23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

The problem is that PNCBANK has unilaterally changed the monthly principal and interest amount due on this home equity installment loan. I closed on this loan on XX/XX/XXXX. PNC prepared a Closing Disclosure Form, which is a statement of final loan terms and closing costs. In the section titled Loan Terms, the monthly principal and interest due is {$470.00}. This is a fixed amount. I recently received an Account Statement for period ending XX/XX/XXXX, which identifies the next payment amount due by XX/XX/XXXX. The amount has changed to {$410.00}. I called customer service on XX/XX/XXXX and they could not provide an answer why the amount changed from {$470.00} to {$410.00}. I have 2 concerns, 1 ) What right does PNC have to change the loan terms on an existing loan? 2 ) If I pay the {$410.00} and not the {$470.00} will it affect my credit score? In effect I would be paying an amount lower than that identified within the Final Loan Terms.
Product: Credit card

CapitalOne has repeatedly refused to allow my card from 2005 to remain open, its since gone inactive after I REPEATEDLY requested they send me my card. They asked for proof of address along with ID. I HAVE SENT IN ALL. THEY WILL NOT HELP AT ALL
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 8 hard inquiries that I did not authorize which is identity theft and fraud the names of the companies are as followed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX
Product: Vehicle loan or lease

I am an XXXX year old widow. My late husband, who passed away in XX/XX/XXXX, did most of the business transactions for our household. I owned a XXXX XXXX XXXX, which I did not like. I had previously owned a XXXX XXXX, which I liked very much. So, I went to XXXX XXXX XXXX in XXXX, Florida on XX/XX/XXXX and asked if they could help get me into a XXXX XXXX. 

When I left the dealership that day, I had : 1 ) a brand new XXXX XXXX XXXX with a selling price of {$21000.00}.

2 ) a loan in the amount of {$42000.00} from Kia Motors Finance.

3 ) monthly payments of {$640.00}, which is nearly 1/2 of my monthly income ( primarily Social Security ). 

I am not a sophisticated business person, and in hindsight, this appears to be a transaction which the car dealer and Kia Motors Finance should have known was doomed to fail. I believe the car dealer and Kia Motors Finance took advantage of my lack of knowledge about automobile finance, and I am now facing repossession of my XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Privacy and confidentiality under 15 U.S.C. 1681 XXXX  # XXXX, XXXX  # XXXX, XXXX  # XXXX ( ALL THREE HAVE INCOMPLETE ACCOUNT NUMBERS ) .....

15 U.S.C 1681 section 602 A States I have a right to privacy 15 U.S.C 1681 section 604 A Section 2 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 conviction of crimes which ante date 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 inaccura
te.
Product: Credit card or prepaid card

My name is XXXX XXXX ssn XXXX. Capitol 1 has restricted my account ending in XXXX as of XX/XX/XXXX and is closing my account as of XX/XX/XXXX claiming it to be inactive. However Capital 1 has failed to provide me with a card to use for purchases and has failed to provide periodic statements as required under regulation X. Specifically under article of REG X section 1026 which requires a minimum of quarterly statements. I have another Capital 1 account that I do use regularly and would have also have used this account had they provided me with a card and statements. I have received no statements at all in XXXX, only an email notification of suspension and cancellation of my account. Furthermore, I only received a year end statement in XXXX. Multiple calls to customer service have not be effective as the telephone receptionists in the boiler rooms say there is nothing they can do and the cardholder agreement says Capital 1 has a right to cancel an unused account even if they caused the inability to use the account. I have 800+ credit scores and the loss of a XXXX credit line that has no balance and would be paid in full every month as all my other credit lines are will cause irreparable harm to my credit score. Furthermore I believe I was targeted because Previously I always paid in full and had no interest charges. Also a REG X violation to cancel an account because of a lack of finance charges.
Product: Credit reporting or other personal consumer reports

AS PER THE GUIDANCE FROM THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ) THE DOCUMENT NEEDED AND LETTER FROM AADVOCACY GROUP HELPING ME DUE TO XXXX XXXX-DEBT BONDAGE, WHCIH FALLS UNDER XXXX ACCORDING TOXXXX- DEBT FINAL RULE 1002.142 ( B ) ( 4 ) -5 -- 1002.142 ( B ) ( 7 ). I KINDLY REQUEST THAT YOU BLOCKING THIS INFORMATION FROM MYCREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIT CREDIT REPORTING ACT. IAM A XXXX OFXXXX XXXX OF DEBT BONDAGE AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED COMPANYINFORMATION XXXX. PLEASE DELETE THE FOLLOWING ACCOUNTS. XXXX XXXX XXXX XXXX {$490.00}, {$1600.00}, XXXX XXXX XXXX {$1800.00}, XXXX XXXX XXXX XXXX CLOSED, XXXX XXXX XXXX {$1300.00}, XXXX XXXX XXXX XXXX  XXXX {$2100.00}, XXXX XXXX XXXX  XXXX {$170.00}.
Product: Credit card or prepaid card

I reached out to NAVY FEDERAL to try and resolve my account that was closed. While after trying to resolve and handle my obligation to the account I was redirected to an attorneys office who has not been very responsive after the first call and when asked about a settlement payment or resolution has denied my offers without presenting them to their client ( NAVY FEDERAL ). I wish to take care of this issue and asking to communicate directly with a Navy Federal contact that handles their credit cards. At this moment I had {$3500.00} to offer for settlement in a one time payment. I appreciate any help you can give and I look forward to your response. Thank you very much for you attention to this issue. 

Regards,
Product: Mortgage

Wells Fargo closed my account without cause in 2015 after my bankruptcy. I tried for years to correct this error with the bank. However, Wells Fargo refuse to correct or provide any relief for me. As of today, I still live in the home and pay my mortgage every month.
Product: Debt collection

Zion debt was part of a data breech and was deemed a fraudulent account and was removed now XXXX readded the false account
Product: Credit reporting or other personal consumer reports

I tried to t dispute this inaccurate information several this and each time ended up with ZERO RESULTS DEBTOR ACCOUNT NUMBERXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX Subject : Dispute of Debt Reporting on Credit Report Dear Sir/Madam, I am writing to formally dispute an item on my credit report. The account in question is identified as follows : Account Name : XXXX XXXX XXXX : {$2500.00} According to my rights under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information that I believe to be incorrect or incomplete. I believe the above account is inaccurately reported on my credit file because I do not recognize the debt, and I believe it has either been paid off or is otherwise not valid. 

Under Section 609 of the FCRA, I request that you provide me with the necessary documentation that verifies this debt is valid. Specifically, I ask for : A copy of the original signed agreement or contract, Documentation of the payment history and balance, Any supporting information proving the debt belongs to me. 

Please investigate this matter, and if the information can not be verified, I request that the entry be removed from my credit report in accordance with the law. If this debt is not verified within 30 days, I expect the item to be deleted from my credit file. 

Please send me written confirmation that this dispute has been resolved. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Social Security Number : XXXX
Product: Mortgage

XXXX, I found a home and wanted a home loan. Knowing I had excellent credit I came to find out my mortgage company and non payment on the XXXX loan of the mortgage for XX/XX/XXXX and XX/XX/XXXX. I called Guild Mortgage to see what was going on. It was a mistake on their behalf. I waited for FICO correction letters and they were not sent. I called again, was promised they would fix and send. I never got copies. In XX/XX/XXXX I found some few homes. So, I went to get a pre-approval again and was denied, again, for the same thing, but for XX/XX/XXXX. I called Guild it was a mistake they would fix it. I ended up trying to work with one of their loan person since they knew my obstacles and they knew it was a company mistake. 
They tried by sending me loan papers to sign without explain anything. They said I had to sign papers in order to get things started. It is not the first property I buy, so I know papers are never sign before starting anything. Here I am in XX/XX/XXXX still getting calls every month about me missing payments and every months it 's a mistake on their part and they will fix my FICO by sending a correction letters, which I have not seen, except for one.
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  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 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: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block , inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act. ( cfpa ) specifically cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( efta ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint regarding XXXX XXXX and the credit bureaus ( Experian, TransUnion, Equifax ) for incorrect and delayed updating of my credit information. My XXXX XXXX account # XXXX had an outstanding balance of {$15000.00}. On XX/XX/year>, I made a substantial payment of {$15000.00}, which reduced my balance to {$900.00}. This payment and current balance are correctly reflected on my latest XXXX XXXX statement. However, XXXX has failed to update this information accurately across all major credit bureaus despite numerous calls and repeated assurances from XXXXXX/XX/XXXX customer service representatives. 

This delay violates multiple sections of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. XXXX, which mandates creditors to promptly update accurate information to credit reporting agencies. Additionally, XXXX and the bureaus ' failure violates 15 U.S.C.XX/XX/XXXXe ( b ), which requires credit bureaus to maintain accurate consumer credit information. Further violations include Regulation XXXX ( XX/XX/XXXX Part 10XXXX ), emphasizing the timely reporting of accurate credit information. 

The incorrect reporting significantly damages my creditworthiness and is currently jeopardizing my ability to secure financing for a pending home purchase. This constitutes a violation of consumer rights and protections established under the XXXX XXXX XXXXXX/XX/XXXX and Consumer Protection Act, specifically related to unfair, deceptive, or abusive acts or practices ( UDAAP ). 

I urgently request CFPB enforcement action to compel XXXX XXXX, Experian, TransUnion, and Equifax to immediately correct and update my credit reports to reflect the accurate balance of {$900.00}. Prompt corrective action is critical, as delays pose severe financial harm and risk the loss of my intended home purchase. 

Desired Resolution : Immediate enforcement and correction of the inaccurate information across Experian, TransUnion, and Equifax credit reports to reflect the correct outstanding balance of {$900.00}. Prompt resolution and confirmation are requested to mitigate further financial damage and secure my ongoing home purchase transaction. 

Thank you for your immediate assistance. 

Respectfully,
Product: Mortgage

On XXXX I contacted my mortgage company to request a copy of my Note and my home owners insurance information. I was instructed they will e mail me the copy. I waited next day on XXXX I called them back they said they didn't have my insurance information I told them I would get that from my provider. but I still need the NOTE ''. they e mail me a note of someone else 's home. that was on the XX/XX/XXXX, I call them back on XXXX then this was escalated to an escalation manager XXXX XXXX. He said he will start working on it right away, and for now he will send verification to me so that I can use for my refinancing which on a three way call with my new lender was agree to use that for now but we will still need the Note '' to close. XXXX informed me he had just assigned someone to this from the custodial because apparently they have been waiting for my Docs to be sent to them and that is why they don't have my Note '' they apparently been waiting for three years for this docs, is when I bought my house.. I call XXXX back on XXXX at XXXX spoke to XXXX employee then hang up on me, then call me back only to repeat what I have been told now for the past week. XXXX did call me back saying the same thing they are working on it and they can not find it, custodial has not send it. This is a big problem for me because for one they are leaking personal information to total strangers may be just like they sent me someone else 's note they have my information in someone else 's file. with them not having my Note '' and not giving it to me, I will loose this interest rate I just locked if I don't get this Note '' in time. please help me.
Product: Vehicle loan or lease

I purchased an auto From XXXX XXXX XXXX NC. The date was XX/XX/XXXX. My payments were around XXXX a month. The payment was the same but half the money WF claimed was for interest. Only half the payment went to the principle. I noticed that people kept calling from a local number in regards to the XX/XX/XXXX loan. The payment was in default without my knowledge from my ex-husband. He had my car in arrears due to a chronic behavior. When I finally was able to retrieve paperwork. It was in arrears almost three months. The car started spitting and sputtering and someone said to take it to the shop and another suggestion was the bank had a device on it to repossess. That said I knew this was not the case because I banked with Wells Fargo. During the early years the point of contact was always the same. Fast Forward to XX/XX/XXXX. The car spits and sputters me into the other lane while driving and I coasted it into a driveway. After an hour it starts, then I drove it to XXXX in XXXX NC. It got stuck in park and would not move.I called a wrecker and they took car to XXXX ( XXXX ). They kept refusing to talk to me and when they did they said they couldn't find the problem. I called Wells Fargo and this is when they said the car was three months behind. I paid it and all of the sudden, XXXX Calls and the car is fixed. They still don't know what is wrong with the car. I went to pick it up and they had a used car sale sign on it ready for the sale. They denied. I drove car home and my father helped me catch up insurance and payments from that time till XX/XX/XXXX. At this time I was in XXXX Georgia with a job interview and preparing for work. I was stopped at the intersection by what appeared to be an alleged wreck.I deny the allegations. The car was taken possession at this point by XXXX insurance who claimed it was totaled before ever investigating. The XXXX representatives insisted it was my fault. He also questioned if I had other insurance. I denied. Why would I carry two insurances ' on a car? Its hard enough to pay for one carrier.  Theres more. Contact please
Product: Money transfer, virtual currency, or money service

I have a cash app account that I no longer can get access to. At one point last year I'm not sure on the exact date I will have to check my emails I was granted at one time overwrite code but when I tried to apply that code it was saying that the link had expired. I've tried numerous attempts over the last year I followed every instruction that they've asked when you got Pride provided every single information the correct way and in a format that they ask for it I provided account history with transactions I provided my link debit card I've even submitted a copy of my identification at one point they had me write my name as well as my the date take a picture of myself and send it in to them all these numerous attempts and I'm still not granted access to my account my problem is that when I spoke to one of the representatives he told me that the last transaction on my account is for XXXX or XXXX of last year I'm not exactly sure which one he said my issue is I stopped having transactions done to that account when I realized I had forgot the password so my last transaction shouldn't be XXXX or XXXX of XXXX it should be more like XXXX of XXXX as well as the balance that is estimated to be on there and that me and my wife tried to keep track of on there is no where near the same account balance that he read to me that is currently on my account during the numerous attempts and trying to gain access to my account without me and my wife has been doing in the meantime is taking old devices to repair shops to try to see if my old email addresses on any one of those devices we took two laptops and two cell phones and still got nowhere. I'm just literally confused as to why I'm being denied access to my own account and wide is it not allowing me to input my correct information like I'm doing and it's saying I need to contact customer service why is there like a freeze on my account or what's going on with my account only thing that I get from them is that they can't give me any details further if I have anything outside of this contact them via email. This is regarding cash app and my account in question is $ XXXX. My name is XXXX XXXX.
Product: Credit card or prepaid card

I received a solicitation from american express to upgrade my everyday card to a preferred one about a year ago. On XX/XX/20, the annual fee hit my account. I happened to applied for and have my platinum card now, and I was thinking the preferred one is no longer my focus to me. Since the annual fee hit my account, this gave me the understanding that I have kept my preferred card for a full year and seems a good time to downgrade my preferred card to an no annual fee one. 

However I noticed that my account got deducted XXXX points. I reached out online team and called the membership rewards team. They said, I didn't keep the upgraded preferred card for a full year so that deducted this. They said it was suspected there is a violation of the rules? 

I hereby make it clear that I never attempted to game the system. It just happened that I no longer need the preferred card since I already have the platinum card. However, amex still refused to add back my points.
Product: Payday loan, title loan, personal loan, or advance loan

Product was from XXXX, financed through AFFIRM. 30 day warranty of product from XXXX. Product not kept during warranted period. Was donated and receipt given from receiving company. Receipt sent to XXXX. Therefore I do owe AFFIRM for a product I DO NOT OWN.
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. 

Account Name : 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  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

In accordance with the fair credit reporting act, the following : XXXX XXXX XXXX  - account ending in # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX have violated my rights 15 U.S.C 1681 section 602 A states : I have the right to privacy.

15 U.S.C 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

XX/XX/XXXX I opened my bank account and noticed some suspicious transactions. The amount was {$14000.00}. Someone had done an external debit transfer and I did not receive any text messages in this regards. I called the bank. I asked them to freeze outgoing transactions. Next day XX/XX/XXXX, They took notes and filed a claim. They told me new accounts will be created and I needed to sign some documents. I called every since then till Tuesday XX/XX/XXXX. They kept giving me different information. They also said since there is an issue on their system, this debit external transfer is new I will get all my money back that was taken. Today XX/XX/XXXX when I called them they said investigator has denied {$9500.00}. I told the bank there was no text messages as I rely on that and how come their system can allow these external transfers to go to an unknown person. There is no profiile matching and this is a security breach. The bank said they are just front line and the notes that had was vague for ex someone used my IP address, I have virus software and use VPN to avoid this from happening, I have low vision so I am expecting Banks to safe guard my hard earned money. Now its so difficult to get my money back and US bank has not been helpful.