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

Hello. 

PNC bank had not credited me with the correct appropriate interest amount for 21/2 years ( from present going back about 2 1/2 years before ).

BACKGROUND INFO -- -- -I had my account first opened at XXXX XXXX and had subsequently moved to XXXX XXXX I had notified the bank of my change of home address before I had physically moved from XXXX. to XXXX about 2 1/2 years ago. The bank only changed my billing address ( when they send letters/ notices/ etc ), BUT NOT my complete IT personal profile which should have included my entire banking computer record that would reflect whatever my official new state of residence banking structure/ system should be ( including the interest rate for the state of my new residence should be ).

During those 2 1/2 years, the interest rate that they are/ were paying the XXXX  residents is much much lower than what they're paying the XXXX residents ( even up to the present time ) -- - huge huge difference -- - for XXXX  it was just about 0.01 % -0.025 % and for XXXX, it is about 4.5 %! The bank didn't even notify me of such huge rate difference between the two states during that entire time period even after I notified them of my residence state change. Neither did the bank let me know that they didn't change my complete internal IT customer profile system that would entitle me to the higher XXXX state interest rating structure. Therefore, I was cheated out of significant interest amount that I should be earning for that 2 1/2 years -- ie, the much lower XXXX  interest rate ( versus the higher XXXX  rate that was I supposed to be credited with during that 2 1/2 years ) on a significant sum of money deposited in my bank accounts there ( high XXXX of deposit money ). 

Since the bank did not change my computer profile to XXXX state for that period of time ( even after I had notified them of the change of my residence state in the prior 2 1/2 years time period ( -- - the evidence is very clear-cut because the bank had mailed materials to my XXXX  state residence during that time period ). I was credited with the low low interest rate of XXXX. state during that 2 1/2 time period ( up to just 3 weeks ago when I realized this injustice committed by the bank by visiting a local bank branch here in XXXX XXXX.did they allude to me the truth ). 

I had complained personally ( about 3 weeks ago ) to the XXXX  branch office ( XXXX XXXX, in XXXX XXXX -- XXXX XXXX XXXX -- supposedly manager ) and had also complained to the corporate HQ Executive Client Relation Department ( XXXX XXXX XXXX -- supposedly the highest level personnel in that department, as I was told ; ; plus some other lower level employees also, of which I have a record of all their names and the time and dates of my conversation with them ) to no avail, in spite of spending almost 14 hours of my time in explaining & presenting all these facts/ evidences to those people involved in this situation.

CFPB -- - Please help in resolving this issue. Much appreciated. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I had an overdraft fee on the account and I called immediately to find out how much it was and if I payed it off in full they would not report to the credit reporting bureau. The fair credit reporting act states that I am untitled to a thorough investigation of this agency
Product: Money transfer, virtual currency, or money service

I have recently signed up with CashApp. Many of my friends relatives use this app to receive and send money with no issue. I noticed almost all of my transactions are being denied for very small amounts. These are friends and family members attempting to help me while I am in between jobs, low on money out of work simply have tried to assist me. I am wondering if there is some sort of bias towards certain customers, I never had this type of issue with XXXX or any of the other apps.
Product: Credit card

Good afternoon, I have used my Chase credit card for several years and have never been late or missed a payment. I attempted to purchase a gift card online and was immediately declined. I contacted Chase and was told all fraud and security alerts had been removed. I attempted again with a different merchant / different gift card and the same result. I have gone into stores and attempted to purchase physical cards. These multiple attempts advised by Chase resulted in my account being under review unable to use my card for anything and me having to call in the next following business day to verify my identity. I would have to call the following business day due to the department being closed. My card being turned off would cause me to miss automatic bill pays I have set up causing me late fees with other merchants/accounts. This has been going on almost two weeks now. I have only purchased one or two gift cards on this credit card since opening the account in a 5 year span. I have talked to several supervisors in almost all departments including Chase customer protection and service department and no one can give me answers or resolve the problem. Chase should be well aware of my issue. XXXX XXXX - XXXX XXXX XXXX XXXX, VA XXXX ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

You need to get this XXXX off immediately as it is not authorized and damaging to me and may be actionable for statutory damages and punitive damages ... XXXX/XXXX-XXXX, XXXX/XXXX XXXX , XXXX XXXX XXXX.. If you do not remove it from my record, please provide me with written proof of every detail shown in your entry
Product: Checking or savings account

RBFCU in Texas is keeping the life savings of veterans! By making internal XXXX process to jump through to receive funds that are already yours. 

Is there anyone who can help us with this supposed lending & savings institution and getting our fathers life savings back? 

XXXX XXXX XXXX of XXXX. XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is a share auto loan between me & spouse we have had this vehicle for about four years, then in XX/XX/year> they came & picked up vehicle due to non payment but we was told by car dealership and also the bank that they was no longer our financial auto loan provider because of issues with the dealership we was told that we needed to reach out to the car lot to be refinanced and now they have post repossession plus {$23000.00} amount on both of our credit reports which has a BIG impact on our credit
Product: Checking or savings account

I have been instructed three different times by general customer service reps that the only way to resolve my account being frozen is to speak to someone in Security department. They are experiencing high call volumes, but I have spent at least 12 hours on hold on different days trying to speak to someone only to have EVERY call I make to the Security department dropped after either 2 or 3 hours on hold. 

Basically my money has been hijacked by the company and they provide me no means of resolving this issue except to say that I HAVE to speak to someone in Security, but nobody answers those calls. I have been trying to get through to someone in the Security department daily since XX/XX/XXXX and get the same result everyday. This simply is not acceptable. 

Also I did receive a letter dated XX/XX/22 stating that my funds have been returned. To this date my funds have not shown up to my original bank account. 

General customer service has no other suggestions of what I can do except to keep calling Security department back. How long am I supposed to go on wasting time on hold for 2 to 3 hours at a time just to have the calls drop every time and nobody to speak with about this?
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax exposed my personal data. 
Equifax offered 1 year of credit monitoring and free credit freezing. 
I decided that, since the credit bureaus ca n't protect my information, I must take steps to protect my credit. 
XXXX and XXXX want to charge for credit freezes unless there is an identity theft report. 
I believe that Equifax should pick up credit freeze charges, as it was their breach that caused an issue. 
I believe that identitytheft.gov should recognize the theft of personal information as identity theft and grant a report of the same rather than defining identity theft as the misuse of a stolen identity which could happen 20 years from now. 
I believe that XXXX and XXXX should not collect a windfall profit from the mistakes of Equifax due to the reaction of responsible citizens trying to protect their credit.
Product: Credit card or prepaid card

I tried calling dozens of times talking with employees, supervisors and managers none of which had any consensus when exactly payments are due. There is complete chaos at this bank. Each time you call someone there they give you a different answer. I asked specifically what day each month is the payment due and yet no one gives the same answer? I was told for 15 months there would be no interest and no payment due! I don't believe it now because there is a catch to the story. An employee said yes but it will affect your credit! I am so confused by this bank. There are no direct answers to simple straightforward questions.
Product: Credit reporting or other personal consumer reports

I sent Debt Validation Letter and Demand to Correct Misinformation over 5 months ago ( XX/XX/year> ) but I have not received any reply or response. This failure is a direct violation of the Fair Debt Collection Practice Act subsection 809. The incorrect information pertains to the actual accounting statement which should reflect Paid in Full but instead mistakenly states late payments and wrong payment reporting in violation of 15 USC 1666 and 15 USC 1692 ( g ). This account was paid in full immediately upon providing my social security account to creditor did not provide proper consideration but instead acquire the funding/credit from the cestui que trust account at the Federal Reserve Bank which was established and belongs to me. So in essence, I did not borrow any money from this creditor. The creditor simply accessed my trust account to receive the credit for this loan and defrauded me to believe they gave me consideration for the loan contract which they did not. Since this alleged creditor accessed and received the credit for this amount required to purchase the vehicle, this account has always been PAID in FULL from the day I executed the loan application and allowed XXXX to use my social security account to receive the credit / funds. I also never gave this creditor verbal or written consent to create, open or report any of my information regarding this contract with any of the credit reporting bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XXXX 2015 I opened this account. I made payments on time for a long time every two weeks. I had to get a divorce due to a XXXX marriage. I called them to work out new arrangements said they work with me and I was in no danger of getting reported to the credit bureau. They never reported all the payments I made on time. However without notifying me they reported me negative with Experian. The fair credit reporting act states a creditor is suppose to notify you when it supplies negative info to a Credit reporting agency.
Product: Student loan

Navient has begun ignoring the payment instructions I sent them yet again. The instructions were dated XX/XX/XXXX and were received by Navient on XX/XX/XXXX. This is the SAME PROBLEM I reported in my previous two CFPB complaints about Navient. Navient has repeatedly told me and the CFPB that they WOULD follow my instructions, but continually fail to do so. 

As one recent example, my payment of {$210.00} applied to my loans by Navient on XX/XX/XXXX was allocated as follows : {$19.00} to Loan XXXX, {$100.00} to Loan XXXX and {$91.00} to Loan XXXX. The amount due on these loans were : {$19.00} for Loan XXXX, {$20.00} for Loan XXXX and {$18.00} for Loan XXXX ( total : {$58.00} ). According to my payment instructions, Navient should have applied my payment as follows : {$19.00} to Loan XXXX, {$20.00} to Loan XXXX and {$170.00} to Loan XXXX. All of the {$150.00} extra principal from my payment should have been applied to Loan XXXX, the loan with the HIGHEST interest rate and LOWEST balance. 

I have attached Navient 's loan information sheet as of XX/XX/XXXX that shows their miss-application of funds ( {$100.00} to Loan XXXX and {$91.00} to Loan XXXX ) for this example. 

I've included the relevant payment instructions below that were also included in my previous CFPB complaints against Navient : -- -- -- I am writing to provide you with updated instructions on how to apply payments when I send an amount greater than the minimum amount due each month. Please apply my payments as follows : 1. After applying the minimum amount due for each loan, any additional amount should be applied to the principal balance of the loan that is accruing interest at the highest interest rate. 2. If there are multiple loans with the same highest interest rate, please apply the additional amount to the loan with the lowest outstanding principal balance. 3. If any additional amount paid above the minimum amount due ends up paying off an individual loan, please then apply any remaining part of my payment to the principal balance of the loan with the next highest interest rate and lowest outstanding balance. 4. Do not put any loans into paid ahead status or advance my payment due date. Retain these instructions. Please apply these instructions to all future overpayments. -- -- -- As I stated I would do in my last CFPB complaint, I am now requesting that Navient pay me monetary compensation for the wasted time I have had to spend dealing with Navient 's refusal to follow my instructions. I'm requesting that Navient compensate me for 5 hours of time at $ XXXX/hr ( {$120.00} total ) for my time spent documenting and submitting these 3 CFPB complaints. This doesn't even include the time I spent trying to resolve this directly with Navient before moving on to the CFPB. This is a ridiculous waste of my time and I demand to be compensated. Navient can apply the money to the Principal balance of the loan with the HIGHEST interest rate and LOWEST balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Solicitations and damaging remarks on my credit report
Product: Checking or savings account

I had 3 unauthorized transactions on my account from an ATM. I informed CashApp the second I found out about them. One was for {$460.00} on XX/XX/XXXX, XXXX the other was for {$300.00} on XX/XX/XXXX, at XXXX and the other was for {$180.00} on XX/XX/XXXX, at XXXX. I did not authorize these transactions, my debit card was canceled as a result and the location said they had video evidence that it was not me performing the transactions but they would only provide that information or video I should say to whoever was investigating it. I told this to CashApp. They refused to investigate and just denied my disputes. I informed them of regulation E sec 205.11 and how it related to unauthorized transactions. They have denied these 5 times. They ignored me and then told me to call the police. But they were the ones accusing me of lying or committing fraud. As I would have to be in order for them to deny these. I have reached out to the over 200 times just be hung up on, ignored and be caught in their passive aggressive refusal to accept responsibility for their actions or lack their of. This company needs to be thoroughly investigated for rights violations and banking fraud. They need to be put out of business for good.they are a prime example of what is wrong with financial institutions today in the United States. Cash app also installed malware on my XXXX which I have proof from XXXX I had to reset my XXXX as a result and it cost me pictures of my XXXX XXXX XXXX that I will never get back. Attached is proof. Look up the doimains they installed the I called them all day. They took over my XXXX
Product: Mortgage

I have filed again and again complaints against Moneyhouse.Each time I submit a complaint they send the companys response is always the same bullshit.I have two different sales contract generated by Moneyhouse in their closing package.I have two insurance policies on the house.Both dated XXXX.One policy has a face value of $ XXXX.with a premium of XXXX.plus dollars.The other with the same coverage date and a face value of {$190000.00} and a premium of $ XXXX.Moneyhouse reps talk about my negligence in not having the home inspected.The form in the closing is blank.If they wanted to protect my interest and cover their corporate asses.They should have informed me about the importance of inspection and had me signed.Early XX/XX/2020 XXXX XXXX was getting sensitive financial records from me to proceed with the loan.Even though Moneyhouse is stating that the sales contract became effective XX/XX/2020, with two different contracts.I went to the Moneyhouse office in early XXXX at XXXX.I never visited this in office on XXXX.The mortgage process started in early XXXX I didnt get the necessary financial disclosure stated by Raspa.Closing documents I should have received 3 days before the closing.I received a day before.This process has a been scam.Cant believe the bad faith and deception of the Realtor and mortgage broker.
Product: Credit reporting or other personal consumer reports

iin accordance with the fair credit reporting act. the list of accounts below has violated my privacy and confidentially under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS.

15 USC 1681 Section 602 A, states i have the right to privacy.

15 USC 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 and crimes which antedates the report by 7 years.

15 USC 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
Product: Debt collection

ProCollect, Inc. has been harassing me about a debt that I do not owe via telephone and mail. i have told them numerous times that I do not owe any debt and that I am not paying any alleged debt. 15 USC 1692b ( 2 ) -Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ; 15 USC 1692b ( 5 ) ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ;
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.

List of Unauthorized Inquiries : XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXXXXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX 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 ) ( XXXX ) 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 am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified.

These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXXXXXX XXXX XXXXXXXX ...., XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XX/XX/year> XXXX Dear Credit Bureau , I recently received a copy of my Equifax credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from credit file because it is making it very difficult for me to acquire credit. I have sent this letter certified mail because I need your promo response to this issue. Please be so kind to forward documentation that you have had the unauthorized inquiry removed. Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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 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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNT -- 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account.