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

I was formerly a XXXX customer who merged or got bought out with PNC Bank. The transition happened on XX/XX/XXXX and at the time I was supposed to be able to log into my account, I wasn't able to. I figured it was probably just running a little slow with all the people trying to log in and gave it a few hours. 

A few hours later on XX/XX/XXXX, I tried to log in and my second attempt at logging in I received an error that my account had been locked for trying to log in too many times with incorrect information. 

I tried to reset my password which didn't work so, I thought maybe I was one of the people who needed to enroll and start a new account. When I did that, it tells me my information is not recognized - the information I used was my SSN and my new PNC Bank Virtual Wallet account number. 

I called the main help number and get someone who is helpful but unable to help me. They can see my account and confirm that I do have an account with PNC but are unable to help me get into online banking so, they transfer me. I was on hold for 2 hours and had to hang up because I had a meeting at work I needed to be on the phone for. 

On XX/XX/XXXX, I tried all the steps above again with all the same results except I couldn't stay on hold with them for 2 hours, only 30 minutes and then had to hang up. 

On XXXX XXXX same story except the slightest bit more information from one Help Desk employee : my username didn't get transferred over. And now here I am, typing this while waiting for someone to answer as the phone rings endlessly after being transferred to the Online Banking Division. I expect I'll let it ring for another hour and forty five minutes then have to hang up because of a work meeting in 2 hours. 

The only other way they advertise to get ahold of anyone is through XXXX. I've messaged them several times there in response to their " How can I help you '' threads as well as sending them DMs - none of which have been responded to. 

I can't get in to pay my bills! I can't get in to see my accounts! I can't get in tomorrow to check to make sure my paycheck will be deposited because now I don't trust that anything will be done correctly if they couldn't even port over my username correctly. 

I'm in IT - how was there no testing of anything? No double checking that they got everyone? They took months to get this transition set up and they miss people? There are LOTS of people on XXXX who are in the same or similar situation. It also sounds like you can't go into a branch and have them help you- they refer you to the Online Banking department.
Product: Credit card or prepaid card

Its been 5 weeks going on six and I still havent got a card or any answers on how much longer it will take. Need funds ASAP please help!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent Experian numerous request by certified mail and online since XX/XX/2022 to investigate several accounts listed on my credit report that do not belong to me. XXXX deleted the accounts off my credit report but Experian failed to properly investigate.
Product: Checking or savings account

I signed up for an Citi Priority account with an account opening bonus. I was promised {$700.00} after depositing {$50000.00} for 60 days. I followed all bonus terms and I have not yet been paid. I have inquired multiple times with no resolution, and been promised the issue would be escalated internally. My most recent contact, on XX/XX/XXXX, ended with a rep informing me that my account was indeed qualified for the bonus and that it had not been paid. This, again, resulted in an internal escalation which I have little hope of being resolved without this requested intervention from the CFPB.
Product: Credit card or prepaid card

I recently applied for and was approved for a Citi Premier credit card in the middle of XXXX. The sign up bonus for the card was an additional XXXX thank you points for spending {$4000.00} in the first 90 days of opening the account. In the first month, I put over {$4000.00} of spending on the card. Its now been an additional billing cycle since then and the bonus points have not been added to my account. I contacted Citi and their representative said they would look into the issue and get back to me. That was over a week ago and I have not heard back from Citi or received the points.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX I have received a copy of my credit report and I have found the following items listed below to be in error. 

You are in Direct Violation of The Fair Credit Reporting Act XXXX XXXX XXXX XXXXXXXX  # XXXX XXXX XXXX XXXX # XXXX has all violated several of my rights. 

15 U.S.C 1681 Section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states that a Comsumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637b of this title is mailed or delivered to the consumer not later than 21 days before payment due date.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account 1. XXXX XXXX XXXX {$650.00} 2. XXXX XXXX XXXX {$1000.00} 3. XXXX XXXX XXXX {$670.00} 4. XXXX XXXX XXXX  {$890.00} 5. XXXX XXXX XXXX  XXXX {$160.00} 6. XXXX XXXX {$300.00} 7. XXXX XXXX  XXXX {$2100.00} 8. XXXX XXXX XXXX {$2300.00} 9. XXXX XXXX XXXX {$350.00} 10. XXXX XXXX XXXX {$970.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

I make two different transactions with my American Express card : XX/XX/XXXX for XXXX and the second XXXX for XXXX on XX/XX/XXXX For a total of XXXX dollars to the company called XXXX XXXX XXXX. This company offers travel experiences ( not flights and is base on the XXXX XXXX ) Due to the COVID pandemic, the company postpones the trip to XX/XX/XXXX ( originally scheduled for XX/XX/XXXX ) At the time, the company did not issue any refunds. On XX/XX/XXXX received an email that the company was filing for bankruptcy/insolvency. Before that, they send information that they will no longer able to fulfill the trip. Base on the information from the company. According to the Civil Aviation Authority ( CAA ) and XXXX XXXX ( Think it is the insurance company representing XXXX XXXX XXXX ) I should claim the refund through my credit card. In my case American Express. 

I contacted American Express on XXXX/XXXX and file a dispute for both chargers. I provide documentation. Including emails and insurance files provided by the company. However, American Express closed the case. They claim that we're unable to reach out to the company and that time for the claim has elapsed. I gather extra documentation and re-open the dispute on XX/XX/XXXX. On XX/XX/XXXX I received the message from American express essentially closing the case with the same arguments. It is clear to me that American Express refused to revise the document that clearly states that it is the credit card company that should issue the refund, not the merchant. Moreover, the person I was going with. Submitted the same information as me at the same time and was able to get a refund back. It seems to me that the credit card company is selectively choosing who they are going to give a refund to and refused to even investigate and read any documentation submitted that clearly states my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act Department Ed XXXX Accounts ( XXXX in total ) Late payment in all accounts - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction
Product: Mortgage

My mortgage services seterus made a mistake with my county tax escrow account. I received the letter saying my regular payment was gona go from XXXX to XXXX in XXXX. I immediately called and corrected there county tax info they did another escrow analysis. the new payment actually was now XXXX for XXXX.. They refuse to change my payment and say if you do n't pay the amount they will foreclose.
Product: Prepaid card

A few days ago on XX/XX/year> I received an email from a company called Wisely. The email had stated that a card ( a pay card ) has been sent to my home address and should arrive on XX/XX/XXXX, which was the date I had received the email. I have never ever heard of Wisely before and I didn't apply or enroll for a card with them or create an account with them given that I have never heard of them before. Today, on XX/XX/year> I received the card with all the papers on how to activate it. I tried calling their customer support number that was on their website as well as on the back of the card. When calling, I was answered by an automated message system where I was asked to put in the card number as well as some other information such as the last 4 digits of my social security number and the year I was born. After doing that, I was just prompted to activate the card which I don't want to do. I was never able to actually speak with a real person from their company or customer support. I am also the only person within my household to be sent this email or card. My main concern/ question is how & why I was sent this card from a company I have never heard of and never signed up/ enrolled in? And how they got my information to send it to me to begin with? I'm aware this company has my name, email, home address, city & zip code, although I don't know what other personal information of mine they may have.
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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: Credit reporting or other personal consumer reports

I have recently pulled my credit report and noticed that there is a collection listing from your agency. 
I have never been notified of this collection action or that I owed the debt because I have never done business with your company. 
This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me.
Product: Checking or savings account

We are in XXXX for an extended period. Before I left the States I spoke with branch managers of the Wells Fargo Bank in XXXX to confirm that we could access our account online, When we first arrived in XXXX we were able to log on and access the account. We have a XXXX Wells Fargo account with more than {$10000.00} in checking and savings. 

Over the last two months we have been unable to access the account online. We have made several calls to Wells Fargo and they say they have a technical issue resolving this problem and the only way to rectify the issue is to fly back to the USA and visit a branch in person. We have family commitments here in XXXX for an extended period and can not fly back to the States. 

Additionally, we have made several calls to Wells Fargo and the answers keep changing as to why we can not get to our online account. Finally, we have no liens against our accounts and get regular deposits from the XXXX XXXX XXXX and XXXX XXXX so there are regular deposits.
Product: Debt collection

I have a non-validated accout # XXXX that has been sold to your office. This is the third time I have had to have this old charged off account removed from my credit report. I have never done any business with IC SYSTEMS.Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX, I dispute the validity of the debt IC SYSTEM purport I owe.It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. 
XXXX COLLECTOR XXXX Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein XXXX agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 
Please provide the name and address of the bonding agent for IC SYSTEM in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.
Product: Credit card or prepaid card

AmexReward Card - Sweep I spoke with various customer representatives in four different occasions.

1. Representative 1 - Per their card agreement there was nothing they could do because the funds had expired.

2. Representative 2 - Transferred me to their supervisor who after I mentioned that I had read their card agreement and was seeking a replacement card hang up the phone.

3. Representative 3 - asked me to pull the same agreement from the internet and told me funds were expired. In the same agreement, I referred her to the paragraph below : Escheatment : Under certain states laws, if the Card is not used for a period of time, we are required to pay the unused funds on the Card to the state as unclaimed property ; if that occurs, we may deactivate the Card, but we will make the full unused funds available to you at your request and will provide you with a new card. For these reasons, if you attempt to use the Card and the Card is declined, do not assume that there are no funds left on the Card. Please check your Available Balance and call Customer Service for further assistance.

4. At the point she transferred me to her supervisor. He once again, quoted the agreement but once I pointed out the section below he failed to acknowledge the process for processing my type of request and said it was nothing he could do.

I asked if there was anything other information or number to another department but he said it was none.
Product: Credit reporting or other personal consumer reports

I sent out letters disputing all items in my credit file TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX on XX/XX/XXXX also to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, and Also to XXXX XXXX XXXX XXXX XXXX, TX XXXX .... All Accounts on these credit reports, No actions were taken as was a victim of fraud and unfair credit reporting under 15 USC 1681, and was involved in the recent credit Breach. 
XXXX XXXX XXXX and a bal. of {$3400.00}, XXXX XXXX revolving XXXX bal. of {$540.00}, XXXX XXXX Revolving  XXXX bal. of {$390.00}, XXXX XXXX XXXX XXXX. OF {$780.00} ORIGINAL CREDITOR XXXX XXXX XXXX XXXXE BAL OF {$63.00}. ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX {$630.00}, AND AN ADDITIONAL XXXX XXXX XXXX XXXX$470.00} XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

My credit file has been mixed up with my sons we have similar names and share the same address. His accounts are reporting to my credit report. 

These account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) Mistaken identity/ does not belong to me.
Product: Vehicle loan or lease

This is the second time I have filed a complaint with the CFPB regarding Wells Fargo Dealer Services ( WFDS ). This is also the second time I have made a monthly car loan payment to WFDS. The first complaint filed was regarding WFDS improperly applying my monthly over-payment as a payment carry-over ( held as a reduction against future payments ) instead of a direct pay-down of my principle owed. Last month, after my complaint to CFPB WFDS made a payment reversal and correctly applied the payment. This month, WFDS is incorrectly applying my payment again. They are capping my monthly payment and treating the amount over their cap as a payment carry-over to future payments instead of a direct pay-down of principle owed.

I received a call from WFDS shortly after my first complaint and requested that all future over-payments made to the account be applied directly to outstanding principle owed. WFDS agreed to make the correction but said they can not promise it would not happen again. It has occurred again so I am filing another complaint. I will continue to do so until WFDS correctly applies all future over-payments as direct pay-downs of principle owed. I also received a letter from WFDS indicating that someone from the " WF Office of the President '' would contact me. A representative reached out to me and left me a voicemail with their contact information. I have called the WF representative back twice and left two messages with ways to contact me. To date I have not received a call back. 

Thank you in advance for any help you can give me.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXXXX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  XXXX XXXX  XXXX  XXXX has violated my rights. 

- 15 U.S.C 1681 section 602 A. States I have a right to privacy.

- 15 U.S.C 1681 section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
Product: Vehicle loan or lease

I made a payment using PNC bank 's website for an auto loan. There is not option to pay an extra amount to the principal of the loan so I assumed any excess amount would be applied to the principal. I later checked my account and the excess amount was applied as a regular payment. 

I contacted customer service and they said that they would correct the problem. I also asked if there was any way to make additional payments to the loan. They said no, that I would have to contact customer service each time I wanted to make a principal payment online.
Product: Credit reporting or other personal consumer reports

NAVY FEDERAL CREDIT UNION IS IN SERIOUS VIOLATION OF VIOLATING MY CONSUMER RIGHTS. I HAVE ASKED COMPANY TO PROVIDE MY WET SIGNATURE IN REGARDS TO XXXX ACCOUNTS WITH THIS COMPANY. NAVY FEDERAL CREDIT UNION IS IN SERIOUS VIOLATION OF PERMISSIBLE PURPOSE 15 U.S. CODE 1681 b, The Truth and Lending Act 15 U.S. Code Cap. 41 1601, Extortion, Embezzlement, Debt Bondage, Traffiking, Attestation, Right to privacy 15 U.S. Code Section 602 A, Navy Federal Credit Union did not have my written consent to report to any bureaus which is a violation of 15 U.S. Code 1681 Section 602 A Section 2, also banks do not have real money so why would this bank LIE and say I used their money when the bank used my social security number to create a promissory note that I did not consent which is aggravated theft 18 US Code 1028 A. Also why is this company reporting late payments which is against the law 15 US Code 1681 a ( 2 ) ( A ) ( i ). Why is this company asking for my social security number which is against the law 42 US Code 405. banks do not have lawful money and this bank is committing crimes 12 US Code 1431. Provide proof of the original promissory note, provide wet signature, provide ledger. Reporting on a closed charge of account is a violation that Navy Federal continues to commit 15 U.S. Code 1681c. Client must be compensated due to aggravated identity theft 18 US Code 1028 A. Remove all accounts off of every credit report immediately. Navy federal has also Violated an order to Cease and desist.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX 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