23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Not sure where to start. But recently we decided to rewrite our loan with a local bank ( XXXX XXXX ) because our PNC loan was sold to XXXX and then XXXX XXXX. 
After going over paper work with this reputable man at XXXX XXXX, we found out that back in XXXX, when we were forced into a foreclosure program ( PLEASE KNOW this wasnt our fault ). 
I ( XXXX XXXX XXXX ) had lost my job like many others. They were saying on the news to contact your mortgage company for some options, to keep or sell your home. 
PNC did a BAD thing ... .they have done this to SO MANY OTHERS ... they put us into foreclosure and we were NEVER behind a single payment. WE HAVE PROOF! 
I have records of EVERYTHING and yet going up against a big business like PNC feels hopeless. Please tell us we can get help! 
As we went to rewrite our current mortgage recently, we found out that PNC had rewritten our loan to a 40 year mortgage to help us out. This we understood. We did not want to leave our home, especially because we did n't HAVE to. But what we recently learned was ... .PNC had taken all our equity put into this home. {$25000.00}!!!!! We have lived in this home since XXXX and we have NOTHING to show for it thanks to PNC!!! 
We are sick!! We do not want this to happen to anyone else. THIS WAS A SCAM. 
As I researched online to see if there are any lawsuits against PNC, I came across SO MANY others that were put into the same scam!! How sad is that??? 
**Please PLEASE help us** ... .this was done unfairly. This was done to us while we were under attack and scared. This was done UNJUSTLY because we were never behind in any payments ... .all we did was ASK what our options were. 
I hope I have given enough information here and I welcome you to call me/us. 
Thank you very much for reading our complaint. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL
Product: Credit reporting, credit repair services, or other personal consumer reports

In proper use of credit reporting. 1 15 usc 1581 section 604 section 2 I also state a consumer reporting agency can not furnish your information without your written consent.3 In accordance with the fair credit reporting act XXXX  account number has violate my rights.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX Request for Removal of Fraudulent Late Payment Due to Identity Theft Please Remove Late Payment XXXX XXXX Account Number : XXXX Dear, XXXX, Experian I am writing to formally dispute a late payment that has been inaccurately reported on my credit file due to identity theft. The late payment in question is associated with the account [ XXXX ] and occurred on [ XX/XX/XXXX ]. 

I did not authorize the use of my personal information for this account, and I have taken steps to report this identity theft to the necessary authorities. Enclosed, you will find a copy of my police report, FTC Identity Theft Report, and any other documentation to support my claim of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate deletion of this fraudulent late payment from my credit report. This late payment has negatively impacted my credit, and I trust that your investigation will confirm that this was not a transaction I made or authorized. 15USC CODE 1681 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ) Please confirm in writing that this item has been removed from my credit report. Should you require any further information, feel free to contact me at the phone number or email provided above. 

Thank you for your time and prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

My credit card was stolen and used there are fraudulent charges on this account Navy Federal has refused to correct the issue instead they are updating the dates and balances and account history each time I dispute the account prolonging the process also the account has been reported charged off but I received a letter from a collections company whom Navy Federal has sold the account to trying to collect on this debt. As a victim of identity my information should have been kept confidential. I am entitled to a full investigation and removal of this account. This account does not follow FCRA guidelines and is a violation of my rights as a consumer. This account is reported charged off which means a 1099-c should have been mailed to me regarding this action made regarding the accounts status. Under 15 U.S.C.1681b, 15 U.S.C.1666, 15 U.S.C.1666b 15 USC 1681S-2 my rights have been violated.This debt collector has not provided me proper debt validation for this debt. Please delete this from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to the Better Business Bureau originally but the company never responded to the complaint. 

Portfolio Recovery is violating the laws by inaccurate credit reporting Portfolio Recovery is attempting to collect a debt from me as a collection agency. They are reporting on my credit report as a " factoring company '' and also reporting this account as " open '' and reporting late payments. A collection account is not allowed to be listed this way. This is a violation. I have copies of my credit report to prove that this is how it is being listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is not giving me any infromation on how the have validated this account I have disputed and asked for them to furnish me the information, due to me persoanl not being able to contact this company. So I need to know how are they contacting the company if I can not.
Product: Checking or savings account

Im sick of this. This is causing me so much stress and anxiety! My XXXX XXXX is shooting through the roof! Lets just take this to court! I just wrote a very lengthy message here and it did not saved it. Explaining me to contact the ale departments at chase bank that have lost my money to my creditors! Im getting voicemails on XXXX when they are not supposed to be working! Its a game to them. My utilities are going to be cut off! Being out on hold for hours. Calls being disconnected. Managers blowing me off. On-site bankers, managers, and presidents not doing anything about it. Just stating that they have a language barrier with their own fraud and online departments. Dropping my calls back into the customer service line, being hung up on multiple times when asked if I could hold while they connect me or get more information! Chase is purposely not wanting to take any responsibility for my account being hacked into and money lost that was taken out of my account to go to my creditors. They never received being told they will need to take additional money from me! Me paying my creditors twice with my own money due to chase not taking any responsibility! It has caused so much stress and XXXX XXXX! I am also XXXX I cant take it anymore! They all have been very unprofessional rude! And blowing this whole situation off! I need someone to help me make Chase bank accountable for their whole lack of responsibility and actions. Calling me on XXXX when I was told the executives dont work nor are they supposed to work on XXXX! So why are youll calling me with bogus unprofessional voicemails on a Saturday! THIS IS MY SECOND COMPLAINT! DUE TO THEM WASTING TIME AND BEING UNPROFESSIONAL!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Product: Mortgage

In XX/XX/2020, we applied for a Home Equity Line of Credit. The estimated time to complete the transaction was 2-3 week, plus " little longer due to COVID ''. 

We hounded the branch constantly for status updates. There would often be something needed that no one communicated. We'd provide what was needed every time. This process went on like this until XXXX. At that time they said they were " working on title '' and it was would be soon. 

At this point, we stopped contacting them and never heard a word from them again. I finally called them in XXXX and told them to cancel the loan. They told me then it was already expired. Again, there was no written, electronic, or voice communication for the past three months. 

We had contractors lined up on the continual promise that the loan would close " next week '' or " soon '' over and over. We paid almost {$300.00} to process a XXXX lien for our solar panels that had to be subordinated to third position. 

I've included a PDF that documents every contact we had with them and who did what and when. In XXXX, I asked the branch manager what channels were available to file a complaint, he gave me a toll-free customer service number. I filed my complaint and never heard another word from them.
Product: Debt collection

I was a victim of identity theft. The following year and every year since then I have had to have a pin to complete my income taxes. After working for years to build my credit back up, I get a XXXX point deduction and was told it was from a medical bill that I had no knowledge of. When I contacted the debt collector, they rudely told me to get the proof and we will go from there. I said, well what is considered " good enough '' proof? I wasn't given a direct answer and still don't know where to turn.. I do have enough money to pay it, but the fact remains that it is not my debt and money is very tight due to work slowing because of the covid-19 pandemic.
Product: Debt collection

Consumer complaint narrative As a federally protected consumer I'm seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) 15 USC 1692 ( f ) and USC 1692 ( g ) in this alleged matter. 2 ) What is your authorization of law for your collection of information? 3 ) What is your authorization of law for your collection of this alleged debt? 4 ) Please evidence your authorization to do business or operate in the state. 5 ) Please provide proof of the alleged debt, including specifically the alleged contract or other instrument bearing my wet signature. You have 7 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( XXXX ) in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. I can't obtain housing or employment due to the violations on my credit file. Failure to respond within 7 days of this letter will begin my small claims action against your company. I will be seeking { {$5000.00} } in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) will be notified regarding this alleged debt
Product: Credit card or prepaid card

The account in discussion is Discover Bank account # XXXX the issue at hand is a late reported in XX/XX/2020. Back in XX/XX/2020 I was sick with Covid-19 and unfortunately I was unable to reach anyone at Discover to defer my payment. Once I was well enough quickly made the payment.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and discovered several unauthorized accounts that do not belong to me. These fraudulent accounts have severely tarnished my financial reputation and have caused significant distress, especially as I am currently in the process of purchasing a home.
Product: Credit card or prepaid card

In XXXX of XXXX I moved to Hawaii where I live and work full time. I have made no trips outside of the state since I moved here. In the spring of XXXX someone in North Carolina fraudulently opened a citicard credit card account in my name. I became aware when I was notified of the card being locked via a text message, which I at the time assumed was spam and ignored. Months later I was notified by my credit reporting that there was an overdue account in my name and at this point I realized what had happened and called citicard to report the fraud. I received no contact back for a year and assumed it had been resolved until I received another warning from my credit reporting. I contacted citicard and learned that my claim had been rejected, though they had never discussed the case details with me. I appealed their decision and was able to speak with an investigator on the phone and provide documents to show that I lived in Hawaii at the time the account was opened and the charges were made in North Carolina. This time I was mailed a letter saying my claim had been rejected on the basis that the credit card had been mailed to my address ( which it hadn't ). Even if that was true, clearly it was used fraudulently ( ie not by me ) as I was in HI when the charges were made in NC.
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate information on my credit report unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has not removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove the disputed accounts, as Equifax 's inaction violates federal law and my rights as a consumer. 

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
Product: Money transfer, virtual currency, or money service

I have messaged, and called Paypal trying to close my account. They are refusing to do it, even though I have no money in my paypal account, no transactions pending, etc. My account is not limited. I would love to attatch screenshots, but because I called about closing my account ( it tells me to call when I try to close it in my account ) they froze my account so its still open but I cant access it! I'm supposed to call back in 3 days to see if they will unfreeze it and maybe close it then. This sounds rediculous, but this is what I'm dealing with! I have called 3 times, and messaged in app.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is in violation of 15 USC 6802. They are sharing personal information after I have opted-out of personal information sharing. Also the status of the accounts are showing incorrect. They are showing as a " Charge-Off '' which would then have to be reported as income, and income is not the be shown a a consumer report. This account also meets the criteria of what is to be EXCLUDED from a consumer report per 15 USC 1681b.

" ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ]
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I filed a complaint against Equifax for potentially keeping my credit score at the lowest level since I am an XXXX XXXX. Since then they dropped my credit score XXXX points which I reported to the Consumer Financial Protection Bureau and they sent me a letter stating that they could not find my credit file and needed additional documentation. I provided The Consumer Financial Protection Bureau with my name, XXXX and complete social security number. Fyi : I also have purchased an Equifax report and plan online and yet they can not find my credit report? It is on their website?