23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We asked PNC Bank to cancel our escrow account and allow us to pay local taxes and insurance, leaving only the principal for us to pay to PNC. 

Later we received a document from PNC requesting our signatures to consent to the cancellation of escrow. It included a fee of {$250.00} to close the escrow account, which PNC claims in CAN charge according to law. However, the law doesn't say they MUST charge a fee, only that they CAN. In addition, nobody from PNC will tell me what this fee covers. 

I requested that the fee be waived and PNC says they only waive a fee if they have mistakenly charged it. We feel this fee is an insult to us as a customer of the bank -- -a fee that is being charged so that PNC won't have to do work servicing our escrow account from now on. In other words, " Pay us a fee so that we don't have to do anything in the future other than cash your principal check. Pay us to do LESS work. '' PNC will also not tell me how they make money through the purchase of loans ( ours originated with XXXX XXXX ) and when the loan was sold, we didn't receive a consent form that asked if we wanted to continue payments into escrow. 

Their logic is, " We don't make money from your escrow account ; we make it by servicing your loan '' -- -but what does that even mean? Somebody is making money somewhere, but PNC agents can not seem to answer how/who/where this is being done. Is their profit more than {$250.00}? 

These fees are not only an insult to customers, they are immoral and should put anyone who may be contemplating working with PNC Bank on guard from a consumer standpoint. Banks have already been fined or slapped on the wrist for charging excessive fees -- -and in our case, this fee is " just because we can '' and mysteriously doesn't apparently cover anything other than a keystroke by a member of their escrow division.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I purchased a XXXX Ford truck from a private owner. The vehicle was financed through Wells Fargo Bank. In my presence the previous owner paid off the loan with an electronic fund transfer. Wells Fargo advised that the " Lien Release '' would be delivered in 5 to 10 days via mail. Today marks 20 days and neither the previous owner or I have received the Lien Release. Several calls to Wells Fargo have not yielded any assistance on the matter. My Wells Fargo complaint case # is XXXX and the phone number for them is XXXX.
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, I believe we must eliminate any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.
Product: Bank account or service

good dayMy name is XXXX XXXX and attend XXXX XXXX where I have a business account to request a machine to collect cards, the contract you sign does not correspond to the contract requested and sent me the bank since that is not my signature. Plus I had understood that the seller was only one year contract and that is signed with my name but not my signature says 48 months. Also the first machine they sent me was not right so ask the right but never refunded me the first collection of the first incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never had this accounts, never applied for it. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish.Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.
Product: Checking or savings account

At XXXX in XX/XX/year> I picked up my phone and saw I had a prompt from cash app asking if I recognized a XXXX $ charge that was being made to my account. I immediately responded that it wasnt my charge and the charge was declined. After I marked the activity as suspicious I started going through the process of card replacement and as I was filling out that info, XXXX again tried to charge my account for the same {$42.00} that I had just flagged as not approved and they let it clear my account and refuse to refund the money as it was their fault. I had already flagged the charge. Then I I have been disputing it ever since and when I ask for documentation that proves I approved the charge all I get is a simple generic receipt saying the date, the time, transaction number, and the vendor. Thats not documentation of proof of anything. I never used the services I was charged for and never wanted them in the first place.
Product: Credit card

I opened up a personal and business checking account with PNC back in XXXX, XXXX and applied for a business credit card. I contacted XXXX several times in XXXX to receive an answer but I haven't. XXXX is a great banker but I just feel like she was very busy.
Product: Checking or savings account

Our online bank is USAA which is in XXXX XXXX, Texas. On XXXX XXXX at around XXXX we received a call from an alleged USAA Fraud Representative claiming there was fraudulent activity with our accounts and he would investigate and fix any discrepancies. He said his name was XXXX XXXX and his USAA employee number was XXXX. The call lasted 6 hours during which time he constantly sent us text messages with verification codes that we relayed back to him. I tried to verify the validity of this caller 's ID with USAA on another line. I was locked out of my account but I was told by a USAA customer representative " XXXX '' the phone number the caller was using and his employee number looked legitimate but he wasnt positive. The representative I spoke to was " XXXX '' and my recorded call was at XXXX XXXX Eastern time zone. The caller continued sending us text messages with codes which we relayed to him. We believed he was a real USAA Fraud investigator. He claimed we needed to hit yes to the transactions so he could verify the link to our other accounts. He stated that no funds would be transferred and he would reverse the transactions after the verification was complete. Also during the 6 hour call, this Fraud Rep added {$25000.00} into our account and began moving money around and making payments to entities such as XXXX and XXXX. His ability to move money quickly as well as add {$25000.00} further led us to believe he was legitimate. We later learned that he used a personal check. On Friday, XXXX XXXX, USAA sent us a " Notice of Deposit Adjustment '' along with a copy of the personal check he used. The check is clearly fraudulent. The adjustment notice notes that the check is " not payable to Account Holder ''. The date of the check is XX/XX/year> and payable to " XXXX XXXX ''. The dollar amount hand written on the legalline is " XXXX XXXX XXXX '' and the numerical amount is typed XXXX. There is no endorsement signature on the back of the check. A copy of the deposit slip was included in the documents. As of today we are out about {$4700.00} from our original checking account balance and I am showing a negative {$25000.00} balance in our checking account. This check did not come from us and we never tried to deposit it. We have been calling USAA all week and this week trying to get this straightened out and our original checking account balance returned and removing the negative {$25000.00} balance. USAA conducted their fraud investigation and said the incident was an " account takeover '' but then said they found no fraud. I have generated a police report with the XXXX XXXX Tennessee Sheriff, an Identity Theft report with the FTC and our whole family have put freezes on our accounts with the three credit reporting agencies. I have submitted a complaint report with the FBI IC3 office. We are now disputing all the charges.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/year> Subject : Violation of Cease and Desist Order Account ending XXXX Wells Fargo case number : XXXX This letter confirms that you have violated the cease and desist order I issued on XX/XX/year> regarding account XXXX. Your continued contact constitutes harassment and a violation of Texas law under the Fair Debt Collection Practices Act ( FDCPA ), 15 u.s.c. 1692c ( c ). I am legally taking the next step of action unless we can work on a settlement for damages. 

Sincerely, XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I had a medical incident where I was taken to XXXX XXXX XXXX XXXX XXXX. Upon arrival my insurance information was given to medical centers staff. I later received a bill for the visit and found that they had not utilized my insurance for the charges. I called and tried to correct this a again provided them my insurance information. I then received another bill for the same amount again not utilizing my insurance coverage. This happened multiple times either me calling them to apply my insurance or them calling me and then explaining to them what happened, in each instance they told me they would make the correction which they never did. The last call I received from them they stated that the case had gotten too old and that my insurance could not be applied. This was the last contact I had with XXXX XXXX XXXX. Today I received a collection from Peter Roberts & Associates , Inc. attempting to collect a debt of {$3000.00}.
Product: Vehicle loan or lease

I was in a car accident which resulted in total loss of the vehicle, my primary insurance paid their portion to  Kia Financial which left a balance remaining balance for my gap to cover. The gap insurance is requiring certain documents from kia financial, I have tried multiple times to obtain these documents from kia financial with no luck. Kia continues to send me partial documents and each time I call its a 2-3 da y turn around. I was previously instructed by kia to not make my payment which would result in no late fees or interest and adverse credit reporting. My payment functionality was removed from the website and based off my result today my account has been referred to recovery. Again I called today and I was assured that I would not accrue late fees or or interest and no credit reporting.
Product: Money transfer, virtual currency, or money service

On or about XX/XX/23 i mailed 2 checks drawn on Webster Bank, to XXXX XXXX XXXX XXXX XXXX XXXX  ) each for {$25000.00}, attys  checks, and they never arrived at XXXX. They were stolen and deposited in XXXX  XXXX XXXX ( per webster bank ) and Webster Bank paid the funds even tho the back of the check said For Deposit only, XXXX, XXXX Operating Acct, and my name as asst treasurer. Myself and XXXX XXXX spoke with XXXX XXXX of Webster Bank. She gave me no info except that she would get back to me and then called the issuer of the check and i received an email indicating XXXX would not speak to me because i didn't have a XXXX account and to inform me of this. XXXX then called XXXX and she told him that because i had endorsed the check, the thief was able to deposit the check. " It was as if she ( that would be me ) had given the thief envelopes of XXXX dollar bills. '' We spent a couple of weeks looking for the check at XXXX, perhaps mistakenly deposited, a few weeks waiting for our atty 's advice, and our atty suggested our insurance company. I think Webster bank has responsibility here and XXXX  XXXX XXXX. I've made reports to police, postal service, Fed trade Comm. Someone needs to get into bank records to help us... an audit perhaps... to get us back our funds and/or to find out why this really happened. Its a lot of money to give out so easily without some inside fraud involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

My business partner and I had to permanently close our business due to our governor shutting us down during XXXX. Upon closing the business partner wanted to keep the XXXX XXXX credit card active for her to use. We contacted the XXXX credit card company and filled out the form to remove me as Authorizing Officer, then placed her as sole responsibility for the card. About a year later she started missing payments ( Job loss due to XXXX again ) and THAT is when I noticed my credit report score dropped from XXXX to XXXX overnight. Ive spent the last XXXX months trying to get XXXX XXXX correct this error. The XXXX credit card company assured me its being handled each time I called them to say XXXX still seeing it on my credit report. XXXX is now not returning my calls. 
This erroneous XXXX information has caused my homeowners insurance to triple. Im s XXXX veteran senior citizen on low fixed income and cant afford the tripling of my rates everywhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

After never receiving actual bank statements for my personal loan. I was never given an opportunity to pay my monthly payment without having to physically go to the bank. I then ran into a issue with payments where the bank representative never spoke of any late payments during the time of my payment. since the start of this loan, there as been a lack of communication for what i'm was responsible for each month. since trying to resolve this, I have seen this credit union continue to show inaccurate information about my payment history thru my XXXX along with other reporting agencies. Im asking for all miss payments removed along with {$1000.00} in compensation.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account Name : XXXX  Account Number : XXXX Account Name : DP OF EDUC Account Number : XXXX Account Name : DP OF EDUC Account Number : XXXX Account Name : DP OF EDUC Account Number : XXXX Account Name : DP OF EDUC Account Number : XXXX Account Name : DP OF EDUC Account Number : XXXX has violated my rights. Or a list of Inquiries : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

XXXX5 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 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 or 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: Mortgage

Please see previous complaint-XXXX. 

I just received my mortgage statement and, despite B of A stating that the charge in question has been a clerical error, and they never actually collected the fee from me, the charge remains in place and, the math adds up to an additional {$4.00} on my mortgage payment.

This proves that B of A has taken no responsibility and I would like the original complaint re-opened and B of A held accountable.
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. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX 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 Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX XXXX ) XXXX XXXX XXXXXXXX Credit Card with account # XXXX opened on XX/XX/XXXX and has a balance of {$0.00}. 
I dont remember ever being late with a payment on this account. 

2 ) Inquiry from XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
-- -- -- - XXXX  1 ) XXXX XXXX XXXXXXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dont remember ever being late with a payment on this account. 

2 ) Inquiry from XXXX XXXX XXXX  on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

3 ) Inquiry from XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

4 ) Inquiry from XXXX XXXX XXXX  on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

5 ) Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

6 ) Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

7 ) Inquiry from XXXX XXXX XXXX  on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

8 ) Inquiry from XXXX XXXX XXXX XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

9 ) Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
-- -- -- -- - XXXX 1 ) XXXX XXXX XXXXXXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dont remember ever being late with a payment on this account. 

2 ) Inquiry from XXXX XXXX XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

3 ) Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report.
Product: Credit card

I am writing to formally request a copy of my 1099-C form for the debt that Macys wrote off as a charge-off. Despite my multiple requests, Macys has failed to provide me with this necessary tax document, yet it has repeatedly reported the charge-off on my credit report. This failure to issue the 1099-C is causing financial complications and preventing me from properly addressing my tax obligations. 

Additionally, Macys charged off my account on XX/XX/year> and has been inaccurately reporting my account as a late payment. This is not only misleading but also violates Section 605 of the Fair Credit Reporting Act ( FCRA ), which mandates that creditors must report accurate information to credit reporting agencies. The inaccurate reporting of my account as late is a clear violation of the U.S. Code, and I request immediate correction.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Employer - XXXX XXXX  Incorrect DOB : - XXXX Employer - XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX - XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXXXXXX XXXX - XXXX Listed below are the Inquiries that are being challenged 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting

I would like you to please looking into why my credit score dropped so far down when i had fair credit. Tran Union dropped my score from XXXX to XXXX that is a drop of XXXX points and XXXX dropped my score from XXXX to XXXX that is XXXX points. I sent them a letter in XX/XX/XXXX telling them i did not make all of those hard copies on my account 's. I have not heard anything back from them since i wrote to have those hard copies remove. All they have done is dropped my credit score. Please have them put it back my credit score should be. I seen the drop on XXXX. will you make sure they take the hard copies off and raise my score on XXXX again. Sincerely XXXX XXXX
Product: Debt collection

They continue to call my work and I have asked 6 times to stop calling me at work. They have failed to listen. They stated that they have left me messages on my cell phone, but they never have. As soon as I spoke with them at my work number and asked them again to, stop calling here, I also told them I would try to call them this afternoon, they called right back on my cell phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sears is already been paid on full I ask them to deleted they refuse same as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX