23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Selling my mortgage to a Business That Is Not BBB Accredited Mortgage Company.  XXXX    XXXX    XXXX . Without giving us an account number or without approval from us. Leaving me open for more of their stealing and helping  XXXX  to do what their past complaints consisted of to me. Got notice today and It starts  XXXX   XXXX    XXXX  . Less than  2weeks.  Spoke to  PNC (   XXXX   )  she did not care. I took out the loan with  National City Mortgage Company. National  City was bought out  by PNC. I called PNC yester day and asked for a supervisor call us., they did not call us.  XXXX  said they have nothing to do with us any longer because they do not have our mortgage any longer. We have been paying on time for almost 16years. This is our home. We have more than nothing to say about who we do business with. Nationstar is the worst business they could have dumped us on. Nowhere on or contract does it say that they could sell our mortgage. We never implied or signed anything allowing them. .Nationstar just got fined  XXXX   XXXX  Dollars fine last month. I was told by  XXXX  to call  XXXX  to get this information .I got a tape telling me that they would call me back. They did n't either.  XXXX  is also where my checking account is with no bouncing checks. Where did we go wrong. Nowhere.PNC went wrong. Just because their a bank that does not give them the wright to do what ever they want. I served my Country and I expect the lawful authorities to do there jobs. It amazes me how a company like  XXXX  stays in business. Own and operated by crooks. There are  XXXX  reviews about  XXXX  bad, XXXX  Neutral  XXXX good. All the complaints are of the same nature.Stealing, charging fines after suddenly misplacing their payments making payments late drawing late fees. ect..This is where PNC dumped my wife and I. We are  XXXX  and we do not or will not deal with thieves. The Government needs to shut down  XXXX  and not allow Banks lik e PNC t o dump you in the middle of this mess.PNC was our 2nd Mortgage company. We still have no payment book or even an account number. Would you trust them? I feel like we are being set up by PNC to later have  XXXX  steal from us.  PS My si ster had  XXXX   XXXX   XXXX .  3months ag o they foreclosed on her home .She said her payments disappeared. Payed through her bank.  XXXX  &amp;  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Ohio  XXXX   XXXX . Please leave message been getting allot of sales calls since this happened.  XXXX  XXXX  XXXX
Product: Bank account or service

An unauthorized purchased was made to my savings account, I contacted the merchant and they immediately reversed the charge made by XXXX Merchant. Wells Fargo charged me {$35.00} fee. Called to reserve the Overdraft Protection Fee, because no service was render because service was n't authorized to be made because the charge was authorized. Wells Fargo agent over the phone said the fee was legit because I did n't have funds to cover transactions. I asked the agent if the transaction was reversed, Agent said yes, XXXX did not collect {$16.00} because they reversed it because it was authorized. Agent offered partial refund of {$26.00} for the Fee of {$35.00} leaving a debit of {$8.00}. I asked the agent why they did n't refund entirely because no service was render, she said it was legit because service was rendered. I told her, no, Wells Fargo got the money. She said no. I asked her several questions in which she admitted no service was render and the fee was " unnecessary '' because it was unauthorized. Although Agent could not herself refund entirely. Well Fargo sets high restrictions preventing employees to correct legal issues when unauthorized transactions take place, Wells Fargo penalizes consumers when unauthorized transactions take place from bank accounts that are forcefully attached to their XXXX account through a contract between Wells Fargo and XXXX allowing XXXX to add all banks accounts from consumers. XXXX account had an unauthorized charge, XXXX reserved charged. Wells Fargo received charged of {$16.00} by XXXX but was reserved by Merchant. Wells Fargo charged bank account holder {$35.00}, reduced it to {$8.00} when I complained. Wells Fargo Agent over phone said it was " unnecessary '' for the fee but under restrictions set by Wells Fargo was unable to provide the full refund to a service that was never rendered/authorized. Wells Fargo Agent made every attempt to place the blame on me, but after questioning the agent through a varies of legal questions whether a bank can legally place a fee on an unauthorized bank transactions, she could not defend the company. Admitted it was " Wells Fargo '' who placed the fee on the transaction, but admitted it was n't the consumer 's fault because the fee was " unnecessary. ''
Product: Credit reporting or other personal consumer reports

I found unauthorized inquiries on my credit report today, and Im incredibly frustrated because I have no clue why theyre showing up. After checking my credit report like I normally do, I noticed these discrepancies. I even tried refreshing my browser, thinking it was a glitch, but nothing changed. I demand that the documents I sent are reviewed immediately so this issue is fully resolved and never recurs.
Product: Credit reporting, credit repair services, or other personal consumer reports

A collections was put on my report from XXXX XXXX XXXX in the amount of {$1400.00}. To this date this account has not been validated according to 15 USC 1692g. In addition my rights under 15 USC 1681b have been violated because I never gave Transunion permission to furnish said account.
Product: Debt collection

The company Capital One Bank USA N has took action against me in hurting my consumer credit report by reporting wrong information. They are attempting to collect {$2700.00} dollars. They have continue to report charge off to my account. the company took action in calling every day of XXXX XXXX XX/XX/XXXX to attempt collect a debt owned to them, harassing and using aggressive tone matter on me, during a time where i was injury at work mentally and physically by court order for the XXXX to XXXX year. I ask them to please stop calling me till further notice, which violated my consumer rights under section 15 U.S.C 1692 having a debt collector harass, or use tactics that include trying to collect a debt. This issue should be resolve as it has step me from getting consumer credit, and have tarnish my credit report information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX ( Original Creditor : XXXX XXXX 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
Product: Debt collection

Discover bank fraudulently tried to collect a debt that was paid off. I was never notified of any action, they forged my signature in order to deliver paperwork to an old address that I don't live at. I sent back the paperwork and disputed their debt collection but the ignored my dispute and my cease and desist orders. Discover Bank is in violation of multiple us codes including, 15 USC 1692b ( 4 ), 15 USC 1692d ( 1 ), 15 USC 1692b ( 2 ), 15 USC 1692b ( 2 ), 15 USC 1692j ( a ), 15 USC 168h ( e ), 15 USC 1692b ( 5 ), 18 USC 1708, 18 USC 1703, 18 USC 1702.

All of these fraudulent charges and violations were submitted to Discover Bank and the XXXX County Clerk of courts on XX/XX/2021, along with cease and desist orders, a fee schedule and an invoice for the charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent information to the bureau about a XXXX XXXX  account that i had to submit a claim to you about but now Experian will not fix it in my credit bureau. XXXX  and XXXX XXXX have but Experian has not. Please help. I have even sent them the letter from XXXX to delete the account and still nothing.
Product: Debt collection

I was called on XX/XX/XXXXin regards to a debt with a leasing company. When I initially got the letter I tried to call to set up a payment plan to get the debt payed off. No one ever returned my call. On XX/XX/XXXX I received a call from IQ DATA INTERNATIONAL. The rep stated that I had until XX/XX/XXXX to make the payment in whole or they would be forced to put the debt on my credit. I explained to her that I would not have {$1100.00} by XX/XX/XXXX and could I arrange To make payments to have it paid off by the end of XXXX. She told me no that they could not do that and that she would put a senior account associate on the call. The senior account associate asked me if I could write a check my phone for the full amount on XX/XX/XXXX and that they would cash it on XX/XX/XXXX. At that point I didnt feel comfortable so I asked if he would hold on while I called my husband. Once my husband got on the phone he stated that he could take the debt down to {$800.00} if we paid by the end of XXXX and my husband told him we wouldnt have it by then. He then proceeded to say that it would be considered failure to pay and it would go on our credit. I asked once again could we not make payments and he stated we couldnt and he hated what was about to happen to us. So at that point I got upset. I asked what do you mean what is about to happen to us. He said he was an at liberty to say. I asked was he gon na garnish our wages and he stated more than likely. I then asked him why would they just call and and want payment immediately like that. This is the first time they have tried to reach us. He then began to yell and he got very volatile with us and hung up in our faces.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that This information was erroneous. The XXXX and Transunion bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Checking or savings account

Hello I have an account with navy federal credit union my card was stolen recently and it was several charges made which I didn't notice because I had just placed the funds in my checking account for my monthly bills to be paid but after receiving a call from one of my bills that the funds were not available for the bill I quickly checked my account then looked for my card then called navy federal credit union they took my dispute I told them I believe someone took my card after leaving XXXX the same day I went to the bank I was advised to go to a branch and get a new card I'm physically XXXX so I didn't have a way there right away but when I got there a week later i drove almost two hours away from my home an they informed me that my debit card privileges was suspended for a year which is totally unfair to me im physically XXXX I most times use my card to deposit money for bills it's like being victimized all over again this time by my bank a year is very harsh they're making it seem like I did something wrong and I absolutely did not i reached out for an appeal i have screenshot they responded within two days saying their decision was final it was the fastest appeal i have ever saw please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a call from XXXX XXXX with Guild Mortgage, stating that I needed to redo my refinance. I questioned him because I had just finished my refinance three months prior with with Guild, and he wasnt my loan officer. He told me he was taking over for my loan officers workload and advised that my file had been audited. He told me the refinance would be at no charge to me because they had messed up on the refinance and the it would benefit me cause I would've getting a lower rate. I told him I had concerns with my credit and didnt think I would qualify any longer because my credit score was now under 580. XXXX advised not to worry because they would have to pay for all the fees even for the credit repair. I didnt feel comfortable with his answers and didnt understand what he was telling me, I talked to my prior loan officer who no longer works for Guild to see what the problem was. I advised I would give him a call back the next day.

My prior loan officer confirmed that my loan had been audited, but when I advised him that my credit score was below 580, he told me they may not be able to do the refinance because of that. I sent XXXX a message letting him know that I was willing to help get the refinance completed. Then I saw there was a credit check done a couple minutes after I had gotten off the phone with XXXX the previous day. I did not give consent to pull my credit report because I had concerns with my credit score. Since XXXX has pulled my credit I have tried numerous times to call and email to get a response from him on what was going on and why my credit was pulled. In my attempts I have only spoken to his assistant XXXX. She advised he would be giving me a call back and to this day I have not received a response email or a response call from XXXX. To me it feels like he pulled my credit even though I advise I had concerns with my credit, to find out my credit wasnt in the shape it needed to be in order to do the refinance. XXXX was not listening and his only concern was to get the audit cleared on my file and wasnt listening to me when I said my credit wasn't where it should be. I didnt understand why my file needed to be redone and what he was asking me. He was confusing and not listening to me as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I reach out to CFPB a few weeks ago on this matter with ya 'll giving a complaint on Experian, XXXX  and XXXX. Their reaging false accounts on my credit report and have yet send any verified information with my signature on any of these accounts they literally deleted that you'll see in my upload files but then put accounts back on as a New Account. Which is a Violation of the FCRA Section 623 and Violation FDCPA 806B
Product: Credit reporting or other personal consumer reports

I have recently reviewed copies of my personal consumer credit reports and found questionable and/or inadequately verified data in the records maintained by your company. It appears that this information, previously removed, may have been re-added to my credit profile by your office ( XXXX ) without the required XXXX notice, a violation of the reporting regulations you are obliged to follow. 

Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within XXXX business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Incorrect Previous Address : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXXXXXX Employer - XXXX XXXX  Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged 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 Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Credit card or prepaid card

I requested a refund on XX/XX/XXXX and was granted one on XX/XX/XXXX. The credit card company never refunded my money and made my account liable for the amount I was supposed to be refunded. I have contacted the company numerous times and was told I was already given a refund. As of XX/XX/XXXX my account has not received payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the month of XX/XX/2018, I had the means to pay off a car loan that was past due. Due to my ex-wife not sending in her payments on time, the XXXX XXXX XXXX was approaching repossession status by the time I was finally able to get it back from her after our divorce. Once in my possession, I gave Capital one auto customer service a call. I informed them of the matter and that I was willing to pay the auto loan off in full in hopes of getting my credit score back on track due to the two-plus years of late payments that my ex-wife was responsible for. The customer service agent informed me that correcting those late payments would not be an issue and that all was needed was the payment in full. I agreed to pay the remaining balance in full early for the agreement. Between the dates of XX/XX/2018 and XX/XX/2018 I paid a total of {$8700.00} in hopes of correcting the issues at hand. Once the payments were  processed and were official, I called capital one auto once again to get information on when my title would be mailed off and also the status of the correcting late payments. I was told by multiple customer service reps that, that was an issue I would have to take up with the reporting credit bureaus. On XX/XX/2018 I sent off goodwill letters via USPS to Capital one auto finance department and also the reporting credit bureaus. Also on XX/XX/XXXX, XXXX and also XX/XX/XXXX, I emailed capital one about the matter. I received a call from capital one auto on the morning of XX/XX/XXXX informing me that they would not remove or update the late payments as paid on time. I have not heard anything as of yet from the reporting bureaus regarding the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally financial Denied my right to credit on XXXX XXXX2021, which I applied in good faith. They send me the reason for denial and in the letter I notices the company they received the credit application from was false and inaccurate! I went to XXXX XXXX, to do business my application is from a different company. This is inaccurate information. 

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

I noticed multiple inquiries and an account from XXXX XXXX that do not belong to me. I called each bureau and they all told me to submit a dispute so I did just that. Its been over 40 days and NO RESPONSE YET, please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer by law, this has not been submitted in error. 
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 U.S.C 1681. 

Inaccurate Name : XXXX XXXX XXXX XXXX XXXX - XXXX XXXX Inaccurate Address XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Inaccurate Address XXXX : XXXX XXXX CT XXXX XXXX XXXX NY XXXX Account 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 Acct # XXXX Have violated my rights Account Name4 : XXXX XXXX - Account # XXXX Have 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 : Also states a consumer reporting agency can not furnish 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,, other than records of convictions of crimes which antedates the report by more than 7 years 15 Y.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: Credit card or prepaid card

need for Experian, XXXX, and XXXX to REMOVE these accounts that were Furnished without my written consent ; 15 U.S.Code 1681b. In order to furnish my report, You must have my written consent. I did not give my written consent and I did not give Anyone written consent to login to a court website and furnish my information Upon my consumer report. I have the right to privacy as a consumer under 15 US Code 1681b ( a ) ( 2 ),
Product: Credit reporting, credit repair services, or other personal consumer reports

Was diagnosed with covid and was ill. Called to make payment after recovery, autoamated system did not record payment. 
Original payment submited XX/XX/2020 recorded XX/XX/2020
Product: Mortgage

My name is XXXX XXXX. Me and my husband, XXXX XXXX, are co-borrowers on a mortgage which secures our house located at XXXX XXXX XXXX in XXXX, MA. 

In XXXX, XXXX XXXX acquired my home mortgage loan and sent me a bill for {$1100.00} for " forced-place insurance '' which they included in the escrow portion of my monthly mortgage payment even though I was already paying a homeowners insurance company a monthly premium. I sent a copy of my insurance policy to XXXX to show them that I was already paying my insurance premiums. Despite having received my homeowners insurance policy, XXXX continued to charge me anyway for the next three years, from XXXX, by including the lender-placed insurance into my the escrow portion of my mortgage payment. I was ultimately charged {$3500.00} over the period from XXXX to XXXX. 

In XXXX, by mortgage loan was transferred from XXXX to SN Corporation. Like XXXX, XXXX XXXX also sent me a bill for {$1200.00} for " XXXX XXXX '' which they included in the escrow portion of my monthly mortgage payment even though I was already paying a homeowners insurance company a monthly premium. I sent a copy of my insurance policy to XXXX XXXX to show them that I was already paying my insurance premiums. Despite having received my homeowners insurance policy, XXXX XXXX continued to charge me anyway for the next three years, from XXXX, by including the lender-placed insurance into my the escrow portion of my mortgage payment. I was ultimately charged {$2500.00} over the period from XXXX to XXXX. In addition to imposing lender-placed insurance on me, XXXX XXXX also failed to pay my property taxes in XXXX, leaving me vulnerable to foreclosure by the XXXX XXXX  XXXX. On XX/XX/XXXX, I received a Notice of Non-Payment of Property Taxes from the City even though it is not my responsibility to pay the city. It is XXXX 's responsibility to pay the municipal property taxes because they include this in my mortgage payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has false information on my report that I have fairly attempted to resolve with them and been unable to do so. There is a blatantly false and misleading entry stating that I wrote bad checks on an account for RBFCU ( an account that was shut down during bankruptcy while checks were outstanding ), and this did not happen. Their investigation took the company at its word and did not properly investigate this false allegation. XXXX has wrongly claimed to have verified the information leaving me with no available remedies