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

I received a XXXX XXXX check from XXXX XXXX which I deposited on XX/XX/2019. PNC. PNC erroneously rejected the XXXX XXXX deposit on XX/XX/XXXX and then had the unmitigated gaul to charge me a {$12.00} service charge on XX/XX/XXXX. I called PNC XX/XX/XXXX and requested a reversal of the {$12.00}. I spoke with PNC rep XXXX XXXX who had no business common sense whatsoever. Instead of reversing the transaction of a 30 years customer with very high balances he chose to not refund my {$12.00} even though he could see the XXXX XXXX check was valid and that the {$12.00} service charge was based on a error by PNC. I want my {$12.00} refund, PNC to be reprimanded and PNC reps to be retrained.
Product: Debt collection

The company refuese to remove the credit line from my credit report. I have paperwork to verify that the company said they will remove the credit line in the month of XX/XX/2018.
Product: Credit reporting or other personal consumer reports

It is incredibly disheartening to find unauthorized inquiries on my credit report today, with no clear reason for their appearance. I routinely check my credit report, but this instance revealed discrepancies that I couldnt resolve by refreshing my browser. The problem persists, and I am requesting an immediate and comprehensive review of the documents I have provided to prevent any further concerns.
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. The following accounts need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Bank account or service

I submitted through JPMorgan Chase a request to pay XXXX XXXX {$20.00} on XXXX XXXX. This request was made through my checking account using online billpay. I have previously made 4 payments to XXXX over the last year and half as he is my newspaper carrier. The address it is sent to is in the city I reside. There has never been a problem until now. On XXXX XXXX I received a notice from Chase saying they had the payment under review for XXXX and would not process until I provided his name, address ( both which they had ) Date of birth, place of birth and nationality. I explained I had no info and he was my newspaper carrier and wanted to know why after paying him for 1.5 years {$20.00} every 4 months this was necessary as I was authorizing this payment and it was being sent XXXX miles from my house as he provided me a service ( delivering me a newspaper ) again no answer was forthcoming and no payment has been sent. I have called Chase 4 timesand received NO satisfaction. I understand the need to guard against money laundering but this is overboard - a repeating minimal payment I 'm authorizing and have authorized in the past which were processed without a problem sent locally feels like Chase is either incompetent or engaging XXXX profiling. I am filing this complaint because I received no answers from Chase after multiple calls and a visit to the branch - the local XXXX, Ca branch attempted to be helpful but were stymied by corporate. Since I have received no satisfaction from Chase regarding this I am filing this complaint.
Product: Debt collection

I requested validation from this company to prove I owe a debt they have been contacting me about. I requested they provide validation NOT verification. I requested proof that they have a right to collect a debt from me, I requested the appropriate balances and fees and a contract bearing my signature to prove the debt is mine. The company has mailed me a letter that appears to be typed because the names do not match, they are spelled incorrectly and most importantly the letter is in VIOLATION OF HIPPA. This company has listed medical procedures/ operations performed which is a violation of HIPPA . I request this company cease reporting to the credit bureaus immediately and provide proof that they will cease reporting to the credit bureau or I will be taking legal actions against this crime.
Product: Checking or savings account

On the night of XXXX into XXXX XX/XX/year>, my wallet was stolen. In my wallet, I had XXXX Wells Fargo debit cards. On XXXX card, a transaction of {$300.00} was administered at a XXXX and posted to my account on XXXX XXXX. On the other, a transaction of {$100.00} was administered at a XXXX and posted to my account on the same day ( XXXX XXXX ). These were not done by me as my cards were stolen XXXX days prior. 

These transactions occurred on XXXX XXXX, but weren't posted until XXXX XXXX. 

On the morning of XXXX XXXX, I submitted a police report to notify authorities that my wallet was stolen with important cards inside ( i.e. drivers license, bank cards, etc. ). 

On the same day ( XXXX XXXX ), I called Wells Fargo to submit a claim that my cards were stolen, had them shut off, and ordered new cards to replace them. I also gave them the police report number. 

Upon receiving a letter from Wells Fargo this XXXX that the account with the charge of {$300.00} was deemed a non-fraudulent charge, I called the number on the letter and asked why. I was told that because the charge was made with a chip ( which my debit cards had ) and that I had been online the day of the transaction that it wasn't deemed a fraudulent charge. 

Wells Fargo proceeded to take the {$300.00} back from my account, which over-drafted my account and left myself and my husband without the funds we were saving for groceries and forcing us to figure something else out. 

I sent the police report to Wells Fargo again on XXXX XXXX in hopes the investigation team could review it and change their decision. On XXXX XXXX, I called again to find out their decision and was told that because the claim was already closed the representative said that there was nothing that could be done. 

When needed, I can provide the account information of the XXXX accounts that were stolen as well as more information on other banking cards that were taken advantage of the same day if that will help with the decision. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Each company is showing Inquiries on my report that are false. I have provided proof and the company who sent furnished the inquiries also reached out to them expressing that they should be removed and they have not yet done so. I have contacted each company as well as place a CFPB complaint on this issue and it has not been removed from my credit reports. I have the exact letter from the furnishing company on what should not be on my reports at all. this is hurting my credit and my opportunities! below are a list of the inquires that should be deleted asap. 

Date in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Equifax credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance Owed : XXXX
Product: Money transfer, virtual currency, or money service

All money transaction on Cash app money money kept going missing for 4 years now sometimes with XXXX  and something with regular transaction
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made payments of {$12.00}, {$40.00}, and {$44.00} totaling XXXX prior to billing date. Grain is reporting XXXX day late payment when payments have been confirmed as received by Grain as listed on billing statement.
Product: Mortgage

In XXXX XXXXXXXX I changed insurance companies, informed Newamerican Funding ( NAF ) of such, providing paid receipts and requested that they eliminate the escrow collection for both homeowners insurance as well as property taxes, both of which I pay directly to the firm or entity. I have, in the last year, received no assistance whatsoever from NAF, and they increased my monthly payment back in XX/XX/XXXX by approximately {$300.00} per month. My insurance agent has asked for assistance in NAF 's elimination of escrow insurance payment due to my self-pay position and has, too, received absolutely no assistance from anyone at NAF. Please help. If this mortgage firm is doing this to me, rest assured they are doing it to potentially hundreds of thousands if not millions of others, which should be criminal on both the local, state and federal levels. From a fiscal perspective, NAF is unnecessarily collecting a total of {$8700.00}, when my TOTAL for taxes AND XXXX XXXX  is {$3300.00} ; NAF is screwing me out of {$5400.00}, which I need for other living expenses but can not have, causing me unnecessary financial stresses and expensed in this truly difficult fiscal time for millions in this country.
Product: Credit reporting, credit repair services, or other personal consumer reports

Knight Adjustment Bureau is reporting an erroneous debt on my credit file. I recently checked my credit and noticed this debt was reporting. I immediately called and settled this debt. I however, never received any calls, notices, or letters from Knight Adjustment Bureau about this debt. This violates my 30 day right to dispute under the FCRA. This must be removed immediately as you violated my rights as a consumer.I am aware that your company has the ability to report this account to the credit bureaus as you deem necessary. Furthermore, you have the ability to remove any accounts since you are the furnisher. I am also aware that while this account is under review you lawfully can not report this on my credit until your investigation is over. If your office continues to report invalidated information to any of the three credit bureaus this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on my credit report by your company I will not hesitate to bringing legal action against you and complain to the Attorney General for the following : Violation of the Fair Debt Collection Practices Act & Defamation of character. During this period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suite XXXX All references to this account must be deleted and completely removed from my credit file and copy of such deletion request shall be sent to me immediately.
Product: Credit card

I recently applied for a Discover card online with my married name XXXX XXXX instead of XXXX. A week later after I was approved, a security hold was placed to verify my identity. As the process, had to request tax verification from the IRS and supply several identity documents ( Marriage license, bank statement, tax returns ) and a notarized statement about myself. This process was rigorous and inconsistent. Last month, I got an e-mail that my account was canceled because I didn't submit my documents. After speaking with the account security team, a statement was sent to them twice and the company canceled the card because they received the same bank statement. I didn't get an e-mail or a phone call about this and I had to call Discover Card weekly and they didn't state any additional updates two weeks before account closure.
Product: Credit reporting or other personal consumer reports

Spoke to someone beginning of XXXX. Was told I would be given a grace period until the end of XXXX. Made payment of XXXX end of XXXX. Account incorrectly showing past due. The represenative said on recorded call I had until end of XXXX. 

The card was for a dillards card issued by wells fargo. I was told the payment I had until the end of XXXX because they were contacting the wrong number. I made the payment the last day in XXXX and it still reported late. I have asked them to remove it to the recorded conversation with the employee and just common courtesy and they have not.
Product: Credit reporting or other personal consumer reports

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

List of Unauthorized Inquiries : 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting Act XXXX  Account name : DEPTEDXXXX, XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

Hello, I find it highly problematic that Citibank is refusing to close client 's credit card accounts. I understand that they are trying to catch up with other big retail banks in the credit card business, but I think their business practises are highly unethical and unprofessional. My detailed experience is as follows. 

I signed up for a Citibank credit card a couple years ago. However, I didn't really like their offerings compared to their competitors, so I rarely used the Citi credit card. Last summer, I noticed a fraudulent activity on that card which prompted me to call Citibank to close my account. However, their customer service staff were extremely resistant with my request. They kept on going in circles asking me why I wanted to close the account and started offering me things I don't need in order to keep my account open. I was in a rush when I called, so I decided not to bother closing it. 

A year later, I decided to call Citibank again to close the account. They did the same tactic where they kept on asking me why I wanted to close the account. I answered, " I don't use your card and I want to close it ''. However, they refused to take that as an answer. They responded : " For compliance reasons, we need to know why you want to close the account ''. I said I already told them why I want to close the account. And then they started offering me 10,000 " ThankYou points '' to prevent me from closing the account. After wasting half an hour of my time, I became very impatient and I had to tell them, this is my account and I have the right to close it. I told them that I would report the to the regulators if they refuse to close my account. Only until then, they closed my account. 

I find their behaviour highly manipulative and unprofessional. I want to bring this to the attention of the regulators, as I think this is highly problematic and I have not experienced similar behaviour from other banks. 

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

Reference ID : XXXX My account has been limited for XXXX with $ {$430.00}. THere is a security feature preventing me from withdrawing funds.I dont have that phone number anymore and can not verify it
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and identity fraud. After reviewing my credit report I noticed the inquries that I did not authorize. 

Chase Bank Usa, N.A Inquiry date : 1. XX/XX/2018 2. XX/XX/2018
Product: Credit reporting, credit repair services, or other personal consumer reports

In a recent disput e. Trans Union stat ed the account were verified. how is this possible?   When the account was purchased by another lender. Which means the original creditor has not legal right to verify anything. What was your Method of verification?
Product: Money transfer, virtual currency, or money service

I am writing this to formally express my concerns regarding Zelles handling of disputes, particularly in the light of the event CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions were unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This last of transparency and accountability is unacceptable and raises serious concerns about consumer safety
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX XXXXXXXX, violated my rights. 


In accordance with the Fair Credit Reporting Act XXXX, XXXX XXXX, 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 states : A consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

At first,  XXXX   XXXX  and  XXXX  put a negative remark on my credit report using all   XXXX   credit bureaus. This was in  XXXX   XXXX . They said that I owed {$300.00} to  XXXX . I had disconnected  XXXX  service effective  XXXX   XXXX . There was nothing owed to  XXXX  I wrote to  XXXX   XXXX  and  XXXX  and they removef the negative remark. The n Conergent Outsourcing collection company came along and added a derogatory remark for the a mount of {$300.00} for the same non-existent  XXXX  bill. I have disputed and  this erroneous bill on my credit report but, it stays there. I also wrote to Convergent Outsourcing about this bill and they did not take it off. Convergent Outsourcing was unable to provide a bill.
Product: Credit reporting or other personal consumer reports

I submitted multiple request for verification of the reported late payments. TransUnion responded with a generic response and failed to provide detailed MOV. 
I've requested TransUnion to confirm the exact source of their verification and provide documentation. TransUnion again failed to provide XXXX  and continued to parrot the same response without providing evidence. 
I filed a CFPB complaint ( # XXXX ) in XX/XX/XXXX, and TransUnion still refused to provide proper documentation or an explanation for why the XXXX late payments remain after the account was paid in full and closed in XX/XX/XXXX. 
Why This is a Violation : 1 Failure to Provide XXXX ( FCRA 611 ( a ) ( 7 ) ) TransUnion is legally required to provide detailed verification, yet they continue sending the same response without documentation. 

2 Metro 2 Compliance Violation Date of Status Conflict Since the Date of Status is XX/XX/XXXX, TransUnion is failing to accurately report the account as fully paid and closed, allowing outdated derogatory marks to unfairly impact my credit score. 

3 Failure to Properly Code Dispute as " In Dispute '' ( XXXX XXXX ) TransUnion is required to mark the account as in dispute during reinvestigation, yet I have no confirmation this was done. 

4 Failure to Conduct a Meaningful Investigation ( FCRA 611 ( b ) ) Because TransUnion has failed to verify the disputed information, it must be deleted immediately.
Product: Debt collection

On XX/XX/2020 at XXXX XXXX I received a call and I answer the incoming call. When I said hello and automated system said sorry about the inconvenience and hung up. After the fact I assume this was to bait me into calling back. I called back and explain to the rep I have a call from the company in the system hung up. She told me they were looking for XXXX XXXX. I said to her how can I help you she began to tell me I had an account in their office and gave me the last four of my social security number. She did not give me the mini XXXX she did not give me the recording call disclaimer and she did not verify for me that I was the party she was looking for before disposing my personal information. I began to write things down and ask her her name and she said it was XXXX. And I said how can I help you what is the account for. At that point it's when she decided she wanted to make sure that I was XXXX XXXX. I told her you already given out my personal information and gave me the last four of my social before you identify who I was so at this point it doesn't really matter. She began to argue with me and tell me no she did not and I said yes ma'am and you did. She told me she was not going to go back and forth with me and ended the call. I called back and spoke to another rep XXXX, who was polite she didplace me on hold before she came back and ask me to verify the last four of my social she repeated it and I confirmed. She then gave me the mini XXXX and the recording call disclaimer and then she went into explain me what the account was for. I told her that I was not paying that debt as it is not something that was mine and I asked her to place me on the Do Not Call list This company also has never sent me a any type of debt validation for me to dispute it
Product: Credit reporting or other personal consumer reports

I had a Citi credit card since XXXX, and actively used it from XXXX to XXXX. However, this card and its usage history is not reported to my credit report ( I checked all 3 major credit bureaus ). Missing this card in my credit report results in a very short credit history ( only 5 month as I moved back to the US for work in XXXX ), which make it impossible to secure my bank mortgage during my property purchase. If this card usage can be correctly reported by Citi, my credit history should be able to trace back to XXXX ( 10+ years so far ). 

I visited Citi financial centers several time. The personal banker can find my old account in their system, but it seems that old account doesn't have my SSN. We guess that is the reason why it was not correctly reported. However, personal banker in Citi financial center can do nothing to correct it. He can only offer me the Citi Credit customer service hotline number. I spent days calling this customer service, and still can not get the problem solved. Each one I talked with transferred me to someone else, but not sure who can solve my specific issue ( it seems not common ). Too much time has been wasted, but there is still no clue. 

For reference, I keep emails of this Citi Credit Card, including monthly bill statements, confirmation of my monthly payment, and others. These could be submitted for reference