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

My organization has a checking account with PNC Bank. For the two months, we have started to incur analysis fees in the amount of XXXX on XX/XX/20 and XXXX on XX/XX/20. In checking with the bank, we are being charged {$3.00} for each night deposit that we make. Part of the fees are offset by earnings on the account, but the fee itself makes no sense. We are being penalized for putting deposits into our accounts. We do not have an option to use the ATM or mobile deposit because each night deposit contains a large amount of cash. It is also done outside of normal banking hours because of the nature of our business cash flow cycle. 

Now with COVID, PNC has restricted access to the branch lobby. They are basically saying in order to avoid this {$5.00} night deposit fee we should risk our life to make the deposit at the drive-up during their limited business hours. This is anti-consumer and the fee should be eliminated from all checking accounts at PNC. 

I have spoken with our XXXX Banker at PNC and she also thinks the fee should not exist but of course there is nothing she can do about it. This is a great example of a banking executive making a decision in the best interest of the bank 's bottom line which hurts their customers and now is potentially putting human life in danger.
Product: Credit card or prepaid card

I have an account with Pay Pal Credit. There are charges on my account I did not incur, and have reported them to creditor however they refuse to give me credit for the disputed charges. Pay Pal Credit has also, without cause closed my account as it has always been paid timely but for disputed amount.
Product: Money transfer, virtual currency, or money service

I sent my contractor a {$200.00} payment on XX/XX/year> through CashApp. He refunded the {$200.00} back to me through CashApp. However, I never received the refund back to my bank account. I called CashApp and they stated that the {$200.00} was refunded to my XXXX bank account on XX/XX/year>. However, XXXX advised that the funds were never received. CashApp informed me that I would have to dispute the charge with XXXX. However, XXXX informed me that the problem is on CashApp 's end because they did not refund the money. I called CashApp a second time and informed them that XXXX never received the refund. CashApp just kept saying that I needed to contact XXXX and telling me there was nothing CashApp could do. I looked online to see if other people experienced CashApp not sending refunds and found that CashApp has been stealing refunds from customers and CFPB had to force them to pay back refunds to some customers.
Product: Credit reporting

This account was submitted to Cfpb on XXXX/XXXX/XXXX, as a collection report on my XXXX Credit Report. As of XXXX/XXXX/XXXX, this acct. was removed from XXXX. I am requesting that Transunion also remove this as well. The company did report that it would remove this acct. from collections. Company placed these accts. in collections for dates of service : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. These were for injections for my knee weekly @ {$600.00} per injection. Prior authorization from office manager told me that they would accept whatever my insurance company paid and I would not have any additional charges sent to me. The company has agreed to remove the {$330.00} charge and submit it as closed. They have only submitted to XXXX and still have this collection showing on my Transunion Credit Bureau.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they di
d not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reaso nable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries : XXXX on XX/XX/XXXX - XXXX XXXX, A XXXX on XX/XX/XXXX - What happened : customer service would not help and take care of the negative inquiries reporting to your credit report.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  : # XXXX XXXX  # XXXX XXXX  : XXXX has violated my rights, According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 ( 5 ), they are supposed to treat inaccurate or unverifiable information by promptly deleting or modifying it.

According to 15 USC 1681s-2, they are not supposed to furnish any information that is known or believed to be inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to all three major bureaus the date of the last letter to Equifax was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. I am starting to question the capability of this bureau on their investigation. Investigate properly and please update for 100 % accuracy. 
XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Balance {$110.00} - XXXX Balance {$0.00} XXXX  XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXXS XXXX Balance {$0.00}
Product: Money transfer, virtual currency, or money service

I use coinbase to make transaction. 1st time fine. TRAanafer money in an out and but what I need. I transfer XXXX in aNd said problem. I did again. Both this time went through. Asked for refund which refuse. For weeks they have XXXX of my cash and refuse to let me spend or cash out, having they say made a rule change. I think they, are just XXXX. last XXXX XXXX. 

phone XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I run an XXXX in XXXX, XXXX My former accountant sent XXXX XXXX XXXX letter wishing to cancel service and then switched our phones to XXXX XXXX I received a bill from XXXX XXXX XXXX XXXX, LTD. Direct number is XXXX ext XXXX. I have told her we canceled repeatedly, however she says we did n't do it properly so we owe. I have told her I am having an attorney review the file. She called today XXXX times and is being incredibly rude to my staff, who have nothing to do with this debt. She has threatened me by stating if she wants me to stop contacting my staff then I need to give her my attorney 's name, via email that I have. I want this to stop. This is a ridiculous debt that is trying o be collected from me. The only signed contract we have is from XXXX that states after a XXXX year period then it restarts another XXXX year period. That 's XXXX. In XXXX we switched to a different phone carrier and our contract should have been cancelled. 

I do n't know what to do and would ask for any help you can provide. I want her to stop calling my staff and if she needs to communicate with me she can via certified mail. 

Please help. 

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

XX/XX/XXXX I took out a loan online at XXXX. In XX/XX/XXXX I contacted the company via their XXXX number. I spoke with a customer service representative because I was experiencing financial hardship and could not make the monthly payment. I was told that I had to call on XX/XX/XXXX when the loan was 30 days past due to request to be put on the hardship program. I was told that as long as I called before XXXX XXXX. PST my loan would not be reported late. 

I called the XXXX number three times on XX/XX/XXXX, and was told that XXXX was experiencing issues with its website which prevented me from being offered a hardship program and that they were not aware when the issue would be resolved. 

During the third call I spoke with a representative whose first name was XXXX. I decided to use the money for my rent to make the payment to avoid a 30 day late payment of my credit report. I made the payment while XXXX was on the phone with me and she confirmed that I was making the payment before XXXX XXXX  PST and it would not be reported as late event though the system stated the payment would not post until XX/XX/XXXX. 

XXXX stated this was an error as the website was experiencing issues and that she was created a ticket so that her supervisors and others were made aware of the issue. 
XXXX told me to send an email to XXXX to also make them aware of the matter. I received a response from XXXX stating my payment was late and would be reported to the credit bureaus. 

On XX/XX/XXXX, I called the XXXX number again and once again spoke with XXXX. She reviewed the email that I received from XXXX and stated she would escalate the issue to her supervisor because my payment was not late. 

After speaking with XXXX, I again received an email from XXXX stating my payment was not received on-time. I am filing a complaint because of the inaccurate credit reporting. 

XXXX  states all calls are recorded. Therefore, my calls should be able to be reviewed.
Product: Checking or savings account

In XXXX, I set up a {$1500.00} burial account for my then XXXX-year old mother who lost her eyesight and had to move into a long term care facility, at Citizen 's Bank in a " green savings '' account. She also has a checking account there where her social security payments are directly deposited. I am the executor of my mother 's estate and was told when I set up the account that there would never be fees withdrawn from this {$1500.00} burial account. 
I just noticed that on XX/XX/XXXX, a {$10.00} ( dormant account fee ) was withdrawn. I called Citizen 's and they told me that unless a deposit is made every month in the burial account then she will be charged $ XXXX/month going forward. 
The government only allows my mother to hold {$1500.00} in this account which is purposed for funeral expenses. I was told that Citizen 's has now changed its policy and will withdraw $ 10/month from this account unless a deposit is made, and that I should know because it is in her paperwork. I can not move the {$1500.00} into her checking account while she is in long term care because the government will not allow her to exceed {$1500.00} in her account and she will be forced to turn it over to the long term care facility.
Product: Credit card

I made a payment in excess of my minimum balance to pay off a " Chase XXXX XXXX XXXX '' plan. XXXX XXXX XXXX XXXX  states that payments will be allocated to 1 ) the balance with the highest APR first, then the lower APRs, and 2 ) oldest charges first, then newer charges. 

Instead, my excess payment was allocated to my newest Chase XXXX XXXX XXXX plans, which also had lower equivalent APRs than the older and higher fee plan I was attempting to pay off. I spoke with two supervisors and an " Executive Office '' representative, who opened a case for me about this issue. All stated that there was nothing they could do to reallocate the payments consistent with what I had been previously told by Chase representatives and per the language in the XXXX XXXX XXXX. 

I have already been charged over {$400.00} in fees due to this incorrect allocation and will likely be charged another {$200.00} this month for a total of over {$600.00} in excess fees due to their improper allocation of my payment.
Product: Credit reporting or other personal consumer reports

15 USC 1681 refers to a section of the United States Code related to the Fair Credit Reporting Act ( FCRA ) .Specifically 15 USC 1681 is the title of the ACT that governs how consumer credit information is collected, maintained and used.The FCRA aims to promote accuracy, fairness and privacy of consumer information contained in the file of consumer reporting agencies. XXXX, XXXX AND EQUIFAX INFORMATION BREACHED, FTC REPORT ATTACHED. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX MULTIPLE ACCOUNTS, XXXX XXXX XXXX  @ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX REQUESTED ASSIGNMENT CONTRACT XXXX NO RESPONSE, XXXX XXXX @ XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ADDRESS THAT IS NOT MINE XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX REMOVE THESE ACCOUNTS AND ADDRESSES FROM MY CREDIT REPORTS. ATTACHED PAPERWORK. DELETE THESE ITEMS OFF MY CREDIT REPORT. NOT VALID INFORMATION HAS BEEN BREACHED MULTIPLE TIMES.
Product: Vehicle loan or lease

I had a lease for a XXXX XXXX. Near the end of the lease, I went in to XXXX XXXX XXXX, in XXXX XXXX, GA looking to purchase a car to replace the XXXX. The sales person and also general manager told me that if I purchase a car with them, and work with their finance person ( instead of getting a loan on my own ), I would not have to pay the final lease payment of {$280.00}. It shows 'none ' for 'balance owed on trade ' on the purchase agreement for the new vehicle ( attached ). 
After many calls, texts and exchange of information, they are still billing me for the last payment, and have now sent the 'debt ' to a collection agency ( XXXX XXXX XXXX , XXXX , XXXX XXXX XXXX GA ). I have a confirmed text from the sales rep, stating that I don't owe any more payments ( attaching a copy of that text ), but he and the XXXX are not standing by it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 XXXXXXXX XXXX USC 1681 section 602a States I have the right to privacy.

15 USC 1681 section 604a section 2 It also states a consumer reporting agency can not furnish an accurate without my written instructions.

15 USC 1681c ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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: Student loan

I applied for a school misconduct discharge for my XXXX  student loans through Navient, on XX/XX/year> and had to make an edit on XX/XX/year>. I attended the XXXX XXXX XXXX XXXX, which is part of the XXXX XXXX schools that the federal government deemed fraudulent, and is issuing refunds for XXXX attendees. The XXXX XXXX XXXX XXXX made their announcement in XX/XX/year>. I sought out the application for school misconduct discharge, applied to it, and got a canned response on XX/XX/year>. That response did not tell me the specific reasons why my application was denied and what other proof I may have needed. Today, on XX/XX/year>, I asked for reasons why my application was denied, and I was given another canned response, and told to call a number. I called the number, and it was too busy to get through. I know for a fact that Navient XXXX  discharging these loans for school misconduct, so I demand to know why my application was denied, and a chance to redo it.
Product: Checking or savings account

The first week of XXXX I was looking on my phone for computer repair help and went through hundreds of different websites. In the process my phone was hacked into and I did not know until after the following had happened. On XX/XX/XXXX I had 3 transactions in the amount of {$100.00}, {$100.00}, and {$300.00} show up on my Regions Bank from XXXX. I contacted the bank when i noticed it because I have never used this app and they closed my debit card down and filed dispute paperwork. Then on XX/XX/XXXX I had two transactions from XXXX in the amount of {$200.00} and {$300.00}, I had no clue what XXXX even was at the time. I contacted the bank and they froze my online banking account.I received texts from someone telling me exactly what website i was currently looking at on my phone and telling me who the last person i had called was, they stated if If I went to police I would go to jail. I called Regions and asked what I needed to do and person I talked to suggested changing phone number and factory reset phone and go to branch to file fraud dispute charges.I got a new number and reset phone and the text stopped and we went into branch and filed dispute on all charges. Branch said it was clearly fraud and not to worry about anything we would get our money back. Claims were denied and they ping ponged me between multiple departments and people. then someone from Regions informed me that if I filed a police report then my claims would be approved. I went to the police station and filed a report and told the officer what had happened. I then carried report to branch and they reopened my claims.I was informed when I checked the status of claims a couple days later that they were once again closed, reasons I have been given have been changed multiple times. I was told I gave someone permission to access my online banking account which is a lie, then I was told I gave someone authorization into my computer which they never made it into but they did hack into my phone not because i gave them permission, then I was told police report was too vague and that having a police report meant nothing. I've went for multiple weeks trying to get my {$1000.00} back and talked to probably 30 different people across 4 departments and they all understand and say they see what happened but the people that review the claims keep denying them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out all that was required of me by Experian, but yet again they are stalling. If these Fraud Alerts are not deleted, I will also file a XXXX  report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found a number of mistakes on my credit report and I contacted EQUIFAX in order to resolve these issues. They have down right failed to comply with FTC Regulations and refuse to fix this issue, this is a clear violation of my consumer rights.
Product: Debt collection

I went to XXXX XXXX XXXX in XX/XX/XXXX as a referral from my doctor for XXXX XXXX. I specifically put XXXX XXXX on the patient form for the reason of my visit. However, what I received was an eye exam and a re-diagnose that I have a XXXX. At the end the doctor told me he does not perform XXXX removal and I have to go to a different doctor. I was not charged anything during my visit and no one told me I owed anything. However, months later, I received a bill for my visit for {$200.00}. I called the office to inquire about this charge and they said it is the consultation fee. I was very shocked to find out I have to pay this amount for a consultation that was merely telling me I have a XXXX, which I already know before going to XXXX XXXX XXXX. They did nothing to remove my XXXX, and did not tell me how much the consultation would cost up front. I was already diagnosed that I have a XXXX and the reason of my visit was for the removal, not to re-diagnose and tell me they do not do any XXXX removal. 

I attempted multiple calls in the following months to XXXX XXXX XXXX. They were very hard to reach due to their limited hour of operation. The billing specialist also told me to speak to the manager who was on vacation. After multiple attempts no one was able to address my issue. 

On XX/XX/XXXX I called Transworld Systems Inc. The Debtor agency about this incident. They told me to contact XXXX XXXX XXXX directly. All I wanted is to settle the amount I owe at a fair price. I do not think being charged for merely telling me I have a XXXX, which I already know ( obviously ) is fair. Also, no one has disclosed me what the charge will be. Had I know I have to pay this outrageous amount for something I already know, no one in their right mind would agree to the service. 

Today I tried calling XXXX XXXX XXXX again thinking they would've opened after the pandemic in last attempt to resolve this issue. However, their phone number is no longer in use. 

They can not just send me monthly debt collection bills without attending to my attempts to settle or even trying to justify their collection. 

I feel I have been scammed and unfairly treated.
Product: Credit reporting or other personal consumer reports

I purchased my home in XX/XX/XXXX with Caliber Home Loans who sold my mortgage to XXXX XXXX, on XXXX I refinanced my home with Caliber Home Loans. on XX/XX/XXXX there was a deed of reconveyance filed in my county with an account number on it. 
XX/XX/XXXX there is a DEED OF TRUST recorded in my county with a completely different account number on it. 
I have attempted to get all statements of my account from Caliber Home Loans, I have also filed disputes with different agencies. Caliber Home Loans now has an additional account number on reporting on my credit report with another completely different account number on it. This is Mortgage Fraud and I have been disputing these accounts with this company and their affiliates since XX/XX/XXXX. 
In XX/XX/XXXX after I have disputed multiple times and asked for different information be provided by the company they sold my information to XXXX XXXX XXXX  XXXX. XXXX XXXX  XXXX recorded documents in my county XX/XX/XXXX after I disputed it multiple times and all of my affidavits and requests for validation of debts have also been ignored. This is a clear violation of the Violation of Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, Defamation of Character and Identity Theft and securities fraud.