23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I have a account with XXXX other pnc users but after alittle while i noticed money missing i ask the XXXX pnc users and the said money has disappeared and when we look it up online it shows where it has bin tltaken out but it doesnt show witch card number i had atleast XXXX dollars in this card and for it just to be gone and not able to do anything is outrageous can u help please and thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXXXXXX 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, credit repair services, or other personal consumer reports

The XXXX Credit Bureau is reporting inaccurate information in XXXX XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance Owed : {$790.00}
Product: Credit reporting or other personal consumer reports

I have no connection with these inquiries or the creditors mentioned.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I have credit monitoring since this happened. I am noticing that there are a lot of companies pulling my credit and I have reported to all credit bureaus this matter. they are telling me they can't remove it for 2 years if I am telling you in a dispute that these aren't my credit inquires than you should be removing them.. I am in the process of buying a house and I can't have this happening and especially if no consent is given XXXX, XXXX and Experian are failing to remove these inquires.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous of letters to XXXX, equifax, XXXX! We have not heard a response in XXXX business days. By law if nothing is sent in 30 days they are to remove all accounts listed below. Also by law 15 USC 1681i says that there credit investigation would be done with a neighbor and they have not followed the laws. In my letters I stated I was take action. 

These are the accounts below : XXXX XXXX XXXX XXXXXXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and remove all Listed accounts from all bureaus.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. 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 did 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 reasonable 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 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

Experian is reporting several unauthorized inquires on my credit report.
Product: Checking or savings account

So I had and issue with this so the Wells Fargo closed my account because I had too many Debit claims on the account and I filed a claim with Wells Fargo with the mediation department and they handled the situation very poorly I was refered to the cfpb because I have exhausted my claims with Wells Fargo and they told me to turn in a claim with the cfpb so Im doing it now I received a check for {$1700.00} and a check for {$2000.00} with the arbitration and the mediation and arbitrator handled things the wrong way the representative from Wells Fargo low balled me a check and I was so mad that I explained to the arbitrator this is a joke why do I have to be XXXX XXXX its ridiculous and Wells Fargo handle the mediation very poorly the representative didnt want to speak any further about this and I was upset how it was handled Wells Fargo and their company dont know how to handle mediation appointments when u meet with them they dont care to have to listen to you all they care is about themselves they wont let you explain things why u want this money or whatever they just want to get it all over with and never care about your feelings I have a major XXXX and I think it was handled the wrong way Im hoping to get a check up to {$15000.00} or whatever is agreeable for all this comotion and XXXX XXXX me wont cut it we have to agree on this issue because this issue is totally uncalled for so i do have a pending case with the federal court system in the state of Utah regarding how Wells Fargo treated me thats a totally different matter this matter is dealing with the arbitrator and the Wells Fargo representative how they treated me and not wanting me to explain my situation and XXXX XXXX  me a low ball number so anyway just wanted to clarrify that with you so Im hoping we can resolve this matter with a check up to {$15000.00} like I said I was refered to by Wells Fargo do that we can get this resolved asap let me know what we can come up with numbers wise hope this is good info
Product: Debt collection

there is 5 accounts with XXXX XXXX XXXX acct no, XXXX for {$3000.00} acct no XXXX for {$2300.00} acct no. XXXX for {$1600.00} acct no. XXXX for {$410.00} acct no.XXXX for {$390.00} I reported to Equilfax that these do not belong to me for the past 12 years and can not get them to remove them ... .. then XXXX   XXXX acct no.XXXX  for {$220.00} then XXXX XXXX XXXX acct no . XXXX for {$200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax gets hacked, I try to freeze my credit and all I get from Equifax is a run around!! Ca n't talk to a person ( like I could with XXXX & XXXX, WHO DID NOT CREATE THIS PROBLEM ). Answer all the questions on their automated message and then get put on hold and hung up on. Try to do it via internet and I get " unable to complete your request ''. Equifax should be put out of business!
Product: Debt collection

My husband passed away a few years ago. However, he did assign a credit card to me as an authorized signer. He was the responsible party on the account. Therefore, I respectfully request the removal of my name from the account, and the deletion of any reference to the account on all of my pertinent credit reports.
Product: Credit reporting or other personal consumer reports

Negligent enhancement of identity Fraud Violation of FCRA Failing to comply with 15 USC 1692 ( g ) Violation under15 USC 1681 a ( 4 ) right to privacy I will seek damages, including but not limited to, statutory cost, with each violation incurring a statutory cost of {$1000.00} as specified 15 USC XXXX
Product: Checking or savings account

I made a deposit in XXXX, XX/XX/year>, it was through their mobile app. They immeditaely placed the funds on hold and won't release them to me even though I have made several pleas to them so I can purchase my life saving prescriptions, pay my bills, and buy food. 

I now risk being XXXXXXXX XXXX XXXX facing eviction, and having my kids starve.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX  card from XXXX  was cancelled by the merchant along with many others as they were going to replace it with an XXXX  card from XXXX XXXX that will arrive in XX/XX/XXXX. Equifax received this notification from XXXX   and Equifax reported this without any reason for the card being canceled My credit score on XXXX XXXX from Equifax went from XXXX on XX/XX/XXXX to XXXX a 134 point change on XX/XX/XXXX. My XXXX score remained the same at XXXX. I filed a dispute with Equifax and with XXXX XXXX. I have spoken with XXXX XXXX and have not heard from anyone .I have had the XXXX XXXX XXXX Card for over 9 years XXXX XXXX # XXXX card # XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was contacted by a person representing themselves as XXXX XXXX, a XXXX  national living in XXXX, XXXX. He sounded legitimate, so I agreed to what seemed like a too good to be true offer at the risk of {$49.00} to begin with. He had me attempt the transfer through a company called Wise, which has acted in extremely bad faith, threatened and coerced me, to make payments to them through unusual and uncustomary means requiring me to share excessive personal information such as copies of my passport with them, to the point of refusing my payment to clear the matter up rather than accept any usual and customary form of payment such as personal check, credit or debit card, XXXX or XXXX. 

On XX/XX/2023 XXXX XXXX used his access to my ads account on XXXX to create an unauthorized XXXX account, which apparently was bad enough that it immediately violated XXXX XXXX community policies and caused my XXXX, and all XXXX  accounts ( XXXX ) to be disabled. 

In retrospect, it appears that Wise may be involved in some kind of money laundering scheme with this person representing themselves as XXXX XXXX. I suspect I was being set up for a much larger transfer and identity theft due to the proposed deal with XXXX XXXX. Furthermore, with his, confirmed by bank transfer, connection to XXXX, I have become somewhat concerned that this money laundering may have some connection to XXXX XXXX
Product: Mortgage

I had a home equity line of credit with PNC Bank that I closed in 2014. The account is still being reported on my credit report as opened. This action on PNC Banks part is preventing me from applying for other mortgage loans since banks are under the impression that I still have an active account with PNC Bank. This account needs to be CLOSED immediately and expunged from my credit report. 
Its been over a month that I have been contacting PNC Bank a nobody seems to be able to help me. I have sent a signed written request asking that the account be closed so I can go about my personal business. I need this done immediately!!!!!! 
Account number : XXXX Home Equity Line of credit with PNC Bank
Product: Credit reporting or other personal consumer reports

I am in shock. I took a look at my credit report and noticed several accounts I did not open or even apply for. I notified the companies to let them know I did not apply for these accounts however the accounts have been repeatedly reported negatively to my credit profile. These negative accounts are stopping me from moving to another level in my life. Which is causing XXXX  XXXX. I am at the end and I do not know what else to do about these accounts. 

These big name companies with big pockets are violating my rights and hurting my small pockets. Virtually and financially XXXX XXXX. Keeping me in poverty and unable to survive and sustain the american dream. I know this is wrong morally and according to the law 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I have attached a copy of my identity theft report. Thank you for your attention to this matter.
Product: Checking or savings account

I git a deposit from XXXX XXXX and I get a message negative in my account XXXX XXXX I go in my online account so I call they saying all this XXXX lies as always to cover up their mistakes ( seen on the news ) that Wells Fargo had problems with late deposit I know I had enough money in my account shouldn't be negative now I look a hour ago its XXXX dollars now they just making up stuff and I see XXXX things from a place I paid already the member fee
Product: Student loan

Thank you for taking the time to read my complaint. Sallie Mae are the worst people in the world. I filed bankruptcy and Sallie Mae refuses to agree to discharge my loans. This is absolutely absurd. I am a teacher, not a millionaire. I am trying to get back on my feet and they are making things horrible. This should not be the case for teachers.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Illegal Reinsertion and Deceptive Collection Practices Dear Legal Team, The collection previously deleted by XXXX XXXX XXXX  has been illegally reinserted using false, deceptive and misleading practices. 

XXXX XXXX XXXX commits false, misleading and unfair practices illegally reinserting a previously deleted collection with the same original creditor by arbitrarily reporting a false balance and account number : XXXX XXXX XXXX XXXX ; Open Date XX/XX/XXXX ; Account # XXXX ; Balance : {$2100.00} vs. the newly inserted XXXX XXXX XXXX XXXX  : Open Date XX/XX/XXXX ; Account # XXXX ; Balance : {$610.00}. 

Please help.
Product: Debt collection

WE HAVE RECEIVED HUNDREDS OF PHONE MESSAGES ABOUT A DEBT FROM NATIONAL ENTERPRISE XXXX XXXX XXXX XXXX XXXX. 

WHENEVER WE CALL BACK THERE IS NO ONE AT THIS NUMBER TO TAKE CALLS OR LEAVE MESSAGE. 

WE HAVE NO DEBTS THAT ARE NOT PAID TIMELY. WE HAVE FICO SCORES IN THE MID 800 'S AND WE ARE SICK SICK SICK OF THIS ONGOIING NEVERENDING HARRASMENT CALL AFTER CALL AFTER CALL TO XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

experian In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, has violated my rights. 

XXXX XXXXXXXX XXXX  account XXXX XXXX, has violated my rights. 

XXXX XXXXXXXX XXXX  account XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX account # XXXX, has violated my rights. 

XXXXXXXX XXXX  XXXX account # XXXX, has violated my rights. 

XXXX XXXX account # XXXX, has violated my rights. 

XXXX account # 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: Checking or savings account

I had a account with chime, I received a {$20000.00} deposit in XXXX XXXXChime close my account.so on XX/XX/2021 I received another deposit of {$20000.00}, but the account had already been closed.I contacted chime and ask them to return the money back.I never received a rresponse.so I was thinking the money was returned.Till the company contacted me yesterday.I contacted chime again yesterday no response
Product: Credit card or prepaid card

I paid off a balance transfer. Chase did not allocated my payments to my balance transfer. This resulted in overcharges and additional interest at Chase 's benefit and my loss. I contacted chase in XXXX. They verified it was a mistake. I was told the account would be reviewed and fixed in 14 days. It was not. This month, I still was charged. XXXX, from XXXX, XXXX stated I had to pay purchases off too, incorrect. I now believe I have been overcharge from the date of the transfer. I am requesting a review of my account from the date the balance was transferred to date and how the money was allocated. I'm requesting my account is refunded the interest and the amount I was overcharged. I was told today, XX/XX/XXXX and XXXX from XXXX was confused about the balance transfer rules and disregarded my concerns and suggested I still owed. She would not transfer me to another person to resolve it. She was determined to not review my account in depth and gave me knee jerk reaction and inaccurate information in which she totally did not know the rules to balance transfers. In the meantime, I, the customer is at a lost. 
I am recurring debt that was paid off. Chase - Amazon has cause damage to my finances and credit reporting is inaccurate. Chase refused to correct the account.
Product: Consumer Loan

I had an auto loan with First Niagara who was bought by KeyBank. The merger happened XX/XX/2016. I paid my XX/XX/2016 auto payment electronically - which I have proof of from my financial institution ( it was paid via Bill Payment electronically ). I received a past due notice on XX/XX/2016. I called the number on the past due notice on XX/XX/2016 and questioned it. I was informed they did not receive my payment. They were going to submit a research request, which I was told would take 10 days. They were to call me with the outcome. I did not hear from them so I called again on XX/XX/2016. They still had not found my payment. I told them it was done electronically and I would provide proof of payment from my financial institution. I faxed over the proof of payment on XX/XX/2016 to the phone number they provided me. Each time I call it takes me at least 25 minutes on hold to get to someone in the loan department. I still do not hear anything. On XX/XX/2016 I receive another past due notice. PLEASE NOTE - I made my XX/XX/2016 payment with no problem ( so I am continuing to pay because that is what a responsible individual does - pays their bills on time ). I call again and go through the story again. This time they tell me they are going to expedite the research and it should only take 3 days. I confirmed the fax number again and faxed the information again. Now the fax has XXXX Service Request numbers! I still have not heard a word from the Loan Department at KeyBank HOWEVER -- I have had not one but two collection calls. I have explained my situation as nice as I can but I ask them " Did you even read the notes on my account? That I am having an issue and it is being researched? '' They could care less. In a nutshell I have done everything I can to help KeyBank find my lost electronic loan payment. They have not called me or made any acknowledgment that I have contacted them multiple times about this issue. They have done NOTHING TO HELP ME except for have collectors call me! I am very concern this is going to hurt my credit score but all they say is " we can waive the late fee ''. I ask you -- How is that going to help me when they report me more than 30 days late on a loan?. Please help.
Product: Debt collection

I have received numerous ( weekly, then daily ) calls from a Synchrony Bank starting on XX/XX/XXXX through XX/XX/XXXX. The caller ID indicates the following numbers : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX. The voicemail message left states the call is from Synchrony Bank and to call the customer service # XXXX XXXX XXXX XXXX for faster service. I do not have a bank account at Synchrony Bank. When calling the customer service # or the XXXX XXXX XXXX XXXX, the automated " teller '' requests that you enter or " say '' a full bank account # or full credit card # or full SSN ( not just last 4 digits but full SSN ) to " pull up your account '' in order to speak to an agent ; there are no other options. Another recording starts off by asking if you want to make a payment on your account and then immediately asks you to enter your debit card #. It takes three rounds of asking for this personal information before the automated voice gives you the option to " say I do not have that '' - it is not clear up front how you get to speak to a customer service agent without giving out your personal information. This is a clear red flag for a scam or fraud phone call - and if Synchrony Bank is real - then it is completely inappropriate to require a customer to enter this information over the phone to identify themselves. People all over the internet are reporting receiving scam calls from Synchrony Bank. On XX/XX/XXXX, I waited on hold over 15 minutes and finally got a live person on the phone. She asked me for the phone # that was being called and gave me some fake names of people she was trying to get in touch with. If these are legitimate calls ( I would suspect for debt collection ), the voicemail should state the name of the person ( s ) they are trying to reach and give a number that does not require you to enter your SSN before you can speak to a live person - you should have the choice to speak to an agent without entering your bank information. I have had the XXXX # since XXXX. The person I spoke with did tell me that the Bank would take my number out of the caller database - but I am not convinced that these are not scam calls.
Product: Checking or savings account

Excessive overdrafts fees being taken out after confirmation of available funds in my account starting from 2023 totaling in more then {$500.00}
Product: Mortgage

The servicing of my mortgage note was recently transferred to LoanCare. Why, as a consumer, do I not have a say in the company servicing my mortgage? I have had several mortgages in my lifetime and all of them have been consistent with one another until now. I had no say in the matter and as of now, have no choice but to accept LoanCare as my current mortgage servicer. The problem I have is that I have become accustomed to the grace period of 16 days. Monthly mortgage payment is due on the XXXX of the month and considered late if payment not received by the XXXX of that month. Now that I am stuck with loancare, and have no choice, I am being charged to make a payment unless I apply for auto withdrawal out of my account or make an online payment by the XXXX of each month. How is this possible? I have been paying my mortgage on time by the XXXX for years. All of a sudden out of nowhere, the servicing rights of my mortgage change and now I have to pay a fee in order to make a payment? This is absurd. How is it not law that servicers can not charge a fee unless payment is received after the XXXX of the month? It should be the same across the board. I don't want to work with loancare. I want a new mortgage servicer. How do I make this change? Please advise as I refuse to pay a fee if I want to make a mortgage payment on the XXXX of each month.
Product: Debt collection

BARCLAYS BANK DELAWARE Opened : XX/XX/2017 I am requesting a 1099C, financing statement, insurance information and take down letter within 15 days for this request. 

Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted various documentation to Experian and XXXX that the debt reported by XXXX XXXX XXXX should be removed because I do not owe anything and the account was not removed nor was it properly investigated.