23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I made my fourth of three monthly payments to the servicer in XXXX, which made me eligible for their Get Current Program, which meant that my past due payments would be brought current, and I would be enrolled into their direct debit program moving forward. On XX/XX/XXXX, I checked my bank account and realized the XXXX payment hadn't been withdrawn, so I made it over the phone. It was not debited from my account until XX/XX/XXXX. This also mea n't my payment was more than 60 days late and the company reported a late payment to the credit bureaus. 
On or about XX/XX/XXXX, I spoke to XXXX with Firstmark Services, and explained to him that I made my XXXX payment but that it was not debited and I had to make another payment as soon as I realized. He said if they researched the call and found out I made a payment, my payment that posted on XX/XX/XXXX could be retroactively applied to my account and I would be credited with a XXXX payment, and I would qualify for the Get Current Program. He needed me to find out the exact date and time of the XXXX call, which I did after spending an hour on the phone with XXXX XXXX XXXX. I called and gave him the information and to this day and 6 calls later, have not received a response. XXXX also said they could retract the late payment report to the credit bureaus. I made another payment in XXXX so as not to have another hit to my credit. Despite being provided with he information XXXX requested to resolve the issue, I have never received a call back.
Product: Credit card or prepaid card

My Home Depot store credit card, managed by Citibank, was paid in full and on time in XXXX. Citibank cashed the check but failed to update my account to show that payment was made. Consequently, they proceeded to add late fees, report my account as delinquent to the credit bureaus, significantly lower my credit balance and engage in a DAILY campaign of harassment. I receive collection calls EVERY 3 HOURS daily and 1 email per day, reminding me to pay an outstanding balance that I do not owe. I have informed Home Depot AND Citibank on multiple occasions that I paid my balance in full and do not owe them any money. Additionally, I have faxed them proof of payment TWICE, yet they REFUSE to update their records.
Product: Credit reporting or other personal consumer reports

LexisNexis sent me an email today at approximately XXXX asking me to verify my documents this is a Stall Tactic!! all of my documents were uploading to the 1st complaint which has not been resolved. i already attached a copy of Driver License, showing proof of my name, DOB, address along with a picture. following behind another attachment to my file was my Social Security, and Bank Statement showing name, & proof of address. LexisNexis is using Stall Tactics. My next step will be filing a lawsuit against and going to the attorney general. about this consumer company for a breach of my privacy rights they went onto pacer website took my Information from public records and reported it to the credit Bureaus which has caused me distress that is a breach of my privacy rights. I demand LexisNexis to delete this from my file and there system immediately. attached below is the first initial complaint against this company LexisNexis violated my privacy rights. they took my Information off of Pacer Service Center and gave it to the Credit bureaus. According to the fair credit reporting act all information must be 100 % accurate and reported through the original creditors bureaus. In this dispute the original creditors is the United States Bankruptcy Court. I have documentation stating they do not report nor verify any Information with any of the Credit Bureaus nor LexisNexis. In this case my privacy rights was violated by LexisNexis I Demand this Public Record to be Deleted from My file Immediately.
Product: Credit reporting or other personal consumer reports

TransUnion is in violation of 15 U.S.C. 6802, 15 U.S.C. 1666b, XXXX XXXX XXXX XXXXXXXX. CODE ANN. 20.01 20.13, CAL. CIV. CODE 1785.11.2, 15 U.S. Code 1681i, Paragraph ( 5 ) The Credit Reporting Agency is in violation of 15 U.S.C. 6802, 15 U.S.C. 1666b, XXXXXXXX XXXX XXXX XXXX. CODE ANN. 20.01 20.13, CAL. CIV. CODE 1785.11.2, 15 U.S. Code 1681i, Paragraph ( 5 ) .... My rights by the FCRA, EOCA, and Privacy Act are in violation by the unaffiliated 3rd party ( s ) this complaint is going to. For items that have been placed on my credit report. I have included attached documents of these items. As per 15 USC 6802 ( b ) and ( c ). I was never provided the knowledge of the opportunity to opt-out of my personal information being reported. I then was also not provided knowledge and instructions on how to opt- out of my personal information being reported. In addition I have late payments that are being listed that were never verified and violated my rights per 15 USC 1666b. Both the credit furnisher and reporting agencies are in violation of these acts. They are unable to provide adequate verifiable proof. Lack of this acceptable proof based on the claim is lack of Corporate Compliance and a crime. If the proper recordings matching the letters are not rectified within 30 days and updated immediately with proof of the update. I will next exercise my rights to take legal actions. Since both parties are currently the acting fiduciary agents over my entrusted interests and information. I will bring claims against every company and pressure an investigative review in pursuit of remedy.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$530.00} ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I am filing a lawsuit against Cashapp *Block Inc. ) Due to inadequate customer service and unfair practices which violate customer financial protection act. ( CFPA ) Cash app failed to take timely effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive as they did not comply with era resolution requirements under the electronic fraud transfer Act. ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

A Destiny XXXX was opened up in my name using all personal information, I have never signed up for any card from this company. The account number last 3 ending in XXXX I will call the company tomorrow, to get this cancelled asap. This is Destiny XXXX Phone number is XXXX
Product: Mortgage

I have been trying since XXXX of 2014 to remove PMI from my mortgage loan. Despite XXXX written letters and numerous calls, there has been no response from my lender. This is costing me {$150.00} per month for unnecessary PMI.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending this complaint because Equifax is misreporting an account. I sued the company XXXX XXXX XXXX and I won the case on XX/XX/XXXX. 

Account information is as follows : XXXX XXXX, date opened : XX/XX/XXXX, closed date : XX/XX/XXXX, credit limit : {$7600.00}. 


Equifax must stop reporting this account as soon as possible. 

Please see attached proof of case won.
Product: Checking or savings account

Acct XXXX I submitted a claim on XX/XX/2024 regarding a charge from a XXXX in XXXX with an email address of XXXX or XXXX. The bank stated that they needed additional information AFTER I already sent them emails that I sent to the merchant asking about my order and them giving me excuses. I asked the Merchant to cancel my order and they never responded. They provided a bogus trackin number that states my order was delivered but did not have an address on the confirmation. I attempted to provide AGAIN eveything NavyFederal asked and they said that they did not get the upload and could not resolve my case allowing for this merchant to steal XXXX from my checking account. I had to send a request via email message to appeal the claim for an order I never received from a merchant that is clearly fraud. Navy federal has failed me as a customer regarding this claim and have left me with no choice but to complain. My account can be hacked into or something fraudelent take place and they will let this happen is unacceptable. I told them if it is not resolved I am closing my account and will continue to pursue what matters necessary to assure that they acknowledge their unwillingness and support regarding my claim and protection of my assets that I currently have with them. I would have never had to go through this we my previous bank XXXX XXXX and considering going to back to doing business with them.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regrading Zelles handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claim. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle not only neglected to protect consumers but has allowed repeat offenders to exploit the systems leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following XXXX XXXX  checking account listed on my Chex Systems Consumer Report : XXXX is a fraudulent account and not my account : Ending In : XXXX, balance : {$4600.00}. I never applied for or opened a checking account with XXXX XXXX XXXX.
Product: Mortgage

My loan maturity date was XX/XX/2023. I sent in the final payment online banking, like I have done for XXXX years. XXXX week later, I noticed the money was not withdrawn but sitting on their end waiting to be applied. I called Key Bank and the XXXXXXXX told me it takes a while to be applied since it is a large amount. Weeks later I received a letter telling me my account is in default. I called, explained and the situation seemed to correct itself. However, the letters kept coming and no one could explain why the money was sitting on their side. I have since payed the full amount plus a hefty fee since they kept telling me that my account was in default. I am seeking my interest payments back from the company for the last XXXX months and they are not willing to provide me with an answer. Since then, they reported the account to the credit bureau as being XXXX days in default which lowered my credit score by XXXX points. They will not withdraw this notification to the credit bureau.
Product: Debt collection

XXXX XXXX, 2015 Amount = XXXX This is a account that I have no knowledge of and would never pay a collection agency money. I would go to the original creditor if this account was mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB complaint to dispute the accuracy of my credit report. After reviewing my report, I have identified an erroneous accounts that are negatively impacting my credit score. According to the Fair Credit Reporting Act ( FCRA ), it is the responsibility of credit reporting agencies to ensure that the information on credit reports is accurate and up-to-date. I am requesting that you investigate these accounts and make the necessary updates to ensure that my credit report is accurate. The following account is erroneous and should be updated and corrected from my credit report : XXXX XXXX Balance : {$0.00} - I am reaching out to request confirmation of the payment history and status of this account. Based on my own payment records, I believe that the information being reported is inaccurate. I have always made my payments on time and have not been late on this account. However, the records you have presented do not match up with my own. I respectfully request a comprehensive investigation into this account and ask that any necessary updates be made to ensure legal and lawful accuracy. Thank you for your attention to this matter.
Product: Debt collection

Account was open on XX/XX/XXXX with a credit limit of {$250.00} plus unemployment and XXXX insurance which was paid on time till XX/XX/XXXX, when I became ill and out of work the account balance was {$69.00}. I contacted the insurance with no result, by XX/XX/XXXX I was contacted by Chase -Bank regarding the closing of the account which I agreed, also late payments and fees, I was given the opportunity to settle the account by allowing Chase-Bank to make XXXX automatic withdrawals of {$81.00} each starting XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX from my checking account. 
Copy of my account automatic withdrawals are enclosed. I hope this information clarifies your records and reestablishes mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account : XXXX XXXX XXXX XXXX # XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2019 Balance : {$29000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Car was in an XXXX XXXX but not repossessed and I paid off the loan but it says it was repoed.
Product: Credit reporting or other personal consumer reports

I recently did an investigation on my credit report. I discovered unverifiable, invalidated, inaccurate and questionable items on my credit profile ; and Transunion didn't ensure these accounts were reporting XXXX XXXX  correct. Transunion has continued to show no regard for and disrespect for the law. In accordance with the Fair Credit Reporting act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual of whom the information relates ; and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( XXXX ) these accounts are in violation of not reporting XXXX XXXX accurate. Transunion stated that the XXXX accounts ( XXXX : XXXX XXXX : XXXX ) were properly investigated and came back as verified ; however this is clearly not true when their are several inaccuracies showing on my report! As a consumer, I would like to know all the steps this agency took to ensure these items were XXXX XXXX accurate under 15 U.S.C. 1681i ( XXXX ) Method of verification- description of reinvestigation procedure.
Product: Credit card

I sent a letter via XXXX mail on or about XX/XX/2023 to the following mailing address : Card Services XXXX XXXX XXXX XXXX, XXXX XXXXXXXX This was a request to open a dispute for a transaction with PayPal-RalphLauren made XXXX XX/XX/2023 XXXX the amount of {$990.00} XXXX submitted this dispute within 30 days of the transaction. As of today, I have not received any correspondence regarding this dispute. I request that the full amount be credited back to my account and that all the interest charges accumulated over the time be credited as well.
Product: Credit reporting or other personal consumer reports

When I checked my credit report this morning, I was stunned to find inaccurate accounts on it, and I cant figure out how they got there. I always check my report, and nothing like this has ever happened. I refreshed my browser, thinking it was a glitch, but the accounts were still there. I need the documents I submitted to be carefully reviewed so that this situation doesnt keep haunting me.
Product: Credit card or prepaid card

My husband and I had planned a trip through XXXX airlines, but due to Covid, we had to cancel. The extension originally offered from XXXX was about to expire and I needed another extension. I looked online and found the phone number for XXXX, called the number and I explained my situation. They told me that for {$75.00} for each of the two tickets, they would extend my travel funds until XX/XX/XXXX. They charged it to my Visa credit card and I received an email confirmation. On XX/XX/XXXX, I called XXXX to make a new reservation and they informed me my travel funds had expired. I explained that I had gotten an extension but they had no record of it. It turns out that the company I called had no affiliation with XXXX. They took my money and provided nothing in return. I called Visa yesterday and they originally told me " They had my back on this '' and reversed that {$150.00} charge but when I called the fraud department as they told me to today, they told me they could not reverse it because the charge was posted XX/XX/XXXX. I explained that there was no way for me to have known prior to yesterday that it was fraudulent.
Product: Debt collection

A XXXX XXXX contacted our office and asked for ( head attorney ). I asked what is was in reference to, he said ( name of decedent ). ( Our office was indeed the law firm of record for the named decedent. ) I told him the attorney was unavailable and he left an ext. of XXXX and reference # XXXX. I identified myself and he pressed me for confidential details of the decedent : SSN, DoB, DoD etc. I told him I would not divulge any of that information and he became angry and combative. I told him to have a nice day and hung up. 

Abusive and intentionally vague to the point of being disingenuous ( and I'm being polite ). Someone not working in a law firm may not be familiar enough with their rights and be bullied into providing these cretins with confidential information. Worse, they could be forced into settlement with a creditor to the detriment of the probate estate and, quite possibly, unintentionally breach their fiduciary duty to the beneficiaries of the decedent.
Product: Payday loan, title loan, or personal loan

Purpose of the complaint : This complaint is filed against Oportun for illegally sending me threatening letters to extract additional funds that I do not owe them. I contacted the company about my denial in writing and they persist with this action. Being a XXXX XXXX XXXX XXXX of XXXX descent on social security fixed income, I believe that this company is targeting me with price gauging and elderly victimization. The price gauging is in reference to their adding charges to the loan for the approved XXXX month payment deferral for COVID-19 they extended to me. The elderly victimization is in reference to Oportun never having any automatic monthly debits of {$260.00} returned unpaid for insufficient funds, over the 33 month term of the loan, in spite of my limited income. Added to this, the company urged customers to pay off their loan early without penalty. I paid off the loan earlier than the term date. 
Details of the complaint : In XXXX, my family had a financial crisis, and because Oportun had been sending me loan solicitations for about XXXX years, I decided to apply to them for {$2500.00}. I was surprised when they approved me for {$6000.00} with a {$21.00} fee added for Florida document tax. The total loan amount was {$6000.00} for a 33 month term from XXXX XX/XX/XXXX. I signed a promissory note electronically to complete the contract for repayment of {$8600.00} at a 27.13 % rate. The monthly automatic payment due on the XXXX of each of month was XXXX @ {$260.00} and 1 XXXX. The first payment was submitted on XX/XX/XXXX and paid by my bank on XX/XX/XXXX. This was done exactly each month until XX/XX/XXXX. I responded to Oportuns offer to defer payment for XXXX month due to COVID-19 assistance. This was reflected in extension of the last payment being XXXX/XXXX/XXXX instead of XX/XX/XXXX. The payments resumed monthly on XX/XX/XXXX. But since I had incurred more expense in XXXX for my husbands burial, I decided to pay off the Oportun loan, to lower my debt. Therefore I called Oportun customer service and asked to cancel the automatic payments because I wanted to pay off the loan. The XXXX confirmed that the XXXX and XX/XX/XXXX payment was {$520.00}. The next day, XX/XX/XXXX, I went on the Oportun website and according to the amount on their system, I paid {$520.00} for XX/XX/XXXX and XX/XX/XXXX payments. On XX/XX/XXXX I went on the Oportun website again and paid {$260.00} the amount charged by their system for the last payment due on XX/XX/XXXX. With the XX/XX/XXXX payment, total paid was {$8600.00}. Total repayment of the loan on the promissory note I signed on XX/XX/XXXX, was {$8600.00}. My debt was paid in full. Therefore, I do not owe Oportun any additional funds. Attached are copies of all payments processed and paid by my bank. A document is attached showing a copy of all payments my bank made to Opportun from XX/XX/XXXX to XX/XX/XXXX