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

I received notification back from the XXXX XXXX XXXX XXXX XXXX District of Michigan that states they do not provide information to third parties or credit agencies. Under the Privacy Act of 1974 and the FCRA ( XXXX USC XXXX ), any and all authorization that they believe that I have given to them, they no longer have the bankruptcy needs to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

SINCE XX/XX/2018 I HAVE BEEN DISPUTING THIS BANKRUPTCY SOMEONE USE MY INFORMATION. I HAD NEVER HAD ANY ACCOUNT ASSOCIATED WITH BANKRUPTCY PUBLIC RECORD. I THE BUREAU ASKED THEM FOR METHOD OF VERIFICATION WHICH THEY FAILED TO DO. I FILED SEVERAL COMPLAINTS. XXXX XXXX REMOVED THE REMARK AND BLOCKED AND SENT CORRESPONDENCES TO THE BUREAU RECENTLY XXXX XXXX DISPUTED IT AGAIN AND ASK THEM TO REMOVE IT THIS INFORMATION REPORTING ACCORDING TO THE LETTER I RECIEVED FROM THE COURT ABOUT THIS CORRESPONDANCE IS COMING FROM XXXX A THIRD PARTY VERIFICATION. I HAVE ASKED FOR THE PROCEDURES BECAUSE MY RIGHTS UNDER THE FCRA 611 FCRA 605 B, AND FCRA616 HAVE BEEN VIOLATED. I HAVE ALSO ASKED TO PRODUCE ANY ACCOUNT I MAY HAVE HAD ASSOCIATED WITH BANKRUPTCY THEY HAVE FAILED TO DO THAT
Product: Debt collection

Had a alert from credit agencies that a collection was placed on all 3 bureaus. Don't no what it is or never contacted. Closing on house in 3 weeks and bank needs resolution. Thank you and please get removed. Checked on this company and found numerous complaints.
Product: Mortgage

My mortgage is serviced through AmeriHome Mortgage. I applied for and was granted a 90 day forbearance under the CARES Act. The forbearance was to start for my XX/XX/2020 payment and extend through XXXX, with the next payment due XX/XX/XXXX. I have attached a copy of the acceptance letter. They then sent me an invoice which was for the XXXX payment. In that invoice, there was a threatening message about being delinquent on my payment and threatening late fees and negative credit reporting. Both of these are against provisions of the CARES Act. I sent AmeriHome an online message stating my concern and unhappiness about how they word invoices and in general, how they treat their customers. The response was an automated message about applying for a forbearance. I have attached both XXXX and XXXX invoices. The acceptance letter and a printout of the online message. I have since paid both of XXXX 's and XXXX 's payments ( {$6000.00} in total ) because of their poorly worded invoices and threatening messages.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my financial institution and zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that zelle not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency in unacceptable and raises concerns about consumer safety.
Product: Debt collection

TO NOTE : I already disputed on CFPB about this same case last year. The case number is XXXX. The company responded and removed the debt off my name. But I don't know why it is showing up again this year. 

National Credit Systems Inc reported that I owe them {$150.00} when I stayed with XXXX XXXX XXXX XXXX XXXX. However, the debt actually belongs to someone else who stayed at XXXX XXXX XXXX XXXX XXXX but left even before I moved in. We have the same last name and our first names are similar. The first three letters of the first names are the same. This might have caused the company to think that we are the same person. I entered the United States in XX/XX/XXXX for the first time and moved into XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. However, this charge was caused by the previous tenant when they moved out on XX/XX/XXXX. I have US customs documents to prove this, if necessary. In XX/XX/XXXX, a debt of {$150.00} showed up on my credit report. XXXX refuses to remove the debt off of my credit report. So I had to contact National Credit Systems ( NCS ). NCS sent me the files including the itemized charges and the lease on their record. All these files show the previous tenant 's name on it, not mine. I disputed to them, sending my id, trying to prove to them that I am not the debt owner. I even sent them my US customs documents, showing that I had never even entered the US until this point. Still, they say that this is not enough, and I need more proof. This issue also happened in the past with this same person. They owed XXXX XXXX XXXX {$550.00}. This caused a mess to my credit report and I noticed it when I applied for my first credit card in XX/XX/XXXX. I called the main credit bureaus such as XXXX and XXXX to remove the debt for me. They did, without issue. The debt owner and I do not even have the same name and she moved out before I even entered the US for the first time. In the attached documents, you can see that debt owner and I are completely different people. Description for the attached documents : 1. NCS Account.pdf- shows the debt information including name, amount, account number and the unit number of the XXXX XXXX XXXX XXXX XXXX ( All this information shows the debt owner is not me. ) 2. Itemized Charges {$150.00} from NCS.pdf -- shows the charging details. Again, the listed residents are not me. XXXX. XXXX XXXXXXXX XXXX  -- This is the lease I signed with XXXX XXXX XXXX XXXX XXXX for unit XXXX, starting from XX/XX/XXXX. XXXX. XXXX XXXXXXXX XXXX XXXXXXXX  -- This is the lease the debt owner signed with XXXX XXXX XXXX XXXX XXXX for unit XXXX. XXXX. XXXX -- This is the dispute case details on CFPB that I submitted last year.
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied for XXXX XXXX XXXX upgrade which was issued. Then tried to increase credit limit. This was denied with the reason you are participating or have recently participated in a payment relief or deferral plan. This is false. We have a credit rating of XXXX which we verified on the XXXX app. We went through this several months ago with my wifes XXXX card. There is something very wrong. We made several calls a few months ago and the people we spoke to said there was nothing they could find but XXXX continues to send this report. Have been a customer of XXXX for 23 years. Dont think we will make it to 24 years but I want this information fixed
Product: Credit reporting, credit repair services, or other personal consumer reports

as of receiving my credit report I noticed things I did not do and places I have not lived. Unauthorized activity I would like them permanently deleted from my credit. There are wrong addresses of places I have not lived and different spellings of my name and accounts I did not create nor authorize. Wrong Addresses include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX Highway XXXX XXXX, AL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX, XXXX XXXX XXXX XXXX XXXX LOT XXXX XXXX, AL XXXX. Wrong XXXX of my name include : XXXX XXXX XXXX XXXX XXXX rental car, balance {$560.00} XXXX XXXX which I have never rented a car. Car Loan Not by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Medical Bill Not by me : XXXX XXXX Physician XXXX, Balance {$280.00} XXXX XXXX
Product: Debt collection

Bank of America reports a debt that was discharged in Bankruptcy as having a balance, as being charged-off, and as being past due. 

Various courts have held that reporting a discharged debt as a charge off is advantageous to the bank because it can keep the debt on its books and makes the overall portfolio more valuable.
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN AND XXXX They are playing games to keep making money by providing NEGATIVE information that's out dated about my credit habits. I requested that they remove said negative accounts that have been paid off for years. Anything short of deleting negatives files is FRAUD in my book.
Product: Credit reporting or other personal consumer reports

Sunrise Credit Services obtained my personal information without my consent. I have no knowledge of the company/person. I do not know who this person/company is. I have never did business with this person/company, nor did I ever agree to do business with this person/company. There is no signed contract, and I am not responsible for any alleged debt with this person/company. I did not agree to any type of communication with this person/company.
Product: Credit reporting, credit repair services, or other personal consumer reports

See new information supplied. I have made at least 50 complaints regarding XXXX XXXX XXXX XXXX who loaned for a car in my name but was identity theft ; account # XXXX. However there is still misunderstandings. The credit reporting agencies reply with form replies on complaints and have stated " For example, organizations that have granted you credit or with whom you have applied for credit, or entities collecting on transactions that you initiated or on judgments rendered against you, are permitted to make inquiries on your credit report. '' There are misunderstandings. The car purchases were identity theft. Credit was given to the thieves using my name. I never had use, benefit, or possession of the two cars. I assisted XXXX XXXX XXXX XXXX is locating and taking possession of the car. I filed the attached identity theft report I filed the attached Sheriff 's report. The thieves were also using stolen cards to make the payments. The thieves were also stealing from my mailbox. XXXX  and Transunion need to understand that XXXX XXXX XXXX XXXX will list this complaint as a duplicate complaint again without supplying any explanation, supplying a copy of the credit report pulled in my name, nor has XXXX XXXX XXXX XXXX explained the incomplete credit application that was processed nor have they supplied the permissible permission used to access my credit report. I expect Transunion and XXXX  to review the documents and remove the negative listing from my credit report. I intend to file complaints and petitions that my credit report was accessed without my permission and XXXX XXXX XXXX XXXX allowed criminals to purchase a car in my name.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, I traded cryptocurrency on a legal, secure platform and used PayPal as a method of receiving payment of {$160.00} USD. I instructed the buyer to make screenshots from her own account as a form of receipt and made sure she was paying from her own account. 

However, I received a message from PayPal on XX/XX/XXXX, saying buyer has opened a case against me and claimed the transaction was unauthorized and asked the payment to be reversed. I uploaded evidence on PayPal 's portal, including 1 ) XXXX as legal cryptocurrency trading platform ; 2 ) evidence that I have already delivered the currency to buyer 's account ; 3 ) screenshot from buyer, clearly showing that buyer was able to use own account to make payment and screenshots. It is definitely an authorized payment from buyer 's end. 

After uploading these convincing evidence, PayPal did not contact me once before closing the case in buyer 's favor, and immediately deducting the payment with {$20.00} chargeback fee. I believe it is PayPal 's responsibility as a third party digital wallet vendor to make sure it prevents fraudulent access to accounts, not only mentioning that these evidence strongly prove the buyer 's account was in her own possession when she made these payments. 

PayPal does not have the right to be as an arbitrary 'judge ', forcefully deducting money from innocent people 's digital wallets to compensate for its failure to secure user 's accounts.
Product: Student loan

My current loan servicer is Navient and I believe that I have been failed by the company during the repayment process of both my federal and private loans. Some issues include : 1. I had to set up automatic loan repayment on 4 separate occasions. Each time I thought that the auto payment had been set up Navient sent me a confirmation but when the loan was due they did not withdraw payments. This resulted in 3 late payments that are now recorded on my credit score as well as interfered with my loan+interest payoff. When I asked for an explanation they said it was the fault of my bank. 

2. I had called Navient with multiple requests to lower payments and refinance. I was never given the option to lower a payment and was told I was not able to refinance or consolidate my loans.
Product: Debt collection

Portfolio recovery Ass reached out to me due to accounts taken in someones name similar to mine. The last 4 of SSN on this account does not match my SSN. The address used for the accounts also dont match what I had on my report. But somehow its reporting on my Credit profile. The original creditors are not listed under my creditors on my profile. So I dont know how this collection company can add a collections to my profile when the original creditors are not associated with my profile. 
On XX/XX/XXXX two collection balances for {$410.00} and {$580.00}, original creditors XXXX XXXX was added to my account. I called the original creditor and the only account they had for me tied to my name and SSN is my XXXX account. Which is current.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX XXXX : XXXX Consumer XXXX : XX/XX/XXXX Contents of Complaint : This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Information consists 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 XXXX XXXX ; Opened On : XX/XX/XXXX These items have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer FICO Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries in question as a well as a copy of My Consumer Credit Report. I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud. I request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The XXXX Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving said complaint. I request that all written confirmation ( s ) regarding this CFPB Complaint be sent via email to the email address : XXXX -Attached below are supporting documents -A Letter formally detailing the information of my dispute and stating consumer laws -A Fraud Affidavit -Copy of US Issued ID ( Proof of Identity ) -FTC ( Federal Trade Commission ) Identity Theft Report
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? 
I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX and XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. XXXX XXXX. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a letter from XXXX XXXX reference # XXXX. Describing how I've been turned down for a pay pal credit account. The BIG problem is I never applied for a pay pal credit account?? This is very alarming as to who is using my personal information and how did they get it?
Product: Debt collection

I have no idea why they keep calling me are and they keep calling me and leaving messages for me to call them which is against the law to harass a person for a debt that I do not recall ever receiving a letter but I have lots of messages from them and they are constantly calling me and breaking the law by doing so. It is now not a matter of a collection it is now a method of harassment and it is against the law what they are doing regardless if it is concerning a bill no one has the right to keep calling and calling and harassing anyone.
Product: Money transfer, virtual currency, or money service

I am filing a complain against CashApp due to in adequate customer service and unfair practice which violates the consumer financial protections act. CashApp fail to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Also their dispute resolution process was unfair and deceptive as they do not comply with error resolution requirements under the electronic fund transfer act and regulation E. These actions have caused significant inconvenience and financial loss. I seek appropriate redress for these violations!
Product: Checking or savings account

I have contacted the bank on many occasions to have the department to contact me concerning the events. this started with enterprise rental car, I had a rental due to a damaging my car. The person 's insurance paid for the rental portion of the car in full. The only thing I was to pay for was a {$50.00} deposit. I contacted the bank after I noticed charges were put on my card from the rental car. i contacted them which was their main reservation department. I was told they would follow up never did. I contacted the bank disputed being overcharged. My act was credited for that amount. I was sent a letter stating the charges were accurate they would be reversing the charges. I then called ask that the investigation department contact me they would take the information tell me that it had to emailed they would contact me, that never happened I called on three different occasions. I eventually realized no one would ever contact me, so I did my own investigation. I went back to the enterprise office spoke with the manager he agreed I shouldn't be charged the insurance company paid the full balance of my rental. He creditied back my Navy federal card. I then call the bank and metioned this told them i got this done in less than ten minutes. Why weren't they able to resolve this? The investigators were supposed to be working on my case. However I aske that they remove the fees my account has accumulated because of this. The agent I was speaking with said she would remove two fees, I told her i would not accect that this could have been resolved months ago had they followed through, she again transferred me to the manager voicemial but of course no one has contacted me until this day. I want the fee removed from my account. They didn't do anything to help me as a customer of Navy Federal, I'm telling them this company charged me amounts they werent supposed too, If I would let it go my money would just be gone. Navy federal made no efffort to attempt to make sure I wasnt being overcharged,
Product: Debt collection

On XX/XX/2022 XXXX XXXX Solutions reported a collection charge off to my credit report. The report is fraudulent and the information on file is not my accurate information and I never lived at the address listed on the debt.