representative attempted to transfer the payments to my current account, number ending XXXX Unfortunately, due to system limitations, they were unable to process the transfer and instead issued a refund check to me for the total amount of {$110.00}, dated XX/XX/2023. Subsequently, I promptly reissued the payment to the correct account on XX/XX/2023, in the same amount. 

I was explicitly assured by XXXX XXXX representatives that this incident would not impact my credit rating due to the error being rectified. However, to my dismay, I observed my credit report drastically decline from XXXX to XXXX following the reporting of two delinquencies XXXX XXXX Upon contacting XXXX XXXX again, I was informed that they were unable to rectify the information provided to the credit reporting agencies, despite assurances of resolution within 40 days. The subsequent letter received on XX/XX/XXXX was equally disheartening, confirming the inability to amend the reported data. 

Enclosed are all necessary documents, including copies of the refund check, subsequent payment, and evidence of the initial timely payments, to support my appeal. This discrepancy has adversely affected my career prospects, impeding my ability to secure employment in an industry where I have accumulated over 30 years of experience. 

I urge you to help rectify this grave error promptly and restore my credit to its prior standing before this unfortunate incident. I implore for corrective action to be taken swiftly to alleviate the unjust ramifications on my credit rating, as I am striving to resolve this issue amicably without resorting to legal involvement.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has violated several federal laws, including XXXX XXXX XXXX, I have never received an explanation of how to Opt out of the reporting any of my personal information. I am giving notice that I have not consented to the reporting of my personal information which is a violation of consumer law. 

I am led to believe that XXXX XXXX is also selling my information to third parties without my consent. XXXX XXXX shall delete and cease to report all information in regards to me or I will be forced to take legal action against them to remedy this issue.
Product: Mortgage

Bank of America issued me a 1099-C in XXXX. I reported this debt cancellation on my XXXX  tax return. Bank of America never sent me a lien release. Instead, they sold the XXXX account balance to another company called XXXX XXXX Bank of America preyed on my lack of knowledge of what a discharge meant. And XXXX led me to believe a discharge happened because of a bankruptcy, which was never the case. Both of these companies need to be fined and sanctioned.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX, is reaching out in regard to noticing on my consumer report. That I see collection accounts, inquires, and late payments that are not related to me. Which in fact, according to the FCRA act that was passed through law 15 U.S. Code 1681 - permissible purposes 15 U.S. Code 1681 XXXX blockages of information. These codes were broken by the consumer reporting agencies, and I'm requesting for these accounts to be deleted and removed immediately.
Product: Credit card or prepaid card

I called Wells Fargo today to make a payment with the same account information I make it with every month for the past 5 is years. I verified over 5 pieces of information like I do every month and have been doing for the past 5 years. Today they refused to take my payment from the account I gave them verifying the routing number and the bank name. The manager stated she would notate my account to make it more difficult for me to call In and make future payments even though I had correctly verified all the information where my payment was coming from.
Product: Mortgage

I filed a Chapter XXXX bankruptcy in 2010 and it was discharged. I included my house which had a XXXX and a XXXX mortgage. The XXXX mortgage was with XXXX XXXX XXXX. After my discharge XXXX XXXX XXXX sold the debt to Nationstar Mortgage. Nationstar mortgage has been reporting on my credit negative every month since the bankruptcy was discharged. I have contacted them several times and they claim they can not do anything.. even though they are breaking the law! They will not help me and this is affecting my financing. It isx erroneous and should have never been sold as it was DISCHARGED in my bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't recognize these inquiries XXXX credit XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. There are fraudulant accounts on my credit profile that needs to be removed immediately. 

Fraudulant Creditors : XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I am sending you this CFPB complaint today to ask that you remove the late payments that you are now recording on my credit file. The references for the late payment on this account are false and deceptive, harming my credit report! I previously asked that this account be looked at and corrected, but you did nothing. Let me remind you that the FCRA legislation requires you to look into and update this account in response to customer inquiries. In order to present correct information on my credit report, I once again ask that you take your time to THOROUGHLY examine and CORRECT this account. I need to update this account right now since, according to the FCRA, reporting of account information must be correct. 
WELLS FARGO DEALER SVC XXXX Balance {$54000.00}
Product: Debt collection

XX/XX/2018 amount XXXX. 
Merchants adjustment services is holding me accountable for a debt I've never heard of XXXX XXXX XXXX, I've disputed this action, but they still accuses me on my XXXX report, but no other credit agency has this on theirs, please remove this fraud of my account, thanks
Product: Debt collection

NUMEROUS TIMES I HAVE REACHED OUT TO 800 LOAN MART INFORMING THEM THAT THE ACCOUNT THEY HAVE UNDER MY INFORMATION IS FRAUDULENT AND NOT MINE. THEY HAVE ASKED FOR DOCUMENTATION ALONG WITH NOTARIZED PAPERWORK TO SHOW THAT THE ACCOUNT DOES NOT BELONG TO ME. I HAVE PAID OVER {$75.00} FOR A NOTARY FEE SO I CAN GIVE THEM ALL THE PROOF THAT THEY NEED TO CONFIRM THE ACCOUNT IS FRAUDULENT SO THEY CAN REMOVE THE ACCOUNT FROM MY CREDIT REPORT ONCE AND FOR ALL. I FEEL LIKE THEY HAVE SOLD MY INFORMATION OR THE COMPANY THEM SLEVES HAVE DONE SOMETHING UNDER MY INFORMATION. I HAVE NEVER ATTEMPTED TO WORK WOTH XXXX XXXX XXXX AND I HAVE NO IDEA WHERE THIS ACCOUNT IS COMING. PLEASE REMOVE THIS FROM MY CREDIT REPORT. THANK YOU