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

We maintained a money market account at PNC with a balance over {$1.00} XXXX and decided to close the account primarily because of poor customer service over the years. I went in to the PNC branch ( XXXX NJ ) and met with a XXXX regarding closing the account. During the conversation with the XXXX I asked how much interest I would be receiving. The XXXX replied that since the closing was off cycle I would lose the interest. I told him that I did not want to lose over {$800.00} of interest and that I would wait until XX/XX/XXXX to close the account. He said that he had already initiated the closing ( I had not known this ). He asked if I wanted to reverse the closure and I replied yes. He then called his management and sought to reverse the closure. His management apparently replied that they couldn't technically reverse the closure but that he would escalate the interest issue and there was no reason for PNC to deny the payment of the interest. The next day, the " escalations '' person contacted me and told me the escalation was denied and interest of over {$800.00} was forfeited. At no point before the closure did I actually know that the account had been closed prior to discussion of the interest issue. At no point did the XXXX raise the interest issue until I raised it myself. The bank 's argument of course is that the account agreement which is multi page tiny type and " signed '' many years ago states that off cycle interest is forfeited. This is a contract of adhesion and PNC should not be permitted to hide behind it. The rep should have ( i ) himself mentioned the interest issue prior to closing and ( ii ) not initiated closure until the issue was discussed after I raised it. This is a significant amount of money that PNC should not be permitted to take from a customer. Does PNC not have an account closing checklist and process that deals with this issue, and through which the interest issue is discussed or does PNC just take the position that they will take a windfall from customers? Does PNC train their reps to mention the issue or do they train their reps NOT to mention the issue. In any case, I raised the interest issue BEFORE I was aware that the account had been closed and PNC should have either reversed the account closure or credited the interest. Any other result is a travesty and essentially a theft of my money.
Product: Checking or savings account

I opened my SoFi checking and saving accounts XX/XX/XXXX with {$300.00} new account bonus promotion applied. The promotion stipulates that I need direct deposits totaling {$5000.00} from an employer or a government agency within 25 days to receive the bonus. The bonus will be paid 7 days after the requraenemts are met. I received 2 direct deposits from government agencies ( XX/XX/XXXX : {$4300.00} from IRS TREAS 310 and XX/XX/XXXX : {$950.00} from NY XXXX ). I reached out to SoFi on XX/XX/XXXX and learned that the deposits sis not code properly and that they would create a ticket to address the issue. I have not heard back since.
Product: Credit reporting, credit repair services, or other personal consumer reports

- Contacted the creditor on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX concerning the XXXX XXXX of my credit reports. 
- Creditor responded that the information was accurate and valid per FDCPA. 
- However, the No Surprises Act requires healthcare providers to give a good faith estimate of medical expenses for individuals whose insurance didnt cover their care. 
- Debt collection agencies are not supposed to report information about medical debts covered by the No Surprises Act. Doing so violates my rights under the Act.
Product: Credit reporting or other personal consumer reports

According to15 U.S.C 1666B The timing of payments creditors 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 XXXX  days before the payment due date. Please review these accounts for any violations of the fair credit reporting act. XXXX. ( XXXX XXXX account number XXXX ) XXXX. ( XXXX  XXXX account number XXXX ) XXXX. ( XXXX  XXXX Account number XXXX ) XXXX. ( XXXX Account Number XXXX  ) I would like these accounts removed if no evidence is provided that I was notified XXXX  days before the late payment would be posted on my account. A delinquent debt may not be reported under this section unless a notice issued pursuant to the Privacy Act, 5 U.S.C. 552a ( e ) ( 4 ), authorizes the disclosure of information about the debtor to a credit bureau or XXXX. ACCORDING to 15 U.S.C 1692 ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
Product: Credit reporting or other personal consumer reports

Capital One requested I file a police report for identity theft, contact credit bureaus, and Federal Trade Commission.
Product: Mortgage

XXXX : Ocwen Loan Servicing LLC Loan # XXXX Property Location : XXXX XXXX XXXX # XXXX XXXX XXXX, NY XXXX XXXX XXXX, XXXX I currently own an apartment located at XXXX XXXX Ave., # XXXX XXXX XXXX, NY XXXX [ XXXX XXXX, New York ]. 
My mortgage is held by Ocwen Loan Servicing LLC. Ocwen is located at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX. 
My current mortgage payment is {$690.00} [ Loan # XXXX ].  The outstanding amount owed on that mortgage is currently around {$33000.00}. 
The Fair Market Value of my apartment is around {$310000.00}. 
On XX/XX/XXXX, I received an Annual Escrow Account Disclosure Statement that reflected RIDICULOUS new charges to my account. 
The statement reflected that I owed County Tax on my apartment for {$83000.00} for tax year XXXX and {$110000.00} for tax year. 
Therefore, according to Ocwen, starting XXXX XXXX, my monthly mortgage payment would now become {$11000.00}. 
Upon receiving the Annual Escrow Account Disclosure Statement, I immediately contacted Ocwen to ; 1 ) Inform Ocwen that there was NO such thing as a County Tax in XXXX XXXX, NY. 
2 ) Ask them where they had gotten the information that was reflected on the Annual Escrow Account Disclosure Statement.
3 ) Provide me with the information that they had used to include that false charge on my Annual Escrow Account Disclosure Statement. 
4 ) Ask them why they did not question how there could be a County Tax of close to {$190000.00} on an apartment that had a Fair Market Value of {$300000.00}. 
5 ) Ask them why they did not contact me about the supposed County Tax before it was included in my Annual Escrow Account. 

During the last month, I have spent at least six ( 6 ) hours on the phone with at least five ( 5 ) different Ocwen Representatives who EACH promised to provide me with the information. 
I was told by each Ocwen Representative that the information would have to be researched and they would get back with me within the week with answers to my questions. 
Ocwen also scheduled two ( 2 ) different phone appointments with me to discuss their findings. 
Although I made myself available for both of the phone appointments, NO ONE EVER CALLED. 
NO information about who instigated the fraudulent County Tax has ever been provided to me.
Needless to say, I am unable to make a monthly mortgage payment of {$11000.00}.
I also should not have to pay for a County Tax that does NOT exist. 
I need your immediate help with this situation. If you have any questions you can contact me at either number listed below. 
Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX ( Land Line ) ( XXXX ) XXXX
Product: Checking or savings account

On XXXX I made a {$700.00} transfer from my Citibank to my XXXX XXXX XXXXXXXX account. Minutes later I receive a text message from citi ( which I thought was actually Citibank ) stating that there was suspicious activity on my account and I needed to vertify my account if I didnt want it to be blocked. I clicked on the link they provided and started filling out my information. I soon realized they were asking for too much personal information so I exited out the page and didnt think nothing of it. On XXXX my phone was out of service most of the day. I thought there was an issue with my phone carrier so I didnt put much attention to it. At around XXXX I check my emails and I noticed 4 Citibank fraud alerts. I quickly check my account and notice {$9000.00} was taken out of my savings account. My phone was still out of service so I had to use my partners phone to report the fraud. At around midnight I notice right before I received the Citibank emails there was an email from XXXX. It stated that my imsi was changed. I soon learned that my phone was hacked and thats how the scammer had access to my account. The next day I went to XXXX to get my phone fixed and soon after I went to the bank to open a new account. I did EVERYTHING the bank asked me to do. They have denied my claim 3 TIMES because they determined it wasnt a fraud but they dont want to give me any reason as to why they made that decision.
Product: Credit card

Someone opened a credit card I did not apply for. i got an email for this.
Product: Credit card

On XX/XX/2023 I erroneously made a payment on my Citibank credit card of nearly {$6000.00}. On XX/XX/2023 at about XXXX  ( PST ) I realized my mistake and called Citibank to receive a refund. I was informed it would take approximately XXXX - XXXX business days to receive my refund via paper check. I complained, and a supervisor 'over-rode ' the system so that the refund could be directly deposited to my bank account. However the refund still would not be issued for XXXX - XXXX business days. This seems like a long time, given the speed with which electronic transfers can be made. I asked to speak to the supervisor. I believe his name was XXXX, who repeatedly told me the same information, continuously interrupted me and did not listen to my concern. When I told him that, based on our discussion, i wanted to close my citibank credit card account, he asked for my text number to send verification, which I gave him. I asked that he also send confirmation that the refund was being processed. He refused, saying there isn't a system e-mail for that purpose, and he couldn't send personal information via e-mail or text. I wasn't asking for personal information, just a confirmation that they were working on my refund. I tried to tell him this, but he talked over me, and ultimately hung up on me. I have not received the text he said he would send to verify closure of the account. I have no assurance that my refund is being processed or will be made in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

We were never late on our Auto Loan with Ally financial. We paid our loan in full in XX/XX/XXXX. Ally had not updated our reporting since XX/XX/XXXX. In XX/XX/XXXX, I disputed tje balance through XXXX. Ally updated our account to reflect our last payment was in XXXX and the account is now closed, however they failed to report our XXXX and XXXX payments, and are now reporting a 30 day delinquency. This has negatively impacted our credit score.
Product: Credit reporting or other personal consumer reports

I am filing a complaint for the new collection that appeared on my credit report. The original creditor on this new collection is the same as the creditor on my previous collection, which was removed in XX/XX/XXXX The previous collection was verified as inaccurate and invalid, so it's been removed.

Last week, I received an alert about the new collection on my credit report but was not properly notified by the creditor or collection agency. I believe this is an illegal reinsertion and should be deleted from my credit report.

In addition, I also found an inaccurate late payment to one of my accounts. I believe the late payment was caused by a system error as I set it up with my auto-pay account.
Product: Debt collection

I canceled my cell phone bill with XXXX XXXX on XX/XX/XXXX, my last payment was for {$150.00}. I utilize a credit tracking service, which is how I was notified ofan outstanding bill of {$700.00} for the phone. I never received any notification from XXXX. When I called in they directed me to IC systems, the collection agency. A gentleman stated {$700.00} was due and showed an incorrect address of : XXXX XXXX XXXX XXXX XXXX  md XXXX. Unfortunately that is the address of my deceased grandmother and I have not lived at that location for over 2 years. XXXX has never emailed me, after failing to get in touch with me, and they have confirmed the email on file is correct. Despite no one reaching out to me, I called XX/XX/XXXX and paid the bill in full. The confirmation number for that payment is XXXX. 

I then called XXXX and spoke to XXXX in the collections department, she confirmed the wrong address on file and no additional addresses. After using XXXX for TV and internet, and having all my bills sent to the correct address, it is puzzling that it would be incorrect in the collections department and then incorrectly sent to the collections agency. 

Upon my request to cancel service, I was NOT informed the final bill would be mailed, nor did the agent confirm the correct mailing address. I have been emailed all other bills for this cellphone line by XXXX, and my XXXX TV and internet bills were mailed to the correct mailing address. I am saying this to say, XXXX as a company has the correct address associated with me somewhere in their system, they just didnt look hard enough. I have more than upheld my end as the customer, by paying all of my bills, but the service I have received from XXXX has been unacceptable.
Product: Checking or savings account

As of XX/XX/XXXX, we NEVER received the reimbursement. Reference is made to original CFPB Complaint ID : XXXX ( XX/XX/XXXX ) and XXXX  Complaint IDs : XXXX ( XX/XX/XXXX ) & XXXX ( XX/XX/XXXX ), in which Marcus by Goldman Sachs agreed to stop debiting our previously opened CD account Federal Backup Withholding and reimburse us {$360.00} ( Marcus approval interaction note : XXXX Case # XXXX ) within XXXX business days back in XX/XX/XXXX. On XX/XX/XXXX, I contacted Marcus for a status of the refund and spoke to Supervisor XXXX ( last name unknown ) who informed me that the previous case was prematurely closed on XX/XX/XXXX ( no reason was provided/documented ) and Marcus representatives did not follow detailed steps ( including reopening our CD ) to reimburse us based on an approval on XX/XX/XXXX by Supervisor XXXX ( XXXX name unknown ). It should be noted that Marcus responded to the XXXX  and CFPB complaints that the reimbursement would occur within XXXX business days back in XX/XX/XXXX. XXXX stated she was requesting the case be reopened to reprocess the refund ( Case # XXXX ) and escalating another case to the Customer Care Team for review and refund options ( Case # ending- XXXX ). After dealing with this entire ordeal for more than 5 months ( when the Federal Backup Withholding debits were first identified ), I asked XXXX to speak to her Supervisor, since this ordeal includes multiple events where Marcus representatives stated a certain action would occur and then never materialized ; from ceasing debits after receiving a signature card in XXXX, to Supervisors returning calls, to providing the reimbursement, etc. I asked XXXX to document our conversation and provide a documented history of all of these events, and she stated they were noted internally only, and Marcus representatives were not permitted to send outbound emails to document these transactions ( no transparency ). XXXX then became frustrated and hung up on me, and I had to immediately call back to file a complaint with Supervisor XXXX ( last name unknown ) on XX/XX/XXXX. On XX/XX/XXXX, Marcus rep XXXX stated her supervisor XXXX requested she make an outbound call to me to notify me the case has been reopened to investigate why the reimbursement was not processed and why the case was closed. On XX/XX/XXXX, I received a voicemail from XXXX asking me to call back for an update and that I could speak with anyone. Approx. XXXX minutes later I called back and spoke to XXXX, who reportedly also reports to XXXX, and she said there was no update and that XXXX never called me. I then asked to speak to a supervisor and was transferred to XXXX who stated XXXX and XXXX were mistaken and that their system just updated with XXXX 's message ; which was that the reimbursement had been approved AGAIN and would be transferred to our savings account ( not mailing a check - which is what I requested ). This {$360.00} reimbursement ordeal is still ongoing and after dealing with numerous Marcus representatives has not been resolved.
Product: Payday loan, title loan, or personal loan

I had an account that I opened with a company called XXXX. Its a rent to own situation you lease an item with an option to purchase. I bought a product using this service, completed the lease and then exercised the purchase option via their website. The website allowed for the buyout payment to be made in several installments. I made the required payments to complete the purchase as per my bank statements, but the company kept billing me erroneously after the account was paid in full. I changed my card number to stop the billing and never heard from them again. A year later I now have a {$1700.00} collection on my credit from a bill collector on this account that I believed to be paid in full. I tried calling XXXX but they are saying they wont even talk about the account because its been sold to the collector. The collector doesn't have any details other than the balance they show owed which is also showing on my credit reports. See attached for the original contract as well as bank statements showing the buyout payments on XX/XX/XXXX and XXXX. They then billed me again on XX/XX/XXXX after I show the account should have been considered paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Annual check up of my files was unable to get my XXXX XXXX or Equifax report both making all kinds of reasons for not getting past go. Equifax keeps asking questions that do not belong to me and make me think I have Identity problems ( student loans and jewelry loans )? Never had them so i can not get my report. XXXX XXXX on the phone and online, nothing. " We are temporarily unable to complete your request. Looks like we are experiencing a problem on our end. '' On the phone was timed out with over and over details ... over and over now have to refer you to another department to do that all over again??
Product: Credit reporting, credit repair services, or other personal consumer reports

Account number XXXX  has violated my rights 15 usc 1681 section 602 8 states I have the right to privacy 15 unc 1681 section 604 a section 2.
Product: Credit reporting or other personal consumer reports

Subject : Request for Deletion of Collection Account Pursuant to FCRA I am writing to bring to your attention a matter regarding a collection account that appears on my credit report. I have previously requested verification of this debt from the collection agency responsible, NATLCRSYS, in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( b ) ( 1 ). 

Despite my request, NATLCRSYS has failed to provide any verification of this debt or respond to my inquiries within the required time frame under the FCRA. As a result, I am formally requesting the immediate deletion of the collection account associated with Account # XXXX from my credit report. 

Under the FCRA, a collection agency is obligated to verify the accuracy of a debt when a consumer disputes it. Failure to do so within 30 days constitutes a violation of the FCRA. NATLCRSYS has not met this obligation, and as such, the collection account should be removed from my credit report. 

The details of the collection account in question are as follows : Collection Agency 's Name : NATLCRSYS Account XXXX Amount : {$3100.00} I am writing to express my serious concerns regarding the reporting of a debt on my credit report, which I believe has not been properly verified in accordance with the Fair Credit Reporting Act ( FCRA ) standards. This communication serves as my formal notice of intent to pursue legal action to address this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 section 602A.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: Payday loan, title loan, personal loan, or advance loan

Harassing me and my wife daily. Several times a day
Product: Credit reporting

I am a Victim of ID Theft I have a freeze on all of my credit files, I am concerned with my Experian file, I have never been contacted when companies are contacting Experian for my information. When I question at custom service they were very nonchalant about it. I was aware of XXXX inquiries yet I did not get any phone calls as to why or the confirm the inquiries. It makes me a little concerned and I want to feel protected because I was a victim with IRS. I am still very careful with my credit which is still damaged due to being a victim
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, Equifax admitted to a data breach where my credit information was leaked. I have not been awarded any money, and my credit score remains low due to Equifax illegal practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I was sent an update of my consumer report from Transunion File # XXXX listed was 5 inquires from unauthorized users XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  this furnishing of information is violation of 15 U.S Code 1692J ( a ). I had problems receiving mail due to moving and was received around XXXX, New updated information was shared through XXXX where I can see Transunion also continued to furnish other 6 other inquires. All furnishing of inaccurate information is a violation of 15 USC 1692kcivil liability. After calling Transunion to get these inquires removed and stated this an agent stated they dont do that. Pay for each inquiry.