23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XXXX XXXX XXXX double billed my account. I called chime to inform them. They canceled my card without telling me. I had no money on hand. Then XXXX reverse the charge but because there was no card I can't get my money back. I spoke with chime. I filed a dispute. XXXX doesn't have it and chime says I have to figure it out with XXXX.
Product: Credit card or prepaid card

They closed my account and refused to give me reason why.
Product: Money transfer, virtual currency, or money service

My daughter and I tried to buy a XXXX puppy from XXXX XXXX XXXX, we agreed to a price of {$810.00} including shipping. We each sent {$400.00} via Zelle to XXXX. Upon getting the money, we were sent an email from XXXX asking for an additional {$1500.00}. We immediately asked for a refund of our money and that we were not interested in completing the transaction. We have not gotten our refund yet. 
The transaction occurred on XX/XX/20.
Product: Mortgage

My mortgage line of credit is in foreclosure but there is no sell date. About 6 months  I started asking Bank of America for reinstatement. The monthly payment was around $99.99.They sent me documents to fill out for mortgage assistance and I sent them pay stubs, mortgage information, tax information, etc.Yesterday, my representative XXXX XXXX told me they needed the information all over again that I had provided. I feel Bank of America is stalling to justify the Attorney fees and to keep adding on monthly charges. The defaulted amount is $XXXX XXXX, but they want $ XXXX in fees for a total of $XXXX. (This documentation is included in this complaint). Please investigate and find out what is going on.XXXX XXXX
Product: Credit card

As I read Chase banks response, to my previous complaint about customer service, they correctly acknowledge that their response to my request was not granted. But notably, the options they offer did not include mailing payments in response to receipt of paper statements from the bank. Therefore, I am requesting that Chase bank process and mail me a monthly paper statement for two very important reasons to me, the customer. 1 ) My XXXX  and physical health is my top priority, so I do not want to experience the inherent stress required to navigate the banks automated payment system. I have experienced it more that once. XXXX ) It is very important for me to monitor my credit cards processing transactions and other related activities. I am also requesting that from XX/XX/2024, that my due date for payment be changed from the XXXX of the month, to the XXXX so that there is adequate time span between receipt of my statement and mailing. I expect that since this request is standard procedure it should not be denied. I checked online and verified that Chase offers this service at no extra charge.
Product: Debt collection

The debt was brought to my attention XX/XX/XXXX when I received notification from the credit bureau. Someone purchased items in my name on credit and made payments from a fraud account in my name. This account Portfolio Recovery was unfairly place in my credit file. I have no knowledge of the debt. My identity was stolen and used several times before to open and pay various accounts. I have frozen my credit file before in 2017 and have stopped fraudulent activity on my bank account by changing by card number and adding alert to all my accounts. There is no proof that this is my debt other than my name being falsely attached to it. 
I was apart of several data breaches with, XXXX, XXXX, and XXXX.
Product: Credit reporting or other personal consumer reports

XXXX. These companies allowed my information to be stolen. 
XXXX. Their actions resulted in me being scammed and defrauded. 
XXXX. Their actions resulted in fraudulent use of my information. 
XXXX. Their actions resulted in me being denied credit for years. 
XXXX. Their actions resulted in me not having a meaningful life. 
XXXX. Their actions resulted in me being denied jobs. 
XXXX. They listed multiple addresses that showed I am unstable. 
XXXX. They listed many hard inquiries that showed I was not creditworthy. 
XXXX. These companies destroyed my creditworthiness and life. 
XXXX. They are all responsible for my financial, marital, and medical failures.
Product: Student loan

With limited options for private loan assistance Navient has made equally difficult once again to find any kind of relief to my private loan debt. 
This will be my third submission with contacting the CFPB for Navient/XXXX XXXX 1 ) For their lack of responsiveness in connecting with service agent in the Rate Reduction Team and to their Complaints Department 2 ) Failure to provide financial support/reduction to my loans. After leaving a message I finally spoke to the agent, who I spoke to previously in regards to my other recent situation with Navient- XXXX XXXX . I expressed both complaints I have and included that I have been working diligently to have my payments be reestablished on the rate reduction plan. Which is the only options they provide with private loans. XXXX knoted that this complaint through him could take 5- 7 business days. With that said I have payments due XXXX/XXXX/16 and urged for things to be expedited. I have been on the rate reduction plan in the past and was looking to sign in for another year. I had completed step 1 which was to verify my financial statement with them. Step 2 was for my co-signer to complete the same. After several calls last week and not getting in touch with the team my cosigner tried again today and was connected. Which leads me to my 2nd complaint in the matter ... .Based on my co-signers finances I am not eligible for the rate reduction plan. My co-signer is not in a position to pay my payments nor am I approving them to. Especially since I have been on the plan before with the same co-signers and this year makes it much more difficult for that XXXX of my XXXX loans is now out of forbearance with a payment of {$220.00} and is not eligible for the rate reduction plan. My co-signer who has called is signed on XXXX of the XXXX loans I would need in the rate reduction plan. If on the Rate Reduction Plan and my remaining loan I will be looking at a payment of a minimum of {$710.00} a month which they noted was not guaranteed due to the fact that the {$710.00} was based on last years payment and that this year the interest rate would increase. {$710.00} is already barely attainable with the other loan opening up. Last year my payments were {$490.00}. Once again Navient has backed me in to a corner of never successfully moving forward debt free.
Product: Credit card or prepaid card

My credit card was put into collections despite the fact that I have been paying on it. Credit report shows that the card was first delinquent on XX/XX/ and immediately went into collections on XX/XX/. My bank and also XXXX   show that this is not true! My card wasn't delinquent on XX/XX/ or XX/XX/. In fact I have continued paying all the way up until now ... There are missed payments after the fact. However that was after they stopped sending me billing statements. I was not notified of them sending my card into collections. Had I been, I would have disputed it at the time it happened. 

I have called Citi Bank and they give me the run around and hang up on me. Or transfer me to XXXX  who turns around and tells me to call Citi to resolve this. At this point I am frustrated. Please help
Product: Debt collection

This is a public Audit Demand to retain all documentation proving that all Interest calculated on the account is being APPLIED appropriately. Due to some unfortunate situations in dealing with AES, I've been forced to demand this. If AES fails to produce the documentation I seek, I will make sure to obtain this through the use of my legal rights that pertain to the law. In Summary, AES has resources within their domain who tend to admit when something is right or something is wrong and yet, whenever I ask for the proof of this, they say they don't have it and that it's up to a different department to provide the information requested. AES also fails to provide which accounts they're applying any portion of interest, which misleads the borrower into thinking the interest is being applied as the law says it should. I have yet to believe that AES is doing ANYTHING RIGHT, and stand by that argument until AES can produce evidence suggesting otherwise. I'm in full consideration of seeking legal help to justify my aforementioned claims, because, as a collective, all borrowers that have to be instrumental in dealing with this company will never get the wasted time and money back for the egregious behavior this company is known for and all the headaches that have been distributed to all of these borrowers. They refuse to take ownership of their dysfunctional system and instead refute the claims and " blame '' the lender agreements, without citing which specific detail would cover that. 

Secondly, it's not mere coincidence that all Consumer Affairs websites such as the XXXX and the likes all have comments from borrowers who have the same issue with this company or similar issues. 

I absolutely believe that all of the issues mentioned here have to do with a disfigured conspiracy between legislators and the top executives within this organization. I speak for millions of borrowers and so does XXXX XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

On the company 's response letter, the company states that they had payment until XX/XX/XXXX. When I was notified that XXXX was XXXX, I made a payment on the total amount due at the time on XX/XX/XXXX. So XXXX only didn't have payment for 17 days. They should report accurately on my credit, stating that it was late for 17 days, which would be fine by me. But they unilaterally state that, if a payment is " returned '', even after having monies for 60 days in their account, they can state that the account was past due for 60 days, even if the reality does not reflect their measures. 
According to their own response, they had payment, then didn't have it for 17 days, then got paid again.
Product: Money transfers

On Tuesday XXXX XXXX I receive an automatic email from Paypal saying that I have autorised a payment of {$100.00} to XXXX. I did not order anything at this XXXX, the organisation was unknown to me. I contacted XXXX and issued a fraud alert with Paypal. 

Fearing that my accounts had been hacked, I changed passwords on every account I could think of, including XXXX. XXXX then automatically takes you through some steps to check if everything is OK. XXXX XXXX an app that I possibly had not installed myself. It was a XXXX app, and indeed I had not installed it. 
I found out that it was impossible to notify XXXX in any way about the scam and the fact that my XXXX account was perhaps involved in this. There is *no* email address or contact form to be found. 

XXXX confirmed that the payment was made via a fraudulent account and directed me to Paypal. 

Paypal does not acknowlegde my claim. They state that the payment was done from the same location as the fraud report. Therefore, they conclude that there is not enough evidence to support my claim and charge me with the task of finding evidence. 
In all this, I have already pointed out to Paypal that my XXXX account had been tampered with ( I had different passwords for XXXX and PP ), informed them of this suspicious app and repeatedly asked how their statement compares to that of XXXX ( which does acknowledge a fraudulent account ). 

On all of my questions I just get a standard reply, Paypal does not address any of my questions. Neither do they explain how I am supposed to get evidence of a hack/fraud. 

It may very well be that the payment was done from my home. I work from home and had my computer on all morning and XXXX was open most of the time. But it is beyond me to find out, let alone prove, how this fraud was carried out. It seems to me that PP are the ones with the expertise to investigate these matters, not me.
Product: Credit reporting or other personal consumer reports

hello, I contacted multiple times Transunion and reported fraudulent inquiries and credit open under my name. I even called the creditor and they told me this information does not match to my name and they dont know why its showing on the Trans Union XXXX I even filed the police report, which I already attached to this report. Are three hard inquiries under my name which none of them had permission. 
The first account is XXXX XXXX XXXXXXXX XXXX, which even I called them directly and they said the information does not match to my information and they said this is the mismatch but still showing on the Transunion information. The second account is XXXX community credit Which it doesnt belong to me either and it was opened fraudulently and I contact them also and they said none of the information or match to my information. And there are three hard inquiries, which should be removed from my account. Please see attached police report which was filed on XX/XX/year> on the city of XXXX XXXX, XXXX XXXX, California and the police report is XXXX XXXX : XXXX there were multiple accounts open under my name, but most of them after a couple months was removed by Transunion from my account, but unfortunately these two accounts have not been removed yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Mortgage

Since XX/XX/XXXX asking mortgage company ( Bayview Loan Servicing ) to remove PMI. Finally in April, it was determined that we qualify. Bayview had home appraisal done on XX/XX/XXXX. On XX/XX/XXXX sent letter of denial to remove PMI as the valuation report indicates that our home value depreciated. In addition, Bayview conducted an analysis of escrow and taxes and increased our monthly payment by {$55.00}. 

To date we have not received a copy of the appraisal report. We requested report on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR XXXX YEARS BEGINNING XXXX.
Product: Debt collection

I signed up for a gym membership that ran from XXXX to XXXX. XXXX XXXX XXXX, the third party company that collected payment for the gym, continued to bill be after my gym membership expired. 

Now, a debt collector is attempting to collect the unpaid monthly fee.
Product: Credit card or prepaid card

I contacted Home Depot Credit Card ( issued through  Citibank ) t o inquire about a possible credit limit increase on my account. I asked the rep repeatedly  (  have a recorded call validating this ) if there would be a credit inquiry on my report for the credit limit increase request. She stated NO, there would not be. I asked her if she was sure and she put me on hold and then came back and once again reassured me that there would be NO hard credit card inquiry put on my report. She went ahead and processed the limit increase request BASED SOLELY ON THE FACT THAT THERE WOULD BE NO HARD INQUIRY and at the most a soft inquiry, this is the ONLY way that I agreed to let her do it. She then tells me that she has to transfer me to another department so that they can get more information and " verify me '' to further processing the request. When I reached the second representative, I asked again for him to confirm that there is NO hard inquiry, this rep says YES there is a hard inquiry, it was already done by the first rep and that there is always a hard inquiry with there company. Very upset, I told him that I had just been lied to about the HARD INQUIRY by the rep who first handled my call and transferred me to him. I also asked him to get the hard inquiry off of my report because in addition to being lied to about it, I absolutely did NOT authorize it. I told him to cancel the limit increase request and do not go any further with it due to the deception that I had received. In fact, we never even got to discuss the increase or verification or whatever the purpose the call transfer was for. We only discussed the Hard inquiry being removed and the fact that the rep had just lied. He ( second rep ) did apologize on behalf of the first rep and stated that he put in a request to have it removed and that I would get a letter in the mail in 10 days. This all took place on  XXXX / XXXX /  XXXX  . I have never received that letter. The inquiry is still showing on my report as of today. I also called back about  2  weeks ago and was told the same thing. Still waiting. A week ago, I submitted an online request and no one has gotten back to me. Still waiting. The hard inquiry that I did not authorize has affected me negatively and has dropped my  credit score . And no one gets back to me about it. I would like it removed immediately.
Product: Credit reporting or other personal consumer reports

I was absolutely shocked to discover inaccurate accounts on my credit report this morning, and I have no idea how they got there. I check my credit report regularly, and this time, discrepancies appeared out of nowhere. I even refreshed my browser, hoping it was a temporary glitch, but the errors remained. I urgently need the documents I provided to be carefully reviewed so I can stop worrying about this ever happening again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Toyota motor credit is continuing to report false information on with all three credit agencies, I'm not reasonable for any debt or outstanding loan balance or reposition. please remove this reporting immediately from all three credit agencies or legal action will follow. I did give authorization for any to be placed in my name or on my credit profile with Toyota motor credit.
Product: Student loan

I have a loan through Navient. I'm eligible for Public Service Loan Forgiveness, yet it has been impossible to get clear instructions and help from them to apply before the XXXX deadline. 

I was on the phone with them yesterday for XXXX minutes. The rep finally told me she would send an email with a letter with all of the steps I needed to take. 

An email from Navient arrived hours later and had NO such information. 

Clearly, it's way too trusting and optimistic to think that a Loan Provider will want to help loanees to cancel part of their loan. Why was PLSF designed this way? Navient has every incentive NOT to help students, not to help them.

I need help, Navient is the WORST lender, this is a dysfunctional process, and I'm running out of time.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

This Complaint is against PNC Bank. 
In early XXXX 2015 I received a credit card offer in my minor son XXXX XXXX name. He was XXXX years old at that time. Also to add insult I received this mail at my physical address in which I do not receive any mail there for security reasons I receive my mail only at my XXXX XXXX XXXX. 
On XXXX/XXXX/2015 : I called PNC Bank at XXXX and spoke to XXXX XXXX at the XXXX XXXX XXXX and filed a complaint. He just apologized and could not give any reassurance this will not happen again or how it happened. 
On XXXX/XXXX/2015 I received the attached email from XXXX XXXX XXXX Escalation Specialist but to no avail. He informed me of the same above. 
On XXXX/XXXX/2015 I spoke with a lady representative from PNC Bank at XXXX and she could not explain how my minor child was getting these credit card offers. 
Now on XXXX XXXX, 2015 I received another credit card offer in my minor son name at my physical address. 
This is complete fraud. I have a PNC checking account and my son is POD on the account. This is the only information PNC has on my minor son. Why are they sending him credit card offers after I addressed my concerns with them in XXXX 2015. Also why to my physical address when I never get mail here. All my mail in regards to my checking account goes to my XXXX XXXX XXXX.