23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have a mortgage with PNC bank starting in XXXX. 
I lost my job in XX/XX/XXXX because COVID so I applied to skip payments to PNC website and I was approved for 3 months. After that, the benefit was automatically renewed for 3 months extra. 
In XXXX I started back to do my payments, after that, I got a letter with a XXXX  XXXX XXXX which didn't include a pre-paid envelope. I'm not American and I've never sent a letter before so I used the same envelope wrongly and I got it back. I reached PNC and they said to take a picture of the signed page and send it to them by email. After few days, they replied to me that I need to send pictures of all the pages, after few days they said the format is wrong so I need to send a PDF, after that they said I need to submit it by fax and finally I got an answer that it's too late. 
In XXXX the Loss Mitigation representative, XXXX sent me a FedEx envelope with a Conditional Trial Plan, which I attached here ( The pictures were taken previous my signature ), with another XXXX envelope to send the papers signed. I need to do these trial payments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX so I included in the envelope a check with the amount. 
A few days later, XXXX said I got the envelope and I have the money, we are good and you don't need more papers. Days after that, I got another Payment Deferral Agreement, but I thought it was sent by mistake and the conversation with XXXX left it clear to me. 
On XXXX, XX/XX/XXXX, I got a check back with the amount of my first trial payment. I've tried to contact XXXX  but it's impossible and they said I was removed from Loss Mitigation. After losing hours of my time, they said I'll be called back after an investigation on XX/XX/XXXX or XXXX but I don't want to wait more and having any risk of losing my house because of the mistakes of these people. 
I've called today to XXXX XXXX as well because they are the owner of the mortgage and PNC is only an intermediate, doing a terrible job by the way .. 
The only I want is to solve this situation as soon as possible. I don't want to lose my house because a misunderstanding or a very poor job from PNC.
Product: Debt collection

I have a debt collections with a credit card company that sold my account to a debt collector which they have sent my collection to multiple collection agencies. They have summoned me to court to try and sue me for the money that was already paid off with the credit cards insurance company my information was sold multiple times which is a violations of my HIPPA rights
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting incorrectly to XXXX ; Experian and XXXX a balance in the amount of {$9700.00} on the XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) Per the agreement with XXXX XXXX, I returned the defective vehicle within the time allowed under the Lemon Law. There is no outstanding balance due and owing and therefore nothing to report. This account needs to report a {$0.00} balance and {$0.00} past due. This incorrect reporting of a balance due is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these items however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have CLOSED accounts at XXXX XXXX which are disputed and affected by a natural or declared natural disaster. The FCRA and XXXX XXXX protocols require reporting my CLOSED accounts as ( XXXX ) disputed and ( XXXX ) affected by natural or declared disaster. However, my XXXX, Equifax and XXXX credit reports fail to accurately reflect that my accounts as disputed AND affected by a natural or declared disaster. Therefore, my credit reports are inaccurate and not complete for failure to contain the mandatory information. Either delete all my XXXX XXXX accounts or include the statutory reference that my accounts are both disputed by consumer AND affected by a natural or declared disaster.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Transunion Data Breach. I want these items de ; deleted from my credit reports immediately. I am attaching proof that all three credit bureau ( transunion, XXXX XXXX XXXX ) admitted that I was in fact a victim of this data breach and has done nothing. Please help me delete these illegal accounts from my credit reports.
Product: Mortgage

BMO Bank hired a servicing agency to handle all of their Mortgage and Credit loans. I have been trying since XXXX to receive my loan documents. I called on XX/XX/XXXX and spoke with XXXX he advised he would send. Did not receive ; called XX/XX/XXXX Spoke with XXXX he did not see notes, he advised he would send... I then received loan documents on XX/XX/XXXX and it was my old XXXX loan. I now hear from XXXX at BMO Bank that they do not have my loan documents. I asked how are you charging me. She could not answer. My issue is I was advised my loan would never go above {$500.00} per month from XXXX XXXX at BMO Bank ( loan was modified on XXXX ) Second issue is when you call you never have same person so literally it is like a hamster wheel. # is XXXX
Product: Credit card or prepaid card

I have taken advantage of a number of the 12 month 0 % interest offers PenFed has made. As of my XXXX statement, I owed the following : {$2400.00} expiring XX/XX/XXXX ( started as {$3500.00} in XXXX of XXXX ) {$1300.00} expiring XX/XX/XXXX ( started as {$1900.00} in XXXX of XXXX ) {$930.00} expiring XX/XX/XXXX ( started as {$1000.00} in XXXX of XXXX ) After making regular monthly payments, in XX/XX/XXXX I made two payments : {$3800.00} on XX/XX/XXXX {$100.00} auto payment on XX/XX/XXXX As of my XXXX statement it shows that I still owe the following : {$430.00} expiring XX/XX/XXXX {$230.00} expiring XX/XX/XXXX {$160.00} expiring XX/XX/XXXX As I have carried no other balances with any other interest rate during this time, I have effectively paid off the balances due in XXXX and XXXX. I have paid back the totals which I have agreed to based on the 12 months 0 % interest offer. 

The PenFed payment allocation rules will not honor the original agreements because I took advantage of a few different offers.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth 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 alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX WAY XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Hi, My account was deactivated on XX/XX/2022 by the company, there is an XXXX USD worth balance kept in my account. 

I didn't receive any formal notification or official letter from the company regarding the incident, and they did not provide me with any further explanation of how they deactivated my cash account.
Product: Credit card

My XXXX XXXX credit card ( Commenity Bank ) is charging me for a paper statement fee. In XXXX XXXX it is illegal to charge a paper statement fee. Also, because i have set up auto pay through my bank, the paper statement fee was not paid so Commenity Bank charged me a {$30.00} late fee and XXXX % interest on top of that. 

I've called Commenity Bank and tried to inform them of the law but the XXXX i spoke with told me it's not his problem, Commenity Bank charges this fee across the board.
Product: Money transfer, virtual currency, or money service

I tried contacting PayPal but to no luck they can't help me because I sent the money through Friends and Family. I contacted my bank XXXX XXXX they said they couldn't help and the only one who could help me was PayPal. I asked the XXXX XXXX agent to point me in the direction where I can get help if PayPal can't help me and he just hanged up on me. The total amount I sent was XXXX but in 2 payments one was XXXX and another was XXXX on XX/XX/year>. I told my bank I got scammed on XXXX XXXX when I was trying to purchase a car that was going XXXX but the guy said he wanted a deposit so he can hold the car for me and blocked me as soon as the money went through
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Write up n accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 furnish a account without my written instructions Experian, XXXX, XXXX
Product: Credit card

I am formally complaining against MACYS/CITIBANK I for a number of consumer laws that they are in violation of. 15USC1681 ( A ) ( 2 ) dealing with exclusions and how I never gave them the right to report any of my transactions to any 3rd party ( XXXX, XXXX and XXXX ) along with 15USC6801 and 15 USC6802 ( A ) ( B ) ( C ). 

I have contacted MACYS/CITIBANK who has been totally non compliant through this entire process and has been adamant about breaking consumer laws. I asked the CFPB to step in and make sure that MACYS/CITIBANK stand by and address the issues that I noted in consumer law and not to continue to disregard the rights of consumers.
Product: Checking or savings account

On saturday XX/XX/XXXX my CHIME BANK DEBIT CARD was used without my authorization, starting this date the identity thief used my debit card to make purchase of services of money tranfer to another country that i have never been. 

I contacted these merchants and both had their own investigation, they both concluded that someone had used my CHIME BANK DEBIT CARD with a fake identification to make a few payments. 

The companies who have been very helpful with me have both sent me numerous emails asking me to file a dispute with my bank so they can give the money back, the only way they can return the money is thru a chargeback initiated from CHIME. 

However, after numerous rebuttals ( reopened the case 6 times ) CHIME continues to deny my claim. 

I have already submitted a identity theft affidavit, also a fraud affidavit, a police report and also the emails that the companies sent to me asking me to please initiate a chargeback with my bank I am writing this complaint because they keep making fun of me, I HAVE RECORDED CALLS, where all the customer service agents and also fraud prevention agents acknoledge that the investigations team isnt doing their job correctly. 

THEY HAVE CONFIRMED CHIME IS NOT INITIATING A CHARGEBACK. 

what chime is doing is illegal, and i will have to contact the news and i will file a lawsuit CHIME is ignoring my emails and calls, they keep denying my claim without providing mail with reason explaining why they havent even initiated the chargeback I HAVE SUBMITTED PROOF THAT CHIME IS ONLY SENDING AUTOMATED EMAILS SAYING NO ERROR WAS FOUND AFTER I SENT NUMEROUS DOCUMENTS WHERE EVEN A CHILD COULD SOLVE MY CASE. 

please i will contact THE XXXX and also the OCC until i get a fair treatment.
Product: Credit card

I contacted Citi bank 3 months ago, on approximately XX/XX/XXXX, to dispute a fraudulent charge that showed on my account. It was dated XX/XX/XXXX and was for {$370.00}. This was shortly after I had called Citi to close this account entirely. I had made no purchases on this account since XX/XX/XXXX which was when I stopped using the card all together. 

The transaction did not appear as a normal transaction with a merchant but instead showed as payment move then it listed two account numbers. Neither of these account numbers matched any accounts I had either with banking institutions or credit card companies. 

Citi said they would open an investigation and it would take a maximum of 90 days to resolve. Over the coming weeks I called multiple times ( probably 6-8 times ) and spoke with multiple people ( probably around 15 ) trying to get an update on this. I was frequently told by each department that they were unable to help and would be transferred to another department to be told the same. 

I was eventually told by Citi themselves that they were unable to link this charge to me in anyway, but also that they would be unable to refund it because they lacked the ability. 

They said they would continue to try and resolve and would definitely be done within 90 days. I called again today ( roughly 90 days since opening the dispute ) and was once again told they were unable to link the charge to me but still had no resolution on any sort of refund. They asked for another 30 days. I no longer believe they intend to resolve this matter at all. 

They have since removed the credit card from my account without my consent which means Ive lost access to all documents and statements.
Product: Bank account or service

I am the XXXX of my mother 's estate. I have all the necessary documents from the probate court along with the death certificate. I went to the Wells Fargo branch to close out her savings account. I was told that they needed the EIN of her estate account. I have not had to set up an estate account for her other investment accounts, etc. I informed the bank manager that I do not need an EIN to close out the account. He refused to disperse the funds. I contacted a probate attorney and he verified that Wells Fargo does not need to know the EIN to disperse funds. The funds can be dispersed through a check made out to 'the estate of ' but they do not need an EIN to do that.
Product: Credit reporting, credit repair services, or other personal consumer reports

citi bank, the issuer of best buy credit cards keeps reporting fraudulent and inaccurate information on my credit reports. as per IRS publication XXXX, its illegal to post income on a consumer report, as well as a charge off is considered income, therefore it can not be both income and debt. citi bank ( who issues BEST BUY credit card ) filed a 1099-C. please correct and delete immediately. i will take legal action if i have to.
Product: Student loan

I have been paying my loan regularly, no late payments, for over a year. Decided to start paying on principal. Had made full payment a couple days prior, on time, and made a second payment, including " special instructions '' as instructed. I was told only a portion would go to principal, the rest to late fees and interest. I do n't have late fees, but they had given me one! 
I sent the complaint below, but would like to say that Navient is horrible ... .always. I can rarely understand the representatives, email response is slow and reflects little to no attention to the actual complaint/query. They make a fortune. Why ca n't we have decent service?!!! 
Here is my complaint to them : I received a shocking reply to my email and have looked at how you posted my payment with special instructions. I see you included a late fee. PLEASE REMOVE. I had already made the payment for the month, on time, and it registered a couple days earlier. This was to be applied to the PRINCIPAL, as I have been told we can do. The interest for the month was also made in the payment $ XXXX monthly payment made a couple days earlier. Either your processing personnel are inept or you are employing predatory practices. I should be able to pay on my principal. Anything else is usury, as well as false advertising on your part. PLEASE AMEND THE SPECIAL INSTRUCTION PAYMENT IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out disputes to the credit bureaus XXXX, XXXX  and XXXX  about accounts that are reporting on my credit report that doesn't belong to me. I filed an FTC report and police report as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$960.00} 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 ( bank ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1400.00} XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have 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. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of alleged debt, nor therefore any such debt, in fact exist.
Product: Checking or savings account

On Sunday, XX/XX/2023 I had completed a XXXX  and earned {$9.00}. This amount was to be deposited immediately, however it was not deposited. I contacted the company at XXXX and was transferred to a man in a different department when the first representative saw my earnings and stated they were NOT deposited into my account. The second representative claimed that it was posted, however when I told him what the previous rep said and that I had screenshots, he said he would look into it further and put me on hold. After 54 minutes, he never came back onto the call and forwarded me to the after call survey. The screenshots below show the failure to properly credit my account.
Product: Debt collection

Dear Experian, On XX/XX/XXXX requested a removal of XXXX XXXX XXXX from my consumer report and upload an FTC report with with my complaint on CFPB portal. I got a respond from the collection agency stated that the do not violated the 15 U.S.C 1681 and the regulations are only concern you since you guys are the one reporting this charge off in my consumer report. 
Below is the response they had provided after submitted my FTC report to the CFPB portal with my complaint. I need this account to be DELETED from my consumer report. 


VIA CFPB PORTAL XX/XX/XXXX Re : XXXX XXXX XXXXXXXX XXXX XXXX  ( XXXX  ) Consumer : XXXX XXXX CFPB ID : XXXX Dear Sir or Madam : This letter is in response to the above-referenced complaint filed with your office on XX/XX/XXXX. As XXXX XXXX states in her current complaint XXXX has previously provided the accounts loan agreement bearing XXXX XXXX signature but did not remove the account from her credit report. XXXX XXXX states that this is in violation of 15 U.S.C 1681. XXXX position is that those regulations are concerning credit reporting agencies ( Agencies ). XXXX  is not an Agency, nor do we publish credit reports. XXXX obligation under FCRA is to furnish accurate account information for a total of seven years from the date of first delinquency to the Agencies. Additionally in her complaint XXXX XXXX stated that this is identity theft. XXXX XXXX provided her government issued drivers license, as well as an Identity Theft Report. However, in order to investigate the claim, we also need the following documentation. 1. Signed Police Report stating ID Theft Our investigation will include, but not be limited to, contacting the issuing Police or Sherriffs Department to confirm their representation of the submitted materials. XXXX XXXX can mail these documents to the following address : XXXX XXXX XXXX ATTN : Compliance XXXX XXXX XXXX XXXXXXXX, SC XXXX As always, XXXX seeks the opportunity to assist XXXX XXXX and are attempting to contact her again. In addition, if XXXX XXXX has any additional questions regarding this account, she may contact our Customer Care center at XXXX so we may attempt to be of further assistance. Sincerely, XXXX XXXX XXXX XXXX XXXX  ATTACHMENTS 4_CFPB Response XXXX XXXX ( XXXX KB )
Product: Vehicle loan or lease

The company has repossessed the vecle and they sold the vehicle at a auction and still keep haunting me about XXXX they are violating code 15 usc 1692
Product: Credit reporting, credit repair services, or other personal consumer reports

Toyota is reporting inaccurate information on my credit report that is causing severe financial UNFAIR and UNLAWFUL consequences to my financial future. My rights under the FCRA are in complete violation. I'm asking for immediate attention to this issue as my own efforts of disputing directly with Toyota and with all three credit bureaus has not worked for over 6 months.

For one of the two remarks Toyota has acknowledged the error in writing and I was told the late payment information would be removed from my report as TOYOTA acknowledged the late payment history was inaccurate. This has still not happened. 
This account for was paid as agreed and closed on XX/XX/XXXX, and its reported as if the last delinquent payment date was in XX/XX/XXXX, almost 5 years after it was fully satisified. 

While the second inaccurate reporting is even more damaging. 
It lists the vehicle repossession occurred in XX/XX/XXXX, last payment occurred on XX/XX/XXXX, charged off in XX/XX/XXXX. 

But it was posted as if the account was closed only on XX/XX/XXXX (? ), with a balance of {$6900.00} (? ) and from then, its been reporting me late every month since the charged off date. How can late payments continue to report YEARS after the account has been charged off? 

These errors are keeping me from being able to obtain housing of any kind and is also impacting the ability of me as a father to help my daughter pay for college
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been fighting the accuracy of my 12 student loans that have been out of default sine last year of XX/XX/XXXX where i did a rehabilitation program with XXXX and all of my loans have been out of default and paid as agreed with a zero balance as i have also consolidated all of the 12 loans into 1 loan! I sent a email to the CEO of XXXX and got a email back from one of his workers! XXXX XXXX! she informed me that i did in fact have them as my servicer as the original bank XXXX sold it to them back in XX/XX/XXXX! Now in XX/XX/XXXXi had lost my job and apartment so I never received the mail and or the welcome letter that XXXX stated that they infect sent out! Well today she emailed me a letter saying they could not removed the payment status of XXXX past due as that event happened before i rehabbed my loans although XXXX the ORIGINAL bank has done so once i completed my program, but yet XXXX XXXX is saying they can NOT! In the welcome letter that XXXX XXXX sent me it Clearly states that XXXX sold them only 3 of the 12 loans! Which i still never received that letter, she emailed it to me today to show they had a letter but there was no proof to show it was actually mailed out but i would not have gotten it as I was not living at that address. It shows that these loans are supposed to fall of my report next year XX/XX/XXXX! but these 12 accounts that are not even theirs are showing 120 days past due is making it hard for me to get a home. I sent a goodwill letter and have had no luck! But with the information I have they only brought 3 of the 12 loans.