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

XXXX, XXXX, XXXX called and Disputed XX/XX/2023 My name is copyrighted and Name held in trust i informed them that the are infridging on my rights. I have a FOIA request and Im not a XXXX XXXX XXXX XXXX im not in that jusdiction so that is defarmation and discrimination and identity theft of my property held in trust. I have POWER OF ATTORNEY IN FACT A FEE SCHEDULE AND FOIA REQUEST THAT SHOWS NO ONE IS TO BE USING MY INFORMATION WITHOUT MY CONSENT AND I NEVER CONTRACTED WITH XXXX XXXX OR XXXX SO ANY THING LISTED IS A VOILATION OF MY NATURNAL RIGHTS AND FRAUD. XXXX HAS MY PROPERTY IN A DATA BREACH AND MY INFO IS BEING USING IN FRAUD. PLEASE CONTACT AND I WILL PROVIDE ALL NECESSARY DOCUMENTATION LISTED AND MY INTERNATIONAL PROTECT PERSON ID. 

ALL MY RIGHTS ARE RESERVED USC 1-308 31 USC 3123
Product: Debt collection

NCC Business Services XXXX has re-initiated trying to collect a debt I do not owe. During XXXX I provided response to their collection attempts, and ultimately provided evidence to the XXXX credit reporting agencies XXXX and all XXXX credit reporting agencies found in my favor and determined that the debt collection was not valid. Now NCC is again trying to collect this same debt, about 1 year after I 've already had the credit reporting agencies dismiss this as an invalid debt and a debt that I do not owe. The company has harassed me and called me repeatedly, and yesterday XX/XX/XXXX even called my place of employment. I called them back and explained never to call me and to not call my place of employment. The representative was extremely rude and I had difficulty getting them to stop talking so that I could explain that this debt has already been proven invalid but they threatened to report it to the credit agencies again. I asked if I needed to contact the original place that levied this claim and they said no and that it had been " turned over '' to them. I have already proved I do not owe this money and now they are starting to harass me all over again. I have mailed in my credit reports showing the dismissal of this claim of debt to NCC as of this Monday XXXX XXXX ) so I did provide them written notice that I disagree and that the debt is not valid. I explained all of this on the phone but the representative was loud, would not listen to me, and said that no matter what that I owed this money and that I did n't know what I was talking about. He even said that since I work for XXXX he would n't try to tell me how XXXX works and so I should not try to tell him how debt collection works. I told him that he was not listening and that I would have to go ahead and hang up the phone since he would not listen to any rational or reasonable explanation that I was providing.
Product: Debt collection

I maintain that these late payments are inaccurately reported, and I am troubled by the fact that your bureau has allowed such misleading information to tarnish my credit report. As a consumer, I expect that credit reporting agencies exercise due diligence in ensuring the accuracy of the information they disseminate. I was the victim & Im not sure why the CRA is not complying with the law. Im very confused why this one seems to ignore my requests. I am deeply concerned about the negative impact this misinformation is having on my creditworthiness and financial standing. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I request an immediate and thorough investigation into the reporting of these late payments. The inaccuracies in question are unacceptable and have the potential to cause significant harm to my creditworthiness, impacting my ability to secure favorable terms for future financial transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yesterday i check my TransUnion credit report and noticed that there are unauthorized inquiries on my report. I called them 3 times and no one has offered to assist me in correcting the issue. I would like to file a complaint. 

XXXX XXXX XX/XX/2021 XXXX XXXX XXXX  XXXX. XX/XX/2021 XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX  XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXXXXXX # XXXX Account XXXX : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name XXXX XXXX XXXX # XXXX
Product: Credit card or prepaid card

On XX/XX/2019 I submitted a payment through XXXX   payment portal. When making a paying the " Payment Source '' minimum payment value was XXXX because this value was nearly double what my normal payment was I assumed I had missed a payment. After further research I discovered I had not missed a payment so I called " XXXX XXXX XXXX XXXX, XXXX '' and spoke to a lady named XXXX who helped me the best she could. She agreed that I had not missed a payment but stated she could not refund me the amount I overpaid. It seems that their payment portal does not have a reliable minimum payment value for their drop down which could cause users to give the wrong minimum payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  ( original creditor : XXXX XXXX XXXX XXXX TX ) is reporting a balance of XXXX to my credit report. Also, the dates of this account do not match across the chart which is a violation. I have not resided in such apartments. This is inaccurate information and I need this removed from my credit report immediately. It does not belong to me and I will not take credit for this. I have tried multiple attempts sending dispute letters and has not been removed
Product: Debt collection

On XXXX XXXX XXXX I terminated my total services with XXXX, and returned all of their equipment to their local office. The local office told me that I would receive a credit and would be mailed a Final Accounting by mail which I never received. I continued to look at my on line account and saw various charges appear changing from time to time with no explanation. 
On XXXX XXXX XXXX, I called XXXX accounting dept. and had a phone recorded conversation with a representative who referred to herself as XXXX. After much discussion, she told me that the balance on the account was XXXX Thinking it was settled on XXXX XXXX, XXXX I received an inquiry from a collection agency XXXX XXXX XXXX XXXX ( XXXX ). I responded in writing and sent them documents. Did not get a written response and then called them and they said they were still processing and would get back to me which they never did. I then saw they had contacted XXXX to affect my excellent credit rating. I disputed it with them XXXX XXXX XXXX  and after their investigation it was deleted from my credit report. No further inquiry from XXXX. 
In XXXX. I received another Written inquiry from another collection agency XXXX  Accounts System ( XXXX ) about the same issue. I responded by mail with the information I received from XXXX and since have received numerous phone calls from XXXX  which I have not responded except to tell them to respond to my written reply. To date no written reply. 
To date no one has ever responded to the discussion I originally had with XXXX XXXX XXXX XXXX.
Product: Student loan

The reported voluntary forbearances dates starting from XX/XX/XXXX to XX/XX/XXXX are not accurate. I was in repayment under your hardship program during this reported timeframe. I don't understand how can my status be in a Voluntary forbearance while agreed payments were automatically debited from my account under your program. My account also received late fees and capitalization line items and I am requesting more details.. Dates in question are listed below. 
XX/XX/XXXX : {$1300.00} ( capitalization ) XX/XX/XXXX : {$20.00} ( Late fee ) XX/XX/XXXX : {$12.00} ( Late fee ) XX/XX/XXXX : {$7.00} ( Late fee ) XX/XX/XXXX : {$10.00} ( Late fee ) XXXX/XXXX/XXXX {$10.00} ( Late fee ) XX/XX/XXXX : {$32.00} ( Capitalization ) XX/XX/XXXX : {$25.00} ( Capitalization ) Please perform a cross reference with the Forbearance postponements and the payment history that was provided by Navient. I received late fees and capitalization interest while I was still making payments that were agreed upon under Navient 's hardship program. I do not trust the integrity of the data being provided since your dates reflect different as you have responded in the previous complaints. 

Please clarify why there is a discrepancy in your faulty database. This definitely creates doubt of Navient 's recordkeeping. Why wasn't this discrepancy identified earlier? In the companys response, Changes to our website may cause the Disbursement transaction to reflect an initial inaccurate balance. The discrepancy is caused by the Loan Sale Entry on XX/XX/XXXX, which shouldnt appear in your history. The amount of the Loan Sale Entry ( {$29000.00} ) plus your actual disbursement ( {$4000.00} ) is incorrectly reflected on the online account history as the disbursement balance. Please clarify if the loan sale entry of $ XXXX includes $ XXXX or is the additional $ XXXX. 
Status History XX/XX/XXXX Status Begin Date End Date Post Date Grace ( Attached ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Repayment XX/XX/XXXX XX/XX/XXXX XXXXXXXXVoluntary Forbearance XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Voluntary Forbearance XXXX XX/XX/XXXX Administrative Forbearance XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Repayment XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX RepaymentXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Voluntary Forbearance XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Repayment XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Voluntary Forbearance XX/XX/XXXX XXXX Repayment XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Voluntary ForbearanceXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Repayment XX/XX/XXXX Present XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I have two accounts with Coinbase.com and have contributed about {$30000.00} to my account. Coinbase isn't allowing me to withdraw my holdings out of my accounts and is showing less money in my account than I contributed. I have reached out to them numerous times over the past 10 days and haven't gotten any resolution. i don't know what to do. I need my money immediately for a home purchase.
Product: Credit reporting or other personal consumer reports

These accounts are past statue of reports and needs to be removed off all 3 credit bureaus. Equifax, XXXX, XXXX. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

On XX/XX/XXXX, I wrote to the below creditors requesting an investigation into items that I believed were fraud, inaccurate, and falsely reported. To this date I have not received a response. Not only do I believe this to be a stall tactic on their part to grant an additional 30 days to comply with my original request, but I believe it to be a blatant violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy. 

Your credit reporting agency has been reporting inaccurate and incomplete account information to my credit file. I am distressed that these referenced inaccurate accounts are on my credit profile. Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1692g validation of debt. Also, in XXXX XXXX Equifax Information Services LLC ( XXXX XXXX XXXX ), your reporting agency may be liable for false reporting. Credit reporting laws ensure that bureaus report only 100 % accurate credit information.
Product: Credit reporting, credit repair services, or other personal consumer reports

The problem is this company has been bought at least twice it was deleted from my account originally upon the Genesis credit Management it is still on the XXXX and the XXXX credit reporting agency I have tried to dispute them several times and each time I dispute it was a different collection company it was originally disputed up on the Genesis credit management and was deleted due to being fraudulent then it changed to The summit at XXXX on the account now it is Columbia debt recovery and they just keep updating it when I dispute it but like I said it was originally deleted up on the Genesis credit Management and the amount is the same {$1300.00} I have proof that it was deleted off of my XXXX account they reviewed it and determined that it was fraudulent.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX Balance : {$2700.00} XXXX  XXXX Balance : {$1600.00} XXXX XXXX  XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Debt collection

I was served by the XXXX XXXX XXXX to respond to an attempt to collect a debt on XX/XX/XXXX. The alleged debt amount is {$7300.00}. My partner XXXX XXXX XXXX into the world XXXX, XXXX. And the XXXX XXXX XXXX XXXX I was stricken from working full time having to be home more where i was needed most. In that time i was also able to learn and educate myself on my XXXX given rights as an American and my consumer protection laws. I have since learned that i have been violated and deceptive practices have been done to me causing even more stress and harm to my family and I. I was given 21 days to respond to the courts. My response date was XX/XX/XXXX. I denied all alleged allegations against me and have since been given a pretrial date. I have made several attempts requesting documentations to disclose accounting information that. I am entitled to and have not received. All which was done in a timely manner before responding to the courts. Ive sent a email attempting to gain information from the debt collectors who have gained my information illegally. I never gave any written consent to anyone in the company to share information. Nor have i given any forms of consent to distribute my personal information. I have been a victim of identity theft. They still wishing to proceed with a case against me is casing more unnecessary stress than i can almost bare. I also sent 3 notices by certified mail demanding my personal accounting information and have not even been responded to. I am well aware that the securities generated on that account come from my social securities and my signature. Also US Codes give clear instruction on what to do with an account with a balance in excess ( 12 CFR 1026.21 ). They did not perform those duties. I will enclose all of the notices and screen shot of emails sent. And all other documents Ive received from the courts.
Product: Prepaid card

Hi, I opened a XXXX XXXX account that offered a {$50.00} statement credit after spending {$50.00} at XXXX. I opened the reloadable card around XX/XX/year>. I've met the spend requirements on XX/XX/year> ( attached a screenshot of transaction history and monthly statement ). However, I've not yet received the {$50.00} statement credit.
Product: Student loan

After filing for bankruptcy and them sending back a proof of claims to receive part of the estate I constantly received harassing phone calls. Emails and letters in the mail after being told those would all stop. Not to mention when speaking to someone with my student loan they kept going back and fourth between it being a federal and private loan one minute its federal the next they say its private. They received money from the estate in the end.
Product: Checking or savings account

My account has been continually accessed by criminal activity. From as far back as XX/XX/XXXX there are names of people whom we do not know. Multiple visits and calls to Wells Fargo Bank throughout this time period shows a trend of criminal activity and electronic access and use of my money without my consent. Wells Fargo did not help- in fact they recommended that I turn off my online banking. Opened new accounts, Recommended that I transfer {$200000.00} into a savings account and then set up that account as the overdraft protection to the checking account ( XXXX ) that was being accesssed. I am an elderly widowed, retired XXXX XXXX veteran who trusted this bank to help me. I got my daughter involved in XXXX and she spent countless hours with Wells Fargo phone individuals. She created a spread sheet from XX/XX/XXXX thru XX/XX/XXXX when I noticed the activity on a bank statement that came in the mail. The names that I see that I do not know, never even heard of until they showed up on my account are XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and probably more. They always use electronic means. The spread sheet that covers from XXXX XXXX shows an illegal withdrawal amount of XXXX with much of that being sent over from the savings by overdraft protection in that amount of {$14000.00} When my daughter made this spreadsheet we contacted wells fargo again and after much hard talking got put through to a new investigator named XXXX. She said most of these claims had been put through and deemed " not fraudulent '' and she did not overturn that. However she found several more incidents that did not have a claim against them ( many duplicate the denied items ) and she got us a payment of {$1200.00} on XXXX. HOwever all of the others were not overturned. Thsi made absolutely no sense. At this point they state they have done all they can. I am going to attache the spreadsheet made by my daughter, the statement from XXXX thru XXXX and another spreadsheet my daughter was able to download directly from Wellls Fargo.
Product: Money transfer, virtual currency, or money service

I got scammed back in XX/XX/year> through my bank ( XXXX  ) and zelle, I was scammed into sending money. They took XXXX from my bank and I tried to get it resolved with zelle and XXXX  but they couldnt do anything to get my money back, they just made me delete my bank account and reopen a new one, I file a police report about the scam as well and they did an investigation but was unable to help get my money backIve been through a lot of hardship because of this and learned to never trust anyone again. I was scammed by someone on XXXX who said they would help me make some money, and I only did it because I really wanted to help my parents outIm a failure as a son and I just want to make things right and wish I never talked to that person on XXXX.
Product: Credit card or prepaid card

Applied for CC with WF to complete a Balance Transfer to XXXX. Requested full BT of XXXX and only approved for XXXX with WF. Never saw that partial BT would be completed if full amount not approved. 

Requested reversal of BT from Wells Fargo and then stated I had to request from XXXX. Requested reversal from XXXX and it still hasnt been completed or funds sent back to WF. 

Stall trying to get this reversed to no avail. Both banks are in the wrong now.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquirer name is Suntrust Bank DBA XXXX and XXXX of XXXX XXXX. the inquiries took place on XX/XX/XXXX and XX/XX/XXXX respectively.. I contacted both XXXX, Suntrust, and XXXX to removed the inquiry. Suntrust has not gotten back to me and XXXX has sent me this letter explaining why the inquiry happened but failed to show proof that I was the one who request for my report to be viewed. XXXX also has fail to provide me with any evidence of such inquiry request made by me. I'm therefore disputing the validity of this inquiry.
Product: Credit card or prepaid card

I submitted a request to have this card removed from my credit report as I do not hold this card. I was a authorized user and not the account holder. I have no financial obligation to the card and want it off my credit immediately per the Fair Credit Reporting Act guidelines ( FCRA ).