23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

This matter was previously filed with CFPB and settled with the company. Nevertheless, the company may not have appropriately updated the files as I am still getting harassing collection calls from the company demanding the balance due. Customer Service also says they have no record of this in there system. 

There is no balance due. The company XXXX out the small balance in good faith and the matter was settled. 

The letter provided from Continental Finance is attached as verification.
Product: Credit reporting or other personal consumer reports

This complaint addresses violations of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ), Privacy Act of 1974 ( 5 U.S.C. 552a ), 15 U.S.C. 6802, 12 CFR 313.7, 16 CFR 433.1-3, and other consumer protection laws by XXXX XXXX XXXX XXXX  and associated Credit Reporting Agencies ( CRAs ) : XXXX, XXXX, and Equifax. This complaint also raises concerns regarding retaliation and threats by XXXX XXXX XXXX executive office in response to my lawful disputes. 

Key Violations and Applicable Laws 1. Unauthorized Reporting ( FCRA, 15 U.S.C. 1681 ) : 15 U.S.C. 1681b : Reporting personal financial information to CRAs without explicit written authorization is unlawful. 
15 U.S.C. 1681c : Reporting irrelevant or excessive information, such as transaction history unrelated to active accounts, is prohibited. 
15 U.S.C. 1681e ( b ) : CRAs must ensure maximum possible accuracy in the information provided by furnishers. 
2. Violation of Privacy Rights ( 15 U.S.C. 6802 and 12 CFR 313.7 ) : 15 U.S.C. 6802 : XXXX XXXX XXXX failed to provide opt-out mechanisms for sharing my nonpublic personal information. 
12 CFR 313.7 : Financial institutions must provide a clear and conspicuous opt-out notice before sharing consumer information with nonaffiliated third parties. XXXX XXXX  failed to comply with this requirement. 
3. Privacy Act of 1974 ( 5 U.S.C. 552a ) : XXXX XXXX  and associated CRAs disclosed excessive personal information, including previous addresses, transaction history, and irrelevant details, without authorization. 
4. Certificates of Indebtedness ( 16 CFR 433.1-3 ) : Reporting charge-offs or similar items constitutes unlawful reporting of certificates of indebtedness or income, which is not legally permissible. 
5. Retaliation and Threats ( 15 U.S.C. 1692d ) : Retaliatory actions and threats by XXXX executive office violate federal consumer protection laws. Harassment, coercion, or obstructing my legal rights is prohibited under federal law. 
6. Civil Liability for Noncompliance ( 15 U.S.C. 1681n ) : XXXX  willful noncompliance entitles me to statutory damages of {$1000.00} per violation per CRA for unauthorized reporting and disclosures. 

Concerns Regarding Retaliation XXXX XXXX XXXX executive office has allegedly engaged in retaliatory actions, including : Attempts to coerce or intimidate me into withdrawing legitimate disputes. 
Harassment or verbal threats regarding my accounts and credit standing. 
Obstructing my ability to exercise my rights as a consumer under federal law. 

These actions are not only unethical but illegal under 15 U.S.C. 1692d and other consumer protection statutes.
Product: Payday loan, title loan, or personal loan

I called XXXX XXXX to get help resolving a tax issue. XXXX XXXX said they would negotiate for me. they arranged a loan with Lending USA to pay for XXXX XXXX XXXX services. XXXX  XXXX   then told me that they could not negotiate for me, and so could not provide any service to me. 
Apparently, XXXX XXXX accepted payment from Lending USA for providing no services to me. I complained to Lending USA, informed them that I received no services, that Lending USA would have XXXX to pay if they attempted to collect from me, and if they affected my credit report. Lending USA then sold my phoney loan to XXXX XXXX XXXX, who is now attempting to collect over 6,000.00 from me. lending USA has put a negative item on my credit report. lending USA claims they are not involved anymore and will do nothing to remove the negative item. 
An important, vital refinance of my home is falling through because of lending USA 's negative item on my report. I have a 10 plus year career with the Federal Government, and negative credit report items may cause me to lose my job as well. Consequently, a lawsuit I will file if my name is not cleared could reach into a very high amount of actual damages due to the completely careless and immoral activity of XXXX XXXX and LendingUSA, who worked together to defraud me, and to rip off XXXX XXXX XXXX, and potentially cause irreparable economic damage to me and my family.
Product: Student loan

My federal student loan servicer is EdFinancial, and for the past few payments I've submitted, specifically ones on XX/XX/23 and XX/XX/23, they've somehow " received '' less than what my payment confirmation and bank statements show. For example, I paid {$400.00} for my XX/XX/23 payment, yet they only received {$250.00}, and I paid {$4500.00} for my XX/XX/23 payment and they only received {$4400.00}. Furthermore, after calling about this, they were slow to set up and ticket and didn't have an explanation for why it is occurring. Additionally, I've called about this issue numerous times, and have yet to receive any sort of resolution about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX. Paid on time never late. Monthly payment is {$500.00} XXXX XXXXXXXX Credit card. current account balance is wrong. monthly payment is {$500.00}. never late, no delinquencies. XXXX XXXX XXXX Credit Card. paid on time, never late. Current balance {$21000.00}. MOnthly payment {$1000.00} XXXX XXXX. account closed, paid in full, never late. Account closed XX/XX/XXXX. As a consumer i demand this account be deleted from my record. In accordance with FCRA and CFPB rules, account has met 7yr requirement for deletion. Agency needs to explain why its waiting for 10yr timeline since this account is not related to bankruptcy. XXXX XXXX. account close, paid in full, never late. account closed XX/XX/XXXX. As a consumer i demand this account be deleted from my record. In accordance with FCRA and CFPB rules, account has met 7yr requirement for deletion. Agency needs to explain why its waiting for 10yr timeline since this account is not related to bankruptcy. XXXXXXXX XXXX XXXXXXXX. account closed. paid in full, never late. Account closed XX/XX/XXXX. As consumer i demand this account be deleted from my record. In accordance with FCRA and CFPB rules, account has met 7yr requirement for deletion. Agency needs to explain why its waiting for 10yr timeline since this account is not related to bankruptcy. XXXX. Account paid in full, never late & closed. Account closed XX/XX/XXXX. As a consumer i demand this account be deleted from my record. In accordance with FCRA and CFPB rules, account has met 7yr requirement for deletion. Agency needs to explain why its waiting for 10yr timeline since this account is not related to bankruptcy. XXXXXXXX XXXX XXXXXXXX. Account close, paid in full, never late. Account closed XX/XX/XXXX. As a consumer i demand this account be deleted from my record. In accordance with FCRA and CFPB rules, account has met 7yr requirement for deletion. Agency needs to explain why its waiting for 10yr timeline since this account is not related to bankruptcy. US Dept of EDU XXXX. Account closed, sold or transferred. Account closed XX/XX/XXXX. As a consumer i demand this account be deleted from my record. In accordance with FCRA and CFPB rules, account has met 7yr requirement for deletion. Agency needs to explain why its waiting for 10yr timeline since this account is not related to bankruptcy. 
On XXXX XX/XX/XXXX i sent of copies of my W2, utility bill & drivers license with current address. i was asked to provide this information to prove my identity as a consumer. since i've now provided this information. i now demand the errors on my account be immediately investigated, corrected & removed.
Product: Checking or savings account

Bank of America Unauthorized Debit XXXX from my account on XX/XX/2020 sating that my sons ( XXXX years Old ) account had negative balance dispute was not resolved on XX/XX/2020 and they withdraw from my account without my consent and overall i am not obligated to pay for that amount some one in Bank of America did the the fraudulent transaction on my sons card and that is not our fault mostly nothing to do with me even as per law any responsible party should be obligated for only 5 % of disputed actual amount please help me to resolve this issue we are going through so much hardship due to COVID 19 and upon this kind of issues will harm my family financial situation Reference bank transaction is below is below XX/XX/2020 Show additional information for activity type debit XXXXRECOVERY FOR FORCED CLOSED ACCOUNT XXXX  XXXX  XXXX XXXX activity type debit status type icon cleared Cleared. Select to mark activity type debit XXXX RECOVERY FOR FORCED CLOSED ACCOUNT XXXX XXXX XXXX XXXX as Reconciled XXXX
Product: Debt collection

PATHFINDER CREDIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : ( Acct # XXXX XXXX XXXX XXXX XXXX XXXX Dear CFPB : On XXXX XXXX, XXXX I mailed Pathfinder PCS Credit Services a letter requesting validation of the above referenced account. In fact, I mailed this letter certified mail to provide proof of delivery. On XXXX XXXX, XXXX, this parcel was, indeed, delivered to Pathfinders address as indicated by USPS tracking number ( XXXX ). In that letter I did not refuse to pay, I simply wanted to invoke my rights under XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which grants all Texas residents the right to a proper validation within a thirty ( 30 ) day time frame. If a collection agency cant provide a proper validation, then said account ( s ) must be deleted from all three credit reporting agencies. Moreover, Pathfinders attempt at a proper validation, has  fallen short of the XXXX full legal guidelines thus violating my consumer rights as a resident of the state of Texas. 

Secondly, because Pathfinder werent able to do such a thingto be exact, this very rouge third party collection agency failed to provide a proper debt validation within 30 days, the trade line was supposed to be deleted from all three major credit reporting agenciesXXXX XXXX and XXXX. As of today, they are still reporting this negative trade line on my credit reportsthis being the case even after they received a second correspondence from me on XXXX XXXX, XXXX, informing them that their attempt at a proper validation had fallen short of the legal 30 day time frame. Again, this letter was sent certified mail ( XXXX ) and was delivered in XXXX XXXX, FL XXXX their companys domicile. The reason for the second letteras posit by the XXXX XXXX XXXX XXXX to give them ample enough time to cure notice, which again they failed to do. 

As it stands today, this very rouge debt collection organization is in multiple violations of the XXXX XXXX XXXX XXXX ; mainly for failure to provide a proper validate within a 30 day time period. '' In final, Im in the process of taking legal action against this organization in XXXX XXXX, Texas for multiple violations of XXXX XXXX and Deceptive Trade Practices-Consumer Protection Act XXXX of the Business and XXXX XXXX. Please be aware, I will be filing a civil lawsuit against this company for multiple violations of the XXXX XXXX XXXX, ( including but in no way limited to this organizations failure to obtain a XXXX bond in the amount of {$10000.00} ) and its failure to procure a business license in the state of Texas, both for which are mandated under Texas State law. In addition, Im in the process of filing formal complaints with the BBB of XXXX XXXX, FL, the Federal Trade Commission, and the Texas State Attorney General.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has accepted payments for my 2 credit card accounts and has failed to credit my accounts. I have always made the payments using bill pay from my bank account and the payments process has never been an issue. I also have NEVER been 30 days late with these 2 accounts I have with XXXX XXXX. I processed my payments for my accounts via my bank account on XX/XX/2023, and my bank confirmed that XXXX XXXX accepted those payments on XX/XX/2023. My payment never posted to my account and XXXX XXXX has taken my money. 
I spoke with several representatives from first progress that assured me that my account would not reflect 30 days late if I faxed over the proof of my payments being sent from my bank account. I sent them over the information requested a total of 3 times via fax and XXXX XXXX has still not removed these late payments from my credit report. They have not posted the payments to my account and have not returned the funds either. I demand my account be changed on my credit report to reflect always paid as agreed, removing the 30 days late. I have attached the information for your viewing.
Product: Checking or savings account

Dear Consumer Finance, This complaint is against US Bank. I have experienced tremendous pain and suffering due to this account.

Over a month ago I opened an online checking account with US Bank. I had an unauthorized transaction that took place causing m account to freeze. After numerous attempts of speaking with my supervisors, tellers, bank managers, and spent hours being directed to so many different departments. Not even a month I had unauthorized transaction and my account was closed. Even my account being closed and requesting funds to be given either at the branch or sent in the mail. Its been over a month I have waited to see my refund of about {$1100.00}. I take care of 2 Senior parents,  during that time I had experienced a loss, I suffer from XXXX   XXXX  and I even spent hours letting them know this caused health issues. Their response was they couldnt do anything. The efraud team treated me unfairly and discriminated me and also made assumptions. This company have caused sleepless nights, my health to be worse, and I cant believe they are doing this during COVID. 
This bank has contracted with XXXX XXXX to do Bank products and I happened to be a licensed XXXX XXXX agent team member. I find it so hard just my personal experience alone to see how unprofessional these employees such as supervisors, managers, tellers, horrible customer service, the worst. Misleading information and communication is not there. No assistance given. Still after visits to the branch, making customer service calls early in the morning and at night. Unbelievable and horrible work ethics. Unfair treatments. Banks like this caused my health to fail. If I dont die from COVID, the XXXX, XXXX  and XXXX  this has caused is unacceptable business and bank practice. No refund of my closed account and I was told to wait 90 days to stop a cashier check. No flexibility. No options.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of a collection item listed on my credit report. XXXX BANK XXXX Account XXXX According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumers have the right to dispute inaccurate information on their credit reports. The FCRA requires that credit reporting agencies investigate disputes and correct or delete any information found to be inaccurate, incomplete, or unverifiable, typically within 30 days. Furthermore, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c, provides additional protections by restricting debt collectors from engaging in unfair or deceptive practices in the collection of debts. 

I respectfully ask that you look into this matter further and take this incorrect collection off of my credit record. Once the repair is completed, kindly provide me an updated copy of my credit report and tell me in writing of the investigation 's findings.
Product: Debt collection

XXXX XXXX, XXXX, LVNV Funding reports a collection account with credit reporting agencies. 

XX/XX/XXXX, LVNV Funding sued me for a debt that they claimed they had the right to sue. 

XXXX, XXXX, I filed an ADA accommodation with my employer to protect my job due to absences caused by stress and XXXX  from lawsuit. 

XXXX XXXX, XXXX, I filed a FLMA claim to protect my job due the absences caused by stress and XXXX  from this lawsuit XX/XX/XXXX, LVNV Funding filed a motion for summary judgement against me. 

XX/XX/XXXX, I filed an opposition response for summary judgement. 

XX/XX/XXXX, Case dismissed with prejudice. 

XXXX XXXX, XXXX, I exhaust FMLA 12 weeks allowance. 

Since getting served with summons to appear in court, this lawsuit has cost me time away from work and made me XXXX XXXX XXXX XXXX 

LVNV Funding has never proven or provided proof that at the time the lawsuit was filed, they had the right to sue. The case was dismissed with prejudice prior to trial.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a charge off at a bank account I forgot about of {$20.00}. When I left the account it had {$200.00} in it. The bank charged fees until all the money was gone, and then into the negative. I didn't even know about this charge off, because it never went to collections, didn't show up in my credit report, and I had moved to a new state and was never contacted by the bank. The bank then reported this charge off to Chex Systems. 

When I moved to a new state, I tried to open a bank account. No bank would provide me an account, because of the {$20.00} charge off showing in Chex Systems. I called Chex Systems to resolve the issue. Chex Systems then said I needed to call the bank to resolve the problem. It took XXXX weeks of calling, often times spending XXXX hours on hold, to finally get a person on the phone. Then, they said they would have someone call me about the charge off. No call after one week. Finally, I got a bank representative on the phone. They said I had to mail a check to them to take care of the charge off. This will now take another 1-2 weeks, because of the holidays. So, in all, I've had to go almost XXXX weeks in a new city, without the ability to cash a check, open an account or pay my bills, over a {$20.00} charge that I could have paid weeks ago. I went to XXXX different banks locally, and none of them would provide me with an account based on the Chex Systems charge off. I was prepared to open an account at all three with a $ XXXX deposit, but still, they wouldn't allow me to, over this {$20.00} charge. 

In my opinion, using systems like Chex Systems, is just another way for banks to bully consumers. If they are going to just charge off a negative account, they should report it to the credit agency like any other similar situation. And if they are going to use a system that will end up prohibiting people from being able to open a bank account entirely, they need to make it easy to pay off the amount owed. Making people jump through hoops like this is wrong. Not being able to bank in a new city for XXXX weeks has created a huge amount of problems for me. This is wrong and something needs to be done about it.
Product: Checking or savings account

I opened an account with CitiBank I believe back in XXXX. From the start of the start of this account there were issues. My normal purchases kept being flagged as fraud and required me to keep calling back to get resolved. Cut to XX/XX/XXXX, I find out that my account has been closed and that I can expect my money in 30-60days. Unfortunately this is my only account and source of income, so I go down to the branch to request a refund and they refuse. Ive proceeded to call CitiBank multiple times a week, cutting into my work to try to get a resolve. They told me that the back office who theres no way to contact is handing this and that they can escalate my case. After what feels like 90 escalations, last week they finally told me that the back office replied to them and would be sending out a check of ~ {$2400.00} and that I can expect it in 7-10 business days. I checked back a few days to see if I could get a tracking number or check number with no luck ; the lady told me to call back in 24hrs since she needs to get that number from the back office today I check in and theres no record of any check or anything and Im being put through the back and forth again. At this point XXXX is in a few days and I have no money, Im in desperate need of my refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint and I'm including it again. 
XXXX XXXX, XXXX. XXXX Balance : {$13000.00} XXXX  XXXX Balance : {$28000.00} XXXX XXXX XXXX Balance : {$28000.00} XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX Balance : {$28000.00} XXXX XXXX XXXX Balance : {$13000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to Trans Union requesting the deletion of XXXX tax liens on my Trans Union Credit Report. On X/XX/17 I received a notice from Trans Union that they have confirmed the tax liens as verified and would not be deleting from my report.
The liens in question do not have all the necessary data verification points as now required by the National Consumer Assistance Program as it does not have my DOB and the SS # is incomplete. These should be removed immediately.
Product: Checking or savings account

Wasnt able to open a checking account with Chase bank.
Product: Money transfer, virtual currency, or money service

My wife and I share an account on Paypal linked to our checking account and credit card. We have used the account without any incidents for over 20 years. With no warning or details, our account was disabled by Paypal on XXXX. Phone conversations with customer service reps ( and supervisor ) indicated that they could not tell us why our account was flagged and disabled but that " Paypal no longer wants you as a customer. '' We are a well-off family financially, do not use Paypal to sell goods or services, and 99 % of our transactions are XXXX  or other online retailer purchases. We find it to be very disconcerting that a company that is essential to online purchasing can rudely ban a consumer without any reason or cause provided, no warning initiated, and no appeals process to have a human look over the case. This could be discriminatory based on purchase history or our demographics. We simply don't know and they absolutely won't give any details. Note that we have never had a limitation or case opened either by us or against us on the Paypal platform. This was 100 % a surprise and unwarranted based on the terms of service agreement. This is also apparently something that is commonly happening to consumers with this company.