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

Now for the issue. For the last 6 months I have been aggressively working on my credit score in order to purchase a new car in XX/XX/2019. My credit score was 27 points from reaching XXXX. Then to my surprise I receive a notification that my credit score dropped 36 points. So first pull my credit report to see what in the world could be the change because I dont have any added debt and Ive been paying all my bills on time. The issue why my credit score dropped 36 points was because on XX/XX/2019 Navient reported to all three agencies that my student loan balance increased by {$3100.00} and then Navient on the same day reported that my student loan increased by {$2400.00} for a total of {$5600.00} in increase debt. So I call Navient and speak to Customer Representative # XXXX to see what was going on because I am not back in school and I havent taken any additional loans and the representative lets me know that I dont have any new student loans and there isnt an increase of {$5600.00} on my student loans there is only an increase of about {$300.00} and she doesnt know why Navient reported an additional {$5300.00} to the credit agencies. I have attached documentation reflecting the only change in my credit report. I also called all three agencies regarding the 36 point drop and each customer representative informed me that the change is due to an increase in my debt indicated by my student loan provider of {$5600.00}. I was also told that it could take months for my score to increase by the 36 points even if Navient fixes the mistake. 

Navient inaccurately report on my credit reports and why no one has caught this. The 36 point decrease has put me in a completely different credit score bracket with a completely different interest rate for the car I have been planning to purchase. This error affects me in the long run and my financial well being. I need a person to give me a call to resolve this. I would like a live person to give me a call and explain why {$5600.00} was reported to the credit agencies and what is being done to fix the situation.
Product: Checking or savings account

I'm writing to formally file a complaint regarding multiple overdraft fees applied towards my account. These fees were assessed despite having sufficient funds available at the times my transactions were authorized. However due to delayed posting of charges and credits, I wasn't fairly charged overdraft fees. 
This issue appears consistent with the CFPB, which identifies similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair and would like to rectify this issue expeditiously thank you.
Product: Debt collection

I made many attempts to ask for proof of debt and verification of identity used. 
Proof of Debt : Copy of original contract or Contract I have with debt collector Proof of Indentation : Copy of my ID and/or SSN card I want to verify where and how this was able to furnish to my credit report without my involvement or consent. And what makes me liable to pay this debt for whatever reason and if I maybe a victim of ID theft! Company just claims its verified without proof of debt or transaction I have or not have with them. 
Company has be contacted by Customers reporting agencies, XXXX  and directly. And has not provided proper documentation to resolve or has not removed this claim from my credit report.
Product: Credit card

credit cards from this company are less that 14 days to return the payment. since they have to be mailed you are always missing the date and getting more fees added to the card.
Product: Mortgage

AN UNKNOWN ERROR IS FALSELY REPORTING A 30 DAY LATE ON MY CREDIT REPORT FOR THE MONTH OF XX/XX/XXXX. AND ALSO FALSELY REPORTING MANY LATES ON MY CREDIT REPORT IN XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX, XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report reflects an account " XXXX XXXX '' in the amount of {$740.00}. I have ZERO idea who this is. I have, at no point ever, opened an account with this company. I disputed the item with Transunion and froze my credit and after hours of trying to get ahold of this company, talked to " XXXX '' who was to dispute this claim and report it as " fraud. '' I literally have no card, not a complete account number ( the one on the credit card is absent of the last XXXX numbers ). TransUnion " investigated '' ( laugh laugh, cough cough ) and determined this was indeed my account. Strangely, this company has my mailing address as XXXX XXXX XXXX, XXXX, NY ( never been there, know absolutely nobody there, I reside in XXXX, MO ). Clearly, somebody isn't doing their job. Had real eyeballs been placed on this investigation, it would have been determined that I DO NOT OWN THIS ACCOUNT. This has been a nightmare. A literal nightmare. I'm exhausted. I have a child with a head injury and the time spent trying to fight this is unnecessary if people would do their jobs. At this VERY moment, I am on the phone with " XXXX '' from XXXX XXXX and she is emailing the statement of charges ( that aren't mine ). She's putting me through to the fraud department again, which won't matter. PLEASE HELP ME. PLEASE. Somebody with real, viable organs needs to investigate this. Not an electronic robot ... .by the way... .it 's XXXX getting through to this company without account information.
Product: Credit reporting or other personal consumer reports

XXXX reported to my credit company XX/XX/year>. They have it reported as deferred. University has returned the loan back to XXXX XXXX. loan is in an unknown status not deferred nor do I owe XXXX. When I reach out they have no information or any account with my name. ACCOUNT WAS NEVER OPENED FOR LOAN. WAS RETURNED BY XXXX XXXX XXXX AND CANCELLED.
Product: Debt collection

The debt is owed to XXXX. XXXX did not give us enough time to resolve the debt with them before sending it to a law firm. I am attaching what the law firm sent us due to it not looking like it is filled out correctly. 

Since I have already filled out the form. I would like to ask about other debt and who I can speak with. I also owed a credit card company approximately XXXX dollars. They took me to court and did I had no idea what I should do. Of course I did nothing and now that XXXX debt is a XXXX lien against my house. How can unsecured credit card debt get a lien against your house.
Product: Debt collection

I am requesting valid proof of the alleged item. Additionally, I 'm requesting the original contract or document with my Name, Address, and  Signature.  Also, the Name, Address, Telephone number, and signature from the original creditor  XXXX   XXXX   XXXX  University  . If  the requested documents can not be produced. Please delete the item in question from All Credit Bureaus. Please see attached document for the items requested.   Thanks ...
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXXt # 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
Product: Debt collection

I been calling and sending this company certified letters since XXXX of 2020. This {$96.00} debt is not mine. I don't have a contract or agreement ever with this company. This collection is on my credit report and destroying my report.
Product: Credit card

I purchased an item. After the seller agreed to a return/refund, the product was returned. The Seller decided it was easier to keep my money and deny the package. The package was returned unopened upon receipt at the post office & there is proof of it being properly shipped out but denied by the seller. I bank with Chase because I thought they were FDIC insured and would protect me from fraudulent activity. I have been a customer for 20 years without any open claims. They could care less and kept stating " XXXX  is the one investigating this '' XXXX  Im a customer of Chase, not XXXX. Shockingly bad business.
Product: Credit reporting, credit repair services, or other personal consumer reports

American Express is reporting a debt I do not owe. When I checked my credit i saw this debt and paid it immediately. I never got a phone call, collection letter or notice. I have paid this debt a long time ago and it still updating.
Product: Debt collection

XX/XX/XXXX, I responded to a credit alert from my private credit alert account in reference to a debt collection service- Zion Debt Holdings for the collection of {$1300.00} for an account opened in XX/XX/XXXX on XXXX. 

I immediately contacted the fraud team from my private service and discussed how to handle the issue. A member of the fraud team attempted to contact Zion Debt Holdings at approximately XXXX am XX/XX/XXXX with myself as customer on the phone. No one answered the phone number listed on the credit report. The fraud team member recommended that I attempt to call again within the hour to talk with a Zion Debt Holdings representative and to report back the outcome. 

I contacted Zion Debt Holdings ( XXXX ) XXXX, approximately XXXX minutes later to discuss the debt and to get copies with Wet Signatures of contracts that I entered into with the Debtor and Zion Debt Collections to whom the request for payment is identified. 

The representative was very unprofessional, rude, loud and disrespectful and I do not remember her giving her name because of the loud talking. She did not allow me to explain what and why I needed information, She continued to talk over me in references to not providing wet signatures of contracts. She remained loud and continued to talk over my request for proper identification of the contracted entities. 

The conversation became very intense between both parties due to the disrespect of the consumer 's right to be informed. I felt a violation of my right to know my accuser of debt and whom the collector requesting payment for the prevention of requested money not owed to a fraudulent entity, my right to be educated on the process, my right to be heard as a consumer. 

The representative actually hung the phone up on me XXXX  ( XXXX ) ; I called back XXXX ( XXXX ) times. The representative said it was a recorded line ; but does a representative behave in that manner if it is recorded? 

I am suspicious of the debt and the debt collection agency. 's identity and practice. 

I dispute this debt as fraudulent
Product: Credit reporting or other personal consumer reports

I recently discovered that unauthorized credit applications were made in my name, severely impacting my credit and lowering my score. I contacted Equifax, and a representative assured me that these fraudulent inquiries would be removed. However, despite their assurance, these inquiries still remain on my credit report. This situation is causing me significant stress and concern, as the presence of these inquiries suggests potential identity theft and continues to harm my creditworthiness.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Student loan

This student loan was included in a Bankruptcy, and was over seen by a Law Firm. The matter was resolved and the casework can be found in the Federal Bankruptcy Court of Northwest Florida. 
The last reply was it was in discharge for the Permanent and Total XXXX discharge. 
But now must resume repayment. 
Again it was Fully Discharged in a Federal Bankruptcy Court.

As this is not the first, second, or third time the paperwork has been changed in status for the Total and Permanent XXXX discharge. The lender wants the loan repayment before any discharge. 
I have been sending paperwork for a Discharge since XXXX with status always changing or restating. 
I have been repaying with interest or speaking with lenders since XXXX. 

This is a Bankruptcy Discharged Loan. Dragging out a XXXX XXXX XXXX small XXXX XXXX XXXX that was to be discharged also with all the rest of the XXXX XXXX loan 's is beyond belief.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 15 Accounts on my credit report that do not belong to me I have been trying to understand why these are even on my credit report I have sent out disputes to the bureaus regarding this I need this taken care of right away since I am getting frustrated by dealing with other peoples mistakes and how people are getting my information baffles me. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Consumer Loan

I have been having my car payment auto-deducted from my checking account every 2 weeks for the past several years from XXXX. I recently paid off the vehicle last month. 2 weeks after the vehicle was paid for, I received another deduction from my account for a full payment. The last payment was overpaid by a little over {$20.00}, and XXXX ( Bridgecrest ) sent me the remainder before I even asked about it. Right before I received that check in the mail, I had this full payment auto deduction, and it has been a constant battle the past 2 weeks to try and get my money back. The company said they were sending me a check 2 weeks ago for the {$170.00}. I called back to check the status of this, and they said they never sent a check, as they were waiting for me to send a bank statement. This was not what I was told in the beginning or else I would have given them my bank statement. So I sent them the bank statement, and a lady said she would overnight my check to me. I have called back several times since then. It has been 3 days, and I have seen no check and after calling the lady all day today, all of a sudden I can not get a hold of her or anyone in management. I have NEVER had a late payment with this company, and I all I wanted was the money that they wrongfully withdrew from my account. I have taken time out of work, and family life to get this little money, and I have gotten nowhere. This company specializes with poor and no credit customers, and they think they can get away with this because we have no other options. As I paid 18 % interest with {$2200.00} down on a significantly overpriced vehicle, I will not be treated like a second class citizen by XXXX, Bridgecrest, or whatever else they want to call themselves.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been having lots of billing related trouble ( incorrect bills, Automatic payment stopped without any reason, XXXX minutes waiting time to get their representative on phone, email responses after XXXX days etc ) with my XXXX XXXX company ( SprucePower ) for the last 2 years. My account number with Spruce Power is XXXX. I had numerous email exchanges with their support team regarding these billing snafus. 

In addition to these billing related issues, there have been 2 times in the past 2 years when my credit card was used fraudulently within a few weeks of registering with them for my monthly account payment. These 2 cards I used very rarely otherwise. 

My latest latest billing issue started in XXXX when their automatic payment system failed to pull out the monthly account fee from my bank account. I followed up with them over email ( transcript file name XXXX ) and when the online access issue was resolved on XX/XX/XXXX, I payed the balance for XXXX and XXXX along with the payment for XXXX that wasn't due until end of the month. 

To my surprise, Spruce Power LLC business marked my account as delinquent for the unpaid balance for 2 months ( XXXX & XXXX ) and reported this to XXXX and other credit reporting companies. I filed my dispute with Experian w.r.t these facts ( that I tried my level best to resolve the billing issue with my XXXX provider company and the bill for 2 months wasn't being payed due to an issue with their backend system without my fault ). My dispute was closed within XXXX weeks without providing me any further details and an opportunity to me to provide more facts.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report i noticed that there is inaccurate information reporting. 
The inaccurate information is the late payments for XXXXXXXX XXXX  XXXX Account Number : XXXX There has been a payment made on this account and has not been 30 days past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never authorized Equifax to disclose my personal and credit information to any third parties without obtaining the required permissible purpose, as per USC 1681b ( a ) ( 2 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX sent a delinquent account that belongs to someone else to XXXX XXXX XXXX, a collection company, XXXX then reported the delinquent account to the credit agencies under my name. XXXX rejected the report as the name, address, social security are different than mine. However, XXXX and Equifax did report the negative credit under my name. I contacted XXXX who admitted that the delinquent account belongs to another person but claimed that they reported it correctly and I needed to contact Equifax and XXXX. I made multiple contacts with both agencies. Equifax did fix it, only to accept it again a month later. XXXX said they completed their investigation and determined that it is me who owes the delinquent account, they provided no further details. I then contacted the original creditor, XXXX XXXX XXXX who admitted that the account belongs to XXXX XXXX and not me, however, they want me to get a copy of my XXXX death certificate before they close their account. I have no access to his death certificate as we are not related. In short, the 4 entities named above are destroying the credit that I worked so hard to establish and will do nothing to clear the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

With all 3 credit bureaus I have tried to dispute matter that is one debt  reported by numerous collectors for different amounts ranging from XXXX to almost XXXX they took well over 30 days when I first requested information regarding debt and never sent information. XXXX  is listed as original creditor and XXXX  also XXXX XXXX XXXX and another XXXX XXXX all are reporting this debt on credit report.
Product: Mortgage

I just found out that Shellpoint has been charging me for additional insurance since XXXX XXXX when I had in fact both the required insurance ( HOA and homeowners ). I even submitted a copy of the HOA insurance certificate through the website used by the mortgage servicing company and uploaded my HOA insurance back in XXXX. They ignored my insurance certificate and started billing me for additional insurance until I found out this month. In total I was charged an extra {$480.00} as extra insurance when I was not aware or did not need it. Shellpoint has the contact information for my HOA and could have contacted them directly for verification if needed. They also have the previous certificate with the agent information on it. I provided the copy of the insurance certificate when asked back in XX/XX/XXXX. 
They have been charging me extra, therefore increasing my monthly mortgage payment. This is fraud and unprofessional. It definitely needs to be investigate. 
You will find attached copies of the insurance certificate from HOA and email confirmation from the 3rd party company they requested to have my insurance uploaded to. I also submitted a copy of the letter I received back in XXXX for the same HOA insurance where you can see the 3rd party vendors information website where to send documents.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX