23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/24 I deposited checks in the amount of {$23000.00}. 

On XX/XX/24 I signed a domestic wire that was successfully processed on XX/XX/24. 

On XX/XX/24 my online banking showed AVAILABLE BALANCE of {$23000.00}. 

On XX/XX/24 at XXXX XXXX  I received an email from PNC Bank stating that my AVAILABLE BALANCE is {$23000.00}. 

On XX/XX/24 I signed a domestic wire transfer, and the bank teller called me after I signed and informed me that the funds were being verified and came back as unavailable and my account will be on hold until XX/XX/24. 

On XX/XX/24 I called XXXX and spoke with a representative who contacted the Loss Aversion Department XXXX and I was told that the funds would be frozen until XX/XX/24 and that there was nothing he could do. 

On XX/XX/24 I spoke with an Executive Agent and was told that the funds were not verified and cleared before they were updated into my available balance and therefore my account will be on hold while PNC Bank works with their SERVICE PARTNERS until XX/XX/24. 

On XX/XX/24 I called again to XXXX XXXX  and was transferred to XXXX. My PNC account was transferred to the EXCHANGE for RISK Department because my money was used by PNC Bank to purchase a DERIVATIVE INSTRUMENT and therefore the domestic wire transfer that I signed on XX/XX/24 was not successfully processed. 

On XX/XX/24 the Exchange for Risk Department transferred me to XXXX. 
My PNC account was transferred to the LOSS AVERSION Department to calculate the risks PNC would have to take for purchasing a derivative instrument with my funds against my consent. 

On XX/XX/24 the Loss Aversion Department transferred me to the Fraud Department. After verifying that the checks that I deposited via branch teller on XX/XX/24 were from the same employer as the checks that posted to my account previously on XX/XX/24 via branch teller, my account was then transferred back to the executive department to have the hold removed by XX/XX/24. 

As of XX/XX/24 the hold has not been removed from my account even though the deadline to remove the hold was XX/XX/24.
Product: Bank account or service

For almost a year now, Wells Fargo has been reordering my bank charges in order to maximize overdraft fees. In other words, they change the dates on my charges so that they can either charge me overdraft fees, or if I already have an overdraft charge, they will change the dates on my purchases in order to charge me multiple overdraft fees. They will also purposely withhold transactions so that my balance looks higher than it really is. Then, when my balance gets low enough they will process all of the transactions that they withheld causing me multiple overdraft fees. Here 's an example : On XXXX/XXXX/16 I checked my checking balance and it was roughly {$140.00}, so I went and bought a few grocery items that I needed. Now, fast forward to XXXX/XXXX/16. I woke up and saw that my account was overdrawn and there was a new charge on there from XXXX that was n't on there before. It was my cell phone bill that I have on reoccuring auto pay ... .which I admitedly forgot about. However, this charge did not reflext on my balance on my balance until XXXX. There were also XXXX new overdraft charges for the charges I made on XXXX. I called my cell phone privider and talked to a few different people ( including 2 CS Suoervisors ) to see why the charge took 5 days to process and they told me it was my bank who withheld it for 5 days. So basically, Wells Fargo withheld this charge for 5 days and then processed it on XXXX and tyen changed the process date on the charge to XXXX and then retro charged me {$140.00} in overdraft fees. This has happened numerous times over the last 7-8 months and has cost me XXXX ( if not XXXX ) of dollars. It is fraud and I am tired of them taking advantage of me.
Product: Bank account or service

In XXXX 2015, I received a Promotion paper from FIFTH THIRD BANK : basically the promotion was to receive {$200.00} if I open a checking account and set up a direct deposit for more than {$100.00}. I visited one of their offices in XXXX XXXX, FL and I did exactly what they told me to do in order to receive the {$200.00} bonus. I 've been waiting for 90 days ( time they told I have to wait ). I just received yesterday an email from XXXX XXXX ( the office manager ) saying : " After completing my research it shows that the type of account that you opened does not qualify for the bonus ... '' I feel disappointed because I trust them but my feeling are that this is just another false advertising to get people work with the bank without paying any bonuses.
Product: Mortgage

We believe Allied Mortgage Group is running a scam to steal " fees '' from loan applicants and not delivering loans. 
1. We applied for a {$200000.00} re-finance mortgage on a house worth {$600000.00} with Allied Mortgage Group approx early XX/XX/2019. 
2. We submitted, in a timely manner, all income documentation required, W2s, income taxes, pay stubs, ... 
3. Allied set up a home appraisal and charged us {$500.00}. 
4. Allied 's appraiser appraised house in the current condition at {$600000.00}. We are in the process of upgrading the home with some of the updates " in process ''. The appraiser said the value will be higher when our updates are complete. 
5. Allied, XXXX XXXX, told us the mortgage was near completion in early XX/XX/2019 and we'd get our funds by mid XXXX. 
6. Mid XXXX, XXXX said that a deck repair in the front of the house was a " safety issue '' and prevents the closure. The repair cost {$30.00} in material and 2 hours of labor, which is negligible on a {$600000.00} house and has no impact on the appraisal value. 
7. We had to rush ( in the snow ) to complete this repair to satisfy Allied. 
8. Allied then wanted to charge and additional {$200.00} for an appraisal update for this {$30.00} repair. We had already paid {$500.00} for the appraisal and were starting to get the feeling that Allied was running a scam to collect fees from consumers without ever actually issuing any loans 9. I emailed XXXX and told him our concerns about the illegal, non-disclosed fees and our concerns about being scammed for fees and not ever getting the loan we applied for. 
10. XXXX ignored our contacts ( phone, email ). When I was finally able to get him to answer his phone, he was rude, obnoxious and verbally abusive to me and then hung up, very unprofessional and rude. 
11. I tried to get XXXX to roll the additional, undisclosed fees into the loan amount instead of forcing us to pay up front ( for fear that they would collect fees and never deliver the loan ) 12. XXXX cancelled the loan request, but denied refunding the fees we paid them claiming they can keep anything they want. 

XXXX and Allied are basically holding consumers XXXX and forcing them to pay undisclosed fees for trivial reasons. It seems they are scamming people out of fees for profit and not delivering loans. We feel scammed and cheated by Allied Mortgage and the loan officer XXXX. 

The mortgage we applied for is only 1/3 the value of the house we are re-financing. Our income is approximately 6 times the required amount ( per 28 % rule ) for the {$200000.00} loan requested. The only reason Allied declared for refusing the loan is a {$30.00} deck repair ( which is already completed ), and therefore doesn't make sense. 

Allied Mortgage Group XXXX NMLS # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Product: Credit card or prepaid card

Received letter in mail from Citi bank stating that I may have been previously enrolled in credit protection for which I was charged a monthly fee. I did not consent to this program. Called number given on letter and was told to make complaint on line. I have a Customer Reference number Citi Bank sent. It is XXXX Account ending in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX client, XXXX XXXX is a victim of identity theft. A current credit report reveals that a fraudulent application was submitted with his information that resulted in an inquiry XX/XX/2018 with XXXX XXXX XXXX/ Cabela 's that he did not authorize reported to XXXX . My client first contact contacted Cabela 's because he does have a legitimate account however he did not apply for this second one. An official dispute was sent to Cabela 's XX/XX/2018 and as of this date no reply concerning the investigation was received. This is a violation of the FCRA and my clients consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

On numerous occasions, I have contacted   XXXX    & Tr ansUnion to notify them that I am no longer liable for   XXXX    XXXX   XXXX  and requested that they be removed and they have failed to provide any relief. This account was transferred and closed over 2 years ago and I am no longer liable for them. The new creditor  XXXX  is now servicing this loan and reporting it. Furthermore,  XXXX   &  TransUnion continues to allow  XXXX   XXXX  to report information that is not 100 % accurate.  XXXX   XXXX  is reporting that the account is late but there is no balance. This looks as though {$0.00} is late which is incorrect.This information remains to be inconsistent across all  XXXX  bureaus and not 100 % accurate. I received a letter from  XXXX   & T ransUnion stating that they will not re-investigate this erroneous reporting.
Product: Credit reporting or other personal consumer reports

unfortunately, I am a victim of XXXX XXXX of Debt XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6
Product: Credit card

I noticed multiple purchases ( XXXX transactions for a total of {$460.00} ) made at multiple XXXX  stores out of state., They were all in the XXXX XXXX, XXXX  XXXX I live in XXXX  XXXX Transaction were made on my Wells Fargo XXXX XXXX XXXX which was in my possession in XXXX XXXX I reported the transactions as XXXX on XX/XX/XXXX. Wells Fargo denied my claim. The denial reason was that the charges appeared to be legit and made with my physical card ( which was impossible ). I called Wells fargo and asked could I appeal and they said " No ''. The decision is final. I called back on XX/XX/XXXX and asked another customer service agent to appeal the decision and they said they could not appeal, but recommended I call XXXX to get more information about the purchases. On XX/XX/XXXX I called XXXX customer service. They did review of each purchase and found the dates, amounts and locations that were listed on my bank account but could not provide details as the last four of my debit card did not match the card that was used for these purchases ( they suspect someone added my card to a digital pay service ( such as XXXX XXXX  ). The items purchased that matched my transactions were XXXX gifts cards and apple gift cards. They recommend I call local law enforcement to possibly have store footage reviewed.
Product: Checking or savings account

Navy Federal allowed transactions to post to account when i didn't have money to cover. They delayed automatic transfers and caused further fees.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours, stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provide consumers with the necessary proof of investigation.
Product: Debt collection

I asked for a contract proving that these accounts held me contractually liable to pay them. They failed to send any information requested. they only sent a letter stating the amount owed. This in in violation of my consumer rights and the FDCPA/ Federal Rules of Civil procedure. I have contacted this company on numerous occasions requesting that they delete these false accounts. 

I know that the FCRA requires them to have proof the account is mines in order to report it to the bureau. They are reporting this false information.
Product: Payday loan, title loan, personal loan, or advance loan

My account is closed, but I've been making my monthly payments to pay it off. Today should have been my last payment in the amount of {$240.00}. However, when I called in to confirm the payoff amount, I learned the actual balance is {$970.00} which isn't showing on my account online or on the statements. The billing statements are never accurate and does not include the amount paid towards interest or the interest-principal breakdown. I don't know where this other amount is coming from or how it was incurred. When I called the second time on XX/XX/2023, I spoke to XXXX XXXX and asked him to send me an itemization of my account after explaining the issue. He said he didn't know if he could do that and asked if I work with XXXX XXXX. When I told him no and never heard them he told me he'd tell me what the difference is for as soon as he figured it out. I told him I wanted an itemization of my account mailed to me because I have a meeting in a few minutes and couldn't continue to hold. He said in a forceful manner just hold on and I'll tell you then put the call on hold. I had a team meeting at work and had to disconnect. So I sent a certified letter requesting the itemization on XX/XX/2023. I've noticed even after paying the {$1.00} showing for on the account that the payment was accepted and withdrawn from my account, but the amount is still showing due and accruing interest. I'm not sure what they are doing or why they don't want to provide the itemization. The billing practices is questionable and statement are incorrect most days.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  Balance : {$790.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX  Balance : {$1300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5500.00} ; XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX  Balance : {$1900.00} ; XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX  Balance : {$730.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX  Balance : {$1300.00} ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry XXXX XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX.
Product: Credit card or prepaid card

I received a phone call in late XXXX from Macys notifying me that my bill was going to be over 30 days late. I authorized the minimum payment of {$360.00}. On XXXX XXXX I called Macys when I noticed that the XXXX had not cleared my bank. I went to my XXXX XXXX XXXX to confirm whether there was an attempt of this money to clear my account. There is no attempt and there was a significant balance available. My Macys statement shows that Macys tried to run the XXXX through my account ; but they could not and a reversal charge of {$27.00} was added to my account on XXXX XXXX. This is proof that I did authorize Macys to make the payment ; however, it was not processed.
Furthermore, I did not receive a call notifying of the issue. I noticed that it hadnt cleared my bank on XXXX XXXX and called Macys on XXXX XXXX. See my attached phone log. I dont recall the exact conversation but they didnt know why. I informed the person that I would send a payment {$600.00} via bill pay on XXXX XXXX. ( See attached XXXX XXXX payment history ). In this conversation, I asked the person if this would be reported to the credit bureau and she told me, No. Had she stated that it would be reported, I would have dealt with this immediately versus now. It was XXXX XXXX, when I had my credit run when I attempted to refinance my loan and learned of this recent reporting. While it is my responsibility to make timely payments, I made an effort to make a timely payment when youre credit office called me. That failed and I was not notified. I have attached my phone log, my XXXX XXXX XXXX statement for the month of XXXX and my Macys statement to show you that my payment for {$600.00} cleared my bank on XXXX/XXXX/17 and was posted to Macys on XXXX XXXX. This unfortunately is 3 days too late and you reported this to the credit bureau. I am disputing this as, I did attempt to make a timely payment in good faith and gave Macys authorization prior to XXXX XXXX, 2017.
Product: Credit card or prepaid card

I applied for credit cards on credit karma saying I was " pre approved '' when I applied I was denied or was told that I would need to send money for collateral.
Product: Debt collection

They call no stop. I block their number and they call from other numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reviewed my credit report and I found several hard inquiries on my credit report that i do not recognize, without my knowledge, without my consent, and that I did not authorize. I would like for these hard inquiries to be removed and deleted immediately from my credit report thank you. These inquiries that I did not authorize are hurting my credit terribly. 

XX/XX/2022 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or information Any other adverse item Or Information, Other than records Or convictions Or Crimes which antedates the report by more than seven years 15 U.S.. 1681S-2 ( AX1 ) A person shall not tarnish any information relating to a consumer to any consumer reporting agency it the person knows or has reasonable cause to believe that the information is inaccurate
Product: Debt collection

The company was LVNV Funding saying I owe them for something I didn't open
Product: Debt collection

Served Summons and Complaint along with letter from attorneys indicating response is voluntary. It 's very misleading.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Outsourcing 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 instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Product: Payday loan, title loan, or personal loan

On XX/XX/22 I received an alert on my XXXX report for a fraudulent new account with the company moneylion for a loan totaling XXXX XXXX I contacted moneylion to have the account removed and have sent in documentation proving identity theft. I have also reported the identity theft to the FTC. The company has not helpful in removing the account at all
Product: Credit reporting or other personal consumer reports

In accordance with the fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 statesI have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an a open and consumer credit plan as late for any purpose. 

I kindly request the removal of unauthorized inquiries on my credit report 15 USC 1681b ( Permissible Purpose )
Product: Checking or savings account

On the end of XXXX of XXXX, I XXXX XXXX went into my XXXX XXXXXXXX XXXX Wells Fargo branch to inquire on why all my accounts were frozen. I met with supervisor after waiting hours. She ( XXXX XXXX ) was very rude and said that my accounts were going to be closed due to me depositing a third party check. I attempted to explain that I wasn't aware that I couldn't deposit a check written from my company to non profit organization of amount {$200.00}. I ended paying cash and figure i can deposit check into my checking account. Her replied was that since I've been with bank for less than a year, I was not considered priority ( even though I had over an XXXX in my wellsfargo account ) She also stated that unfortunately all my account ( 3 Accounts total of XXXX ) needed to be closed out immediately. I became very apologetic and devastated because that was my primary account and all of my bills were set for auto pay with well fargo accounts. She stated that they couldn't do anything for me and I would need to withdrawl all my money and open up an account elsewhere. She also stated that as of XX/XX/2023 all of my accounts would be closed permanently and I would no longer have online access.
Product: Debt collection

Automated Collection Services, P O Box XXXX, XXXX, TN XXXX XXXX Account # : XXXX has placed on my credit report a bill for {$680.00} that I do not owe. Bill was for XXXX I suffered committed by XXXX, Tennessee, XXXX Department XXXX on XX/XX/2018. I was XXXX, XXXX to contain, medicated, XXXX and taken to a local area hospital inside XXXX, Tennessee. At the onset of the XXXX these XXXX  ' services were unwanted and not needed. 

I do not owe this bill. The city of XXXX, Tennessee should be compensating me for injuries I sustained.