23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

PNC Bank Housing Complaint due to Bankruptcy and Foreclosure - Financial Elder Abuse Financial Elder Abuse as the PNC Bank SCAM/FRAUD victim in thXXXX amount of {$900000.00}. Both PNC HELOC loans were part of the {$900000.00} PNC Bank SCAM/FRAUD XXXX I submitted several Hardship Applications to the PNC Bank Loan Hardship Division : PNC Bank, XXXX XXXX XXXX, XXXX, Ohio XXXX. The division Single Point of Contact is XXXX XXXX, phone no. XXXX ext. XXXX, M-F, XXXX AM - XXXX XXXX XXXX. The division email address is : XXXX. The XXXX XXXX, XXXX XXXX can be reached at XXXX. 

PNC Bank has declined to assist me with the Hardship Applications to date for the HELOC Loan, XXXX. Please note the PNC Bank XXXX loan was part of the {$900000.00} PNC Bank XXXX XXXX 

I recently contacted PNC Bank, President/CEO XXXX XXXX XXXX concerning an online PNC Bank SCAM/FRAUD in the amount of {$900000.00}. PNC Bank response was : XXXX. ) I was responsible for the SCAM/FRAUD XXXX. ) PNC Bank refused to apologize for the SCAM/FRAUD XXXX XXXX ) PNC Bank refused to acknowledge that someone at the bank knew intimately about my checking and savings accounts and stole my money XXXX. ) PNC Bank refused to acknowledge that an XXXX of irregular activity occurred XXXX. ) PNC did not conduct Know Your Customer ( KYC ) on my accounts XXXX. ) PNC approved the International Wires sent to XXXX XXXX  and XXXX, possible Terrorism ( This is a Federal Offense ). XXXX. ) PNC Bank closed both my checking and savings accounts due to Suspicious Activity.
Product: Checking or savings account

Deposited a check from the North Carolina lottery on XX/XX/year> for XXXX. The bank sent me a email stating the had info the check would be returned. It was from the XXXX  XXXX  i would like to know how the had info it would be returned and why. And they failed to credit my account with the required max amount of XXXX while the check is on hold. I have had this bank acct for over 20 yrs
Product: Credit reporting or other personal consumer reports

Inquiries on my credit report that are not attached to any active accounts on TransUnion report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act you are reporting inaccurate information that does not belong to me. Equifax, XXXX, and 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 XXXXXXXX XXXX XXXX XXXX 15 USC 1681 Section 602 states I have a right to privacy.

15 USC 1681 Section 604 states a credit reporting agency can not furnish an account without my instructions.
Product: Credit reporting or other personal consumer reports

Hello... Please my credit use is freeze and I want to apply for credit card, please how can I get unfreeze ( unlocked )
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a mortgage account being reported on my credit report by Equifax, XXXX, and XXXX that shows inaccurate late payments, up to 60 days, that are different on each bureau and have not been verified after several attempts to correct or remove the account. I have sent in multiple dispute letters, and have talked with each bureau on the phone, and have not made any progress, the account still remains unchanged on my credit report. 

I have made several attempts by mail over the last year or longer. The late payments on the account have never been verified but remain on the account. I have also spoken on the phone with each bureau and made no progress. 

This account has been negatively affecting my credit report and preventing me from getting new lines of credit, loans in particular. Not one of my other accounts shows any type of late payment activity. This account has made my financial situation very difficult.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I filed a police report with the XXXX XXXX Police Department and sent a copy of the police report and case number to Trans Union, XXXX and XXXX in regards to a fraudulent account and hard inquiry listed on my credit report. The following fraudulent account and hard inquiry do not belong to me : XXXX XXXX XXXX XXXX XXXX, {$5100.00}, XX/XX/XXXX, XXXX XXXX XXXX  XXXX, XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My information was exposed in the data breach and I am not aware of these hard inquiries.
Product: Student loan

My interest rate has increased on a student loan on that I had a locked in interest rate previously with XXXX XXXX at 8.75 % and now it has increased with Navient to 9 %, which they say is due to 'libor rate ' which is not what was told to me in the several recorded phone calls I had with them. In addition, since I paid 'in advance ' a one time lump sum payment of $ XXXX, it is now nearly impossible to make an automated payment over the phone and when I actually get a representative on the line, they want to charge a fee of {$14.00} for taking a payment over the phone!! Not to mention their practices of not including, all in one area ( even online ) how much I pay, the interest that was paid and my new balance - this information is separated and spread out making it beyond difficult to keep track of my principle balance!! This has been the worst experience ever trying to pay off this private loan.
Product: Money transfer, virtual currency, or money service

A refund was submitted by merchant and PayPal is refusing to release the funds back to my debit card
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I received a noticed from XXXX XXXX that XXXX reported a Hard inquiry into my credit. This inquiry lowered my credit score approximately five point for up to two years. I called and spoke to XXXX they told me contact Capital One Bank. I contacted them and explained to them and told me that they were the one 's that did the hard inquiry. I asked them why they did the hard inquiry and the told me from time to time they will do hard inquiry 's to see if they could offer a unsolicited loan and or a credit card. This is not right, I don't have a open account with them and I didn't ask request one. Please help. 

Thank you
Product: Debt collection

Originally I owed Regional Acceptance Corporation for {$13000.00} fora loan they gave me in XXXX. I did go delinquent in XXXX and eventually my account was sent to collections with XXXX XXXX. I contacted them in XX/XX/XXXX, when I was offered a settlement of {$3200.00}. As I was in the process of purchasing a home, the mortgage company required that I settle the account. The money was provided to my mortgage company who paid the balance and cleared the debt. I followed up with XXXX XXXX on several occasions from XXXX XXXX and have spoken to several agents from XXXX. Their names are XXXX XXXX, XXXX XXXX, XXXX XXXX, and a supposed manger named XXXX, who assured me the account was settled and that they would send me a letter to prove I paid the amount to provide the original creditor and the credit bureaus, but that never happened.
Product: Mortgage

Chase thought my homeowners insurance lapsed and so they used escrow to buy a forced placed insurance policy. They now have proof I had coverage but have not changed my payment. I'm having to borrow money to avoid overdraft fees.
Product: Credit reporting or other personal consumer reports

I'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigate. The inaccuracies are highly injurious to my credit score XXXX  XXXX XXXX IN  accordance with the fair credit reporting act, Public LAW 91-506, TITLLE VI, SECTIONS 611, Please send me an updated copy of my credit report after your reinvestigation.
Product: Checking or savings account

I opened acct with HSBC 6 months back after confirming that I am eligible for XXXX $ bonus. 

contacted them 2 weeks back still no response
Product: Credit reporting, credit repair services, or other personal consumer reports

<FORMER ADDRESS> XXXX XXXX XXXX XXXX, # XXXX. XXXX AZ. XXXX XX/XX/18 I have never in my entire 61 years lived in AZ. 
I have lived in XXXX XXXX XXXX XXXX XXXX XXXX and XXXX but never ever AZ.
Product: Credit card or prepaid card

In accordance with the Fair Credit Reporting Act this creditor ARMY/AIR FORCE EXCHANGE has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 166b, a creditor may not treat a payment on a credit card account under an open end credit plan as late for any purpose. 


Resources : 1. 15 U.S. Code 1681 - Congressional findings and statement of purpose | U.S. Code | US Law | XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX 2. 15 U.S. Code 1666b - Timing of payments | U.S. Code | US Law | XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX  : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  should not be reporting a collection/chargoff in the amount of {$12000.00} to XXXX ; Experian and XXXX on the XXXX XXXX CRED partial account number XXXX. ( Please see page attached from my credit report. ) This account was sold to XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This same account is also reporting as a Judgment with XXXX XXXX XXXX XXXX partial Docket # XXXX. ( Please see page attached from my credit report. ) First, this account was sold to XXXX a collection agency. This account can not be reporting multiple times since it has gone to collections and a Judgment was granted. This is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. This false reporting the same account multiple times is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Debt collection

The company harass me everyday calling multiple times a day everyday after being ask to stop.Debt collectors call and are very aggressive and has been calling multiple time a day starting morning and will not stop. Debt collector call from numerous numbers and will not respond but hang up.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over XXXX days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section XXXX ( XXXX ), it is plainly stated that a failure to investigate these items within XXXXdays gives a reason to immediately remove those items from my credit report it has been over XXXX  days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Product: Debt collection

I am filing this complaint against Affirm Inc. for violations of the following federal laws and regulations : 12 CFR 1006.34 ( b ) ( 5 ) : Affirm Inc. has not provided me with validation information about the debt they claim I owe, despite placing a collection notice on my credit report.

12 CFR 1006.34 ( c ) ( 4 ) ( I ) : Affirm Inc. has not given me a chance to dispute the validity of the debt.

12 CFR 1006.34 ( d ) : Affirm Inc. has furnished information about the alleged debt to a consumer reporting agency without providing me with all required disclosures.

15 USC 1681s-2 ( a ) ( 7 ) ( A ) : Affirm Inc. is furnishing inaccurate information to a consumer reporting agency.

15 U.S.C. 6802 : Affirm Inc. has disclosed my nonpublic personal information to a nonaffiliated third party without providing me with a notice that complies with section 6803 of this title.

Affirm Inc. 's actions are causing me significant harm. The collection notice on my credit report is damaging my credit score and making it difficult for me to obtain credit. I am also being harassed by Affirm Inc. 's collection agents.

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Affirm Inc . I am also requesting that Affirm XXXX remove the collection notice from my credit report and cease all collection activities.
Product: Student loan

Consumer sent correspondence requesting the Cusip number and Remic loan number attached to their loan. NELNET completed disregarded consumers request for this specific loan and account information. According to NELNET 'S SEC filings they have been trading the consumers note on the secondary market, not providing the investor with their shares, which consumer has submitted an INVESTOR COMPLAINT via the Securities and Exchange Commission. Because of NELNETS negligence and will full non compliance CONSUMER has elected to OPT OUT of reporting their personal and non public information. The Fair Credit Reporting Act regulates the consumer reporting agencies that compile and disseminate personal information about consumers. 15 U. S. C. 1681 et seq. The Act also creates a cause of action for consumers to sue and recover damages for certain violations. 1681n ( a ). As stated in one of the letters sent to NEL NET, pursuant to, 15 U.S. Code 6801 - Protection of nonpublic personal information : ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding an alleged collection from a company called one main. This account was falsely opened in my name. Prior to submitting this complaint, I have sent over 3 letters to the XXXX to have them send the proper validation of this alleged account. I have even requested bank statements, documents and signatures to indeed prove that it was not me who opened the account. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies. Doesn't this go against the FCRA Laws?
Product: Credit reporting or other personal consumer reports

I am filing this complaint to ensure that the credit bureaus conduct a thorough investigation and promptly remove fraudulent accounts that were opened in my name without my consent. These accounts, confirmed as fraudulent under FTC Report XXXX XXXX, continue to be inaccurately reported on my credit file, despite my repeated requests for their deletion. 

I have formally notified the credit bureaus ( XXXX, XXXX, and TransUnion ) and provided the necessary documentation, but they have not fulfilled their obligation to remove these accounts as required by the Fair Credit Reporting Act ( FCRA ). Given the known issues with credit bureaus often disregarding disputes unless sent via certified mail, I am filing this CFPB complaint to ensure a fair and lawful resolution. 

Fraudulent Accounts : XXXX XXXX XXXXXXXX, Account Number : XXXX, Balance Owed : {$290.00} XXXX Consumer, Account Number : XXXX, Balance Owed : {$23000.00} XXXX XXXX XXXX, Account Number : XXXX, Balance Owed : {$6400.00} XXXX  XXXX XXXX, Account Number : XXXX, Balance Owed : {$2900.00} I am requesting CFPBs intervention to ensure that the credit bureaus comply with FCRA guidelines and remove these fraudulent accounts from my credit report, safeguarding my creditworthiness and financial integrity.
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. 

Account name : XXXX XXXXXXXX, Account name : XXXX  XXXX, Account name : XXXX XXXX, Account name : 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 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 convi
ctions 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: Debt collection

Last year 2017, I notice that XXXX XXXX XXXX was reporting several collections on my credit report. I have disputed these accounts several times directly with the credit bureaus, they responded that the collection agency has verified the accounts as belonging to me. However I have not received any physical proof of how these accounts were proved to as belonging to me despite my numerous request. Disputes directly to the credit bureau were sent XX/XX/2017, XX/XX/2017, XX/XX/2017, XX/XX/2017, XX/XX/2017 and as of date no physical proof of how these accounts were verified were sent to me. I even went further to contact the collection agency directly and request validation of debt as of date this company has failed to respond to my numerous request and also continuous to consistently report negative and inaccurate information. Request for the debt to be validated was sent via certified mail XX/XX/2017.
Product: Mortgage

I submitted application on   XX/XX/XXXX to XXXX XXXX a home mortgage consultant, I informed her of recent purchase of a home XXXX and I was seeking a loan for a home remodeling project.  I indicated that I was a customer with Wells Fargo for over 25 years and had several active accounts.    
XXXX XXXX that I met their criteria and we discussed a XXXX  loan.  She indicated that I need to provide the following items:
	Two pay stubs from my wife XX/XX/XXXX & XX/XX/XXXX tax returns
	Mortgage statements on all properties owned
	Home owner insurance
	Pension statements
	Social Security award letters
 These items requested via a letter dated XX/XX/XXXX This was followed by request via the phone, a letter covering my wifes gap in employment, the requested copies of rental roles on all income property, they requested documentation on property sold in XX/XX/XXXX, as well closing statement on property sold XX/XX/XXXX, prior to purchase current home. 
Later the following items were requested:
	Year to date pay stubs for all jobs 2 years of XXXX forms for XX/XX/XXXX-XX/XX/XXXX Year tax returns, personal with all schedules for XX/XX/XXXX-XX/XX/XXXX (XXXX,XXXX,XXXX,XXXX and XXXX Mortgage note, good faith estimate or truth and lending showing the rate of primary and rental purchase
	YEAR TO DATE BUSINESS PROFIT/LOSS STATEMENT GOOD THROUGH XX/XX/XXXX
	 MORTGAGE NOTE, GOOD FAITH ESTIMATE, OR TRUTH IN LENDING SHOWING THE RATE ON THE PRIMARY AND RENTAL PROPERTY ARE FIXED RATES COPY OF THE HUD1 SETTLEMENT STATEMENT FROM THE RECENT PURCHASE OR REFINANCE OR SALE OF A PROPERTY
	 PROPERTY TAX STATEMENT FOR ALL PROPERTIES
	XXXX FORM SIGNED BY ALL BORROWERS PLACE A X IN BOX XXXX, PLACE A X IN THE ATTESTMENT AT THE BOTTOM, PROVIDE ALL SS#S, LEAVE LINE XXXX BLANK
	 LIST OF HOME IMPROVEMENTS) NEED A BRIEF LIST OF HOME IMPROVEMENTS.  HAS ANY IMPROVEMENTS ALREADY STARTED OR ARE WE WAITING FOR THE FUNDS?
	 BORROWERS CERTIFICATION
Product: Credit card or prepaid card

XXXX - made a {$300.00} payment to my credit card. 

XX/XX/XXXX - payment cleared my bank account, but card still shows no available credit though the balance owed has decreased by the payment amount. 

XX/XX/XXXX - call customer service to see when available credit will be updated. Rep advised there was a payment hold that wouldn't be released until XX/XX/XXXX. I asked if there was a way to remove the hold as the payment has already cleared my bank account. Rep states we can conference call with my bank for her to verify the payment has cleared, then she can manually remove the hold. She put me on hold, called XXXX bank, then connected me with XXXX but fell off the call herself. XXXX said he was advised by XXXX ( Capital One Rep ) that we wanted to verify the transaction but without her on the online he's just verifying it to me, which defeats the purpose of the call. So, I call Capital One Customer Service back, and the same rep, XXXX, answers but says it wasn't her - that was someone else and quickly transfers me. The NEW rep then tells me they can't call XXXX to do a verification to remove the hold, and I told her I was JUST on the phone with a representative who actually CALLED XXXX and connected us but then dropped off the line. She says again they don't do that, so I requested to speak to a supervisor. The supervisor comes on and says they used to do manual verifications and removals of the holds but due to Covid 19 volumes they aren't doing them now. I advised her about the rep I had JUST dealt with that went all the way through the process of actually calling XXXX then disconnecting, to which the supervisor then says she probably disconnected because she realized she wasn't supposed to do that anymore. In all this roundabout of misinformation and flat out lying as far as I'm concerned with the original rep the verification could have been done and hold removed. There were NO extended hold times or extraordinary notifications of place in line of the phone queue for either Capital One or XXXX to make it seem like this would be putting anyone out. Who IS put out is me trying to access my line of credit that I made a payment to in order to be able to use the card for a time-sensitive purchase.