23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Debt collection is being reported on my credit report on all XXXX reporting agencies which is causing my beacon score to go down far enough that it went from good to fair.It shows up as collection account in the amount of {$740.00} dollars from The XXXX XXXX of XXXX says since XXXX till XXXX it is owed.From my understanding on XXXX XXXX CFPB past a rule that prohibits medical debt from appearing on credit reporting.So the collection agency is breaking the rule.So I would like to see if yall can possibly remove that collection account from all three of the credit reporting agencies which is causing my beacon score to drop substantially.Contact info for collections agency are as XXXX, address is XXXX XXXX XXXX XXXX XXXX Fl XXXX.
Product: Debt collection

I'm seeking validation of this debt that is said to be owed, I have not opened such account with Credit Management LP. 
I've reached out to XXXX, XXXX and XXXX multiple times and this such debt has not been validated.
Product: Credit card

PNC BANK Credit Card- I identified XXXX fraudulent transaction took place on XXXX PNC cancel the card- I had auto debit but because of cancelation they never auto debited my account and got late and interest charge- I call them back on XX/XX/year> ( XXXX & XXXX ) they stated they refund all these fees once the resolve the case. As of that day they didn't resolved it yet. So, paid all the balance but the dispute amount ( XXXX ). However i got late fees and interest charge again due to having those balance ( XXXX ). I called PNC BANK credit department and they state they can only refund the interest change on disputed amount. When they haven't instructed their customer the auto debit payment option when you file dispute. also last XXXX transaction would took place if they have completed the investigation on time and notified me. They never notified me until I called back for XXXX late fee and interest charge. I believe this another way of recovering the loss revenue. I am sure I am not the only person who is victimized by this of operation. They never communicate with their borrower and provide clearer guide line.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to speak to a XXXX credit card representative about my suppose late payment showing up on my Credit Report and causing my score to drop! They did not want to listen to me and just ended the call, they offered no help and I was truly disappointed, I tried to resolve it with them on XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of a late payment on my XXXX credit card account, ending in XXXX which has been inaccurately recorded on my credit report on XX/XX/2023. Upon review of my account statements and payment history, XXXX Credit Card Agreement, and Consumer Law 15 U.S. Code 1666 I have identified an error that needs to be corrected promptly. 

Federal law mandates that late payments can not be reported to the XXXX main credit bureaus until they are at least 30 days past due. My records indicate that the payment in question was not 30 days past the due date. Additionally, I did not incur any late fees or returned payment fees for this billing cycle, further supporting that my payment was within the acceptable timeframe. 

According to the XXXX Credit Card Agreement, specifically under Section XXXX titled " Penalty Fees, '' a late payment fee is only applicable if the Minimum Payment Due is not received by the Payment Due Date. As per my account, the Minimum Payment Due was satisfied within the required period, negating any grounds for late payment reporting. 

Given these facts, I am requesting that XXXX immediately investigate and correct this erroneous late payment record with the credit bureaus. A timely resolution is crucial, as this incorrect reporting adversely affects my credit score, which is critical during my ongoing process of purchasing a home. 

Please confirm receipt of this dispute and provide a written acknowledgment that the error will be corrected. Should you need any additional information or documentation, please contact me at your earliest convenience. I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

XXXX account was open in XX/XX/XXXX and on XX/XX/XXXX the account was closed because XXXX says they were unable to verify personal information and they closed the account. I was telling them all alone this wasn't my account. this item is still on all XXXX of my credit report saying I owe XXXX dollars and its continuing to increase each month divesting my credit. It has hindered my from refinancing thus has cause financial trauma to me and my family. I have made over 10 plus attempts to the 3 credit bureaus and XXXX XXXX them self with no resolved solution.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, Equifax, and XXXX do have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services
Product: Debt collection

XXXX ACCT XXXX. I spoke with XXXX and she said items were mailed to XXXX XXXX. I have never lived there. The company refuses to remove the charges in excess of {$1200.00} from my report. The charge is fraudulent.
Product: Credit card or prepaid card

In XX/XX/2023, I used a PNC credit card convenience check that had a promo rate of 0 % interest until XX/XX/XXXX, XXXX amount was {$980.00} and fee was 4 %. 

I used the card for other monthly purchases. 

To avoid interest charges, I made payments such that all of the monthly purchases were paid off and a portion of the convenience check was paid. 

The payment I made significantly exceeded the minimum payment and covered all of the monthly purchases. 

PNC used the payment to firstly pay the convenience check amount and secondly the monthly purchases which resulted in me being charged interest on the purchases. 

I called and spoke with a customer representative who seemed to understand but told me he would have a manager call me. 

When I spoke with the manager, she explained that the payment was applied first to the lowest interest rate and refused to see my perspective or address my concerns. 

The convenience check states that any amounts you pay in excess of your minimum payment due will be allocated to balances with higher APRs before balances with lower APRs. 

I want the convenience check fee to be returned because I was prevented from using the promo rate and period. I want the interest charges to be refunded because the payments were not allocated as described on the terms of the convenience check. 

I think that the customer service staff and managers needs training and the right tools to resolve issues according to their own stated policies. 

If PNC is going to apply other rules than the ones stated on the convenience check, their explanations need to make this very clear.
Product: Student loan

I was told to break my complaint down into several parts since it involved multiple companies this section will feature Nelnet. 

I think it was XXXX I started getting XXXX from Nelnet. 

Nelnet was giving me stuff about my Federal Student Loans at the same time as Performant Recovery. I went to US Senator Warren and said what the XXXX? 

The account number Nelnet gave me does not match the account number XXXX gave me, the amount XXXX gave me does not match the amount Nelnet gave me. XXXX to XXXX I have about XXXX social security checks garnished none of which was reported to anybody. 

My phone used to ring off the fin hook from one machine calling my house to another one calling my house. 

After talking to the US Senator Warrem my check stop getting garnished. 

XXXX might have lost his job in XXXX of XXXX shortly after that however Nelnet said we are going to garnish your check this that and the other thing. 

Nelnet refused to give me a wage garnishment hearing. They said so in a letter dated XX/XX/XXXX Nelnet did not tell me about all of my legal options such as income based repayment, heavens to beltatross imagine if they did Im {$20000.00} under the discretionary income line for my state I would be ordered to pay monthly payments of XXXX dollars but the problem comes in companies like Nelnet dont make any money that way. 

I was going through XXXX in XXXX, I did not know if I could make it to US Senator Warren office, my doctors told me to avoid large groups of people. I didnt know how I could avoid that in XXXX, so I went to US Representative Tsongus office in XXXX, In XXXX of XXXX Nelnet sent me a letter they said I had 60 days from the date on that letter to comply. I set up a doctors appointment for XX/XX/XXXX which is about 1 week before the 60 day marker. 

In XX/XX/XXXX the US Dept of Edcuation garnished my social security check, what the XXXX they were not supposed to garnish my check until XXXX according to their own letters. 

They also garnished my check for XX/XX/XXXX, but did not for XXXX of XXXX. 

side note : I have more material to upload than your servers can handle on this matter my total amount of material easily exceeds 20 MB limit you have.
Product: Debt collection

From XXXX of XXXX to XX/XX/XXXX, I rented one unit of a duplex from XXXX XXXX XXXX. The company only had one maintenance man for many many units, so as we lived in this place of residence, wear and tear ( average, nothing out of the ordinary ) occurred and hardly was ever repaired. I told the manager about every single issue with the residence, as she was requiring me to sign a new lease and pay a higher monthly amount which I did not agree with unless these issues were taken care of. She gave me a notice to vacate, and agreed through an email that she would not sue me if we were out of the residence by XX/XX/XXXX. We were out and left the keys there for her, then notified her we had vacated and cleaned up. About 6-8 months later I see approximately {$2600.00} added to my collections balance on my credit report. She had apparently sued me, failed to notify me of any lawsuit ( which she ASSURED me wasn't going to be filed ), and claims that I owe her for XXXX  in damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was put into a car loan that I never sign. I have evidence that the manager of the car dealership had someone sign the papers in my name my husband got a loan with the company name credit acceptance but not me and some how my name was put into the paperwork. I need this of my credit report sign I never agree or sign for this loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX {$11000.00}
Product: Money transfer, virtual currency, or money service

I was trying to get my money out of Coinbase Wallet. I transferred to XXXX XXXX as I was not having any luck getting it out of Coinbase. I received a phone call stating they were from the company and going to help me. He sent me a form, I mistakenly filled it out and they stole over XXXX. I filed a police report, Ive been in contact with a secret service agent, but no updates or contact. 

I work for a bank. If they got me, they getting dozens of people daily. Any help is appreciated The date was back in XXXX of 2022.
Product: Debt collection

Me and my attorney filed and sent proper paperwork to AD ASTRA debt buyer for Speedy Cash disputing amount owed and requested proof. AD ASTRA could not present any valid documents and removed all inaccurate information from all credit bureaus in 2019. After that was resolved XXXX XXXX XXXX XXXX another debt buyer for Speedy Cash bought the same inaccurate debt as new debt and I am now filing the same paperwork on them with you and credit bureaus. I think this is deceptive collection tactics. Please refer to CFPB complaint # XXXX. 

This is a type of ongoing harassment I can not explain but needs to be looked into further and I may get an experienced attorney/investigator and file complaints with every credit agency I need to. 

I am attaching some online community forums where it shows speedy cash, ad Astra and XXXX are working together using these deceptive debt collection techniques to harm peoples credit. They may even be working with the credit bureaus.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Apt XXXX XXXX XXXX, Nc XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Va XXXX Subject : Dispute of Incorrect Information on My Credit Report Dear XXXX XXXX XXXX, Im writing to dispute incorrect information on my credit report. Specifically : Account XXXX : XXXX XXXX it could be found using my birthday XXXX XXXX. I am requesting a XXXX form in accordance with the charge-off you have on file for me.
Product: Money transfer, virtual currency, or money service

Inam writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous of times and reporting discrepancies, my financial institution & Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. They informed me CFPBs findings indicate that Zelle not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about the safety of the consumer safety.
Product: Vehicle loan or lease

I visited this dealership to try to obtain a vehicle, but after doing my loan application, it was denied because of my credit
Product: Mortgage

I opened the loan with Homepointe financial just under two years ago and my payment has gone up twice and I have not been able to get an explanation that makes sense and when asking to speak to supervisor theres never one available they Ive left three voicemails with three so called supervisors to no avail. Ive never missed a payment and I have a XXXX fica score theres no good reason for these increases if there is no one has offered to share it with me.
Product: Student loan

We made a large extra payment to paydown the loan, it was not posted when it should have been ( they acknowledgde issues with their processing ). It was posted ( finally ) 18 days after it should have been. They said they would have credit us the accrued interested related to the late posting by early last week, but have not done so yet.
Product: Debt collection

Credit bureau posted a debt in the amount of {$1300.00} with XXXX XXXX. It was determined that this debt was paid in full by the health insurance company. The debt was then deleted from my credit report XX/XX/XXXX. XX/XX/XXXX another credit bureau bought the debt and sent another notice to pay. After a conversation with the new collection agency i was asked to provide proof that this debt was paid by the insurance company. I faxed this information over to the collection agency. They failed to resolve this issue in full causing me to miss loan opportunities. This is against the fair debt act reporting laws. Please resolve this issue and provide me with the necessary information needed to remove this from my credit report.
Product: Checking or savings account

My debit card was fraudulently used 7 times on XX/XX/XXXX. I did not make or authorize these charges. The bank informed me that they had just sent out a replacement debit card the week prior ( XX/XX/XXXX to be exact ) but I never received it. The bank also confirmed that this card had never been activated. I also filed a report with my local police department. Dates, merchant and amounts are below : I also filed a claim with Regions and the claim numbers are XXXX and XXXX XXXX XXXX 's {$200.00} XX/XX/year> XXXX XXXX {$210.00} XX/XX/year> XXXX XXXX XXXX {$540.00} XX/XX/year> XXXX XXXX XXXX {$430.00} XX/XX/year> XXXX XXXX XXXX {$550.00} XX/XX/year> XXXX XXXX {$22.00} XX/XX/year> XXXX XXXX XXXX  {$14.00} XX/XX/year>
Product: Checking or savings account

XX/XX/21 Wells Fargo allowed a fraudulent Checking and Savings account to be opened online, with my name and SS # and address... the Driver License # was wrong and the issue/expire dates were left blank ... no other info except an email and phone # that was not mine. 
XX/XX/21 I received paperwork welcoming me for opening accounts with Wells Fargo ( I have never had an acct with them ). Same day I go into bank to inform them of the fraud, the bank employee told me on XX/XX/21 two Pennsylvania Unemployment Checks were deposited and immediately withdrawn ( names on checks XXXX XXXX and XXXX XXXX ). Both accounts having a current XXXX balance. I had all my ID proof, DL, SS card, Passport, Birth Cert. ( they only looked at DL ) I asked that they close the accounts. They said they don't do that, it must go through fraud dept then put me on the phone with a guy in the fraud dept. He said he 'froze ' the accts, nothing will be able to go in or out. I asked that he close the accts, he said not until their research is done. 
XX/XX/21 I received a document stating the 'Complaint Resolution ' which states the accounts are STILL open. I ended up putting a credit freeze with all 3 bureaus.
Product: Mortgage

This is a call for help from XXXX XXXX US Veterans who were scammed by XXXX banks : SunTrust and XXXX XXXX. 
XX/XX/XXXX we closed on an {$800000.00} thirty year home loan at 5.8 % interest only for ten years. Monthly payments $ XXXXDuring year eight we called SunTrust to explore what alternatives we might expect to have at the end of year ten. We had a perfect payment history on this loan. We wanted to talk about converting our loan to a principle and interest loan through a simple modification or refinance at this time since mortgage rates were at historically low. 
We were advised by SunTrust that they want to help us but could not talk to us about a loan modification unless we were delinquent and the loan was in default. 
The SunTrust agents advised us multiple times to stop making payments so they could help us. We finally relinquished and SunTrust put us in their Loan Modification ProgramThus began a fourteen month nightmare of delays, harassment, lies and deceit. What a joke. Files could get frequently misplaced or 'lost ' many times. This eventually led to a 'modification ' in name only. It added {$75000.00} to principle plus an increase to monthly payments. Sort of an " extend and pretend '' program designed to move the homeowner toward foreclosure. They also ruined our credit. 
Lastly, we were threatened with foreclosure if we did not accept the modification. 
Monthly Interest Payments now are $ XXXXSurprise, XXXX XXXX appears as owner disclosed for the first time in the new documents. Though SunTrust said XXXX XXXX called all the shots, we were forbidden to contact XXXX XXXX about the new loan. 
Not wanting to lose our home, we were forced into the " modification '' agreement. We feel we were purposely led astray by both XXXX XXXX and SunTrust to gain control of our home by nefarious means. 
SunTrust has informed us that our new " Modified '' Home loan will go up to {$8800.00} a month XX/XX/XXXX. 
Thanks to the way we were misled into a " loan modification '' by SunTrust and XXXX XXXX it has damaged our credit and put us in a position where it is difficult and or impossible for us to qualify for loan with a new lender. 
We have tried for a VA refinance loan but were told due to the " Modification Loan " and our lower credit numbers brought on by the non- payments on our old mortgage we are ineligible for a loan. 
We are requesting that the loan be rolled back to its original terms ( balance, etc. ) and our credit derogatory comments be removed. 
We are happy to consider some modification program that they have as long as it is fair and clear. We have heard XXXX XXXX has a program as low as 3 %. We will then be able to afford and stay in our home. 
This will provide XXXX XXXX with borrowers with a long history of on time mortgage payments.
Product: Credit reporting or other personal consumer reports

The company negligently mishandled my accounts and personally mistreated me for years. They then retaliated against me and closed my accounts after reporting them to the CFPB. They were told to STOP sending me solicitations or communications of any kind. The company has seemingly decided to sign me up for credit monitoring communications without my consent. I received a " XXXX '' communication on XX/XX/year> without any consent to receive such information from the company.