23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was contacted on XX/XX/XXXX on the phone by National Credit Systems , Inc. telling me that I have a debt that they are trying to collect. During subsequent calls I repeatedly asked the representative from the company to mail me information and a return envelope so I could send a check to them but she never sent me anything and told me the only way to pay would be by giving her my credit card information over the phone or my bank information. This is after repeatedly verifying my identity over the phone by giving the caller my address which she confirmed she had. XX/XX/XXXX I received a letter, again with no information about how to mail payment, saying the debt would be reported to the credit bureaus. I was never informed I could dispute the debt and the untimely communication with National Credit Systems inc. gave me no choice but to give my credit card information over the phone because of threats from the representative who again refused to mail me anything about this debt. I was never trying to get out of paying the debt but I never had any physical proof that the debt was truly owed or that the people contacting me were not scammers.
Product: Credit reporting, credit repair services, or other personal consumer reports

These late payments are not accurate.
Product: Checking or savings account

hello, I have left fall river MA during the first week of XX/XX/XXXX and moved to ohio. 
before moving, I went to the citizens bank on XXXX XXXX, fall river ma, and requested for all my accounts to be closed. surprisingly, I got the letter stating accnt : XXXX est on XX/XX/XXXX balance due {$2100.00} for the services provided, last payment of {$3.00} was made on XX/XX/XXXX, and all this time till XX/XX/XXXX I was not informed, i got to know this by forwarded mail in Ohio. 
this is the case of some clerical mistake by banking clerk or bank fraud fines and interest by the bank or fraud by some third party after long wait on phone with customer service " this is all interest and fines..,.,.,. ", does not want to provide the monthly statements on my email id, dating back to XX/XX/XXXX .which they have on records emailid : XXXX : the should be penalized for such trade practices. 
please help
Product: Credit reporting or other personal consumer reports

Ensuring punctuality in my payments is a priority. However, what perplexes me is the occasional reporting of late payments by this company, contrary to my records. As per USC 1666b, rectifying billing errors promptly and reflecting payments accurately is mandatory.
Product: Credit reporting

Credit Report shows a XXXX XXXX XXXX started in 06. Balance of XXXX. Then sent toXXXX XXXX. Now XXXX. I never owned a XXXX XXXX account.
Product: Money transfer, virtual currency, or money service

The XXXX recipient called from a Wells Fargo number, the one that was on the back of my debit card. They were reporting fraudulent transactions on my account. The recipient also also stated for the transfers to be refunded there needed to be a transfer from my account which would be refunded immediately, upon checking the morning after the refund was not in my account and that is when I realized that it was fraud. I filed a fraud claim with Wells Fargo. They closed the claim stating it wasnt on their end that the fraudulent transaction occurred, they stated a request has been sent to the receiving institution and there was nothing else that could be done on their end and closed the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

So as soon as I XXXX  college, I was put into a loan forgiveness program with XXXX XXXX XXXX XXXX. I had to pay them a fee to get in and {$35.00} a month. Apparently they were filing my income driven repair for XXXX  every year. I had no idea they were filing through XXXX. The last 3 years they filed, my payment plan was {$0.00}, which is why I didnt have any issues till now. The last year they filed, my payment went from XXXX to {$39.00}. Now I have been paying them {$35.00} a month and they did not notify me that I also had to pay XXXX  {$39.00}. I didnt even have access to my XXXX account till my credit score dropped {$200.00} points and I XXXX XXXX and had to recover my account. If I knew they were just filing with XXXX, I would have done it my self and used the money I was paying them to pay my student loans. I called XXXX and they told me that I was never in a forgiveness program and that I was being scammed. An employee helped me get out of the scam and had me report the third party company. I was never trying to get out of paying my student loans. I was just a woman that got taken advantage of right after college. Now, during this pandemic, I have lost my job and forced to move out of my home in XXXX. I have made a payment of {$39.00} to show good faith and that I will continue making any payments necessary to get this corrected. I will attach all the payments I have been making that third party company.
Product: Debt collection

Some time in XX/XX/XXXX, or somewhere close to that year, these two men a XXXX one and a XXXX one came to me and told me that they were going to put a lien on my house after they asked me if I had a house. I told them that I was not paying the debt because I had no income or job. They had me to sign something to which he told me that they would place a lien on my house if I did not pay the debt when I got a job. In XX/XX/XXXX, I got a job and was working on paying some people that I had borrowed money from and was going to add the law suit in as soon as I could. However, without contacting me that had a Sheriff to serve a garnishment at my job to embarrass me. They set an amount without notifying me of {$310.00} or something like that. I went to the court to file a slow payment because of these people continued viciousness I don't know what to do. Since I filed to pay {$20.00} a month I have done just that and on Friday, XX/XX/XXXX, some lady called and asked to speak with me and started asking for my social security number and date of birth and address and I would not give it to her. I asked her what did she want with me and she needed to verify the call or she would have to disconnect the call. We did this back and forth twice and I told her I was not giving her any info I didn't know her or why she was calling me. I then disconnected the call. She stated she was representing XXXX and XXXX and phoned me from XXXX. I am paying the garnishment to Capital One via the Collection Agency and they should not be contacting me.
Product: Checking or savings account

I made a deposit by accident into the wrong capital account from my XXXX XXXX and asked capital to return the funds and they refused stating they couldn't make a claim or return the fund. 

I spoke with 4 different with 4 different answers as to why they could not return my money and then they refused to close my account when asked to do so, one of the worse banking experiences I've ever had over {$12.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I sent a payment to one XXXX XXXX via PayPal in the amount of {$150.00} for payment for her to reserve a rental car via XXXX XXXX as she claimed she was a supervisor employed with the company and could get people XXXX percent off their rentals and hotel stays. Initially XXXX requested I pay the XXXX percent of what the total cost of the rental car for the week via XXXX XXXX. However upon attempting to pay via XXXX XXXX, immediately a notification popped up stating that the XXXX XXXX tag had been reported previously for possible scam/fraud. I then screenshotted the notification and sent it to her. She alleged that shes been had that XXXX XXXX acct and was just using it for the first time. I did not feel comfortable with the notification so I declined and requested her PayPal. She provided with her PayPal address and I sent {$150.00} via goods and service. She replied stating stating that she was unable to obtain the funds and that it required a shipping label In which booking a reservation for a rental car did not require a shipping label. She then refunded the money and I had to resend it friends and family. She sent a screenshot of the reservation via XXXX. I contacted XXXX to verify and there indeed was a reservation. The vehicle was supposed to be picked up on XX/XX/year> @ XXXX  at XXXX in XXXX. The morning of XX/XX/year> arrived and I was actually trying to confirm the reservation and see if I could change the pickup location which I could not being as though the card used to book was not mine. I contacted XXXX to be told the reservation was indeed canceled!!!!!!
Product: Bank account or service

To whom it may concern : Years ago, I was a customer at Wachovia Bank, where I received free checking because I had a required balance in the account. Wells Fargo bought over Wachovia, and I was told I was grandfathered in for free checking. Recently they charged me for free checking, although my account has more money than I transferred. 

I believe this is illegal and unfair. Please help me. 

Thank you.
Product: Prepaid card

I made a purchase at amazon dot com and swiftly cancelled it no more than half an hour later. XXXX put a hold on my card for the purchase at {$160.00}. I received a cancellation confirmation from XXXX and a settlement verification code from them after complaining about the standing hold. I contacted American Express Serve on four different occasions in a 20 hour period. Each time I was told something different about the transaction leading to confusion and misguidance. I finally reached a supervisor and supplied her with the verification code from XXXX and she told me the funds MIGHT be released in 8-10 days. I need my money now for bills and food which is why cancelled the order in the first place. The extremely misleading service and the absurd wait time to access my funds is why I am filing this complaint.
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. 

XXXX : Acct. # XXXX XXXX XXXXXXXX : Acct. # XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXX 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 theperson knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information that appears on my credit report, which I obtained on \ Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have only accurate and verifiable information reported about me, and I believe the following information is inaccurate and potentially due to identity theft. 

Disputed Items : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reason for Dispute : This account is not mine and appears to be a result of identity theft. I have never opened an account with this creditor and have not authorized anyone else to do so on my behalf. 
Account XXXX XXXX XXXXXXXX Reason for Dispute : The balance, payment history, or status of this account is inaccurately reported. I have verified with the original creditor that the reported information is incorrect, and it does not reflect my account status or payment history.
Product: Credit reporting

This complaint is in reference to File # XXXX. XXXX XXXX XXXX has reported an eviction in the amount of {$4700.00} In the month of XX/XX/XXXX. Also a public record from XXXX County Circuit Court In the amount of {$1100.00} both are from the same original creditor ( THE RESERVE AT XXXX XXXX APARTMENTS ) both have been reported on credit report. On XX/XX/XXXX I contacted Transunion @ XXXX I spoke with agent from XXXX by the name of XXXX. I told XXXX that I wanted to dispute some accounts that are being reported inaccurately and I asked about the difference in the amounts for the XXXX XXXX XXXX XXXX Account. I questioned the Amount of {$4700.00} which i have no knowledge of and how could Transunion allow such a huge amount to be reported on credit file without legal and proper doccumentation. I was advised by XXXX that i could dispute both items. Upon my disputes i requested for validation of debt and a billing statement with the list of charges from the collection agency. The court order was only for {$1100.00} where did they get {$4700.00} from? I called back on XX/XX/XXXX to do a follow up of the disputes on that day I spoke with an agent in the special handling department by the name of XXXX, i asked had there been any response back yet and she stated that she did not see any accounts being disputed at that time. I told XXXX XXXX that could not be possible because on XX/XX/XXXX, i also gave her the agents name and the file number that wsa given to me on that day. XXXX XXXX place another dispute on both items again and she stated that she could call XXXX XXXX XXXX to see if that would speed things up. The response was from a collection agent by the name of XXXX XXXX, she responded that this debt was verified and consumer needs to pay the debt. I recently had a tenant screening done my application was denied for having a Public record And eviction on credit report with XXXX different amounts appeared to leasing management as seperate evictions. 

I have no knowledge of this agency an the amount that is being reported on my consumer files. I have no contract with this Third Party Collection Agency. They are in violation to my consumer rights. If this continue to remain on my consumer file, further actions WILL be taken! PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT PERMANATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Transunion are willingly and purposefully lowering consumers scores and affecting personal credit files. They have been found guilty many times for this fraudulent behavior. This has to stop. I had perfect credit history for 5 years and they dropped my score by 200 points for no good reason. How is the public sector supposed to pay into the system or finance anything with this corrupt fraudulent activities going on?
Product: Credit reporting, credit repair services, or other personal consumer reports

The account was paid in full on XX/XX/2019. 
The creditor was awarded a judgement for garnishment against me on XX/XX/XXXX. 
They left the account open and didnt start the garnishment until XX/XX/XXXX. 
I paid it off in full XX/XX/XXXX. 
They reflect the account as still being open and being in bad standing. 
They never reported the judgment or the payment. 
And the charged me over what judgement was.
Product: Student loan

My student loan was held by First Associate and was to be transferred to XXXX. XXXX said they did not receive my student loan. I need help to find the student loan. I ran my credit report, it does not show who is servicing this loan. The student loan has been " gone '' for almost XXXX years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I usually check my credit score every week. When I checked this week as of yesterday, my credit has been used by someone other than me. The person opened three credit cards and a car loan in my name. XX/XX/XXXXXXXX pay pal account opened ( isnt mine ). XXXX XXXX XXXXXX/XX/XXXX ( isnt mine )XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ( isnt mine ) XXXX XXXXXXXX XXXX XXXX ( isnt mine )XXXX XXXX XXXX XXXX XX/XX/XXXX ( isnt mine ).
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting everything has to be 100 % accurate on my credit report. Credit reporting agencies have assumed a vital role to report accurate Consumer information.The credit bureaus stated my account was properly investigated, but how was that possible if there are inaccuracy with dates and balance amounts and address for XXXX XXXX XXXX XXXX. 

This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 15 USC 1681 section 602 states I have the right to privacy 15 US C1681 section 604 a section 2 it also states, a consumer reporting agency can not furnish an account without my written instructions USC 1681C85 section states no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse items of information, other than records of convictions of crimes, which antedates the report by more than seven years 15 USC 1681S ( 2A ) 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 inaccurate.

Also, Experian credit bureau took more than 30 days to complete my previous investigation with this manor
Product: Credit reporting or other personal consumer reports

Spoke to a special handling team about these accounts because they are fraud. XXXX have received documents from the creditors and refuse to delete these accounts. I have called numerous times about these accounts this is my second complaint because XXXX have the documents from the creditors with results of their investigation that i mailed and signature and i sent documents from the last COMPLANT.
Product: Mortgage

Property Address : XXXX XXXX XXXX XXXX, XXXX IL XXXX XXXX  # XXXX I am the XXXX XXXX XXXX of XXXX XXXX. When I took over the mortgage it was with XXXX XXXX XXXX XXXX, and in COVID Forbearance. The forbearance ended and I resumed monthly payments, after 6 months I applied for a hardship forbearance ( while I make upgrades & improvements to prepare the property for sale ) right when the forbearance was ending XXXX XXXX XXXX XXXX  sold the mortgage to XXXX. XXXX sent a welcome letter ( no statement ) via email a notice of the account being sold via postal mail with the principal amount owed at the top, the amount was VERY different than what was on the last statement from XXXX XXXX XXXX XXXX. I called and disputed this and a rep by the name of XXXX XXXX was researching this issue and was supposed to be sorting this out. I followed up with this rep via email & called their customer service number every week. Every time I called I was always told that it is still being researched. Soon Shellpoints toll-free number stopped working for me as if my number was blocked from calling, so I continued to email them with no response. During all that time, I never received any statements from XXXX. Several months later I received legal documents for a foreclosure hearing. I paid the estate attorney to go to court and stop the foreclosure. Four days after the foreclosure hearing, XXXX sold the mortgage to Selene. My attorneys have been in contact with Selene since XX/XX/year> attempting to negotiate & resolve the issue with the incorrect principal balance owed. Selene has done nothing but play clueless games every time my attorneys office contacts them for followup. Most recently ( after several months ) they requested docs that are irrelevant to this issue ( Birth certificate, death certificate, etc ) they were still sent those docs & have confirmed receipt of them. Yet here we are months later and they are still working on it. I have put off selling this property for a long time while waiting for this issue to be resolved. The property was recently listed, I have a buyer and a closing date set for XX/XX/year> and Selene still hasnt complied or provided a payoff quote with the correct principal amount owed. I can not sell the property until this situation is sorted. PDF FILE PASSWORD : XXXX
Product: Checking or savings account

you need to improve your third class service on the phone, I'm very irritated, it is impossible to reach someone over the phone, it came on, prompting me to press one number and then another, but I don't reach anyone. 

I also need to know I received the flyer in the mail about receiving {$600.00} in the bonus if {$10000.00} is deposited in the account as a direct deposit. 

is there a minimum balance I need to keep in the account to avoid the fee? 

Direct deposit of {$6200.00} has already been done in the account. 

after depositing the full {$10000.00} in the account, when will I receive the bonus in the account of {$600.00}
Product: Checking or savings account

Wells Fargo Bank Certificate of Deposit matured XX/XX/2023 ( joint account with my spouse ). I closed the account today XX/XX/2023 via Wells Fargo customer service ( phone ) which is within the grace period of 7 days. I instructed to deposit all the funds into our existing joint DDA account at Wells Fargo. I was told the funds would not be available for 2 business days. This is not compliant with Reg CC.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  Dispute XXXX United Revenue Corp XXXX   claims that this is a valid collection action yet neither XXXX  nor the alleged collection agency, United Revenue Corp, has provided any documentation whatsoever to support this claim. I have repeatedly tried to contact United Revenue Corp by mail and phone and have not received a reply to both my letters and voicemails. I have filed  multiple disputes with XXXX  but to no avail. XXXX  claims that United Revenue Corp has provided validation that this collection action is legitimate, yet I have received nothing to support this claim other than XXXX  continuing to state that its valid. XXXX  keeps closing the dispute without providing any evidence whatsoever that United Revenue Corps collection action is valid. I have no knowledge of what they are trying to collect for, and have not received any invoices or other correspondence related to this. XXXX  is negligent in their duty as a credit bureau by not removing an inaccurate entry on my credit report and by not providing any evidence that United Revenue has a valid claim.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to XXXX U.S.C XXXX and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under XXXX U.S.C. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX INQUIRY : XXXX XXXX As required by XXXX U.S.C XXXX please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you