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

Chexsystem has violated my federally protected consumer rights. Under 15 USC 1681 states I have the right to privacy. 15 U.S.C 1681 section 602a state a consumer reporting agency can not furnish and account or personal information without my written instructions. 15 USC 1681b 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 written instructions from the consumer to whom it relates and no other. I did not give Chexsystem written instructions or permission to furnish this personal information. They didnt receive a court order or subpoena. Chexsystem continue to violate the FCRA and violate the law with this dispute.
Product: Credit reporting or other personal consumer reports

ACCOUNT WAS INCORRECTLY REPORTED DELINQUENT. PAYMENTS WERE MADE AS AGREED VIA AUTODRAFT THAT WAS SETUP BY THE CREDITOR. HOWEVER THE PAYMENTS HAVE BEEN REPORTED LATE AND DELINQUENT.
Product: Credit reporting or other personal consumer reports

I have been with SALLIE MAE for a long time, and I have always appreciated the good value and service I have received from SALLIE MAE. Recently I checked my credit report and noticed a mistake. I was devastated to see a late payment show up. Surely this must be a mistake. I need this to be remove as it's affects my credit worthiness.
Product: Money transfer, virtual currency, or money service

I made money transfer from BoA to XXXX account on XXXX and the amount is XXXX XXXX 
It was confirmed to be available by XXXX XXXX. 
However money does not transferred yet.
Product: Debt collection

On XX/XX/2023 a debt validation along with a cease and desist was sent to Hunter Warfield. It was received and Delivered on XX/XX/2023. Certified mail. 

Hunter Warfield was instructed to cease communication from all mediums. Which included but not limited to phone calls, and email submissions, UNLESS they are providing ( XXXX ) to advise the consumer that the debt col- lectors further efforts are being terminated ; ( XXXX ) to notify the consumer that the debt col- lector or creditor may invoke specified rem- edies which are ordinarily invoked by such debt collector or creditor; or ( XXXX ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy pursuant to 15 usc 1692d ( c ).

Hunter Warfield has called me 5 times since the cease and desist has been received. They have also emailed me on XX/XX/2023. I have attached all proof and communication.
Product: Checking or savings account

Citizens Bank at XXXX XXXX XXXX XXXX, RI I rolled over a CD at this bank on XX/XX/2018 this was two days after its expiration and the assistant branch manager ( XXXX XXXX ) charged me an illegal {$50.00} early termination fee. I had to call and complain twice before it was fixed. Bank is shady and I have had problems with them in the past with illegal fees and aggressive sales tactics. 

I can provide documentation.
Product: Debt collection

SMS Financial LLC is suing me for a car loan that I signed for in a different state with XXXX XXXX. The last payment I made was in XXXX of XXXX. I owed the debt in Iowa and they are suing in the state I currently live in, Wisconsin. This debt fell off of my credit report in XXXX when XXXX XXXX was sold to XXXX XXXX. XXXX XXXX then sold XXXX XXXX XXXX and XXXX XXXX XXXX Illinois XXXX to XXXX XXXX XXXX later in XXXX. I was never notified of XXXX XXXX being sold to XXXX XXXXl nor was I notified when this debt was sold to XXXX XXXX XXXX. Once this debt fell off of my credit report there was no way for me to know that it was still outstanding or who to contact to pay the debt. The original debt is {$3300.00} and they are suing me for {$10000.00} claiming {$6600.00} in interest. In almost 9 years I have never been notified of this debt until I received a summons to court. 

SMS Financial XXXX electronically filed a Summons and Complaint on XX/XX/XXXX. When I missed my court date ( mis-calendaring on my part ) I filed a motion to re-open the case. In XXXX my motion was granted and we had pretrial conference scheduled for XX/XX/XXXX. During that conference the attorney for SMS Financial XXXX stated they intend to file for a Motion for XXXX XXXX. Our hearing is currently scheduled for XX/XX/XXXX. I am currently working on writing my affidavit. 

The statute of limitations in the state of Wisconsin is 6 years for an auto loan. This debt is over XXXX years old. The lawyer is stating that the statute of limitations for an auto loan in Iowa is 10 years. However they are suing me in the state of Wisconsin, not Iowa.
Product: Student loan

I have received calls from Mercantile Adjustment Bureau on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX My student loan was found to be wrongly in default due to a mistake from XXXXXXXX XXXX XXXX This loan was removed from being defaulted as of XX/XX/XXXX. 

Therefore, Mercantile Adjustment Bureau should not have my loan in their possession, nor should they be contacting me for any reason.
Product: Debt collection

Dated XX/XX/2022, reduced amount $ XXXXThe debt is not accurate. The company did not send verification of debt. Resent collection statement months later. Dated XX/XX/2022, reduced amount {$5900.00}
Product: Credit card or prepaid card

JPMorgan Chase Bank has failed to return my {$8400.00} credit balance when I mistakenly paid approximately {$8600.00} rather than {$86.00}. When I called them on XXXX-XXXX-19, they said my money would be returned to me within 7 to 10 days. However, when I called today, XXXX-XXXX-19, they still have not returned my overpayment, i.e., the {$8400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need my name and addresses to be corrected
Product: Mortgage

Select Portfolio Servicing ( mortgage lender ) is trying to extort and destroy me. My mortgage was transferred from XXXX to Select Portfolio Servicing during the summer of XXXX. I received a letter stating that payments paid to XXXX during the transition would be transferred to SPS. Since XXXX, SPS has been falsely reporting that I failed to make two payments during that time and my credit has suffered due to their negligence! I have an official letter from XXXX, dated XX/XX/XXXX, stating that payments for the amount of {$1200.00} during the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX were forwarded to SPS. I have a letter from XXXX  XXXX XXXX. dated XX/XX/XXXX, listing the dates, amount, and electronic transfer numbers of all payments made to XXXX and SPS from XX/XX/XXXX to XX/XX/XXXX. SPS claims they did not receive the payments for XXXX and XXXX of XXXX. SPS has been sending people by my home harassing my family, sending threatening letters to foreclose, and tacking bogus late and legal fees to my account. I HAVE NOT MISSED ANY PAYMENTS OR PAID LATE TO XXXX OR SPS!! SPS continues to be paid, TIMELY, by me every month, BUT, they are allowed to bully me financially by sabotaging my credit. I have consulted with a law firm who has reached out to SPS with sufficient and credible documentation and they wont budge. They referred me to CFPB as a credible remedy before they take my retainer to pursue SPS in a court of law! I know CFPB is well aware of SPS and its tactics. I hope you will fight for me in this matter because I did not ask for my mortgage to be sold, and it is not my responsibility to make sure that one lender pays another. I have proof that the money was paid, and I should not be punished for the greed and incompetence of predatory lendors!
Product: Credit card or prepaid card

CASE # XXXX all ready filed this is additional documents received today XX/XX/XXXX Merchandise was not received from XX/XX/XXXX {$42.00} XX/XX/XXXX {$25.00} Capital One Bank have reapplied these charges to my closed account. 

I spoke with someone today in other country unable to resolve dispute.
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, XXXX XXXX XXXX  : # XXXX, XXXX, XXXX & XXXX. 

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: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent an address fraud on there 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 actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Checking my credit report a few months ago, I discovered errors regarding the account of 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 ). These are violating my rights. I disputed these errors directly with the XXXX credit bureaus and the creditor itself ; however, I only received generic responses regarding this matter. Therefore, I am filing this complaint based on my research. The company in question is violating the sections of 15 USC : 15 USC 1681 section 604 ( a ) section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy of information.

15 USC 1681i ( 5 ) : Failure to investigate and correct inaccurate information.

15 USC 1681s ( 602 ) ( a ) : Failure to provide clear and accurate information to consumer reporting agencies.

15 USC 1681s ( 604 ) ( a ) : Failure to permit access to all information about the consumer 's credit file. Reform Act related to accuracy and fairness in credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Experian both via Mail and the CFPB in dispute and complaint before with full attachment and supporting documents from law enforcement and supporting my identification only to have the Experian send me a letter stating they have not received it, when I have full receipts from both of the aforementioned.I am once again submitting these items to your office in hopes that Experian will acknowledge my dispute/complaint of fraudulent accounts coming forth from identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and I request again to remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX  XXXX ) XXXX Balance : {$75.00} ; XXXX  XXXX Balance : {$8400.00} ; XXXX  XXXX Balance : {$700.00} ; XXXX  XXXX XXXX XXXX XXXX {$20000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Equifax Credit Report, I have been disputing the XXXX XXXX XXXX ( XXXX ), account # XXXX, amount {$610.00}, for close to 12 months due to inaccuracies and incompleteness. First, despite three certified validation letters to XXXX, they have not validated nor provided me with any evidence from the original creditor that they own this account. I have never done business with this company nor have they ever contacted me that I owed this debt. Why it is on my credit report? As for the Equifax credit report, I have sent six certified letters ( attached with the account highlighed in yellow ) to Equifax regarding inaccuracies and incompleteness requestion corrections and deletion of the account but they have ignored the documented evidence and continued to report these errors and absences. I have attached my most recent Equifax credit report ( Dated Decmber XXXX, 2022 ) as evidence of these FDRA violations and that these problems have not been corrected : 1 ) the Date of Last Payment is missing, 2. ) the Date of Last Activity is missing, and 3. ) The Date of 1st Delinquency is missing which makes it impossile to determine when this account will fall off the report. The report is also missing the Notice of Dispute, the Accounts Charge Off Amount and the Close Date. The Payment History iindicates that the account is paid on time while at the same time the credit report indicates it is in collections! All these inaccuraces and incomplete reporting are FCRA violations.
Product: Credit reporting or other personal consumer reports

I am worried about an inquiry on my credit report that I do not recognize. I never gave permission or consent for this company to access my information nor do I have applied to them, and Im struggling to understand how and why this occurred. It has been a source of significant stress and anxiety for me.
Product: Credit card or prepaid card

I have tried every possible avenue to talk to AMEX. The silo culture is unreal. You can not talk to a single human being who knows anything other than their small part. I was drugged, threatened with blackmail to my family, and threatened by people who called my phone threatening to kick in the door of my home over transactions made by organized criminals wanting additional cash payments. Multiple police reports filed, the specific business involved was recorded threatening me directly, and AMEX does nothing. A year ago I broke down XXXX, and their reps landed me in a XXXX XXXX. I lost my job a year ago, largely as a result of this total incompetence. I worked in the XXXX XXXX XXXX XXXX for 20 years and I could no longer function at all. My wife called them the night this happened begging and pleading to please cancel the card, this isn't normal, he comes home. A {$55.00} dollar balance hit {$26000.00} in less than 48 hours. I am now being called by them over and over to make payments. I have lost everything, my job, my XXXX, my savings, and my marriage. This was an organized crime scheme, I never entered these places myself, I had to look at the charges and the names because I had no idea where I had even been, the people who drugged me drove me there themselves. This is insane. Now they have reversed their decision put in writing, even after I have been paying them off to attempt a reasonable solution. I've lost everything. And the only reason they call me is if I stop paying them. This is completely out of control and I can't even talk to anyone beyond mid management.
Product: Credit reporting or other personal consumer reports

Teletrack is reporting information on my credit report/file to bureaus without my writen consent or knowledge. I have requested that this reporting cease, that I receive a copy of the report/file, that I receive copies of the sources and report recipients, and description of procedures for reinvestigation/investigation. I would like to opt out of Teletrack until written notice is provided to opt in by me. I would like information removed from all bureaus and recipients that they have reported information to. I provided my state driver 's license as proof of identification and they have refused to provide the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XX/XX/XXXX I received an email from XXXX XXXX that a collection account had been placed on my XXXX Credit file. The company name is The Bureaus. I disputed this account because I did n't have a contract with this company and I never did business with them. The collection account was removed from my file and now XXXX has allowed them to place this account back onto my file without by law notifying me within 5 days. This account needs to be removed and this company needs to be sanction for improperly places accounts onto consumers files. Please investigate XXXX and make them aware of these are unlawful practices.
Product: Credit reporting

All XXXXcredit reporting agencies have me listed as deceased. I am not!!!!
Product: Credit reporting or other personal consumer reports

i told them the late payment is not accurate XXXX also XXXX XXXX
Product: Checking or savings account

am writing to file a complaint against Cash App for withholding my funds without proper justification. On XXXX XXXX. 2024 and, I made a payment through Cash App for a hotel reservation. The transaction was initially delayed, with Cash App holding my money for 810 days. When I finally submitted the hotel receipt to resolve the issue, Cash App informed me that my funds would be held for an additional 30 days. 

This extended hold is unreasonable and unfair, especially since the hotel already confirmed the transaction. The lack of clear communication and transparency from Cash App is causing significant financial hardship, and I am requesting immediate intervention to resolve this matter and release my funds. 

I would appreciate your assistance in holding Cash App accountable for this unreasonably long hold and ensuring the prompt return of my money.
Product: Credit card or prepaid card

On XX/XX/2022 I spoke with a Navy Federal Rep and on XX/XX/2022 I spoke with a other Navy Federal Rep by the name XXXX. I asked Navy Federal Rep XXXX why is my credit card restricted from making purchases? XXXX replied " Its because your credit card is past due {$110.00} dollars '' I informed XXXX that my statement says that I do not have a " payment '' due until XX/XX/2022 that is {$260.00} as shown in the attachment. Nevertheless, a " late payment '' is a violation of my rights pursuant ( 15 USC 1666b ) but still gives Navy Federal no right to restricted my card from purchases. My " current balance '' is {$1600.00} my " Minimum Payment Due '' is XXXX. {$1600.00} + {$260.00} = {$1800.00}, my credit limit is {$2000.00}, {$2000.00} - {$1800.00} still leaves me with an available credit limit of {$130.00}. Also, Navy Federal took {$29.00} out of my checking account and credited my credit card without my consent as shown in attachment. Furthermore, XXXX ( Navy Federal Rep ) was rude, would not give me her employee ID number and sent me to Navy Federal voicemail survey after I tried to speak with a manager. Please help me solve this matter with my " credit-card '' under an open end consumer credit plan.
Product: Credit reporting or other personal consumer reports

XXXX FILE ON MY EQUIFAX REPORT IS WHOLLY INACCURATE. 

THE ACCT #, DATE OPENED, AMT OWED, DATE LAST PAID ARE ALL WRONG. THE REPORT ALSO SHOWS THE ACCT IN GOOD STANDING IN XXXX BUT THE DATE SHOWS " REPO 'D '' SINCE XXXX. 

THIS IS A VIOLATION OF MY CONSUMER RIGHTS PER 15 USC 1681i and s-2.

My report should be timely and accurate and it is not. They have no incentive to make this right for consumers like me.
Product: Credit reporting or other personal consumer reports

Pursuant to the Fair Credit Reporting Act, 15 USC 1681 section 602 ( a ), it is articulated that there is a fundamental necessity for consumer reporting agencies to undertake their significant duties with fairness, impartiality, and a regard for the consumer 's right to privacy. As a consumer, I am entitled to ensure my private information remains confidential, a principle supported by 15 USC 6801, which mandates that financial institutions maintain an affirmative and ongoing duty to respect their customers ' privacy and safeguard their nonpublic personal information.

Furthermore, 15 USC 1681 section 604 ( a ) ( 2 ) specifies that a consumer reporting agency may furnish a consumer report exclusively under circumstances permitted by the written consent of the consumer concerned. It is clear that TransUnion, as a consumer reporting agency, does not possess my consent, written or otherwise, to disseminate my information. I hereby revoke any form of consent previously extended to TransUnion, whether verbal, non-verbal, written, implied, or otherwise, regarding the furnishing of my information.

Additionally, 15 USC 6802 ( b ) ( c ) prohibits a financial institution from disclosing nonpublic personal information to a nonaffiliated third party without providing the consumer the opportunity to opt out of such disclosure, an option I was never informed of. Moreover, according to 15 USC 1681C ( a ) ( 5 ), a consumer reporting agency is restricted from reporting any adverse information older than seven years, highlighting an unauthorized practice if such information is being reported.

In adherence to 15 U.S. Code 1681s-2 ( A ) ( 1 ) ( A ), it is unlawful for any entity to provide information about a consumer to a reporting agency if there is knowledge or reasonable cause to believe the information is inaccurate. Additionally, 15 U.S. Code 1681e obligates consumer reporting agencies to implement reasonable procedures to prevent violations of section 1681c and restrict report furnishing to authorized purposes, a standard that requires strict compliance.

Lastly, as per 12 CFR 1016.7, consumers have the perpetual right to opt out of reporting services. I am exercising this right and opting out of TransUnion 's reporting services, expecting that my privacy and rights are fully respected and upheld in accordance with the aforementioned legal provisions.