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

PNC has violated my consumer rights. PNC has violated the FDIC. PNC has charged my account overdraft fees for transactions that have not posted and has stated that transactions have posted before and after deposits have been made. PNC has refused to reverse the charges. 

PNC is violating multiple federal laws by even charging " overdraft fees '' and ATM fees. 

I am prepared to forward this complaint to the Missouri Attorney General. 

I have already placed a complaint with the FTC under ID # XXXX for fraud.
Product: Debt collection

I had a credit card account with XXXX XXXX that went delinquent for several months and the account was eventually closed. XXXX XXXX  then sent the debt to Cavalry SPV I LLC which is a debt collection agency. By this time, I already enrolled in a debt consolidation program thru XXXX XXXX XXXX. The amount owed at the time was {$4000.00}. XXXX XXXX worked with Cavalry to see if a settlement could be reached. On XX/XX/21 a settlement offer letter was sent to me after both parties finally reached a agreement. Cavalry agreed to accept {$2000.00} instead of the original debt of {$4000.00}. Four payments of {$520.00} was scheduled for XX/XX/21, XX/XX/21, XX/XX/21, and XX/XX/21. Payments were made and successful for the first three dates. However, the last payment was rejected by Cavalry. The debt was then sold to a 3rd party collection agency ( XXXX XXXX XXXX. ) seeking the original amount of {$4000.00}. I never received credit for the first three payments {$1500.00} ) nor did I receive my money back. The 3rd party is currently taking me to court for the full amount with XXXX XXXX full support. First they went back on the settlement that was reached, then they basically took my money, and now they want to take me to court for the original amount. This is just wrong and so unfair.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXXXXXX XXXX Account # XXXX, XXXX Account # XXXXXXXX XXXX  Account XXXX XXXX and Public Information Account 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 a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX ( XXXX XXXX XXXX ), Account # XXXX, Amount {$2000.00} has violated my rights. 

According to the 15 US 1681 Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. My name is XXXX XXXX. I am really getting tired of having erroneous information on my credit. The way the credit bureaus disrespect me, the way they disrespect my privacy, is outrageous! I will definitely take further action if this account is not removed!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 XXXXhas violated my rights. 

InqXXXX 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  XX/XX/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
Product: Mortgage

We closed last Thursday, got the clear to close, closing disclosure, everything. At the closing table the buyers wire hadnt cleared yet, he showed proof. They wanted to wire me my profit. I felt hesitant but did it anyways. Was told the money would be in my account by the end of that day. Turns out there was a condition on the loan. Here it is a week later. Ive been given the run around since closing. The processor quit the day before closing and they allowed us to close without making sure everything was fine on their end. So my house is still in my name, the buyer is living there for free, my home has had no insurance since we closed. And the funds still havent been approved/distributed. This is absolutely ridiculous. They made a mistake on their end and it should have been fixed Monday! This is so unprofessional and has had caused so much stress and if not resolved I will be getting a lawyer. They need to fix this, I dont care what they do.
Product: Mortgage

I have been trying to complete my loan modification packet but I have been getting a run around from my lender. They continue to ask for my benefit letter for my VA income, which I have already submitted to them. I have been waiting over a year to submit for help and the least I need is another excuse as to why my documents are being reviewed!
Product: Checking or savings account

Huntington bank bill pay services deduct money from a checking account at initiation of the check, not at time of cashing of check. This opens door to several issues. Man issue is who s in possition of funds when check is not cashed? How does the bank report this addition income?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a completed investigation from Transunion regard accounts that I requested to be deleted due to inaccurate and unverifiable information. Only XXXX of the accounts where deleted and the other ones where labeled as updated. This company has consistently violated the Fair Credit Reporting Act and continues to furnish unverifiable information on my behalf with out my consent. They assumed this role and are violating the Fair Credit Reporting Act by not completing a proper investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm looking to by a house and wanted to get preapproved for a loan. The agent found several problems on my credit report. There were 10 credit cards on my report that I never applied. I believe I am a victim of Identity Theft and these cards are fraudulent and I need them off my credit report. I have submitted a number of disputes through XXXX XXXX and XXXX. I will be submitting a police report also. Here are the cards in question : XXXX XXXX {$590.00} Limit {$500.00} Opened XX/XX/XXXX ( 3 mos ) On time XXXX {$0.00} Limit {$8000.00} Opened XX/XX/XXXX ( 6 yrs, 3 mos ) The XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX Closed Limit {$300.00} Opened XX/XX/XXXX ( 2 yrs, 1 mos ) Closed on XX/XX/XXXX XXXX Closed Limit {$600.00} Opened XX/XX/XXXX ( 4 yrs, 9 mos ) Closed on XX/XX/XXXX XXXX XXXX XXXX XXXX Closed Limit {$3000.00} Opened XX/XX/XXXX ( 5 yrs, 0 mos ) Closed XXXX XXXX Closed Limit {$500.00} Opened XX/XX/XXXX ( 1 yrs, 9 mos ) Closed XXXX XXXX Closed Limit {$700.00} Opened XX/XX/XXXX ( 1 yrs, 9 mos ) Closed XXXX XXXX Closed Limit {$300.00} Opened XX/XX/XXXX ( 4 yrs, 8 mos ) Closed XXXX XXXX XXXX XXXX Closed Limit {$300.00} Opened XX/XX/XXXX ( 1 yrs, 9 mos ) Closed XXXX XXXX XXXX XXXX Closed Limit {$300.00} Opened XX/XX/XXXX ( 1 yrs, 10 mos ) Closed This Information download from XXXX XXXX and XXXX websites
Product: Checking or savings account

Wells fargos denied my doordash claim of XXXX XXXX  the claim number is XXXX They never asked for my evedince doordash admited to not delevering my order they did not properly investagate this i can prove they never delevered my food
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint that TransUnion is reporting inaccurate and incomplete credit information. 

I would like to state that TransUnion is in violation of 15 USC 1681 ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I the consumer NEVER gave XXXX written consent to report anything on my consumer report. No consent is identity theft. 
I demand that you remove these inaccuracies off my consumer report immediately. If they are not removed I will not extend my credit to anyone or allow TransUnion to furnish a report for me. I would like to state pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reporting. By allowing TransUnion these inaccuracies to be furnished on my consumer report, it may cause me to lose confidence in the banking system. If TransUnion wants to continue to business with me, they should delete these inaccuracies off my consumer report. 


I demand that the following account removed immediately : XXXX. The following account is not XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX. The following account is not mine XXXX XXXX XXXX  Account Number : XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 




Under federal law, you have XXXX ( XXXX ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within XXXX  ( XXXX ) days of the completion of your investigation. 







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

I'M IN THE PROCESS OF BUYING A NEW HOME AND MY LOAN OFFICER BROUGHT TO MY ATTENTION A COLLECTION ACCOUNT THAT WAS OPENED WITH XXXX. 
I'VE NEVER HAD AN ACCOUNT WITH THEM BEFORE SO I KNOW IT'S IDENTITY THEFT.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, I received notification from Equifax that disputes I filed regarding hard inquiries were completed. I disputed the following inquiries : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX - DID NOT AUTHORIZE. I filed for bankruptcy on XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, OH XXXX - DID NOT AUTHORIZE. I filed for bankruptcy on XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, MI XXXX - DID NOT AUTHORIZE. I filed for bankruptcy on XX/XX/XXXX XX/XX/XXXX XXXX XXXX TX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX - DID NOT AUTHORIZE. I filed for bankruptcy on XX/XX/XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX DID NOT AUTHORIZE. I filed for bankruptcy on XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX - DID NOT AUTHORIZE. I filed for bankruptcy on XX/XX/XXXX and they were included in the bankruptcy. This should not have been run. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX XXXX DID NOT AUTHORIZE. I filed for bankruptcy on XX/XX/XXXX and they were included in the bankruptcy. This should not have been run. 

Equifax responded to my disputes with the following statement : " INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. '' There is no way these inquiries are valid. I neither gave information to, nor did I authorize those lenders to pull and run my credit. I even spoke with a gentleman from XXXX XXXX and told him specifically NOT to run my credit because I was not looking for financing due to filing for bankruptcy. I was not looking for financing, I had just filed for XXXX  XXXX bankruptcy. It was discharged in XXXX of XXXX.
Product: Credit reporting or other personal consumer reports

I received an email from XXXX XXXX stating a hard inquiry had been added to my profile on XX/XX/XXXX. Upon checking I noticed an inquiry had been added to my XXXX account by Barclays Bank Delaware on XX/XX/XXXX and on XX/XX/XXXX. Both of these dates were around the time I signed up for cruises on XXXX XXXX. I remember there was a request to sign up for a credit card which I didn't because I have an XXXX credit score and don't need any additional credit. I attempted to reach out to Barclays Bank and was told there was nothing they could do and referred me to the credit reporting agency that posted the inquiries
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( XXXX XXXX ) due to inadequate Customer Service and unfair practice which violates consumers financial protection act ( CFPA ).

Specifically cash app fail to take timely and effective measures to prevent an address fraud on their platform leaving my account vulnerable and unprotected Furthermore, there dispute resolution was unfair and deceptive as they did not comply with errors resolution requirement under the electronic funds transfer ACT ( EFTA ) and regulation E these actions has caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 
XXXX XXXX  Account XXXX XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXX account # XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A states that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions
Product: Student loan

They continue to apply the loan payment incorrectly despite specific directions on the check and multiple contacts and notes on the file with customer service. This has made it past due on multiple occasions. The check clearly states to " apply excess to loan x '' as it is our plan to put even a little extra money to help pay it off early. Yet they continue to apply the entire amount to loan x making us " delinquent '' on the other accounts. I have spoken with multiple representatives who have verified that they understand what it means to apply excess to loan x. As this has necessitated calling in multiple times this brings me to another concern, there is no easy way to speak to a representative. You can not push XXXX, but instead have to listen as they detail that the payment is late and would you like to make a payment. The truth is the payment is not late and this call is to remedy the mistake made by the company and yet I can not speak with a representative until over 5 minutes later. For those of us who work ( especially multiple jobs ) there is not always time to spend 5 minutes going through an automated system and then explain the situation to a representative who says they will do what they can, but that this is how the system works. The system needs to be remedied so that simple directions can be followed on the written checks and applied correctly, making it no longer necessary for multiple calls by the consumer. Further this even helps the company as they do not have to call or email about delinquent accounts that are actually not delinquent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed numerous letters pertaining to my credit report and the incorrect information reported in it, to no avail have I received responses from the credit reporting bureau agency Experian. It has been over 60 days since I sent the first request via certified mail with return receipt to investigate into my credit report. The first letter sent to this reporting agency was XX/XX/2020 ( I will include these receipts ).
Product: Mortgage

In XXXX XXXX XXXX  started a pre-approved modification with 3 trial payments. After I made my 3rd payment they transferred servicing to Shellpoint mortgage but because Im currently in a chapter XXXX bankruptcy they will not speak to me even though my attorney had given permission to chase. I need to keep my house. I have been paying on time for over a year.
Product: Checking or savings account

In prior complaint, I detailed reporting unauthorized access to my account, and an unauthorized withdrawal for {$9900.00}. I ultimately ended up working with XXXX XXXX XXXX where someone opened an account in my name, to get the withdrawn funds back to my Credit Karma account. Thankfully this worked, but no thanks to Credit Karma. 

In response to my first CFPB complaint, Credit Karma made false statements and misconstrued events in order to distract from its own failures to follow federal laws regarding electronic funds transfers. They lied about detecting the fraud first. I detected a withdrawal that I didn't recognize and reported it. They lied about waiting on me for information and documents for a week, where in actuality I was emailing everyday for updates and being told to wait. They failed to ever share any details of the investigation with me. They tried to get me ( twice ) to sign indemnification agreements protecting the bank and making me responsible for everything, just for them to investigate the transaction. 

SUMMARY : Credit Karma deliberately obfuscates and lies in its response to the CFPB to cover for violations of federal law and a complete lack of internal controls and oversight.
Product: Credit reporting, credit repair services, 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 : XXXX XXXX XXXX Account # 's XXXX, XXXX, XXXX, XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXXXXXX Account # 's XXXX, XXXX Account name : XXXX XXXX XXXX Account # 's XXXX Account name : XXXX XXXX  Account # 's XXXX, XXXX These accounts have 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 an 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 reporting agency if the person knows or has cause to believe that the information is inaccurate.
Product: Credit card

The company on several occasions has denied the use of my credit card until I respond to an email that the company sent to me asking if I approve the purchase. 

The company sends identical email verifications for purchases and returns.
Product: Debt collection

XX/XX/22 submitted dispute to all 3 credit reporting agencies for unknown debt listed from LVNV funding. results indicated n were verified as accurate. sent certified letter on XX/XX/22 to LVNF funding requesting verification of the alleged debt.They have failed to respond and continue to maintain this inaccurate unverifiable debt on my credit report violating the FCTA and FDCPA. I have been unable to resolve this matter with them. 
I intend to pursue legal action against them in federal court for their unlawful violations if they refuse to immediately remove said accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX and XXXX is showing Negative accounts that not listed on my credit report. Also hard and soft inquires were not apporved by me. 
In accordance with the Fair Credit Reporting and XXXX, Equifax has violated my rights. 
15usc 1681 Section 602A State I have the Right to privacy.

15 usc 1681 Section 604 A Section 2 H also states a consumer reporting agency can not furnish my account information without my written consent.
Product: Debt collection

This company " American Coradius International '' sent a collection letter to us stating that XXXX is the original creditor and we owe money, but we still have an active and in good standing account of the ONLY XXXX account that we have, so how is it that we are in collection mode from XXXX? 

So these RED FLAGS is what prompt us to send this complaint because this sound fraudulent, I ask the agent question which she did not want to disclose, and only wanted to know all of my information with out disclosing any of hers, and I not wanting to disclose more information on something that is clearly a very suspicious attempt of collection on behalf of XXXX.
Product: Vehicle loan or lease

I am writing to address the recent communication regarding my XXXX XXXX XXXX  purchase and loan approval Last month, I made the decision to purchase the XXXX XXXX based on XXXX attractive 0.99 % XXXX offer. I promptly submitted all the necessary documents, and on XX/XX/XXXX, Tesla reviewed and approved my loan at the specified interest rate. 

I took delivery of the vehicle on XX/XX/year>, and everything seemed to be proceeding smoothly. However, on XX/XX/XXXX, I received an email from XXXX requesting additional documentation, including my Social Security Number ( SSN ) and green card. 

As an XXXX visa holder, I clarified that I do not yet possess a green card. Despite this, I diligently provided my original SSN card as requested by XXXX. Furthermore, I visited the XXXX XXXX XXXX in person on XX/XX/XXXX, where I submitted all necessary paperwork, including proof of my visa status ( XXXX approval notice ). 

To my surprise, when I followed up with XXXX XXXX XXXX ( Fundingresolution ) today, he informed me that the lender, XXXX XXXX XXXX, is unable to proceed with my loan due to the lack of a permanent residence card and the loan is not approved locally and that the APR has been increased to 8.68 %. This is unacceptable. 

Here are my pressing questions : Why was my application approved for a 0.99 % APR on XX/XX/XXXX? 
Why wasn't there any issue with my loan being communicated to me before the vehicle delivery? 
Why wasn't it disclosed that the 0.99 % APR was available only for XXXX citizens and XXXX card holders? 

I find it fraudulent to offer a 0.99 % APR, approve it, and then change it to 8.68 % after a month of delivery. Tesla should take back the vehicle if this is the case, as I agreed to the purchase based on the 0.99 % APR offer. 

I have done everything correctly to secure the 0.99 % APR, including providing all required documents. Considering I have a significant home mortgage approved, it is perplexing why Tesla is rejecting a $ XXXX car loan. 

Please review the attached email chain from the past month with XXXX. I provided all requested documents and followed up today, only to learn that my 0.99 % APR was rejected after the vehicle 's delivery. 

Is Tesla intentionally committing this fraud? Why was my 0.99 % APR approved initially? Why was I not informed of any loan issues before the vehicle delivery? Why was it not disclosed that the 0.99 % APR is limited to XXXX citizens and XXXX card holders? 

Attached document which shows lender approved XXXX APR for XXXX month before purchasing this vehicle. 

I await your prompt and satisfactory response to this matter.