23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am filing a formal complaint for XXXX XXXX XXXX falsely reporting my account to collections to the credit bureaus for debt that I do not owe. 
Attached to this complaint, you will find a copy of our original payment arrangement agreement, as well as proof of payments. In XX/XX/XXXX, I was not billed even though Midland had me set up on automatic payments to be withdrawn on the XX/XX/XXXX of each month. Midland sent me account to collections in the amount of {$730.00} when I only owe {$180.00} left on this account. It is clearly stated in our attached written agreement that if this payment contract is broken, that I would be sent to collections for the original balance, MINUS the payments made, yet they sent my entire account to collections. 
I called Midland on XX/XX/XXXX at XXXX PST and spoke to XXXX XXXX . XXXX was very rude and stated it is not his responsibility nor Midland 's responsibility to follow up with me regarding missed payments. I reminded him repeatedly that I am on an automatic payment plan, and he stated that since I missed a payment, I now owe the full {$730.00}, which is factually wrong, according to the disclosure printed on our payment arrangement. 
This account needs to be removed from collections since XXXX is falsely reporting me for debt that I do not owe. My three payments of {$180.00} and one payment of {$100.00} are not being recognized, so this account needs to be removed from collections immediately.
Product: Student loan

On XX/XX/XXXX, my lawyer send a letter to Navient about contacting a relative who was not an authorized contact person. I requested that they stop contacting relatives. I also asked Navient to send promissory notes on the private loans they continue to hassle me about. Navient never showed the promissory notes for the private loans which have crippled my credit since XXXX.
Product: Credit card or prepaid card

WARNING to Other Consumers PNC Credit Cards- All payments are allocated to the LOWER INTEREST RATE PURCHASES FIRST, so the bank can make more money on the higher interest rate balances. This is UNETHICAL. PNC bank purposely holds on to the higher interest rate balances until the lower interest rate balances are paid. 

We have a business PNC credit card. XX/XX/2019 we took a small cash advance of  {$100.00}, which we have never done before, but we were in a bind. 

On XX/XX/2019, I paid our credit card minimum and added and extra {$100.00} to pay off the cash advance. 

credit card purchases are charged 21 % cash advance purchases are charged 25 % I called PNC customer service on XX/XX/2019 after my payment posted and asked them to please apply {$100.00} of my payment to the cash advance. I was told by the customer rep XXXX XXXX that payments go to the LOWER interest rate balance first. We owe {$8000.00} in purchases, so PNC will be charging 25 % on our {$100.00} cash advance until we pay off the card. 

I asked to speak to XXXX 's escalation manager XXXX. XXXX told me they will not and can not allocate {$100.00} to be applied to the cash advance balance.

All payments we make pay down the LOWER INTEREST RATE Purchases first. 

This is so unethical! So PNC is going to make the higher interest rate purchases the last to be paid off. This is wrong! 

We have our business banking with PNC. Now we are going to move our business banking to another bank. I am infuriated about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently learned that XXXX XXXX Auto Loans reported a business auto loan on my personal credit report for the original loan amount of {$32000.00}. 

I contacted XXXX XXXX Auto Loans on XX/XX/2023 and was told to dispute that this is a business auto loan and not a personal auto loan and to request that this information be removed from my personal credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled my XXXX account but yet it is still showing an outstanding balance of {$9000.00} when a settled account should have the balance updated to XXXX and reported as paid settled for less than full balance this information is being reported incorrectly on my credit profile and should be updated I have reached out to the XXXX burearus the XXXX XXXX XXXX account is on being experian and XXXX and have not heard about the dispute i have also reached out to XXXX who is refusing to get issue correct in a reasonable time matter
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX account number XXXX amount XXXX XXXX XXXX XXXX XXXX account number XXXX amount XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX $ these accounts are not mine was fraudulent open I have police report and ftc report to prove immediately remove these accounts from my credit report immediately and return my score and profile back to normal
Product: Mortgage

Select Portfolio Servicing Inc is my mortgage company ( this is the XXXX owner of my mortgage in about three years. Two years ago I received help from the federal government through a HOPE grant to avoid loosing my home to foreclosure. They paid my previous mortgage company {$17.00}, XXXX to bring my account out of foreclosure and I was able to resume paying my mortgage after resolving my financial issue. Since this time that SPS purchased my mortgage they are reporting to the credit agencies that I owe them this amount in my payoff amount. I understand by getting this HOPE grant that if I do not keep the home, ( sell it, or loose it ) I will be responsible to repay this grant amount of XXXX if I do n't keep the home for ten years from the grant date, about two years ago. Here is my issue .... SPS received the amount of XXXX ( or at least the companie that owned my mortgage then did ) and I do n't think it 's fair for SPS to calculate my interest on the total amount still owed plus the grant amount daily, and montly and for SPS to report that I owe a debt of the additional amount of the grant money they received of XXXX. This is a loan I got from the federal government and I will owe the federal government if I loose or sell my home within the ten year guideline. SPS is using this amount to charge me additional interest and fees when they received this money, it is an unfair charging system that will never allow me to pay off this loan. SPS has also created a Escrow account that was not part of my original loan agreement and I feel illegal to attach to my mortage and create a extreme amount monthly to force me into foreclosure through extra charges not agreed to in my original loan agreement with the original mortgage company.. see attached documentation.
Product: Checking or savings account

I deposited one check for {$300.00} on XX/XX/2023 and I deposited another check for {$1000.00} on XX/XX/2023 into my Wells Fargo account. Both checks were written to me by my mother. Her bank account is with XXXX  XXXX XXXX. Wells Fargo is saying they were unable to collect the funds and theyre telling me that they wont be available until XX/XX/XXXX and XX/XX/XXXX. XXXX  XXXX XXXX is saying, they paid those checks immediately upon receiving them. Wells Fargo is telling me theres nothing they can do about it and they may charge me a penalty fee for being overdrawn. The funds were in my account for four days and then all of a sudden they reneged and said the money isnt there. They said they were unable to collect the money when in fact, they received the money on day one.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX, account XXXX XXXX  XXXX, account XXXX XXXX  XXXX, account XXXX XXXX  XXXX XXXX, account XXXX XXXX XXXX XXXX  XXXX XXXX  , account XXXX XXXX XXXX, account XXXX XXXX  XXXX , account XXXX XXXX XXXX XXXXXXXX XXXX, account XXXX XXXX  XXXX XXXX XXXX, account XXXX XXXX XXXX  XXXX, account XXXX 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I called Affirm customer care 3 weeks ago regarding my account payments after experiencing weeks of email and phone call harassment where Affirm and it's hired local debt collector was threatening to report my payments history to the credit reporting agencies. I received constant phones calls and emails at all hours during my work hours, evening and sleep causing me additional emotional distress and mental anguish. I am XXXX  and a XXXX veteran and communicated financial hardship to Affirm as my vehicle just got totaled and I was waiting on my settlement check from the insurance. I was told by a rep that my all XXXX of my Affirm loans would be placed in deferment and I would be okay. On XX/XX/15 I logged onto my credit reports and saw that Affirm has reported me as 30 days delinquent on three loan accounts to the credit reporting agencies severely damaging my credit score and reputation by XXXX points. I am not unable to get a car loan to get another vehicle which is adding on to my growing emotional distress. I need a car to get to call my medical appointments. I called Affirm on XX/XX/15 and spoke to a supervisor named XXXX who stated the previous rep had misinformed me on their reporting and financial hardship policy and that Affirm 's aggressive debt collection tactics and threats to report me to credit reporting agencies were legal and " what has to happen. '' XXXX also stated Affirm was unable to remove the accounts from my consumer report even though it was Affirm that followed through on their threat and reported the accounts to the credit reporting agencies. XXXX refused to provide me with his Supervisor or a legal/ consumer compliance advocate contact information and stated there was nothing he could do beyond deterring XXXX affirm accounts versus the XXXX account deferral I was told I would have prior to being reported. Affirm 's abusive debt collection actions have caused several direct violations of the FDCPA and Affirm should be held accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint against Transunion for reporting inaccurate information on the listed account below. I believe the bureau is violating Section 611 of the FCRA for reporting false information which is damaging my credit and causing me emotional and physical stress. I need TRANSUNION to provide me with verifiable proof or documentation demonstrating that the information they have is accurate. Failure to comply with the request should result in the correction of the item. 

XXXX XXXX XXXX
Product: Credit card

I am writing to you to request a goodwill adjustment for a late payment that is on my account. I always make my payments on time and make every effort to fulfill my financial responsibilities, but the past year has been a hardship for me losing my mother to XXXX and caring for my XXXX sister. At the time of these late payments, I was laid off from my job due to unforeseen medical issues, and still made the effort to make my monthly payment although I am still out of work. I say that not to justify why the payment was late, but rather to show that the late payments are not a good indicater of my actual historical creditworthiness. I have been a happy customer for many years and I hope to continue a long relationship with your company. I hope that you are willing to work with me on erasing these marks from my credit reports. 
I am now trying to find an apartment and lease a car and I am having trouble doing so due to my credit score decreasing due to these late payments.

I understand that according to federal law 15 U.S. code 1681a ( 2 ) ( Ai ), a consumer report does not include information solely as to transactions or experiences between the consumer and the person making the payment. I also understand that according to federal law 15 U.S. code 1666b ( a ), a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Debt collection

To Whom It May Concern : 1 ) Account Name : Capital One Auto Finance Account Number : XXXX XXXX ) Account Name : Capital One Account Number : XXXX XXXX ) I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$7600.00}. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion.

2 ) This collection account I have no knowledge of and is showing on my credit report still. The collection company stated they SOLD THE DEBT TO XXXX XXXX XXXX. and no longer responsible, yet its still reporting on my credit. PLEASE KINDLY REMOVE THIS COLLECTION FROM MY CREDIT REPORT AS SOON AS POSSIBLE. 

Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 
https : //www.law.cornell.edu
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX by Barclaycard- " Balance subject to interest rate '' " Average Daily Balance '' difficult to calculate, appears intentionally misleading, and results in higher interest charges than should be applicable to the current statement. <P/>On my latest statement for billing period XX/XX/17 - XX/XX/17, I see a total of {$2700.00} for the " Balance subject to interest rate ''. The actual statement balance was only {$2000.00} and this is a significant discrepancy that results in higher interest being owed. I have been unable to determine exactly how Barclaycard calculated this amount, and neither could a manager at their customer service center. I feel this is an unethical methodology of calculating interest since I see simple way for oversight. My solution now will likely be to discontinue my business with them and to voice my experience publicly. <P/>The company uses an " Average Daily Balance '' ( ADB ) to calculate interest, supposedly starting from the last contiguous statement period where the balance was not paid in full. This makes it nearly impossible for the consumer to accurately calculate their interest if they have even a modicum of purchases for the month and especially when this carries over for multiple statement periods. It appears designed to be intentionally confusing and extremely difficult for customers to calculate and verify their charges. <P/>I tried to clarify this issue with the bank through a phone call to their costumer service center and while I did get a manager on the line who made a valiant attempt to calculate my ADB for even one statement however it was impossible to actually go through this statement in any kind of reasonable time frame. She did say they could produce a spreadsheet with each calculation for the ADB but she could only discuss this verbally over the phone and could not share the physical data. Since my ADB for this recent statement period spanned 3 billing periods it was impossible for us to accurately review this data over the phone. Therefore there is no way for me to accurately account for the interest charged by Barclaycard and I feel this is unethical and an abuse of customer trust. A quick internet search of Barclaycard customer experiences further increases my suspicion of this bank 's untrustworthy nature. <P/>Let me also state that when XXXX XXXX XXXX switched to Barclaycard, their online banking service portal for the credit card also shifted by removing pertinent information that had been previously readily available and thus making it feel less transparent and accountable to check on my finances.
Product: Checking or savings account

On XX/XX/XXXX I made a mobile deposit from my XXXX XXXX  account, to my Bank of America account. Normally if I make a mobile deposit, it takes 24 hours for funds to become available. I made the mobile deposit and the money was withdrawn from my account on XX/XX/XXXX. I called Bank of America the next day wondering why it was not showing in my account yet and they advised me that there was a hold placed on the funds. When I asked them why she advised me it was a problem with XXXX. I called XXXX to ask them what the issue was and they advised me that there was no issue and that the money had already been taken from my account. I called Bank of America back and they advised me that it was going through 'clearing house ' and would be clearedXX/XX/XXXX. I explained to them that that was no an acceptable time line. I opened this BofA account when I moved to NC because it was convenient. If I would have known or been warned of the possibility of the funds not going through in a timely fashion, I would have chosen another method of depositing to the account. I asked to speak with a supervisor and was told they would be able to do nothing about my issue. I asked for a supervisor anyways and received a call back from XXXX. XXXX  advised me that something in the system triggered a hold on my check and there was nothing they could do about it. I respectfully asked to speak with his manager. He advised me that noone would be able to override the decision to hold my funds. I advised XXXX that I would need to hear that from his superior. I also advised him that I've worked in call centers in the past and I did not need another supervisor/peer of XXXX but a manager/superior to XXXX. I received a call the next day from XXXX, who I stopped right away and asked if he was a manager or supervisor. He said he was a manager. I asked him to clarify if he was a XXXX peer or superior, he confirmed that he was indeed a peer of XXXX. I explained to him that I specifically asked for a manager, not another supervisor. XXXX went on to say that noone was going to change the decision. I asked him to speak with his manager and not to give me another supervisor. He placed me on hold while he 'looked for a manager ', came back a few minutes later and said noone was available but he could offer me a call back. I have been waiting since ThursdayXX/XX/XXXX to hear from this manager. As of today XX/XX/XXXXmy money has been MIA since XX/XX/XXXX. Not only do I not have access to MY money, but the very transactions I deposited that money to cover are coming back to me as returned now. My landlords check bounced as well as several debit card transactions. I can not understand how XXXX XXXX can have released my money to BofA on XX/XX/XXXXbut there is something else that they need to verify in order to deposit MY money into my account. On top of that, the lack of discipline and disappointing customer service practices along with flawed escalation process in this ONE scenario is staggering. I will not be a customer long.
Product: Credit card

" American express '' sent me a letter with XXXX $ charge for " Blue cash preffered card '' in XX/XX/XXXX. 

Explained to them on chat that I never ordered, never received, never activated that card. Never used that card. Never had it. Do not have it. 

She promised that they will delete that account and charge. 

Unfortunately that was not the end of it. 

They sent charges again in XXXX of XXXX. 

After another chat with them problem is still not solved. 
Can you do something about it?
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital Bank has reported me on 2 closed accounts opened 8 years ago that do NOT belong to me ; I would have been XXXX years old when these accounts were opened. The closed accounts have negatively impacted my credit score and my ability to maintain a good credit score. I have repeatedly called Capital one to remove my name and information from these closed accounts but my attempts failed. I ask that Capital one remove my association with these cards immediately. The accounts are closed accounts on my credit report, please have them REMOVE from my credit report as they do NOT belong to me and opened by someone else when I was XXXX years old.
Product: Debt collection

Dear CFPB, I am writing to formally dispute the inaccuracies associated with my credit report as outlined under Section 605B of the Fair Credit Reporting Act. I am appalled by the negligence displayed in reporting my credit information, which has resulted in significant damage to my creditworthiness. 

Upon reviewing my credit report, I discovered XXXX XXXX XXXX XXXX # XXXX. This information is not only erroneous but also misleading, and I demand an immediate investigation into this matter.

According to Section 605B, I have the right to dispute any information that I believe is incomplete or inaccurate. I expect a thorough investigation to be conducted, and for the inaccurate information to be corrected or removed promptly. Furthermore, I require written confirmation of the actions taken regarding this dispute within 30 days of receiving this letter. 

I am particularly frustrated by the lack of due diligence exercised in maintaining accurate records. This oversight is unacceptable, and I will pursue all legal avenues available to ensure that my rights are protected. If I do not receive a satisfactory resolution, I will not hesitate to escalate this matter to the appropriate regulatory agencies. 

Please consider this letter a formal notification of my dispute. I expect immediate action on your part to rectify this situation. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/year>, i received a text message from Huntington national bank asking me if I had approved {$480.00} add XXXX, i replied no. Shortly after I received another message indicating thank you for your confirmation a Huntington representative will reach out to you shortly case ID XXXX. When I received the phone call the person that called me call me from XXXX XXXX XXXX XXXX, which is hey Huntington bank number that I verified on the back of the card. The person that called me indicated a person in florida was trying to log into my account using an XXXX XXXX, and in order for them to help me I would have to transfer money for my account, and the money would be refund back once they have taken care of the issue. I transferred {$4100.00}, and {$7500.00} into separate occasions since they were making follow up phone calls to let me know that they were working on the issue and the money was going to be transferred back into my account. On the last follow up phone call the representative told me that he was going to give me a call back the following day to assist me with two secure identifiers in order to secure my account. I never received a phone call back and that is when I decided to go to the bank and they told me I had been a victim of fraud. The manager submitted a claim that was denied because they indicated I gave permission to transfer the money which I did because I trusted the number and it was a number from Huntington National Bank. My error was that I trusted then number that is from Huntington bank thinking they were helping me not to become a victim of fraud and now the bank does not want to be responsible for what has happened to me.
Product: Debt collection

I am a single mother. I recently tried to purchase a home for my family and was denied. I than reviewed my own credit report and seen a lot of unauthorized credit inquires on my credit report that i did not authorize