23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On about XXXX XXXX, I applied my credit for a personal loan through PNC bank. On XXXX XXXX I called PNC via telephone and spoke with a spokesperson whom told me that I was DENIED a personal loan for whatever reason. She also stated that I will be receiving a letter on why I was denied MY OWN CREDIT!! ! As a consumer and according to the USC LAWS, I am allowed to have multiple loans out without it being held against me. Mind you, I already applied for XXXX loans before and was APPROVED! Why all of a sudden, this time I get denied? According to the USC laws 12 1431, banks are borrowers and can never deny me of anything! Pnc has broken numerous of USC LAWS. I am also going to attach the laws that PNC has broken and I will be filing a complaint with the XXXX. A copy of this letter will also be given to the attorney general.
Product: Mortgage

Issues with ESCROW account - This loan was closed with no escrow by XXXX XXXX XXXX XXXX. This loan was immediately sold, with no escrow, to Select Portfolio Servicing Inc. My monthly payments are {$800.00}, I have been paying {$990.00} every month where {$190.00} should be going to principal. 
For whatever reason this mortgage company has this mortgage as 'with escrow ... ''. After months in XXXX of my trying working with them they agreed and said that they will credit my account. I continued making regular payments. Just now, XXXX XXXXI found out that this company has put my account back as 'with escrow ' and paid for my property insurance, while I'm paying my insurance and property taxes. I have tried again working with them since XX/XX/XXXX, I have made numeruos calls and in every call I spent about an hour on the phone, going through circle with too many clerks and supervisors, I sent numerous faxes and I am getting back piles of generic mail, 99 % not related to my issue except for two letters stating that they refuse to remove my escrow and the other is my new amount to pay ... including escrow ... .how come ...? My mortgage was fixed-rate ... 
My loan originator has tried contacting, by email, several higher level personnel - unfortunately, no response from anyone of them. 
I have exsausted every option and now. Ashtonished and desperate I am asking for your help. 
I would like to know, from the biginning, ( 1 ) how much I deserve in credit and how can I receive my money back, ( 2 ) how much went into my principal paying {$190.00} additional every month and ( 3 ) eliminating this escrow account once and for all. Suportive documents are available. This company handles another mortgage account on another property of ine and I would like to verify that numbers there are correct as well. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

All information Loancare ( a subsidiary of XXXX XXXX XXXX, also called XXXX ) is reporting to the credit bureaus is inaccurate for the following reasons. ( Each number below is an inaccurate statement given to one or more of the 3 credit reporting agencies. ) 1. DATE OPENED : XX/XX/XXXX - I did not open an account with them on XX/XX/XXXX as I had no relationship with Loancare ( a subsidiary of XXXX XXXX XXXX also called XXXX ) prior to XX/XX/XXXX. Loancare/XXXX XXXX purchased my mortgage from XXXX in XXXX upon XXXX filing for bankruptcy. 
2. DELINQUENCY FIRST REPORTED : XX/XX/XXXX - I could not have been delinquent with Loancare/XXXX XXXX on XX/XX/XXXX as I had never heard of them or had any obligation to them prior to XX/XX/XXXX. I did, however, make my XX/XX/XXXX mortgage payment in full to my lender at that time, XXXX Mortgage. ( XXXX later merged with XXXX. ) ( I have provided proof of payment to all three credit reporting agencies. ) 3. ACCOUNT STATUS : Included in Bankruptcy This account was not even opened during the bankruptcy proceedings in XXXX. Additionally, the bankruptcy documents show that I intended to continue paying my mortgage to the lender at the time, XXXX, which I did. I have never missed a mortgage payment. Not once in the 18 years I have lived in my home. 
4. ACCOUNT CLOSED This account was opened XX/XX/XXXX when I made my first payment to them and I have continued to make my payments on time every month so its actually not closed at all. They simply choose not to report my payments and erroneously state the account is closed as a punitive measure because of the bankruptcy proceedings which did not include them and had no impact on them. 
5. MONTHLY PAYMENT - {$0.00} My monthly payment with Loancare/XXXX XXXX is currently {$1600.00} which included taxes and escrow. 
6. NO PAYMENT HISTORY This account is open and active since XX/XX/XXXX. I have made every payment on time. 
7. DATE CLOSED : XX/XX/XXXX I did not even begin paying LOANCARE until XX/XX/XXXX ( so it couldnt be closed in XXXX ) when they purchased my mortgage from XXXX and I have continued to make my payments on time every month so its actually not closed at all.
Product: Mortgage

My husband and I received a letter from Bank of America dated XXXX/XXXX/16 informing us our mortgage is to increase XXXX XXXX, 2016 from {$3800.00} a month to {$4700.00} a month. The explanation seems suspect in that the increase is to bridge an escrow shortage of {$5100.00} ... also due XXXX XXXX? Please help me understand how a monthly mortgage can so dramatically increase just a few months after refinancing. I would have thought Bank of America would have correctly calculated this during the ridiculously long refinancing process.
Product: Credit reporting or other personal consumer reports

These inquiries do not involve me, and I have no ties to the listed creditors.
Product: Debt collection

-On XX/XX/XXXX I sent a Certified validation request letter for collection on my account for {$970.00} from Jefferson Capital Services . In my letter I asked for all validating documents I have the right to see and gave 30 days to them. I waited months For a response yet they continued to report on my credit file. Come XX/XX/XXXX I still hadnt heard from the company yet my credit remains so I decide to resend another certified validation letter which was delivered XX/XX/XXXX & still until this day they have not validated this debt and not supplied not one peice of proof showing I owe this debt yet they continue to report on my credit reports. I waited another 30 days for response and nothing still. On XX/XX/XXXX I sent another certified letter requesting/demanding removal of this debt from my reports given they have not supplied bo evidence of this debt being owed in the past 5 months. I also sent my information to the actual bureaus requesting removal. As of today nothing had changed and still no proof of this debt being owed and now Im here.
Product: Credit card

On XX/XX/XXXX 2024 Citi Card took a total balance payment of {$170.00} from my XXXX XXXX XXXX XXXX ( AFCU ) account electronically without my permission resulting in an XXXX overdraft fee of {$33.00}. I called XXXX and they said Citi Card did it electronically. Isnt it illegal to do that? I had to fill out a form from XXXX to get my money back. Then Citi Card charged me a {$30.00} return check fee. I called Citi Card on XX/XX/XXXX/24 and asked to speak to a manager and he said it was for a previous card that had been lost/stolen. I went into shock, couldnt speak, and he got off the phone. I then called Customer Service and a woman said I would have to wait until the {$30.00} pending return check fee posted before anything could be done so I waited until it posted on XX/XX/XXXX 2024. 

I called Customer Service on XX/XX/XXXX2024 and spoke to a woman who said wait three days for an investigation to complete. After three days and hearing nothing, I called back on XX/XX/XXXX 2024 and spoke to XXXX (? ) who said there had been no investigation and he said he waived the fee because of that. XXXX said it would take 2-5 business days for it to reflect on my account and I would receive a letter in the mail confirming the waived fee. It has been three days and the fee is still on my account. I need help getting away from this bank. They robbed me. I never pay them until the XXXX of each of the XXXX months I have had the card. I dont have the money on the XXXX to pay them. I paid {$170.00} on XX/XX/XXXX2024 with their telephone pay line but not the {$30.00} for the return check fee that I didnt authorize. I want it removed from my account and be rid of this financial institution. 

Emails of my Citi Card payments : Transactions Date Description Amount Running Balance Posted Total XX/XX/XXXX 2024 PAYMENT THANK YOU - {$170.00} {$30.00} XXXX XXXX, 2024 XXXX24 XXXX RTN R10-CUSTOMER ADVICS  {$170.00} {$200.00} XX/XX/XXXX2024 RETURN CHECK FEE - XXXX {$30.00} {$30.00} XX/XX/XXXX2024 ONLINE PAYMENT, THANK YOU - {$170.00} XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) Your statement is available online - make or XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) Your Citi card ( s ) XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) Citi Card XXXX ( card ending in XXXX ) XXXX XXXX XXXX XXXX XXXX my bank ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX VA XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX opened XXXX XXXX # XXXX, Account name : XXXX XXXX opened # XXXXAccount name : XXXX XXXX # XXXX, Account name : XXXX  # XXXX opened XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX  acc # XXXX. {$440.00} XXXX XXXX acc # XXXX XXXX has violated my rights. 

I looked at my credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 reporting, credit repair services, or other personal consumer reports

In XX/XX/2020, I was notified by XXXX  XXXX & XXXX  that a hard inquiry was placed on my credit report to open a new line of credit with XXXX XXXX in Michigan - a state I have never even visited or resided. This inquiry was flagged as potentially fraudulent & I was immediately notified. I responded to the messages, confirmed my identity to XXXX  and XXXX XXXX, fraud alerts were placed on all 3 credit reports, and XXXX XXXX denied the application as fraud. XXXX  immediately removed this hard pull from my account, but XXXX XXXX failed to remove the fraudulent hard pull from XXXX  & Equifax. Since these are hard pulls, they negatively impact my credit score. In XX/XX/2020, the CFPB assisted me in getting XXXX XXXX to correctly fix this fraud error on my credit reports ( see attached letter dated XX/XX/2020 ), but to date, Equifax has not corrected this hard credit pull.
Product: Checking or savings account

Navy Federal will placed overdraft fees on transactions where there is money in the bank. 
There are times when I've made debit transactions with ample money in the bank but when i check my statement, it will be processed on different dates at different times, therefore setting me up for an overdraft fee.
Product: Checking or savings account

Chase has decided to start charging for an addon service that I never authorized. In the last three months i have made multiple attempts to get them stop charging for " Chase ACH Payments Monthly Fee. '' A service I did not turn on nor am I using. I was told the charges would no longer continue, but I am still being cahrged for this service and have to contact Chase every month to remedy this fee. 

To be clear, I at no point authorized this service. I at no point engaged in using this service. Chase has not been able to provide any proof of authorization for this service. Chase has agreed to no longer charge for this service and disable it on my account, but continues to do so.
Product: Credit reporting or other personal consumer reports

I have discovered unauthorized accounts and inquires on my consumer report, prompting me to file a complaint with the Federal Trade Commission ( FTC ). My grievance is directed towards Experian, Transunion, and Equifax for infringing upon my consumer rights by including these accounts in my credit report. I strongly believe that this situation exploits me and seek resolution. 
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 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 XXXXXX/XX/XXXX
Product: Credit card

I bought a bed ( mattress & box spring & mattress pad protector included ) from XXXX JC Pennys last Wednesday the XXXX of XXXX 2017. I spent about {$500.00} for it but however I have yet to receive it. I keep getting the " runaround '' from JC 's. 
First they told me I would receive it on the XXXX? then again the next day the store told me i 'll get it. I am fed up with it all.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are hard inquiries on my credit report. 
I did not consent any of the Hard Inquiries.
Product: Credit reporting or other personal consumer reports

Dispute Department : TRANSUNION LEGAL DEPARTAMENT NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the FCRA regarding your refusal to delete UNVERIFIED information from my consumer file. 

I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. 
A copy of this letter as well as the previous letters that I have sent you will be part of the file that will be submitted to the FTC and used as evidence of your negligence to perform the duties outlined by the FCRA. 
If you claim that these accounts are verified, who verified this account? You did not provide me with a copy or any documentation to serve as verification of this account. 
The law is very clear on the Civil Liability and the remedy available to me ( section 616 and 617 ) if you fail to comply with the FCRA. I need you to comply with the law and provide me with the documentation used to verify these accounts, or delete these accounts from my credit report. 
Account Information : Creditor Name : XXXX XXXX  XXXX Account Number : XXXX INACCURATE INFORMATION AFTER ASKING 5 TIMES TO ACCOMMODATE MY ACCOUNT Additionally, I would like to point out that XXXX has correctly deleted the XXXX XXXX XXXX XXXX account from my credit report following my request for verification and removal of unverified information. This further underscores your ongoing and negligent failure to remove the same account from my file, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ). Under 15 USC 1681s-2 ( b ), credit reporting agencies and data furnishers are required to correct or delete inaccurate or unverifiable information, as XXXX has done. I expect you to take the necessary corrective actions immediately to avoid further legal action.
Product: Mortgage

last year I applied for a loan with Umpqua bank ( actually sent a complaint to CFPB on the loan officer last year ) and rescinded the loan the day after I signed since it was not the terms I was told it was. 
Recently my husband and I decided to do a refinance and found out that Umpqua bank recorded a XXXX on my home. As you can imagine I was so upset. I have been dealing with them for the past week, and they are trying to fix it however has not happened yet. 
That is illegal and should not have happened.
Product: Debt collection

I called on XXXX/XXXX/XXXX and asked about a XXXX negitive mark / bill on my credit report. I asked if they could do a settlement because I need that mark removed.i was told that they do n't do settlements and that I could make payments or pay in full and then it would be removed ones all of the money was paid. I said ok can I get all of that in writing. The lady said yes verified my address and said she would send it right out. On XXXX/XXXX/XXXX I I got a letter in the mail saying that I owe XXXX and I had a payment due XXXX/XXXX/XXXX. When I did not respond I got another letter that was out of line with false statements I never made and a higher amount than the last letter XXXX at this point I do n't believe I owe any of this bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Ive been trying to reach the different Bureaus by letter letting them know wich information its incorrect on my Credit report since a few months ago, there are two companies that I have sent letters for 3 times with no answer at all. I havent receive an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with my credit report.
Product: Payday loan, title loan, or personal loan

My due date is the XXXX of each month. On the XXXX, funds are auto-drafted from my checking account. I would like to make payments earlier ( 1-3 weeks earlier each month ) when I have the money available. I would rather make my payment on the loan where I am being charged interest than to have the money sitting in my account earning 0 % interest. Lending Club refuses to allow me to make payments before the due date. They would like to earn extra interest by forcing me to not make payments early. They told me that if I made a payment today ( 3 weeks early ), they would take out a full payment again on the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED ONLINE DISPUTE THRU XXXX XXXX ON PORTFOLIO RECOVERY ( PA ) FOR A XXXX ACCOUNT.XXXX PUT THE ACCOUNT ON MY CREDIT REPORT ..I RETURNED THEIR EQUIPMENT AND CELL I I CANCELLED CONTRACT BECAUSE BEFORE ENTERING IT I ASKEDTHEM TO VERIFYTHEY HAD SERVICE IN AREA I WAS WORKING IN XXXX XXXX XXXX NC AT THE TIME THEY GUARANTEED ME THEY DID. I RECIVED XXXX CELL BUT NO SERVICE IN THAT AREA. THEY OFFERED ME A XXXX XXXX TO INCREASE SIGNAL STILL NO SERVICE. I CANCELLED AND RETURNED BOTH ITEMS.XXXX  SAID I CANT AND TRIED TO CHARGE MESTILL FOR BOTH.THEY PROCEDED TO SELL THE CONTRACT AFTER I CONTACTED THEM ABOUT IT TO PA, who when i disputed it with statement removed it from 3 credit bureaus but sold it to sister company, XXXX XXXX XXXX ( XXXX ), who readded it to my repport. I am requesting they remove this account for {$1000.00}, because they did not validate debt and the XXXX XXXX items {$440.00} item from my credit report also because they preinted same type letterThey ( PA ) also sent me a letter they printed ( forge ) from XXXX XXXX. I have yet to receive a contract or letter with my signatutre saying i owe this debt. When they received my certified signature required letter with a letter they print cause it has same number and code at bottom as their preprinted letter saying i owe debt proving its not from origional creditor ..withwriting { this is communication purposes and not to collect a debt }. 
This paperwork does not have my signature or id recorded and does not validate this debt. i will be pursueing a lawyer if this persists
Product: Credit reporting or other personal consumer reports

Recently I locked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit it is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate. 
XXXXXXXX XXXX  account number XXXX
Product: Credit reporting or other personal consumer reports

On these dates below, I have requested this company to verify and validate the negative information/accounts that they are reporting on my credit report. I have not received any validation from them. This information is very inaccurate and reporting incorrectly on my credit report and I have asked them several times to either verify or remove it. I have asked them XXXX different times and have mailed in letters requesting this information to either be verified or removed. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 2024
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing server addresses to be removed from my credit report and experian refuses my request. I have addresses that I never lived at on my credit report. Then they asking me to send in driver license, employment checks for personal verification and I have twice and they keep emailing me stalling asking for the same items that I already sent in. My name is spelled wrong also on my credit report. My name is XXXX XXXX XXXX. I shouldnt my name 4 different time on my report. I have a right to fix and remove things that do not belong to me.

These two addresses are fraudulent XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX The address below I have asked over and over to remove it and they refuse to. Thats my grandmothers house I never lived there. 

XXXX XXXX XXXX XXXX, MI XXXX
Product: Debt collection

I agreed to pay debt and provided them my card info XX/XX/XXXX. They called me back 4 times from 4 different numbers asking for my card information again each time. I then called then called XXXX who the account was for and paid them directly XX/XX/XXXX. I notified the collection agency to remove from my credit file and they said they havent been notified by XXXX. On XX/XX/XXXX I did a conference call with XXXX and the collection agency and they confirm payment and provided reference number for the payment. Then two weeks later I called again because it was still reflecting on my credit file. The collection agency said they needed to investigate. I sent an email with payment confirmation to XXXX XX/XX/XXXX its still on my credit file and XXXX removed it from collections when payment was made XX/XX/XXXX.