23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Hello XXXX XXXX, It has been over 4 months since I replied to your email request for my phone number. This is the same treatment I received previously from PNC Mortgages XXXX XXXX. Excuses of not receiving phone calls, emails and most shockingly documents. I am astounded how PNC is able to stay in business if this treatment is standard behavior. The financial devastation caused by PNC keeping me on the hook for over 16 months with the promise of a first mortgage in order to continue to cover my Moms caregivers costs on a fully collateralized loan has not gone away. I did everything that was asked of me, creation of documents, all the documentation required for a first mortgage sometimes twice because documents were mysteriously disappearing or I was told they were never received and two appraisals within a 12 month period. The unethical practice by PNC has financially compromised two lives. The professionally responsible action on PNCs part would have been to answer my many questions regarding PNCs ability to close on a loan. But no, I was continually assured that PNC was going close on the loan. Had Id been treated with respect and honesty I would have made arrangements sooner to move my Mom to an XXXX XXXX not incurring expensive 24/7 at XXXX XXXX costs waiting for a loan that PNC never intended to close. How do you people look yourselves in the mirror each morning. I cant be the only customer this has happened to. The only fair action on PNCs part at this time would be to pay {$250000.00}. to cover debut costs, appraisal costs and lost wages. <P/>I look forward to hearing back from you. <P/>XXXX XXXX XXXX cc : Consumer Financial Protection Bureau case # XXXX
Product: Debt collection

NATIONWIDE RECOVERY SY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TXXXXX ( XXXX ) XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$1400.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Product: Credit card

On XX/XX/year>, I made my credit card payment to Bread Financial ( formerly Comenity Bank ) using the same bill pay method from my checking account that I have used every month. The payment was made before the due date of XX/XX/year>. Despite this, I received a notice that my payment was late, and a late fee was added to my account. 

I have proof of payment showing the funds were sent and deducted from my checking account. However, Bread Financial has failed to credit my payment correctly. 

On multiple occasions, I contacted Bread Financial for assistance : XX/XX/year>, at XXXX XXXX  : I called and was told the matter would be escalated, and someone would reach out in 48 hours. 

XX/XX/year>, at XXXX XXXX  : I called again after no follow-up and was told the same thing. 

I also sent an email requesting an explanation and was told they couldnt help. 

When I called again and spoke to a supervisor, I was told she didnt know what to do. 


Despite my efforts and providing proof of payment, the issue remains unresolved. Bread Financial has not responded adequately, and this issue is now negatively affecting my credit score.
Product: Mortgage

The escrow amount for property taxes is grossly overstated and not supported by any documents from the county assessors tax office. The 2023 annual property tax bill was provided and the valuation is also included. I have called over 10 times explaining that the property tax amount per escrow does not agree to the actual property tax bill or the records sent by the XXXX county tax assessors office. The company continues to deny the unsupported escrow amount despite the property tax bill, refund of escrow funds due to an overage in the account, and a call from the XXXX County tax assessors office re notice of incorrect property tax amount. This is fraudulent escrow practices on behalf of the loan servicer.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT IS NOT RELATED TO ME THE GOLDEN 1 CREDIT UNION
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$1800.00} ; XXXX XXXX Balance : {$4500.00} ; XXXX XXXXXXXX Balance : {$7800.00} ; XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$2900.00} ; 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 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 am writing to dispute the following fraudulent information that appears on my credit report. I am a victim of identity theft, and this account/information was not opened/authorized by me. 

**Details of the Fraudulent Information : ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, my name is XXXX XXXX I have been waiting for your response since I sent my dispute letter on XX/XX/2022, but it seems my letter has been ignored or trashed for some reason, I was told by a financial expert that I can follow up on this website and file complaint on several agencies should you continue to ignore my letters. I'll be waiting for 15 days from now to see if there will be any changes and will take my next step after that. Thank you!
Product: Prepaid card

AMEX XXXX XXXX fails to purchase anything regardless of merchant : Total Balance on card exceeds order/purchase total ( including tax and fees ), AMEX XXXX XXXX XXXX XXXX XXXX CARD ACTIVE '', AMEX XXXX fails to add into any digital wallet with error " Please Contact Issuing bank '', AMEX XXXX will accept any hold amount, but will again fail to complete a purchase, XX/XX/XXXX  ( XX/XX/ ) - The number on the back of the card was contacted twice, once the phone didnt pick up and second the " agent '' offered no assistance to my problem and told me " Get a new one ''
Product: Checking or savings account

I have found where the box is at XXXX XXXX location XXXX but I cant get anyone to communicate with me about this. I still receive billing for my deceased Mother that had the box. They asked me to get an Indiana affidavit for estate for my Mom. I got one online filled it out after a 4 year illness my Mom had no estate to speak of. PNC told me that was not sufficient for their legal department. I told them I wanted to surrender the box my Mom had wrote on the key envelope their was nothing in the box. 

I am still getting bills for this box XXXX with a XXXX late fee. My Mom is deceased its like they don't understand that. 
All I want is to surrender the keys and PNC to set up an appointment to do so. I would not be filing this complaint if they would work with me. I have all other matters completed as far as my Mom. 
Date XX/XX/2023 Box Number XXXX XXXX XXXX
Product: Credit card or prepaid card

Synchrony bank has improper consumer lending terms and conditions that can unexpectedly impact your credit score. According to the terms and conditions of a store credit card, they are able to close your account without warning. The credit card was canceled because a payment was accidentally made with an old bank account. The old bank account was rejected immediately and the payment was made with the correct bank account. The account always remained current and no payments were ever missed, but of course none of that matters to Synchrony. I was not notified until the account was closed. Upon calling the customer service hotline I was met with extremely rude and unprofessional representatives who were anything but helpful. Our credit score ( we are currently on the market for a new home ) will be irreparably harmed by making the unfortunate mistake of deciding to use Synchrony Financial.
Product: Credit reporting or other personal consumer reports

This item looks innacurate. To my knowledge, the courts do not share that information with the credit bureaus so regardless of it being a public record it should not be on a credit report.
Product: Checking or savings account

In XXXX XXXX  my fathers checking account at US Bank, whom I have durable power of attorney for through US Bank, received five fraudulent transactions the largest of which being XXXX XXXX I contacted US Bank within 24 hours to report the fraud cases. At this time, I have received re-payment for three of the smaller disputes. The larger of which, which occurred on the same day, is still in processing. I have talked with the bank repeatedly. They continually tell me that someone from the fraud department will get back to me. They never do. I even had one of the tellers at the bank try to get the fraud department to get back to them instead of me to no avail. I have called the fraud department time and time again and this dispute is still in process. Its been 8 months now. I have learned that the money was transferred to a checking account with XXXX XXXX. The account it was transferred to is in someone else 's name and under someone else 's phone number. XXXX XXXX  won't talk with me because I'm not on the account that the money was transferred to. I don't know why US Bank had me reach out to XXXX XXXX. Isn't that their job? I don't understand why it has taken 8 months and 20+ phone calls and in person visits to the bank to get a fraudulent money transfer which I reported within 24 hours disputed. I still have yet to receive a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I deposited funds into my business checking account at the US Bank location in XXXX, NV via cashiers checks on XX/XX/year> so the funds would be available XX/XX/year> for me to withdraw via cashier checks. Being XXXX XXXX XXXX XXXX  I knew the certified funds would be available next day. At the time of the deposit, I was not given any notification of a pending hold on my deposited funds. Prior to going into the bank on XX/XX/year> to withdraw my deposited funds, I checked my balance which reflected an available balance of the previous days deposits. The bank employees told me my request was as over their limits and they contacted a back shop employee that in turn declined my cashier check request stating the funds werent available. I had a long discussion with the asst manager who seemed to understand my dilemma but didnt have the approval limits within her institution to process the transaction. I had her contact another back shop person to ask if I would be able to get the cashier checks the next day. Upon her next call, she reiterated the funds were all certified funds. The back shop personnel told her it would be available XX/XX/year>. I told the in person bank employee if they couldnt guarantee the funds for tomorrow that I would wire the funds out to one of my other banks that could take care of my request for checks. The employee told me I didnt have the funds available to wire. I reiterated my available balance reflected I had more than enough funds and she followed up with, well your past the cut off. I explained I would Wire the funds in the morning if they couldn't figure out how to approve my cashier checks. 
Requested funds for cashier checks = {$320000.00}, please see attached account balance available.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is forcing me too buy monthly credit services or they won't show my credit report they want XXXX from me.
Product: Mortgage

I am writing to file a formal complaint against Bank of America regarding their denial of a loan application. 
I have been a loyal customer with the bank for over XXXX  years, maintaining a good credit standing with a score in the low XXXX. 
I also own XXXX homes, all financed through other banks, and I have credit cards with other institutions that offer me better limits than what Ive been granted by Bank of America. 
Despite my long-standing relationship with Bank of America XXXX XXXX have been denied multiple times for credit limit increases and other credit products. 
Most recently, on XX/XX/XXXX, I applied for a home equity line of credit ( HELOC ), but my application was denied based on an alleged issue with my income-to-debt ratio. 
I find this reasoning questionable given that other banks have extended credit to me without issue. 
On XX/XX/XXXX, prior to my HELOC application, I was denied a credit card limit increase ( denial letter attached ). On XX/XX/XXXX, Bank of America approved me for a car refinance loan, which I declined due to receiving a better rate from a different bank ( attached is the approval document from Bank of America ). Additionally, on XX/XX/XXXX, I was denied a HELOC with Bank of America, falsely citing the existence of a solar equipment lien on my mortgage, which was entirely Inaccurate.

I have escalated the issue internally within Bank of America, but after a quick review, I was still denied the loan with the same explanation.

I believe Bank of America is not following fair lending practices, and this has raised concerns that I may be facing discriminatory treatment. 
As a registered XXXX XXXX, I am aware of ongoing discussions around fair lending for XXXX entrepreneurs, and I believe that my case may fall under this umbrella of concern.

I am seeking CFPBs assistance in investigating this matter to determine whether Bank of America has violated any fair lending laws or engaged in discriminatory practices. 
I want to ensure that I am being evaluated fairly and according to my financial situation, without bias or undue obstacles.
Product: Debt collection

I have contacted this company on numerous occassions trying to inform that this account is not mines. I have never had an  XXXX   XXXX  account and to be quite frank I have never even shopped in their stores because they do n't make clothes for my size or style. I contacted them by phone but to no avail the reps were rude as  XXXX . I sent multiple letters asking that they provide me with a contract with my signature and the terms and conditions regarding this account. They pretty much refuse ( see attachment )
Product: Debt collection

I'm asking for them to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally * Copy of Signed HIPAA form This is a form of HIPAA violation. 
If they are saying it is verified then where's my proof? What methods are you using to verify?
Product: Credit reporting or other personal consumer reports

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

The issue is as follows, Out of the clear blue JpMorgan Chase Bank decided to shut down both of my credit cards. I used the cards regularly for my daily purchases. Please note my credit is XXXX with all XXXX credit reporting agency 's. I used 2 % of my entire Credit lines and I pay off my bills Bi-weekly in full. in order words I have no risk whatsoever to this or any other financial institution. I truly believe that I was discriminated against in this situation and I want this matter investigated accordingly.
Product: Checking or savings account

Just look g for a refund on multiple overdraft fee charges.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 states " There is a need to insure that consumer reporting agencies exercise their own grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' 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. '' ( XXXX XXXX ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( XXXX XXXX  ) the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, ( XXXX XXXX ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( XXXX XXXX ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt-out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

hi transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Credit card

I ran a credit check for myself, trying to refinance my truck to get my ex off of my truck and found credit cards opened and maxed out and I didn't open them. Called the companies and without the last 4 digits of the credit cards and secure code on the back they wouldn't let me cancel the cards or give me any informations