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

They failed to honor the {$5.00} reward for every each month I deposit {$200.00} into my saving now they owe me {$10.00},,,, This is the false advertisement.I opened this account online, I passed all the verification and credit check procedures and passed
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

We were late on our payment for XX/XX/XXXX 's mortgage due to my spouse losing his job in XX/XX/XXXX and me losing mine on XX/XX/XXXX. We applied for a loan modification appeal on XX/XX/XXXX because the revised payment was still not favorable for us based on our current financial position. While we waited for a response to our appeal ( which the bank is still yet to provide ), we scrambled to get ensure that we cleared what was owed which was a total of {$4200.00}. We paid {$4200.00} XX/XX/XXXX, to cover XXXX 's mortgage and late fees, bringing our account to 'current ' status. Knowing that the funds will be 'unapplied ', I called the bank on XX/XX/XXXX and asked them to apply the funds to our outstanding payments. The representative I spoke with confirmed that she will do as instructed. 

Another payment of {$4000.00} was made on XX/XX/XXXX to cover XXXX 's mortgage, bringing us up to date with our mortgage payment. 

To my greatest shock, I recieved a call from the bank on XX/XX/XXXX, informing me that we were 72 days late in payments. I then recieved an email from the credit bureau on XX/XX/XXXX, stating that our account with TD Bank has been classified as delinquent, dropping my credit score from a high XXXX to the low XXXX. 

I called the bank on XX/XX/XXXX and the representative confirmed that we had over $ XXXX in unapplied funds. She mentioned she could see a note in the system from the representative I spoke with on XX/XX/XXXX who noted that the {$4200.00} should be applied to clear our outstanding balance but no action was taken and neither were we informed that this was the case. She mentioned she did not know why this happened. 

I called the bank again on XX/XX/XXXX and this time I asked to speak with a supervisor, hoping to get answers. The supervisor said he does not know why the funds were unapplied despite seeing the notes from previous calls and he mentioned he'd transfer me to loss & mitigation since they were handling our loan modification appeal. The lady I spoke with said she has no information either. Needless to say, this has been a very frustrating process for me. 

I want to know why TD Bank is holding funds that should be applied to our payments even after calling to instruct them to apply the funds to our oustanding. I also want to know why we were not contacted between XXXX and now to inform us that we were late so we could have resolved it before notifying the Credit Bureau - causing my husband and I 's credit scores to drop significantly. 

I followed up on the loan modification application several times becuase it's been well over 30 business days and they still have not made a decision. The representative I spoke with on XX/XX/XXXX informed us that we were still obligated to make our full mortgage payment pending when a decision is made. We struggled to ensure that we made these payments but they neither applied the funds to our account nor informed us that this was the case and after speaking to 4 different people on XX/XX/XXXX, no one seems to know what they're doing apparently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : 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 or other personal consumer reports

On XX/XX/XXXX, I looked at my credit report. I sent a letter to experian asking them to reinvestigate these account ; 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 the XXXX, I was sent a letter stating that due to my dispute looking like it had been prepared by a XXXX party company, they could not continue with my dispute until I send them verification that it was me that send the letter. 

Im aware that 15 USC 1681, ( 4 ) Consideration of consumer information In conducting any reinvestigation under paragraph ( XXXX ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information.

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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 1681eb they are supposed to ensure this ( b ) Accuracy of report 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.

And according to 15 USC 1681s-2 this is suppose to happen ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

Experian really didnt reinvestigate they lied on an official document saying they did something they did not do and I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX AND XXXX XXXX, have never been my accounts. I have sent away many letters to get these removed from my credit report. These have no contact information to dispute. I need these removed, it has been over 5 months! I have been emailing about XXXX XXXX, which has XXXX cards with my name, yet has no contact information. How am I supposed to move forward if my fraud alerts and removal letters for frauded hard inquiries are not being honored?
Product: Checking or savings account

Unbeknown to me, my PNC checking account was compromised by some individual, that we don't know, using a mobile application to cash multiple unauthorized or fraudulent checks. Immediately upon learning of this theft on XX/XX/XXXX, the bank was notified in person the very next day, since the customer service center was already closed. PNC explained not to worry that they would take care of this theft and refund our money. I walked away relieved! 

Fast forward to XXXX, the theft claim was denied because we reported the fraud 30 days after the first occurrence. Unfortunately, we had no idea unauthorized checks were being processed by PNC since we mostly use ATM, ACH or cash/balances for transactions. The thief started cashing unauthorized fake checks in small amounts to avoid suspicion - sadly it worked. 

PNC should have a noticed the high increase of checks being processed since as noted earlier, I use maybe 2-3 check per month. We were not notified of this unusual activity. PNC has copies of the all fake checks with clear false signatures. 

This individual knew how to easily compromise a checking account and steal money from PNC. Worse yet, they will do it again if not stopped by the authorities ... 

While it is ultimately the consumers duty to maintain the health of their checking accounts, whether high or low balances, I trust PNC or any other bank for one main reason - to keep my money safe from thieves. I have been a loyal PNC customer in good standing, for at least 10 years if not more, and also still have a money market account with them. Yet some of the recent conversations with PNC staff regarding this blatant check fraud, were questioning of my character and honesty. 

At this time, we have filed an appeal with PNC requesting all my stolen funds be returned to my account. Any assistance or guidance CFPB can provide will be greatly appreciated. 

Thank you. XX/XX/XXXX 2019
Product: Credit card or prepaid card

Can not register my card after buying it for {$2.00} and adding {$32.00} to it as prepaid. Also, the card will not make online payments and I have no way to get my {$32.00} back!
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX account # XXXX is fraudulent and is not mine. By law as a consumer, they can not report this to my report without my consent under 15 USC section 1681b yet you keep reporting this information on my report. I have been trying to dispute this information off my report for over 6 months which is a violation as well under 15 USC 1681B-2 as they failed to notate this account as under dispute. This account is false and misleading and is hurting my reputation and holding me back from applying for things. It's sad that even though I have the say of what goes on my credit report or not as the original creditor/obligor, these bureaus still continue report fraudulent items as if they own my personal information. This will be my final attempt to resolve this issue. If this issue is not resolved within 15 days of this complaint being received, I will be more than glad to seek monetary compensation for the mental harassment, abuse and trauma you have committed under 15 USC 1692d.
Product: Checking or savings account

My cellphone was hacked on XX/XX/XXXX, XXXX XXXX XXXX from the fraud department called me as there was an attempt to process a {$4600.00} payment for an online purchase at XXXXXXXX XXXX  but they flagged the transaction and didn't go through, then I realized that someone hacked my cellphone as I found an application that has been installed on my cellphone and I never installed it ( remote view ). I checked my bank accounts and found out that {$5000.00} were XXXX from my Bank of America checking account to someone's name XXXX XXXX XXXXXXXX XXXX XXXX XXXX  during my sleeping time without me receiving any text or transaction verification since it's a big amount. I called Bank of America fraud department and reported that also I filed a police report and filed a complaint with the internet crime complaint center .I was told 3 times by 3 different specialists in the bank of America fraud department that I will get that refund within 10 business days and the investigations takes up to 90 days, I called today to follow up and they told me something different that this claim hasn't been honored by bank of America XXXX
Product: Checking or savings account

I was supposed to get paid by Capital One on Wednesday and Im in the negatives and they said it should be fixed by last night but still nothing and now I cant even talk to a representative the automated machine says theyre trying to fix it but havent made any real progress yet and its already Friday and Monday is XXXX XXXX so who knows when people will be getting paid. They didnt say anything about until about XXXX yesterday when it was happening on Wednesday.
Product: Credit reporting or other personal consumer reports

In XXXX, a 1099-A was filed with I.R.S. for this particular account. It was never credited to the account. As a result they are reporting an inaccurate amount that is owed on the account. Also, they are reporting that this account has a 90 days past due, which is inaccurate as well. I have since settled the account with a money order and a certified tender of payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is not allowing a phone or online security freeze for me. 

My husband placed a security freeze with all four main agencies by phone or online without problems. I placed a security with XXXX, XXXX and XXXX by phone or online without problems. Experian is trying to push me without proper explanation to send a lot of sensitive info by mail which is ridiculous. Doing things by mail is also slower ( 3 days versus 1 hour ) if I need to lift the freeze in the future - so their route would also really penalize me. My personal situation has no complexities and I've been at the same address for nearly 10 years. They are not answering the phone when you try to get to a real person. 

I did not authorize any credit agency to have my information in the first place which I feel is a real invasion of my privacy. Now Experian want to make life difficult as well. 

Credit freezes should be automatically applied across all bureaus with one report, just like fraud alerts. That would be much better and fairer for consumers
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and identity theft. As a result, several unauthorized accounts and inquiries have appeared on my credit report. I am requesting that these items be blocked and deleted immediately under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Below is a list of fraudulent accounts that need to be removed from my credit report : XXXX Accounts 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 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 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 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 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 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 XXXXXX/XX/XXXX
Product: Checking or savings account

Hi Good morning, Well I have too many debt that I need to pay off, I didn't want to take a loan because of my low credit. And I reach out to my Aunt to help me with some money and I'll pay her back, She reach out to her friend XXXX XXXX XXXX and she sent me Wire transfer and the last one she sent is {$55000.00}. I had to withdraw some cash from my bank to renovate my house and do some other stuffs, I went to the bank to get my aunt XXXX a cashier check because that was the agreement with her, she also need money and she's taken part of the money her friend wire to me, BMO refuse to honor and verify the check to her bank. I called and explain she's my sister and they should verify and allow her to cash the check but they insists no, they want to know who send me the money and what's the relationship between us, even after I tell the guy that call me it was my aunt friend that send me the money, even though I don't know if my aunt borrow the money from her, BMO still insist that she sending me money almost 3 times is a fraud and my account was freeze, I reach out to my aunt and XXXX call her bank, XXXX  and they said to her they didn't call BMO for a reversed and no complaint, BMO just decides to held my money hostages and denied me of spending it. 

I got angry and open a new credit union.its much closer to me and they pay dividends and I went to BMO bank to request that they should wire my money to the new bank account, They insist they won't do anything for me, I request I wanted to close my BMO account, they insist they will not close it and that my account is freeze now. Omg what the XXXX is that, why will you freeze my account when there was no complaint sent from XXXX where the money comes from, You just concluded its a fraud because I came to withdraw a CASH and then a cashier check after some days. I need help from you CFPB, BMO just want to stole my money and denied me access to it. Please help me.
Product: Credit reporting or other personal consumer reports

Despite my prior XXXX attempts to address this issue, the incorrect opening dates remain unresolved. This letter marks my fourth attempt to request the correction of these dates on my account records.To support my claim, I have attached all relevant documentation once again, including proof of my original account applications and any other supporting materials. Please keep me informed of the progress and steps being taken to resolve this issue until it is fully addressed. If this matter is not resolved promptly, I XXXX have no choice but to escalate my complaint to higher authorities and explore other legal options to protect my financial interests. With this, I am asking for your assistance to correct the / accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I received by us mail first notice of alleged debt and demand for payment. This notice attached herein did not provide information identifying the original creditors accounting of the claim. I attempted to contact Transworld Systems Inc. ( TSI ) and was not able to reach anyone. 

On XX/XX/XXXX I mailed a certified letter attached herein to Transworld Systems Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX requesting they provide required information in order that I have an opportunity to investigate their claim. 

On or after XX/XX/XXXX I received a response attached herein from TSI providing an incomplete file copy of a lease agreement and accounting ledger. 

On XX/XX/XXXX I responded with a second letter attached herein citing XXXX CIVIL CODES, detailing my request for proper documentation and discrepancies with regard to previously provided information. 

On or after XX/XX/XXXX I received a letter from TSI denying my request for required information and no response to previously defined discrepancies.
Product: Credit reporting or other personal consumer reports

Tried to pull up my Equifax Credit profile on XX/XX/2023 and an error came up requesting that I call customer service, which I did and their customer service dept. wasn't able to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy DISMSD/CLSD XXXX I have been informed by the courts that they did not verify this for no bureau. Consequently, litigation may follow if it is not removed immediately ... this is false and inaccurate ... I have never filed Bankruptcy ... You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Please be advised this is against F.C.R.A.  law and is a violation of my rights..
Product: Credit reporting, credit repair services, or other personal consumer reports

i had a loan mortgage for which was transferred to another lender, but prior to transfer was with XXXX XXXX XXXX XXXX. account number XXXX on XXXX of 2016 the lender is reporting a late payment on mine and my XXXX boys credit report, because they are a share holder on this house. 
so basically they are ruining and reporting inaccurate information for XXXX innocent and honest people due to their error. 
nevertheless my boys are serving this country for many years now, they are in the military and serving for 6 years now. at that time that this misinformation happened XXXX of my sons was XXXX to XXXX and we were very worried. i believe i deserve the fact to have this inaccuracy removed just for the fact that i have given my sons for this country for which i am very proud of. please i need your help to have these late removed from all of our reports. 
appreciated. i believe we do deserve after going through lifetime of worry as a military family. thank you
Product: Credit card

Recently, Chase increased my purchase rate by 2 %. I pay on time and always more than the minimum amount. Upon contacting Chase they blamed the increase on government regulation and an increase in the prime to 3.5 %. I 've had this card for years and a prime increase or decrease never affected my rate. Chase 's only resolution was that I could close the account. The rate should not change.
Product: Credit reporting or other personal consumer reports

Kindly remove and block the unauthorized accounts from my credit report as soon as possible. I did not initiate these accounts and have no information regarding their origins. Per USC 1681g, I am formally requesting their removal within 15 days. Enclosed are supporting documents for your review.
Product: Checking or savings account

BofA closed my business checking account without any explanation. 
I was told that it was a decision made by BofA to terminate the business relationship. 
I asked to talk to a supervisor but was not transferred to anyone and left in the XXXX XXXX. 

I demanded to get the money at a local branch but they told me that there is no guarantee that I would get it. They said the money will be mailed to address on record and no further information was shared.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax security breach exposed my name, Social Security number, birth date, address and drivers license number as well as Credit card numbers possibly.