23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In mid XXXX we were notified by our county that our taxes hadn't been satisfied. I made multiple attempts over multiple weeks to get this rectified with PNC. Finally on XX/XX/XXXX  PNC confirmed that payment was mailed. Please note, this took well over a month and a half to resolve. A week prior to resolution, I requested they close our Escrow account so I could manage and pay this on my own due to my concerns in their failure to pay time and rectify the situation timely. 

On XX/XX/, I finally received the paperwork to cancel escrow and was shocked to find that they required a payment from me of {$520.00} which is .25 % of my escrow balance. I questioned if this could be legitimate and the rep stated it was a " national '' type fee that all companies would charge for doing this. Working for a credit union myself, I inquired with our department and they stated that they had never heard of that and they had never charged that. 

XX/XX/XXXX  I requested a disclosure of this as our mortgage wasn't signed with PNC but PNC did buy our mortgage from our previous lender, XXXX. Whether it's a fee that PNC CAN charge, it's very much a junk fee and is absolutely unnecessary. If this was a basic savings account ( which it ultimately is ), I shouldn't have to be charged an absurd fee ( $ XXXX ) to retain funds that are ours to pay bills for our mortgage that PNC has proved they couldn't handle doing timely. Their errors and my distrust in them is the only reason I requested to close this in the first place. 


As of today, I don't have a copy of the disclosure/fee statement I requested. In reviewing our mortgage statement, I am seeing that they disclose " CFPB 2nd Servicing File in 6 months of {$250.00} ; Escrow Deletion : .25 % of Unpaid Principal Balance ; They charge {$15.00} for " priority service '' and various other fees and state they are " subject to change without notice, subject to applicable laws. '' I am located in Wisconsin so would be curious if this is a fee even permissible in Wisconsin. 

Even if it's not " against the law '' to charge a fee, does not mean that they SHOULD charge a fee and this directly aligns with CFPB 's publications and working towards removing junk fees.
Product: Checking or savings account

We have XXXX business bank accounts with TD Bank. TD Bank Account # XXXX and TD Bank Account # XXXX for XXXX XXXX XXXX, XXXX and TD Bank Account # XXXX for XXXX XXXX XXXX XXXX. I have personally visited the bank on XXXX occasions, called them on recorded lines at least XXXX XXXX and sent XXXX emails including a written official letter. We were told someone name " XXXX '' in their XXXX XXXX Department is investigating our accounts which were frozen on XX/XX/2024. Subsequently, I visited the bank and called on numerous occasions which I was informed XXXX wires were in question and given dates. I called both clients ( with wires in question ) they were both happy with our company, so I drafted a letter on XX/XX/2024, with the clients ' names, phone numbers and exact wires and emailed XXXX XXXX. Since then, I have received no written or oral correspondence from anyone at TD Bank. So, on XX/XX/2024 I called XXXX XXXX who was very rude to me and literally almost challenge me to a face-to-face fight to come to her bank branch. So, I wrote a written complaint to her and yet no response. I followed up with another call on XX/XX/2024 on XXXX ( Fraud Dept ) I was promised it would be resolved by XX/XX/2024 and I would receive a call. I have not received XXXX written or verbal response.
Product: Credit reporting or other personal consumer reports

Complainant : XXXX XXXX I am filing a complaint against Experian, Equifax, and TransUnion for failing to investigate fraudulent accounts, remove derogatory items, and correct personal information, violating the Fair Credit Reporting Act ( FCRA ). 
In XX/XX/2022, I was a victim of identity theft, and fraudulent accounts ( XXXX XXXX XXXX XXXX  ) were opened in my name. Despite filing disputes with supporting documents, these accounts remain, violating FCRA Section 605B.

Additionally, the bureaus failed to verify charge-offs and collections ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) under FCRA Section 611. Unauthorized inquiries ( XXXX, XXXX ) and incorrect personal data also remain. 
The CFPB recently sued Equifax & Experian for similar failures. I demand immediate removal of all disputed items. Noncompliance will result in legal action under FCRA Sections 616 & 617. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXXXXXX XXXX XXXX  XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX  XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX, XXXX XX/XX/year> XXXXXXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXXXXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Checking or savings account

Complain against XXXX and statement of privacy with sending funds to wrong person by mistake
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated 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. 

This same account is also reporting inaccurate information. Both credit agencies are reporting different account opening dates. Different months in which the account was paid. There is a discrepancy in the account status between XXXX agency and the other. This violates my rights and this is inaccurate information. Also, my husband 's report for the same account has totally different information. 

According to the Fair Credit Reporting Act ( FCRA ), Section 623 ( a ) ( 1 ), furnishers of information have a duty to provide accurate information :
Product: Debt collection

These accounts were to be filed through my insurance. I called the office back in 2013 and the representative said they did not have my insurance on file. I updated it with her. However, she said she can not submit a claim over 30 days. I said her fault ; I have insurance. Your problem you lost it. Then called Simons debt collection agency woman said the 30 day thing is not true and that she would contact the medical office.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these items with the 3 credit bureaus and have not received a response from them
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello XXXX XXXX XXXX My name is XXXX XXXX and our account is under XXXX and XXXX XXXX and our loan number is XXXX and I am opening up a 2nd complaint with the  Consumer Finance Protection Bureau against Freedom Mortgage. The first complaint was filed in XX/XX/XXXX and the origianl complaint number is XXXX. As part of resolving the issue of my payments taken out of my bank accounts by XXXX and not being posted to Freedom Mortage, my credit was to updated to reflect that my account was actually current. As part of your own wording that was to be done, which now I find that your company still refects that in XX/XX/XXXX I was 30, 60, and 90 days late. I am in the process of trying to purchase a new home, to be financed by the builder. I was contacted by the lender and told that unless this credit reporting is resolved quickly I can potentially lose the home and the closing costs which would have been available to be paid by the builder once the credit is approved. I have included a copy of my orignal complaint and your response. I need this issue resolved immediately, as it was to be almost one year ago. Please contact me directly at XXXX
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE THE FOLLOWING ACCOUNTS FROM MY REPORT AS THEY VIOLATE MY CONSUMER RIGHTS PER 15 USC -2 STATES EXPECT AS OTHERWISE PROVIDED IN THIS SECTION, A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM ALLEGED, NOT LATER THAN 4 BUSINESS DAYS AFTER THE DATE OF RECEIPT BY SUCH AGENCY OF A COPY OF AN IDENTITY THEFT REPORT, APPROPRIATE PROOF OF IDENITITY OF THE CONSUMER, THE IDENTITIFCATION OF SUCH INFORMATION BY THE CONSUMER AND A STATEMENT BY THE CONSUMER THAT THE INFORMATION IS NOT INFORMATION RELATING TO ANY TRANSACTIONS BY THE CONSUMER. I DEMAND YOU TO DELETE THE LISTED ACCOUNTS IMMEDIATELY PLEASE ALSO REMOVE THE FOLLOWING INQUIRES AS IT IS IN DIRECT VIOLATION OF MY CONSUMER RIGHTS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE DISREGARD PREVIOUS COMPLAINT IT WAS MISSING DOCUMENTATION
Product: Credit reporting, credit repair services, or other personal consumer reports

Merchants & Medical is erroneously attempting to collect a debt in the amount of {$3700.00} on behalf of XXXX University. In XX/XX/XXXX, Merchants & Medical placed this collections account on my credit reports causing extraordinary damage to my reports and FICO scores. I hired a firm in XX/XX/XXXX to investigate this matter further with XXXX. On XX/XX/XXXX, my counsel and XXXX  concluded their investigation and, as a result, XXXX deleted the Mechants & Medical account from my credit report. On XX/XX/XXXX, Mechants & Medical has illegally placed this account ( XXXX ) on my credit reports again by using fraudulent, illegal and unfair debt collection practices despite my firm having successfully worked with XXXX to get the Merchants & Medical account removed from my credit reports in XX/XX/XXXX. Months later, in XX/XX/XXXX, Merchants & Medical fraudulently placed this account on my credit reports again causing me further harm by damaging my credit during the COVID-19 pandemic, one of the most devastating times for Americans in the  history of our country. Once again, I will have to file disputes with the credit bureaus to have this account removed from my credit reports in an attempt to reverse the damage caused by Merchants & Medical.  Furthermore, I will be seeking additional legal counsel and filing complaints with the XXXX and FTC if this account is not removed from my credit reports promptly. I would like to settle this matter without litigation. However, if Merchants & Medical continues to cause me and my family harm with their fraudulent, illegal, and unfair practices, I fully intend to invoke my rights as an American citizen and leverage the judicial system. I have attached the results of XXXX XXXX investigation to this email as evidence that the account was deleted as a result of their investigation in XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX/XXXX/XXXX  Account # XXXX, XXXX  XXXX  XXXX Account # XXXX, XXXX  XXXX XXXX Account # XXXX, XXXX-XXXX  Account # 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: Credit reporting, credit repair services, or other personal consumer reports

This account doesn't belong to be me when they finally closed it and charged off in XX/XX/2023 It reported late payment on the report month after month I have been disputing this account this is all wrong. per FCR, this must be rectified 15 U.S. Code 6801 - Protection of nonpublic personal information said : ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
Product: Debt collection

I went to buy a car at dealer from a very good friend and in the middle of the process he ask if i was ok and i ask what do you mean? He said looking at my Credit report he can see i went to XXXX XXXX. This is not acceptable! with do respect i should be protected under Hippa or At least notes explaining that Im ok and don't have any type of XXXX. I have disputed this with all three credit reporting agencies and called creditor and they laughed. This should be removed or at least re worded to unknown.
Product: Checking or savings account

My bank debit card was compromised and used without my permission by an identity theft criminal on XX/XX/19, I called the bank to report that someone has access to my account and bank card, the customer service recommended not to file a police report for identity theft and allow them time to investigate. the bank found foul play and returned the stolen funds back to my account. On XX/XX/19, I stopped in to my local NEVADA STATE BANK BRANCH to close my account, they gave me a hard time and it was embarrassing, the teller confirmed my account was closed, but NEVADA STATE BANK were acting willfully negligent and allowed my account to rack up fees before the bank closed it on XX/XX/19, which resulted in being charged fees of {$250.00} or more that I am not responsible for due to the banks willful negligence they allowed my information to be compromised. THIS BANK COMMITED FRAUD!
Product: Checking or savings account

someone made deposit that didnt go through and it wasnt me i did nothing to hthis account they refuse me any information nor let me close it.. i have been in out of the hospital and am unable to get to the bank. i have never made any transactions to this account since i opened it the balance should be 0 . i need it closed for they are charging me fees and i have no way of paying them and dont want it to go to check systems. i have told them i refuse to have this account open but they wont listen to me. I have the right to close any account at my discretion and it should be ) $ i did nothing to this account i have always been in XXXX XXXX never outside it
Product: Credit reporting or other personal consumer reports

XXXX has an account with inaccurate information wothout my written consent. 

XXXX has violated 15 U.S.C 1681 sec 602 A : A right to privacy. 

I am a victim of indentity theft and this account leaves room for exposure.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  Credit Reporting Agency XXXX XXXX XXXX  XXXX XXXX, XX/XX/XXXX XXXX Re : Request to Reinvestigate & Delete Accounts Re : Full name : XXXX XXXX Social Security # XXXX Date of Birth : XX/XX/ Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit  Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

1. XXXX Balance {$530.00} 2. XXXX {$440.00} 3. XXXX XXXX ( Original Creditor : XXXX  XXXX  XXXX   XXXX COMPANY ) {$980.00} 4. XXXX XXXX XXXX {$15000.00}
Product: Credit card or prepaid card

previously i filed a complaint against American express because they keep denying me due to a old bankruptcy with your help they called me and issued me the new card then supposedly fixed the problem. they indicated it was a internal issue. well i called them and tried to replace a card I 've had with them for 3 years with no balance with a cash back card. they said i would have to apply for the new card and then cancel the old card. well i did. guess what. denied due to a so called bankruptcy again. they sent me it in writing and i quote ( filed bankruptcy )
Product: Credit reporting, credit repair services, or other personal consumer reports

By federal requirements youre all supposed to investigate certified mail that I sent you. Over the course of the last six months I have spent my hard earned money to be able to afford sending you mail that you guys are required to investigate. 

You all should be ashamed of yourselves as companies you guys have caused me a great deal of anxiety and stress Once again each unless one of you companies are willfully noncompliant when it comes to my affairs.Let this be your final warning and I notice to all of you. 

My attachments are attached to this complaint.
Product: Credit reporting or other personal consumer reports

I noticed some inquiries on my credit report that I have not authorized nor have I signed any paperwork
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$21000.00}, {$42000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$21000.00} -This is not my account. 


-- PERSONAL ACCOUNT -- XXXX. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$42000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

As I've Stated. I Demanded To All These Fake Credit Agencies That ONE Name. And One Address Be Used On My Report. 

( XXXX XXXX XXXX XXXX!!! ) XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, Wi. XXXX. 

So Why When I Went To Obtain A Free Copy Of My Credit Report, Yesterday ; They Had EVERY ADDRESS I'VE EVER HAD GOING BACK TO 2002!?!?!?!?!?!?!?! 

And Your Response : XXXXYou Should Hear Back Within 60 Days ... '' They DON'T HAVE 60 DAYS!!! THEY HAVE 30!!!!!! Furthermore, They've Already Used Over A Year, Ruining My Score And Wasting My Time While You Did Nothing. 

As Per The Fair Credit Reporting Act, Each And Every Address Which Is Not My Current Address And All Connected Accounts Should Be Immediately Deleted. From My Credit Report. 

I've Also Asked That Every Single Debt, Or Account Older Than 7 Years Be Removed From My Credit Report As Well. I'm A CEO With XXXX Companies In Total. 

I Don't Have Time For This Childishness. Anything Negative On My Credit Report In The First Place, Was Likely A Product Which I Returned, Such As A Cellphone For Instance Or Another Service, Which Was Not As Advertised. I Handle My Business. But If You Think You're Going To Cheat Me, Or Give Me Substandard Service. I'll Return Your Product. Nothing Wrong With That.
Product: Checking or savings account

I closed out my XXXX after stopping work with a home improvement retailer. On Monday XX/XX/21 the company sent the money via EFT to my bank. As of this morning, XX/XX/21, it has still not been posted to my account. This is causing me untold problems. My landlord wants the rent, the electric bill is overdue, my home internet has been shut off, my car insurance has been cancelled, etc...
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested pre-approval letter for my mortgage. I have permitted my lender to run credit inquiry for that and he ( XXXX XXXX ) ran credit one time on XX/XX/2021 ( XXXX XXXX ). But on my report one more inquiry shown on XX/XX/2021 which I did not authorized and it was failed somehow. So, I tried to contact all three bureau XXXX, XXXX  and Experian. I only got response from XXXX  but I am not satisfied with their answer. However, I did not get response from other two reporting agency and its hard to reach them and also they don't provide service online as XXXX  provide. 

So, my ultimate goal is to remove unnecessary wrong inquiry from XX/XX/2021 and keep from XX/XX/2021 which is valid.