23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

ChexSystems is NOT replying to my claims. 
The FCRA Section 605B does NOT allow ChexSystems the right to NOT block items on my credit report with them, because ChexSystems " thinks '' that my police report, is LIMITED to the time frames I THOUGHT the ID theft occurred. ChexSystems is NOT blocking ID theft items because they are interpreting the law in their own way. I have provided them copies of the law to show that they are totally incorrect in their interpretation. They feel they have answered my claims when in fact they are lying and avoiding my claims. Section 605b of the fcra does not allow any time frames to be interpreted into the law it only allows for them to block the items I claim as identity theft if I submit an identity theft report. Check systems must block the items within four days of receiving everything that the law requires of me which I have provided them several times. Their refusal to act according to the law is my claim here. They interpret the law differently than the law is written. That is illegal and they are breaking the law by doing this because only Congress can rewrite their laws and only the courts can interpret the laws to have them be valid period check systems does not belong to either one of those entities and so they have to follow the law and not rewrite the law period my claim is because I was a victim of identity theft since the XXXX 's, and when I filed the police report in XXXX I was not aware of the full extent of the identity theft or how long it would last. Section 605b of the fcra does not give time frames or allowances for the credit reporting agencies to interpret the law and say your identity theft claimed items do not fit into your police report. That is what they are wrong and breaking the law. This is what I want them to respond to. The fact they are not reporting XXXX or XXXX or XXXX on their systems anymore is nothing to do with them period I did all the work to get those things removed from my personal information all they had to do was follow up and see that the company did not want to report anymore. They act like they did something when all they did was harm me for over two years with XXXX and XXXX and three months with XXXX period because they reported those items against the law. Please have check systems reply to these claims and not how they 're trying to divert attention from the fact that they are breaking the law and rewriting the law and think their policies are the new law. All I have to provide them is a copy of an identity theft report and then ten years after that report I can say I 'm still a victim of identity theft and that 's identity theft and they have to block that item without question within 4 business days. The fact they 're saying it does n't fit into the police report his where they are lying and breaking the law and they can not reinterpret the law the way they are.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to file a complaint against Cavalry Portfolio Services, XXXX and XXXX XXXX, as well as the three credit reporting agencies for not accurately reporting information, even after they were provided proof. 
This account is years old, it originated from a XXXX Credit Card that went into collections. Last year ( 2020 ) I had a wage garnishment set in place by XXXX and XXXX XXXX ( located in Arizona ), through XXXX, that took 30 % of my check, leaving me with {$700.00} every 2 weeks to live on for a total of a 6 week period. The total due at the time was {$860.00}. As of XX/XX/2020 that garnishment was completed. Reference Case ID XXXX. 

Since then my account in collections has been increasing by {$2.00} every month, which I have reported as inaccurate to XXXX, XXXX, and XXXX. To which XXXX and XXXX sent me a letter stating my debt was a valid debt, EVEN THOUGH it was 100 % paid off as of XXXX of 2020. The credit agencies refuse to take this account off my report and Calvary Portfolio ServicesXXXX and XXXX XXXX are acting fraudulently by reporting I have not paid anything AND INCREASING my total debt due every month.
Product: Payday loan, title loan, or personal loan

The loan Company Dollar Loan Center reported i was 30 to 90 days. I called and caught of tge payment, made it current and I was told that the wouldnt report to the credit bureau, if I paid all the past due interest and made it current. I was told due to Covid 19 they wouldn't report it. The still reported it and it was only 30 days and I paid the interest and made it current. It should have never been reported due to agreement and Covid 19 policy for the company. I
Product: Credit reporting, credit repair services, or other personal consumer reports

Macys account never late
Product: Credit reporting, credit repair services, or other personal consumer reports

Currently have a security freeze on my Equifax report due to past fraudulent activity. Between XXXX XXXX, 2019 and XXXX XXXX, 2019, I have had six hard inquires that were not authorized nor notified by the companies that this inquiry was taking place. 

On XXXX XXXX, 2019 after being notified that these inquires had taken place, I contact Equifax by telephone and talked to XXXX ( customer service representative ). This person could hardly speak English and begin to ask verification questions which were all answered correctly. At this time, he refused to help me and was told that I had to contact all the companies. 

This is why I have a security freeze on my Equifax credit report so that these types of issues do not happen and yet it still happens.
Product: Credit reporting or other personal consumer reports

According to per 15 USC 1681 I DIDNT AUTHORIZE THE REPORTING OF THE ACCOUNTS UNDER 15 USC 1681XXXX XXXX XXXX XXXX XX/XX/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 XXXX
Product: Student loan

Back in when I was first looking into attending college, a Wells Fargo banker gave me the impression that I needed a private student loan in order to cover school expenses that did not directly relate to tuition, such as purchasing a laptop for school. Since that time, I 've discovered that such information was false and that one does not typically pursue private student loans unless the cost of tuition exceeds the total amount of public loans/grants that available publicly. 

The result of this misleading information was that I signed up for a pair of private student loans to fund my XXXX college education, and I 've been stuck paying over {$200.00} a month for several years since the end of my education -- well over the average amount for most college students. 

In addition to obtaining this misinformation relating to college funding, I 've been denied student loan consolidation through Wells Fargo, even after having been pre-qualified for it. Wells Fargo initially miscalculated my income as having been bi-weekly instead of weekly. I corrected this information and was still denied the loan, and I never received an explanation regarding the denial.
Product: Checking or savings account

On XX/XX/year>, I reported XXXX unauthorized charges on my account totaling {$170.00}. The Claim ID for these charges is XXXX. Bank of America issued a temporary credit of {$170.00}. However, on XX/XX/XXXX, I received a notification stating that the charges were deemed valid, and the temporary credit would be reversed as of XX/XX/XXXX. Despite this decision, I have not received any evidence from the bank proving that these charges were legitimate. 

I reported the charges as fraudulent because I did not authorize them. I am requesting that Bank of America reverse the charges immediately. If this issue is not resolved, I will be forced to transfer my business and funds to a different bank that cares about its clients.
Product: Debt collection

It started in the months of XXXX, XXXX, XXXX, XXXX and i had experienced a day that had my worse nightmare on XX/XX/2020, MIDLAND CREDIT MANAGEMENT INC Amount indicated owed : {$2200.00} This company knocks my apartment before XXXX and late in the evening past XXXX. 
This company also went to my leasing office asking information about my whereabouts and asking the leasing office if they can open my apartment for them. They also requested my leasing to call me ( in their presence ) to reach out to me while they are in front of the employees in my leasing office.

This company also screams my First Name and Last Name on my doorsteps on Saturdays and Sundays knocking our doors loudly. Completely scary mafia like they will kill you! This company also sends collectors and asking our neighbors on my
whereabouts. This company continues to harass me at my residence. Our neighbors are also disturbed with them knocking my doors ( including my neighbors ), while " screaming calling out my first name and last name '' to open the doors for them.

They leave messages in my doorsteps indicating telephone number to call them back and when you speak with someone, that person from their side ( collector ) will say they can send someone to arrest me, send a police if a debt owed is not settled.

Extremely scary company with their non-ethical practice. I do not owe anything nor made a contract agreement with this company.

This company also reported derogatory information to my credit file with the three credit bureaus.
Product: Debt collection

This was open up on my credit report on as an collection XX/XX/XXXX  for XXXX from I C System..
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 Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX  Account Name : DEPTEDXXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number: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: 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 Refulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Payday loan, title loan, or personal loan

I was XXXX from XX/XX/XXXX to XX/XX/XXXX. I had a SELF. account that was past due XXXX  months because of miss payments. I don't have a job yet and my account got shutdown and my credit was badly hit because of that. I called them and asked to get it removed and was told to call a credit bureau ( XXXX ). Which told me they can't take it off my report. I need it off my report I can not make the payments and its badly effecting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX recently started reporting Re-Aged Disputed Mortgages that had already been removed over a year ago due to the 7 year Limitation. The Accounts last reported delinquent payment was in 2009. It  appears they simply removed the old Info and started re-reporting even with False information of a payment even though one was never sent and the Historical Information they provide clearly shows no payment has been received. The issue is compounded with trying to deal with Equifax. Even though Equifax has and was provided documents from themselves in the past they simply send back a letter saying XXXX states they reported correctly ( Information is blank or conflicting ). The agents in the call centers have no ability to do anything but re-dispute. When I have been able to actually speak to a empowered person like a supervisor at XXXX XXXX for example they actually review the documents with me and clearly see the issue with a resolution. The Equifax agents appear to be not USA based and never allow you to even get to the Survey to complain. I have actually let my phone sit on mute for almost a half hour to be hung up on. This same issue has happened to my husband 2 times in the last few months again with XXXX and Equifax. Equifax needs to fix its dispute system and XXXX needs to be held liable for the abuse of its reporting
Product: Debt collection

Midland Credit Management currently lists three accounts on my credit report, all related to credit cards from XXXX XXXX, with the following details : Account 1 : Balance of {$560.00}, opened XX/XX/XXXX, with 100 % of the balance remaining unpaid. 
Account 2 : Balance of {$450.00}, opened XX/XX/XXXX, with 100 % of the balance remaining unpaid. 
Account 3 : Balance of {$1500.00}, opened XX/XX/XXXX, with 100 % of the balance remaining unpaid. 
These accounts were all reported on XX/XX/XXXX, and are marked as derogatory on my credit report. I have made payments toward these credit cards in the past, and I am concerned that these payments have not been accurately reflected in the balances reported by Midland. I am requesting a detailed breakdown ( a full ledger ) of each account, including all transactions, payments made, and any fees assessed, so I can ensure that the payments were correctly applied.

I am disputing this information to verify the amounts they are attempting to collect from me.
Product: Credit reporting or other personal consumer reports

I am writing to urgently seek the Consumer Financial Protection Bureau 's intervention concerning severe discrepancies in my credit report, which have gravely impacted my financial well-being and threaten the stability of my family. 

Background : I have identified inaccurate and potentially fraudulent reporting by certain creditors in collaboration with credit bureaus XXXX and XXXX. Despite presenting substantial evidence of these discrepancies, the negative accounts persist on my credit report, obstructing my ability to secure a home loan at a pivotal rate. 

Please see the attached supporting documents for all details relating to matter.
Product: Bank account or service

I used a balance transfer check ( Hardcopy ) between XXXX ( XXXX XXXX XXXX XXXX XXXX ) and BOA ( Bank of America ). I was having computer issues so I ended up having to drive out of town to submit in person. The teller at XXXX accepted the check. After I did that I came back to my local library and tried to confirm it online. Their printers were offline so I could't create a record. I have also reported issues long ago in a previous case. ( XXXX XXXX XXXX XXXX XXXX ) When I was able to successfully log onto online banking it reads as the balance transfer went through except it charged me XXXX. It entered it on XX/XX/2016 instead of the day I gave the bank my balance transfer check in person. ( XX/XX/2016 ) Then they sent a check to my bank and it was also dated XX/XX/2016. I have yet to return it to Bank of America. The real problem here is the balance transfer online with Bank of America reads as is the balance transfer access checks read as XXXX XXXX. I do NOT currently have an active account, credit card, or savings account with XXXX XXXX. The past issue with them had also to do with an employee, credit protection, and activation of XXXX or more credit protection plans as well as inappropriately using my debit card at another bank ( XXXX XXXX ). I have reported many things about my name and mail for a long time. I hope if this is the person using my name that you can catch the person using my identity. I am also signed up for identity theft protection currently and all of my children and I have protection underneath all the protection plans currently. XXXX, XXXX and I also had an event with the XXXX XXXX website as well. My reset password function showed myself and someone else 's name. XXXX XXXX at XXXX XXXX to my email XXXXXXXXXXXX. The Washington XXXX website ended up firing XXXX employees with the State of Washington XXXX XXXX XXXX and her brother who was an IT Technician for sharing confidential patient information between each other. I would like this to go to the appropriate agency so I can claim money from my long term issues involving my life and also claim issues for my children. Both are currently considered XXXX now but this has occurred so often as well as prior to them turning XXXX. This is just the latest issue and I want it all to stop as soon as possible. Very XXXX and it has affected the quality of my life. Thanks.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Fax Numbers ( XXXX ) XXXX Fax Phone Numbers ( XXXX ) XXXX Phone ( XXXX ) XXXX http : XXXX They have been trying to collect on an auto loan that has been paid off. XXXX XXXX # XXXX balance {$8900.00} date opened XX/XX/2021 for Carmax Auto Finance # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on  XXXX / XXXX /  XXXX   I called  Citibank Home Equity Loan Dept  to inquire about a home equity loan that was paid in full however continues to show that we are late with payments. I faxed over a dispute letter as instructed along with a satisfaction of mortgage to Citibank and was told I would get a letter in the mail and also an email stating that the dispute was being processed. I called them on  XXXX / XXXX /  XXXX   to inquire about both since I did not receive it and the person I spoke to said the letter was mailed out on  XXXX  and that I should receive it on  XXXX / XXXX /  XXXX  . I still had no email. on  XXXX / XXXX /  XXXX  , I called to say that I had n't received any letter/email and was promised that a faxed copy of the letter would be sent to me by the end of that business day which I did not receive. On  XXXX / XXXX /  XXXX   I called and was transferred to several people for almost  two  hrs to finally speak to a supervisor that said that my dispute was not opened up properly and that no letter was available to send me. I have been asking for a letter to provide to my mortgage broker stating that we are paid in full and are not late with any payments. After that supervisor  XXXX  hung up on me I called back and got a person named  XXXX  who said that he was send me a paid in full letter that I could send to the credit bureaus and it would be faxed and emailed to me within  24  to  48  hrs. This is delaying my mortgage process.  XXXX  even said that we are paid in full and have no current business with Citibank but the service has been horrible, I often get transferred from  one  person to another. Im told various things and nothing seems to be happening to get my credit report corrected. my credit reports states that I have been late from  XXXX  to current.
Product: Money transfer, virtual currency, or money service

On08/17/2022 I was purchasing a vehicle and needed to send the money to my friend XXXX XXXX phone number XXXX. Evidently I fat fingered a number and mistakenly sent it to the wrong person. I immediately contacted chime. They informed me that there was nothing they could do and that I needed 5o contact the person I sent it to. I have requested the {$1500.00} that I sent to $ XXXX back XXXX There has been no answer back or any payment from her. I had the representative on the phone and my app opened up while the rep was telling me how to cancel the payment and it was only XXXX minutes when they told me there was nothing more they could do. I find it hard to believe that they could not try to contact the receiver and inform them to return the money or help me in any other way. The transaction number was XXXX. The only way I know this number is going to my XXXX app where it shows this transaction number I could not find it anywhere in the chime app. I feel that I was quick enough in contacting the chime representative to cancel the transaction. I felt like I was being laughed at when talking to the supervisor and explaining that I need that money back. This will most likely force me homeless if I don't get this money back. This company has millions in revenue. This money is nothing to them. To me it is everything. I don't know what else I can do other than give my home up and live in my camping tent. Plz understand this was a simple mistake and there should be some safe guards with these types of transactions for when things like this happen. 
My name is XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX XXXXXXXX. My email is XXXX number is XXXX.
Product: Credit reporting or other personal consumer reports

Fraud accounts being relisted in violation. Please block all fraud accounts and related inquiries per FCRA, XXXX XXXX and CFPB unless you can provide valid verification and original signatures. XXXXXXXX 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  FOR {$1500.00} XXXX filed XXXX XXXX ORIGINAL POLICE REPORT attached, address, emails, current bank statement, FTC, supplemental police report and ID attached for verification thank you
Product: Credit card

On XX/XX/2023, I purchased two plane tickets from XXXX XXXX. Each ticket cost {$350.00}. I attempted to pay for the tickets using {$290.00} worth of flight credit ( each ) and the remaining {$60.00} ( XXXX ) on my American Express card. Instead, XXXX XXXX charged the full amounts ( two separate charges of {$350.00} ) to my American Express card. 

When I noticed the error, I attempted to call XXXX XXXX several times. I spent several hours on hold but was never connected to a live person and therefore unable to resolve their error. 

My next step was to dispute the charges with American Express. Since XXXX XXXX charged the two tickets separately, I created two disputes, one for each charge. In each dispute, I explained what I have explained here : that I was only supposed to be charged {$60.00}, not {$350.00} for each ticket. I included receipts and screenshot to support my assertion. 

XXXX dispute was immediately resolved in my favor and the amount of {$290.00} was correctly credited to my account. 

The other dispute, although it contained the exact same information as the first, was not resolved in my favor on the basis that " the amount billed is correct and there is no billing error, we have no basis to contact the Merchant on this matter. '' The amount absolutely is NOT correct. There IS a billing error. And they have every basis to contact the Merchant ( if they can even get ahold of them ). This goes to show that they did not even read the content of the dispute or review the information I attached as evidence. It does not make sense that for two identical disputes, one was appropriately dispositioned and the other was clearly not even read.