23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

On XX/XX/2019 ( approximately ), I mailed my monthly payment check to USAA Bank on my USAA RV Loan. I mailed a personal check on time for the payment amount of {$180.00}. Unfortunately, the monthly payment was actually {$180.00}. Therefore, I inadvertently wrote my payment check to USAA for XXXX cents short. As soon as USAA notified me of my error via mail, I immediately wrote and mailed a check to them for " XXXX cents ''. During this incident, I was going through a home refi loan. I was soon thereafter informed by my loan broker that USAA issued me a 30 day late on my account to the credit reporting agencies ; due to my XXXX cent error. When I telephoned USAA regarding the issue, I was informed to write an explanation/defense letter regarding the incident and they would conduct an internal review of the incident, in order to determine if their credit damaging action was valid. In one later response, USAA notified me that their final decision regarding my explanation/ defense was deemed " frivolous '' and that the 30 day late that USAA issued to me to the credit reporting agencies was valid. ( Ironically, USAA Bank didn't view their aggressive credit ruining actions regarding my minor XXXX cent error as frivolous ). Since that time, due to my frustration with USAA Bank 's unprofessional action against my credit history, I have recently sent a loan payoff check to USAA, so that I can close my RV loanand eventually end all customer banking services with USAA in the future.
Product: Student loan

I have applied for XXXX  's XXXX XXXX XXXX  XXXX Discharge through Nelnet, which " assists the U.S. Department of Education ( called 'the Department ' throughout this site ) in administering the XXXX XXXX XXXX XXXX ( XXXX ) discharge process. '' I have been deemed eligible ; however, there is a catch. There is a three year ( 3-year ) post-discharge monitoring period from the date the discharge is approved. Why so long? Why does the discharge go into effect immediately as most financial institutions would do? 

The monitoring period is unethical and unfair to people with XXXX trying to manage a daily life. The monitoring period hovers over my credit report for three years. Also, I am expected to earn no more than {$12000.00} per year in the State of Florida. 

This is well below the poverty line, unethical and unjust to expect an individual, human being to have some type of life on {$12000.00} per year. What about food, rent, gas, transportation, medical, XXXX, automobile insurance, etc.? I believe XXXX and/or NelNet should update their policies to reflect anyone deemed eligible for XXXX should have their student loans waived outright from the date of approval. 

It is unjust, unfair, unethical and stressful to allow these types of financial abuses to continue.
Product: Credit reporting or other personal consumer reports

The following 2 complaints were submitted to the CFPB on XX/XX/2024 : Transunion Complaint ID XXXX XXXX  Complaint ID XXXX Dispute # XXXX Transunion has closed the complaint yet did not remove the disputed items. This is not the first attempt to work with Transunion to remove the disputed accounts. Per 15 U.S. Code 1681i - Procedure in case of disputed accuracy, when a reinvestigation is required, the consumer reporting agency must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Additionally, After receiving a dispute notice from a consumer pursuant to paragraphs ( c ) and ( d ) of this section, the furnisher must : ( XXXX ) Conduct a reasonable investigation with respect to the disputed information ; ( XXXX ) Review all relevant information provided by the consumer with the dispute notice ; ( XXXX ) Complete its investigation of the dispute and report the results of the investigation to the consumer before the expiration of the 30 day period under section 611 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( XXXX ) If the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency. 

Per complaint # XXXX ( CFPB complaint for XXXX ) which was submitted on XX/XX/2024, all three reporting agencies received the same documents and only XXXX has resolved the issue in the 30day ( about 4 and a half weeks ) period ( see attached ). Once the disputed items were removed from my XXXX report, the results of a reinvestigation that finds incomplete or inaccurate information in a consumers file is to sent to other such consumer reporting agencies. Transunion is in violation of 1681n. Civil liability for willful noncompliance. 

Dispute # XXXX For XXXX, the complaint is passed the 30 day period per 1681i. There has been no additional information provided to XXXX since the notice of dispute. This means there is no extension of the period to investigate, and XXXX must provide results within the 30-day period, which they have not. XXXX must promptly delete the items of information from the file of the consumer. 

Per 15 USC1581i Extension of period to reinvestigate, except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation.

The consumer reporting agencies are reporting conflicting information. This matter has caused financial strain for months, and must be corrected expeditiously.
Product: Checking or savings account

I have been banking with Zions bank for years my father recently passed away a year ago and Im really upset the business of Zions bank handled things really poorly I had issues with the accounts and they chose not to have me as a customer I have had issues with Zions bank large banks dont do well with me I tend to have issues with large banks because they are owned by the government my issue was I had a hard time closing my account because they wouldnt allow me to close it my mother had to close it because I have had money issues in the past and dont know how to manage it very well I thought Zions bank handled the situation very poorly my father has been banking with Zions bank and he handled all my bills with them helping me pay all my bills I thought that Zions bank could have helps me better I was disrespected at the banks and I just think it could have been better handled with how they treated me. The issue I had with Zions bank also was I had money in my account and was not to be accessed because it was a custodial account and their policies made me upset they wouldnt let me check my balance and it was just not a good bank to bank with Im very disappointed how they handled everything would like an apology I do want to apologize for how I said those lies about the credit card stuff but thats been handled accordingly and that was my fault but the other stuff could have been handled a lot better wish I was treated better
Product: Student loan

I have payments in XXXX, XXXX, XXXX and XXXX stating on XXXX XXXX website that they are missed payments despite not showing on MOHELA website that these payments in XXXX, XXXX and XXXX were paid in full. XXXX payment is completely missing. I have bank statements from my employer supporting that a payment was sent and received by MOHELA. I have not had missed or delinquent payments ever. I would have qualified for XXXX in XX/XX/year> but these payments are not qualifying because it states they are missing. 

XXXX reached out to MOHELA about missing XXXX payment- they stated to wait it out since they are in a transition. 
XXXX reached out to MOHELA and they said they received XXXX payment and to wait for XXXX payment to get posted. 
XXXX reached out to MOHELA about missing XXXX and XXXX payment- said to wait on the transition. 
XXXX called customer service and they stated to fill out a XXXX XXXXXXXX did so dated for XXXX XXXX reached out to MOHELA- was told to wait out XXXX XXXX XXXX XXXX XXXX out to MOHELA about missing payments for XXXX, XXXX, XXXX and XXXX. Told me to wait out for completion of XXXX XXXX XXXX XXXX completed starting XXXX, XXXX, XXXX and XXXX do not qualify due to missed payments and to file a reconsideration for XXXX. Filed a case with student aid. Was closed within hours with no response. Filed another case a few minutes after it was closed. 
XXXX called MOHELA customer service- was told they do not show that I have missed payments on their end and it shows XXXX payment was received. 
XXXX called XXXXXXXX XXXX  customer service was told they do not control anything and that it is the federal government- requested to talk to a supervisor and they already left for the day. Requested a call back with no response.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. List all those negative accounts from your Equifax credit reports.
Product: Debt collection

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned or not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Dear credit bureaus and consumer reporting agencies I did open this account ACCOUNT NAME : ALLY FINANCIAL ACCOUNT # XXXX the original balance reported as XXXX then the balance was recently updated to XXXX this in accurate reporting on a federally consumers profile and must be removed 15 USC 1681b & 15 USC 1681 c-2 I have been disputing this account for over year. This fraudulent reporting is holding my school plans and my profession career and ultimately my livelihood to be provide and protect my family. I have made 3 rd identity theft with the FTC ( federal trade commission ) I ask humbly to all consumer reporting agencies that receive my now 5th complaint may you by law remove this fraudulent account. Thank you
Product: Mortgage

My mortgage was due on XXXX XXXX with a grace period until XXXX XXXX. Given the frantic preparations trying to get my family to XXXX, I did not have time to pay my bills before I left, but I knew I had the grace period and so was okay. When I got to XXXX I attempted to pay the mortgage via the on line payment system as I do every month. I could not log in, and when I went to reset my password, the password never reset and I was never permitted to log in. It appeared that the password was reset but it never worked. I attempted to locate a number to call to pay by phone, but there was no number to pay by phone calling out of the country. The number that did exist could not be dialed internationally. There was also not a number for me to call from out of the country to speak with a customer service representative. At that point my option was to ( 1 ) mail my payment from XXXX ( 2 ) mail the payment from my bank using on-line bill pay or ( 3 ) do neither and resolve the matter when I returned to the States. I opted to do number XXXX because I knew that if I mailed my payments from bill pay or from XXXX, the payment would arrive AFTER my return to the States when the matter would have already been resolved. Immediately upon returning to the U.S., I called WestStar to inform them of the problem and make my payment. I ALWAYS pay my mortgage on time. WestStar said it was my fault the payment was late and would be charging me a late fee. I protested on the grounds that the problem is their system. If they provide a means for customers to make their payments, those means should work and if they do not work, I should not be penalized. It turns out that a glitch in their website payment system does not allow for the passwords to be reset as they should and the customer service rep had to walk me through a process to make the password reset work. WestStar persists in charging me this late fee, which I do n't feel I should have to pay.
Product: Debt collection

Thank you, Someone made a fraudulent purchase to XXXX XXXX on the XXXX on the XXXX of XXXX this year. The amount of {$590.00}. 

They used the paypal credit/bill me later option. 
I only found out a few days ago when someone called to collect a debt as the account was past due. 
I contacted Paypal and spoke to several people. All saying they could not help because it was beyond their 6 month policy. I explained I didn't know about the purchase during the 6 months. I recieved no mail from PayPal. 

I keep my cred in good standing. Please help me keep it that way. 

My name is XXXX XXXX. I live at XXXX XXXX XXXX, XXXX Calfornia, XXXX. 
My phone, XXXX & XXXX. 
PayPal card # XXXX. Exp XX/XX/XXXX Please help me resolve this issue.
Product: Vehicle loan or lease

Ally Financial owes me {$33000.00} and XXXX lbs of gold for failing to rebut my affidavit. I sent Ally Financial an Affidavit of Billing Error Notice. Ally Financial failed to give me a complete disclosure therefore I am rescinding the agreement. 

CONSUMER PROTECTION LAWS Equal Credit Opportunity Act / Truth in Lending Act Regulation Z Fair Credit Reporting Act / 15 USC 1611 - False & Inaccurate information Fair Debt Collections Practice Act / 15 USC 1692 - Debt collection practices CFPB 1026.23 Right of Rescission ( cancellation ) Constructive Fraud as well as actual fraud may be the bases of cancellation of an instrument. XXXX XXXX XXXX XXXX XXXX v XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX ( 1979 ) 15 USC 1605, 1635, and 1662
Product: Credit reporting or other personal consumer reports

Payments were made on time. Payment made to the principal that the company did not accept as a real payment and then payment went into 30 day late status even though the payment had been made. Company refuses to acknowledge this as a payment because it was made under the apply to principal option.
Product: Money transfer, virtual currency, or money service

Ive had a PayPal account for over 25 years. On XX/XX/2023, my friend sent me {$1100.00} to my PayPal account to pay for travel expenses. After the money arrived in my PayPal account, I tried to transfer it to my bank account. On my end PayPal said everything is good. I got confirmation email, etc. 
On XX/XX/XXXX, XXXX days after the money hit my bank account, PayPal took XXXX cents out of my bank account to verify my bank account. No problem. I thought it was strange they did this because they take money out of my bank account when I pay people using PayPal. Then they deposited the {$1100.00} into my bank account, took the money back telling me my bank account wasnt valid. This is impossible! They verified my account on XX/XX/XXXX, taking XXXX cents out of my bank account and then told me my bank account had been disabled. PayPal disabled my bank account so they could keep my money in their interest-bearing account longer. 
On XX/XX/2023, I called PayPal. Calling them is extremely hard from another country. They are only open Monday Friday XXXX. I am in XXXX traveling. Finally, I talked to a supervisor. She told me that my bank account had been disabled by PayPal and that she was able to reinstate my bank account. She could not give me a reason for my account to be frozen. I tried again to transfer my money out of PayPal into my bank account. The E-mail said everything was a go, and once again PayPal disabled my account, keeping the money at PayPal. They had my money for over a month! I want my interest! 
Now, I must pay someone from the PayPal account, and I was able to transfer money to someone else. But I have {$30.00} in the account that XXXX cant move. How much money is PayPal making by lying about disabled accounts? This is a total scam. PayPal needs to be under investigation. When trying to transfer money they only give you choices that benefit PayPal. Like using their credit cards or your PayPal account. 
Their app and web site make it hard to understand which button to click to transfer money out. Im a computer person and there is no way for someone who is older and cant understand computers to know which button to click where. They dont give you options to use your PayPal balance, instead they want you to use their PayPal credit card, so they make money on the interest. Which they are promoting like crazy. THIS IS A SCAM! Test this out yourself. They dont give you options to transfer money out, but rather use their credit card. 
You can not talk to a live person unless youre in their time zone and then you get a foreign person who has no authority to do anything. Id like to sue PayPal for the grief theyve caused me while visiting another country.
Product: Payday loan, title loan, or personal loan

On or aboutXX/XX/XXXX I have obtain a loan from Sunset Finance located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX  their corporate office is located at XXXX XXXX XXXX XXXX XXXX SC XXXX. I was trying to pay off my loan on XX/XX/XXXX. Although i borrowed {$580.00} after merely four weeks I was told that I have to pay {$300.00} extra. I repeatedly asked them to break down the {$300.00} charge on {$580.00} for four weeks, i failed to get any satisfactory answer for their local office later I contacted their Corporate office still did not get a clear ide for {$300.00} charge on {$580.00} for four weeks. It appears that they have sold me some insurance that i did not want or added some fees I am not aware of.
Product: Credit reporting, credit repair services, or other personal consumer reports

My current TransUnion Report contains the same ID Theft data that is on the ( attached ) XX/XX/2018 XXXX XXXX XXXX XXXX Report # XXXX that I disputed and submitted on XX/XX/2018 - cfpb COMPLAINT ID XXXX Closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Honestly I do not know the laws governing this issue or if I have a legitimate complaint. Unfortunately I have a few collections on my report because of myself being on XXXX and just can't pay them. The collections agencies close and open add and remove collections accounts at will. One moment the collection is on my reports and then they close it and remove it which causes my score to go up and down constantly. It is taken off my report and closed and as soon as my score goes back up they report it and open it again. This can't be fair can it? How am I suppose to get to a point where I can get back on my feet to even pay them when they play this game with the credit report. I have contacted the credit bureaus and they say the account is verified but i know this is an automated feature and no one actually looks at the information which is another unfair situation. I have been affected by the pandemic and this is really stressing me out there has to be something that can be done to stop them from playing games with my reports.
Product: Debt collection

I have received an email from this company threatening to put a hold on my social security number, file a complaint with the IRS, and the Attorney General 's office and notify my employer, and press charges against me. After the first email I responded that there was no name on the notice being sent and I wanted proof mailed to me. They do not send anything by mail according to them. I can forward the emails from this company.
Product: Checking or savings account

Company has closed my account wouldnt give me the reason why and I was just simply disputing a charge that wasnt mines and I have a open legal case against chase bank and they never responded to it for years and Ive been a chase customer for awhile until they close my checking account in XXXX  and also told me I have a past due balance on another checking account that was open like almost 20 years ago I didnt authorize and I was in XXXX  during that time and they wouldnt open up a fraudulent investigation on it and never received any letters for that checking account.
Product: Credit card

Charges are scam charges. Already tried disputing with bank company as they did not resolve my issue XX/XX/2023 {$170.00} XX/XX/2023 {$100.00} XXXX XXXX
Product: Credit reporting or other personal consumer reports

The credit bureaus claim that the Account Name and Account Number were properly investigated, but how can that be possible when key information like the open date, date last active, and date last reported are blatantly inaccurate? This is grounds for immediate removal. 

Not only that, but they have also violated my rights under 15 U.S.C. 1681 Section 604 A, Section 2. The law explicitly states that a consumer reporting agency can not furnish an account without my written authorization.

I have never provided written permission for these accounts to be reported on my credit. This is completely unacceptable, and I demand that this be corrected immediately. You are in clear violation of the law, and I will take further action if this is not resolved promptly!