23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I would like to submit a complaint against PNC Bank, N.A. regarding application, closing and disbursement issues for a home equity loan of credit product that I recently consummated. 

First, regarding my application processing, I originally applied for this loan on XXXX XXXX, XXXX. All information requested by underwriting was provided by XXXX XXXX, XXXX. An appraisal was conducted on my property on XXXX XXXX, XXXX. An approval decision regarding my application was not received until XXXX XXXX, XXXX due to numerous processing delays which very little or no reason was given. 

Issue 1 - A request for increased homeowner 's insurance coverage in the amount of {$650000.00} was received on XXXX XXXX, XXXX. At the time, this amount appeared excessive however, in order to close on the transaction as soon as possible, I increased my coverage. I believe this amount to be excessive, as the full-replacement cost of my property is around {$400000.00}. I am requesting this requirement be reduced accordingly. 

Issue 2- Bait and switch tactic - At application, the product description provided stated that the HELOC interest rate with be 3.18 % with interest-only payments. At my initial scheduled closing, I was told the rate I had been approved was 3.93 % and interest-only payments would require a rate of almost 6 %! This was a clear deviation from the advertised product and I believe is clearly unfair and deceptive in nature. After several complaints and more delays, I was able to close this loan at 3.43 % with interest only payments. As a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I believe my experience with this types of transactions allowed my to properly rectify this issue. However, I believe if this was done to the average consumer, PNC Bank could utilize predatory lending tactics to force homeowners into higher interest-rate products due to their limited understanding regarding the complexities of this product. 

Issue 3 - Disbursement delays - This transaction involved a single disbursement to refinance an existing, {$250000.00} construction loan to a private lender. My closing date for this transaction was on XXXX XXXX, XXXX. As of XXXX XXXX, XXXX, the previous loan has still not been paid off. I currently have two outstanding {$250000.00} loans - one to my previous private lender, and one to PNC Bank with interest accruing on BOTH LOANS. I am requesting an immediate credit of any outstanding interest with PNC Bank, immediate disbursement of the original {$250000.00} that was supposed to be paid at closing on XXXX XXXX, XXXX to my previous lender, and PNC Bank be fined and penalized for breaching fiduciary duties relating to properly disbursing fines. 

Due to these issues, I am also requesting PNC Bank 's mortgage origination practices be throughly examined to investigate any possible predatory lending tactics to ensure conformance with all legal and regulatory requirements and corrective actions are implemented so that consumers will not be harmed by these types of issues.
Product: Credit card

I used my Pay pal account to secure a purchase XXXX from a merchat called XXXX XXXX I worked out a return with the merchat and sent my merchantdise back to the seller and was sent confirmation I would receve a refund by a certain time frame. Proof of this was sent to paypal and I have opened multiple cases requesting a refund. Paypal promised on several calls I had buyer protection and promised I would recived my funds and have yet to resolve my case instead they continue to close my case without an reason and deny my refund request. I have requested for call backs on multiple calls and they have made no attempts to reach back out to resolve the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am deeply distressed and alarmed by the current state of my credit record and my overall situation. This ordeal is not only incredibly embarrassing but also clearly a result of either your actions or the corporation 's negligence in disseminating inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX To Whom It May Concern TransUnion XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS:XXXX XXXX XXXX XXXX XXXX XXXX   , XXXX XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills PLEASE UPDATE MY CURRENT ADDRESS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  THIS IS NOT MY ADDRESS ( I HAVE NEVER LIVED HERE ) : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address.

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS:XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX
Product: Credit reporting or other personal consumer reports

I do not recognize this address. Please remove it from my Credit Report immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report. I have placed multiple disputes and complaints, and police reports with these companies, but these companies continue to show neglect by refusing to remove the accounts. These companies are continuously unreasonably halting commerce and have damaged my relationship with other creditors and have hindered my ability to obtain certain licenses with the state. This is a recurring problem that needs to be rectified. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. in addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items. If the accounts are not removed a federal charge will be filled against the following companies " XXXXXXXX XXXX XXXX XXXX XXXX XXXX " SELF/INC LEAD ``. This charge may lead to a lawsuit. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington XXXX DC XXXX https : //www.justice.gov/atr/citizen-complaint-center
Product: Credit reporting or other personal consumer reports

here are numerous inquiries in my report that i don't recognize. These area fraud and i wanted to have them removed. I have been disputing this since last year. Kindly remove the following : 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing once again to express my confusion regarding your credit bureau 's handling of the investigation into the fraudulent accounts on my credit report. As you know, I have submitted the required FTC report to the Federal Trade Commission regarding this fraudulent account, and following this submission, XXXX and XXXX have removed these accounts from their records. I have also directly contacted the company associated with these accounts, and they have confirmed the removal of the accounts. Therefore, I am puzzled as to why these accounts are still being reported by your bureau. 

As a credit bureau, you are legally required to ensure the accuracy and timeliness of your records. Failing to remove these fraudulent accounts not only violates this obligation but also exposes me to further harm. I request that you promptly eliminate these accounts from my credit report, aligning with the actions taken by other credit bureaus. Failure to do so will leave me with no choice but to pursue legal action. 

XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX.
Product: Checking or savings account

I am XXXX, I am XXXX years old, my name is XXXX XXXX XXXX, I have received by e-mail messages from wells fargo bank, about amounts deposited in my account, and credit card, the fact is that I do not have wells fargo account, never I used the wells fargo card, following the email received confirming that my wells fargo card will arrive. check it out, the links refer to the wells fargo page, it's not a fake page, someone opened an account on my behalf.

LOOK AT THE MESSAGE I RECEIVED, I ALREADY RECEIVED OTHERS SAYING I HAVE DEPOSITED VALUES IN MY ACCOUNT. 

Wells Fargo XXXX Your card will expire soon We are writing to remind you that your Wells Fargo Debit Card ending in XXXX will expire soon. 
Please check your address We will mail you a new card before your current card expires. Please sign on to view the mailing address.

You will receive another email once your card has shipped.

Your new card will retain the same card number and Personal Identification Number ( PIN ) as your current card.

Customize your card now Personalize your card before it ships by uploading a favorite photo1, business logo, or by selecting an image from our online library within the next 7 days. Eligible cards  can be easily customized by signing on to the XXXX XXXX XXXX. 
If you have any questions, please call XXXX ( XXXX ) or sign on to send a secure email. Phone Bankers are available 24 hours a day, 7 days a week.

Thank you for choosing Wells Fargo. We appreciate your business.

Sincerely, Wells Fargo Debit and Prepaid Cards wellsfargo.com | Fraud Information Center Please do not reply to this email directly. To ensure a prompt and secure response, sign on to email us. 1Wells Fargo reserves the right to accept or reject any artwork, images, or logos. For example, any third-party trademarks, copyrighted materials, or name, image, and likeness of any public figures, will not be approved. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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

it appears that the inquiries on my identity theft affidavit were not made with my consent and are not attached to any accounts that belong to me. Please remove in accordance with FCRA and FDCA laws.
Product: Credit reporting or other personal consumer reports

Problem is I am victim of identity theft and Experian is reporting an account that is not mines on my credit report. The account name is XXXX  XXXX XXXX and Account Number # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up 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 items 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 : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX  XXXX Balance : {$680.00} XXXX XXXX XXXX Balance : {$28000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1500.00} XXXXXXXX XXXX XXXXXXXX Balance : {$6700.00} XXXXXXXX XXXX XXXX Balance : {$28000.00} XXXX XXXX XXXXXXXX Balance : {$680.00} XXXX XXXX XXXX Balance : {$790.00} XXXX XXXX XXXX Balance XXXX {$790.00} XXXXXXXX XXXX XXXXXXXX Balance : {$28000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  # XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not Furnish a account without my written instructions
Product: Debt collection

Today I learned your organization has reported a balance of {$770.00} for an account I am unfamiliar with to the credit bureaus. I am not certain where this debt came from and would like to find out more about it. Please provide proof of debt by means of original billing statements and any contracts relevant to the account which show I assumed financial responsibility for this account. In the past my credit report has been merged with that of another and I have also been the victim of identity theft, so it is imperative I know the origin of all debts. Please provide proof of debt within 15 days of receipt of this request. If you can not furnish proof of debt, please request the deletion of this item from my credit report immediately. 

Additionally, you have reported this account opening in XX/XX/2019. While I am not familiar with the account or balance you are seeking to collect. I am certain I did not acquire any kind of account with such a balance in the month in which you are reporting the opening of this account. It appears as though you have re-aged an account to make it appear newer than it actually is to cause maximum damage to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have six inquiries from ALLY Financial on my XXXX  credit report. I never applied for credit with this company. I called them on XX/XX/2021 to dispute these inquiries. I was told they will work on removing them and gave me reference # XXXX. As of XX/XX/2021 the inquiries are still on my XXXX report.
Product: Credit card

Bank of America recently closed my credit card with no notice whatsoever. I was late on payment ( I thought I had set up automatic payments on this card - apparently I had not ). I had previously designated a new email address ( GMAIL ) as my preferred contact. ( an older XXXX address was also on the account ). I logged in to make payment in full, and was notified the card was canceled. I chatted online with XXXX different BofA representatives who confirmed card was closed, could not be re-opened, and I would need to apply for a new card. They could not confirm that any communications were sent to my primary contact e-mail. I checked my inbox multiple times after the exchange, and NO communications were sent from BofA, to warn of account closure. I have had this card for over 10 years. The overdue balance was less than {$300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent you a letter requesting you to remove inaccurate information from my credit report a few months ago for this public record US BKPT CT FL XXXX XXXX. I find after reviewing my report with your bureau, that the disputed item is still listed. I request that you describe the procedure adopted to verify this claim, along with the names of the businesses, addresses, and phone numbers of those who have been contacted during this process. This is my right under the Fair Credit Reporting Act. It is disappointing to find a credit bureau does not following the proper procedures and does not maintaining the accuracy norms. I request that you comply with the law and furnish me with the information I've asked for within a period of 15 business days. In addition, I would like to resubmit my request to have these fraudulent items verified XXXX  XXXX XXXX XXXX and XXXX XXXX XXXX XXXX.
Product: Student loan

Hello, EdFinancial has failed to provide me with any written documentation concerning to my monthly statement for XX/XX/XXXX. I did not receive my monthly statement via email or XXXX ; it is not available on Edfinancial 's website. My payment due date was XX/XX/XXXX. The EdFinancial website states that borrowers will receive a statement XXXX ( XXXX ) days before the due date. I reached out on several times to obtain my statement, including a CFPB complaint on XX/XX/XXXX. I still have NOT received a statement from EDFinancial. 

Furthermore, my autopayment was scheduled to be transferred on XX/XX/XXXX in the amount of {$800.00}. This did not occur. The payment direction in my account settings directs : " Billing Direction : Bill me for my full monthly payment For your loans in Auto Pay, your Auto Pay payment will always be for the full Monthly Payment Amount, and will continue to be deducted monthly. '' I called EDfinancial to resolve this issue on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. Wait times ranged from XXXX to XXXX minutes. I opted for a call back which I have NOT yet received. I also emailed EdFinancial and have not received a response. Foolishly, I believed that EdFinancial would do what it was supposed to regarding autopay so that my loans were paid. Instead, my monthly payment was not made, I continue to incur interest, and I can not contact ANYONE at EdFinancial to address the issue.

EdFinancial has been hiding behind " extremely high call volume and longer-than-normal wait times '' for months. This is no excuse to NOT following the laws ( Fair Debt Collection Practices Act ) when dealing with BORROWERS from whom they are attempting to collect a debt. Since EdFinancial has failed to provide me with anytype of monthly statement, I'm hereby requesting validation of the debt.
Product: Credit reporting or other personal consumer reports

Ive tried to reach out to the XXXX credit bureaus multiple times ( XXXX XXXX XXXX  ) the first problem I have is with an unknown account called XXXX XXXX XXXX Ive never used that Ive called them to ask what was it they didnt help me but it magically was removed the next day I told them about my account being exposed in a data breech maybe thats where these unknown accounts are coming from I was told to reach out to the federal identity theft but this has gone on for far too long secondly I have an account thats closed & paid with XXXX XXXX XXXX XXXX they arent reading my dispute to even see if its correct I even asked for proof they just decline my disputes I have an unknown collection for XXXX they still havent provided proof of this account was from me.
Product: Credit card

Capital One In XX/XX/2023 I Requested a refund for a hotel, and then a week later, the card was closed. When I asked why it was closed, they could not tell me. When logging in it said account was restricted but on credit report, is was closed Interest continued to accrue even after the account was closed
Product: Debt collection

Correspondence dated XXXX XXXX, 2016 documents an attempt to collect {$440.00} which they state is owed to XXXX. A telephone conversation with a XXXX representative indicated that my XXXX account balance this morning is {$0.00}.
Product: Debt collection

I received a call on XX/XX/2018 approximately XXXX XXXX, in regards to someone who has used me as a reference on a loan. This company has called me previously and I told them that I can give them a one time message. So today, they called and I explained that I have nothing to do with this and please do not call me again. The caller named XXXX proceeded to argue with me and tell me that because I was used as a reference they can continue to call me and they will unless I provide updated contact info on the person they're trying to reach. I then proceeded to tell them that I will have my attorney call them for them cease and desist from calling me. I explained that I have nothing to do with the debt and that I am not the one who they should be calling. He repeatedly told me that because I was put down as a reference.
Product: Checking or savings account

A few years back in 2013 my identity was stolen, I was out shopping with my mom for my kids XXXX things and someone swiped my wallet, since then as long as that person knows my date of birth and Social they can pretty much access all my stuff, I filed a report but its still hard to catch this person. Now I cant open a simple account because I am in XXXX. Chase bank offers a second chance account that supposedly doesnt use XXXX. However after trying to apply for that account I found out that it does and it makes an impact on the very XXXX XXXX I am trying to fix. A lot of banking institutions that offer second XXXX banking still use XXXX even though they advertise that they dont. This isnt fair to peopl that are trying to fix their lives.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the Credit Bureaus regarding their reporting of bankruptcies listed on my credit report. Initially they told me that the listing were being reported by XXXX XXXX and I needed to contact that company. I have contact XXXX XXXX as well as my local bankruptcy clerk of court. The clerk of court has responded that they do NOT report to any credit bureau and I have contacted XXXX XXXX who has confirmed that they are NOT reporting any bankruptcies on my credit bureau however, the bureaus continue to report 2. When I ask for verification they send me a letter stating that it is confirmed and that they will not reinvestigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regional Finance is in clear violation of this section of the law ( 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my XXXX Consumer Report on ( XX/XX/2022 ) without a copy of my written authorization or permissible purpose under the Fair Credit Reporting Act and its guidelines. It has been more than 60 days since they were notified of their violation and they have not provided me a copy of my written authorization I gave them or permissible purpose.