23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Despite XXXX separate written inquiries to the creditor ( National Collegiate Trust ) and to debt collectors it has apparently retained, the creditor refuses to explain charges on an itemized list of charges and credits that bear no relation to the principal or interest. Each time I request this information, the creditor retains a new debt collector rather than provide the requested information. As the charges in question ( see, e.g., " Forward Fee/Gross '' charges on Transaction History in the attachments ) bear no relationship and as the creditor can not explain the charges, I believe that the creditor is seeking payments to which it is not entitled. The improper charges caused me to fall behind in payments, adversely affecting my credit. 

Additionally, it appears that National Collegiate Trust ( NCT ) is seeking double recovery as they have concurrently engaged the services of XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX, XXXX. for the same accounts. Despite my written requests to NCT, XXXX, and XXXX XXXX, I have received no confirmation that only one agent is working on behalf of NCT to recover these funds.
Product: Checking or savings account

Chase was already sued for re-ordering transactions. I've mentioned it before and when I have, they reverse the charges ( generally ). I also have alerts for low balance and overdrafts on the account. 

On the morning of XXXX, I received an alert that I had an overdraft. The night before, there were no pending transactions of any kind to let me know the account would be overdrawn. I did not get an alert that my balance was low or that a transaction would process the night before. I checked it that evening and after midnight. 

The next morning, I saw an overdraft that appeared to have been done ( as all other overdrafts, with the largest item coming out, then the smaller one coming out after that, to cause 2 overdrafts instead of one. For one person, it may not be a big deal but I am certain that they make billions doing this, and I know they have been sued and settled for doing the same thing in the past, and they still continue to do it. The amounts were {$170.00} and {$15.00}. They have a policy that an overdraft of less than {$50.00} I believe will not charge a fee, but I believe they took out the {$170.00} item first so that the {$15.00} item would result in an overdraft. 

They will of course deny this, and they don't let you take screenshots of pending transactions so you can't ever prove it unless you use another device to take a photo or do an online screenshot, which is what I have done in the past when I called them out for re-ordering. They claim that they do it because the larger items are probably more important, but that would only make sense if the smaller items didn't also get paid, too. They have pretty much always returned the funds, because this is a known practice and they apparently did not make any changes after the last settlement. 

More needs to be done to protect people from these practices. I had the money to cover it, thankfully, but they keep taking {$34.00} from all of their customers for doing this and end up making a lot of money as a result. They should be required to tell you if an item is processing. There's no way that they don't see that from their side before it shows up the following morning as processed. They also should have to process payments in the order that they come in.
Product: Debt collection

This is a XXXX XXXX  account they have a revolving line to credit I made all payments but it says they charged off account for XXXX $ and I told them its literally just XXXX $ XXXX wont fight over that let me pay for the deletion as its damaging my credit but they only take checks in mail I sent XXXX and they never got it so I just want a fast solution to remove it as it shows XXXX past due and in collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 Section 602 A states I have the right to privacy.

15 U.S.C. 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XX/XX/XXXX The following inquiry was not and should not be reporting. 

XXXX XXXX XX/XX/XXXX The following inquiry was not and should not be reporting. 

XXXX XXXXXX/XX/XXXX The following inquiry was not and should not be reporting. 

XXXX XXXX XXXXXX/XX/XXXX The following inquiry was not and should not be reporting. 


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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I overpaid My XXXX payment of {$1500.00}. I checked to see if the payment showed it was in progress and it didnt show it was paid by auto pay so I paid it again. I called the next morning to have the second payment canceled and was told I would have to wait XX/XX/10 business days before they could send it back. That was XX/XX/XXXX th. I called again aprox 7 days later again was told it would be XX/XX/10 days. Again I called on the XXXX of XXXX and at first was told it would be another XX/XX/10 days. I asked why when I was told that on the XXXX of XXXX and again when I called back. She then told me it was sent out on the XXXX. I asked to speak to a supervisor, after waiting for almost XXXX minutes she came on the line and said no one had asked for a refund. So in the meantime they took out XXXX more payments so now the overpayment has a balance of XXXX.?? Nothing should have been due until XX/XX/XXXX. Again I asked for a supervisor and asked why they are deducting payments that isnt due and when was I getting my overpayment back. You probably guessed it. Another XX/XX/10 days.
Product: Money transfer, virtual currency, or money service

Paypal is charging hidden fees for all international money transfers by using exchange rates that are not accurate. I have sent numerous international payments recently and because of translation issues with my contacts I did not discover what they were doing until recently. Most of my payments are only shown in USD so I'm not sure the amounts in local currency they are actually paying out. I recently had to send a recipient an additional {$250.00} because he would not ship my goods as he had not been paid in full due to Paypal skimming off the top. Below is a recent example, their fees end up being around 8 % which is not what they advertise. 

Payment sent XX/XX/20 Details Sent to XXX XXXX XXXX {$500.00} Fee XXXX XXXX {$19.00} Total XXXX XXXX {$510.00} So this looks pretty straightforward but the problem is that XXXX XXXX is only {$500.00} if you use Paypal 's false exchange rate. Using the actual exchange rate my recipient only gets about {$480.00} and they're angry they haven't gotten a full payment. 

Paypal own receipt shows my recipient will receive {$500.00} but they do not. Is this legal? 

I've now discovered that they have skimmed hundreds of dollars from my transactions recently. How can this be legal?? 

I also searched everywhere for a location on their website that shows the exchange rates they use. Their help section claims you can go to a section of your account and show it but it doesn't actually exist. I was only given the link after contacting their help department so the false exchange rates they're using aren't even publicly available.
Product: Credit card or prepaid card

I had closed the Wells Fargo account and confirmed with them that there was not a balance. I found out two months later that they reported me late. I have never been late with them, nor with anyone else for that matter so this reporting is unjust. They admitted that it was their fault and after trying to resolve it with them again after-the-fact, it still goes unchanged on my credit report.
Product: Money transfer, virtual currency, or money service

On  XXXX / XXXX /   2017  I initiated a transfer of {$500.00} from  my Wells Fargo ac count using the SurePay system to my cousin who uses   XXXX    XXXX   XXXX . It generated a reference number #  XXXX  and my cousin also got a text message on her phone indicating that the funds were received. However, when she checked her account, the funds were not there. She immediately called  XXXX   XXXX   XXXX  to inquire, but they told her I 'd have to submit a claim through my bank because they saw no record of the funds.     Since then, I have submitted two claims wit h Wells Fargo (  Claim #  XXXX  &  XXXX   ).   Wells Fargo has closed both claims, stating that the funds were posted to an account but can not rele ase any additional information. My cousin has tried to inquire with   XXXX    XXXX   XXXX  but they refuse to provide any in  formation either.
Wells Fargo h  as told me that it 's possible  I may have  entered the incorrect phone number when I initiated the transfer. However, she got a text message indicating the transfer took place.     After opening up a claim by phone, which got rejected, I decided to send a complaint to  Wells Fargo through my online banking but this was the response I got : " ... The claim is closed beca use the transfer was sent as requested. '' The response we 're getting from both banks suggests I 'll have to absorb a loss of {$500.00} and no one can help me. I 'm very disappointed in my bank for not even attempting to help me recoup the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing late payment on XXXX XXXX XXXX account. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative.
Product: Credit reporting or other personal consumer reports

Pursuant 692-1692p 807. False or misleading representations FCRA violations consist of reports to the credit agencies, XXXX, XXXX and XXXX regarding my SELF/South State Bank account . In XXXX, this account was closed and the balance reached was {$0.00}. Self/South State Bank allocated my secured loan to the balance of this credit card account. I no longer owe anything to this bank, they have been reporting inaccurate information to the credit agencies stating the account is STILL OPEN, payments are late and inaccurate balance information.
Product: Debt collection

I request that you CEASE and DESIST in your efforts to collect on the above referenced account. It is my personal policy not to deal with collection agencies and I will only deal with the original creditor of this account. 

You are hereby instructed to cease collection efforts immediately or face legal sanctions under applicable federal and state law. Remove this account from my credit report. 

There are several FDCPA violations that your company has committed. Each violations carries a {$1000.00} fine. I have found a total of XXXX FDCPA violations ( {$8000.00} ). 

GIVE THIS LETTER THE IMMEDIATE ATTENTION IT DESERVES.
Product: Credit reporting or other personal consumer reports

I noticed after reviewing my profile there were some inquiries that are not mine.
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to see inaccurate accounts listed on my credit report, and I honestly have no idea how they got there. I check my credit regularly, and everything was fine until today when these errors suddenly appeared. I even tried refreshing my browser, hoping it was just a technical glitch, but nothing changed. The accounts were still there, and I am deeply concerned. I need assurance that the documents Ive sent will be reviewed carefully so I never have to face this stress again.
Product: Debt collection

This is a scam whereby they are asking to ACH debit my checking account for a credit card debt while impersonating themselves as American Express. The phone number that they use is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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

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. XXXX : XXXX, XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX 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, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, 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, has violated my rights. 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.
Product: Debt collection

I dont know what happened I know I was in XXXX in Georgia in the Ga XXXX XXXX XXXX XXXX XX/XX/XXXX to XX/XX/XXXX. This debt is not me I did t open any account whatsoever. This is identity theft and fraud and if this company and the creditors dont help me resolve this issue in going to sue
Product: Debt collection

I have filed a complaint with the Identity Theft.gov of FTC. XXXX XXXX XXXX XXXX XXXX has sent me three invoices ( BILLS ) demanding {$1200.00}. This was for a XXXX XXXX. They did not tell me what the invoice was for, or even what company was selling it. I received a call from a man, who would not identify himself or the company he was working with. I tried to get all the above information and gruffly said something and immediately hung up the phone. Next, I received a call from Radius Global Solutions, LLC, a collection agency, telling me that I owed XXXX XXXX XXXX money. I refused and asked for proof of this. I received in the mail a completed online " CONSUMER RENTAL- PURCHASE AGREEMENT " form, signed by XXXX XXXX XXXX XXXX President of XXXX XXXX XXXX XXXX XXXX XXXX This was dated XX/XX/year>. This form does not tell who sold the scooter and I have not received a scooter of any kind. I did not order one and do not need a scooter or any other apparatus for personal transportation. On the purchase agreement, there are several printed signature names. This is NOT my printing and, the signature area blocks should be a cursive signed signature. Again, somebody, other than me, filled this in with printed letters. I have just gone through the online signing of two different Sell/Buy purchase agreements. Both agreements required a cursive written signature to be done by an online service company, with a cursive signature, who is signing the agreement/contract. What I received in the mail, looks like a blank form, that was filled out by a physical person, not by an online company program. I have never heard of XXXX XXXX XXXX, XXXX, or Radius Global Solutions, LLC until now. I did contact The XXXX XXXX XXXX about XXXX XXXX XXXX. Their report was of many false claims for money from people who had paid off their purchase agreements or did not owe the amounts XXXX XXXX XXXX was demanding. There are several CLASS ACTION SUITS pending against XXXX XXXX XXXX at this time. XXXX XXXX XXXX XXXX XXXX has filed complaints to XXXX, XXXX, AND XXXX credit bureaus for nonpayment of account. I was not informed of this action, so I will be sending a rebuttal action to the credit bureaus. I and others, by The XXXX XXXX XXXX report, believe this is a " SCAM " and also a case of " IDENTITY Theft "!
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been written off and I am being garnished toll this trying time we have here with covid. XXXX, XXXX, XXXX, and XXXX have been garnishing my pay and I have never done business with this law office. Not only i can not afford a garnish, how is this legal to take frome? Continuously ripping me off!!!
Product: Mortgage

Mortgage broker XXXX XXXX neglected to inform loan applicants I a timely manner about closing cost and process. Loan broker informed loan recipients the night before closing about the how to pay closing cost the night before closing. The accepted form of payment required a wire transfer that required a in person signature at the loan receipents bank in XXXX XXXX XXXX, XXXX. Funds were verified XXXX weeks prior to closing therefore loan broker understood credit union not in XXXX where closing was scheduled to happen. Due to loan brokers incompentence and negligence, we were not able to close or receive any keys to the house. We signed the agreements but never received the paperwork or received any disclosures. We were told we have to have the money wired from that bank funds were verified in and we anticipated moving into our home Friday. Therefore all our belongings and cars and family of XXXX adults, XXXX XXXX and XXXX small kids ages XXXX, and XXXX were left stranded with no regard for our welfare. The loan broker never called back to give other options such as transferring funds to another bank, verifying funds there and then wiring the funds that morning. He expected that for us to travel back to XXXX to sign a document that could 've been completed before our travel to XXXX if the broker would have taken the adequate amount of time to inform his clients properly to be prepared for closing and to have a smooth transition into our new home. Now we have been stranded for over XXXX days and three nights, paying for lodging, food, gas and travel due to the negligence of this broker. This practice of business should not go unrecognized and I 'm sure he has done this to other consumers before. I am seeking monetary compensation for expenses incurred and pain/suffering. My kids have been crying and worried because we are stranded and homeless. This is business practice that is unacceptable and should be sanctioned. I believe he does not deserve commission because he did not complete his services and failed to notify us about closing process in a timely fashion because all of this could have been avoided. I emailed this broker and allies numerous of times in regards of this matter and he finally contacts me the night before about the closing process and the day of about the closing cost.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the following accounts, they don't belong to me..I am extremely upset about this situation because I find it absolutely ridiculous that this information is being reported without contacting me first..Please delete the accounts asap XXXX  XXXX XXXX, and XXXX XXXX XXXX XXXX