23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

PNC Bank has been erroneously extracting funds from my account. The company has acknowledged the fault was due to a " coding error '' of their electronic check reader for online banking system. Their coding software was interpreting an incorrect account and routing number for someone else 's check and was withdrawing funds from my account intermittently over the course of 3 years. I did not realize this unfortunately due to this being within my inactive " Growth '' account in virtual wallet. I did not even have checks for this account. 

I caught the error and they apologized, but they only offered to " adjust '' the last 10 transactions for {$1200.00} dollars while they still owe me {$2900.00}. They have admitted fault, and agreed the additional funds were withdrawn due to their banking error. However, multiple party members refused to pay the additional amount due to them occurring too far in the past. 

Of note, they attempted to clear another {$2000.00} check from another account when I pulled the funds, but I did not have enough funds in the account at that time. Instead they charged me {$36.00} for a bounced check that I did not write. Still waiting for that reimbursement. I would like to close the account, but feel like I can not until I get this rectified. 

Total they owe me is : {$2900.00} The credit relationship officer acknowledged they were in the wrong and wished she could reimburse me the full amount, but said her superior refused. She also said they would call me back in 5 business days, which has since passed.
Product: Debt collection

There was XXXX XXXX account that had fraud charges. XXXX XXXX  removed the debt off my credit report and closed the investigation as final no charges to me. This is affecting my credit and I wrote called and let them know the debt was removed.
Product: Credit card or prepaid card

XX/XX/XXXX XXXX XXXX dollars XX/XX/XXXX was the last time I received money out from my prepaid EDD Card I have already used it for Three months and its work good but unfortunately I see that Im not able to remove my money.
Product: Mortgage

XX/XX/XXXX CASE CLOSED ISSUE UNRESOLVED AND RESPONSE NOT ACCEPTED. I hired a company last XX/XX/XXXX to help and assist me with the mortgage modification process in order that it 's with in my monthly income requirements. The property and the home was WILL to me from my XXXX Mothers estate. The property deed and the mortgage did have my name on it since my income was required for my Mother to refinance the mortgage. The company that I hired last XX/XX/XXXX also informed me that there were issues with the mortgage documents saying it was XXXX, which I found out is against the laws in New York State to issue a XXXX loan. Unfortunately the modification that the company worked on for me with Ocwen Loan Servicing happened to be the worst modification that I have ever received in the 9 years of Ocwen. 2 law suits against Ocwen within the 9 years and no assistance They are absolutely the worst and with them reported managing over 104 million mortgages and having 9000 employees, that to me is a serious problem. In XXXX Ocwen threatened me with forclosure, threantened me with a phone call of a XXXX XXXX out of Texas stating that I need to contact him back about my home and property and that he worked for Ocwen Loan Servicing. Grant it I filled Chapter XXXX bankruptacy protection not because of the mortgage because I needed to get reorganized. After once again doing research I find out again the CFPB is once again sueing Ocwen Loan Servicing. After skimming through some of the documents regarding the law suit its the same issues that I have been going through over the past 9 years with this organization. I do n't know if I would call Ocwen an organization or a business, there just plain CORRUPT. The law suit is in fact true and the CFPB needs to take control. Attached are all the related documents including a screen image of the voice mail that I received and is still available on my phone.
Product: Prepaid card

Denied Fraud Dispute Request for Review Dear [ Bank of AmericaXXXX Representative ], I am writing to formally request a thorough review of my fraud disputes regarding unauthorized transactions on my Bank of America XXXX XXXXXXXX XXXX card. I have submitted [ 2 or 3 ] disputes, all of which were denied in less than 24 hours without sufficient explanation. 

Given the urgency and severity of this issue, I kindly request a detailed investigation and reconsideration of my case. Please provide any information regarding why my claims were denied and what additional steps I can take to resolve this matter. 

I appreciate your prompt attention and look forward to your response.
Product: Debt collection

I have my son 's XXXX XXXX medical bill from " XXXX XXXX XXXX XXXXXXXX. '' .Date billed XXXX XX/XX/XXXX amount XXXX XXXX XXXX was born XXXX XX/XX/XXXX. This bill was paid insurance company " XXXX XXXX  ''. But collections agency " AR Resources inn '' trying to collect the debt from me again.I contacted the " AR Resources inn '' several times and explained that the debt was paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in regards to XXXX XXXX on my credit profile This account is in Litigation due to fraudulent activity and also concerning your companies 2017 data breach ( Equifax ) this letter and complaint is also for XXXX, which has cause numerous damages to my consumer profile and my ability to obtain credit. It is Equifax and XXXX job to report all accurate information, but yet i have an account on my consumer profile that is a fraudulent account and is in litigation because of identity theft i am a veteran and i contract in different countries and find myself victim of fraudulent activity due to me not being stationed stateside and i notice these fraudulent accounts upon my return. 
15 USC 1681 C-2 Block of information resulting from identity theft. A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as info that resulted from an alleged identity theft, not later than 4 business days after date of receipt! 
Remove this account asap from my consumer profile and all missed payments associated with XXXX XXXX which is in litigation due to Fraudulent activity with this account!
Product: Vehicle loan or lease

My father 's broker ( XXXX ) pays his monthly car payment to GM Financial by check. For his payment due XX/XX/2019, in the amount of {$450.00} was sent on XX/XX/2019 to : GM Financial XXXX XXXX XXXX XXXX, Az XXXX That is the remit to address provided by GM Financial. The check was endorsed on XX/XX/2019 and cleared dad 's bank of XX/XX/2019. It remains unapplied to his account. I spoke with XXXX by phone. She told me they did not cash the check, saying that they bak with XXXX XXXX XXXX, while the check was endorsed to a XXXX XXXX account. I asked for help from XXXX in identifying the company that cashed the check, but have not heard back as of yet. I suspect that a lockbox service provide misdirected the check, but I have no way of knowing for sure. Despite the fact that I indicated to XXXX that I view this as GM Financial 's responsibility, I have received no support from them on the issue.
Product: Credit card or prepaid card

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX all are card I had not used someone is using my cards I'm XXXX years old Please remove this late payments from my card I asked the card companies several times. Im in a XXXX home. I have my nurse  help me with this. Im too old and sick please help remove this information they are taking advantage of me
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc ) due to an adequate and unfair customer service practices. Which violate the customer financial protection act ( CFPA ). Cash app failed to take timely and effective measures to prevent an address fraud on their platform leaving my account vulnerable and unprotected. Furthermore their dispute resolution practices was unfair and deceptive as they did not apply with the error resolution requirements under the electronic fund transfers act ( EFTA ) regulation E. These actions have caused a significant of inconvenience and financial loss. And I see appropriate redress for these violations.
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 confidentially under 15 USC 1681. XXXX XXXX XXXX XXXX has violated my rights. 2XXXXXXXX XXXX XXXX XXXXXXXX XXXX has violated my rights. 3. XXXX XXXX has violated my rights. 4. XXXX XXXX XXXX- XXXX has violated my rights., has violated my rights. 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may take any consumer reporting 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 information relating to a consumer reporting agency if the persons know or has reasonable cause to believe that information is accurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX These accounts are recorded in an inappropriate way in my history, I want it to be deleted
Product: Credit card or prepaid card

My account transactions were stopped until I verified my identity by pictures of i.d and then a face recognition scan. All 3 times it came back right away it didn't work. So I tried calling support which can't get through too at all. Then tried logging into my account and it says response error and I can't do anything on the Skrill website now at all! And I have money in that account I need.. I am unable to access my account completely now and am more then frustrated. I verified my identity now give me my money.
Product: Debt collection

National Credit Adjusters ( NCA ) has illegally re-aged a collection for a XXXX XXXX loan. The origination date should be XX/XX/XXXX, but NCA reported to all three credit agencies ( XXXX, XXXX, and XXXX  ) an origination date of XX/XX/XXXX, 4+ years later. 

I contacted NCA on XX/XX/XXXX to pay off the debt ( Authorization # XXXX ). NCA representative XXXX ( Facility XXXX, XXXX XXXX ) stated they would report the XXXX  balance but would not correct the origination date. She transferred me to XXXX ( Extension XXXX ) in the " Consumer Response '' department who failed to answer the phone. I called back numerous times to try to speak with him, but every time I got his voicemail. I left a voicemail and did not receive a call back. 

I would like the CFPB to investigate NCA for the illegal practice of re-aging debt to trick the credit reporting agencies into believing the debt is newer than it is. This collection should fall off my credit 7.5 years from XX/XX/XXXX and not 7.5 years from XX/XX/XXXX.
Product: Mortgage

Loanpal has been dragging out my refinance loan for almost six months, promising me each month that they were close to closing it. Also, advising me that technically, a mortgage isn't late until after 30 days, therefore ; I could potentially wait until the very last day to pay it, just in case I would get lucky and they would close my refinance. I filed a XXXX  report because oftentimes I couldn't even get a hold of anyone to know what was going on. There was an extreme lack of urgency and communication, constant rewriting of loan terms, rate lock extensions and perhaps worst of all ; I was told verbatim that my loan officer had " gone up to bat '' for me and got me an interest rate of 2.375. What the coordinator failed tobdisclose to me was the impact that over 2 % in origination points would have on a refinance loan. After asking around with a loan officer friend and HUD I was informed that I was paying for the rate with over {$7000.00} dollars that would take me 9.5 years to pay off. Therefore, I was not being supported and protected, quiet the contrary. Furthermore, on a {$280000.00} loan with a CHFA silent second of a little over XXXX, I was being charged a total of {$18000.00} in closing costs bringing our refinance cost to a grand total of {$310000.00}. Along with a 2.375 interest rate that would bring our mortgage payment from {$1800.00} with a 5.25 % interest rate to a whopping {$1700.00} payment with a 2.375? Loanpal did reach out to me following the XXXX  report offering me a {$500.00} check to remove the complaint. Unfortunately, laymen like me wouldn't understand loan jargon, so the law regarding disclosures still isn't exactly helpful. Origination points are essentially money in their pockets. I am anticipating a situation where I may be charged fees for backing out. I would also like to say that, XXXX  XXXX, the third party verification company for Loanpal ran hard inquiries on my credit four times. Three of which I did not agree to. Furthermore, they repeatedly reached out to XXXX  to inquire about my mortgage payment amount and silent second amount when it should have only been necessary once.
Product: Mortgage

When I first called for assistance, as I am now XXXX and can not work, Mr. Cooper agent advised me to sell my house and take the equity, I was then told I would not qualify for assistance because I have only been in my home XXXX year. I explained I purchased the house when I was not ill and I had gotten very ill at work. I filled out the application she sent me, as she told me I could apply but probably would be denied. 

I have sent in the requested proof of XXXX and proof of what I was receiving as income XXXX times and I keep getting the same email from Mr. Cooper ; " you need to submitt additional documentation '' when I look on line they are still asking for proof of income. 

I called today and my dedicated loan officer would not answer the phone ( XXXX XXXX ) but I was able to talk to someone else who advised the documents I sent in were very specific and not sure why they are asking for me for more but advised to try sending a bank statement. I asked to speak to XXXX and the agent said she was free, and would send her a message to call me so I can find out what is wrong. 

I am completely without funds as of last Friday as my paid family leave has run out. I asked for modification back in XXXX and keep being told I have to wait until I am behind. 

Mr Cooper overs a lower interest rate, and if I had gotten that I would have enough funds to pay for next month. My payment is XXXX each month at 7.1 %. 

Please help me keep my house
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX years ago, on a trip to XXXX XXXX, I met a young man and woman who introduced me to this club called XXXX XXXX. They promised to give travel points as XXXX pays for a vacation. They had a website to book discounted hotels, and although flights were not included, flights were offered as an introduction to the club along with some " benefits. '' On getting back to California, after signing the paperwork, their customer service line no longer worked. I had tried numerous times to contact them to no avail. 
They have been in this fraudulent business for a long time; there are numerous complaints about them on XXXX XXXX XXXX XXXX XXXX XXXX including mine. 
My issue now is they have a collection on my credit report for {$5000.00} together with about {$1000.00} already paid. For a service that was never used, and customer service is not available.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes. I see there is a recent CFPB lawsuit regarding issues with the platform. CFPB 's findings show Zelle has neglected to protect consumers and they also allowed repeat offenders to exploit the systems. With that, users are more vulnerable to scams. I use Zelle numerous times, and Zelle has failed to investigate the claims and recovering funds was not an option. I have serious concerns about consumer safety and lack of accountability. Our money is not protected.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON MY CONSUMER REPORT I REALIZED THAT THERE WERE ACCOUNTS THAT WERE OPEN FRAUDULENTLY IN MY NAME. I DONT KNOW HOW SAID PERSON GOT MY INFORMATION TO OPEN THIS ACCOUNT BUT THIS IS VERY SCARY. I AM WRITING THIS COMPLAINT TO LET YOU KNOW I DID NOT AUTHORIZE THIS ACCOUNT AND IT NEEDS TO BE DELETED FROM MY CONSUMER REPORT IMMEDIATELY PURSUING TO 15 U.S. CODE 1602 ( P ). THIS IS A VIOLATION TO MY RIGHTS OF PRIVACY ACCORDING TO 15 U.S. CODE 1681 ( A ) ( 4 ) BECAUSE INACCURATE INFORMATION IS BEING REPORTED ON MY CONSUMER REPORT THATS MESSING UP MY LIFE WHICH I DID NOT AUTHORIZE DUE TO IDENTITY THEFT, YET YOU REPORTED IT ON MY CONSUMER REPORT WITHOUT MY WRITTEN PERMISSION ACCORDING TO 15 U.S. CODE 1681B ( A ) ( 2 ) WHICH IS AGAINST THE LAW AND IS ANOTHER FORM OF IDENTITY THEFT.

THE ACCOUNTS BELOW WERE NOT AUTHORIZED BY ME NOR CAN IT BE VALIDATED THAT I OPENED THESE TRADELINES. ACCORDING TO THE LAW 15 U.S. CODE 1681S-2 ( A ) ( B ) NO AGENCY SHOULD BE REPORTING INACCURATE INFORMATION ON A CONSUMERS REPORT AND IT SHOULD BE DELETED IMMEDIATELY. I WILL PUT THE INFORMATION OF THE ACCOUNTS BELOW AS THIS IS INVOLVED IN LITIGATION. 

XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX
Product: Student loan

My federal student loans were transferred from Mohela to XXXX XXXX in late XX/XX/XXXX. They were previously serviced by XXXX. I have been in repayment since XX/XX/XXXX on an XXXX plan and have been employed in XXXX XXXX   since XX/XX/XXXX. 

According to XXXX XXXX, Mohela failed to provide any servicing history, including payment history for my loans, at the time of the servicing transfer, even though XXXX XXXX claims to have requested this information from Mohela. 

As a result of Mohela 's failure to provide basic information about my loans, XXXX XXXX states that it can not access any information about my payment history prior to the servicing transfer in lateXX/XX/XXXX. XXXX XXXX is further unable to track my qualifying payments towards public service loan forgiveness prior to late XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX communicates with Experian of closed credit card account, payment never received, in fact, FICO score decreases XXXX to XXXX. 
I make complaint with CFPB plus CFPB informed my complaint will be forwarded to a bank. 

XXXX XXXX XXXX has corrected the mistakes, however, the FiCO score is increased to XXXX. 
My FICO score decreases per XXXX XXXX XXXX  error, in fact, my FICO score has not increased and should have not decreased.. 

XXXX XXXX XXXX  has corrected the mistakes reported to Experian, therefore, my FICO score needs to be at the appropriate score or increase to XXXX the emotional credit worthiness damage committed and Small Business Administration made a hard inquiry plus obtained a credit report with the negative credit worthiness of closed account, payment never received and made me look like a risky borrower. 

Experian need to increase my FICO score. 


I am extremely upset l, in fact, victim of identity theft. 

Please inform Experian to increase my FICO score to the appropriate score.
Product: Mortgage

I purchased a home in Washington DC in XX/XX/XXXX. In XXXX of XXXX, I called Shellpoint Mortgage Servicing to discuss the option of missing the XX/XX/XXXX payment due to some unexpected financial responsibilities. The options I was thinking of were possibly splitting up the payment over the next XXXX payments, or possibly adding another payment onto the end of the loan. But I wasn't sure what options were available to me.

When I called, I was told my payment was going up from {$2600.00} to {$4400.00} due to a significant increase in property taxes. I called DC Office of Tax and Revenue and they suggested I call the DC Department of Buildings. The Department of Buildings told me that they incorrectly categorized our home as " vacant '' and would fix the issue immediately. 2 weeks later the Office of Tax and Revenue said they had a check ready to send back to Shellpoint. They told me Shellpoint had to request the check be sent back to them. 

In the beginning of XX/XX/XXXX I called Shellpoint and let them know the check was ready. They said they would get the check back from the XXXX XXXX XXXX and XXXX and that we could figure out how to make up the XXXX payment after the tax issue is resolved.

After this Shellpoint took months to request to check back from the Office of Tax and Revenue. I would call a couple times a month and they still hadn't requested it. They finally requested it in XXXX of XXXX and did not credit it to my account until XXXX. In XX/XX/XXXX Shellpoint credited my escrow account for {$11000.00}, the amount they received back from the Office of Tax and Revenue. Supposedly my payments went back down to {$2700.00} beginning in XX/XX/XXXX. 

I have made a mortgage payment of at least {$2600.00} every month other than XX/XX/XXXX. I have also paid an extra {$790.00} since then as well. According to a XX/XX/XXXX letter from Shellpoint I would need to pay {$18000.00} to bring my loan current. I am not sure how they got to this number considering I make a payment every month ( other than XX/XX/XXXX ). 

According to Shellpoint, my last mortgage payment was in XXXX ; however, according to my XXXX, the payment has come out every month. I believe Shellpoint might be receiving my checks but not cashing them. Also, when I sign into my Shellpoint portal, the monthly payment amount still shows as {$4400.00}. 

Shellpoint has offered my a mortgage modification. I have asked them to send me a copy of the mortgage agreement, so I can better understand the terms. However, they still haven't done so. I would like to bring the loan current, but I don't understand how the amount could be {$18000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached you will find detailed dispute docs detailing the inaccuracy and the validity of the debt collection attempt. Let 1st say that this account was removed from my XXXX consumer report due to the company performing a thorough verification and validation. So I question what was your verfication process. I don't see anywhere that states where the account was last verified. I don't see a ( n ) account status on this report either so is it reporting open or closed. Account is showing a balance owed yet I have never receivied a 1099-c from the " original creditor ''. The dates last active on this reporting are egregiously inaccurate and of course according to US 1681 everything has to be 100 % accurate on my consumer report. How is that so if the account was properly investigated. I'm willing to battle this to no end to clear my name and preserve my positive consumer rating!! Delete this crap now!!