23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We are customers of PNC Bank. PNC Bank obtained our mortage when they bought National City Bank in XXXX. 

Our property/mortgage is the center of a Michigan XXXX Police investigation involving millions of dollars in real estate fraud and mortgage fraud. PNC became directly involved in the scheme when the individual under investigation contacted PNC and was able to obtain our personal and loan information from PNC in XXXX XXXX. 

We believe the fraudster was able to acquire the local taxing authorities ID number and used this number to obtain access to our loan information. 

We had been in contact with PNC numerous times for a year prior to this breach of our personal/loan information informing PNC of XXXX ongoing real estate/mortgage fraud investigation involving our property. 

In XX/XX/XXXX based on the false information provided by the fraudster at the center of the XXXX XXXX PNC initiated an escrow on our mortage more than doubling our monthyly payment. 

PNC did not reach out to us at anytime prior to altering our mortgage with the escrow account. 

XX/XX/XXXX, following months of XXXX PNC reversed our escrow and returned our monthly payment to its original amount. 

In XX/XX/XXXX, we obtained a court ruling that prohibited the foreclosure of taxes on our property due to the taxes being fraudulently assessed. 

Our attorney had been in contact with PNC prior to this XXXX proceeding and following. 

PNC was provided the Court Order in XX/XX/XXXX. 

In XX/XX/XXXX PNC filed a civil law suit against us requesting that we reform the legal description in our mortgage due to a mutual mistake. The incorrect legal description in our mortgage is not due to a mutual mistake. It is the result of the real estate/mortgage fraud scheme involving our property and under investigation by the Michigan XXXX Police XXXX 

No different than the taxing authority being prevented from foreclosing in XX/XX/XXXX due to our erroneous legal description, PNC can not foreclose our mortgage because of the incorrect legal description. 

In the Civil litigation we have attempted to obtain the information regarding the contact betweeen PNC and the fraudster. PNC is refusing to produce this information causing us increased litigation costs and delays. 

In XX/XX/XXXX, PNC was served with a search warrant by the Michigan XXXX Police. They have failed to produce the information requested. Further delaying the criminal investigation. 

PNC is reporting monthly to credit bureaus the deliquency on the invalid mortgage on our property. It has destroyed our credit score. 

PNC prides itself on preventing mortgage fraud but when caught in a mortgage fraud scheme instead of assisting the victims ( their client ) and the investigators they are chosing to obstruct the criminal investigation and pursuing civil litigation instead against the victims of the mortgage fraud scheme - their clients.
Product: Debt or credit management

I REPORTED A CLAIM TO MY INSURANCE COMPANY ABOUY HAIL DAMAGE THE SENT AND INSPECTOR, TO APPRAISE THE DEMAGE AND SENT A CHECK! MONTH LATER DEALING WITH AMERICAN FUNDING. i FINALLY SUBMITTED THE CONTRACTOR BID AND EVERYTHING ELSE THEY WANTED, AMD THEN MY INSURANCE WENT UP AND THEN THE MORTGAGE COMPANY GAVE THE INSURANCE, ESCROW MONEY THAT i HAD ON THIER ON ACCORD {$1800.00}. WELL i FINALY RECIEVED A PORTION OF THE CLAIM WHICH WAS {$1200.00} WHICH DOSEANT EVEN MEET THE REQUIREMENT FOR THE MATERIAL.

NOW I DONT HAVE A CONTRACTOR BUT A LEAKY ROOF! i HAVE {$65.00} IN EQUITY IN MY HOME SO TO SEND ME A THIRD BECAUSE i WAS LATE # PAYMENT BUT MY MORTGAGE IS BEEN CAUGHT UP AND ON TIME FOR NOW 120 DAYS i THINK THIS IS UNFAIR ALL THE WAY AROUND.
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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : U.S. Bankruptcy Court Account Number : XXXX and list of Inquiries 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: Checking or savings account

I tried to dispute a transaction for XXXX from XXXX XXXX which was unauthorized and PNC refused to dispute it! XXXX posted and app wouldnt let me dispute!
Product: Money transfer, virtual currency, or money service

This complaint involves XXXX XXXX, a sneaker seller who was found to be a Ponzi scheme and is currently under FBI Investigation. 

All consumers who purchased from XXXX XXXX had to pay via PayPal. Once the merchant declared bankruptcy and was put into receivership, each of us had to file purchase protection claims with PayPal for non-delivery of goods. 

Although PayPal has a written policy of how they handle situations like this, they applied the policy haphazardly and selectively, which constitutes discrimination. 

I am part of a XXXX group of several thousand affected individuals which can provide ample testimony and photographic proof of these claims. 

Some people received refunds for charges made less than 180 days of their complaints, which are in accordance with PayPal XXXX XXXX policy. Others received refunds for purchases made greater than 180 days of their complaints, which is not consistent with PayPal policy. 

Many people, including myself, received a blanket decision denying our refunds, even though they were made in the specified time frame. Without any discussions with the affected individuals, PayPal decided to label everyone as a " reseller, '' which automatically denied their claims. As a member of the XXXX group, I have evidence of PayPal allowing refunds to actual resellers, while denying refunds to people after accusing and incorrectly labeling them as resellers. 

PayPal does not apply their policies to all users uniformly. This is duplicitous, immoral, and a violation of the trust given to them by the people who use their platform. Their policies constitute discrimination, which should be investigated and prosecuted on behalf of the American people.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give permission to any credit reporting agency, nor the collection company to furnish this fraudulent account on my consumer report ; I sent a dispute to both Equifax and XXXX collection agency and it was marked as verified and accurate by Equifax but they improperly did the investigation of verifying the dispute.They never notified me { the original creditor } to get verification of accuracy.so im not understanding why the account was not removed from my consumer report. I have been in distress due to the fact that I have been getting denied for all credit related things such as apartments and credit card loans. This has brought defamation upon my character to these financial institutions resulting in XXXX  in regards to my mental health as well as my living situation.
Product: Debt collection

The balance I owed them as of XXXX XXXX was XXXX, by this date they have charged me a total of XXXX $ in fees which they claim I owe them. Their collection fee is XXXX $ and I have been charged almost XXXX $ in interest fees and they continue to charge me those interest fees daily. I am being charged almost a thousand dollars in as little as 6 months and the balance keeps rising daily. I have tried to come up with a settlement with them and they will not take off any fees and continue raising the balance. The balance now is almost what the original loan amount of XXXX was, as if the XXXX $ I already paid doesnt amount to anything. When I originally signed the loan I was not informed of these fees that I would be paying if I defaulted in payments. This can not be legal
Product: Credit card or prepaid card

The issue is with HSBC Bank USA. I recently opened a HSBC Cash Rewards Mastercard in XX/XX/2019. I attempted to make my first payment on XX/XX/2019. It was reversed on that same day, but it did not reflect as such on my account for two weeks. The company also charged a reversal fee of {$25.00}. I called and HSBC claimed it was an issue with the bank. My bank said that there was never a withdrawal attempted, and I had a sufficient amount of funds. I called back again and attempted to make the same payment on XX/XX/2019. Now, there is another hold and the payment has not been made. I can not have a credit card that I can not make payments on, and it's hurting my credit! I need help.
Product: Debt collection

PSC has not sent me my HIPAA release that I have signed. 


They also haven't successfully validated the services I supposedly received. Instead, they told me to call the hospital I supposedly received services at. Unfortunately, I am unaware of a debt that I owe to said hospital. It is Puget Sound Collections responsibility to validate the information they are reporting on my credit report, not mine. 

I intend to follow suit if they can not provide my HIPAA release and actually the following information within 30 days : 1. Provide my signed and dated HIPAA release stating that 3rd parties may collect on my supposed debt. 
2. Provide proof that I received a service. 
3. Provide services I am being charged for. 
4. What the cost of each service is that I am being charged for. 

This company claims they have validated the debt, but they have not. They sent me basic information that can not be proved as mine.
Product: Credit reporting or other personal consumer reports

This is my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

My complaint is with BB & T, XXXX, NC. I have a checking account and a credit card and a Savings account. The Collections department keeps asking for payments, which I authorize, then they say they can't process the account numbers, in the meantime charge me late fees for non payment. I get transferred from one person to another who will only provide their employee number and not their telphone or email contact information.
Product: Payday loan

AD ASTRA RECOVERY SERVICES is an in-house collections company owned and used by XXXX ( XXXX ) Unless I am mistaken, Payday Lenders are not permitted to report derogatory information to the XXXX credit bureau agencies They have reported information of an alleged debt to the XXXX credit agencies which, in turn destroyed my credit
Product: Payday loan, title loan, personal loan, or advance loan

I was receiving solicitations from One Main Financial via email and or text. I originally took out a loan for {$1500.00}. However, I continued to get solicitations with offers up to $ XXXX. I got caught up in the sales pitch and agreed to a $ XXXX personal loan with 35 % interest rate, and it was deposited into my checking account immediately after finalizing XXXX have a personal loan with XXXX XXXX XXXX XXXX for $ XXXX with 17.7 % interest. I am making my payments on time and will continue to no matter the outcome of this complaint. I feel that I was gouged by One Main Financial because my payment history for all my debts and utilities are perfect -- no late payments and my XXXX is at about XXXX. When I tried to get another loan from XXXX XXXX XXXX XXXX they sited my Income to debts ratio and was declined. Following that denial One Main Financial solicited me. I want my interest rate to be reduced to 18 % because I am paying all my debts on time and in full. The debt is a burden and leaves little to live on. Hope you can help me get a lower payment. All my income is military pension, civil service pension and social security
Product: Other financial service

I was told at the first of XXXX of 2015 That Green tree Servicing now Di-Tech Financial that because I had to stop payment on a Cashiers Check that Green tree lost that they would refund me my money back on doing so that I could get them another cashiers check out to them. I have sent several documents and proof of the amount paid and they the bank statements that they wanted. I have been told my refund would be returned to me in 30 days and here we are 90 plus days over and they still wont pay my refund. I want my refund back and I do n't want them to contact me anymore about my home. I have had enough of their lies and this is not the first time I have had to report them going back on their word.I just reported them a couple of months ago for not doing a repayment plan with us when they said they would. I have called several time asking where my refund is and I was told it is in the mail which it was n't. I would just like for Green tree to just once promise to do what they tell people.
Product: Debt collection

I am a victim of identity theft I notified both the collection agency and credit bureaus and the account keeps popping up on my credit report I sent out multiple letters requesting the removal no one has gotten back to me about this it's been over 4 months now. The credit bureaus keep validating a debt that is fraudulent on my credit report with another name not belonging to Me
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not update these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint to follow up the previous complaint I submitted on XX/XX/2022 requesting for the removal of the fraud items completely from my Credit Report. I, once again, sent a letter to the Credit Bureaus requesting that they remove the disputed fraudulent items from my Credit report. Because of the multiple letters I have been sending to the Credit Bureaus as well as their previous actions, I came to a conclusion that the Credit reporting Agencies will once again, neglect my requests. With all the letters I have been sending, the Credit Bureaus has never been able to respond even once. Under the FCRA section 605b, the Credit reporting Agencies are required to remove any account and information that resulted due to identity theft. I am now submitting this CFPB complaint to order the Credit Bureaus to remove the disputed items completely from my Credit Report as soon as possible for they have failed to comply with my requests. I need the following items deleted immediately : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX : {$15000.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$780.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1500.00} XXXXXXXX XXXX  XXXX XXXX Balance : {$1900.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor XXXX XXXX ) XXXX Balance : {$23000.00}
Product: Checking or savings account

on XX/XX/XXXX  capital one Bank in formed me XXXX XXXX XXXX that XXXX XXXX XXXX leveled a restriction on my XXXX personal account alleging I transffered {$600.00} U S Dollars that was not accounted for in my pension payment. I was forced to close XXXX as a result. the attendant mail me {$14.00}? XXXX via cashiers check. My complaint is that Capital One is holding my checks for 7 days in addition to XXXX XXXX XXXX 's get tough policy to run me from that bank Capital seems to put place holding policies that exasperate my issues with XXXX XXXX XXXX
Product: Vehicle loan or lease

I was notified that i could refinance my car through Capital One. To check my rates would not hurt my credit. I was approved and then it did a hrd credit inquiry. I can not get through to anyone to finish the process. I filed a complaint and they said multiple things. They sent me an email and said i could upload the documents. And I had unril lte XXXX early XXXX. I can not uoad now and I can not get through to anyone. Capital One is giving me the runaround.
Product: Credit reporting

Equifax continues to illegally report a credit report item that is beyond the statue of limitations. 

XXXX XXXX XXXX XXXXEquifax continues to illegally re-age the account line. I 've contacted XXXX XXXX directly and received proof from the company that they are no longer reporting the account any credit bureau, yet Equifax refuses to delete the account.
Product: Credit reporting or other personal consumer reports

I currently have XXXX fraudulent accounts appearing on my credit report. 
XXXX. XXXX and XXXX {$16.00} XXXX. XXXX XXXX XXXX {$240.00} XXXX. XXXX XXXX {$190.00} XXXX. XXXX XXXX {$230.00} XXXX. American Credit Accept $
Product: Credit card

This account was reported closed with a XXXX balance in XXXX or XX/XX/XXXX. Here in XXXX of XXXX Military Star reported that I owed them over {$16000.00} but the credit limit was only {$8000.00}. Not only did they report I owed them more than the credit limit, they reported that I opened this closed account in XXXX of XXXX, they are also reporting that this account is a charge off, they are reporting monthly lates, they are also reporting an account that was originally closed in XXXX. They are violating and taking advantage of me which is destroying my credit reputation. I am asking that someone to please look into this. They are reporting derogatory on all three of my reports. Please help me. 

I also have XXXX credit inquires on my report that I didnt give XXXX XXXX  permission to Run my credit that many times. Please remove them. 

Respectfully, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove personal information from my credit report, name is incorrect and also the address listed on the credit files doesn't belong on my credit report. 

On the attachments below i uploaded a few documents showing my physical address and also a copy of my credit report with the errors that's on it circled, Plus many more important documents is attach to it.

According to the act, there shall be no charge for this updated report. I also request that you send notices of corrections to anyone who received my credit report in the past six months. 

These are clear violations of my federally protected consumer rights. 

Thank you for your time and help in this matter
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed I had fraudulent activity on my account Please remove these accounts they are hurting my ability to obtain credit
Product: Credit reporting or other personal consumer reports

The credit inquiry listed below are unauthorized and I have attempted multiple times to contact these companies directly to have them remove and haven't received a response. 

XXXX : date : XX/XX/year> Company : XXXX XXXX XXXX Type : XXXX XXXX XXXX XXXX XXXX  Address : XXXX XXXX XXXX XXXX, TX XXXX phone : XXXX
Product: Checking or savings account

I ended up moving to another address before I knew I was approved for my Unemployement claim.I didnt have a chance to get my debit card. My whole account was wiped out, I didnt notice until 2 years later.. Ive been trying to reach out for some time & was able to get through so I gave up. Until one morning I woke up & decided to call because I was receiving emails I called and found out my account was wiped out. I disputed the claims they denied both claiming it to be me. Its unfair
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has not yet removed derogatory remark that is very old XXXX XXXX   account.
Product: Credit reporting or other personal consumer reports

My personal and financial information was compromised without my authorization. My personal educational records were accessed and shared without my express written or verbal permission in violation of the Family Educational Rights and Privacy Act ( FERPA ). I have filed a formal complaint with FERPA directly. I urgently request that you investigate this happenstance. The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and it is their responsibility to safeguard my information. 

My personal education records, including but not limited to Social Security Number, payment records, bank account information, bank payment records, and Federal Student Aid account details and records were accessed without my express permission by members of the Department of Government Efficiency beginning on XX/XX/XXXX. This information is included in my personal education records. My records were made available to employees/contractors/members of the Department of Government Efficiency ( DOGE ) commission without my written or verbal express permission. I became aware of the disclosure on XX/XX/XXXX, the date on which the information was made available, through newspaper articles via the media. I have had no communication, verbal, written, or otherwise, with any members of the Department of Government Efficiency ( DOGE ). I have not been properly notified or officially communicated with by any members of DOGE in any capacity. I believe that this improper disclosure of my personal information is a violation of the Federal Privacy Act of 1974. 

The following article titled " Inside DOGE 's takeover of the Education Department '', posted on XX/XX/XXXX and published by XXXX XXXX details the access that the DOGE team was granted regarding files within the Department of Education. This article was written by XXXX XXXX and XXXX XXXX. The article details specific members of DOGE who have been granted access within the Department of Education 's email system, and provides additional details regarding XXXX XXXX XXXX access to the back-end systems of the ed.gov website on XX/XX/XXXX. The article specifies that sensitive personal and financial data from the Department of Education is being fed into artificial intelligence software by the DOGE commission. 
XXXX XXXX XXXX