23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

When I was XXXX I set up a student XXXX PNC Checking and Savings Account. I was told I would never be charged a fee for this service since I am a student. Last XXXX PNC upgraded my account and changed the terms and conditions of my account without telling me or having me sign anything. I called and they said they sent me something in the mail and that 's all the notification I needed for my account upgrade. They never did anything besides sending this letter, which I never received because I 'm at school, I was never asked to sign anything to agree to the new charges and terms and conditions to my account. I was charged {$15.00} a month for an account that I never signed up for. PNC admitted it was a mistake for my account to be upgraded and said they would only reimburse me for XXXX of the XXXX+ months I was charged for having below a {$1500.00} minimum. I have never had more than {$2000.00} in my account at a time. PNC admitted it was a mistake and refuses to reimburse me for this fraud. They lied to me and waived my account terms and conditions as a student without my direct knowledge.
Product: Checking or savings account

I tried to deposit a check of {$3200.00} that I received from work with my bank ( JPmorgan Chase bank ) and they have restricted my account and threatened to lock the account in 7-10 days. They keep asking me stupid questions and I tell them that the check is a check I received from work, they say they cant reach the company that issued the check, so I reached out to the company and they said the check was cleared and do not understand why Im having the issue with my bank. I was on the phone yesterday ( XX/XX/2023 ) for close to 6 hours calling multiple times and no one is able to help me. I have no access to my funds that were in there even before I tried to deposit the check and I find it so ridiculous that theyre making a consumer go through so much back and forth phone calls to resolve something they should be able to do as a business.
Product: Student loan

I have a private loan with Navient which used to be Sallie Mae. I have requested they lower my student loan payment in which on XX/XX/XXXX I was denied repayment options because : " After financial review you and/or your co-signer appear to have the ability to maintain the contractual terms. My co-signer is deceased. I have sent Navient his death certificate and they are still sending me mail with my fathers name attached to notices. They either have lost/or mishandled important documentation stating that I no longer have my co-signer available to help with paying my loan. 

On the month of XXXX my Mother received a call saying I was delinquent and I would be sent to collections if I did not pay before the beginning of XXXX. I called two months previous making sure I was put on a scheduled payment plan. One payment to be taken out on the XX/XX/XXXX of every month and one to be taken out on the XX/XX/XXXX of every month. When I called them to pay the requested amount they told me that I owed even more money because I was taken off auto-pay. They also said they no longer had my phone number to contact me. They allowed this to go on for two months increasing my interest rates and charging me late fees. This is harassment to be told I have to pay or I will go to collections and it is illegal they are increasing my interest and charging me late fees with their own mishandling of my account. They are already being sued for these allegations. I would like to make a formal complaint and find out how to either be dismissed from this loan or to receive repayment. 

The company has refused to lower my payments and continues to tell me that I will be sent to collections due to delinquency. I do not have a cosigner to help assist with me the amount of money they are asking for.
Product: Credit reporting, credit repair services, or other personal consumer reports

was recently pulling my consumer report, and I am very upset that my federal rights are currently being violated Under 15 USC code 1681 b Permissible purposes of consumer reports ( a ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 
I demand that transunion stop reporting XXXX on my consumer report. I XXXX XXXX do not give Transunion any written consent to report this information
Product: Checking or savings account

I disputes against fraud unauthorized transactions I sent there dispute department police report copies of a breach I was in the paperwork showing them what information was exposed which was accounts number password etc they they would credit me the money you and then take it right back from me like I've done that makes me feel like saying I'm guilty XX/XX/year> XXXX XXXX {$35.00} XX/XX/year> XXXX {$35.00} XX/XX/year> XXXX {$190.00} XX/XX/year> Non chase withdrawal {$120.00} XX/XX/year> XXXX {$140.00} XX/XX/year> {$390.00}
Product: Vehicle loan or lease

I Was in a bankruptcy. I asked the judge and West Lake Financial if i could have permission to pay the auto loan outside of the bk. I wsas given permission to do so and paid every payment. On XX/XX/2023 I made a normal payment. But when I called in to make my XXXX payment on XX/XX/XXXX I was told they charged it off on the day before on XX/XX/2023 merely 2 weeks after i made my last payment. The auto company ( West Lake Financial ) wouldn't let me make a payment on XX/XX/XXXX as they stated they charged it off on XX/XX/XXXX the day before the payment was actually due. Westlake states they charged it off in error as i came out of XXXX but their system did this and they didnt know how to fix it. They could see it was an automatic system issue. But no fixing that now. So they told me they had no choice but to reposes the vehicle. My Vehicle was picked up Wed XX/XX/XXXX. I tried to make the payment at least 5 times in XXXX and was denied. This has caused a major hardship. I reached out to the owner XXXX XXXX via email on the XXXX of XXXX for help to rectify what their issue was but to date have had no response.
Product: Credit card or prepaid card

Synchrony Credit Services : Recently I discovered what I thought was a horrible service being provided by this company. I have made payments of various amounts to my account through my XXXX XXXX Bill Pay but the payments are not being posted to my account and Im being charged late fees. Listed is a schedule of payments to my account : Payment date Amount XX/XX/XXXX{$95.00} XX/XX/XXXX XXXX Late FEE Charged XX/XX/XXXXXXXX Interest charged along with Late FEE XX/XX/XXXX XXXX Interest with Late FEEXX/XX/XXXX XXXX XX/XX/XXXX XXXX  When I phoned customer service, I spoke with someone ( who wouldnt provide their name ) and advised me that I should may payments closer to the due date to avoid late fees. Ive never heard of such a thing. Who penalizes a customer for making a payment? I can not tell you how disappointed I am in that Im being penalized for making timely payments. The representative told me that I was being penalized for early payments. When I asked to have a copy of whatever agreement she was referencing sent to me via email or regular mail she said that she could not send it. She told me to go online and use the agreement that Belk has for everyone. ARE YOU SERIOUS? Nope, she was graveyard calm as she relayed this information.
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After a long waste of time conversation, I thanked her and noted that when I phoned, I was offered the chance to take a survey and to leave comments after the call. Once she hung up, I would be automatically transferred. Guess what she never hung up the phone. She was insisting instead that someone would call me. That call never came, no one EVER reached out to me via email or otherwise. Considering how the phone call was handled, I cant say that Im surprised. Ill let you in on this one trick ; when you have a customer on the other line and the representative ( not the customer ) doesnt hang up, the call doesnt transfer to leave comments and take the survey ( if offered ). Im guessing no one who suggested the survey after the call service ever tried it out. The representative can mute the phone but as long as they dont hang up, your call will not be transferred to do this survey.
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I 'm asking for assistance in that I believe the Synchrony Credit Services is : 1. Intentionally penalizing customers and forcing them to make additional payments to cover 'Late Fees ' being erroneously being charged by the company 2. Failure to provide documents showing how the company bills its clients and better explain billing cycles 3. Failure to allow the customer to speak to someone in a higher position 4. Not taking proper messages and passing them on to someone who could engage with the customer and reach a solution
Product: Student loan

On XX/XX/ 2019 I contacted Navient regarding private student loans and being placed in a 100 % discretionary repayment plan called an " interest rate reduction payment plan '' due to being recently unemployed. I had gone through this before with the company in which they lowered the interest rates from 12 % to 2 % for 12 months if i set-up auto pay. This time they would only offer to extend the terms of my payments ( currently paid for 7 years, have 15 years of payments remaining ( initially entered into a 15yr loan ). Then they came back after another 20 minutes on hold and offered me 7 % for 9 months and 3 more scheduled payments at 12 % in which they need bank account information/ debit card information. In the future they try to auto debit from bank accounts without permission. I refused and was denied any sort of repayment plan.
Product: Credit reporting or other personal consumer reports

I am filing a follow-up complaint regarding XXXX XXXX  failure to correct inaccurate reporting of a business credit card on my personal credit file. This is in reference to prior complaint ID # XXXX. 

I am filing a follow-up complaint regarding XXXX XXXX failure to correct inaccurate reporting of a business credit card on my personal credit file. This is in reference to prior complaint ID # XXXX. 

Despite being fully informed that the account ( ending in XXXX ) is strictly a business credit card tied to a XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ), XXXX  XXXX continues to report this account on my consumer credit report, including negative payment history. This is misleading and violates FCRA 1681s-2 ( b ) and 1681s-2 ( a ). 

XXXX XXXX responded previously that they needed authorization but have not addressed the substance of my dispute or conducted a reasonable reinvestigation. I submitted documentation proving this is a business account and should not affect my personal credit profile. 

I am requesting the CFPB intervene again to require XXXX XXXX to : Remove this account from my consumer credit report. 

Cease all reporting of this business account under my personal profile. 

Provide confirmation of deletion. 

I have also submitted a second-round dispute directly to XXXX XXXX as required.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute letter written to all 3 credit bureaus XX/XX/2023. Experian, XXXX and XXXX XXXX. Dispute : Accounts written off with the IRS is considered ordinary income and now canceled debt, 1099c. Advised that I never received the 1099c for any accounts that were charged off and to please provide proof of documentation if so. These accounts are inaccurate and still furnishing on my credit report. The companies have filed it on their taxes as a loss and is still reporting it on my credit report as debt. I asked to be provided proof of accuracy of these reportings and delete for inaccuracy of accounts. Violation code 15 usc 1681e ( b ), 15 usc 1681n, 15 usc 1681o. Credit bureau just updated the accounts and added remarks. I asked for deletion. Accounts furnishing on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Early Warning Systems, and XXXX about an entry they are reporting about me that is fraudulent, and was opened as an act of identity theft. XXXX allowed for both a personal loan and a credit card to be opened in my name without my permission and fraudulently. I have tried to work directly with XXXX many times and tell them that neither of these accounts were opened by me and have gone into great detail explaining to both XXXX and Early Warning where XXXX reported the debt to that this was fraud. I have provided them a police report that outlined that I was a victim of identity theft and that many fraudulent accounts were opened in my name and correct social security, every since I was a victim of identity fraud. When I have spoken to both of these companies they have both refused to assist me and told me that did not care that I stated I was a victim of identity theft/fraud they would not remove their derogatory reporting of these two fraudulent accounts. My identity was stolen when my wallet was taken from me in 2009 when I was robbed. I have had about 17 charge cards, 2 auto loans, and 3 personal loans opened in my name due to this fraud/identity theft, and none of these fraudulent accounts should I be held accountable for. 

XXXX told me in one of the calls that I had with them that the accounts they claimed were opened in my name were included in a bankruptcy, Well I have never filed a bankruptcy EVER, and either of these parties can check my XXXX File, My XXXX File, and My XXXX File and they will see there is no record of any bankruptcy that I filed. 

Both Early Warning and XXXX are acting in a willful manner of inflicting emotional distress upon me by continuing to report this fraudulent information. They are defaming my character by them continuing to disseminate information that has nothing to do with me except the fact they allowed fraudulent accounts be opened in my name and they are totally unwilling to act in accordance of the FCRA and rectify this matter. I am attaching a copy of my most recent credit report that will affirm that I was a victim of identity fraud/theft and am asking for the immediate removal of this fraudulent information..
Product: Student loan

I attended XXXX XXXX XXXX XXXX XXXX from XXXX to XXXX and successfully had my federal student loans discharged through the Borrower Defense to Repayment program. This program, initially established by the Obama administration, aimed to offer relief to students who were misled, defrauded, or otherwise harmed by predatory colleges and universities, often for-profit institutions like XXXX XXXX XXXX XXXX XXXX  XXXX However, it's important to note that this relief only applies to federal student loans, leaving private student loans ineligible. Despite this, XXXX XXXX XXXX declined to discharge my private loans. I firmly believe that under the Holder Rule theory, I am entitled to the cancellation of my private student loans. This rule dictates that loans disbursed by a commercial entity, such as XXXX XXXX XXXX, should include provisions in the loan promissory note allowing borrowers to raise claims and defenses against the lender that they could against the commercial entity. In essence, if claims of fraud could be raised against XXXX XXXX XXXX XXXX XXXX, those same claims should apply to XXXX XXXX XXXX, the entities involved in my private student loans.
Product: Checking or savings account

on XX/XX/XXXX I called TD Bank and spoke with a representative in regards to suspicious activity on my account. they I formed me I had to go to a branch to complete an affidavit. That same day, I went into a branch and explained to them that money, in the amount of {$3100.00} was deposited in my account to then be withdraw only this time my money was withdrawn in addition to.the amount that was deposited. someone illegally withdrew money from my account in the amount of {$1000.00}. the bank 's approach was unfair. they said that their personnel are not trained to question any amount of deposits or withdrawals and that they will not be able to credit my account until.yhe investigation was completed, which can take up to 30 days. they had no issue giving money to someone other than me but they give me a difficult time when I ask for my money to be credited to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Hi, my vehicle was repossessed improperly with no notification. Today I received a document stating it was sold for an amount less than half its value. Upon checking the title and VIN it appears as there was no sale made so XXXX a little concerned as its listed at {$22000.00} and the document states it was sold for {$7000.00}. Car Loan Default Notice Document Came in XX/XX/XXXX & Car was repossesed XX/XX/XXXX Document States XX/XX/XXXX but never received anything. I believe this is a fraudulent loan practice at place. Could someone please help me figure out the correct place to go to have this looked into. Feel free to call or text me at ( XXXX ) XXXX as well. Thanks in advance!
Product: Debt collection

My wife was made aware of an outstanding debt she owed to XXXX XXXX College. She did not receive any notice and only found out about it when attemtping to request transcripts. The debt is from XXXX and neither the school nor the collection agency have described to us the nature or reason for the outstanding debt. 
The original amount owed was {$370.00} and has escalated up to {$1100.00} due to interest and fees per the collection agency. We have sent a debt vericication letter on XXXX/XXXX/XX/XX/XXXX and are still waiting for a response. 
After talking to them on the phone they offered to settle the debt for {$750.00}, without verifying the debt. Since we just want to take care of this we agreed to meet their settlement for {$750.00} but they absolutely refuse to provide us with a letter or email of verbal agreement describing the settlement. The only explanation they offered is that it is company policy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian will not respond to my requests to update my address information and remove the incorrect addresses that do not belong to me from my credit report. I want them to acknowledge my dispute requests and update my credit profile like they should. 


I have never lived at these addresses they do not belong to me ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Debt collection

Please remove account that doesn't belong to me and I filed a ftc report
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent in the letter from the debt collector stating they would no longer collect on the debt, and I also sent the validation letter I provided to the debt collector. Each time, the collection comes back as verified instead of being removed. I am very interested to learn how your XXXX ( XXXX ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence. Please include all names and contact information of employees that you spoke to as a part of this investigation. Clearly, you just pushed my dispute through XXXX because you could not have read this dispute and continued to report against the FCRA. The FCRA states that ALL information must be COMPLETE, XXXX, AND ACCURATE. This account is not any of the above adjectives. Please delete this erroneous account immediately!
Product: Credit reporting or other personal consumer reports

Not accurate filing date and showing up as XXXX XXXX on XXXX and on XXXX XXXX XXXX too many errors and this is causing alot of issues for me I want this deleted off my credit report.. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Case or ID # Disposition Date Filed Type Filer Current Disposition XXXX Bankruptcy Filed XX/XX/XXXX Personal Individual Dismissed/Closed XXXX Asset Amount Exempt Amount Current Disposition Date Date Verified Date Reported Prior Disposition XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX Filed ////// Reference Number XXXX Date Filed XXXX. XXXX, XXXX Classification Bankruptcy Type XXXX  XXXX bankruptcy Responsibility Individual Asset Amount XXXX
Product: Prepaid card

This is a Vanilla Visa Gift Card that was purchased XX/XX/XXXX at XXXX XXXX XXXX XXXXXXXX XXXX  for {$50.00}. They do not keep their cards behind the register so I think this is a case where I became a victim to the gift card scam going around. I was not able to use the card and I looked up the balance when I got home and it said {$0.00} and that there were two transactions in XXXX, XXXX at XXXXXXXX XXXX  for {$25.00} each to something called XXXX ( which I looked up ) and it is a cryptocurrency fraudulent website to purchase a domain for {$49000.00}. I did not make these transactions. I have asked Vanilla gift card twice to listen to me and both times they said I basically had no proof and closed my case. Both times I was unable to speak to a supervisor and this case was opened XXXX, XXXX when I discovered this card had been used. I just want a replacement card. Clearly this is fraudulent and I shouldn't have to pay for it.