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

Chase Bank continues to do automatic deductions from my checking account without authorization or probable cause. On XX/XX/2023, I made a payment to Chase credit card for {$280.00}. On XX/XX/XXXX Chase Bank did an unauthorized auto deduct for {$150.00} stating that I had not made a payment that month which clearly I had. When I contacted Chase Bank, they acknowledge their error and said that they would refund me the {$150.00} plus the late fee of which to this date, neither has not been received or credited back to me. Then on XX/XX/2023. I made a payment to Chase Credit Card for {$270.00} for Chase credit card. Then another unauthorized automatic deduct to my checking account occurred on XXXX XX/XX/2023 by Chase Bank for {$140.00}. After calling Chase Bank they again acknowledge their error and refunded {$140.00} which I did receive, however the late fee attached was not received. At that point I also inquired as to the {$150.00} from the month previous, XX/XX/2023, that Chase Bank was supposed to have reimbursed to me weeks prior, and was told a supervisor would be in touch. Again, no one called or contacted me regarding the {$150.00} from XX/XX/2023 to this date. Now again for the third month in a row, today, XX/XX/2023, Chase Bank again hit my checking account for {$180.00} again stating payment not made and is also shown as an automatic deduction from my credit card which again I do not have any auto pay is set up and it was unauthorized. And Im assuming as the past two months that a late fee will also be attached to that as well I wan na know what gives them the right to continuously now dip into my checking account without authorization Or any auto payment set up to allow them to do so. And if not for me being diligent and doing my due diligence, they would be getting away with hundreds of dollars so far and I would like to know what recourse do I have been that now this is the second time that theyve caused me financial distress because now I can not make my car payment because the {$180.00} was taken out, and a claim has been made but yet no monies returned. So now Im going to be late on my car payment with a fee on top of that which will also hurt my credit because so far in the last two months that they have done this and have caused me financial distress. Theyve done nothing to contact the credit reporting agencies or to restore me to my previous status before they initiated their unauthorized illegal act. What recourse do I have and I want them find if its found in which it should be that they did these things intentionally in for three months in a row what is going to be done to restore my credit and Creditors that are not able to be paid on time?
Product: Mortgage

Pennymac has force-placed insurance coverage on my condo for failure to evidence a non-mandatory H06 ( walls-in ) policy. The terms of my loan do not require this, the master condo policy is all that is needed. This was done without contact in violation of regulations ( no paper letter, email, call, or text ) to the tune of XXXX  XXXX ( a XXXX policy could be attained for less than {$500.00} ).
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my XXXX, XXXX and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. XXXX XXXX XXXX XXXX XXXX  Balance : {$300000.00} ; XXXX XXXX XXXX XXXX Balance : {$2900.00} ; XXXX XXXX XXXX Balance : {$32000.00}.
Product: Checking or savings account

Capital One - unauthorized transaction Capital One XXXX XXXX withdrew {$850.00} from my account. Called Capital One as I do not have an auto loan with them. I was told by Capital One to call my bank as they did not find an auto loan account under my name. I spent over an hour on the phone with Capital One and no one can explain how they got my account number or why they stole money from me for an account I do not have with them. I was told there is nothing they can do to return the money as I do not have an auto loan with them. So how are they able to withdraw {$850.00} from my checking account?? 

I have other bills that are going to be due soon and I will not be able to pay those bills? When I get insufficient fund charges I believe that Capital One should have to pay these fees.
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction and concern regarding the inaccurate reporting of an account placed on my credit reports, which appears to originate from XXXX XXXX XXXX XXXX and has been managed by your agency, XXXX XXXX XXXX. The account in question has caused significant damage to my creditworthiness and has consequently impacted my financial standing. 

Upon reviewing my credit reports, I noticed discrepancies in the reporting of the aforementioned account. It is essential to rectify these inaccuracies promptly, as they are causing serious harm to my credit profile. To address this matter effectively, I request a thorough investigation into the account and its reporting. 

Furthermore, I kindly request that you provide me with written proof of all pertinent documentation related to this account, including but not limited to : Signed contracts or agreements pertaining to the services rendered by XXXXXXXX XXXX XXXX XXXX. 
Valid photo identification associated with the account holder. 
Detailed service dates outlining the nature of services provided. 
Clear documentation of payment dates and amounts made towards this account. 
I understand the importance of adhering to proper protocols and regulations in handling such matters. Therefore, I expect your agency to conduct a comprehensive review and furnish the requested documentation within 14 days from the receipt of this letter.
Product: Money transfer, virtual currency, or money service

Hello, I am having trouble connecting my PNC Bank account to the XXXX investment app. The reason provided was that the CFPB is authorized by the PNC bank to prevent me from connecting to the investment app. My complaint is to request authorization that enables my connection. 

Thank you.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Experian are allowing the listed companies to report fraudulent information on my Consumer report. I submitted an Identity Theft report with the FTC.I am requesting the removal of the disputed accounts and my personal information from my report. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These issues align with my complaint against all three credit bureaus and the data breach with XXXX. The bureaus have admitted that they have not removed the listed accounts or personal information. Under Section 605 ( b ) of the Fair Credit Reporting Act ( FCRA ), the bureaus had only four days to correct these errors. 

These accounts do not belong to me and should not be reporting on my Consumer credit report. 

XXXX XXXX XXXX Acct XXXX XXXX XXXX  XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX Bankruptcy XXXX  XXXX Reference # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans union is currently showing 21 inquiries on my credit report, that was never authorized. According to the law and congress, 15 US Code 1681a & e Congress gives me the full right to privacy. A consumer may not have his or her consumer report accessed without proper acknowledgement or permission. I have no letters, or no phone calls that I ever recievd asking or letting me know that my report was and will be pulled. 

I have reached out to trans union, and XXXX amd XXXX with the laws and congressional findings giving me this right as well as the law that protects me against this kind of agress and unlawful consumer dealings. This kind of consumer reporting behavior shows discrimination as well as unlawful
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Student loan

Navient misused my information and unauthorized a double payment last XXXX on my auto pay plan. They tried to hide it by not having a scheduled payment in XXXX. I still received a notice for a reminder about a payment coming out in XXXX. I contacted them and received the money back for the unauthorized amount. I was told that if I send my bank statement to them that shows the overdraft fees that I received on my bank they would refund me the money. I still have yet to see that money. I then called them in XXXX to make sure there was n't a payment coming out. They had to remove it. I told them that I wanted the last XXXX scheduled payments on my yearly income based plan to be canceled. I also asked to have my banking information removed from my account. When I talked to them about the income-based repayment plan they tried telling me the only way to do it is to have automatic payments set up ; which is complete XXXX. My bank information is none of their business. In the last three weeks, my mother has received multiple phone calls on her cell phone and home phone. I have received XXXX phone calls and have also received multiple emails. This is a form of harassment and I am sick of this company. I will not pay them any money until they give back the money I am owed and placed on a payment plan that I feel comfortable with. The amount is XXXX thing but the way I pay the amount is a completely different thing. I understand the company is being sought by the Federal Government and feel I have been mistreated by this company. They have taken advantage of me and have illegally broken contracts! I took the money out from XXXX XXXX Bank at a certain interest rate. Navient then bought the loans and doubled, nearly tripled the interest rate. I never signed a contract with Navient and still have the original documents of the contracts I filed with the bank. My name and signature are on those. This is a definite unlawful act by Navient and justice must be made to them. They are profiting off of people like me. I was making payments and now I do not feel comfortable working with this company. I would much rather have my loans bought out and removed from this company than have to deal with them again. I am tired of the harassing emails and phone calls and going after my family needs to stop.
Product: Mortgage

I have been on a repayment program with Wells Fargo since XXXX 2015. Set up my first payment of {$200000.00} on XXXX XXXX, then XXXX XXXX, XXXX XXXX, and then called today to set up a payment on XXXX XXXX. I was told by the representative that I was breaking the program rules by setting up the payment so late, I advised her I have been on this program since XXXX and this is the first time I have been told that. The account manager would talk over me and kept saying I needed to set it up on XX/XX/XXXX and that I just could n't call in when I felt like it and set up a payment. I asked them to escalate the call and finally set up a payment with XXXX and opened up a case with them advising her I am tired of everytime I call in the rules to this program seem to change.
Product: Mortgage

Ocwen loan servicing has garnished my wages illegally. I foreclosed on a home in 2011, in California. I attempted to contact them every Monday for over a year to perform a deed-in-lieu or anything to make my situation better. I NEVER received a call back from my " case manager. '' I have not been sued by them for the foreclosure, but they have illegally garnished my wages.
Product: Mortgage

I applied for a new mortgage with Wells Fargo Bank on an existing residential property in XX/XX/XXXX. 
Wells Fargo provided deliberately false and inaccurate information as to why the loan was denied. 

Several complaints were made to the resolution center at Wells Fargo and on two occasions they wrote and admitted that they had provided incorrect information in the disclosures about the reasons for the loan decline. 

Wells Fargo has failed to notify ME about any requests for reserves and instead used reserves as another reason for denying the loan after I challenged the reasons that they provided initially for the decline. When recognized that they did not follow guidelines for not approving the loan, they created a new one. 

The investigation in Wells Fargo has been ongoing since XX/XX/XXXX. 

Wells Fargo has engaged in discriminatory practice in the denial of this loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Because of recent data breaches relating to XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, I don't know about XXXX XXXX XXXX XXXX XXXX ; I wanted to put a credit report freeze with the three main credit reporting companies.I was able to do this easily with XXXX and XXXX, but not Equifax. 

I was not able to set up an account online with replies like " Try again Later '' or " Call our support line '. I went through lengthy message Q & A via a computerized menu, giving SSN, address, etc... Then, I would hit a menu with questions about financial activity and the responses I would give by voice or keypad did not register and I could go no further. I can not reach a customer service representative. They said they would send a verification code via snail mail. It took over a week to arrive. The code did not work, but an email came shortly after this saying my account was activated. I can not sign in, getting the " try again later '' or call the number with the menus to nowhere. 
Finally, I emailed the customer.care@equifax.com address that was only to be found on this letter that had the verification code on it that didn't work. 
This company has MY sensitive data, but there is no reasonable way to contact them. 

Please, I am desperate and just want to do a simple credit report freeze.
Product: Credit card or prepaid card

Citibank N.A. charged my credit card for services and fees that have been deemed at the time of charge as illegal and unfair practices to bill consumers these types of Fees. They have also overcharged interest fees as well. This illegal activities has been already decided in XXXX. My initial inquiry to Citibank was at XXXX, and my credit card had been open in XXXX. The years of Citibank 's deception and illegal practices in charging consumers illegally was from consumer credit card, etc., from XXXX - XXXX. There are other acct numbers which were from the same account and the last digits are as follows and were prior card numbers back to XXXX : x-XXXX ; xXXXX ; xXXXX ; x-XXXX, etc. A few cards were supplied with different numbers over the years and changed due to security reasons ... The whole account is subject to a review. I have asked many times and filed complaints many times over the years. This company dragged their feet on the initial claim, and then did not respond to future inquiries. I have much more information that I can send you with all the billings, and I have much of the information. I am missing a few years 9of info in earlier years, but I have been trying to get additional info from Citibank NA and they are now non responsive, and they and theirlegal representative have currently severly botched the inquiry, and/or lied. I had another complaint ( XXXX ) which the information provided from Citibank was totally wrong/or they just lied to stonewall the process. Therefore I am starting another complaint which will also show how Citibank and their legal outsourced team is stonewalling this process, and distorting the facts as we see. I will be faxing more information in to your fax number XXXX which I got from XXXX XXXX of your office. I want this to move further, and I want you to look at fining or what ever process you are to do to charge Citibank for their bad internal procedures as outlined in your reports attahced in the last.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding unauthorized and unknown inquires on my credit report. More than 45 days later, I have not received a response. I feel as though my disputes are being ignored. Section 611A states that failure to investigate these items within 30days gives reason to immediately remove these items from my credit report. I demand that these inquiries be deleted immediately or I will file litigation due to the stress this has caused me. My information was also impacted by the equifax data and may have got into the wrong hands.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX XXXXXXXX US DEPT ED XXXX {$5700.00} XXXXXXXX XXXX  XXXX {$110.00} XXXX XXXX   XXXX  XXXX {$310.00} XXXX XXXX XXXX {$11000.00} XXXXXXXX XXXX  XXXX {$2200.00} XXXX/DOFED XXXX {$9500.00} XXXX XXXX  XXXX {$340.00}
Product: Checking or savings account

I had a deposit in to Chime account on XX/XX/XXXX at XXXX. Transaction ID number is XXXX chime close my checking account without any notice they never alerted me to the deposit of the amount of {$1100.00} that was made on XX/XX/XXXX they closed the account XX/XX/XXXX. Through research of my own the institution that deposited the money into the time account told me where my funds had been deposited after being lied to several times by time they are now saying that I am not eligible for a refund due to something in there agreement. I have went above and beyond trying to work this out with them they lied to me about XXXX weeks ago well it was XXXX the XXXX around that time and told me that I had a refund check from the account on the way that it could be up to 30 days before it was issued. I called today XXXX the XXXX and now they're trying to tell me that there will not be a refund check issue. They close my account for no reason but they are trying to say in the email I received that they decided to end their relationship with me at this time. I have been studying and researching cases online through chime and I see that there's over XXXX complaints since XX/XX/XXXX of XXXX against chime and there's several lost and found against them. I am asking that you guys do the next step in the legal process of helping me receive the funds that chime has stolen from my account. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report fraudulent and inaccurate information on my credit report. There investigation system is flawed. They are in violation of the FCRA by continuously reporting this negative fraudulent information on my credit report.
Product: Debt collection

I received a notification on my XX/XX/XXXX about my credit score, that it had dropped down. I checked my score and credit and it said I was placed on collection from a tax collector company named Credence Resource Management LLC. I spoke to them and they said I had a balance due of {$1600.00}. They told me it was from XXXX XXXX XXXX XXXX XXXX. I told them I have never had XXXX XXXX XXXX XXXX XXXX Ive been with XXXX for many years now. I contacted XXXX XXXX XXXX XXXX XXXX and they indicated I had never had an account with them and they had not sent any bills to a collectors agency. I spoke to XXXX XXXX XXXX about I having XXXX XXXX  many years ago but the account was closed and I owed XXXX balance. They checked the account and I Don't owe them anything. Ive alerted XXXX XXXX XXXX XXXX about the possible fraud and they placed my account under possible fraud case. Im waiting on them to reply in a few days with whats the next step. Credence Resource Management said I had to filled out a fraud package with them and sent it to XXXX XXXX XXXX. With the address provided from them on the packet, I saw there is no XXXX XXXX XXXX fraud agency in the area. I blocked them on my email and flagged the email so i have it as evidence. As well I have never received any calls or emails from XXXX XXXX XXXX or XXXX on any bills I owed. Im very responsible with paying my bills on time. I was working hard on keeping my credit score high and now im a victim and lost many points on my credit score. I already froze my credit with all three credit accounts. im so upset about this please help!