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

I have filed two disputes with Transunion in XX/XX/XXXX and XX/XX/2019 because XX/XX/XXXX, XX/XX/XXXX and XX/XX/2019 mortgage payments shows ( No Info ) for ( XXXX XXXX XXXX ) my mortgage company.These payments were on time.My term is also showing ( no info ) which my loan is a 30 year term.Both filed disputes states that the company stated the information is accurate when they were completed by Transunion.Also the payment status on my report for this loan states ( no info ) and should sayCurrent.
Product: Checking or savings account

On XX/XX/XXXX my check for {$12000.00} was deposited to a us bank account not in my name. they forged my name and put it in an account that was set up under another person. one week later the account holder who fraudulently signed my check. demanded the bank release the funds to my check. the bank teller knew the check was not in the account holders name. they still released the funds and they took my {$12000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked both XXXX MCM, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX to correct the information on my report. This account has been paid off and I was promised a DELETION of this tradeline. The account was closed, then I paid this account off on XX/XX/2020. This account is still showing as an open balance on my XXXX  report, and possibly all of my credit reports XXXX XXXX and XXXX  XXXX! The refusal for these companies to correct their reports has COST ME ALOT in higher interest fees when I have tried to apply for credit! will these 3 companies be paying back the financial damages they have caused my credit???? Or will they be deleting the tradelines of MCM/XXXX XXXX XXXX XXXX XXXX?

It is totally unfair that I should have to wait TEN MONTHS for the correction after I was promised it would only take 30 days!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following companies have violated my rights as a consumer. The Credit Reporting agencies stated the following were properly investigated but there was not a proper investigation done. That is ground for removal. 

Accounts XXXX XXXX XXXX XX/XX/XXXX {$30000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX {$85000.00} 15 USC 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 USC 1681 SECTION 611 ( 2 ) ( a ) STATES IF THE ITEMS ARE FOUND INACCURATE OR CAN NOT BE VERIFIED THE CONSUMER REPORTING SHALL PROMPTLY DELETE THE INFORMATION FROM THE FILE OF A CONSUMER.
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. 


Account name : XXXX XXXX Account NumberXXXX Account name : XXXX  Account NumberXXXX Account name : XXXX  Account NumberXXXX has violated my rights. Or 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 card or prepaid card

Chime states they pay 2 days early. The way it normally works, my payroll processes and I am credited in my Chime account 2 days later. On XX/XX/21 my payroll processed. I had {$100.00} set up on direct deposit with Chime and the funds posted in my Chime account on XX/XX/21. Since that direct deposit was successful, I tried again because I have a disconnect notice for my lights on which I am on a deferred payment plan and can not be late with my payment. I scheduled {$270.00} to deposit to Chime who said the only day they were not processing was XX/XX/21. My payroll processed on XX/XX/21. Chime states Friday XX/XX/21 was not a bank holiday for them. Here it is XX/XX/21 and I still do not have my funds available in Chime. I called and customer service knows nothing only tells me what I can see, the money is not there. I am being told to call my job and I confirmed a direct deposit for {$270.00} was processed to go to Chime on XX/XX/21.
Product: Mortgage

I am being harassed on a daily basis by Select Portfolio Servicing.

This is my second complaint as they just closed the first one yet keep harassing me. 

My XXXX  XXXX XXXX Loan was transferred to SPS. This loan is in the estate of me deceased Life Partner XXXX XXXX. When the loan was trasferred, everything should have been in place and I should not have to relive the past trying to prove how I have and that this was my partner and that I own this home. Back then XXXX marriage was not legal and thus I'm being drug through the mud to prove something that happened 13 years ago. This is harassment and this is discrimination. 

SPS say my payment is lower than it was before but refuses to explain. There is no reason why my payment would have gone down. I ALWAYS make my payments on time and I make an EXTRA {$500.00} PAYMENT EVERY WEEK on this loan. There is no reason I need to do anything except making the payments. 

I now receive at least one or two pieces of mail every day from SPS. I now refuse to open them and return to sender. When I open my mailbox, and see the letters EVERY DAY, I immediately feel pains in my chest. Yes this is real. XXXX XXXX XXXX has harassed me for 13 years and now it's starting all over again. It it doesn't stop I'm going to end up in the hospital with a XXXX XXXX or XXXX. It's not a joke. 

SPS needs to cease and desist. I have done nothing wrong. I am making payments on time and overpaying the loan. Why does this harassment persist? STOP. LEAVE ME ALONE.
Product: Credit card or prepaid card

I am emailing to inform you of an incident that happening this past weekend, XX/XX/2019. My debit card was taken by the XXXX XXXX ATM ( XXXX ). The atm said that it was out of service and would need maintenance. I return to the branch Monday morning to retrieve my debit card only to be told that they didnt have it and a service call was never placed on that atm. Which leaves the question, well where is my debit card? 

Turns out SECU released MY debit card to some random person that later walked up to use the ATM. I have been in banking for years and a former SECU employee and I am sure that is not how that is suppose to work. My debit card was given to some random stranger and is currently circulating around XXXX County all weekend and I can only imagine the damage that has been done. 

The only service I can get from the Branch is to order a new debit card, but that doesnt give me any peace of mind knowing that SECU practices giving away important information to anybody. They dont have to be the card holder to get my card released from the atm. What steps were taken to verify the identity of the person calling in? 

I will be sure to share this experience with everybody I can. With all the fraud that already exist, people should be aware of what banks and financial institutions are not actively trying to protect them and their assets.
Product: Debt collection

15 U.S.C. 1692g, I would like for you guys to verify my debt
Product: Student loan

I am a full-time student and I found out a student loan I had with Citizens Bank being handled by XXXX was listed as defaulted Citizens Bank and now is in my credit report blocking my other student aid options. All my other loans both federal and private were in deferment or forebearance except XXXX failed to list this one.  Citizens Bank has now referred to collections and I have not been provided the opportunity to make payments even though I am a full-time student. Citizens Banks says XXXX can pull loan back to them but XXXX says Citizen Bank has to initiate the process. Both deny what they need to do. 

I was told by Citizens Bank that I should have been offered a temporary forbearance which was not done but they refuse to do now.
Product: Credit reporting or other personal consumer reports

Despite numerous attempts to rectify the glaring inaccuracies on my credit report, the bureaus have remained stubbornly indifferent! It's like trying to reason with a brick wall! How hard is it to get basic facts right? This isn't just a minor inconvenience ; it's affecting my financial standing and opportunities. I've jumped through hoops, provided documentation, and still, my creditworthiness hangs in the balance because of their incompetence. Enough is enough! It's time they own up to their mistakes and fix this mess they've created!
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 Act ( 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 actions have caused significant inconvenience ond financial loss, and I seek appropriate redress for these violations
Product: Debt collection

Global lending keeps calling my house threatening me with debt I do not owe
Product: Credit reporting or other personal consumer reports

I have a late payment on my report from XXXX of XXXX In XXXX of XXXX I was forced to move out of my apartment because my neighbors unit caught on fire. I moved and set up a forwarding address but mail didnt start to arrive at the new address until late XXXX and by the time I received my statement it had already been over 30 days late. I demand late payment removed/updated. 15 U.S Code 1666b. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX sent mail regarding removing the account from my profile then 2days later sent a letter stating I am liable for the account!
Product: Debt collection

I ordered XXXX XXXX service early XXXX XXXX. A technician came out to connect the service on XXXX/XXXX/XXXX. I was not satisfied with the service, canceled the service and returned the cable box & modem on XXXX/XXXX/XXXX. I was told since I did not have service for more than 30 days, I would not have a bill. XXXX is pursuing me for a debt for unpaid charges and/or failing to return equipment. I have a receipt from XXXX date stamped XXXX/XXXX/XXXX XXXX for equipment returned. I have reached out to XXXX to resolve this issue as soon as I received a collection notice. On XXXX/XXXX/XXXX I was assured this bill was in error and would be taken care of. It is now XXXX/XXXX/XXXX and I am being threatened with negative reporting to my credit report for a debt I do not owe. I have informed XXXX I would be reaching out to you for resolution since they are refusing to honor their end of the deal. Also I have faxed a letter of dispute to the Credit Collection Service explaining the same as above. I have mailed a copy of the equipment returned receipt to the XXXX XXXX XXXX in XXXX, MI. Since I live in Oregon I do not have the pleasure of walking the receipt into a XXXX location.
Product: Prepaid card

I was issued an American Express XXXX XXXX in the amount of {$20.00} on XX/XX/2023. The card states that it can be used at " U.S. merchants that accept American Express Cards, '' however, it's been impossible to use online at all - I've tried XXXX, XXXX, XXXX, and several other services.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated for erroneous reporting in my file are listed on my credit report : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to EquiFax, disputing the validity of XXXX XXXX XXXX Account # XXXX ( attached ) on XX/XX/XXXX which they received on XX/XX/XXXX XXXX ( attached ). They stated they verified the account, so I sent XXXX XXXX XXXX  a letter myself and they in return sent me a letter saying they have no account under my name ( attached below ). EquiFax needs to remove this account immediately.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and request that the following accounts and inquiries be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts are not authorized by me, and I believe they are the result of identity theft or fraudulent activity linked to the data breach. 
Fraudulent Accounts XXXX XXXX XXXX XXXXXXXX Account : XXXX Date : XX/XX/XXXX Amount : {$230.00} XXXXXXXX XXXX XXXXXXXX Account : XXXX Date : XX/XX/XXXX Amount : {$140.00} XXXX XXXX XXXX  Account : XXXX  Date : XX/XX/XXXX Amount : {$19000.00} XXXXXXXX XXXX XXXX  Account XXXX XXXX Date : XX/XX/XXXX Amount : {$45000.00} XXXX. XXXX XXXX XXXX XXXX Account : XXXX Date : XX/XX/XXXX Amount : {$19000.00} XXXX. XXXX Account : XXXX Date : XX/XX/XXXX Amount : {$650.00} Fraudulent Inquiry : XXXX XXXX  A Date : XX/XX/XXXX
Product: Debt collection

XX/XX/2020 i received court paperwork by mail saying the law office of James Vaughan was Garnishing wages for a debit owed. i called the company and said the name on the garnishment was not mine, it is addressed to XXXX XXXX XXXX and XXXX XXXX, the rep said the first 3 of the SS # were incorrect and that i need to send a email to them stating the i am not either one of these people nor do i know them, i did as the asked. On XX/XX/2020 i received another set of paperwork stating they were continuing with the garnishment and lien. i again called the company and said this is not me, they told me that SS # was on it so i need to pay it, i tryed to tell them i never had the last name XXXX the said i was a lier and im going to pay it regardless of what name is on it. they said the collection is from a apartment complex in XXXX i never lived in that complex in that year. i asked them to show me proof that i signed the lease and used my id to get the apartment, was told i that to prove to them i didnt get it they dont need to prove anything.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX, EXPERIAN, AND XXXX for failure to report information in compliance with the Fair Credit Reporting Act ( FCRA ) and the Metro 2 reporting standards established by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S.C. 1681s-2 ( a ), data furnishers are required to provide accurate and complete information. However, the entity in question has reported inaccurate, incomplete, or unverifiable information on my credit report, violating these standards.

Despite my dispute, the information remains unchanged, and the furnisher has failed to provide proper verification. Under 15 U.S.C. 1681i ( a ), credit reporting agencies must investigate and correct errors within 30 days. This failure to comply directly impacts my creditworthiness and financial stability.
Product: Credit reporting

I have a number of accounts that do not belong to me these accounts were opened fraudulently using my stolen idenity their was an address which was also fraudulently used and that is XXXX XXXX XXXX XXXX, NC XXXX are the accounts that are fraudulent Account 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 consultant XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I got a notification on credit karma that credit card with XXXX ( formerly XXXX ) that reporting past due. I have not used the card in over 7 months. On XX/XX/22 I called XXXX, after holding and being transferred to different departments for almost an hour I filed a Fraud claim as I never made the {$17.00} purchase. I expected that the open Delinquency would be removed but I was told that it would take up to XXXX as they investigate. I advised them that I am closing on a house in less than XXXX and that it needs to be removed. I was transferred to a XXXX ( fraud dept ) whom was very rude and short with me. I advised that this could have been prevented had I received proper notice of the account balance / status via mailed statement / email / text / call, but I didnt receive anything notifying me. He claimed that they have been sending statements, I advised him that XXXX XXXX even have my correct address updated. On XX/XX/22 I called to update my address, when I called XX/XX/22 they still had my prior address on file. I also mentioned that I have been mail forwarding ever since and have not received any information about my account owing a balance or being past due. He said that he can transfer me to the credit card dept and maybe they can better assist. Then I waited XXXX more minutes and was transferred XXXX more times ( was on the phone XXXX hours & XXXX minutes total ) I was transfer to visa credit card dept but was told they can not help and I was transferred to XXXX XXXX, they advised the same. That they can not help me and I would have to wait up to XXXX, said maybe XXXX just didnt want to deal with it as Credit Card XXXX can not help either. I mentioned that this could affect my personal life / ability to close on my home as this information is incorrect and the transaction is fraud. I have never in my life been late on a single account and now this could prevent me from closing up n my new home. I need this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX : Identity Theft Victim To whom it may concern : I am a victim of identity theft, and I did not make this charge. Enclosed is a copy of my Identity Theft Report supporting my position? In addition, I am enclosing a copy of sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These enclosures also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that information you provided to is the result of identity theft. 


Sincerely, XXXX XXXX Enclosures : Identity Theft Report FCRA Sections 605B, 615 ( f ), 623 ( a ) ( 6 ) XXXX XXXX  POSTED ON XX/XX/XXXX XXXX XXXX XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXX  POSTED ON XX/XX/XXXX XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXX XXXX XXXX ON XX/XX/XXXXXXXX XXXX XXXX XXXX POSTED ON XX/XX/XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXX POSTED XXXX XX/XX/XXXX XXXX XXXX POSTED XXXX XX/XX/XXXX XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXX XXXX POSTED ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX POSTED ON XX/XX/XXXX, XX/XX/XXXXXXXX XXXXXXXX POSTED ON XX/XX/XXXX, XX/XX/XXXX XXXX POSTED ON XX/XX/XXXX, XXXX  XXXX, XX/XX/XXXX XXXX  XXXX POSTED ON XX/XX/XXXX XXXX XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXX XXXX  POSTED ON XX/XX/XXXX XXXX XXXX XXXX POSTED ON XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX POSTED ON XX/XX/XXXX XXXX XXXX ON XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following have violated my rights ; XXXX. XXXX, XXXX acct # XXXX XXXX & XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # 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 an account without my written instructions.
Product: Student loan

For the past XXXX months I've been making payments through edfinacial services but everytime I've made a payment online the payment always gets reversed for no reason. I've called them many times but every time I ask them they always say " I don't know ''. They said twice to call your bank. I called XXXX and they said all the bank info I've given them information is correct and that it's definitely edfinancial 's fault. The only somewhat effective payment strategy that I've done is debit card payment over the phone. However, even though they recieve the money because the method is auto allocate only the payment only ever goes to the first XXXX loans. Thus, I contiously end up with a past due amount on my other XXXX loans. I've recently made a payment online toward the past due amount. Right now it says they recieved it but I'm worried that either tomorrow or within the next few days it will once again be reversed for no given reason. Accoarding to my bank I'm being puinshed for their mistake.
Product: Debt collection

On XXXX XXXX, 2022 I spoke with XXXX XXXX on behalf of XXXX XXXX of SpringOak Capital about a debt showing on my credit report. 
XXXX told me, the contract for my debt has been sold from XXXX XXXX Bank to Spring oak capital, without my consent. I demand the ORIGINAL contract agreement that I signed giving consent to my debt being sold be sent over to me immediately. This is not the first letter or complaint filed with this company. Please see attached. 
XXXX Print complaint CLOSED Submitted STATUS Submitted to the CFPB on XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a collection on my XXXX on XXXX. The debt collector sent a letter with private medical information, no written consent for them to have this, so they violated XXXX. I dont feel it was investigated, as I also included proof that the was in 2016 and its being reported as a new debt. I didnt know of this debt because I was covered by Medicaid, but found out they had my information incorrect, so it didnt cover this debt. I cant contact the original debtor because they no longer exist.