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

When I opened a Citibank checking account, the bank was pretty adamant I open a savings account as well, which I did. My understanding was they were to be linked. I recently noticed that although I usually keep over {$10000.00} balance, in the checking account, I am being charged a {$25.00} service charge for the savings account which is usually only several hundred dollars..I believe it was a bank error in not linking the accounts. I spoke with them today, and requested retroactive credit, but they would only credit the current month 's charges. While it is true that I probably received statements showing this, and did not notice, or question this charge, I do n't believe the charges were ever warranted, or explained to me when I opened the account, especially since I really did n't need a savings account, and was under the impression my accounts were linked. 
In fact the front of my statement shows " relationship total '', which would support my understanding of " linkage '', and it is not until further into the statement pages does the service charge appear.
Product: Credit card

Background : I have maintained a credit card account with PNC Bank for several years, and I have diligently set up the auto-pay feature provided by the card issuer to pay the minimum amount due on the account each month. My understanding was that by selecting this option, I would be complying with the terms of the agreement to pay the minimum amount due on the date specified by PNC Bank. 

Issue : Despite consistently utilizing the auto-pay feature to pay the minimum amount due, I have been assessed late fees by PNC Bank for XXXX past months. This practice is both unfair and unacceptable, as it contradicts the clear intention of the auto-pay feature, which is to ensure timely payments of at least the minimum amount due. I believe that PNC Bank 's actions are in violation of the terms and conditions of our agreement. 

Additionally, on XX/XX/2023, I had a conversation with XXXX from the escalations department of North Carolina. During this conversation, XXXX stated that when a consumer makes any payment on the account, even for as little as XXXX dollar, it would void the auto-pay. In essence, this turns the auto-pay setup void and punishes the consumer for making any payment on the account. This information further highlights the inconsistency in PNC Bank 's practices. 

Request for XXXX : I hereby request the following actions to be taken : A refund of all late fees that have been charged to my account in the past months due to this issue. 

An immediate cessation of the practice of assessing late fees when customers have set up auto-pay to pay the minimum amount due on the account. 

An investigation into this issue to identify other affected customers and provide them with the necessary remedies. 

XXXX communication to all PNC Bank credit card holders regarding the correct implementation of the auto-pay feature to avoid similar issues in the future. 

This issue affects not only me but potentially thousands of customers who XXXX be unknowingly incurring late fees despite their efforts to make on-time payments. I believe that by addressing this matter, the Consumer Financial Protection Bureau can help protect the rights and interests of consumers who rely on auto-pay features to manage their credit card accounts responsibly. 

I have attached supporting documentation, including copies of recent billing statements and proof of auto-pay setup, to assist in your investigation. Please do not hesitate to contact me if you require any additional information. 

I appreciate your attention to this matter and look forward to a prompt resolution. Thank you for your assistance in ensuring fair and transparent practices within the financial industry.
Product: Bank account or service

TD bank charging overdraft fees on charges not posted to account and purposely posting smaller charges to incur fees to accounts
Product: Mortgage

My family was affected by Covid-19, I requested a mortgage forbearance because of the reduction in our income. Carrington granted the forbearance which expires XX/XX/2022. We received a foreclosure sale date for our home prior to the forbearance expiring. I requested mortgage assistance recently and Financials and all required documents have been forwarded to Carrington for them to process our request.
Product: Debt collection

XX/XX/2018 XXXX XXXX from XXXX XXXX XXXX XXXX called my work and left a message about debt on my office phone. I work for a county government agency and the phone line called on is county government property not for personal use. 
The collector got through to my private work extension so I would think they misled the operator as to the nature of the call. 
I share an office and the nature of the call/message was likely audible to others. 
As the number is a county government line not personal I may be reprimanded. 
The number is for a county government XXXX XXXX XXXX XXXX. Common sense and etiquette should prevail.
Product: Debt collection

Kohls call me at least XXXX times a day! I have asked them to stop and even informed them that they have closed my account. They were supposed to stop calling me for XXXX days and send me something to do a cease and decease i believe, but that same exact day I was still receiving phone calls that never stopped! It is annoying and im starting to feel like they are harassing me, my voicemail fills up in less then two weeks with numerous messages from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

What follows is an email and letter sent to the Oklahoma Student Loan Authority ( OSLA ) on XX/XX/19. I have previous asked OSLA to remove the delinquency from my credit report and was told that they would not do so. This is a clear violation of Section 623 ( a ) ( 2 ) because they updated my account into a forbearance status for the months I was previously delinquent. They did this to bring my account current. While the original report of delinquency was correct, 623 ( a ) ( 2 ) requires OSLA to update the credit report by removing the negative report and showing the payments as current. They have refused to do so.

Pursuant to section 623 ( a ) ( 2 ) of the Fair Credit Report Act ( hereby, FCRA ), you are in violation of failing to correct and update information. It is the responsibility of OSLA to not only report non-payment to credit bureaus but also to update original reports with new information. 

My accounts have been updated by OSLA with a retroactive forbearance to bring my account current ( this has been confirmed via a recorded phone call at XXXX on XX/XX/19 ). A courtesy I greatly appreciate. However, OSLA has not reported the update to the credit bureaus as my loans being in current instead of delinquency. This is a FCRA violation. 

Furthermore, precedent has been set by the Federal Trade Commision ( FTC ) to substantiate my claim of legal violation. XXXX, of the Department of Education, inquired of the FTC as to if furnishers are required to update credit reports to remove delinquent and defaulted loans from an individuals credit report. The advisory opinion received is clear ; furnishers are indeed required to immediately update the credit reports. Please read : This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct '' those that were erroneous when submitted to the CRA. ( Emphasis added ). https : XXXX To be clear, OSLA does have a legal responsibility to accurately report payments as paid or not paid. It also, however, has the legal responsibility to update the reports as new information is available. My formerly delinquent loans have been given a forbearance in the months in which they were delinquent. Therefore, the negative report sent to the credit bureaus must be updated to show the accounts as current, not delinquent, for all of the 2019 year. 

This letter is being sent to OSLA via email and standard postal service. CFPB is also receiving a formal complaint to ensure accountability and expedited service. Please correct my credit report immediately. 

Account affected : XXXX Loans affected : *********** *********** *********** *********** *********** *********** Thank you,
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX -Has violated my rights XXXX-Account # XXXX Has violated my rights XXXXAccount # XXXX Has violated my rights XXXX-Account # XXXX Has violated my rights XXXXAccount # XXXX Has violated my rights XXXXAccount # XXXX Has violated my rights XXXXAccount # XXXXHas violated my rights 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 an account without my written instruction.
Product: Credit reporting or other personal consumer reports

I AM A NATURAL PERSON, I AM A LIVING HUMAN BEING, I HAVE RIGHTS UNDER 15 USC 1681. 

XXXX, TRANSUNION, XXXX IS GOVERN BY 15 USC 1681. AND THEY VIOLATED MY RIGHTS NUMEROUS OF TIMES. I DEMAND THE ACCOUNTS LISTED BELOW BE REMOVED BECAUSE I was the victim of identity theft which resulted in some accounts being opened in my name by fraud. I have filed a report with the Federal Trade Commission, and I also reported the issue to the companies where the accounts were opened. I am seeking your assistance with the following items : ACCORDING TO 15 USC 1681 : I HAVE THE RIGHT TO PRIVACY AND I DID NOT GIVE XXXX XXXX TRANSUNION WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. 
Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. Please remove the following accounts which were opened by fraud within 4 business days, per FCRA Section 605B ( a ) : XXXX 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 XXXX XXXX
Product: Money transfer, virtual currency, or money service

When I started using Zelle they did not have the proper notifications in place. My information was compromised and exposed.
Product: Debt collection

Recorded message that I am a " person of interest '' and that I or my legal representative must contact them immediately about a time sensitive matter. Internet search implies this phone number is from " Highpoint Asset '' as a debt collection company. This is a scam call and I am blocking this number.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following items which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
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 card or prepaid card

Hello This month capital one closed all three of my credit cards. I had set up automatic payments and I went into the online portal to cancel them because it was supposed to be coming out of my checking ending in XXXX and not my capital one checking. I cancelled the payments in the system and I made my payments normally. Somehow the online system did not process my auto payment cancellation and continued to attempt to take payments out of an empty not in use capital one checking. I didnt find out about this until my account was closed. I received no calls. My account was closed because the online app was defective in cancelling the auto payment I set up. 

I have only had XXXX valid returned payment over a year ago from a XXXX  XXXX  account as that account was closed. I have never gone 30 days late on any of these accounts and I always paid my balance down. 

The automated online system did not cancel out the autopayment as requested. 

I am requesting that capital one reopen my accounts. 

Please.
Product: Credit reporting or other personal consumer reports

i have been sending in my FTC REPORT, POLICE REPORT AND ALL MY PERSONAL INFORMATION IN AND THEY HASNT UPDATED MY FILE THEY HASNT RESPONDED BACK ITS BEEN OVER XXXX i been a victim of data breach and more please remove these items off my credit file
Product: Credit reporting or other personal consumer reports

I'VE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME UNAUTHORIZED INQUIRES.
Product: Credit card or prepaid card

I didnt buy anything consumable from the store that warranted late fees/ XX/XX/90 days late. I wasnt notified of the charges until it reflected in my credit report. The store charged membership fees of {$29.00} on the store credit card, which has been refunded after I made a complaint to the store and the bank. Please remove the late from my credit report.
Product: Money transfer, virtual currency, or money service

Wells Fargo are not complying with Regulation CC. On XX/XX/2022, I deposited {$100000.00} via a cashiers check from another local bank and was told that they were going to hold funds for XXXX business days making funds not available to me until XXXX - 12 days total. I have been a good customer for 15 years, never delinquent and have made occasional high deposits in the past. This is not the first time that this has happened and been held. The check was deposited in person and WF could have called the other local bank to verify legitimacy. I do not believe that XXXX business days and XXXX in total is reasonable and complies with Regulation CC. I spoke withXXXX XXXX
Product: Checking or savings account

on XX/XX/2022 i went to open a restricted court ordered savings account for my minor daughter and was told chase put a freeze on my social security number. i called chase to tell them i had covid which led into XXXX and a failure to maintain my account. chase told me they would lift the freeze if i opened an account with them for my daughter. when i told them no i dont want to open her account with them since they were unwilling to work with me they told me goodluck and hungup on me
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety. I was sent a zelle payment of XXXX on XX/XX/year> for a purchased item. After the money was sent and cleared the merchant was able to scam me through zelle and reverse the payment. I was stuck with the XXXX bill. After numerous attempts Zelle procceded to tell me there was nothing they could do about it.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I spoke to TransUnion today, and they asked me to file the FTC report for the hard inquiry on my report. I already filed the FTC report and attached it below. The FTC number is : XXXX Now they need to delete the hard inquiry on my report which is from XXXX XXXX XXXX via XXXX XXXX thank you.
Product: Credit card

I am an XXXX XXXX member of the XXXX XXXX XXXX XXXXXXXX. However, my interest rate is still above that set forth in SCRA benefits description. additionally I am currently XXXX XXXX XXXX where there are state modifications to SCRA benefits outlined in Louisiana statute 29:312 ( see below ) : 29:312. Limits on creditor interest rates A. Notwithstanding any provision of law to the contrary, no creditor in connection with an obligation entered into on or after XX/XX/year>, shall charge or collect from a person, or spouse of a person, who is on active duty interest or finance charges exceeding six percent per annum during the period that the person is deployed on active duty. 

B. Notwithstanding any provision of law to the contrary, interest or finance charges in excess of six percent per annum that otherwise would be incurred but for the prohibition in Subsection A of this Section are forgiven. 

C. The amount of any periodic payment due from a person, or spouse of a person, who is on active duty under the terms of the obligation shall be reduced by the amount of the interest and finance charges forgiven under Subsection B of this Section that is allocable to the period for which the periodic payment is made. 

D. In order for an obligation to be subject to the interest and finance charges limitation of this Section, the person, or spouse of the person on active duty, shall provide the creditor with written notice and a copy of the military or gubernatorial orders calling the person to active duty and of any orders further extending active duty, not later than one hundred eighty days after the date of the person 's termination of or release from active duty.

E. Upon receipt of the written notice and a copy of the orders referred to in Subsection D of this Section, the creditor shall treat the obligation in accordance with Subsection A of this Section, effective as of the date on which the person is on active duty.

F. A court may grant a creditor relief from the interest and finance charges limitation of this Section, if, in the opinion of the court, the ability of the person, or spouse of the person, on active duty to pay interest or finance charges with respect to the obligation at a rate in excess of six percent per annum is not materially affected by reason of the person 's service on active duty.

Acts 2005, No. 296, 1, eff
. June 29, 2005.
Product: Credit reporting or other personal consumer reports

CFPB I need your help. XXXX Equifax and XXXX XXXX is now sending me notification asking me to send in my license to identify myself. Why because Ive sent multiple complaints and they failed to respond according to the law so now they want me to verify who I am I am who I am and Im not no fakeThis makes no sense. I will provide a copy of my license attached to this complaint. This company is nothing but a monopoly and a corruption towards XXXX American citizens and needs to be put in place. They need to respond to my complaints as noted per the CFPB.
Product: Checking or savings account

I had my account opened in a branch about a year ago or maybe less. My business is about XXXX XXXX and not XXXX, that was the first mistake Bank of America made and they flag my account thinking at was about XXXX because now days people can't read. About a week ago I went to the branch and I deposited my check from the IRS from my taxes at the very next day they closed my account. I tried to go online and it says no information is found, I went to the branch and they told me to call this number XXXX because my account was getting closed. I call the number and they told me that they close my account because they decided to end the relationship with me and that's it. No explanations were giving. Account number : XXXX Name of the Business is : XXXX XXXX XXXX XXXX.
Product: Mortgage

The name is Freedom Mortgage Company. I asked them to close my escrow account because we want to pay our taxes and insurance so we can lower our mortgage payment. They said we can not do it because we did a modification in XX/XX/year> to lower our interest rate to XXXX. Our mortgage payment was going up every year until it got up to {$2000.00} a month for the year, the reason why because the insurance company was making us pay {$5500.00} a year. The insurance company was XXXX XXXX, they kept raising the premiums every year for three years because we put in a claim for a new roof. We had to get a lawyer to fight the insurance company to pay for the roof. This year we got fed up every one pulling money from us and we decided to pay our own taxes and insurance. The mortgage company said we have to keep paying the escrow account for the life of the loan because of the modification. We are senior citizens trying to reduce our payment because it is getting harder every month to pay the mortgage. We got rid of that insurance company and got one that is affordable, but our mortgage is still high at {$1900.00} per month at 2.7 interest rate. They wont let us pay our taxes and insurance company ourselves. Theyre still taking {$770.00} in escrow from us. Our taxes for the month is {$360.00} and our insurance is {$110.00} per month. We just want them to let us pay our own bills. To release our escrow account to us because we feel that they are doing something fraudulent with the account. 
If we stop paying that escrow our payment would be {$1100.00} a month
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : CLOSED ACCOUNTS BELOW 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 THESE ARE NOT MY ACCOUNTS AND I HAVE NO KNOWLEDGE OF AND THEY HAVE VIOLATED my RIGHTS. 
I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.