23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Around XXXX of XXXX I found out that I had been a victim of identity theft at my PNC bank regarding my Student checking and savings accounts. I shared these accounts with my mother because she opened these for me when I was a minor. After speaking with a branch manager in XXXX, OH, to our surprise, we found out that there were multiple deposits made into my account ranging from {$1000.00} to {$15000.00} all coming from The Illinois Department of Employment Security ( IDES ). I currently and have always lived in Ohio and have no knowledge of these transactions. We were informed that these deposits started in XXXX of XXXX. I was unaware of these because I am a XXXX XXXX XXXX XXXX XXXX and I was not working at the time, so I had no reason to regularly check my bank accounts. The unknown person that stole my identity and account information used my name somehow to receive unemployment and have it deposited to my PNC checking and savings accounts. These were NOT my deposits and I had nothing to do with it. The unknown person also, transferred the money from my PNC accounts into another unknown account that was not mine. 

The branch manager informed me that there was an ongoing investigation. So She advised that I opened another checking account because we said we would not be using the fraudulent account anymore. I withdrew my {$100.00} that was actually mine and left the fraudulent account alone. The branch manager said she would follow-up to see if she could find anything out about the investigation and someone should be in touch with me. She also put in a dispute for me on all of the charges. Some of those disputes came back as denied stating that and error did not occur because the transfers to the unknown bank account had already processed. In the meantime, months passed by and I followed up with the manager every now and then, but they were still investigating. 

In XXXX Is when I finally received a letter from PNC stating that my account along with my mother 's additional PNC accounts had all been closed. There was no reason giving at first, but after speaking with the branch manager again she informed us that this is typical of how PNC conducts its business. They disassociate themselves from the customer and any fraudulent accounts. I also received another letter stating that I owed over {$6000.00} of debt for the fraudulent account.

They closed the fraudulent account and they also closed my 2nd student PNC accounts that I opened after the fraudulent activity. I had a balance of over $ 500+ in that account and that money was taken without permission and applied to the balance of my fraudulent account. I was also told by the branch manager that a charge off would go to me and my mothers credit report, which is ridiculous for something that we do not cause. 

Me and my mom have called PNC numerous times and have been given multiple numbers to try and get this resolved. Only ending up with no one knowing the answer and sending us in circles.
Product: Mortgage

Well Fargo is sending me false statements, and harassing phone calls. 

1 ) I have a VA loan which clearly says that my monthly payments to mortgage ( XXXX ) are not late until after the XXXX day of each month. However on XXXX XXXX Wells Fargo sent letter saying ( without any specifics or or itemizations ) I was " seriously '' delinquent and over due and threatening foreclosure, but the facts are my monthly mortgage principle/interest ( XXXX ) was set by the VA loan administration and was paid in accordance with the Va guideline before the XXXX of the month. Please reference mortgage check # XXXX for XXXX cashed by Wells Fargo on the XXXX of the month and escrow check # XXXX cashed by Wells Fargo on the XXXX in the amount of XXXX. 

2 ) In addition to sending me false letters saying I am delinquent and threating foreclosure, without any itemized facts, Wells is calling me daily, and when I pick up the phone they hang up, or if I do n't pick up they leave ambiguous message like " calling about the mortgage '' or leave no message at all. additionally the " about the mortgage '' statement, that is not enough information to return a call. I am being harassed with frivolous phone calls, or rude hangs by Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I received a notification that I gained a new hard pull from XXXX XXXX XXXX. I never authorized this bank to look up my credit information, nor have I ever heard of them.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account XXXX : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXccount Number : XXXX Account Name : XXXX Account Number : XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I cant get into my account with Coinbase, a company listed on the XXXX stock exchange. I have an account for 5 months, 1 1/2 months ago I started getting texts and emails ( emails were sent to trash, but I never trashed any emails ). When I go into the spot that says change password, I change it but then the 2 step verification comes up with a phone number which is not mine. I cant get the code from the 2 step verification because its not my phone number. I tried to change phone number but it asks for current phone, i tried my real phone number because I dont know number they listed because it has xxxx except last 2 digits. I think my account has been hacked or Coinbase is not helping fix my problem. I cant call them, no phone number, I have sent many emails from their help.Coinbase.com site. But each time I do I get those emails with a case number ( as I mentioned previously in trash ). I send a response from that email and they say this case has been closed.I am in this terrible loop and its been 1 1/2 months now and cant get into my account. I need help Case # XXXX or XXXX, 5ese might be old because I cant get a straight response
Product: Credit reporting or other personal consumer reports

As a Federal Protected Consumer, I am writing to XXXX AND BY EXTENSION TO XXXX AND TRANSUNION to remove all personal private information and inaccurate account information from my credit report EFFECTIVE IMMEDIATELY. 

ENFORCEMENT- PURSUANT TO XXXX XXXX XXXX - ( a ) IN GENERAL Subject to subtitle B of the Consumer Financial Protection Act of XXXX [ XXXX U.S.C XXXX XXXX et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the XXXX XXXX XXXX XXXX XXXX, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law. Criminal liability for willful violations. - XXXX XXXX XXXX Pursuant to the Fair Credit Reporting Act ( FCRA ), I hereby revoke all Authorization, I the creator/ consumer may have given you knowingly or unknowingly, written, or unwritten, verbal, or non- verbal and therefore opt out of reporting the following information per XXXX XXXX XXXX. 
I also opt out pursuant to XXXX XXXX XXXX, XXXX XXXX XXXX ( b ) ( XXXX ), THE PRIVACY ACT OF XXXX and XXXX which clearly states f ) Continuing right to opt out. A consumer XXXX exercise the right to opt out at any time. 
Under XXXX - A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically. 

XXXX ) CHARGE OFF - Any charge-off is a XXXX of Indebtedness and therefore considered income and income can not be reported. See XXXX, XXXX XXXX XXXX - XXXX : XXXX. 
XXXX ) Pursuant to XXXX XXXX XXXX is the policy of the XXXX that XXXX 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 non-public information. 
ALL TRANSACTION HISTORY MUST BE DELTED FROM REPORT BECAUSE IT IS ILLEGAL TO REPORT ANY TRANSACTION HISTORY. THEREFORE, ALL ACCOUNT BALANCES MUST BE UPDATED TO READ PAID IN FULL, PAID AS AGREED. 
XXXX ) All Hard Inquiries must be removed as they are NOT open accounts and should be removed per XXXX XXXX XXXX, THE PRIVACY ACT OF XXXX & XXXX XXXX XXXX ( b ) - Permissible purposes. I also opt out of reporting all soft/ hard inquiries under XXXX and further exercise my right to deletion. 
XXXX ) All duplicate names and misspelled names must be removed. All non-mailable addresses must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called Navy Federal and the 3 Credit Bureaus without any reasonable response. I had asked them to look at the evidence again after verified, but hung up on me. I'm filing a complaint to have the CFPB to ask the 3 credit bureaus and the furnisher to look thru my evidence. The account number is wrong. The late payments are inaccurate. The account has been reaged. Pls see attached.
Product: Mortgage

Hello! 
I have my home mortgage with Santander Bank, NA. 
Due to being laid off part time from my job due to the COVID 19 quarantine and lack of business, I fear that I will be unable to make full payments monthly to Santander Bank, NA for XXXX, XXXX or even any month after until we hopefully return to a better economy. But we are not guaranteed getting our jobs back either. 
When I called Santander Bank, NA at their Customer Service number to discuss options on XX/XX/XXXX, they were rude and had no plan or solution. I realize that they are also using leveraged monies, and have their needs, but if they could decrease the payments, or defer the payments somewhat for several months could be helpful, as Bank of America has done. 
Their customer service numbers are XXXX and XXXX. I have had this loan for one year and have made all previous payments on time, and do not want to fall behind or decrease my credit rating. 
Thank you so much. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

The previous company was pretty amazing ever since they switched to a new third-party theyre not very consistent. I dont get updated text messages. 
They are saying, I have an elite fee which Ive never had before. 
Also, Ive asked for statements to be sent to my house each time I speak to them theres a different amount that is due to pay off. 
I can never get into my portal to make a payment and every time I try there attached a random fee. Theres a {$210.00} fee or a {$100.00} fee When my monthly payment is {$160.00}. 
I called to confirm how much it would be to pay it off {$1700.00} the lady said when I had an email that said it was going to be {$810.00}. 
From the back office I went and moved some money around in my bank account just to make the payment. after I did that, I called Lending USA to make the payment and then they told me a different amount {$1900.00} within a hour Im feeling quite overwhelmed. I am just done from having different phone calls from all over the country. Im feeling very overwhelmed. I dont know if its legit my bank said they think it is because its from California , but then I had another lady said that I should probably contact the XXXX XXXX XXXX and federal commission So here I am just going above and beyond to make sure I do so then I went I did make a payment because I dont want my credit to be affected plus, Im feeling stressed out with people calling me from all over the country. Im feeling her XXXX and I just wan na make sure that my Credit doesnt get affected and that this company is legit. I dont know if I did the right thing to be honest. 
Originally started making loans to this company back in XXXX. We opened this alone up because we purchased a dog I know stupidest decision ever in life but my kids really wanted one and at that time I couldnt afford it again. It was alone. I agree to the loan 100 % but since this new company took over the loan, theyre not legitimately respectfully following the rules and regulations I try to make my payment and theyre not letting me, every time I try to go to the portal theyre I dont have access to it. I asked multiple different times and then now I have random late fees I cant even make a payment I call and they wont let me or they add a {$210.00} charge on top of it. Its not fair. I just wan na make a payment without having these random fees attached for no reason. 

I cant even get into my portal to attach documents. Thats the hardest thing right now. Im so sorry. I cant even attach any documents. I actually think I have emails. That would be grateful. 


Sincerely, XXXX XXXX XXXX XXXX XXXX. XXXX hoping somebody can get back to me and see if this company is legit.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Report and noticed that i had late payment on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payment for the account : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, please investigate and provide proof with statements showings that this payment was late. if proof can't be provide i demand these payment be updated on time as they should be as i was NEVER late. thanks
Product: Mortgage

Seterus, Inc. is alleging that I have already had my " XXXX opportunity to qualify '' for a HAMP Modification. However, based on the history and handling of my prior requests for foreclosure prevention assistance, I do not believe that I have been given an unfettered opportunity to qualify for a HAMP. Moreover, as explained in the attached letter that CFPB is copied on, the attempted HAMP by XXXX was nullified by XXXX 's own deliberately improper processing of the HAMP and by the very language in the " Agreement '' itself, at Item XXXX, Section K -- titled " Additional Agreements. XXXX falsely reported to the U.S. Treasury Department that the " implementation process '' for the HAMP on my loan had been " completed ''. Then, with full knowledge that this reporting was false, XXXX proceeded to accept and apply Incentive money from the U.S. Treasury Department to the loan. This was all done by XXXX in a malicious effort to disqualify me from consideration of any HAMP modification in the future. When I refused to comply with XXXX 's request to correct its own error in the notarization of the Agreement ( after XXXX 's XXXX-month delay in even booking the modification ), XXXX proceeded with foreclosure process -- while at the same time having reported the HAMP as completed. When XXXX learned that I did not respond to XXXX 's letter, XXXX retaliated by cancelling my completed application -- requesting re-evaluation for foreclosure prevention ( My employment status changed during the XXXX-month delay ). The reason that XXXX gave was because I would not re-sign and re-notarize the Modification Agreement. But for the last-minute assistance provided through Arizona 's HHF fund, my loan would have been foreclosed on XXXX years ago. I believe that XXXX and/or XXXX have improperly, if not illegally, mishandled prior modifications on my loan -- preventing me from having an opportunity to properly be considered eligible for a HAMP modification. I would like the U.S. Treasury Department or other appropriate government agency to make the determination as to whether BofA/FNMA properly complied with the Servicing Agreements or followed appropriate guidelines regarding my prior requests for foreclosure prevention assistance.
Product: Checking or savings account

I opened an online savings account with Marcus Goldman Sachs on XX/XX/XXXX, linked an external account, and deposited XXXX on the same day. 
I got an [ action required ] email about account lock on XX/XX/XXXX when traveling overseas. My friend called for me and XXXX said it would be OK for me to call when I got back to the U.S.

I called XXXX on XX/XX/XXXX. They unlocked my account. I logged in and could not find my account or see my XXXX funds. I called Marcus again the same day. They said the account was closed, and sent me to a specialist who asked me a bunch of questions " verification questions '' and gave no information about my account details. I have made no withdrawals since I opened the account, and I did not close the account at any time. I was only informed of the account closure when I called Marcus the second time. There's no email or text notification of the account closre.

Now, I have no access to my account or my deposits. The specialist provided no explanation for their deliberate closure of my account and what they did to my deposits.
Product: Vehicle loan or lease

As a result of using a fraudulent credit consolidation company, ( XXXX XXXX ), My Credit Score dropped and accounts became delinquent. Lack of resources caused my vehical used as collateral, was repossessed, sold, and a balance was due, it was then charged off by original creditor. Thus happened in XXXX. I went through the proper channels and procedures through XXXX XXXX over many months in XXXX, Contacting the debt collection agency who currently had my account to verify facts about the debt. Two letters were sent with no reply, I submitted a complaint through XXXX XXXX with no resolution to the unfair practice of not receiving any reply to my requests from Lvnv Funding for the account that is for XXXX, it is also being reported by previous debt collector 12 XXXX XXXX as an open account. please help,
Product: Debt collection

I have been disputing this debt since XXXX. The original creditor is XXXX XXXX which was my former employee for almost 20 years. Almost our entire site was laid off XX/XX/XXXX. I was paying my XXXX XXXX credit card with severance until it ran out. I called late XXXX XXXX about settling account and the CAP ( customer assistance program ) and was told I could not because I was current. I needed the account to be delinquent to do so. They would not allow me the hardship plan even though I didnt have a job and hadnt been approved for unemployment. Then XXXX happened in XX/XX/XXXX. I called back and tried to get a settlement but could not afford the amount plus I didnt agree with the negative or derogatory credit rating it would give me. I called and wrote complaints to the office of the president with no resolution. A year later and they sell my account to a debt buyer and delete their reporting from credit bureau. Now, I receive an update from the credit bureaus of a major derogatory impact from the debt buyer. I have not received any calls, messages or letters from them. I continue to dispute this as XXXX  should not have sold this account while I disputed. I worked in the recovery department and saw they bent over backwards for customers who in fact owed but complained and threaten their reputation. I was drowning and asking for assistance and they refused to help me. No Covid relief or hardship help, all because I was current at the time. 

Riddle me this, why would I as an excellent customer with no late payments intentionally damage my own credit? Who does that? I was proactive and reached out for help. I could not afford it then and cant afford it now. Covid still exists. I have twin sons in college and I can not pay this debt. Its settlement or bankruptcy which I dont want to do but will be left with no other choice. 

Im disappointed that in this day and time, companies seek to make life harder for others. It should not be allowed. 

No attempts to reach me. No letters and if calls were made, there was not a single message left regarding this. 

Again, I dispute this debt. XXXX should never have sold a debt in dispute. They know better.
Product: Debt collection

Hunter Warfield debt collection added to my credit report false information. They listed I owe {$520.00} to XXXX XXXX XXXX The apartments never gave me back my security deposit after contacting them several times. A XXXX day notice was given to the XXXX, XXXX, I was leaving because of noise complaints they never resolved. He agreed. I have the original email from him. The apartments have my address and my mail was forwarded. I never got a notice ( certified mail by law in XXXX ) that they were keeping my deposit. All of a sudden, a {$520.00} collection is put on my credit report. No phone calls and no letters. I want the agency to pay for damages of my credit dropping XXXX points and not following the law. I want to be compensated now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting an account that has an active police report showing XXXX is inaccurately reporting fraudulent balances that was due to identify theft. How did XXXX verify fraudulent balances?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( XXXX ) XXXX is reporting a collection amount of {$310.00} Account # XXXX which they are indicating they transferred to Scheer, Green, and Burke CO. LPM ( XXXX ) XXXX ext XXXX and can not update my credit report. I contacted Scheer, Green, and Burke CO and paid the {$310.00} File No XXXX, but they are stating that XXXX XXXX XXXX still has my file and has to update my credit report. Soo..I called United Collection Bureau and they stated that I no longer have an account there, have no record of me paying it off, and can not update my credit. I have attached my credit report showing the collection from XXXX XXXX XXXX and the receipt from Scheer, Green, and Burke. Few things 1. Why is United Collection Bureau reporting a collection amount of {$310.00} when they state they don't have an account for me? 2. Was it incorrect of me to pay Scheer, Green, and Burke? 3. How do I get this removed from my credit ( either completely or as paid )?
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) is reporting on my credit reports, I have never had an account with this company, My Mortgage was handle by XXXX XXXX. My Home loan was paid in full XX/XX/XXXX and now XXXX is reporting on my CRA as 90 late, I have tried calling the number listed on the CRA report, but it is just no answer. 
Also it is reporting my loan was late XXXX, XXXX, XXXX, XXXX now. I have contacted XXXX and they provided a notice stating there is no adverse action being reported on my CRA reports but the CRA ( Trans Union, XXXX  ) states and show the information is being reported as accurate after I have sent them all the paper work to dispute and correct. 
I want all information from this company removed from my CRA reports.