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

I have taken out XXXX loans with Upstart. Over the past few months, when attempting to access my accounts with a representative on the phone or through the Upstart website, XXXX of the loans are unavailable. Representatives can not find the loans in the system. Although Upstart loans are offered and reported to the credit bureaus under the Upstart name, Upstart representatives are unable to service or even view certain loans. As a lender, there are certain responsibilities that Upstart has to its customers. Simple servicing of loans is XXXX of them. Drawing payments and reporting to credit on loans that their representatives can not access is unacceptable. From a consumer standpoint, a company is failing when it can draw payments on XXXX account, report negative credit markers on another account, but can access neither when a customer seeks to take action on loans. Without access to loan accounts, customers have no remedy for late payments and are left to sit and watch while their credit scores are decimated because of Upstarts inability to do the most basic of things - service its loans. I have repeatedly asked for assistance from upstart representatives, to no avail. When I request documentation of XXXX particular loan that is impacting my credit, I receive documentation regarding an entirely separate loan. The level of confusion and disorganization at Upstart is such that, in my mind and likely the minds of other customers, the company brand is little more than XXXX of abject negligence regarding its most basic responsibilities and blatant disregard for consumers. 

As of the date of this complaint, Upstart has not produced any documentation on the loan negatively impacting my credit, and has provided no options to pay the loan and make it current. They repeatedly tell me that they can not find it in their " system, '' and are giving me no option but to seek remedy through external sources including CFPB, the State Attorney General, and potentially legal action.
Product: Checking or savings account

A payment was processed by accident that was going to overdraw the account. I sent messages to the vendor, to the transaction company, and to the bank to prevent the transfer, but all three dragged their feet and, 3 days after I requested the transfer be stopped, my account was charged. I continued correspondence with all three entities to reverse the transaction over the next two weeks, over which time the charges were rejected and then re-submitted 3 more times, all while I was begging for any opportunity to fix the issue. Regions did nothing but blame me as they purposefully allowed this transaction to post over and over until they had extracted more than {$100.00} in overdraft fees, the last of which occurred days after I had confirmed the payment was refunded in my correspondence with both the vendor and the transaction service. We should not incentivize banks to parasitize the working classes.
Product: Debt collection

I settled my credit card account with XXXX and after I paid as per my agreement they sold the debt to Midland, I told Midland I settled with XXXX and Midland then filed a collection lawsuit against me.
Product: Bank account or service

Yes I had an agreement with someone to purchase an item for XXXX. I sent that person the money for the item. After a week of him saying he will send the item, I do n't hear from him for a day or he ignores me. After a week, he says he needs more money before he will send what I paid for. He of course is refusing to refund the money. I filed a dispute with my bank and sent them the original proof for the agreement to send the item, and then another picture showing where he said he needs more money before sending. The dispute team for my bank refused to refund the money. On their website, it says in covered by Visa Zero Liabilty for fraud, however they will not agree that o deserve the money back.
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 TransUnion credit bureau must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following dates ) : XXXX XXXX XXXXXXXX XXXXTransunion XX/XX/2024. XXXX XX/XX/2024. XXXX. 
These dates do not agree with each other, that is inaccurate information. 

It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me. 

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15. 



You have 30 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would time fore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, XXXX XXXX TransUnion or all that apply ) and update the accounts to positive. 

Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX, I took out a XXXX for a {$100.00} XX/XX/XXXX gift card ( XXXX installment agreement of $ XXXX ). The XXXXXX/XX/XXXXis XX/XX/XXXX. My card was successfully charged {$25.00} on XX/XX/XXXX, with the XXXX of XXXX payments being next due on XX/XX/26. I never received the gift card, nor did I ever receive any email confirmation of the purchase. Customer support was not helpful in resolving my case, and XXXX days later, I'm still without the gift card.
Product: Debt collection

In XXXX or XXXX my wife and I went to XXXX Fl and was required to sit in on a timeshare presentation. At the end we sat down with an individual from the presentation who talked to us about a vacation timeshare who also advised we had 90 days to cancel if we decided it was not for us. We did make a payment but we also canceled within the 90 days. Sometime later when we decided to purchase a home this appeared on my credit and has been growing ever sense. I do not owe any amount on this because I canceled within the time I was told. This has ruined my credit and I did take the steps to delete this from all three credit Burroughs but they did not delete it. I want this deleted forever from all three Burroughs. My wife has spoken to Monterey Financial and explained all of this more than once, she also recorded the conversation that included them verifying that we must pay in full and cant use the package until paid in full, as well as other ppl are paying this same package so my wife said that is double dipping and illegal! She recorded this information so that it can be handed over to a lawyer if this is not resolved before hand in an easier manner. The amount was first around 4900. But has more than doubled since the beginning. XXXX XXXX  was the timeshare company and Monterey Financial is the one reporting to my credit, XXXX
Product: Mortgage

I have had a shortage in my escrow almost every year since I opened my loan in 2009. My taxes nor insurance have increased in these years. In fact they decreased. I applied for a modificiation in the beginning part of this year. At the time I applied my mortgage was current. I have not missed any payments. My Escrow is currently short {$700.00} as well as {$720.00} of my payments were applied to fees. I should n't have any fees because my account was current and still is current. A representative told me that there was no money applied to my escrow XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This needs to be corrected as well as investigated because I should n't have a shortage in my escrow every year.
Product: Bank account or service

I was a victim of Identity theft in XXXX 2014. A credit card and debit card was opened under my name through USAA. I called USAA and had the account flagged. I gave USAA a passphrase in case I needed to unflag the account. They never wrote down the passphrase. 

In XXXX, I needed to unflag the account. When I called USAA, they said that they needed to authenticate me and it would take a couple of days. They said they would call my number in 48 hours. They never contacted me. Due to XXXX, I had to wait a couple of months to get back in contact to unflag my account. 

XX/XX/XXXX, I called USAA to unflag my account, and this time they asked to authenticate me by a phone number. The phone number on the account is incorrect, and I was told that in order to change it, that I needed to log in on USAA.com to change it. That would work, but my account is flagged, so this is impossible. I was told they would escalate my issue with a back department that would call me back in 24 hours. This never happened, and every time I called over the next XXXX weeks, I was told the same thing. 

I finally decided to go to the USAA XXXX page to see if I could get better support from them. A lady named XXXX called me saying that I should call her extension to get the problem resolved. However, when I called USAA again, I was told I had to be authenticated to be able to contact her.
Product: Money transfer, virtual currency, or money service

I am formally express my concerns regarding Zelle handling of disputes particularly in light of the recent CFPB LAWSUITS HIGHLIGHTS SIGNIFICNT issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately.they informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible.the CFPB 'S findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Student loan

I attempted to pay on the due date issued and made my payments before the due date. The lender then reversed my payments every single time except for the first time. They told me my account was mislabeled and that was the cause for the reversal but this was a lie as I had checked through their system and everything was in order. They then tried to blame me and my bank for the issues despite my conferring with my bank thate everything was in order.
Product: Credit card

Ihave a capital one credit card and they keep charging a intrest charge on my statment evry month even when i pay my full balance. In there own statment you have a 30 day grace period. I have contacted them and asked them to correct the promblem but it is still continuing. After i recieve my stament i remove the intrest charge and pay the balance i owe and right under the intrest why? I have been keeping a close watch on this but if its happenig to me how many other poeple have not and are paying intrest when they should not.
Product: Checking or savings account

I opened a Truist checking account in the branch XXXX XXXX XXXX XXXX, XXXX NC XXXX with XXXX XXXX on XX/XX/2023. I tried to open the account online but I have a fraud alert on my credit report so I had to go into the branch in order to open the account. There was a {$400.00} bonus for opening the account and making 2 direct deposits of {$500.00} or more and you would get the bonus within 4 weeks of the qualifying deposits. I have made 4 deposits of {$1000.00} and I have still not received my bonus. I reached out to XXXX who reached out to the promotions team and they stated the following Since the direct deposit requirements have been met, the {$400.00} XXXX reward will be processed and credited to qualifying checking account within 4 weeks and can not be expedited. As long as the account remains open, an eligible account type, and in good standing ( i.e. balance must not fall below {$0.00} ). My balance has not fallen below XXXX and yet I have still not received my bonus money. I feel that I did everything necessary. on my end to ensure that I receive the bonus and I would like to know why I didn't receive it before closing my account. I am not going to keep it open if Truist doesn't stand by their promotions.
Product: Student loan

Hello, I received private loans in total of about XXXX from XXXX. I pay my monthly bill, which ranges from XXXX dollars over the decade. Majority of my pay goes to interest, so if i pay XXXX, XXXX goes to interest and only XXXX goes to principal. 10 years later, i now owe XXXX. There is no end in sight. This does not seem right and they will not reduce my payments or interests to help me pay off my debt. Can you help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22, I contacted Lundquist Consulting Inc. ( LCI ) requesting a copy of my consumer report. The reason is because they are sharing false information to XXXX about me in the form of a bankruptcy. They responded stating that they do not have the authority to provide me a report that they are furnishing about myself and I have to contact the data source directly to request changes or a deletion of the information. However, they said they obtained the information directly from the federal bankruptcy courts which I know is false because the courts do not provide such information to any credit agencies or third parties. Not only are they lying, but they are also breaking the law. 

Their misuse of inaccurate information has caused me tons of trouble in the process of buying a home for my family and is ruining my credit reputation. 

I have proof from another data furnisher showing the bankruptcy is not on my report.
Product: Mortgage

I had my mortgage loan with XXXX. In XXXX my sister, the co-borrower, died and I put in a claim with my MI. XXXX never responded and instead sent my mortgage to a Mortgage loan servicing agencies, first Bayview, XXXX, later Community and now Community sent it to XXXX. 
This is bogus. XXXX and its assignees are trying to steal my home. 
I have not missed a payment to Community. 
During Covid-19, I took benefit of Cares Act and waived 4 mortgage payments, according to Cares Act, I could have waived 180 days, 6 months, I only waived 4 monthly payments. 
After Deferral period, Community sent me a new monthly payment which was higher then before Cares Act and I stated payment had to be same as it was before deferral. Community changed amount to close to what it was before Cares Act and I have made my monthly mortgage payments each month. 
Around XX/XX/XXXX, I made 2 mortgage payments to Community, by mistake, and emptied my bank account. I asked Community to refund the second payment and silence from Community.

Community instead shows me in default, is trying to collect {$8000.00} plus from me and now has my house in foreclosure. What the XXXX XXXX???? 
Please help me. This is my home. XXXX and all their assignees should be fined for stealing from homeowners. 
Please contact my niece XXXX XXXX at XXXX XXXX XXXX as she is helping me. 
I am XXXX plus years old, XXXX in XXXX XXXX, XXXX XXXX XXXX in XXXX XXXX, and stuck with a huge mortgage. My payment is {$1000.00}. and my Social security is {$1000.00}. Help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Inquires on my XXXX I have reached out to all creditors and XXXX to ask theses unrecognized inquiries removed immediately, but no luck. 

The FCRA states that the only permissible purpose for pulling someones credit report is : Firm offer of credit. 
XXXX XXXX court order. 
Employment I recently pulled a copy of my credit report and noticed inquiries that I did not authorize and do not Fit A, B, C, or D above. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these inquiries from my credit report, as they WERE NOT AUTHORIZED!!!!!!!! 





Re : Transunion Inquiries on my credit report I have reached out to all creditors and Transunion to ask theses unrecognized inquiries removed immediately, but no luck. 

The FCRA states that the only permissible purpose for pulling someones credit report is : Firm offer of credit. 
XXXX XXXX court order. 
Employment I recently pulled a copy of my credit report and noticed inquiries that I did not authorize and do not Fit A, B, C, or D above. 

See Attachment
Product: Checking or savings account

Since XX/XX/XXXX I tried to withdraw a money from my account thru a check I drop since 2 weeks before. After they told me they need some verification and I did everything but until now they not releasing the money and cant use the account the total amount in my Truist account is XXXX $ I would like to have access to my account or have my cashier check ready to go bank with another company
Product: Checking or savings account

was working with a woman name XXXX who is suppose to be a landlord or becoming a realtor, I was apt and house hunting I was referred to a woman name XXXX XXXX helped people with less then perfect credit. 

So I decided to reach out she I took a look at her stuff if look legit plus I met someone who she helped and she showed me proof that XXXX helped her. So after sone talking I sent my payment for the price we agreed on and she kept asking for more and more and I denied I said no so she took my money blocked me and didnt refund. Ive since then filed a police report and contacted cash app and will be contacting my bank. 

Cash app is stating I can get my money back even though shes using a whole business cash app under the name XXXX. This isnt ok or fair to keep letting people get scammed. Shes had her account since XXXX  so shes had it awhile I also called cash app support and they told me nothing they can do. I spoke with a rep named XXXX he wasnt helpful at all. Im done with cash app after this been scammed a few times no help My police report number is XXXX I gave them her name the app name she does business under her cash app tag and I have pictures of her Ive also filed a complaint with the ftc Im uploading the screenshots of her telling me its XXXX $ and to cash app her then she will get started and Ive heard nothing because I wouldnt give her XXXX $ more she lied point blank period I filled a claim with XXXX which Ill be filing another they responded and said they would be reaching out and Ill attach response to attachments and my response I was scammed from XXXX she didnt help me with anything took my money and did no work for me they are letting her get seat with stealing cash app lets people Scam and didnt help people who are victims with proof
Product: Credit reporting or other personal consumer reports

As I was reviewing my credit profile, I noticed this unauthorized inquiry that is not mine.
Product: Credit reporting or other personal consumer reports

I filed a dispute with Experian explaining that they were inaccurately reporting the account status and payment history from XXXX of my creditors named Rent XXXX. Experian is reporting this account closed when it should be open. Experian is also missing several months of payment history from Rent XXXX. I called XXXX Dispute department on XX/XX/2024 in an effort to fix this issue, but they were unable to help me. A female representative hung up the phone on me twice, and I eventually spoke with a representative by the name of XXXX and he was unable to help me. I also contacted Rent XXXX and they provided me with documentation showing that the account should in fact be open. Despite all of this, Experian has continued to report this account as closed. Experian is the only reporting agency incorrectly reporting this account.
Product: Checking or savings account

On XX/XX/2018, I opened an M & T Bank Account based on an offer displayed online -- coupon code " TN ''. Immediately after opening the account, I was informed the coupon " TN '' did not apply correctly, and therefore the bonus will not be applied to the account after direct deposit, even though it was advertised and opened based on the offer.
Product: Credit card or prepaid card

Capital One will not allow me access to my statements claiming my account is " restricted '' and they refuse to satisfy my request because my telephone land line number was changed two months ago and put in my spouse 's name. I can not receive statements in the mail and they refuse to discontinue online access. I have no access to my account at all.
Product: Debt collection

The collection agency knew the amount was in dispute and still reported to the collection agency that I owe the debt. The collection agency sent me a paper that clearly says XXXX   XXXX is 100 % responsible for payment. I did not agree to pay for any services since I did not request it and I was fully insured by XXXX XXXX. I am requesting they remove the debt from my credit reporting agency and or clearly mark this debt is in dispute by customer. 

The collection is in bad faith and unethical knowingly reporting a debt it knew I was placing in dispute. IMMEDIATE ACTION IS REQUESTED!
Product: Credit reporting or other personal consumer reports

I am aware that I am protected by the Fair Credit Reporting Act ( FCRA ). This allows me to dispute and request corrections for inaccurate information on my credit report. In addition, the Act mandates that your bureau provide me with a complimentary copy of my credit report within a specified timeframe following the submission of my letters and Ive never received anything after waiting 30 days. 
Previous address is reporting wrong. Please do your investigation. The Employee information is wrong. The XXXX says that you have to investigate. Im asking you to do that. 

According to the FCRA, credit reporting agencies are required to maintain accurate and current records of individuals ' personal information. Such mistakes damage people 's faith in the system in addition to being illegal. 
I'm XXXX a lot of XXXX because of these mistakes. This situation is XXXX me. Though these errors could have been avoided, I've worked hard to maintain my good credit. These mistakes damage my financial reputation ; they're more than just numbers. Because it involves defending someone's rights and clearing a record, I beg you to take immediate action on this significant issue.
Product: Debt collection

Account is being reported on credit report, and the debt is passed 7 years old which is past the statue of limitations. Debt is no longer allowed to be on credit report.