23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Mortgage transferred from XXXX XXXX ( Loan # XXXX ) to PennyMac ( Loan # XXXX ) on XXXX. The total principle transfer was {$200000.00} from XXXX, confirmed on XXXX. The total principle received by PennyMac was {$210000.00}. Three payments were made prior to transfer, reducing the principal. 

XX/XX/2020 Principal curtailment {$1200.00} XX/XX/2020 Principal curtailment {$1200.00} XX/XX/2020 Principal curtailment {$210.00} There is currently an interest build on the incorrect balance of {$210000.00} on PennyMac 's side. Confirmed with XXXX XXXX that the principle payments were transferred along with the loan. PennyMac indicated they did not received any of the payments on XXXX. There is a total of {$2700.00} in principal missing, and interest is compounding on an incorrect balance.
Product: Credit card

I have no acknowledgment of this account and I have made this known to the debit organization. I sent out a Debt Validation Letter 90 days ago. I have not received any acknowledgment from the debit organization. I sent the letter XXXX XXXX and did not receive any letter back. I reached out to the 3 credit bureaus on XXXX XXXX, I also sent out a Debit Validation letter on XX/XX/XXXX. I have not received any response yet I am still waiting.
Product: Debt collection

Ally Financial Bank is trying to contact a XXXX XXXX to collect debts. Ally is now calling both my wife and my phones to get in contact with him. We have informed them on multiple occasions that while I do know who XXXX is, I do not know his location nor a way to contact him. I have requested that they no longer contact either me or my wife. They continue to call. 

As of today, I have never had an account or debt with Ally Financial. Also, now when they are calling they are not up front in identifying who they are with or that this call is an attempt to collect a debt. They are calling from XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 XXXX XXXX XXXX Hard checked my credit without my consent. I was under the impression this was a soft pull and would not affect my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my seven endeavor to tell EXPERIAN AND XXXX CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their 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 an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX  SV XXXX XXXX : {$0.00} XXXX XXXX SELF-REPORTED XXXX Balance : {$200.00} ; XXXX SELFREPORTED XXXX Balance : {$390.00} ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX CB XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Debt collection

This debt is complete fraud. Ive had three companies call me under different names for this debt, the last company IQ Data called me and stated they were Submitted this debt to collections and they would ruin my credit for 7 years, the stated I needed to give a 60 days notice when I gave a 30 days notice to my landlord in writing and vacated. There was no lease it expired the month prior, I was in line with my month to month. My landlord kept the deposit of XXXX, this was supposed to be last months rent. I was completely vacated out of this unit and do not owe this, period. They have supplied me with NO EVIDENCE, I have disputed this with two collections already, then IQ data refused to even reply to BOTH the disputes Ive sent them. They have NO PROOF I owe this debt this is entirely based off of a lie given by the landlord saying I was in the unit after posting a letter saying you will have to MOVE IMMEDIATELY if you can not pay rent during COVID, NEVER supplied states letter for California, didnt reply to me or 6 other rental properties I applied to ( have in written that they repeatedly tried ). They have reported this, threatened me, called me after I asked not to, wont reply to any of my evidence, wont supply ANYTHING detailing or showing me the debt and why I am liable for this when there was NO CONTRACT in place and I was NOT in the unit. They REFUSE to provide any explanation and stated I could not verbally ask for any kinds of documents, they stated they couldnt talk to me about this debt until I validated what it was for and I acknowledged the debt without knowing a single thing. This account is not only extremely fraudulent, a complete lie, but was also submitted to collections WITHIN illegal period during COVID 19. They have accused me of being in a lease with NO EVIDENCE. This company did nothing but threaten me, ignore facts, and then send me to collections regardless of all the laws broken and facts showing this isnt mine. Not to mention my boyfriend was also on this lease, we left together, we had a co-signer, yet I am the only one having to deal with this. This collector stated every day I owe more interest and late fees on this account, which is also illegal.
Product: Payday loan

not sure what the debt is for have n't talked to any XXXX someone named XXXX XXXX is calling my cell phone and family members threatening me and my family members that a citation will be issued and served. he states I can stop the process if I pay restitution. the company he says he is calling from is wise law offices? 
but when return phone calls it goes to a answer machine ph # he leaves is XXXX ex XXXX calls from XXXX
Product: Debt collection

On XX/XX/XXXX my wife and I had dinner at the XXXX in XXXX XXXX Utah. We arrived at XXXX and departed around XXXX. We parked our rental vehicle in a public garage across from XXXX where the XXXX leases parking space for free courtesy parking. Its spaces are clearly marked ; we parked in XXXX spaces which are clearly identified. 
We left the country around XXXX XXXX and returned around XXXX XXXX. In our mail was a letter from XXXX requiring {$100.00} payment for a parking violation from XXXX XXXX XXXX. Payment was demanded by XX/XX/XXXX which had already passed. The notice date was XX/XX/XXXX ; however, we had not received it when we left the country on XXXX XXXX. The XXXX notice contains no copy of a ticket. There was no ticket on our vehicle when we left the garage. XXXX patrons do not need to show a receipt or check in with an attendant. The ticket was posted for XXXX. We could have left earlier or later but there was no ticket or we would have returned to XXXX to have the manager deal with it. 
I called and emailed XXXX using information from the XXXX/XXXX/XXXX notice and was not successful in reaching any XXXX. 
At that point I checked my XXXX XXXX XXXX account on line and discovered a {$100.00} charge from ATS processing. I immediately called XXXX to enter a dispute. It so happens that XXXX could confirm my charge for dinner at the XXXX on XXXX XXXX so the representative appeared sympathetic to my claim. I drafted a detailed letter Exhibit C with additional exhibits XXXX, XXXX and D. Please review that letter for more details on the situation. 
In XXXX I received notice from XXXX XXXX that the {$100.00} debit was not going to be charged to my account ( XXXX ). 
This week I received a collection demand from Retrieval-Masters Creditors Bureau ( Exhibit A ) for {$120.00}. The {$35.00} amount, which would have been on a parking ticket, had it been placed on my windshield has gained in value from {$100.00} at XXXX to {$120.00}. Again there is a reference to an event but no documentation. 
In terms of Company information I want to start with XXXX XXXX of XXXX. XXXX covered on Exhibit XXXX of the C XXXX exhibit, a XXXX newspaper reported that more " than XXXX people who used XXXX XXXX will qualify for a refund '' in " {$2.00} XXXX settlement. '' In Exhibit XXXX a XXXX newspaper wrote " XXXX XXXX was accused of issuing unwarranted tickets in private lots. '' The article in detail chronicles many owners who did n't park in the lots and never actually physically received tickets were nevertheless billed anyway. 
Please review my XXXX letter and Exhibits for more details. 
Now I want to review issues with XXXX. XXXX sent a letter which demanded I pay a fine with an additional process fee with no proof ( ie., no copy of a ticket ) and no opportunity to challenge the ticket. It states, " Per your rental contract with XXXX, you are responsible for all fines, penalties and processing fees related to any and all violations. '' I checked my XXXX Confirmation which has the XXXX regulations, and that language is not in there. 
Further, if the language is in there, it is wrong because it waives due process rights.
Product: Debt collection

On XX/XX/2019 I got a call on my cell phone from the number XXXX XXXX XXXX XXXX. The lady told me she was from Central Portfolio Control and that she wanted to verify some of my personal information over the phone with me regarding a business matter. I told her I do not have any written notice about this issue. She told me she was calling from XXXX, MA and that a notice was sent to me on XX/XX/XXXX. She stated my address of XXXX XXXX XXXX, XXXX, MA XXXX. I did not confirm any information with this person over the phone and stated I did not get anything over the mail. She said to give it a few days and I should get something in the mail. I then hung up. This person did want to verify my personal information over the phone and was very insistent and I refused to do so over the phone. 

Please help me verify this matter with this company and if I can have written proof of the issue.
Product: Checking or savings account

I am writing on behalf of my father  XXXX   XXXX , who is happily retired and resides in the  XXXX   XXXX   (   XXXX  ). He attempted to use his ATM card at an ATM machine in the  XXXX   XXXX  as he has done so for the last twelve years, since retiring to the  XXXX   and  the machine did not return his card. He was advised by bank personnel, that he should contact his ban k ( Banco Popular ) in    XXXX   XXXX  , where he opened the account, so they can send him a new one. Issue  # 1  :  Banco Popular d oes not have an  XXXX  number accesible from the  XXXX   XXXX , which made it almost impossible fo rhim to contact the bank. He had to call me in the  US (   XXXX   XXXX   ) an d have me conference in  Banco Popular who g ave him the run around, before hanging up on him several times, because they were frustrated that he ( at  XXXX   years old  and with an education level of   XXXX   XXXX  , was unable to answer the questions they were asking him. When we finally got through to a representative who was willing to assist him, she ordered the new card for him, but told him she was unable to send to his address  in  XXXX  and  he would have to travel to  XXXX  to pick-up ... He asked if he could change his mailing address to his sister 's house, so she would be able to send via   XXXX   upon receipt. The rep advised him that she would have to transfer him again to the queue, so they can assist him. He was on the phone for over an hour and the issue was not resolved. I called last week and explained the situation to a rep and she advise d me ( hi s son ) that a manager would call him back ... it is  now one w eek later, no call back, so he called again this morning and verified all his personal/pertinent information, but because he was unable to answer questions pertaining to a  XXXX   XXXX  and "  XXXX  '', they told him he was unable to update the address. When he asked who is  XXXX  and  XXXX , he was advised that the ban k security system u ses random questions, about individuals tha t may or may n ot be associated with him .... Issue  # 2 ... this totally confused him, he verified name, SSN, DOB, Address in  XXXX , amoun t being deposited into his account and they were unable to address his concern. They told him he would have to travel to  XXXX  to speak to a rep at the branch .... this is a  XXXX   year old  retired man, who lives on a fixed income and depends on these funds for his survival ... he is unable to afford a plane ticket to th e US, jus t to speak to someone in person and the next time he is scheduled to visit, is when he has a doctor 's appointment in   XXXX / XXXX . There  should be an easier way for retired individuals, who spend their whole life working in th e US and saving their small paychecks to be able to retire in peace, to be able to communicat e and resolve simple administrative issues with their financial institutions.
Product: Credit reporting or other personal consumer reports

Your immediate attention and resolution of this matter are highly valued and appreciated.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagging posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices where transactions settled with insufficient balance despite initially available funds. I believe these practices are unfair and request and investigation into my account interactions.
Product: Credit card

I applied this XXXX XXXX signature card in XX/XX/2024 for the XXXX mile bonus with {$4000.00} spending within 3 month requirement and I made that requirement within that period. I made sure with XXXX before I start to using the card that Terms still attached to the card on activation process. but I didn't received it up until now. I requested that to the manager line XXXX times that I didn't received sign up bonus mile as it described on application form. 

But my request was declined.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a recent data breach, and as a result, unauthorized accounts and inquiries have appeared on my credit report. I am requesting the immediate blocking and deletion of the following accounts and inquiries, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts were opened fraudulently without my consent or authorization. 
Accounts to be blocked and deleted : XXXX. XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$0.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/year> Balance : {$310.00} Inquiries to be blocked : XXXX. XXXX XXXX XXXX XXXX Date : XX/XX/year> XXXX. XXXX XXXX XXXX Date : XX/XX/year> XXXX. XXXX Inquiry Date : XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting on all my credit reports that I had insurance with XXXX insurance which I Did but I called and cancelled my insurance because I moved to New Hampshire were I didn't have to has car insurance. Car insurance is not required in New Hampshire. The are saying I didn't call and cancelled and they just automatically renewed my insurance even though I didn't want them to. I want proof that I didn't call and cancel I cancelled asked for proof under credit section 690 they must provide me proof I didn't call and cancel if the can't prove I didn't call the must delete from credit reports immediately
Product: Credit card or prepaid card

PNC points VISA PNC Bank Credit Card XXXXXXXXXXXXXXXX balance now over XXXX on a XXXX limit. Had tried closing the account at XXXX balance but they never allowed it to close and problem person used credit card. 

help please.they will not close the account even when it was at {$1200.00}. I have repeatedly asked them to close it and they say they are but do not take action, then try jacking up the credit card even further.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is in violation of the FCRA for reporting unverifiable and incorrect information on my credit report. 

So, how is Experian verifying this information if the information is no longer in XXXX system and the U.S. Bankruptcy court did not give them this information? 

By Experian reporting inaccurate and unverifiable information it has caused me financial hardship in my personal and business life. 

I have attached the letter from XXXX showing proof that this bankruptcy was removed from their system because it could not be verified! 

Also, I have attached a letter from the US BANKRUPTCY COURT stating they did not supply this information to the credit bureaus. 

So, my question is who is supplying this information to Experian? 

I have also attached a screenshot of Experian being dishonest saying that the courts supplied them with this information which is untrue. 

Experian is in violation of not properly investigating and also reporting incorrect information which his illegal per the FCRA. 

The computer-generated response I received is unacceptable and I am losing patience. If the information is not immediately removed, I will be forced to seek legal counsel for relief through the court and file complaints with regulatory enforcement agencies including the FTC and my state attorney genera
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this message finds you well. I am reaching out regarding an issue with my XXXX XXXX account, as reported on my credit report. 

The report shows one instance of a missed payment for this account. However, there are several months where no data is reported at all, leading to an inconsistent and potentially inaccurate record of this account 's standing. 

According to the Fair Credit Reporting Act, all data reported on a credit report must be 100 % accurate. In this case, due to the inconsistencies and potential inaccuracies, it appears this standard has not been met. 

These inconsistencies are negatively impacting my credit score. I respectfully request your assistance in rectifying this situation by removing this account from my credit report, due to its potentially inaccurate reporting. 

Thank you for your prompt attention to this important matter. 

Best regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are not mine. 
XXXXXXXX XXXX Account number XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account number XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX {$2900.00} - Date Opened - XX/XX/XXXX ) ( XXXX - Amount {$36000.00} Account Open XX/XX/XXXX ) ( XXXX XXXX - Account XXXX XXXXXXXX - Date Opened XX/XX/XXXX Amount- {$70000.00} ) I XXXX XXXX am a victim of Identity Theft. I have experienced tough and egregious hardships because someone has stolen my identity. I can not get credit anywhere. This has ruined my life. I lost my job last year and tried to refinance my house and car, I was told " sorry '', we can not help you. I filed a police report this year on ( XX/XX/XXXX ) ( report XXXX XXXX ) with XXXX Police Department. I've also mailed in certified letters to Equifax. I received nothing. Im also sure my information was leaked due to the information breach with Equifax. I was instructed to go to XXXX I was prompted to enter my last name and the last six digits of my social security number, at that point I saw that my information was compromised due to Equifax security breach. The thieves even went as far as filing fraudulent income taxes on my behalf! The thieves are continuing to use my credit. I've faxed all XXXX bureaus, as well as called them, At this point I have hired a Consumer lawyer to assist me in this matter XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, IN XXXX. He notice several instances where Equifax are in non-compliance with the FCRA. I'm a victim but yet I'm treated as if I'm nothing. The following accounts are : XXXX XXXX XXXX XXXX {$2900.00} - Date Opened - XX/XX/XXXX ) ( XXXX - Amount {$36000.00} Account Open XX/XX/XXXX ) ( XXXX XXXX - Account # XXXX - Date Opened XX/XX/XXXX Amount- {$70000.00} )
Product: Debt collection

Credence Resource Management is sharing my nonpublic personal information with non affiliated third parties XXXX, XXXX XXXX XXXX. Credence Resource Management does not have my consent to have and share my private personal information. They are violating my right to privacy as a consumer, reporting inaccurate, false, damaging information to the consumer reporting agencies. They are in violation of multiple federal laws.
Product: Debt collection

In XXXX of 2021 I XXXX, fully settled and payed the amount needed to Completely close the debt Between the law office of Jennifer McCoy and XXXX XXXX apartments, I do not have any debt owed to national credit systems. The collection was sent to the law office of Jennifer McCoy where it was paid in full. The debt showing on my credit for XXXX XXXX XXXX should have never been created or placed on my credit. Although it shows balance of XXXX $ and account still open, it should have never been there to begin with. My credit should ONLY show XXXX credit and debt paid in full and closed account under law office of Jennifer McCoy
Product: Checking or savings account

This is the second complaint for a previous complaint that has not been resolved by PNC Bank. Originally filed on XX/XX/22 for an illegal bank issue that occurred on XX/XX/22 and was brought to PNCs attention on XX/XX/XXXX and assigned a case # by PNC on XX/XX/22 for fraud. CFPB complaint # XXXX was NEVER resolved by PNC and for them to say otherwise is a false statement. On XX/XX/22 an employee of PNC ( XXXX NJ ) abetted in an unlawful act with their nefarious client by allowing a check in the amount of {$13000.00} made payable to The ESTATE OF XXXX XXXX to be expropriated into THEIR clients PERSONAL ACCOUNT. What makes this more egregious, is facts and red flags that should have legally safeguard this estate check. First, the check is clearly made out to only the estate of XXXX XXXX BUT the check ( on the back ) is signed by the deceased. Second, it is endorsed by their nefarious client and deposited into their PNC checking account. Third, Im sure this check was held until it cleared through PNCs safeguards for fraudulent activity, yet it cleared into their clients account via a criminal act. Lastly, PNC admitted to me on a phone conversation ( which according to them is a recorded line & I recorded as well ) that a fraudulent act did occur but is under investigation. They refused to return the money that was stolen by their client, which was abetted by their employee and states the responsibility lies with the issuing company, XXXX XXXX. I was on a 3Way call with PNC, XXXX and myself when PNC told XXXX it is policy and banking protocol that XXXX bank file for fraud due to funds not being received by the estate. XXXX contacted their bank, Bank XXXX XXXX, and they said that there are banking policies and governing laws that ALL banks must follow and yes, the two banks would work together to ensure the check is INTERCEPTED and funds returned to the proper and legal parties BUT when PNC ALLOWED the check in question to be ILLEGALLY DEPOSITED into THEIR bank by an UNAUTHORIZED party- ALL LIABILITY FALLS ON PNC XXXX. At this point XXXX  XXXX XXXX and XXXX will not entertain PNCs tactics to avoid responsibility for their role they have played in allowing a criminal act to continue without any accountability on their part involving their employee or the criminal themself. My XXXX XXXX is the victim and her estate is not able to move forward without PNC stepping up and acknowledging the clear FACTS that their employee, either unlawful or recklessly, allowed a thief to steal {$13000.00} from an estate and when the funds are rightfully returned to the estate, PNC can legally go after XXXX XXXX for stealing {$13000.00} from PNC bank.