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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Money transfer, virtual currency, or money service

I transferred money for my family from overseas on XX/XX/2023 by XXXX. The phone number I sent was the previous phone of my family member and I am not informed about the change of new phone number. I contacted several times to the recipient XXXX XXXX XXXX but she kept asking my ID and not return my money back. The XXXX XXXX Police Department advised not to release my ID or other information. 

Please review the documentation attached to this complaint and help my children. My XXXX kids are going to school and they depend only on me for daily living.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, XXXX, XXXX and Tansunion are reporting my personal information without my consent. I see fraud accounts, addresses, names, date of birth and more. As a consumer I've already reported these issues with FTC, CFPB and all companies more than 5 times. The companies removed my account then later attached it back on my credit report. I get back the same responses and no results. This problem and unlawful acts has been going on for more than 2 years. Please review the attached documents to support my issue.
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 
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 XXXXXX/XX/year>
Product: Vehicle loan or lease

Loan began XX/XX/XXXX. I have always paid XXXX XXXX monthly, {$34.00} extra each month ( which has never been applied to principle ). I have also made extra payments each year. For XXXX, XX/XX/XXXX and XX/XX/XXXX I made no payment, and my statements for those months had {$0.00} balance due. In XX/XX/XXXX, the total {$950.00} payment was applied to finance charge, as has each successive payment for the year XXXX. I called in XXXX, XXXX and XXXX trying to get my account corrected and have had 3 different solutions applied. I was promised, on my last call with someone names XXXX, that my whole account would be recalculated, the {$34.00} extra monthly payment applied to the principle and appropriate principle and finance charges adjustments made. I was told it would take care of the problem of my payments from being wrongly applied. My principle did change and adjustments to my payments for XXXX, XXXX and XXXX were made. But again in XXXX and XXXX, my total XXXX XXXX  monthly payments were applied to finance charges. My interest rate is supposed to be 4.5 % simple.
Product: Mortgage

This is related to complaint # XXXX filed on XX/XX/2020. The company ( Citizens One Home Loans ) responded on XX/XX/2020. It appears that Citizens has corrected their transaction errors, and adjusted my mortgage balance as well as escrow account. 

However, I pulled a credit report this week, which shows incorrectly that my XX/XX/2020 mortgage payment was late. This payment was on-time, but rather than posting it correctly, Citizens sent me a check for the full amount. On the advice of one of their customer service reps I held the check for several weeks, then returned it on XXXX. 

I have asked XXXX to remove the incorrect late payment record from my file.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX  XXXX XXXX Balance Owed : {$710.00} - tied up
Product: Debt collection

I mailed a letter to the company on XX/XX/XXXX about the debt. 
I called the company on XX/XX/2010, XXXX, XXXX. 
I called the company in XXXX to dispute the amount. 
I sent a certified letter with evidence, payments etc that the information was incorrect, and it was signed on XX/XX/XXXX they received the informaation. 
I called the company on XX/XX/XXXX to see if the certified letter was received, with a copy of emails that were sent, checks that were mailed, etc, and they stated that it was my word against their word, and said that they couldn't help me.
Product: Mortgage

This complaint is about discrimination XXXX I'm XXXX, intentional mismanagement & refusal to speak to me as recently as XXXX XXXX despite the mortgage Co signing for certified letter from XXXX XXXX HUD counselor & I. My fiancee passed XX/XX/XXXX, I provided all documents to Cross Country Mortgage, in writing via email repeatedly for months yet was told by XXXX that they won't spk to me b/c i'm not the owner of home! the county already rec'd/recorded his death cert that I'm owner upon death survivorship. The Mortgage Servicing Co : XXXX XXXX XXXX had the wrong amount due for monthly mortgage since XX/XX/XXXX. XXXX would also consistently send documents via snail mail & hardship or other applications in the mail but would postmark date 1 or 2 days before deadline to return it. See attached proof. I filled out online hardship application on XX/XX/XXXX but it was deleted is now out of database, they've completely locked me out of the acct online & then foreclosure started without them even speaking to me nor notifying me, yet they've known my email address since XX/XX/XXXX. INSTEAD They sent LOSS MITIGATING PAPERWORK TO HIS daughter AT MY HOME ADDRESS!!! BUT SHE HAS NO CLAIM TO THE HOME & THEY REFUSED TO SEND IT TO ME. They would refuse to email or call me, made promises to call me & assign a rep to me but refused to do so EVEN after I filed a complaint with the Attorney General 's ofc in Florida, they only acknowledged it but never responded to me. I've filed several complaints with their attorney XXXX XXXXXXXX XXXX XXXXXXXX but never got a response nor resolution. I even sent them documents that show I am the primary beneficiary to his life insurance to show I can make the payments but still no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to a temporary situation financially of having to care for and pay for my mother ( XXXX XXXX ) funeral and burial out of my own pocket and alone which caused me to have some late payments earlier in my loan. I have worked diligently to keep them up and consistently on time. I have never absconded and have been tirelessly in communication about the account. The agency ( XXXXr ) agreed thru a goodwill gesture to update my account and I was told they would rid any late payments statuses to all 3 reporting agencies and late payments would state ( zero ) or none. This is extremely important now because I had a background check performed and this was revealed to my employer. It could jepordize my future employment and other current situations by this reporting. This damage would be irrepairable and permanent. My plan is to pay this account in full by XX/XX/2020 and have put things in place to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint to LEXISNEXIS I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting.

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( block inc ) they had unfair practices, which violated the consumer financial protection act ( CFPA ) specifically, Cash App fail to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute Resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic fraud transfer act and regulations e. Actions have caused significant inconvenience and financial loss and I speak appropriate address for these violations.
Product: Student loan

My loans were transferred from  XXXX   XXXX  to Navient. When I took out my loans originally, the only option I could get was variable interest rates. I have almo st 70k  in loans that were given to Navient. My monthly payments are clos e to 1k, bu t I am actually LOSING ground on these loans because they have jacked up my interest rates betwe en 8.5-11.5 %.  They say these are based on credit scores -- mine is over  XXXX , and I have always made my payments. I have tried to contact their advocate about my interest rates multiple times and have never gotten a response. I even had a conversation about my loans during which their reps told me that I have " no options '' because I took out a " Smart Option Student Loan '' with  XXXX   XXXX .  <P/> I WANT to pay off my loans, I do n't want to default to get a settlement and ruin my credit. I am a   XXXX   XXXX   XXXX   and make les s than 40k per ye ar, I need Navient to lower my interest so I can start actually making headway on my loans.
Product: Credit card or prepaid card

My credit limit with American Express was lowered overnight to reflect that I had already spent an amount over the new limit. This is illegal under the The Credit Card Accountability Responsibility and Disclosure Act passed in 2009. 

I called American Express for assistance with my account but they refused to assist me and instead asked me invasive questions to " verify my account '' that I had never been asked before. When I informed the agent that I called with my own questions not to answer hers, she refused to assist me further.
Product: Debt collection

Calls from : XXXX XX/XX/2021 - XXXX EST XX/XX/2021 - XXXX XXXX EST XXXX - XXXX EST Calls from : XXXX XX/XX/2021 - XXXX EST XX/XX/2021 - XXXX EST XX/XX/2021 - XXXX XXXX EST XX/XX/2021 - XXXXXXXX XXXX EST XX/XX/2021 - XXXXXXXX XXXX EST XX/XX/2021 - XXXXXXXX XXXX EST There are a lot of these calls dating before XXXX hen answered, I hear dial tone and hangs up on me. If I call back, there is 'no record ' of my number in their system.
Product: Vehicle loan or lease

On XX/XX/XXXX I sent BMW Financial Services an affidavit requesting proof under penalty of perjury that they are in fact the true creditor, and not an elaborate scheme. I have reasons to believe that BMW obtained payment for my vehicle by way of selling the promissory note I affixed with my signature on XX/XX/XXXX XXXX, when the transaction was initiated. Therefore, my vehicle is paid in full. I requested documents from BMW Financial Services proving they are in fact acting according to Truth In Lending, FDCPA, and in fact the lender/creditor and under what rights does BMW Financial Services have to " bill me '' for monthly payments, if they havent actually lent me anything. Its required under 10 Maxims of Law that a lien or claim can be satisfied only through rebuttal by counter affidavit point by point, that which BMW financial Services failed to do. Instead, they sent a letter that addressed none of my concerns. They provided the contract in question, which I did not request. I have attached a copy of the 10 Maxim Laws for your convenience. As of today XX/XX/XXXX, my affidavit remains unrebutted. Despite being required to stop all debt collection activities until this matter is resolved, and cease and desist all communication, I have received emails and calls from BMW Financial services violating 15 U.S Code 1692c ( c ). BMW Financial Services also attempted to scare me with threatening language which is a violation of Title 15 USC 1692d ( 2 ), I have attached a copy of the letter with the violation highlighted. They were required to provide verification that an actual debt really exists. The language in their letter indicates that my affidavit wasnt comprehended properly or ignored intentionally, whichever the case I have provided/attached a detailed list to reiterate.
Product: Credit card or prepaid card

A purchase was made using my credit card. The purchase went through as a cash advance and I was charged {$52.00} in cash advance fees. i had previously requested that my cash advance fee be removed/reduced to XXXX. i made this request upon the account being opened. Had the cash advance fee been reduced to XXXX at the time of my request, I would have not incurred this charge. I have tried explaining this to customer service service representatives on several occasions, but to know avail, with the majority of representatives making up false facts about how credit cards work and are used, and avoiding the fact that a request to remove the cash advance feature had previously been requested and was not fulfilled. Furthermore, as I had mentioned to the representatives, there was no way of me knowing that the transaction would be processed as a cash advance, as I did not use my pin and it was simple purchase.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX On these dates, a company by the name of XXXX has been constantly emailing me on behalf of a collection agency called Jefferson Capital Systems , LLC, asking me to pay a debt. Im not sure how they have my information and Im not aware of this debt or ever spoke with either of these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has my XXXX XXXX loan listed two times on my credit report. They have it listed as a paid charge off. They also have it listed as a collections. It is not in collections. It was sold to a different Company who agreed to delete their tradeline after it was paid.. It was paid and deleted however, now the XXXX XXXX is listed in collections.
Product: Credit card or prepaid card

I submitted a letter to the CEO of Chase but only received a form letter response which did not address my specific concern. This will be the 2nd time in my lifetime I have experienced this same problem and ironically both times ( 20 years separated ) it was with Chase. The core issue is I will periodically receive text & email alerts to validate charges. When I receive these and I respond no that I do not recognize the charge they immediately cancel the card and reissue a new one. In most circumstances this would not be so problematic, however Chase did this twice to me within a 60 day period and I was traveling both times. I fully understand this is part of their fraud mitigation but it leaves the consumer in peril when traveling. I recommended they should pick up the phone and call the customer to address intervention if they are that concerned about fraud. I say this because the 2nd time they cancelled my card, although I did not recognize the charge I did recognize the business. I immediately called the business and it was a mistake for which they immediately refunded the charge. If XXXX would have just called before cancelling the card it would have saved me a lot of inconvenience. Their form letter indicates they did nothing wrong and fail to provide any service recovery for the inconvenience they created due to their process. I explained in my letter to Chase that other credit card companies call me before cancelling the card and in most situations we were able to mitigate any concerns with fraud without card cancellation. For Chase, it is crystal clear that they dont care about customer service or any inconvenience they create for the customer. They will just say it is their process. I tried to convey that other banks are more customer service oriented and their company should reconsider their process. All I receive are form letter which I presume are computer generated so the fact is that Chase is doing nothing to address this problem. I believe they should be required to indicate up front boldly the risks of using their credit cards if this is going to be your sole credit card because there is high probability they will cancel the card and if this is done when traveling, for example, it becomes very problematic. Chase could care less about customer impact so there should be an effort to provide warnings to consumers relative to their business practices of immediately shutting down the card instead of having a more proactive approach of contacting the customer directly via phone. As stated, other banks are more proactive so companies like Chase should have more stringent disclosure requirements to protect consumers.
Product: Vehicle loan or lease

I was pressured by XXXX XXXX XXXX to trade my car in. The car finance guy wrote over {$5000.00} of warranties into the loan after repeats of me saying no. Capital One Auto Finance knowingly approved a loan for a car that is worth {$19.00} and charged me nearly {$30.00} for a used XXXX  I am suffering from XXXX and I disputed the loan amount over and over. I am owing {$30.00} on a used car and paying {$560.00} a month this is fraud! 
I served this country in the XXXX XXXX, XXXX XXXX XXXX XXXX saw the perfect victim walk in the door and admitted to be in business with Capital One Auto Finsnce. On top oh that I paid {$2000.00} down I paid {$33000.00} on a car that is wrong {$19000.00} I am going to XXXX  over this
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Section 611 Dispute Letter Inaccurate Information on Credit Report Dear Credit Reporting Agency, I am writing to formally dispute certain information on my credit report that I believe is inaccurate and violates my rights under Section 611 of the Fair Credit Reporting Act. The specific inaccuracies are as follows : **Item to be disputed : ** XXXX XXXX  account ending in XXXX **Reason for dispute : ** This account and its associated balance do not belong to me ; they result from identity theft and fraud. 

**Current status : ** Ongoing **Desired action : ** I request the disputed information 's correction, update, or deletion. 



I have enclosed supporting documents that prove my claim, including bank statements, payment records, and identity theft reports. This is so that you know that these documents are for your review only and should not be shared with unauthorized parties. 



I respectfully request that you conduct a thorough investigation of my dispute as soon as possible and verify, amend, or remove the disputed information from my credit report within the 30-day timeframe mandated by the Fair Credit Reporting Act. Additionally, I would appreciate written confirmation of any changes made to my credit report. 



Thank you for your attention to this matter. I look forward to a quick resolution that accurately reflects my credit information. 



Sincerely, XXXX XXXX
Product: Debt collection

I have contacted Jefferson Capital on several occasions. It started about a year ago. I was promised on numerous occasions that the debt would be taken off my credit report. They have sent me many letters to promise the debt would be taken off my credit report. They have not taken this debt off my credit report. I have requested a debt validation letter 90 days ago. I have not received anything.