23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I continue to face financial difficulties and struggle to get ahead as a direct result of PNCs actions when I requested their assistance after suffering several setbacks. They forced me to file bankruptcy to save my home from foreclosure and although I was doing what they asked and following their instructions to request hardship assistance they were working behind my back to move forward with foreclosure. They have denied any wrong doing and claim their actions were because I failed to complete the required trial period payments. That is a lie that PNC has told multiple times over the last few years. The bankruptcy trustee stated, under threat of perjury, that he submitted all three trial period payments as required. He stated the first two payments Were accepted but the third and final payment was returned to him. Along with the returned check was a letter citing the payment was being returned because the motion for relief from stay has been granted and requested that no additional funds be sent. So they went back on the agreement and essentially revoked the modification that I had already been qualified and approved for. They went on to successfully motion for the dismissal of my bankruptcy. That is the reason for my complaint today. Since XX/XX/XXXX I have been fighting a garnishment that stems from a XXXX medical bill, that was never submitted to my insurance company for payment, that resulted in a default judgment being awarded in XXXX to XXXX XXXX XXXX. This debt was listed in the bankruptcy I filed in XXXX and would have been discharged if not for PNCs dishonest and illegal actions. I have been a full time paid caregiver for my severely disabled adult son since XXXX. My wages are qualified XXXX waiver payments, and are not reported as income by the consumer directed employer. According to ( 42 U.S.C. 1396a ( a ) ( 32 ) and 42 C.F.R. 447.10 ) as well as Washington State law ( Wash. Rev. Code 74.08.210 ) these funds are exempt from garnishment and that was true until XXXX but for some reason XXXX dont understand they are now being allowed to garnish those funds. I contacted PNC in XXXX of XXXX asking for assistance with my mortgage and was mislead every step of the way since. The amount of money and time Ive lost directly related to PNCs actions and ongoing deception is hard if not impossible to quantify. They may continue to deny their actions and role in my financial situation but I will continue searching for answers and holding them accountable for their actions. I have a not yet filed motion that I had prepared along with several pieces of evidence I would like to submit for review.
Product: Credit card or prepaid card

I have not supplied proof under the doctrine of estoppel by silence, engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume no proof of the alleged debt, therefore any such debt, in fact exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking to check my TransUnion credit profile after my other profiles do not show my XXXX XXXX. I made an account, inputing my credit card information, assuming it was a verification that I was who I say I am, like many credit sites ask. I was immediately billed {$25.00} and emailed an Order Confirmation, without ever being told I was buying a product or the price of the product. This is predatory behavior, and I want my money back. I immediately cancelled my " subscription. '' TransUnion should be fined for billing people without their consent. Regardless of fine print, they should be clear with how they are using your information, which, in this case, was my credit card information to bill me for a subscription. The fact that the cancellation process included a reason for " I did not know I was being billed '' is evidence enough.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed a copy of my credit ( XXXX, XXXX and Trans Union ) report and i noticed the following late payments. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Your company is in clear violation of the law.15 U.S. Code 1681s2 - permissable purpose of consumer report, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates, Did i give you written instructions to furnish this account on my credit report?

Furthermore, the FAIR REPORTING ACT15 U.S. Code 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer report clearly states : ( 2 ) EXCLUSIONS, - Except as provided in paragraph ( 3 ), the term 'consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transaction or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation15 U.S. Code 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax remains in violation of 15 U.S.C. 1681g. The information concerning the XXXX XXXX  also known as XXXX XXXX XXXX account as " XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : ADDITIONAL INFORMATION '' is reporting as inaccurate, false, and incorrect. 1 ) Statute violation : Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 6 ). XXXXXXXX XXXX does not appear anywhere on my credit report as a creditor, original creditor, default, charge-off, or past due. There is no contractual agreement between myself and XXXXXXXX XXXX  currently existing to support any past due amount owed for Collections. 2 ) Statute violation : FCRA Section 611 ( a ) ( 1 ). XXXX XXXX failed to contact me to notify me that XXXX  XXXX  turned over an account to collections before reporting this information on my credit report. 3 ) Violation of FDCPA Section 809 ( a ). The XXXX XXXX account should be deleted from my consumer credit report for lack of verification, no previous creditor relationship, reporting of inaccurate information, and failure to notify. 4 ) Statute violation : 15 U.S.C. 1692g. I hereby dispute XXXX  XXXX  as my original creditor. There is no contractual agreement between myself and XXXX  XXXX  currently existing to support any past due amount owed for Collections. All information reported on my credit report must be accurate and up-to-date or immediately deleted. This is a demand to immediately delete all inaccurate, false, and incorrect information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to TransUnion about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the account completely from my credit reports : XXXX XXXX* Balance : {$0.00}
Product: Checking or savings account

BVVA Compass bank was running a promotion that if you opened a checking account with direct deposit you would get a {$200.00} dollar deposit into your account some time in XXXX XXXX well because I was a member with a credit card account and already had online access I went online and opened a checking account and set up direct deposit. I later came to find out that because I failed to open the account on a specific web address with a specific code I did not qualify for the {$200.00} promotion amount. I am sure that I am not the only person that already had an ongoing relationship with BBVA that has also been denied the promo amount. The mailer ad made no clear difference to folks opening new checking accounts and people like myself that already had online accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

had a vehicle through Prestige Financial services. It was repossessed back in XX/XX/2011.I tried to fight the company in court because they knew the engine had been bunked when we first purchased it.Fast forward I got a garnishment. The whole time that I have had this garnishment this debt has been reported on my credit report as late. how is that when it automatically comes out of my check twice a month.
Product: Checking or savings account

I made an over the counter check deposit on XX/XX/23. My receipt and the teller stated that funds would be available the next day. The FAQs on the website also state that any holds placed on a deposit would be stated on receipt. My receipt said no such date of any hold only a credit that would be available XX/XX/23. This check is from the XXXX, upon speaking with BOA reps I was told that XXXX is standard check cashing policy. My mobile app says XXXX. I am late on several payments, and services have been disconnected. I could not eat lunch, while working to build a highway out of town. I have been embarrassed by multiple decline messages. I was unable to cash my paycheck due to insufficient funds. My mobile app is showing my check deposit as a negative. I have had to take out loans to buy my children school clothes etc., which has caused a breakup between myself and significant other. Multiple fees and amounts have been taken from account in the past. I have the bank statements to show where I was scammed and reported it before any transaction and BOA let someone in my account and made me pay for it. Help me please, and Thank you in advance.
Product: Money transfer, virtual currency, or money service

My banks phone number was spoofed, and a scammer called me acting like my bank to gain information about my account. They retrieved information by claiming to be the fraud department. They took my information and wired themselves {$9800.00}. After investigation, my bank only partially refunded me my money and when I called about the remaining money that was owed to me, I was told that I was not going to get my refund because it was my responsibility for the wire transfer. I asked to put the case under re-review and it came back that it was still not deemed as fraud. I have the phone number that the scammers used to scam me.. to add that the scammers also ported my phone so that every call or text message that I received was sent to their phone. Again, I have the number that was used, It is recorded by my bank that it did look like someone from USAA called me but did not leave any notes about the call which goes against protocol. Even the representative said that it was odd that there werent any notes about the call, so they deemed it as a scam call and labeled it as a phishing call. This has been going on for almost two weeks and I have not been given a direct answer as to why the fraud department clarified it something that was not fraudulent.
Product: Debt collection

XXXX XXXX XXXX leased XXXX VIN XXXX, a lemon,  towed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and towed once more on its turn in date of XX/XX/XXXX. XXXX XXXX, GM of XXXX XXXX XXXX, stated on he would not take the car back due to its history when I sought leasing a new XXXX & therefore, a termination fee of {$350.00} for not obtaining a new XXXX with his dealership should not be charged to me as Mr. XXXX denied me the opportunity to seek a new lease with his dealership. Additionally, out of pocket costs to have this car towed to the dealer via XXXX exceed {$350.00} ( I have the XXXX paperwork confirming 3 tows on : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and the {$350.00} tire cost fee assessed by XXXX XXXX XXXX is not warranted and is disputable as the vehicle was inspected by a 3rd party, XXXX XXXX XXXX XXXX in XXXX XXXX ( which is where it was towed from on XX/XX/XXXX ) and no tire replacement was found necessary. XXXX XXXX sold this debt incorrectly and unfairly to XXXX and XXXX XXXX unfairly created these inaccurate debts for a car that is a lemon.
Product: Mortgage

I applied for mortgage assistance with PHH my new company which really is still Ocwen just changed the name. I was turned down. While I am not asking for the loan for a modification per say. What I am asking for since I have a balloon payment due to them to pay off the entire mortgage on XX/XX/2020 I wanted the past due which when I asked was 3 months to be added to that balance so I can start paying form the next new month fresh which allows me to refinance and pay off my balloon and get a fresh start. 
There was no help offered. I want to stay in my home. I know that I have had modifications reticently but things have changed for me for the better so this is the best way to do this. And I want to do this before all the added costs of a sheriff sale start. 
But once again they offered no help.
Product: Checking or savings account

Opened A new virtual wallet account a month or two ago and erroneously transferred money from the reserve checking into the spend checking And then the automatic system did it again which while I didnt incur a fee originally every day that its been negative it has it now the fees are totaling over {$100.00} I have to wait till we get paid again on Friday XX/XX/XXXX make that reserve current and not negative
Product: Checking or savings account

On XX/XX/2022 I received 2 unsolicited debit XXXX cards from TB Bank. I contacted customer service thru the 888 # listed to activate card and spoke with XXXX to let him know I never applied for these accounts and wanted them cancelled. XXXX wanted my SS # which I will not release. I did give him the 16 digit card number on one of the cards and he stated that this needed forwarded to someone else and they would contact me back in 3 to 5 days. On Friday I received insufficient funds notices on 2 accounts. As of Monday, XX/XX/XXXX I received 3 separate large envelopes containing checks for 3 separate checking accounts. In asking around, I also found that I am not the only one receiving these mailings, cards and checks and notices. The customer service line is XXXX and is basically useless. Reporting this since I do not want any fraudulent activity on my accounts. I have already talked to my personal bank and they are on alert for any unusual activity but this TD Bank needs stopped. My father-in-law receiving the same stuff in mail. STOP TD BANK
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I mailed certified letters to each credit bureau and confirmation that the bureaus received the dispute letters on XX/XX/XXXX. I was not notified after 30 days there was no correspondence at all from the bureaus. I then sent several more follow up dispute letters on XX/XX/XXXX again there is no update. I am within my rights which has been violated. I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not complaint and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes. As you are aware Federal Law requires you to respond within 30 business day, it has now been over that period since the receipt of my dispute letters. Failure to comply with the Federal Regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC, XXXX, & CFPB. Please be advised that this is my THIRD WRITTEN REQUEST after the initial 30 business you've FAILED to respond. The unverified items listed below remain on my credit report in violation of FEDERAL LAW. I am prepared to take legal action. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct, NOT JUST BY A COLLECTION AGENCY OR COMPANIES STANDARD, YOU MUST PROPERLY VALIDATE THESE THINGS AS THE FURNISHER OF MY CREDIT REPORT. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " ... promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have maintained detailed records of all my correspondence with you all. I demand the following accounts be verified or deleted from my report due to your negligence. 

XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXXXXXX Account : XXXX XXXX XXXX XXXXXXXX Account : XXXX XXXX XXXX XXXX- Account:XXXX  XXXX XXXX XXXX- XXXX XXXX XXXX AccounXXXX XXXX-Account:XXXX XXXX XXXXXXXX-AccountXXXX XXXX XXXXXXXX XXXX-Account:XXXX- VOILATION THIS ACCOUNT HAS THE SAME NUMBER A WHOLE OTHER ACCOUNT XXXX XXXXXXXX XXXX XXXXAccount : XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 hard inquiries on my TRANSUNION report as a result of fraudulent activity. 1 ) XXXX XXXX XXXX. This inquiry resulted in the issuance of a XXXX XXXX and {$3000.00} worth of fraudulent charges. The charges have been corrected on my credit report but the hard inquiry remains. Incidentally, this occurred after I placed a fraud warning with all 3 credit reporting agencies. 2 ) XXXX XX/XX/2021. This hard inquiry landed on my credit report after I placed a fraud warning with all XXXX credit reporting agencies. 
3 ) XXXX XXXX XXXX XXXX XXXX XXXX This hard inquiry happened after I placed a fraud warning with all 3 credit reporting agencies. Please help. I'm trying to buy a house.
Product: Vehicle loan or lease

I applied for an auto loan with Navy Federal Credit Union on XX/XX/year>2025 at the advertised APR of 5.59 % for exceptional credit of which my credit qualified by their own standards. The loan documents I received stated an increased rate of 9.67 % APR. I called Navy Federal to inquire about the increase, was told that I could not speak with an underwriter and, they were unable to disclose the algorithm involved in making the decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a car through   XXXX   XXXX   and Paid it off completely. But when I look at my credit report it is showing a balance of  XXXX  with   XXXX   and Equifax. Also, it is showing twice on my credit report when it should only show once. I would like for my credit report to reflect the proper accurate information. Please have this account only showing once on my credit report and also showing a   XXXX   balance as well.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I ordered a package from the merchant union supply direct For {$130.00} and XXXX cents, I canceled the order on XX/XX/XXXX and my card was still charged after the fact that I canceled it. Upon calling the merchant to confirm that what I ordered was canceled they asked me what card I used and I told them I used cash app, they informed me that they do not work with cash app. I didnt understand why my card was still charged by them if they did not accept cash app. Union supply direct proceeded to tell me that there was nothing they can do for me and that a refund was issued to my card that was used on XX/XX/XXXX. Meanwhile, I called Cash App and I was told to wait XXXX to 14 days and the refund should be issued on my account. I waited the XXXX to 14 days and there was still nothing on my account. I called Cash app and they gave me the option to file a dispute which I did over the phone with the representative. The representative from Cash App asked if I had documentation of me canceling the order I placed which I did and submitted everything I was told would help me to get my refund. They also asked me if I had a refund receipt which I did not because the merchant union supply said they could not provide me with one. The following day I received a notification stating that my dispute was denied, I requested more information as to why my dispute was denied, and the reason being they claimed that I did not provide any documents which is false because I did. I called Cash App and another representative told me that I could file another dispute which I did over the phone with them. The same thing happened. I have filed seven disputes for the same transaction which all have been denied. I finally was able to get an email from the supervisor from the merchant union supply stating that they did in fact refund my {$130.00} on XX/XX/XXXX along with my refund voucher code. Attempting my eighth dispute with cash app, I tried checking on the status of my dispute and the transaction is unable to load, please try again later. I called Cash App asking why it now says there, and they were unable to provide you with any information. all I am trying to do is resolve this issue and get my money back.