23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

After completing my XXXX degree from XXXX XXXX in 2020, I elected to refinance my student loans the following year in XXXX  2021. The loan consolidation process was completed by XXXX, the data furnisher and federal student loan servicer assigned to my manage my loan accounts. After completing the consolidation process with the Dept of Education, I received multiple letters from XXXX confirming the completion of my student loan consolidation totaling the lump sum of {$210000.00}. 
Following the completion of the consolidation loan, XXXX began reporting the {$210000.00} consolidation loan as XXXX separate loan accounts on my consumer credit profile, XXXX loan in the amount of {$30000.00} representing the subsidized portion of the debt and a second loan in the amount of {$180000.00} representing the unsubsidized portion of debt. From the loan origination date in XXXX  2021 to XXXX  2023 ( 17 months ), XXXX was reporting my student loan debt of {$210000.00} as XXXX separate loans. 

However in XXXX  2023, XXXX discontinued reporting the debt as XXXX loans as indicated above and began reporting the debt as XXXX loan. XXXX executed this reporting change by deleting all records of the {$180000.00} loan from my consumer credit reports and subsequently reported the deleted loan as a balance increase of the {$30000.00} subsidized loan account. Despite having the knowledge that the loan had an established XXXX account history by XXXX  2023, XXXX made no effort to address the reporting inaccuracies inherent to the reporting change. XXXX knowingly implemented changes to the reporting of my student loans that created material inaccuracies to my credit profile. As of the date of this complaint, there is no record of my student my {$180000.00} loan debt from XXXX  2021 XXXX  2023. From a risk perspective, reporting my student loan debt as a {$30000.00} installment loan established in XXXX  2021XX/XX/XXXX that increased to {$210000.00} in XXXX  2023 in not only falsely representing the loan history, but it also inaccurately presents me as a higher risk consumer, falsely representing that I have incurred significant new debt in the past XXXX  months. As a consumer, I have a right to dispute incomplete and inaccurate information on my credit reports and yet, when I disputed these obvious inaccuracies, XXXX and the CRAs failed to act as required by law. 

It is my hope that filing this complaint will result in swift resolution of this matter by a complete updating of my student loan account. Thank you for your prompt attention to this matter to ensure that my credit profile is accurate.
Product: Debt collection

I am writing to formally lodge a complaint against Rausch Sturm LLP and their client, XXXX, due to their failure to adhere to standard practices in providing monthly statements, payment receipts, and timely updates to credit bureaus regarding a business debt that I should not have provided a personal guarantee. 

Despite my consistent efforts to stay informed about my debt and make timely payments, Rausch Sturm LLP and XXXX have not provided me with the necessary monthly statements. This lack of communication has made it extremely challenging for me to keep track of my payments and outstanding balance. Since XXXX, I have only received one monthly statement, XX/XX/XXXX, when several notices were sent to XXXX credit bureau due to inaccurate information on my credit report. 

Additionally, I have repeatedly requested payment receipts for the payments I have made. However, these requests have been ignored, leaving me without proper documentation of my payments. This lack of transparency is unacceptable and has caused significant stress and confusion. It is believed that Rausch Sturm, and their client, XXXX XXXX, has processed payments but not credited the appropriate account. 

Furthermore, Rausch Sturm LLP and XXXX have failed to update the status of my debt with the credit bureaus in a timely fashion. As a result, my credit report does not accurately reflect my current debt status, which has negatively impacted my credit score and financial standing. My credit report also does not indicate that this was a business debt with a personal guarantee. 

I have attempted to resolve these issues directly with Rausch Sturm LLP and XXXX to no avail. Therefore, I am seeking your assistance in addressing these concerns and ensuring that Rausch Sturm LLP and XXXX comply with the necessary regulations and provide the required documentation and updates. 

I appreciate your attention to this matter and look forward to a prompt resolution.
Product: Mortgage

Applied for a modification when my husband passed away and I was the only income. They sent me the package which I completed sending all requested documents/tax returns/death certificate-notarizefterd. SS statement of benefits/XXXX years of bank records/copies of all my monthly expenses. All this was faxed at my expense. Then the calls/e-mails started ... ..they needed this they needed that. I sent it all I told them.Well we are missing documents. Sent what they requested again.Faxed. to them. Still missing documents.. Supposedly they assign an account manager to your case but you never get to speak to that person.Anyone answering the phone can help they say. After almost a year I get a letter saying I was denied the modification because of missing documents. I stopped paying my mortgage and told then they can foreclose which will take about two years. When we go to court I will show how they try to " help '' their customers especially seniors. As of now I am only XXXX payments in arrears
Product: Credit card or prepaid card

Bank of America card was lost then used by someone else to make several purchases. I disputed the charges and then Bank of America did an investigation. They found I was still responsible for the charges even though I did not make the charges. The charges were fraudulent. I was not the person who used the card. The refused my claim and said the charges were valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/XXXX, XXXX and XX/XX/XXXX ), I asked you to investigate items that I believed were reporting not 100 percent accurate. Because putting inaccurate information on my credit report could cost me higher investment rates and I have enough expenses as it is. As of now, I have no notice from you all stating that the accounts are in investigation. The furnishers will not respond to my repeated attempts for validation. In my previous letter, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 

In accordance with the Fair Credit Reporting Act. The List of accounts be low has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
Account Name : XXXX Account # XXXX 15 USC 1681 Section 602 A : States I have a right to privacy.

15 USC 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other that records of convictions of crimes which antedate the report more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer. In accordance with the Fair Credit Reporting Act. The List of Accounts below has violated 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: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2300.00}, {$15000.00}, {$0.00}, {$0.00}, {$1900.00}, {$5200.00}, {$5200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 



-- COLLECTION ACCOUNTS 6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I hope this letter finds you doing well.      XXXX  is incorrectly reporting  XXXX  late payments across  XXXX  student loans to the credit reporting agencies, such as  XXXX  Experian, and  XXXX . During the months of  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX , and  XXXX  of  2014 ,  XXXX  is reporting to credit reporting agencies such as  XXXX , Experian, and  XXXX , that I was late on each of my  XXXX  student loans in question.  <P/> In  2014    I was supposed to be in forbearance for temporary financial hardship. As seen by the attached document,  XXXX  granted me a retroactive forbearance in  2014  that lasted from  XXXX   2014  to the end of  XXXX   2014 .  <P/> Thus,  XXXX  is aware that I was supposed to be in forbearance, they approved said forbearance way back in  2014 , and  XXXX  has internally adjusted their records to demonstrate that I was, indeed, in forbearance from  XXXX   2014    to the end of  XXXX   2014 .  <P/> However, despite my numerous efforts to get  XXXX  to update the credit reporting agencies to remove these late payments because I was in forbearance,  XXXX  continues to refuse to updated the credit reporting agencies if these inaccurate late payments.  <P/> I have called  XXXX  to dispute these late payments, and I have supplied  XXXX  in writing that these late payments need to be removed because I was in forbearance. In addition, I have supplied  XXXX  with the FTC  Advisory Opinion  that asserts that student loan accounts need to accurately reflect current information.  <P/> Here is a copy of that  Advisory Opinion  :    XXXX   XXXX   XXXX   XXXX    XXXX  continues to report these inaccurate late payments and they continue to damage my credit by not updating the credit reporting agencies that these late payments should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

53 Bank filed a late payment on my credit reports by mistake. In XX/XX/2023, My wife called to make a payment with the bank ( our truck loan ) as usual and was told she was good to go. In XXXX, 2023 we received a call about a late payment from the bank. We told them she made the payment and the bank reviewed the account and confirmed whoever took that payment input the wrong account information. We were told by a representative the payment was going to be pushed to the end of the loan and no other action needed to be taken and we were good. Early XXXX I started getting calls again about a late payment and I requested to speak to a XXXX for clarification. They submitted what they call a " call review '' which they pull the recorded conversation and confirm what the issue was. Today, XX/XX/2023, I was told by one of the representatives they will not fix the late payment on my credit but I can certainly apply for a hardship to get the payment pushed to the end of the loan but will affect my credit. I mentioned to the representative this was an error on their end and because the first representative didn't take the right steps to notify us about the issue initially they put the incorrect account info now we are stuck with a late payment on my credit. She mentioned the only thing I can do at this time is file at complaint with the FTC and hope for the best.
Product: Student loan

MOHELA is forcing me to recertify my income for the new SAVE plan before I am required to. I was on the Repaye prior to the Covid pause and now have been automatically placed on the SAVE plan. However, my payment increased by over {$600.00} when I was switched to the SAVE plan. When I called MOHELA to inquire as to how this could be I was told it was because I needed to recertify my income. I advised the rep that I was not required to recertify until 6 months after payments resume at the earliest according to the Education department. The rep then said that I actually didn't need to recertify until XXXX of 2024 according to her records but in order to change my payment amount I would need to recertify now. This is deceptive and a violation of what the regulation states. This practice will hurt millions of people, including myself, that will have an increase in their monthly payments after a recertification because of an increase in income during the past few years. Forcing us to recertify earlier than required by law will accelerate the date that we have to pay the higher payments and totally disregardsour financial planning efforts.
Product: Checking or savings account

I am asking for the interest that is owed to me for XXXX XXXX and XXXX. I was in an elite money market acct and US BANK decided to reduce my interest rate from 4.25 % down to 1 %. Which I know its a variable rate based on other factors primarily based off the prime. 
Us bank stated the new rates are only for new customers and they can change at any point. The misconception here is when people invest in money markets we all know they are variable rates and will change over time and the anticipation is, if fed drops the prime my XXXX % will drop as well. If the Fed drops the rate XXXX point as it did XXXX my expectations would be my XXXX rate will probably decrease at least XXXX point. US bank decreased my interest rate to 1 % when it was at 4.25 % a day earlier. US BANK is deceiving their customers. When I look online as of today the rate shows 3.25 % but per US BANK those are only for new customers that receive those rates. To me its a bait and switch. Which according to US BANK, THEY COULD CHANGE THE NEXT DAY TO 1 % or what ever they feel like per US bank manager. 
US BANK offered to switch my account to a savings acct to gain a better interest rate but stated they could do the same thing on changing the rate to whatever they want. I told them they were being deceptive in how they do business and told them I was reporting them. Even some of fine print on their website states how to maintain the current rate : How to maintain the rate : Deposit at least {$50000.00} within XXXX  days of account opening and maintain a minimum daily balance of at least {$50000.00} each day thereafter. If the account balance falls below {$50000.00} the standard interest rate will be applied until the account balance is at or above {$50000.00} again. All interest rates and APYs are determined at the banks discretion and are subject to change at any time, including after the account is opened, regardless of account balance. Fees will reduce your eligible balance, and deposits are needed to cover these fees to maintain the daily balance for this rate offer. I never moved any money out of this account and was well above the {$50000.00} minimum balance. Never have I had a bank do this before. When I spoke with them today with no recourse other than opening a new acct I asked to close my acct and went elsewhere. Not only is this whole situation deceptive and a bait and switch. They are only interested and trying to force people to open new accounts which only paid their pockets. Please help
Product: Debt collection

To whom it may concern, On XX/XX/XXXX, a complaint was filed with the courts of XXXX XXXX WV. to issue a judgment for a repossessed vehicle. On XX/XX/XXXX this complaint for judgement was entered/granted to the plaintiff, Autovest, LLC Assignee of XXXX XXXX XXXX  against me ( defendant in the matter ) in the sum of {$7400.00} with accrued interest of {$3900.00}, at a rate of 14.9 % interest per annum from the date of filing or relief and the costs herein expended. This case has not been settled nor pushed for relief until 10 years later when Autovest law office issued a " Writ of Execution '' on XX/XX/XXXX to seize my property via sheriff in attempt to satisfy the then amount balance of {$18000.00} that they say we owe, this " Pracipe For Execution '' or Writ was to be kept alive for 90 days. On XX/XX/XXXX the sheriff returned for comment on this that said, " Returned. No Property Found. '' Since then, no movement for relief has been sought by either party until XX/XX/XXXX when the Autovest 's attorney issued a " Suggestee Execution '' order to garnish my wages in the now amount due {$21000.00}. This recourse is unacceptable due to the statue of limitation being up on this matter of debt collection and any actions pursuant to. Do you have any suggestions on how I can remedy this predicament or how I may protect my wages from this illegal garnishment/action? Your assistance with this matter would be greatly appreciated! I can only imagine how many other consumers are faced with the same challenges as I am with this company. 

Thank you!
Product: Debt collection

The company who I received XXXX XXXX  from has gone bankrupt and does not exist anymore. There for all balances owed are null and void ; also TEK COLLECT INC can not collect a debt for a company that DOES NOT exist anymore.
Product: Checking or savings account

On XX/XX/XXXX I paid my XXXX, through the XXXX XXXX site where I have linked my B of A checking account and made several payments over the years. 
On XX/XX/XXXX The payment posted stating " insufficient funds '' although there were sufficient funds On XX/XX/XXXX I spoke with a representative asking what happened and they said a security alert was placed on the account, after they assumed fraudulent spending, and rejected the payment. 
XXXX XXXX tried XXXX more automatically to withdraw the funds at which time B of A rejected it XXXX more times. 

This has caused a loss of $ XXXX in credit, a decrease of my XXXX XXXX of XXXX and irreparable damage considering how easy it is to lose credit worthiness than it is to gain it back. 

This is my only CC and now I can't get new credit because the XXXX XXXX went below XXXX, personal loans or otherwise, and is severely damaging to my ability as a consumer who tries very hard to maintain a XXXX XXXX.
Product: Mortgage

On XX/XX/XXXX after completing the 3 month trial payment, forbearance plan, ( repayment plan ), I  received the loan modification agreement had excessive fees of over {$100000.00}. 
My regular principle balance was to go from {$96000.00} to {$160000.00} and my deferred principal balance was to go from {$96000.00} to {$140000.00}. I was to sign the agreement and have it back with in 3 days. I called my mortgage service provider on these excessive charges and was given an answer that my loan was figured out at 40 year payoff. I also brought up that it couldn't be correct since a balloon payment was expected in 18 years. I denied the modification, paid the arrears in full and mailed it XX/XX/2018. Received a letter from them on XXXX, dated XXXX, stating that all monies submitted were put in a forbearance suspense account and that {$250.00} of the remaining funds are applied toward the suspense ( partial payment-credit account ). I requested that any overage in payment are to go to my interest bearing principal.
Product: Bank account or service

PNC bank has assigned account management fees to the Virtual Wallet account products, but does not list these fees in either of the specific products Virtual Wallet account provides so that consumers can track their expenditures, interests, and fees from the bank. Notice of fees are absent from the products that are specifically supposed to provide this information including : 1 ) Calendar 2 ) Account Detail 3 ) Account Activity 4 ) Searches of Transactions. These services are the reason I opened a Virtual Wallet account, because you are able to monitor all transactions, including all deposits, transactions, and interest payments from the bank on that account. They purposefully exclude any fees from the bank on these monitoring services. Any notice fees are limited to the last page of the monthly e-statement and absent from all other products that allow one to monitor their account. After speaking with customer service, it is clear that the bank is able to see the record of fees on their side, but they do not share that information with their customers with virtual wallet accounts. Additionally if you manually search the transaction history for the fee amount they do not show up. 

This practice is concerning PNC has created, marketed, and built several tools for a specific account that is set to help people monitor their account and they expressly do n't include fees from the bank in these tools, even though they purport to include all information. The inclusion of all transactions and interest accrued and the name of the monitoring tools ( Monthly Calendar with all of the transactions listed ; Account Detail with all of the transactions listed ; Account Activity with a list of all activity including interest payments from the bank to the consumer ; and Search Transactions ) make it seem like any fees would be included and recorded in these areas. They are not, all are omitted. A reasonable consumer would not know about these fees using the tools that PNC put in place so consumers can " monitor '' their accounts, as PNC is omitting these institutional fees from these tools.
Product: Mortgage

In XXXX, we became behind on payments. Vanderbilt Mortgage scared my husband into signing paperwork that would give us a balloon payment of {$27.00}, XXXX. They threatened us with foreclosure even though we were only 2 months behind on payments. Now ( XXXX ) we are trying to sell our house and they [ Vanderbilt ] are telling us we have to pay the balloon payment before we can sell. However, in XXXX as well as a couple times in early XXXX, I called and asked specifically if we had to pay the balloon payment before selling the house. We were told no, that we did not have to pay the balloon payment before selling. They made the balloon payment our only option knowing we couldn't afford to pay it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX XXXX XXXX ran my background and received a clean report XXXX XXXX with XXXX On XX/XX/XXXX Sterling posted on my background report that i had a warrant from a case that was 9 years old XX/XX/XXXX past the 7 years required and then. Put on the report that the warrant was issued XX/XX/XXXX to make it appeared within the 7 year required and refused to provide the information of who reported the information which is required in a Advised action. There was no warrant they did it to help XXXX to denied employment and for profit.