23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Mortgage with PNC Bank. Our taxes and property insurance are escrowed. Our property insurance renewal was XX/XX/XXXX. PNC failed, and admits that it failed to pay the insurance renewal, therefore our property insurance was cancelled. We have been without any property insurance since XX/XX/XXXX. An error resolution notice under 12.C.F.R Sec 1024.35 was sent via certified mail to the proper address for PNC Bank . PNC acknowledged receipt of the letter and on XX/XX/XXXX sent correspondence admitting that it was their fault that the policy renewal was not paid, but has done nothing to rectify and/or correct this situation. Additionally, PNC has been sending us letters of warning that they will be putting into effect force-placed insurance to for the policy lapse, and charging it to our escrow account. We have mailed, faxed and emailed documents to many people at PNC and have spent countless hours in phone calls, and even visited a local branch in person, but PNC is still sending letters about force-placed insurance, even though we have been able to lock in a new policy. The new insurance does not go into effect until XX/XX/XXXX and PNC is now saying they are going to put a force-placed policy in effect for the lapse, at our expense. We have gone out-of-pocket for various inspections to obtain new insurance and PNC has refused to reimburse us. Phone calls are not returned, and even though we now have an attorney assisting us, we are getting absolutely nowhere. PNC is clearly in violation of RESPA and something needs to be done to hold them accountable for this.
Product: Mortgage

In your response dated XX/XX/2020 XXXX PartXXXX please supply documents and responses to the attached questions
Product: Credit card

i have a credit of XXXX dollars with american express credit card # XXXX but american express refuses to return this money to me. 
i urgently ask you to interfere on my behalf so that i can get back the money that belongs to me. 
thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Experian regarding a Bankruptcy on my credit report. 
I filed XX/XX/2023 & XX/XX/2023 both times their stating the information was accurate. 
I sent them a letter from the third party they receive their bankruptcy information from XXXX. 
XXXX has no record of a bankruptcy on my consumer report, nor does XXXX. 
Experian stated several times that they verify their Bankruptcy information from XXXX. 
If Experian verify their bankruptcy information from XXXX either its a lie or an error, because XXXX has no record of a bankruptcy on my consumer report. 
I feel that my case is not getting reviewed just overlooked because if they would have verified the information through XXXX like they stated they would see that XXXX does not have a record of a bankruptcy on my consumer report, again either its a lie or an error. This is consumer neglect grounds for a lawsuit.
Product: Debt collection

For the past several months would receive calls from affirm 3 or 4 times a day. Even late at night after 8 and close to 9 which is very inconvenient to my family trying to sleep and a new born child. Tried talking to representatives but would not listen and kept talking over me as the caller only wanting debt and not discussing any issues brought up
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX XXXX Balance : {$110.00} & XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXXXXXX
Product: Mortgage

I am filling a complaint once again because Chase keeps prolonging my loan. I have filed a complaint on XXXX/XXXX/2016 with the CFPB. However my concerns have not been properly addressed by Chase. I was told by my assigned specialist XXXX XXXX that my loan was not eligible for a modification I questioned him why in the decision packet, my wives income was not considered.Chase has my monthly income of {$0.00}. This is not acceptable because I provided my chase bank statements for proof and my wife 's pay stubs. However Chase refuses to review my loan with my current income. At this point I will be force to involve the FDIC and my Attorney General XXXX XXXX so they can start an investigation against Chase. I am tired of the excuses Chase keeps giving me I am falling more behind instead of them trying to find a resolution so I can start making my mortgage payments. Again, they are not providing me with a reasonable explanation as to why they are using {$0.00} income. This is against my rights and they are not giving me a fair review. I could have been assisted already, but in every review they keep using {$00.00} income. I just want a logical explanation and I can provide any proof of income. My wife works XXXX, why would a XXXX lie that she works there? she has even given the mortgage company permission to call and verify her employment, but they continue to deny us. I need help and hopefully they provide a reasonable explanation through the CFPB.
Product: Debt collection

Original company have no right to sell out my privacy and they disobey XXXX privacy act
Product: Mortgage

The mortgage was sold or transferred without my consent there is no contract between me and and PNC Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm disputing this fraudulent account reporting on my credit file. Im requesting that this account be removed and blocked from my credit file, or the credit reporting agencies shall show just cause and physical documentation before reporting such .I 'm demanding that this account is removed. 

1 ) XXXX XXXX
Product: Credit reporting or other personal consumer reports

My accounts with XXXX XXXX XXXX and XXXX XXXX XXXX were never late! I have had exceptional payment history witH cXXXX XXXX XXXXnd 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 XXXX, XXXX, XXXX, AND XXXX 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 XXXX XXXX  and XXXX XXXX XXXX XXXXever 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: Checking or savings account

Ok so in XXXX my house burnt down XXXX XXXX county oregon wildfires, then had to move, bank, made a few errors by sending my card with pin to wrong address muilple time stuff / money was stolen like 10 thousand out of account made police report, showed bank was not even in that city, and was denied refund
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach. As a result, I request that the following fraudulent accounts and inquiries be blocked and deleted from my credit report pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were not authorized by me and should be removed immediately. 
Fraudulent Accounts : XXXX XXXX  - XXXX - XX/XX/XXXX - {$38000.00} XXXX  XXXX XXXX - XX/XX/XXXX - {$3300.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$2600.00} XXXX  - XXXX - XX/XX/XXXX - {$9400.00} Fraudulent Inquiries : XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX
Product: Checking or savings account

This year, my account was purchased by XXXX XXXX XXXX XXXX XXXX from XXXX. Citizens now holds over {$5000.00} of mine and I am broke. They claim to have XXXX a debit card to me in the XXXX, where I live, in XX/XX/2022. It never arrived. I have called the bank many times to learn the XXXX tracking number. Their employees can not find it. Without that number, I am locked out of all funds. Because of their poor responses, I am now being threatened with eviction this week for non-payment. 

Citizens Bank offered to give me access to my account if I would visit a branch. They have no branches in XXXX. Their next advice was for me to fly from the XXXX to Rhode Island. Their customer service staff may show a sense of humor, but their efforts are unhelpful and non-responsive. 

The bank seems badly disorganized. They have no on-line chat service. One must call by phone, with wait times of 45 min. All their websites are blocked from here, so all internet access is denied Their technicians can not or will not correct this problem for me and their other customers in XXXX. 

The only way I can address them on line is by sending a FAX. Citizens Bank has only one FAX number and it's usually busy. I have sent two faxes with all the information they ask, but the bank does not respond. 

Their customer service is notoriously terrible. Customers complain endlessly about Citizens Bank XXXX XXXX I think XXXX was outrageously careless of customer trust in selling to Citizens Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2022 I have sent Equifax 4 letters regarding incorrect personal information and identified FCRA Violations and Non METRO2 Compliance. After reviewing my credit report almost 3 months later I became aware that no changes have been made and I have not received any investigation results. According to 15 U.S. Code 1681i Equifax is supposed to delete the disputed items during a full and complete investigation. Equifax violated this federal law. Equifax is still furnishing information without my consent. That is a violation of 15 U.S. Code 1681b. I have never given Equifax to furnish anything on my consumer report. 15 U.S. Code 1681n lets me know that any person who willfully fails to comply will be responsible for actual damages up to { {$1000.00} } per violation. Please note that I will not hesitate to file a suit against Equifax for willfully and knowingly violating my consumer rights if this is not rectified within 15 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was needing to move out of my apartment complex due to bad maintenance. I applied at a new complex and I had to get my credit pulled to see if I could get into the apartment. During the discussion I learned that I was not able to get into the apartment due to some derogatory items that do not belong to me. Please remove these unknown items from my report. 

XXXX  XXXX  XXXX {$2100.00} XXXX XXXX  XXXX {$0.00} XXXX XXXX XXXX {$230.00}
Product: Checking or savings account

I filed a complaint in XX/XX/XXXX. This bank is not trying to help me at all. I deposited a almost XXXX check on XX/XX/XXXX they closed my account at the close of business that day and they refuse to send me my funds. Ive called numerous times and this is my second complaint. I was contacted by a XXXX from the office of the chairman she gave me her contact info but she never answers or return my calls.I called her 5 times today to check the status she did not return my calls. She called me last week Tuesday and the XXXX and said she would follow up the very next day in regards to expediting my funds to me and nothing. At this point I would like to be in contact with her boss or some other person genuinely interested in helping me.
Product: Credit reporting or other personal consumer reports

I challenge the validity of this debt and suspect XXXX XXXX XXXX XXXX XXXX Securities Fraud, Mortgage Fraud, and therefor demand proof of claim Please provide a full chain of title showing who legally owns this debt? 
I request a Q.W.R a Qualified Written Request under R.E.S.P.A. ( Real Estate Settlement Procedures ) I have a right to request /demand proof of these under R.E.S.P.A. and Under The Truth and Lending Act ( T.I.L.A. ) Affiant also request the original note with wet ink signature The one I was sent before was not the original note R.E.S.P.A. requires lenders to disclose this information I also request a full chain of title to show who legally owns the debt.
Product: Student loan

I had a student loan serviced by American Education Services ( AES ) and experienced financial difficulties that led to missed payments. Despite my efforts to seek assistance, AES failed to provide meaningful options to help me manage my loan, such as enrolling me in repayment plans, offering deferment, or informing me of other available programs. 

Instead of assisting me during my financial hardship, AES sent my account to collections, adding additional fees and causing significant damage to my credit. The collections process was stressful and unnecessary, as I had reached out to AES to request help before my account was transferred. 

This lack of support and the decision to escalate the situation to collections without meaningful intervention resulted in unnecessary financial and emotional harm.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX SS # XXXX XXXX : Dispute of inaccurate information on Credit Report ; Dear Sir/Madam , I'm writing in regard to multiple inaccurate information on my credit report, as prepared by your agency. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information, in which you are required to correct or remove all erroneous data. 
I have enclosed copies of the inaccurate accounts, with circled inaccursies, I ask that these accounts be removed as soon as possible. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX Equifax Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card Credit Card Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Closed Monthly Payment : {$0.00} {$0.00} {$58.00} Date Opened : XXXX XXXX XXXX Balance : {$3700.00} {$3700.00} {$3700.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$3700.00} {$0.00} {$3500.00} Credit Limit : {$3500.00} {$3500.00} {$0.00} Past Due : {$3700.00} {$3700.00} {$390.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Late 120 Days Last Reported : XXXX XXXX XXXX Comments : Charged off as bad debt Dispute resolved; customer disagrees Subscriber reports dispute resolved - consumer disagrees. 
Unpaid balance reported as a loss by the credit grantor. 
Accounts closed by credit grantor Credit card Date Last Active : XX/XX/XXXX XXXX XXXXXX/XX/XXXX Date of Last Payment : XX/XX/XXXXXXXX XXXX XXXX Two-Year payment history Legend Month 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 XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

After reviewing my XXXX consumer report I noticed a collection that shouldn't be reporting. The collection is from Credence Resource Management collection company and the original creditor being XXXX XXXX XXXX with a balance of {$220.00}. This debt is wrong and misleading information which hinders my credit worthiness. I've already reached out to Credence via certified mail requesting validation and verification of the debt as well as disputing the debt entirely. I then followed up with writing XXXX as well disputing the negative item and to inform them that I've contacted the debt collector also. To my understanding Credence Resource Management has 48 business hours upon receiving my dispute to stop any form of communication within the 30 day validation period. Communication being via phone, email, contacting any employers, as well as reporting of any negative items and or information to any of my consumer reports. Credence Resource Management HAS NOT validated or verified anything nor can they due to his debt being false and misleading information. XXXX also HAS NOT removed this particular item from my consumer report nor marked it as in dispute. I've also attached a copy of my original letter to Credence Management Company along with certification it was sent and the return receipt showing it was received also. Certification of my XXXX letter being sent as well as return receipt showing that it was received. I also included my updated XXXX and XXXX consumer reports showing that this debt is not included in those consumer reports at all. To my understanding this is a clear violation of 15 US code 1692e with this being false and misleading information. This is also a clear violation of 15 US code 1692g due to the debt collector NOT ceasing any efforts of collecting without the debt being validated as well as NOT removing the debt from my consumer report Nor marking it as " in dispute ''.
Product: Money transfer, virtual currency, or money service

I was victim of ID theft. I first got a letter from the bank " XXXX XXXX '' claiming that I recently had open an account with the. This account was not opened by me. The person who took my identity seem to have taken all my credentials from my XXXX. This includes my Username and Password for the Wells Fargo App. The hacker was able to link the fraudulent account from XXXX XXXX to my actual wells Fargo App and account. From this, the person made a online transfer from my Wells Fargo account to the fraudulent XXXX account of {$4800.00}. This happened on XX/XX/XXXX and I was not aware of it until 2 days later on XX/XX/XXXX. I opened a case with my bank on the XXXX and at the same time I was on the phone, the person commenting fraud tried to transfer more money to another account for the amount of {$18000.00} but I was on the phone with a represented and they stopped the second attempt. This serves proof to show that someone had my info and was trying to take money out. I opened a case but wells Fargo was no help at all and they seem to shy away from taking the customers side. They denied my claim because they said whoever made the transaction had my credentials ... obviously, the hacker took all my personal information and that included my log in. Wells Fargo does not take in consideration of hackers or id theft and is very misleading. They would always tell me that I would receive a call back from their department but never got back to me. This happened at least 3 times and I had to always give them a call back. I went to an actual branch 3 times and only once was I treated right. I tried to tell them and provide them with more information and paperwork but they would say we will call you when we need it, and never called. I have been trying to work it out with them but they do not seem to even want to help. I opened and reopened the case with them but always got the same response even after numerus calls. It almost seems like they want the client to get bored and exhausted of fighting and they hope we just give up on our money. 

XX/XX/XXXX - XXXX XXXX account was opened ( fraud account ) XXXX XXXX XXXX XXXX send a notification that an account was opened ( sent to my old address from 5 years ago ) XX/XX/XXXX - The unauthorized transaction unautorized. 
XXXX XXXX they try to toke the money again. {$18000.00} XXXX XXXX open a case for {$4800.00}. 
XXXX Wells fargo Denied the claim. 
XXXX XXXX open file claim for bad service. 
XXXX XXXX wells fargo answering ignoring our complaint. 
XXXX XXXX I received a Email from the XXXX XXXX confirmed that was a fraudulent account and they never received the money. 
XXXX open a new case. 
XXXX XXXX wells fargo denied my claim again, ignoring all the proof that i have. 
I personally went to XXXX XXXX branchs, and they confirmed the they never received the money, and state that wells fargo still have the money and refuse to return me my money,. its pretty obvious that Wells fargo ignoring my complaint thats why i need your help.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, Date of Birth : XX/XX/XXXX, am filing this complaint pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block the information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card accounts opened at Care Credit on XX/XX/XXXX and rooms to go on XX/XX/XXXX, an account with XXXX XXXX opened XX/XX/XXXX, a collections account with XXXX XXXX XXXX opened XX/XX/XXXX for service at XXXX a collection account with XXXX XXXX XXXX opened XX/XX/XXXX for a XXXX XXXX account, and a collection account with XXXX XXXX XXXX opened XX/XX/XXXX for an account with XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts or collections as reported. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXXXXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identiy theft and fraud