23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I entered a consent judgement with the law offices of XXXX XXXX after many attempts to resolve the debt, offering well above 60 % of the original debt in lump sum payments they refused any agreement so we went to court. 

We agreed to what I could do which was {$50.00} a month. The original debt on the consent judgement was {$5700.00}. I paid {$50.00} every month from XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX a woman from the office called me and stated XXXX false things. 

XXXX. ) That I still owed the full amount of {$5700.00} after 11 months of {$50.00} payments, the total should have been {$5200.00} or slightly higher with any potential interest accrual. 

XXXX. ) That my wages would be garnished unless I tripled my monthly payment to {$150.00}. 

I emailed the lawyer who was working my case to inform him of this and he didn't respond, although it created a hardship and continues to do so I have been paying the {$150.00} a month because I was threatened with garnishment and more court fees. I have since made every payment stating in XXXX of XXXX for {$150.00} a total of 9 months not including this month XX/XX/XXXX my total should be at or around {$3800.00} in remaining debt. 

Today on XX/XX/XXXX I was called by the office and told that I still owe {$5700.00}, I was also told they are hitting my account with 6 % interest. I have no confidence in their record keeping, or ability to manage debt. In addition they continue to make threats, be disrespectful and lie.
Product: Credit reporting or other personal consumer reports

Sunday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI, XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Dear Transunion, XXXX I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX, Transunion report. 
Please verify or remove immediately the following accounts : XXXX XXXX XXXXXXXX I NEVER gave you, XXXX, XXXX XXXX, XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. XXXX, has caused XXXX stress and XXXX  due to the abusive and unfair practice. 15 USC 1681a right to privacy 15 USC 1681b2 permissible purpose XXXX XXXX XXXXXXXX XXXX - XXXX NEVER gave you, Transunion, XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Transunion has caused XXXX stress and XXXX  due to the abusive and unfair practice. 
15 USC 1681a right to privacy 15 USC 1681b2 permissible purpose The following inquiries are unauthorized or inaccurate, and I ask that you delete them : Inquiry from XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXXXXXX 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 XXXXXX/XX/XXXX I am a victim of identity theft and I never authorized this inquiry. Transunion By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I contacted XXXX XXXX because I am going through a financial hardship. I asked them to settlement on this amount owed before I am not able to pay for it. The representative told me over the phone WE HAVE NO SETTLEMENTS TO OFFER YOU. I told the representative that I am reaching to them first before it gets too bad. But they were no help at all.
Product: Mortgage

My husband and I had a business line of credit with XXXX XXXX, secured with equity from our house and commercial building. This line of credit was paid in full and closed in XXXX. In XXXX, when we sold our commercial building a lean from this line of credit showed up making it difficult to close on our sale. After much hassle we were told the documentation had not been filed by XXXX XXXX correctly. Chemical Bank had purchased XXXX XXXX and we provided proof of payment in full. Chemical Bank then gave a written release of the mortgage for the commercial sale of the building. We have recently accepted an offer for the sale of our house. Again, this line of credit shows up as a lean making it difficult to close on the house. TCF Bank has purchased Chemical Bank. I have talked to the local bank manager who states it could take awhile to resolve as it goes to a regional loan officer. They were unsure as to when this could be resolved, which could affect the sale of our home. This problem should have been taken care of in XXXX, then again in XXXX. I want this to be resolved. I am glad my husband and I did not die and leave this mess for our children. I would appreciate a prompt resolution of this problem as it not only causes undue stress but may affect the sale of our home.
Product: Student loan

I am currently on the XXXX plan and submitted a recalculation application based on a large decrease in income on XX/XX/XXXX. Mohela will not process this application stating it is due to the injunction and lawsuits on the XXXX plan. However, according to the department of education, updated site as of XX/XX/XXXX these applications should be processed and until they are the loan should be put into forbearance. I spoke with a mohela representative and they apparently are unaware that the dept of ed said to process these applications. They are not processing and are ending my processing forbearance in a week and requesting payment of an amount that is insanely high based on my recalculation.
Product: Mortgage

Freedom Mortagage has not sent us the {$1200.00} that was remaining in our escrow when we sold our house. The house closed on XXXX and we should have received it by now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Key bank had reported late payments to my account for my credit account ending in XXXX XX/XX/XXXX : XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX : XX/XX/XXXX, XX/XX/XXXX
Product: Debt collection

Called me at XXXX. I have the record on my phone. I am taking my daughter to school at that time. You are not allowed to talk on cellphone and drive in the State of Texas.
Product: Student loan

My daughter is still in school and does not have to make any payments on her student loan for 2 years. Since she had an awesome semester, I wanted to make a {$2000.00} principal only payment on her highest-interest loan balance. Great Lakes would not process this without first applying {$550.00} to her interest owed. This is not right at all. My daughter does not have to pay a single penny of principal or interest on this loan and Great Lakes should have a process to allow for principal-only payments just like any other type of loan. Student Loans should not have a 120 day limit on principal only pay backs. This is deceptive and misleading. I am not saying that she should n't pay the interest she owes, at the time it is due. But what I am saying is that I should be able to make occasional one-time principal only payments if I choose and that the lender should have a mechanism to processes these types of payments.
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section 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 than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

There's a lawsuit against Wells Fargo about overcharging customers fees and penalties applied incorrectly during XXXX I want my account to be checked to see if it was impacted cause I had financial issues during past years my account was over sometimes bank charged me 4-5 tunes overdraft fees of XXXX  dollars same day even at items if XXXX dollars. I think that practice unfair and abusive.
Product: Credit reporting or other personal consumer reports

XXXX - Attempted to access Credit Score at TransUnion website and TU will only provide the Credit Score if I pay for it. XXXX and XXXX provide Credit Report and Credit Score free-of-charge, as they should. The Credit Score is also used - in addition to credit report - by comapnies making credit decisions, insurance companies, and employers when making decisions that affect us -- consumers. Therefore, we should never be required to pay for informaiton that we did not freely provide to the credit bureaus and that same are attempting to use to make money -- it's Our -- Consumers ' -- Data, not theirs. And the data is being used to make decisions which affect our lives. Please enforce and compel credit bureaus to provide our data -- Credit Reports AND Credit Scores free-of-charge. 

Thank You for your time and Consideration of this request and concern, XXXX XXXX XXXX
Product: Debt collection

Company names is Exeter finance I have been harassed for three years for a debt thats not mines I need this company deleted off my credit report immediately I Have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX I may presume that no proof of the alleged debt, nor therefore any such debt in fact exist.
Product: Checking or savings account

I have a checking account and credit card from Citizen 's Bank. I had to unfortunately close my account because I am moving and this bank is not in my new area. I informed the bank that I want to close my account and paid literally hundreds of dollars in overdraft fees and other optional fees to the bank. I found out that later on that the fees continued even after I asked for my account to close. I had to pay another {$270.00} or so in fees to this bank again. 

In these times, banks such as Citizens Bank shouldn't double dip and charge a {$37.00} fee and then a {$30.00} fee because those fees literally allow them to charge me more!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to request that Experian correct the information they report on the following accounts are inaccurate and is different compared to the other Credit Bureaus. Experian is reporting a different information from other bureaus. These accounts are only reporting as late in Experian Credit bureau. If Experian 's record keeping had been accurate, these account should have never been erroneously reported. Per FCRA, reporting of account information must be accurate ; I need the following accounts corrected immediately : XXXXXXXX XXXX XXXX XXXX Balance : {$94000.00} XXXX  XXXX Balance : {$2800.00} XXXX  XXXX Balance : {$2300.00}. As per the FCRA, credit reporting must be 100 % accurate. Therefore, I urge Experian to rectify this error by correcting the information they report on these accounts from my credit report as soon as possible to avoid any negative impact on my creditworthiness.
Product: Checking or savings account

Hi XXXX XXXX, opened up hopeful XXXX XXXX  at Chase bank following deposited {$20000.00} from my other checking account from XXXX. Open business checking account I supplied necessary documents they requested to include passport, Social Security card, and all business documentations to include operating agreement, EIN number, good standing with the state of Missouri and operating agreement showing that I am 100 % owner. The bank requiring that I update the Missouri Secretary of State website listing myself as the member and owner however, the state does not require that and the bank will not release my funds or holding my {$20000.00} until I make the change. In addition, the bank did approve my other XXXX  XXXX  and my savings account however did not approve or authorize my hopeful XXXX XXXX company located in Missouri, so I can buy real estate. 
They are telling me in order for me to get my funds back I need to put my name on the secretary states website, however that is not necessary within that state guidelines. I provide the bank proof of funds including copy of the checks and bank letter signed, showing proof of funds And still having an issue with establishing my business account so I can conduct transactions.
Product: Mortgage

Two years ago XXXX, we applied for the XXXX XXXX XXXX savings program through M & T and were subsequently approved by the representative we worked with ( who is no longer an M & T employee ). Since then, we have successfully completed the program, making the monthly payments on time, and have completed the required counseling sessions. At this point, we have met with our loan officer several times, had all of our documentation in order, and successfully procured a mortgage loan. We were informed yesterday of a condition of the XXXX XXXX XXXX program that would have disqualified us from being accepted into the program ( I was a XXXX within 6 months of XXXX ), yet M & T approved us anyway. The person we met with checked all of the criteria for the program off for us without confirming with us that is that met the criteria, and only had us look at and sign page XXXX of a document. As a result, we did not receive the XXXX that would give us an additional {$7500.00} toward closing costs. We were told by M & T that they would do nothing to right this, despite the mistake being theirs.
Product: Vehicle loan or lease

I am writing to you regarding my vehicle, a XXXX XXXX XXXX that I purchased from XXXX XXXX XXXX dealership, on XXXX XXXX XXXX Recently, I have learned that I have had an extended warranty included in my loan AND other charges without my express consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I disputed late payments that were reporting on a closed account ( XXXX XXXX ) on my credit report. The account has been paid and closed since XX/XX/XXXX, however, I did not realize there were late payments reporting at the time. In XX/XX/XXXX, the dispute result was " verified by the account lender/meets FCRA Guidelines. The account " status '' also changed from " Paid as Agreed '' to " Past due 60-90 days '' ; mind you, the account has been closed since XX/XX/XXXX? 
I filed a CFPB complaint against XXXX XXXX XXXX and the response stated that the credit bureaus had NEVER contacted them regarding my dispute since XX/XX/XXXX and that they did not report any delinquent status. Therefore, I am escalating my dispute to the CFPB for further review of this account. I believe this account status was fraudulently changed and has negatively impacted my credit score.
Product: Debt collection

When we moved to a new town, we closed our residential phone account with XXXX XXXX XXXX and requested that a final bill be sent to our new mailing address. We received that bill and paid it ( see attached photo ) ; however XXXX XXXX XXXX also allegedly ( according to XXXX XXXX XXXX collections rep ) sent a separate bill to our old address which we never received. Despite the fact we are current XXXX XXXX XXXX customers with a current mailing address on file, XXXX XXXX XXXX errantly sent these past due notices to the old service address NOT our current mailing address. When contacted XXXX XXXX XXXX was unable to validate or itemize the nature of the past due amount. Due to XXXX & XXXX poor accounting and billing practices, my credit history was damaged and I was unable to qualify for a loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a revolving account since 2004 and there is derogatory account information that is not true on the account. I have called and mailed and received no response. I am a XXXX XXXX XXXX member and still have an account with Military Star card and have tried to resolve the negative issue with the account. It is in good standing and have paid all payments on time, I have disputed it through credit bureaus and still no word from the company.
Product: Credit card or prepaid card

Back in 2017 my American express card # XXXX was involved in an internet scam. 
I applied for a job in the internet with NY company as a procurement, went though the on-hire process were I gave them my personal information, including a copy of my credit report. 
Prior to my starting date the company made contact with me and explained that they couldn't get me on payroll yet and that i was on a trial period, they way to operate in the mean time was for them to paid off one of my credit card balances or deposit some money in one of my credit card so i could make the purchases. I stupidly gave them access to my American Express two days later they made a deposit for {$4000.00} that reflected on the account, they sent a list of purchases to buy electronics in XXXX XXXX and XXXX  and at that point i realized there was something very suspicious and the have taken control of my account information. I called American Express to let them know that something was wrong an to returned the money which they did and everything went back to normal in my account for 2 months then without me knowing by XX/XX/XXXX the account was tempered with again however since there was a warning in the account XXXX  proceeded to return the funds back again making the mistake and in stead returning twice the amount by wire and by electronic check debiting my account double. For 5 months I tried to resolve my fraud case with XXXX  who in turn after 27 years of relationship denied my claim that was being investigated through an XXXX department. I reopened the case 5 times every month with the help of a lady XXXX in the USA who was able to figure out what went wrong but by XX/XX/XXXX she retired and the case was left lingering and unattended I opened again though XXXX but no responses were achieved. In XX/XX/XXXX they reach out to me to demand collection but morally and ethically i couldn't move forward to pay a debt that was American Express mistake. 
XXXX transferred me to collections know and i continue unemployed.
Product: Checking or savings account

On XX/XX/XXXX Navy Federal Credit Union took {$3000.00} from my checking account to pay off a collection that had a payment plan in place. No notification by mail or phone was received to help remind or resolve this debt. Nor was i notified that they were going to draft that money. The last payment was made in XX/XX/XXXX. I had made payments to other credit cards and now they stuck me with over draft fees because they drafted money without my consent. I had changed jobs and was struggling for awhile. I made phone calls to try and resolve this issue and requested that the collections supervisor return my call on XX/XX/XXXX and have not returned my call. I am angered by this because of the financial burden NFCU has placed me with this draft. And when i asked why i had not received a call the representative gave me attitude and said well you didn't call us either.. I am personally disgusted by the attitude and stance NFCU has placed over their veterans.
Product: Mortgage

ongoing nothing settled, breach of contract not paying property taxes, unfair banking, ect. So much distress this is not addressed to, second complaint. Paying property taxes that they are responsible for., along with penalty 's. Constant notification from tax collector.latest one is upset sale, delinquent real estate taxes. Wells fargo should be held accountable
Product: Debt collection

Credit Collection Services continue to allege I owe a debt I do not owe and I refuse to pay. They have report this alleged debt to the reporting agencies damaging my character and reputation. They have failed to provide any documentation to support their claims nor was I ever informed of my right to dispute this alleged debt before they added to my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute for these account on XX/XX/2021, and I have not received a response or communication back from this company. It has now been over 35 days, as the original creditor I deem this account unverifiable and I want this account deleted from my credit report as per the laws pertaining to the Fair and Credit Reporting Act.
Product: Credit card

My situation is that every month Im fined late fees and interest charges by PNC XXXX because auto pay has not worked. Every month I set it up again and the same thing happens. PNC Customer care told me their system may have a fault with external bank payments and they me asked me to fill in a paper form, and mail it to PNC. Theyve not agreed to waive my fees. 
This has been happening since XX/XX/2023, and every month I have to call them and complain. Their system does not preserve audit trail which is a regulatory requirement as far as I understand. 

PNC Bank only agrees to look into the incident after I posted on social media- XXXX and on XXXX. 

Even then, the executive from the Cotporate leadership team that was assigned to me, stopped responding to me and the issue with my fees and interest charges continues although I set up payment every month. 

As per consumer banking rules, if the fault lies with the banks systems, the consumer cant be asked to pay? No? 

Worse of all, PNC has told me they dont keep an audit trail of such activities. It means Tbey cant even tell me when Ive set up auto pay and why it didnt work. 

Lastly, PNC told me I was free to go outside of PNC ( small claims court, consumer finance protection bureau, etc ) to get it resolved because they cant fix the issue.
Product: Credit reporting or other personal consumer reports

I am writing to request the deletion of my account due to the presence of mixed and incorrect information. I believe this account does not accurately represent my financial history or status. I would appreciate it if you could promptly delete this account from my credit file to prevent any further complications or misrepresentations.
Product: Credit card or prepaid card

On XX/XX/XXXX at about XXXX XXXX I attempted to withdraw {$100.00} from a XXXX XXXX ATM account located at XXXX XXXX XXXX XXXX in XXXX XXXX Florida located inside a XXXX XXXX convenience store. 
I used my American Express Serve Card # XXXX XXXX XXXX Exp XX/XX/XXXX in my name , XXXX XXXX. 
The ATM Delivered no money, however a {$100.00} debit appeared on my statement. I received the attached receipt indicating that they were " unable to Process This Trans At This Time '' ( See Attachment ) I contacted American Express 3 different times, the XX/XX/XXXX, the XX/XX/XXXX and the XX/XX/XXXX and all 3 times they stated that they were sending me an Email so I could dispute the {$100.00} charge to my account. I had them send me an Email so I could verify it. I searched all spam folders for anything from them and I have not received any email to dispute this charge. my Email address is XXXX. 
As of today XX/XX/XXXX I have not received an Email as promised and the {$100.00} charge is still in place.