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

Called PNC about closing bank account because I was automatically enrolled into their accounts through the acquisition with XXXX. They are charging a service fee ( which I did not agree to signing up for ) and now saying my account is overdrawn and are trying to charge my overdraft fees for a bank account I'm not even using! 

I have this all documented and receipts of my calls with them.
Product: Payday loan

i had a loan at western finance in XXXX texas. they closed and sold my loan to sun loan without notifying me XXXX. i had no idea until i went and the building was empty. do i still owe this loan to the new creditor since i didnt sign papers with them or know they were taking over my loan?
Product: Student loan

Im currently still in school, therefore my loans arent yet due. However, trying to keep the unsubsidized loans from accruing too much interest Ive been trying to make payments each month. So I make a payment in XXXX for {$200.00}, with {$100.00} each going to my 2 unsubsidized loans with the highest balances and interest rates. I get a confirmation and I think everything is fine per usual. Only to find out nearly a month later that only {$100.00} went thru ( not to mention something strange went on with the interest/principal ). I call EDFinancial and am told that I was refunded the other {$100.00}, & theyre not sure why. Only thing is I was never refunded the money. In my bank account the {$200.00} is gone & I have a confirmation number from edfinancial that it did go thru. So wheres my other {$100.00}? And why did the {$100.00} that did go thru, not seem to process correctly at all? I ask the rep and she has no explanation or proof that there was evidence of a refund. She asks for a moment to check on things then immediate comes back asking me if Id like a refund on the amount, or if shed like me to have her reprocess it back to the loan it was supposed to go to. I ask her for a refund, and for a confirmation number or some kind of proof of actually get itshe still suggest there is none and tells me to simply wait while it processesso here I am trusting EDFinancial, who I already have had several XXXX dollars mess ups with, all of which was have been there fault, at the expense of adding thousands to my debt. 

First, in XXXX EDFinancial switches websites, and upon switching websites ; they conveniently add loans that I had already paid off back to my balance, as if I had never paid them at all. I call them for this and the man assures me this would be corrected. This added approximately {$3500.00} to my balance that I had already paid off. 

Next, instead of showing those loans as paid off, they instead remove them altogether ( so as to appear as if I hadnt made any payments ), negatively impacting me for the various programs I could be eligible for. 

If I hadnt been paying attention they would have added who knows how much to my account, and straight up stolen money in paymentsI can only imagine what theyre getting away with for people who dont pay attention as much. WHAT THEY ARE DOING IS HIGHLY ILLEGAL. People dont have time to keep track of this type of stuff and theyre purposely stalling and making mistakes they hope people wont notice, while piling on extra debt. Lawsuit incoming I can assure you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have maintained a 100 % perfect payment record of timely, on time payments for over 7 years with City National Bank ( CNB ), based in Florida. 

In XXXX, I learned of a very sick family member who had traveled overseas and ultimately was found to have been afflicted with the XXXX XXXX. 

During the time I was caring for them, on XX/XX/XXXX I closed on my home sale thereby paying off my HELOC with CNB.

I recently discovered through my credit report monitoring that CNB destroyed my XXXX  score and lowered it by almost 140 points by reporting a single late 30 day payment!! 

This payment related to when I was caring for my deathly ill relative and in the midst of my home closing transition. I called the XXXX XXXX XXXX XXXX number to politely ask them to remove the adverse credit mark due to these highly extenuating circumstances. 

I then was referred to another office who was responsive but ultimately spoke to the " powers that be '' and said that " since they get audited all the time, they could not make this adjustment for me, unless it was exclusively a bank error. '' Given my 7 year unblemished payment history and that I was involved in caring for a XXXX   victim and was advised improperly that there was no need to make the last payment as it would be adjusted on the final settlement statement when I had called them in XXXX, it is HIGHLY UNSCRUPULOUS AND AN UNFAIR BUSINESS PRACTICE TO maintain this negative mark on my credit during these troubled times and unfortunate circumstances. 

I am hopeful that you can rectify this matter with CNB promptly before me taking the next steps and involving the news media as well as the District Attorneys 's office and my local Senator. Thank you in advance for your attention.
Product: Debt collection

this debt was paid on XXXX settled with the original creditor in the amount of XXXX. 
Covington credit-19, i will attach a copy of the paid receipt, if you look at all three credit buerua it states settled and paid. 

XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX is fraudulently trying to collect on a debt already satisfied please remove this entry from all three credit buraus thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I was told by Trans Union the accounts and Fraudulent inquiries can not be removed from my credit file. I been fighting this matter quite awhile now and no resolution so I took this next step to get this matter resolved. Thank you XXXX XXXX
Product: Vehicle loan or lease

In the past 2 months my family and I have been heavily impacted by hurricane XXXX. XXXX XXXX is the only bank not acknowledging that we are part of a declared natural disaster area per XXXX. XXXX is not willing to work with me in any way and will not even give us one month to recuperate and get back on our feet. XXXX has reported me 30 days late and according to XXXX XXXX XXXX XXXX Id # XXXX ) ) they will not be deleting any 30 day negative credit reporting.. Not only was this manager so condescending and not at all compassionate, one of the representatives from the collections department ( ID # XXXX ) threatened that the car would be repossessed and hung up the phone on me after acknowledging I wanted to be transferred to customer service. XXXX has shown no consideration, no compassion, no support or concern during this difficult time. Other lenders have proactively reached out to us to assist, postponed payments, and suspended negative credit reporting since XXXX has declared our area a natural disaster.
Product: Debt collection

Repeated phone calls, 3 in a row this morning at XXXX. They leave no voicemail. Called back to find company name is diversified inc. We have received 0 mail from them and the calls have gotten to be daily on my cell phone and my parents house line. 
XXXX XXXX XXXX This has been going on for about a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

The car was in an accident due to mechanical errors. I am out on XXXX because of this accident. CarMax took the car XX/XX/XXXX but is still reporting as if I have the car. I already voluntarily relinquished the car. Since they refused to fix it after I almost died in it. They have had the car for over a month and at are fraudulently reporting as if I have the car and not paying. The account was reported XXXX past due in XXXX now it's says XXXX past due and I don't even own it. They already sold it and they keep calling me every day harrasing me about the car when it's sold to someone else. I tried to pay them in XXXX for the car back if they corrected my credit report to say that it was not late or past due. Because it really wasn't if they fixed it so that I can drive. They are lying on me and it's distasteful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm demanding a Method of Verification for the following unknown and unauthorized disputed accounts inwhich my identity has been compromised via the dark web inwhich should of been an aftermath from the XXXX data breach. So since I've previously disputed the following I was never provided with physical documentation from that investigation this is why I'm demanding the Method of Verification and if you nor your companies can not provide such then you shall remove the following : ( 1 ) XXXX XXXX XXXX {$1300.00} ( 2 ) XXXX {$2100.00} ( 3 ) XXXX {$2500.00} ( 4 ) XXXX XXXX XXXX {$10000.00} ( 5 ) XXXX XXXX {$250.00} ( 6 ) XXXX XXXX XXXX ( 7 ) XXXX XXXX XXXX {$800.00}
Product: Checking or savings account

My Chase bank account was recently hacked and {$3000.00} was stolen to purchase tickets to a sporting event. I filed a claim with Chase the second I noticed that it was not me who purchased the tickets. Because the ticket vendor was able to provide my name, email address and home address, my claim was denied multiple times. I'm terrified that all an institution like Chase/Visa needs to allow a criminal to get away with hacking and stealing money out of an account is a Name, an email, and a home address. I've spent over a month now trying to get this resolved and they've just informed me that the case is closed and that I will not be able to submit any more claims. There was other fraud that took place around the same time with my account that Chase remedied. I have other evidence that it was not me, as well. They would not hear my case. They were satisfied that the merchant ( XXXX XXXX ) provided " sufficient evidence '' ( email, name and home address ). I'm not sure what else I can do at this point. I can provide additional information as needed ( documents, emails, etc ).
Product: Credit reporting or other personal consumer reports

This is a follow up to my other opened complaint regarding a delinquency which suddenly appeared on my TransUnion credit report. I did initially not recognize the credit Union which reported the delinquency in XXXX. It turns out my old credit union merged with XXXX XXXX hence the name change. Irrespective the delinquency occurred over XXXX XXXX ago as you can see the loan was taken in XXXX. The XXXX XXXX initially occurred in XXXX so why is it just now be reported again some XXXX XXXX later
Product: Mortgage

in XX/XX/XXXX I paid to cardinals financial theamount of {$5500.00} due to payments missing. After that month I been paying the monthly payments. On XX/XX/XXXX I was notified that my loan again was in process for foreclouse. I contact their deparment and i was informed that my loan only was missing XX/XX/XXXXand XX/XX/XXXX payment. I contacted their law fim XXXX XXXX XXXX and they send me reinstament quote for the amount of {$9100.00} per their statement I am behing 666  payments which does not make sense. Their refuse to give me a history of payment starting from XX/XX/XXXX to now to see how and what payments are missing. I was told by this law firm that I have to pay this, but why if I dont own them this amount. the loan # XXXX with Cardinals fiancial ( XXXX ). their aw firm is XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX | XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX, GA XXXX Fax : XXXX XXXX XXXX
Product: Debt collection

Calls every day starting XXXX/XXXX/15, Sunday included. Leaves no message. When I XXXX the number, comments indicated Penn Credit. They have called:XX/XX/2015 XXXXXX/XX/2015 XXXXXX/XX/2015 XXXXXX/XX/2015 XXXXXX/XX/2015 XXXXI have no outstanding debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 someone try to fraudulently attain a personal loan in my name from XXXXXXXX XXXX XXXX, They did not get through. However, their actions left an hard inquiry on my Transunion and XXXX credit reports. I tried to rectify the matter XXXX however, was unsuccessful.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX 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 addresses that I have never lived at before. 

These addresses were used to open accounts in my name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are the accounts in my name that stems from the identity theft : 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 {$24000.00} Enclosed is a copy of a FTC report stating the items that were opened in my name. These accounts have resulted in several fraudulent addresses appearing on my consumer FICO credit report. I've attached a list of the addresses in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent addresses. I do not recognize the aforementioned addresses as reported. The aforementioned addresses appearing on my consumer credit report maintained by you were not initiated by me. All of the aforementioned addresses are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned addresses are the result of identity theft and fraud.
Product: Checking or savings account

Complaint Regarding Unfulfilled Checking Account Bonus Offer I opened a checking account with U.S. Bank on XX/XX/year>. At the time of account opening, the bank clearly advertised a promotional offer of up to {$450.00}, to be disbursed within **seven days** after completing the required steps. 

I completed all the required steps by the last week of XXXX, as confirmed by a U.S. Bank representative during a phone inquiry. Despite this, the promised bonus has not been credited to my account. After previously filing a complaint with CFPB, a representative from U.S. Bank sent a reply with the following information : " Please note that the promotional offer information which you attached to your request for assistance is not the promotional offer for which you applied. '' The response from the U.S. Bank is incorrect. The link through which I applied for the promotional offer is : https : XXXX? XXXX The terms for the bonus offer is clearly stated on the the webpage twice : XXXX ) Frequently Asked Questions : " Your statement will show your checking bonus as an adjusted interest credit within XXXX days after you have completed required activities. Your account must be open and have a positive balance. '' XXXX ) Disclosures : " Your checking bonus ( 'adjusted interest ' ) will be credited to your new checking account within XXXX days following the completion of all the offer requirements. '' The representative also enclosed a PDF file containing a promotional offer with different terms and timelines of bonus dispersement, which was not the offer I applied for. 

The bonus I was supposed to receive has been unfairly delayed for more than a month. I am requesting that U.S. Bank honor its original commitment and immediately credit my account with the promised bonus. 

Thank you for addressing this issue promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed multiple disputes with this company by the name of XXXX XXXX with the credit bureaus ( TRANSUNION, AND XXXX ) and which all of them were deemed as verified, and in my disputes, I have asked them multiple times to provide me with original documentation with original signatures that the debt is owed by me. The Credit Bureau have been unable to provide this information every single time, but still deeming this account as verified come back as verified this leaves me, without providing me the proper documentation I have asked for which is the law. This makes me believe the investigation was improper and incomplete.
Product: Credit reporting or other personal consumer reports

After reviewing m report i found many inaccuracies on my report the this is a violation of the fcra 1681 ( e ) ( b ) the law states that whenever a consumer reporting agency reports on a consumer report they should follow reasonable procedures to assure maximum possible accuracy of the information on a consumer report the following accounts reports late payments that need to be updated from late to current according to fcra : XXXX XXXX Acct # XXXX 30 days late from XXXX, XXXXXXXX XXXX XXXX XXXX and 30 days late XXXX, XXXX XXXX XXXX, XXXX and 60 days late XXXX XXXX XXXX  please update to current, XXXX XXXX Acct # XXXX XXXX days late for XXXX XXXX60 days late for APR 90 days late for XXXX and 120 days late for XXXXXXXX XXXX XXXX XXXX XXXX Acct # XXXX 30 days late XXXX of XXXX, XXXXXXXX XXXX XXXX  ss Acct # XXXX 30 days late XXXX of XXXX Also i found one unauthorized inquire on my report performance on XX/XX/XXXX please delete inaccurate inquiry
Product: Checking or savings account

XX/XX/2022 Someone fraudulently used my name to withdraw XXXX XXXX from my account. I reported it to the bank the next day. The bank kept saying that they were investigating. Refused to claim. This time I have to call the police. 
XX/XX/2022 Once again, someone used my name and driver 's license to withdraw XXXX XXXX from my account. I didn't leave my side during the period of my driver 's license and other ID documents. I also felt incredible, but the bank refused to settle the claim.
Product: Money transfer, virtual currency, or money service

Hello, I am filling a complaint against the company Cashapp legal name ( BLOCk , Inc . ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations. The cashapp : $ XXXX
Product: Checking or savings account

Dear Sir/Madam, I am XXXX XXXX XXXX XXXX I have been a bank of America customer since XX/XX/2014, and my account has been active throughout these periods. I was the preferred reward member. 
My account was closed without notice to put my house in order with my monthly bills and subscriptions linked to my account and debit card. 
Furthermore, I received my bank account transaction update mail today at XXXX XXXX. 

The XXXX told me at the Bank of America XXXX XXXX that there was nothing I could do about my account closure and that the bank has a right to close my account anytime without giving me any reason. 
The Bank 's action has affected my reputation and integrity. 


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

This is my second time reaching out to Experian, XXXX, XXXX XXXX to request a investigation on the following account. XXXX I am not requesting Experian to validate the information that is reporting. I was a Victim of Identity theft I have provide the police report and FTC regarding this account. After contacting the first Collection that was reporting the account XXXX XXXX XXXX XXXX this company sold the account to XXXX XXXX XXXX. After I requested the company to remove this account due the fraud. I am requesting Experian to BLOCK the reporting of this account from being reported and resold by debt buyers.
Product: Credit reporting or other personal consumer reports

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXXXX/XX/XXXX
Product: Mortgage

Its been more than 4 years that we have requested unsuccessfully access to the table that the First Bank used to compute the prevailing maximum rate for the conventional mortgage from XX/XX/XXXX to XX/XX/XXXX and also we have send First Bank a certified letter on XX/XX/XXXX describing in details why we are requesting that table. The certified letter was received but until this day has n't been answer.
Product: Student loan

Navient sent a notice in the mail saying my payment was going to go up to over {$1500.00} a month in a little under a year. I called them and the representative asked for all current expenses. After listing all expenses, I was told the computer said that I had an ability to pay the {$1500.00} a month. Not only that but the representative said that the notice was wrong and the payment would be going up to {$1700.00} a month. This payment alone is over 45 % of my income.
Product: Credit card or prepaid card

In the latter years before he passed. He had XXXX as well as a manipulative GF that milked him dry. I don't know who came up with the idea, but XXXX XXXX from 2 companies ( XXXX and XXXXXXXX XXXX XXXX  ) I only use XXXX and XXXX and XXXX XXXXs as long as I can remember. Then high limit cards appearing and finally they merged our reports. I never lived in XXXX 's XXXX, my father did. I never had a XXXX XXXX XXXX either but it's on my report and I had a near 800 score before I started checking my credit more often and kept seeing it drop. It wasn't until I was getting late payment notices.. over limit card notices. Poor utilization as welI.I rarely go over 30 % utilization. But suddenly I was getting overwhelmed financially. I didn't know for sure what was happening. Until I received a collection for an ambulance ride from his house to the local hospital. Then it started making sense. Nobody wants to believe that their dad is stealing from them but while I had notions. The Ambulance ride unfortunately secured my conviction that it is or was just my father and his XXXX XXXX  GF. He'd never do that on his own because I would have gladly bought him a new phone.. but not her.. I think that was the beginning of using my SS # to apply for credit. It's sad it came to this but I've been rebuilding my credit to little or no success. What is my next option, please?
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, {$1000.00}, Citi Cards , this account was paid and no late payments, it is showing up on my credit report as negative item.
XX/XX/XXXX, {$1000.00}, Citibank , this account was paid and no late payments, it is showing up on my credit report as negative item. XX/XX/XXXX, {$1500.00}, XXXX XXXX, this account had no late payments and I did not used this card for a year the company inactive the account. showing on my credit report as a negative item. XX/XX/XXXX, {$1500.00}, XXXX XXXX , this account had no late payments and I did not used this card for a year the company inactive the account. showing on my report as a negative item.