23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Original account was purchased by Pinnacle Credit Services LLC and they did not provide validation of debt. Attempted numerous attempts to get validation of the debt and was never provided validation of said debt. Pinnacle closed there doors and was purchased by another company named XXXX XXXX XXXX located in XXXX SC. The said debt has been reported to the credit reporting agencies with inaccurate information stating opened in XXXX of XXXX and the original delinquency was in XXXX. Requested a Cease and Desist verbally and the agent refused to acknowledge stating that they only acknowledge cease and desist in writing.
Product: Credit card or prepaid card

Very similar to Case # XXXX but with different details of course. 
On XX/XX/XXXX I deposited a promotional offer check for {$7500.00} with a 3 % fee and 0 % promotional APR expiring XX/XX/XXXX. 

On XX/XX/XXXX I deposited a promotional offer check for {$6000.00} with a 3 % fee and 0 % promotional APR expiring XX/XX/XXXX. 

On XX/XX/XXXX I deposited a promotional offer check for {$5300.00} with a 3 % fee and 0 % promotional APR expiring XX/XX/XXXX. 

So I had 3 promotional balances. The last one expired first. 

On XX/XX/XXXX, two days before the promotional APR balance of {$5400.00} was schedule to expire, I made a payment of {$5400.00}. That was meant to clear the balance that was to expire first. The payment was allocated to the promotional balance that was scheduled to expire on XX/XX/XXXX. 

The XXXX statement shows an {$88.00} interest charge on the balance that expired on XX/XX/XXXX amd no balance for the portion meant to expire on XX/XX/XXXX. 

I called Bank of America and their rep, XXXX, explained that their policy is to allocate the payment to the balance that started first, ( which still had two months left at 0 % ) and not to the balance that was expiring first ( which was in two days ). 

This is not explained anywhere on their offer. It also makes no sense. If I would have waited until the balance expired I assume it would have allocated correctly according to law. 

This was not acceptable. I asked to be called by a supervisor, but received no call as of yet. 
I have since scheduled a payment for the interest accruing balance, but do not know the final amount I will be charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit report is showing a Discover Personal Loan with an outstanding balance of {$6400.00} whereas the loan is paid off with a XXXX balance.
Product: Debt collection

In accordance with The Fair credit reporting act account name XXXXMIDLAND CREDIT MANAGEMT has violated my rights. 15 USC 1681 section 602 States I have a right to privacy. 15 USC 1681 section 604 A section 2 States a consumer reporting agency can not furnish any account without my written instructions. 15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This company keeps updating my info plus {$1.00} minus {$1.00} making my credit score go down every time. This company said there deleting this and it's still on my XXXX report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX    ran a credit check on me without my consent.    XXXX   XXXX   2017
Product: Debt collection

I sent my first attempt for debt verification XX/XX/XXXX asking to provide me with proof of a signed signature with Diversified Consultants which they failed to provide. I sent a second attempt for debt verification on XX/XX/XXXX asking again to provide proof of a signed signature with Diversified Consultants since they are the reporting agency on my credit report. The negative information was removed but then later reinserted between XX/XX/XXXX and XX/XX/XXXX according to XXXX XXXX and XXXX XXXX credit monitoring services. I sent a third attempt for verification sent on XX/XX/XXXX also informing them that reinserting negative information on credit files is illegal and asked to have the negative files removed since they failed to provide proof of my signature with Diversified Consultants. I finally sent them a letter which would be my final attempt on XX/XX/XXXX informing them of the actions I have to take since they're doing illegal practices.
Product: Consumer Loan

In 2005 I got a loan from XXXX XXXX. I paid every month, never missed a payment. After a couple of years, with life events, the balance got maxed out at {$14000.00}. When i started with them, the payment was {$75.00} and eventually got up to {$260.00}. I never missed a payment. They sold my account to someone else and than finally sold it to Springleaf Finance. I never, in all those years missed a payment, with any of the company's.I did have to file for a hardship recently due to the fact that my Pensions took a hit when I turned XXXX. Springleaf agreed and helped me with a lower payment and a lower % rate. I have never missed a payment with them. After 10 years of paying and never missing any payment, my balance has gone down by {$50.00}!!!! It has never gotten below {$13000.00} and at times has gone above the {$14000.00} max. How can that possibly be legal. I will be turning XXXX in a couple of months and I had expected to have this paid off by than, but the balance has never gone down. I have n't used the account in years except to pay the payment. Do I have an recourse with this? Should I hire an Attorney?
Product: Credit reporting, credit repair services, or other personal consumer reports

These inaccurate addresses that reporting without my consent or approval i am 100 % sure these addresses is not mines ( XXXX XXXX  XXXX XXXX, XXXX XXXX, Fl XXXX ( Remove immediately/ Unauthorized item ) I never lived here. 
XXXX XXXX XXXX XXXX  XXXX XXXX, Ma XXXX ( Remove immediately/ Unauthorized item ) I never lived here. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX - XXXX XXXX XXXX XXXX , FL XXXX XXXX inaccurate ) Must correct address - XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX UNAUTHORIZED address/ I never lived here ( REMOVED AND DELETE ) ( 6 Accounts reporting ) US DEPT OF ED/XXXX  6 Unauthorized ACCOUNTS Open XX/XX/XXXX This company is reporting Multiple times on my report and reporting inaccurate information/ account is reporting 41 potentially Negative Months. In which it is very strange because i didn't give this company permission to run my credit and issue out credit or etc. 

XXXX XXXX XXXX Open:XXXX Balance updated : XX/XX/XXXX XXXX XXXX Original Balance : {$17000.00} Balance : {$20000.00} CLOSED ( 51 POTENTIALLY NEGATIVE MONTH ) INACCURATE This account is outdated. Passed 7 years old. ACCOUNT IS REPORTING INACCURACY. This account is reporting information without my written consent. It is illegal to report late payments 15 USC 1681a ( d ) ( 2 ) ( A ) ( ii ) / 15 USC 1681a ( d ) ( 2 ) ( B ) 15 usc 1691 denial of credit SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA 15 U.S. CODE 1681n Civil Liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability. 
ACTION : Remove immediately/ DELETE ACCOUNT. 


( COLLECTION ) XXXX XXXX XXXX Account # XXXX Open:XXXX INACCURATE original balance : {$610.00} Debt buyer Balance updated : XX/XX/XXXX ( inaccurate/ VIOLATION ) XXXX XXXX XXXX /Original creditor : XXXX XXXX XXXX  XXXX XXXX Account XXXX XXXX Open:XXXX UNAUTHORIZED original balance : {$1200.00} Debt buyer : Unauthorized ( VIOLATION 3rd party ) 15 USC 1682 XXXX /Original creditor : XXXX XXXX XXXX XXXX  Account # XXXX Open:XXXX COLLECTION original balance : {$640.00} UNAUTHORIZED Debt buyer : Unauthorized ( VIOLATION 3rd party ) 15 USC 1682 - Validation of Debt ( documents of signature in ink and contract ) XXXX XXXX XXXX/ Original creditor : XXXX XXXX XXXX XXXX Account # XXXX, Account # XXXX Open : XX/XX/XXXX, XX/XX/XXXX 2 COLLECTION same company ( IDENTITY THEFT ) ( Duplicate ) XXXX XXXX. 
VIOLATION UNDER CONSUMER LAW. 
NOT MINES OR HAVE ANY OBLIGATION
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the following incorrect information on my report that I need removed. 

Transunion - XXXX XXXX - this name does not beloing to me XXXX XXXX XXXX XXXX XXXX this address does not belong to me XXXX, GA XXXX XXXX  - XXXX XXXX XXXX - this name does not beloing to me XXXX XXXX XXXX - this name does not beloing to me XXXX XXXX XXXX - this name does not beloing to me XXXX XXXX XXXX XXXX - this address does not belong to me XXXX, GA XXXX XXXX XXXX XXXX XXXX - this address does not belong to me XXXX, TN XXXX XXXX  - XXXX XXXX XXXX - this name does not beloing to me XXXX XXXX XXXX - this name does not beloing to me XXXX XXXX XXXX - this name does not beloing to me XXXX XXXX XXXX XXXX - this address does not belong to me XXXX, GA XXXX Please update and delete on my XXXX, XXXX, and Transunion reports accordingly. After numerous reuqests of being ignored I demand that they be deleted immediately.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX & EXPERIAN Executive Management : Please note this is my third communication in attempt to resolve erroneous and aged trade lines from my Experian credit file demanding immediate contact from Experian Senior Management to aid in the removal of these erroneous and aged ( older than XXXX years ) trade lines immediately. 

I write again today as a highly distressed, XXXX U.S. Consumer, after recently reviewing my credit report and noting an egregious amount of misinformation on my credit report most of which are now in dispute per tradeline. You will note my distress, when upon pulling my credit on or about XX/XX/XXXX, I noted several unauthorized accounts reflecting on my credit report, as well as several accounts at or near the legally required Age-off ( XXXX years ), which are still reflecting on my Credit File. My emails and requests for urgent assistance continue to go ignored, meriting immediate and direct contact at this stage! 

To date, please be advised that I have requested the removal of several ( XXXX ) either unauthorized or inaccurate items reflecting on my Credit Report including but not limited to : I. Multiple erroneous collection accounts ( XXXX XXXX XXXX, XXXX XXXX, etc ) XXXX. Multiple accounts which are past due or nearing the legal requirement for aging off of my report ( XXXX years ) : XXXX Accounts, XXXX, and several collection accounts per original creditors Date of First Delinquency ( XXXX ). 
XXXX. Multiple unauthorized inquiries related to auto loans, between XXXX - XXXX, XXXX. 

Please contact me urgently and immediately to aid in the immediate removal of the aforementioned items in question, prior to commencing a Grievance with further regulatory agencies. 

Please be advised that it is grossly unacceptable that Experian continues to arbitrarily deny my disputes and request for removal of these items, pursuant to FCRA & FDCPA. This matter is extremely time urgent, and merits urgent remediation at this level prior to any and all aforementioned Civil and Consumer actions. 

Thank you for your immediate response & commitment to resolution at this level.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian shows XXXX  XXXX XXXX XXXX as write off on my credit report and I made a agreement with the collection company to pay it off for XXXX. Both other credit agency have removed it. I have did to disputes with experian and gave them proof it was paid off and it still on my credit,.
Product: Debt collection

I was contacted by mail by Dynamic Recovery Solutions on XX/XX/2021 about a debt which the original creditor is XXXX XXXX XXXX XXXX for XXXX and reference number:XXXX, and the current creditor mentioned is XXXX XXXX XXXX. They have received a mail from me requesting the validation of the debt on XX/XX/XXXX, but failed to provide to me the information requested which is considered as a violation of my rights because it has been more than 30 days since they got my letter. Not only they failed to respond to my request that I gave them 30 days to reply to and to delete the debt if they can not validate it, but also the amount and the status mentioned in the letter are not the same as what is in my credit report. They did not even change the status of the debt as under a dispute. I am now requesting a deletion of this debt since it can not be validated and some information dont match. 
Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

My loans have always been deferred and I have never had to make a payment because of my income. I have always sent my paperwork in on time but they have reported to all 3 credit bureaus that I was 120 late in XX/XX/XXXX and XX/XX/XXXX for the exact same months. Other than that they have been in good standing and are now consolidated but the delinquency to no fault of my own is hurting my credit.
I need to know why anything was done retroactive when paperwork was sent in correctly and on time. I want to know from the beginning of XXXX  taking over from XXXX XXXX  when my loans were actually due each year for renewal of deferment etc.
Product: Checking or savings account

In XX/XX/year> I opened a XXXX XXXX XXXX account with Capital One and deposited {$50000.00} as the initial deposit. With an APY of 3.8 and an interest rate of 3.735. After the first month interest paid was {$110.00} but when calculated interest paid should be {$150.00} this is extremely misleading and deceitful practice and I would like to be reimbursed the difference and be reassured this will not happen again.
Product: Credit reporting or other personal consumer reports

There are multiple late payments incorrectly reported by these creditors to TransUnion, which is deeply frustrating. These payments were made on time, yet they continue to appear as late on my credit report. This inaccurate reporting is unfair and is negatively impacting my credit score.
Product: Credit reporting, credit repair services, 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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX 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 an 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: Debt collection

I placed an order for a rifle scope on XXXX XXXX for {$1600.00}. XXXX XXXX shipped me a much cheaper scope than the one that I ordered. I made a return request for incorrect merchandise received and my return request was approved. I was advised that I would be refunded once the scope was received. The scope was received by XXXX XXXX according to the return tracking and I was never refunded. I disputed the charge with my credit card company as returned merchandise and I won that dispute. At this point XXXX XXXX set up a collections account with Kross Lieberman and Stone for {$1600.00}. This is a debt that I do not owe. 

I disputed the debt through the three major credit bureaus. I continued to receive harassing phone calls from Kross Lieberman and Stone, and received threats of lawsuits and threats of damage to my credit score. The collections account was ultimately reported on my credit report and has significantly damaged my credit score for nearly a year.
Product: Mortgage

My name is XXXX XXXX and I am currently the owner of residence address XXXX XXXX XXXX XXXX, XXXX XXXX, Ca XXXX. My loan is with Citibank. The loan number is XXXX. I have been trying to get a loan modification with Citibank and we were almost successful with it. The loan modification that Citibank tried to give me was tremendously high. Citibank tried to charge me {$750000.00} for a condo that market value was {$300000.00} on XXXX/XXXX/2015. My monthly payments were going to be {$3000.00}. I would love to stay in my home but I think it is unfair for me to pay more than what the fair value market is. Citibank valued the property at {$300000.00}, please see attachments.
Product: Debt collection

I recieved an email stating that I made a large payment for some purchase on an item and that said item is being shipped to me. All that was tied to the email was a phone number, price amount, and tracking number. No customer service, email, or website to reconnect to. a phone number with an ID number to the product I " bought '' and some tracking number. 
I apparently was charged on my PayPal account, which is linked to my bank, " XXXX XXXX '' however, I did not see a charge for anything on my recent visit there. All of these expeirnces happened today XX/XX/year>
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ), to conduct a reasonable reinvestigation of dispute information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Finacial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided. causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit card or prepaid card

XXXX sent me a credit card which i did not apply for. I called them and cancelled the account. They said that my social security number was used.
Product: Credit reporting or other personal consumer reports

Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and it you are unable to provide me a copy of verifiable proof, you must remove the account listed below. I demand that the following account be verified or removed immediately : 109 1. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Delete these items immediately BMOHARRISBK BALANCE {$2500.00}
Product: Checking or savings account

On XXXX XXXX, 2023, I stopped at Webster ATM to withdraw money from my checking account. The slip said invalid transaction. I physically went to the bank to ask why I could not take my money out. I was told that checks were stolen from my account. 
They froze my account, asked why I was not notified about this. After several days of going back and forth, was told you need to talk to Management. The bank says the Webster fraud called our landline. I called the fraud line, they apologized for not leaving a message on our answering machine. We were not home, at XXXX office. 
In the meantime if I had not gone into the bank to find this out. I would have continued to write checks and continued thinking everything was good. On XX/XX/XXXX they closed account and issued new a new one. Told we would get new cards 6-7 days new checks about 3 weeks. In the meantime bills were late. Because we were never informed of this happening. Webster should be held accountable for any late fees. XXXX fraud lines told how to leave messages?
Product: Credit reporting or other personal consumer reports

Santander Bank has reported late payments on my credit report, some of which are inaccurate or unverifiable. Even if certain payments were late, Santander Banks reporting practices violate federal laws, including XXXX XXXX Code XXXX ( XXXX ) ( XXXX ) ( Fair Credit Reporting Act ). 
Santander Bank has failed to demonstrate permissible purpose under the FCRA to report my account details or alleged late payments to the credit bureaus. According to XXXX XXXX XXXX XXXX, creditors must ensure they have proper authorization and follow strict guidelines when sharing consumer data. Failure to prove permissible purpose makes their reporting of late payments unlawful. 
Under XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Santander Bank has also failed to investigate and resolve potential billing errors before reporting negative information. I was not properly notified of these alleged delinquencies, nor was I given an opportunity to dispute them before damaging entries were made on my credit report. 
The reported late payments are inaccurate, incomplete, and unverifiable. Santander Bank has not provided documentation to validate these claims and is therefore in direct violation of XXXX XXXX XXXX XXXX, which requires reporting agencies to remove unverified or disputed items within 30 days. 

This negligent and unlawful reporting has caused severe damage to my XXXX XXXX, financial standing, and personal opportunities. Santander Banks failure to follow permissible purpose guidelines and their disregard for my consumer rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021