23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

PNC Loan # XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX PNC has never allowed this homeowner to be reviewed for Home Retention Options. 

The homeowners started the short sale process with PNC XX/XX/XXXX - FOUR YEARS AGO. Since the then PNC has inundated the homeowner with multiple requests for the same documents. PNC then allows only a short window of time to return the documents, after which they close out the file, and force the homeowner to start over with completely new and different forms. 

The homeowner has left voicemails for XXXX XXXX ' - her SPOC ( Single Point of Contact ) - at PNC multiple times. XXXX has not once ever returned a phone call. 

We have faxed a Payoff Demand to PNC on XXXX/XXXX/XXXX. We have not received any kind of response whatsoever. We have also faxed a complete short sale package to PNC. They have also not responded to this package. Essentially we have received the same treatment from PNC that the borrower received. 

In fact, the borrower had to get an attorney involved just to get PNC to respond in any way whatsoever. In total, they have worked with a total of XXXX real estate agents, XXXX attorneys, and a professional short sale negotiation company. PNC refuses to respond in any way whatsoever - to anyone. PNC refuses to return phone calls. PNC refuses to provide documents such as a Payoff Demand to the homeowner - this is a violation of their servicing guidelines. 

PNC has never allowed this homeowner to be reviewed for Home Retention Options. 

.... And PNC does n't care.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whomever This May Concern : My name is XXXX XXXX XXXX. I am reaching out to you because of items that are on my credit report that should n't be on there. I have tried dealing with this directly through the credit bureaus, but nothing has happened at all. The items and bureau that need to be dealt with are : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, Transunion : XXXX XXXX XXXX XXXX XXXX, XXXX, and XXXX : XXXX XXXX XXXX XXXX XXXX. 

I have attached my police report and driver 's license to this complaint. This is the last time that I file a complaint. My next step is to file a lawsuit again the CFPB and all credit bureaus. This stuff does not belong to me and it needs to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your company has violated my RIGHTS! I recently received your report and I am in shock. The account is listed below : Reference # - XXXX Date - XX/XX/2019 Delete the account immediately! 

According the FCRA, you have ALREADY VIOLATED 2 LAWS : 1. 15 usc 1681 ( a ) XXXX XXXX XXXX Infringed Upon a Consumers right to privacy 2. 15 usc 1681b ( a ) XXXX XXXX  ) No Permissible purpose/ No written instruction Also attached is a court response stating " The U.S. Bankruptcy Court , XXXX XXXX of Texas does NOT report information to any credit reporting agency. And do not supply credit bureaus/CRA 's with verification of bankruptcies or public records. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, XXXX account XXXX XXXX, XXXX XXXX XXXX XXXX account 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 602 A Section 2 : It states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting or other personal consumer reports

I sent a letter to remove the items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again., 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 Balance Owed : {$400.00}
Product: Credit card or prepaid card

I applied for the USAA Preferred Cash Rewards credit card on XX/XX/2019 and it was approved for a {$11000.00} credit limit. I chose to have the card expedited and I received it through XXXX on XX/XX/2019. The card couldnt be activated and I spent over one hour on the phone with USAA trying to figure out what the problem was. However, Im still not sure why the card was approved but then immediately closed, despite speaking with five different USAA representatives. Also, I still owe them {$8.00} because I chose to have to card expedited.
Product: Consumer Loan

Synchrony Bank closed XXXX of my accounts without my knowledge and authorization. No accounting information was provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed for Chapter XXXX bankruptcy and i did not authorize all the inquiries on my credit report. my credit score has plummeted to nothing and i am trying to purchase a home and this keeps me from owning my First Home and being treated equally like every other consumer. I would like all of these removed  because they were never authorized to look at my credit by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19 I sent a letter certified to Experian regarding a fraudulent account on my credit report and I confirmed that they received it dispute removal package on XX/XX/19 via tracking number XXXX. It is now XX/XX/19 and the disputed item is still being fraudulently reported to my credit bureau and I have not received any update or deletion of this information on my credit report. I am filing a complaint with the consumer finance protection bureau to help me in this matter and expedite this violation of my rights as a victim of fraud. I have paid hundred of dollars in mailing processing and to my credit monitoring websites to refresh and monitor this status. I have paid a total of {$290.00} for this and I am under a severe amount of duress because of this.
Product: Credit reporting or other personal consumer reports

Dear Global Lending ; Cfpb ; ; Dear Credit Bureau Manager ; I am writing to formally dispute the late payment reporting on my Global Lending Services account ( Account # : XXXX ) on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, credit reporting agencies are required to report only accurate and verifiable information. However, upon review of my credit file, I have identified multiple discrepancies and reporting inconsistencies that require immediate correction.

Basis for My Dispute 1. Failure to Maintain Accuracy ( FCRA 1681e ( b ) ) : My account is currently in good standing and " paid or paying as agreed '', yet previous late payments ( 30, 60, and 90 days past due ) remain on my credit history.

The account status and payment history contradict each other. If my account is reported as " current '' and " pays as agreed, '' the derogatory payment history must be removed.

2. Inconsistent Reporting Among Credit Bureaus : XXXX states the account is " paid or paying as agreed, '' yet XXXX and XXXX list past delinquencies. This inconsistency suggests inaccurate reporting in violation of FCRA 1681i ( a ), which requires reinvestigation of disputed information.

3. Failure to Properly Investigate ( FCRA 1681i ) :
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX To whom it may concern : Your company has been listing these items inaccuracy, no name of creditor, no contact information, this is inaccurate reporting. 
Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) states that you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 
Name of Account Account Number Provide Physical Verification COLLECTION XXXX Unverified Account XXXX XXXX XXXX XXXX  XXXX not my address XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX NOT MY ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NOT MY ADDRESS XXXX XXXX XXXX FL XXXX XXXX, XXXX XXXX NOT MY ADDRESS XXXX XXXX XXXX XXXX XXXX, PR XXXX XXXX XXXX XXXX  XXXX NOT MY ADDRESS XXXX, PR XXXX XXXX XXXX XXXX XXXX XXXX NOT MY ADDRESS XXXX, MS XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The mortgage account currently being reported was updated XX/XX/2019. In XX/XX/2019, we applied for a refinance of said mortgage l, but had to remove a HELOC loan, that was discharged in a bankruptcy in XX/XX/2019, cleared from the title. The lien was immediately cleared but now the credit report is currently reporting the entire mortgage discharged in bankruptcy, which it wasnt. The mortgage was reaffirmed on almost 10 years ago. Due to the inaccuracy of reporting the correct information, we were declined a refinance. I have disputed the inaccuracies with Experian and reported the inaccuracy to XXXX, but to no avail. Do to the recent and extensive negative impact upon our livelihood, I am going to attempt to resolve this before retaining legal counsel. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate and Improper Reporting on CRA 's which is defaming my character and violating my rights.
Product: Checking or savings account

Hello, I had sold my home because I was about to go into foreclosure and originally I was supposed to get {$400000.00} net proceeds and it turned out to only be {$36000.00} and XXXX XXXX and in the mortgage business so I could not find a job so every XXXX counts. I had opened up a chime account several months ago and decided to transfer from my cXXXX account to Chime {$10000.00}. I never heard back from chime and come to find out they closed my account so I asked the to please wire the money back to XXXX and they said they cant until I give them a copy of my drivers license, social security card, birth certificate, and and explanation where my deposit came from so I wrote them an explanation and also provided them with my XXXX account statement and my final closing statement to prove where my money came from and still nothing. I called and called and resent my documents to chime at least XXXX times and they kept on losing everything. I begged and pleaded with tnem and even told them Im out of work and need my money to survive and still nothing. I then found the CEO XXXX XXXX and sent him a private message to see if he can help me but he never replied and keep in mind hes worth billions of dollars so now Im at my XXXX end and coming to you for help I am so desperate and cant pay my bills, buy food, and living on a XXXX XXXX XXXX XXXX because I need that money in order to put a deposit on an apartment. Can you help me? Im having XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please let me know what I can do to get my money back. Thank you, XXXX XXXX XXXX
Product: Credit card or prepaid card

Capital One : Made a purchase of 1x item. 
Vendor charged me 8x. 
Filed a dispute of charges which was honored. 
1 week later reinstated. 
Called over a dozen times to no avail. 
Sent proof of purchase to no avail. 
Told by rep that proof of purchase from the vendor was never submitted. 
Paid for my 1x purchase and cancelled my card in XX/XX/2022. 
Even though I did not received my 1x purchase. 
6 months later, started receiving the fraudulent charges with interest. 
Unacceptable!
Product: Debt collection

Under the Fair Debt Collection Practices Act, a debt collector CAN NOT : 1. Call before XXXX or after XXXX. or at any time or that they are given notice that it is inconvenient to call ( FDCPA 15 U.S.C. 1692c ) 2. Cause a telephone to ring an unreasonable amount of times ( FDCPA 15 U.S.C. 1692d ) 3. The FDCPA considers repeat calls as harassment. [ 15 USC 1692d ] 806 ( 5 ) 4. If you make a written request for the collector to cease communication, it can only contact you one more time, via mail to let you know one of the following : that further efforts to collect the debt are terminated, that certain actions may be taken by the collector, or that the collector is definitely going to take certain actions. [ 15 USC 1692c ] 805 ( c ) 5. Violation of Fair Credit Report Act by listing this disputed account XXXX on XXXX credit bureaus, causing more negative credit factors and lowered scores- Sending false information to the credit bureaus ( FDCPA 15 U.S.C. 1692e ) It is my contention and intention to prove that the defendant has violated the aforementioned consumer protection acts.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, and as a result, several accounts on my credit report are fraudulent. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that you immediately block and delete the following accounts and inquiries from my credit file. These accounts were opened without my consent, and I am taking the necessary steps to resolve the situation. 
Accounts to be Blocked and Deleted : 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 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: Mortgage

my name is XXXX XXXX and i have a housing choice voucher for homeownership. i closed on my home in XXXX  of 2020. XXXX XXXX housing authority pays part of my mortgage and then i pay part of the mortgage. i have been told this is a dual payment option. Pennymac is the servicer of my loan and they continue to harrarras and threaten me on the phone that they will be filing a lien on the property for nonpayment yet XXXX XXXX and myself have verified ALL mortgage payment have been made timely. they have poor record keeping and they are ugly and threating to take my home.i am very stressed out as im XXXX, currently XXXX  with XXXX children to care for i do not need this XXXX. i don't understand i am paying my mortgage im making sure the housing authority is making the payment. this is just discriminations from PennyMac to take my home. i need help now
Product: Credit reporting or other personal consumer reports

I am writing regarding a credit inquiry that appears on my credit report dated XX/XX/year> under the name of XXXX XXXX. I would like to inform you that I did not authorize this inquiry and I am formally requesting that it be removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

The FCRA stipulates that credit reporting agencies may only include inquiries that have been authorized by the consumer. Since I did not provide consent for this inquiry, I am requesting that you remove it from my report and provide written confirmation once the removal has been completed. 

Please treat this matter with urgency. I appreciate your attention and look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter originally on XX/XX/2020 challenging the accuracy of a Chapter XXXX reporting on my credit report to Experian. Experian came back as verified. I sent another letter on XX/XX/2020 asking for the Method of Verification. I did not receive the Method of Verification it has been over 15 days and I still have not received the Method of Verification. They reinvestigated and " verified '' the reporting on XX/XX/XXXX but still no Method of Verification. Per my rights, under FCRA 611 ( a ) ( 6 ) B ( iii ) I have the right to that information and it has not been provided. Therefore because they are in violation of my rights I am requesting a deletion.
Product: Credit reporting or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for collections. I have tried numerous times to have this situation resolved with no resolutions.Inaccurate Addresses : 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 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: Debt collection

Mrs BPO keeps adding the account to my credit report, however, I have never received notification of the debt or my rights as a consumer in writing. I have disputed with the bureaus and XXXX has removed. XXXX XXXX XXXX have not.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XX/XX/2017    I contacted  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX , AND  XXXX   XXXX    XXXX    XXXX  in order to remove hard inquiries that was placed on my credit report by these companies and no one could help me as they do not know what the process is in order to remove them. I disputed them online through Equifax and was told that I needed to contact the creditors directly but they was of no help at all. I need these  XXXX  hard inquiries removed from my credit report. Equifax told me that they could not personally remove these inquiries and each of the creditors told me that they could not remove these inquiries and that Equifax has to do it.
Product: Mortgage

On XX/XX/2020, MTGLQ Investors, L.P. foreclosed on a loan with XXXX XXXX for a property at XXXX XXXX XXXX, XXXX, MS , XXXX. It appears that they used a servicer, XXXX XXXX XXXX, to do so as XXXX 's phone number was listed on the legal paperwork. Internet searches indicate that MTGLQ Investors, L.P. is an entity controlled by Goldman Sachs. Since foreclosure, MTGLQ has not maintained the property, and it is currently an abandoned eyesore with vagrants, drug users, and other issues emanating from it. I have tried to reach out in any way I can to this company to beg them to either sell it to me, list it with a realtor, ANYTHING, but they have clearly abandoned it over the past three years. This is leading to a severely detrimental effect on our neighborhood, and I am hopeful that the CFPB can help.
Product: Student loan

I want my loan to be look into because I just do not agree with how much I am paying for this loan Program Principal Interest Penalty/Fees Total Debt Balance XXXX {$13000.00} {$690.00} {$0.00} {$14000.00} Total {$13000.00} {$690.00} {$0.00} {$14000.00} Payment History Payments that have been made towards paying off your defaulted federal education debt are listed below. This information is listed in chronological order with the most recent payments near the top of the table, and oldest payments near the bottom. 

To view the remaining balance outstanding on your defaulted federal education debt, click here. 

NOTE : Only payments made directly to the XXXX Default Resolution Group are listed here and not any payments sent to guaranty agencies or to the Department prior to when the debt entered default. 

Payment Effective Date Payment Type Payment Amount Applied to Principal Applied to Interest Applied to Fees & Charges XXXX/XXXX/XXXX PAYMENT {$170.00} {$0.00} {$140.00} {$34.00} XXXX/XXXX/XXXX PAYMENT {$170.00} {$0.00} {$140.00} {$34.00} XXXX/XXXX/XXXX PAYMENT {$170.00} {$0.00} {$140.00} {$35.00} XXXX/XXXX/XXXX PAYMENT {$170.00} {$0.00} {$140.00} {$34.00} XXXX/XXXX/XXXX REAPP {$0.00} {$0.00} {$32.00} {$0.00} XXXX/XXXX/XXXX PAYMENT {$170.00} {$0.00} {$140.00} {$34.00} XXXX/XXXX/XXXX PAYMENT {$170.00} {$0.00} {$140.00} {$34.00} XXXX/XXXX/XXXX PAYMENT {$170.00} {$0.00} {$140.00} {$34.00} XXXX/XXXX/XXXX PAYMENT {$170.00} {$0.00} {$140.00} {$35.00} XXXX/XXXX/XXXX PAYMENT {$170.00} {$0.00} {$140.00} {$35.00} XXXX/XXXX/XXXX PAYMENT {$170.00} {$0.00} {$140.00} {$34.00} XXXX/XXXX/XXXX PAYMENT {$190.00} {$0.00} {$150.00} {$37.00} XXXX/XXXX/XXXX PAYMENT {$170.00} {$0.00} {$140.00} {$34.00} XXXX/XXXX/XXXX REAPP {$0.00} {$0.00} {$26.00} {$0.00} XXXX/XXXX/XXXX PAYMENT {$170.00} {$0.00} {$140.00} {$34.00} XXXX/XXXX/XXXX PAYMENT {$170.00} {$0.00} {$140.00} {$34.00} XXXX/XXXX/XXXX PAYMENT {$170.00} {$0.00} {$140.00} {$34.00} XXXX/XXXX/XXXX PAYMENT {$170.00} {$0.00} {$170.00} {$35.00} I have not pay any on the principal yet