23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

The mortgage loan against my primary residence was purchased by PNC mortgage in XX/XX/XXXX. Payments are consistently made and applied against the outstanding balance within the grace period defined by PNC mortgage. However, on and after the XXXX of each month, if the payment has not been credited against the account, automated phone calls begin. These phone calls occur up to XXXX times per day and continue until the payment is credited. When I answer the calls, there is sometimes an automated message and other times nothing and no human on the other end. The recording says, please wait for a customer service representative and then the call disconnects. I also have received calls after my payment has been processed. When this occurs, I contact PNC mortgage and I am informed that a call should not have been made and they do not know why I was being contacted. Furthermore, in addition to the multiple automated phone calls, the payment collection process performed by PNC mortgage is abusive, unfair, and deceptive, due to the continuous phone calls without information or the inability to connect to a representative at PNC. During the month of XX/XX/XXXX, I forgot to transfer funds to cover the bills and my mortgage check was returned. Upon my identification of the returned payment, I logged online and paid the mortgage charge, a {$7.00} fee to make an online payment, and a late fee. 3 days after making the payment I received a certified mail package for early intervention and possible home ownership counseling opportunities. I was not even 30 days late and never received a notice other than, if I do not contact PNC within 30 days from the date of the notice I could face foreclosure. The notice required under RESPA and WA State law allows the lender up to 45 days to provide the notice for early intervention. The context of PNC Mortgage 's notice is not to bring attention but rather, to scare average consumers with the possibility of losing their home. I am current on my mortgage and have never been 30 days or more past due. I did not select PNC mortgage to originate my loan and feel as though I am required, with no other option, to pay for a loan refinance with another lender to avoid PNC 's abusive and threatening tactics. It is clear that PNC is unable to effectively manage their systems and controls to mitigate risk and harm to their customers, many of whom must deal with this poorly operated company without a choice.
Product: Credit reporting or other personal consumer reports

Subject : Notice Of Dispute - XXXX XXXXXXXX XXXX To Whom it May Concern, I am writing to express my utmost dissatisfaction and apprehension regarding the handling of the reporting of the account XXXX XXXXXXXX XXXX on my credit report. Upon review, I have identified several clear breaches of the Fair Credit Reporting Act ( FCRA ) in relation to this account, and I am demanding immediate action to address these issues. 

Specifically, I am formally requesting a comprehensive debt validation, encompassing the following details : Original Contract : Provide a complete copy of the original contract between the alleged creditor and myself pertaining to the account XXXX XXXX XXXX. 
Original Creditor : Clearly state the name and contact information of the original creditor associated with this account. 
Original Open Date : Specify the precise date on which the account XXXX XXXX XXXX was initially established. 
Date of Last Payment : Specify the exact date of the last payment made in relation to this account. 
Date Account Was Closed : Indicate the date on which the account XXXX XXXX XXXX was officially closed. 
I am fully aware of my rights under the FCRA, and it is evident that your company has failed to fulfill its obligations in ensuring the accuracy and validity of the reported information. I insist on a prompt response and resolution to rectify this matter. 

Failure to comply with this request within 15 days from the date of this letter will leave me with no alternative but to pursue legal action to enforce my rights under the FCRA. Please consider this as a formal notice of my intention to do so. 

I anticipate a timely response, along with the requested documentation, to be submitted to the CFPB Portal for expedited access. Furthermore, I request that any corrections made to my credit report are promptly reflected.
Product: Checking or savings account

On XX/XX/year>, XXXXXXXX XXXX  closed my accounts, without cause. 
I am aware that this is allowed in their terms and conditions, and I am not disputing that closure. 
However, in doing so, they removed any and all access I had to my bank statements, and have since refused to provide those statements to me in a reasonable manner or time.
Product: Credit reporting or other personal consumer reports

Loan Paid in Full : The loan associated with this credit card was paid in full at closing, in compliance with XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), which states that loan proceeds credited to a customers demand deposit account constitute a cash receipt by the customer, meaning the loan was effectively paid off. 

Late Payments Reported : Despite the loan being fully paid, the account reflects XXXX late payments. This is incorrect, as there should not have been any outstanding payments after the loan closure. 

Refund Due Under Public Law 73-10 ( HJR-192 ) : As per Public Law 73-10 ( HJR-192 ), the loan was discharged through credit, and I am entitled to a refund of any prepaid amount that remains on the account. 

Account Status and Correction : The account was closed in XX/XX/year> and marked as paid. However, it still reflects an inaccurate history of late payments, which should be corrected. Additionally, there has been no refund issued for the prepaid loan balance, as required by 15 U.S. Code 1666d.

Requested Actions : Refund of Prepaid Loan Balance : I request that the prepaid loan balance be refunded pursuant to 15 U.S. Code 1666d. 

Correction of Credit Report : I request that XXXX XXXX XXXX XXXX correct the credit report to reflect that the loan was paid in full and update the account history to remove the inaccurate late payment entries. 

Clarification of Loan Status : I request a clarification of the loan status, ensuring it accurately reflects that no further payments are required, and the account was paid off as of XX/XX/year>. 

Thank you for your attention to this matter. Please review the details and take the appropriate steps to address this complaint. I appreciate your timely assistance in resolving this issue.
Product: Mortgage

My situation is unique in that I was subjected to extreme debilitating harassment, stalking, and egregious actions by many members of the XXXX XXXX Police Department. Threatening messages was relayed to me by many co-conspirators that these people were going to -run me out of my home! Their harassment tactics was so atrocious that it caused me severe and impactful undue rest that ultimately led to me leaving my home in hopes to regain some form of mental peace from the relentless anguishing stress these people were oppressing upon me! I called Wells Fargo ( XXXX ) XXXX on XX/XX/XXXX, spoke with XXXX and explained this very situation to her and it being the reason for the delinquent mortgage payments causing me to fall into foreclosure status. She then expressed her compassion for my unfortunate situation, then transferred me to XXXX in another mortgage area. I was told that he would be the person to assist me with mortgage assistance options. When talking with XXXX and explaining the same details about what I was subjected to by this police department, and other co-conspirators, in short, he stated that WFHM still shows me as the homeowner, I can live in my home, and to consider legal advice. XXXX said there is no current court date for a foreclosure sale of my home. He asked if I was working again and resume normal payments of my mortgage loan again, I said yes. But then he said that because of the foreclosure status, WFHM would not accept any payments from me at this time. This was conflicting information! He then mentioned options for assistance, said that he was submitting my request to underwriting, and provided this website to apply for assistance : ( www.wellsfargo.comXXXX ) - this page is invalid. In my diligence to expeditiously begin this process, I searched today, XX/XX/XXXX, and can not locate any forms on Wells Fargo 's site for me to apply for assistance. I also made an in-person visit to Wells Fargo back in XXXX of XXXX to make them aware of my situation.
Product: Debt collection

I recently checked my credit report and noticed that Wakefield & Associates have placed SEVERAL collections on my credit profiles in the amounts of {$1100.00}, {$1100.00}, {$1600.00}, {$1100.00}, {$660.00}, and {$1300.00}. They claim that I owe these amounts to XXXX XXXX XXXX. I have never been to that medical facility in my life as I've not been to a doctor in a few years. I don't owe anything and this debt is not mine.
Product: Checking or savings account

Over the span of three months, fraudulent charges totaling {$14000.00} were made on my business account, which I discovered at the beginning of XX/XX/year>. Upon realizing this, I immediately contacted Nevada State Bank to report the fraud. The fraudulent charges began in XX/XX/year>, but during the investigation, it was found that the first fraudulent charge of {$7.00} occurred in XX/XX/year>. Due to this, the bank credited only the {$7.00} from XXXX, citing the 60-day dispute rule, and informed me that the remaining {$14000.00} was outside the allowable dispute window. 

Details of the Charges : The fraudulent charges were all labeled as XXXX XXXX  expenses, which are identical to legitimate charges my business incurs regularly. My business spends between {$24000.00} and {$36000.00} annually on XXXX XXXX, making it nearly impossible to differentiate between legitimate and fraudulent charges due to the identical labeling. 
XX/XX/year> : XXXX fraudulent charges totaling {$660.00} XX/XX/year> : XXXX fraudulent charges totaling {$4400.00}. 
XX/XX/year> : XXXX fraudulent charges totaling {$4900.00}. 
XX/XX/year> : XXXX fraudulent charges totaling {$3700.00}. 

XXXX totaled {$14000.00} from the fraudulent account. I was told I was negligent at not finding them so they would not cover the cost. I have attached two statements. Both look identical to each other. Even the best accountant would not be able to spot the fraud. 

The {$7.00} fraudulent charge from XX/XX/year> was not recognized as fraud at the time because it was labeled in the same manner as our regular XXXX advertising charges. This charge was mistakenly logged as a legitimate business expense by my accountant. 
Actions Taken : As soon as I noticed the fraudulent activity, I reported it to the Nevada State Bank fraud department. I spent hours on the phone with the fraud department, and they concluded that it was indeed fraud. However, they informed me that the only recoverable amount was the {$7.00} charge from XXXX because it was the only one within the 60-day window.

I also contacted my business banking representative, who was very understanding and assured me that she would do everything possible to assist. However, her team ultimately denied the appeal, stating that I should have been more diligent in reviewing my statements.

Outcome : The decision to deny coverage for the {$14000.00} in fraudulent charges due to a {$7.00} charge in XX/XX/year> has been devastating to my small business. The charges were cleverly disguised as legitimate expenses, making it impossible to detect the fraud sooner. Despite the fraud department and my banking representative initially expressing that this should be an easy case to resolve, the final decision has left my business with a significant financial loss.
Product: Mortgage

I have XXXX XXXX  as my first mortgage and TD Banks as my 2nd. I filed bankruptcy in XXXX and had it XXXX in XXXX. TD Bank refuses to send me a monthly statement, and we have been fighting this issue since XXXX. XXXX sends me a monthly statement and always includes a letter that says " This is not an intent to collect on a debt. '' TD Bank has sent me noting since XXXX, and the only thing I receive is my annual tax statement. I spoke to an attorney and he said Regulation Z says they must send me my statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX sent me notice for a collection that I do not owe. I have been trying to contact them to resolve the debt and they have been extremely rude and will not help me. I need this removed off my credit, I do not owe this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint through the CFPB in response to the current evaluation conducted by the Credit Bureaus. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. At this time, I solely seek the correct remedy to my personal credit report and dispute the remaining information to fix. The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance Owed : {$3900.00} XXXX XXXX Balance Owed : {$7400.00} XXXX XXXX Balance Owed : {$4600.00} XXXX XXXX Balance Owed : {$3300.00}
Product: Credit reporting or other personal consumer reports

As a protected consumer under Title 15, Chapter 41, I assert that your agency, as a consumer reporting agency, must respect the privacy rights associated with bankruptcy information. This information, as defined by federal law, is a private matter. The fact that LexisNexis has included this alleged bankruptcy based on third-party data sources ( e.g., XXXX, XXXX, and XXXX ) , without clear legal ties to the bankruptcy in question, violates the FCRA. 

Moreover, your agencys actions are also in violation of the Privacy Act of 1974, which prohibits the disclosure of records from federal systems of records without the individuals written consent. I did not provide such consent to LexisNexis for the release of this alleged bankruptcy information from the U.S. Bankruptcy Court.
Product: Debt collection

I was tricked and according to 18 U.S. Code 1341 - Frauds and swindles Allows me to sue up to {>= $1,000,000} or give up to 20 years in prison or both.

I can also File a DMV Investigate and succeed to take your Auto Dealer bond as well for whatever dealership is involved. 
This begin on XX/XX/XXXX at signing. The securities fraud began. I fell behind on payments prettty tough XXXX and in XXXX they stole my property outside of my house in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( 15 USC 1692B, 15 USC 1692E, 15 USC 1692C ) After attempting debt collection with MANY calls emails and texts also letters stating they were trying to collect a debt, they would report me if I dont pay and they are an attorney not a debt collector. Which is very illegal and harassment. Made it public knowledge that I had got repoed. Against my privacy right. 
. They they sold my property for {$10000.00} and proceed to sue me for {$8200.00}. When I asked the alleged lawyer for original purchase agreement they could not provide me with it. Then said if I allow them to serve me I can have it. Oh did I mention they tried to electronically serve me thru XXXX XXXX on an email to my email XXXX, good thing I didnt insert my last 4 of my social id like to mention how illegal that is trying to serve without filing arbitration because of the arbitration clause in contract. Securitization was the next thing I told them is that its very illegal to have sold or bought debt even to a trust. Not only are they attempting to fraudulently collect a debt but my securities have been stolen due to these transactions, they multiple financial institutions but with this one specifically I have traced my information has been traded and sold on the stock markets consistently since I signed promissory note with them. Run me all my coins. ARBITRATION ARBITRATION
Product: Credit reporting or other personal consumer reports

There is information that on my consumer report that is a result of identity theft. I did not provide written permission of instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. You are in violation under XXXX U.S.Code 1681i ( 5 ) removal of Inaccurate/Invalidated Credit Information and 15 U.S.Code 1681 ( e ) ( b ) Compliance procedures maximum possible accuracy & section 604 15 us code 1681 B. 

The identified transactions are not information related to any transaction by me as the consumer ( see attached )
Product: Student loan

I currently have XXXX open student loans with navient. I am not offered a repayment plan based on my income. I have been putting my loans on forbearance and deferment but the interest has added over XXXX dollars to my loans.The company has failed to inform me on deferment period ending numerous times and it resulted in late payment marks on my credit. I have asked numerous time what i can do. I even make payment during deferment periods. I want to pay my loans off not keep adding interest. The repayment amount is more than i can afford a month.
Product: Debt collection

FACTS : ( 1 ) On XX/XX/XXXX, I, XXXX XXXX XXXX, signed a one-year-lease- contract with XXXX XXXX XXXX XXXX . Due to severe health issues ( evidence available ), I explained to the staff : XXXX XXXX XXXX, as a Corporation ; XXXX XXXX, Manager, XXXX XXXX, Assistant Manager, XXXX XXXX, office clerk, I had to leave for XXXX for a special XXXX treatment his physician brother had arranged form him. The therapy is called XXXX, XXXX XXXX- I am a XXXX XXXX person with XXXX and XXXX XXXX and many ailments. ( 2 ) I was assured that his apartment would immediately be put in the market and available for move in so that I would not have to pay not too much money to cover for the rest of the lease time. This is per article 11 of the lease contract ( 3 ) I have been deceived by all the staff and told that the apartment was in the market for rent. I left onXX/XX/XXXX, as I was to fly to XXXX on XX/XX/XXXX. I called the XXXX XXXX XXXX XXXX office several times wondering about the delay as to why XXXX ( XXXX XXXX ) had not called. I was informed that it took 21 days. ( 4 ) I had offered to pay the month of XX/XX/XXXX and following months until the apartment was rented ; however, they refused for they had a plan to defraud, abuse and use me thinking that I am XXXX and perhaps a XXXX XXXX, I would not challenge them for breaching their own contract. They had planned to remodel the apartment on my expense and made it available for move in only in XX/XX/XXXX. The apartment was rented on XX/XX/XXXX, or XX/XX/XXXX. They are demanding that I pay {$8200.00}. Now they are demanding {$9000.00} ( 5 ) The  so-called XXXX never contacted me according to article 11 in the contract and waited until the end of the lease to contact me, which is against the lease agreement as evidence shows. A tenant informed me that the apartment was being renovated and refurbished. I thought that they will relief me since they started remodeling the apartment, which means it was not available for move in. ( 7 ) Company representative, XXXX XXXX, confessed in e-mail ( attached ) dated XX/XX/XXXX, that indeed they had the apartment renovated which means the apartment was off the market and used me to pay rent unfairly and unscrupulously. ( 8 ) All company employees have lied to, abused, and used me, as evidence of e-mail messages show. I believe they have discriminated against me for my XXXX and race. <P/>consider the following : ( 1 ) It is my contention that I owe the defendants no money at all and I should be compensated for the deposit and the last month rent ( 2 ) I  should be relieved from this illegally assessed amount. ( 3 ) I request that the concept of discrimination against me for my XXXX and my XXXX XXXX background be thoroughly investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX XXXX loan was successfully removed XX/XX/XXXX off my Experian credit report. And it has now relisted which is illegal
Product: Debt collection

XXXX XXXX XXXX. 

XX/XX/2021 XXXX XXXX XXXX XXXX, GA XXXX Dear Customer Relations : XXXX XXXX XXXX  I XXXX XXXX, am addressing this correspondence to your Department regarding and incident and service that occurred at your XXXX XXXX XXXX XXXX # ( XXXX ) in XXXX, GA XXXX on XX/XX/2021. Upon initially entering your facility, I proceeded to your appliance area, whereby looking for a sales associate to inquire about the XXXX XXXX. Not alone, others and myself waited for a brief time after another associate ( a custodian ) had a page implemented for help to assist us. 
Approximately and additional twenty minutes went pass when the Manager arrived and apologized for the wait. She then appointed a young man to assist myself and the gentleman waiting on your cash and carry product appliances for his rental properties. My dilemma begins after inquiring about the XXXX XXXX XXXX he informed me that delivery would take place between XX/XX/XXXX or XXXX of the month. He then entered the computer and placed the order in the appliance department and there after we proceeded to the customer service area where I then wrote to your establishment a check # XXXX for the amount of {$2400.00}. at approximately XXXX XXXX. 
Upon arrival at home, I began to look at the receipt of sale and noticed the model number did not coincide with what I had been viewing on the website of other stores within the area XXXX, XXXX XXXXXXXX XXXX Upon going to the XXXX site, I then come to the conclusion that the wrong product had be ordered for my household. Upon returning to the store to correct the discrepancy on XX/XX/2021 I encountered XXXX XXXX and associate in the appliances area and she began to attempt to locate the order from the receipt and informed me that I would need to go back to your customer service department and get a refund. Upon presenting my request to the attendant in that department, she informed me that the check # XXXX had already been submitted and that I would have to receive a refund in appoximedtly five seven business days after the cancellation of the order. 
Instead to avoid another trip, I then contacted my XXXX XXXX XXXX XXXX and initiated the stop payment on XX/XX/XXXX on that morning after speaking with customer service. That brings this matter to your collection Department Source which I have no relationship with prior to this ordeal. 

CERTIGY PAYMENT SOLUTIONS, LLC... PLEASE I look forward to speaking to someone from your department. My contact information is email and telephonically XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my social security.