23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/2024 CONSUMER FINANCIAL PROTECTION BUREAU Consumer Complaints Division XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX Copy : XXXX XXXX XXXX XXXX XXXX, PNC Bank XXXX at PNC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reference : Property Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX THIS IS A COMPLAINT AGAINST PNC BANK AND XXXX FOR THEIR REFUSAL TO REFUND TO US THE SURPLUS FORECLOSURE FUNDS ON OUR PROPERTY Sir : While awaiting the response of PNC Bank on our original complaint, we conducted further research. Our research indicated that there was no proper endorsement of the note ( loan ) by XXXX XXXX  XXXX ( XXXX ), the original lender, to PNC Bank. 

In addition, our research also indicated that XXXX  XXXX XXXX XXXX ( MERS ) which assigned the propertys mortgage ( or security interest ) to PNC Bank was merely a nominee of XXXX  and had no financial or ownership interest in the mortgage and therefore it was in no position to assign or transfer ownership interest of the mortgage to PNC Bank. ( see attachments ). 

This is related to our complaint previously filed with CFPB that PNC Bank manipulated the calculation of interest and fees so they will eat up all the surplus funds resulting on the sale to XXXX  on our above indicated residential property ( see attachments ). 

We would like PNC Bank to send us, if it is in their possession, a certified true copy of the note endorsement by XXXX XXXX XXXX to them ( PNC Bank ). They can mail us a certified true copy at our address provided below. 

1. It appears that if there was no proper endorsement of the note, then the note still belongs to XXXXXXXX XXXX and PNC Bank had no ownership interest in our residential property that they sold to XXXX. 

2. If that were the case, the SALE TO XXXX WAS VOID.. 

3. As to the matter of fraudulent assignment of mortgage from XXXX  to PNC Bank, this further proves that PNC Bank has no ownership interest on the mortgage, let alone the note, and therefore the sale to XXXX was VOID. 

4. We believe THERE ARE OTHER MEMBERS OF THIS CLASS. We are not the only ones. There should be an audit of all foreclosure sales of PNC Bank XXXX XXXX during that period. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XXXX XXXX
Product: Debt collection

I have not seen any doctor in the entire year of 2019. I have been in perfect health. I have never been to any of the locations of XXXX XXXX XXXX. This is not my medical bill. They have the wrong XXXX XXXX or someone used my information. I was a victim of the XXXX  breach. I will not pay this bill and it is the only negative info on my credit reports because I pay my bills and have 100 % on time payments of my accounts. If this company does not remove this ASAP I will file civil action with no delay.
Product: Credit reporting or other personal consumer reports

I have sent online disputes to all these companies and they continue to report inaccurate information. 

XXXX XXXX XXXX Account XXXX XXXX Account XXXX XXXX  XXXX Account XXXX LVNV FUNDING LLC Account XXXX XXXX & XXXX  Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX  Account XXXX XXXX & XXXX Account XXXX
Product: Debt collection

This company XXXX XXXX XXXX XXXX XXXX keep sending me bills and trying to collect a debt that is not mine, I already dispute this with the credit report companies and I already made a complaint in consumer finance and results were positive to me and negative information was removed from my credit reports but I just find out that they send this account to collections again, Im about to take this to the legal side because I just have a XXXX XXXX and my doctor told me was because the stress and the only stress I have is because XXXX XXXX XXXX XXXX XXXX ... XXXXthis is the last effort I making to fix this situation thank you
Product: Money transfer, virtual currency, or money service

Back & forth miscommunication is still happening to-date with Chase Wire Team & Chase in general. No one at Chase has ever told me via phone, e-mail or Chase Secure Messaging that any of my wired funds were " no longer available, '' and the XXXX XXXX XXXX attempt regarding XXXX XXXX  still have no updates on how to move forward or if any new communication has been found ; No Hold Harmless Letter has been requested to my knowledge which is the only transaction that's still in limbo at XXXX XXXX  for {$5600.00} USD. 

After my own investigation, XXXX XXXX  notified me themselves that a Hold Harmless Letter was needed from me to process the international funds yet Chase never informed me of this, yet two Hold Harmless Letters were notarized & sent via Chase Banker to XXXX XXXX  on XXXX ; XXXX XXXX  notified me that they've told XXXX that a HH Letter was needed. What's the status of receiving my two  HH letters at XXXX XXXX  for {$6000.00} & {$4200.00} USD? Chase still can't give me any answers & I've been trying to get answers not only from Chase Secure Messaging ( all messages saved ), as well as e-mailing & calling the Chase Executive Team and e-mailing XXXX per instructions from Chase for XXXX XXXX XXXX XXXX updates. No updates have been given to me still to-date! 

One notarized Hold Harmless Letter was sent to XXXX  XXXX XXXX on XXXX via Chase Banker as requested by XXXX  XXXX XXXX for {$3400.00} USD. Still to-date, XXXX  XXXX XXXX is responding to me directly from their Secure Messaging, stating that a Higher Up or VP at Chase needs to sign off on my HH Letter. Chase has also told me over the phone that I would need to forward my Hold Harmless Letter to XXXX  XXXX XXXX a second time, in which I've done so to their HH Mitigation Team, yet XXXX  XXXX XXXX is telling me that it needs to come directly from Chase & that I was misinformed by Chase. What's the status - has XXXX  XXXX XXXX received my first HH letter sent directly from Chase for processing? 

XXXX XXXX  responded via CFPB complaint that " Debit Authorization was needed from their client - unauthorized third-party '' regarding the stolen {$2600.00} USD & would need authorization from me to move forward with processing Chase 's Swift Wire Recall. A notarized Hold Harmless Letter was sent to XXXX XXXX  via Chase Banker on XXXX - what is the status of this transaction & receipt of my Hold Harmless Letter being accepted?
Product: Debt collection

XXXX-2017 To whom it May Concern : In XXXX of 2017 I realize in my credit report that appears some accounts that do not belong to me : Portfolio recovery # XXXX balance in collection of {$520.00} XXXX XXXX # XXXX balance in loss of {$520.00} I have never held accounts with these creditors and have never lived outside of Puerto Rico. The credit report reports an address in the United States that does not belong to me XXXX XXXX XXXX XXXX XXXX MA XXXX. I need not mix personal information of another person in my credit history.
Product: Credit card or prepaid card

I had a Capital One XXXX business card from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. During the year that this account was open, I have always paid the credit card off in full without missing a single payment. 

On XXXX/XXXX/XXXX I called Capital One to close down my account in full because I no longer needed a small business card due to the fact that I had accepted a full time job with another company. The conversations I had with the Capital One representative lead me to believe that the card had been paid off in full and that the account would be fully closed. 

I learned on XXXX/XXXX/XXXX that pending charges that had been associated with the closed account had not been paid. I was told by a credit bureau that I was 90 days delinquent in paying these charges. I promptly tried to pay off my account in full on XXXX/XXXX/XXXX. It would take until XXXX/XXXX/XXXX to get my account fully paid and closed. 

From XXXX/XXXX/XXXX until the account was verified closed on XXXX/XXXX/XXXX. I never received any correspondence relating to a bill, an outstanding balance, a delinquent account, etc. No emails, no phone calls, no letters sent to my home address. 

I was told by Capital One that I didnt receive any notifications relating to my outstanding balance because I had opted into Wireless Billing. I was surprised to learn that fulling closing an account does not also terminate your wireless billing agreement. 

I asked Capital One why I didnt receive any emails corresponding to this outstanding balance because I was in frequent contact with them through email before the incident. They explained that emails were nothing more than a courtesy and that they probably stopped emailing me because I closed the account. 

Thus. I feel like my credit score was adversely affected because Capital One failed to adequately notify me that something was wrong with my closed account. I understand that I am responsible for all charges made on a credit card but this situation is crazy. I feel like Im the victim of some random companies obscure online policies that is now affecting my ability to obtain a house. Etc. 

This event has forever changed the way I deal with a credit card company. I will now call them multiple times to verify and re-verify that payments have been settled and no debts are do.
Product: Credit card or prepaid card

Hello, I applied for a Student Credit Visa through US Bank on XXXX XXXX of 2016. I received XXXX " hard '' inquiries by : XXXX XXXX, and Us Bancorp. I understood I would receive XXXX hard inquiry. However, I talked with a banker or customer service rep on the credit service of US Bank. They said that it did look odd like it may have been run an extra time. 

I reviewed the contract very thoroughly and do not believe they were authorized to run it more than twice. If I have made a mistake on my end in any way I take full responsibility for the extra hard inquiry on my record. My email is XXXX for additional information required. 

Thank you for taking the time to review my complaint. 

Best Regards
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the repeated attempts I have made to remove fraudulent items from my credit file. Despite my persistent efforts and submission of supporting documentation, these fraudulent items persist, posing a significant threat to my financial reputation and well-being. 

As a responsible consumer, I have taken all necessary steps to dispute and remove these fraudulent items from my credit report. However, it is disheartening to see that my efforts have been met with little to no progress, leaving me vulnerable to potential financial harm and identity theft. 

I urge your immediate attention to this matter and request that you expedite the investigation and removal of these fraudulent items from my credit file. It is imperative that your organization takes swift and decisive action to rectify this situation to ensure the accuracy and integrity of my credit report. 

Furthermore, I request transparent communication and regular updates on the progress of this investigation until it is satisfactorily resolved. I also expect your organization to implement measures to prevent similar fraudulent activities from occurring in the future, thereby safeguarding the financial interests of consumers like myself. 

Failure to address this issue promptly and effectively will leave me with no choice but to seek assistance from regulatory authorities and consumer protection agencies. I trust that you will take this matter seriously and prioritize its resolution without further delay. With this, I am asking for your assisstance to remove these fraud items in my credit file : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$3000.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiries Included in Dispute : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

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 reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. XXXX & XXXX and XXXX 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 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 to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I, XXXX XXXX am unsatisfied at the negligence and the response of American Express when dealing with this issue and previous CFPB complaint. I ask the CFPB and AMEX to read through the attached documentation to understand where I am coming from and I ask the CFPB to help stop injustices like this and I am looking to pursue legal action if this complaint doesn't settle this bizarre incident in which my rights as a consumer are protected under the CFPB yet they are being neglected and played with by American Express.
Product: Credit reporting or other personal consumer reports

I bring to your attention some discrepancies that have come to my notice regarding the negative items present on my credit report. Upon reviewing my credit report, I have observed several negative items that do not seem to correspond with my financial records. 

I would like to emphasize that I do not have any outstanding debts with any creditors, nor do I owe any amounts that would warrant the presence of such detrimental records on my credit report. In an effort to rectify this matter, I have attached a copy of a certificate which serves as proof of my financial standing and the absence of any outstanding obligations. 

I kindly request your assistance in investigating the origins of these negative items on my credit report and in taking the necessary steps to rectify this situation. Maintaining an accurate and up-to-date credit report is crucial for my financial well-being, and I trust that your expertise will help in resolving this matter promptly and effectively. 

I appreciate your attention to this issue, and I look forward to your prompt response regarding the steps to be taken in addressing these discrepancies. 

Thank you for your time and consideration. I trust that this matter will be resolved satisfactorily with your help.
Product: Credit card

I applied for the AMEX gold card application # XXXX They've admitted that they are violating the ECOA XXXX I have spoken to them over the phone but they said there's no way they can overturn the decision because it's automated ... that's a lie. According to the ECOA, everyone should be equally treated in terms of credit. They have also violated the following : 15 U.S.C. 1691c, 12 C.F.R. Part 1002 Regulation B, Title 15 U.S.C. 1602 ( p ), Title 15 U.S.C. 1644 ( f ), and Title 15 U.S.C. 1611.

I made an application in good faith however I didn't get anything in return made & credit was not issued. Therefore, American Express is out of compliance with 15 U.S.C. 1642, U.S.C. 1681m and 12 C.F.R. 1002 Furthermore, because the social security number ( credit card ) was used in an application process, thus generating a promissory note, of which the principal has not received any benefit thereof, this constitutes fraudulent activity ( unauthorized use of credit card ) on behalf of American Express. The denial has caused injury and damages to myself, XXXX XXXX the consumer pursuant to 15 U.S.C. 1681n and 15 U.S.C. 1681o. This denial constitutes discrimination.

26 CFR 301.7701-11 as security is defined within the meaning of this regulation in reference to the social security number as ... or warrant or right to subscribe to or purchase, any of the foregoing ; negotiable instrument ; or money. - ( Source : 26 CFR 301.6323 ( h ) -1 ).

I have also filed a FTC report due to identity theft on my credit report which is affecting things here. The credit bureaus are taking forever to get this situated...

I've also NEVER given lexis nexis consent to obtain my personal information nor to allow them to disclose my personal information to XXXX party companies
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a unauthorized inquiry on a XXXX XXXX credit card. I believe someone used my identity to try to get a credit card. I also filled an FTC report because someone filled me for taxes.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the practices of the following companies on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX regarding the inaccurate reporting of my credit information, which I believe to be in violation of both Law 605 ( b ) and the Fair Credit Reporting Act ( USC 1681 ).

According to Law 605 ( b ), a consumer reporting agency must ensure maximum possible accuracy in the information it reports. However, the information reported by the credit bureaus is not only inaccurate but also misleading, causing significant harm to my credit standing and financial well-being. Despite my repeated attempts to rectify this issue directly with the bureaus, they have failed to respond adequately, which is unacceptable. 

Furthermore, USC 1681 outlines the responsibilities of credit reporting agencies to conduct reasonable investigations into disputes. It is clear that the bureaus have not adhered to these requirements, as they have neglected to provide evidence to support the claims, nor have they updated or corrected the erroneous information in a timely manner.

I would like the CFPB to investigate this matter thoroughly and hold the bureaus accountable for blatant disregard of consumer rights and failure to comply with federal regulations and doing a proper investigation. I am prepared to escalate this issue further, including potential legal action, if this matter is not resolved promptly.

I would like a prompt acknowledgment of this letter and a detailed explanation of the actions the CFPB will take regarding this issue. Please consider this matter urgent, as continued inaccuracies in my credit report will only exacerbate the situation.

Thank you for your immediate attention to this serious matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the fair credit reporting act XXXX account # 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 has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy. 
15 U.S.C 1681 section 604 A Section : It also states a consumer reporting agency can not Furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be investigated/updated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible 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

They contacted me and identified the debt amounting to {$830.00} and I never received information to verify and validate the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several wrong addresses that are being reported as mine on my credit profile and also there are multiple capital one and XXXX hard inquirys I have not done back to back and lastly there is a {$300.00} medical expense that was reported and that is not my bill. I was not in Florida at the time of the opening date of the file. Also that one medical report and credit card checks brought my score down 101pts in just a few days. I am very upset and need this fixed immediately. There is fraudulent activity going on and also false very negative affective reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two inquiries on my credit report that I did not authorize. 
I filed a ftc complaint for fraud per the suggestion of the credit bureau. ( FTC Report number : XXXX ) I disputed the inquiries to Equifax along with the documentation I received results from the credit report both inquiries were removed in report file # XXXX. 

I sent another dispute to the credit bureau XX/XX/21 with the copy of the results the inquiries showed deleted. 

I received the results today XX/XX/21 the inquiries are factual. 

This is in violation of the credit report act- reporting inaccurate information
Product: Credit reporting, credit repair services, or other personal consumer reports

REFUSED TO COMPLY WITH FCRA 609 and 611 I have received letters from Experian, XXXX and XXXX stating indirectly that they will not give the information that I requested under FCRA 609 and 611 Experian has received multiple requests for Method of Verification under FCRA 611 ( a ) ( 7 ) and has not complied. Refuses to supply any documentation about their investigations and how they verified the information. Making all their reporting legally unverified information. These requests where received on XX/XX/2021, and XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the recent hack of Equifax and release of personal information, including my own according to the Equifax website, I run the risk of identity theft. I have protected myself as much as I can since the news of this hack was announced.