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

Payment History : Payment history for the months of XXXX and XXXX was not reported ( Equifax ) ( XXXX ) & ( Equifax ) Equifax Report Date XXXX XXXX, Confirmation # XXXX page XX/XX/XXXX Show PAYMENT HISTORY : NO DATA AVAILABLE. 
XXXX : XXXX ( Rating X ) NO DATA INFORMATION. XXXX ( Rating X ) NO DATA INFORMATION. 
XXXX XXXX ( ND ) NO DATA INFORMATION. XXXX ( ND ) NO DATA INFORMATION. 
On XXXX, I submitted a written dispute to XXXX Bank Credit Bureau XXXX, attached United Postal Service Receipt that proves that XXXX XXXX  ( XXXX ) received all the documents. like my bank statements, copies of a portion of my credit report, a copy of my DL, as well all the documents to support this complaint. This department didnt take action to correct this discrepancy in my credit report. This department sent me a letter on XX/XX/XXXX, requesting the same information already sent previously. Letter is attached. 
XX/XX/XXXX I received a letter form XXXX XXXX, case # XXXX. I reached out to # XXXX asking to speak to XXXX, the person indicated in the attached letter, but she never returned my call.
Product: Money transfer, virtual currency, or money service

on XX/XX/2021 i sent XXXX dollars to my sister in XXXX with world remit money transfer after 2 or 3 days they texted me saying that my recipient got the money but the next day my sister called me and said when she went to the bank to pick up the money there was no money so i called the customer service twice to find out what happened to my money and they keep telling me they are still waiting communication from a local partner that they will get back to me as soon as they find out but im still waiting for them to get back to me, in the meantime my money is lost. i just want my money back.
Product: Money transfer, virtual currency, or money service

My Complaint against Binance.US ( BAM Trading Services ) cryptocurrency exchange XXXX XXXX XXXX XXXX As a tax paying citizen of the U.S. and resident of the great state of South Carolina, I am requesting government assistance in a problem that I ( and many other retail investors ) are having with Binance.US cryptocurrency trading exchange headquartered in XXXX XXXX, XXXX  and which is supposed to be a federal government regulated exchange. On XXXX XXXXXXXX XXXX I sent a support request to Binance.US after they for no reason given decided to block my trading account and block my ability to withdraw my XXXX Bitcoin ( approx. {$1000.00} value ) that I had just deposited a few days earlier into my Binance.US account. As of today, XXXX XXXX, XXXX they have still not unblocked my account so that I can withdraw my {$1000.00} Bitcoin that I deposited into my account and in one email to me they stated that i would have to wait a minimum of 30 days in order to be able to withdraw my Bitcoin from my account. I have filed multiple support requests to Binance.US and they do not respond. They block you from trading and withdrawing your funds and then when you send in a support request ticket to get help to withdraw your assets from your account they will not respond to your support request. This is just like they are stealing my money. Why is the company not being investigated by the Securities and Exchange Commission who claims their mission is to protect U.S. retail investors from fraud and abuse?
Product: Debt collection

RE : ALLY FINACIAL INC XXXX. XXXX  XXXX XXXX, MN XXXX RE : INACCURATE REPORTING TO CREDIT REPORT TO WHOM IT MAY CONCERN : I RECEVIED A COPY OF MY CREDIT REPORT AND FOUND THE FOLLOWING ITEMS TO BE ERRORS. 
HERE AS FOLLOWED ARE THE ITEMS IN ERROR : THE FOLLOWING INQUIRES NEEDS TO BE REMOVED : CREDITOR NAMES : ALLY FINANCIAL IN CREDITOR DATE OF INQUIRES : XX/XX/2018 & XX/XX/2018 2018
Product: Vehicle loan or lease

I reviewed my credit report and I didnt authorize for this company to run my report. The dates are XX/XX/year> through XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft AMER HONDA Account Number : XXXX This is not mine. 

2. Identity Theft 12 XXXX  XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ). After reviewing my credit report, I noticed discrepancies in the reporting of several accounts, particularly with balances exceeding original credit limits, and I request a reinvestigation. Below are the details : Accounts in Dispute XXXX. XXXX XXXX ( Account # 1 ) Date Opened : XX/XX/XXXX Balance : {$5900.00} Original Credit Limit : {$5000.00} Status : Account charged off. {$5900.00} past due as of XX/XX/XXXX. 
Reason for Dispute : The reported balance exceeds the original credit limit by {$920.00}. This discrepancy raises concerns about the accuracy of the charges. I request verification and a detailed breakdown of how the balance was calculated, including any fees, penalties, or interest applied after the account defaulted. 

XXXX. XXXX XXXX ( Account # 2 ) Date Opened : XX/XX/XXXX Balance : {$1300.00} Original Credit Limit : {$1000.00} Status : Account charged off. {$1300.00} past due as of XX/XX/XXXX. 
Reason for Dispute : This account shows a balance exceeding the original credit limit by {$330.00}. I request verification and clarification of how these charges were incurred and calculated. 

XXXX. XXXX XXXXXXXX XXXX  ( Account # XXXX ) Date Opened : XX/XX/XXXX Balance : {$21000.00} Original Credit Limit : {$20000.00} Status : Account charged off. {$21000.00} written off. {$21000.00} past due as of XX/XX/XXXX. 
Reason for Dispute : The balance exceeds the original credit limit by {$1900.00}. I request a detailed explanation of how this amount was calculated, including a breakdown of all fees, penalties, and interest applied. 

XXXX. XXXX XXXX XXXX  ( Account # XXXX ) Date Opened : XX/XX/XXXX Balance : {$16000.00} Original Credit Limit : {$16000.00} Status : Account charged off. {$16000.00} written off. {$16000.00} past due as of XX/XX/XXXX. 
Reason for Dispute : The balance exceeds the original credit limit by {$360.00}. I request documentation supporting this amount, including any fees or charges applied. 

Summary of Dispute The balances and statuses reported for these accounts do not align with the original credit limits, creating potential inaccuracies. If the discrepancies are due to added fees, penalties, or interest, I request validation and documentation of these charges. 

Under the FCRA, credit reporting agencies and creditors are required to report accurate and verifiable information. If the balances or account statuses can not be verified, I request their immediate correction or removal. 

Requested Actions XXXX. Conduct a full reinvestigation of the accounts listed above. 
XXXX. Provide written validation and documentation supporting the reported balances and statuses. 
XXXX. Correct or remove any unverifiable or inaccurate information from my credit report.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture, a bill, and and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to Section 605C of the Fair Credit reporting Act, I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required by the law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day, To whom it may concern, I XXXX XXXX soley submit this complaint on behalf of myself in regards to my credit report. I have recently pulled my credit report and noticed the closed account XXXX being reported as a charge off, however the address associated with this account is incorrect and inaccurate. According to the fair credit reporting act I ask this account be deleted and completely removed off my credit report immediately.I have attached my equifax credit report as proof of my claim.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX - I opened a XXXX 's XXXX XXXX unsatisfied with customer service and other experiences with the card I paid a final balance of XXXX on XX/XX/year> and requested the account be closed. However, I continued to receive statements for a fee and interest charge which I objected to, however the account remained open and continued to incur charges. These fees and charges ballooned to {$350.00} and went into charge off status. Although I continue to dispute this item I keep receiving message that the account is with another lender yet that information was not furnished to me. This is a violation under USC 1681.

Comenity also violated IRS 4681 which prohibits income from being reported on a consumer credit report and failing to provide a 1099c.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid in agreement with the settlement with Chase bank and XXXX XXXX on XX/XX/XXXX. The reps that I spoke to and paid agreed to update my account as paid in full. I need this done asap!
Product: Credit reporting or other personal consumer reports

Equifax has violated The Fair Credit Reporting Act and has furnished information concerning me I did not authorize. According to the Fair Credit Reporting Act, there must be permissible purpose to furnish information on someone's credit report or written consent from the consumer. Equifax has violated federal law and violated my rights. I asked them to verify where they received the information concerning me and they verified it came directly from the Bankruptcy courts. The United States Bankruptcy Court doesn't report to or validate bankruptcy filings with Equifax or any credit agencies. Upon my research, I found out that a 3rd party gathered the information from XXXX XXXX XXXX, sold the data directly to Equifax and then Equifax ( violating federal law ) furnished the bankruptcy data on my credit report without my consent or permissible purpose. The illegal method of credit reporting, and conduct of business between Equifax and the 3rd party, has caused me financial trouble. I have been unable to secure financing, a vehicle for my needs, and even a roof over my head. 

The bankruptcy reference numbers are ( XXXX ) and ( XXXX )
Product: Debt collection

We have debt. There is a no contact order on phones XXXX-XXXX-XXXX and XXXX-XXXX-XXXX. Today, they called twice leaving messages to call them about debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written dispute letters to XXXX, XXXX and XXXX  and the creditor in regards to derogatory and negative closed accounts that are on my credit report. All letters were notarized and sent via certified mail starting in XX/XX/2018 and 30 days after each letter was received by the credit reporting companies in XX/XX/2018 and XX/XX/2018 and a letter to the creditor on XX/XX/2018. The credit reporting agencies are saying they have verified the items but are not able to provide me with original documentations ( consumer contract with my signature ) showing that these accounts were indeed open by me. The creditor did not respond at all. Nor are they responding to my request to state who verified these items and the method used for verification as required under Section 611 ( a ) ( 7 ) FCRA  states that credit reporting companies must have a copy of the original creditors documentation ( a consumer contract with my signature ) on file to verify that this information is mine and is correct as required by Section 611 ( 5 ) ( A ) of the FCRA.
Product: Credit card or prepaid card

I have always paid in full before the balance even due. Thus, there should not be any interest. Yet this Credit card company charged XXXX interest rate. Furthermore, the customer service are routinely abusive and racist. 

Note .. My email is personal and private and should NOT be used by Elan
Product: Credit card

Radioshack/ CBNA is reporting a tradeline on my credit report that is not my account, has never been verified as my account and is now is older than 7 years old. Radioshack/CBNA has refused to remove this item and refuses in writing to verify due to my inquiry being " frivolous ''.
Product: Debt collection

COLLECTOR INGNORED CEASE AND DESIST AND DON'T CALL ORDERS ... AND NOW IS REPORTING ON CHEXSYSYTEMS, XXXX AND OTHERS IN VIOLATION OD THE DODD FRANK ACT.
Product: Credit reporting or other personal consumer reports

To whom it may concern, To begin, I would like to ensure you have and ONLY sustain existent, TRUE, CORRECT, COMPLETE, and MANDATED reported details Pursuant to FCRA regulations, any and all others that may be recited now or else wise I DEMAND, as is my lawful RIGHT ( s ) to do so, that you annul until adequate and provable and immediately any and all flawed of these afore-noted conditions, mentioned or not, especially if related directly or indirectly to any potentially injurious information be it proper or unknown! Again, I DO NOT AUTHORIZE you to misreport any misinformation now or ever, please review and ENSURE your adequate and full accordance with the laws upon which govern your practice of reporting consumer credit profiles.

( a ) I do NOT have any preconditioned to be OTHER NAMES or aliases and I do NOT have compliant-like salacity of or for any OTHER NAMES or aliases to be retained or expressed, if ANY terminate NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right ( s ).

( b ) I do NOT have any required OTHER present addresses and I do NOT desire any OTHER ADDRESSES to be retained o r reputed, if ANY omit NOW or produce PROOF of your legitimate AUTHORITY to hold on to much less report without infringing my consumer right ( s ).

( c ) I do NOT have any mandated OTHER SSNs and I do NOT cover any OTHER SSNs to be retained or believed, if ANY REMOVE FROM REPORTING NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right ( s ).

( d ) I do NOT have any requisite OTHER Dates of Birth and I do NOT long for any OTHER Dates of Birth to be retained or communicated, if ANY efface from reporting NOW or product PROOF of your legitimate AUTHORITY to keep much less report without infringing my consumer right ( s ).

( e ) I do NOT have any needed telephone numbers and I do NOT have wish for any telephone numbers to be retained or disclosed, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to preserve much less report without infringing my consumer right ( s ).

( f ) I do NOT have any employers and I do NOT yearn for any employers to be retained or made known, if ANY exclude from reporting NOW or product PROOF of your legitimate AUTHORITY to keep much less report without infringing my consumer right ( s ).

( g ) I do NOT have any spouses/roommates/co-applicants and I do NOT have ambition for any spouses/roommates/co-applicants to be retained or described, if ANY edit out NOW or product PROOF of your legitimate AUTHORITY to maintain much less report without infringing my consumer right ( s ).
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an issue with an old account that is reporting on my credit report that should not be there. I had an issue with an account that was related to an injury that happened in 2010, yet it is still reporting on my credit information. I have tried to investigate this with both the company ( XXXX ) and XXXX, yet there is an issue with this STILL showing on my credit report stating that I owe {$130.00}. This needs to be removed off my credit report, yet it is still showing up. All that I ever receive is these notices from XXXX stating that I owe this money that I do not owe. This is way past the statues of limitations regarding it showing up on my report. This alleged debt is over 9 years old, yet there is nothing that I have gotten from them that validates that this is correct debt. I had insurance at the time and this needs to be removed. I have sent SEVERAL requests to have this validated and still nothing has been resolved. This needs to be removed from my credit report at once.
Product: Credit card or prepaid card

Today I called Victoria Secret to try to settle this account, because it has been showing up on my credit report for awhile. I didn't open this account nor did I authorize anyone that they could open this account in my name. I've disputed this account multiple times as not being mines sent police report. I see a couple of years back someone made payments on this account, but it wasn't me or my bank account. Well I'm in the process of trying to buy a home and my lender asked me to call them to try to settle just so it's not showing a balance. I called Victoria Secret and spoke to an XXXX and I told her that I wanted to speak to someone regarding the charged-off account. She then transferred me to another lady in another department that answered that she was with Comenity Bank that was so rude, condescending, and unprofessional. This is one of the reasons why I never applied for a card with this company, they're XXXX when you go in they pick and choose who they greet and assist while in store. Well the young lady asked how could she help me. I explained that I was calling regarding a charged-off account with Victoria Secret and I wanted to settle and pay it off. She then stated that the amount was {$1000.00}. I say yah don't have a payment option since it's COVID. She got snooty and said Ma'am there hasn't been a payment made since 2018, like ( XXXX you haven't paid this bill and I'm not willing to help you ). I then said I'm aware I don't like your tone and I want to speak to someone else, because you're talking to me like I'm an XXXX she laughed and said okay then hung up. This is the reason for the filing of this complaint. THIS CALL NEEDS TO BE LISTENED TO AND SHE NEED CORRECTIVE ACTIONS DONE!
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting in XX/XX/2022 I sent certified dispute letters to have a bankruptcy removed off my credit file reference # XXXX with XXXX and Experian that does not belong to me or have my last on it. XXXX and Experian are the two credit bureaus who are refusing to remove it XXXX has removed it. The excuse that XXXX and Experian are giving is that they validated it by the courts. I contacted the courts and gave them the letter from the courts stating they don't give public record to the credit bureau. They are violating and not complying with FCRA 611 ( U.S.C 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete these accounts asap Capitol one credit cards XXXX dollars
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I have been trying to get this collection debt removed from my account that has been on my account now since XX/XX/year>. This debt was owed to XXXX & their collection company is called Credit Collection Service. The company promised to remove the debt from my account but still shows on my credit report. I have disputed this several times and this has not been removed as promised.
Product: Student loan

I have my student loans set up through Navient. I was placed on forbearance during residency. I was told that I would have a 6 month grace period after graduating residency before I would have to enroll in payment ( I do not recall this person 's name as it was many correspondances ago ). I then found out that this was not true. Then while setting up income based repayment I was told numerous different amounts that I would be responsible for. Since XX/XX/XXXX I have been trying to pay my monthly payment with autopay. However, every month so far there has been an issue ; meaning every month I am given an alert saying I have a past due balance and that I should/can enroll/need to enroll in auto pay. Every month I call and someone attempts to fix it, points out that past person 's mistake and tells me it's taken care of. There is no accountability or penalty for Navient and their poor handling of my loans.
Product: Checking or savings account

I didn't receive my package and PayPal will not refund the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

A debt in the amount of {$3000.00} from National Credit Systems is being reported on my credit report. The debt in question is from an apartment that I leased. I contacted the company [ National Credit Systems ] by mail to ask for validation for this debt and the accuracy of the amount. I received a response back on XX/XX/XXXX. The company replied by sending the transaction history and the initial lease. ( see attached ). The initial lease was dated XX/XX/XXXX to XX/XX/XXXX ( Dates are wrong on the lease also ) I am being billed a termination fee of {$1100.00}. My move out date was XX/XX/XXXX. Before I moved I notified the then Manager of the property ( XXXX XXXX ) of my intention to vacate the property well within the 30 day in advance time frame so as to avoid the termination fee as per their agreement I was on a month to month basis since no lease renewal had been signed after the original lease. I have also spoke with the apartment complex to verify this amount as inaccurate but they have since changed management.I have made several attempts with the new leasing office to obtain verification of the amount and have been unsuccessful as all I am told is they are under new management I have also disputed this with the Credit Bureaus and National Credit System confirmed the debt as accurate.National Credit Systems did not contact me regarding this debt before placing it on my reports.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX 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 -DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX