23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit react.The list of accounts below has violated my federally protected consumer rights to privacy confidentiality under 15 U.S.C 1681 Lightstream # XXXX has violated my rights 15 U.S.C 1681 Section 602A States I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 Also states that a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information. Ant other adverse items of information other than records of convictions of crimes which antidotes the report by more than seven years.

15 U.S.C 1681=2 ( ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consumer reporting agency if the the person knows or has reasonable cause of believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

CIG financial is practicing very deceptive and unlawful credit reporting and debt collection practices. 

In the last 6weeks this company has published very controversial, contradictory and fraudulent information to the consumer credit report ( please see attached exhibits ). 

There has been a serious of updates and removal of late payments, followed by the reinsertion of of these false claims, that I'm in debt to this corporation. This company was paid using an open end consumer plan and was paid the day I left the lot. 

Yet, CIG continues these abusive antics in attempt to force me to pay FEDERAL RESERVE NOTES for a 'debt ' : WHICH IS COMPLETELY UNLAWFUL yesterday, CIG Updated the credit report claiming this account is again delinquent. Just last week, this company removed all past due payment history and stated that account has been paid These practices are deceptive, unlawful, and extremely damaging. Please help, I've tried disputes, would like to save the time and energy that will be required to litigate and WIN I'm court.
Product: Checking or savings account

I deposited a personal check on XX/XX/2023 inside a Chase Bank branch ATM, several business days ago for $ XXXX. 
I have deposited similarly large amounts prior into my account over the years, and have never defaulted nor overdrafted, nor given Chase any reason to suspect the legitimacy or credibility of my account or its transactions. 
A hold has been placed on the funds until ( Chase estimates ) XX/XX/XXXX, even though the check issuer bank ( XXXX ) has already posted and released the funds. 
None of the funds have been made available so far, in direct violation of the fund scheduling per Regulation CC ( 12 CFR 229 ) the Expedited Funds Availability Act. Not even the cursory {$200.00} that is required within 1-2 business days. 
The bank is unable to specifically state what type of hold is on the deposit, nor do they have a compliance officer available for fund deposit concerns. 
The bank claims I waived my rights from the Expedited Funds Availability Act when I opened my checking account. 
The bank wants me to do their job and setup a conference call between Chase and XXXX to address the issue. I do not work for Chase bank. I should not have to do their job to access my money that they are holding hostage, illegally. I should not have to take unpaid time off work to fight to access my money that they are holding interest-free.
Product: Credit reporting or other personal consumer reports

Cash 1 Has Not Been Reporting On My Account Since XXXX. I Have Been Making Payments And My Balance At This Time Is Only {$1900.00}. I submitted a dispute with XXXX and XXXX results came back stating that Cash 1 reported the balance as correct that is clearly incorrect.They have been reporting I owe {$4600.00}
Product: Mortgage

Received Notification from TD Bank of New Monthly Payment Effective Date = XXXX/XXXX/XXXX and new Monthly Payment Amount = XXXX ( instead of XXXX ) along with notification of SURPLUS in Escrow acct of {$920.00}. I changed my auto payment to XXXX in XXXX, one month BEFORE the add'l {$10.00} was due, but the auto payment reverted back to the prior amt without my realizing it. I have now corrected the auto payments, I have paid {$280.00} in Late Fees, I have overpaid Principal due, but still have had a late payment reported to the Credit Agency for my {$10.00} (!!! ) mistake. Moreover, multiple calls for a current balance or assistance were unheeded because their automated system does not recognize my acct number. 

I would like for TD Bank to remove the Late Payment from my Credit Report as I have paid 20 times the amount in late fees AFTER being sent a check for {$920.00} for their OVER-WITHHOLDING on my escrow in XXXX. To have the escrow amt increase by {$10.00} & then have the bank use that as a means to not apply the otherwise complete Principal and Interest payment & thereby charge late fees and make a late payment report to the credit bureaus in unconscionable. 

I will pay the late fees etc, but am asking the late payment report to the credit bureaus, which will cost me thousands in increased finance, insurance rates, etc, to pls be redacted. This was a {$10.00} clear & obvious mistake, which could have been quickly rectified if the bank had just called me or had human beings that one could speak to rather then a broken automated " customer service '' system that hangs up and does n't recognize its own account numbers, with no option press 0 or any other means to actually speak to a human.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section XXXX states " There is a need to insure that consumer reporting agencies exercise their own grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( XXXX ) is a financial institution by definition under that title. 15 USC 1681 section XXXX a section XXXX states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( XXXX ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( XXXX ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( XXXX ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( XXXX ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section XXXX of this title and to limit the furnishing of consumer reports to the purposes listed under section XXXX of this title. XXXX and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt-out at any time. '' I am opting out of your reporting services.
Product: Prepaid card

We received an America Express gift card from family at XXXX. We have tried to use it many places, both online and in person, but it will not work anywhere we try. I have also tried to check the balance several times on the website and it always says they have an error and to try again later. It is a {$75.00} gift card and we have not been able to use any of it. Thank you for your help!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reference Pacific Credit Exchange, is reporting paid off closed account on my credit report, the payment status show past due amount {$6900.00}. Pacific Credit Exchange changed the Collection opened date XX/XX/XXXX the open date showing now XX/XX/XXXX generated report date XX/XX/XXXX showing on my XXXX credit report. Pacific Credit Exchange balance was showing {$6000.00} date XX/XX/XXXX now show {$6900.00} date XX/XX/XXXX unauthorized payment these or violations. Pacific Credit Exchange is reporting a incorrect address on my credit report, showing XXXXXXXX XXXX XXXX XXXXXXXX CA XXXX I notify, Pacific Credit Exchange about the change and forwarded it to the post official date XX/XX/XXXX I have attached a copy of my report with the accounts in question circled. I notify the companies that there phone numbers, address is incorrect also the information that shows on the report is incorrect. I have attached a copy of my report with the accounts in question circled. 

Please stop collection on any amount until you prove the request of the information that shows I owe the debt send Date XX/XX/XXXX.
Product: Student loan

Payment histories lack transparency. Every year it takes longer for PHEAA to process my recertification. This appears to be a deliberate ploy. The hit taken on my PSLF credit seems to be increasing while they force me into foreberance. The time they take to reconfigure my payments is increasing, from the latest report of XXXX XXXX, it appears to have dinged my PSLF credit for two months, rather than the 1 month that the rep promised me over the phone. I am submitting a payment history with several issues. I would like a line by line response to my complaints. I would also like a line by line monthly accounting of how each payment is applied and if it is not counted toward PSLF, please provide the reason for that. 
Additionally, my yearly electronic IRS submittal is never " enough '' and the processing of my recertfication is further delayed by having to submit my tax forms and paystub, etc. I am curious if there is a law that says I must take forberance while they recertfy. If there is another way around this that will ensure I will not lose my monthly payments and credits, please advise. This lag in processing is totally unacceptable, manipulative and not consumer oriented. I am tired of having this pattern repeated year after year without resolve. 
While I get my paperwork in way ahead of the game, it 's still the same story.
Product: Credit reporting or other personal consumer reports

In mid-XXXX  2023 I received a notification from my credit monitoring service stating that one of my accounts was being reported delinquent. Upon evaluating my credit report I identified the source of the delinquent account information to be my XXXX credit card. I could not understand how this was possible, since I had set up autopay on that account directly on the XXXX website several years ago and the monthly minimum payments were always withdrawn from my checking account with XXXX XXXX XXXXXXXX . When I contacted XXXX about this issue the representative told me that the issue was the result of IT system failures as a result of systemwide data migration of their system, and that other customers were likewise impacted ( their autopay was also dropped ). I immediately brought my account balance to XXXX. The person that I initially talked to at XXXX was XXXX XXXX , a Resolution Specialist at the XXXX Contact Center . XXXX XXXX assured me that the dispute would be resolved but then she sent me an email stating that the company would not be correcting my credit report. I was shocked by this outcome since the missed payments were not the result of anything I did or failed to do. I then decided to escalate my complaint to a Resolution Manager at XXXX, who took the information but has not been able to resolve the issue. The managers name is XXXX XXXX. 

XXXX credit card acct number XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MD XXXX ( As a XXXX XXXX XXXX who was impacted by a data breach of XXXX Im enrolled in credit monitoring service. )
Product: Student loan

In XXXX I took out a student loan through Nelnet totaling {$10000.00} to attend XXXX XXXX. During that time I used the XXXX  XXXX that I was offered prior to using the {$10000.00}. I then withdrew from the school. The funds were refunded to a XXXX  XXXXCard that was provided to me. I was unaware of this. The company that issued the refund was called XXXX XXXX XXXX. It was later bought out by Nelnet and was check was then issued out with the balance that was on the card. I moved several times during XXXX in XXXX and XXXX. Since I never received the check it was not cashed. I have tried multiple times to work with Nelnet regarding the unused money and was told I had to work with my school regarding it and that they can not help me. XXXX has attempted to help but can not provide information and is ultimately telling me that Nelnet is the one that bought out the company and should have records of the refund. Its been XXXX years of trying locate this refund. It has caused financial hardship and has caused my credit to drop significantly.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have tried to get in touch with the XXXX XXXX XXXX  repeatedly about this situation. They are currently reporting an account on my Credit Report without verifying my information like I have asked them to do. I have sent multiple letters asking for verification of any contracts bearing my signature and they have failed to provide that proof. They continue to " verify '' my account with the credit bureaus but have failed to share the documents that they are verifying these accounts with.
Product: Debt collection

On the first of XXXX, I phone called XXXX XXXX XXXX about a collection notice saying that my scored had dropped XXXX some points due to a XXXX dollars collections owed to XXXX XXXX XXXX. I called made the payment and requested a copy so that I could show paid in full to the XXXX credit agencies as of today, after calling on two more occasion reporting that I never received an email as promised to show that I paid and so that I could send to the XXXX credit agencies to clear my record and to increase my score as I am trying to make a big purchase and I need my score to reflect the positive score that I had until. I was treated with utter disdained and disrespect from the individual who was on the phone. Even the manager treated the incident as if it was not important or did not require expediency by saying that they will send it but only I would have to wait 24 hours. After several weeks, 24 hours has come and gone and I still have not received an email nor any other form of communication from XXXX XXXX to reflect payment made. This is a request for a receipt for payment made for which I have performed my part to settle the payment in full yet, they have not provided me a receipt with a simple email. All three times I called I got the same run around with them saying, " our record show that you paid and we sent an email. '' I kept telling them no email has ever been sent from them since the first of XXXX and if it was I would not be on the phone with them talking because it would not be of a need. But they were all very non-chalant in their demeanor and I have yet to get a credible receipt for what I paid to show it was paid in full as promised. Therefore, I pray your office can stop this madness from this giant collection agency who represent XXXX XXXX XXXX. I will await to see what this office can do to intervene. These are trying times and if I, who owns a XXXX XXXX XXXX newspaper, is getting treated like this I pity those who are less likely to even follow through and lose everything due to collection fraud as XXXX. XXXX is demonstrating. Maybe they are too big to care. But I do and I hope the CFPB care about the people as an intercessor on our behalf. Thank you for your attention to this matter of importance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX and XX/XX/2020 I have submitted disputes with the Experian credit reporting bureau regarding inaccurate and false information listed on my credit report. One of the accounts that I disputed had late payments that were not late I've requested this information to be updated from both the creditor and the credit reporting bureau. They continually say that they have investigated the item and have opened and closed the case within hours. Typically an investigation takes up to 30 days. They have not investigated or verified any information to be accurate because if they did they would have updated it to show that the payment history is never late. Additionally there is an account that does not belong to me that has appeared on my credit report as opened in XX/XX/2020. I do not have an account with this company I do not have any obligation to this company and this information is being reported falsely. This is not my account and I want it deleted. Experian refuses to verify the accuracy of this information and have told me that they are under no obligation to prove that this account is indeed mine. They simply say they report whatever the creditor tells them to.
Product: Credit reporting or other personal consumer reports

IMPROPER USE OF MY CREDIT REPORT In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! 
Under XXXX XXXX XXXX. XXXX section XXXX says " | have the right to Privacy ''. XXXX XXXX XXXX section XXXX A section XXXX " It also states a consumer reporting agency can not furnish an account without my written instructions ''. 
Under XXXX U.S.C XXXX B " A creditor XXXX not treat a payment on a credit card account under an open-end and consumer credit plan as late for any purpose. 
Please update the following accounts as paid, never late. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

NATIONAL CREDIT SYSTEM INC has been reporting an negative account on my Consumer report since XXXX XXXX  with attached balance of {$3200.00}. I do not know who this person is/are and have not given permission to to obtain any of my personal data. This leads me to confusion particularly to how said debt is owed. The said debt is being verified by XXXX, XXXX, and XXXX somehow as valid. I have disputed the issue with all bureaus and have not been successful in resolving the matter. In addition to multiple letters sent to XXXX XXXX XXXX # XXXX, XXXX, TX XXXX which resulted in being returned and XXXX XXXX XXXX. XXXX, GA XXXX with no response. Interestingly the Bureaus have been able to communicate with NATIONAL CREDIT SYSTEM INC and confirm said debt is valid. Per FCRA 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) items excluded on a consumer report include a report containing information solely as to transactions or experiences between the consumer and the person making the report. NATIONAL CREDIT SYSTEM INC, XXXX, XXXX, and XXXX are in violation of the law by reporting such transactions. Permissible Purposes of Consumer Reports Section 604 ; 15 U.S.C. 1681b Investigative Consumer Reports Section 606 ; 15 U.S.C. 1681d Legally Permissible Purposes. The FCRA allows a consumer reporting agency to furnish a consumer report for the following circumstances and no other : 1. In response to a court order or Federal Grand Jury subpoena. 2. In accordance with the written instructions of the consumer. 3. To a person, including a financial institution, that the agency has reason to believe intends to use the report as information for any of the following reasons : a. In connection with a credit transaction involving the consumer ( includes extending, reviewing, and collecting credit ) ; b. For employment purposes ; 8 c. In connection with the underwriting of insurance involving the consumer ; d. In connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality that is required by law to consider an applicants financial responsibility ; e. As a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation. f. Otherwise has a legitimate business need for the information : i. In connection with a business transaction that the consumer initiates ; or ii. To review an account to determine whether the consumer continues to meet the terms of the account. iii. In response to a request by the head of a State or local child support enforcement agency ( or authorized appointee ) if the person certifies various information to the consumer reporting agency regarding the need to obtain the report. ( Generally, this particular purpose does not impact a person, such as a financial institution, that is not a consumer reporting agency. )
Product: Credit card or prepaid card

Every month I look at all my credit cards to make sure, everything is on time and running smooth. XX/XX/XXXX I looked at my capital one card statement and saw that my auto payment had gone through on XX/XX/XXXX. XX/XX/XXXX I went to setup new auto pay on a new bank account I had just opened when I saw my account was past due a payment and I had incurred a late fee. I immediately called capital one customer service to let them know I needed to update my bank account autopay and if they could waive the late fee. He said of course for it was my first time. ( Never did he mention XXXX payment had been returned and that was past due. ) I looked up my fico store because our family is looking at purchasing a house. It said my score had taken a massive hit due to 30 day late payment. I immediately called capital one to see if there had been a mistake, when they said the payment had been returned. I asked why I was not notified and they said the system doesnt notify because they assume you have the funds. I said that is terrible customer service what can we due to fix this. They said nothing, which brings me here.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently went on lending tree to get some quotes about car re-financing and they ran my credit without my knowledge and brought my  credit score d own. I spoke to them several times and I have not received any feedback.