23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

This is also connected to my complaint with XXXX XXXX # XXXX, XXXX has been totally cooperative! PNC Bank is the problem! PNC Bank is very aware that there is an internal problem with receiving transfers. PNC is doing this to hundreds of customers and accessing late fees and daily fees. I filed a complaint with the XXXX XXXX XXXX and one of their executives responded to my complaint. She wanted a detail of all payments to PNC Bank and now the want the RPPS Sheets stating how they sent the money. Either someone internally is stealing monies, or the bank as a whole is because I have been with XXXX since XXXX of XXXX and there were no issues until XXXX, XXXX. They have assessed a {$40.00} fee for XXXX payment when it has been sent to them and soon, they will be assessing another fee for XX/XX/XXXX. I really need this to be investigated immediately. There are hundreds of customer going through this and someone needs to step in immediately.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, while trying to log into XXXX account on my new tv, I was prompted to email XXXX to conclude the setup process. A phone number then appeared on the tv, which I called. They said they were XXXX employees and were turning over all XXXX  accounts to another type of account. In this fraud, I was told that for {$260.00} I would no longer have to pay the $ XXXX for XXXX XXXX for 5 years, and would also get several pay channels through XXXX  for free. Neither was true. I paid through PayPal. The next day when I realized the scam, I called XXXX who said they were aware of the scam against many others, and I would have to try to get refund through PayPal. He also said his experience was that PayPal would not refund for the fraud. I filed a dispute with PP, and they said they would contact me. There is no way to contact PayPal, either by email, phone or chat. The chat request sends you into a loop that never allows the chat to occur. I have contacted XXXX XXXX XXXX, and they refuse to refund. I also filed complaint with XXXX XXXX, who pays PayPal for me, and they said I could only go through PayPal in that PP was not the one that defrauding me. 

Below I will paste a copy of the PayPal transaction : Paid with XXXX XXXX XXXX Credit Card XXXX You'll see " PAYPAL XXXX '' on your card statement. 
{$260.00} Ship to XXXX XXXX " Address '' XXXX XXXX XXXX XXXX, CA XXXX United States Transaction ID XXXX Seller info AXXXX XXXX XXXX XXXX XXXX http : //advanceelectromech.com/ XXXX Purchase details One time {$260.00} Total {$260.00} Phone Number scammers gave me : XXXX, My customer ID # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize these hard inquiries on my credit report. I dont believe these to be correct on my credit report. 
XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Student loan

My loans are on an XXXX plan and I have a reduced monthly payment, which is shown on my monthly statement, and I also set up auto pay of this amount ONLY. I have multiple screenshots showing that I am NOT adding an additional amount to my autopay approval. On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, Aidvantage has drafted an amount higher than my authorized autopay and has not agreed to refund or offset these overpayments. 

I spoke with XXXX on XX/XX/XXXX because the autopay approval notice I received indicated a different amount than what I authorized. XXXX sent an inquiry to the banking department and promised a follow up, which never occured. The unauthorized amount was drafted on XX/XX/XXXX. On XX/XX/XXXX I spoke with XXXX, who insisted the problem would be corrected by XX/XX/XXXX. At her instruction, I canceled and recreated my autopay through the payment portal. My XX/XX/XXXX payment was again drafted for the incorrect amount. On XX/XX/XXXX I spoke with XXXX who sent an " escalation '' and insisted I would receive supervisor callback in XXXX business days. No such call ever occured. On XX/XX/XXXX I called back and spoke with XXXX who was very insistent that I could NOT speak with a supervisor or XXXX. She indicated that the issue I'm having is known to Aidvantage. Despite speaking with her for close to an hour and her insistence that the issue was resolved after again cancelling and recreating the autopay, the unauthorized amount was drafted again on XX/XX/XXXX.
Product: Credit card or prepaid card

I have a loan with CHASE CARD. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and CHASE CARD with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2016.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Report Number : XXXX Date Generated : XX/XX/year> Subject : Request for Validation of Alleged Debt Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) Dear [ Debt Collectors Name or To Whom It May Concern ], I am writing regarding the alleged debt associated with the above-referenced account. As this matter impacts my creditworthiness and personal information, I am disputing the validity of this debt and formally requesting debt validation under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ). 

Specific Issues The information associated with my credit report includes multiple inaccuracies and unverified details. Below is a summary of my correct information and the discrepancies that require immediate attention : Correct Address : XXXX XXXX XXXX, XXXX, IL XXXX Other Address History : XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX Employment Information : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  Name Variations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please provide the following documentation to validate the alleged debt : A signed agreement or contract proving my obligation to this debt.

An itemized breakdown of the debt ( principal, interest, fees, etc. ). 
Proof that you are legally authorized to collect this debt on behalf of the original creditor. 
Impact on My Credit Report : If this debt can not be validated, you are instructed to : Cease all collection activity immediately. 
Request the removal of any associated negative information from Experian, XXXX, and XXXX. 
Correct or update any inaccurate address, name, or employer information listed on my credit report. 
Legal Considerations Failure to validate this debt within 30 days of receipt of this certified letter will result in legal action under : FDCPA 807 [ 15 U.S.C. 1692e ], for false or misleading representations. 
Fair Credit Reporting Act [ 15 U.S.C. 1681s-2 ( b ) ], for reporting unverifiable or inaccurate information.

I will pursue damages of up to {$5000.00} in small claims court for : Defamation resulting from inaccurate credit reporting.

Negligent enablement of identity fraud. 
Violations of consumer protection laws. 
Immediate Action Required You are required to : Provide a written response with the requested validation documents. 
Cease all credit reporting and collection activities pending resolution. 
This letter is an effort to resolve the matter amicably and correct inaccuracies. It does not constitute an acknowledgment of the debt or a waiver of any rights. Please direct your response and any questions to my address above. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I received a report showing fraudulent accounts I disputed deleted on report number XXXX. I followed correct protocol and submitted my ftc report along with my disputes & disclosures. On XX/XX/2023 report number XXXX it is showing that Experian has added the fraudulent account back on my report and failed to notify me according to law FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinstatement of previously deleted material. 

Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 
If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. 
( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 

I did not receive this required notification. In essence, this is a serious violation of the FCRA. I may choose to exercise my right to pursue further action.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX 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  XXXX Account Number : XXXX and list of Inquiries. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a debt consolidation loan through XXXX XXXX XXXX XXXX in XX/XX/2020. It was the credit unions responsibility with our loan to pay the amount of all of the debts as per stated on our contracts. XXXX XXXX  paid all of the loans or so we thought. A few months went past and I received an email in XXXX from XXXX stating I was 60 days past due and it dropped my credit score 63 points. I called XXXX and they confirmed the XXXX XXXX paid most but not all of the balance. They paid all but {$69.00} causing late fees and delinquency. I was unaware of any amount left due to the fact community choice was suppose to make the full payment. I IMMEDIANTLY paid the left over balance and tried to dispute the 2 late payments on my credit report and they refuse to remove the late payments even though I provided evidence that it was the credit unions responsibility to pay the full pay off amount. I called both Experian and XXXX and they both said they can not do anything. I do not think I should have to be penalized for believing all of my accounts where to XXXX  as they were suppose to be.
Product: Vehicle loan or lease

Subject : Formal Complaint Against Predatory Lending Practices Dear Sir/Madam, I am writing to file a formal complaint against predatory lending practices I experienced during the purchase of my car, financed through Flagship Credit Acceptance. The dealership, XXXX XXXX XXXX and XXXXXXXX XXXX XXXXXXXX, OH presented the loan payments as bi-weekly payments to showcase a lower payment compared to my current car payment. However, these bi-weekly payments effectively doubled my monthly payment. 

At the time of purchase, my current car was nearly paid off and in good condition. The dealership doubled my interest rate and added every possible extended warranty and maintenance program to the loan. They assured me that I would be able to refinance the loan within six months, a promise that has proven to be false. 

Currently, my loan carries an interest rate of 20 %, resulting in a high monthly payment of {$1200.00}, in addition to {$150.00} for car insurance. A significant portion of these payments is applied towards interest, making it difficult to make any substantial progress on the principal balance. As a result, the car 's current value is approximately {$26000.00}, while the loan payoff amount stands at {$46000.00}. 

This significant disparity between the car 's value and the loan payoff amount has left me unable to refinance the loan, as no other lender is willing to assume the current payoff amount from Flagship. Given these circumstances, I am finding it increasingly challenging to keep the account current and maintain my financial obligations. 

I am requesting a reduction in the interest rate to a more reasonable level, which would allow me to make consistent and affordable monthly payments towards the principal, ultimately enabling me to pay off the loan. Or that the dealership, buy back the car. Additionally, I would like to discuss the possibility of establishing a more manageable payment arrangement that reflects the current market value of the car and my ability to pay. 

I believe that the practices employed by the dealership and Flagship are unfair and deceptive, and I am seeking your assistance in resolving this matter. Thank you for your attention to this serious issue.
Product: Checking or savings account

Ive been locked out of two accounts since XX/XX/XXXX at Ally Bank. I received an email Friday, XX/XX/2023 : We regret to inform you that we were just made aware of an incident that resulted in unauthorized access to your personal information. 

Out of an abundance of caution, we have proactively placed a restriction on your account. Please call us at your earliest convenience at XXXX and press XXXX so that our team can help. 

Please do not reply to this email. 


I called twice on Friday, twice yesterday ( XXXX ), and once this morning. No one can ever tell me what is going on. No one can ever help in any way. I always have to talk to someone else, and some other dept. fraud dept ; loss prevention dept, APO dept, account take over dept. 

Ive talked to 6 different people. But no one helps in any way or explains anything. 
Ive waited on hold twice for 30 minutes, and once for 15 minutes. 

They refuse go put anyone on the phone who can discuss the matter.
Product: Debt collection

I do not know who this creditor is or why I would be in collections for it. I am afraid it might be identity fraud because My identity has been stolen in the past on multiple accounts.
Product: Credit card or prepaid card

XX/XX/2022, At the airport in XXXX, XXXX, I was charged two transactions without knowing it.One amount was {$5600.00} the other amount was {$3000.00}. I did not make any purchases and I did not know the person who charged this money. I checked my bank account that night and found these two transactions. The total amounts exceeded the credit limit and I did not receive any alert when it happened .I called the bank to report it immediately and asked for a rejection, the representative asked me to wait until the transactions was post then called to dispute, and said that I didn't need to worry about it and assured that the bank will investigate it. 
I called multiple times and the fraud department denied my appeal
Product: Credit card or prepaid card

I'm being discriminated against. 

Capital One is refusing to help me on credit card ending in XXXX, but they have often helped and are currently offering my husband assistance on his card. Our scenario is identical. Same past due, same Covid 19, nearly the same balance, but they refused to help me. 

This complaint is that they have been treating me unfairly for several months. 

When my husband called for his account, his rates, bill balance, etc are all identical to mine. He gets a lot of different options, and better treatment than myself. 

Today I was refused help on my card. 

I wonder if it is because I am female? I wonder if it is because I have had to call the executive office and this is retaliation? Something is off, because I am unfairly denied any assistance. They have been very difficult in working with me, and he has noticed it too. 
We don't know what it is, but for some reason they are singling me out and targeting me to bully, harass, call even when I have made a payment, and now they are refusing to offer me Covid-19 Relief.
Product: Student loan

Working with Navient is a real problem and back in XX/XX/XXXX there were communication issues of how much were the payments and how to afford them. Many discussions were had and yet they still reported me late multiple times which is now affecting me from getting a house at the age of XXXX. I always make my payments on time when I know the amounts and since XX/XX/XXXX I have never missed. The part that confuses me is when my account info says the original principal balance is {$4700.00} yet the unpaid principal is {$6400.00}. My loan is suppose to be at 11.75 % interest yet the amount of interest applied after each payment keeps going up. I am paying XXXX monthly and my account says I should be paying {$78.00} until XX/XX/XXXX. If i keep paying this amount till XX/XX/XXXX i will have paid like XXXX. I have paid so much in interest it should already be paid. Navient csr said i agreed to a 20 year payoff but why would i do that when the original amount was near XXXX. I am a XXXX XXXX XXXX and my district said that Navient will take advantage of you so try to refinance it to get away from them. I think I am believing them. Those late payments should be wiped out after being current for so long. Please make them go away!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXXXXXX XXXX XXXX a delinquent/late payment was reported to the credit bureaus. I had made a payment plan with XXXX XXXX prior to that and had followed it accordingly. When they reported my payment late, I called and spoke to the general manager XXXX XXXX ( he was also the one who helped me set up the payment plan ). He admitted it was a mistake on their end and it should have never been reported. I asked him to resolve it and he was very flighty, it took me 4 times of asking him until he said he would need to submit something to the credit department but it would take a long time. I said that was fine. Since he kept complaining about it I asked for the credit departments contact information and he said they dont give it out to customers and only he can do it. After 2 months I reached out to XXXX because it was still on my credit report and he said oh I assumed they fixed it because I didnt hear anything and said nothing else can be done. So I filed a claim with each bureau explaining this and all were denied except one. I resubmitted and they were still denied. XXXX said they couldnt do anything about it even though I reminded them they admitted it was their mistake. I asked for a Corporate phone number and they said they didnt have one. I then began working with a credit repair agency and they said this sounded shady, and have been working on removing this from my credit report at the other 2 bureaus but they have been unsuccessful. So it is still on my credit report even though XXXX admitted it was their mistake. 
Aside from this major issue, XXXX has been EXTREMELY rude and insulting in every interaction I have ever had with him. They have also called over XXXX times in XXXX day for days on end. I have just paid off this entire loan so my account is closed with them but I am still not okay with their shady business practices.
Product: Student loan

I took out {$16000.00} in student loans in between XX/XX/XXXX-XX/XX/XXXX. Due to many circumstances, including misunderstanding of fees and penalities, these loans went into default. I consolidated the loans once that I am aware of, but according to NSLDS I consolidated XXXX separate times. I also completed a rehabilitation in XX/XX/XXXX. I have been consistently making payments well above the minimum requirement since XX/XX/XXXX. 
However, in spite of all the payments I have made over the past 20 years, my balance is now almost {$60000.00}. I contacted FedLoan in attempt to verify the payments I had made, and what the several thousand dollars of fines were from. They provided me no information prior to XX/XX/XXXX. I contacted the Ombudsman, whom I thought was supposed to be a neutral advocate, and I feel she did not represent my needs or my interest at all. It took her 5 months to provide me with the same records I already had. She specifically told me there is no information regarding my rehabilitation, no promissory notes, no explanation of fees or charges. She provided me zero additional information, and yet she said I have no options in verifying this debt that has consumed my life. 
These loans were taken out before the bankruptcy laws were changed, yet they were affected by the law changes. These loans were taken out before the lending process in general developed guidelines to prevent abuse, yet THOSE laws did not affect my debt. 
I have literally paid the equivalent of what was borrowed, yet the Department of Education tells me balance is 3 times what I borrowed. They refuse to provide any records to validate my debt, and it is obscene that my student debt is not held to the same standards as credit card debt, medical debt, civil debt, real estate debt, or any other debt that I have ever heard of. This is predatory lending, and unvalidated debt, and I should have the right to verify this debt.
Product: Vehicle loan or lease

My car was paid off back in 2014 and I still havent recieved the title. I been told by finance xompany that they did it electronically but dmv keeps saying there is still line on it. I have to dmv 6 times already with no luck and finance company wont do anything about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called transunion multiple times and they stated all times that they will send my credit report but never have I been waiting for a month and 2 weeks for me to receive via mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SEVERAL ISSUES WITH MY CREDIT REPORT SEE LIST ON ATTACHEDXX/XX/XXXX ' MY NAME AND ADDRESS HAS ERRORS AND WRONG PREVIOUS ADDRESSES NOT FACTUAL