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

XXXX Deposited a third party check ( {$12000.00} ) signed over to me from my husband via an ATM PNC bank where my bank account has existed for 30 years. 
XXXX The check was deposited and withdrawn ( no notification from the bank ). I discovered when I checked my balance. 
XX/XX/XXXX I called the PNC branch in XXXX, OH to understand why the deposit didnt go through. XXXX  ( the teller, said it was because the check was over the amount allowed to be deposited into the ATM. When I went into the branch later that day, the branch manager said it was because my husband isnt their client and they can not verify his signature. They were unable to return the check to me, but said I would receive a replacement legal check in the mail within 7-10 days. 
XX/XX/XXXX I called customer service for the status of the check. I was told the check was sent on XX/XX/XXXX. Then waited. 
XX/XX/XXXX I called customer service for the status of the check. The representative told me they can see that the check was lost. She said she could reissue the check but it would take an additional 7-10 days. So instead she encouraged me to go into the branch and told me to ask them to have Returns overnight the check. 
XX/XX/XXXX I left work early to get the branch before XXXX only to discover the banks new hours are XXXX. I got there at XXXX. I work from XXXX and will not be able to get there during their open hours until the weekend. So I called customer service. I spoke with XXXX who was helpful, but didnt have the structure in place to escalate my call to a manager. If the branch can request a check to be sent overnight, why cant customer service. We are living in a digital age. She had already sent me a multi factor identification code via text. But alas she did not have the ability to make the over night request. She also was unable to take the call when I asked for a manager. She wasnt able to get me to the Office of the President and when I let her know I would go public the best she could do was submit a complaint to have someone call me back at some point in the next day or so. 
XX/XX/XXXX I still havent heard anything from PNC bank. I still do not have the check I deposited on XXXX. And I have no idea when I will. I have lost all trust with PNC bank. And upon receipt I will be taking my business elsewhere after 30 years.
Product: Debt collection

I am just due for the current months payment, so not even XXXX days past due, and in a matter of XXXX days I have received XXXX phone calls from this company, as close as an hour and a half apart, to collect the debt. There is no reason at all to call a customer XXXX times a day to collect a debt, especially with the times so close together. Their collections tactics are harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

The balance that was sent to kls should have been paid for by my Heath Insurance. And no claim has ever been sent nor has anyone sent anything to my home or contact me about this balance.
Product: Checking or savings account

On XX/XX/2019, I had 8 pending charges ranging from {$0.00} being the smallest to {$140.00} being the largest. The attached statement from my online banking account will reflect that the balance of my account beginning XX/XX/2019 was {$110.00} after the first entry for that date was credited as a deposit of {$55.00}. The overnight reorganization and posting of debits/credits occurring on XX/XX/2019, reflect that the {$110.00} covered 7 of those pending charges with an ending balance of {$48.00}. The last of those pending charges remained pending on XX/XX/2019. On XX/XX/2019, Regions Bank assessed 6 overdraft fees associated with the 7 charges that posted that day at {$36.00} each, resulting in fees in the amount of {$210.00}. On XX/XX/2019, Regions sent a notice with some kind of reorganizing debit math formula to validate their {$210.00} worth of fees that they claim are overdraft fees for their payment of the 7 charges on my behalf. However, the online banking statement clearly shows that those 7 debits were paid with my own money, leaving a balance in my account of {$48.00}. As of XX/XX/2019, there was still a pending charge for {$140.00}, which had not yet posted, but for which 1 overdraft fee should be rightfully incurred once the pending charge is actually posted to the account. It seems unethical to me that a bank can assess overdraft charges based on a pending payment that has not yet posted and claim that the pending payment caused charges that previously posted to overdraft the account when there was a {$48.00} balance in the account after those charges had posted. I thought this may perhaps be an error, so I went to a local branch of the bank where a teller attempted to explain that the pending charge of {$140.00} was posted to the account before the other 7 charges, which caused the 7 overdrafts, but as a courtesy they only assessed 6 overdraft fees. A courtesy? Every single one of those 7 charges were paid with my own money with a positive balance left over, for which they charged me {$210.00} in overdraft fees, but it was a courtesy to me that they only charged for 6 and not 7? As my online statement clearly reflects, the other 7 charges were posted to the account before the {$140.00}, as the charge for {$140.00} remains pending as I write this complaint. The teller was not able to provide any printout or evidence other than her word that the {$140.00} charge posted before the other 7 charges that were posted on XX/XX/2019, nor was she willing to refund any of the fees. The only evidence that exists of the posting order of the charges on XX/XX/2019 is the online statement I have attached hereto, which shows 7 debits posted with a balance of {$48.00} and a pending debit of {$140.00}.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block certain erroneous data reported on my credit report, pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act. It has come to my attention that incorrect information has been included in my credit report, which I believe to be the result of identity theft. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX - XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent 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 that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

XXXX XXXX began billing internet service before a line was run into my home. They agreed that services not provided should not have been billed. They ran a line and I began and continue to pay monthly for services. The amount previously billed was mistakenly sent to collections. CBE GROUP INC has been trying to collect the invalid debt and has now for a second time reported it as delinquent to the credit agencies. I had already disputed once successfully to the credit bureaus and explained the situation the both XXXX and CBE. Last month CBE resubmitted the account as delinquent and in collections. I'm now in the process of having to dispute this a second time.
Product: Payday loan, title loan, personal loan, or advance loan

Basically I lent money out to people on the solo app and of course they didnt pay on time and solo trying to give me half my money for lending money. Or make me wait 90 days to see if they pay the money. Just very misleading and I would have never lent money out they I needed thinking I would make some money off my money not lose money and time
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX  ), XXXX XXXX XXXX XXXX account on XXXX XXXX, XXXX XXXX XXXX on XXXX XXXX, XXXX  XXXX XXXX on XXXX XXXX, XXXX XXXX XXXX XXXX. on XXXX XXXX, XXXX  XXXX on XXXX XXXX, XXXX via XXXX on XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX on XXXX XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX  ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX XXXX XXXX on XXXX XXXX, that appears related to the aforementioned. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Fraud account on my report. It was deleted in the pat but reappeared.
Product: Credit reporting, credit repair services, or other personal consumer reports

After careful review of this account, I noticed multiple instances, where 99 % of the information reported by the credit bureasu are not accurate and they insist on confirming and validating the creditors inaccuracies. The high balance is being reported inaccurately with 3 different amounts. Only one credit bureaus ( Experian ) is reporting that it has actually verified the account. Date of Last activity, date reported, date opened, balance owed, creditor type, account status, payment status, are all reporting different information. None of the agencies match on any of the data they are reporting against this account. 

On XXXXXXXX XXXX and XX/XX/2022, I submitted a dispute via the online portal with all 3 Major Credit bureaus regarding XXXX XXXX. Each result came back " verified as accurate '' by both the Creditor and the Credit Bureaus.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, and XXXX continue to report inaccurate information from the account listed XXXX Account # : XXXX. 

Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX Code XXXX - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Checking or savings account

I have been reallocating my assets from my USAA savings account to a savings discover account. 
I have been very careful to time the transfer requests in such a way to avoid overdraft particularly. I transfered XXXX to discover after receiving XXXX from selling stocks on XXXX and being deposited into USAA. After receiving my midmonth pay I deposited XXXX into my USAA savings account from my checking account. After that was reflected on the app, I transfered that XXXX to discover. Now USAA is stating that I never transfered the XXXX between account and is claiming overdraft fee of XXXX. The app reflected my XXXX transaction which would have completely avoided the overdraft fee but now it is not reflected at all on the app! I feel this retribution from slowly closing down my account with them ( which I responded to in a survey ) and is completely unfair as sufficient money was within my accounts in the USAA ecosystem.
Product: Money transfer, virtual currency, or money service

Ive had several unauthorized transactions on the accounts. Ive called many times Ive been ignored.
Product: Mortgage

I submitted an inquiry via Lending Tree with the intention of securing information about tapping into my home equity. When entered my information ( only my name, address, phone no and email address ), I was presented with several questions that didnt seem to align completely with all of my needs. I proceeded believing there would be an opportunity to speak with someone at a later date about a formal application process or have an opportunity to review rough loan estimates. I did receive a few estimates, but they were for short term loans as apposed to loans pertaining to a HELOC. Not once did I provide my social security number, salary information etc. for a formal financial profile review / application submission. I received two notifications from lending tree last night indicating that I hadnt met requirements for a loan, and that per my request that reached out to credit bureaus to obtain my credit profile information. I never have them permission to do so, and this will result in an additional inquiry. This company and its practices are deceptive, and its important that they fully do disclose their intentions via phone consultations. Its not legal to check someones credit without their permission- Im concerned about this matter, and it needs to be resolved right away.
Product: Student loan

Nelnet 's automated phone service system doesn't function properly and needlessly wastes consumer 's time. First, the phone service system automatically hangs up while it is in the middle giving the information to consumers. Second, the phone service system requires borrows to provide account, birthday, and zip code information before telling the borrow that Nelnet 's customer service is unavailable for the day.
Product: Money transfer, virtual currency, or money service

XX/XX/2018 I sent money to my friend in New York by XXXX. 
Unfortunately the money I sent was exceeded New York State limit, therefore my friend could not pick up money I sent.XX/XX/XXXX& XXXX I called XXXX for refund, but they kept saying money is available for pick up, and my friend visited several times XXXX store to collect it, but he could not because exceeded State limit. Finally XX/XX/XXXX XXXX Customer Service told me my money will be refunded, then I went XX/XX/XXXX store where I originally sent money to friend and asked refund then XXXX  Customer Service tried to refund my money for two hours but XXXX system did not allow to refund by XXXX, finally XXXX told XXXX Customer service 36 hours cooling period for refund. 
Therefore today, XX/XX/XXXX I visited Walmart store for refund, so Walmart XXXX XXXX negotiated with XXXX, but I spent one hour same excuse another 36 hours, so come back Monday, XX/XX/XXXX. 
This is XXXX 's systematic extortion of general public. Clearly this XXXX business XXXX is conducting. This is why I filed complain to get help from CFPB in order to deal with Minnesota XXXX. 
Note : XXXX XXXX reference # XXXX, Refund reference # XXXX gave to XXXX  XXXX, this # is not working.
Product: Mortgage

I modified my mortgage with Ditech in XX/XX/XXXX. Ditech has misapplied my XXXX payment and credited it to XXXX. Ditech has missed the payment credited to it on XX/XX/XXXX and instead applied my XXXX payment to XXXX. This has had the effect of making me look late since XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

Paypal finally banned my account XX/XX/2021. My complaint is legal agreement on permanent My account is limited, I don't know reason and ask customer service I always say that I have a violation The auto bot always says agreement which is not exactly why my account exists violation. Just my account received payment for services please help me to unbanned my paypal account thanks to advance in helping me.
Product: Credit card or prepaid card

I bought a {$200.00} gift card ( Issued by Blawkhawk ) and received {$98.00} in ( XXXX ) charges within 30 minutes of checking the balance on the card at a site that came up first when I searched their web address on the back of the card. I'm not the first ( over XXXX complaints at the XXXX XXXX XXXX  ) Itst ' been almost a month and they've done nothing but try to bury me in forms and red tape. ( I had to fill out a form listing the XXXX charges separately including the name of the scam company on each line ). According to various sites there have been numerous reports of fraud on the phishing site but Blackhawk still allows the charges to go through. there are Several complaints on the XXXX site claimed the phishing site was owned by Blackhawk and after this ordeal I am beginning to suspect that may be true.I 've disputed charges on other cards and have always been able to resolve fraudulent charges over the phone, I have no way to electronically sign the forms they emailed me. Also the require me to list each of the XXXX charges manually when the aleady have a list. I explained that I can't Esign and that I don't have a smart phone and they a couple of times and instead of explaining how to do this and offering help they just keep sending me the same forms and instructions. ( 3 times so far )
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed my dispute off to TransUnion on XXXX  They received my letter on XX/XX/ certified mail, return receipt included. It is now XX/XX/2023 and Transunion has sent me a letter stating they need more time to investigate and that my dispute may not be completed until XXXX The additional information does not pertain to this disputed. You have 15 days to respond with my investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 company XXXX XXXX had charged me for an amount of {$350.00} claiming I had used Ambulance Service in the City of XXXX at the time ( never in my life have I taken an ambulance ) I initially noticed I only saw it on XXXX  credit agency and began to receive letters in the mail from XXXX regarding this charge/ account. I first contacted XXXX XXXX asking to remove this false charge and letting them know they have the wrong person since I was never in XXXX CA in XX/XX/2017. I did not want to give them any personal info to confirm my identity after finding out they have a reputation online for scamming people. So I called XXXX  to file a dispute and they resolved it and removed it from my XXXXn Report. Present day, I come to find it was also on my Experian but this time the amount is an outstanding {$460.00}. The fraudulent charge/ account had been on my Experian report also since XX/XX/2017 and I was unaware. I tried to contact XXXX XXXX to see if things were different this time and they can remove this charge, but they continued to ask for personal information which I was not comfortable giving them. I tried to resolve the issue the same way I did with XXXX  and after two disputes being filed, Experian is claiming the fraudulent charge/account from XXXX XXXX to be accurate which is not the case at all. In the beginning when I was receiving letters in the mail I remember checking the date of the supposed use of the services claimed by XXXX XXXX and I was scheduled to work at my previous job. I cant recall that exact date since its been years, but I was at work XXXX  the day of.
Product: Mortgage

Chase is reporting to only XXXX that I have 120 day lates from XXXX to XXXX and the date of last activity and account closing was in factXX/XX/XXXX and should n't even be reporting anymore.