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

On XX/XX/2023 I went to the chase bank branch located at XXXX XXXX XXXX XXXX in XXXX, XXXX XXXXXXXX to deposit {$1100.00} into my checking account using the atm. I inserted the money into the depositing part of the atm when the slot began to open and close multiple times before closing and then not even counting the money I deposited. I then got an error message on the screen and and a receipt printed. I checked my account via my app and the {$1100.00} was never deposited. I brought in the receipt slip into the branch where the banker said she had to open a claim and I would have my deposit in exactly 2 hours. This process took 20 minutes and it is has now been 4 hours I still don't have my money. I called customer service and they said it could take 2 days so I requested to speak with manager due to receiving incorrect information who then was very rude and said it could take 10 days to get back and she said " I couldn't do anything about it because federal law is on chase ' side. '' This has never happened to me in my entire life and I want others to be aware of how Chase has treated me throughout this. They never once said sorry and I still don't have my money, it's being held and not returned to me. This feels criminal on Chase banks end.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS INQUIRY IS UNKNOWN, PNC BANK XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Identity Theft Department/Dispute Department RE : FTC : IDENTITY THEFT REPORT # XXXX PNC BANK XXXX XXXX, 2017 Unknown inquiry, please delete
Product: Student loan

My Federal Student Loans have been in deferment since XXXX, since that date Great Lakes has shown numerous late payments on my credit report. Since, my loans are in deferment, this should not be possible.
Product: Credit reporting or other personal consumer reports

I've been disputing some accounts that are being incorrectly reported on my credit file, and the credit bureaus keep verifying my disputes as accurate, but I disagree with my dispute results and am asking for a re-investigation. 15 U.S. Code 1681i - Procedure in case of disputed accuracy is being violated by the way my credit is being reported, and 15 U.S. Code 1681n - Civil liability for willful noncompliance states I am entitled for up {$1000.00} per violation. Also 15 U.S. Code 1692- Congressional findings and declaration of purpose is clearly being violated by the way experian is reporting my credit.
Product: Debt collection

I was contacted in XX/XX/XXXX to collect on a loan originally with XXXX XXXX XXXX. Held as security on said loan was a car that we were riding in when in an accident XX/XX/XXXX. Insurance adjusters deemed the car a total loss.XXXX charged off the balance in XXXX, we were not aware there was a balance remaining after insurance issued payment to XXXX. We received a phone call in XX/XX/XXXX from XXXX XXXX XXXX stating we owed a balance to XXXX  regarding vehicle totaled in XXXX. We made payment arrangements and began repayment on XX/XX/XXXX of {$150.00}. Same amount was paid on or around the XXXX of the month through XX/XX/XXXX. At this time we were in the process of selling our current home and buying a new one and found out that our credit score significantly dropped. It was determined that XXXX XXXX XXXX had transferred our account to XXXX XXXX XXXX. Our credit report revealed that the transfer occurred in XX/XX/XXXX ; however, we had continued to make payments to XXXX XXXX XXXX through XXXX. We were not notified in writing of the new company servicing the debt and the balance did not reflect payments made XXXX - XXXX. We contacted XXXX XXXX immediately to explain the situation and make arrangements to pay the amount in full to improve our credit score so that we could proceed with our new home purchase. To date, our balance has not been adjusted to reflect payments made from XX/XX/XXXX - XX/XX/XXXX despite the fact that proof of payments has been provided. Our credit report still reflects balances owed to both collections agencies, reporting as a duplicate item further impacting our credit score. It is our wish through this dispute to correct the amount owed and obtain a payoff amount so that we can pay the account in full and be assured that this debt will be settled. It is also our request that our credit reports be updated and our credit score adjusted to reflect the payoff as quickly as possible so that our home purchase is not affected.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account from XXXX XXXX on my credit report that is not mine. The only reason I even found out about this account is because I was denied from. getting a personal loan at XXXX today XX/XX/27. I did not open this account and I did not give anyone permission to open this account in my name. I am not affiliated to this company in any way nor did I benefit anything as a result of this account such as money, goods, services or any other benefit nor did I ever make any payments that might have been made towards this account. I have already filed a police report regarding this unauthorized account.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

This company, Resurgent Capital Services/LVNV Funding, is practicing unfair, deceptive and misleading practices. They are in the business of selling and obtaining personal information which is an infringement of my right to privacy under Chapter 41 Title 15. Other violations include harassment, unfair, deceptive and misleading practices under Title 15 USC 1692. I've noted 18+ violations in the form of an Affidavit of Fact and this company is required to respond with an Affidavit rebutted line by line and a sworn statement signed under the penalty of perjury. This company has not done so because they are aware of their illegal practices. Florida State of attorney general is put on notice of further violations under Florida Statute Title 33 chapter 559 prohibited practices.
Product: Credit reporting or other personal consumer reports

I found accounts on my credit report that I do not recognize and believe they may result from fraud or identity theft.
Product: Student loan

On XX/XX/XXXX I was determined by the US department of education to be eligible for PSLF on all my loans serviced with Mohela based on XXXX payments for the public service forgiveness loan. Mohela said XXXX of the loans are not eligible that the US department of education already stated that they are. Mohela says I still owe on the loan from XX/XX/XXXX subsidized {$4700.00} and XX/XX/XXXX subsidized loan of {$4600.00}. When I contacted Mohela they said these loans were private loans- they are not- and they are not eligible. Mohela needs to uphold what the US department of education has already approved!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reached out to caliber home loans with the hopes that they could help me on numerous occasions to no avail. I attempted over the course of the last few months to get in contact with someone, but it wasn't until earlier this month of XXXX that I was able to get in contact with a gentleman. I called due to a financial situation my husband and I was having due to several break ins in our properties that affected my husband and I tremendously. We were late on a payment in XXXX inadvertently which was our first ever being late in the XXXX that we have been with Caliber home loans. I explained my situation to the gentleman and asked if they would " out of good faith '' report our XXXX payment being on time due to us being caught up and never having a late payment before. He said that it was absolutely nothing he could do. I told him that I could provide police reports or documentation showing why we had been late and that we had never been before, but he again said it was nothing he could do. The payment was late in XXXX, but reflects we were late in XXXX which is inaccurate. I am asking please out of good faith or even if I must pay that someone understands our situation. Due to the unfortunate situation with multiple break-ins and everything stolen it put us behind on all our bills. We are now caught up with all of them. We are praying that Caliber would be willing to please understand our situation as it was unforeseen and would take inconsideration into reflecting on our credit reports that we paid on time. This has dropped my credit score over XXXX from XXXX late payment, which I have no other late payments or anything on my credit report. I can no longer refinance my XXXX properties that were due to be refinanced this month due to the significant change in my credit score but also the negative late payment from caliber.
Product: Credit card or prepaid card

Card issuer not crediting funds provided by the merchant. 

Credit issued by XXXX XXXX for {$14.00}. 

It was never placed on customer card.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

UNAUTHORIZED INQUIRIES : XXXX XXXX  XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Mortgage

My loan payoff was requested on XX/XX/XXXX, per the customer service rep with Oceanside Mortgage Company -- XXXX XXXX XXXX I spoke with on XX/XX/XXXX there was a 10 day hold placed on the account so no payments would be sent out. Only XX/XX/XXXX an insurance premium payment was sent out for {$470.00}. This does not align with the 10 day " hold '' that my account was placed on. I sold my home, closing date on XX/XX/XXXX and received the profit the same day via check. The customer service rep stated that my account was closed on XX/XX/XXXX. On XX/XX/XXXX another payment was made for {$410.00} to pay my MIP insurance to XXXX XXXX, per the same customer service rep XX/XX/XXXX. I requested a copy of the MIP statement to see proof that payment was in fact necessary and owed and was refused a copy, stating it was electronic and not something they received or could look at to reference. The balance of my escrow account belongs to me and the insurance payment should not have been made as the account was on " hold '' from the payoff request. After requesting the refund of the escrow balance I was also refused a copy of the bill they received in XX/XX/XXXX and were required by law to pay to XXXX XXXX for the MIP. The only thing they would provide me was a copy of the Underwriting paperwork that was created when I bought the home in XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX # XXXX  XXXX, CT XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : {$4900.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$220.00} XXXX XXXX Balance : {$58.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX A XXXX XXXX XXXX ) XXXX Balance : {$890.00}
Product: Credit reporting or other personal consumer reports

PayPal credit line was opened on my PayPal account I had reported to PayPal about this but it was not fixed need to remove credit line and close account. Asap
Product: Mortgage

On XX/XX/2023 I informed CHFA that I had made multiple calls and left a message with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX with no responses and no returned calls. On XX/XX/2023 ( XXXX ; XXXX ; and at XXXX ) I made three separate calls to XXXXXXXX XXXX XXXX choosing a different option each time as their system doesn't allow voicemails instead their system hangs up on callers. The third time I called i was able to leave a message and my call and message was never returned, this is when i reached out to the loss mitigation department in an effort to find a solution and know my options for not losing my home. On XX/XX/2023 ( XXXX ) I contacted the loss mitigation department in an effort to get an updated mortgage statement, which was necessary for my application for mortgage assistance. On XX/XX/2023 I was notified that they ( CHFA ) was unable to give me any information on my account or answer any questions I was informed that my lawyer would need to contact their lawyer for any and everything I may need. I asked why and I was told that they were unable to tell me anything I repeatedly informed them that I did not have a lawyer nor had I ever had a lawyer. She looked into my account further and then repeated that something I or my husband had done caused the note on my account that they were unable to give me any information pertaining to my account including my most recent and/or updated mortgage statement. On XX/XX/2023 I contacted a supervisor ( XXXX ) at XXXX XXXX XXXX and left a message stating i needed an updated mortgage statement and i had been unable to receive that from CHFA, i have yet to get a return call or my mortgage statements
Product: Credit reporting or other personal consumer reports

To Whom It May Concern at the Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against Equifax regarding unauthorized credit inquiries that have appeared on my credit report. After reviewing my recent report, I identified several inquiries that I did not authorize and have no knowledge of. Despite contacting Equifax to resolve this matter, these inquiries remain on my report, causing significant frustration. 

The unauthorized inquiries in question are as follows : XXXX XXXX XXXX XXXX XXXX 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/year> XXXX XXXX XXXXXX/XX/year> Attached to this complaint is an Identity Theft Report filed with the Federal Trade Commission ( FTC ). This report, along with the corresponding case number, supports my claim regarding the unauthorized credit inquiries on my credit report. I kindly request that the necessary steps be taken to address this issue in accordance with the Fair Credit Reporting Act ( FCRA ). I appreciate your prompt attention and review of this document as part of the investigation.

I believe Equifax has violated the Fair Credit Reporting Act ( FCRA ) by failing to properly investigate and remove these inquiries from my credit report, even after I brought the issue to their attention. The sections of the FCRA that support my claim are : Section 611 ( 15 U.S.C. 1681i ), which outlines my right to dispute inaccurate or incomplete information. I have disputed these inquiries, but Equifax has not conducted a satisfactory investigation.

Section 609 ( 15 U.S.C. 1681g ), which grants me the right to access my file. Upon reviewing this information, I confirmed that I never authorized these inquiries.

Section 604 ( 15 U.S.C. 1681b ), which details the permissible purposes for credit report inquiries. I did not give consent for these inquiries, and Equifax has not provided evidence of a valid reason for them.

Despite my efforts to resolve this directly with Equifax, these unauthorized inquiries continue to negatively impact my credit report. I request that the CFPB intervene to ensure Equifax fulfills its legal obligations under the FCRA by removing the unauthorized inquiries and providing me with an updated credit report.

I appreciate your prompt attention to this matter, and I am happy to provide any additional information needed for your investigation.
Product: Checking or savings account

The problem is, PNC does not keep up daily accounts of transactions and sometimes, the amount says one thing, but the actual amount is another, less. Then I spend the money that says I have " available '' in the account only to find there are overages. 

Now, I have asked on several occasions for them to return charges of {$36.00} each, this time twice adding to {$72.00}, but they refuse. 

I have asked them to put into writing their side of the story, but they refuse, obviously because the company knows they are perpetrating fraud. 

Since XXXX of XXXX, the United States has made it possible for banks to carry 0 funds to cover transactions. 

The fraud comes in because the banks did not notify me that there are no actual money transactions being made, but only by computer, so in effect, there were never any overages to my account, because they did not have the money to back my supposed negative balance. 

They have never informed me of this situation, never disclosed there is no money exchanged between parties, which constitutes fraud. 

I have these two as examples of this situation and have others adding up to over {$900.00} since being a customer of PNC. 


As you can see by PNC 's own admission, they state that if the account is overdrawn and they have to " Pay, '' is fraud because they are not paying anything. They are not using money, only electronic means, no actual money is necessary in the bank to pay a debt that supposedly exists. 

The admission they are paying is fraud. Their wording, not mine. PNC has never, not once enclosed this information to me, their client.
Product: Credit reporting or other personal consumer reports

I DONT AUTHORIZE THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

This complaint is about Check Into Cash on XXXX XXXX XXXX in XXXX, TN. I had a payday loan with the company and then lost my job. Well, even though I got behind, I told them that I wasnt working and would be sure to pay it once I was working again and got caught up. I revoked their right to ACH my account, however, on Tuesday, XX/XX/XXXX, I woke up to being - {$290.00} in my bank account from where they took the payment out. I wasnt mad. I knew I was behind and that I was due. The next day, I checked my bank account, looked at my statement, PRINTED IT OFF, took it up there, showed them where it had cleared leaving me negative and rewrote my loan because I had to pay my electricity or it would be cut off the following morning and my gas light came on that morning. 
My bank ended up RETURNING the fee to them the following morning, Friday, XX/XX/XXXX, 48 hours  after theyd pulled it out. Today is Saturday, XX/XX/XXXX and I have since received 7 calls from them since I told them on the phone that I wouldnt be able to take care of that until I get paid on Wednesday, XX/XX/XXXX. They are harassing me. Only leaving one voicemail per day, but calling between 5-7 times per day. 
I work in XXXX. I give installment loans and we do our own collections until a customer is charged off. Our regulations in MY company and every company Ive worked for is that you can NOT harass a customer ESPECIALLY if youve already spoken to them. It is XXXX and Ive received 6 calls on a SATURDAY. 
This is definitely harassment.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information reported on my credit report concerning a XXXX Below are the details of the account in question : Creditor Name : XXXX XXXX Account Number : XXXX It has come to my attention that this XXXX is being reported repeatedly XXXX, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a XXXX should be reported only XXXX, reflecting the date it was XXXX XXXX. 

Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous XXXX  reporting of this XXXX misrepresents my payment history and negatively impacts my credit score. 
Furthermore, the statute of limitations for reporting a XXXX  is XXXX years from the date of the initial delinquency that led to the XXXX ( 15 U.S.C. 1681c ( a ) ( 4 ) ). 
Repeatedly reporting this XXXX as a new event each XXXX  does not reflect the statute of limitations and is therefore improper. 

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the XXXX from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've spoken with  XXXX  by phone and also sent them a certified letter about removing my hard inquiries because some of my inquiries were removed and then reinserted later. Others I 've explained that the inquiries were not authorized by me but they still remained as well. I would like all of these to be removed.     Credit Inquiries   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , DE  XXXX  (  XXXX  )  XXXX  Inquiry Date :  XXXX   XXXX ,  XXXX    XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , DE  XXXX  (  XXXX  )  XXXX  Inquiry Date :  XXXX   XXXX ,  XXXX    XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , DE  XXXX  (  XXXX  )  XXXX  Inquiry Date :  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  (  XXXX  )  XXXX  Inquiry Date :  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  (  XXXX  )  XXXX  Inquiry Date :  XXXX   XXXX ,  XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , PA  XXXX  (  XXXX  )  XXXX  Inquiry Date :  XXXX   XXXX ,  XXXX   XXXX   XXXX  CO  XXXX   XXXX   XXXX   XXXX   XXXX , VA  XXXX  (  XXXX  )  XXXX  Inquiry Date :  XXXX   XXXX ,  XXXX    XXXX   XXXX    DELAWARE   XXXX   XXXX   XXXX    XXXX , DE  XXXX  (  XXXX  )  XXXX  Inquiry Date :  XXXX   XXXX ,  XXXX     XXXX   XXXX   XXXX      XXXX   XXXX   XXXX    XXXX , DE  XXXX  (  XXXX  )  XXXX  Inquiry Date :  XXXX   XXXX ,  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , UT  XXXX  (  XXXX  )  XXXX  Inquiry Date :  XXXX   XXXX ,  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , UT  XXXX  (  XXXX  )  XXXX  Inquiry Date :  XXXX   XXXX ,  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , UT  XXXX  (  XXXX  )  XXXX    XXXX   XXXX    XXXX   XXXX   XXXX   XXXX , VA  XXXX  (  XXXX  )  XXXX  Inquiry Date :  XXXX   XXXX ,  XXXX      XXXX   XXXX    XXXX   XXXX   XXXX   XXXX , VA  XXXX  (  XXXX  )  XXXX  Inquiry Date :  XXXX   XXXX ,  XXXX    XXXX   XXXX    XXXX   XXXX   XXXX   XXXX , VA  XXXX  (  XXXX  )  XXXX  Inquiry Date :  XXXX   XXXX ,  XXXX