23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Months ago I had an issue with Paypal where they sent money I received from a client to the wrong account, leaving me stranded and unable to pay for transportation to the bank where I was initially heading to correct a financial situation that the money I received from the client would help alleviate in addition to cash I had. When I called Paypal to correct the issue the agent I spoke with offered a {$25.00} promotional credit to fix the issue, but I learned shortly after getting off the phone none of the transportation options available to me would accept the credit. Fast forward to XX/XX/XXXX, this morning, I awoke and saw that my credit card was charged {$19.00} by XXXX via Paypal. The recurring payment agreement I made was for XXXX to charge my debit card. I called XXXX and asked why was my credit card charged when the recurring agreement I made was for the specified debit card specifically and the agent on the phone said if the card declines Paypal moves to the backup funding source. I remarked that I never designated nor authorized any " backup '' funding source and that if any individual or even my bank took it upon themselves to pay a merchant from whichever one of my accounts it decided upon themselves to pay when the only source I specifically authorized was a debit card that would be considered theft. Why does Paypal think the law doesn't apply to them as a mega corporation, particularly when there is a {$25.00} credit on the account? The agent then said this is something their manager could handle and issued a refund to my credit card which I thanked them for. I was then transferred to a manager whom asked me to verify a card on the account. I gave her the debit card in question and she remarked there was no record of the card on file and demanded I list another source. I said that's worrying that the primary card I use isn't showing on your system. After I gave the last four of another card, miraculously my debit card showed up and she claimed it was at the bottom of her screen and she couldn't see it. From that initial exchange I had a feeling I would be lied and condescended to for the remainder of XXXX XXXX. I asked specifically why did Paypal take it upon themselves to pay XXXX from a card I never authorized for a recurring payment when there is a {$25.00} credit sitting there. She then proceeded to tell me the promotional payment was used to pay XXXX on the XXXX. I told her that's demonstrably false and I was looking at my bank account with the full charge debited from my debit card. She essentially said that's not true implying I was liar and became combative in her tone and said that her decision was final. I asked was there anyone I could appeal to and she remarked I can try to see if her manager was available but she would make no promises, essentially implying she wouldn't report the issue higher.
Product: Debt collection

I checked my credit report on XXXX XXXX  a while ago and realized a fraudulent account was opened. I had a debt collection for {$700.00} with Capital One which was opened XX/XX/2018. This is very frustrating because the debt is not mine. I tried disputing it a couple times with XXXX  but it was denied saying the information was accurate without proof. This debt is not mine and I demand all bureaus get of it or send proof.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B obligates us to eliminate any erroneous accounts from my credit report. Could you review the documents? There are discrepancies in the listed accounts, with incorrect amounts and dates being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

REPORTING OF ADDRESSES THAT ARE NOT MINE


MY NAME IS XXXX XXXX XXXX 


MY ADDRESS IS 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
MY PHONE NUMBER IS XXXX XXXX XXXX

MY EMAIL ADDRESS IS

XXXX


MY SECOND HOME ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX


15 U.S. Code  1681i

THE INNACURATE REPORTING IS DAMAGING MY CREDIT, THEY NEED TO REMOVE ALL NUMBERS AND ADDRESSES THAT ARE NOT MINE
Product: Credit reporting, credit repair services, or other personal consumer reports

Literally Done Called And Sent Letters They Just Continue To Update When I Authorize Nobody To Run My Credit Or Look At It.
Product: Credit reporting or other personal consumer reports

They efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to resolve these issues countless times with compelling evidence. The bureaus state that they have verified these issues and they have never send the original contract needed to prove their investigation. According to 15 USC 1681 ( I ) ... they must prove Accuracy. No debt collector can report to the bureau as the original creditor... XXXX XXXX any such entity that are not the original creditor by law can report my financial issues.. because their not the creditor .. XXXX XXXX XXXX has been paid..I have the XXXX because I had XXXX XXXX the debt was paid. And any and all Inquiries must be removed.. 15 USC 1681..I have the right to privacy ... This was a Consumer Transaction.
Product: Credit reporting or other personal consumer reports

Discover said " Customers who are experiencing financial difficulty caused by the spread of the COVID-19 [ virus ] may receive assistance that can include support related to payment timing, fees and late payments, '' Discover tells XXXX via email. Relief may include what the issuer calls " skip-a-pay payments, '' which are the same as deferred payments ; these allow qualified cardholders to miss payments for a time without negatively impacting their credit. '' I had a hardship on my account due to COVID. I no longer owe Discover any money, yet I am still being penalized.
Product: Credit reporting or other personal consumer reports

I did not authorized for my credit to be ran through these companies. Please remove these hard remarks from my credit report.
Product: Money transfer, virtual currency, or money service

Used XXXX to transfer funds from Wells Fargo bank account to another Wells Fargo account to pay rent on XX/XX/2019 for {$500.00}. The person I was transferring funds to did not receive funds. Contacted Wells Fargo and filed complaint. They informed me that they could not help me and closed complaint because XXXX is not affiliated with them. They do advertise and encourage it on their website to pay bills with. Disappointed that they would not assist in getting funds back.
Product: Debt collection

Westlake Portfolio Management claims that I owe them for a vehicle that I never purchased. According to them they are a debt collector and will not send me any documentation that shows a legal contract that I signed for a car lease. They have been harassing me for almost 2 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an auto loan with XXXX XXXX XXXX  opened on XX/XX/XXXX, the monthly payment was due on XXXX of each month and I never missed a single payment. I had a perfect payment history until I had a car accident and my vehicle resulted a total loss. 

After the car accident my next monthly payment was due on XX/XX/XXXX. By XX/XX/XXXX, XXXX XXXX XXXX  had received 3 payments in my account : 1 ) On XX/XX/XXXX, a payment for {$2300.00} from the warranty contract refund 2 ) On XX/XX/XXXX, a payment for {$25000.00} from my car insurance. 
3 ) On XX/XX/XXXX, a payment for {$6500.00} from the Gap insurance. 

After the clearance of those payments, the account loan balance went down to {$1.00}. But I was informed that my account had a remaining balance of {$310.00} due to the loan balance {$1.00} + {$20.00} late payment fee + {$290.00} interest for the month of XXXX, so the balance went up to {$310.00}. I never agreed for the illegal interest charge and illegal late fee charge since 3 payments were made on the account on the month of XXXX, but anyways I paid it on XX/XX/XXXX, after that payment my account was {$0.00}. 

Now I noticed in my credit report that XXXX XXXX XXXX  is reporting a 30 days late payment and a payment for {$34000.00}, both together on the month of XX/XX/XXXX, I contacted XXXX XXXX XXXX  to correct the 30 days late payments because it does not make sense, they are reporting a {$34000.00} payment and a 30 days late payment in the same month. 

XXXX XXXX XXXX  refuse to remove the 30 days late payment because they claim that I was 30 days late since I made a payment on XX/XX/XXXX, for {$310.00} and the monthly payment was due on XX/XX/XXXX, that is wrong since the account received 3 payment on XX/XX/XXXX, payment for Car Insurance, Gap insurance and warranty refund but the bank claims that those are not payments, instead payments they label as principal reductions. I asked for the difference and base on the representative explanation : the difference is that the money comes from a third-party company and not from my pocket so thats why I they refuse to remove the 30 days late payment. That explanation is just absurd, what if the payments come from my child bank account or from a trust account? It just does not make any sense. 
Just the warranty refund, since is a refund it must be applied to the account as credit, any credit applied to any account brings a minus balance and no payment is required. 
The insurance payment was issued from my own car insurance, premium that was paid every month from my pocket, my insurance paid it on my behalf. 
And if that is not enough to prove XXXX XXXX XXXX is wrong, I would like to know from them what rule or law define how an Auto insurance payment, Gap insurance payment and warranty must to be applied and the legal definition of principal reductions because I have the impression they are breaking the law.
Product: Mortgage

On the advice of an Ocwen rep, I made a XXXX payment on my mortgage.  They told me that there was no scheduled payment in their system though I swore I had made one.  A couple days later, I checked my bank account and found that there were XXXX ACH's pending, so I put a stop payment on XXXX of them.  The bank charged me $32 to do this.  I have sent the proof to Ocwen and they have gone back and forth with me.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, XX/XX/year>, XXXX We sent registered mail to XXXX XXXX to opt out each request and demand was ignored. We are filing this CFPB complaint Per the FCRA as a federally protected consumer i am now Opting out of any and all authorization i the consumer may have given you written, unwritten, verbal and non-verbal per 15 USC 6802 and 16 CFR 313.7 ( f ).
Product: Credit card or prepaid card

Noticed suspicious activity ( {$9800.00}, excluding international fees, late fees and interest charged by Citi ) on XX/XX/21. The suspicious activity was mostly large fees in XXXX. My wife and I were shocked that fees from so far away from our home were even allowed to be made in the first place. Our kids have cards with other major banks who would never allow such a circumstance without prior notification by them. Period. 

Received notice by mail from Citi XX/XX/21 about the suspicious activity. 

On XX/XX/21, attempted to call Citi again after noticing the issues. Citi sent a letter confirming we no longer dispute the charges, which is unequivocally incorrect. Reopened dispute. 

Received suspicious activity notice XX/XX/21 from Citi. 

Unbeknownst to my family, Citi and/or the fraudulent party opened a Checking Account in our name and {$2500.00} debited from our principal ( only ) checking account. Somehow, another phone number ( not in our area code ) was somehow added to out account. 

Made contact with Citi Identity Theft Department XX/XX/21. Theft dept stated they would investigate. 
Notified XXXX XX/XX/21. 

Completed Affidavit of Fraud, signed, notarized XX/XX/21, specifically identifying the fees not charged by myself. 

Numerous calls and other communications with Citi through this time, in which Citi did not offer solutions, did not treat us with respect while working through this terribly stressful situation ( including apparently muting me on the phone while trying to find a solution ). 

Sent Addendum email to Citi on XX/XX/21 attempting to seek a resolution. 

We have gone back and forth more than the above. Citi has told us that these charges ( and accrued fees, interest, etc. that is not our responsibility ) will be settled in a couple billing cycles. We still have not reached a resolution. 

This has been one of the most troubling and interrupting experiences we have ever had. We feel powerless and that our credit card company is not listening to us, does not have our interests in mind, and is in fact disregarding entirely the impact that has had to our family. They are blocking most or all of our card purchases, which has been just another stressful experience. 

There are more aggrievances than can be written here that we have carefully documented and communicated with Citi. They are not listening, do not care to, and we need help.
Product: Credit reporting or other personal consumer reports

Both Experian as well as XXXX I created accounts with to monitor my credit. Over the years random companies will pop up with random charges in any mounts of a couple dollars ( XXXX $ ) all the way to thousands of dollars ( ex. XXXX $ ). I continue to dispute and report in the Most timely manner as it is when posted. The dates and ranges of these reported collections and inaccuracies are not valid at all and even with proof both Experian and XXXX make NO changes or update to my dispute on removing the fraud and non valid claims to my credit I call the companies and they request I provide my social security number and only being able to conduct a phone call with these debt collectors with providing my of my personal and supposed to be private information is the only way I am advised I can get any help. It always is a constant feeling of not actually having a say or control of the truth and accuracy of my own report, like Im stuck in a box. I have to give exactly the information others seem to be able to access and have to add inaccurate claims and over the phone with strangers that are trying to only collect the high debts that are not mine at all! I want to sue, I want changes and requests HEARD.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loans are with XXXX, which I thought was a federal loan servicer for starters and would automatically fall into the government mandate to postpone repayment. I was granted the first government covid relief repayment postponement from XXXX to XX/XX/XXXX without going into my account and applying for a forbearance. The US government then issue another mandate before I was due to start again in XX/XX/XXXX, which I thought put me in the clear until XX/XX/XXXX. 

In XX/XX/XXXX, XXXX restarted my payments without any notification through physical or online mail. Unaware that my payments were now restarted, due to the fact that I never got a physical mail or any emails. I also assumed that my payments fell the new government mandate, coupled with the fact that I didn't get any emails or physical mail stating otherwise. XXXX claims that they sent me an inbox message in my XXXX account. One, I never elected to elected paperless mail only. All through the years, I've always gotten physical mail or a forward mail from XXXX to my listed email, but this time nothing. It is my suspicion that XXXX was intentionally targeting loan holders in order to get them into default on their loans. 

Even though they admit that they were at fault for not sending a physical mail or email notifying me that my payments were due, they still refused to retract the XXXX, 90 day late payments that dropped my credit score from XXXX to XXXX. 

In the last 10 years, I've worked very hard to build my credit, never a late payment. If I was aware of the payments due I could have easily manually put them on forbearance, but I was not notified at all through any means that I provided. I believe that because they could not show proof that they notified me through reasonable channels that these late fees reported on my credit should be removed.
Product: Credit reporting or other personal consumer reports

This matter arises after reviewing my consumer credit report. I noticed that there were incorrect accounts and even some fraudulent information that's been reported on my Consumer credit report from XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX. XXXX, XXXX and Equifax never gave me my rights to opt out and they never asked for my permission to furnish this information. 15 USC 1681 A2 XXXX, XXXX and Equifax falsely reported information that resulted in defamation of my character. Furthermore, they have assumed this vital role and have infringed upon my rights to privacy by selling my information to third party debt collectors. In pursuant to 15 usc 1681 ( 4 ) My privacy has been invaded and damage has been done. The damages that arose were to my financial, mental health, emotional and it also stopped me from traveling to and from work. Due to identity theft this should be removed. 15 USC 1681 Congressional findings the first the banking system is dependent upon fair and accurate credit reporting. I hereby put your organization on notice and would like to inform you that I never gave consent to this reporting this report being furnished by you on my behalf. 15 USC 6802 Gramm-Leach-Bliley Act, XXXX, XXXX and Equifax may not disclose as a financial institution non-public personal information to to a non-affiliated third party unless such financial institution clearly and conspicuously disclose to the consumer in writing or an electronic or an electronic form or other form permitted by regulations prescribed under Section 6804 of this title that such information may be disclosed to such third party right to opt out. your organization neither exercises responsibility with fairness and impart impartiality nor protects my right to privacy.15 U.S. Code 1681c1 - Identity theft prevention ; fraud alerts and XXXX XXXX alerts. 15 U.S. Code 1681c2 - Block of information resulting from identity theft. DELETE FRAUDULENT INQUIRES BY XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. PLEASE DELETE FALSE AND DEROGATORY INFORMATION FROM MY CONSUMER CREDIT FILE NOW, THANK YOU!
Product: Credit reporting or other personal consumer reports

( XXXX XXXX ), ( XXXX, ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, The Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX  XXXX on XX/XX/XXXX Account number ( XXXX ) and a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX Account number ( XXXX ) These accounts have resulted in fraudulent collections appearing on my consumer XXXX credit report. Both of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of my FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that both of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.
Product: Debt collection

I paid this account with the agreement it would be removed from my XXXX  account
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Source XXXX XXXX # XXXX, has violated my rights. 

15 USC 1681 Section 602 states, I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states, a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B states, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Mortgage

I have called numerous times to HAF and my mortgage company. Absolutely no resolution. HAF says the funds for XXXX have been sent XX/XX/2022 and XXXXAmeris bank claims no funds have been received as of XX/XX/2022. 
Being denied to speak to supervisors concerning my concerns from both parties. 
Please can you help in this
Product: Debt collection

I agreed to a settlement with Sortis Financial, on a condominium I purchased in XXXX. I had secured a {$61000.00} HELOC, during the purchase of the condo, but because I lost my job in XXXX, I could not pay the monthly payment. I stopped paying and in XXXX I agreed with Sortis that the loan will be reduced to {$18000.00} and I would make monthly automatic withdrawals payments from my bank account. After about 5 years Sortis stopped collecting the monthly payment. As a result I thought that the agreement was resolved. Unfortunately, I did not know that they stopped collecting because they arrange payments in 48 month increments. 
Accordingly, I put my property on the market to find that the HELOC was still a debt on the property. I contacted Sortis and found out that of the {$18000.00} agreement I had paid {$17000.00}, 97 % of the agreed amount. Therefore, I asked Sortis if I could pay off the balance on the agreement to resolve this debt. I contacted Sortis XX/XX/XXXX asked for a resolution. Sortis said they needed to contact their client and would get back me and let me know what their client said about the offer to resolve the debt. On XXXX XXXX, XXXX, I had not heard back from Sortis, so I called them myself. They did not have an answer, but they said they would follow up the next, which they did and denied my request to pay the balance from what I previously paid and the agreed amount. I then made an offer to pay {$3000.00} to resolve the matter. One week later, XXXX XXXX, XXXX, I still had not heard from Sortis, so I called them again and they still had no answer to my offer to pay extra to resolve the matter. But Sortis said they would call me on XXXX XXXX, XXXX, today is XXXX XXXX, XXXX and I still have not heard from them. 
I understand this situation was caused by a misunderstanding or miscommunication but I'm trying with good faith to resolve the matter and they are not acting in good faith.