23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I called last month to PNC Bank to make sure that no direct debit out of my account since I do n't have any money in the account. Below is also the communication I had with one of their customer service team. { Thank you for choosing PNC Bank. This chat may be monitored for quality assurance purposes. The next available Online Consultant will be with you. 
Hello, this is XXXX. Thank you for choosing to use our online chat service. 
XXXX : Good Morning and welcome to PNC Chat! I 'm a Chat Consultant located in XXXX, PA. How may I help you today XXXX : I have not heard from you for a few moments. Are you still with me? 
XXXX : Hi, I want to make sure that PNC will not allow any payment request made in the checking account, since I do n't have any fund in the account. I do n't want to get charged insufficient fund fees XXXX : Hi XXXX, I would be more than happy to look into that request for you! Did you set up a payment to another company from your Checking Account? If so, how much was it and when was it done? 
XXXX : not that I am aware of XXXX : just make sure or post a note on the account that no payment is allowed until further notice. can you do that for me? 
XXXX : Sorry, are you expecting a payment to post to your account? I see that you are Opted Out of Overdraft Coverage, which means that you have not given PNC authorization to pay ATM and one-time debit card transactions into overdraft. This does not include checks, recurring debit card payments, non-PIN based debit card transactions or ACH debits where you have made and agreement with a merchant. 
XXXX : If a transaction comes through that is a check, pre-authorized payments and non-PIN debit card purchases may be presented to the account even if there are not funds. 
XXXX : no check will come through for now XXXX : Perfect! As long as nothing is scheduled to come through the account then you should be all set! In the case that an unauthorized transaction comes through, we can dispute that transaction and add all fees to the dispute to reimburse you. 
XXXX : ok thanks! 
XXXX : You 're welcome! May I address any additional concerns today in chat XXXX? 
XXXX : I am all set. thanks } I also called the merchant to do the same as well. However, PNC still allow the transaction to go through not once but 3x. In the process to charge me insufficient fund fee, returned fee. Does n't bank has a fiduciary duty to their bank account customers? So what I ever I requested on my account has no baring to what the bank want to do to make money.
Product: Checking or savings account

Hi To whom it may concern : On XX/XX/2022 I received my SOCIAL SECURITY INCOME DIRECT DEPOSIT In the amount of {$1000.00} I had some funds available so total {$1200.00} then I transfer {$600.00} to my savings account so left the balance of {$680.00} so i made a payment to my QUICK SILVER CREDIT CARD That i have with Capital One in the amount of {$250.00} wish the claim that when they tried to withdraw the funds from my checking account is was insuficient funds in the amount of {$190.00} but still the available was not showing in my account money dissapear mistyriously. Also I made a payment on my Electricity in the amount of {$79.00} and the claim it was insuficient funds as well. My brother alert me that it may be hackers who transfer the funds. And the bank should be responsible for the money and replaced it to me. Capital One closed both credit card but did not replace the funds back to me eventhough I call to file a claim with the claim department on XX/XX/2022 and another payment in the other credit card also with Capital One in the amount of {$150.00} wish they received This is all for now. until this day I did not received my funds back to my checking account so I call the Social Security Administration Office and alert them to change my direct deposit. I don't trust any of these banks expecially if they are not responsible for fraude or hackers teft. 

XXXX XXXX
Product: Money transfer, virtual currency, or money service

Apparently PNC won't link with XXXX anymore??
Product: Credit reporting or other personal consumer reports

I received an alert on my credit my point went down XXXX points I called the company Consumer adjustment company and ask what was this they told me in XXXX  I received a loan I said no I didn't I ask them what was the address they gave me and address that I didn't live at and I told them I have proof it was a third party company I ask them to delete it as soon as possible because I don't have negative stuff on my report
Product: Debt collection

Multiple letters have been sent out to Experian Credit Bureau. And they have failed to respond and provide validating information in regards to the collections that are being incorrectly reported as well as inaccurate. I have already clarified my intent to pursue both this complaint and legal action towards the following accounts which were brought to the bureau 's attention : Experian Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX  passed the debt to portfolio recovery associates I told them I was locked up since XX/XX/XXXX Untill XX/XX/XXXX in XXXX  county I o I also saw the debt was incurred at a Airport and in Puerto Rico I have not given anyone the right to use my name or open up anything for my benifit or with my knowledge
Product: Vehicle loan or lease

In XX/XX/XXXX, my husband and I returned our leased XXXX XXXX back to the same dealership at XXXX XXXX in XXXX. This was within the 60 days early that we could return the vehicle. In XX/XX/XXXX we had the XXXX XXXX inspect the vehicle for damages and wear and tear. They cleared us of any damages and gave us a form of the inspection. By the time we dropped off the car, they dealer said we were good and did not owe anything on the vehicle, and when asked if we needed to do anything else, they said they did not know because they did not do leasing often. Then by XX/XX/XXXX, the XXXX XXXX company who did the finances to the car called to ask where the car was located, and we stated on at least 4 separate calls that the car was with the dealership and we had the paperwork from the trade in that the dealership had the car. This lasted until XX/XX/XXXX, when they called and said we failed to turn in the car and owed over {$800.00} back for damages to the vehicle. For the whole month of XX/XX/XXXX through XX/XX/XXXX we dealt with this problem, until the management and executives got involved after a BBB complaint was filed. The management waived the charges and said we were good and the account is cleared. They sent a final bill to us, but never showed that we did not owe the {$890.00}, nor a letter of good standing for the account as we requested several times. When we moved to XXXX for military orders in XX/XX/XXXX, on several occasions we received multiple calls stating that we owed roughly {$500.00} for the car. When we spoke to the manager, they read the previous notes and said they would waive the fees, and that we were cleared. I asked for a letter of the final bill again, and a letter stating that we are released of all liabilities and charges for the car. However, on the same day and the next day we received a call from the company stating that we still owed roughly {$500.00}, and then during the conversation they realized the note in their system and hung up. During mid XX/XX/XXXX, we received another phone call again from XXXX XXXX stating that we now owed {$310.00} in assessments fees. When questioned about the new charges, they stated that it was for the property taxes in XXXX from last year. I stated that we already paid the taxes for last year in full around XX/XX/XXXX and they said could not explain the charges anymore. They still said we owed that amount,  even after looking at the notes. Then on XX/XX/XXXX I received a letter stated that they have received all required payments a of XX/XX/XXXX. When I looked online at our account it still showed that we still had the payments for the XXXX XXXX.
Product: Debt collection

Security Credit Services had the collection from XXXX XXXX XXXX for an auto loan that got repoed. I paid the debt to the collection agency
Product: Debt collection

Midland credit management XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX is reporting false information on my credit report they are reporting that i open a account with XXXX XXXX XXXXk on XX/XX/XXXX in order to try and collect for longer they are also reporting the wrong amount of money my account was originally in collections for it is reporting that i owe {$630.00} when it Reality the account was open XX/XX/XXXX and the balance that was sent to collections was {$580.00} not {$630.00} i have email proof of the date my account was open and when it was send into collections i also have my XXXX credit report that have the correct information this collection company is dishonest and is try to get over on people i have gotten this taking of my report in the past but the company keep putting in back up there with false information in order to get more money and have more time to collect this company need to be looked into because XXXX know how many other costumes there doing this to
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM WRITTING TO YOU BECAUSE I HAVE RECENTLY REVIEWED MY CREDIT PROFILE AND FOUND THAT I HAVE MULITIPLE ERRORS BEING REPORTED, SPECIFFICALY SOME UNAUTHORIZED HARD INQURIES. I RECEIVED AN EMAIL FROM MY BANK TELLING ME THERE WAS A DECREASE IN MY CREDIT PROFILE. I DO NOT KNOW, OWN, OR GIVE AUTHORIZATION OF ANY OF THE ACCOUNTS LISTED. THIS IS UNAUTHORIZED USE OF THE SOCIAL SECURITY NUMBER/ CREDIT CARD PURUSANT TO 15 U.S.C. 1602 ( L ) AND 15 U.S.C. 1602 ( P ). WHICH IS A CRIMINAL LIABILITY PURSUANT TO 15 U.S.C. 1611 FOR WILLFUL AND KNOWING VIOLATIONS OF FEDERAL LAW AND THE FAIR CREDIT REPORTING ACT. I HAVE FILED A IDENTITY THEFT REPORT WITH IDENTITY THEFT.GOV. PLEASE SEE THE ATTACHED. THE ACCOUNTS LISTED HAVE BE OPEN WITHOUT THE CONSENT OF THE CONSUMER. I HAVE NOT RECEIVED ANY BENEFITS FROM THE UNAUTHORIZED USE OF THE ACCOUNTS LISTED AND I DEMAND THAT ALL PROCEEDS GENERATED IN THE NAME OF THE CONSUMER BE RETURNED IMMEDIATELY AND FOR THE CONSUMERS CREDIT PROFILE BE RESTORED TO XXXX AS IT PREVIOUSLY WAS. 

XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX PURSUANT TO 15 U.S.C. 1681 ( a ) ( 4 ), There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy- THIS IS A VIOLATION OF PRIVACY AND I DEMAND THESE UNAUTHORIZED ACCOUNTS BE REMOVED. 

SINCE THERE IS NO BUSINESS AGREEMENT OR CONTRACT BETWEEN ME AND THE CREDITORS LISTED ABOVE AND THEY DID NOT HAVE MY AUTHORIZATION, VERBAL OR WRITTEN, I DEMAND THAT YOU DELETE THESE UNAUTHORIZED USER AND INQUIRIES FROM MY CREDIT PROFILE IMMEDIATELY AS THERE IS NO EVIDENCE OF ANY AUTHORIZATION TO DO BUSINESS OF ANY KIND. 

PURSUANT TO 18 U.S.C. 1028 ( A ) ( 7 ) - knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person with the intent to commit, or to aid or abet, or in connection with, any unlawful activity that constitutes a violation of Federal law, or that constitutes a felony under any applicable State or local law. 

THESE ACTIONS ARE CRIMINAL AND UNLAWFUL. THE COMPANIES LISTED ARE REPORTED ON XXXX, XXXX, AND EXPERIAN.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer SSN : XXXX, Consumer XXXX : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C & 1681 c-2 ) that you, the Experian, XXXX and XXXX XXXX reporting agencies, 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 checking account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a student loan account opened at Department of EducationXXXX XXXX opened on XX/XX/XXXX under the account number XXXX, a credit account opened at Extra on XX/XX/XXXX under the account number XXXX XXXX XXXX These accounts have resulted in five fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report.
Product: Credit reporting or other personal consumer reports

I told the Experian, XXXX, and XXXX to reinvestigate the multiple Bankruptcy that are listed on my Public records as this information has been updated and all XXXX XXXX Bankruptcies has been removed from my XXXX XXXX report dated XX/XX/2023 case number : XXXX. There is only a XXXX XXXX  that is reporting which is also back in dispute with XXXX as of XX/XX/2023. However, they stated everything was completed and accurate. But how is that possible if the Courts don't report anything to any credit report agencies, and their source XXXX has remove the information from my report. The reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ). and the information must be deleted immediately. 

I have evidence to prove my case.
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports
Product: Credit reporting

Experian and or the collection agencies are reaging my accounts. Several accounts were removed and then re added under another collection agency name-I asked Experian to validate my open collections accounts-they did verify but did not validate as requested
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, a person had called me with the caller ID of Wells Fargo and had told me that in order to reverse other fraudulent transactions in my account, I must send {$630.00} to myself through XXXX. These people walked me through every step of the way and ensured me that this was the only way Wells Fargo could prevent these transactions from occurring. This money never returned to me and when I spoke to the representatives at the real Wells Fargo, they said they would investigate this and would be able to return my fund because I was wrongfully scammed. I just received a letter now that they have closed this claim and will not be returning any money. Its truly unfair that this situation has occurred and that I was mislead by those at Wells Fargo because they were unable to help out due to the fact that I was manipulated into authorizing this transaction. I have been loyal to this institution for over 10 years and during my time of need, they have let me down and left me on my own.
Product: Checking or savings account

Bank of America overdrafting system and few scheduling needs a COMPLETE OVERHAUL. XXXX, the pandemic and now the outbreak of omnicron and this bank specifically has zero to no options on waving fees for customers experiencing repeated Covid related issues such as myself. A period between the end of XXXX, I had experienced several reoccurring symptoms of Covid that prevented me from supplementing my SSDI. Which caused me to fall behind on some of payments due. Which caused my bank account with Bank of America to go negative. Despite for years have rarely any issues, the bank now has a schedule {$400.00} in overdraft fees scheduled to come out in XXXX that will be deducted out of my SSDI federal payment from social security that will prevent me as a disabled customer from paying my basic bills and necessities. I have already asked the bank last year on waiving fees due to my recovering from Covid symptoms during last 6 months of XXXX. The bank declined any assistance on the fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act XXXX XXXX XXXX XXXX XXXX acct has violated my rights. 

15 U.S.C. 168
Product: Credit card or prepaid card

The bank in question is XXXX XXXX D/B/A Wal-Mart Card. This card offers a promotional interest rate which I usually use for XXXX shopping. This promotional rate usually fails ( due to a complex process that is constantly under changes by the bank ) to take effect and calls and online chats with the company can usually resolve this. However, this did not work this last XXXX. I made a large purchase on Wal-Mart.com and after I was told that only in-store purchases were elegible for 0 %  interest. I at that point requested paper stetements, which I am now getting. Then they deleted all of my account history from my online account. As i did not recieve paper statements before, I have no history of my purchases. So here I pay 24 % interest until it is paid off. Today XX/XX/17 I am unable to download a PDF statement online, so I guess that is gone too. I looked this bank up on the BBB here : XXXX XXXX XXXX XXXX Here is their own summary from their page ; A+ BBB Rating System Overview Customer Review Rating : 94 % [ 30 ] Positive Reviews [ 23 ] Neutral Reviews [ 783 ] Negative Reviews [ 836 ] Total Customer Reviews [ 4,854 ] Total Customer Complaints Really? I am unable to file a BBB complaint because the page goes dead when entering the complaint process. Also somehow thay are rated A+ so there goes the BBB 's reputation. This company thought of everything. I believe they purchased this rating. All that I can do is say I am an honest person and keep my promises so I can not recommend this company because they are predatory in every way. Thank you for your time. XXXX XXXX XXXX, NH
Product: Credit reporting

I called Transunion on XX/XX/XXXX regarding credit inquiries that i never authorized. I froze my credit report do to banks running my credit without any signature or authorization by me. I bought a car back in XX/XX/XXXX and had already been approved by my credit union with a great low interest rate. I clearly told the dealership that i did not want them to pull my credit since i already had a bank to lend me a loan. They said it wouldnt be a problem and that they wouldnt run my credit. Well some how they still were able to add multiple inquiries without my authorization, which is a violation of the Fair Credit Reporting Act Section 1681b ( c ). I further remind you that, as in XXXX v. Trans Union XXXX, No. XXXX ( C.D.Cal. XX/XX/XXXX ), Transunion may be liable for their willful non-compliance. I spoke with a supervisor over the phone and told them i wanted the inquiries removed and they said they had to stay on my credit report for 2 years. That is clearly false since we know they have violated the law. I am demanding that Transunion remove the inquiries below : 1. XXXX XXXX, XXXX XXXX, PA XXXX. Pulled on XX/XX/XXXX 2. XXXX, XXXX XXXX, TX XXXX. Pulled on XX/XX/XXXX 3. XXXX XXXX XXXX, XXXX, Tx XXXX. Pulled on XX/XX/XXXX. 
4. XXXX, XXXX, TX XXXX. Pulled on XX/XX/XXXX. 
5. XXXX, XXXX, TX XXXX. Pulled on XX/XX/XXXX. 
6. XXXX, XXXX, PA XXXX. Pulled on XX/XX/XXXX.
Product: Credit card

How can a credit card provider refuse to accept payment online when the account is valid and has always had funds? 
Bank of America 's credit card system will not process my payment to balance because I " exceeded the amount of credit card payments [ I ] can make in a calendar month. '' I tried to pay my balance due of XXXX today due XXXX XXXX. I try to be responsible and pay when I receive funds either through reimbursement or when I receive my paycheck. The XXXX accounts I use for payment are long standing accounts that I use every month for payments. I had to call and electronically process a check drawn on the same account that I tried to use online. Between waiting period ( over 16 minutes ) and processing time, it took almost 25 minutes to pay my bill.
Product: Debt collection

This company has called multiple times about an old phone number from 15 years ago that they say I owe money on, which is false. When I try to get further detail, they yell and berate. A XXXX search of the number reveals that it is a scam and they are tied to other companies and phone numbers that have multiple complaints about scams. I believe the website is XXXX XXXX XXXX in the last call I threatened legal action. I am still on auto-dialer, but no one will pick up and it does not go to voicemail when I call back.
Product: Mortgage

my mortgage loan has been sold or transferred to another company. during this process it appears that they somehow lost an escrow payment. I have had this loan open for over 6 years and never missed a payment. I escrow monthly for my property taxes. I received a letter telling me that I am {$2500.00} short in my escrow account and either have to pay my mortgage servicer {$2500.00} now or they raise my payment to cover this difference. I did not have {$2500.00} to cover this shortage and there SHOULD NOT BE A SHORTAGE since I pay my mortgage and never missed a payment. I called the escrow department, showed them proof that mortgage payment was never missed, the escrow department acknowledged this fact, yet they stated I still needed to continue to pay an extra {$200.00} per month that I can not afford or they will not accept my payment, essentially forcing me into default if I do not comply with their demand. I asked for them to put my escrow on hold while they investigate, they refused and told me if I want to stop escrowing for taxes I would need to login on their site and make a request. They told me it would take over 1-3 months to do an analysis and figure out where they lost my money to pay my property taxes and while they try to figure this out, I am forced to pay an additional {$200.00} per month or go into default if I can not afford it. I am XXXX years old, I live on social security and I am now forced to not pay other bills in order to maintain my current status on my mortgage. This is an absolutely egregious error on their part, they listen, they agree I'm right, but because they can not figure out why they lost a payment due to a transfer of servicing, they are putting the onus on me to pay for their incompetence and mistakes.