23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a cortisone shot on XX/XX/XXXX at XXXX XXXX XXXX XXXX in XXXX MI. 
I received the first bill from them in XXXX. I attempted to call to make payment arraignments but never made contact with a human. I left a message and never heard back from any rep at XXXX XXXX. I made my first {$50.00} payment XX/XX/XXXX with a note stating that I could not talk to a human and will make {$50.00} payments each month until the debt of {$540.00} is paid. I have done as promised. I called XXXX XXXX and spoke with XXXX on XX/XX/XXXX ( not sure of the spelling ) to see about a reduction in the fees. She yelled at me that I must pay in full now when the debt total was down to {$290.00}. 
I received a call on my cell today from XXXX XXXX XXXX XXXX agency and a message was left but I deleted it erroneously believing that medical debt can not go to collections if payments are being made. Immediately after the call to my cell phone, I received a call at work. This is totally unacceptable. I did not get the woman 's name but she threatened to report the debt to the credit agencies if I did not pay in full. I told her I pay {$50.00} every month and to never call me again.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I notice that Nelnet is sharing my student records to third parties such as credit reporting agencies XXXX, XXXX, XXXX and XXXX, without my consent. This constitutes a direct VIOLATION of the Family Educational Rights and Privacy Act ( FERPA ) and the Privacy Act of 1974. 
( 20 USC 1232g and 34 CFR 99 ) The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) is a Federal law that protects the privacy of student education records.

34 CFR 99.30 states that : ( a ) The parent or eligible student shall provide a signed and dated written consent before an educational agency or institution discloses personally identifiable information from the student 's education records, except as provided in 99.31.Per the FCRA, and FERPA as a federally protected consumer, I AM NOW OPTING OUT OF ANY AND ALL AUTHORIZATION, I THE CONSUMER, MAY HAVE GIVEN NELNET -WHETHER WRITTEN, UNWRITTEN, VERBAL, OR NONVERBAL TO REPORT MY PRIVATE STUDENT RECORDS TO THIRD PARTIES.
Product: Prepaid card

Cash app aka block inc closed my account due to suspicious activity when I reached out to them the only had a virtual assistant which seemed to be automated and just told me it was closed and I could not re open an account. At the time the account closed I was able to retrieve my funds by transferring to my bank account but cash app didnt allow me to request a valid reason with details on what activity was suspicious nor did they give me the option to speak to a live agent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX have ruined my financial standing. It is so unfortunate that these companies have so much power over a person 's livelihood. I submitted documentation for a legal name change to both bureaus. Rather than updating my information, they created a new profile under my new name. My credit scores tanked because all of my credit histories are under my previous name. I have called every number available to try and get them to merge my accounts but to no avail. 

Instead, I have been passed around to 2nd string representatives who can not assist me with my issue. Equifax sends me from person to person and XXXX does a dance around an automated system. I am not sure what else to do as my " thin '' credit file keeps me shut out from many financial opportunities. The funny thing about it is XXXX got it right! They simply updated my new name and listed my old name under " previous names. '' This is how it should be done at each bureau. 

I am asking for assistance with contacting these reporting agencies and holding them accountable for providing current and accurate information as it is detrimental to my credit portfolio. This incompetence should not be tolerated as many people rely on these agencies to get it right. Thank you for your time and I hope you have a better shot at contacting a competent representative than I have had.
Product: Debt collection

Creditor Name XXXX XXXX XXXX Account No. 
XXXX Original Creditor 11 XXXX Responsibility Individual Condition Derogatory Original Balance XXXX Balance XXXX Date Opened XX/XX/2019 Date Reported XX/XX/2019 Remarks Placed for collection Transunion not letting me dispute on line
Product: Checking or savings account

I bank with PayPal online and I sold an XXXX on XX/XX/XXXX. The buyer waited awhile before filing a dispute saying it was damaged. Well come to dind out the buyer actually lied and shipped the XXXX again oversea to XXXX XXXX from XXXX, Florida. I boughtXXXX XXXX through PayPal to ship fine from XXXX, VA to XXXX, FL which it was delivered fine before buyer had someone in Florida ship it outside the US. Well PayPal knows all this PayPal been made aware of all this and alot with email proof and more yet PayPal stripped the funds out of my account and is holding them even though they found the case in my favor they won't release them and they are not paying me any interest on holding hundreds dollars of mine.
Product: Credit reporting or other personal consumer reports

I am trying on getting rid of this REMAINING FRAUDULENT INQUIRY from my Experian Credit Report, as this was my only issue that I still found lingering and harming my credit record so I am requesting the Experian XXXX to please REMOVE this inquiry within 15 days, I am positively expecting that this FRAUDULENT INQUIRY will be removed when the time comes that I will be updating my credit reports again : EXPERIAN : XXXX XXXX  XX/XX/2022
Product: Checking or savings account

Ok I start from the beginning at the first part of XXXX we had paid a hotel with cash app card XXXX for a month thought everything was fine then we where told the payment didn't go threw and need to pay again but the money was takin from the account and we called and spoke with them and they said that it was taken out so both party where saying they didn't have it and there was really nothing we could do I thought at the time and had to borrow more money to get the bill paid of face legal issues with police so we borrowed more money and just left it alone but we are still out the money then about 6 months later at the end of XXXX almost XXXX we had three diffant transactions that where not are money was missing been transfered about XXXX called them spoke with them they said they check every thing out and there was no miss take on there end and that it wasn't going to be reversed so once again money gone and no help from them at all and about three months ago I had two more transactions XXXX and then another XXXX out of my account people I didn't know never met in my life called them up and they said everything fine in there end and I was lieing and I was like I know XXXX percent that they didn't right and when back and forward with them I filed four different disputes over this same result nothing we can do it looks fine calling me a lier when I know for sure that it wasn't me and it's happened over and over and over again. and so I've stop keeping any money in there at all as soon as any gets transfer I move it out of there so that there can't be anything take us how I been dealing with there problems but at the end of the days I'm still out almost XXXX dollars and I XXXX about the cash app settlement and filed a claim on it to try and recover some of my money and someone told me if I don't tell you guys then I won't get anything from it at all so I'm contacting you to let you know what happened
Product: Credit reporting, credit repair services, or other personal consumer reports

I am still disputing the collection with XXXX for a cancelled policy that was phoned in and cancelled with XXXX XXXX. Their collector RMS is informing that the amount due is XXXX however I received an email from XXXX informing of a diffferent amount XXXX. I am extremely frustrated with this as I have forwarded them a copy of the email with NO RESULTS. I will pay the XXXX but would like the matter to be corrected first.
Product: Credit reporting or other personal consumer reports

I asked for validation from XXXX XXXX XXXX and methods of validation from Experian, XXXX, and XXXX. NO ONE PROVIDED ME ANY PROOF THIS IS MY DEBT. I submited a complaint with XXXX to have XXXX XXXX provide validation of debt. They refused. Then asked the bureaus for methods so I could see what the debt was for. This needs to be deleted from my credit report immediately.
Product: Checking or savings account

On XX/XX/2023 using the " XXXX '' Promotional bonus link I opened the Checking account ending with XXXX. Initially I got a response that " We're reviewing your application '' which was received in email also. Next day, I got an approval email with the account details. Since I already having a credit card account, I am able to enroll the online banking immediately with the same credentials. 

Promotion details : Enroll in online banking Complete two or more direct deposits of {$5000.00} or more within 90 days of account opening and complete 10 or more debit card purchases totaling at least {$100.00} to earn a {$300.00} bonus. 
Availability : 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 or nationwide for those who already have a relationship with U.S. Bank ). 
Expiration : XX/XX/2023. 

As per the promotion terms, I have completed 10 debit card purchases totaling more than {$100.00} and XXXX Direct deposits from my employer totalling {$5000.00}. 

On XXXXXX/XX/2023phone customer support confirmed that promotion eligibility was met and bonus would be posted by XXXXXX/XX/2023. I waited till XXXXXX/XX/2023 and followed up on XXXXXX/XX/2023, XXXX raised an internal ticket for the same stating that promotion code is attached and all the conditions are met. On XX/XX/XXXX, XXXX confirmed the ticket was opened on XXXX and status is still in progress. 

I have followed and met all the promotion eligibility conditions, however bank is refusing to pay the bonus amount {$300.00} citing the reason that account was " XXXX opened '' on XXXXXX/XX/2023which lies outside the promotion window. It is a bait and switch scam by advertising nice bonus and delaying the account opening in their back end to deny the bonus. 

There was nothing done from my end related to account opening on XXXX, all the details are submitted truly and completely on XXXX the last date of promotion. Hence the promotion code was attached to the account by their system.
Product: Student loan

I was recently informed that I did not have to recertify my IDR through Mohela from my pre-pandemic COVID pause recertification date XXXX Tax Year. 

Twice I was misinformed that I had to recertify. The first time I was misleadto recertify was in XXXX of XXXX when I was mislead to submit an XXXX update for the XXXX Tax Year. 

The second time I was misinformed that I had to recertify was over the phone when I was attempting to gain information on my student loan on XX/XX/XXXX. I was again mislead to submit and XXXX update for the XXXX Tax Year. 

I was unaware of the benefit set out by the Department of Education given to every borrower and am dishearted that I was mislead not once, but twice by this company. 

I should also benefit from the rules set about by the Department of Education as every other borrower in the same situation I am in does. 

I request my XXXX calculation be returned to it's pre-pandemic COVID pause state, utilizing the XXXX Tax Year data as I should not have been allowed to recertify until the XXXX date indicated by the department of education.
Product: Credit reporting or other personal consumer reports

I spoke with a agent in regards to a account reporting inaccuracies on my credit report. And under violation of Law U.S.code 1681 ( a ) to delete this inaccurate account under penalty of law they said they. Verified info but didnt I requested that a copy of my Id used to open account a copy of contact signed with wet seal. And a letter from the reporting agency giving them permission to place this account on my credit from me. Be supplied
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax/dispute the following information in my file for XXXX XXXX XXXX : these are incorrect : payment history, balance amount, date of last payment, date of last activity, amount past due, high credit, term./ I also dispute the following information in my file for XXXX XXXX XXXX : these are incorrect : payment history, balance amount, date of last payment, date of last activity, amount past due, high credit, term./I also dispute the following information in my file for XXXX XXXX : these are incorrect : payment history, balance amount, date of last payment, date of last activity, amount past due, high credit, term./I also dispute the following information in my file for XXXX XXXX XXXX : these are incorrect : payment history, balance amount, date of last payment, date of last activity, amount past due, high credit, term./I also dispute the following information in my file for XXXX XXXX XXXX/XXXX : these are incorrect : payment history, balance amount, date of last payment, date of last activity, amount past due, high credit, term./ I also dispute all late payment for XXXX XXXX XXXX XXXX XXXX.
Product: Mortgage

My mortgage was sold to Carrington Mortgage Services in XX/XX/2023. I was current my payments. I paid my XXXX payment to XXXX XXXX  on XX/XX/XXXX because I was not aware my loan had been sold. XXXX sent my payment to Carrington in a bulk check on XX/XX/XXXX. Carrington requested a copy of my bank statement showing my payments had cleared my account. I provided that in XXXX As I was not aware they were showing my XXXX payment wasnt made due to my XXXX payment not being posted. In XXXX they informed me I had to provide the cashed check that XXXX had sent them. I provided that on XX/XX/XXXX. On XX/XX/XXXX they confirmed they received the copy of XXXX cashed check and the payment would be taken care of. If there were any issues they would call me by XXXX that day. As of today XXXX they still have not corrected my account. I now have late charges and have been reported as late to the credit bureau.
Product: Credit card or prepaid card

On XX/XX/2021, I disputed a charge on my Capital One Venture credit card. Per Capital One request, I uploaded a statement, along with supporting documents, explaining the reason for my complaint. Capital One kept responding with generic letters, saying that I did not submit requested information. As I kept asking them to clarify what information was missing over the phone and in writing, and repeatedly uploading the supporting documents, they just kept responding with the same generic statements and never explained what was missing.
Product: Payday loan, title loan, or personal loan

I did not apply for a loan with Mariner Finance. They mailed a live check to me, that I did not ask for or solicit. This implies that they ran my credit report without my permission, and I had never heard or done business with this company. They claim that I agreed to the terms of their loan by signing the check, but I did not receive " Regulation Z, Truth and Lending Disclosures '', After depositing the check, I waited to hear from Mariner for two full months. Finally, I reached out to them myself to get payment details, the term, and to learn how I could make payments. I was told the term was 24 months, so I set up 24 months of payments from XX/XX/XXXX - XX/XX/XXXX. In XX/XX/XXXX Mariner started collections on me claiming I was six months in default. I received no correspondence from them until this notice was sent. In violation of numerous collection laws.
Product: Debt collection

In 2016, I obtained a loan from Lendmark Financial for {$8300.00}. Despite making numerous payments totaling {$23000.00}, my balance remains at XXXX due to some payments being late. As a single mother working as a waitress, I have faced financial challenges, including losing one of my jobs due to inflation. I have continued to make payments out of concern for my credit score, but Lendmark Financial has reported my account as deliquent and their daily calls to my workplace have become harassing. I believe Lendmark Financials practices are unethical and unfairly target vulnerable individuals like myself. I am seeking assistance in resolving this issue and ensuring that companies like Lendmark Financial are held accountable for their actions!
Product: Debt collection

I am filing this complaint against Unifin for harassment, unlawful communication, and violations of the Fair Debt Collection Practices Act ( FDCPA ). Unifin has repeatedly contacted me by phone and text in an attempt to collect a debt that does not belong to me. They are attempting to collect a XXXX debt on behalf of XXXX XXXX that belongs to a third party ( a friend of mine ). I know for a fact that my friend did not provide Unifin with my phone number or address as a point of contact for this debt. 

Unifins actions violate several provisions of the FDCPA, including : 15 USC 1692c ( a ) : Prohibited communication with a third party.

15 USC 1692c ( b ) : Unauthorized disclosure of debt to a third party.

15 USC 1692e ( 10 ) : Use of false, deceptive, or misleading means to collect a debt. 
Despite my formal demand letter sent on XX/XX/XXXX, via certified mail ( tracking number : [ Insert tracking number ] ) and email ( sent XXXX XXXX XXXX XXXX  Unifin has failed to respond or take corrective action. Their continued harassment by phone and text is an egregious violation of my rights, and I am seeking accountability for their unlawful behavior. 

Cited Case Law : Unifin has a history of violating consumers rights under the FDCPA and Telephone Consumer Protection Act ( TCPA ). IXXXX XXXX XXXX Unifin XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Unifin was found to have violated the FDCPA by engaging in unlawful debt collection practices. In this case, the court ruled that Unifins deceptive collection attempts, including failure to provide validation and unlawful communication, were violations of federal law. Similarly, their actions in my case reflect a blatant disregard for consumer protections. 

Other Documented Cases of Unifin Violations XXXX XXXX  XXXX Unifin, XXXX XXXX XXXX XXXX XXXX XXXX : In this case, Unifin was accused of sending unsolicited text messages and violating the Telephone Consumer Protection Act ( TCPA ) by contacting the consumer without consent. The plaintiff successfully argued that Unifins contact was unauthorized and harassing. 
XXXX XXXX Unifin XXXX XXXX XXXX XXXX XXXX XXXX XXXX : In this case, Unifin violated FDCPA 1692c by contacting a third party regarding a debt without proper authorization. The court ruled in favor of the plaintiff, stating that such actions are intrusive and unlawful. 
Given this pattern of behavior, I am requesting that the CFPB investigate this matter, ensure that Unifin ceases all communication with me, and hold them accountable for their repeated violations of the FDCPA. I am also seeking compensation in the amount of {$5000.00} for harassment, emotional distress, and noncompliance with federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX Balance : {$29000.00} ; XXXX XXXX  XXXX Balance : - ; XXXX XXXX  XXXX Balance : - ; XXXX XXXX XXXX Balance : -
Product: Credit reporting, credit repair services, or other personal consumer reports

This   XXXX   XXXX   account was not opened by me and once discovered on my credit report I tried to contact them to advise this account was n't opened by me and I never received any products from them. By the time this account was discovered it was already past due and have negative information reporting to the credit bureaus. I contacted   XXXX   XXXX   to try to resolve this issue and was told since the account was already with a collection agency there was nothing they can do and they provided the third party collection agency number whom I contacted to explain the situation. I advised the collection agency that this account was not opened by me and I have no knowledge of it. I was told to settle the account and they will have it removed from all three credit reporting agency 's and report the information back to   XXXX   XXXX   directly. I was skeptical however that 's what I did. However now the account is showing as paid/closed with late payments which is having an negative impact on my credit. I was given incorrect information from   XXXX   XXXX   as well as the third party collection agency. The collection agency never reported anything to   XXXX   XXXX  , not even the payment. The account was recently updated after filing a complaint to " Paid/Closed ''. I have been trying to get this issue resolved for over a year now and any help regarding this matter is greatly appreciated. After realizing that the third party collection agency coerced me into making a payment without really resolving the issue I contacted   XXXX   XXXX   directly and was told I should not have made a payment that I needed to fill out a fraud affidavit form however its too late to do that due to me making a payment to resolve the account. I tried to work with   XXXX   XXXX   to resolve this issue however I have been unsuccessful in doing so. I also requested that S  XXXX   XXXX   provide any signed contract documents proving this account was opened by me which I have not received, in doing this   XXXX   XXXX  e has violate the FCRA. I have also submitted request to all three credit reporting agency 's for verification ( signed documents ) of debt which   XXXX   XXXX   did not provide to  XXXX ,  XXXX  or Experian nor myself ... however its still reporting on all three of my credit reports by doing this the credit reporting agency 's have violated the FCRA. I have made several attempts with the credit reporting agency 's and   XXXX   XXXX   to resolve this issue with no resolution from either parties. This is the ONLY negative account reporting on my credit reports and I will peruse this issue until it has been resolved.
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