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

I am a Client of BBVA Compass Bank. This bank was acquired by PNC Bank. 
PNC bank sent notice that the new portal will have all our accounts transferred on XXXX. 
Schedule - published XX/XX/XXXX - Friday XXXX - Online and mobile access not available XX/XX/XXXX - Tuesday Transfered to PNC Bank and start using PNC Bank . 

Unfortunately nothing happened. 

XX/XX/XXXX - onwards - No access to accounts online or thru app.. 
XX/XX/XXXX or XXXX have access to personal account called virtual wallet and another business account that is not much used. 

No access to my main accounts and funds.. or the bill pay for paying bills. 

phones didn't work. current branch in XXXX is overwhelmed by crowd a no one is having access. We were asked to come back XXXXFriday again went to bank and after waiting for an hour, they asked me to fill the form with all the bank accounts that i need access and they would then link them. - XXXX time 3-4 days No response or change - no response to calls. 
XX/XX/XXXX - No access and no response from bank XX/XX/XXXX - called again - Still no access to bank. This time they asked me again to give them the account details so they can link. 

MEANWHILE ALL NY PAYMENTS FROM BILL PAY ARE DELAYED AND I DONT HAVE ACCESS TO MY BUSINESS ACCOUNT FROM XXXX ONWARDS. 

Auto payments to bills worked fortunately. 

XX/XX/XXXX - ACCESS TO ACCOUNTS BUT NO BILL PAY DATA. 
Now they are telling me that i have to enter all the data again. I complained to the supervisor and they said the super visor will call me - No response since 2 days. 

Please help. 
I don't have access to the bill pay nor do i remember the 40 -50 accounts that i setup. nor do i have the time to enter it all again.. 

Absolute horrible service by the bank and holding us hostage by not giving us access to our funds.
Product: Payday loan, title loan, or personal loan

My client set up a recurring payment with Wells Fargo and they started withdrawing duplicate payments without my permission. She had to refinance the debt with another lender in order to stop the duplicate payments. Please see the attached document for additional information
Product: Mortgage

Ocwen ignore the Temporary Restraining Order from the XXXX XXXX of the State of California in an for XXXX XXXX of XXXX XXXX. Ocwen and their trustee XXXX, XXXX. XXXX XXXX and XXXX, XXXX continue foreclosure on our house, the sale date is XXXX XXXX, XXXX. 
Ocwen violate The California XXXX XXXX of Rights ( XXXX ) in many ways. I submit the loan mod on XXXX XXXX, Ocwen continued to charge late fees for periods during which a complete loan modification application is under consideration, during an appeal. Ocwen denial did not include a detailed explanation for their decision. XXXX requires the servicer to assign borrowers an accountable single point of contact ( XXXX ) to help navigate the loan modification/foreclosure process, upon request from a borrower who requests a foreclosure prevention alternative. I am writing to request correction of the error described below in regard to the mortgage on my property at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Payment Errors : I need your company send me the complete payment history for this account from the day XXXX signed on the note : XXXX XXXX, XXXX Fee Errors : Your company incorrectly imposed a late fee. I need a breakdown for all the fee/cost/payment and any other amount on your reinstatement statement. Please be very specific and very detailed for single dollar you put in it.
Product: Credit reporting or other personal consumer reports

There is a public record on my Experian, XXXX and XXXX credit reports along with other credit reporting services. When I try to dispute the public record which shows a XXXX, I am told they are getting the information from XXXX XXXX. I requested that XXXX XXXX, Experian, XXXX and XXXX validate this debt and none responded to my letter. 
Experian certfied mail # XXXX XXXX XXXX XXXX XXXX XXXX mailed XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX mailed XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX mailed XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX mailed XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

While looking at my consumer report, I see that Equifax placed two accounts on my report without my acknowledgement. Can you help me resolve this? 

XXXX CARD # XXXX XXXX XXXX  # XXXX Attached is my ID and Passport
Product: Credit card or prepaid card

Credit Karma e-mailed me on 3 separate occasions telling me that my approvals odds were excellent for getting a personal loan and a new credit card. I applied to 3 different places for a personal loan that they recommended and said I had outstanding approval odds and got denied by all 3. I also applied to a credit card that they said I had outstanding approval odds for and again got denied. This has affected my credit score to drop because of them lying to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, the consumer and natural person never gave consent to Experian, XXXX, and XXXX to sell my information to collectors and debtors! I, the consumer and natural person never submitted a document stating what I want to be reported on my credit report! These Credit Bureaus have been selling my information for years without my consent, Ive sent multiple letters in demanding them to remove inaccurate information from my report, inaccurate addresses, and also other people addresses are reporting on my file! I have many inquiries on my report but I havent not received any products or services, since my social security number was used ( credit card ) this is really damaging my ability to get a home as Im being discriminated against for not having a certain number, I cant get an vehicle for my own personal use! This has caused so much DAMAGE as I was unaware that my information is being sold without my consent! Its all fraudulent! I will like to be compensated a clear consumer report and also to be compensated {$250000.00} for damaging of my property and using my signature without my consent!
Product: Credit card

We have been COSTCO Executive Business members for over 10 years now. Recently, Costco switched their contract from XXXX XXXX credit card to CitiBank credit card. We chose not to activate the new CitiBank card ; paid off all outstanding balance accumulated on the XXXX XXXX card, closed XXXX XXXX account and shredded the CitiBank card mailed to us shortly before the transition. To our surprise, a month or so later we received a statement from CitiBank indicating that we have an outstanding balance with CitiBank. All my attempt to explain to the customer service that we do not have any relationship with CitiBank, never signed any agreements with the company, do not even have a CitiBank card in our possession, or know our CitiBank credit card account number failed. On XXXX XXXX, 2016, I spoke with a XXXX who explained that the balance was for COSTCO membership which was automatically transferred from XXXX XXXX to CitiBank. Since we do not have XXXX contractual relationship with CitiBank, I chose to pay our membership fees at the Costco warehouse directly. Yet, a month later we received another statement from CitiBank, now imposing an interest to the previous balance. I called customer service on XXXX XXXX, 2016, and spoke to a XXXX at ID # XXXX who assured me that the account would be closed within XXXX10 business days. Today, XXXX XXXX, 2016, I have received yet another statement from CitiBank. It still lists outstanding balance and interest. What gives this credit card company the right to harass me? I did not accept or solicit or seek their product, and refused on multiple occasions to use it. I acted in good faith and attempted to find out the origin of their repetitive billing. I spoke to various customer service representatives and have notes of those conversations. If there is no account, no credit card, no activity, and no agreement between us, what exactly am I being charged for?
Product: Credit reporting

XXXX XXXX XXXX is mis reporting to Experian a collection that is 7 years old. It is a reporting a balance of {$500.00} with a date of last activity of XX/XX/XXXX in error.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payments on my credit report and balance on a charged off account. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Correction Needed : FCRA Violations in My Credit Report Dear Transunion, I trust this message finds you well. I'm writing urgently to address significant discrepancies in my credit report that directly contravene the guidelines established by the Fair Credit Reporting Act ( FCRA ). Following a thorough review of my credit profile, it's apparent that multiple errors persist, pointing to a substantial oversight of FCRA regulations within your agency. 

To highlight the critical points : The Fair Credit Reporting Act is a vital federal statute that governs the accurate collection, retention, and transparent dissemination of consumer credit information. 

Instances of FCRA violations in my case include : Creditors providing inaccurate financial data to reporting agencies. 
Reporting agencies merging individuals ' information due to name or social security number similarities. 
Neglect of prescribed dispute handling protocols by agencies. 
Under the Fair Credit Reporting Act, I am entitled to : Verify the accuracy of my report, especially for employment purposes. 
Receive notification if my information has been used against me in credit applications or other transactions. 
Dispute and demand rectification of incomplete, erroneous, or unverifiable data. 
Request the removal of outdated negative information within specified timelines. 
I formally request the immediate removal of the listed items below, as they blatantly breach FCRA standards due to inaccuracies, lack of verifiability, and persistent invalidation. Their presence has caused considerable distress, clearly evidenced in my recent denial for extended credita direct consequence of errors originating from your agency. 

1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

5. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX, XXXX- This is not my name. Delete it immediately from my report. 

6. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX, XXXX 7. The following personal information is incorrect Account Number : Employers : XXXX  8. The following personal information is incorrect Account XXXX : Employers : XXXX XXXX I kindly ask for prompt action to rectify these violations within the FCRA-mandated timeframe. Failure to comply may necessitate pursuing legal measures to ensure my rights under the FCRA are diligently upheld.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Placed order online for an swimming pool liner in the amount of {$98.00}. Two days later I received an email stating that item was delivered. Reached out to the merchant through email @ XXXX. I sent 3 different messages on 2 different days and still no reply back. I then called USPS and gave them the Tracking number XXXX. The agent then asked me for my shipping address. She stated that the address on the tracking is not mine and that she would open an case for the item. Service request case # XXXX for USPS>>> After contacting USPS I then call my bank which is XX/XX/XXXX ( claim # XXXX ) which then credited my account temporarily. After 90 days of XX/XX/XXXXdoing there investigation they then stated that they would not pay the claim. I have reached out to the claims department multiple times regarding this issue and I was told to contact Pay pal who then stated for me to contact my banking institution. I have missed hours from my job trying to deal with this matter and I thought that your bank has your back.
Product: Consumer Loan

I opened this loan back in XX/XX/XXXX and was scheduled to make manthyl payments of {$460.00} for the next 36 months. A problem has developed where I can no longer afford to make these payments since my medical insurance premiums jumped over 500 % for XX/XX/XXXX. I spoke to my attorney who advised me that I should file for chapter XXXX bankruptcy and that I should contact the creditor about a refinance or a resonable payoff ( settlement ) quote. In contacting the collections department and customer service I am finding that after XXXX or more calls that they are trgfising to listen and cooperate. They either do not have any information to give me or tell me that they will not negotiate ; clearly ignoring and voilating all applicable federal and state laws. If we do not reach an agreement in which I can reasonably pay off this loan, I will be forced to play all audio recordings of these phone calls in open court, demonstrating their contempt and refusal to cooperate -- resulting in the coutt ruling in my favor and forcing them to write off this debt and cease all collection efforts.
Product: Checking or savings account

Hello I submitted a claim wit JPMorgan Chase Bank for the amount of XXXX XXXX 

The morning of XX/XX/2022 I go to the Chase atm to withdraw XXXX $ but the atm didnt dispense my money. The atm printed a receipt saying error and to call customer service. Then I immediately call the number on the receipt to let them know what happened and they told me they will look into it. About 13 days goes by and on XX/XX/XXXX they credit my account the XXXX XXXX Thinking the claim was resolved they reverse the claim and sends my account XXXX $ on XX/XX/XXXX. Immediately I call the claims department for them to look into it and they told I cant reopen my claim and that once a decision has been reached there is nothing anybody can do. I am currently overdrawn XXXX $ and tried to contact Chase 4 times because of this matter just to be told there is nothing we can do.
Product: Credit reporting or other personal consumer reports

I have always taken pride in my credit history and my credit scores. My scores have always been above XXXX. Yesterday I saw my TransUnion score had dropped XXXX points for no reason. My XXXX score is XXXX. I contacted TransUnion for an explanation and the rep told me its because Im not utilizing my available credit. I have no open loans and use only XXXX credit card. According to TU, I have not used my credit card in months. This is completely false. I use that card frequently and pay the balance regularly so I always have a XXXX balance. The rep told me the info they are getting from XXXX XXXX shows I havent used the card in months and I needed to contact them which I did. The XXXX  rep was completely bewildered by this. They have sent my info monthly to the XXXX agencies and showing my account is current, has a XXXX balance, and is in good standing. I have never missed a payment or been late on a payment for anything in my life. I contacted TransUnion again and went through the same process up front and ultimately the rep saying its because Im not using the card. I offered to send them copies of my statements for the past XXXX, XXXX, XXXX plus years showing I use the card frequently and pay the balance off monthly. They declined that offer. I asked them what federal agency I need to file a complaint with about this because the info theyre using to justify dropping my score XXXX points is completely false and its only with TransUnion this seems to be happening. Like I said earlier I pride myself on having excellent credit and an excellent credit history. It was very frustrating to me to feel like Im being punished for keeping my bills paid on time and never carrying over a monthly balance. I got absolutely nowhere with TransUnion and spoke with XXXX representatives asking them to fix their error. Thank you for any assistance you can provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

I already reached out to the credit bureaus and to CAPITAL ONE BANK USA N and notify them of their error posting for this account. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. No proof that this account belonged to me was given. No documentation was ever sent/received. The purpose of a time frame was to assure customers that disputes are taken so seriously that results must be completed within a reasonable time. They have failed to provide documentation and proof. Then I found out that the issue still persists.
Product: Debt collection

PROFESSIONAL DEBT MEDIATION closed my other request asking for my PERSONAL INFORMATION which is not allowable on these forms. I am on XXXX and you are not supposed to collect from me. Stop collecting from me for the discriminatory XXXX XXXX XXXX, for who I shouldn't have even OWED any money, nor was I given a notification of debt, even electronically. You also asked me on my last complaint for personal information, which against CFPB 's form rules and for my protection as a consumer, which is scummy, but you refuse to stop collecting from me, which goes against XXXX as my money is from the government and can not be collected from. Cease and desist, or I will report you to XXXX too.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX / XXXX I'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. in accordance with the fair credit reporting act, public law 91-506, title VI, section 611, please provide the names and business addresses of each individual with whom you verified the account, so that i may follow up, please send me an updated copy of my dredit report after your reinvestigation.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXXXXXX XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXXXXXX XXXX inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

I have been a customer with Wells Fargo Bank since 1995. Always being charged for calling in about my account, overdraft fees, and miscellaneous charges for the past 25 years.
Product: Credit card

I went to XXXX store and originally purchased items totaling {$100.00} in XXXX of XXXX. The bill was charged to an in store credit card comenity-XXXX  but I was unable to pay my bill online as website was not working. I did call to try to get assistance to pay for online and was told my only 2 options were to write a paper check and mail, or go into the store and pay. As I live 2 counties away from store, I asked for full balance and wrote a check for {$170.00}. XXXX even though the interest was obviously ridiculous just to clear it. They note this payment on XX/XX/XXXX. I told them at this time to cancel my account. They continued to bill me and harass me for continued late fees and interest, I finally sent them another check for {$100.00} which they note they received on XX/XX/XXXX just to get them off my back. Again I told them to cancel my account in writing with that payment. Now they are trying to bill me an additional {$210.00} for more late fees and interest. I have already paid over double what I charged but they keep charging late fees and interest even though the bill was paid over a year ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$3600.00}
Product: Money transfer, virtual currency, or money service

Im the customer of Chime. 
Received a deposit for {$400.00} from XXXX. 
I send this amount to gma XXXX XXXX ( contact on my phone/my grandma that not a chime member ) She is XXXX yo, once she received alert on her phone, she didnt do anything but waited for me the nextday. I teach her to claim without to be a member, by providing her debitcard. 
She successfully add hers and it alert me that the fund its claimed. 
Her bank is XXXX XXXX, we waited a day, week, and it reach month. 
XX/XX/XXXX send and claimed on XX/XX/XXXX We went to her bank, they cant see any transfer with that amount, and i reached chime representative call and text with XXXX XXXX person. All of them with the same suggestion said the fund its claimed, the last conversation said, after they deny my complain, i need to submit my grandma bank statement on XXXX. I dont believe to share that information, the worse one, chime email me that they will disconnect relation with me as customer without any specific reason, the next day i called one of the rep said that their internal police department are investigating my account, weird. 
I can give all my acc # and all info if necessary Acc # XXXX routing # XXXX Address XXXX XXXX XXXX XXXX XXXX, MD