23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I requested the company correct their reporting on my credit report and they responded with a threat to garnish my wages and withdraw the signed payment agreement we currently have that has not been broken by myself in any way. They are now threatening to void the signed contract and force me into other options I can not do. The options they are trying to force me into are as follows 1. sign a new agreement for a higher payment amount that they know I cant afford. 2. Settle the amount in two lump sum payments again they know I cant afford. 3. Threatening me to garnish and they only way to avoid it ( in their own words is to file chapter XXXX bankruptcy which I cant do. They have contacted my employer to ask personal questions about my pay and advise my employer of my debt and their threats. They have also refused to respond to me in regard to the incorrect reporting on my credit.
Product: Debt collection

Hi. I had recently received a call from a collector ( Insight Captial ) stating that I have a summons and that they have been trying to reach me but I did not receive anything. They started that if I did not contact them immediately they will send it to my employer. They said that they were trying to collect a debt of over {$700.00} that I owed their client for return payments. They had all my information like SSI, drivers  license number and home address. I told them I do n't know what they are talking about and owe nothing. They continue to push so I decided to end the call. I 'm not sure what they were looking for but the bank they had on file for me was an old bank ( XXXX XXXX XXXX ) I used almost 7 or 8 years ago. I asked them for whatever they have like contract but they would not send it to me. They wanted me to set up a payment plan with them with me going over the information. Thank you in advance, XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

I have been sending money to my friends in XXXX for several years. The money I send supports two families that otherwise would be in dire situations. I have been using XXXX to send the money. I recently moved which meant I had to update all of my financial information and update my account on XXXX. However they do not provide a way to update your e-mail address. So I called and spoke to customer service. I was told I would need to close my current account and then open a new account. The service rep closed the old account and I opened a new account. But when I attempted to send a transfer to my friend I received an e-mail saying the account had been suspended and that XXXX  would no longer accept transfers from me. When I asked why they refused to give a reason except to say it had nothing to do with my change of address. 

I decided to open an account with WorldRemit. They allowed me to open an account but once again when I sent the money I received an e-mail saying my account didn't meet their criteria as outlined in their terms and conditions. When I asked what exactly they wouldn't say. 

The fact that both companies have refused to send money leads me to believe that either someone has stolen my identity or my name is on a list somewhere. Is there some way to find out what the actual issue is and hopefully get it cleared up so that I can continue to help my friends? These are people I've known for several years and visited twice in XXXX. I don't want to let them down.
Product: Mortgage

Ditech has been billing us approximately {$28.00} above the interest owed on a mortgage loan. If we pay above the minimum using the On-line service they do n't give an option to apply the extra to the principal. So they ( Ditech ) applies it to the next month payment lowering the amount due. The loan has a balloon payment that we are trying to reduce. We have been paying {$28.00} above the interest they are charging. If we mail it we have the option to apply extra to principal, but only if you write it in, otherwise they do n't apply it to principal, they reduce next months amount owed. Right I now have a bill due for {$6.00} on a {$13000.00}. at 8.75 % interest, with a balloon payment due in 5 years. If I was n't discerning would pay only the {$6.00} thinking I am getting ahead. When actually I will be getting farther behind. This practice is very deceiving.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the letters on XX/XX/2023, from the postal office. Here is my receipt number : # XXXX. The purpose of the letter was to request an investigation and removal of fraudulent and incorrect accounts on my report. Initially, I had some hope, but unfortunately, nothing changed. This time, there are renewed dates with incorrect information and possible fraud, as well as a new address where I have never resided. This is a clear case of fraud and abuse of my rights. Attached, you will find the receipts along with the letter and additional proof. 
I took the time to educate myself further on my rights, and according to the Fair Credit Reporting Act ( 12 USC 1681 ), I am entitled to privacy protection. Additionally, in conducting my own research to safeguard myself, I discovered that no financial institution should share my information with a third party, as outlined in the Gramm-Leach-Bliley Act ( 15 USC 6802 ). 
Please assist me in having these accounts removed. This not only affects my life but also my family 's. 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. 
1. XXXX XXXX account # XXXX 2. XXXX account # XXXX 3. XXXX account # XXXX XXXX. XXXX XXXX account # XXXX 5. XXXX account # XXXX XXXX. XXXX # XXXX 7. XXXX # - XXXX XXXX. XXXX # XXXX XXXX. XXXX # XXXX XXXX. XXXX XXXXXXXX # XXXX XXXX. XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX # XXXX XXXX. XXXX # XXXX
Product: Debt collection

On XX/XX/XXXX a credit collection company listed a collection account to credit reports and I have not recieved any written communication from said company. Therefore I have not been given the right to a 30 day dispute period that is required by law.
Product: Checking or savings account

On XX/XX/year> {$11000.00} was deposited in my business acct at Truist Bank. Truist has informed me after closing the account that it had suspected fraud and the money is frozen. The check from the payee cleared after 1 week and I did not attempt to withdrawl any money prior to account closure. Bank will not communicate with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted bank of america and XXXX  in regards to two account being listed on my credit report. the accounts are identity theft and I have submitted a valid police report with a ftc complaint as well. They will not remove the accounts from my report. I have sent four letters to XXXX  and have received the same response as the accounts have been updated or remains.
Product: Student loan

I have a parent plus loan with Aidvantage that is currently in " in-school deferment status. '' This is my first parent plus loan and when the first disbursement occurred, I called Aidvantage and spoke with a representative to find out if I could make payments on the loan while it was in deferment - I was told I could. I was making payments prior to XX/XX/2023 ( when the Federal deferment was removed ) with no issues. All payments made after XX/XX/2023 have been returned to me without notice. It took 90 days of making payments before I realized my payments weren't posting to the account, BUT I was still being charged interest. When I called Aidvantage to find out why they were returning my payments the customer service agent spent 30 minutes giving me a multitude of excuses from there wasn't funds in my account, to I couldn't make a payment with the same card that I made payments to my own ( paid off ) student loan, to the most current disbursed loan was less than 6 months old so payments couldn't be made on it. Rather than find someone who could give me an actual answer she left the call by telling me once the funds had been on the account 6+ months or more I could make payments. If that's the case, I'll never be able to make payments because there will be a new disbursement every 6 months. Additionally, I was able to make payments on the first disbursement with no issues within the first 6 months. 

I'd like to know why my payments were refunded. I'd like to know why they were refunded with no notification. I'd also like to know, if this is a common occurrence, why the staff of Aidvantage has no training, or information, to be able to pass along to their customers. Why is there no information on the Aidvantage website and/or on the Department of Education website ?
Product: Debt collection

Portfolio Recovery obtained credit card debt that was written off from the original creditors in XX/XX/XXXX; since then, they were not only calling our home several times a day ; but both of our elderly mothers at their homes! They would call my mothers house sometimes four times a day ; she refused to answer. We have no idea how they obtained their numbers. 

Finally on XX/XX/XXXX, I sent cease and desist letters for both of our accounts listed with this agency. Contact did not cease ; but I didnt send it certified mail/return receipt. On XX/XX/XXXX, I sent the letters again, writing second request. 

Today, XX/XX/XXXX, we received 9 envelopes in the mail from this company. Some included proof of credit card debt ; the other letters stated that we could request substantiation of the debt. The letters included with proof of debt owed are worded as, in response to your dispute ... 

Nowhere in the letters sent to them ( twice! ) was a request for validation, nor disputing the debts. It asked for them to cease and desist contact. 

Other letters sent to agencies sent us responses acknowledging our cease and desist request. Portfolio Recovery either employs people who can not comprehend/read the letter, or they are bold and continuing to harass us.
Product: Credit reporting, credit repair services, or other personal consumer reports

received an email alert from XXXX credit that said my email and social had been detected on the dark web. Later that day I changed most of my passwords due to this being the 2nd time this year this happened. I noticed in my spam there were several emails from loan and credit card companies. One was for XXXX with an approval for XXXX XXXX XXXX. I emailed the company that night and said I did not authorize nor apply for credit or a loan. A month later I got a reply to call however I was at work. When I did follow up it took 3 ppl to tell me the card was active and being used online with purchases in multiple states. The follow week I got a bill in the mail for over $ XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

At XXXX am on XX/XX/2022, I received an email notification from XXXX XXXX stating that I had a new hard inquiry from Kohls/Capital One ( also dated XX/XX/XXXX ). I did not authorize this inquiry and I do not have an account with Kohls/Capital One. 

I called Kohls to attempt to resolve the issue on XX/XX/XXXX. 2022. The customer service associate I spoke with attempted to look up any account under my full name, my zip code, or my email address. He could not find an account using any of that information. I asked the customer service associate if he could use my social security number to look up an account and he said they are not allowed to do that for security purposes. 

When I reached out directly to XXXX to resolve the issue, the customer service associate stated that hard inquiries can not be disputed and instead I need to get legal authorization to have XXXX delete the inquiry. 

I have placed an initial fraud alert on my account with XXXX, but I am still trying to resolve my issue with the unauthorized hard inquiry.
Product: Checking or savings account

On XX/XX/2023 I went to my bank to renew my certificate of deposit which matured on XX/XX/2023. I was given a seven day grace period for this activity. The bank gave me three options to choose one. The options were as follows : 1. Add funds to the account - higher balance may earn higher interest rates. 
2. Change the term - longer terms may earn higher interest rates.

3. Close the account.

I decided to change the term from three months to five months. However the bank staff decided to close the CD account and open another CD account without my consent. 
He gave me documents to sign without any explanation of what the documents were for. At no time did I discuss closing the CD account and opening another CD account which does not make sense unless the bank wants to deny me the interest accrued from XX/XX/2023 to XX/XX/2023.
Product: Credit reporting or other personal consumer reports

I asked for XXXX, Equifax, and XXXX to conduct an investigation regarding the amount due on my accounts, and to verify the information is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) has violated several of my rights 15 U.S.C. 1681 Section 602 A. Clearly state that 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Mortgage

PNC loan officer - XXXX XXXX is marketing misleading info on XXXX, I attach the print-screen. 

1st, without 2 years vesting history, PNC can only approve RSU from XXXX XXXX companies, XXXX XXXX did not specify that, this is misleading advertising, and with PNC title in social media, she is speaking on behalf of PNC, exposed PNC to endless lawsuit risk. 

2nd, PNC management, especially when XXXX XXXX was SVP, warned loan officers several times that XXXX is unapproved social media, run by a XXXX company. All banks prohibit it. If XXXX XXXX is allowed to market, she gets special favor which is discrimination to other PNC loan officers. 

XXXX XXXX knowingly violated company policy. She shall be terminated. Or I will check with lawyers regarding being discriminated
Product: Checking or savings account

Deposit the money on Tuesday afternoon and a check was bounced the next day or 2 days without funds an they hold the check for one more week .....
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have prevously disputed the erroneous data for XX/XX/XXXX through XX/XX/XXXX with both XXXX XXXX and Experian. XXXX refuses to fix despite acknowledging status of the accounts as being in a disaster forbearance and subsequent deferment for the period ( s ) of derogatory history reported to Experian. In my prior Experian disputes, Experian has translated it to general XXXX code " incorrect account information '' to get around having to conduct an actual investigation. In its place Experian then requests an automated update of the information for the account/tradeline resulting in perpetuation of the inaccurate/unverifiable information ( adverse credit history ). As an aside, this practice is not new, as XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX. provided written testimony to the HOUSE COMMITTEE ON FINANCIAL SERVICES on XX/XX/XXXX, on behalf of the National Association of Consumer Advocates, specifically outlining the practice ( retrieved from https : //archives-financialservices.house.gov/hearing110/osbennett061907.pdf ). A copy of the testimony is attached. 

The attached documentation shows XXXX own response to the CFPB explaining the periods of deferment and forbearance for both subgroups. Consequentially Experian CAN change the information without the input of XXXX.
Product: Credit card or prepaid card

My husband & I had a bank of America credit card. In  XX/XX/XXXX  we refinanced to pay off credit cards and close them. My husband called to get balance for payoff, we refinanced and our credit union cut the check along with our request to close account. BOA received payment on  XX/XX/XXXX . It should have been done and closed. After receiving check they stated balance was incorrect, kept account open, and further charged interest and fees. The card has not been used since. They stated balance was {$66.00} and with interest and fees it is now {$200.00} plus. I offered to pay remaining original balance they declined. It was further reported to my credit report as a co holder that we have been late on account for whole year of  XXXX . I am reporting this to you to investigate and ask for removal of credit report negative information and I will pay what remaining original balance was and to close this account. This whole process by BOA has been unfair to consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an erroneous collection reported to XXXX XXXX by transunion. The collection is not on my credit file but XXXX XXXX will not remove it from their site. Trying with both companies several times has had no resolution. I have taken screen shots of this just today and it's still there with XXXX XXXX telling me they woyld correct it.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B requires the removal of any erroneous accounts from my credit report. Can you please look into the documents? Some accounts are inaccurately reported, with incorrect amounts and dates.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681i - Procedure in case of disputed accuracy. Experian has 15 days to reinvestigate.
Product: Debt collection

This company is breaking hippa laws I have not been to been to the hospital in over 8 years I have a family doctor They are reporting a fraudulent item on my credit file
Product: Credit reporting or other personal consumer reports

To whom it may concern : I am filing this complaint because Mariner Finance has not updated my account status as agreed. Despite paying the settlement amount as per the settlement agreement and receiving confirmation of payment, the account status on my credit report remains incorrect. I have contacted Mariner Finance multiple times regarding this issue, but no action has been taken to update my credit report. This delay negatively affects my credit score and financial standing. The settlement payment was completed on XXXX/XXXX/XXXX, and I expected the account status to reflect this update within 30 days as required.
Product: Credit card or prepaid card

I have been able to deposit money on my card, and so has another party which I have done work for. My account is locked and nobody at the call center has helped me, even after having tried multiple times to get this resolved.
Product: Credit reporting or other personal consumer reports

I filed XXXX on XXXX. Case number XXXX. I have 8 accounts on all 3 credit bureaus that are reporting 90 day late. I was never late on any account, before filing. Accounts are the following. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
They are all reporting 90 days late on XX/XX/2023. These are incorrect, and need to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with fair credit reporting act XXXX  reference number 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 instruct.ion
Product: Credit reporting or other personal consumer reports

I applied for Paypal credit on XXXX and got denied regardless of the reason for being denied I have the right to credit. Denying me access to my credit under the Equal Credit Opportunity Act is discrimination. Withholding my access to my securities is securities fraud you are violating the Equal Credit Opportunity Act and the Consumer Credit Protection Act. Since you are denying me, my credit please retract my application thank you. 

XXXX, XXXXa attorney in fact For ; XXXX, XXXX
Product: Debt collection

I am a victim of identity theft. please remove this fraudulent charge from my credit report asap. XXXX XXXX XXXX XXXX BALANCE {$210.00} XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX XXXX REPORTED TO XXXX IS NOT MINE. I WILL BE LOOKING TO SUE SOMEONE FOR THIS MISTAKE. XXXX IS REPORTING THE SAME THING UNDER A DIFFERENT NAME. WAKEFIELD ASSOCIATES XXXX {$210.00} XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX. SO THEY HAVE TOO ACCOUNTS UNDER DIFFERENT NAMES THATS ILLEGAL. I AM ALSO A VICTIM IN MULTIPLY DATA BR. XXXX, XXXX, XXXX XXXX. MY HOME OWNER GOALS ARE RUINED BECAUSE OF THIS {$210.00} DOLLAR PLEASE BLOCK FROM MY CREDITREPORT THANKYOU. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I NEED A PROMPT REPONSE. WAS TRYIN TO PURCHASE PROPERTY ON MY BIRTHDAY XXXX ID XXXX XXXX XXXX