23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XXXX XXXX XXXX, by their own admission, PRMI drafted automatic payments early which resulted in a bounced payment on my end. In XXXX XXXX XXXX I had some unexpected medical payments and was late in paying my mortgage, & subsequently bounced twice doing so. Because of these XXXX bounced payments, my mortgage was put into default and I was forced to pay by money order or cashier 's check for the future until it was determined I could return to normal payment methods ( after XXXX  months assuming no further issues ).
During this time, I started paying extra toward my mortgage, to be held in suspense to apply toward future payments, in order to ( hopefully ) resolve this issue more quickly and return to some degree of normalcy. I was informed that this was acceptable, & notes were made within my account acknowledging how the payment team should process these extra funds. Despite this, they kept applying extra funds toward principal which required my having to repeatedly sort out the issue with their customer service teams. I would also receive conflicting messages & mailings from other ( assumedly automated ) aspects of the company that would contradict what I was being told by their agents, leading to further confusion & missteps. Late and transactional fees would be applied, then ( sometimes ) removed after realizing their mistakes. Getting consistent, quality information from someone beyond the role of customer service agent ( who, individually, were all helpful and understanding ) to actually solve the problems I was having was very difficult. Upon discovering their responsibility in the payment issue that was in part responsible for creating this situation, they made no notice to me beyond a short, solitary letter with instructions to reach out to them about any
incurred fees. I have spent a XXXX  XXXX dollars in fees and about XXXX hours of my own time over the past XXXX  months dealing with these issues, with little accountability or willing to correct on their part.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Bank account or service

I submit a complaint yesterday as well. In short a garnishment was taken out of my account without me being notified at all from the law firm, so my account is currently negative. In addition to having all of my funds taken right out of my account I had a " legal processing fee '' for {$120.00} on my account causing it to go negative. My issue is that my bank should be protecting me and not dipping into my account and taking money that does not exist, and then attempting to charge me overdraft fees for them over drafting on my account. I have already expressed my concerns with the bank but this needs to be resolved immediately or I will be taking my service elsewhere. To me it seems like taking advantage of someone already in a poor financial situation and I will not stand for it. 

Aside from the legal service fee and my bank over drafting on my account I had been informed today that the funds had already been processed and removed from my account for the garnishment. I 've done a lot of research and know that legally I am supposed to have a 2 day period where my funds are frozen, which did not happen, it has not even been 24 hours. During this time period I am supposed to receive paperwork for possible exemptions from garnishment from my financial institution which I have not received. I check my mail daily and open everything I receive from my bank, including bank statements. I am fully convinced this is illegal, since they have n't taken the necessary steps required by my state to allow someone to garnish money from my bank account. I have contacted an attorney regarding this matter. 

This charge was not on my account for this processing fee until yesterday evening, whereas some of the transactions that are still processing were from the day prior. I also believe the charges were applied to my account incorrectly in an attempt to cause me to incur additional fees and thus for the bank to collect more money from me. 

I am filing this as a follow up complaint to exercise my rights as a consumer and to express my further concerns.
Product: Checking or savings account

PNC Bank, my mother passed away on XX/XX/2023. It is a checking account for which I am a joint owner. I took the death certificate into PNC as they requested. 
I have contacted them several times, put on hold, transferred ... .. with no results.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you that I was the victim of identity theft. I researched how to remove the fraudulent inquiries and personal information from my report and found that I needed to visit the Federal Trade Commission, or https : //www.ftc.gov, to file a report. Credit reporting agencies are required by FCRA Section 605b to remove or block any inquiries and personal information listed on an ID theft report. Please see the attachments for assistance in blocking the incorrect information that is being posted to my report. 

These are the following lists of inquiries and personal information that do not belong to me or were opened without my permission : XXXX XXXX XXXX AV XXXX, AL XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX According to FCRA Section 605B ( a ), the credit reporting agencies shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/CFPB I dispute all of the following debt In accordance with the fair Credit Reporting act In accordance with the fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX XXXX  Account Number XXXX XXXX Account Number XXXX XXXX XXXX has violated my rights 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 604 A Section 2, It also states a consumer reporting agency can not furnish a account without my written instruction Transunion/CFPB I dispute all of the following debt In accordance with the fair Credit Reporting act In accordance with the fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX Account Number XXXX XXXX XXXX has violated my rights 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 604 A Section 2, It also states a consumer reporting agency can not furnish a account without my written instruction
Product: Money transfer, virtual currency, or money service

Good morning, I went into the Regions Bank branch on XX/XX/year>, and asked for a withdraw of {$4000.00}, out of my checking account in the form of a cashiers check. The bank proceeded with withdraw, and the cashiers check. I deposited the check into my XXXX account. 

Three weeks later I receive call from my XXXX XXXX XXXX XXXX, and brother wanting to know why I had withdrawn approximately {$4000.00} out of her account. Upon further research the teller had withdrawn out of my Mothers instead of mine. I am not signer on my XXXX account. They are linked, because Im a POD. There is no reason that it should have been withdrawn from my XXXX account, as I am not on the account. Now my family wonders why this happened, and maybe they wonder if I was trying to fraud my XXXX out of money, because of her age. I called the bank teller ( XXXX ) and branch manager ( XXXX XXXX ) and they clearly admitted this was a mistake on the part of the bank, and that they see how it happened, because the accounts were linked. I asked the bank to do three things to clear up my name. 

1. The teller call my XXXX explaining it was their error. 

2. A call from the bank regional manager ( XXXX XXXX ) to me, and an apology. I have left countless documented messages for him over the course of several weeks. No return call has been made. 

3. Letter from executive services to my XXXX explaining that this was a problem of the banks, and exonerating me. This is important as my Mother is hard of hearing. 

XXXX ( teller ) did call my XXXX, but she is hard of hearing and only heard part of the correspondence. That is why I wanted a letter to go out to her as well. Plus my siblings could also see the letter to know that is was not me who made this error. I need to be exonerated!! 

To date, no Regional Manage ( XXXX XXXX ) has called, nor executive services. I have asked multiple people, only numerous document occasions. I have yet to hear from executive services, after weeks of asking. They state there is an email chain, but nothing has happened. 

This has caused undue harm to myself and my XXXX, two different account holders. The longer this goes, the worse it gets. My Mother is very anxious and upset and at XXXX this could affect her health. I do not understand the banks slow response to resolve.
Product: Credit reporting or other personal consumer reports

I received a notification stating that there was an unauthorized inquiry from XXXX XXXX XXXX on XXXX. This unauthorized inquiry has affected my credit scoreprofile and is hindering me from using my credit. According to 18 USC 1028A this unauthorized inquiry needs to be removed from my consumer report immediately from all three credit agencies Experian, XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Experian, XXXX, and XXXX regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.
Product: Credit card or prepaid card

On Sunday XXXX XXXX, 2022 My credit card was stolen from my mailbox and activated without my consent. Neither myself or anyone in my immediate party activated nor used this card. I opened the account to have a safety net for my vacation. Unfortunately this card did not show up before I left. The transactions started around XXXX Sunday morning. whoever took and activated it went on a shopping spree and tried to get what they could as quickly as possible. All of the transactions took place in XXXX Washington. This would have been impossible for me to perform due to the fact that I was on a plane from XXXX XXXX  returning to XXXX. The first transaction took place at XXXX on XXXX XXXX XXXX XXXX XXXX, WA XXXX at XXXX am Sunday XXXX XXXX, 2022 in the amount of {$370.00}. The second transaction took place at XXXX on XXXX XXXX XXXX XXXX, XXXX, WA XXXX at XXXX Sunday XXXX, XXXX, 2022 in the amount of {$69.00}. The third location was smoke city for less on XXXX XXXX XXXX XXXX, XXXX, WA XXXX at XXXX on Sunday XXXX, XXXX 2022 in the amount of {$96.00}. The fourth location was at XXXX  on XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX at XXXX in the amount of {$88.00} on Sunday XXXX, XXXX, 2022. When I landed in XXXX XXXX XXXX I received notification of fraudulent activity, which I immediately responded to. I shut off the physical card and alerted my company that the activity was indeed fraudulent. They have opened an investigation. Terminated my pervious card and have sent a new one. This will be the next step to make sure my identity wasn't stolen.
Product: Vehicle loan or lease

I currently have a used vehicle loan with Pentagon Federal Credit Union ( PFCU ). My family and I PCSed to XXXX XXXX, XXXX on XX/XX/XXXX with the US State Department and shipped the vehicle on XX/XX/XXXX. Prior to shipping the vehicle I requested permission from PFCU to ship the vehicle, which was granted. At no time did PFCU specify that additional insurance was required while the vehicle was in shipping or subsequent secure storage.

I returned to the US in early XXXX for the delivery of our daughter and remained stateside until XX/XX/XXXX. While I was stateside PFCU sent notice via US mail to my PCS address that the vehicle did not have the proper insurance and that I would be charged if the issue was not resolved. I did not receive these notices as I was not at my permanent address. I also note that I did not receive any telephone or email communication from PFCU. I purchased an XXXX insurance policy on XXXX XXXX, XXXX. This was my first opportunity to do so as my family and I were in quarantine for 14 days upon our return from the US.

After going through several months of mail I noticed Penfeds demand for updated insurance information. On XX/XX/XXXX I submitted my policy information to XXXX third-party verification company MyInsuranceInfo.com and was told the issue should be resolved within 3 days. However, in early XXXX I noticed an additional {$2000.00} charge added to my loan for supplemental insurance. I reached out to PFCU in an attempt to resolve the issue by resubmitting the insurance policy and informing them that the vehicle was in shipment and storage. Their first reply was to deny my insurance on technicalities associated with XXXX insurance policies. After much back and forth, they eventually accepted the policy as valid. 

The next reply was that the vehicle was uninsured from XXXX until XXXX while it was in shipping and secure storage which also is false as it was covered under the shippers insurance policy and was subsequently in secure storage on the US Embassy XXXX XXXX compound until I was able to have it registered and finally drive it home in around XX/XX/XXXX. 

I have submitted proof of insurance and proof of shipping. There appears to be no disagreement that the XXXX insurance police I have is valid, yet the vehicle still has a supplemental insurance policy through XX/XX/XXXX attached to it that PFCU so far refuses to withdraw. At this point it appears to be purely predatory and I have received no substantial information from PFCU as to why there is still an insurance policy or a definite answer on how to have the policy removed, just vague requests for additional information. I request additional assistance to have this issue resolved as PFCU has been less than helpful and I should not be responsible for a {$2000.00} supplemental policy on top of the policy I already carry.
Product: Checking or savings account

I LOST MY WALLET AND INSIDE THE WALLET, I HAD MY BANK CARDS AND DRIVING LICENSE, SOMEONE USED MY LOST DEBIT CARD TO MAKE A PURCHASE IN XXXX WHILE I WAS STILL IN THE XXXX. WHEN I SAW THE UNAUTHORIZED TRANSACTION ON XX/XX/year>, I IMMEDIATELY CALLED THE WELLS FARGO BANK TO FILE A FRAUD CLAIM BUT THE BANK IS UNWILLING TO INVESTIGATE THIS CLAIM AND UNWILLING TO RECOVER MY FUNDS FROM THE UNAUTHORIZED TRANSACTION. INSTEAD, THEY HAVE DECIDED TO CLOSE THE ACCOUNTS TO AVOID THEIR LIABILITY. THEREFORE, I AM FILING THIS REPORT HERE SO THAT WELLS FARGO CAN REOPEN THE CLAIM AND WORK WITH THE LAW ENFORCEMENT TO RECOVER MY FUNDS AS SOON AS POSSIBLE. WELLS FARGO BANK HAD NEVER SENT ME ANY NOTIFICATION TO VERIFY THE TRANSACTION TO MY PHONE OR EMAIL WHILE SOMEONE USED MY LOST CARD IN XXXX. THEY FAILED TO PROTECT MY FUNDS. I WANT MY FUNDS TO BE RECOVERED AS SOON AS POSSIBLE.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XX/XX/year> Caine Weiner XXXX XXXX XXXX, XXXX Floor, XXXX XXXX, CA XXXX. 



Re : Dispute of Collection Account # XXXX Dear Sir/Madam, I am writing to dispute the collection account referenced above. I believe that this collection account has been placed on my consumer report in violation of several federal regulations, and I request that you immediately remove it from my credit report. 

Violation of 12 CFR 1006.34 ( b ) ( 5 ) : Your agency has failed to provide the required validation information for this debt. According to 12 CFR 1006.34 ( b ) ( 5 ), you are required to furnish detailed validation information before reporting this debt to any consumer reporting agency.

Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : I have not been given an opportunity to dispute this account. Under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), consumers must be given a reasonable period to dispute the validity of a debt before it is reported to consumer reporting agencies.

False and Misleading Representations : Your agency is in violation of consumer rights by using false, misleading, and deceptive means to collect this debt. This is a direct violation of the Fair Debt Collection Practices Act ( FDCPA ).

Violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ) : Your agency has no authority to furnish information about this account to any consumer reporting agency without providing all the required disclosures. By failing to do so, you are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ).

In light of these violations, I demand that you immediately : Remove this collection account from my consumer report.

Cease all collection activities related to this account.

Provide me with written confirmation that this account has been removed from my consumer report.

Please treat this letter as a formal dispute of this debt under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Failure to comply with these requests will result in me filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and potentially seeking legal action. 

I appreciate your prompt attention to this matter and expect a response within 30 days. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I had a credit card with Best Buy. It was enrolled in automatic payments from my checking account. In XX/XX/2016 I went to the store and they said the account was closed because I did not pay my bill. I was surprised and tried to fix the situation with the creditor. They said that would open an investigation, and the next month they started again with the automatic payment. But, in my credit report is showing late payments, account closed by credit grantor and I am current paying this bill. Also, they never notified me that the payment did not go through.
Product: Debt collection

I got a little behind on my payments so I was contacted by a representative and we came to a verbal agreement that I would pay a month payment and then I 'd pay more in a few weeks, but before my next verbal payment was due, they came and retrieved the merchandise while I was at work. Then they added a whole months payment onto my account. I 'm not saying I do n't owe them but I know I do n't owe them what they 're claiming I do. I 've called then several different times for incorrect billing amounts.
Product: Credit reporting or other personal consumer reports

These accounts were specifically XXXX XXXX XXXX was removed from my credit report XXXX weeks ago. The fact that XXXX XXXX XXXX added this XXXX account back to my XXXX report XXXX beyond me. This account is fraudulent and illegal and needs to be removed for the last final time. THis is illegal for not only the original creditor but for the credit bureaus to remove and readd back to my credit profiles. remove this illegal account of my report for the last time XXXX XXXX XXXX Date Opened XX/XX/XXXX {$7700.00} These accounts below are also illegal and were never authorized in my name. Please remove the rest of these accounts before further action will be taken. I am a victim of identity theft. 

XXXX XXXX XXXX {$16000.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported to 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. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I had no knowledge an Apple Credit card was taken out by a member of my family. I starting getting bills and rather than getting a bad report on my credit, I foolishly paid them. The account was finally closed and now it has been reactivated. I really an annoyed by this, I thought it was all taken care of. Now I have a new balance popping up and I dont know what to do. I dont even know the credit card number or why these charges are reappearing. Please help me to get rid of this once and forever. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15, USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX 15 U.S.C 1681 section 6028 that states I have the right to privacy.

15 U.S.C 1681 section 604 a section 2 ; it also states, consumer reporting agency can not furnish an account without any written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States no consumer reporting agency, might make any consumer reporting containing any of the following items of information of any other adverse item of information, who it that records or convention of crimes, which attendates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A a person shall not furnish any information relating to a consumer to any consumer agency. If the person knows or has reasonable cost to play, that information is inaccurate.
Product: Mortgage

I asked for a loan modification for my mortgage with Wells Fargo because I could no longer meet my payment schedule. I asked for a 40 month loan extension and I did not seek forgiveness. I simply requested a longer schedule which would reduce my monthly payments and pay the full mortgage debt. For 10 months I have been run around. The length of the explanation is too long for this space and I am attaching another document that recaptures the myriad of problems.