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

I am having a problem with Navient on all of my credit reports .They are purposefully double posting collection balances to harm my credit even further. Navient did not supply me or inform me with the proper options to defer my student loans until I was able to pay them. It is illegal for a creditor to post a collections account multiple times for me to inquire multiple negative score changes or impacting on my credit score negatively. I am requesting that Navient corrects this and delete all of the late payment history as they never gave me an option to manage this debt correctly.
Product: Checking or savings account

On XX/XX/XXXX, I received a letter from USAA indicating that my savings account was overdrawn. Since I had not accessed that account for over a year, I went online to check what was going on. 

Staring XX/XX/2020 USAA allowed a XXXX XXXX XXXX ( a person I do not know / am not related to ) to set up monthly ACH withdrawals to XXXX XXXX XXXX  to pay his bills. The first ACH was for {$170.00} and the four subsequent ACH 's were for {$130.00} each. 

Needless to say, I am not XXXX XXXX, nor have I ever heard of him. Further, I have never heard of XXXX XXXX. 

I immediately called USAA to rectify this problem. The customer service representative indicated that it was completely USAA 's fault - it is in their records that they have the ACH payments going to XXXX XXXX on behalf of XXXX XXXX XXXX. Further they indicated to me that they do not cross reference routing and account numbers with the person 's name on the account. Put differently, they were given the USAA routing number and my account number and set up the ACHs in the name of XXXX XXXX and they never checked to see that I am the owner of the account, not XXXX XXXX. 

They issued a stop payment but have so far refused to return the {$700.00} to my account that they allowed to be fraudulently removed. I have called them four subsequent times and have been given the runaround and they refuse to connect me with anyone who can rectify the situation. The only thing they say is that a fraud investigation needs to be completed. However, they have not provided me with the means to approve an investigation ( no letter and the email they sent me to sign has a broken link ). 

Again, this is 100 % USAA 's problem. Their fraud controls failed and they have admitted their mistake, yet they won't give me my money back.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company XXXX XXXX for myself XXXX XXXX last four Social Security number is XXXX, XXXX : XXXX Please delete the following accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I leased a car from the XXXX XXXX dealership and when my lease was up in XX/XX/XXXX, I was told by the dealership if I leased a new car that day ( XX/XX/XXXX ), they would waive the Wear and Tear fee on the vehicle I was turning in. I went home happy with a new XXXX XXXX lease and an intact credit score.

Months later, I received a letter from XXXX XXXX XXXX ( XXXX ) saying I owe a {$620.00} Wear and Tear fee. I promptly called the dealership ( XXXX ) and was assured they would be paying the fee to XXXX and I would have nothing to worry about and I would never hear from them again. 

Another few months pass ( now it is XXXX XXXX ) and I start receiving multiple calls from the same number and finally answer, it was the Collections Agency calling because the dealership never paid the {$620.00} that they had promised me they would and consequently, XXXX sent me to Collections over it. 

I then go to the XXXX dealership and the manager of the dealership writes a check for {$620.00} and sends it to the Collections Agency ( that they should have done months and months ago ). And everything was " settled ''. However, this caused MY credit score that I have worked so hard on, and I have never missed a payment EVER, to drop 70 points The manager of the dealership wrote a letter for me to send to XXXX stating I was not the responsible party for this payment and it should be removed from my credit report, which I sent to the XXXX Direct Dispute address as certified mail along with a copy of my credit report and a letter explaining the situation on XX/XX/XXXX. I have filed complaints with the 3 credit bureaus as well, but the information on my credit report remains the same.
Product: Debt collection

This is the second time a company has attempted to collect a debt from me that is not mine. 

Upon reading the email, I noticed that the account is under my EX wife 's name, whom I have not seen or been married to for 4 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have late fees that is affecting my credit lowering my score. I have unpaid cell phone bill as well
Product: Credit reporting or other personal consumer reports

I checked my credit report and I noticed some inquiries and accounts that was opened fraudulently and I file for an identity theft. Below are the accounts and inquiries that was opened without my knowledge XXXX XXXX {$290.00} opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$360.00} opened XX/XX/XXXXXXXX XXXX XXXX {$2700.00} opened XX/XX/XXXX XXXX XXXX XXXX {$3400.00} opened XX/XX/XXXX XXXX XXXX XXXX {$19000.00} opened XX/XX/XXXX XXXX XXXXXXXX XXXX  opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$16000.00} opened XX/XX/XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$200.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX opened XX/XX/XXXX XXXX  opened XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are incorrectly reporting me as an Authorized User on the XXXX - partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) I called XXXX XXXX XXXX  and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and these line items need to be removed from my credit report.
Product: Credit card or prepaid card

This is my second complaint about Capital One, Previously Ive made numerous attempts to get credited for charges by someone else who used my card with no avail from Capital One. 
I paid Capital One in full, so I am currently at XXXX balanced due. 

My computer was hacked in XXXX my credit was in jeopardy, someone intended to open accounts in my name. And I lost money because my credit card had been used. 
So one day I closed my Capital One online profile ; not knowing that Capital One was going to block me, and locked access to my available credit. 
Ive tried multiple times to restore access to my available credit but Capital One said that my account had been closed by me ; but it wasnt true since Capital One kept charging me interest. 
I became more unhappy after seen that Capital One have had charged me XXXX . Even though my balanced was XXXX, and I was denied of the privilege to access my well earned credit. 
I was a customer of Capital One for at least 10 years if not more. 
My Capital One card ends in XXXX expires XX/XX/XXXX Capital One replied to my previous complaint and furnished someone elses credit statement including name last name and home address. 
That makes me uneasy.
Product: Vehicle loan or lease

I currently have a loan with a credit union ( VyStar Credit Union ) for a vehicle purchased while on XXXX XXXX. According to the SCRA Benefits provided to services members who are currently stationed/reside in the state of Louisiana ( Special SCRA benefits, separate to those from the Federal SCRA ), I am subject to a maximum APR of 6 %. This is a Louisiana Specific law that honors debts occurred WHILE on XXXX XXXX, not just PRIOR to XXXX XXXX. Through numerous attempts to discuss this with their lending department I have been denied. All other lenders I am currently working with have honored this request and VyStar is the only one currently denying the support of an XXXX XXXX member.
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 XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXXXXXX XXXX XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be 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 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 inaccurat
e.
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 proce 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 redres. ( 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 proce 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, credit repair services, or other personal consumer reports

Equifax has not sent me a complete credit report with all my pages missing. Also the practices of updating current accounts paid off. Sending reports with missing pages. I also have a block on promotional and marketing and third parities does not have my consent nor have I given permission or sign anything to sell my info or share with out my consent.
Product: Prepaid card

Bluebird sent an email XX/XX/year> saying they are changing their service agreement. This change could possibly close my account with my remaining money being put onto a gift card. They said if I wanted to opt out I would have to close my account. I went to close my account but the system locked me out and prompted me to call the service center. When calling into the service center it asks for your social security number or card number, the automated system did not recognize either. The numbers were entered via keypad not voice and I tested the keypad tones via a XXXX  test number after to make sure everything was working. There is no option to speak to a representative, the automated system just hangs up on you. I also tried calling their international line and had the same problem. These are the only two options for contact listed on their contact-us page
Product: Credit reporting or other personal consumer reports

XXXX XXXX Equifax and XXXX has been reporting inaccurate information which is violation of 15U.S. CODE 1681
Product: Prepaid card

I've used PayPal banking services for different financial app services. I link my regular banking account with PayPal. I haven't used PayPal since XXXX  and maybe even longer. I've stopped using my PayPal as suspicious emails and unknown merchant/vendors were on my account. I've reached out to PayPal regarding such issue but no response and or solution was given to me. Until now, I am still receiving fraudulent notices being made to my account. I've also received several notices via email and phone calls from PayPal that I have a debt out with them that I must pay otherwise it will affect my credit. I do not owe PayPal anything and would like my account closed permanently. It's so hard trying to get a hold of a rep and I am not able to log in my account as it states " no account found! ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXXXXXX XXXX XXXXXXXX XXXX XXXX reported to the 3 credit bureaus a false address - XXXX XXXX XXXX, XXXX XXXX Ca XXXX ( which doesn't exist ) and a suspicious credit card under my name and that affected my credit score for years.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS DISPUTED WERE NOT AUTHORIZED BY ME, THE ACCOUNTS ARE SHOWING CLOSED ACCOUNTS WHEN I WAS UNAWARE OF IT. I DID NOT GIVE ANY AUTHORIZATION FOR THOSE ACCOUNTS AND THEY ARE REPORTING NEGATIVELY IN MY ACCOUNT
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau ( CFPB ), I hope this email finds you well. I am writing to bring to your attention a pressing issue related to my credit history that requires immediate attention and resolution. 

Over the past two months, there has been a recurring pattern of credit inquiries made on my social security number. To my astonishment, the number of inquiries has reached an alarming level of over XXXX, and despite my persistent efforts, I have been unsuccessful in having them removed from my credit report. 

These excessive and unwarranted credit inquiries have raised serious concerns about the security of my personal information and the potential impact on my creditworthiness. It is evident that my credit profile has been subjected to unauthorized and repeated access without my consent or knowledge, which has resulted in a detrimental effect on my credit score. 

I have taken several steps to address this issue, including contacting the credit bureaus directly and submitting dispute requests to have the inquiries removed. However, each attempt has been met with frustration as the inquiries persist on my credit report, despite documentary evidence supporting my claims. 

I kindly request your intervention in this matter to rectify the situation promptly. I believe that the continuous credit inquiries and the subsequent failure to remove them are in violation of the Fair Credit Reporting Act ( FCRA ) and may also constitute identity theft or fraud. 

I have attached copies of the relevant documentation, including the credit report indicating the numerous inquiries and the correspondence with the credit bureaus. These documents provide a comprehensive overview of the issue and support my claim for urgent resolution. 

I would appreciate it if you could investigate this matter thoroughly, take appropriate action against the responsible parties, and ensure the removal of these unauthorized inquiries from my credit report. Moreover, I request that you provide me with regular updates regarding the progress of the investigation and any steps taken to address this issue. 

Thank you for your prompt attention to this matter. I trust in the CFPB 's commitment to consumer protection and fairness in the financial industry. Your assistance in resolving this credit inquiry issue would provide me with much-needed relief and restore my faith in the credit reporting system. 

Please let me know if there is any additional information or documentation required from my end. I look forward to a swift resolution to this matter
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 XXXX XXXX # XXXX Account name : XXXXXXXX XXXX XXXX  XXXX has violated my rights. I looked at my TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( XXXX ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generals, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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: Debt collection

As of XX/XX/year>, this collections debt was placed on my credit report. I haven't open any accounts with Debt Recovery Solutions. I have requested the original contract three ( 3 ) times from them since XX/XX/year>. I asked for it by email twice and by mail once. I have not received any information from them thus far.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Nelnet In XXXX regarding my past due account. I communicated with the representative that I was homeless and without a job. That I am currently looking for a job but without residence it is harder. Representative assured me that the request for deferment was submitted and my paperwork was due by XX/XX/2019. 

I submitted my information and it was accepted and on the Nlnet website was updated to a due amount of {$0.00}. 
However on XX/XX/2019, my credit score dropped as a report of past due on my account was reported. I waited for the information to update and submitted a dispute on XXXX XXXX. XX/XX/XXXX another late payment was added to my account dropping my score 40 more points. 


I submitted an email on the Nelnet website asking them to please update their files as their inaccuracies are limiting my ability to find residence. 

I have yet to receive a response.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  account XXXX amount XXXX I have no knowladge of this account. I have attached a FTC police report. This is fraud, Per the FCRA this needs to be removed immediately.
Product: Mortgage

On 2014 I was behind a few payments on my mortgage with wells Fargo, after calling and going into a repayment plan for 6 months in which I would pay about 2 1/2 times more of the payment to catch up. I was fully caught up, but for some reason I was being kept told that I was always behind in some kind of amount or I owed some kind of amount. I tried multiple times to resolve this with Wells Fargo, up to the point where I had to have the vice president look into my issue, in which he finally mentioned that my account was out into foreclosure for some reason when it shouldnt but he wouldnt send me an email to allow me to have it in writing. He said that he would have the foreclosure removed but within the next few months I refinanced with XXXX. I have yet to be able to find out where all the extra payments went and in the statements they provided, it even shows that they were being placed in some other form of account that were never actually used.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in the light of the recent CFPB lawsuit that highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims.
Product: Debt collection

since XXXX XXXX My feeling bad, i have XXXX XXXX so I have to go to hospital, the name of the hospital was XXXX XXXX XXXX  When I went there I showed the employees who got all my information in the computer my Med-Cal , after a few hours i was released. Until XX/XX/2023 I checked my credit report and saw a collection consultant where they asked for {$3200.00} ( XXXX XXXX XXXX ), I spoke to the collection company ( supervisor name is XXXX ) I explained to them and emailed my Med-Cal and all information need to proved on that time I had med-Cal already I disputed to three bureaus unfortunately almost 3 mounts waited my time I tried to contact all bureaus and Collection company but they didn't any responding this is not fair because of hospital mistake I lose my credit score
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to the inadequate customer service and unfair practices, which violate the Consumer Finacial 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 and financial loss and I seek appropriate redress for these violations.