23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I made and gave a payment over the phone from my checking account to payoff this PNC credit card that was compromised, so I could close the credit card account, so I could open a new credit card with PNC, to a PNC Bank representative to payoff my old PNC credit card. This PNC representative assured me on the recorded line that this payment was not late and the payment was made. I opened a new credit card with PNC Bank. A couple of days later I noticed my balance on the new card increased by the amount that I paid off on the old PNC credit card and PNC added a {$27.00} late fee and a {$6.00} interest charge. 
I have made numerous unsuccessful visits to the local PNC Bank branch here in XXXX to see XXXX XXXX to get this resolved and the {$27.00} fee and the {$6.00} interest removed from my new PNC credit card. I was handed excuses and empty promises that this would be resolved and the {$27.00} late fee and the {$6.00} interest will be removed. Then I discovered when I was in XXXX yesterday to see my brother for lunch that my new PNC Card would not work because of insufficient funds, which was really embarrassing and strange to me, because the card has a {$17000.00} line of credit on the new PNC credit card with a {$470.00} balance. Their customer service is the worse I have ever received from a bank.
Product: Checking or savings account

I called Navy Federal customer service Saturday, XX/XX/year>, as my transaction was being declined. I attempted to withdraw cash which was also declined. I reset my debit card pin on the app as well as verbally with a live rep on Saturday. This debit card is new and has never been used. The representative said she would have another card sent to my home, however, that this card may start working and if it does that I may use it until my new debit card arrives. I attempted to use it to withdraw cash back from a transaction at the grocery store ( 4 times ) as it wasnt going through. This withdrew {$1.00} from my checking XXXX times and still declined the transaction. I called Navy Federal today, XX/XX/year>, to discuss the declined transactions/fees associated. Additionally, that XXXX unable to use XXXX in my account at this time. I was calling for clarification on restrictions within my account. I have provided my first and last name, went through the verification portal ( which include the last XXXX of my social security number ), and I also verified the code from the XXXX time passcode provided to me by the representative. After confirming the code, the representative said they were unable to help me because my account is being flagged as restricted. She transferred me to a supervisor in accounts named XXXX XXXX I think ), who was not able to provide any guidance as to why my account is locked/restricted. She stated based on verification and the code reviewed it wont allow further conversation essentially. This doesnt make any sense at all considering I have verified all of my personal details as well as the XXXX time access code. There was no true reasoning as to why other than basically accepts the code or doesnt? That does not make any sense. I was logged into the Navy Federal application while on the phone and I reset my pin while speaking with the supervisor. I have requested to have my identity verified through the app submitting my drivers license, my phone number, signature XXXX times, and a code word. Regardless, this is unacceptable. I need to know why my account is showing restrictions/ why my debit card will not run successfully. A justification that the system received the verified code of XXXX ( which was correct ) yet can not be processed nor can my account me talked about further is absolutely ridiculous. Im extremely disappointed with the service provided as well as being sent a debit card that is potentially defective, however no justification provided as to why I can not prove who I am to discuss further. Absolutely ridiculous.
Product: Checking or savings account

I ordered a new card and canceled the one ending in XXXX. Chime sent a card and activated it. I reported I did not receive the card and CHIME claims the card was deactivated, however, the virtual card did not change on the app, which means CHIME did not deactivate the card and a new card with a different account number was not issued. I reported the new card lost ; I did not receive it. CHIME issued a new card and both cards were supposed to be in the mail. However, I checked the mail, and the card was not there. My conclusion, CHIME is issuing cards and activating them for criminals to use.
Product: Debt collection

A one-year auto policy was paid for in advance for auto insurance coverage from XXXX. XXXX XXXX. XXXX. No payment information was required, as no one in this family ever leaves bank account information online to avoid fraud and abuse of access to payment details by others. Months before the coverage ended, it was clear that XXXX would not get a renewal for a number of reasons. When calls and emails soliciting a renewal were received staff were repeatedly told that There would be no renewal, and to stop all contact. Furthermore, I intentionally did not select to auto-renew my policy in my online account. XXXX then decided to try to force communication and a renewal by having a collection agency harass us for {$79.00} UDS that it is neither entitled to nor that was part of the policy termination conditions. XXXX was neither asked to carry over the policy nor had any reason to do so. Furthermore, I intentionally selected to NOT renew my auto insurance policy in my online XXXX account.
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 Account Number:XXXX  has violated my rights. Or a 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: Debt collection

ON XX/XX/2022 I FOUND OUT I WAS A VICTIM OF IDENTITY THEFT. I REPORTED THIS TO MY LOCAL POLICE AND FILED A FTC AFFIDAVIT. I CONTACTED EACH COMPANY THAT HAD REPORTED FRAUD ACCOUNTS IN XXXX. EACH ACCONT HAS BEEN CORRECT BUT XXXX XXXX WHICH WAS PURCHASED BY CREDIT CORP SOLUTIONS. I AM NOW AWARE THAT THIS COMPANY IS IN TOTAL VIOLATION OF NUMEROUS OF MY RIGHTS UNDER THE FCRA AS WELL AS THE USC. FOR STARTER THIS COMPANY IS IN VIOLATION OF FCRA 615 ( F ) ( 15 USC 1681M. IT IS ILLEGAL TO PURCHASE OR TRANSFER A DEBT CAUSED BY IDENTITY THEFT. THIS COMPANY IS ALSO IN VIOLATION OF 15 USC 1692G ( A ). THIS COMPANY NEVER CONTACTED ME ABOUT THIS DEBT PRIOR TO PLACING THIS DEBT ON MY CREDIT. AS A CONSUMER, I HAVE THE RIGHT TO DISPUTE A DEBT PRIOR TO IT BEING PLACED ON MY CREDIT. THIS COMPANY HAS FAILED TO FOLLOW THE STANDARD GUIDELINES OF DEBT COLLECTION AND I AM NOW SEEKING REMEDY. AS STATED, I HAVE ATTEMPTED TO RESOLVE THIS ISSUE INXX/XX/2022. ACCORDING TO 15 USC 1681C ( 2 ) ANY COMPANY THAT FURNISHES INFORMATION TO ANY CONSUMER REPORTING AGENCY SHALL HAVE IN PLACE REASONABLE PROCEDURES TO RESPOND. THIS COMPANY HAS NOT RESPONDED TO ANYTHING. I HAVE REPORTED THIS COMPANY TO CONSUMERFINANCE.GOV AND I AM 100 % PREPARED TO SUE THIS COMPANY. UNDER 15 USC 1692K A ( 1 ) I AM ENTITLED TO ACTUAL DAMAGES SUSTAINED BY THIS COMPANY REPORTING THIS DEBT AS WELL AS ALL COURT AND LAWYER FEES. I AM AGAIN ASKING THIS COMPANY TO REMOVE THIS DEBT AND MY INFORMATION FROM THEIR DATABASE OR MYSELF AND ATTORNEY WILL PROCEED WITH COURT FILING.
Product: Mortgage

I have a previous complaint in and I just received correspondence from my mortgage co in regards to your submission to them. I need to do an additional complaint because the letter from my mortgage co states that one of my reasons for asking for help was due to my stating that I had unexpected medical expenses due to my father. That is indeed one of the reasons that I listed to them when I asked for help several months ago. The letter from them also states that I did not provide details as to the timeframe the medical expenses occurred, whether or not there were additional expenses after XXXX 2017 and  if the expenses were recurring expenses. I have been practically begging and submitting applications and appeals to my mortgage company and they never once asked any of the above statements when I was denied. I would have provided any info that they asked for but they did not ask any of the above. My account was even assigned a personal relationship manager that I talked with on a few occasions and I was not asked any if the above questions. The letter that I just received today from them also states that in order to review the account for further mortgage assistance, a new RMA package must be filled out in which they state is enclosed. Its not enclosed.They enclosed their answer letter and mortgage papers that dates back to about 4 or 5 years for some reason. I had to get out of bed which was not easy because Im really not feeling well and apply for assistance. I dont have a computer at home so now I have make it to a computer again to print and and send them more documents that was not enclosed as stated.I also applied for mortgage assistance on I think Monday because Im now on XXXX XXXX  for two weeks due to XXXX XXXX XXXX XXXX due to XXXX. I have medication that I now have to take which costed me almost {$300.00} for my XXXX XXXX XXXX which is a recurring expense for the long term. I submitted my urgent care visit, my doctors visit and the cost that I paid for my medication with my most current application for mortgage assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, myself, the consumer have filed a dispute regarding misinformation reporting to my consumer report. I reached out to Experian, I wasn't able to obtain the desired results. Though I have concrete evidence supporting my dispute.
Product: Mortgage

My mortgage company Truist, submitted an insufficient payment of city property taxes for the year of XXXX. The amount due was XXXX but only XXXX was paid for that year, on XX/XX/XXXX, for city property taxes. I noticed but was not concerned at the time and eventually it slipped my mind. This mishap in payment by the mortgage company resulted in penalties in interest, of XXXX, that the mortgage company have passed to me but they should be responsible for, as the escrow account I have is for the purpose of them paying the taxes. 

On XX/XX/XXXX I received a letter from the mortgage company informing me of the unpaid payment of taxes and that they are not responsible for supplemental tax payments, but the bill would be paid from my escrow to protect the property from a tax XXXX. I called them to understand what exactly this statement meant as this was not a supplemental tax bill but an insufficient tax payment that is the result of their partial payment. 

I received the tax bill for XXXX that listed the XXXX amount due in XXXX of XXXX and called my local tax collectors office to confirm the amount due was never amended for any reason and there was not a supplemental addition to the taxes. They confirmed the amount was never amended and that that was always the bill total it was just not fully paid by the mortgage company. 

I called the mortgage company to dispute them passing the penalties and interest to me and they are unwilling as they are saying the tax payment is supplemental without any proof. I have gone over all the bills with them verifying that it was not supplemental and they are unwilling to remove these charges from my account. I have no recourse in trying to pursued them to do what is right and take responsibility for the partial payment that was their mistake. I have presented all of the proof to them and they refuse. 

I have attached the Truist notice of unpaid tax bill - It is labelled as XXXX but it is from XXXX I have attached the XXXX tax bill from XXXX of XXXX- It is noted in the bill that there are taxes due for other years in the amount of XXXX. 
I have included the tax bill for XXXX - that shows the only partial payment of XXXX when XXXX was due. 
I have attached the notice from city of XXXX of the unpaid amount due from XXXX of XXXX including penalties and fees. 
I will also show the high level ledger of taxes and payment of those taxes from XXXX, which also shows the partial payment and history of payments since I acquired the home in XXXX.
Product: Checking or savings account

As of today, XX/XX/2022, after a conversation with a representative for XXXX XXXX XXXX  regarding a seize on my savings and checking account, I can no longer access. I requested information on this account, all the representative said was to call a Kahrs Law Office at XXXX, regarding a debt for XXXX XXXX in XXXX, Kansas. I told the representative I have no debt at that clinic. In order to have access to my bank accounts I must call this specific Kahrs Law Office. I told the XXXX XXXX representative this sounds like a fraudulent activity and Im reporting it. All my income is Social Security XXXX and cant be seized.
Product: Money transfer, virtual currency, or money service

Had this company in XXXX that came through with a sole purpose of assisting me sell my time share and i was defrauded of {$22000.00} through wire transfer. Bank of America did all transactions on my behalf and i have been in contact with them for over a year now to intervene. Bank of America has come back and they have told me that there is nothing they can do to help me recover my money.
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 XXXXXXXX # XXXX Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, have violated my rights. 15 U.S.C. 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 take any consumer report containing any of the following items 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: Student loan

At this point, I have no other direction to go except by filing a complaint against Navient. I have XXXX private loans ( currently, XXXX ( XXXX ) is being paid on monthly ; the other private loan, supposedly WAS in default. My federal loans have been consolidated. It is quite difficult communicating with Navient 's representatives because ONE individual IS NOT assigned to my file. It is numerous individuals. There are days that I receive calls 3, 4, 5 calls a day. The latest was XXXX XXXX, XXXX. I actually spoke with the individual. I informed them that I was on the phone seeking help from another agency in guiding me through this loan repayment processing. Navient 's representative was not listening ; thus, I became agitated because the representative was demanding payment. " So, are you saying that you are not going to make a payment. '' I hung up and continued speaking with a representative from XXXX XXXX XXXX. Two minutes later, another Navient representative called me back with the same arrogant, threatening tone,. Again, I hung up. I informed XXXX of XXXX XXXX XXXX of my issue. He attempted to help and logged into the system. It was at that time, we realized the private loan was not in default. In XXXX, I can recall a Navient representative informing me the XXXX loan was in default. As a matter of fact, per their documentation, both are now being financed through Navient XXXX Corp., not the original lender.. Notation on the loans are '' interest rate, variable, set by lender, Navient. '' This was the first that I have heard of this. I am being " robo call '' so severely, that I attempt to " block '' the number to no avail. Why? Because they call from different numbers. The latest is XXXX. This is the number they continued to call me from on Monday, XXXX XXXX. Although they telephoned, XXXX and XXXX. respectively. I received another call from them at XXXXeven though I had spoken with them earlier that day. Prior to filing this complaint, I have been receiving messages from a XXXX, XXXX, and many more Navient employees, 3, 4, 5 times a day. I have been completely stressed from the harassment. I have lost weight, pulled out my hair, and my skin has became seriously inflamed ; all from stress. I do n't understand the relationship between XXXX XXXX and Navient, but Navient is by far the WORST.
Product: Debt collection

I 've disputed some of their claims and sent proof of payment of rent, but have asked for further clarification on other claims of destruction. The agency states the matter has been investigated but they are agreeing with the apartment complex that I still owe. I have asked for dated receipts of their claims but have not received proof I owe them. When I asked for receipts, they sent same paperwork as before. I need more information in order to proceed. What happens when they investigate your disputes and still claim you owe them? I sent photo copies of paid rent from bank. I sent proof of payment and I 'm still disputing them but they claim I still owe. Also claim pet damage. I 'm disputing the extent of damage and will not pay for items they should do before a new tenant moves in such as painting. Also manager when I moved in wanted to put new carpet in. I asked her not to because I had pets, but to wait until I moved out before doing so.
Product: Money transfer, virtual currency, or money service

Blockfi is not following their terms and conditions by holding my crypto currency on the platform. Their over-leveraged and fraudulent practices has made me lose out on monetary gains and enjoyment of life. I was told my funds would be transferred by XX/XX/2022 and as of XX/XX/XXXX I have not heard anything about my transfer. There is absolutely no reason my crypto should be held up unless Blockfi is utilizing my funds in their own business without my consent or authorization. 

The bank sent out an email after I had already deposited my funds. It did not stop me from depositing but some how can stop transfers out. My trust in the banking system is in jeopardy as I dont see how Blockfi can continue to hold up my money with no regard.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Is the only agency furnishing this account. This results in inaccurate information across the t consumer reporting agencies.
Product: Debt collection

I began receiving notices that my wages would be garnished to pay Midland Credit Management ( MCM ) late in XXXX. Starting on XX/XX/XXXX my wages were garnished until XX/XX/XXXX when the total sum of {$1000.00} was garnished from my paychecks. That collections account is still on my credit report and a MCM representative told me that it is my responsibility to contact the court to ask a judge to sign an order of release of the funds to them. 

This seems unfair to me because : -I didn't think MCM could legally garnish my wages for a collection. It was my understanding that if I didn't pay a collections debt the consequence was a negative impact on my credit, and possibly that if left on there it would fall off my credit report after 7 years -MCM put the process of garnishing my wages through pretty quickly with a court order but suddenly they can't do anything to contact the courts about receiving the money garnished from me. Why is it my responsibility to make sure they get their money?
Product: Vehicle loan or lease

On XXXX XXXX, I called United Auto Acceptance Inc. to place a one month deferment on my car loan due to unemployment as a result of the coronavirus pandemic. My payment history with United Auto Acceptance, as of XX/XX/XXXX was current and in good standing. I was notified during my initial call on XX/XX/XXXX, that a United Auto Acceptance customer service representative did not have the authority to place a verbal deferment on the account. I was informed by the customer service representative to contact XXXX XXXX, by email, to request a formal deferment in writing. I sent multiple emails to XXXX XXXX, XXXX and XX/XX/XXXX but I never received a reply to my many emails. Since a deferment wasn't applied to the account, my XX/XX/XXXX payment was reported late to the credit bureaus and I was assessed late fee. I made many attempts to resolve the negative credit reporting issue with United Auto Acceptance but have been unsuccessful. According to the provisions of the CARES Act, I was in my right to request a deferment due to the pandemic and unemployment however United Auto Acceptance was not receptive to my request for deferment. I would like United Auto Acceptance to reverse the 30 day late payment reporting to the credit bureaus and credit back the respective late fees to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX {$66.00} XXXX XXXX {$47000.00} XXXX XXXX {$29000.00}
Product: Debt collection

A judgement was placed against me in 2008 by XXXX XXXX Bank and the debt got sold to Sacor Financial Inc in XXXX, CA. I was never properly served any court documents. Sacor XXXX Inc has levied my bank accounts and collected over {$8000.00} from me. The judgement was for about {$15000.00}. It has been over 8 years since this judgement and they are still harassing and calling me even though I have requested numerous times for them to provide me with the accounting breakdown of what is owed and all documentation retaining to this judgement. I hope that you will be able to guide me and help me resolve this issue.
Product: Student loan

Studentaid.gov does not have legal loan paperwork nor promissory note. Can not provide evidence loan exists nor previous payments made during 24 years Said loan supposedly existed. Payment terms were 20 years and never missed. Terms of loan met. Therefore balance legally zero. No evidence provided by supposed creditor to validate their claims. Current rules of Biden Administration if no evidence payments not made then assumed that they were made. There are no records of payments. Even though loan conditions met they refused to provide evidence and refuse terms met. And yet credit bureau still reports this damaging credit report.