23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Bank of America is Discriminating against my small farming business and creating much undue hardship. 
- XX/XX/XXXX, I scheduled a large payment through the Bank of America XXXX, and was given an unable to process at this time error message on the XXXX. 
- I then attempted to schedule the payment again and it showed that it would process. A couple days later I saw that both payment attempts went through, even the first one which said it errored out. 
- Since This payment was only intended to go through once, there were not sufficient funds in the account for a double payment. 
- When I noticed this, I immediately called bank of America and asked them to stop the payment since I had requested them on the Bank of America XXXX. 
- After the customer service agent spent some time looking into it, they told me that the best approach would be to just let the payment bounce and then it would resolve itself. 
- I followed the recommendation of the Bank of America customer service agent, trusting them. 
- Fast forward to XX/XX/XXXX, I received a notice of account closure via email, without any prior notice or warning. 
- When I called on the morning of XX/XX/XXXX, I was told it closed due to an insufficient fund payment of the exact amount mentioned. When I explained and pleaded my case, I was told there was nothing they could do. 
- This has a majorly detrimental impact on my small business. 
- When I addressed this with Bank of America, I acknowledged that there was another, much smaller incident, which occurred in XXXX. This was also due to an technological issue. 
- Between XX/XX/XXXX, and XX/XX/XXXX, I spoke with several Credit analysts at Bank of America to discuss this, explaining that the entire $ XXXX double payment, insufficient funds issue could have been avoided and that I only followed the recommendation of Bank of America once I noticed the double payment process. All of the specialists I spoke with indicated that there was nothing they could do to re-open the account due to the reason for closure. I explained to them that this was creating a significant hardship on my small farming business, and I just need someone to understand my concerns. 
- It is unjust having my business account closed without warning or notice, especially having the catalyst be an issue I tried to avoid and followed the Bank of America recommendations.
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verificat
ion measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Money transfer, virtual currency, or money service

I had both a personal and a business account through Wise.com to send and recieve funds from overseas, as well as to send domestic payments. I have been using this service for over a year and I had also created a XXXX ( XXXX ) account to recieve payments. I have sent over XXXX payments to vendors and personal contacts for over a year without any problems. I have a customer who I thought was based in XXXX who said they would send me XXXX for a payment for product they purchased. They sent the roughly {$26000.00} USS worth of XXXX to the XXXX account I had opened with WISE.com but rather than process the payment Wise sent me an email saying this transaction was from a XXXX company which of course is banned from trading with US companies due to the war in the XXXX. 

I didn't recieve the funds and they returned the money to the XXXX bank account. Imagine my suprise when Wise closed my account without warning for a 3rd party simply trying to send me funds. I never got the funds and I didn't do anything wrong. 

I am now having real trouble sending funds abroad due to this issue. I really want to continue to use their service and asked them to close the XXXX account I had set up and just let me continue to send funds. They refused.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXXXXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # 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 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.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX we approved for a 3 month forbearance plan with our original mortgage servicer Nation 's Direct Mortgage. That servicer sold/transferred our servicing to XXXX Mortgage XXXX XX/XX/XXXX, before our 3 month period had lapsed. Immediately our XXXX XXXX was tarnished, albeit a stipulation of the forbearance was that it would not affect our credit score. XXXX ignored this and continues to report our account as delinquent during forbearance, with reckless regard for our credit. 

We extended our forbearance plan through XXXX, but have not out any subsequent paperwork with XXXX. From what I know to be fact regarding contract law, XXXX can not ignore the agreement and obligations set forth by Nation 's Direct Mortgage. 

This is the second time our score has been tarnished because of XXXX. With rates falling, we would like to refinance but am likely unable to do so. 

Below is a brief timeline of events : Friday XX/XX/XXXX XXXX check in call Sat XX/XX/XXXX Incoming XXXX  Call ( scheduled at XXXX? ) Fri XX/XX/XXXX XXXX XXXX Tue XX/XX/XXXX XXXX XXXX Mon XX/XX/XXXX XXXX  Call Thu XX/XX/XXXX Incoming XXXX Call ( appointment regarding submitted application ) Fri XX/XX/XXXX Submitted Mortgage Assistance Application to XXXX Mon XX/XX/XXXX XXXX XXXX Tue XX/XX/XXXX Credit bureaus updated Wed XX/XX/XXXX XXXX XXXX Tue XX/XX/XXXX Nations Direct account reported delinquent to credit bureaus Mon XX/XX/XXXXXXXX XXXX  Call Thu XX/XX/XXXX XXXX becomes new loan servicer Mon XX/XX/XXXX - Beginning of Unemployment Forbearance ( until XX/XX/XXXX ) Thu XX/XX/XXXX Loss Mitigation Application submitted to Nations Direct Mortgage
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi CFPB customer care with XXXX XXXX preferred, I requested that my funds were going towards my mother medical bills during 2022 and my grandmother died and I have to cover funeral cost hence I would be behind some payments but I was paying them even then closed my credit card account with out any considerations, I have been their loyal customer for very long even then they closed and my account. I requested XXXX during 2022 via many good will letters to remove late payments as well reopen my credit card even then they have closed my account even after telling my situation and their reason was funds were not their and returned payment happened hence they closed account but when I called them and told them that I have told the situation earlier they did not care about it and even my funds were available at that time still closed my account, I have tried hard to reinstate my credit cards with them as well remove late payments on credit reports, kindly help me in removing the remarks Account closed by XXXX '' and also kindly remove worst payment status remark as well on XXXX, XXXX AND TRANSUNION CREDIT reports as well late payments reported in XXXX, XXXX AND TRANSUNION CREDIT reports associated with XXXX XXXXplease consider my request as I feel my future goals are being stopped which is very dissatisfying and I am feeling stress with lack of motivation. 

I have attached screenshot for reference
Product: Debt collection

Policy Number : XXXX I faxed XXXX XXXX XXXX Collection Supervisor at XXXX twice Auto Insurance Policies documents showing the date I cancel the Policy with XXXX before payment were due, Never received a respond, he just since this false payment to the Collection Agency ( Southwest Credit ) since I never paid the falsely requested amount of {$120.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

as of XX/XX/2019 I had filed against XXXX/Equifax and the results were to remove from my credit report. I applied for a credit card and I was denied due to Equifax not deleting my XXXX  information. it was agreed on XXXX file. and it was not done, so my fico goes down due to being pulled and I was denied. how good is these credit bureaus???
Product: Credit reporting or other personal consumer reports

Experian, XXXX, and XXXX XXXX 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 unverified accounts unresolved. The Consumer Financial Protection Bureau ( CFOB ) has recently filed a lawsuit against Experian, XXXX, and XXXX 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 Experian, XXXX, and XXXX XXXX has neither corrected nor removed disputed accounts, as Experian, XXXX, and XXXX XXXX 's inaction violates federal law and my rights as a consumer. 
I sent certified mail to Experian, XXXX, and XXXX XXXX, my payment history showing full payoff with {$00.00} balance, the letter of payoff and title lien release from XXXX XXXX  on or about XX/XX/XXXX, and again on or about XX/XX/XXXX for the amount of {$27000.00} is showing on my credit report that Experian, XXXX, and XXXX XXXX, failed to correct and remove from my credit report. 
Also along with the above documents I sent payment history, account payoff, and closed account showing {$00.00} balance owed for XXXX XXXX Which Experian, XXXX, and XXXX XXXX, did not remove {$5200.00} showing owed on my credit report, shows I am late and failed to investigate, even with proof of full payment and payoff of my accounts to all three credit bureaus. 
Also along with the above documents I sent payment history, account payoff, and closed account showing {$00.00} balance owed for XXXX XXXXXXXX XXXX  XXXX Which Experian, XXXX, and XXXX XXXX, did not remove {$1800.00} showing owed on my credit reports, shows I am late and Experian, XXXX, and XXXX XXXX failed to investigate, even with proof of full payment and payoff of my accounts. 
Experian, XXXX, and XXXX XXXX, has not sent me any responses back to any of my disputes nor correcting the disputes and recently pulling my credit report in XX/XX/XXXX it still shows the discrepancies on my credit report.
Product: Credit reporting or other personal consumer reports

I want to inform you that I have been a victim of identity theft. This letter serves as a formal dispute of the following accounts on my credit report. These accounts are fraudulent and Im not sure how the theft took place on my report. The banks already approved to remove the accounts from the other bureaus and Im wondering why you still reporting these on your bureau. This is driving me nuts on what kind of dispute process are you doing. I called Experian about a month ago and they said they will remove these but are still showing on my report. Both the bureau and the banks agreed to remove the accounts and none of them have complied with what they said. Please have these accounts removed from my report : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX  XXXX 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: Credit reporting or other personal consumer reports

After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiry on my credit report.Please dispute and remove listed fraudulent inquiry from my credit report XXXX XXXX XXXX ( Bank ) XX/XX/20XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX
Product: Mortgage

On XXXX XXXX 2018, I arrived home to find a notice posted on the front of my door. It was in plain view for anyone to read ( I live in a townhome ). The notice stated that my property was found to be vacant and threatened to rekey/winterize the property if I did n't contact XXXX XXXX XXXX within three days of the date of the notice. The Company 's name is XXXX XXXX XXXX, XXXX. I called their offices today and spoke with XXXX who advised me that they were requested to inspect my property by my mortgage service company, Mr. Cooper ( formerly NationStar ). I advised XXXX that my property is not vacant and that I was very upset by the way the notice was publicly posted and with threatening language.
Product: Prepaid card

American Express virtual online gift card. 
This pre-paid card does not work ANYWHERE online. All vendors I tried require an address and zip code, which this online gift card does not have. I would like names of vendors both physically located in XXXX XXXX and/or accepting online payments via XXXX or other sources where this AMEX card can be used. This prepaid gift card is a scam and the company does not intend to have recipients leverage the purchased amount on the card. I would highly advise anyone I run into to avoid purchasing an AMEX online gift card for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. Please update for lawful accuracy. Otherwise, update ASAP. Below are the inaccurate items needed to be removed from my credit report : Collection XXXX OF XXXX # XXXX CXXXX 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

Hello, Experian has been reporting erroneous information on my credit report and and I've tried several times to have this information corrected. I have a public record on my report that is not accurate and have disputed this account and asked for validation several times from Experian. Experian has stated this information was verified by the courts and XXXX XXXX. I initiated an investigation with XXXX  and XXXX XXXX ; both confirmed that this account was not mine or was not provided to Experian. I presented this information to Experian and they have responded with false information, stating the public record has been verified. This should be illegal and I'm considering filing a complaint with my state AG office and will consult an attorney. This is a serious violation of the FCRA. 

Below are the steps I've used to correct this information : XX/XX/2020 I contacted XXXX  to verify verification process related to XXXX  reporting, XXXX  responded on XX/XX/2020 stating they do not verify bankruptcies with third party agencies or Credit Bureaus. 

XX/XX/2020 I submitted a complaint to CFPB concerning incorrect information reporting on my XXXX account. 

XX/XX/2020 XXXX responded with a letter stating the public record was deleted from my file and was not accurate. 

XX/XX/2020 I submitted an online dispute with Experian and attached supporting documentation from XXXX. 

XX/XX/2020 Experian responded to my dispute stating the public record will remain and has been verified. This is a blatant lie! I believe this is a tactic used by Experian to keep erroneous information on consumers reports without actually validating any information. 

My rights have been violated and my next course of action is litigation. I've provided attachments to show proof of my actions and investigation. Please remove this pubic record from my account ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian added my grandmother 's address to my credit report and removed my XXXX XXXX account which deleted my XXXX credit score completely. Now I have no credit score at all.
Product: Money transfer, virtual currency, or money service

I notified via email my email was changed. If I did this or not. I went in to say it was not ok but of course I could not lid in because my email was changed. Then, I was notified I sent money to someone which I didnt. It was only {$20.00}. She had sent money back but of course I didnt receive it back. This company is PayPal and I can not get through to a human. Its all automated. Ive been trying to remedy this for a week now.
Product: Checking or savings account

An account users debit card was stolen. We immediately reported the issue to PNC and went to the XXXX XXXX XXXX in XXXX ALfor a replacement card. The young was very nice but in the process of replacing the card the wrong account was attached. I returned to the branch the following day requesting that the setup of the card be reviewed because transactions were posting on the both accounts. I pointed a hotel charge and advised which account it should post. The associate could not figure out why the item was showing on both accounts. She said she would have her manager give me a call. She went on the say that the issue with the card had been resolved. 
Despite her efforts, the card issue remained unresolved and daily expenses and travel expenses were being debited from the operating account not the secondary account. 
I then called the toll free customer service line to escalate the matter. I called them 3 or 4 times on several days and was told that they could see mo issue with the card. The card then worked for purchases but not at the ATM. Each time we were reassured that the card was only connected to the secondary account and not the operating account. We stopped seeing transactions on the operating account and so we thought what we were being told was accurate. 
We never received a call back from the local manager to discuss the charges that posted to the wrong account so we were reluctant to make deposits. We were monitoring the accounts for the appropriate adjustments to be made so that we could begin to use the account again. Not only did PNC Bank fail to make the adjustment, they determined that we were not worth banking and decided to initiate the close of our operating account. 
At the point that the closure was done, the card that was never to be connected with the operating account was closed too. They were dishonest stating that the card was no longer connected to the operating account when in fact it was. 
Its disturbing that a so called reputable institution was unable to replace a simple debit card and no one took the time to look at all facets of our requests and concerns. 
I spent a total of 6 hours on the road going to and from the closest branch ( 4 visits ) and at least 7 hours on multiple calls working with people who could not resolve the issue. 
We are incredibly dissatisfied that they failed to make the appropriate adjustment because of their bankers mistake or systems malfunction. That coupled with service providers that dont care of enough to return a call. 
It is concerning that they had time to review the account to determine closure but they didnt have time to review the account to address the situation they caused. 
I have requested that they review the decision. I was given to a voicemail and told they may not call back. Im certainly accustomed to them not calling back and not following through. 
We are not new clients. Were account owners before PNC merged with RBC. Of course none of that matters. 
PNC is not what it used to be.