23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I called PNC customer service XX/XX/XXXX to inquire about removing the PMI from my loan since my Loan to Value had reached XXXX %. My loan amount is {$190000.00} making my LTV XXXX %. It was scheduled to be removed automatically on XXXX/XXXX/XXXX but I figured I would try to get it removed earlier. After discussing this with the representative and learning a new appraisal would be required, I told her not to send me the information. She said it was too late as she had already pressed the button. She said it would n't change anything and only provide me the steps to take to remove the PMI. On XXXX XXXX I received that letter from PNC about the PMI. The letter stated that my LTV was no longer XXXX %, in fact, it was now XXXX %. They also stated I could get an appraisal using a condo appraisal form for {$500.00}. First, my home is not a condo, it is a single family residence inside a PUD. I am in the mortgage business and I know that appraisals do not cost {$500.00}. I proceeded to go online to my account and noticed that someone within PNC had changed the automatic removal date of the PMI to a whopping XXXX/XXXX/XXXX. They are saying I need PMI for another 21 more years! I tried calling PNC customer service and after being put on hold for almost an hour, I decided to hang up and call back during the day. I am so upset with PNC after making timely payments to them for the past 6 years. They modified my mortgage back in XXXX due to a hardship during the financial crisis. From XX/XX/XXXX to last month, the PMI drop off date was scheduled to be XXXX/XXXX/XXXX. See attachment # XXXX. I ca n't afford to keep paying PMI for another 21 years and it is illegal for them to do so because the loan to value based upon the principal balance of the first lien is {$190000.00} and the value of my home when I purchased the property in XX/XX/XXXX was {$240000.00}. I want this fixed immediately and PNC customer service has not met my expectations therefore I am filing a complaint with the CFPB in homes PNC understands how serious this error is. I have attached the new statement showing scheduled XXXX % LTV date of XXXX/XXXX/XXXX and a prior statement showing XXXX % LTV date of XXXX/XXXX/XXXX which has been this way since XXXX/XXXX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a number of inquiries on my credit report that were not authorized by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX student loans and XXXX XXXX student loans were paid on time and ahead of time as well. Equifax reporting is inaccurate and must be changed to reflect perfect payment record. XXXX had negative report that is inaccurate, XXXX negative report must be removed.
Product: Mortgage

I am currently in a law suit initiated by OCWEN LOAN SERVICING LLC on XXXX/XXXX/2015. I am in Discovery and am finding discrepancies in the documents filed by OCWEN as inconsistent with proper documentation. ie assignments signed and notarized by robosigners XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX, Redacted copies of a Note, Mortgage and attestations under Notary in presentation of their Discovery not having correct name ... A I do not want to lose a house when a Plaintiff appears under false pretenses regardless of duplicity or ignorance. I paid the mortgage off previously with XXXX and was not acknowledged.
Product: Mortgage

I approached my lender on XX/XX/2021 for options that are available to me instead of foreclosure. My lender is XXXX XXXX with PHH as their servicer. 
I have contacted HUD agency and I am working with an approved HUD counseling agent. 
I explained my situation to my counselor and give her all the contact info of the lender. The counselor contacted the lender today XXXX and asked them for 60 days extension so I am able to sell my house with a real estate agent instead of foreclosure. They denied the request and told the counselor that they will proceeded with the foreclosure sale date on XXXX at XXXX : XXXX  even though there is a moratorium in place till end of the XX/XX/2021. 
In addition I asked the lender for forbearance, modification package, balloon payment or any other options, but they have refused to offer me any. 
I appreciate any assistance that CFPB can offer.
Product: Vehicle loan or lease

Hi I am unable to communicate with Acura Finance branch office for Illinois regarding my inability to see my current car lease online. The car finance company sends me a notification that my monthly lease bill is ready but when I login into my online account I can not see my vehicle ( says it is registered to a different account ). I am set for auto payments so they are deducting my payments, but I can not get my monthly bills. I tried calling their branch office but they have a 50 minute wait. I waited on the phone more than once trying to reach them but they never connect the call and keep you on hold with no way to talk to anyone. I tried to contact the dealer as well as the Car company but they have no way of connecting with the Car finance company. At this point I am not able to find any way to connect with them to fix my online account so that I can transact with them and retrieve my monthly bills. Please help. 

Thanks & Regards XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax today, XX/XX/2020 and they would not allow for me to receive a free credit report. The first representative I spoke to on the phone asked me personal questions ( name, DOB, address, SS, etc ) and security questions. The first security question was about a mortgage and I said YES! We just moved into a new house on XX/XX/XXXX and I was surprised this was already listed with Equifax. I shared with him I would need to dig up this mortgage info because we had filed it away. He then proceeded to a second question about loans and I answered I have a student loan. I then took out the actual monthly statement from XXXX and read off the exact figure {$41.00}, XXXX XXXX this was from XXXX, 2020. It was after I shared this info that this Representative claimed I have " failed '' the security test!!! And he claimed Equifax would NOT give me a free credit report!!! 
I then proceeded to contact XXXX  and I contacted XXXX. Each of these credit reporting agencies gave me free credit reports in LESS THAN TWO MINUTES and neither of them asked me any SECURITY QUESTIONS! So what type of scam is Equifax running? And why are they not shut down for illegally denying free credit reports to US citizens? Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with AMEX, XXXX XXXX, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, AMEX, XXXX XXXX, and XXXX XXXX  with no successful resolution. There was definitely an error on their part.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The following items are inaccurate and/or an error. I am demanding these items be deleted as independently the following credit bureaus say the debt has been verified, but that is not possible since there are still inaccurate/omitted/conflicting items. 
XXXX : o XXXX reports last payment as XX/XX/year> but TransUnion reports XX/XX/year> o Reports as charged off, but I have never received a 1099C which is required when its charged off. 
o XXXX and Transunion reports as never late, but XXXX says XXXX 30 days, XXXX 60 days, and then charged off. 
o Transunion reports the closed date at XX/XX/year> but XXXX reports XX/XX/year> XXXX : XXXX XXXX reports last payment as XX/XX/year> but TransUnion reports XX/XX/year> o Reports as closed and written off, but I have never received a 1099C which is required when its written off. 
o XXXX and Transunion reports as never late, but XXXX says XXXX 30 days, XXXX 60 days, and then charged off. 
Transunion XXXX XXXX reports last payment as XX/XX/year> but TransUnion reports XX/XX/year> o Reports as charged off, but I have never received a 1099C which is required when its charged off. 
o XXXX and Transunion reports as never late, but XXXX says XXXX 30 days, XXXX 60 days, and then charged off. 
o Transunion reports the closed date at XX/XX/year> but XXXX reports XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

My accounts were showing 30 to 60 days late in XXXX and XXXX. Due to Covid-19 and hospitalization, I was informed by creditor that late fees and payments were being waived and credit back to me. Accounts still shows 30 to 60 days late. The following accounts are : XXXX XXXX  : XXXX, NY XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX ( XXXX ) XXXX XXXX, Other Cards : XXXX, XXXX XXXX, XXXX XXXX  late payment in XX/XX/2019 has been removed and credited.
Product: Payday loan, title loan, or personal loan

The company is Lendmark Financial in XXXX NC. These people, especially XXXX and XXXX call everyday, even on Saturday. I explain to these people to expect payment soon, as I am trying, to catch up. They then begin to lecture me in paying. What you will not do, is lecture and expect payment as well! I am not a child! Every day they are calling me! If this continues, they will owe me {$500.00} per call. I will continue to charge them until the loan is forgiven. I took a second job to get caught up. If I do not answer my phone, these people continue to call. It is not a game nor a joke. 
This office even has the main office in XXXX NC calling me. This office is in XXXX NC. This stops here. If these people continue to call, I will consider that harassment and take further action.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit agencies still have this account listed and  per Aargon th ey requested it be removed. This has been listed and it needs to be removed
Product: Credit card

Capital One continues to list hidden charges from unauthorized charges made to my account XX/XX/XXXX. The amount of the XX/XX/XXXX bill was {$1100.00}. On the current XX/XX/XXXX bill, the amount is {$1200.00}, which is more than it should be ; hidden charges still remain. My account should be less not more than $ XXXX, the amount of the XX/XX/XXXX. You have not removed the hidden fees placed on the account for the fraudulent charges made on my account In XX/XX/XXXX.Please do so immediately. 

a. Payments of {$50.00} each made for XX/XX/XXXX as well as XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX which total $ XXXX. Payments of {$100.00} each made in XX/XX/XXXX and XX/XX/XXXX which total $ XXXX. Payment of {$120.00} made in XX/XX/XXXX. 
Payments totaling {$560.00} have been made to this account but are not accounted for. 

Please take my XX/XX/XXXX and deduct the {$560.00} in payments made. Without your legitimate interest charges, the amount that I owe would be $ XXXX.If you add you legitimate fees and interest, my XX/XX/XXXX bill should not exceed the XX/XX/XXXX bill.
Product: Credit card

after many years using amazon card to purchase from birthday gifts to reading glasses, I was forced to closed my account. I recently retired back in XX/XX/2023, so my income level change, I continue making payments on my card almost on time all the time, but the last couple months I was late because my XXXX XXXX check arrives on the XXXX of each month and the amazon payment due date is the XXXX of the month, I talk to a ( costumer service ) supervisor and another person trying to explain my delay, I was charge {$23.00} late fee last month and {$40.00} this month, at this rate I will never be able to pay off my balance, all I want is to be able to pay my bill on the XXXX or XXXX when my XXXX XXXX check is in my checking account, I request a change of payment due date but the supervisor was really rude, so I'm not sure if that will be able to happen
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX, NATIONAL CREDIT ADJUST, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, NATIONAL CREDIT ADJUST,   and XXXX XXXX with no successful resolution. There was definitely an error on their part.
Product: Debt collection

Original Creditor XXXX XXXX XXXX has improperly shared my data with third party MEDICAL DATA SYSTEMS which violates HIPAA law. Furthermore. Pilates privacy act of 1974 situating a violation of my consumer rights. In previous complaint XXXX has stated that it does not own this debt nor is it a debt collector but collect debt on behalf of their original creditors. See it here MEDICAL DATA SYSTEMS HAS NO NMLS ID to collect in the state of GA. Nor can it provide original documents with wet signature that constitutes a contract between me and the original creditor or between me and XXXX. Lastly reporting to the credit bureau an account as closed states you have documents that a contract was instituted between said consumer and entity. Please furnish internal records following federal procedure 1002 also TAKE NOTICE AS THIS IS A CEASE AND DESIST for all forms of communication hereby of me or my personal information. FCRA Section 809 ( b ) and FCRA Section 623 ( a ) have been violated
Product: Debt collection

Portfolio Recovery Associates is in violation of 15 USC 1692c ( c ) of the FDCPA.

It clearly states : If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except - ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy Not only did Portfolio Recovery Associated contact me against my wishes via mail after I sent them a cease and desist in writing, their communication was outside of the 3 things that are allowed via the law after they receive such notification from a consumer. They are also still communicating with me INDIRECTLY through a MEDIUM ( my consumer report ) - which the CFPB states on their website is OPTIONAL.

Reference the definition of " communication '' pursuant to 15 USC 1692a : the term " communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

They are clearly in violation of the law ( FDCPA ). They are harrassing and oppressing me by continuing to contact me against my wishes as a protected consumer. 

Attached you will see that I sent my cease and desist on XX/XX/2021 and they contacted me on XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXXXXXX XXXX XXXXXXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
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 accounts 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 XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$20000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$860.00} XXXX XXXX XXXX XXXX Owed : {$14000.00} XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX XXXX Balance Owed : {$14000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries below ain't mine they are fraudulent. Please remove as soon as possible. They should not be on report. XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I am trying to sell my property. There was a lis pendens placed on the title in the name of XXXX XXXX XXXX. When i called XXXX they provided me with a copy of their lien release and stated that when rushmore bought the mortgage from them that they never notifiied XXXX  that the loan was paid since it was bought by rushmore.,. This is part of the email i got from XXXX.
Product: Debt collection

I am unaware of this debt I didn't have an opportunity to dispute this information if in fact if you believe you gave me a proper notification then please send me the certified receipt with my name on it and my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions.
Product: Checking or savings account

I am writing to submit a complaint against Citi Bank, detailing a series of issues that have arisen since I opened my checking account. Despite my persistent efforts to resolve these matters, I have encountered unresponsiveness and unprofessional behavior from various bank support teams. Below is a comprehensive breakdown of the events : Debit Card and PIN Issue : Upon receiving my debit card, I noticed that the accompanying PIN was missing, rendering the card inoperative. I've reached out to several departments within Citibank, but none have managed to resolve this issue. 

Contact with Online Support : While attempting to resolve this matter online, I waited XXXX to XXXX minutes for the agent to send a verification code, only to be logged out due to inactivity. Subsequently, the support team failed to follow up. 

Contact with Executive Response Team ( Case # XXXX ) : An analyst suggested ordering a new PIN and debit card, promising delivery by XX/XX/XXXX. Regrettably, the items never arrived, and the agent closed the case at the end of the initial call without waiting for confirmation of receipt, leaving the problem unresolved. 

Contact with Executive Response Team ( Case # XXXX ) : In a similar vein, an analyst proposed a solution involving a new PIN set to arrive by XX/XX/XXXX. The PIN never arrived, and the case was abruptly closed at the end of the initial call. Compounding my frustration, the agent unjustly blamed me for following up and arrogantly insisted that I should contact regular customer support because he had ordered me to do so. This directive was all the more unreasonable given that he himself was unable to locate the PIN. 

Video Appointment with XXXX, XXXX Area Banker ( Banker name : XXXXXXXX XXXX ) : I scheduled a video appointment with a local Citi banker, but the banker failed to appear, intensifying my concerns. 

Additional Concern - Floating Debit Card : The executive response unit issued a request for a duplicate debit card, yet no one within the unit seems aware of its whereabouts. This lapse has created a perilous situation where an active debit card is unaccounted for, significantly jeopardizing the security of my account. 

In light of these continual failures, my concern for my account 's safety has grown, compounded by the disheartening lack of support from Citi Bank. I earnestly request the CFPB to investigate these matters and work towards an expedient resolution. The uncertainty surrounding the location of my debit card and PIN, neither of which are in my possession, leaves me fearful that my account may be compromised if they fall into the wrong hands. 

Thank you for your immediate attention to this serious matter.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of & thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I've marked as inaccurate ( XXXX XXXX ) XXXX, XXXX XXXX, ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the Equifax data breach of consumers personal information, the following fraudulent and unauthorized accounts has reappeared on my Equifax, Experian and XXXX XXXX credit report. The following account and hard inquiries are all fraudulent and unauthorized : Universal Acceptance Corporation/Car Hop, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX Auto Finance, XXXX/XXXX/XXXX.
Product: Credit card

I have an Apple Card. I have, since getting this card, made payment in full from the same account. I scheduled payment in full through XXXX XXXX application which only allows you to select a date of payment and amount. I had multiple paid from bank accounts setup and XXXX changed the default paid from account to the wrong bank account ( I made no selection ) when scheduling this payment. During scheduling of payment process, the XXXX XXXX XXXX ) provided no option to select account from which payment was to be made, and 2. ) provided no indication of which account was used to schedule payment in either the XXXX app nor in subsequent confirmation of payment email. Furthermore, the notification of a failed payment was provided to me 2 days after the paid in full due date. While I took immediate action to investigate why this payment failed ( above was discovered ) I was assessed XXXX interest charges that were significant. While this was through no wrong doing on my part, I also immediately deleted the incorrect pay from accounts from Apple Card application and reissued payment. Since then, I have attempted through multiple XXXX XXXX chats, emails and hours of customer service calls with both XXXX and Goldman Sachs to resolve this issue, and have explained the above multiple times to difference customer service representatives including escalation to supervisors. This resulted in removing one of the interest charges, only for this to be reversed and charged interest again The reasoning provides only a description of calculations and instructions, but completely ignores any of the facts I describe above ( all of which have been provided multiple times ) to Goldman and XXXX