23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My home equity FHA mortgage loan is through PNC Bank. I've been being harassed and threatened to have penalties and fees for payments I can not afford at this time. I've been trying to apply for the forbearance due to me having no job, and family members that have passed away due to covid. This national pandemic has taken a toll on my income and family. Under the CARES ACT I'm suppose to be protected and able to apply for a pause on my mortgage. PNC bank however, is denying me the right, when I ask for the forbearance they inform me of only having a loan modification program and hardship program available which both requires approval and can take over 30 days, it also requires a 17 page form to fill out with copies of my bank account funds. Many of PNC bank members are having the same issues with PNC denying them the right to apply for forbearance. PNC Bank is making it really difficult for myself and others through these difficult unforeseen times. I need help, and would like to file a complaint against PNC bank for not abiding by the Cares Act law. They are threatening to have me homeless and are causing me emotional stress.
Product: Credit reporting or other personal consumer reports

Please delete all fraudulent accounts off my credit profile from Experian, XXXX XXXX and XXXX immediately. 

XXXX XXXX XXXX XXXX 2021 {$4200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

CB/XXXX  is reporting a few late payments on my credit file. These lates are for the months of XX/XX/20, XX/XX/20, XX/XX/20. Since the beginning of the pandemic i was out of work and on unemployment. I struggled to make ends meet for a few months and then i lost control of everything. I had now started working again and have been able to make my payments on time. The pandemic has been hard as is and getting COVID made it 10 times worse. I am pleading that you remove these lates from my credit file. I am trying to obtain financing and these lates are affecting me. It was out of my control to make those payments as i was on unemployment and still had to provide for my family.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX XXXX XXXX  as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Vehicle loan or lease

Santander has overcharged me fees on my loan. Charged me fees to pay for my loan online. When I filed a motion to the court under bankruptcy protection they provided a contract that did not belong to me and tila disclosure I did not sign. When we were to go to the hearing to object on the issue they repossessed my vehicle illegally with unlicensed agent in an unmarked vehicle the night before the hearing so I could not show up to the hearing. A violation of any law no matter how minimal eliminates the right to self-help repossession. I believe GAP coverage was added without my consent and authorization. Santander charged me a high-interest loan over what is allowed by law. Several states have already settled lawsuits on the same matters I have mentioned here. I am requesting that the matter be settled here and my vehicle returned my outstanding loan paid off as part of a mutual agreement. The vehicle has already been charged off. I will seek a class action and contact the attorney general to further address these issues and write a formal complaint if my situation is not rectified immediately. I will contact any and all state and federal regulators to further investigate the facts I have presented here.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an bankruptcy reported on my credit report that does not belong to me. 

US BANKRUPTCY COURT-XXXX  XXXX Reference Number : XXXX I previously wrote you to investigate and verify this bankruptcy listed on my credit report, which you responded to as being verified with the bankruptcy court. I know that this bankruptcy should not be on my credit report, so I decided to contact the courthouse myself. The court informed me that they do not show any record of a bankruptcy filed under my name and identification information. Further, the court does not provide anyone with a debtors full social security number, and they do not provide ANY credit bureau ANY information relating to any bankruptcy cases. It is quite clear that someone from Equifax lied about verifying this bankruptcy with the courthouse. That is a violation of the Fair Credit Reporting Act ( FCRA ). 

As you know, it is also a violation of the FCRA to report this type of erroneous information on a credit report. Thus, I demand that you IMMEDIATELY REMOVE the following bankruptcy from my credit report : I have filed a police report and have provided the police report to Equifax and a copy of my drivers license and utility bill. 

Thank you
Product: Credit reporting or other personal consumer reports

When I reviewed again my credit report, I discovered that some of the information was still erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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
Product: Debt collection

I, XXXX XXXX, am filing this complaint because there is a debt collection company by the name of CREDIT MANAGEMENT LP who placed an alleged debt on my consumer reports without notifying me. I have not received any disclosures, communication, or information regarding this debt. The alleged debt has been parked on my consumer reports and is now damaging my reputation per 15 USC 1692d ( 1 ). This company violated my Privacy rights per 5 USC 552a. I have no documentation from this company proving that the alleged debt belongs to me. Placing debt on someone's consumer report without notifying them or validating the debt is a violation of 15 USC 1681B and 18 USC 1001 which is potentially fraud. I, XXXX XXXX, am aware that this company has had multiple lawsuits of unfair practices violating the FDCPA in the past ( XXXX XXXX CREDIT MANAGEMENT LP ). This is an untrustworthy company. This debt collection company also has been furnishing multiple collection notations " C '' every single month since this alleged account was place on my consumer reports. This is misleading, deceptive, and abusive behavior. This is another violation per 15 USC 1681s-2 ( a ). The FDCPA states that debt collectors are liable per 15 USC 1692K whenever the violate consumer 's federally protected rights leaving them vulnerable to legal action being taken against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I request to day the removal of some information in my credit report, the items I am disputing today is erroneous and it the are not accurate they should be removed immediately. 

Kindly remove these items immediately : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have disputed this same account with EXPERIAN since XXXX. I requested in writing an investigation into an account reporting to my credit report by XXXX XXXX.My initial dispute was responded with " account verified '' .My next request was a " method of verification '' used to validate said account.It was never received.Iv'e sent EXPERIAN a plethora XXXX letters requesting to update/correct my credit report due to inaccuracies.EXPERIAN to date has not and continues to report inaccurate and incomplete information on my credit report which violates 15 U.S.S. 1681eb-Maximum accuracy.The account with XXXX XXXX  was never verified and continues to update each month and it's charged off.According to the IRS publication a charge off is debt forgiveness an considered ordinary income.Income is not reported to a consumer 's credit report, Therefore the charge off should be deleted immediately.15 U.S.C. 1881e compliance procedures states ( b ) accuracy of report-Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable ; e procedures to assure maximum possible accuracy of information concerning the individual about whom the report relates. I have attached letters, certified mail with return receipts as proof of my disputes with EXPERIAN.I have also attached different credit reports detailing the inaccuracies to include : charge off continues to update each month, discrepancies in last reported date, date last active, date of last payment, date last reported, and date past due.These are ALL FCRA violations and EXPERIAN has exhibited willful negligence by not investigating this account with XXXX XXXX  properly and deleting it from my credit file after 30 days of a failed investigation.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in 60 days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports 8
Product: Credit reporting or other personal consumer reports

I recently filed a dispute on the account associated with account # XXXX and Experian responded saying it is accurate. I have reason to believe this investigation wasnt done properly. ( Attached is a legal letter from the Bankruptcy court clearly stating that they do not report to any credit reporting agencies. ) So, I want to know where did they get this false information from and they never responded. Experian is the only credit reporting agency reporting this false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm victim of Identity Theft and I have been filed Police Report and Identity Theft Report to FTC, please see a copy of attached documents to support my claim. 
Transunion is only the one Credit Bureau who has reported this negative account on my credit history. 
I also took another step and filed complaint to Attorney General. 
This account need to be removed from my report immediately : XXXX  XXXX
Product: Debt collection

On XXXX/XXXX/XXXX, a robocall was left on my voicemail - stating that there was a message for xx and given claim # XXXX. I returned the call. I was told I was in Breach of Contract for a payday loan taken out on XXXX/XXXX/XXXX from XXXX XXXX, and I owed {$500.00}. When I asked for a mailing address for the debtor, I was told they could not provide that for their own security. They said they could email me information only. They provided a fax XXXX Attn : Arbitration. They stated that if I did not pay on the debt via credit card, would go to jail and I better get a " good lawyer. '' They had my last XXXX of my social. They are leaving these messages on my cell phone and sister, husband, mother and brothers phone. They do not have a legitimate company -- internet research is showing this is a scammer number. I do not have any outstanding payday loans - nor have I taken any payday loans in XXXX. These company is operating as a bogus debt collector and will only accept payment via electronic means. They will not provide a mailing address. I have called multiple times and they yell, threaten with jail time and that they will see me in court, and then hang up. They will not give you any verification of alleged debt, will not provide you anything via mail
Product: Credit reporting or other personal consumer reports

For 24 months I keep disputing items personally and with the CFPB The company constantly Removes the disputed items then within a few days reinsert the items back into my credit report.

In other words they claim to fix or delete the disputed items when I report to the CFPB. But later reinsert them back into my credit file as if the account is new.

They have even reage and changed information in each disputed accounts.

See example attached
Product: Credit card or prepaid card

On the XXXX of XXXX, I had a conversation with the creditor and then six days later they reduced my credit line which is unfair, deceptive, and a violation of the equal credit opportunity act. This reduction is rooted in XXXX discrimination and national origin. They explicitly used race as assessing risk. This is the second time this creditor reduced my credit line due to race. I had a second credit card and when I made a payment of XXXX dollars they reduced my credit line the very next day which was a substantial injury to my financial well-being. This is a hardship that the creditor imposed on me due to my race.
Product: Credit reporting or other personal consumer reports

Never provided evidence never comply with instructions when presented with laws to prevent misconduct ignores identity theft reports and police reports XXXX right to block fraudulent information 90 day or more of violations causing unnecessary damage to my life and ability to obtaining credit to pay my needs
Product: Checking or savings account

1 ) My check of Wells Fargo bank was stolen and altered payee and cashed at XXXXXXXX XXXX XXXX XXXX XXXXXXXX. per police and FBI report. At XXXX XXXX branch manager XXXX XXXX and Claim dept XXXX both are waiting WF bank contact to negotiate my loss of {$30000.00} dd XX/XX/22. After my repeated claims of numerous times since XXXXnow WF bank all they did was sending a letter to deny of 30days wasn't met per deposit agreement which I was not aware and not received when i opened an account. I got one 13 yrs ago for original account was opened with 60days clause after statement was received.

2 ) Bank stopped sending my paper statements 2 yrs ago and I repeated claimed at the branch many times which some of tellers and officer recognized. I also called several times to claim at customer service and all told me my account is online and paper statement. I don't do online I am over XXXX XXXX old and very scared and poor with online. 
To get paper statement is my right and without it I couldn't discover the unauthorized transaction. No one else touch my account except me and I live very safe area with same address 20 yrs. I am home most of times with mail arrive. Customer service told me there are lots of complain for the missing paper statement like me.They also said WF bank recommend to customer to use online but I like only paper statement repeatly claimed. 
3 ) Bank denies to help me at the branch and claim/Executive office both just turned me down with the same 30days clause. 
4 ) Without any calls/text/emails for unusual transaction of large amount was very bad service. My checks only 3 and 2 others were only {$120.00} & XXXX XXXX this is my pattern. 
5 ) WF XXXX XXXX br teller told me the check was clear and not to worry on XXXX XXXX This leaded to make me believe the check was paid no problem.
Product: Payday loan, title loan, or personal loan

I applied for their rideshare employed payday advance loan. I was approved for XXXX yesterday XX/XX/2022 and opted to also pay XXXX to expitite the process and be funded immediately. I was approved and routed to a webpage that said to text ( XXXX ) XXXX to schedule a funding call which I immediately thought odd but I texted it at XXXX am XX/XX/2022 and they responded that a team member would call me during business hours but that they had a high volume of funding requests and it would be hours before someone would call. Nobody called but as I noticed the texts weren't automated responses so I decided to send another testing that theory this morning XX/XX/2022 stating that I am still waiting on a call and also asked as there a number that I could call. It's emergency funding ... approved yesterday soooooo I made it known that I would rather not wait days and days and would prefer to call ; as I should be allowed to call any real financial establishment and stated that it sounded fraudulent. Whomever is texting back on that phone number with all of my banking and personal info responded back that since I was asking these type of questions and seemed dissatisfied that they were canceling my application instead of calling me. I waited 10 minutes and checked the website again and my application is still pending that phone call. Something about this financial company is not right, This doesn't seem to follow any of the federally mandated guidelines or process for these kind of loans. I have a screenshot of the texted conversation and a screenshot taken just as I type this of my account page on their website.
Product: Debt collection

Mrs BPO LLC contacted me about a debt that i did not recognize and has put a collection on my account that does not belong to me. When contacted the original creditor they stated they did not even recognize the company as a collector and there was no balance in the system for me or past due bills. When advising BPO this could affect me negativity on my credit report they advised me that they will not be updating the system until they are notified by the original creditor. This is really a mistake on both of the companies parts and seems to be a bit scammy to me. They had no interest in the emails sent to me from the original creditor stating i owed them nothing.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with their recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have consistently reported fraud on my credit regarding several accounts. After countless times, XXXX deleted the numerous accounts due fraudulent/inaccurate information. I called both XXXX and XXXX and explained XXXX removed the accounts and I needed to get the steps to remove it on the reports as well. They explained they investigated the same information and it was reported accurately. At this time I need the accounts removed because it has tarnished my credit for years. I have proof of XXXX removing the accounts and asked XXXX and XXXX  if I could send it in. However the request was turned down. Can you please investigate this so I can get my credit in order? Thank you
Product: Credit card or prepaid card

American Express sent me a credit card which I never applied for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to call and reach out to experian, XXXX, and Transunion and even send letters requesting an investigation of the following inaccurate accounts reporting on my credit report 30+ days ago. I am really upset because the credit bureaus claimed that they have completed a reasonable investigation with the furnisher of the account and verified 100 % that the accounts listed below are accurate. However the accounts are continuing to report errors on my credit profile, which is causing damage to my credit score and history which is unacceptable. 
Account name / numbers. 

XXXX XXXXXXXX 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
Product: Debt collection

On XX/XX/2024, XXXX XXXX XXXX and XXXX XXXX XXXX communicated to Select Portfolio Servicing, XXXX ( SPS ) that the property was transferred into a XXXX. SPS responded that they received the request and will review. 30 days later, SPS then requested another 30 days to review the information. The 30 days has passed ; After which there has been no communication from SPS regarding the property transfer into the XXXX. 

However, SPS has sent a status to XXXX and XXXX that Foreclosure proceedings have started ; further diminishing the capacity for XXXX XXXX XXXX and XXXX XXXX XXXX to obtain credit. 

XXXX XXXX XXXX and XXXX XXXX XXXX is not aware of any Foreclosure proceedings as this mortgage account is still in dispute with the account owner XXXX XXXX and validation of debt with Select Portfolio Servicing, XXXX ( SPS ). which is evident in recent communications with XXXX XXXX and the attorney that SPS has illegally referred the mortgage account to.