23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

My automobile loan payments to VW Credit were set up to be drawn automatically from my bank account. The final payment was due on Monday, XX/XX/2022, so I logged in to my loan account that day to confirm that it had been paid. It had not been withdrawn yet, so I waited until the next day and tried again. On the day after the payment was due, my account login information didn't work. I called VW Credit and was informed that when the account was paid in full, they disabled my account access. This is idiotic and infuriating, but didn't seem worth filing a complaint. 

Then they sent me an email to inform me that they had sent me a secure email that I could read only by logging into my account. I thought this meant they had realized their error and reinstated my account, but my account login still didn't work. I called the company and they admitted that my account is closed and that there is no way for me to access my payment information or the secure message they sent me. 

After paying VW Credit promptly for 5 years, they have locked me out of any access to my payment history. If they failed to report my payments accurately to the credit bureaus, I will have no way to obtain the records I need to correct my credit report or gather payment information for my personal financial records. Not only is this policy absurd and annoying, it leaves customers without access to their personal financial records. 

In my calls to VW Credit, I already informed them that I will never purchase another VW if this is an indication of how little they value their customers, but this is an abusive credit practice that really ought to be changed. Perhaps the CFPB can explain that to them in monosyllabic terms that even VW Credit can understand.
Product: Checking or savings account

5/3 bank has apparently implanted a rule that limits transfer to external linked accounts to half of my account balance. How can I be prevented from transfer my own money to an external account? They will not even let me do it to close my account. Shady business practice to keep accounts open and should be unlawful. This is not the same as external transfer limits. This is actually barring me from transfer what Im entitled to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD IN MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT ARE LISTED.
Product: Money transfer, virtual currency, or money service

I am the victim of fraud. While I was researching XXXX XXXX, I saw a XXXX LIVE video today at XXXX XXXX XXXX XXXX By who I thought was the XXXX XXXX, and it had a free coin giveaway, where if you send coins, you get double back. I sent XXXX XXXX coins, that is {$6400.00} USD worth today, from my https : //pro.coinbase.com account, to the wallet address listed below. 

The website that I went to ( that was being advertised on XXXX, below the LIVE video, was XXXX : XXXX The scam artist 's wallet address is : Destination Address : XXXX Transaction Hash : XXXX
Product: Debt collection

On XX/XX/2020 Thumb cellular sent me a letter saying I owed XXXX dollars. I started sending them payments. They said they wanted the full amount paid by XX/XX/2020. I responded to them, asking for a copy of my contract. I got the contract and then responded back to them saying there was no stipulation in the contract saying I had to pay in full by any date. Them I got a letter from CBM Services Inc on XX/XX/2020, Which is a collection firm. I sent them the same letter. Telling them to get a copy of the contract and read it over. Telling them also there was nothing stating I had to pay this in full all at once. I would continue making payments. I never got anything back from CBM. Now I see they put this collections on my credit report.
Product: Debt collection

This firm is persistent with a letter in collection of a debt. My request for the following information to support the alleged debt : name and address of the original creditor, a copy of the original signed contract, and a complete accounting / statement of payments with interest and fees associated with this debt has not been complied to.
Product: Credit card

In XX/XX/2023, I encountered a severe issue with a counterfeit item purchased for {$2000.00} through XXXX, paid via XXXX. Despite providing clear evidence, including a detailed third-party authenticity report from XXXX XXXX, confirming the item 's counterfeit nature, my dispute has been met with systemic neglect by the company. 

The journey began with extensive efforts to prove the item 's counterfeit status, culminating in physically mailing over 40 pages of evidence to the company. It took nearly six months of persistent follow-ups before the company even acknowledged receipt of this evidence. This delay was the start of a pattern of stonewalling ; despite assurances over the phone that my case would be escalated for a favorable resolution, the actual response was a cycle of reopening and closing the dispute every 30-60 days, resembling an automated denial that failed to engage with the substance of my complaint. 

The core issue has been exacerbated by the company 's demand for the return of the counterfeit item without providing a lawful return address or facilitating any form of mediation with the seller. This situation is further complicated by the open and ongoing dispute, which necessitates Goldman Sachs ' direct involvement for mediation to ensure the seller is informed and agrees to the return process. This requirement stems from the dispute itself, into which I was led by the company 's assurances, placing me in an impossible position given the legal implications of mailing counterfeit goods and the logistical challenges of securing a return address without Goldman Sachs ' active mediation. 

This protracted dispute has not only resulted in financial loss but also significant emotional distress, highlighting the company 's failure to adequately address the dispute and their disregard for the legal and consumer rights implications of their actions.
Product: Mortgage

Shellpoint/New Rez sent a check in the amount of {$770.00} dated XX/XX/, stating there was an overpayment and that the payment moving forward would be {$1000.00} starting in XX/XX/XXXX  and then the statement for XX/XX/XXXX   indicates a payment required of {$1100.00}. The XXXX statement indicates the past month payment was not late however if you read in another area of the statement, it indicates a past due amount of {$1500.00}. 

Additionally, in the area for escrow, there is an amount of {$34.00} and it has for taxes and insurance, that should not be as all taxes and insurance are paid by the homeowner. The homeowner has paid their insurance and taxes independent of the Shellpoint/New Rez. 

There again seems to be some form of fraudulent behavior and extortion to obtain funds that Shellpoint/New Rez is not due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted 3 request to experian for a METHOD OF VERIRIFICATION and have received nothing but a letter stating that company reporting information is reporting it correctly. I have not received any information that I request in regards to who is reporting this information. Name and number of contact for the person. I have also request that if it is a 3rd party company that the information be removed from my credit because it is against FCRA to receive and report info from a 3rd party company as they are not able to fully verify my information is correct with that company. As a 3rd party company is not able to provide my full ssn or information as it is a violation of privacy act. ... ... ... ... ... 

I am outraged your company continues to maintain a dismissed or filed bankruptcy as confirmed on my credit report. This unconfirmed unverified dismissed bankruptcy as stop me from obtaining credit. I know for a fact your company receives third party information from a system know as pacer. The PACER system is inaccurate and incomplete since the PACER system does not provide complete social security numbers as that would be against the fair credit report act of privacy laws. The fair credit reporting act mentions nothing in section 1681 ( c ) relating to bankruptcy about dismissal or filing. This law clearly states from date of injunction or date of order of relief. It is only fair that according to section 1618 a f of the FCRA that you delete this from my credit report and send me an updated copy.

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - [ 1681 ( c ) ( a ) -1 -- -Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - EXPERIAN REFUSES TO ADHERE TO MY REQUEST FOR METHOD OF VERIFICATION AND CONTINUES TO REPORT AN UNCONFIRMED AND UNVERIFIED INFORMATION. I KNOW FOR A FACT THAT THIS INFORMATION WAS VERIFIED THROUGH BANKRUPTCY COURTS AS THEY DO NOT SUPPLY INFORMATION TO CREDIT REPORTING AGENCIES AS PROVEN BY THE LETTER ATTACHED TO MY COMPLAINT. IF A THIRD PARTY IS PROVIDING EXPERIAN WITH MY FULL SOCIAL AND ALL OF MY PERSONAL INFORMATION I NEED THE NAME AND CONTACT INFORMATION SO THAT I MAY FILE A DISPUTE WITH THEM FOR VIOLATING THE FCRA PRIVACY ACT.
Product: Debt collection

In the last 24 hours I have received seven ( 7 ) calls from synchrony bank ( XXXX ). On XX/XX/XXXX at XXXX, XXXX, XXXX, XXXX, and XXXX. 
On XX/XX/XXXX at XXXX and XXXX. It has been very disruptive to my day. They have not left a single message even though a voice mailbox is set up. I told them on the XXXX call on XX/XX/XXXX to stop calling as I feel like thats borderline harassment and not within the appropriate confines of collecting or informing of a debt.
Product: Checking or savings account

On XX/XX/XXXX at XXXX XXXX, I contacted PNC Bank via phone at XXXX and spoke with the XXXX in the call center regarding a missing payment credit transaction for XXXX regarding a sale. I explained to XXXX that there was a missing payment that was never applied to my business account from XXXX in XX/XX/XXXX in the amount of {$5.00} as per conversion rate. He performed research in my account and did not find the transaction mentioned, made notes in the account, and processed my request as an escalated complaint. As such, he recommended that I follow-up the following week regarding the complaint. 

On XX/XX/XXXX at XXXX XXXX, I called PNC Bank to follow-up and spoke with a representative regarding the status of account. At the time, the rep did not see any new information for my account and that I would hear something within the next week. 
XX/XX/XXXX called PNC back as a follow-up to complaint and there was no update on status. 

Sometime after XX/XX/XXXX through XX/XX/XXXX, my complaint was referred to XXXX within the PNC escalations department. Her contact number was XXXX. In between such time, XXXX asked if I had a trace number from XXXX so that she could research the payment transaction. I explained that I had other forms of information available but not a trace number. She stated that I needed a trace number for her to begin research and that she may not find anything because the transaction occurred in XXXX. 

XX/XX/XXXX, I called XXXX at XXXX and spoke with XXXX for 3 minutes as a follow-up. 

On XX/XX/XXXX, I called and spoke with XXXX at XXXX. We spoke for 13 minutes regarding my complaint. I provided XXXX with the XXXX payment month of XXXX, XXXX XXXX XXXX rate of {$5.00} in USD as well as to get the Trace Number XXXX from XXXX Accounts Payable Team for date XXXX She stated that there would be a possibility that they would not be able to trace the payment even with the Trace Number that I provided because the action occurred in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion web site is not updating my credit reports.what there is,is that the web site is not functiong.
Product: Credit card

I was charged a late fee on an account by Citibank because their homepage made it seem as though a pending charge was included in the current billing period charges. This was extremely misleading and I was unaware that I had not paid the bill in full when I was notified a month later that there was a late payment on my account. I was understandably upset at this. When trying to resolve this, I kept getting the " our policy '' and we can not reverse a legitimate fee. After asking for a one time customer courtesy to reverse the late fee, they declined. So I have since cancelled the card. Similarly, their homepage does not reflect pending payments and pending payments do not show up in their transactions page. Nor is it apparent anywhere except through clicking payments, view scheduled payments and history. When logging into their homepage, I could be deceived into making an additional payment since the one I made is not clearly nor readily identifiable. Now this was an electronic payment through my bank that is still not being posted? It feels like they are holding payment until end of day to possibly extract additional fees, charges, etc. I thought they had to post payment when the received to prevent these types of shennigans. I thought this type of behavior was forbidden?
Product: Credit card

I am writing this statement in order to complain about the Verve Credit Card dishonesty and extorsion. When i opened the card approximately 2 years ago, i had no problem for the first six months with the card company. I paid them on time. After about six months later I would receive large bills for fees and who knows what else. However, I continued to deal with them but on a limited basis, i.e. I barely used the card. Then in XXXX, I received a bill for over {$300.00}, an outrageous amt of money. Nevertheless, i paid it off. 
In XXXX I receive a bill for {$31.00}, for nothing, In XXXX i received a bill for {$73.00} fees {$41.00}, I bought nothing with the card. XXXX {$10.00}, I also paid that, XXXX {$52.00} for nothing. I paid that also. XXXX {$10.00}, i paid that also. 
Here comes the XXXX bill of {$100.00}, for absolutely nothing. IDONT USE THEIR CREDIT CARD. 
Sometimes, I have paid by via registered mail, they received the registered mail by deny they received it Many times I called, and they gave a foolish response about some other office, I am requesting that I officially end the card service with them with no affect to my credit score, I refuse to pay the {$100.00} as they claim I owe, I do not want any credit card from them now or future.
Product: Mortgage

Received by regular USPS mail today, XX/XX/2023, a letter from my loan servicing company, Specialized Loan Servicing, a part of XXXX XXXX, located in XXXX, Colorado a notification of escrow shortage on my escrow account. 

Notice includes increasing my monthly mortgage payment {$150.00} per month from {$1500.00} to {$1700.00}, effective XX/XX/2023. Total shortage amount is {$1800.00}. 

I am a senior citizen who purchased this home less than a year ago. I am struggling in the present financial climate to make my current mortgage payments, although I have not missed a payment OR been late. My salary at work has been recently cut by over {$10000.00} per year. My fear is inability to keep mortgage payments current, and possible. foreclosure. 

I feel this is an unreasonable and unfair expectation with ridiculous short notice.
Product: Money transfer, virtual currency, or money service

I am not able to link my bank account to Robinhood to be allowed to add funds to my Robinhood account.
Product: Mortgage

Hello. My mortgage is with Mr. Cooper. Loan # XXXX. I was on the COVID-related mortgage relief plan from XX/XX/XXXX through XX/XX/XXXX. I was able to make my XXXX mortgage payment, but the payment is too high for me to sustain. After speaking with Mr. Cooper on XX/XX/XXXX, I applied for a Mortgage Modification. 

I've provided all the information they've requested. Some of it has been provided multiple times. I've spoken with 4 people with Mr. Cooper and they ( after checking with their managers ) said what I've submitted is sufficient. When I submit documents, it says, " Under Review. '' A few hours later, it says Underwriting Paused and they ask for the same documents I already provided. 

They keep asking for my commission statements and 2 months of bank statements. I've submitted them, yet they are again saying I haven't provided the information. They keep claiming I'm a business owner, but I've told them verbally and in writing that I am not. I'm an Insurance Producer and am 100 % paid by commission. 

I've spoken with Mr. Cooper 1-3 times a day for the last week and am getting no where. The people on the phone say everything is fine, but their site continues to show requests for documents I've already provided. I'm uploading a list of the documents I've provided, from the Mr. Cooper site. I can provide the actual documents, if you require it.
Product: Mortgage

This is in reference to complaint number XXXX company never responded by XXXX/XXXX/16. Long story short I was denied for a loan modification and I accepted this fact. I was informed by PNC that I could submit for a short sale. I am currently in active review for a short sale however, the short sale specialist is stating that the sale date will not be postponed even though I am in active review for short sale. I do not understand how this company is giving me any options to foreclosure, I asked the specialist just yesterday what my options to foreclosure are and she said " nothing ''. Please do not allow this company to continue to treat american citizens like they are trash and have no value. I am trying to do the right thing, submit for mod, then that was denied, so now I am trying to do a short sale so I do not have a foreclosure on my record. They are not willing to help. In addition, they NEVER responded to the previous CFPB complaint, this shows you how ethical they are.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Credit reporting or other personal consumer reports

Never received letter to opt of credit reporting. 15UAC 6805. XXXX, XXXX, XXXX are non-affiliates of my credit cards
Product: Credit reporting or other personal consumer reports

I was shocked to discover an unauthorized inquiry on my credit report today, and I have no clue how it got there. I routinely check my report, and this was completely unexpected. I even tried refreshing the page to rule out a glitch, but nothing changed. This situation is beyond frustrating, and I demand an immediate resolution. I need my documents reviewed properly so I can stop worrying about this.
Product: Vehicle loan or lease

I have an auto loan with PNC Bank that is seriously hurting my credit score. Numerous late payment complaints have shown up on my credit score from them due to late payments and the payments I am making over the phone and online are not going through.

Originally I started out trying to make online payments, but even though they looked like they were scheduled properly I quickly found out from the late notices two months in a row that it wasn't working. I should have complained then, but each time I called in and made the payment over the phone and was told, " Oh don't worry, if you pay right now with me it won't affect your credit score. ''  Eventually I got into the habit of simply calling in and paying over the phone and that was working fine, but when I went to try and get a loan to buy my house I found that those late payments were indeed showing up on my credit report despite me paying them in full immediately upon discovering their computer error. 

Now, after having paid over the phone for months, I get a notice of default saying that I am overdue. I called them to find out what happened and how I could possibly be late today ( XX/XX/2018 ) and they told me that they did have a record of my call on XX/XX/XXXX and the payment I made, but that it was rejected due to insufficient funds. 

I looked through my bank statement for both XXXX and XXXX and at NO TIME during the month did my checking account even come close to being too low on funds for the {$540.00} payment ( lowest it dipped was just over {$2000.00} ). She told me I would need to fax in a copy of my bank statement to resolve things to prove it was a glitch on their end.

Then, when I tried to make the payment today she said, " Oh I think I see what happened, looks like your account is missing a one there at the beginning in our file '' after I read her the account number off my check. But she couldn't explain how that number was missing when all my previous calls had payments go through without issue using that number in their system ( the previous phone calls PNC had used the checking account they had on file for me and I never had to read any account info to them, how did that number suddenly change? ). Nor could she explain how an incorrect account number would have accounted for an insufficient funds bounceback to them. 

I never got any notice from my bank for the charge being rejected, the statement doesn't show anything from PNC bank when I called. I have a confirmation that was e-mailed to me after the payment attempt was made and no other correspondence after that part from anyone until the notice of default I got this week. I'm sure that when I go check my credit report there will be ANOTHER late payment notice on there, and I want them all removed. 

I just want to pay them the money I owe and not have to think about it. My last auto loan I set up autopay online in 15 seconds and never once thought about making a car payment. With PNC it is total stress every month. It shouldn't be this hard to pay someone what I owe when I have the funds readily available at all times, and they won't accept any kind of advance payments or anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

Id like to open a complaint on XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
It appears they Im not the only client having ongoing troubles with this credit card company. There are multiple open complaints on them through XXXX XXXX XXXX. I paid {$120.00} in XXXX to make my account current they promised a new card. XX/XX/XXXX they advised I was current but said they they received a request for an address change which I had not made. XX/XX/XXXX they reported a second fraudulent account then closed it but then opened it added remarks and closed it with remarks that Im not privy to which tanked my scores. Now I cant reach customer service and still cant dont have a card and cant access online services. And theyre now requesting {$80.00} to bring my account current. This seems very fraudulent and rather illegal
Product: Credit reporting, credit repair services, or other personal consumer reports

its a fraudulent item.that the credit agency will not remove i dont know who put this account in my name. and i never told nobody or Gave permission for my credit to be reported to any bureaus or Any companies.i have sent in Supporting documents to the bureaus. two bureaus have taken it down Experian is the only bureau Holden this false information and affecting my credit I said then FTC reports XXXX XXXX now XXXX. the account is XXXXXXXX XXXX  the account number is XXXX