23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My dad passed away in XXXX and I was the sole heir which included 2 homes in the same area. Both homes were/are in my name on the deed/titles since XXXX. 
Both homes have loans associated with them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was/has been fantastic and made sure that this loan is in C/O I receive all statements, including year end 1098, and the county assessed documents for property taxes in my name. 

I have gone rounds and rounds with PennyMac 's " Customer Care '' over the last few years telling them that they need to provide this form. I even just recently received yet another email on Friday, XX/XX/XXXX that they are not required to provide one.

YET, they SEND ME a 1099 for the interest on the escrow! SERIOUSLY, HOW INCOMPETENT! 
I have explained over and over that they do need to. That this loan should be " in c/o '' that it isn't in an estate, trust, or company, that I am the sole property owner. 

I pay all the payments to them ( which includes escrow ), my CPA has had to calculate the taxes off statements since they refuse to correct this. 
I also receive from the County the property tax assessments for this property because I am listed as the property owner. 

I am tired of wasting my time when they continue to defy IRS tax guidelines. 

And not to mention the hurt that goes along with missing my dad terribly since XXXX and having to deal with people and companies that clearly have zero knowledge, yet are fine with my 8 years of payments. 

Thank-you for your assistance.
Product: Credit reporting or other personal consumer reports

I have reached out regarding my account and whether or not I still owed money. I was saw on the website that my account was marked complete so I disputed the amount shown on my credit score to have it categorized as closed account. It came back that I owed money from transunion so I called them and the representative verified that I didn't owe anything. I disputed again, same result. So I called and they told me that the account still owed and that they sold it. When I requested information on who it went to over several different phone calls I was given wrong numbers and different organizations names. I am fed up with this.
Product: Mortgage

XXXX has sent me a notice informing me that my loan is " still outstanding for two installments '' and advising me about potential legal proceedings. This claim is patently false. 

I have made ALL PAYMENTS timely and this can be documented in my bill pay records which I have attached. The payment address and account numbers are correct. 

Clearly, this threating letter was sent in error but no one can explain why my payments are not being applied properly. I believe this company is probably deeply incompetent and I believe they should be swiftly disciplined and fined. 

I called the customer service department on XXXX XXXX, 2017 and the individual I spoke with dismissed my concern while saying they had " no idea '' why I received that letter. I am deeply concerned that my valuable credit score will be impacted, or even worse, that this company will erroneously start foreclosure proceeding when every payment has been made on time. 

Please, fine XXXX so they learn they can not treat customers this way.
Product: Checking or savings account

Hello I live in XXXX with my sister co- owner of the account Im referring to.

Since XXXX I have one checking account and on savings account in XXXXXXXX XXXX, but last year they transferred my founds to Citizens Bank. 
On XX/XX/XXXX my bank " XXXX '' sent me a letter asking for some personal data to maitain my account opened with a due date on XX/XX/XXXX before freezing or closing the account. 
When I call to the bank ( XX/XX/XXXX ) they said the accounts are already closed and they sent 2 checks by mail to my personal adress in XXXX XXXX ( did not recieved yet ) When I complained about not receiving any communication and saying that I did not approved any account closing they say " we dont want you as a client '' The denied giving me any tracking number of the mail, no email communication ( they say they dont send e mails to older persons ) and no futher information about my money. 
My complain is about not having a positive response from the account supervisor and mainly because deciding by themselves with no consultancy about closing my account and not giving me news about my money They did not respect the due date they sent in the receoived letter so I can not accept them to infringe my rights to decide on my savings- I need your support on this matter to get a solution best regards
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO " UPDATE/REPAIR '' THE FOLLOWING ACCOUNT. 

Please update this account, or inaccurate information, from my file immediately & send me the results to the address listed XXXX XXXX  XXXX XXXX Date Opened : XX/XX/2020 Balance : {$33.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the rights to privacy. 15 USC 1681section 604 a section 2 also states a consumer reporting agency can not furnish account without my written instructions. Under 15 USCS 166b, a creditor may not treat a payment on a auto loan under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am a victim of the recent data breach involving Equifax. I am extremely concerned about the security of my personal information and the potential misuse of my accounts. According to 15USC 1681- ( 2 ) a, I request that you block and delete all accounts associated with my name and personal information that were compromised during this breach. It is very important for me to protect my identity and my personal financial business. Please confirm the actions taken regarding my request and provide any necessary information regarding further steps I should take to make sure my information remains safe and secure. Thank you and once again please block and delete the following accounts. XXXX XXXX XXXX XXXX XXXX XXXX {$3100.00}. XXXX XXXX XXXX XXXX XXXX {$480.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to report data from my XXXX  - XXXX Visa account which has caused my credit score to be much lower than it should be.
Product: Debt collection

Experian had a breach of data and I need all my auto and credit card debt removed as it is identity theft.
Product: Checking or savings account

Om XX/XX/XXXX, I went to my local bank branch, PNC at XXXX XXXX XXXX, XXXX, NC XXXX. I needed documents from an account I recently closed in XX/XX/2019. The account number ends in XXXX. 

I asked for documents and records from this account. I was told that the Manager of the branch stated that I could not access any documents or information from this account because the account was closed in XX/XX/2019. I also asked for an authorization form so that I could give a 3rd party access to this account and permission to speak with bank representatives on my behalf. I was told there was no way I could give PNC permission to release information to a 3rd party and that a 3rd party would have to subpoena such information.

My son who has my Power of Attorney also asked for the information about this account and he was also refused. He was told that the Power of Attorney needed to be reviewed by the legal department even though it was recorded at the register of deeds office on XX/XX/2019. 

I do not understand why I can not get access to my own account, even though it was closed a few months ago. I do not understand why I can not give permission to a 3rd party to access account information. I do have another active account at PNC.
Product: Checking or savings account

On XX/XX/10 my account was negative about {$8.00} due to pending transactions that already deducted from my available funds. I made a cash deposit and have the receipt showing my balance was in the positive at about XXXX. When I woke up this morning, I received 3 insufficient fund fees. Once researching I noticed that not only did my available balance change, but they allowed for a charge from 6 days prior go through. I DO NOT have overdraft protection because I will never allow the bank to overdraw and charge me fees. Instead they allowed a transaction to go through from XXXX ( {$47.00} ) instead of declining it. They also rearranged all pre deducted transactions to add in an older dated transaction that appeared after I took my account out of negative causing 3 insufficient fund fees. If I am not electing overdraft then no transaction should be causing the account to go negative. Rearranging transactions from largest amount to lowest is also against the law. It is not my fault the merchant or bank waited 6 days as shown in attached photo, to charge or post. Standard posting is 3 days somehow this took 6 days which is at fault of bank. This is not a recurring charge it was an online purchase made a week ago. Bank needs to be careful with deducting and posting while rearranging transactions. They deducted as they were purchased, but this morning they are all rearranged with transaction that appeared last night sometime posted before my pre deducted transactions from earlier in the day. As transactions are coming through it lowers the available balance whether posted or pending. That means at some point only so much is allowed to go through as long as there is a positive balance not negative and create bigger negative balance due to not following standard practice and laws.
Product: Money transfer, virtual currency, or money service

I brought cash to make certificate of deposit. We counted cash together with bank employee. Then Citizens bank employee/or manager stole {$5000.00} out of the cash given for deposit. They said money counting machine jammed and keep telling me they balanced after. I filed police report. Police waiting for bank to go through their Normal policies and procedures but bank manager clearly irritated and not following up in timely manner. I also saw someone walking out emergency exit while I was waiting for my deposit to be done by bank employee. Also I told them to bring back money when they told me its XXXX less. Money they brought were just XXXX and XXXX bills and where missing large stack of XXXX $ bills I had initially counted with that employee.
Product: Student loan

All 3 are federal loans {$2.00}, XXXX {$3.00}, XXXX {$7.00}, XXXX This is from XXXX XXXX XXXX, this school maked out my loans themselves ( fraudulent ) and they have been notified about this several times and will not work with me even over the pandemic. 
XXXX has had several issues with money, loans etc to the point some schools got shut down. The admissions representatives were being asked to hide documents as well.
Product: Credit reporting

i am in the process of refinancing a mortgage and the bank claims they are unable to get the Experian credit report. i can not get it either ( thru the web site XXXX. no one can answer me what is the problem. even the free XXXX is not available. customer service is a nightmare.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ), please investigate the unverifiable item and delete it immediately in my report : XXXX XXXX XXXX XXXX Open Date XX/XX/2017 Balance : {$0.00}
Product: Checking or savings account

I was hospitalized in XXXX in XXXX XXXX in XXXX during the time when XXXX  I didnt have my property on me or remember who I was and when I got out in XXXX I notice I had credit reports and my debit card was being used in XXXX  and I live in XXXX XXXX XXXXXXXX and during the time the hacker was able to get my phone and wallet with my social and tax all my funds in account which exceed over XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

In XXXX of XXXX through XXXX of XXXX my card which I was receiving my veterans affairs XXXX benefits direct deposit on was stolen or actually the information was stolen off of a cell phone that was stolen from me and I immediately reported it to the cops and I immediately reported it to the bank I filled out all the dispute agreement forms that they requested from me I sent them undeniable proof that these transactions had happened and that I had not committed any of them and no matter how many times I've reached out and tried to contact the bank and resolution to this matter no one will help me no matter what I do.
Product: Credit reporting or other personal consumer reports

on XXXX, i sent all XXXX CRA 's a letter disputing the inaccurate information they are placing on my credit report. They are in violation of 15 usc 1681eb and 15 usc 1681s-2b because i inform them that they are reporting inaccurate information on my credit report. 
they need to update my personal information as well to on my name and my present address, the other information are inaccurate and need to be deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  XXXX of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
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 XXXXXX/XX/XXXX
Product: Debt collection

Account Summary ( # XXXX ) XXXX XXXX XXXX I had a judgement against me with the last writ of execution dating to XX/XX/XXXX for a total of {$5500.00}. I made my final payment on XX/XX/XXXX for a total of {$5200.00}. I received a letter of Acknowledgement of satisfaction of judgement from MCM and the court website shows that the judgement was FULL. I received a 1099-C in the amount {$2800.00} which states that they are trying to wrongfully write off the balance that has already been paid. I spoke with 4 different individuals, and they don't offer transparency on how they came up with the amount and they won't retract the 1099 C. The only amount they are entitled to write off is {$250.00}. I have all documentation on my end to disprove their 1099 C amount. The spreadsheet attached is directly from their website reflecting all fees, credits and payments included on my case
Product: Debt collection

The name was XXXX  XXXX at XXXX and it was changed to XXXX ON XXXX. They were amazing at first. These are considered luxury highly secure high rise loft apartments. However, there were multiple incidents that started happening in the building one being a shooting in the parking garage which damaged many cars one being mine. It was my last month and I was about to move out they wanted me to renew but I didnt want to because of many reasons and situations that occurred between us. I was advised they would compensate me for the damages the same way they did for the others. I asked could they just apply it to my last month payment and allow me to leave debt free. XXXX XXXX advised me to not to pay anything and speak with corporate to have it applied. Weeks went on because XXXX who works in corporate went on vacation ; which brought me into another month. She advised if I moved out she wouldnt charge any fees I would still have to pay {$2500.00} not including the compensation for the damages. They had brought in a new manager who was not aware of what was happening and XXXX did not come to my defense. I moved out but I havent had a job since XXXX  shortly after leaving. They keep changing the collection company name saying I owe double the amount close to {$4000.00}. Even though the court judgment says I had to pay {$2500.00} only because I missed the court date due to work and I had the wrong date. I do not owe this amount and this in injustice especially when Ive been a good tenant. Ive always paid my rent and kept communication. Anytime an agreement was made I kept my end of the bargain but now they are being greedy and trying to bully for whatever reason. I really dont even owe the {$2500.00} but because I missed the court date I wasnt able to show the proof and defend myself. I need help this was my first loft apartment and I feel I have been wronged.
Product: Credit card

XX/XX/year> Saturday @ XXXX Process Server/Third Party Courier on behalf of Portfolio Recovery Associates is seen on XXXX XXXX XXXX harassing me, violating and invading my privacy by standing in the public street in front of my house yelling my name. This is after notifying the company with a Cease-and-Desist Demand letter via email and USPS mail on XX/XX/year> and XX/XX/year>. They are embarrassing me, attempting to intimidate me, and harassing me, and invading my privacy at my place of residence.
Product: Mortgage

After buying a house in Florida, and the loan sold to Freedom. I received a notice in XX/XX/XXXX that the real estate taxes that were supposed to be paid in XX/XX/XXXX weren't paid and the house was going to be put in for a tax sale in XX/XX/XXXX.

There were numerous very heated calls for them to rectify their mistake, and they said they would take it into consideration and would have an answer in 30 days. Well at that point the house would have been in the tax sale.

In order to save the house, I went and paid the tax bill, expecting and telling Freedom Mortgage that they had to reimburse me for the {$4000.00} that I laid out. Now its XX/XX/XXXX, and the account shows that they are only reimbursing me {$1700.00} stating that they escrow analysis which means I am out {$2200.00} that they kept because of their stupidity.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I applied for higher credit limit ( currently {$110.00} ) on my JCPenney card ( Synchrony Bank ) but was denied. When I received the denial letter it had incorrect information by XXXX. 

The letter reflected the date of XX/XX/XXXX with a score of XXXX. My XXXX  score was not XXXX on the date of request XX/XX/XXXX and additionally my XXXX  score on the same date range was/is XXXX. It appears that the creditors and/or XXXX  are deliberately trying to negatively impact scores by not updating their system when the account balances are paid down. 

I have another pending complaint against XXXX  for the same type of issue. 
COMPLAINT ID XXXX