23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

PNC is in violation of CAHBOR and acting as a foreclosure mill. PNC is illegally without cause trying to foreclose on a property without any valid reason. These issues are all being documented. Should PNC continue their illegal activity there will be a wrongful foreclosure lawsuit brought against PNC and we will seek out other potential victims for a possible class action suit for PNC 's illegal and unethical activities. 

At issue are loss mitigation requests that have been submitted to PNC that were improperly denied. The latest review was on XX/XX/18. PNC denied the request but wouldn't even say why they denied the request. It took a written formal demand requiring specific reasons as to denial of loss mitigation options. PNC 's response took an unbelievable 30 days to respond. 

Denying a homeowner a loss mitigation option when CA law requires lenders and servicers operating in the state to help avoid foreclosure without a detailed explanation on that denial upfront is a violation of that very law, CAHBOR. Requiring a formal demand with a detailed explanation and then taking 30 days to respond is criminally negligent. PNC put up these ridiculous obstacles to take away legal time homeowners have during a default process. They ate up time to get closer to foreclosure. 

Adding insult to injury the letter provided as to the reason for denial contains NO VALID reason for denial whatsoever. The two reasons cited in the letter ( attached ) are 1. The signature of the co borrower doesn't match records 2. Co borrower was removed from title.

Number 1 is handled with a simple notarized affidavit and driver 's license that clearly prove the signature belongs to the co borrower. Standard industry practice of lenders and servicers is to ask for this information when there is signature discrepancy. Instead PNC chose to hide such an inconsequential discrepancy for the purposes of illegally denying borrower 's right to avoid foreclosure. 
2. Co borrowers can remove themselves from title if they want. As the letter states it has zero bearing as to whether they are still liable for the debt. The two have nothing to do with eachother and since PNC acknowedges that co borrower is liable for the debt they also acknowledge co borrower was participating in the short sale request. So there is no reason for denial whatsoever. The fact that sentence was added to their letter shows how grossly incompetent PNC actually is.
Product: Credit reporting, credit repair services, or other personal consumer reports

File a dispute with XXXX, in XX/XX/XXXX and XX/XX/XXXX. I have 2 accounts that show status date XX/XX/XXXX and XX/XX/XXXX XXXX  did not investigate nor the companies I will upload the proof of my report on each account. Ordinal status dates from when account was open. I want these 2 accounts deleted.
Product: Debt collection

Unifin Reference Number XXXX from XXXX XXXX XXXX XXXXXX/XX/2009 total amount with interest is XXXX. Originally {$1100.00}. I had paid off all of my bills before I could sell my home in XXXX New York, XXXX XXXX XXXX, XXXX NY XXXX. I went through a lawyer to paid off my debts. I was free and clear. I moved to Florida and could not have been able to buy a new home, if I had this bills. Now they are sending me letter. Phone number on the letter is XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Caine & Weiner Subject : Dispute of Collection Account and Request for Removal from Credit Report To Whom It May Concern, I am writing to formally dispute the collection account placed on my consumer report. The collection agency has not provided the necessary validation information required under 12 CFR 1006.34 ( b ) ( 5 ), and yet, the account has been reported to the credit reporting agencies.

Additionally, I have not been given the opportunity to dispute this account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ). As such, I believe my consumer rights have been violated.

The collection agency is using false, misleading, misrepresentation, and deceptive means in its efforts to collect this debt, which is a clear violation of my consumer rights. Moreover, the agency has no authority to furnish any account information to consumer reporting agencies without providing all required disclosures, as mandated by 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ).

Given these violations, I am requesting the immediate removal of this collection account from my consumer report. Failure to comply with this request will leave me no choice but to pursue further legal action to enforce my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 



Date Opened XX/XX/year> Balance {$1100.00} Please acknowledge receipt of this letter and confirm, in writing, that you will remove the collection account from my consumer report. I expect a response within 30 days from the date of this letter. 


Thank you for your prompt attention to this matter. 

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

I am writing to bring to your attention a serious violation of the Fair and Accurate Credit Transactions Act ( FACTA ) - 15 U.S.C. 1681m by the debt collection company, XXXX XXXX. I kindly request your assistance in addressing this violation and ensuring the immediate removal of the negative account they have reported on my credit report. 

Upon reviewing my credit report, I discovered that XXXX XXXX  has reported a negative account that does not belong to me. This inclusion of an inaccurate account on my credit report not only misrepresents my creditworthiness but also violates the provisions outlined in FACTA. Despite my repeated attempts to rectify this issue directly with XXXX XXXX, they have failed to take any appropriate action to correct their mistake. 

I urge the Consumer Financial Protection Bureau to conduct a thorough investigation into XXXX XXXX XXXX  violation of FACTA. Their failure to comply with the regulations outlined in the Act has significant repercussions on my financial well-being and undermines the accuracy and fairness of the credit reporting system. 

I kindly request your intervention to ensure XXXX XXXX XXXX compliance with FACTA and the immediate removal of the inaccurate account from my credit report. Additionally, I believe it is crucial to hold XXXX XXXX accountable for their non-compliance and to enforce the necessary penalties or corrective measures. 

Enclosed with this letter, please find copies of relevant documentation, including my credit report highlighting the disputed account, as well as any supporting evidence that demonstrates the lack of association between me and the reported account. I trust that this information will aid in your investigation and contribute to the resolution of this matter. 

I greatly appreciate your attention to this matter. It is my sincere hope that the Consumer Financial Protection Bureau will take swift action to address this violation, restore the accuracy of my credit report, and safeguard the rights of consumers. I look forward to your assistance in resolving this dispute. 

Thank you for your time and consideration. Please do not hesitate to contact me if any further information or documentation is required.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending Certified Mail, Return Receipt Requested complaints to XXXX XXXX and the Small Business Administration that there were unauthorized credit inquiries made by their organizations on my XXXX, Experian, and XXXX  credit files, I received form letter responses and no action was taken. 

I then contacted XXXX, Experian, and XXXX  regarding unauthorized Credit Inquiries made by XXXX XXXX and the Small Business Association, and requested these unauthorized inquiries be removed. Again, I received form letter responses with no action taken or no response at all. 

I informed all the above parties that I wanted to see my written authorization granting them the right to make a credit inquiries, and no corrective action was taken.
Product: Debt collection

Illinois Lending has been contacting me about loan payment. I have already notified them that I have sent several written checks to their offices, to which they say they can not accept because they have no correspondence with the office I sent it to due to it being closed. I have made them aware that since these came from my electronic bill pay account through my bank, the money has already been taken for submission to them and I am awaiting the time where it is re-credited to my account. After this, the company started calling me more than once within an hour and then started calling me privately and leaving voicemails. I would sometimes get calls back to back from my regular phone from their XXXX number, then private calls from them following this with left voicemails identifying themselves, and later within the day they would call my business to speak with me and after speaking with me would call right back to let me know that they need payments after we had just discussed it. I have been contacted by XXXX, XXXX, XXXX, and several others both by anonymous ( private call ) and regular call with identification over 30 times this week alone and we are only 3 days in.
Product: Credit card

In XX/XX/XXXX I applied to receive a Citi Bank XXXX XXXX XXXX XXXX. I did a balance transfer from XXXX XXXX to Citi Bank in the amount of {$2400.00} to reduce my credit card so I could pay the remaining balance off and increase my credit rating for financial needs. After several months I noticed that the payment did not reflect on my XXXX XXXX XXXX XXXX. I called Citi Bank and they insisted and confirmed my account number with XXXX XXXX XXXX that they sent an electronic payment in the amount of {$2400.00} in XXXX. When I called XXXX XXXX XXXX they insisted they never received a payment. I submitted official inquires to both companies. Citi insist they sent the balance transfer via electronic transfer, however, a customer service agent revealed that they sent it to a physical address. This is consistent with XXXX XXXX claims that a check was sent to the wrong address. If this is the case, this could have been resolved back in XXXX. It is possible that XXXX XXXX was only going off the information reported by myself or customer service. With that in mind Neither Card holding company would provide me any proof regardless of multiple request. I also asked that I be allowed to do a three way call with the two companies to try and get this resolved. They both explained they were unable to do this. I did communicate that I was considering hiring an attorney and would be seeking damages and asked kindly to please help me resolve this. Neither company could refer me to a anyone to provide me with information to get this resolved. XXXX XXXX XXXX said in a call on XX/XX/XXXX that Citi bank sent the payment to po box XXXX XXXX, AZ and that is not their address. Citi Bank insist that they sent the payment electronically and 'Now ' denies sending it to po box XXXX. I reported this inaccuracy back in XXXX. Neither credit card company will accept liability. During this time I paid interest an payments on both credit cards. Citi bank continues to charge me for the XXXX and processing fees with interest. XXXX XXXX continues to charge me the XXXX plus significant interest. I was unable to pay my credit card off and this has damaged my credit and kept me from being able to find housing for my family based on my lowered credit rating. On XX/XX/XXXX I called XXXX XXXX XXXX XXXX regarding a letter about my payment inquiry that said that they could not provide any information. When I called I was told that Citi Bank sent a check to XXXX XXXX XXXX XXXX AZ and it is the wrong address. When I called back to Citi Bank they denied this they told me
Product: Mortgage

Ocwen is reporting an old large balance for years and it needs to be fixed or deleted.
Product: Debt collection

They have called me serveral times including my mother XXXX my father XXXX stepmother once and my daughter XXXX. They have accused me of multiple things but all different to each person. They called from an unknow number telling each of us we need to call ARA at XXXX by end of day or we would all be served. I call back and question them and informed them that I paid on the loan and they told me to prove it to the judge and hung up on me. But they keep calling all of us. They called me using our local sheriffs office number and when I called it back they informed me they dont make phone calls like that. They called my father stating they were from the State when he asked for a phone number to verify it she stated she couldnt give that information out and hung up.
Product: Checking or savings account

I am located in Florida. On XX/XX/21 I checked my TD Bank account balance on line and discovered that my account had been drained, someone withdrew a total of {$23000.00}, at a TD Bank location in XXXX. There were three withdrawals directly at the branch, dated XX/XX/21, for {$9000.00}, then {$9300.00}, and {$4700.00}, and XXXX ATM withdrawals for {$100.00}, and {$380.00}, on the same day. My wife and I immediately called TD Bank and we notified the fraud department. I was instructed to go to my branch in XXXX, FL, and file a fraud report. The TD rep at the branch looked at the transactions and informed me that on XX/XX/21 someone impersonating me went to a TD location in XXXX requested to be issued a debit card to my account, TD Bank issued the card to them, and this person or persons subsequently went to the teller and in three separate occasions withdrew large amounts of cash totaling of {$23000.00}. Then they took more money out at the ATM. I own this account together with my wife. We went to the police and filed a report on XX/XX/21. 
At this moment, TD Bank has not given us any answer as to how they allowed this to happen. The money has not been refunded to the account. We have been to the XXXX branch every day, they are telling us that we need to speak with the Fraud department. We have been calling the Fraud department repeatedly and put on hold for 2, 3, 4 hours, day after day, nobody ever picks up. Do they even have a fraud department?? I tried to reach supervisors repeatedly, no one was able to give us any indication as to what happened and how and when we will recover our money.

It is unconceivable that somebody out of state would obtain access to my funds so easily, with no questions asked. No red flags went off. No email or any message was sent to warn me that a debit card was being issued for my account, to verify that I indeed requested it. On the same day, three large cash withdrawals were made, of {$23000.00}, in a different state, in person, at a branch, and nobody at TD questioned the validity of these withdrawals, they just gave the perpetrator ( s ) my money!! How is this possible? I have been banking with TD for 8 years, my banking patterns are well established, how come these unusual transactions were not an alarm signal to TD? Where are the cameras, where are the video recordings showing how a teller at TD gave the entire content of my account to a physical person who was not me, in XXXX, when I live in Florida? This is such gross negligence! To add insult to injury, it is literally impossible to reach the so-called fraud department, they just do not answer the phone, and the supervisors have an terrible attitude. 
I need TD Bank to restore my funds immediately. That is why I keep money in the bank, so it is safe and secured, and protected from being stolen.
Product: Student loan

I have a private loan with Navient/Sallie Mae .

Over the course of my repayment, I had difficultly paying, and when I called, the only option was to defer or apply forbearance, compounding the total amount of my loan. I was NEVER offered lower rates or an income based plan. They told me this was not possible. 

My original loan amount was around $ XXXX for a XXXX degree from XXXX. I think this falls into a subprime category, considering it is absurd I would be able to pay that back from the degree. I do not come from money. I lived in a trailer park as a kid and we thought going to college was the right thing to do, and Sallie mae / Navient offered me a predatory loan when I was XXXX. 

I have paid over DOUBLE the amount of the original loan, roughly $ XXXX. 

I have about XXXX left. Considering I was never offered repayment options, and that my loan is subprime, I would AT LEAST like the remaining amount forgiven. Navient and Sallie Mae subjected me to unfair and deceptive student loan servicing practices and abuses in originating predatory student loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX deleted my account from the credit report yet it is still there and i paid off all my credit cards so there should be a XXXX balance fix or delete
Product: Debt collection

I received a call from Diversified Adjustment Service Inc. indicating they were attempting to collect a debt on a payday loan I never solicited or received. The call was followed by a letter I received on XXXX/XXXX/XXXX ( the letter itself dates to XXXX/XXXX/XXXX ). I called in reply to the letter, and confirmed that in order to dispute it formally, I had to do so in writing, which I did the same day via email. I sent documents in support of my position that I never received any such loan - specifically bank deposit statements from the period in question showing no deposit of any kind for the amount in question. The collection agency claimed the original loan was issued on XXXX/XXXX/XXXX, and then remanded to collection later ( around XXXX of XXXX ), however I received no communication until XXXX - mostly in the form of phone calls from differing numbers, none of which can be returned at the same number. After formally disputing the debt in writing on XXXX, a call was made to me at XXXX XXXX on XXXX, demanding immediate payment of the debt, in violation of and in indifference to the following : XXXX. Validation of debts [ XXXX XXXX XXXX ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I have made several attempts to contact the original claimant, XXXX XXXX XXXX XXXX, who remain at this time unreachable by phone to me - only customer service and technical support are reachable. I was transferred to someone from HR/Payroll, however, my call instantly went to voicemail, and has as yet not been returned. My login for the Agent Services page on the company 's HTML site ( XXXX ) is valid, but the page has no content other than a link to the site homepage, and the link to the agent services page ( XXXX ) on the homesite ( XXXX ) is currently locked, with technical support having sent me an email claiming it will fix the problem within 48 hours. At present however, neither the original claimant ( XXXX XXXX XXXX XXXX ) nor the debt collection agency have provided any documented proof of the debt, or given me reasonable access to it.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of the information regarding the collections account listed below on my EXPERIAN credit report, in accordance with the Fair Credit Reporting Act ( FCRA ), specifically sections 605 ( c ), 604, and 605 ( b ). Upon reviewing my credit report, I noticed that the information related to this account is inaccurate. I request that EXPERIAN conduct a thorough investigation of this account and verify its accuracy, as mandated by the FCRA
Product: Payday loan, title loan, or personal loan

Well they Loan me a XXXX dollar but in return I wouldve to paid XXXX back which I think thats way to much so I assume they trying to scam me ..and also the percentage rate is XXXX which really not adding up so I want help out of this Loan situation please!
Product: Credit reporting, credit repair services, or other personal consumer reports

One loanwith XXXX has been paid in full as agreed since XX/XX/2022. XXXX hasn't reported to the credit bureaus since then and it still shows a balance on my credit report. I have disputed with the bureaus amd it remains and have contact XXXX directly with no resolution. 

A second loan with XXXX hasn't been reported on since XXXX and the balance is incorrect by over {$1000.00} USD
Product: Checking or savings account

I deposited my inheritance check on XX/XX/2023. I was told the funds would be available on XX/XX/2023. Theyre not available, and now there is not available date listed. Also the normal {$220.00} thats made available to everyone else when a check is deposited was not made available to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am appalled to see that the Accounts I have been disputing were not corrected after acquiring an updated copy of my Credit Report. I have been sending countless letters to the Credit Bureuas urging them to correct the accounts from erroneous reporting, however, I am disappointed to see that the Credit Bureaus have done nothing. The last letter I sent to the Credit Bureaus on XX/XX/XXXX requests that the Items I believe report inaccurate information must be corrected. The Credit Bureaus never responded to the Letters I previously Sent before XX/XX/XXXX which is a violation of the Fair Credit Reporting Act, 15 USC sections 1681i, which the Credit Bureaus are obligated to finish their investigation within 30 days. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), I need the following accounts corrected now : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance {$1200.00} Date opened XX/XX/XXXX THE BANK XXXX XXXX XXXX Balance {$200.00} Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance {$1800.00} Date opened XX/XX/XXXXXXXX XXXX
Product: Debt collection

On XX/XX/XXXX representing XXXX XXXX XXXX, Schlee & Stillman LLC, sued me in state court for an alleged credit card account that I have never seen before.
The debt was disputed from the beginning. Neither XXXX XXXX XXXX nor Schlee & Stillman LLC could not validate and verified the debt.
In court they filed an affidavit that was prepared and signed onXX/XX/XXXX. The affidavit calls me a " defendant '' 1 year and 3 months before I was sued. This type of affidavit ( bogus ) was penalized by the OCC. XXXX XXXX XXXX and XXXX XXXX XXXX paid XXXX XXXX after a Consent Order AA-EC-2015-1 and AA-EC-2015-2 dated XX/XX/XXXX.
According to this Consent Order, XXXX has violated few months later by doing exactly the same thing they promised not to repeat.
The plaintiff has not filed any contract or terms and conditions with the case.