23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Hello, My Name is XXXX XXXX. I am contacting you to address my concern/ complaint against PNC Mortgage as they have not followed through and complied with the law in accordance with Loan Modification due to desaster ( Hurricane Harvey ).

I was laid-off from my employment due to Hurricane Harvey on XX/XX/XXXX ( currently employed as of XX/XX/XXXX and not able to bring my account current due to unemployment ).

I had contacted my mortgage company ( PNC Mortgage ) inXX/XX/XXXX and informed them of my situation and they placed my loan on Forbearance for six months. During that time, I was in constant communication with my mortgage company and was asked to send in a hardship package if not able to bring the loan current. I did just that in XX/XX/XXXXand I was told the loan could not be reviewed for modification since it was in forbearance and to wait until forbearance ends. My forbearance ended on XX/XX/XXXX. As requested, I emailed the documents to my assigned rep XXXX XXXX on XX/XX/XXXX to make sure they received the documents as the forbearance ended as requested by the rep. Now I'm being told it was not reviewed and that my loan will go to foreclosure proceedings on XX/XX/XXXX. Today, I was asked to send the package again, and I have sent it in again for the 3rd time. I am extremely frustrated with PNC 's process and their representatives do not know what they are doing as they continue to provide wrong information. I do not see any accountability here. When I asked to speak with the manager in-charge I get placed on a long hold and transferred to XXXX XXXX   voicemail. I have done everything I was asked to do and complied with all requests furthermore I have been calling PNC every week and keeping in touch with them. I have explained my situation to them several times and that I do not wish to lose my home. I only have close to {$12000.00} left on my mortgage and am getting this run around by PNC. Please investigate my complaint as I do not wish to lose my home. Thank you kindly. XXXX XXXX ( PNC Acct # XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX , Texas. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX and XXXX of 2022, there appears to be 4 fraudulent hard inquiries on my credit report. The following inquiries are fraudulent .... XXXX  XXXX, XXXX, XXXX XXXX, and XXXX.
Product: Checking or savings account

Chime bank owes me money for neglecting to secure my funds from a compromised account and my refunds from XXXX and XXXX which were released and never put back because chime failed to pay attention and said that it expired how they can keep funds I haven't the slightest. Also leaving compromised card open to still transfer money from XXXX XXXX to a account with my name but s spelled different when told about this they neglected to see what I was saying and it continued to go on I made a disputes with my transactions and instead of disputing my actions they put their own transactions to dispute that I wasn't even disputing they close my account saying I went over some deposit agreement but the deposit agreement was not a problem until I had a problem receiving and getting my money back that's when it was a problem I've been going through this for 2 years and they've done nothing they close my account they have not sent documentation like they were supposed to unwind and for what reasons and the transactions and everything else just simply close they have not treated me XXXX I want this taken care of once and for all and I would like to have my funds back we're talking about XXXX XXXX XXXX  and they should be held accountable. They were also told that my statements were saying XXXX different things for the times that I requested the statements and I just don't see how that was possible and I even highlighted the different XXXX XXXX XXXX and they ignored that I even sent them my XXXX XXXX  account receipt showing what all I paid for that did not equal to all the money that they said
Product: Credit card or prepaid card

Investigate the Truist Bank for XXXX Credit Card fraud and Information Theft compromised on XXXX XX/XX/XXXX Truist Bank XXXX XXXX  My Personal Name and Information are HACKED by cybercrimes established on an illegal Website because the Claimant has NEVER opened current XXXX XXXX  Accounts in this Truist Bank Multiple Illegal XXXX Credit Card Accounts Only Allow the Bank will resolve the issue after A Criminal Investigation is completed and da report is required to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Investigate with Impunity XX/XX/XXXX XXXX
Product: Credit card or prepaid card

- I opened a Capital One Venture XXXX credit card on XX/XX/XXXX. The annual fee for the credit card is {$390.00}, which I was charged on XX/XX/XXXX. 
- I called on XX/XX/XXXX to downgrade the card to another credit card without an annual fee. I was told that I had already been charged the annual fee of {$390.00} on XX/XX/XXXX. 
- This is deceptive and unfair marketing, as the fee is " annual '', and I was charged the fee 5 days before the same " annual '' date. 
- I was then told that I could have the annual fee refunded if I closed the account, but would also lose all my points/ miles earned. I was also told that if I downgraded the account to another credit card ( without an annual fee ), I would not have the annual fee refunded. 
- Further, there is a {$300.00} travel credit per year for travel booked through Capital One 's travel portal. I made a transaction for {$300.00} on XX/XX/XXXX. When I asked if I would receive this travel credit, I was told that there was no way to ascertain this information. Taking into account all factors considered, I am hesitant to close or downgrade the account, for fear of losing the {$300.00} travel credit.
Product: Debt collection

XXXX, Under the Health Insurance Portability and Accountability Act ( HIPAA ), I am allowed to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization.

*Please provide breakdown of fees including any collection costs and medical charges.

*Provide a copy of my signature with the provider of service to release my medical information to you. 
*Cease any credit bureau reporting until the debt has been validated by me.
Product: Vehicle loan or lease

Dear Sir/Madam, I am writing to provide an explanation regarding the late payments on my Alley Bank account , which have resulted in a negative impact on my credit report. I believe it is essential that you understand the circumstances surrounding these late payments and the hardship I have faced during the COVID-19 pandemic.

Like millions of other hardworking Americans, I have experienced significant financial difficulties due to the unprecedented challenges posed by the pandemic. In an effort to mitigate the impact on my financial well-being, I reached out to Alley Bank XXXX XXXX, XXXX to apply for hardship assistance regarding my XXXX Suburban loan. 

Unfortunately, despite my sincere efforts to proactively address my financial situation, I was denied assistance by Alley Bank. This decsion has been to their advanmtage as I have been XXXX XXXX late fees to this date, taking advantage of my crisis. Their response was that my account was too new, which prevented me from receiving any form of relief. Consequently, I have been unable to catch up on my payments and have fallen behind since then. Despite my continued payments, I find myself still behind on my credit report, which is causing significant distress. 

I strongly believe that this situation is unfair and inconsistent with the assistance provided to Americans during the national crisis. Numerous individuals across the country were able to receive financial support to help them navigate these challenging times, yet I was denied any form of assistance from Alley Bank. This has resulted in the accumulation of late payments and subsequent damage to my credit profile.

I kindly request Consumer Financial Protection Bureau to consider the unique circumstances surrounding my situation and take them into account when evaluating my invisitigation. This will helop other America being taken advantage of.

I have always strived to honor my financial obligations, and the unfortunate circumstances during the pandemic should not be held against me in the long term. I am committed to restoring my auto loan and ensuring that my financial responsibilities are met.

I would greatly appreciate your assistance in investigating this matter and making the necessary adjustments to my credit report/loan. Please let me know if any additional information or documentation is required to support my case. I have attached relevant documents, such as my correspondence with Alley Bank, for your reference.

Thank you for your time and attention to this matter. I look forward to a prompt resolution and the restoration of my credit standing. Should you require any further information, please do not hesitate to contact me at XXXX or XXXX Sincerely, XXXX XXXX XXXX, XXXXXXXX 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, credit repair services, or other personal consumer reports

Experian has been contacted and have not removed the inaccurate information on my consumer report. 

Details listed on the attached letter.
Product: Checking or savings account

On XX/XX/23 my payroll check was deposited into chime. I transferrred XXXX to my daughter XXXX XXXX. Chime then locked my account for fraud. I sent all of the requested documents to them including a copy of my DL, social security card, proof of ownership of the account, and confirmation from the bank that my daughters debit card is tied to an account I am on. They have now closed my account and will not release the remaining balsjce of my paycheck. It is approximately {$980.00}. I would like my funds released to be aas soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

The 3 Credit Bureaus are reporting inaccurate information on my account and it is hurting my credit score and stop me from from XXXX XXXX during these hard times I sent in 2 letters stating that they aren't reporting accurate information on my credit report I recently made an account with XXXX XXXX and the facts are right there I can upload supporting documents to show my proof.
Product: Credit reporting or other personal consumer reports

The following personal information is reporting incorrectly on my credit report : Name : The correct spelling of my name isXXXX XXXX XXXX Current Address : My correct current address is : XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX Previous Address : The following previous addresses are wrong : Incorrect Name - XXXX XXXX XXXX  - The following personal information is incorrect- This employer information does not belong to me. 

Incorrect Address - XXXX XXXX XXXX XXXX, XXXX, FL, XXXX - The following personal information is incorrect- This employer information does not belong to me.
Product: Credit reporting or other personal consumer reports

I would like these XXXX items removed off all three of my credit bureras because this is hurting my credit score. Please remove these items off my credit report ASAP! 


XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Highest Balance {$2300.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Highest Balance {$21000.00} Acct Number XXXX XXXX XXXX date opened XX/XX/XXXX highest balance {$320.00} acct XXXX XXXX XXXX Date XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

On the XX/XX/2019 I was in a dilemma. My lease had expired and I had no place to stay. Consequently, I had to search for a short term lease online all day until I found a suitable enough place to live in. At XXXX XXXX  I believed I found one - the purported land owner was XXXX XXXX or at least that is who he claimed to be. 

He offered a short term lease for the month with a possibility to renew the lease if desired for {$620.00} with a deposit given of the same amount. I was running out of options and really needed a place to stay, so we signed the contract online and I transferred him the money through my BoA app using XXXX. I did so because I believed XXXX to be safe since it was integrated in my BoA app, thus even if this was a scam at least I could get my money back. 

Unfortunately, it was a scam and he never showed up at the agreed time. I realized this and called BoA as soon as the bank opened the next day. The lady on the phone told me they would perform an investigation and I should get my money back within a few months. Satisfied with this, I waited to hear back from the bank. 

Alas, I never heard back from the bank and I never received my money either. It took me calling them in XXXX in order for them to tell me I would not be getting my money back. Their reasoning for this was that they, " asked him to give the money back but he refused. '' Is it any wonder that he refused to give the money back, given that the bank acted as a toothless tiger? At the least, they could have threatened to refer his information to the FBI. But no, they couldn't even threaten to do that and when I asked them to do so they likewise refused. 

The handling of this case is truly egregious and there is no excuse for handling it in this way. Firstly, if XXXX isn't safe at all and there is no means to get your money back it makes no sense to integrate it into the BoA app as it gives consumers, such as myself, a false sense of security that everything will be okay. Secondly, to not be in contact with the consumer and forcing them to call me is perhaps the worst customer service one could imagine with respect to this issue. Lastly, to refuse to do anything beyond simply asking the guy to hand the money back while offering no compelling force behind it is utterly ludicrous. 

It is in these veins that it would seem that the bank is utterly responsible for leaving me on the hook for months while seemingly doing absolutely nothing to resolve the issue at hand.
Product: Credit reporting or other personal consumer reports

Bridgecrest/XXXX is reporting inaccurate information on my credit report. As per the Simple Interest Retail Installment Contract ( page 2 of 5 ), the security interest secures payments of all amounts I owe in the contract and performance of my OTHER agreements in the contract. Bridgecrest collected a security interest, therefore the balance is {$0.00}. Although, I know I will file grievances with other agencies regarding the deception of the contract, the forgery ( electronic signature ), and the securities fraud, I want it on record in this complaint filed with the CFPB that Bridgecrest/XXXX practices in deception and fraud, robbing consumers. Also on the contract it states the amount of credit provided to me on my behalf, I am the creditor. I was not informed that I was entering a contract to be charged a finance charge for my own credit. No attorney was present to explain the legalese. document attached
Product: Credit reporting or other personal consumer reports

There was hard inquiries that was fraudulent and also accounts open in my name without my permission. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, XXXX XXXX XXXX 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 ( 2 ). It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 166b A. Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Bank account or service

This is my fourth time I am complaining about Bank of America! They have not done or helped me with the three first complaints, and they once again hit with another late fee charge for what reason?! They transferred money from my savings to cover a charge on my checking and hit me with a {$12.00} fee for the transfer are you kidding me! I rather stay - {$1.00} then {$12.00} and then they hit you with an extended over draft fee or a transacting transfer fee! This bank is a con all the way! They help themselves not their customers who keep them in business!! I call for help and no one at Bank of America can help you EVER! Always excuses or we ca n't do anything or you reached a limit! Sickening!! I do n't make much money, and my father just passed away and I am bleeding money, and this bank is just taking the little bit I got left. I got hit with all the funeral and hospital expenses and I have no money due to this bank!! I also got {$200.00} stolen from my account and this bank stI 'll has returned my calls, or returned my money. They call you and you call back 10 min later nobody picks or calls back! I do n't recommend this bank to anyone!! Bank of America is a con and a joke. They rob people legally and that is not right!! I work hard for all my money I make!!
Product: Student loan

My loan is now serviced by Navient. We have been overpaying unknowingly since they changed terms on our loan for quite some time now. I believe they have been taking this money and applying it to future interest, which is essentially stealing, since future interest does n't exist and if I pay my loan early, never see that money again. I am aware they settled a lawsuit for exactly this practice earlier this year, but seem to still be doing it. I want that money either applied to principle, or I want it back. My second complaint is that they took XXXX of our loans and changed the terms, adding 10 years without our consent. There is no phone number to contact them, and an email on the matter went unanswered so there is essentially nothing I can do. Again, I equate this with stealing, as they will be making considerable more interest since extending my loan and it seems I have no power to fix this except hire a lawyer which I think would work, but would be very expensive, and I 'd rather use the money to pay off the loan and get out of business with these crooks as fast as possible.
Product: Debt collection

This company, ERC, began harassing me in XX/XX/2016. They call me consistently regarding a debt that I do not owe and have no idea about and they continuously try to get personal information from me such as my address, social security number etc. from me stating that they are going to collect their debt no matter what. They call me all the time from different numbers ( which I block ) and different representatives.
Product: Checking or savings account

I had my chime debit card information stolen on XX/XX/2020 at a XXXX gas station when I used the gas pump outside. Later that night Wednesday the XXXX of XXXX at XXXX XXXX. I received my direct deposit as I do every week from my employer. At XXXXXXXX XXXX. there was a series of a total of 15 transactions at a atm on the other side of town approximately one hour away from where I live. From XXXX to XXXX XXXX someone withdrew XXXX from my account 13 transactions in the amount of {$83.00}, and a transaction {$300.00}, and {$45.00} transaction. I immediately turned off my debit card. Filed a dispute with chime bank. The day I was supposed to receive provisional credit XX/XX/2020 I received a email from chime dispute department saying my claim was denied. The reason why they denied the claim was for a few reasons. The first was they stated that I had knowledge of a deposit about to be available, which I know because I received one each week since I started banking with them in XXXX of 2020, the second reason stated that I frequently use my card in the area of where the atm transactions were made. In fact like I stated to them I never used my card in that area of town the entire time I have banked with them. Also I told them if I needed that amount of money why would I take it out of a atm in such suspicious increments. The only time I withdrew that amount of money was at a XXXX XXXX XXXX  for XXXX. I disputed there decision and have been getting the run around since the XXXX of XXXX trying to talk to a supervisor about my case and no one can give me a a answer on what is happening with my case and money.
Product: Credit reporting or other personal consumer reports

Due to my information being involved in several data breaches over the past XXXX  years I filed an identity theft report with my local police department ( Tracking Number XXXX ) and the FTC ( FTC Report Number : XXXX ). 



Company or Organization : XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/year> Total fraudulent amount : {$830.00}
Product: Credit reporting

Experian has XXXX Inquiries ( XXXX, XXXX, XXXX and XXXX ), XXXX Collections ( XXXX and XXXX XXXX ) and a Charge Off ( XXXX XXXX ) on my credit file that I have disputed more than XXXX days ago. I have contacted these companies about these debts and inquires and they failed to respond to my certified letters. I then contacted Experian to inform them of these disputes as well as provided them with proof and they ignored my request and have not removed them.
Product: Credit reporting or other personal consumer reports

There has been XXXX unauthorized inquiries reported to my credit that I have not authorized. 

Here are the following unauthorized inquiries : XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Im writing to formally express my concerns with the recent disputes regarding ZELLE
Product: Checking or savings account

I am a Chase Bank checking account holder. ( Account # XXXX. ) On XX/XX/XXXX I deposited a check from my Aunt for {$2000.00}. Chase promptly restrict the account claiming the check could not be verified. And instructed me to wait 10 days. The check comes from an account holder at XXXX XXXX Bank in California. XXXX XXXX  has confirmed that Chase withdrew the funds on XX/XX/XXXX. As of today, XX/XX/XXXX, my account is still restricted and I do not have access to these funds. Please ask Chase to remove the restriction and release these funds.
Product: Debt collection

I received rent assistance from XXXX for XXXX XXXX- XX/XX/XXXX. I also received a grant in XX/XX/XXXX. My grant should have not applied until XX/XX/XXXX & also covered XX/XX/XXXX. Leaving a XXXX $ balance. There is no other way to make calculations. I have letters and proof of checks. I also have emails of repeatedly having to show proof of rent when I lived at XXXX XXXX XXXX.
Product: Debt collection

See attached letter from the XXXX XXXX XXXX XXXX, XXXX dated XXXX/XXXX/XXXX requesting {$1100.00} on behalf of XXXX XXXX. XXXX XXXX is not and has never been my Cable/Internet or Phone/Communication provider and I have always resided in XXXX, MA.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section XXXX you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX Balance : {$130.00} XXXX XXXX Balance : {$99.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance {$460.00} XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX Balance : {$240.00} XXXXL XXXX Balance : {$0.00} XXXX XXXX XX/XX/year> XXXX  XX/XX/year>