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

On XX/XX/XXXX, I opened a CD account with XXXXXXXX XXXX  online. {$210000.00} money transfer was initiated to be transferred from PNC Bank to XXXX XXXX I called PNC to confirm the transfer was going from my account to XXXX 

On XX/XX/XXXX, XXXX fraud department notified me that PNC placed an alert on the transfer and demanded the money to be returned. I called PNC, got hung up 3x, and spent 3 hours on the phone trying to get help. PNC customer service couldn't connect with their own ACH department. A dispute was filed. 

On XX/XX/XXXX, I found out from XXXX  that PNC sent the money under account # XXXX. That's not my account. I called PNC was told not to worry since a dispute was already filed. I called PNC again on XX/XX/XXXX to report this issue because I think this is important info. I was told to call back on XX/XX/XXXX so I can speak with the dispute team. 

I called PNC on XX/XX/XXXX and was told that the dispute team doesn't speak with customer service. The PNC customer service representative was able to speak with the XXXX department. I was told that someone should have placed a stop payment or a reverse transaction request on XX/XX/XXXX, but it's not too late to place such an order on XX/XX/XXXX because there's XXXX business days wait time for money transfer. So, my case was escalated. Instead of having to wait XXXX business days, my case would be resolved within 1-3 business days. 

I called PNC on XX/XX/XXXX for an update and was told a different story. I was told that I need to wait for 10 days. I asked to speak with a manager. A manager called me on XX/XX/XXXX and told me that there's nothing customer service can do for me, ACH department is the one who deals with this issue. However, I'm not allowed to speak with the ACH department. I asked for the resolution team. 

On XX/XX/XXXX, I called the PNC fraud department to report this case. There's a possibility that someone at PNC is trying to steal money from my account ( sent money under the wrong account and demanded money back. The returned money is going to account # XXXX, not my account # XXXX ). The PNC fraud department couldn't do anything. They escalated my complaint to an executive team. 

On XX/XX/XXXX, XXXX from the executive team ( XXXX ) called me. He asked me to get the ACH tracing/tracking number from XXXX Bank to prove that they sent the money back to PNC. I spent 2 hours, got the info and conveyed it to XXXX. He told me that with this tracking number, PNC Bank should be able to confirm that the money is returned. I should be able to get my money back by Monday. 

On XXXX, I still don't have my money back. I called XXXX for an update. He changed his narrative and told me that the case takes 10 business days. I just need to wait. 

PNC Bank is giving me the run arounds. I was giving conflicting information. I'm not getting any help. PNC Bank needs to return my money. I need help. Please help me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX offered to my daughter the computer and claimed that I get it in XXXX payments. Since she is the one paying for it and going to college, I helped her letting she use my card. Now I got hit by XXXX points on my XXXX XXXX. XXXX and the XXXX  Card should never let it goes through without increasing my limit. Thats what I tough it would happen since I have many other credit cards with a higher limit. Sad. Not fair because I work really hard to have a good credit and this will affect it.
Product: Credit reporting or other personal consumer reports

I sent a certified letter to Equifax asking them to Delete the misleading and info on my credit Report. Per the Federal Consumer protection laws. 15 U.S.C. & 1681c, 15 U.S.C & 168-e, and 1681i. 
I wanted those items investigated and Deleted XXXX XXXX XXXX whos is a collection co and XXXX  XXXX XXXX which Is a collection company, Ibsck in XXXX of XXXX I sent to both the collection company a debt validation letter, they never sent me back documents and sug authorization proving the account was mine. 

So my next step was to ask Equifax to delete the info from my credit report, they sent me back a new credit report file no. XXXX on XX/XX/XXXX they investigated and it is still on my report not deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 's client XXXX XXXX is a victim of identity theft. Someone used her information to apply for an account with XXXX/PayPal without her consent. The account was established ( acct # XXXX ) and a formal dispute of this account was mailed to XXXX/PayPal XX/XX/2018, certified mail with return receipt. XXXX/PayPal received this dispute information however as of this date has failed to return a reply concerning the outcome of the investigation as outlined under the FCRA sec 605-611 which is a violation of my clients federal consumer rights.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act, under 15 U.S.C. 1681, Section 602 ( a ), mandates that consumer reporting agencies like Experian, XXXX, and XXXX uphold their significant duties in a manner that is fair, impartial, and mindful of a consumer 's right to privacy. As the Consumer, I am entitled to ensure that my personal data remains confidential, a right supported by 15 U.S.C. 6801, which articulates Congress 's stance that financial institutions must actively and continuously honor their customers ' privacy and secure their sensitive personal information.

The entity providing information to credit agencies qualifies as a financial institution according to this statute. Furthermore, 15 U.S.C. 1681, Section 604 ( a ) ( 2 ) clarifies that a consumer reporting agency may only provide a consumer report when explicitly authorized by the consumer 's written consent. Neither Experian, XXXX, XXXX, nor the furnisher of information to these agencies possesses my permission written or otherwise to disseminate my information. 

I hereby revoke all forms of consent previously given to Experian and the furnisher of information to credit agencies, be it verbal, non-verbal, written, implied, or otherwise. According to 15 U.S.C. 6802 ( b ) ( c ), a financial institution is prohibited from disclosing a consumer 's nonpublic personal information to unrelated third parties without first informing the consumer of their right to opt out of such disclosure, which I was never informed of.

Moreover, 15 U.S.C. 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from reporting any adverse information older than seven years, with certain exceptions. The adverse account they are reporting does not have my consent and is, therefore, unlawful.

In addition, 15 U.S.C. 1681s-2 ( A ) ( 1 ) stipulates that no one may provide information to a consumer reporting agency if they know or suspect it to be inaccurate. 15 U.S.C. 1681e requires these agencies to implement reasonable procedures to prevent violations and restrict report furnishing to authorized purposes, which Experian is failing to do.

Lastly, as per 12 CFR 1016.7, I have the perpetual right to opt out, which I am exercising now by opting out of your reporting services.is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Experian is not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. ''
Product: Checking or savings account

My complaint is against my Bank, Ally Bank. And also XXXX XXXX XXXX. They have not refunded my money for forged and illegally cashed checks. 

My first complaint to Ally occurred XX/XX/XXXX. Each time I call them for an update, they tell me they cant give me my money back. 

I wrote XXXX checks that were stolen from a local mailbox ( I did file a police report ) and the person washed the checks, forged a different name, and they were cashed illegally and funds withdrawn from my checking account totaling {$6700.00}. 

The first check was mailed XX/XX/XXXX for the amount {$2200.00}. It was written to the photographer for my wedding. 

The second check was mailed XX/XX/XXXX for the amount of {$4400.00}. It was written to the catering company for my wedding. 

On XX/XX/XXXX, I discovered the checks were washed and cashed illegally when my catering company asked where their check was. I immediately contacted the police and then called Ally Bank. Ally required I fill out XXXX forms and get them notarized ( which cost me over {$30.00} ) Ally received all required information to get my money refunded no later than XXXX weeks from XX/XX/XXXX. 

As of today, I still havent received my money. Ally is claiming they are asking XXXX XXXX XXXX to research it, then refund Ally, and then I can get my money once Ally is refunded. Ive been very patient, but since Ally allowed my funds to get withdrawn, I hold them accountable and liable for this situation. The checks were obviously forged, yet Ally gave my money to XXXX XXXX XXXXXXXX. It is clear that neither bank has proper policies in place that verify checks arent forged before cashing them. 

Anything you can do to help me get my money would be greatly appreciated. 

Thank you, XXXX XXXX
Product: Credit card

I have a XXXX Credit Card that I use once, maybe twice a year. I recently learned that although I had paid my account balance in full after my last purchase, I had several late charges on my account and my account was past due. 

The reason for my delinquent account was that, without any notification, XXXX had been charging me a monthly " minimum interest charge '' of {$2.00} ( their defacto interest charge on a XXXX balance ). Each month I was not aware of this {$2.00} balance, they were charging me an additional {$27.00} late fee on top of the {$2.00} balance. My account is now 3 months past due and I 'm afraid that this nonsense will negatively impact my credit score. 

To me, this is an extremely devious trick and practices like these should result in a company being fined or punished. The entire concept of an " interest rate '' is dependent on a principle balance. Without a principle, THERE 'S NO INTEREST! Completely unacceptable business practice. 

Thank you for taking the time to read my complaint. 

XXXX XXXX XXXX XXXXXXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Wfds XXXX, NC XXXX ( XXXX ) XXXX The Wells Fargo Dealer Services is reflecting on my credit report as a hard inquiry. I have not spoke to, inquired nor discussed any attempt to obtain any services through the Wells Fargo Dealer Services. 

WFDS has no cause, right or permission to gain access or obtain any financial reporting information from my credit report and this inquiry is unsubstantiated.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and correct them immediately in my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a complaint asking to correct misinformation. my mortgage original loan amount was $ XXXX the credit reporting agency has it at $ XXXX. i have pain down $ XXXX. TO THE TUNE OF NOW $ XXXX ( XXXX is non interest baring, deferred ). so the credit reporting agency is reporting approximately $ XXXX and a XXXX balloon and that is not correct, they are also reporting the origianl loan amount was $ XXXX approxiately - that is not correct it was $ XXXX. Its not that complicated XXXX had my loan and the original loan amount was $ XXXX then Rushmore changed it to inaccurate reflection. this problem is that it lowers my score because it looks like i have not paid down a loan that ive hade since XXXX and I did. ALSO why is Rushmore reporting payments for a time thety did not service my loan. they obtained servicing rights XX/XX/XXXX first payment date to Rushmore and months later they are reporting payments for XXXX and they have no idea that they can not report on servicing when they have not been assigned servicing rights. Also. how are the acting as a servicer of my loan when there NO original NOTE. Anywhere.. My understanding is that in order for a servicer to collect payments and service a loan there must be an Original note, not a copy of a note but the original note. I have research through much time and throughout the industry .... there is no original note. therefore collections of payments, collections, preforclosure, foreclosure if done is not in compliance. There is a very good reason why original not is required to protect mortgagor and Mortgagee. If original note is not held thean anyone that has the original note can collect of the full amount of that note. thats why the origianl note must be in place to collect and service mortgage payments. Or there is a flaw in securing a property. as I see it without haveing the original note ... these paymemts are being collected without merrit and possibly without Legal right ( without predjudice )
Product: Credit reporting or other personal consumer reports

Hi CFPB, I need help documenting TransUnions negligence in how they process disputes, resulting in incorrect public records on my credit report. TransUnion blatantly ignores consumers ' rights under the Fair Credit Reporting Act ( FCRA ) * ( 15 U.S. Code 1681 ) by failing to ensure the accuracy of their reporting and not conducting proper investigations when disputes are raised.

Under the FCRA, TransUnion is legally obligated to : - Follow reasonable procedures to ensure maximum possible accuracy of the information in credit reports ( 1681e ( b ) ).

- **Investigate disputes** within 30 days of receipt and correct any errors if an inaccuracy is found ( 1681i ).

- Provide consumers with the results of the reinvestigation within 5 business days of its completion ( 1681i ( a ) ( 6 ) ). 
Despite these clear legal requirements, TransUnion has **negligently** failed to comply. 

I have repeatedly attempted to resolve a dispute, only for TransUnion to recycle the same flawed dispute results rather than conducting a legitimate investigation. As a consumer, I am entitled to a thorough and proper investigation into incorrect information on my credit report. It is impossible for TransUnion to have completed a real investigation within mere hours, yet they consistently return a decision in that timeframe. This **negligence** is a direct violation of the FCRA. 

Specifically, I submitted a dispute regarding a bankruptcy inaccurately listed on my credit profile, which belongs to a family member with a similar name and Social Security number. Despite this clear error, TransUnion has **failed to properly investigate** the issue, leaving the incorrect record on my report. Under 1681i, they are required to conduct a reasonable reinvestigation into disputed information, which they have **negligently** failed to do. 

TransUnions **negligence** in failing to follow these FCRA-mandated procedures has caused me financial harm, and I believe their actions represent a violation of consumer rights. I request that you sue TransUnion for their **negligent practices**, which affect not only me but likely many other consumers. I intend to submit a complaint every month until this error is corrected, and I hope that other affected individuals will come forward to expose how TransUnions **negligence** has harmed them as well. 

Thank you for your time and attention to this matter. 

XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

In XXXX, I opened an account with the Gemini crypto exchange. On XX/XX/2024 XXXX Gemini verified my identity and I funded my account with {$5000.00}. I purchased some coins and later wanted to withdraw some of my initial investment to purchase coins on another exchange. 

When I logged in to my account on XX/XX/XXXX, I discovered I couldn't withdraw money. This started a chain of emails and actions that asked me to revalidate my identity. 

Gemini XXXX asked me to re-validate my identity with photos of my face and my driver 's license. If I didn't respond to their follow-up emails within XXXX hours, they asked me to go through the security check process again. I was required to submit images of my face and driver 's license XXXX times. In another email from Gemini XXXX, I was required to answer several security questions. 

I continued to receive emails from Gemini, saying that they were working to resolve the issue. I've kept replying, requesting that they resolve this issue once and for all. 
They have given me no reason as to why I can not withdraw my money from my account. 

Gemini XXXX 's ticket for my case is numbered XXXX. 

My account remains locked today. I can buy and sell coins, but I can not withdraw funds to transfer to my bank account. 

While I sincerely appreciate Gemini 's stringent security protocols, it makes no sense that I can not withdraw money from my account, especially after I purchased coins from their exchange. I use other exchanges that provide easier secure access to funding accounts and withdrawing money from them. 

Please encourage Gemini to help me resolve this matter. 

Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

N26 bank has frozen my account with about {$17000.00} on it. Nobody in the bank can provide any information or timeline, it has been 3 weeks and this is causing severe consequences as this is a significant portion of my funds. 

I've opened an account in the beginning of XXXX following identity verification. I have received a paycheck and relocation allowance from my employer who is a large tech company. After attempting an ACH transfer to my linked external account with XXXX ( in my name ), the bank has declined this operation and has frozen my account without notice. 

I've spent countless hours on the phone offering to provide any documentation regarding transactions, but they would not request anything, not provide any timelines on when I might be able to use my money again. There is no one I can speak to regarding this issue at all.
Product: Mortgage

I applied for a loan in XXXX of 2016. I was denied due to excessive DTI. I found out less than 2 weeks ago that my former employer, BOKF is the issue behind the high ratio they issued an incorrect breakdown of my income. I found this because I have reapplied and the current verification of income from BOKF is still showing an incorrect amount of commissions. They are now refusing to complete the VOE correctly despite agreeing that my contract clearly shows all advances and hourly wages are recoverable. Anything recovered by commission is commission. The reason this is so important is two fold ; 1. commissioned income is averaged over the prior 2 years. Any base received is excluded from that average ... ..and 2. the incorrect voe sent for the application in XXXX caused the excessive ratio and that is the report filed with XXXX creating a Credit Sanction Alert. I can not get a new loan unless the current UW can show how they overcame the previous ratio issue. I have spoken with an HR BOKF employee, escalated the problem to the HR manager, contacted the in house recruiter who negotiated my contract and finally emailed the director of BOKF HR and getting no where. I have attached the conversations, my contract and the recent VOES ( which do n't even match each other ). I have asked for the breakdown to be corrected for the past 2 weeks as my rate lock is nearing its end. This is a major problem as my current note is due and costing me 1 % of the loan amount as I carry it over the due date. I need this addressed asap please and thanks
Product: Credit card or prepaid card

FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called multiple time they didn't Wana help me as they should
Product: Payday loan, title loan, or personal loan

I went to a loan place in XXXXXXXX Georgia Credit central they said they don't go by credit and then the man XXXX never calls me back to let me know anything when I called he said they're refusing my to get an emergency funds because of XXXX  XXXX in Georgia last year I had a loan and I didn't get to pay them back
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting on a debt that I do not owe! This debt has been paid and it needs to be fixed on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I pulled my consumer report and noticed that RESURGENT/LVNV FUNDING is furnishing negative information to the consumer reporting agencies. I am aware that as a consumer I have the RIGHT for my information to not be displayed. I also did not give permission for RESURGENT/LVNV FUNDING to furnish any information on my reports. Also the timing of these payments reported are inaccurate and should not be displayed as past due or in collections. This is a direct violation under 15. U. S. Code 1666b. Please be advised that my consumer should be equitable to me at all times. I would like for RESURGENT/LVNV FUNDING to cease all communication regarding this alleged debt. A Cease and desist letter is attached to this report. I also am exercising my rights refusing to pay this alleged debt that was parked on my consumer report.
Product: Credit card

I had autopay set up for my credit card with Wells Fargo and they randomly cancelled it last month, so I missed the payment and then they charged me a late fee. I tried to call, but always have to wait on hold too long and they don't have a way to contact them via secure messaging. On XXXX, I received an email saying I had deleted my autopay, but I did not do this and did not see the email. On XXXX, I was charged a {$29.00} late fee.
Product: Credit reporting

I HAVE RECIVED LETTERS IN THE MAIL REGARDING A TAG FOR A CAR. STATING THE CAR TAGS ARE GOING TO EXPIRE AND THAT I HAVE TO RENEW. I DO N'T OWN A CAR.