23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

a person named XXXX XXXX started calling my family members trying to get my information. he scared my step-sister into giving my phone number. this person started calling my phone constantly without leaving a message until finally he left a vague message stating that there is a possible claim against me. since i have my work info on my voice mail he started calling my work, he left a message to my boss saying that an employee, stated my name, has a claim against her. he has caused an issue with my boss and now im worried my boss is going to fire me. i have told XXXX XXXX  on the phone and my boss has told him not to call this business but right after they hung up they called right back. the callers on saying they will file fraud charges if i do not pay my outstanding debt but have not given me a debt validation notice. they have been told to not contact my family, friends, work and myself but they keep calling. they are aggressive, rude and will not stop threatening me with fraud charges. i feel intimidated, scared and they just wont stop.
Product: Student loan

I attended XXXX XXXX in XX/XX/XXXX and graduated in XXXX. I was XXXX when I started and just walked the stage and they took advantage of that. They promised multiple things that turned out to be untrue. They told me any school in the country would take my credits once I was done with graduation. Which I later found out was a untrue They promised that they would place me in a job close to graduation. Another untrue deception. They pressured and mislead me into enrolling and taking out loans that I had no idea what or how they worked. I did not even know I had private loans until I had to pay it back. They lied about what I was guaranteed to make once I graduate. I was shown a chart that said 91 % of the people in my field made a average of XXXX XXXX dollars within the first 2 years post graduation. My degree is useless. I got my job without needing my degree from XXXX. Most employers dont even consider it a real degree. Someone in HR at a job fair once told me I shouldnt even put them on my resume. They have violated several laws and worked with lenders to create even scandals. Navient/sallie mae also has completed wrongful acts on my loans as well. Both my private and federal. They missallocated payments several times. There are unexplained payment reversals. I try to call and auto phone system never gets me to a live person. Almost all my private loans that I paid on show that the payments made went straight to interest and XXXX to principle. XXXX XXXX have violated laws and mislead me. This is illegal and unfair. I was constantly told I had to put my federal loans in forbearance when I found out I had other options. You get different answers every time you call and are transferred 12 times. Their website makes everything not make any sense and is very hard to understand when you have several loans. I would like all loans discharged and refunded every payment I every made to them due to violating of the law and misconduct.
Product: Debt collection

In XXXX I received a notification from my bank that my credit score had gone down. I noticed that I had a collections notice from HARRIS & HARRIS LTD for {$180.00} from XXXX. I have never had either of these types of accounts and believe they were opened fraudulently in my name.
Product: Debt collection

XX/XX/2024 a collection was put on my XXXX consumer report. Im not aware of this debt. It was opened in XXXX. I havent seen it on my consumer report anywhere until now.
Product: Debt collection

I had a XXXX XXXX membership for a while and when I stopped going to the gym for three months, I received a notice of collections but did not receive any phone calls or letter that my account was past due, neither was the funds being taken out of my account. when I went to pay my new due. The gym representative said it was already in collections. I was in collections for XXXX . I called the company and was getting charged {$500.00} I do not want to pay more than what I owe.
Product: Credit reporting or other personal consumer reports

The affirm account on Experian is still showing up on my credit report. The account is closed. And I was told by Experian 30 days ago that it would be removed. And it's not. 
PLEASE HELP!!! I have taken ALL of the steps to rectify this situation and still I can not get this removed/deleted. And Experian is not accepting calls, so I can't even get in touch with a supervisor. This is crazy. 

The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to report only accurate and verifiable information. If a closed account is still reporting incorrectly, this is a violation of your rights.
Product: Mortgage

I have been going through the hardship process with CITI for over 11 months. Every time I submit documents I receive an email telling me they have everything they need. After a few weeks I receive another email telling me they need more information. I have sent over 18 emails with documents. I have complied with their every request. This was after my original contact stopped communicating and they told me the file was closed. This entire process seems geared towards making me give up so they do not have to do anything. I have continued to make my payments and work hard to not fall behind. I have requested phone calls from management and still have not received any.
Product: Checking or savings account

I stayed in XXXX XXXXXXXX XXXX XXXXXXXX the took out XXXX out my out without my permission saying I smoked I dont smoke neither did my guess I requested pictures where I smoked but I did notice a burnt make on the toilet was was old. My issues is I have banked with usaa for years and Im wanted my funds back which it has cost overdrafts
Product: Debt collection

Navient has been calling my relatives and they even called our next door neighbor to talk about our student loan debt trying to contact us.
Product: Credit card

I just reviewed my credit report this account do not belongs to me its hurting my credit
Product: Vehicle loan or lease

In XXXX of 2020 I preemptively contacted my loan company ( Toyota Financial Services ) in an attempt to take advantage of an extension program they had in place to deal with income loss due to COVID-19. This was not something ( according to their website ) that you needed to be approved for. As stated I submitted the form for the extension in XXXX for the XXXX statement period. They responded with an automated message of receipt of the form. When the XXXX payment came they did not contact me and I made the payment that month anyway but it was late as I knew it would be since my wife 's income was no longer available due to her loss of work. Everything should have been in order, as it was from my end. I only recently learned that they had reported this to the credit agencies and negatively impacted my credit. I have an elderly veteran father who is in need of different living arrangements so my wife and I are looking for a mortgage for a home that will accommodate the three of us as best as possible. This is a matter of personal health. Now it is going to be very difficult because of Toyota 's actions. I contacted them twice to resolve this issue. During the most recent conversation with their representative they stated they have all these records stored and therefore they could see that they did receive the form for extension and that it was marked as resolved and never processed. No attempt was made to contact me indicating the extension had not been processed and I was penalized. It also stated that the previous representative had not processed my claim about them retracting their report to the credit agencies. The letter I received in the mail after the final conversation was simply Toyota informing me they were within their rights and that they stand by their decision. They are now putting my fathers health in jeopardy as our current living situation is not conducive to his needs. I have done all I can and hope that with a little extra help they can be convinced to admit their fault and retract all negative reports. The situation they have placed me in is currently holding me back from properly applying for a mortgage that can allow me to provide for my familys needs during these hard times. Thank you in advance.
Product: Credit card

Sent following statement ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( XXXX ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX  XXXX  and before XXXX XXXX  XXXX, local time at the consumers location ; ( XXXX ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or ( XXXX ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 
( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( XXXX ) to advise the consumer that the debt collectors further efforts are being terminated ; ( XXXX  ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( XXXX ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been having a terrible experience with XXXX  and Capital One.My credit score was XXXX as of this month of XXXX up until XXXX XXXX it dropped tremendously 120 points back to XXXX over night, due to a capital one account for the balance of {$950.00} and according to my credit report it's saying this account was opened XX/XX/XXXX XXXX.I have no knowledge of this and I disputed it quite a few times till finally It was removed in XX/XX/2019 and and it was taken off my credit profile but now its back on there and I informed XXXX  about this matter and although I have a security freeze an XXXX   representative told me that Capital One broke or lift my security freeze which is illegal i'm thinking for one and to add to that this account isn't mine, and I worked very hard to get to this status and explained to them I been a victim of identity theft and did the report online and they have it on record, Infact all three bureaus do. This is hindering me because literally I'm been pre-approved for a mortage loan and i'm literally in a middle of closing and all documents been signed for both parties, now the lender gon na submit my documents to the underwriters and then this happened with my score dropping over night out of no where down to XXXX but just the day I was at XXXX.Please if there's anything you can do to fix this matter like yesterday, I will greatly appreciate it.By the way I know there's people in this world that don't mean well with no go intentions but i'm not one of them.I ; m an genuine honest guy and family man and a professional welder and just wan na do right by my family and be able to purchase the home we deserve.I work on the road alot working XXXX XXXX at XXXX XXXX and XXXX XXXX and barely home my personal info has been probably vunerable and leaked on the dark web, Which I stated this in my identity theft reports
Product: Debt collection

I filed a complaint on XXXX XXXX, 2017 and have not a response mailed to me by Nationstar. What is their problem? I filed a complaint against them and I demand an answer to my complaint, in writing from them immediately!!
Product: Debt collection

My identity was stolen. I have never had an account with XXXX and now they sold the debt to a company called Franklin Collection. When the account was established with XXXX I was in prison at the time. I have sent the XXXX and Franklin Collection letters stating my situation and asking them to remove the negative mark off of my credit, but both of the companies fail to do. Im tired of the wild goose chase and the damaging effects this is having on my life. My hands are tied and I was left with no other option but to turn to you guys for help.
Product: Mortgage

Our Wells Fargo Home Mortgage Loan Number XXXX, recent Interest rate hike is more than reasonable. For XXXX years our base rate was 2.25 %, bought down by an initial substantial payment. Now interest is being raised by the full Libor rate. 

This week Wells Fargo advised that the rate would be the full Libor plus the initial rate or one they calculate to be 3 %, a 33 % gain when it is well known that there has been no substantial gain in interest rates over the last XXXX years. For a year, based on my {$150000.00} mortgage, this results in an additional {$1000.00} increase in payments. Based on this, the next five years, assuming a 1 % Libor each year, would cause the rate to be 7.24 %, a full 322 % gain, or at a minimum, an additional cost to me of {$5200.00}. This is usury. 

The loan agreement does stipulate this Libor rate increase but it is XXXX '' thick document, over XXXX pages, and I missed the full Libor increase clause when initiated. I thought, when they said an increase it meant the percentage change in the rate, not the full Libor rate. A change would mean subtracting today 's Libor rate from the original rate and using the sum as the adder. This would be reasonable. 

Credit score is not in question because mine is XXXX. Is there anything you can do to relieve me of this additional cost?
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to remove this personal information that UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove this personal information not later than 4 business days. 
XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Product: Credit card

XXXX unrecognized charges classified as Bank Fees appeared on credit card activity statement. XXXX appears to be from a dispute on my credit card account earlier in XXXX and the other charge is not recognized. XXXX charges appeared XXXX/XXXX/2015 and are listed as XXXX XXXX and XXXX XXXX XXXX XXXX. No information was conveyed regarding these charges ( written or electronic ), why they are present or what is the rationale behind them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

On Friday, XX/XX/XXXX, I contacted PNC through virtual message to ensure if I downgraded my virtual wallet checking account that my promotional offer already received would not be affected. I was assured it would not be, and given instructions on how to downgrade the account online myself. Even though it is technically a single virtual wallet account, any of the virtual wallets are actually divided into XXXX " accounts '' ( spend, growth, reserve ). In XXXX, the only deposit accountI have with PNC is the XXXX virtual wallet checking account. 

On Saturday, XX/XX/XXXX I completed what I thought was the simple online process as outlined to me the previous day of clicking a couple buttons to downgrade my PNC Performance Spend ( Virtual Wallet ) to the lowest level Virtual Wallet offered at PNC. Although I did reach a screen congratulating me on picking the right virtual wallet account for me, severalerror messages popped up also. When I went to my account home page, instead of having the Virtual Wallet ( which is always XXXX separate accounts, but all VWs ), I had two " Interest Checking '' accounts and one " Premiere Savings Account ''. This concerned me, as I know at least with the savings account, there is a hefty monthly fee associated with not having a minimum balance ( which I do not have ). 
I contacted PNC right after this on Saturday XX/XX/XXXX via chat. I was told that it should resolve overnight and to contact them again if it wasn't the next day. I contacted PNC again via chat in the afternoon of Sunday XX/XX/XXXX as instructed, as the accounts were still not corrected. At this time, I was told it would be escalated in the next 1-2 business days. My escalation # XXXX. 

On Monday, XX/XX/XXXX I logged into PNC again to see if it was corrected. It was not. There was a change though- I DID have A regular Virtual Wallet account ( But only 1, not 3 ) and I now had a " Standard Checking '' and still a " Premiere Money Market '' account which are not correct. When I contacted PNC on Monday XX/XX/XXXX via chat, I was told to wait another 2-3 business days. 

As of XX/XX/XXXX, nothing further has changed. I have only a single virtual wallet account ( not divided into XXXX separate XXXX accounts as is standard ) and still have the " phantom '' Standard Checking '' and " Premiere Money Market '' savings accounts that resulted from some PNC IT issue in the downgrade process. I do not wish to wait for this simple issue to drag on for weeks or months while I end up being charged low balance fees etc. on these phantom accounts that I did not agree to open. I only ever opened a single virtual wallet account. Standard Checking and Premiere Money Market accounts are NOT virtual wallet accounts.
Product: Money transfer, virtual currency, or money service

Good afternoon, Yesterday, XX/XX/2022, I went to a Western Union on XXXX XXXX XXXX, transaction number XXXX. 

I explained I wanted them to receive in XXXX XXXX {$930.00} to pay for my bills there. The guy charged me {$8.00} for their fees. Fine. {$930.00} total. 

So, then the recipient sends me a photo of his receipt. He received the equivalent to {$810.00} aka XXXX XXXX. 

I called Western Union and they say the exchange rate is XXXX XXXX, when in fact the exchange rate is around XXXX XXXX per {$1.00} dollar. 
Its missing {$90.00} from my transaction. I was never told they are robbing us blind with this exchange rate. I was clear I wanted the recepient to receive {$930.00} there. Their bank did not charge any fee. 
I told Western Union they even refund me for the missing {$90.00} here or send it up there. It's almost 10 % in hidden fee right there! 
They said it isn't possible to correct that. So I'm trying to hold them accountable by reporting it to you guys. And hoping this issue will be solved. 
Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked XXXX serval time have filed many many disputes. How did they come to report multiple payments received on my account after XX/XX/XXXX when I closed the account without payment never contacted XXXX since to make a payment or made any arrangements to bring this account current. but yet XXXX has reported payments made on my account from XX/XX/XXXX when I closed account again without payment up until XX/XX/XXXX then after the account was charged off and sold on XX/XX/XXXX payment continued to be reported after charged off from XXXX XX/XX/XXXX!!! SO THAT WE ARE CLEAR I AM ASKING WHO GAVE CONSENT FOR THESE CHANGES TO HAPPEN ON MY ACCOUNT HOW DID THESE PAYMENT COME TO BE!!!!????? 


NEED I REMIND YOU WHEN XXXX REPORTED THESE PAYMENT IT ILLEGALLY CHANGED MY FIRST DAY OF DELINQUENCY WHEN THEY MADE THESE UNAUTHORIZED CHANGES TO MY ACCOUNT. I HAVE ALSO FILED WITH XXXX  TO HELP LOOK INTO THIS BECAUSE I HAVE NOT GOTTEN A STRAIGHT ANSEWR FROM XXXX TO WHERE THESE PAYMENT ARE COME FROM AGAIN I AM NOT ASKING WHO OWNS THE CURRENT DEBT ONLY REQUESTING HOW THESE PAYMENT INFOMATION BEING REPORTED BY XXXX. 


WHERE DID THIS PAYMENT COME FROM AFTER I CLOSED THE ACCOUNT WITHOUT PAYMENT ON XX/XX/XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 2 physical letters, last letter sent XX/XX/2023 - did not receive a response by mail XX/XX/2023 -Received a response through the CFPB website, I do not agree with the outcome and it does resolve my complaint Went to Affirm Inc website to report unauthorized account dispute, website would not let me complete XX/XX/2023 - Called Affirm Inc by telephone was told by a representative that this account belongs to a third party called XXXX XXXX could not get that much information about the account history as I could was not giving much of my personal information because I was not consenting to give any of my personal information over the phone, I asked for a supervisor and she told me she would send a link of an affidavit I believe is the word she used to my email never received it, gave it 30 days no response. I just came back to the United States and I have not received anything responses since XXXX from Affirm Inc XXXX XXXX has been harassing and threatening me. XXXX XXXX is a third party collection agency that bought this debt from Affirm Inc
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is about suspected fraud activity on my Bank Of America debit card which I had no part in doing. The date reported was on XX/XX/2019 which is my birthday. I was home all day. A week and a half before this on XX/XX/2019 I lost my Bank Of America debit card and my drivers license which I suspect was at the gym. I went out of state for a couple weeks to New York so I had no idea because I was not using my debit card. My birthday was XX/XX/2019 and I came back home. I had no part in this issue. The original charge off amount is XXXX $ I had no part in taking this money out of Bank Of America.