23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2022, NATIONAL CREDIT SYSTEMS flagged my account as collections without any prior notification of the said debt. The original creditor did not contact me about the reported debt either. As I was not contacted prior to this action, I was not allowed to exercise my right to either dispute or agree on a payment arrangement for the said debt. I was also not given a chance to request evidence/proof of reported debt. 

I am therefore reporting the creditor and appealing for the removal of the reported debt from my credit report. 

Details of reported debt - NATIONAL CREDIT SYSTEM XXXX XXXX  XXXX XXXX, XXXX, GA XXXX ( XXXX ) XXXX Amount : {$1500.00} Original Creditor - XXXX XXXX  XXXX  Thank you.
Product: Money transfer, virtual currency, or money service

I am expecting a {$3000.00} bank transfer from Chase. I have a XXXX XXXX XXXX Account. The deposit is for identification replacement purposes, legal expenses, and miscellaneous expenses such as academic, real estate and other expenses like specific types property damage repair. Chase refused the transfer and banking services and would not let me access my own assets. The transfer is from a joint account with XXXX XXXX. XXXX XXXX already authorized the transfer and Chase attempted to cancel it. I would like to know why Chase is playing a grand larceny game again. They also give access to identity thieves like XXXX XXXX instead of approving a bank transfer to authorized parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

After analyzing my credit report, I am quite dissatisfied with the errors I discovered. These statements are unverifiable, invalidated, erroneous, and suspect.
Product: Debt collection

I have requested verification and validation of this debt per my right under the FDCPA secti on 809 ( a ) and ( b ). This company refuses to provide. I have also disputed that this debt is not mine yet  they continue to report a disputed debt on my credit which is a direct violation of the FCRA. I am aware I can seek actual and statutory damages if I choose to file a civil lawsuit against this company. I will be discussing this matter with an attorney. My name is  XXXX   XXXX  las t 4 of  my social are  XXXX  and my date of birth is  XXXX / XXXX /  XXXX  . I am demanding that verification of debt be sent to me. Also you must have a surety bond to collect in my state and your company is not bonded therefore you can remove this from all  XXXX  credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act account # XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX  XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX. Has violated my rights. 
15 U.S.C 1681 section 602 a states i have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Student loan

This is in regards to the student loan company Navient. 

On XX/XX/2018 I directed an overpayment on my smart option student loan in the amount of {$1200.00} using my one and only bank account set up with Navient. On XX/XX/2018 I received a letter from Navient stating that the payment was rejected by the bank because the account is closed, resulting in my loan not being paid off and an additional {$20.00} return check charge. On XX/XX/2018 I called Navient and spoke to a customer service representative with employee ID : XXXX and Supervisor with employee ID : XXXX. Both employees would not give me any further information on this mysterious closed account other than the last four of the account number ; which was different from my bank account number that is set up online. They told me when I made the payment on XX/XX/2018 that I had to manually enter in my bank account information when I did the " Direct an Overpayment '' ; which is FALSE and INCORRECT. ( see attached picture ). My one and only bank  account was already listed and available to use to pay off the loan. Never did I have to enter in ANY bank account information and NEVER have I ever used another bank account to make payments with Navient online. I only have ONE bank account to my name. So I do not understand where this mysterious closed bank account came into play. I was told that Navient customer support has no control over Navient online and that I basically had to get over it. At this time, I made a payment for {$1200.00} over the phone with the supervisor.
Product: Credit card

I reached out to this company and filed a dispute for a account opened without my consent the company did there investigation and replied to me they spoke to a female which stated she opened the account and referenced me so they held me liable for someone else requested another dispute this investigation resulted that a plane ticket was purchased with the card but they never did a thorough investigation to see if the tickets were in my name just a transaction on the account my Credit Rights and Civil Rights are clearly being violated
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep concern and frustration regarding the ongoing issues I have been facing in my attempts to remove fraudulent items from my account with 3 Credit Bureaus. Over the past several months, I have made multiple attempts to rectify the fraudulent items that have appeared on my account. These items are not authorized by me and are causing significant distress and financial hardship. Despite my persistent efforts, the situation remains unresolved. I believe it is essential to provide a brief overview of my attempts : I initially noticed the fraudulent items on my accountand promptly contacted your customer service department. I was informed that my case was under review and that I would be contacted shortly. To my disappointment, I had still not received any updates or resolutions. Kindly help me remove the following items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, issued by XXXX XXXX  and XXXX  of South Dakota, has been removed as a hard pull from both XXXX and XXXX at the request of XXXX XXXX ( see attached email from them ) but still appears on the Experian report.
Product: Mortgage

This is a dispute regarding claim XXXX. I received a XXXX package on XXXX/XXXX/XXXX, duplicate of XXXX package. Still no explanations. In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX my property taxes were assessed as a business instead of a residential property. It was a {$400.00} or more increase. XX/XX/XXXX, I paid XXXX in taxes. In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX my property was assessed as residential, this is when my PMI insurance went up. In XX/XX/XXXX my PMI was prepaid XXXX according to my HUD statement. XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX ( up XXXX ), XX/XX/XXXX I paid XXXX ( up XXXX ), in XX/XX/XXXX, XXXX ( up XXXX more dollars ). XX/XX/XXXX, XXXX. XX/XX/XXXX, XXXX. When my property taxes go down my PMI insurance goes up. This type of fluctuation deserves an explanation. I also have not received and explanation of the escrow shortages. Wells Fargo owned the property when I purchased it, it was over appraised at XXXX so FHA would insure it. My mortgage was executed@XXXX, in which it 's only worth. The property never had a clear title. The loan was not within FHA downpayment assistance guidelines. Wells Fargo did n't disclose the lien, but tried to hide their identify by transferring it threw XXXX XXXX XXXX. The lien was very apparent, but the property was continuously sold. My property have be reappraised and reassessed, sold, allegedly transferred, but never assessed, until five years later, which not executed by me. Enough is enough. You ca n't get my money and not give me and explanation on what Is going on with my loan. Still waiting on answers.
Product: Credit card or prepaid card

I have a big credit card bill with XXXX. I do make my payment every month on time. 
I made my XXXX payment on time but the bank release the payment late. Now I am charged a late fee of XXXX. I would like to be credited back the XXXX since I made the payment on time but the bank did not release the funds on time.
Product: Debt collection

Starting back in XXXX noticed incorrect reporting on my credit report. I since have repeatedly disputed erroneous collection accounts with XXXX and Equifax about an XXXX XXXX XXXX and Charter Communication debt I do not have any knowledge about. 
I called XXXX XXXX XXXX first and was told that no information on the account was found nor my name or social, so I asked why was it reported to the credit reporting agency and on my credit report, but then they turned around and said well maybe it was due to not returning equipment. Well, I explained that I never had the account in question. They said that there was nothing they could do because they did not have that account. I also had the same experience with Charter. I did find it strange but since I couldn't get proof that the accounts existed I got frustrated and left it alone. 
Fast-forward to XXXX I found out that Equifax had a data breach and I believed this was the reason for the erroneous collection accounts. I disputed the accounts through my XXXX XXXX account and nothing happened. 
Still to this day, I am suffering financially, and emotionally from these incorrect accounts mainly because they keep posting as new open dates on my credit report. I am still trying to understand my rights and which dispute letters are most effective. I am suffering from homelessness at the moment and could use my rights to obtain fair credit but I am not able to get anywhere with these companies. I did file an identity theft report though I can not prove how my information is being used other than the erroneous accounts that originally popped up in XXXX. 
These reporting agencies are getting paid for keeping us in debt and there is no way they should allow a debt collector to report information without proof but make it hard for the consumer to dispute it and remove it. I am suffering from this currently. I am homeless with a job and do not qualify because it looks as if the debt is new and not over XXXX XXXX XXXX. I did lose some documents in storage due to homelessness.
Product: Credit reporting or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of Inquiries that are still reporting on my Credit Reports : XXXX XXXX XXXX and XXXX XXXX  XXXX Please delete these accounts ASAP.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

XXXX Remove and delete Address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifax Remove Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

Hello, Using binance.us/en/buy-sell-crypto, I purchased XXXX. I bought over the course of several days and mistakenly incurred a " chargeback '' ; I thought I had more in my bank account with US Dollars than I actually had. I purchased XXXX without keeping track of my starting value in the bank account. I expected that the system would keep track well enough for me, as I was not making purchases more than once a day. That was an honest mistake and it was my fault. Binance.us locked my account, not allowing purchases or withdrawals until the chargeback was taken care of. No negative account was visible ; I had to contact customer support and wait over a week to find that the corrective action was to deposit {$5000.00} US Dollars. After learning this, I made two deposits, one of {$200.00} and another of {$4800.00}, which satisfied the requirement. My bank account shows that the money was sent to Binance.us. I contacted customer support and requested my account be unlocked. I followed up by replying to a support ticket email numbered XXXX on XX/XX/2021 stating that I had made the deposit and requested the account be unlocked. I have had no response and opened another ticket numbered XXXX on XX/XX/2021. Throughout this period of time starting with the first support ticket opening, I have attempted to contact binance.us support through twitter @ binanceushelp ( my account being @ XXXX ) to no avail.
Product: Debt collection

On XX/XX/2018, when I was XXXX in XXXX VA for my first XXXX XXXX, My account was locked due to suspicious activity. I was out celebrating about to purchase some food when my card was declined and I was locked out, I quickly called XXXX XXXX and they instructed me to come in to verify that it was actually me. My chain of command took me that following Monday to the branch and was told that my account was used multiple times in XXXX Illinois. I was stationed and attending my duties during that time. XXXXXXXX XXXX  then explained that if I stop paying any due amount that my account can go into collections, and will affect my credit-which consequently terminate my security clearance and could get me discharged from the military. I chose to keep paying due to my lack of knowledge of steps to take when there is fraudulent activity. During that time I spoke with police and filed an NCIS report because it was happening to other XXXX at the time. Fast forward to when I was released from the military XXXXXXXX XXXX  put my account into collections due to not having any fund to pay them. They eventually charged off my debt but it still remains in my credit report harming my chances of buying anything with credit. They eventually sold my debt to LVNV FUNDING LLC which continues to harm my credit to this day. I've tried to dispute it but due to XXXX and lack of information I have not been able to do it correctly. LVNV FUNDING LLC has also threatened to take legal action as an intimidation tactic. I also filed an identity theft report last year, and I have my report number if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In  XXXX  of   XXXX  , we applied at our local bank to refinance our home. Inaccurate facts were found on our credit report from Equifa x Information Services.  The inaccuracies were showing as fraud alert information. Our home address was listed as a hotel/motel and both of our SS numbers were questioned. We called and sent Equifax a letter in  XXXX  of   XXXX  . We did not hear back from them. These inaccuracies are hurting our credit score and keeping us from refinancing.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code XXXX since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX Bank account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested twice for credit bureaus to provide validation of debt, amounts and to include copy of original signed contract and to date no verification was received for services discrepancies with no verification received. 2 attempts made to Equifax information service XXXX XXXX XXXX XXXX XXXX GA XXXX the 1st letter sent on XX/XX/2022 certified tracking XXXX XXXX XXXX XXXX XXXX and 2nd attempt made XX/XX/2022 certified tracking XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Student loan

My servicer Navient keeps placing me into forbearance because I can not afford the large monthly payment of my loan. This is costing me about {$12000.00} per year in capitalized interest and that number continues to grow. I will never be able to afford the payment. The servicer has not offered me any other options. I believe the servicer has also incorrectly reported missed payments to credit bureaus. How would I have any missed payments if I have been in forbearance for three years?
Product: Credit card or prepaid card

-- -- -- -- -- Forwarded message -- -- -- -- -- : Complaint against Wells Fargo. 





This is a complaint with Wells Fargo Bank regarding my Visa Credit Card number. 


I don't have the exact dates for the first two times this same problem came up on my account but for the third time I do. 

On XX/XX/2018, there was a deposit into my credit card account for {$300.00} that was made in branch in cash. The number for that transaction is : # XXXX. I called the bank ( Wells Fargo ) and explained the mistake was not my deposit. Finally, on XX/XX/2018, the deposit was reversed and that transaction number is : # XXXX. This was the third time this same amount has been posted to my account in error and takes at least 4 - 6 weeks to resolve it. 

Now on XX/XX/2018, there was posted to my same credit card a " Payment Reversal '' in the amount of {$280.00}. The number for that transaction is : # XXXX. I have called the bank several times trying to get this resolved as this payment is not mine to begin with. I have no idea where it came from and why it is added into my balance. I have explained this in detail to several different people in Wells Fargo, at their customer service number : XXXX. Each time I have called this number and explained the issue, I am transferred to several other areas that are suppose to resolve this issue. I get the same response : Someone will get back to me and get this issue resolved as they recognize this is a banking error. 

I have yet to be called back, sent an email, or rectified my account with this {$280.00} payment reversal. The last call was on Saturday, XX/XX/2018 and I was assured I would receive resolution on XX/XX/2018. I have yet to receive that call and the {$280.00} payment reversal is still on my account.