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

I am writing to dispute the following information that appears on my XXXX, Experian, and XXXX report from XX/XX/XXXX : Inquiry from XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and dont remember authorizing them to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and dont remember authorizing them to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and dont remember authorizing them to make a hard inquiry on my credit report. 
Inquiry from XXXX on XX/XX/XXXX. 
I dont recognize this lender and dont remember authorizing them to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Multiple inquiries were made on my credit report within one day of each other. Please remove all of these unauthorized inquiries immediately. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
My credit report shows multiple inquiries, all within XXXX day of each other. Please remove all of these unauthorized inquiries immediately. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and dont remember authorizing them to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and dont remember authorizing them to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
My credit report shows multiple unauthorized inquiries, all within one day of each other. Please remove all of these unauthorized inquiries immediately. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
My credit report shows multiple unauthorized inquiries, all within one day of each other. Please remove all of these unauthorized inquiries immediately.

Inquiry from XXXX on XX/XX/XXXX. 
I dont recognize this lender and dont remember authorizing them to make a hard inquiry on my credit report. 
Please reinvestigate these matters and delete or correct the disputed information immediately. Thank you for your assistance.
Product: Checking or savings account

I would like to describe a clear violation of UDAAP perpetrated by PNC Bank against me and most likely many other consumers by PNC not properly or accurately disclosing the actual process and delays in crediting accounts for an internal PNC account to account funds transfer ( causing significant financial penalty fees - " Overdraft '' to my account ). 

I recently arranged ( XX/XX/XXXX ) to transfer {$400.00} from one PNC checking account to a PNC Line of Credit Account which covers another PNC cheeking account to ensure I would not overdraw the account. The PNC Bank - Online Banking site clearly discloses a " 1-day delay '' to process the transfer which would have meant the credit to my line of credit account would be made by XX/XX/XXXX ( which in fact it was ) and in time to cover my account against any shortfall. The problem is that PNC did not make such funds available in my Line of Credit account which caused my personal checking to overdraw and to-date incur over {$200.00} in overdraft fees - nice scam if you can get away with it, In speaking to representatives of PNC Bank, they noted they could not assist me with returning my overdraft fees since it was not bank error and they noted the delays in crediting my Line of Credit account would have been disclosed to me in account opening agreements that were provided to me several years ago. This is where the UDAAP violation appears to be. The proper place for disclosing delays in crediting ones account should be on the Online Banking transfer page and not buried in the " mice-print '' of a document provided years prior. 

This incorrect and misleading disclosure of the " 1-day delay '' on the Online Banking transfer page would cause any reasonable consumer to believe that monies that they are transferring from one PNC account to another PNC account would also be available in the receiving account pursuant to the " 1-day delay '' as disclosed. 

I am asking the CFPB to investigate this practice and require PNC Bank to provide restitution to any and all clients that have been adversely impacted by PNC 's flagrant violation of what anyone reasonable consumer would consider unfair, deceptive and abusive. 

I am also asking that PNC Bank correct its Online Banking site to provide accurate and meaningful disclosures about the timing and delays associated with internal PNC Bank funds transfers to inform clients and prevent predatory actions and fees from being assessed. 

Finally, I am asking that PNC Bank refund any and all overdraft fees related to this recent clear UDAAP violation to me as soon and their investigation is completed and confirm such in their formal response to the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information 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: Vehicle loan or lease

I leased a new XXXX XXXX XXXX last year. I love the car ; however, I do not have any need for it anymore due to some life changes and working at home. We also have too many sedans in my household. When I looked at the lease no one other than Volvo or myself can end the lease with a payoff. I contacted 2 Volvo dealerships and Volvo of XXXX offered to but it out at {$39000.00} due to the car being too new to have a book value. There is a book value on the same car one year older with a range of XXXX, the loan payoff is XXXX according to them. I tried another volvo dealer, Volvo of XXXX and they stated they could not buy it out, I would have to buy it out myself, then sell it to them after that. 

This is patently absurd and while I did sign the contract this is placing the consumer in a unfair position. I can only sell the car to one place, that place knows that, and thus is not paying the value of the car properly. I only want to get bought out of the lease, the book value supports that, as does other 2022 XXXX XXXX 's for sale, but they refuse to help. 

The locking out of 3rd party payoffs is unfair and deceptive and is against the consumers intrest.
Product: Mortgage

Mother passed away in XXXX of 2014 with a mortgage with PNC Mortgage. We were unable to pay it as we were awaiting probate and access to her funds. The mortgage company would not talk to us because we were not authorized but they were notified of the situation. By the time we had access, the account was sent to foreclosure and we were forced to pay a large penalty to get the account back into good standing. We have since sold the house and paid off the mortgage but feel it should have never been transferred to foreclosure as we in good faith did all we could under the circumstances. We would like to recoup the money that we paid that was above and beyond the normal mortgage amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX i sent a letter regarding inaccurate and unknown things om my credit report to this day over 60 days later i have not received a response yet. i feel like im being taken advantage of and being ignored of my disputes, Section 611 ( a ), it clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into hands of the wrong person
Product: Credit card

Between XX/XX/2023 and XX/XX/2023, an inquiry made by XXXX CARD SERVICES was added to your credit report. 
I have not applied for a credit card with this or any other company. This is incorrect and not me. Please remove from my credit report.
Product: Debt collection

TrueAccord has injured me personally infringed upon my privacy and violated my federally protected rights as a Consumer a Natural person flesh in blood these crooks bought an alleged debt from XXXX and then sent me letters stating I owe them the alleged debt furnishing false and deceptive forms that would make me the consumer think that I owe such alleged debt this is a violation of the Fair Debt Collection Practices Act and this is identity theft I intent to invoke my specified remedy which is the payment for all damages sustained which would be each violation of the FDCPA I have clear proof I've disputed the debt and it has not come back to me validated True Accord has violated the following laws in the FDCPA 1. 15 USC 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.

( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.

2.15 USC 1692b ( 2 ) not state that such consumer owes any debt ; 3. 15 USC 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 4.15 USC1692e ( 2 ) false representation the character, amount, or legal status of any debt ; 15 USC 1692k-Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; I will be sending a invoice invoking mu specified remedy to try to resolve this matter out side of court and I have sent an affidavit of truth and facts incase I have to file suite The fifth maxim in Commercial Law is " AN UNREBUTTED AFFIDAVIT STANDS AS THE TRUTH IN COMMERCE ''. Claims are made. If they go unchallenged, they emerge as the truth in the matter. ( 6 ) And accordingly : " AN UNREBUTTED AFFIDAVIT BECOMES THE JUDGEMENT IN COMMERCE ''. True accord has defaulted and will get the opportunity to cure by paying the invoice before I file suit
Product: Student loan

On several occasions, I have contacted Navient regarding disbursement of payments to my student loans. Despite my efforts, there has been no progress in ensuring my extra payments are distributed to the loan group in which I have requested ( both written and verbally ). I have put my request in writing, in addition, I have separated my accounts into 2 groups according to the loan group numbers and make the payments separately. Despite making the payments separately through online banking, all extra payments are not allocated to the principal of the loan in which I have requested. The balance on the loan in which I am attempting to pay off is {$3400.00}. Instead of applying the extra dollar amount to the {$3400.00}, Navient is applying the payment to the {$13000.00} loan in which I owe. If the payments were applied as requested, the {$3400.00} loan would have been paid in full by now. I have made several phone calls. Both loans have been current for years, which reflects the total payment due every month as {$0.00} for the {$3400.00} loan. I have been dealing with this for over a year and this process has been extremely frustrating. When speaking with Navient, I am often transferred to a " Supervisor ''. The " Supervisor '' acknowledges seeing my request on my account for extra payments to be disbursed to the specific loan however fails to ensure resolution.
Product: Student loan

MOHELA continues to Bill for a PRIOR PSFL that has ( by their records ) surpassed the 120 PSFL / IDR qualified payments ( 147 total payments ) that are under account number ************ and place the same account under a fraudulent SAVE ************ I AM REQUESTING immediate forbearance, discharge of Account number ******************AND REFUND OF THE OVERPAYMENT IN THE AMOUNT OF 27 MONTHS. 


MOHELA continues to disregard PSLF for My name account number ( see attached ) and has created a new account for repayment with 125 months, 120 at XXXX per month ( under a different account number ) for the same loan of which there have been over 147 QUALIFYING PSLF MADE SINCE 2011. This action goes beyond negligence, bordering Fraud. Civil action is requested. 

MOHELA has been sent 5 certified requests, 7 fax request and 7 phone calls with no response.
Product: Mortgage

PHH Mortgage Services is my mortgage and I received a letter for " Foreclosure Intention ''. I called them as soon as I received the letter stating I was two months behind in payment. I called and spoke with the mortgage representative on XX/XX/XXXX @ XXXX. They would not speak to me since I was in bankruptcy. I went into bankruptcy 4 years ago since I used my personal credit cards to pay for materials and bills since he is self employed. I thought XXXX of the companies that we XXXX for were not going to leave the state and all the unpaid invoices which they did. I learned to keep personal and business separate in a very costly fee. I called the number that they told me to call the next day. They told me they would not talk to me and I had to contact my bankruptcy attorney. I called and spoke to my attorneys assistant and emailed her copies of checks that were cleared front and back since XX/XX/XXXX. She was confused and left two messages with them and they finally called her back stating they can not talk to her since I have a prior attorney?? We both did not understand that. She told me that they would open the lines for anyone to talk to me regarding the delinquent amount. I called and spoke to one rep who told me that I was not receiving monthly statements, but could not talk to me and transferred me to another rep. They told me after leaving me on hold for a lengthy time and speaking with another rep to figure it out. XXXX stated that is started XX/XX/XXXX with the Escrow Analysis that they did. He then told me that I was finally making the correct payment in XXXX XXXX after they did another Escrow Analysis. I still did not receive any phone calls, notices or emails regarding the back balance. They sent me a check in the amount of {$1000.00} that was in a suspense account. I asked what they did with my payments and he stated they went towards the payment due and the shortage was sent to a suspense account. They could not keep the account anymore and sent the check to me. We did change insurance agency in XX/XX/XXXX. I did get a check in the amount of {$740.00} that my previous agency XXXX as a refund. I asked XXXX our new agency and she told me to send it to PHH Mortgage. I called on XX/XX/XXXX at PHH Mortgage and spoke with XXXX and she told me to cash it and send it to the address she gave me and attention Escrow. Which I did. The loan is still under my maiden name, even though, I called them and they changed it on my coupon books that I was receiving at that time. Then I just send a letter each time with my check to have it submitted for my monthly payment. I now continue getting letters each day from PHH Mortgage regarding this issue which does not help with the stress with myself and husband. XXXX advise me to go to XXXX and it will show me info. He faxed me the XX/XX/XXXX Escrow statement since I would not be able to look at it on line. I just do not know how it came to exactly 2 months of payments delinquent?
Product: Credit reporting or other personal consumer reports

I am writing to formally complain regarding unauthorized credit inquiries and identity theft that have severely impacted my credit report and financial standing. 

Unauthorized Credit Inquiries : On obtaining a copy of my credit report, I observed an unauthorized credit inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I did not consent to this inquiry nor authorize any entity to access my credit report for this purpose. These inquiries are incorrect, unverified, and unauthorized. They are negatively impacting my credit score and loan applications. 

I request that this inquiry be investigated and removed from my credit report immediately, as it does not have a permissible purpose under the Fair Credit Reporting Act ( FCRA ). 

Furthermore, I have been a victim of identity theft resulting from a data breach compromising my Social Security number. To address this, I have filed an FTC Report, a copy of which is enclosed with this correspondence. Under 15 USC 1681c-2 ( a ), you are required to block and remove all information associated with this identity theft from my credit report within XXXX business days of receiving this complaint. 

Details of Unauthorized Accounts : 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  These accounts have been reported without my written consent, violating 15 U.S. Code 1681b. As such, they must be immediately removed from my credit report.

Defamation of Character Negligent Enhancement of Identity Fraud Violation of the Fair Credit Reporting Act Violation under 15 U.S. Code 1681o - Civil liability for negligent non-compliance Violation under 15 U.S. Code 1681n ( b ) - Civil liability for willful non-compliance Failure to comply with 15 USC 1692 ( g ) Violation under 15 U.S. Code 1681b - Permissible purposes of consumer reports Violation under 15 U.S.C. 1681i ( 7 ) - Method of verification Violation under 15 USC 1681a ( 4 ) - Right to privacy Violation under 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports I demand immediate action to block and remove these fraudulent accounts and inquiries from my credit report. Should you find any authorization that was supposedly obtained for these inquiries, please provide such documentation promptly. Failure to comply will result in me seeking monetary damages through small claims court. This complaint has been shared with the Attorney General 's Office, the XXXX XXXX XXXX, and the Federal Trade Commission. 

Please acknowledge receipt of this complaint and provide a timeline for its resolution. Your prompt attention to this matter is greatly appreciated.
Product: Credit card

Bank of America decided to discontinue and convert all its XXXX XXXX XXXX XXXX to its XXXX XXXX XXXX XXXX on XX/XX/2023. Per their notice, " Your last XXXX XXXX XXXX  Quarterly Cash Reward will be paid in XXXX ; however, if your account is open and you continue to make qualifying payments from XX/XX/XXXX through XX/XX/XXXX, we will reward you with a one-time statement credit of {$20.00}. '' The fine print says it XXXX take up to XXXX weeks to post the final {$20.00} credit. 

XX/XX/2023 was the last day of the XXXX weeks from XX/XX/2023. However, the credit still had not been posted by this morning ( XX/XX/2023 ). A quick search on multiple social networks and online platforms demonstrated that none of the BofA customers had received the promised credit. When I contacted BofA customer care at the end of XXXX, the representative informed me that the credit would be posted by the end of XXXX, which never materialized.
Product: Credit card or prepaid card

My daughter ( XXXX ) just got a job and needed to get her pay check direct deposited. I tried to add her to my Netspend debit card account. I had to email the company 's verifications department with a copy of her birth certificate and social security card. In the meantime, my debit card account was locked, I could not make any purchases with my card. And, they held her direct deposit from her employer in a pending state for 3 days, XX/XX/XXXX through XX/XX/2022. After I uploaded the information to them they denied my request to make her an extra card holder. They wanted me to upload my driver 's license and social security card. I refused to do so because I had already done this 5 years prior when I opened the card account. Also, when I spoke with the customer service representatives they did not tell me that any of my information needed to be uploaded. In fact, I spoke with them XX/XX/2022 at XXXXXXXX XXXX  and they told me that the only thing needed was my daughter 's information. Previous phone calls revealed that the customer service reps are telling people the only way to get an extra card holder on the account is to give your social security number to them over the phone. I feel this is a security breach and a violation of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have se nt 3 letters to  Equifax regarding unvalidated information on my credit report. Th e 15 U.S. Code 1681g - Disclosures to consumers requires CRAs to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. Equifax failed to provide me verifiable proof as required under the 15 U.S. Code 1681g - Disclosures to consumers within 30 day These negative events were not removed. Poof was not provided that these inquiries were in fact authorized with an instrument bea ring my signature, and for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Approximately on XX/XX/2022 I disputed incorrect open dates on my auto loan for XXXX XXXX XXXXl across all 3 credit reporting agencies. They all displayed different and inaccurate open dates and balances. XXXX decided to remove the account from my credit report but it remained on the other 2 credit reporting agencies. The accounts were updated and still reflected inaccurate and different open dates.