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

Hi my name is XXXX XXXX, I mad an original complaint XX/XX/XXXX as you can see here -- -- -- XXXX " I am the owner of my PNC acct, with routing number:XXXX ; an account numberXXXX. My account was compromised, as well as my debit card. I last seen it XX/XX/XXXX with my last transaction being my XXXX XXXX  transaction for {$22.00}. After that I fell XXXX an I sent a few XXXX XXXX but that was it, an it didnt require my acct or card so i still didnt notice anything. I still didnt notice anything until early this morning the XXXX I tried to send another XXXX  an it declined, once that happened I check my acct an saw all the charges. There were charges from XXXX for over {$2000.00} as well as over 3 charges in HAWAII!! including a hotel charge, XXXX XXXX... I called PNC who Ive been a member with over 3yrs an was told I will receive {$250.00} in provisional credit an that was it, until a 45 day investigation took place. I think this is so unfair, i'm late on rent, my car note, an even child support. '' However after this I was contact by PNC so I called back an found out they only put down 2 or 3 of what was suppose to be 8-9 disputes due to a language barrier ON THEIR END ... .... The new agent I spoke with was able to tell me that the other agent wrote two of the same disputes an I would get my credits within 10 days from the dispute,,,,, she also stated the original agent didn't count any of the other disputes as they weren't posted yet. However they were posted an I was trying to tell them that, the transactions I mentioned have been " posted '' since the XXXX of XXXX which was BEFORE I called, but due to their employees language barrier they didn't put any of the big purchases on my dispute. 

Once we established that, the NEW AGENT I spoke to today informed me that she added a new dispute with all the charges in HAWAII ( which i've never been ) included for a total of {$2900.00} TODAY ( XX/XX/XXXX ). She also informed me that 2 of the 4 disputes originally put on file should give provisional credits by XX/XX/XXXX which I still haven't received. 

Ive been missing money ( over {$6000.00} ) SINCE XX/XX/XXXX ... ... an I have to wait til the XXXX an only got approved for {$44.00} worth of credits, no where near the real amount I was ORIGINALLY TRYING TO CLAIM. 

I think its unfair I have to now wait for the 2nd dispute amount of {$2900.00} til XX/XX/XXXX to get provisional credits when it all should have been on the same claim getting my credits in total on XX/XX/XXXX. I have never been to hawaii an I didnt do any of those charges on file. I need my money asap, please help.
Product: Vehicle loan or lease

Repossesion occured and payments due to company were made fromXX/XX/XXXX7.  The car was not three months past due. They added more fees. I made multiple payments to those fees and the monthly note from my banking accout. I am still told That I owe repossesion fees late charges etc. I have my payment history which reflects I was current and have not sucrssfully resolved rhe matter. I have spiken to five supervisors. I reduse to pay anymore. My loan should be paid off on XX/XX/XXXX. Thw company has me owing a balance of over {$10000.00} still. They have not creditedbpayments correctly to my loans. They also add late charges when my due date is on the XX/XX/XXXX of each month. The company is Santander. I purchased the vehicle in XX/XX/XXXX. The interst rate was over charged to me with my credit score.
Product: Vehicle loan or lease

On XX/XX/2020 XXXX XXXX XXXX declared a stay at home order for XXXX which is where I live. It was extended and lasted until XX/XX/2020. During that time no one was to leave house for any reason except groceries. The federal government did not get stimulus payments out to people who qualified until XXXX XXXX XXXX. Slightly before this period and during I became behind on my car loan with Chrysler Capital. I had XXXX conversations with them and they told me they would not let me wait until stimulus checks get to us to pay any past due. Under the XXXX XXXX XXXX XXXX, they were supposed to offer me a payment plan or other options so I don't lose the vehicle. They refused to offer any help what so ever. They repossessed the vehicle in XXXX XXXX XXXX and we got our stimulus check in mid XXXX. When I called Chrysler Capital at this time they told me I had to pay the total balance of over {$35000.00} to get the vehicle back. I did not have that much so I lost the vehicle. This was in direct violation of what the XXXX XXXX was supposed to prevent. I could not work and pay bills, but also Chrysler would not follow the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially asked experian to validate bankruptcies listed on my credit report on XX/XX/18 via fax. They failed to respond with 30 days and i was notified XX/XX/18. I than asked the to show me their detailed method of verication per the FCRA ON XX/XX/18 via fax. Again they have failed to respond within the 15 days per the FCRA! 

Chapter XXXX XX/XX/XXXXwrong date Chapter XXXX. XXXXwrong date Cahapter XXXX. XX/XX/XXXX Wrong date
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my another endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I submitted my PSLF for my yearly submission early XX/XX/XXXX through Fedloans, I received an update on my qualifying payments on XX/XX/XXXX. I did not hear back from fedloans about qualifying payments updates until XX/XX/XXXX. But this was not a completed process and no other information was provided by fedloans about my PSLF. I was then notified on XX/XX/XXXX about transferring to new service provider ( MOHELA ) and then a partial update on PSLF status was received on XX/XX/XXXX but still not a complete process. Between XX/XX/XXXX and XX/XX/XXXX the transfer process had started from fedloans to MOHELA. I was able to access the portal for MOHELA and it showed that my PSLF was processed on XX/XX/XXXX but all payments were not updated for PSLF. I then waited as it stated my app was pending at that time and then updated to processed but try count did not reflect accurate numbers. I emailed, on XX/XX/XXXX, MOHELA for the status of this and they stated ( on XX/XX/XXXX, in a long email ) Thank you for contacting MOHELA, We apologize for any confusion. MOHELA is currently in the process of updating payment counts under the limited PSLF waiver. Therefore, your payment counts may not reflect the actual count until all of the updates are complete. Which has been confusing and frustrating since there has not been any other updates or progress with my account. I would like for this to be resolved as soon as possible.
Product: Student loan

I have been contacting Fed Loan Servicing for over a year now and have spoken to numerous customer service representatives and supervisors. I have received different information from many representatives for what was needed to be done to receive credit for my PSLF payments. 

This year, I have uploaded a PSLF application on XX/XX/XXXX for the United States XXXX XXXX. I served in the XXXX from XX/XX/XXXX - XX/XX/XXXX and have been told to upload additional documents to receive credit for the payments I made while serving. I have been told to upload a copy of my DD214 ( Honorable discharge paperwork ), my W2 transcripts for each year served, an entire history of payments for each and every month while serving with each amount paid, and other documents to receive credit. I have uploaded all documents and keep being told that I still do not have enough information to receive credit. Once again, I have received different misleading information from many representatives along with supervisors that I have requested to speak with. 

I have been paying student loans under the PSLF program from XXXX. I am supposed to only have a few payments left before I am forgiven for the rest. I have been calling Fed Loan Servicing for over a year now and still no resolution and believe that it will surpass my end date for my loans before this issue is resolved.
Product: Student loan

I first applied for PSLF in XX/XX/XXXX. I have always been on a qualifying payment plan - since XX/XX/XXXX when I first consolidated with my spouse- I have had one loan ( even though this was a consolidated direct loan ) - forgiven, but for some reason, they have left me in administrative forbearance with this " second loan '' for 3 years. 

My qualifying payment counts keep going up, I reapply every time they do, but I now have AT LEAST 163 qualifying payments and am still not being forgiven. I have been told by student aid. gov that Fedloan needed to remove the forbearance for me to be forgiven, Fedloan said that's not true, so they did not. I have been told that the second loan is my spouse 's part, but he died in XXXX, before I ever applied, and, edfinancial, our previous servicer, said they had forgiven his portion. 

In the meantime, the waiver comes along, and people who were never even eligible are being forgiven and getting thousands of dollars back, and here I sit, watching my qualifying payment count go up, reapplying over and over and over, and am still not forgiven. 

Also : Fedloan is supposed to be transferring these to XXXX, I have not heard one word that I will be transferred or forgiven.
Product: Consumer Loan

I have a car lease loan with US Bank and I was told by the XXXX dealer that I got the car from that I would get a " pull-ahead '' discount on my vehicle and also up to {$2000.00} in credits towards a new vehicle, which my current vehicle is due to be handed in in XXXX. I have not gotten a " pull-ahead '' or any discounts or credits from US Bank. Normally, these " pull-aheads '' and discounts take place 3-4 months prior to the expiration date of lease loan. Apparently, the " pull-aheads '' are NOT from XXXX but rather from the loan company. Some people get it and some do not. Since this is a federally regulated bank, this would be considered discrimination. Please investigate. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called the collection company ( XXXX XXXX XXXX ) many times over the last 30 - 45 days. I requested a copy or proof of the debts they had in collection and was assured they would order the records. I never received them. I have called back to speak to a manager several times, left a few messages to no avail. I did call on XX/XX/2018 a total of 4 times to speak with someone regarding this. I spoke with XXXX who said all she could say is they mailed them. I never received them. I am frustrated that it is taking 45 days or more for any action to verify the debts and I want them removed from my credit report.
Product: Prepaid card

I have had the American Express Serve account for many many years ... Never had any issues. Last night XX/XX/24 a transaction posted for {$34.00} that I didn't authorize and I called customer service and they said it would have to post completed before I could file a dispute. Today, XX/XX/24, I froze the card so nothing else could post ... After a few hours, I unfroze it and was trying to transfer {$6.00} out of my XXXX  into my Serve account, like I've done several times before. Shortly after this, I received an email saying my online access was suspended and I needed to contact them. 2 hours after that I received another email saying I " violated their terms '' and my account would now be permanently suspended. When I tried to contact customer service, I spoke with at least 5 different people trying to gain information ... And was refused any type of information. They weren't helpful, nor would they allow me to speak to a supervisor. I was told I had to physically write a letter to this XXXX XXXX in order to request information and request my money that is sitting in that account. I have NEVER done any type of fraudulent activity. I'm extremely upset. I had to live off of that money in my account until I get to payday... So now I'm going to go without food because of this action by this company. They need to be held responsible!!
Product: Credit card or prepaid card

I had requested a balance transfer on my Barclays Credit card to consolidate balances into one payment around the date of XX/XX/21. After requesting the balance transfer, Barclays had charged my credit card twice for the balance transfer, however I had received the monies once for the amount requested. Upon noticing this on my online account, I promptly called Barclays on XX/XX/21 to bring the matter to their attention. I was told by the customer service rep that it was a known issue with Barclays and it had affected other customers as well and that there was not a known time frame for resolution. I had again reached out to Barclays when over a week went by and I did not see/did not hear of resolution. I was told twice via secure message that a manager would reach out to me within 24 hours. Finally on Saturday XX/XX/21 I was called and spoke to a manager who told me that again it was a known issue and there was no timeframe for resolve. He was working from home and there was nothing that he could do. Today Tuesday XX/XX/21, now 3 weeks after my initial contact I called the company again was told that there was nothing that she could do. The IT department was working on the issue, and there was no timeframe of resolution. I had expressed my concerns regarding how long this process is taking since the amount charged my credit card is over {$46000.00} dollars instead of the {$23.00}, 175 ( amount requested plus transfer fees ), it has put me over my credit card limit and has dropped my credit rating from a XXXX to XXXX. This is completely unacceptable and needs to be addressed quickly. Not only on my account but also on other consumers accounts as well as I am sure they are experiencing the same frustrations that I am.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the late payment listed on my credit report. Upon careful review of the information, I believe there are inaccuracies that need to be addressed. Upon reviewing my credit report, I noticed discrepancies related to the reported late payments. I have always been committed to meeting my financial obligations promptly, and I believe there might be an error or misunderstanding in the reporting. I contacted the company via phone call and they agreed to update the account to reflect open/not late status. Additionally, XXXX and XXXX credit bureaus have already updated their records for this account. I kindly request a thorough investigation into this matter and the prompt removal of any inaccuracies from my credit report. 

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

I was erroneously charged multiple fees to my   XXXX   XXXX   store card account beginning in XX/XX/XXXX 7 ; no other balance was held on my card and my account is now being reported as delinquent based on the multiple fees posted to my account. I paid off my   XXXX   XXXX    account in  XX/XX/XXXX , or at least I was under the impression that I had paid off my account ; however, due to   XXXX   XXXX   billing cycle, I had a remaining balance of {$3.00} that was paid on XX/XX/XXXX . The first fee I incurred was on  XX/XX/XXXX  for {$27.00} ; that fee was a returned check fee. The balance that I paid of {$3.00} was never billed to my account again because it was paid. I also never received a bill for the returned check fee. On  XX/XX/XXXX , I was charged another fee in the amount of {$27.00} as a late charge for the previous returned check fee. I also incurred a {$2.00} finance charge for the fee. Once again, I did not receive a bill for the fees and interest charged as a result of those fees. On  XX/XX/XXXX  I was charged another late payment fee in the amount of {$37.00}, and on  XX/XX/XXXX , a second interest charge of {$2.00} for the fees. At that point, my account had a balance of {$95.00} that was entirely associated with fees.
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I was finally notified the week of  XX/XX/XXXX via autodialed calls multiple times per day that my account was in a delinquent status. At that time I attempted to speak with a representative, but no option was provided other than to pay through the automated dialer service. On  XX/XX/XXXX I called   XXXX   XXXX   store card customer service and was connected with a representative outside of the U.S. I asked to be transferred to a representative in the U.S. that would better understand what I was stating about my account, but was told that option is not available. Additionally, the representative I spoke with assured me that no negative information had been, or would be reported to the   XXXX   credit bureaus. That was a lie ; I checked my reports and my score has dropped dramatically due to   XXXX   XXXX   reporting my account as 30 days delinquent for the erroneous fees that I was being charged. The representative that I spoke with on Friday removed all fees from my account and stated that my balance would now be correct and reflect a {$0.00} balance. He also repeatedly stated that I should not worry as my account had not, and would not, be reported as late to the credit reporting bureaus. That was a completely false statement.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cas app ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redres : for these violations.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year>, scammers got into my bank accounts at Wells Fargo and took all the money out except for {$1000.00} was left in my checking account. I had a checking account, savings account and line of credit. This was done via phone and internet. That same evening, I informed Wells Fargo of the scam and made a fraud investigation report online. 

This complaint is re my line of credit account only.

WF issued a report after the scam declaring their findings, which is that I authorized the withdrawals and am responsible for repaying the line of credit. I disagree. 

I am asking Wells Fargo to change their position and not demand that I repay stolen monies from my line of credit. I would like them to shut down the line of credit and not demand repayment from me as this is unjust and unfair. I can not fathom how I have a legal duty to do so. 

To make it very clear, I am asking them to respond to that request, to shut down the line of credit and not demand that I repay it. I would also like them to tell me the legal basis they have for them demanding that I repay, if they have one. The legal basis does not include their stated bank policy finding in their fraud investigation report that I am held responsible. If that's all they have to say in response, then I am forced to come to the conclusion that they have no legal basis.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have current Home Loan With XXXX XXXX This Mortgage Company Previously working under " XXXX XXXX  XXXX '' Old A/C # XXXX and new is same, also Mortgage company address is same. Just They Change NAME I request XXXX XXXX  company to remove old Account Name from My Credit Report. 
they sent request all Major Credit Bauru 's. XXXX  and XXXX Delete That Account from my credit file. But This Credit Agency since last three months did not reply or delete this account. i sent them more then 5 request by mail and one Certified mail conformation # XXXX dated XX/XX/2021 which they received on XX/XX/2021 its more then 30 days no reply no comply its a Violation of FCRA laws
Product: Debt collection

I need some help please, we settled out an account with an attorney XXXX XXXX collecting on a Capital One account, all payments cleared the last payment was returned with a notice mail last payment directly to Capital One which was done so. Now Capital One has sent it to another law office XXXX XXXX to collect the difference which was NOT what was agreed upon. We have been fighting this for several months now. Please help
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX & Experian , credit reporting agency 's, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), an opened personal credit card opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), and a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX under the account number ( XXXX ) .These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX XXXX XXXX  ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.