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

On XX/XX/2021 I closed my checking and savings accounts with PNC Bank. I authorized a check in the amount of my full remaining balance to be mailed to my home, as well as all sufficient paperwork that explicity states that the accounts are closed. I received all of that, the check was in the correct amount, and I also received a final statement that shows a balance of {$0.00}. 

On XX/XX/2021, I received an email from PNC Bank with a warning my checking account was overdrawn. I was able to log in to my online banking XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I saw that PNC had charged me a month service fee of {$13.00}, which is issued for not having the minimum balance in the checking account ( {$500.00} ). Of course I wouldn't have a minimum balance because the account was closed on XX/XX/2021. However, the online statement showed a balance of {$0.00} on XX/XX/2021 -- XXXX days after my account was closed, with the memo " Interest payment ''. 

I called a local PNC branch and the banker could not provide an explanation as to why there was XXXX XXXX put into my account, and why it was still opened. He issued me a check for the XXXX and ensured that the account was now closed. I asked for him to send a paper document to my home that would confirm the new closure of my account, but he said that they don't have anything. 

I think it needs to be investigated as to why my account was reopened with XXXX XXXX in order for PNC to charge fees. There should have not been an interest payment because the account was closed and there was no money in it for them to even issue interest in the first place.
Product: Checking or savings account

I was about to place an order so I went to my navy federal account to unfreeze my card and I could not, kept getting message We're having trouble displaying your information. Please try again later. This started at XXXX. I kept trying over and over then I went on the website at XXXXXXXX XXXX and the website showed an exclamation mark with no message and would not let me unfreeze my card as well. At XXXX I called navy federal automatic line and the system could not unfreeze my card. I waited for a call back from a agent and the agent called back and I spoke with them at XXXX XXXX  and they told me they could not unfreeze my card as well that it was a system issue that not even their system could unfreeze my card so I asked her ( the agent ) is she saying there is no way I can access my money? Why? And when will this be fixed? The agent said yes she is saying I can not access my money until they fix their system issue but they have no estimated repair time and were told to just apologize to customers. This is the 2nd time I have had an issue accessing my money with navy federal. This should be against the law it has been over 30 minutes and I still have no access to my money.
Product: Debt collection

Around XX/XX/XXXX, I received a phone call from Collections, Inc. ( XXXX was the name I was given ). I discussed with her via phone call about an outstanding medical debt that she says was from XXXX and XXXX. She claimed I had a defaulted payment agreement with the hospital but I've never set up a payment plan with the hospital. She threatened to garnish my wages and even called my jobs two days later to verify I worked there. I answered the work phone and then called her back on my cell phone. That same day, a payment agreement was met between myself and Collections , Inc via phone call with XXXX. She advised that in XXXX I would make a payment on XX/XX/XXXX ( my payday ) and every payday thereafter until my balance was paid in full in the amount of {$170.00} per payment. I agreed to this. On XX/XX/XXXX, a payment was drafted in the amount of {$170.00} and I assumed all was good. On XX/XX/XXXX, when the second payment was set to be drafted, she called and advised I was in default of my payment agreement because I had not made a second payment in XXXX. I then discussed with her via a recorded call on my cell phone how I was advised I would make these payments on each and every payday until the balance was paid in full. I was still authorizing the {$170.00} to be paid on XX/XX/XXXX, but I could not double up as I had not been prepared to do so. She advised I was then defaulted and fees and garnishment would continue. I asked how can you default a payment agreement when you are agreeing to pay what you owe on the dates previously agreed upon. She stumbled over words and I asked if this statement about me having to make a second payment in XXXX was recorded and she said " It's in my notes. '' I asked if it was recorded and she replied, " No, we do not record phone calls, we would be required to tell you if we did. '' I said, " Okay, that's fine because I am recording this phone call for my records. '' She immediately replied, " Then we can no longer speak, have a great day. '' and disconnected the call. I do not understand how this is legal debt collection practice when they have no agreement from anyone in writing or via recorded call and when you try to make it right, they refuse to work with anything you offer unless it's what they want.
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. 

Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : RPDUMS Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2019 MY PURSE INCLUDING MY PERSONAL INFORMATION WAS TAKEN FROM A EVENT. ON SITE AUTHORITIES WERE NOTIFIED. I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I ALSO SEE SOMEONE ATTEMPTING TO ACCESS LINES OF CREDIT IN MY NAME, THERE ARE INQUIRIES FROM CREDITORS XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I HAVE NOT GIVEN ANY CONSENT FOR THESE. I CONTACTED THE CREDIT REPORTING AGENCIES REQUESTING VERIFICATION AND HAVE YET TO RECEIVE A FORMAL RESPONSE MAKING THESE ACCOUNTS UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY, AND I HAVE NOT GIVEN ANY WRITTEN CONSENT WHICH IS IN VIOLATION OF XXXX XXXX XXXX ALSO FURNISHING ACCOUNTS TO MY PROFILE IN RESULT TO IDENTITY THEFT IS IN VIOLATION OF XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The below 20Hard Inquiries on my Equifax report were not authorized by me and are greatly negatively affecting my score. I have sent Certified Letters to each one and have not received responses in 60 days that these 20 were authorized inquiries. 
I would like these permanently removed from my Equifax report as soon as possible. 
Sincerely, XXXX XXXX XX/XX/XXXX 1. XXXX  - inquiry date : XX/XX/XXXX 2. XXXX XXXX XXXX : XX/XX/XXXX 3. XXXX XXXX : XX/XX/XXXX 4. XXXX XXXX XXXX : XX/XX/XXXX 5. XXXX XXXX XXXX : XX/XX/XXXX 6. XXXX XXXX XXXXXX/XX/XXXX 7. XXXX XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XXXXXX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XXXX XX/XX/XXXX 11. XXXX XXXX XXXX. XX/XX/XXXX 12. XXXX XXXX XXXX XX/XX/XXXX 13.XXXX XXXX XXXX XX/XX/XXXX 14. XXXX XXXX XX/XX/XXXX 15. XXXX XXXX XX/XX/XXXX 16. XXXX XXXX XX/XX/XXXX 17. XXXX XXXX XXXX XX/XX/XXXX 18. XXXX XX/XX/XXXX 19. XXXX XXXX XX/XX/XXXX 20. XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

CFPB Complaint for Difficulty Unfreezing Credit Reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XXXX - XXXX - XXXX XXXX I am filing a complaint against TransUnion, XXXX, and XXXX for refusing to unfreeze my credit report. 
I attempted to unfreeze my credit report on [ XX/XX/2024 ] at [ TRANSUNION, XXXX, XXXX ] by calling their phone numbers. 
I repeated this proces on [ XX/XX/2024 ] at [ TRANSUNION, XXXX, XXXX ] with similar results. 
I believe I have the right to unfreez my credit report according to the Fair Credit Reporting Act ( FCRA ). 
I request that the CFPB investigat this issue and ensure that all three bureaus ( TransUnion, XXXX, and XXXX ) unfreeze my credit report immediatly. 
I want my Credit report unfrozen, Ive aslo wort them all letters as well. 

Signature XXXX XXXX XXXX
Product: Student loan

After contacting Nelnet student loan servicer multiple times they are continuing to report XXXX student loans as 120+ days past due after a credit repair agency requested the loans that were once XXXX XXXX loans be removed because this company no longer exist. Also a loan consolidation was done for these loans and they were reporting as paid until the removal request and now all of them have a current status as 120+ days late with derogatory comments. Lastly there are about XXXX student loan accounts that are on my credit report and more than half of them have no reporting status just occupying space on my credit report as collection accounts. I have called Nelnet several time for them to tell me they have no idea what I 'm speaking of, until finally a representative stated there is a credit reporting department that does not accept phone calls and I just have to wait until someone gets back to me. After I replied how can they fix a problem they keep denying is there but are clearly reporting to the credit agencies. I have called XXXX and can never get a live person and for the past few days there on line dispute center is a technical problem and XXXX claims states I ca n't print a report until my dispute process for a prior issue is resolved. I do n't where to begin to try to fix this issue. I keep getting the run around from Nelnet and waiting as everyday my credit is taking a huge hit from the multiple student loans that are reporting 120+ days late. I have already been denied for an Fha loan.
Product: Mortgage

Lender requires proof of flood insurance for the building ( condo ) on an annual basis, which is provided automatically by the insurance agent. Each year, lender sends a letter of reminder that they need the proof. Each year, I contact the insurance agent, who confirms the date/time the proof was sent. Each year, I then contact the lender who confirms receipt. 

Same thing this year. I contacted the lender in XX/XX/XXXX, was told by the agent they had received the information they needed from the insurance agent. 

Yesterday ( XX/XX/XXXX ) I received a letter from the lender indicating they had secured a flood insurance policy on my behalf, and set up an escrow account to handle the fee. They indicated that the policy they secured ( {$860.00} ) meant that I now owe them {$1600.00}. 

I spoke with the lender today. The agent confirms they *DID* receive the information from the insurance agent, but they still need the DECLARATION PAGE ( which does not appear on the original notice ). They have asked me to obtain and fax to them. If they are satisfied, they will look to unwind the process they went through to obtain flood insurance and bill me.
Product: Mortgage

Today XX/XX/XXXX my contact from Washington Federal, XXXX XXXX called me to tell me that the bank received my payments to the escrow I made earlier this year and that my mortgage payment went down from {$1300.00} to {$1200.00}. Which I am grateful and believe it happened because I contacted CFPB. 

I already made the payments for XXXX and XXXX. So I asked XXXX to please put the difference of {$110.00} into my PRINCIPAL. 

XXXX said that she will add some of the money into the principal but the system always adds the extra into paying the late fees. She suggested I paid the {$600.00} in fees accumulated so she can follow my instructions. The bank has refused to reduce or eliminate their high fees of {$42.00} per transaction. My fees been caused for the difficulty to make mortgage payments on the XXXX system. 

Is my understanding that the mortgage bank needs to follow the customer payment instructions and it seems that Washington Federal wants to make its own rules.
Product: Credit reporting or other personal consumer reports

[ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Your Phone Number ] [ Your Email Address ] [ Date ] Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Subject : Complaint Regarding Data Breach and Inaccurate Credit Reporting To Whom It May Concern, I am writing to formally file a complaint regarding a data breach that has negatively impacted my credit report and financial standing. Despite my efforts to resolve these issues directly with the credit bureaus and affected financial institutions, the inaccuracies remain on my credit report, causing harm to my credit score and financial well-being.

Despite my good faith efforts to correct these errors, they have not been properly addressed. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate credit report, and the failure to remove or correct these errors is a violation of my consumer rights.

Requested Resolution : I respectfully request the CFPBs assistance in ensuring that : The inaccurate and fraudulent items are removed from my credit report.

The credit bureaus and affected financial institutions conduct a thorough investigation and provide documentation of their findings.

Any additional steps are taken to prevent further harm to my financial standing.

I have attached copies of my credit report, dispute letters, and any relevant correspondence related to this matter for your review. I appreciate your prompt attention to this issue and look forward to your assistance in resolving this matter.

Please feel free to contact me at [ XXXX for any further information. 

Sincerely, [ XXXX XXXX ]
Product: Money transfer, virtual currency, or money service

I am a longtime customer and I brought XXXX to my local Bank of America branch to exchange for dollars on XX/XX/XXXX. These notes were 10 notes that are currently being taken out of circulation but are still legal tender untiXX/XX/XXXX I was told Bank of America could not accept these notes as of XX/XX/. 

These notes are still legal tender and I should be able to exchange them. I tried to contact someone within B of A that might have more knowledge about foreign currency but could not get past the initial customer service representative that could not have cared less about my issue. 

I am wondering if they were looking at the dates incorrectly. The teller told me that the bank stopped taking those notes as ofXX/XX/XXXX. If they were looking at English resources to check the notes thenXX/XX/XXXX would be writtenXX/XX/XXXX whereas in the US that date would be read as XX/XX/XXXX. 

XXXX XXXX XXXX XXXX is pulling the old 10 notes out of circulation to be replaced by newer polymer notes and I wont be back in XXXX until past theXX/XX/XXXXdeadline. Considering that I received those notes from Bank of America from my last foreign currency purchase it would have been nice to get a heads up about them not accepting the notes after a certain date.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on
Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the accounts, or inaccurate information, from my file immediately XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. I a victim under 22 U.S.C. {$7100.00} ( XXXX ) or XXXX XXXX  under 22 U.S.C. 7102 ( 12 ) as required to qualify for certain adverse credit information to be blocked pursuant to 12 C.F.R. 1022.142.
Product: Mortgage

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against my mortgage company for violating the Real Estate Settlement Procedures Act ( RESPA ) and the Consumer Financial Protection Bureau ( CFPB ) consumer laws and regulations. I recently refinanced my mortgage with this company, and I have experienced several issues with their services.

The main issue is that the mortgage company did not pay off my 12-month investment loan by the maturity date of XX/XX/XXXX, as stipulated in the loan agreement. As a result, the investment loan accrued daily interest from XX/XX/XXXX to XX/XX/XXXX, totaling {$6000.00}. This interest was not my responsibility to pay, as it was a direct result of the mortgage company 's failure to pay off the loan on time. 

The mortgage company closed on the refinance on XX/XX/XXXX, which was after the maturity date of the investment loan. Despite this, they did not pay off the investment loan until XX/XX/XXXX, and they did not inform me of this delay until after the fact. They then attempted to charge me for the interest that accrued during this time, which is a clear violation of the CFPB consumer laws and regulations and RESPA. 

I believe that this behavior by the mortgage company is unacceptable and violates my rights as a consumer. I respectfully request that the CFPB investigate this matter and take appropriate action to hold the mortgage company accountable for its actions. I also request that the mortgage company be required to pay any fees or penalties that may be incurred as a result of this violation. 

Thank you for your attention to this matter. 

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

I applied for employment with XXXX and XXXX. Checkr is stating that I need to download a copy of my driver 's license. The link the company gives does not work. When I contacted Checkr with the issue I get the same automated response via email that I need to download my drivers license. The link to download the driver license does not work, when I spoke to the representative at Checkr, they tell me to try again and if I have the same problem to call back. I called back and I receive a recording that they aren't accepting phone calls. The company is having me go in circles and preventing me from obtaining employment by not listening to my complaint that the link is not working. I sent a copy of my driver 's license via email and I'm told that it's not acceptable and I must upload the document. I can not do that as the program has a bug which is not allowing the upload and therefore I am unable to work. I have screenshots of what happens when trying to upload to help resolve the issue but the company looks the other way and states due to Covid-19 the offices are closed and there is only home based assisted representatives who can not help. It's ridiculous.
Product: Payday loan, title loan, personal loan, or advance loan

I'm not sure where I was looking over small loan offers if I got them mixed up myself or if I didn't see the interest rate etc but no company should be even allowed to charge a 700 % interest rate on a {$600.00} loan. This is apparently the rate that I got. They took out {$300.00} from my bank account but the payoff with be XXXX it looks like.