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

Under the guidelines of consumer law, when a manufacturer or dealer fails to repair a product within a reasonable amount of time, the consumer is entitled to either a full refund or a replacement vehicle. It is the responsibility of the manufacturer or dealer to provide satisfactory repair work and make things right for the consumer. In this particular instance, as a result of the amount of time that transpired and the failure to resolve the issue, I consider the XXXX XXXX XXXX XXXX to be a defective product. 

XX/XX/XXXX I purchased a XXXXXXXX XXXX XXXX XXXXXXXX. 3 days later it shuts down on the highway leaving me stranding in the middle of the night. 
A few days later Adonis had the vehicle towed to a XXXX dealership and after about 2 weeks, Adonis decided the XXXX dealership would cost them too much money to replace a better and alternator and had the vehicle towed from XXXX Louisiana to XXXX Texas. From there it took an additional 6 weeks before the vehicle was in my possession and working properly. Upon receiving the vehicle, it was entirely cleaned out of all my personal belongings, and even my warranty and contract paperwork with Adonis is missing. 
XX/XX/XXXX the air suspension on the vehicle malfunctioned and Adonis had a wait time of 2 weeks to set an appointment for them to only diagnose the issue. 
XX/XX/XXXX I am in Mississippi and the vehicle completely shuts down and all electronics are malfunctioning. Adonis had the vehicle towed to the XXXX dealership in XXXX Mississippi for the to repair it because it would be too much to transport it to their service center in XXXX XXXX Texas. 
XX/XX/XXXX Adonis had the vehicle transported to their service center to complete their own diagnosis because the XXXX dealership in XXXX Mississippi stated the problem is a gps tracking the device installed on the vehicle by Adonis that has malfunctioned. 
Adonis has not tested that issue and has replaced a computer module in the vehicle and it did not resolve the issue. 
The service manager has stated if the vehicle is not able to be fixed by XX/XX/XXXX then I may be offered a mechanical trade out if the account managers approve. 
The vehicle is a XXXXXXXX XXXX XXXX XXXXXXXX XXXX  with XXXX miles. Their inventory has newer year model cars but nothing equal to the size and options available on the XXXX. 
The service manager also does not have information on how the mechanical trade out works so I am not aware if they will give me a random vehicle or let me choose.
Product: Debt collection

XXXX XXXX XXXX ( XXXX ) has referred this matter to a Collection Agency of National Credit Management, when I XXXX XXXX XXXX XXXX do not have any financial liability or recourse in this debt owed, as both the business office promissory note was not completed by XXXX XXXX, and the Financial Responsibility Agreement was cancelled as shown in the document tracking of the student portal of XXXX. XXXX XXXX XXXX has harassed XXXX XXXX XXXX for this debt for over 2 years, with repeated letters, phone calls, and emails, but did not furnish a right to dispute nor a itemized description of charges being present, XXXX XXXX, withdrew from the University after being with enrolled by 4 days, but due to the negligence of efficiency in processing the withdrawal in a timely manner they see fit to charge XXXX XXXX for $ XXXX in which XXXX XXXX XXXX did attempt on paying some of it until the amounts seemed to continually increase, and while the administrative withdrawal fee of {$140.00}. It should also been noted that XXXX XXXX clearly expressed that he could not afford his tuition, and had to withdraw from the university, despite this being the fact the university is still insistent on their continued prolong harassment, and unwavering greediness towards the pursued collection.
Product: Checking or savings account

On XX/XX/XXXX, two orders were placed using my Bank of America Debit Card for {$1000.00} and {$1400.00} respectively at what appears to be a wholesale beauty shop run by a company called XXXX XXXX. The money was deducted from my Bank of America checking account on that day. The orders were then cancelled by the store which sent me emails to confirm that the orders were cancelled and that money was refunded. However, the money never was refunded to my account. Instead I called Bank of America and the company gave me a temporary reimbursement for each of the two transactions, which it then revoked on XX/XX/XXXX. 

I claim that this order was placed fraudulently using my Debit Card. I have never made any similar purchases at beauty stores, especially not in the wholesale quantities indicated here. In fact I have seldom made any beauty store purchases, a fact that is born out in the 15 year banking history that I have with Bank of America. Furthermore, I am a XXXX XXXX by trade and training and have no qualifications or inclination to go into the beauty business. I have been a sole proprietor of my own XXXX XXXX XXXX business since XXXX. 

I have a copy of the order details which Bank of America sent to me when it declined to uphold my claim of fraud. These order details state that the IP address that made the purchase was in XXXX, CO. I have been living in XXXX since XX/XX/XXXX and was there at the time of the fraudulent purchase. 

Additionally, the articles that were fraudulently purchased were never delivered to the address on the order and I never received any shipping notice or tracking information. I have tried to contact the company that the orders were placed at and their phone line is disconnected. Their web page says they are not open, and I don't entirely believe that the are a legitimate company. 

I have now filed a Police Report with the Police in the town I reside in when I am in the US. 

These fraudulent transactions add up to a significant sum. I have submitted and resubmitted fraud claims with evidence backing up each portion of my story above to Bank of America but they have denied each one saying that myself or someone with my information placed the orders and they were legitimate. They have now denied my third claim and refuse to open the investigation further. 

I would like to do something to get my money back, but I can't find the " XXXX XXXX  '' company to take to small claims court, and I can't get Bank of America to believe that this wasn't me who made the order in order to get them to refund my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 collections accounts. All from XXXX XXXX XXXX XXXX. The account should have been billed to XXXX. I was on XXXX XXXX when they occurred and would have been paid. I have spoke with the collection companies and the XXXX XXXX and they both said it was to late for them to bill and it wasn't billed in the first place. I have tried to dispute on my Transunion Credit Report and they state that the information is correct even when it should have been paid by insurance. It know states that I owe XXXX in collections to XXXX XXXX. They have all three accounts. I just want this resolved I shouldn't be punished because the hospital didn't do their jobs in billing my insurance that they new I had because I filled out the information.
Product: Credit reporting or other personal consumer reports

I have a credit monitoring service that told me I had a hard inquiry for a credit card application from Chase bank on XX/XX/XXXX. I immediately notified Chase to tell them that it was a fraud application and they moved it to the fraud department. At that time I asked they please remove the hard inquiry that was not mine and requested a letter at that time as well so I could dispute the hard inquiry with XXXX. I called back in XXXX of XXXX stating I had not received the letter and I still had the hard inquiry on my credit report costing me XXXX points, they told me it could take up to 60 days to remove. I called back in XX/XX/XXXX and stated I had not received either letters and asked them to resend a copy. I never received that letter and my credit report had not been corrected so I called again in XX/XX/XXXX because it had easily been 90 days with no results. I have been a customer with Chase Bank for over 30 years so I do not know how they could not get the letter to me even though I get a credit card statement from them every month. I then contacted XXXX and filed a complaint because XXXX would not let me dispute the inquiry with no proof from Chase. Within a couple days of the XXXX  report I received a call from Chase " Executive office '' he said he would look into the matter. Today I received a call back and he did verify it was fraud and now tells me It is MY responsibility to get their erroneous reporting off my credit report. The " Executive '' Office said they were unable to change the incorrect information, that I would have to write a letter. I was told the letter would take another 7 days. This has been going on since XXXX of XXXX with no results and I have spent at least 10 hours on the phone with them. When my credit was stolen Chase reported the Inquiry in 1 day, yet unable to remove it 100+ days even though they agree and it sits in their fraud department. I hope I can get this negative hit to my credit off before the 2 year reporting is over.
Product: Checking or savings account

As per my pervious complaint PNC has provided instructions but then are not following their requests and now have closed the issue no resolution with contact WA state.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

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 an account without my written instructions.
Product: Money transfer, virtual currency, or money service

I just set up an account with this company Chime on XX/XX/year>. The following day I had someone send me {$430.00} which was to go to a car payment. Not long after it went into my Chime checking account, money was taken out of my account in the amount of {$430.00} without my authorization. Now I can not make my payment and I have tried for three days straight to reach someone at Chime to resolve and help me retrieve my money back with no luck whatsoever.
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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : Chapter XXXX Bankruptcy Account Number : XXXX and 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: Student loan

I recently left school and applied for an income continent based repayment plan. I submitted three applications and each time FedLoan Servicing put me on a standard repayment plan with monthly payments of {$1000.00} which is almost half of my monthly income. I have called, written and submitted requests for the income contingent plan and they refused to acknowledge the applications. Today, FedLoan told me if I paid them {$5.00} they would consider putting me on an income contingent plan. They transferred me and I was on hold for one hour when I gave up. I requested a call back with their system and that also put me on hold. 

The FedLoan Service is violating the law by forcing me to pay for an income contingent plan. Further they will not respond either by phone, mail or online to my repeated requests and applications for the income contingent plan. I told them it was illegal to charge me and they said if I don't pay them {$5.00} they will keep me on the standard plan with a monthly payment of {$1000.00} for the next 25 years.
Product: Credit card or prepaid card

Hello, Someone has opened a credit card using my identiy ; name, phone, mailing addres, SSN with Best Buy. There was a balance reported to my XXXX XXXX account of {$3600.00} on XX/XX/2021. I spoke with Best Buy and let them know that this was a fraudlent activity and that I did not open this account. I also received this the letter in the mail with the physical credit card asking me to activate the account on this exact date. I was told that the transactions was made in Massachusetts which is strange because I live in Georgia and never in my lifetime have I ever visted Massachusetts. I don't know if this would support my case of if it's relevant but I don't even shop at Best Buy nor will I ever because I've always had an opinion that their prices are so high when it comes to home appliances or electronics. 

There was another incident where either the same person or some one else used my identity to open an account with XXXX XXXXXXXX. The balance was {$1500.00} and this was reported on XX/XX/2021. I reported this to the credit card bureaus as a fradulent activity as well but haven't heard any updates. 

As a result, these activities have hurt my credit card score immensely and it hasn't been resolved yet. My credit card score was XXXX and has been knocked down to XXXX in a span of a week.
Product: Money transfer, virtual currency, or money service

Closed an account with Bank of America and money has been transferred to that account but I no longer have access
Product: Mortgage

I received an email yesterday from my homeowners insurance company ( XXXX XXXX XXXX XXXX ) ; stating that there had been changes made on my policy. I then emailed my agent requesting whom had made changes and that I had not given anyone authorization/permission to change anything on my existing policy. My agent emailed me back and stated that PNC Mortgage, had requested that all bills be submitted to they for payment. HOW DARE PNC MORTGAGE MAKE THIS REQUEST WITHOUT. MY AUTHORIZATION. This is my homeowners policy that I opened and was paying on. XXXX can verify that I was paying my payments timely. Last year PNC Mortgage was charging me for their insurance coverage when I had XXXX and I was never refunded. PNC Mortage has taken my mortgage payments and applied them to my insurance ; then I would receive letters stating that my escrow account had a shortage ; then interest and fees were applied when I have receipts showing that my mortgage payments were timely. Then PNC would report my payments as late and send a report to the credit bureaus. I have lived in my home for 21 years and NEVER have my previous mortgage holders ( XXXX XXXX ), have ever tried to control my homeowners policy. XXXX XXXX would only request a copy of my declaration page to show that I had coverage. I an tired of PNC Mortgage doing whatever they want to my mortgage account and I want them to STOP!! PNC Mortgage treats me as if I have 'NO RIGHTS! ''
Product: Payday loan, title loan, or personal loan

I have 2 loans with Lendmark Financial, an auto loan and a personal loan. I took out the auto loan in XX/XX/2021 with an APR of 22.49 % and my monthly scheduled payments were XXXX. I took out the personal loan in XX/XX/2021 with an APR of 27.97 % and scheduled monthly payment of {$130.00}. 

The lender stated in the disclosures that these loans are legal under XXXX XXXX. XXXX the lender pre-computes the loan and adds the full interest owed to the outstanding principal balance. My starting principal balance was {$14000.00} for my auto loan. Had I maintain the loan for 60 months, I would have paid {$9600.00} in interest. 
My starting Principal balance was {$4000.00} for the personal loan and the {$2600.00} of interest owed after 4 years. 

Lendmark created a new principal balance whereby all payments made to the loans only pays the interest for the first 18 months or more. 
Due to their greed and perpetuation of this scheme, they change the loan to a hybrid interest only for the first 18 months without providing proper disclosure nor did they provide an amortization scheduled showing how the loan will be paid in full. I was never informed that the first 18 months of payments would be applied to the interest only and none of those payments would be applied to the original principal balance, I attempted to refinance the loan after 18 months and was told that none of my payments were applied to the principal balance. I am now forced to maintain a car that has a {$7000.00} value and I owed {$13000.00}. I am completely upside down. 

I was never given the proper notices. I am a victim of reverse redlining and predatory lending.
Product: Mortgage

My loan is under a modification agreement which has not been honored by SPS, Inc.

Based on the Home Affordable Modificationn Agreement, ( HAM ), signed XX/XX/XXXX, the Unpaid Principal Balance was {$230000.00} and {$120000.00} of that balance was to be deferred ( DPB ). The DPB was to be forgiven in 3 forgiveness installments ; 1st forgiveness, XXXX, XXXX ; 2nd forgiveness, XXXX, XXXX and the 3rd and final on XXXX, XXXX. The forgiveness was set at {$42000.00} per installment. All payments, as required, were made in a timely manner and in full compliance. The DPB should have been cleared ; completely forgiven XXXX, XXXX. 

XXXXXXXX XXXX XXXX XXXX ( prior servicer for XXXX XXXX XXXX ) processed the 1st DPB on XX/XX/XXXX, reducing the DPB to {$85000.00}. SPS transaction records show that with the transfer to SPS in XX/XX/XXXX, there were 4 payments provided and XXXX, XXXX, 4 more payments provided. These payments satisfied the requirements for the 2nd forgiveness! Additionally, {$4400.00} and {$1500.00} was posted XXXX and XX/XX/XXXX, which paid the account through XX/XX/XXXX when the 3rd and final forgiveness should have posted. Only the principal balance should have been remaining! Transaction records provided by SPS prove this, yet SPS will not post the 2nd and 3rd forgiveness that is due. The payments were received as transfers to SPS from the prior servicing carrier. SPS actually issued the DPB forgiveness XX/XX/XXXX ; {$85000.00} and then reversed the transaction. When questioned about it, SPS would never provide a reason for the reversal! All terms of the HAM were complied with, all payments made. The change of servicing carriers is not a reason to not honor the terms of the HAM nor process the forgiveness as stipulated in the HAM. 
Numerous inquiries, calls and letters have been sent to SPS to honor the terms of the HAM and forgiveness. Records, charts, graphs-all complied from transaction records provided by SPS have been presented to them and I receive no answers. SPS choses to not address the forgiveness ; instead they continually offer a modification agreement for signature-which they have acknowledged through their legal department, would make the forgiveness terms of my original HAM null and void. This lack of action on the part of SPS, is at the least unethical and certainly justification for a thorough investigation of their practices in handling home loans! Documentation of all payments, charts and graphs and other information sent to SPS with my continued inquiries, is all attached.
Product: Credit card

XXXX XXXX is the proper spelling of my name. 
Asked to close account. Keep getting emails from Gemini saying suspicious activity on credit card emails. Phone numbers don't work. No longer able to log into anything online. Submitted help ticket with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account : SYNCB/XXXX  XXXX - ( last reported XX/XX/XXXX ) - CLOSED account delinquent/late payment. During the pandemic, in the month of XXXX I had merchandise on order from XXXX XXXX which had been delayed on delivery for a 3rd time. I chose to cancel most of the purchase and only wanted a single item for which I was going to pickup from the warehouse to avoid a delivery fee. An attempt was made to deliver merchandise at my residence, I refused delivery due to the fact I was going to be picking up the merchandise. I went to the warehouse to pickup merchandise and was told it was out of stock, therefore never receiving anything at all. I was later charged on my Synchrony/Ashley XXXX account for merchandise I never had delivered or picked up. I submitted several disputes with Synchrony/Ashley to get the balance corrected on the account and was instructed to not make a payment on the balance since I never received any merchandise. The length of the disputes and the fraudulent balance was extensive. 

I am requesting that they remove the delinquent reporting for months XX/XX/XXXX 30 days, XX/XX/XXXX 60 days & XX/XX/XXXX. This reporting is inaccurate due to the fact that they reported my payment as being late when the balance was inaccurate and I was in the process of multiple disputes trying to avoid paying for merchandise I never received. This reporting is negatively impacting my credit report and is a result of their error, I would like a speedy resolution/response to correct this and to have all derogatory marks on this account removed.
Product: Credit card

discover card said I have to pay for a order I did not place XXXX. XXXX never sent out the furniture. discover card rep told me this. the furniture order was not in my name nor was it going to be delivered to my address. I do not have any authorize users on my accountdiscover card final decision was that I placed the order. XXXX has the furniture and {$1000.00} discover card paid them I explain to discover card that im XXXX years old and do not know too much about the internet I do have people that come to my house to help me with everyday living that has access to my personal information. I explain to discover card I did not give any one permission to use my card I also told XXXX when they called me I did not place an order. that should have been the end of it. because XXXX still had the furniture the order did have my billing address correct, phone and email correct. my name was not on the order and the delivery address was not my addressI have never charged anything on my discover card since I opened the account. there was no reason for me to look at my statement every month because I did n't charge anything on my discover card I tried to make out a police report but they theres nothing they can do because the furniture was never delivered
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees charged to my account. These fees were assessed despite having sufficient funds at the time the transactions were authorized. However, due to delayed posting charges and credits I was unfairly charged overdraft fees. 
This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient funds. I believe these practices are deceptive & unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking a recent copy of my credit report, I have discovered a Charge-Off account appears under XXXX with a balance of {$3100.00}. I am unaware if having any charge off accounts with XXXX. Please remove this information immediately as it is inaccurate, and is severely limiting my banking abilities.