23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I thought my mortgage company was in the process of getting me a loan modification and I found out that my home had been forclosed. They never told me that my home was sold or anything. All they told me was to send in more paperwork for the loan modification. I still have n't received any information in the mail about my home bein sold. Loan modification was started in XX/XX/XXXX. Please help.
Product: Checking or savings account

On XX/XX/XXXX or XX/XX/2019, I attempted to open a savings account with PNC Bank N.A . As part of the open account process, I was asked to make a deposit into the account from another banking institution. The deposit date was XX/XX/XXXX. When my account was approved, I received a letter welcoming me and was asked to sign a document and mail back to them, which I did on XX/XX/XXXX. 

I was then out of state for 3 weeks on business from XX/XX/XXXX to XX/XX/XXXX and was not able to access my mail. PNC did call me once during this time, but I was unable to take the call as I was busy and asked them to call me back at a later time, which they never did. 

It turns out that the account number that was entered by PNC Bank was not the correct account number ( it was missing a digit ) which resulted in the deposit being returned and PNC bank charging the new account a penalty of {$12.00}. PNC then closed the account due to the negative balance. The account was closed on XX/XX/2019. 

When I returned, I checked my mail and found a statement from the bank which I didn't understand as well as the returned check. 

On XX/XX/2019 I called PNC bank to find out what was happening and they informed me that the account had been closed due to a negative balance because the deposit was returned and that I owe them the balance of {$11.00} ( {$12.00} - {$0.00} interest on the initial {$100.00} ). I spoke to their escalation department and informed them of the situation and they told me nothing can be done because 30 days have elapsed since then and I'm now responsible for paying them {$12.00}. I was also told that the account could not be reopened and I was more than welcome to open a new account once the balance was paid in full. 

I do not think I should be liable for the {$12.00} on the basis that they did not enter the correct account number which resulted in the returned deposit. At the time that I made the initial deposit, no conditions were established as at the time, it was not known if the account would have even been approved. All conditions are provided in the welcome letter that came at a later date. 

I don't want this balance to affect my credit rating and history due to their error. 

Please Help?
Product: Student loan

I went into repayment after graduating in XX/XX/year>. Loans were under XXXX. After COVID and loans went from great lakes to Nelnet they doubled. I have asked for repented response as to how and why they doubled. No answer no explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific information in my document coming about because of the wrongdoing. The items 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 the fraud or extortion. XXXX request of you to remove the following items : XXXX XXXX Inquired on XX/XX/2022 XXXXXXXX XXXX  Inquired on XX/XX/2022. Under the Fair Credit Reporting Act section 605b, you are required by law to remove any accounts and information that resulted due to a stolen identity. If you can not prove that the disputed items are accurate and belonghs to me, immediately remove the disputed items from my Credit File as soon as possible.
Product: Checking or savings account

On XX/XX/XXXX, I visited XXXX XXXX for a tour. I was asked to sign a few documents before the tour, and I was asked for a debit card, and ID prior to the tour for what they claimed was " Insurance Reasons ''. After the tour, I was charged {$250.00}, and the same day I filed a claim with my bank. Since then, I've contacted the company in question and they claim I need to request a cancelation, and it takes 30 days after the cancelation request for it to be in full effect. They claim I would need to pay that initial fee, and then one month of service, then it could be cancelled. I tried to request a block on payments from that company, but my bank claimed that was not possible. The next month I called, and asked again, after another payment had been taken out, and they finally did block payments from that company. That was after 3 months of charges. Yesterday, on XX/XX/XXXX the chargeback was reversed, which put me in the red, and I am now expecting at least 2 overdraft charges. According to my bank they aren't willing to move forward with this anymore. Hence being here.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

HI THIS IS XXXX XXXX XXXX Ferst of all my phone from XXXX XXXX XXXX XXXX  all was hacked XXXX party line never coud not make an appcathoin right for work miss calls mesagis. next one BANKS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Student loan

I receive XXXX billing statements for the same billing cycle instead of a single statement. It is not until the first XXXX is paid that I get a notice for a second amount that is due at the exact same time. I 've spoke with customer service twice regarding this and the first time they said all I had due was the amount due XX/XX/2017 and the next due should be XX/XX/2017, I paid it and now another amount is due for XX/XX/2017 which is contrary to what the customer representative said. My fear is that if I make the entire month payment for the first and lesser of the amount then the rest of the balance will go to principal and the next statement will show the larger of the balance due on the same date. This method would cause me to overpay or to not have enough to make a second payment in a billing cycle causing late fees.
Product: Debt collection

Continuous calling back to back starting at the top of the hour. They would call around XXXX then again at XXXX. I was only3 days past due and paying on a Friday. I had my bill scheduled to pay then.
Product: Debt collection

XXXX XXXX XXXX is continuing to sue people in new jersey. 
XXXX Plaintiff : MIDLAND Funding LLC / XXXX XXXX XXXX Defendant : XXXX XXXX The credit card debt is already charged off by the bank. This charged off debt is being sold to third party. 

Subrogation will not be allowed to a third person who without any obligation to do so pays an indebtedness and this rule is fully applicable to payments of an indebtedness secured by a mortgage. '' ( for debt collectors ) also see title 15 usc 1691 I ( federal debt collectors protection act ) which says " nothing in this title ( fdcpa ) shall be construed to authorize the bringing of legal action by debt collectors. '' When a debt collector misrepresents that it is a subrogee ( has the right of subrogation like an insurance company ) it is actionable ( see federal case XXXX v XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 

The credit card company has already been paid by insurance for the charged off debt. The companies like midland funding llc is paying pennies on a dollar for the charged off debt and harassing people who are already in financial trouble. 

1. Plaintiff admits voluntarily purchasing the alleged account causing the Plaintiff 's damages to its own self. Scienti et volenti non fit injuria - " An injury is not done to one who knows and wills it. '' 2. The defendant reserves the right to plead other affirmative defenses that may become applicable and or available at a later time. 

3. The defendant reserves the right to submit counterclaims that may become applicable and/or available at a later time. 

The defendant requests this case be dismissed with prejudice along with any further relief the Consumer Financial Protection Bureau and Court deems just and proper. 


This is fraud and needs to stop. Please help. 
XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

The response is fraudulent because I XXXX XXXX legally own the property at XXXX XXXX XXXX XXXX XXXX XXXX, MA, XXXX and I do not have any mortgage on this property and neither does my father XXXX XXXX, The only signed mortgage notes are registered at the registry of deeds XXXX from XXXX that has been discharged and the other from XXXX a division of XXXX and no payment has been made on neither of them for over six years which is well passed the statue of limitations for the state of MA, as confirmed with the Federal Trade Commission. US Bank NA and XXXX XXXX XXXX XXXX does not have any signed supporting documents such as notes registered at the registry of deeds, because of this US Bank NA and XXXX XXXX XXXX are breaking the law by denying me my Human and Constitutional Rights and also committing bank fraud.
Product: Mortgage

XXXX my husband and I purchased a house. In XXXX we file bankruptcy but not on our house. My husband died in XXXX, they said we did not have insurance for it to be paid off but we certainly did. I immediately try to remortgage to get away from this bank ( they purchased the bank from my previous lender. At that time a refinance company told me that I could not do because my house was foreclosed on XX/XX/XXXX. I'm still living here making monthly mortgage payments. My bank denies all this, they said it's not true, that they just have lien on my house. I have a friend the works at the courthouse that says there is no such thing on my mortgage. I know someone that works in a bank said shadow for closer means they own the house and I'm being treated as a renter and they can sell it out from u der me any time they want. They stopped paying my escrow in XXXX but I never found out until XXXX. They are still the agent on my escrow, but they are not paying them or forwarding the bill to me. Thank GOD for my boro tax lady. We filled bankruptcy 22 years ago, why now? I admit I was behind and struggled for many years but I am now current and have been for 4 years. They won't report my payment to the credit Bureau because of bankruptcy nor can they take me off the no mail list for the same reason. I need this investigate, because when my husband died they ask me did I take the death certificate to any branch and I said no, they then suggested that wasn't necessary but I took it anyway to my local branch by my house but they never recorded the document.
Product: Debt collection

Over the last 6 months or so, my bank has been taking my entire check. When I called I was told there was an account opened in XXXX and was closed due to it being overdrawn {$1900.00} dollars, and that they spoke with me about back then. This was not me, and I didn't have an account open in XXXX. My account has been open since XXXX.
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 XXXXXXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX  Date Opened : XX/XX/XXXX Account Name : XXXX  XXXX  Date Opened : XX/XX/XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my wallet stolen and subsequently noticed charges that I did not initiate on my capital One credit card. I called Capital One to let them know of the fraudulent transactions and was told to file a police report and go to identitytheft.gov, which I did. ( See Attached ). I sent copies of the police report and the identity theft report from the FTC to Capital One but, they never removed any of the fraudulent charges. Capital One continued to demand payment from me on the fraudulent charges and I was struggling with a newborn child so I was unable to make the payments and Capital One started reporting late payments on my credit reports and charging me late fees. After some research, I found out that the person who stole my identity was caught, jailed, and forced to pay Capital One over {$19000.00} in restitution for fraudulent charges. Capital One is trying to double dip and get payment from me for these fraudulent charges and the person who stole my identity as well.I submitted this information to the CFPB last year and all 3 credit bureaus removed the Capital One account but, a few months ago XXXX started reporting the fraudulent Capital One account again.
Product: Credit reporting or other personal consumer reports

There is a balance on an account with XXXX  on my credit report. 
I have never opened or used an account with XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed below are in accurate. I did not consent or authorize anyone to benefit from my credit. This is a violation of my consumer right. 

Account Name 1. XXXX XXXX XXXX XXXXXXXX 2XXXX XXXX XXXX 3. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I mailed you a letter disputing inaccurate information contained in my consumer reports compiled, maintained, and published by you. 

As per XXXX records, you received my dispute letter on XX/XX/XXXX. Accordingly, as per the FCRA, you were required to conduct a reasonable reinvestigation and delete the disputed information as I requested before the end of the 30-day period on the date on which you received my dispute letter. Here, you received my dispute letter on XX/XX/XXXX ; therefore, your response was due on or by XX/XX/XXXX, instead of sending me a response letter with the results of your investigation of the disputed information, you mailed me a letter claiming that you refuse to perform a reinvestigation. 

Clearly, you have willfully failed to delete the disputed information as I have requested. Instead of deleting the disputed information, you willfully failed to conduct a reasonable investigation of my dispute because you claim to have already validated the furnished information. However, your excuse or assumption is not a valid reason under the FCRA to not reinvestigate my dispute. Note, you have not made any reasonable determination that my dispute was frivolous or irrelevant. Nor have you sent me a notice of such determination that complies with the FCRA. Your failure to reinvestigate is an intentional and/or negligent FCRA violation XXXX I have included a current credit report that clearly shows XXXX has abided by the laws of the FCRA, and REMOVED XXXX XXXX XXXX XXXX
Product: Mortgage

According to your ( CFPB ), a consumer should be able to get a Loan estimate three days after an application with the following information : your name, your income, your social security number ( so the lender can pull a credit report ), the property address, an estimate of the value of the property the loan amount you want to borrow. 

My Question to you ( CFPB ) is, what would define an application when I fill out a form off the lender 's website hyperlink " Apply here/now? '' Inputting the above information and anything else they require does not constitute an application. Churchill Mortgage said my actions were " an application inquiry or preapproval rather than a full application '' ( direct email quote from the XXXX XXXX XXXX ). XXXX refer : XXXX XXXX. See XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX, 2013 ). 

Here is another lender, a direct quote from the XXXX loan XXXX : " Loan estimates are tied to property addresses and are only generated when you are actually in contract on the house and have provided the fully executed contract to the lender. To compare lenders ahead of that, a loan summary will be provided ; it discloses the same fees but is used when a loan is not locked or in contract yet. Some lenders also call this a cost or fee sheet. ''
Product: Credit card or prepaid card

This is XXXX XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The particular account ( MACYS/DSNB XXXX ) that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to the 3Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion, and XXXX must remove and delete the false reporting by XXXX XXXX XXXX opened XXXX/XXXX/2032. I have disputed this account directly and this error has not been removed, this is not my account and I have had identify theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts appear on my credit report because someone has been using my personal information to try and obtain insurance.
Product: Credit reporting or other personal consumer reports

FOR THE COMPANY TO DO WHAT IS FAIR AND EQUITABLE TO ME AS A CONSUMER AFFECTED BY THE EQUIFAX DATA BREACH BY DELETING THE ITEMS IDENTIFIED AS IDENTITY THEFT. 

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

FCRA VIOLATIONS : NOT MINE : REMOVE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOT MY ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX : DEPT OF ED/XXXX  ( XXXX ) XXXX Education DEPT OF ED/XXXX  ( XXXX ) XXXX Education DEPT OF ED/XXXX ( XXXX ) XXXX Education DEPT OF ED/XXXX ( XXXX ) XXXX Education DEPT OF ED/XXXX  ( XXXX ) XXXX Education DEPT OF ED/XXXX  ( XXXX ) XXXX Education DEPT OF ED/XXXX  ( XXXX ) XXXX Education DEPT OF ED/XXXX  ( XXXX ) XXXX Education XXXX  Phone number not available Education XXXX  Phone number not available Education XXXX  Phone number not available Education XXXX XXXX XXXX XXXX XXXX, TX XXXX REMOVE : XXXX XXXX ( XXXX ) XXXX Credit card XXXX  XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX : XXXX XXXX Phone number not available Charge Card XXXX XXXX ( XXXX ) XXXX Credit Card XXXX XXXX XXXX XXXX
Product: Mortgage

During a home refinancing program for veterans, they reported my loan as being late. I was not late, paid mortgage payments as scheduled ... .. while the paperwork was being processed for loan modification period. Wells Fargo sent a letter telling me I was approved and when my payments would resume. I was not late making payments during the process of them refinancing the loan. The dates in question where during the home modification process ....
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer reporting agencies are reporting inaccurate address information on my consumer file. I've mailed in dispute letters. I'm not sure why their employees always mentioned to contact the creditor as if I the consumer control what information the creditor reports. FCRA gives me the right to dispute directly with the consumer reporting agencies by federal law to make sure the information is fair & accurate. My address should only show " XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX '' as it is correctly accurate. 

Delete XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX from my consumer report as it is inaccurate information reporting. You are all in violation FCRA under 15 U.S.C. 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

I have various credit cards with Capital One and they are an excellent company! I truly love them but they have not fixed the late payments that show on my credit report and I am trying to remove those late payments from my credit report since I am trying to buy a house and they are affecting my credit score. 
Late payment dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
I have various cards with capital one but it is the account that ends in XXXX that was opened in XX/XX/XXXX with the credit limit of XXXX Thank you