23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX, I rented a 16 ' XXXX  truck to move from XXXX  to XXXX. The XXXX damage inspection sheet at that time indicated damage to the front top of the vehicle which probably led to water coming in the cab. During my trip gallons of rain water leaked into the cab within minutes, soaking myself and my personal belongings including my laptop. I had to pull over and stay in XXXX   XXXX XXXX XXXX  XXXX in Virginia as it was not safe to continue driving in that condition. I returned the truck on XX/XX/XXXX at a XXXX in XXXX XXXX and they were closed because it was Sunday. I left the keys in the drop box. I made a phone call to XXXX  on XX/XX/XXXX to explain the situation and they stated the truck I had rented had not been checked in yet, however I would have to go online and fill out a report customer service form. I filled out the report customer service from on XX/XX/XXXX. It states on XXXX 's website they will respond in two business days. They responded on XX/XX/XXXX for me to call the claims department. I contacted the claims department on XX/XX/XXXX, the same date I received the email and explained to them what happened. I have not received any further correspondence from XXXX regarding this matter. On XX/XX/XXXX, I opened a dispute with CITI claiming goods/services not as expected, and received a conditional credit. On XX/XX/XXXX, the conditional credit was reversed due to a ruling in the merchants favor based on the fact XXXX claimed I had never contacted them. In order to reopen the case CITI requested the details and date of each contact made by the merchant as well as their attempt to resolve the matter. On XX/XX/XXXX, I sent them documentation, phone records, and copies of emails in my defense to prove that I made a good faith attempt to resolve the issue with the merchant. CITI also wanted proof of what was expected vs what was received. Examples they asked for would be a sales slip, certificate of quality, newspaper advertisement, or an itemized bill. On XXXX XXXX, I sent CITI a newspaper article where they stated " XXXX trucks are one of the cleanest and best maintained rental truck fleets on the road. '' It also stated " Every vehicle undergoes a ten point quality inspection to ensure proper fluid levels, tire pressure, and other necessary elements for a reliable safe travel '' As previously noted the XXXX damage inspection indicated damage to the front top of the vehicle causing gallons of water to leak into the cab within minutes. This truck was rented out with XXXX 's knowledge it was not in safe and reliable condition. It is safe to assume that when one rents a truck it shouldn't leak so profusely that you would need to pull over and get a hotel. I have clearly complied with CITI 's request for proof. CITI then completely closed the case in favor of the merchant stating I was unable to prove what was expected vs what was received, when in fact I sent them an abundance of proof. It should have been clearly decided in my favor as I was given a XXXX truck that was unsafe to drive.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is incorrect names, address, and social security numbers on my credit report.     Incorrect Names :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    Incorrect Addresses :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   NJ  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  TX  XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   NJ  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   NJ  XXXX  Incorrect Social Security Numbers :  XXXX   XXXX   XXXX
Product: Mortgage

We recently did a mortgage modification with Statebridge Company , LLC. During this process, we were initially denied because they made a mistake denied us based on using only one source of income, rather than two. Then had to dispute this and reapply, ensuring that they try to qualify us using BOTH sources of income. We were then approved for a trial modification. We were then denied our modification because they held 3 of our payments and posted them late. I was then forced to dispute this and provided receipt of my wire transfer confirmation. The modification was then approved. 

Since then, the mortgage statements have consistently arrived after the XXXX of the month ( when payment is due ), and there has been an overdue payment of XXXX. This was not included in our modification paperwork, nor were we sent a bill identifying what these fees are. I have made multiple attempts, by calling and emailing, to find out what this charge is for. The customer service agent tells me that it's for various charges, and directs us to speak with the lady that handled the modification directly. No one has reached out to resolve this issue and I do not believe that we are liable for this bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Morning, for almost 3 years i still see new inquires in my credit reports which has not done by me, i have left the United States back on XXXX, but i definetely know that somebody has been using my identity for their own purpose for the years, I kindly ask you to delete these inquires from my XXXX, XXXX, XXXX, XXXX reports also i have already made report at XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Product: Checking or savings account

I have a Virtual Wallet account with PNC, where I noticed lots of unrecognized charges and ATM withdrawals. 
Account Number : XXXX All charges made from XXXX XXXX. 
Total amount from unrecognized charges {$8400.00} USD. 

Attached the Statement with the detailed charges and the dispute made with the bank. The bank states that an extra debit card was requested on XX/XX/XXXX and sent to our address wich is not correct. I did not do so and did not receive that extra debit card. They do not want to give us any extra information regarding who authorized that debit card and why did they issue it. Most of the charges are ATM withdrawals and I have proof that I was our of the country on those dates. I believe there is something we could do since I believe I was victim of a fraud. 

PNC will not help with this dispute. They answered on their behalf everything seems normal. 
Please advise.
Product: Debt collection

Having reviewed my credit report, I've detected inaccuracies and signs of fraudulent activity in the listed accounts. I am profoundly dissatisfied with this discovery and insist on the immediate removal of these inaccurate accounts
Product: Student loan

On XXXX, XX/XX/2019, I contacted Department of Education/Nelnet and set up a repayment , the Extended Graduated Repayment Plan, in which according to the creditor my next payment is due onXX/XX/2019 and that everything was approved for me to begin to pay on all of my school loans in a consolidated payment. I was told that I would receive the confirmation in two days but after not receiving this information I contacted Nelnet again to inquire about this and I was told by a representative named, XXXX, that it wasn't approved. I expressed my total disappointment because I was misinformed and not notified otherwise; had I not called I would never have known. XXXX  then stated that he fixed it and even gave me a lower payment amount with an extended payment due date. Then when I again didn't receive the confirmation documentation I called back and spoke to a representative named XXXX. He told me that XXXX  had misinformed me as well and that I would have to make three consecutive payments on loan A first and then to call back after the third payment in XXXX, 2019 and then I would be able to successfully set up a consolidated repayment plan for ALL of my loans. I did that and then called NELNET as instructed by XXXX   and was then told that was ALL incorrect that it didn't count for ANYTHING just to make payments on that one loan and that the other action was NULL and VOID. ALSO, XXXX told me that XXXX  had stated that back in XXXX, 2016 that I agreed to place Loan A ONLY on a different payment plan than all the other loans that I had with them. I told NELNET that I NEVER agreed to that because I had already been notified and requested that ALL my loans be on hold while the Dept of ED investigates my claim for loan forgiveness. I also wouldn't have agreed to do this on ONE loan when there were so many others that needed to be addressed as well.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS IS NOT MINE *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
Product: Checking or savings account

In the beginning of XXXX up until now I was charged XXXX overdraft fees I went into the bank I told them I was unable to get into my online app it kept saying wrong password the update was supposed to happen through XXXXXXXX XXXX I couldn't update because I still couldn't get into it and for the whole month every time I deposit an a check there was a overdraft on every single item I would buy and everything I would deposit would go right to the other overdrafts so it was XXXX overdrafts totaling XXXX it took Comerica Bank 4 days in order for the worker there to get the go ahead from his supervisor and they only took off four overdrafts that they believe was their fault so I'm in the process of closing the account
Product: Payday loan, title loan, or personal loan

I borrowed money from OneMain Financial in the amount of {$15000.00} in XX/XX/2017 with my car as collateral. In the contract, the interest is 19 % per annum. Monthly payment would be deducted from my bank account in the amount of {$490.00}. In each bill however, only {$280.00} goes to the principal loan and the {$210.00} goes to the interest. This is 43 % way more of what is stipulated in the loan agreement. Please help me!
Product: Money transfer, virtual currency, or money service

1 ) On XXXX XX/XX/2022 I received an invoice from XXXX XXXX of PayPal for {$290.00} for a subscription of XXXX XXXX XXXX. I don't even have an account with PayPal. My wife does. I told her about it, and she immediately called PayPal, and they said that they would take care of it. It is now XXXX XX/XX/2022 and the charges are still on her account. I know this because of the following XXXX ) On XXXX XX/XX/2022, I received an invoice from PayPal for {$780.00} for something unknown. I immediately called PayPal to find out what this was all about. Since I don't have an account with them, it took an extremely long time to get a hold of somebody. I called XXXX and spoke to XXXX who told me that my email address was linked with my wife 's account. I explained to him my problem and after some time, he told me that he would transfer me over to their fraud department. I waited about XXXX minutes on hold, and finally hung up. 

I would have preferred to have emailed them, but they have no email. 

I asked my wife to check her account to see if the {$780.00} was on it, and she said, no, but the charge of {$290.00} was still on her account. 

I would like both of these charges removed.
Product: Debt collection

I received a collection notice from AFNI dated XXXX/XXXX/XXXX. The alleged amount owed was {$59.00}. This allegedly represented the final amount due on for cable services from a XXXX account I had in XX/XX/XXXX while living in with XXXX XXXX county XXXX service area. I called the AFNI to dispute the bill as I am certain the final bill was paid. 

I left XXXX on XXXX XXXX, XXXX so that I could move into temporary housing provided by my new employer in the XXXX XXXX area. As the temporary housing was paid by my employer, including all utilities for a six month period. I did not attempt to transfer XXXX services. I turned in the cable box and paid the final bill in XXXX XXXX and relied upon a hotspot I had with another ISP for internet service after I turned in the equipment to the XXXX XXXX XXXX in XXXX XXXX XXXX. 

After I left the temporary housing in XXXX, XXXX I moved to XXXX, XXXX and established service with XXXX once again XX/XX/XXXX. Although I have been with XXXX since that time, I have turned in equipment from one market, ( XXXX ) and reused new equipment in a new market ( XXXX ). I am well aware of the protocol. 

On XXXX XXXX, XXXX I received another bill from AFNI for {$500.00}. This is nothing less than extortion. It has been roughly 6 years since I turned in the XXXX equipment from XXXX county XXXX. I have been with XXXX since that time with the exception of the time I was in temporary housing. If I had not turned in the original equipment XXXX would have billed me for it by now. I do keep records for 3 years but it is long past that time. I was informed by the AFNI representative that absent documentation from 6 years ago they would pursue this issue. It is simply unreasonable to allow a subsidiary of XXXX ( AFNI ) to extort consumers who do n't maintain paper receipts of a transaction with their organization from years past. XXXX left hand is n't talking to it 's right hand. This bungling bureaucracy can not be allowed to extort consumers, let alone its own customers. I specifically dispute the original {$59.00} charge and the additional {$450.00} AFNI tacked on to extort me into paying the original {$59.00}. Perhaps this is one of the reasons XXXX is such a hated company.
Product: Credit reporting or other personal consumer reports

CKS Prime Investments ( CKS Finanancial ) continues to report that my collections account is still open even though the balance is XXXX. 

It was confirmed with an agent at CKS Prime Investments over the phone on XX/XX/XXXX, that the account has been closed since XX/XX/XXXX. I called back on XXXX XXXX and requested that I receive documentation of this so I may provide it to XXXX XXXX and XXXX. 

After approximately, one month, I still had not received the document. I requested this again on XX/XX/XXXX and XX/XX/XXXX. I was told that they resubmitted the request and it just needs to wait for approval by the team who handles requests like these. 

I don't understand why this company can't report that the account is closed since it is paid in full, but they won't even send me the document I need to handle this with the credit bureaus on my own.
Product: Debt collection

I have reached out Grant and Webber, XXXX, and XXXX  so many times for proof of contract with this debt. I have not received anything from neither companies.
Product: Mortgage

I received conditional approval from XXXX XXXX ( Builder ) to build a new home several months ago for a certain loan amount ( XXXX XXXX ) based on a variety of factors, most of which are variable including the down payment and interest rate just to name a few. Long story short, I put down a good faith deposit of XXXX XXXX  and provided the builder with documentation that I divorced and will now be responsible for child support of {$1000.00} per month. The builder failed to take this into account and re-calculate to see if I still qualify for the loan. XXXX ahead several more months in XX/XX/XXXX where I then went to the design center to select options for the home. These selections then increased the total price of the home to XXXX XXXX without taking into consideration other monthly fees associated with the home such as insurance, PMI, CDD fees, HOA, etc. XXXX XXXX again failed to re-calculate the adjusted loan amount to see if again, I would still qualify for this loan. A month or more goes by and I inquire with the finance specialist who I've been working with them to see if the calculations have been made to which she says know and hasn't received the design center spend amount. The finance person and I spoke on the phone and discussed that I obviously could no longer afford this home based on the updated numbers and current interest rates. She suggested that I speak to the sales person to see if they can ask management what my options would be at this point. Two weeks go by and I finally heard back from the sales person stating management would allow me to purchase a lower priced home, but would not return my XXXX XXXX deposit even though I clearly could not qualify. I spoke with the finance person ago over the last few days where she requested more pay documentation from me, inclusive of my last pay stub from XXXX and my last 2 pay stubs. On XX/XX/XXXX, she sends me an email stating they have re-calculated everything and I'm now approved for this loan and send me the new calculations. The new monthly loan amount is {$6000.00} with taxes and all fees included based on an interest rate of 6.375 %. My take home pay is ~ {$7400.00} per month. The loan amount ( {$6000.00} ) + my monthly child support payment ( {$1000.00} per month ) totals to ~ {$7000.00}, leaving me with about {$300.00} for other bills. I have a monthly car payment of {$600.00} and an individual loan with a monthly payment of ~ {$740.00}, both of which they're aware of much less all of the other normal bills a person would have including electric bill, food, etc. I clearly do not qualify for this home purchase, but it appears XXXX XXXX is trying to force a loan approval when the consumer can not afford it. They refuse to return my XXXX XXXX deposit and are trying to either a ) push me to cancel the agreement and keep my XXXX XXXX deposit or b ) are trying to force a sale when the buyer does not have the means to pay for such a loan. Please help!
Product: Debt collection

I have these two collection accounts on my credit report from a company call portfolio recov assoc which i have never done business with. It appears those two accounts are original from two XXXX XXXX credit cards that i had more then seven ( 7 ) years ago and those accounts were charged off. Now, portfolio recov assoc started reporting both them on my credit on XX/XX/2018, one with the balance of {$2400.00} and the other {$1000.00}, they also appear on my credit as derogatory marks. The balances they are reporting are also incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified Experian that I am a victim of identity theft. I know I am responding to Experian response. I did not receive anything/goods and my request is not in error. I am a victim of identity theft.
Product: Debt collection

Received a letter in mail from XXXX in reference to a debt of {$760.00}. Letter indicates original creditor was Cascade Capitale which I have no knowledge of. This is causing me anxiety and fear my personal information is being shared with others which can cause identity theft. In no way this debt has been validated as mine and I request company to cease contact and delete information as to this may potentially affect my credit and/or use identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid for the timeshare in full with a check dated XX/XX/XXXX for the amount of $ XXXX and was told that the maintenance fees would average around $ XXXX {$400.00} at the time of signing the mortgage. The company sent me invoices for varying amounts between {$87.00} and {$1200.00} after it was paid in full. I made a payment and contacted the XXXX XXXX XXXX that handled the account to inquire what the differing charges pertained to and got no clarification. The customer service representative I spoke with over the phone restated the lines on the invoice ; no one could explain what the charges were for and it is not disclosed on the contract. I paid the mortgage off earlier than I requested and XXXX ( XXXX XXXX XXXX ) the timeshare exchange provider also charged me to " renew '' exchange privileges to use another resort. My payment of {$9200.00} included purchase of two bedroom timeshare and exchange fees until the date of XX/XX/XXXX but the company reported my account to a collection agency and my credit for the unexplained {$1200.00}. I have contacted Florida Attorney General Consumer Protection, XXXX XXXX at ( XXXX ) XXXX. The office informed me they were investigating under FL Statute Chapter 501, Part II, known as Florida 's Unfair and Deceptive Trade Practices Act on a letter date XX/XX/XXXX. I am a XXXX veteran and I would like to re-enter the workforce ; actually it is necessary but I wish to have this removed from my credit and all of my money returned. It is a great hardship to wait for a class action suit that the state may or may not have enough complaints to proceed with in the future. I wanted to keep the timeshare, but they refused to explain the excessive amount despite my patient requests and them reporting to credit bureaus negatively impacts my already limited employment options due to my service-connected XXXX. I signed the mortgage XX/XX/XXXX for 5 years but paid it in-full XX/XX/XXXX and they never reported anything good. They also stated my maintenance fees would average around the cash settlement fees in the contract once I finished the mortgage. I am a Georgia resident and a XXXX XXXX XXXX isn't worth {$1200.00} annual payments. I never would have purchased this if it was clearly represented in the contract and not misinformed by their representatives.
Product: Payday loan, title loan, or personal loan

Pnc bank wont allow XXXX app to connect
Product: Checking or savings account

On XXXX, XX/XX/2024, made a food purchase from XXXX in XXXX, CA for {$64.00} using my Wells Fargo XXXX XXXX for the full amount. 
On XXXX XXXXXX/XX/2024, Returned chicken due to it being undercooked ( wings were pink ) and ( boneless ) which was overcooked, burnt and not edible. I was told by employee XXXX that only the XXXX ( XXXX ) would be able to extend a credit or refund. I was told he would notify the XXXX. They stated they would keep the order so there would be proof of my complaint, which I agreed to. After not hearing from XXXX, I returned to to the store on XX/XX/2024 to follow up. I was told again by XXXX that the XXXX was not there but he would notify him again, I again left my cell number. 
I revisited the store on XX/XX/2024, XX/XX/2024, XX/XX/2024, and finally on XX/XX/2024, each of these dates I was told the XXXX ( XXXX ) was not there but messages were being left and they were not sure why he was not responding. XXXX stated " I will leave your cell number for him again '' which I provided. 
On XXXX, XX/XX/2024, I submitted Claim # XXXX via the Wells Fargo portal and was given a provisional credit. On XX/XX/2024 I provided additional statements as requested from Wells Fargo. On XX/XX/2024 I received a letter from Wells Fargo stating my claim had been denied because I had not provided the requested information. I contacted the Wells Fargo escalation department at XXXX and the person was beyond rude, told me there was nothing the could be done and hung the phone up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent of letter of dispute asking about proof of a debt and a contract with both party signatures. they sold the debt to an debt collector name XXXX XXXX XXXX still harass me even though they have ignored my dispute. both them and XXXX XXXX XXXX