23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

McNeil & Meyers has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated.

I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to ensure the accuracy of the information given by McNeil & Meyers Receivab before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or McNeil & Meyers to furnish any late payments to my consumer report. It is my belief that due to McNeil & Meyers business relationship with the consumer reporting agencies, ( such as XXXX, XXXX, XXXX ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.
Product: Checking or savings account

On XX/XX/2023 I received a letter from Chase Bank stating they are closing my checking account. The reason given is " due to inappropriate conduct with our employees '' I did nothing wrong to cause this action and this unexpected action will create a serious financial and medical hardship to my wife and I if closed. I have been banking with Chase for over XXXX years and receive XXXX XXXX for both my wife and me along with a XXXX XXXX pension. My wife and I am both retired and this is my only source of income. My wife is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX resulting my wife and me being unable to open another bank account anywhere.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX account # XXXX has violated my rights. 

15 U.S.C 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 hand written instructions.
Product: Credit card

This account was open fraudulently, Ive expressed that in my conversations with this company The account is closed labeled as a charge off. But I hasnt been removed from my credit report
Product: Debt collection

XXXX XXXX XXXX consistently talks to my relatives, as soon as they identify as a relative, about my debt, how much is owed, account information and attempts to collect payment from them. The latest attempt was XXXX about XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit Reporting has removed an Open Account as well as the Credit Inquiry from the Company of the account, from my Credit Report. The Account has been open since XXXX and the XXXX ( XXXX XXXX ) is and has been reporting it to the Credit Bureau from XXXX when it was first opened until this date in XXXX. This is a Violation of my rights as a Consumer. My Credit Report as of today states that I have " 0 '' open accounts and " 0 '' Credit usage and " No Open Accounts Reported. '' This is a Fraudulent Credit Report from Experian.
Product: Credit reporting or other personal consumer reports

I'm submitting this complaint regarding late payments on my credit report. Upon reviewing my records, I discovered these late payment entries. I sent inquiries about this issue over 30 days ago but have received no response or adequate validation.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act 15 USC 1681 Section 602 ( a ) states, " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, TransUnion, and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to ensure my private information isn't shared and 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 XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 ( a ) Section 2 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 XXXX XXXX, the financial institution, and the Consumer Reporting Agencies XXXX, TransUnion, 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, TransUnion, XXXX, and XXXX 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 XXXX Apartments never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) 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 seven years. '' These accounts have adverse items being reported, again, without my permission, violating the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) 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 1681 ( c ) of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 ( b ) of this title. XXXX, TransUnion, 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 immediately opting out of these reporting services. 

Any and all disclosure of private information and reporting of transaction history is illegal and a violation of the FCRA, the Privacy Act of 1974, and the above federal laws.
Product: Debt collection

This is reporting on my credit report as a collection and has caused my credit score to drop.
Product: Checking or savings account

On XX/XX/2021, opened an account in response to a XXXX advertisement that provided a {$250.00} new account opening bonus, when two direct deposits totaling over {$1000.00} were made within 90 days of account opening. Having met this requirement, with payroll deposits on XX/XX/XXXX and XX/XX/2021, with deposit amounts of {$1000.00}. Despite terms indicating the bonus payment within 45 days of the second deposit, I have not received the {$250.00} bonus.
Product: Credit card

I have been charged for 2 pay over time transactions 7 times instead of just the 6 I should have been. I am only looking at the monthly principal because I got credit for the monthly fees already. XXXX XXXX XXXX from XXXX through XXXX starting on XX/XX/23. XXXX XXXX from XXXX through XXXX starting on XX/XX/23. The last XXXX XXXX charge was only for XXXX. Looking for XXXX credit for interest charged on XXXX bill because I am not paying these charges. Total XXXX. I have understood by a few supervisors I spoke to, but then my claim was deniedXXXX
Product: Credit card or prepaid card

I made several purchases on my PayPal account in XX/XX/XXXX. I went on and checked my previous statement balance, which was {$770.00}. The additional purchases in XX/XX/XXXXadded up to {$1000.00}. The total came of purchases plus previous statement balance came out to {$1800.00}. I made a payment of {$1400.00}. It left a balance of {$390.00}. The {$390.00} was the balance remaining for two promotional purchases I made after I paid XXXX. I then look on the next statement and realize I have {$390.00} standard interest charges. I knew that I had not made any non-promotional purchases after I made my purchase and that was the exact amount of the two purchases I made under promotional terms {$100.00} + {$280.00}. I called customer service and was expecting them to see the error and fix it. When I talked to a supervisor they started stumbling around their stories and stated that their system did not recognize me making an early payment so they applied it in a sequence order of what was purchased first. However, their explanation made no sense because in sequence order would have paid {$640.00} of standard purchases and promotional purchases that were purchased prior to the {$390.00} of promotional purchases. Their system should apply any payment to the earliest purchase, not the interest free purchases first and that is exactly what happened in this case. They attempted to rationalize it and there was no way to rationalize what happened. I am wondering how many of billions of people have been impacted by this shady and deceptive billing practice. Paypal is applying payments to promotional purchases first in order to lengthen the time they are charging for standard interest. Here is only one of the SCAMs they are running, turns out in-spite of selecting the no-interest option, they posted it as a regular credit payment and start charging 19.99 % interest. Now you might say, perhaps I made a mistake, except for the fact that I specifically chose the no-interest option as it was the primary motivator for my two purchases. The mistake I made was not closely looking at my statements, as I would have realized much sooner that I was being charged interest. I am sure I am not the only one experiencing this. I am willing to provide copies of statements but since it said not to include any account information or personal information I did not attach it. It is very clear to see that what they did was deceptive. I also read thousands of blogs and complaints online from people who experienced the same issue I did.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep receiving unauthorized hard inquiries on my credit report from XXXX XXXX XXXX. When I XXXX the company it says that it 's a Car Dealership in XXXX XXXX MD.
First issue I do not live in XXXX MD.
Second Issue I have not been to any car dealership looking or shopping for a car and have definitely not authorized anyone or company to check my credit especially since recently I 've been working extremely hard to improve my credit.
Third Issue I have no idea who they are and from researching my credit report I have found out that this is not their first time they have pulled my credit without my authorized permission.
I believe that something extremely suspicious is going on with this company. I mean why is a car dealership pulling my credit and on multiple occasions actually around the same time last year. The way it 's happening I do n't believe that it 's identify theft I believe that someone is illegally using their credit pulling privileges to obtain my credit report.
Dealerships are not allowed to view a customer 's credit reports until that customer specifically asks for credit terms, I can actually testify that I have never done this.
My credit score dropped XXXX points from this inquiry after all of my hard work of re-establishing my credit I was extremely devastated and now determined to get down to the bottom of this.
On XX/XX/XXXX &XX/XX/XXXX, I received unauthorized hard inquires on my credit report causing my score to drop.
I believe that this is illegal and if this issue is not resolved I will be seeking legal counsel to go about properly getting it resolved.
I continuously tried to contact Equifax about this situation but they continously say that it 's nothing that they can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've requested Equifax to DELETE XXXX off my credit repot NUMEROUS times. 

Equifax failed to delete XXXX & Update my last name to XXXX as requested.
Product: Student loan

First of all, my spouse initially applied for PSLF in XXXX; denied based on not having the 'correct loan repayment plan ' despite having made 120 payments on time and working for state universities ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX. This denial has since been exposed as not a legitimate reason for denial. 

In XXXX my spouse died. I called MyFedLoan in XX/XX/XXXX. They said to send a letter requesting discharge and a copy of the death certificate which I did. I assumed it was going to be discharged and heard nothing. In XXXX I looked at my credit report and saw the student loan on there. I was alarmed so I called them again. I received many condolences and apologies and was told it would be escalated to management. 

Again, I heard nothing ; I was told it might move slowly due to COVID, so I waited until XXXX, and at this time I was so distraught and traumatized by the whole mess -- this is the response I got : " FedLoan has escalated the issue, the people I spoke to agreed that this is a horrendous mess, and they are mailing a document that contains the entire loan history. There was some history on the FedLoan side of things that said they recommended a write-off for the loans after you sent the death cert, but they weren't able to really tell me more than that. '' So, again, I assumed it was being taken care of. I never received anything and then suddenly MyFedLoan site disappeared and I was logging into FSAid. FSAid showed a XXXX balance from the time I logged in until now. I have screen shots of this balance. I assumed it was taken care of. 

A couple weeks ago ( XX/XX/XXXX ) I received a bill in my dead husband 's name saying that the whole amount was due. I also received the same bill in my name in the whole amount of the loan. We have been 'switched around ' by loan servicers, initiated by them, not us. From MyFedLoan to XXXX back to MyFedLoan to FSAId and now to XXXX. Each time in the past XXXX XXXX years there is a change, my dead spouse seems to be brought back to life and is asked to start repaying a loan that should have been first of all given PSLF and secondly should have been discharged due to death. I have sent the death certificate to many people, many accounts, many times. My spouse took out all the loans initially. I have no idea if somewhere along the way someone consolidated us, or advised to consolidate. My spouse handled all of the loans and repayment ( always on time ).
Product: Debt collection

One of my old friend stole my informarion to rent an apartment on my name i didnt know about when i found out its was already to late they already sent it to collection
Product: Mortgage

My mortgage was transferred from National CITY XXXX to PNC Mortgage holder. PNCrefuses to correct principal/interest payments on my mortgage. The incorrect applied payments continues to consistently be redirected on the amount owed on the loan. Theseactions over the past nine years promotes REDLINING.
Product: Debt collection

I check my credit online last week and saw 5 debt collectors. I have not been anywhere or have I used any credit because of being laid off. I'm not sure where this came from. However I was arrested in XXXX in XXXX XXXXnd my license was taken away and I had to go to court! There was a man name XXXX XXXX. He impersonated me. This was not known until I went to court and the lawyer showed past arrest photos of " XXXX XXXX XXXX '' and it was all him. I found out he has my DL number, SSN, everything. 

Moving forward I do not even use credit cards and ONLY pay cash, so these accounts can not be mine. Whatever debt this is they need to view the picture of the ID to see if it is my face or that man XXXX XXXX. 

The account that I saw on my credit were : XXXX XXXX XXXX  Account Number XXXX Account Number XXXX Account Number XXXX Account Number XXXX XXXX XXXXXXXX XXXX Account Number XXXX I attached my credit report showing the accounts that are not mine Even when I look on the credit report and look for information to contact the creditors both of these companies XXXX XXXX XXXX and XXXX XXXX XXXX information is not listed. These company did not send any mail to my address and I have been at the same address for over 30 years. I just don't understand why this happen. 

Please hold them accountable for not verifying whoever used my information to get credit.
Product: Checking or savings account

Sofi restricted my account for no valid reason and now they are holding my funds that I need to buy food and diapers  for my children I've called like XXXX times they are still refusing how can they hold my funds I've worked hard for it isn't right I'm a XXXX mother of XXXX I need access to my funds immediately
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Ac

t ( CFPA ). Specifically, Cash App failed 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 Fund Transfer Act ( EFTA ) and Regulation E. These actio
ns have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a direct dispute with XXXX in XXXX of this year for fraudulent charges on my account. Several accounts were removed from my account. XXXX alerted both agencies of the fraudulent charges. However EXPERIAN is non compliant asking me for a police report for said charges after it has already been proven to be fraudulent. Experian has not removed this XXXX XXXX off my credit report subsequently my credit score has dropped horribly because of their XXXX bias. I spoke with XXXX and XXXX from Experian and neither one of these men were familiar with the Fair Credit Reporting Act. This alerts me for my protection as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went on XXXX XXXX to check my credit score on Tuesday, XX/XX/2023, because I have to keep an eye on it and see how it's doing every couple months. I have no loans, credit cards or any kind of obligations other than utilities or doctors visits and I will not take anything on credit ever again if I can help it. I just completed a XXXX  XXXX in XX/XX/2023. That being said, I have been receiving an astronomical amount of mail with offers from car dealerships, credit card companies and loan officers with their hopes of my acceptance. I just throw them in the trash. 

On XXXX XXXX today I noticed there was XXXX hard inquiry where there were none before, mind you I have applied for nothing in almost 2 years or more. The site has changed some and I couldn't click directly on it so I tried another way and it looked like it was XXXX  XXXX, which is XXXX of the biggest harassers I have. So, this begs the question, did XXXX XXXX do an inquiry without my consent? or Did someone else dig XXXX of they're mailings addressed to me out of the trash and apply in my name? 

Fraud? vs Scam? I would sure appreciate someone looking into this for me. I just cleaned everything up on my credit report and want to keep it that way. I would like that inquiry mark removed because it wasn't me. 

Thank you
Product: Credit card or prepaid card

In XX/XX/2017 after being adjudicated in XXXX XXXX in XXXX XXXX, Florida, case # XXXX to maximize all available credit balances on my credit cards to pay my ex-wife 's attorney to hire a forensic accountant to go over 5 years of my books and taxes, which he had for almost a year to do., my Barclays Card ending in XXXX was maxed at {$7700.00} and the combined interest on XXXX credit cards was dragging me under. At that point I was still obligated to pay gap alimony of {$500.00} per week, so I had to call all my creditors to work out plans. Barclays was the hardest and worst to work with, I made 4 years of on time, consecutive payments from XXXX, but some XXXX XXXX XXXXXXXX ( prior to the account being 30 days in arrears ) said they would settle for {$1000.00} per month in interest payments for 5 months. At that point I didn't want to settle nor could I pay {$1000.00} per month in interest, that is why I was in the problem. 
Others helped, Barclays didn't and haven't wanted to settle for the past 4 years, just to keep this on the Reporting Agencies Files of mine as a punishment of some sort, which is unfair. Last week I called and talked with someone in Back office collections, XXXX, who was helpful, I told her the last people in her company I tried to settle with, pretty much laughed, told me to call back in a week, the special XXXX XXXX XXXX would let me know if they will do a settlement and how much. I let her know based on others that have settled with them, they write it off and settle for about 20 % of the debt, In this case, Barclays has my high balance of {$7700.00} reported, has a balance of {$8200.00} but won't tell me how that number comes to be my amount, yet they wrote off just under {$7200.00} off their books? Which number is accurate? 
Today I called to see what the XXXX XXXX XXXX XXXX came up with, I had to call XXXX, The Phippipines before I got collector XXXX, XXXX who I could tell was new, said the XXXX is offering a 45 % settlement on what they are calling their balance of {$8200.00}. Yet they wrote off almost double that at $ XXXX? I still don't know the " real '' figures? 
I told them several times what I had ( {$2000.00} ) and what I could do, I asked why they were given me a 45 % settlement figure on a balance that is more that what they are reporting on the credit card accounts. I can now see WHY they have a XXXX review rating out of XXXX for over 10,000 un happy customers, it's because of their unethical collections and reporting practices, which severely violates every rule of credit collections and reporting. 
I have disputed this account by phone, online, in writing and via a complaint through this consumer protection agency. I need it kicked up to the Federal Trade Commission as these people are " crooked '' hiding behind a corporate veil! 

I need some action done on this very large organization, otherwise they continue to treat consumers unfairly taking advantage of people in financial trouble. 

Sincerely, XXXX XXXX XXXX XXXX