23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/XXXX - XX/XX/XXXX - XXXX XXXX - Policy # : XXXX in effect XX/XX/XXXX - Notice of Service Transfer to PNC Bank XX/XX/XXXX - XXXX XXXX sent non-renewal notice as they have withdrawn from State of XXXX. Extended coverage period offered through XX/XX/XXXX for {$790.00} XX/XX/XXXX - PNC Bank pays {$2300.00} homeowners insurance disbursement from escrow for annual policy. This policy does not exist. 

XX/XX/XXXX - PNC Bank sent Escrow Disclosure Statement with new payment {$1000.00} [ from XXXX ] effective XX/XX/XXXX XX/XX/XXXX - PNC Bank pays {$790.00} homeowners insurance disbursement from escrow for extended coverage. 

XX/XX/XXXX - PNC Bank sent Escrow Disclosure Statement with new payment {$1200.00} [ from XXXX ] effective XX/XX/XXXX XX/XX/XXXX - Contacted PNC Bank explaining that XXXX XXXX has been overpaid {$2300.00} from escrow. Was told it was my responsibility to obtain reimbursement from XXXX. 

XX/XX/XXXX - Contacted XXXX and spoke with XXXX. He acknowledged the {$2300.00} overpayment, and explained it would take XXXX - XXXX weeks to process refund. 

XX/XX/XXXX - Contacted XXXX XXXX agency, who obtained the policy and spoke with XXXX. She reached out to XXXX to escalate refund request, and was also told XXXX - XXXX weeks. 

XX/XX/XXXX - Received call from PNC Bank. I explained about overpayment made by PNC Bank to XXXX for {$2300.00}. Informed they would research and give me callback. 

XX/XX/XXXX - Contacted XXXX about status of refund. Informed it has not yet been processed. 

XX/XX/XXXX - Contacted PNC Bank and spoke with XXXX. Explained once again about overpayment made by PNC Bank to XXXX for {$2300.00}. Stated I would only be remitting payment of {$1000.00}. 

Was informed that partial payments would not be applied to the account, and that to avoid late payment must remit {$1200.00} by the XXXX.
Product: Bank account or service

On XXXX XXXX, 2017 I opened a checking account at BBVA Compass. A few days later they closed the account without warning. I had n't yet used the account other than successfully depositing the required {$25.00} opening deposit. As of XXXX XXXX, 2017, they have yet to return the {$25.00} to me. Despite my three phone calls made to BBVA, they have n't made any attempts to give me back my money or give me an estimate for when I should expect either a mailed check or when I can go into my local branch to have the funds returned to me in person.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I received a copy of my credit report from XXXX, XXXX and Experian. After receiving my report, I noticed that there were inaccuracies on some of my accounts. I sent letters to XXXX, XXXX and Experian on XX/XX/2023 asking them to investigate the accounts and ensure that they are 100 % accurate ( see attached documents for tracking numbers and letters ). XXXX received my letter on XX/XX/2023 at XXXX. XXXX received my letter on XX/XX/2023 at XXXX. Experian received my letter on XX/XX/2023 at XXXX. I received letters back from XXXX and Experian showing that they had completed their investigations into the accounts. I did not receive a letter back from XXXX. I received a new copy of my credit report from XXXX, XXXX and Experian on XX/XX/2023. This is 30 days after my letters were received. Upon looking at my reports, I noticed that there were still inaccuracies. 

On XX/XX/2023 I submitted a complaint to the CFPB about the inaccuracies. Experian Complaint ID is XXXX. XXXX Complaint ID is XXXX. XXXX Complaint ID is XXXX. Experian Responded on XX/XX/2023. XXXX Responded on XX/XX/2023. XXXX Responded on On XX/XX/2023 I pulled new copies of my credit reports AND THERE ARE STILL INACCURACIES. This will be my THIRD TIME trying to resolve these issues. I do not understand why I am being pushed around by the credit bureaus. I do not understand how the credit Bureaus are able to tell me that ALL INFORMATION IS CORRECT, but report completely different information! This is my last time trying to resolve this issue before seeking financial compensation FOR EACH INACCURACY. 

According to the FCRA a credit reporting agency 's role in a dispute is to review accuracy and completeness of any disputed item. PLEASE EXPLAIN WHY THERE ARE STILL INACCURACIES BEING REPORTED IF YOU ACTUALLY REVIEWED MY DISPUTE! 

On Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX and Account Name : XXXX Fin Fka Sc Telco Account Number : XXXX, everything is wrong! This one really takes the cake you guys. Please don't make me dispute this again. Look at it. You know you are wrong and it is really insulting to tell me that it is accurate. Give me a break. First the same account is being reported as XXXX completely different accounts. XXXX, you barely have no information at all. Experian, you have some more information, but its all completely different than what XXXX has. If you do nothing to resolve this, I'm going to know that your dispute investigations are bogus and I'm getting a lawyer because this is ridiculous. LOOK AT IT AND TELL ME IT '' S NOT INACCURATE!
Product: Credit reporting or other personal consumer reports

Please check the information concerning the XXXX data breach breach below in attachments
Product: Payday loan, title loan, personal loan, or advance loan

I was in a position that I had to take a loan with Spotloan due to unseen circumstances regarding my employment and I could not get a loan anywhere else. They were great for that, however I lost my employment over a period of 18 months without financial assistance from anyone else or unemployment benefits ( due a 2020 over payment ) as they denied my claim. I got cut off from everyone in my life due to my lifestyle as a XXXX XXXX and my unfortunate circumstances regarding employment as they felt it was the same pattern over and over. In addition, I lost my car and my home. I explained to them that I was unable to pay anything back even {$5.00}, they still did not care, I gave them several chances to make this right and forgive the debt as I do not have $ XXXX to pay towards anything and that my future income as well my current income which {$0.00} would not allow any further debt repayment to them. THIS THEIR LAST CHANCE BEFORE COURT!!!
Product: Debt collection

On the date of XX/XX/year> A utility bill of {$820.00}. was accounted on my account. I had no prior knowledge to this bill. Someone used my information in another state to use utilities. As current to date that bill is still on my account and has been sent to a collection agency and need help removing this charge immediately.
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 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. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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: Checking or savings account

On XX/XX/XXXX at XXXX a new US Bank Gold Checking Account was opened online in my name. I did not open this account. I was notified by email from US Bank about this account being opened. The account was opened and {$25.00} was deposited from XXXX XXXX. It appeared that my profile was also changed. My email address was changed to use XXXX and my address was changed to my old address. I called US Bank at XXXX that same day. I was routed to the Fraud Liaison department. They put a Hard Hold on the checking account. Later in a subsequent call my online access was XXXX. I have had difficulty getting further information about what happened. I'm attributing that to the fact that it was a holiday weekend. Today, XX/XX/XXXX, I put a lock on my XXXX  account and freezes on my XXXX and XXXX  accounts. I spoke with Fraud Liaison again today. All steps to switch account numbers, etc. were started. The case number with the Fraud Department at US Bank is # XXXX.
Product: Mortgage

I feel that they should lower the rate to at least the current market rate at this time. Also take my home from under water and put me in a more affordable loan that I can pay monthly an not struggle to pay I have had to file an BK due to not being offered an decision for modification.
Product: Credit reporting or other personal consumer reports

There is an account currently at {$23000.00} I have asked for the account to be validated but the company only sends me only a bill for the company of damages
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. and they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax these accounts. 

Accounts : Inquiries : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX Mark : XXXX XXXXXXXX XXXX XXXX Balance : {$1200.00} Installment account : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$5000.00}
Product: Student loan

I am co-signer on student loans in my son 's name at LendKey. Last Friday, XXXX XXXX, I received a message from LendKey and returned the call after checking the status of the loans at the LendKey site on-line. The party answering was also on the loan screen at the same LendKey site, but his information did not match mine as my screen showed XXXX past due loans ( 43 days and 10 days ) while the LendKey representative indicated the same XXXX loans on his screen were each 11 days past due. At any rate, upon my request the LendKey rep indicated that the total amount past due on both loans was less than {$100.00} at which point I offered to immediately bring both loans current by debiting or by means of ACH from my checking account. He said that was not possible even though I was the co-borrower/co-signer unless I would agree to allow my checking account to become the new auto debit source for future payments. I would not agree to this and upon questioning the practice of LendKey calling me and then refusing to accept payment, the LendKey rep said " the Company is working on that ''. Next, I received a letter on XXXX XXXX from LendKey dated XXXX XXXX ( the day before the telephone call ) and it indicates only XXXX of the XXXX loans in past due status and only past due for XXXX cents!. This was XXXX of the XXXX loans referred to as past due on the call on the XXXX, but is again a different past due amount. LendKey has called us in the past and we have tried to work with them, but none of the information regarding past due amounts, dates of payments and resolution on the phone ever match with what is reported at the LendKey site. This is extremely frustrating and likely to ruin my excellent credit score, plus it is a nuisance.
Product: Checking or savings account

I recently opened an account with CIT BANK on XX/XX/23. I made 4 transactions on the account and then was promptly locked out of my account. I called costumer service and found out that my account was " under review '' and I was not allowed to access the account. When I asked the nature of this review, I was told that they did not know and that there was no one I could contact. I was told that a review board would render a decision ony account and it would take up to 90 days XXXX do so. 
I was not informed of what kind of issues concerning my account could lead to the review. I have been given no contact number to the review board. CIT Bank has my money, won't allow me to access that money, and will not even explain why.
Product: Credit card or prepaid card

On XXXX XXXX. 2022, I called XXXX XXXX support because of a problem with my computer. The first agent said he needed to transfer me to another agent. The second agent worked on my computer remotely and said I needed a XXXX upgrade which cost {$290.00} which was good for 2 years and then I would have to pay again. I gave him my PNC Bank credit card info for the service. I went into my account and noticed a {$300.00} charge to XXXX and 2- {$100.00} XXXX XXXX cards which I didn't recognize. I was having the same problem with my computer so I called XXXX XXXX and told them my computer wasn't fixed and told him about what had happened previously. He said that my XXXX XXXX XXXX with XXXX XXXX covered their services and I should not have been charged and he fixed my computer. I then called PNC and told them to cancel my card and issue a new one and told them about the fraudulent charges. PNC went back and forth on relieving me of responsibility for the charges. At first they took off the 2- {$100.00} charges, but not the {$300.00} charge. I called them and and got them to take off the {$300.00} charge. Then it showed back up on my next statement and I called again. They said it was under review and they would contact me. They sent a letter saying that they weren't going to relieve me of responsibility of the {$300.00} charge. They said they needed more evidence. I had made a report about the fraud to XXXX XXXX the day after when I called about my computer not being repaired. Since that time, I have called XXXX XXXX approximately a dozen or more times trying to get the report or have them take responsibility and no one will send me the report that they took or let me speak to anyone about fraud. I have also went to XXXX XXXX 's online forum and got similar responses. No one will accept responsibility. I would like PNC Bank to be held responsible for fraudulent charges to their bank cards.
Product: Credit reporting or other personal consumer reports

I have always maintained an impeccable payment record with the XXXX XXXX XXXX XXXX with all my payments set up on Autopay. This reported late payment is due to a system error on their part during payment processing. 

This billing error by the company does not reflect my payment history and violates USC Code 1681eb. This mistake has severely impacted my reputation, character, lifestyle, and my family.

I insist that the late payment listed in the MONTHS REPORTING LATE be removed immediately.

The company is not complying with 15 USC 1666b, which outlines the standards for treating a payment as late. They incorrectly reported my payment as late without following the law.

15 USC 1666b ( a ) specifies that a creditor can not consider a payment late unless reasonable procedures ensure that the periodic statement, with required information per section 1637 ( b ), is mailed or delivered to the consumer at least 21 days before the payment due date.

The company failed to send the periodic statement and disclosures as required by section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the due date in good faith under rule 1002, but it has never been provided.

This situation is unfair, illegal, fraudulent, and unjust to me as a consumer.

I demand the removal of the late payments from my consumer reports.
Product: Payday loan, title loan, or personal loan

I moved and when I moved I closed the account payments had been drawn on. When the XXXX payment did not go through because Mobiloans had not changed the account, I paid from my new bank account. I told them when it was paid that this was the reason. In XXXX they were still trying to debit the old account and not registering payment. I sent them a check for what the last two payments had been with a note stating that this was the account they needed to draw the payments from and asking them in writing to please change to this account. Since XXXX XXXX, they have been calling multiple times a day every business day. At first I would not answer and within a few days blocked the number on my phone. Now they are leaving messages with nothing but background noise ( XXXX, XXXX, XXXX, XXXX, and XXXX ). If they ca n't use some common sense and change the account and if they refuse to stop calling and leaving blank messages, then I refuse to pay any more on this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested proof of the debt within 30 days and received no response and in addition the alleged debt is over 10 years old and they failed to remove the items from my credit report even though my wages has been garnished for over 10 years and no missed garnishments. THIS IS FRAUD
Product: Checking or savings account

I filed a dispute with Wells Fargo Bank in regards to multiple unauthorized charges by ex boyfriend who maliciously stole all my bank information to pay for car insurance and car payments with out my knowledge I have been getting nothing but the run around by this bank institution. Might I add this mans name was not on my account and we are not married. When I closed the account they charged me XXXX dollars to close my account for fraudulent transactions made by ex boyfriend.
Product: Debt collection

1 ) Navient has called me every day or multiple times per day for an extended period ( months? a year? ) 2 ) I do n't owe anything to Navient. I have no debt, and have never had any debt, serviced by Navient.
3 ) Navient 's calls are automated and I can not speak to anyone on them.
4 ) Attempting to call Navient back results in a " our office is closed '' message. This is seconds after I receive the call, which means they are autodialling me when they do n't even have the base decency of having staff on hand.
Product: Credit card or prepaid card

I received an invitation offer from the Citi Thank you Preferred credit card introducing a new feature called The Citi Flex Loan which allows you to access funds from your existing credit line with a fixed APR and choice of payment terms. On one of the documents is listed that your Citi Flex Loan offer APR is 7.99 %, finding this APR rate attractive I applied for the Flex Loan and was approved. My bank account was funded with the requested amount and several days later I received documents relating to my card agreement which informed me that a new APR percentage rate was now assigned to the loan which takes effect XX/XX/2019 and which is double the offer APR of 7.99 % as advertised. After reviewing the terms and conditions of the offer I could not reveal any language in the documents that informed me that the APR percentage rate would and could change based on their discretion. I believe that the Citi Thank you Preferred credit card engaged in misleading advertising regarding the promotional APR percentage rate, offering an attractive low rate and then after approving my loan set that fixed rate at 15.24 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$230.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Print complaint CLOSED Submitted STATUS Submitted to the CFPB on XX/XX/XXXX PRODUCT Mortgage ISSUE Problem with a credit reporting company 's investigation into an existing problem We received your complaint. Thank you. 

We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT My loan was transferred over Ive been a dispute with them shellpoint Mortgage loan number XXXX the month for XX/XX/XXXX My previous mortgage company XXXX Reported I did not pay XX/XX/XXXX I have sent documentation over to them several times now it is reporting on my credit report That I havent made a payment since XXXX XXXX and XXXX and XXXX this incorrect reporting it has dropped my score 127 point I am send documentation of payment history I was getting ready to purchase a home loan ATTACHMENTS XXXX ( 1.4 MB ) I have never respond to this complaint New complaint XX/XX/XXXX Shellpoint reported on my credit report that I was late reference back to complaint XXXX XXXX drop my points 127 in the process of me purchasing a home due Shellpoint I lost money {$40000.00} I was purchasing house on XX/XX/XXXX I was not able to purchase because my score had Dropped Also Shellpoint attempt to fix my credit over 3 time ask of today XX/XX/XXXX they have not fixed it what they did do is remove them self from my credit report of 30 years of history Show that I never had a lone and pay the property at XXXX XXXX XXXX XXXX XXXX TN XXXX off. Shellpoit Shellpoit bought this paper from XXXX That went into bankruptcy XXXX sent me a letter stating. That this loan should never have came over to them I am requesting {$40000.00} for the property that was lose due Shellpoint Repo incorrect on my report results and dropping my score. Then they removed his self all together for my report refused to give me the credit due to me for the years I have paid the mortgage never respond to any of my requests I am requesting that they replace Shellpoint back on my credit report show paid in full Of 30 years Paid as agreed And to be reimbursed {$40000.00} contract attached XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The following accounts are all fraudulent and not my accounts : XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX and The XXXX XXXX XXXX. I been receiving harassing and threatening telephone calls between the hours of XXXX XXXX. and XXXX XXXX of harassment, abuse, misleading statements and threats of being sent to jail or prison from the above creditors Debt Collection representatives in regards to the fraudulent accounts. The above creditors are in violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal and State laws.
Product: Credit reporting or other personal consumer reports

I am seeking your help to address the incorrect account listed on my credit report. This issue has negatively impacted my reputation, and I require your support. Due to your errors in handling my credit report, my reputation has been severely harmed. It is crucial that you remove these inaccuracies so I can live normally with my family.