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

I started calling to PNC Bank to obtain my pay off amount in XX/XX/XXXX9. My  payments were submitted by XXXX XXXX accelerated program and were always submitted on time. They deducted from my bank account every two weeks a set and consistently throughout the year Occasionally there would be an extra amount in which XXXX XXXX would submit to PNC as a principal payment and noted as such on the manual check and mailed to pnc for posting. PNC applied most payments correctly but I did find a few that were not applied correctly and interest deducted from those payments. I started my inquiry when I requested my payoff amount. I never received monthly ststements from PNC to show payment activity. When I looked over my history in XX/XX/XXXX I noticed some payments were not applied correctly. I called and requested PNC to review my loan starting from inception date in XX/XX/XXXX. PNC acknowledged error and corrected two of the payments in which this lowered my payoff amount. I called back to pnc to let them know there was still two payments to be corrected. I wanted tbe correct payoff amount before paying off my auto. PNC NEVER CALLED BACK. I was always the initiator for the status of inquiry. This started in XX/XX/XXXX and XX/XX/XXXX still reviewing case open. In XX/XX/XXXX i called again to convey my frustration. I was told on XX/XX/XXXX there was a decision and they would not consider XX/XX/XXXX and XX/XX/XXXX to be posted correctly and recalculate interest as they were too old. But they did reapply another XX/XX/XXXX principal only payment. This was clearly their error and did not post payments correctly therefore I overpaid on my loan. I did payoff loan in november so i did not accrue further daily interest. This loan was paid off approximately one year early with never a late payment. I just want to pay the correct payoff amount with the correct interest applied. If they do this to other people and their defense is that it is up to the consumer to track their payments but they do not hold themselves responsible as to have quality employees to apply payments correctly. They add re making money off this process. My final complaint was if they can not calculate back to those two payments then figure a fair amount that would be refunded to me. They closed complaint and stated they could not help me. This took 4 months to let me know they could not do anything about it. Then their employee that was working on my file lied about calling me back and stating phone number was not good or could not leave voicemail. I just want want is due back to me and to pay correct amount on my loan. I still do not have an official response in writing from PNC and never received verbal response without me initiating the call. Very poor customer service. What other options do I have to receive my refund?
Product: Vehicle loan or lease

The company put a hard inquiry on my credit and is trying to deny me credit based off of my credit history. 

The customer service rep stated that it was because of me owing child support. 

Call made XX/XX/2023 @ XXXX XXXX
Product: Money transfer, virtual currency, or money service

I bought one XXXX XXXX  from one seller on PayPal on XXXX XXXX for {$530.00}, however when I received the package today, its a very small parcel ( weights XXXX grams ) and is totally different from what I paid for. 
Then I opened a dispute on PayPal and submitted a very clear chain of evidence ( please refer to the attachment ). A few days later, PayPal asked me to provide report from the local government agency, and I contacted with all local relevant agency or organzation, they can't support issuing relevant materials according to PayPal requirements, as they said they were not present when I received the package and this does not comply with regulations, so they can not prove it for me. 
I explained these situations to PayPal and emphasized again that it can be confirmed from both the delivery waybill with the local post office stamp ( indicating that it is the original one ) and the online logistics query website that the package, which was supposed to be a jacket, only weighs XXXX grams. 
But PayPal totally ignored these objective evidence and deny my refund request simply because I did not submit the materials as they requested So I want to make a complaint. Despite providing a clear and complete chain of evidence, PayPal ignored this evidence and helped the seller commit fraud, causing me a loss of {$530.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The student loan servicer, XXXX XXXX, was not willing to work with me. I would state that I was making {$420.00} a month due to just recently graduating from my certification program and still looking for a job within my field. I would state countless times throughout the summer of XXXX  the status of my employment and interview processes that I was going through and would receive conflicting reassurance because with every call I had to restate the entire update because they never updated or left notes on my account. I would state I can pay this amount and respond with you're not willing to pay and hang up on me countless times. After finally getting a decent paying job I told them this is how much I can afford to pay you guys and they said yes and next thing you know they dont my report and co signers reports.
Product: Bank account or service

A vendor erroneously accessed my bank business account, which caused my account to overdraft. Bank charged me with an initial overdraft fee of {$36.00} and subsequently charged an {$8.00} overdraft fee every day, which continues to this date. Called bank and was advised that once funds were returned they would address issue. Went in person to bank and was told I would still be liable for overdraft fees - How could this be so I did n't cause it to overdraft My XXXX questions are how could I be liable for any over draft fee if someone overdrafts my account, admits they should n't have and rerurns funds that caused the overdraft, and secondly - can a bank charge an overdraft fee EVERY SINGLE DAY your account is overdrawn??? that is preposterous
Product: Credit reporting or other personal consumer reports

XXXX XXXX Social Security XXXX, Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  inquiry date XX/XX/XXXXXXXX XXXX XXXX inquiry date XXXX XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX inquiry date XX/XX/XXXX, XXXXseveral inquiry date XX/XX/XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX. XXXX XXXX XXXX collection  # XXXX XXXX XXXX collection  # XXXX fraudulent collections appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or negative accounts listed above. The aforementioned accounts, collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX as proof from the US  Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries listed are unauthorized inquiries that I have no knowledge of. I have called each company and the credit bureaus for help with this matter, to no avail. I believe these inquiries and misinformation is affecting my credit score and it is affecting my ability to obtain credit with other companies. I would like these inquiries removed from my report. 
XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Several account balances are incorrect. Two accounts are paid in full. This shows my credit utilization as significantly higher 60 % vs actual 46 %. Ive tried contacting them online and by phone and there is no one to speak with. Accounts have reported to all three credit rating services. Current balance. Only XXXX  has updated the credit information.
Product: Credit card or prepaid card

I tried applying for a credit card On XXXX and XXXX of XX/XX/2020 in Citibank and XXXX XXXX and got denied yet I dont have any debt or a bad credit history. In fact this is my first time applying for a credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX La XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 a account without my written instructions
Product: Debt collection

collection was removed from XXXX and not XXXX and XXXX. I am requesting this collection be removed.
Product: Money transfer, virtual currency, or money service

XXXX  denied my dispute, allowing a seller to keep my money without receiving any services from them. I asked the seller for a refund and they told me they would give me one. The app had a technical issue and wouldnt allow the seller to refund me. They reopened my dispute and denied my refund. They allow sellers to take and keep money from them without receiving any services. I need that money to spend on an unexpected emergency situation. I am a low income individual. That money should be refunded to me.
Product: Debt collection

An account was opened in my name with XXXX XXXX that I did not do! Ive disputed this several Times with no luck. Now its in with a collection agency. I want this removed cause its not mine. Please help me XXXX XXXX XXXX {$4500.00} Dates from 2015
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted disputes to Equifax XX/XX/XXXX and XX/XX/XXXX with no response. They have violated FCRA regulations and are obligated to remove the items below from my credit report : ACCOUNTS XXXX XXXX XXXX XXXXXXXX not mine XXXX   XXXX XXXXXXXX not mine INQUIRIES XXXX  XXXX   XX/XX/XXXX unauthorized XXXX XXXX XXXX  I XX/XX/XXXX unauthorized XXXX  XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXXXXXX not mine XXXXXXXX not mine XXXX XXXX XXXX XXXXXXXX not mine XXXX   XXXX XXXXXXXX not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

account XXXX XXXX XXXX XXXX card PAID in FULL credit bureaus stopped reporting it as a paid account and deleted it off my credit reports. This account needs to be reporting on my credit report! I have sent certified letters and complaints and i believe to be getting discriminated against since i have ignored and shoved to the side. This account needs to be REPORTED!
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of everything mentioned in the resolution section of this complaint. 
These accounts have resulted in several fraudulent hard Inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint in previous complaints as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

What would be a fair resolution to this issue ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you block/REMOVE all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving this complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address associated with this complaint. 

Since it was stated the account was " verified, '' in previous complaints.I will like to know the Method of Verification ' and exercise my rights under FCRA 611 ( 15 U.S.C. 16811 ) which forces you to reinvestigate the items in the initial CFPB complaint and either verify the SOURCE of information used in order to retumn a " verified '' response to the initial CFPB complaint or delete all contested items in the initial CFPB complaint/FTC report .
Product: Debt collection

I would like to formally file a complaint against Capital One, XXXX, XXXX and XXXX. Since XX/XX/XXXX I have sent several requests to Capital One directly and all 3 credit bureaus on the following dates : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX, which I have certified mail receipts for formally disputing and requesting validation of debt/accuracy of the information they are reporting. For months, Capital One repeatedly sent notices advising " in order to research your request, please send information ''. Information they should already have due to the fact they are reporting to the bureaus that I owe this debt. Requests for last four digits of account number, full ssn number ( which I always provided with each attempt ) Capital One would continue to send notices stating they could find no fraudulent activity associated with my ssn and the account number I was providing. Again, they still have not validated debt/provided an original contract bearing my signature. So finally frustrated with Capital One, I try to dispute with the credit bureaus to see if they could get debt validation. They too would always send updated credit reports stating the debt has been verified and updated on my credit file. I formally requested from Credit Bureaus how they are verifying this debt, if the original creditor can not provide validation of debt. Their response is always verified and updated. It has now been 12 months of back and forth with Capital One and The Credit Bureaus. Violation of defamation has definitely taken place. I would like this debt removed from my credit reports with all three bureaus, as this has caused so much financial stress and hassle on my behalf.
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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX, DEPT OF ED/XXXX  : # XXXX, DEPT OF ED/XXXX  : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXXXXXX XXXX ACCOUNT XXXX # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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: Vehicle loan or lease

XX/XX/2021 vehicle gets repossessed at XXXX No prior notice was given, no one was able to tell us where the vehicle was taken to or let us remove our personal items from the vehicle Called SETF to find out what has happened, was told vehicle was repossessed after 84 days past due balance. 


Asked Toyota why no one had contacted readinf past due balance, was told there was a do not contact on my Account and my personal phone numbers were removed without my permission or knowledge. 

I have been making payments towards my loan, weekly {$500.00} and Toyota has only processed some of them. Claim they did not receive the remaining. 

I had to XXXX XXXX  Toyota almost {$4000.00} to get vehice back. 

This situation has caused me issues in my work day, XXXX XXXX, and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

According to15 U.S. Code 1681c-2. This is my statement that the listed inquiries and personal information that is on this FTC report and on the letter enclosed with it have been reported without my permission or written consent and therefore is a result of identity theft and must be removed. They are not related to any transactions made by me the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several things that are reporting on my credit file that do not belong to me. The following items are reporting on my credit as a result of identity theft. Please assist me in getting the following items removed from my credit file : 1. XXXX XXXX XXXX 2. Unknown Incorrect Addresses : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Incorrect Names : XXXX, XXXX Status Incorrect : I was never late on the XXXX XXXX Credit Card.
Product: Mortgage

I have been having problems obtaining my corrected and updated audit request from XX/XX/XXXX. Steps taken were requesting an in person meeting, appearing to the in person meeting and following up on my request in XXXX. 
I was told that my audit was completed and mailed XX/XX/XXXX. It is now XX/XX/XXXX and I have yet to receive. 

I would like to know all history disbursements and their paid dates, assessments, fees, monthly payment amounts for all audit years, payoff date and payoff balance.
Product: Credit reporting or other personal consumer reports

Why did my XXXX credit rating decrease by XXXX points. My auto loan with Wells Fargo was completely paid off in XXXX. I have no other loan defaults. My ratings dropped in XXXX. This is illegal.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB highlighting significant issues with the platform.Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovery lost funds was impossible and tracking the transactions were infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams
Product: Credit reporting or other personal consumer reports

I reported identity theft to XXXX XXXX XXXX XXXX at the height of the XXXX XXXX due to someone using my debit card to make a purchase of gas in Kentucky. The fraud monitoring representative took my report, but possibly did not do any state or federal regulatory reporting causing me to experience fraud and eventually job loss. I contacting the bank on multiple occasions both via the phone, online, and in person at the branch to file multiple reports and requested financial hardships on multiple occasions. the bank representatives that I spoke with did not follow through and mail me the financial hardship request multiple times causing a delay with my ability to reconcile my credit card and personal loan accounts. The bank reported me to the credit bureau for nonpayment causing my credit score to drop and did not acknowledge their own staffing and operational issues. They then engaged in unfair collections practices which again negatively affected my financial reputation. I was a customer for more than 25 years and they had multiple issues with their operational issues due to possibly not providing any oversight to their staff.
Product: Debt collection

I had a vacuum cleaner company that came to my house and have me buy a vacuum cleaner, I hesitated, but they insisted I should use the vacuum cleaner and send payment to them, I had been paying them, and then I lost my job, and also seen that they vacuum cleaner was over prized, but I still paid them until I could not pay them any more because the vacuums cleaner price keep going up. And after sometime I was sued and taken to court by a certain company I did not know was not the vacuum cleaning company I used to make payments to too, and a judgement was entered in thousands of dollars. I tried to explain that the vacuum does not cost that much and that I have been making my payments but to no avail, now I can not not refinance my home, and my credit is ruined, I have a XXXX year old mother and I can not take care of her because I can not take out money from my house to help her.