23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

Hello. I recently suffered through a tragic act of nature that forced me out of my home and into a new home where the rent was significantly more. I took out a loan through Lendumo not reading the fine print out of desperation and expecting to be able to pay off the loan relatively quickly. Circumstances beyond my control have prevented me from being able to pay off this loan and I am realizing the extreme predatory nature of this company. I have paid more than double what I was lent and none of it has been applied towards my principal balance. This company has deducted a weekly amount of {$75.00} from my bank account and is uncooperative towards my plight. They have even deviced a strategy that has made it impossible for my bank to stop the payments so I could come to a reasonable settlement agreement with them outside of the gargantuan interest they are blatantly stealing from me weekly. I need help please. I am willing to make a reasonable agreement but what they are doing should not be legal and I am at a loss over how they could possibly be allowed to do this to a hard working XXXX such as myself. Please help.
Product: Vehicle loan or lease

On XXXX, i requested a 10 day payoff figure from Hyundai finance for my automobile. A week later, having received no response, i contacted them again. On both occasions, they requested the last four digits of my SS # as well as my birth date to ensure I was the correct party. Instead, they sent me a secured message that provided me with the information for XXXX XXXX XXXX XXXX of XXXX XXXX, Ca.First, this is an unauthorized disclosure to me by Hyundai ; but, now I wonder whether or not they in fact sent my information to some other party making for another disclosure. 
The amazing part is they also asked for my e-mail. So, i do not comprehend how they made such a foul up. 
After receiving this incorrect information, I did call again and ask for a supervisor who really didn't seem concerned that this occurred.
Product: Credit card

We had a Zions First National Bank credit card, opened in XX/XX/XXXX. We made all payments on time, never late. We stopped using the card but kept the card open. 
In XX/XX/XXXX we moved from XXXX to XXXX. 
The card has an annual fee which was always paid on time when billed. Because of the move we did not receive the bill and the issuer added late charges and fees to the annual fee. They never called either me or my husband to let us know we had a balance and to collect, we are both over XXXX and this should have been a factor. 
When I finally received the bill 3 months later forwarded from my old address I called Zions. I paid the entire amount including fees and late charges ( {$25.00} annual fee with late charges totaled {$75.00} ) and they said they would pull the negative credit reporting. I also closed the account due to their obvious lack of valuing us as a customer and lack of customer service. 
The issue today is that the negative 30 day late is still on our credit reports. They reported it as closed by credit grantor which is inaccurate because we requested it be closed, It is the only negative item but it affects our overall credit score. 
I 've called Zions bank XXXX times and they request that I send a letter explaining what happened each time. I do n't know what they do with the letters because they should have them in triplicate at this point. 
Due to our ages and previous payment history the fact they never called to find out why we had n't paid an annual fee but instead adding late charges to it, borders on elder abuse, and I feel it should be reported.
Product: Debt collection

I started a XXXX XXXX  program that promised hands on experience, a number I can call for help with any questions as well as a XXXX  but I had to pay XXXX until XXXX was paid off I was excited but I was realizing everything they promised me I was not getting. XXXX XXXX would call every week to Explain real estate all the coach did was explain a bunch of information fast without giving me any space to talk or ask questions at the end when he finished he would give me homework on things I had no idea about and told me if I don't understand to email him or call a specific number. I reached out to him in email and he would never respond and I would call the number and they would never respond either it was an automated voice that said they would just call me back but never did at the beginning I was told I was going to get all this amazing help and there was no way I could fail but every time I needed help I was ignored I was angry and I wanted to cancel I emailed them including the coach and he told me to call that same number and of course I never got a response back when it was time for payment I actually did get a call from the company they called and told me I had to pay and I told them I've been trying to get a hold of them to cancel this program they said after 3 days of enrolling there's no possibility of cancellation I told them that I did not want to pay for something when I was not getting any value especially when I had some personal things within this time that was a better use of that money I was told they could put it on hold but still had to pay I told them I would pay the first month because I did do it but I was no longer going to pay after, I searched up the company Monterey Financial services which is in XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX California, # XXXX and they have a 1 star rating I read the reviews with people saying its a SCAMM I wish read it earlier but I really believed what I was told. I have disputed this on multiple credit bureaus multiple times amd have a police report stating that this was a SCAM and each time it was removed! Now its coming back but only one of the credit bureaus not the others, I disputed it and sent police report and it has not been removed. How would they have removed it 2 other times and on other credit bureaus as well but this time they are choosing to keep it in there it makes no sense this is a company that is known for scamming yet still being able to trick people till this day.
Product: Debt or credit management

Lexington Law violated my consumers right to privacy according 15 USC 1681a ( 4 ) ( a ) Accuracy and fairness of credit reporting. ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. Lexington Law breached my personal information and promised to have my credit clean, but it was used for marketing and advertising purposes I'm seek damages for my reputation and breach of my information.
Product: Credit card or prepaid card

I disputed a charge on card ending in XXXX ( Citi Premier ) that occurred on XX/XX/XXXX for {$400.00} ( XXXX pesos ) at an unknown business named CLIP MX*PEKES. 
The dispute was subsequently denied, but 1. This charge is 100 % fraudulent and this particular business does not even exist and/or is legitimate 2. I was unable to provide adequate detail over the phone because I was on vacation and in transit ( hard to hear and respond ). Detail to reopen my claim is below : On XX/XX/XXXX I was transiting from XXXX, XXXX to the XXXX XXXX very early in the morning. Card ending in XXXX was in my possession until we needed to stop for gas at XXXX XXXX for the legitimate {$55.00} ( XXXX pesos ) charge. At this service station, the attendant took my card and went inside the service station and out of view to charge it.The card was not in my possession at this time, nor was it in view. The fraudulent {$400.00} charge was certainly made at this time, and Id imagine the time stamps are close together since he was out of view for approximately 7 minutes ( unless time stamps can be changed on terminals ). There were XXXX others in the car that can attest to the card being out of my possession and who were with me for the duration of the day, thereby witnessing no transaction for {$400.00}.
Product: Credit reporting or other personal consumer reports

Breach of Privacy : My personal and financial information was compromised without my authorization. The Family Education Rights and Privacy Act ( FERPA ) protects the confidentiality of student records, this breach is a violation of FERPA and its their responsibility to safeguard my information. Given the severity of this breach and resulting compromise to my personal and financial but also putting me at risk for identity theft by XXXX XXXX and affiliates by accessing my personal and financial information without my authorization. I request that my student loan debt be forgiven and discharged immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, the credit reporting agency Equifax announced that it had experienced a major security breach that led to the compromise of nearly XXXX XXXX XXXX consumers very sensitive personal information. The breach according to Equifax went on unnoticed from mid-May XXXX through XXXX XXXX. The information included consumer 's names, birth dates, social security numbers, and more. This information is all that a person who wishes to commit identity fraud would need to succeed. This loss of information, and furthermore the mere fact that this breach occurred, is unacceptable. 

As if a breach was n't bad enough, Equifax 's attempt to assuage all of its customers, which is every single XXXX, was lack luster. The website that they set up to check to see if a person was affected, https : XXXX, seemingly does not return a meaningful result ( https : XXXX ). This is extremely concerning, given that when I personally used this website, it claimed that I was affected. If I can not trust the result of this website to determine if I have been affected or not, what is my alternative? Equifax has failed to provide any clarification on this, so I remain unsure if I have been affected or not. In addition, it has been demonstrated that the website was erected in such a short time, that it was poorly secured itself XXXX https : XXXX ). This website asks for XXXX digits of your social security number to verify impact, which if the website being used to check impact is insecure itself, the risk of other people losing their financial security becomes almost guaranteed. 

I can not help but feel totally helpless in this situation, where my financial security, and many other XXXX consumers financial security, is unknown. 

Other references : https : XXXX https : XXXX? outputType=default-article & deferJs=true
Product: Credit card

Navy Federal Credit Union charged me credit card interest in the amount of {$2.00} on XX/XX/scrub> 2024. This was unexpected, as I had setup their automatic payment system to pay my credit card 's statement balance in full every month. 

On XX/XX/scrub> 2024, I noticed this charge and called Navy Federal Credit Union to ask why I was charged interest. I was told that I was charged because my payment was late. I stated that this was unexpected, as I was using their automatic payment system. The agent told me that I had automatic payments setup for the XXXX of every month, which was after my due date of the XXXX. I did not recall choosing a date. I asked the agent to change the payment date to be on or before the due date. The agent did so. 

I had setup the automatic payment after a related incident. On XX/XX/scrub> 2024, Navy Federal Credit Union charged me interest for a late payment. As of XX/XX/year>2024, Navy Federal Credit Union had considered my payment 2 weeks late ( due date XX/XX/year>2024 ). Navy Federal Credit Union made no attempts to notify me that I had an overdue payment, and I only caught it because of a vague banner at the top of Navy Federal Credit Union 's website that asked something akin to " Are you struggling to pay your bills? '' The charge on XX/XX/year>2024 also surprised me, as I believed I had set up automatic payments then, too. However, Navy Federal Credit Union 's website showed that I had no automatic payments. This may have been my mistake ; I'm uncertain. 

It is strikingly difficult to setup automatic credit card payments with Navy Federal Credit Union. To setup automatic credit card payments via Navy Federal Credit Union 's website, a payment must be due. When a payment is not due, there is no way to setup an automatic payment, and there is no information published on how one might do so. There are numerous reports on websites such as XXXX from apparent Navy Federal members who believe it is not possible to setup automatic payments at all. 

It feels that there is an inherent dishonesty in the way that Navy Federal Credit Union are processing payments and handling notifications of due and past due payments.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Debt collection

Southwest Credit Systems are reporting XXXX account balances I have from XXXX. XXXX balance is {$810.00} and XXXX balance is {$610.00}. I want to pay XXXX balances in full. In exchange, I would like SCS to remove these accounts from my credit report. As I understand, reporting to credit bureaus is voluntary and the company has the discretion to remove the entry. Since there is no law requiring the entries on my report, I think removing them immediately after I pay the balances in full is fair. The account for the {$810.00} is now time barred. The statute of limitations has run out on being able to collect it. I still want to pay it if the entries are removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, EQUIFAX ARE BREAKING THE LAW UNDER Under 15 U.S Code 1681b- Permissible purposes of consumer reports I never gave them any written consent to report anything on my consumer report, No consent is IDENTITY THEFT.
Product: Debt collection

This disregard for the law, specifically the Fair Credit Reporting Act ( FCRA ), which mandates the investigation of disputed information, is unacceptable. I am writing to express my extreme dissatisfaction with your company 's failure to address the inaccurate information on my personal credit profile, particularly concerning the account : XXXX XXXX XXXX
Product: Credit card

XXXX interest and fees are XXXX payed the account off and they took my credit limit form XXXX  to XXXX that is not good business i paid off the XXXX balance and the fees were so high it ate my payment of XXXX
Product: Credit reporting 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 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 or other personal consumer reports

XXXX, TransUnion, and XXXX is reporting inaccurate information on my report.
Product: Credit card or prepaid card

I applied for and was granted the Barclay XXXX XXXX XXXX in XXXX of 2016. At that time, they offered to waive the annual fee of {$990.00} and provide 0 % interest under SCRA benefits for XXXX XXXX military members. They have since rescinded that offer, and are now charging the annual fee of {$990.00} if I continue to retain the XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to update my personal information. My date of birth is listed incorrectly, and my address. I submitted documents with my address and ID, and still, they refuse to update my date of birth and remove all incorrect addresses. I do not leave at these addresses and would hate for my mail with personal information to be sent to these addresses which leaves me open to fraud.
Product: Money transfer, virtual currency, or money service

My XXXX XXXX  account was closing, so I decided to bank with Wells Fargo instead. I made my initial deposit of {$1000.00} to them ( {$500.00} for Checking, {$500.00} for Savings ). 
I was accepted and they took the money, and only later come to find out that they closed my account ( s ) down for no reason. 
The issue I'm having is, they didn't even give me a check for the {$1000.00} I put into those accounts or made an attempt to reverse the transaction. I've called multiple representatives at Wells Fargo and I've told the same thing over and over, that the {$1000.00} was never put into the account. But this is a bold-faced lie. I have the Transaction Confirmation from XXXX XXXX  telling me differently ( with tracking numbers from with Wells Fargo 's name in it ) and they unlawfully took {$1000.00} without attempting to reach out and give it back to me. 
So in short, Wells Fargo owes me my missing {$1000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several rounds of dispute letters to the bureaus however I have not received any response until now.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$660.00}, {$0.00}, {$1600.00}, {$2300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$660.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNTS 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has a credit inquiry from me which was not authorized This shows as a hard inquiry on my credit report and I'm requesting it be removed..
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS DISPUTED DOES NOT BELONG TO ME, THESE ACCOUNTS HAVE CAUSED TREMENDOUS DAMAGE TO MY FILE AND NAME. I HAD NO KNOWLEDGE OF THESE ACCOUNTS UNTIL I RECENTLY PULLED MY CREDIT. PLEASE CONSULT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE DEROGATORY REMOVED.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act # XXXX in Experian XXXX Account in my account SELF/XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
Collection accounts XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1300.00} Status Collection account. {$1300.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1300.00} Status Collection account. {$1300.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$310.00} XXXX XXXX account. {$310.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$89.00} Status Collection account. {$89.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$960.00} Status Collection account. {$960.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$960.00} XXXX XXXX account. {$960.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX, XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1100.00} Status Collection account. {$1100.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$200.00} Status Collection account. {$200.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX I Potentially negative Date opened XX/XX/XXXX Balance {$1200.00} Status Collection account. 
, 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 In XXXXXXXX XXXX XXXX View Account Details Account owner Individual Account Date reported XX/XX/XXXX Account status Unpaid Original Creditor XXXX Date assigned XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX View Account Details Account owner Individual Account Date reported XX/XX/XXXX Account status Unpaid Original Creditor XXXX XXXX Date assigned XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
View Account Details Account owner Individual Account Date reported XX/XX/XXXX Account status Unpaid Original Creditor XXXX XXXX Date assigned XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Details Account owner Individual Account Date reported XX/XX/XXXX Account status Unpaid Original Creditor XXXX Date assigned XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX View Account Details Account owner Individual Account Date reported XX/XX/XXXX Account status Unpaid Original Creditor XXXX XXXX Date assigned XX/XX/XXXX XXXX XXXX XXXX  View Account Details Account owner Individual Account Date reported XX/XX/XXXX Account status Unpaid Original Creditor XXXX XXXX XXXX XXXX XXXX Date assigned XX/XX/XXXX XXXX XXXX View Account Details Account owner Individual Account Date reported XX/XX/XXXX Account status Unpaid Original Creditor XXXX XXXX XXXX Date assigned XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022 a hard inquiry from XXXX XXXX ( XXXX ) appears on my credit which I do not recognize and have not done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need these removed from XXXX XXXX EQUIFAX I've send them copies by mail and fax.