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

I just got a copy of my credit report and some accounts on my credit report are incomplete, inaccurate which is a violation of XXXX XXXX ( XXXX ) I've filed complaint about the below consumers below and it shows that XXXX, XXXX, and TransUnion continues to ignore my complaints. I'm not liable for this debt with : XXXX. XXXX XXXX XXXX XXXX- {$2000.00} - Date Opened XX/XX/XXXX Not XXXX. XXXX Bank XXXX - Account XXXX - {$1100.00}, Date Opened XX/XX/XXXX Negative ( Old ) Past 7 years Not mine XXXX. XXXX XXXX Account XXXX {$22000.00} Date Opened XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX {$0.00} has showing as a negative on my credit report. 
I did not have a contract with the collection agencies XXXX, XXXX, or TransUnion. They did not provide me with a original contract as requested on numerous occasions. 
Correction to my credit report is needed ASAP! I DEMAND these accounts be removed from my credit report. I will have my attorney contact each credit agency for scamming me and causing me hardship due to their bad and risky behaviors. I've already tried to fix the problems with each credit bureau for improper use of my credit report. In accordance with the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy under 15 USC 1681. Neither credit reporting agency listed above have provided me with the investigators names as to who investigated my complaints previously. They have only caused me more hardship by ignoring my complaints and not answering my previous questions and providing evidence in their practices They have not provided me with a written letter where I signed giving neither credit bureau my written consent to place any items on my credit report Neither how they come up with accurately of items in which they have listed on my credit reports? I have been waiting for 5 months and have not received written response to my questions.DEMAND DELETION of ALL accounts listed with 14 days. TO include removal of names that are not mine that I have requested removal of for over 5 months. I do not want any items that I do not give consent to either credit reporting agency to be placed on my credit report!! I have made every effort to resolve inaccurate, inconsistent, and untimely reporting of items placed on my credit report. Due to the negligent behavior practices of the credit reporting agencies this has caused me hardship, stress, and burden to my family which has left me unable to provide housing for my family, unable to provide dependable transportation for work, unable to get medical care that my family is in need of, I am unable to get credit cards, credit and this has taken a tole on my families day-to-day living because of inaccurate items and names and addresses placed on my credit report.!!!! My name should list as XXXX XXXX, Only address should be XXXX Mt XXXX XXXXXXXX XXXX AL XXXX. I want ALL items removed as I have tried for over XXXX  months to cooperate and have the negative items removed from my credit report which have violated my rights to privacy and violation of the Fair Credit Reporting ACT USC 1681.
Product: Money transfer, virtual currency, or money service

I have initiated a money transfer on.zelle and realized that the recipient is NOT ENROLLED IN Zelle, so I cancelled the transaction but they charged me {$27.00} as stop payment fee. I called multiple times but they blame my bank for that however my bank says the money is taken by Zelle. According to zelle XXXX XXXX webpage I got this information CAN I CACEL PAYMENY? 
You can only cancel a payment if the person you sent money to hasnt yet enrolled with Zelle. To check whether the payment is still pending because the recipient hasnt yet enrolled, you can go to your activity page, choose the payment you want to cancel, and then select Cancel This Payment. 

If the person you sent money to has already enrolled with Zelle, the money is sent directly to their bank account and can not be canceled. This is why its important to only send money to people you trust, and always ensure youve used the correct email address or XXXX mobile number when sending money. 

If you sent money to the wrong person, we recommend contacting the recipient and requesting the money back. If you arent able to get your money back, please contact XXXX XXXX XXXX XXXX XXXX member services. 

Scheduled and recurring payments are features provided by XXXX XXXX XXXX XXXX XXXX in our online banking and mobile banking app and are not features of Zelle. Please contact member services with any questions concerning scheduling or recurring payments. 

You can cancel a payment that is scheduled in advance if the money has not already been deducted from your account.
Product: Credit reporting

my name is and my fathers is showing up in my credit also and his old address.
Product: Debt collection

The loan that was taken out in my name, was not taken out by me. It is a fraudulent crime. The social security number on the document, the collections company that XXXX XXXX sent my loan to sent me the document of incorrect information used to access the loan, is incorrect. How did XXXX XXXX not make sure the person taking out the loan is actually the person. The social security numbers did n't add up, should 've been a reg flag there. I would like for the loan to be removed from my credit report and for the company, XXXX XXXX, to pay me for the years of bad credit ruining my chances of investments.
Product: Credit card or prepaid card

My mother XXXX XXXX made me an authorized user on a Barclays Banks Account on XX/XX/XXXX. It clearly states on the account and on their website that I am an authorized user not a joint applicant and am not financially responsible for any debt incurred on the account. ( See attached screenshot of their website ). On XX/XX/XXXX I sent a certified letter to Barclays with the attached documentation and I have made numerous calls with no response. 

I never entered into a contract with Barclays or gave them any information to become a joint applicant on this account. In XXXX, when I was added as an authorized user, I was a college student with no income. 

My credit score was XXXX and dropped to XXXX because of their mistake. I had a credit card cancel my account and I currently can not get a loan for the new car that I need for my employment. Their mistake has caused me financial harm. I have a clean credit history an no other delinquencies on my account.
Product: Credit reporting or other personal consumer reports

My credit report is reporting in incorrect social and name spelling numbers. Items I know knowledge of I've been trying to create this matter for a few long XXXX XXXX XXXX XXXX
Product: Debt collection

I have been harassed by this company for a while concerning a debt that I am not liable for. I have not signed a contract or given them the permission to obtain my place of residence or my contact information in which they continue to frequently harass me. They called repeatedly at inconvenient times in which I have told them numerous times to stop.To my understating as a consumer they have broken the consumer laws found in 15 USC 1692.
Product: Credit reporting or other personal consumer reports

My identity was compromised across multiple financial institutions, including the IRS. I promptly contacted the credit bureaus to dispute and remove the fraudulent negative items that have impacted my credit report. However, despite my efforts, I have yet to see any corrective action from XXXX, TransUnion, or XXXX. 

The issues began in XX/XX/2023, when I attempted to file my extended tax return and was informed that it had already been submitted fraudulently. Shortly thereafter, I discovered unauthorized activity in one of my bank accounts, resulting in missing funds. The ongoing effort to clear my name has caused significant hardship. 

In addition, creditors with whom I have never conducted business have started appearing on my credit report, further damaging my financial standing. I am seeking the Consumer Financial Protection Bureaus ( CFPB ) assistance in ensuring that the credit bureaus remove these erroneous and derogatory entries from my credit report.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Transunion will investigate this account for me to ensure accuracy there is the account I am asking you to verify as accurate : XXXX XXXX XXXX Bank XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) Due to inadequate customer service and unfair practices, Which violate the Consumer Financial Protection Act ( CFPA. ) Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Debt collection

Comenity Bank has been contacting myself, parents, wife, uncle, niece and even my wife 's place of employment about paying my credit card debt. I make payments as much as I can as regularly as I can and have sent them messages through their online contact system at least twice to tell them not to call or contact anyone or any number except for my cell phone and they will stop for a month or so and then start up again. It's rude, harassing and embarrassing and has made me never want to have any credit relationship with Comenity again and I steer anyone looking for credit away from them. Please make them stop contacting others and just stick with my contact information. Thank you!
Product: Debt collection

I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible purpose. 

Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico 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 XXXX  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 XXXX 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. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This 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 XXXXdays 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 XXXX 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 XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Student loan

I have been working with XXXX XXXX, XXXX, and Chase Bank since XX/XX/XXXX, I had a check that was sent out to me in my name and was fraudulently cashed with clear evidence, no one is willing to help and XXXX was not assuring that the Student ( me ) is receiving the funds to pay off their student loan. XXXX had a check that was cashed into a XXXX XXXX  account which I DO NOT have and has known that. XXXX has refused to make sure that I get my funds to pay this off for over 8 months. This check was sent out in XXXX or XXXX XXXX  XXXX and I was NOT notified that this check was sent out so I had XXXX recollection of anything that had happened or that I even HAD a check sent out in my name. I was denied access of my school account prior to this check being sent out which is on fault of the school.
Product: Debt collection

I have disputed a collection on my credit file and they removed the collection from my file on XX/XX/XXXX and recently has been returned to collect from me for a medical reasons to which I have had my insurance that has covered everything for the last several years now and I have to be frank the company trying to recollect what you have already deleted from my file on XX/XX/XXXX is unnecessary and I have been told that my identity had been comprised and personal information about my identity had been used.
Product: Credit reporting or other personal consumer reports

I applied for a credit card for XXXX XXXX. I was turned down for the following reasons given by TransUnion : Time since most recent account opening is too short Length of time revolving accounts have been established Too few accounts currently paid as agreed Proportion of balances to credit limits on bank/ national revolving or other revolving accounts is too high Number of inquiries on credit report None of these apply to my account. I called XXXX. They said these reasons were based on the information TransUnion gave to them and I should call TransUnion. I called TransUnion. They said it was based on the interpretation by XXXX. I have good credit!!! None of this makes sense, I don't know why I was turned down and I completely stuck in the middle with no one to help. 

I also intend to send this complaint to the senate " Consumer Protection, Product Safety and Data Security '' committee.
Product: Credit reporting

Apparently my x-wife went to a XXXX in XXXX, Tennessee and had a procedure done using the old XXXX card that was only good when we were XXXX. I have XXXX papers proving that she was no longer insured after the XXXX. Now apparently XXXX XXXX shield has denied the claim but it 's showing that the charge was JOINT?? I had no knowledge of any of this and did not sign any paperwork for her or on her behalf. I only found out about the collection because I monitor my credit report from time to time. Now it has gone to collection through a company called XXXX XXXX and XXXX and is showing as a collection on my Credit Report. What do I need to do to get this off my credit and get her to stop using my card. XXXX XXXX had told me that they ca n't take the card from her and she has tried this before?? She is still using the name of XXXX XXXX and is not supposed to be using my last name anymore, the court ordered her through the XXXX to change her name back to XXXX XXXX XXXX and she apparently has not done this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I should not have XXXX or the 2 XXXX XXXX accounts on my report.
Product: Credit reporting or other personal consumer reports

I've submitted an Federal Trade Commission Report to all credit bureau 's about the fraudulent account stated. TransUnion is the only one that hasn't made the corrective changes to the fraudulent accounts. XXXX and XXXX has followed the laws properly pertaining to FCRA and removed all fraudulent accounts as I am a identity theft victim. I've given TransUnion the same information as with other credit reporting agencies and they failed to clear fraudulent accounts immediately followed by Federal Trade Commission lawful report signed. Therefore, at this time I will file a lawsuit directed at TransUnion for punitive and compensatory damages for the problems they causes me and my family. TransUnion has ignored the laws governing credit reporting and identity theft victims. Thank you.
Product: Debt collection

I contacted XXXX XXXX  XXXX in regards to establishing new service. I was advised by XXXX XXXX XXXX that I needed to pay them ( they gave me a list of means to do so ) before future service could be offered to me. 

I immediately paid XXXX XXXX XXXX. Come to find out - another company by the name of Transworld Systems is/has been reporting this account to the credit bureaus.
Product: Debt collection

Debt collection company LVNV FUNDING LLC CARE OF RESURGENT CAPITAL SERVICES Are trying to collect a debt that was the result of identity theft I contacted them multiple times starting when I first noticed debt XX/XX/2022 I have provided proof of residence drivers license police report identity theft report I contacted original holder XXXX XXXX
Product: Debt collection

I received a written notification from RSI Enterprises , Inc. dated XX/XX/XXXX for " DC Office of Tax and Revenue ( OTR ) -Past Due Account ''. The letter includes my personal information and Tax Account Number, as well as the following : Tax Type : Individual Tax Period End Date : XX/XX/XXXX Principal Amount Due : {$670.00} Interest Due : {$380.00} Penalties Due : {$290.00} Total Amount Due : {$1300.00} The letter only states that " this tax liability has been assigned to RSI Enterprises , Inc. by the District of Columbia, Office of Tax and Revenue, for collection. '' It then states that I owe the above total amount, plus additional interest, charges and late fees, with ZERO information as to what this past due fee pertains to. There is no information regarding my option to dispute this claim, and only instructs to submit payment to the debt collector agency. I have lived in North Carolina since XXXX, and have no idea where this is coming from. I have the right to know what " debt '' I'm paying before blindly sending a lot of money I don't have to a debt collector. Of further frustration, I guess I will have to collect " additional debt '' in the form of late fees for every day I have to wait to receive more information. I hate how people are put in this situation when I've genuinely never avoided paying taxes, and get hit with a surprise like this with no chance to understand or plead my case. Hoping someone can help. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

My Fed Loan reporting says " 90 days past due '' in XXXX. I am currently enrolled in college. I have been in deferment and the reporting is wrong. This killed my credit score and I want help with getting fixed. I have already spoke to Fed Loan and they are the ones that initiated this dispute. They are in an agreement that this reporting is not accurate. Please help in getting this fixed. I graduate in 2020, so my loans are deferred until after graduation. Thank you and I hope this gets fixed and resolved ASAP.
Product: Mortgage

PHH has responded to COMPLAINT XXXX with the attached document dated XX/XX/2022. 
PHH is requesting a {$300.00} payment for escrow shortage.
Product: Mortgage

My loan number with PHH Mortgage is XXXX.    My payment is considered late on the XXXX of each month.   I make payments through my XXXX  XXXX online banking. On XX/XX/2019 I remitted a payment of $XXXX (payment due is less but I always pay more).   The bank indicated gauranteed delivery on XX/XX/2019.   This afternoon I received a notice indicating that I was late with my XXXX payment..    I checked my account and, in fact, I was unable to ascertain if it had been sent or in the process of being forwarded.   In a panic I called the lender at XXXX.  I tried to ascertain through the automated system payment department as to the status of my XXXX  payment.   I tried to enter my information for approximately 15 minutes but was continuously told that I did not have an account with them even though I was viewing a letter from PHH with all my information including the account number I wast entering.    I finally gave up and called again hoping to get a human being and after some extensive navigating I was able to do so.  I explained the problem at which time the representative asked the address where I sent the payment ( and where I have been sending several PHH mortgage payments for more than ten years.   He said it was the wrong address and gave me another and then another neither of which matched where I always submit payments.. He recommended waiting another few days but I was afraid to do so in case the bank had not completed the process.   I said I was willing to pay again this day to cover my credit with them.  He recommended either paying by phone for $XXXX or by website at XXXX XXXX for immediate posting.   Either was satisfactory but he then told me I would still be charged the pmt fee plus the $XXXX late fee.  Considering that my long time accounts have been in good standing I asked if I could speak to the supervisor to ask for a waiver.   He put me on hold and at this moment I have been waiting 65 minutes without anyone coming on the line to notify me of the status relevant to my request to speak with the supervisor.   During this incredibly long wait, I have been trying to send another payment through the PHH website which again kept refusing my information.  Surprisingly despite the tremendous problem with identity fraud, PHH requires the customers social security number in order to proceed to remitting payment on a new account.   I was desperate enough to give my social security number but still was denied access just as they did when I called with the same loan number they themselves furnished in their recent letter.  PHH has shown a complete lack of respect and an unconscionable deficit of decency in their insulting customer service.   While still on the line waiting for what I now know will never occur,  I decided to refer this total lack of customer value to your organization in hopes that they will at least be contacted with some form of admonishment.  I will now hang up and call again in an effort to pay by phone in hopes of protecting my credit.   Thank you for your attention to this matter