23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Late in XXXX, my wife and I lost a rental property in foreclosure. There was a Home Equity Line on the property as well with PNC Bank. I contacted them and they asked me to continue making payments on their loan, as it was the first Trust Deed that foreclosed on the property. We kept making payments on time for almost 5 years. Then out of nowhere, I received a statement from PNC Bank that they had written off the loan and would no longer accept payments. It took a few days for me to be able to reach someone at their company, and they told me that they may not have had the " right '' to collect the payments after the foreclosure at all so they wrote off the debt. I received a cancellation of debt notice from them and they then reported a charge off on my credit. So now after almost 5 years of paying on time, I have a new negative report on my account because they thought I should n't have had to pay in the first place. 

What I would like to have happen is : 1. The negative reporting should be dated the date of the 1st TD foreclosure ( which was in late XXXX ), so my credit is n't negatively impacted for 7 more years from the arbitrary date PNC decided to write off the debt - XXXX of XXXX. This has already created a hardship for me in that I tried recently to refinance my home and was denied because of this negative reporting. This is for both my wife and myself. 
2. If PNC was n't allowed to legally collect the debt in the first place, then they should refund the 5 years of payments we made after the 1st TD foreclosed. The payments were {$500.00} per month, and over 5 years this equals over {$30000.00}. 
3. There should be some kind of penalty involved for PNC for the arbitrary nature in what they did. I recognize that a foreclosure is not a good thing, but there are certain amounts of time where this is intended to negatively impact a person 's credit. Because of how they handled this, my credit has been impacted not just for the 7 years an item like this remains on a person 's credit, but for an additional 5 years because they are reporting it in XXXX instead of XXXX. This is really unfair in that I paid their monthly payments just like they asked me to.
Product: Money transfer, virtual currency, or money service

I made a transfert of {$500.00} to XXXX since XX/XX/2021 the recipient never receives the money every time I contact xoom they tell me something different they re waiting for a feedback from the receiving bank that never ends eventhough I sent them the recipient bank statement by request they even tells me do not call them they will send me an email that XXXX never happen I do not know how much more I have to wait for a refund
Product: Checking or savings account

I made a deposit in XXXX it was placed on hold for 5 months I was then told the treasury dept said not to let me receive the money so my account closed I contacted treasury and they said check was valid and never discuss anything about not releasing my funds to me
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE OF PENDING LITIGATION SEEKING RELIEF & MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file.Despite my three previous requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re- investigations, you stated that you " verified '' that these items are being " reported correctly ''? You still have not identified WHO in your COMPANY VERIFIED the accuracy of these accounts or HOW they verified them? I 've yet to have received a SIGNED contract between me and the alleged company. As previously pointed out to you, XXXX Law Dictionary, 6th Edition, XX/XX/XXXX, defines " Verification '' as, " Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party '' .At this time your company must be willing and able to produce a document that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this this they must have 1st hand knowledge of the alleged account ( s ) and all that has transpired for the alleged account ( s ), under oath and under the penalty of perjury. Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you ca n't properly " Verify '' the accuracy of any of the disputed accounts. Please be advised that Under Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information which can not be verified. Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section617 if the UNVERIFIED items listed below are not deleted within 10 days. A copy of this complaint along with the three others will also be submitted as evidence in pending litigation provided you fail to comply with this offer of settlement. The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with the Federal Law. I am a litigious consumer and fully intend on pursing litigation in this matter to enforce my rights under the FCRA. In order to avoid legal action I demand that you delete all the unverified accounts listed below immediately & provide me with a copy of updated and corrected credit report showing that these items have been deleted.
Product: Debt collection

I filed a dispute with Santander Asking them to remove me from their files! The account is closed
Product: Credit card or prepaid card

I was a couple days late on a credit card. I couldnt log in so I called the credit card company spoke to an associate that told me if I paid card off in full that theyd wave the late fee. I done as they asked. I received a bill for only a late fee 2 Months later stating it was double {$70.00} plus charged me interest on the late fee. I done as they asked. I still had to pay this to get my account cleared up. However, the associate did knock off some of the $ and they reported me for late fees and interest not any kind of purchases I made after I was told the late fee would be removed if I paid my bill in full as I did. I will never use this card again. They are desperate and hard up to lie to me to get me to pay my balance and still put me as late on my credit report. They are the only late credit card on my credit out of about 12 credit cards.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and 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 those account 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 Never 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 XXXX 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: Credit card

Throughout the history of this account, I've consistently maintained timely payments, ensuring they never surpass the due date. The appearance of late payment remarks on my accounts leaves me puzzled. Referring to 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit card or prepaid card

My Chase credit card was stolen XX/XX/XXXX, followed by approximately {$2200.00} of charges within the day or maybe next day ( plus about {$200.00} of bank fees ). None of the charges were made by me. I reported the card theft to Chase that day, and the charges were adjusted off on my XXXX statement, showing a zero balance ( showing {$1400.00} cash advances before the adjustments ). Then, on about XX/XX/XXXX, I received a call from an employee of the fraud unit that informed me that those charges plus another {$780.00} of cash advances plus various service fees were being added back to my account. I explained that I had not made the charges, which led to a brusque accusation that since my PIN was used and she could not figure out how that could have been done by anyone else, I " had received benefit from this transaction. '' The only way to avoid it was to prove that I had not used the card. Since my 78 years of integrity and several years as a Chase card member was not sufficient proof, she said there was nothing she could do. I still do not know how anyone can prove a non-action. So, my XXXX statement showed all the charges, plus more service fees. I made the minimum payment, which was then reflected on the XXXX statement along with more service fees ; I made another payment on the XXXX statement. In the meantime, I also disputed the charges by letter with the executive in charge, which led to a curt reply from a person who claimed to be a representative of the executive unit and the final authority on any appeal, who stated that the prior action of the fraud unit was confirmed and that I had no other recourse. ( Through all this, I still have not seen the detail of the charges that were added after the XXXX statement, so I do not know when they were made. ) I am shocked at the total disregard of my statement that I did not make the charges as well as the subsequent arrogance and stonewalling of the fraud unit and the executive unit. How can Chase be allowed to prey on people who have no way to defend themselves! I initially thought I was being singled out but now realize after seeing many similar complaints on the CFPB data base that this is a common practice engaged in by Chase.
Product: Debt collection

This company has been trying to get XXXX dollars for something that I never had. I reported it to the credit bureaus 5 years ago and had it removed, now its back. Its for some sort of online school. Every month they are reporting it as a charge off. The collection was just open on my report again on XX/XX/2020 2020
Product: Credit card or prepaid card

On XX/XX/XXXX, I made a {$2100.00} payment on my Citi XXXX credit card. The balance on the last statement was {$21000.00} which included a {$16000.00} Flex Plan advance at 9.99 % interest that we obtained in XXXX for purchasing an auto for a minimum payment of {$360.00} per month and included approximately {$4500.00} in balance transfers with 0 % interest. On XX/XX/XXXX, a {$1700.00} promo balance transfer was due but because of Citis policy of applying anything over the minimum payment to the highest interest rate, I made the payment after XX/XX/XXXX because the interest then went to 20.99 %. I looked at my account today and Citi applied all the payment to the Flex loan instead of the promo balance transfer and when I called Citi, spoke with XXXX, she told me that she could not change the application of the payment because how the payment is treated is really based on the closing date of the last statement. According to XXXX although the balance transfer interest rate went to 20.99 %, I would have needed to wait to pay that higher interest rate promo balance until after the closing of my XXXX statement thereby incurring accrued interest on the {$1700.00} from XX/XX/XXXX to closing. I brought to her attention that my statement and their disclaimers about how overpayments are treated do not include anything about statement closing dates in relation to payments applied to the highest interest rate. She disagreed but said she could give me a deal by making my interest incurred since XX/XX/XXXX go away and she moved the {$1700.00} to a new 0 % interest promo date of XX/XX/XXXX. I told her I would take that because otherwise I would incur interest on the promo but that I was going to file a complaint because I suspect I am not the only person who has dealt with this at Citi. Buyer beware, even if your promo expires, and you go to a higher interest rate, any overpayment will not be applied if you have a lower interest rate on your card. Citi needs to apply payments to the highest interest rate balance in accordance with its own disclaimers and statements.
Product: Credit reporting or other personal consumer reports

I requested for these companies to show proof of the credit accounts reporting to the Credit Bureaus. They responded back with no proof whatsoever. Which is in violation of my rights with the Fair Credit Reporting Act 611 ( a ) ( 7 ). I do not want to request a reinvestigation. I simply want these items removed, IMMEDIATELY! They have been unable to respond in a timely manner and provide the method of verification. Please remove the following items from my credit report to prevent further damage. Thank you! 

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

My SSN brings up a false name and account information for another person that they have linked to me. The other credit bureaus are showing accurate information but Transunion is false and it is causing massive problems in obtaining and using any sort of credit including mortgage, credit cards, and other loans. They will not allow me to speak to them to file a dispute because they can not verify my identity due to the error. After 30+ phone calls to Transunion , other credit bureaus, other bank and creditors that hold accounts, including calls to the fraudulent person 's mortgage company confirming the debt that is being listed on the report is not associated with my SSN. I was told I need to mail in all of my personal information including SSN card and 2 forms of proof of my address. In addition I included statements of accounts, other credit reports showing accurate information, driver 's license, birth certificate, lease agreements, and lists of accurate accounts. 

XX/XX/2020 I mailed all of this information to them. On XX/XX/2020, I received a letter stating that they updated my address to be associated with the wrong person, removed one of the bank accounts that were pulled under, but ultimately could not do anything further as their data furnisher somehow proved that this information was accurate. 

Not only are they refusing to update the records to accurately reflect my credit, they have also now given me all of the credit information to this other person including his full name, all of the addresses he's ever been associated with him, all of his credit information including balances, account numbers, and where current accounts are being held.
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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 alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX IN XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX KY XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX, IN XXXX
Product: Checking or savings account

I opened and funded a 6-month certificate of deposit online. 

At the end of the term I attempted to transfer the balance to another account, but there was no way to do so online. 

I contacted customer service and they informed me that I would have to visit a branch in person. At the time, I was out of town and more than XXXX miles from the nearest TD branch and would not be returning until after their 10-day grace period. 

I explained this to customer service and they said the branch would waive the {$25.00}. penalty. I visited the branch on Monday, XX/XX/XXXX and they refused to waive the fee.
Product: Debt collection

I was contacted by XXXX XXXX XXXX out of XXXX, GA about a debt owed to Barclays. This debt has been paid and dismissed, with proof in writing and submitted to the court clerk of my county. 

On XX/XX/2020 I attempted to contact XXXX ( a contact with the group ) to  find out what this matter was concerning and to try to get a physical address to find out if they were a scam debt collector or not. As XXXX was giving me the address she said, " I am not your child, have your attorney call us '' and hung up.
Product: Mortgage

Bank of America, in violation of their own policies, continues to receive money intended to pay principal, misapplying the monies received in order to continue to charge me interest on the monies received. Currently my balance includes over {$740.00} in excess interest charges. 

I asking CFPB to step in and explain to the Bank of America that they need to follow their own policies and stop deferring application of monies received and to apply the monies as indicated below : The Bank of America continues to hold my money paid towards principal despite my requests to have applied as intended, as listed below : Date Payment Type XX/XX/2023 XXXX Principal only XX/XX/2023 XXXX Regular monthly payment XX/XX/2023 XXXX Regular monthly payment XX/XX/2023 {$10000.00} Principal only XX/XX/2023 XXXX Regular monthly payment XX/XX/2023 XXXX Principal only XX/XX/2023 XXXX Regular monthly payment XX/XX/2023 XXXX Regular monthly payment XX/XX/2023 XXXX Regular monthly payment XX/XX/2023 {$5000.00} Principal only XX/XX/2023 {$9900.00} Principal only XX/XX/2023 XXXX Principal only XX/XX/2023 XXXX Regular monthly payment The Bank of America has acknowledged they have received the above monies but they fail to correct their repeated misapplication of funds received, holding the money while continuing to charge me interest. I believe there will come a class action lawsuit which I am prepared to start. 

I have made three other complaints. CFPB incorrectly closed the last case claiming a response which was dated PRIOR to said complaint was sufficient to close the case. I hold CFPB responsible for its assistance or lack thereof as a supervising bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

After filing a former complaint through the CFPB, Equifax closed the dispute and said " There are one or more accounts with a major derogatory event in your credit file '' but when I try to dispute any negative accounts listed on my credit report, there aren't any to dispute. It says on my credit report " there are no negative accounts to display ''
Product: Mortgage

This complaint is a continuation of prior complaint as it has not been resolved. Complaint # XXXX. Statebridge gave a payoff amount on my mortgage loan for closing that funded on or around XX/XX/XXXX. XXXX I received attached statement showing a balance in escrow of {$1100.00}. On XX/XX/XXXX I received a check for {$280.00} with no explanation whatsoever. This is after Statebridge had provided a payoff amount to my refinance lender in XXXX or XXXX. 

Now they are saying that I had a payment returned for non sufficient funds which is not true. I have included copies of my XXXX bank statements showing where payments were made to Statebridge and as you will see, there was no returned payment. 

I try to call them and have been on hold as long as 30 minutes which is unacceptable so again I ask to reopen my original complaint and ask for an accounting of my loan and escrow account. I am attaching original documentation and email received referencing a person and address that I have no clue who they are.
Product: Credit reporting or other personal consumer reports

ON XX/XX/year> multiple XXXX XXXX accounts were added to my personal credit report. these accounts are not mines. 

account # XXXX balance {$14000.00} account # XXXX balance {$2300.00} account # XXXX balance {$2200.00} account # XXXX balance {$5400.00} account # XXXX balance {$4000.00} account # XXXX balance {$4700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : DEPTEDXXXX XXXX {$750.00} DEPTEDXXXX XXXX {$1700.00} US DEPT ED XXXX {$750.00} XX/XX/XXXX US DEPT ED XXXX {$1700.00} XXXX XXXX XXXX DEPTEDXXXX XXXX US DEPT ED XXXX {$750.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX US DEPT ED XXXX {$750.00} XX/XX/XXXX US DEPT ED XXXX {$1700.00} XXXX XXXX XXXX DEPTEDXXXX XXXX US DEPT ED XXXX {$750.00} XX/XX/XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX {$750.00} DEPTEDXXXX XXXX {$1700.00} US DEPT ED XXXX {$750.00} US DEPT ED XXXX {$750.00} XX/XX/XXXX US DEPT ED XXXX {$1700.00} XXXX XXXX XXXX DEPTEDXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/2020, my wife and I looked into a debt consolidation loan with Marcus by Goldman Sachs. The website specifically said that checking into the available interest rates would not affect our credit score. In fact, we never even completed the information form to get the interest rate. Yet, I later noticed an unauthorized credit inquiry to XXXX  from this company. After trying to call Marcus by Goldman Sachs on two different occasions to have them delete the unauthorized inquiry ( on XX/XX/2020 XXXX, I was not able to get through. In fact, I couldnt even leave a voicemail as their phone system, while I was on hold, hung up on me two times in a row. Then, I tried to call XXXX  to have them delete the inquiry but their phone system only allows one to obtain an annual credit report. Though I tried to access a real person, their system would not allow it. Please help me have this unauthorized inquiry deleted. Thanks.