23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have many issues with PNC Mortgage over the last 2 years. I have never been late and always make extra/principle payments. This past Tuesday I finally had it! They will apply my principle only payments as regular payments. I have sent in by mail indicating payment for principle only or escrow only! They still apply as regular payment breaking it down to the next month with interest added and escrow monthly amount. I can not pay online as I am charged a {$7.00} service fee. I always pay extra every 2 weeks so that adds up of do that over a long period of time. They suggested I do bill pay at bank. I do that and than call each time after posted goes to principle only. 
Now a few times I have to call back a 2nd or 3rd time after initial request that it has not done yet. This results in unnecessary callbacks in same issue for customer. To make matters worse hold time is awful I have waited 20 mins or longer to get someone on phone. Sometimes I get disconnected during call and I call back and put on hold for same duration. I had a XXXX hang up on me in XXXX as I was trying to reset up ACH plan with new amt as my PITI went up. I was frustrated on how to navigate website and could not understand what she was saying. I asked her to hold for a minute to make sure I can get on successfully. I said it 2 times. Because I didnt want to call back and put on hold for a long time over same issue. She said have a nice day and hung. Which I had to call back again. On Tuesday XX/XX/XXXX. I called 3 times over 20 min wait. To discuss my payment of {$500.00} was towards principle only. Spoke with a XXXX  id # XXXX. She was suppose to transfer money to principle only. Now today Saturday XX/XX/XXXX. Nothing has been done. So will be calling back today to once again ask for payment to go to principle. This has cause a lot of wasted time and unnecessary holds. I asked for a supervisor with XXXX on Tues. and put me on hold and came back and said not available I asked for them to call me back. No call was followed up with me. The customer service is terrible. The website is best for those with a PNC bank accts. I have NEVER been late with payments ever with PNC. I am trying to pay this mortgage off as soon as possible to not have to go through with this every 2 weeks. This was not my choice to have mortgage with PNC. My loan was serviced over from XXXX XXXX XXXX. 2-3 years ago. With XXXX I could pay principle payments online with no fees. And see an amortization schedule anytime. I rarely had to call customer service for any issues. I have had mortgage for over 12 years and never missed any payments. This has cause me a lot of wasted time, frustration and treated terribly as a customer. I hope no one has to go through this and get the respect they need.
Product: Debt collection

Collection service is constantly sending paper notice to collect a debt for someone who does n't reside at my address. I 've spoken to the agency and had the letters sent back to them but the notices keep coming to my address.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX improperly reported a late when I was on auto- debit. Person XXXX the phone did not take credit card auth properly. 

XXXX  acct XXXX I have attempted to resolve this issue to no avail. This was reported to the credit reporting agency without my consent and is a violation of my rights according to the FAIR CREDIT REPORTING ACT. 
15 USC 1681 602A states I have a right to privacy.

15USC 1681 section 604A also states a consumer reporting agency can not furnish an account without my written instructions..
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I recently received a copy of my ( Experian, XXXX XXXX XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 


Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXX. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX XXXX Enclosed : copy of ID
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX, My PayPal account ( paypal email = XXXX ) got permanently closed for no reason and my business fund ( {$1500.00} ) is stuck in there. 

I have been using PayPal for the past two years without any issues, and suddenly my account got permanently closed on XXXX XX/XX/2022, no reason was given for the account closure. 
Before the closure my account was temporarily limited on XXXX XX/XX/2022 and I was asked to upload my ID and Bank statement, which I provided, the documents got review, accepted and the limit was lifted with 24hours on XXXX XX/XX/2022. 

Then I continued receiving payment with my PayPal account, then on the XXXX of XX/XX/2022 I request to withdraw some money to my XXXX XXXX  account as I normally do, the withdrawal got delayed as am told that it needed to be reviewed, then the next day been XXXX XX/XX/2022 I received an email from PayPal that I can no longer use their service that my account is permanently closed. 

The money I withdrew last got deposited into my bank account after some days, but I still have {$1500.00} on my account which I can't use or withdraw due to the erroric closure of my account ( I believe my account was closed due to some automated error ) I try contacting them via message through the help center but I can't since the send message option is no longer available, I tried calling their helpline but I wasn't given the opportunity to speak with a customer support representative for reasons best know to them. 

My Primary paypal email address is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX Balance {$13000.00} ; XXXX XXXX XXXX XXXX Balance {$19000.00} ; XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX ; EXPERIAN BUSINESS CRED Inquired XXXX XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX ; XXXX XXXX : XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Account number XXXX This account is not listed correctly. The account should have a XXXX balance. The account date is incorrect. The open date in XX/XX/XXXX to and close date is XX/XX/XXXX. The account is paid as agreed never late. XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 
I sent to Experian on XX/XX/XXXX, asking them to reinvestigate this account I got the investigation back but noticed nothing was modified or updated. 
According to 15 USC 16811 ( XXXX ) So I sent a letter on XX/XX/XXXX requested a description of the reinvestigation and they do not provide it to me which is a violation of 15 USC 16811 ( XXXX ). 
I did not receive description of the reinvestigation.
Product: Credit reporting or other personal consumer reports

I paid the outstanding balance on my XXXX account in-store at XXXX XXXX and requested that XXXX unlock my XXXX. To date, they have not done so. XXXX, XXXX has place my account in Collections. Despite the balance on the account being XXXX.
Product: Credit card

I noticed a late fee was added on my account. Immediately I messaged and called them. As they told me its fraud they stated they would research things and credit my account. I called back in 2 weeks later and they stated that my account was closed and its was credited. All was handled at that point. Today I check my account and they are stating that it is a charge I need to pay, I talked to 3 different reps all telling me other infor.
Product: Debt collection

I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : XXXX XXXX XX/XX/2016 {$1200.00} XXXX XXXX XXXXXXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX XXXX in XXXX, CA on Tuesday, XX/XX/2019 and was helped by a man named XXXX. When it was time to pay and leave, he offered me a XXXX XXXX card and said if i got it, it would take 10 % off my bill. He said that it was a " soft pull '' and talked about the perks of the card. I was interested in reducing my bill by 10 %, but questioned him saying, " are you SURE it's a soft pull? '' He responded very strongly stating that he was sure and even saying, " i don't want to go to court. I wouldn't be giving people false information. '' The only reason i took the card was because he told me it was a " soft pull. '' I did not, ever, give authorization to do a hard inquiry and I want this removed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX : XXXX XXXX SS : XXXX This CFPB complaint has been submitted to request, in accordance with FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ), that you, the TransUnion credit reporting agency , block information on my consumer credit report that stems from identity theft and fraud within four business days of receiving this complaint. The fraudulent, inaccurate, and false information includes XXXX, Account XXXX : XXXX bal. {$17000.00}. XXXX XXXX, Account XXXX : XXXX bal. {$390.00}. Receivable management bal. {$310.00} Account number n/a These accounts have led to numerous hard inquiries and fraudulent collections on my FICO credit report. I am providing a list of the fraudulent accounts you are maintaining that appear on my report. I do not recognize any of these accounts, collections, or hard inquiries. They were not opened, created, or initiated by me, and all are the direct result of identity theft and fraud, violating consumer protection laws, including the Fair Credit Reporting Act ( FCRA ). 

Under FCRA Section 605B, you are required to block this information from my credit report. Attached is a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the U.S. Federal Trade Commission that these accounts, collections, and inquiries are unequivocally tied to identity theft and fraud. I expect immediate action in accordance with consumer protection laws.
Product: Credit reporting

I disputing that the Public Record Information is inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
Product: Credit reporting or other personal consumer reports

I checked my credit report and saw an account reporting that I did not authorize to be listed as it is inaccurate and damaging my life as well as my financial standing.
Product: Credit reporting, credit repair services, 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 Account XXXX Account name : XXXX Account XXXX Account name : XXXX XXXX  Account XXXX Account name : XXXX XXXX  Account XXXX Account name : XXXX Account XXXX Account name : XXXX Account XXXX has violated my rights. Or 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.
Product: Debt collection

My former apartment XXXX XXXX sent us to collections ( Innovative Recovery INC ) on a insanely high move out charge, We had a severe cockroach infestation and XXXX mold growing through the ceiling from a poor roof repair, which leaked every time it rained. We sent in numerous maintance request month after month. After 4 months of dealing with these awful living conditions we left and they charged XXXX {$XXXX} for a rundown godawful apartment, I contacted the apartment to work out a deal and offered to pay the fee 's for breaking the lease, which I was then threatened with a lawsuit if I didn't pay the entire bill immediately. I have XXXX small children who were suffering chronic XXXX infections from the living conditions. When I contacted the debt collector and disputed the debt on XXXX they immediately reported me to all XXXX bureaus and denied my claim and still have not provided me with one scrap of documentation, which I believe is my right under The Fair Credit Reporting Act
Product: Mortgage

I am writing because I am unhappy, frustrated and wholly dissatisfied with my interactions with Nationstars Loss Drafts Department as it is holding my insurance checks hostage. Nationstar ( Mr. Cooper ) purchased my mortgage in XX/XX/2022 from my original mortgage company, XXXX XXXX. I received a notification letter informing me of the transfer. My home experienced water damage in XX/XX/2022 after a pipe broke. I immediately contacted my insurance company, XXXX XXXX, who subsequently sent a water mitigation company and then a repair company. After I sent the first check from XXXX XXXX to be endorsed by Nationstar, I received a letter in the mail informing me that Nationstar required a property inspection after repairs were completed. Whilst I was okay with the inspection, I was not at all okay with paying the cost of the inspection. What feels especially egregious about the fee ( s ) for the inspection ( s ) is that they are added to the principle of my mortgage balance which means I am paying interest on them. When I called to discuss this, I was made to go through an endless, confusing, automated phone tree where I rarely had the chance to speak to an actual human, and if I did they were either rude and unpleasant or based outside the U.S. with minimal English fluency. I am still trying to complete the repairs to my home. XXXX XXXX issued me two additional checks which were also addressed to Nationstar and at this time, it appears as though Nationstars Loss Drafts Department is holding my checks hostage. The last time I provided a check for endorsement, I was told I needed to send over the check and the adjustors worksheet and would receive it back in 2-5 business days. This time, I submitted the checks and the adjustors worksheets sent with each check. Instead, I received a phone call from XXXX XXXX who informed me that I would also need to provide the estimates from each of the companies that performed the repairs. I sent those over. She then stated that unless I paid for an inspection, she would not be sending the funds. Holding the checks from my insurance company hostage like this is unacceptable. I am writing to launch a complaint because as stated, I did not choose this mortgage company and did not give my consent to any of these policies and currently their refusal to issue me those funds is making it so I can not repair my home. At this time, I am still making payments on my mortgage in a timely manner and I have never had a single late or delinquent payment.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts inquiries listed IMMEDIATELY.
Product: Credit card or prepaid card

I received a letter on XXXX from Comenity Capital Bank. The letter told me that Comenity had denied my application for a credit card. I did not make an application.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of identity theft theres 3 inquiries on my credit report that doesnt belong to me and for some reason its not being removed the company names are. XXXX, the next one is Equifax MTG and also XXXX XXXX. I have never requested any credit from those companies
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX  is listing an open revolving account on my credit report. I have never had an account with XXXX. Furthermore, the original account owner XXXX sold the account to XXXX XXXX who had a third party attempt to collect. XXXX/XXXX  continues to list the account that they don't own on my credit report and thus far my escrow is in danger of failing and I'm losing my earnest deposit and other damages in the thousands.
Product: Debt collection

I was summoned to court on XX/XX/XXXX for an unpaid balance owed to Mariner Finance. XXXX XXXX had contacted me on XX/XX/XXXX at XXXX to see if I wanted to make payment arrangements after they had already filed court papers against me. I advised him that I was going to make a payment on XX/XX/XXXX and that was not enough to satisfy my debt. I had called in to speak to XXXX XXXX on XX/XX/XXXX wanting to make payment arrangements for today and on XX/XX/XXXX in the amount of XXXX but he quickly advised me that was n't acceptable. The conversation got heated due to not coming to an agreement on a suitable payment arrangement and XXXX XXXX continued to over talk me. I felt very intimidated when he advised me that I owe them money and I need to pay it. He continued to over talk me and he advised me that I do n't need to be rude to him nor have any kickback. I advised him about my situation and the reason I was past due. I was in a near XXXX XXXX XXXX on XX/XX/XXXX in which I almost got XXXX in a XXXX XXXX XXXX due to the other party XXXX XXXX XXXX the XXXX and nearly XXXX me, his wife and child and maybe himself. I advised XXXX XXXX when I got my settlement back that I would pay this debt off and he kept asking me when I was getting it. I advised him that I was n't for sure. I understand XXXX XXXX has a job to do but that 's not the way to do it. I understand I owe my debt and I own up to my debt that is owed but that 's not the correct way to treat a consumer if they are at least trying to pay. People run into hard times but it seems as if XXXX XXXX is only wanting a paycheck and not wanting to help the consumer.