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

I have banked with PNC for 2 years now, I don't really dispute anything unless I have too. Despite me being with PNC which I could have easily chose to do business with another bank but today is the last straw. I have maybe disputed 6 charges total out of my entire time with this bank and closed out 2 and it has been a terrible experience. I'm guessing the only time you are entitled to your money back if 1. unauthorized charges. or 2. didn't receive your merchandise and that's sad. clearly unsatisfied quality of merchandise don't count as a reason to dispute anything this bank has changed so much i should've closed my account a year ago when my account wasn't even secure when someone hacked into my bank account and stole my money and it took them 3 weeks to give me my money back after filing a complaint. and i'm just tired of it i will be no longer doing business with this bank. last but not least, they're customer service team have you waiting hours before someone answers the phone, and even hang up on you like a representative did me today on XX/XX/2021 from an PNC EXECUTIVE OFFICE and refused to answer the phone when i vented my frustration what is the point of banking with a bank that doesn't have your very best interest. it's ridiculous she hung up. I will also let everyone know about this bank so they can choose another bank..
Product: Credit reporting or other personal consumer reports

I have marvelous been improving my credit score over XXXX past in six months, only to find out that I have been screaming to remove Chase Bank vehicle loan on a XXXX XXXX XXXX, from a head-on accident in XXXX, no fault of mines! Progressive ins paid out covering me till defendant paid! But, Gap company breached contract never paid, but Chase contacted me for a settlement program followed my half-payment as settled but, never mailed me out the 1099-C form for my taxes, they have recorded but has denied me access for some time, violating my rights! I'm requesting a full deletion of the charge off, removed from the following : XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX and requesting compensation for all the high interest rates of 26 % and principal balances plus 2 cars XXXX XXXX XXXX, XXXX that broke down in 6months ( stoped running ) and 2nd vehicles XXXX XXXX XXXX, same thg ( discontinued in the USA ) brokes down daily as a result of the charge-off causing me heartache, headache and definitely lose of income struggling to pay bills. I have spent hours on the phone w Chase bank esp this pass Monday XX/XX/XXXX while a the dealership trying to purchase a new car again within the last 2yrs, as a result of higher interest rates and lower credit score @ I have the internal setup within the Chase banking System causes lazy employees not to serve the general public in a way that helps to be successful! Several ppl, working on their Credit Specialty team, XXXX Special Team, Total Loss team, Bankruptcy team, they love transfer my calls around and around in circles.
Product: Student loan

Subject : Immediate Action Needed : Approve Outstanding Borrower Defense Applications To the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, We are writing as a collective group of defrauded students and alumni who attended XXXX schools, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted. 

Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : * 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 The Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXX University misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within six months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 

At its peak, XXXX enrolled nearly XXXX students across campuses in 26 states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the XXXX XXXX XXXX XXXX XXXX XXXX Summary and Statements of Facts. 

We are asking you to take immediate steps to : 1. Approve all outstanding Borrower Defense applications for students who attended these institutions. 
2. Discharge all loans associated with fraudulent practices, including consolidated loans.

3. Repair borrowers credit reports to reflect the removal of these fraudulent debts.

Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the XXXX XXXX, but this dream was stolen by the very institutions we trusted to help us achieve it. 

We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. 

Thank you for your attention to this urgent matter. 

Sincerely, Students & Graduates of XXXX XXXX
Product: Mortgage

I have a number of issues I 'm trying to get a response from the servicer, Ocwen. I just received a letter from Ocwen which is NOTHING MORE THAN ANOTHER GENERIC letter. This is there way of handling - just keep sending a copy of the modification and after awhile they will give up. NOT THIS PERSON. I will respond to their generic response separately. In the meantime, why are my monthly payments DIFFERENT EVERY MONTH? This was a loan mod with a fixed rate and I understand after the trial payments they need to do some financial adjustments but if I 'm not mistaken, after that the payments should be the same until the adjustment time - 5 years from now. Once again, they are moving the numbers back and forth and until I receive a COMPLETE ACCOUNTING, I will not stop. I work for a XXXX and know they can provide me with the numbers they used in the modification and I requested this. No surprise, I did not get it. Just makes me feel all the more they are hiding numbers.. Please request Ocwen provide me with the numbers I requested in my original letter and have them respond as to why the payment amounts since XX/XX/XXXX have been different EVERY month and I 'm supposed to have a fixed rate. 
Thank you
Product: Money transfer, virtual currency, or money service

XX/XX/2022 a military personnel wanted to friend me on XXXX and I accepted, his name was XXXX XXXX. A couple weeks later he asked me to download XXXX chat app so we could text. Our relationship was going very well and feeling grew. About 5 or 6 weeks later he told me he had to get his personal papers and XXXX XXXX dollars and gold dust that was in a box at a security company in the XXXX. The company " XXXX XXXX " was having management problems and the building was being under new owners and being turned into a hotel and he need his property mailed to me until he retired in 3 months. 
This is where the fraud and scam started. The were named changing cost, flight cost and other charges to get his box delivered to me. My money was sent to Security Service Federal Credit Union in Colorado to a real account. 
XXXX also wanted me to email The United Nation to help him get leave so he could visit me because now ,4 months later he wasn't retiring yet and would cost me over {$4000.00}. 
I XXXX The United Nation online and this is when I knew he was lying and scamming me.
Product: Checking or savings account

I have maintained in good standing the same account with Bank of America for over 25 years. On XX/XX/XXXX, I deposited a cashier 's check at the branch for {$6000.00}. Bank of America placed the funds on hold until XX/XX/XXXX ( Yes 8 business days ). I called B of A and spoke with an agent and supervisor who explained that due to losses, checks over {$5000.00} including certified funds are placed on hold. Regardless of the banking relationship. This is a UDAAP issue for a few reasons. 1 ) B of A placed an extended hold on certified funds for no reason while earning Interest / investment returns to benefit the bank. 2 ) B of A does not place all of their account holders funds on hold for 8 business days. I am writing this complaint on XX/XX/XXXX because I truly believed the funds would have been released sooner.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, Equifax sent me an email stating that they needed me to furtherprove that I was a part of their data breach. They told me that in order for me to be approved for the data breach, I needed to provide all of my email addresses as well as all of the names I've used. 
I am a victim of identity theft as a result of this data breach, and I qualified for the data breach settlement on THEIR website. 
I spent months researching and gathering all the proofthat I should not have to do, but this data broker company is putting me and others through unnecessary work, expense, and stress. 
I already mailed Equifax over ten pounds of paperwork in a 4-inch Binder with tons of proof the first time around, and now this company is interrogating and putting me through the mill. I've heard that this is happening to a large number of people who have filed for their settlement money. 
Equifax appears to be hoping that people will not do all of the work a second time. Furthermore, they are only giving people a month to comply before rejecting their claims, which is deceptive and abusive to people who have already been victimized and compromised by Equifax. 
Plus, Equifax isover the 15 and 30 days that I was supposed to hear back on this claim, all I heard was " give me more proof or all that work you did was for nothing. '' An affidavit of truth is provided below. 
I had to write and have it notarized, as well as upload everything I'm sending to you to Equifax ; they did the same thing to my son, so it was double the headache, hassle, and worry. These companies used AI to generate a generic response to both of us, with the only difference being our names and Case Numbers. 
This is completely unacceptable and unnecessary behavior on their part. This is done on purpose in order to keep all of the money and not disburse the settlement. 
My Affidavit is in the attachments and i will upload everything I had to mail to the request return receipt again.
Product: Student loan

On XXXX XXXX, 2017, I submitted a payment voucher to my loan servicer, XXXX, from my XXXX educational award, in the amount of {$280.00}. On XXXX XXXX, 2017, the request was received by XXXX XXXX. I was informed it would take 7 to 10  days to be processed. I have called on 3 occasions this month to confirm this payment. 

This morning, XXXX XXXX, 2017, I called XXXX since the payment has not posted. I dealt with an extremely unhelpful employee named XXXX, who did not provide me with any explanation, other than to say it was still being processed. I was informed that my options, should the payment not be processed were, 1 ) request a forbearance, or 2 ) make an additional payment. This is completely unacceptable. I do not wish to use a month of forbearance when I have already submitted a valid payment, and I do not wish to make an additional payment when I have already submitted one payment for this month. 

This is the 2nd time I have had to file a complaint due to XXXX XXXX not promptly processing my payment.
Product: Debt collection

Pinnacle Credit Services has been reporting a {$2700.00} collection account on my credit report. I have never had any business with Pinnacle Credit Services. I realize this is a debt collection company. As such, numerous times I have requested validation of this debt. I have been told that they are not required to provide debt validation. I have disputed this transaction several times on my credit report through XXXX. XXXX has not been helpful in having this item removed from my credit. I have sent them verification of a certified letter I sent Pinnacle Credit Services requesting validation of the debt, or to have it removed from my report. Yet I 've received no response from Pinnacle Credit Services. I do n't even know which company this alleged debt originated with. I believe at this time that this should be removed from my credit report as they have frequently broken the rules of FDCPA by refusing to send me any verification that this debt is valid and that they own this debt. I have no direct contract with Pinnacle Credit Services.
Product: Credit card or prepaid card

Yesterday, I received an email from Comenity Bank in reference to a Zales Diamond Card that I have had for a number of years. I've always paid my card in full and I don't use it often. The email was notice that unless I use the card at least once before XX/XX/XXXX, Comenity will close the account. I don't have a problem with them closing it, honestly. The troubling part of the email was the threat that they made to report the closure to credit bureaus negatively ( it being widely known that an account shown as " Closed by Creditor '' is detrimental to credit ratings ) as quoted following : " Thats why were planning to close your account on XX/XX/2020. This means you wont be able to make any more purchases with this card and well let the credit bureaus know your account is closed. '' I have sent them a letter requesting that they close the account but that they report it as " Closed by Consumer '' to the credit bureaus. Hopefully, they will do as I have asked. 
This approach seems heavy-handed to me and I question the wisdom of creditors being allowed to encourage consumers to unnecessarily use a credit card. I think that a better way for creditors to handle this type of situation would be for them to offer to close an unused account and show it " Closed by Consumer '' instead of encouraging consumers to use a card to avoid a negative entry in their credit reports.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I found some incorrect information. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus are required to validate these accounts. It is not permissible to leave these accounts unverified without providing proof within the legally specified time frame. The following erroneous information on my credit report needs to be investigated and corrected : XXXX  XXXX XXXX Balance : {$200000.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$5700.00} XXXX XXXX  XXXX XXXX Balance : {$39000.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX  XXXX XXXX Balance : {$3400.00} XXXX  XXXX XXXX Balance : {$200000.00} XXXX, XXXX XXXX Balance : {$570.00} XXXX XXXX  XXXX XXXX XXXX Balance  : {$5700.00} XXXX XXXX  XXXX XXXX Balance  : {$39000.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX  XXXX XXXX Balance : {$3400.00} XXXX  XXXX XXXX Balance : {$200000.00} XXXX, XXXX XXXX Balance : {$570.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$5700.00} XXXX XXXX  XXXX XXXX Balance : {$39000.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX  XXXX XXXX Balance : {$3400.00}
Product: Credit card

In XX/XX/year> my XXXX XXXX, XXXX XXXX XXXX who I have a restraining order against due to XXXX XXXX. He issued two fraudulent stop payments to the account which resulted in the account getting closed without my knowledge. The paid in full payment was made, than almost a month later after the relationship ended he then fraudulently reversed the transaction saying he didnt authorize it, which he did and I have proof of that. After trying to remedy the account and multiple ways, customer service has yet to even provide me with any solutions other than paying the total balance off and opening a new account. My XXXX XXXX  was the one who linked his bank account with my CareCredit account so that the payments would be taken out of there, likewise the same bank account was used to make other prior paid in full payments and has always been linked to my CareCredit account for over a year. Ive called customer service multiple times and have explained the situation with my XXXX the XXXX XXXXXXXX along with informing them about the restraining order I have against him. After countless efforts to remedy and reopen my account, the customer service has yet to offer any resolution. Even after I bring up prior conversations Ive had with other customer service reps along with the manager they have yet to have any documentation. 
They dont seem to keep record of prior phone calls, complaints, and disputes made on the accounts, and they dont actually do what the customers asking them to do. I had no idea that my account was closed until I went to go use it for a vet bill and couldnt! 

After months of trying to fix my account, I check again and they increase the balance, even though I cant use it and theyve ve been charging me a card security and a paper fee, I can not use the account due to it being closed. Customer service tells me the card security is to pay off the balance if a financial hardship happens, which I told him I am going through a. Financial hardship due to XXXX XXXX and losing work after what she said that I couldnt use the card security even though Ive been paying on it.
Product: Consumer Loan

XXXX XXXX my husband XXXX XXXX XXXX XXXX received orders that he was to deploy to XXXX by XXXX XXXX, XXXX. Right after we where notified of the deployment I contacted VWCredit in reference to my lease and to find out steps I need to take since my lease was not to terminate until XXXX XXXX. I spoke to a lease representative and he explained to me the steps I needed to take. I faxed my husband 's orders to them and the next day I received a emailed with a form attached that needed to be filled out by a VW dealership and returned to them 15 days prior to turning the vehicle in. So 15 days prior to us departing we took the form to our local VW dealership and had the form filled out and faxed it to VW credit. On the Friday prior to us leaving for XXXX on our way to visit family for the weekend I received a phone call from VW Credit stating after reviewing the orders they discovered that we did not qualify for the XXXX and would be responsible for the remaining 11 months of payments totaling {$5400.00}. After many phone calls I finally was able to speak to the head of VW Credit leasing department. He sympathized with me but said there was nothing he could do. I explained that I have owned XXXX VW XXXX and have been a valued customer. Also I said if we had been told back in XXXX that we did not qualify for the XXXX we could have sold the car and had no out of pocket expenses since the car was in excellent condition with only XXXX miles on the XXXX lease. Well under the allowed mileage. We ended up turning the car in and it will be sent to auction. We will be responsible for the remaining balance not to exceed the {$5400.00} owed. The head of the leasing department agreed that I had been miss informed and given inaccurate information that ultimately lead to our dilemma. But he could do nothing about it. My brother is part owner of a dealership XXXX and told me that is not true, it is a choice that has been made. I 'm very frustrated by the treatment we received and by the fact that XXXX does not apply to all XXXX XXXX and retired government employees XXXX. My husband gave 21 years to the XXXX and now 11 years XXXX. As a civilian he has XXXX 3 times XXXX.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX XX/XX/year> Credit Collection Services XXXX XXXX XXXX XXXX, MA XXXX Re : Validation Request for Alleged Debt Account Number : XXXX To Whom It May Concern, I am writing requesting that you provide validation of the debt referenced above in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g Sec. 809 ( b ). 

Please provide me with the following information : The name and address of the original creditor. 

The original amount of the debt. 

A complete account history, including all charges, fees, interest, and payments. 

Documentation showing that Credit Collection Services is legally authorized to collect this debt. 

Proof that the statute of limitations has not expired on this account. 

Until you provide the requested validation, I will consider this debt to be disputed, and I will not make any payments. Additionally, I request that you cease all collection activities and stop reporting this debt to any credit reporting agencies until this matter is resolved. 

Please be aware that any failure to comply with this request may result in my filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney General 's office in my state. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance investigating this matter to endure my rights are upheld. Thank you.
Product: Money transfer, virtual currency, or money service

I had not used my physical Chime card in a while and realized it was missing towards the end of XX/XX/XXXX. I noticed unauthorized transactions and reported them to Chime on XX/XX/XXXX. The following transactions had been made without my authorization : XX/XX/XXXXXXXX XXXX XXXX {$100.00} XX/XX/XXXXXXXX XXXX XXXX {$100.00} XX/XX/XXXXXXXX XXXX XXXX {$110.00} XX/XX/XXXX ATM withdrawal {$260.00} XX/XX/XXXX ATM withdrawal fee {$2.00} XX/XX/XXXXXXXX  ATM Withdrawal {$500.00} XX/XX/XXXX ATM Withdrawal {$500.00} A total of {$1500.00} fraudulently taken from my account. 

A dispute was filed under Claim number XXXX. I received an email on XX/XX/XXXX stating that based on their investigation my dispute was denied. I requested the documents used to determine the denial of my dispute on XX/XX/XXXX and was emailed back on XX/XX/XXXX with the transactions that I had disputed and a copy of the original intake form from Chime that I had completed with the Chime representative on XX/XX/XXXX. Chime never actually investigated my dispute nor spoke to any of the merchants about the fraudulent transactions made on my account.
Product: Credit card or prepaid card

Hello, I had a credit card from Gap by Synchrony Bank for more than a year. I've made all of my payments on time and that last payment scheduled on XX/XX/2022 for {$1600.00} didn't go through because I didn't realize I had a card on file for auto payments that didn't have enough funds to process it. Automatically 7 days after the transaction, the bank decided to close my account which now is affecting my credit score and history. I think this is very unfair and I would like to be able to fix it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX has posted on my credit report that I was past due prior to them transferring the loan and servicing to XXXX. In fact though, I was still on automatic payments when that transferred occurred and XXXX  XXXX XXXX even transferred my last payment, it may have even been final two payments, to XXXX so there was really no way I was late with XXXX  XXXX XXXX, it's just really logistically impossible to indicate that it was late.