23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We absolutely are finished with PNC. After 22 years of having accounts and mortgages with them, we are pulling our accounts, including our mothers investment accounts. We wanted to refinance our loan after we received paperwork from PNC stating rates have dropped. We were taking some cash out as well since we had plenty of equity. 10 times what we needed. That was XXXX. Since then, weve been shuffled off to 16 different loan advisors. No one calls us back. When we call and complain, we get another loan advisor and need to start over. They are needing a piece of paper that they have, but say is not sufficient, I actually called and retained a lawyer to get what they needed. One person says its not sufficient the other says it is. I get a call today looking for paperwork but asking for proof residence for someone else. They dont even know what they are doing anymore. I talked to XXXX XXXX who said he was a supervisor but spoke to me like he was reading off a script. He couldnt. Or explain why what I had was not sufficient or anything else. When I asked to speak to his supervisor, he told me no, that there was no other person I needed to speak to. He was rude. I told him about all our issues. It once did he apologize until I called him out on his unprofessional attitude and the fact he didnt apologize. Finally he said Im sorry you feel that way. Please listen to all themtraining tapes. We have paid $ $ out of our pockets for the construction we were having done in XXXX because of all these issues. Credit score of XXXX and we hold a mortgage with you, but it takes 6 months to do your job. 

I have all names, times and dates of contact with company
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is falsely reporting loan XXXX, as a charged off tradeline, in fact was a suurenderd do to engine failure under lemon laws, currently filed claims in the 2023 XXXX engine fail ure class action, where a pending claim for XXXX XXXX  to pay them. They are aware that they are falsely reporting under fcra and must be corrected today. see attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX  XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX XXXX  XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX XXXX  XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX Email : XXXX RE : Attorney Letter XXXX, Equifax, XXXX Please See The Attached Letter I've constantly over the past 3 months attempted to get these bureaus to correct false information ; I've submitted letters of validation, I've stated the accounts aren't mine, I've stated the information is inaccurate, but the Bureaus continue to refuse to comply. I never consented to have my personal information displayed, or purchased, or reported.
Product: Checking or savings account

Can't remember the dates but wells Fargo had taken over {$300.00} that had overdran my account then they took an overdraft fee from my account when they were the ones that caused the overdraft!!!
Product: Credit card

I had lunch at XXXX ( XXXX ) Sushi in XXXX XXXXN on XXXX, XX/XX/year>. The bill came to {$86.00}, lunch for XXXX people. On Sat. XX/XX/year>, at XXXX, I noticed a {$460.00} charge that was pending to an XXXX XXXX  ( XXXX XXXX ) in XXXX XXXX, at my Capital One online account XXXX waited until Sunday, XX/XX/XXXX to report the problem to Capital XXXX because I thought it would fall off pending. 

The person, not sure who, XXXX XXXX, or Capital One, took it off pending and turned it into a XXXX dollar charge. 

My credit card company Capital One refuses to do anything about this since there is a XXXX dollar difference. They say I need to repeat the entire process of reporting this, but they are stonewalling me and won't do anything about it. I reported it at XXXX, nothing has happened since, and after calling today they told me I need to redo it since it is XXXX now. But it's obvious they are just not planning to help me. It's already been around 20 days or so since this has happened. 

There was a waitress that took my card on XX/XX/XXXX, wherever they do that, to make the payment receipt and was gone in the back for an amount of time, around XXXX minutes, so I believe that is where the fraud is coming from. Our waitress was training a new person that she was shadowing. 

I need your help because I did not make this charge at all. On Sat. XX/XX/year> I used my XXXX 's card to get gas at XXXX XXXX XXXX. The credit card ending in XXXX was closed by Capital One on Sunday XX/XX/year>. 
I called Capital One on XX/XX/XXXX and they did not know why it had increased by XXXX dollar. On XX/XX/XXXX, I called Capital One with concerns about having to pay for a charge I did not make. They said I should make a minimum payment and that any interest charges would be removed. I always pay my credit card charges in full and this statement period ends around XXXX XXXX or so.
Product: Credit card

I placed an order on the Macys.com website for XXXX dress on XXXX XXXX, XXXX order # XXXX, charged to my Macys credit card. 
I never received the dress, but I did receive an email on XXXX XXXX saying the item had been delivered " in or at '' my mailbox. 
I immediately checked my mailbox and the surrounding area and there was no package. A dress of this size would not fit into my small mailbox. 
I waited until early evening to see if the item had possibly been mis-delivered to a neighbor, but none of my neighbors had that package. 
I immediately went on to the Macys website and customer service was closed due to it being after hours, so I chose " contact seller '' and messaged the seller ( a third party ) to let them know there was a problem with the delivery and I did not receive the item. I requested that the item be reshipped or refunded. 
I never heard back anything from them. 
I have still never received the dress, and I have not received a credit to my original form of payment ( Macys charge ) either. 
The following day I contacted Macys customer service dept. via the chat feature and let them know I had not received the package. I did check with my immediate neighbors and no one had received the package. 
I have been at this same address for 30 years, and have also been a Macys cardholder for 30+ years and have never had an issue with non-delivery of packages or packages being stolen. 
I receive packages at this address almost daily ( left on my residential front porch since I have a very small mailbox ) so there is something that does not seem right when the XXXX tracking shows it was left " in or at my mailbox '' since the item clearly would not fit in my mailbox. 
I then contacted the local XXXX and was told that the only information they have is what the tracking number shows, but items are mis-delivered every day, and only the shipper can file a claim, I as the recipient can not file a claim for a lost or mis-delivered package. They also asked if the package was sent via Priority Mail which has insurance included, or insurance was separately purchased for the item since it was a {$100.00} dress. ( I do not know the answer to those questions regarding insurance coverage on the package, however, I had no choice in which carrier was used to ship the item and insurance was never offered or suggested. ) I contacted Macys again today and told them I wanted to dispute the charge for non receipt of item, and also emailed the seller again and told them that since I had not heard back from them regarding the 'lost " item, I would be disputing the charge. I immediately received an email from the seller stating they would not replace or refund the dress, that the XXXX tracking number " shows I received the item ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to Equifax 's website about the security breach. They told me that my data was likely compromised. I tried to sign up for the free monitoring service. After one week ( not 48 hours ) I  received an email from trusted id customer service. To verify my identity, i was told a text was sent to my cell phone. it was not. When I asked for the code to be resent, I was told that I was already enrolled and to please enter my email and passcode. The password did n't work so i asked it to send a reset password to my email. It did not arrive. I called the number provided on the website to Trusted ID. The woman could not help me, unless i gave her information about loans that were 9-10 years old. I would like to know if my data is compromised.
Product: Student loan

I just called FedLoans to see what they offer to people who are relocating for a job. I have to relocate at my own expense, and can not afford pmts until XXXX after I settle in at my new location. They have nothing to offer. They offered a new repayment plan, which would have increased my repayment amount to something that I can not afford. I should not have to do all of that just to postpone my payments for a month to a month and a half. Can the CFPB help with this?
Product: Mortgage

Haha, Corrections from my response Looking at the XXXX XXXX  you gave me from XXXX & XXXX that you said I had a " gift deposit '' on the XXXX XXXX in the amount of {$2700.00}. So if you add {$590.00} ( what you said I had to pay to close ) the total amount is {$3300.00}. If you take the {$3300.00} that you said " paid outside of closing deposits on the XXXX XXXX XXXX the {$3300.00} that's only a {$34.00} difference which is pretty close! You can't change my bank statements. 

Now with that and the fact that there are little differences such as the Owners Title insurance on the Disbursement sheet from the title company stating it was only {$100.00} but on the XXXX it's listed as {$1500.00} XXXX bet I can come up with exactly how much " seller credits '' I actually got. Thanks for pointing out that I have XXXX interest rate lock agreements and your XXXX  XXXX of ANTI-COERCION STATEMENT is XXXX. YOu can see where XXXX XXXX said he would get me " insurance quotes '' my actual insurance agent fighting with XXXX Mortgage about the XXXX Valuation and the fact that your XXXX insurance wouldn't even cover the costs of XXXX but you made me get it in fact Independence Title Which XXXX Owns was already sending me receipted sales contracts and I had no XXXX choice. 

You guys are auctioning off XXXX XXXX house Monday and I know for a fact that you did the same XXXX to them and probably a lot of people. I have her XXXX XXXX  that have the repeated pattern of offense XXXX from XXXX and then again from XXXX XXXX on the closing XXXX with a larger XXXX amount. Way to go you guys! 

If anyone reads these do not buy a house ever from any XXXX XXXX they are the worst and they literally punish you for complaining and they have absolutely no intentions of correcting any mistake! They have an extremely well-planned of attack too that was well thought of with a lot of practice because clearly everything they did to my family they were just way too good at.
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. 


FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX - XX/XX/year> 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 convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

The ATM is not working XXXX XXXX  XXXX. I told the staff inside the bank and they said they can't do anything. I could not access my money.
Product: Credit reporting or other personal consumer reports

Subject : Dispute on Removal of Fraudulent Information on credit report in Violation of 15 US Code 1681C-2.

I am writing to dispute fraudulent information on my credit report pursuant to 15 USC 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 US.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 

To following information on my credit report is the result of identity theft and should be blocked : ACCOUNT NUMBER ACCOUNT DATE OPENED. 

XXXX XXXX XXXX XXXX XX/XX/year> As required by 15 USC 1601c-2, please block this fraudulent information from my credit report Immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report no longer contains any fraudulent Information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are XXXX, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you.
Product: Credit reporting or other personal consumer reports

When I checked my credit report today, I was surprised to see inaccurate accounts listed, and I dont understand why. I review my report regularly, but this time, I noticed errors that werent there before. I attempted to refresh my browser, thinking it might be a technical issue, but the accounts remained. Given this, I kindly ask for a detailed review of the documents I have submitted to ensure this problem is fully resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 to remove the accounts below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the XX/XX/2022 letter. Ive already included this in my previous Complaint # XXXX ; XXXX ; XXXX & I am including it again. 
XXXX XXXX Balance : {$6100.00} XXXX XXXX Balance : {$5700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX. ) XXXX Balance : {$250.00} XXXX XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$310.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I applied for a loan with a local bank, and they need to pull our credit reports from TransUnion. After the XXXX data breach, I had frozen both of our credit reports with all three major credit bureaus. On Friday, XX/XX/2018 I logged on to TransUnion for both my husband and myself and temporarily lifted the credit freezes until XX/XX/2018. Both he and I received receipts from TransUnion indicating the temporary lift was in place. On XX/XX/XXXX the bank called to say they could not get access to either of our credit reports. I logged onto both our accounts and saw that my husband had no active lift in place, but I did. I placed a lift on his account until XX/XX/XXXX. On XX/XX/XXXX the bank called to say that they again could not access our credit reports. I called TransUnion on XX/XX/XXXX to find out what was happening. After several hours of fruitless navigation of their web site, I finally was able to talk to an actual person, who took information about my account, put me on hold to check the account, and then completely disappeared. I called again, waded through their convoluted phone tree, and finally talked to a person who was able to check our accounts. He indicated that there was an active lift in place for both accounts, and he had no explanation for why the bank could not access our credit reports, nor did he seem interested in helping us. The only advice he offered was that the bank should try again, and if not successful should contact their " local marketing department. '' He was unable to explain who or what this organization was. I relayed this information to the bank and this morning XX/XX/XXXX the bank called to say with the help of the company they use to interact with TransUnion they were able to get my husband 's report but not mine. I logged onto my account yet again only to find that there was no active lift in place. I again put a lift in place for my credit freeze, and am waiting to see if the bank can access my report. Since these credit reporting agencies amass out personal financial information without permission and apparently any accountability to the consumer, they should at least be required to provide a minimum of customer service to make it easier for the consumer to control when access to this information is permitted.
Product: Credit card

XXXX XX/XX/XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Victim XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Mentioned XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, WI XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NV XXXX Suspect : XXXX  XXXX On XXXX XX/XX/XXXX XXXX XXXX was provided a Visa debit card by XXXX XXXX. Card number ( redacted ) was issued by XXXX XXXX  XXXX XXXXXXXX XXXX. Account access was secured by password. Transactions were secured by a four digit PIN. 

On XXXX XX/XX/XXXX XXXX XXXX had a credit balance on that XXXX account of {$190.00}. 

At XXXX on XXXX XX/XX/XXXX XXXX online transactions from XXXX XXXXXXXX posted to XXXX XXXXXXXX XXXX XXXXXXXX Account . There were also debits to XXXX XXXX 's account for corresponding transaction fees. 

By XXXX on XXXX XX/XX/XXXX XXXX XXXX 's XXXX account balance was a XXXX  cent debit. 

None of these transactions were with the knowledge or consent of XXXX XXXX. 

The total loss is {$190.00} The transactions were discovered by XXXX XXXX on XXXX XX/XX/XXXX. A report was made to XXXX on XXXX XX/XX/XXXX. An affidavit was provided to XXXX on XXXX XX/XX/XXXX. 

XXXX Security has indicated they are disputing the charges on behalf of XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against XXXX XXXX XXXX. The reason why I am writing this complaint is because on my XXXX, XXXX, and Equifax credit report on XX/XX/2018 and XX/XX/2018. This inquiry was not authorized by me, this was done under fraud. I will be brief, I did not authorize this and I do not recognize this inquiry. In this complaint I will submit all the documents necessary to verify that this inquiry was not done by my person. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.
Product: Checking or savings account

I have an investment savings account along with a new checking account that the company started promoting a few month 's ago all too many times access is limited due to system issues you are unable to get through to customer service due to all of the major issues with the banking platform a perfect example as of todays date is my checking account access has disappeared with no explanation or reason granite only XXXX is in the account but what if I have elected to have my whole paycheck direct deposited I would not have access to my funds and as a consumer these issues are unacceptable
Product: Debt collection

My identity was stolen. XXXX accounts are not mine but are listed on my credit report. I have already put a fraud alert on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit bureau has 3 " soft '' credit inquiries listed on my Experian credit report, which are outdated and need to be deleted. One is from XXXX XXXX and is dated XX/XX/2016 The other two are from XXXX XXXX and are dated XX/XX/2016. Under the provisions of the Fair Credit Reporting Act, passed by Congress, any credit inquiries over 2 years old must be deleted from a consumer 's credit report immediately.