23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXXXXXX XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened opened at XXXX XXXXXXXX XXXX  on XX/XX/2024, under the account number ( XXXX ), a personal credit card account opened at XXXX XXXXXXXX on XX/XX/2024 under the account number ( XXXX ) with a balance of {$860.00}, and another personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX  under the account number ( XXXX ) with a balance of {$420.00}. These accounts have resulted in several fraudulent hard inquiries appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

I would like to know if PNC bank loan officer violated any laws. And if there is any way PNC can refund the money we paid for an appraisal that should have never being ordered by PNC bank.XX/XX/XXXX my husband and I applied for pre-approval of a mortgage loan with PNC Financial Services Group, XXXX XXXX XXXX MD XXXX. We were pre approved so we began looking for a property. From day one I was clear with our Pnc loan office XXXX XXXX XXXX ID XXXX that we were looking to buy a property that may need repairs. After we found a property I informed XXXX about the condition of the property, it was a foreclosure. The HVAC system was destroyed, some pipes and sheet rocks was missing from the basement area. XXXX said once there was a kitchen we should be fine. When our contract was accepted, we sent a copy to XXXX ; now I am not sure if he went over it. It clearly stated we were buying the property As Is. And on several occasion XXXX said the XXXX condition was not a problem because our agent was also concern about HVAC condition.XXXX suggested we could ask seller to fix. I reminded him we agreed to buy as is so they would not fix, XXXX then said he can set up an escrow account for repairs. He was clear about it because the seller agent was trying to see if seller will pay for follow up inspection after we close ; to ensure that repairs were done. After the appraisal the underwriters wanted the pipes replace, Hvac fix and sheet rocks replace. XXXX still said he can set up repair escrow account ; we got contractors to go out and look at the property. After all that he comes back and say the property may have mold, we need mold certification and later that same day he calls our agent to ask him if he can get seller to make repairs. Apparently XXXX did not know that PNC could not create an escrow account for the repairs, they did not provide that service. How can he work for PNC as a loan officer but do n't know what product they provide? Why should hard working people suffer because he do n't know what he is doing? He Placed our {$2000.00} earnest in jeopardy and we lost {$500.00} on the appraisal. The time we lost in the process is the worst part, we are renting and every day counts. After I confronted XXXX he said he can pay out of pocket for our next appraisal but we need to find another property, because PNC can not finance our current property. I always taught it was the loan officer responsibility to know what product thier company offers. He even recommended a lender we could use, like we was crazy enough to use his referral. Who gives him the right to tell us what property we should buy, the way he handled everything was very deceitful. I have reached out to his manager and he was no help. No one should have to go through what we had to endure with our loan officer from PNC bank.
Product: Debt collection

I have had vision coverage for eye exams for over a decade. I went to my local optician, XXXX XXXX XXXX XXXX ( Now known as XXXX XXXX ) in 2020, and they mis-billed my eye exam. I have received statements from them and called them directly and they said they would take care of it. For years I have been trying to get this resolved as they are asking for {$260.00} for a simple eye exam that should've been covered 100 % with my plan. I have countless notes and phone calls between them and XXXX XXXX XXXX out of XXXX XXXX, MI. I even have a voicemail from XX/XX/2020 from XXXX, customer representative, saying my balance has been taken care of. However, I continue to receive phone calls from AmeriCollect regarding this debt owed and I refuse to pay it when I had eye care coverage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity theft Fraudulent account
Product: Checking or savings account

My son was contacted by email from Wells Fargo bank stating that an account was opened in my name and asking for my social security number to verify, which he stupidly gave him.
Product: Credit reporting, credit repair services, or other personal consumer reports

COMENITYCB/XXXX  '' appears on my credit reports still with a balance of : {$1900.00} and needs removed. I am currently financially impacted by the covid19 disaster. Secondly, this is old debt and is no longer valid or collectible. Also, please note that the phone team was incredibly rude and unprofessional. To the point I deemed it tribalism and employees sabotaged the servicing of my account there after. Refusing to transfer to a supervisor in a timely fashion. Pure obstruction and internal employee sabotage. The amounts were wrong and this was prematurly thrown into collections. Very disrepectful and also illegal. This is not a valid debt and statues have long expired. The company was notified with many attorney general complaints and bbb complaints but refused to remedy. Siding with the young intimidating phone representatives who are immune to oversight or accountability. At one point they asked if I voted for XXXX XXXX. This sort of behavior has since been termed " XXXX XXXX XXXX '' and this call center in Colorado must all suffer from it. Especially the females who mis serviced us with this debt. Please remove this unlawful debt that is still showing on all my credit reports. XXXX, XXXX  and XXXX  should all be notified to remove this debt. We will sue civilly if this problem isnt immediately remedied.
Product: Mortgage

I sent a rescission in to Select Portfolio Servicing on XXXX/XXXX/2015, they acknowledged the rescission ( XXXX/XXXX/2015 ) and I would like them to comply with the rescission requirements. 
They did not file any action within 20 days of receipt of the rescission.
Product: Checking or savings account

Its been almost three months since you restricted my access to my account. I have been repeatedly requesting for information and was not provided with any. You keep telling me to go to my originating bank for an ACH reversal or hold harmless letter and I have told everyone that my originating bank cant do it. THIS IS MY MONEY. IT IS ILLEGAL TO NOT PROVIDE ANY INFORMATION ON HOW TO UNRESTRICT MY ACCOUNT.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims and adequately. They informed me that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of transparency and accountability is unacceptable and raises concerns about consumer safety.
Product: Debt collection

Lobel Financial Corporation has contacted my employer to collect on a debt that is eight years old. The statute of limitations has ran out from when it originated with the original creditor. According to the state of California, the statute of limitations is four years. This company has contacted my employer that is laying me off XX/XX/2021. The garnishment of 25 % is to take place on XX/XX/2021. This debt is not on any of the credit reporting agencies.
Product: Payday loan, title loan, or personal loan

The company I borrowed money from us based out of Kansas. The entity is speedy cash, the XXXX XXXX XXXX, XXXX XXXX, and related entities. First they hacked into my email and began tracking all of my email to my contacts. Then they began filling misinformation campaign against me through various entities. They gave run an illegal cyberstalking campaign against me, as well as paid individuals in auctioned cars and loaned to help harass me. Theyve also spread false news about me, and had me falsely XXXX. I tried to pay off my loans but lost my job. Ive paid the speedy cash loan several times, and they keep saying they cant get in contact with me and have garnished the same loan from me through XXXX law office in XXXX, Ks, XXXX they saying I still owe them. The harassment has been obscene.
Product: Credit reporting, credit repair services, or other personal consumer reports

YOUR COMPLAINT To whom it may concern XXXX, Equifax, XXXX The following inquiries were not authorized by me please delete them I have never XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 instruction I never given my permission for a company to inquire about my credit states any inquiries made are unauthorized the presences of these inquiries on my credit report constitutes inaccurate information which under the fair credit reporting act must be removed once your investigation is completed please send me a copy of my updated credit report. I am a victim of Identity theft and the accounts listed below were established without my consent. I have enclosed a copy of my police report as proof that I have been a victim of fraud and I am Disputing these accounts understand that it is your responsibility to insure maximum accuracy in according to the fair and accurate credit transaction act all Fraudulent accounts must be deleted by a police report I demand that you remove these fraudulent accounts have hurt my ability to obtain any credit. Thank you for your cooperation
Product: Checking or savings account

I am writing to file a complaint with Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, i was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices to be unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 2016 - I purchased a XXXX XXXX XXXX from XXXX XXXX. They promised me they could get me a better finance rate than I could get. I was in agreement that I wanted my loan to be financed by XXXX XXXX. I informed XXXX XXXX that I did not want Wells Fargo. My loan with XXXX XXXX was approved. XXXX XXXX sold my loan without my knowledge or permission to Wells Fargo because they could get more money from them than XXXX XXXX. This is per a XXXX XXXX employee. 

Supposedly, XXXX XXXX records their loan transactions. If this correct, you will see me and hear me saying several times that I do not want a loan from Wells Fargo! 

I never had a loan with XXXX XXXX. Since I dislike Wells Fargo, I refinanced with XXXX XXXX XXXX. XXXX had informed me that I could write a note on my credit report and disputed it. I told XXXX that I want my credit report to show that I did not have a loan with XXXX XXXX, and want it removed. Also, I want it said that XXXX XXXX sold my loan to Wells Fargo. They said no because they can not say anything derogatory. Why bother to tell me I can dispute it and write a note? XXXX obviously lied to me. 

Furthermore, I never gave permission that Wells Fargo could obtain my credit information and never authorized a loan with them. This needs to be illegal!
Product: Mortgage

I contacted my mortgage loan servicer multiple times to inquire about dropping my PMI. 
I sent 2 messages through the website with no response or confirmation that my messages were received. 
I called on XX/XX/21 and spoke to someone on the phone. She let me know she would initiate a request and I would be contacted by someone with details on the process. The next day, XX/XX/21 I received a Borrower-Initiated MI Termination Evaluation Results letter. The letter stated that my LTV is 93.18 %. I emailed back and asked where the LTV percentage comes from. I wanted to know what figures were used to calculate this percentage. I sent another email on XX/XX/21 and XX/XX/21 requesting a response because I had still not received one. I then called on XX/XX/21 and spent 55 minutes on the phone with a representative and then a supervisor. The representative told me the LTV was calculated by taking my original loan amount divided by my unpaid balance. Then she told me it was calculated by taking my original loan amount divided by the value of my home. I stated that the letter I received stated the value of my home had gone up and the calculation was inaccurate. She then transferred me to a supervisor. The supervisor stated that my LTV was calculated my my original loan amount divided by my home 's current value. When I asked him to look at the letter I was sent so we could go over the amounts together he stated he does not have the letter. I asked him if I could speak to someone that did since the woman that transferred me did have the letter. He said I couldn't speak to someone else. He asked me to send them back the letter that they sent me so someone could review it and call me back. I emailed the letter back to the company on the same day. On XXXX sent a more detailed email of what information I was looking for. No response. I sent another email requesting a response on XX/XX/21. No response. I just want someone to review the PMI letter with me. If my LTV is, in fact, calculated by my original loan amount divided by my home value, the percentage is not correct based on the home value ( AVM ) listed in the letter sent to me by the servicer.
Product: Credit reporting or other personal consumer reports

I pulled up my credit report and history and discovered there are unauthorized fraud-related inquiries and accounts. I contacted the XXXX credit bureaus, and some were able to help me remove the inquiries and accounts. However, I still need to fill out this form to properly report the issue. I need the unauthorized inquiries removed from my report.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. 

I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

" ( Furnisher of information tocredit agencies ) is a financial institution by definition under that title. 15 USC1681 section 604 a section 2 states that " In general Subject to subsection ( c ), anyconsumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of theconsumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 

Any and all consent to Equifax, XXXX, ( XXXX ofinformation to credit agencies ) whether it be verbal, non-verbal, written, impliedor otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institutionmay not disclose nonpublic personal information to a nonaffiliated third partyunless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Neverinformed me of my right to exercise my nondisclosure option. Not only that 15USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the followingitems of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Debt collection

XXXX XXXX  XXXX has made filed false statements to XXXX XXXX saying they have served me with papers and have not which caused me to miss court date because I did not know after this they have sent false documents to me saying they have been granted a default judgement on me this is how I found out about the lawsuit. I contacted the court and spoke with them and they let me know they have not sent any documents to me or them and there is no default judgement and want all paper work emailed to them immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX department store is reporting to the credit bureaus that an account has been closed and charged off but as of XX/XX/XXXX they keep updating the balance. To my knowledge if the account was closed in XXXX and charged off why is it still carrying a balance? This information is incorrect.
Product: Debt collection

We have a closed credit card account through XXXX. On XXXX/XXXX/17, this company repeatedly ( four times in a span of a few hours ) called from both blocked and unblocked phone numbers to harass my husband ( the primary card holder ) about receiving payment. Our payment was not even due until XXXX/XXXX/2017 and there was absolutely no reason for this company to be calling this often or to be trying to collect a payment that had not even reached its due date! I called the company and explained the situation on XXXX/XXXX/2017 and told them to stop harassing my husband and I over a bill that was n't even due yet. The customer service representative did n't even apologize and just told me she put a block on his phone number, but they could still continue to call my cell phone. I told them this was harassment and I was n't going to answer if anyone called because I was at work and the bill was n't due yet. I am very upset with the way this company tries to get in touch with their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow-up to a complaint filed in XXXX, 2022, Case Number : XXXX ) for Loan No. : XXXX. Although Citizens Bank did respond by recapturing the steps in this case from XXXX through XX/XX/2022, when the loan modification was finally approved, the letter did not discuss what steps, if any, would be taken to remove the delinquent information from my credit report. The attached documentation discusses the reasons why I believe the negative reporting was totally unjustified, as I was told that customers would not be penalized pending a loan modification, and to continue making the monthly payments. I also received letters stating only the balloon payment will be accepted. 
Not one delinquency letter stated I had to make the balloon payment in the amount of {$85000.00} or this loan would be considered delinquent. It was stated in the XX/XX/XXXX letter that the total amount would be due on XX/XX/XXXX unless alternative arrangements had been made -- which I did by applying for a loan modification. The foreclosure letter dated XX/XX/XXXX, stated I needed to send {$1500.00} to cover XXXX and XXXX 's payment by XX/XX/2022, to prevent foreclosure. Yet, my credit reports show I'm 120 days late paying this account for a total amount of {$3100.00} which represents {$770.00} for XXXX, XXXX, XXXX and XXXX -- -- -payments they did not accept. Why I should I be penalized for monthly payments I consistently tried to pay, but they could not accept? I was probably one of their best customers -- -never over 30 days late in 15 years. Why should they be allowed to ruin my credit when I complied with every request in a timely fashion. Unfortunately, it took almost 6 months for Citizens to receive a 3rd party valuation, that I even offered to get and pay for, but of course that was not allowed.
Product: Credit card or prepaid card

On XX/XX/2022 I sent Capital One a debt validation letter, and the 30 days came and went without a response. On XX/XX/2022 I put in for a credit increase on my person Capital One platinum card in which I got an increase from $ XXXX {$1300.00} and on my business Spark card and was denied. Now on XX/XX/XXXX Capital One because I tried to use my personal card and it was denied twice, so I called Capital One and no one could explain to my accounts, keep in mind tht also asked to speak to a supervisor and which this person told me my account was closed due to the activity on this account or a different one which it didn't meet there expectations. Clearly this is a case of adverse action due to the debt validation letter I sent in on XX/XX/XXXX. This has had me not being able to pay my bills due to the adverse action cause they couldn't tell me why my accounts were closed. Adverse actions are AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C. 1691c and is pursuant to civil liability under 15 U.S.C. 1692k. They are also in violation of 15 US code 1642 U.S.C. 1681m and 12 cfr1002 because I the consumer made an application in good faith but credit was not issued.