23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage was sold to PNC Bank in XXXX. Since the date it was sold I have not been able to successfully make a mortgage payment without over one hour of investment navigating PNCs channels. 

Months, and months of multiple phone calls, multiple conversations with the IT department, the customer, service department, as well as escalated complaints. And after almost a year, I am still unable to make a mortgage payment online.

Issues have included but are not limited to : - password working in mobile app but not working in browser - locking out account via browser if password is entered wrong once ( even though it works in the app ) locks out account - mortgage payment not possible in mobile app ( see bullets above being an issue ) - password reset for mortgage not working in mobile app or when account is locked out ( again, see above )- very difficult to get to a human in customer service without details I cant get bc my account is locked out. 
- cant use XXXX bc account is locked out - resetting account via a temporary password only works the first time. When going back in, new password will fail to work in browser - 2 out of 4 calls with a customer service agent will result in being hung up on ( I dont think this is a human - I think their phone lines drop ) meaning I have to start over - saved external account shows to phone agents but doesnt show online - cant add external account via mobile app. But broken record cant get to browser bc of password issues The first 6-7 months I spent HOURS with all of their people working my account out. And every month Im back to square one. I have not successfully made a mortgage payment YET without at least 4 failed online attempts and minimum 3 phone calls. 

I have never had so much trouble just trying to pay a bill as I have with this bank. And I am absolutely infuriated that because they bought my mortgage theres absolutely nothing I can do about about it. 

I work in XXXX XXXX. With customer service. With technology. And I can say that this has been the absolute most infuriating, unacceptable banking experience I have ever had. I think it is unacceptable that I did not choose to go into business with this company, and yet have no choice but to spend one hour monthly of my time to try and pay a mortgage bill. 


And yes, I have contacted the company. Monthly. And I make a formal complaint each time. And yet the issues are not resolved. I do not have this problem with any of my other accounts. I am a perfectly savvy user of online, financial applications and websites. The way that they have set up their services and systems is absolutely ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I applied for a total permanent XXXX discharge and was approved I've been noticing that XXXX was reporting over late payments over 190 days in accurate information I called XXXX and advised me that it was sent into default in XX/XX/XXXX was advised to call XXXX XXXX XXXX  and was advised that my discharge status is in good standing and provided me a letter from XXXX XXXX XXXX. The XXXX XXXX XXXXXXXX said that it's the credit be reporting inaccurate information they have been doing this for years, and I'm XXXX I have a total permanent XXXX discharge and shouldn't be on my credit as inaccurate. I also can provide letter from XXXX XXXX XXXX stating of the incorrect information being reported.
Product: Credit reporting or other personal consumer reports

This company is reporting fraudulent inaccurate information on my credit reports. I have requested that they provide the purchase agreement to show full ownership of such account and other documents so I may review to see if this is actually an account that belongs to me. Below is this information that I initially requested from this creditor : 1. A copy of the original contract and/or original purchase agreement that created the alleged debt.

2. In addition, please send proof of chain of ownership of the alleged debt and include proof of assignment for each change of ownership.

3. Also include a full accounting history from the original creditor including date and amount of each payment and the Date of First Delinquency leading to the collection status.

4.If any interest or fees have accrued or been added onto the balance, please send proof that such fees are lawful and agreed upon in the original purchase agreement.

5. Proof that you are legally allowed to collect on alleged debts in the state of Louisiana, including your Third-Party Debt Collection Bond.

6.Also send proof that you sent the legally required notices to me before reporting this alleged debt to any consumer reporting agencies, including copies of the original notice and any letter tracking your firm maintains. FTC makes it clear that " debt parking '' without proper notices is a violation of consumer 's rights.
Product: Debt collection

Hello, Back in XXXX of XXXX  In XXXX XXXX, South Dakota, I changed cell providers. My daughter & I left XXXX to go to XXXX. We were told there would be no problem porting our numbers from XXXX to XXXX, pay off our existing XXXX contract. It took a month & an awful lot of phone calls as well as an immense amount of frustration. We were told that it couldn't be done. Not either company would except any responsibility. Even though it was clearly advertised by XXXX. I returned home at that time to XXXX, Texas, where I received a final bill from XXXX for XXXX XXXX tried calling & making arrangements, to no avail. I then received a collection letter from XXXX XXXX XXXX. I spoke to a XXXX XXXX XXXX & set up payment arrangements. It was a {$50.00} a month automatic payment from my checking account. Payments were made XXXX, XXXX & XXXX. Then the giant headache started with Amsher Collection & the XXXX XXXX XXXX XXXXXXXX XXXX. The way I found out was through an email from XXXX XXXX & an email from my XXXX credit card. I have be trying since Monday, XX/XX/XXXX to contact both Amsher XXXX XXXX XXXX. I have been disconnected at least 8 times. Dial the number & a recording says if you are calling from Nevada dial 1, all other states dial 2. After multiple times I spoke to a XXXX XXXX & he said all he could tell me was my Amsher account number # XXXX & the call ended. I did my due diligence & researched Amsher, XXXXXXXX XXXX XXXX XXXXXXXX XXXX. I felt like a fell into a trash dumpster. It seems that Amsher & XXXX XXXX XXXX XXXX  XXXX XXXX are also some how involved with XXXX who seems to also own & operate a collection company. No matter what I did or the amount of calls I made I hit a brick wall each & every time. Please rest assure that all I wanted to accomplish was to pay my bill.
Product: Checking or savings account

Wells fargo bank has lost the public trust of the consumers and customers that trusted wells fargo bank to help us to become financially stable and has taken advantage of me as well as the other customers and consumers and has forced past employees that worked at wells fargo bank and was fired because these past employees of wells fargo bank to open up 1.5 million accounts with out the authorization and consent and permission. And those bankers that was fired from wells fargo bank wanted those bankers to participate in all of these illegal activities that wells fargo bank was doing to not only me but to other customers and consumers. And there is no telling how long these illegal activities has been going on. And the cooperate office of wells fargo knew about all of these illegal activities and made any attempt what so ever to stop all of these illegal activities. And wells fargo bank should be held liable for taking advantage of those customers and consumers that trusted wells fargo bank to help us to become financially stable. And has fired all of all of those bankers that worked for wells fargo for telling the truth about all of these illegal activities and scandal 's that was going on. And wells fargo bank has been sued for discrimination and sued for opening fake accounts with out the authorization from the consumers permission and consent. And this is supposed to a professional institution but it's obvious that it's not. And wells fargo bank and the cooperate office of wells fargo bank knew that all of these illegal activities was going on failed to stop it. And matter of fact the consumers and customers should have a right to financial privacy and the consumers should be notified and asked before wells fargo bank to use those consumers and customers information. But instead wells fargo bank has sold those customers and consumers information with out their consent and permission and authorization. I strongly believe that if all of these rights existed why are these rights being enforced? I just forgot to tell you we don't have any privacy what so ever. Because if people had all of these rights these rights should be enforced. Maybe that is why these institutions and facilities want the consumers and customers and patients to sign a disclosure and disclaimer to release a facility from being sued.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account in question was paid in full on XX/XX/2020. My credit report is showing the account as a charge off with an open balance. The company no longer has my account information on hand and the merchant has stated that they can not help. Please remove this account as it was paid in full and not a charge off. Proof of payment is being submitted.
Product: Debt collection

I was a victim of ID Theft. I sent a Dispute Letter to Consumer Collection MN on XX/XX/XXXX and another on XX/XX/XXXX of which they did not respond to my Dispute as it remain on my Credit Report. I enclosed a copy of the ID Theft Affidavit as well at the Dispute Letter sent to Consumer Collection MN. Note all of the fraudulent accounts have been removed from my Credit Reports EXCEPT Consumer Collection MN. I am also filing a Law Suit. Is Consumer Collection MN above the Law??? The FDCPA and FCRA!!! Please note that Account # XXXX is a fraudulent account and should be " Deleted '' from my Credit Reports.
Product: Debt collection

I called the debt creditor and they told me they outsourced my account to a third party. However, XXXX XXXX is the third party. I called the company XXXXthey outsourced, they said they could record the call but if I recorded the call they would hang up. They wouldnt give me a legitimate website or account details via mail. They demanded a $ XXXX settlement from $ XXXX. But couldnt give me a secure way to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reaching out to the Nordstrom company, and explaining why there was a 60 day and 30 day past due, they have responded unreasonably and proceeded to report this on my credit report. My very good score went from a good score of XXXX to a fair score of XXXX for just this occurrence. I have been a loyal customer for over 10 years with a Nordstrom debit card/credit card and have never missed payments to this magnitude. 
Explanation : I was dealing with emotional trauma and a family emergency. My husband is XXXX XXXX  XXXX and was redeploying after being gone for 9 months, he entered into an XXXX  XXXX  program. At the same time was also managing the health of my grandmother that fell ill and died in this timeframe all while stressors related to COVID ( working full time with virtual schooling ). 
Supporting evidence : I have reached out to the company and I was unaware that there was a hardship and/or COVID payment policy to postpone payments and never received anything alerting me of this policy to help out my family in a time of need. 
Additional Supporting evidence : At the time of payment due, I had plenty of money to cover the balance of the account and would have done so if I was able to emotionally handle this responsibility. I have attached statements of my bank accounts to show balances and proof.
Product: Student loan

On XX/XX/XXXX I sent XXXX payments, XXXX for {$2400.00} and a second for {$3100.00}, satisfying the total amount owed on my XXXX loans including outstanding interest charges. The payments were applied in a manner that overpaid XXXX of the loans while balances remained on XXXX of the XXXX loans. As of XX/XX/XXXX my loan details indicate : - Loan XXXX Principal : $ XXXX - Loan XXXX Principal : $ XXXX - Loan XXXX Principal : {$1400.00} - Loan XXXX Principal : {$860.00} My account page indicates that {$26.00} in interest charges have accrued on my accounts since my payment in full was received, though it does not indicate a payment due. I have verified that my loans are still reporting as open with balances due according to XXXX an XXXX. 

I have made XXXX attempts to resolve this issue by calling Moehla : On XX/XX/XXXX I was advised that the matter was escalated and would be resolved by their payments department. No response was ever sent, no updates were made, and the loan balances continued to reflect the misapplied payments. 

On XXXX I called again and spoke to the payment department who assured me that the matter would be resolved. I have not received any response, electronically or otherwise, no updates have been made, and the loans continue to be reported to the credit agencies as having an outstanding balance. 

On XX/XX/XXXX I sent an electronic message via the Mohela account portal advising that my loan details continued to reflect the misapplied payments and the credit agencies had not been updated to reflect my balance as paid in full for XXXX full months. I have received no response from this message as of XXXX
Product: Consumer Loan

sears used my personal info to open a home improvement account in my name and my credit rating dropped by XXXX points the sales manager committed fraud i only called them for an estimate
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed my credit score had dropped as I was looking into it its stating that I had a delinquent payment for JCPenneys. I do not have a JCPenney Credit Card, I have not purchased anything from JCPenneys in over 3 years. I have not received any mail or email from JCPenneys. There is so much fraud happening know and telemarketing going on it would be hard to say if they have been calling. I called the credit card company when I saw it had affected my credit score.
Product: Credit card or prepaid card

Citi locked my card because I made a purchase that was over {$200.00}. I called customer service and they wanted to send me a text to verify my identity. I have had the same cell phone number forever and its the same number on my account. I never got a text. I asked for a supervisor. The supervisor said they would call me back on my cell number. I received XXXX calls from him but each time I would answer, there was no sound on the other end of the line. I called back again. Even though I verified all of my personal information, my security question, and was calling from my own number I have to wait for a letter to use my card. So even though they advertise rewards points, I can not use the card for my XXXX purchases and earn rewards.
Product: Credit card or prepaid card

I am a victim of identity theft this account was opened fraudulently
Product: Credit card or prepaid card

On XXXX XXXX 2021, I called XXXX and asked a Barclay 's representative how to pay using the payment coupon they sent with the statement. The rep walked me through on how to endorse the coupon. I sent it off through the mail, now they are not honoring it and said I must pay with check or debit. The pay off amount was XXXX, coupon was for a discharge of XXXX. Called Barclays on XXXX XXXX, XXXX and today the XXXX when now they said they do not accept the payment coupon without a check.
Product: Credit card or prepaid card

XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX Sent me a letter dated XX/XX/XXXX The letter said that my credit card account ; which I had for 8 years prior to this letter had  been canceled because of a low credit score. This made the credit card impossible to pay on line or by phone and I personally think XXXX XXXX did this to exploit me trying to get my credit problems taken care of at time. They also gave my address to my business partner, his Lowes card had the address XXXX XXXX XXXX XXXX ; XXXX. Even though when I called them in XX/XX/XXXX XXXX XXXX has not addressed any complaints we had and basically the last bill was three times the balance before XXXX XXXX made it impossible to pay them. WHAT A SCAM IM GOING TO FILE A COMPLAINT ON THE FEDERAL LEVEL TOO.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX : {$3600.00}.
Product: Consumer Loan

Debt collector contacted me at work ( violation of FCRA ) after repeatedly verbally telling them not to. Debt collector also used profanity.
Product: Debt collection

I checked my credit report last month and noticed a collection account from Caine and Weiner Company for some type of insurance policy that I am not aware of. I contacted the collection agency to notify them that this is not my account and they refused to remove the collection account from my report. This falsified collection account is currently preventing me from getting approved for a mortgage. This collection account needs to be
Product: Debt collection

On or about XX/XX/XXXX and XX/XX/XXXX Select Portfolio Servicing Inc ( SPS ) took actions related to my real estate property and primary residence ( SPS file # XXXX ) which represent repeat pattern of unquestionable violations of RESPA 1024.41 ( g ) Prohibition on foreclosure sale, also known as dual tracking. 

On or about XX/XX/XXXX SPS made an error by scheduling a foreclosure sale of my real estate property for XX/XX/XXXX ( see attached XX/XX/XXXX notice ) while SPSs XX/XX/XXXX Assistance Offer Notice, informing of SPS preapproved short sale/short payoff loss mitigation options, was pending ( see attached XX/XX/XXXX notice ). 

On or about XX/XX/XXXX SPS made another dual tracking error by rescheduling a foreclosure sale of our real estate property ( primary residence ) referenced above, for XX/XX/XXXX while SPSs XX/XX/XXXX Assistance Offer Notice was still pending. Attached XX/XX/XXXX screenshot of SPS website ( dashboard for the alleged account ) shows a notice Congratulations! You have been approved for an Assistance Program. A letter detailing the terms of the plan has been sent to you. 

According to RESPA 1024.41 ( b ) ( 1 ) -2 A loss mitigation application is considered expansively and includes any prequalification for a loss mitigation option, such as outlined in SPS XX/XX/XXXX offer. 

My wife and I sent notices of errors to SPS on XX/XX/XXXX and XX/XX/XXXX ( see attached NOEs ) which SPS later acknowledged receiving on above dates ( see attached SPS acknowledgments XX/XX/XXXX and XX/XX/XXXX ). 

As of the date of this complaint SPS has not corrected these obvious dual tracking errors despite SPSs unquestionable violation of RESPA 1024.41 ( g ). 

SPS scheduling of referenced XX/XX/XXXX foreclosure within few days of us receiving SPS Assistance Offer Notice on XX/XX/XXXX interfered with our ability to effectively make decisions regarding SPS " assistance offer '' because we perceived SPS 's act as coercion to pressure us to agree to the terms of SPSs offer.
Product: Credit card or prepaid card

On XX/XX/2022 a person with the same name as me, purchased 15 pairs of slippers from XXXX XXXX. This person used my XXXX account. I saw the activity and called my credit card company XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). The card was cancelled. However, the credit card company says I am responsible for the 3 transactions of {$130.00} that occurred on my account. XXXX says, because I called the bank before them, that they are not responsible.? The bank says the activity is valid based on documentation provided by the merchant ( XXXX XXXX ) I have written the bank ( Barclays ) several times for a copy of this documentation. They do not respond. I have written XXXX to show them the 15 pairs of shoes were sent to a XXXX XXXX in XXXX Florida using XXXX XXXX. I live in Hawaii and XXXX XXXX does not deliver to my address. XXXX screwed up. Under XXXX screwed up and my bank will not reimburse me for these charges totaling {$400.00}. 
I never ordered nor received 15 pairs of mens slippers from XXXX XXXX using my XXXX account. 
The bank refuses to provide the documentation they say they have to prove their case. Thank you for your consideration of this fraud.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, XXXX, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX  XXXX, Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

I am writing to file a formal complaint against XXXX violation of my consumer rights under the fair credit reporting act ( FCRA ). Specifically my complaint is regarding the unauthorized reporting of capital one on my consumer credit report and/ or credit file, which I did not consent to nor I was I properly notified about. This information is not only wrongful but was also reported without my explicit consent or prior notification. This action has significantly and negatively affected my credit score, making it difficult for me to obtain credit, and it has caused me undue stress and financial hardship. 
I have previously attempted to resolve this matter, but to no avail the issue remains unresolved, and this information is still presenton my credit report. 
I respectfully request the removal of this information from my credit report maintained by XXXX. 
I hope XXXX takes my complaint seriously and rectifies the situation as swiftly as possible. I look foward to your response and am hopeful for a favorable resolution. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX XXXX Balance : {$53000.00} XXXX XXXX XXXX Balance : {$9900.00}