23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

PNC purchased our mortgage. We DID NOT originate with them. We had a flood in our home which caused over {$40000.00} in damage. Our insurance company listed PNC as party to the claim check for rebuilding. PNC made us send them the check and now refuses to release any funds even though we've completed the work and had to pay for all of it out of pocket. I ( the owner ) performed all repairs myself, with my own hands, yet PNC is trying to force me to buy liability insurance at a cost of {$1000.00} insuring myself against any liability arising from me suing myself ; which is absurd. Further, PNC claims XXXX law requires me to have a license to perform repairs to my own home ; which IS NOT what XXXX statutes stipulate. I have spent approximately 6 hours on the phone with PNC in an effort to resolve the issue. At XXXX point I spoke with a person named XXXX ( XXXX hours on the phone ) and XXXX said, after reviewing our closing documents and speaking to multiple supervisors, that I did not need the insurance and that I could make the repairs myself. Thereafter, when I called back because no check had been sent, the new agent on the phone started from square XXXX saying I had to have insurance and a license. It was as if the previous ( grueling XXXX hour argument XXXX call with XXXX never happened! At this time repairs have been completed but PNC refuses to send their inspector out to confirm completion of the work or to release any funds. Due to PNC 's illegal holding the proceeds from our insurance claim my wife and I have been forced to come out of pocket to pay for the rebuilding of our home and load up our credit cards paying for materials. We incur interest on that debt. A law suit is pending, however, consumers should be aware of PNC 's awful practice of holding your insurance funds hostage after your home has been destroyed by a flood.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and used by a thief to get a residence and open phone services. I have lived at XXXX XXXX XXXX XXXX XXXX XXXXfor 5 years this has always been my residence. 
I have never had an account with XXXX XXXX XXXX {$2100.00} I have never had an account with XXXX XXXX XXXX  {$14000.00} XXXX I AM A VICTIM OF IDENTITY THEFT AND I AM REQUESTING THESE ITEMS BE REMOVED FROM MY CREDIT REPORTS IMMEDIATELY. I HAVE NEVER LEGALLY ENTERED INTO BUSINESS WITH ANY OF THE COMPANIES LISTED ABOVE
Product: Credit card or prepaid card

My Synchrony mastercard statement with a due date of XX/XX/XXXX contained two fraudulent charges. I receive the bill in about the middle of the preceeding month, so bill received XXXX, XXXX. XXXX was from XXXX XXXX XXXX XXXX DE for {$59.00}. The other was from XXXX XXXX CO for $ XXXX told Synchrony these were fraudulent charges on XX/XX/XXXX and my card was closed while the case was investigated and I was mailed a new card with a new number. I received a form letter from Synchrony dated XX/XX/XXXX that my fraud claim was not approved because " The purchased item ( s ) were shipped to your address. '' I complained that Synchrony has no receipt from the merchants because I never purchased anything from them ; never heard of them until the charges appeared on my statement. I asked for proof of receipts.This same process has now played out 3 times ( my claim denied but no receipts produced -- because I didn't buy anything and didn't receive anything ). I am sick of the time these fraudulent charges have taken ; I've written letters to Synchrony and called now 4 times. All the credit card company does is re-open the case but never provide proof of the basis of its wrong decision. This is theft. I won't pay the {$80.00}.
Product: Credit card or prepaid card

On XX/XX/2020 I had a total of {$78.00} in my checking and {$230.00} in my savings account through Chime Bank. A person named XXXX XXXX hacked or got into my account somehow and transferred the {$230.00} out to my savings and sent herself {$190.00} transfer. I havent received my {$190.00} dispute nor have I received the other money thats missing because I now have a negative checking balance but when the person transferred over the {$230.00} the balance should have read {$310.00}. If the person took {$190.00} of {$310.00} total wheres the other money? Chime bank states they arent sure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoken with this company multiple times and this still has not been addressed. I received a letter from the company who placed an inquiry on my credit. They are unable to locate any information based on what I provided them. I provided them the same information they are using to report the inquiry.

With that said, I find it unlawful that a company be allowed to report on my credit when they have nothing under my name in the first place. I have attached a letter from the company to confirm the same.

I have tried to handle this with the credit bureau and the company continues to refuse the evidence as well as delete the entry. They are deliberately spewing the same rhetoric repeatedly in the hopes that I would accept that.

This is the first step towards my decision to seek legal recourse.
Product: Credit reporting, credit repair services, or other personal consumer reports

This item is not mine and I am not connected to this account absolutely. Its error in reporting because only one bureau repot this item or I am victim of identity theft which is not also positive. I ask you to remove it because I already submitted the prove.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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 or other personal consumer reports

I did not authorize a credit inquiry from this company on XX/XX/scrub>XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX can not report correctly my address. In XX/XX/XXXX, I sold the house that my wife and I had lived in for 24 years and moved to a new house in the same town. When I ordered my free annual credit report in XXXX it still showed the old address so I contacted Equifax to correct the error. After realizing It was impossible to get anything resolved on the phone, I sent a letter, dated XX/XX/XXXX and furnished them with copies of our countys tax assessors details on our new XXXX state address and explained our move. I also furnished them a copy of my XXXX County XXXX Property Appraisers detailsI on our XXXX residence and enclosed a picture ( back and front ) of my drivers license for identification. Im sure this is complicated by my having two residences, one in XXXX  State and one in XXXX  ; however, I explained that in the XX/XX/XXXX, letter. The XXXX address is my address from late XXXX to early XXXX. From XXXX until mid XXXX we live in XXXX  State. Equifax issued a new report dated XX/XX/XXXX, however the new report still shows the same incorrect XXXX State address. Equifax shows the correct XXXX address as a previous address. 

Since I began trying to straighten this out I have received three Equifax reports under three different confirmation numbers all showing the incorrect XXXX  state address. On XXXX XXXX, I received an Email notice Your Equifax dispute had been completed. When I put in the information they requested they reply Great! Weve found your file. They then ask 4 question to verify that Its me. None of the questions applied to me. When I answered all the questions they replied : the answers you have provided does not match our records ; therefore we are unable to process your request online. 

Note, the final question asks about a student loan dating from XXXX. Im XXXX years old! Ive never had a student loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an error on my credit report with Transunion three times, and have twice received a response that the information is correct. I signed and canceled a contract with XXXX XXXX ( alarm company ) in XX/XX/XXXX. However, this account was reported as a account that was opened in XX/XX/XXXX in collections. Transunion obviously did not investigate. I do not know anything about this collection agency and want it removed from my credit report.
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account 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, credit repair services, or other personal consumer reports

EQUIFAX Dropped my fios score 12 points saying i have closed my XXXX account, i never closed account they have already replaced the card, every time i try to file a dispute with equifax they state they can not find my file, this has happened several times.I want to know why.
Product: Credit reporting

Paid in full and account was closed in XXXX. This account is 7 years old and must been removed.
Product: Student loan

When a client makes a payment on time or early do not flag their account as delinquent. I made a payment due in full on XX/XX/2023 and my payment due date is not until XX/XX/2023. My account was flagged late on XX/XX/2023. Please resolve your system billing issues with your clients payments being made.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX has done it again. and wonder why I have to furiously dispute as they claim which is ilegalc cause even after almost 6 years has passed and they are still reporting inaccurate, inconsistent, and unfair data to my credit files! Why and how have they gone this far and not been imprisoned for their actions that are absolutely illegal. Well we shall see when the Judge has all the facts. Guess what yall?! More violations from the the XXXX XXXX XXXX. 

Violation # 1 Improper and inconsistent first date of delinquency does not match! So XXXX XXXX one is wrong or right?! Lets look a their bogus bill and see! 

Violation # 2 How can the first day of delinquency br on the same day the services were provided? So they are all wrong - these XXXX  cant seem to get it right after all these disputes! its their bills that probe its all wrong!
Product: Credit card

Date of disputed transaction XX/XX/XXXX Amount of dispute {$980.00} XXXX XXXX XXXX Placed an order on XX/XX/XXXX for XXXX ( weekly dose ) of XXXX  ( Mounjaro ) x 3 months for a total of of XXXX Received a total of XXXX ( for XXXX month ) of XXXX  ( Mounjaro ) x 3 months for a toal of XXXX XX/XX/XXXX Chatted with customer service at XXXX upon receipt of order and explained I got the incorrect dosage. 

They requested I return the order and they would be sending me a pre paid label to return. 
XXXX XXXX XXXX XXXX XXXX La XXXX CA XXXX No return label was ever sent to me. 

XX/XX/XXXX spoke with merchant again and they said they would again send a pre paid label to send back the order. 

XX/XX/XXXX spoke with them AGAIN and they still claimed they would send me a prepaid label to return the items. 

NEVER heard from them and NEVER for a return label. 

I shipped the items back to the address above on XX/XX/XXXX and they were delivered on XX/XX/XXXX and still never got a refund. 

All info is attached to this complaint.
Product: Mortgage

Nationstar Mortgage took out my mortgage payment twice this month. My bank stopped payment on the second mortgage payment which had the same draft data as the first payment. I called Nationstar to notify them of the error and the next day they took the money out again. So my bank covered the funds and removed overdraft fees so the bills i was paying with the funds that Nationstar took out of my account could be paid ( things like electric bill and credit card payments ). Called Nationstar again ( this was before a big snowstorm that would have left me in the red with no funds for supplies ) and they admitted their error and paid back the second mortgage payment funds. My bank then took out their temporary coverage but I am still cleaning up the mess Nationstar made of my finances. I suppose I should consider myself lucky considering what some on this web site have endured. I am so sorry for you and empathize deeply. Doing business via XXXX XXXX is not the way to run a business. BTW my mortgage was first owned by XXXX, then sold to XXXX, which refused a refi after many attempts via federal HAMP program ( 3 years process, lost paperwork-so they say -- numerous times, many different agents, started over and over again ), then sold to Nationstar.
Product: Checking or savings account

I have a checking account with Credit karma they froze my account on XXXX XXXX without providing me with a reason. It has been over a week Ive been contacting them about this and Ive had no luck getting access to my account so I can access my funds, they provide me with the same excuse every time thats its being escalated to a higher department, but the higher department never reaches back out. To contact me I have not received not one email.
Product: Credit card or prepaid card

I applied for a credit card while vacationing in XXXX XXXX Nevada on XX/XX/2021 I was approved and received my Barclays credit card on XX/XX/2021 at my home address and called to activate it on XX/XX/2021. On XX/XX/2021 I tried to make a purchase with my Barclays credit card and found out that it had fraudulent charges XXXX that I did not authorize put on the card by merchant Wyndham Vacation. I called Barclays to report these fraudulent charges on XX/XX/2021, Barclays closed that credit card and issued me a new Barclays credit card with a credit limit of XXXX, I received the new card XX/XX/2021. I activated the new card on XX/XX/2021, Barclays investigated the fraudulent charges on the old card number and found that it was a fraud and sent me a new balance on the old card of XXXX balance and I received a letter from XXXX XXXX deleting the charges from my credit report. I start using my new Barclays credit card on XX/XX/2021, then on XX/XX/2021 I tried to use my Barclays credit card with the XXXX credit limit and found out that it was over drawn with fraudulent charges that I did not authorize again from the same merchant Wyndham Vacation on XX/XX/2021 Wyndham charged my card XXXX and again a second fraudulent charge on XX/XX/2021 in the amount of XXXX over drawing my credit limit of XXXX for a total of XXXX. I called Barclays to report these fraudulent charges and was told " I had to wait ten days to report these charges because they couldn't see the charges yet. I asked why they could not see the charges and I could see that my card was over drawn with fraudulent charges. XXXX is the person who told me this on XX/XX/2021 at XXXX Id # XXXX, I asked XXXX how was it even possible for Wyndham to fraudulently add charges to my card when I have only XXXX of available credit, but Wyndham was allowed by Barclays to fraudulent charge my credit card XXXX twice on XX/XX/2021 and XXXX for a total of XXXX. Barclays has yet to respond to these fraudulent charges so I called to have the second Barclays credit card closed also.
Product: Debt collection

I am a consumer and natural person, I can not owe any debts, I am a non-entity, non obligor, non- debtor. MY personal information is worth whatever amount I say it is worth. Any company that has obtained my personal information without my consent is in violation of my GOD given rights to life, liberty, and the pursuit of happiness. 

XXXX XXXX XXXX XXXX is attempting to collect on a debt that was created through fraudulent misrepresentation on behalf of BUREAUS INVESTMENT GROUP PORTFOLIO NO 15 LLC and XXXX XXXX. Comenity bank furnished a Deceptive credit application pursuant to 15 USC 1692j, that did not give full disclosure pursuant to 15 USC 1631. 

Not only is XXXX XXXX XXXX XXXX attempting to collect a fraudulent debt, they have not obtained the consent of the consumer for communication. They have obtained my personal information for their own benefit with has resulted in my identity being stolen. They are in violation of 15 USC 1692c. 

The practices employed by XXXX XXXX XXXX XXXX and their staff have been an attempt to harass, damage my status with creditors and cause emotional distresses during a global pandemic.
Product: Credit card or prepaid card

1.I have never had an account with this company CB/NY & CO XXXX , REMOVE from all credit agencies from reporting.

2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are COMENITY BANK the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Product: Debt collection

I have submitted requests for this account in the past and have not had it removed previous complaints has stated that a universal data form would be sent to my email at XXXXXXXXXXXX i have not recieved it and it is still reflected on my XXXX credit report can you please look into this and email me or comuncate with XXXX to finally get this fraudulent account removed XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 USC 1681 ( b ) - Permissible Purposes of consumer reports, ( a ) In General Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates I did not give Transunion my written consent. No consent is identity theft.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX XXXX XXXX XXXX XXXX I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit card

On XX/XX/year> I purchased an item from XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX and the store clerk asked me for my email and phone number then used my Visa debit card from Wells Fargo Bank to process the transaction. This is the only item I have purchased from XXXX XXXX in the past few years and the product was only {$10.00}. On XX/XX/year> I noticed a fraudulent charge in my Wells Fargo checking account for the amount of {$860.00} from XXXX XXXX. I quickly called Wells Fargo Bank and disputed the charge. On XX/XX/year> I received a statement from Wells Fargo Bank " We have completed our research onto the transactions listed below and found they were authorized or that a processing error did not occur. As a result, on XX/XX/year>, we will deduct the provisional credit of {$860.00} previously provided to you. Please consider your claim closed. '' I quickly called Wells Fargo and asked why they denied my claim and they said whoever made the purchase from XXXX XXXX had my email, phone number, and credit card number and this counted as proof it was me. I then advised this was not proof, because XXXX XXXX has this information already on file. They still declined the claim and would not budge.