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

This is my THIRD DISPUTE regarding the same accounts that are fraudulent and does not belong to me and still showing on my credit reports The accounts need to be deleted from my credit report immediately. Once again this is affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Accounts listed below : CREDIT COLLECTION SERVIC # XXXX XXXX  XXXX  XXXX # XXXX XXXX/XXXX  # XXXX XXXX XXXX/XXXX  # XXXX
Product: Debt collection

The company Kimball Tirey & St John has committed multiple violations of the Fair Debt Collection Practices Act and of the Fair Credit Reporting Act.

They refuse to abide by federal regulations by reporting inaccurate information, failure to verify the accuracy of the original debt amount, willful failure to provide a validation letter along with original documentation with my original signature showing that the alleged debt is mine & accurate, as well as documentation showing that they are legally allowed to collect the alleged debt.

They have reported false and inaccurate information to XXXX, XXXX, & XXXX and have refused to provide any type of documentation to show that the debt is valid and/or that the amount they claim I owe is correct. 

In XXXX of XXXX I moved out of my apartment unit at XXXX XXXX XXXX in XXXX XXXXXXXX XXXX after a dispute that was settled in court. The management firm for XXXX XXXX apartments, XXXX XXXX XXXX, illegally kept my security deposit, charged me for repairs that were not needed and/or necessary to justify keeping said security deposit, and continued to bill me for rent through XXXX to XXXX of XXXX. 

In XXXX of XXXX, Kimball Tirey & St John put on my credit report that : Date Opened : XX/XX/XXXX Balance : {$31000.00} Balance Updated : XX/XX/XXXX Original Balance : {$12000.00} Terms : 1 months All of the information is inaccurate. I have never received a Validation Letter regarding this debt. The amount they claim I owe has never been provided to me, nor have I ever been given the opportunity to dispute the validity of this amount. They said that my account was opened on XX/XX/XXXX, which is 2 years and 2 months after I moved out. Both the Original Balance and Current Balance are incorrect. I have never received any type of documents to show that either amount claimed is valid and that increasing the balance from {$12000.00} to {$31000.00} in 1 month is legal & justifiable.
Product: Credit reporting or other personal consumer reports

Pursuant to section 623 of the Fair Credit Reporting Act ( FCRA ), this company MUST remove this item of information from ALL consumer reporting agencies if the furnisher of information has reasonable cause to believe that the information is inaccurate or if the disputed information is found to be inaccurate, incomplete, or unverifiable. I have been going back and forth with this company and they claim to comply with the FCRA however, even with undeniable proof ( exhibit a ) of consumer reporting agencies unable to verify the account and deleting it, XXXX is still willfully violating the FCRA by keeping the item of information on a consumer report. Section 623 ( b ) ( D ) and subparagraph ( XXXX ) ( ii ) states that a data furnisher must report those results to all other consumer reporting agencies to which the person furnished the information. XXXX did NOT do that and please keep in mind that Consumer Reporting Agencies promptly notify the furnisher of the information that the information has been modified or deleted from the file of the consumer as stated in 15 U.S. Code 1681i ( a ) ( 5 ) ( A ) ( XXXX ). I demand that XXXX deletes this item of information on ALL consumer reports and compensate me for these damages. Please see attached documents that support my claim.
Product: Credit card

Beginning in late XXXX of XXXX  and early XXXX of XXXX. My social security number was compromised. Someone had compromised my SSN and had gained access to both my Discover credit card account information and my XXXX account information. 
My Discover card was stolen, so I think whoever took my credit card was the one to gain access to my SSN. Long story short, the fraud first started to occur in my XXXX savings account, which had over XXXX in it. XXXX is saying that it is not fraud and it was me making all of those transactions, which is false. They have requested information about the social security issue, which I plan to submit to them. They have closed the savings account where the fraud took place and opened a new one for me. They credited me about XXXX in provisional credit during the investigation but just recently took that back. So now my savings account is at negative XXXX XXXX when in the beginning of the summer it was close to XXXX XXXX. 
The main problem is not being able to receive my money back in my XXXX savings account. 
The other problem is with my Discover credit card. Fraud was also occurring on the credit card since it was not in my possession and it was tied to this social security issue. Keep in mind whoever stole my SSN was claiming me on their taxes as well. I file as an independent. 
There was more than XXXX XXXX dollars worth of fraud on my Discover account. I originally filed this dispute in late XXXX or early XXXX they reversed all fraud transactions on my account, and my account was at a balance of negative XXXX. They also closed my account due to how much fraud there was. I then inquired with Discover to get a check via mail with the amount of negative balance since they closed my account, and i would not be able to use that money in the future. 
They never got back to me on my request and instead, put all the fraud charges back on my account. I called last week, and they said that I could open up another appeal about the fraud however, that was denied. Discover verbally admitted that this fraud dispute was fraud, they never said it wasnt. It was only when I requested a check that their opinion started to change. 
Now, they are saying I have to involve the police to move forward on my claim. 
The places where the charges were made are not even in the same location as where I was then. 
Discover is not making any effort to get me my money back. However, XXXX is making minimal effort to understand what's going on. 
I am a XXXX XXXX and this was the life savings I have been saving for the past 5 years. It's extremely difficult to deal with this.
Product: Credit card or prepaid card

I was approved for an Aspire credit card with a {$500.00} limit. Im trying to rebuild my credit and basically just got the card to use in emergency and increase my available credit. I paid {$99.00} annual fee the day I got the card. Card has a XXXX  balance. I attempted to use the card today for the first time at instacart to order groceries. Card was declined several times. I completed purchase with my XXXX  XXXX card and called customer service. I was told their system deemed instacart as unsafe and will not allow the purchase. I said so if im out and have car trouble and you don't like where im using the card for help I have to worry the card will be declined. She replied yes thats correct. I emailed them to cancel my account and I want the {$99.00} fee refunded. I havent even had the card 1 month. This company is predatory and uses people trying to build credit
Product: Credit card or prepaid card

I almost died three years ago and I had to go into hardships program with my Walmart Cards. I have been paying my payments got it down to XXXX on one and XXXX on the other then I go into pay and shows XXXX  and capital so I hit on the XXXX as usual set up my monthly payment that was agreed on XXXX a month on each card no interest set for a number of months still paid off. Then I get a letter from Capital One. But when I saw both of the companies listed I called to find out what was going on. The one I make the payment to said it will stay with XXXX. Today, I received 2 letters about each card going to Capital One. So I called Capital One and they said until the XXXX they would be able to see the account coming over but I said my account is closed but I am in a hardship program with the other bank. She said it would still be coming to Capital One and they would have to renegotiate my program. That is a bunch of XXXX because Capital One will not let you be in a hardship program without some interest. They are robbing the comsumers that are financially broke but still want to pay what they owe and not go into a debt settlement program by a company and they make money off of you. This is not right. I had to pay the balance because I got scared about these cards going to capital one. And I was lied to 3 or 4 times. These credit cards companies are getting rich off of people and no wonder there is so much credit card debt because the cost of living is killing our society that are normal. people. I am on a fixed income of Social Security and never went on disability which I should have and worked all my life to end up with nothing. I can't work I am now XXXX years old in bad health. But you need to know how Walmart has done there customers with this credit card situation and jerking them around. That is what a lot of them are doing and these Cable companies are outrageous. They cut your programs you watch due to a conflict and then they still charge the same amount. XXXX and XXXX XXXX are the worst. This put me in a bind to pay those cards off but I had no choice because of what Walmart Credit Services did on Changing to Capital one. Just a scam to get people to get a new card with Capital One.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

I have the same bill on their XXXX and I have student on there that still say open that 's been on there since XX/XX/XXXX and XX/XX/XXXX alot of my school loans are over my 7 year thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report thru Equifax and I saw that there is a collection from XXXX XXXX XXXXXXXX. I contact them and asked them to verify. XXXXXXXX XXXX XXXX said that the balance is XXXX and it shouldnt be there. Equifax is saying when I disputed that I owe a balance because they verify it. I have no idea who XXXXXXXX XXXX XXXXXXXX is and it shouldnt be on my report. This who thing has been a nightmare and its affecting me personal and financially. Please removXXXX XXXX XXXX XXXX from my credit report.
Product: Checking or savings account

Today is XX/XX/year>. I called capital one back today like the requested. They are still not able to verify the check they said. My lawyer supplied them with the phone numbers of the defendants attorney to verify the check. Capital one stated they have to speak to the person who issued the check. The check was issued by a XXXX XXXX not a person. Capital One has stated the check will remain on hold until they speak to the remitter to verify the check is all good those were the agents words who I spoke to today. I let my lawyer know capital one doesnt care that I signed an NDA they have to speak to the remitter. I know that by law they can not keep my check on hold beyond 5 business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : 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 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

o Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Current Address ( es ) : XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX, MI XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX 3. The status is incorrect for the following account XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

4. The Late Payment Status is incorrect. 
XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

5. Validate inaccurate/reported late payments. 
XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

6. Validate Account XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

7. Validate inaccurate/reported late payments. 
XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a promotional offer from XXXX XXXX to terminate my current lease by buying or leasing a new XXXX model. There were also several coupons for services to choose from if you took a XXXX for a test drive. On XX/XX/XXXX I went to XXXX with the intention of purchasing a vehicle, but after the air conditioning didnt work on the test drive vehicle and a payment plan couldnt be agreed upon, I left in my current lease. Without my consent or knowledge, XXXX XXXX issued a hard pull on my credit which is effecting my credit score. As I did not initiate a new lease or purchase I dont see why they should have pulled my credit especially after the sales man assured me my interest rate would be low when I verbally told him my credit score.
Product: Credit card

On XX/XX/2024 I received an email offer to earn XXXX Shop Your Way points if I spent {$1000.00} online using this card between XX/XX/2024 and XX/XX/2024. I immediately enrolled in the offer and spent a total of {$1100.00} across XXXX transactions in that time period. 

Citi did not post the bonus to my account and it took several secure messages and phone calls to even get to the department in charge of these offers. They told me that XXXX purchases did not qualify as online purchases, even though this is not stated in the offer description or disclosures. XXXX is one of the most commonly used online payment processors and the purchases were entirely made with online/eCommerce sites. This is a typical bait and switch promotion on a card charging over 30 % APR. 

The online transactions I made are listed below and my statements are attached along with the marketing communication received. 

XXXX XXXX - XXXX XXXX XXXX XXXX WA XXXX {$50.00} XXXX XXXX - XXXX XXXX XXXX XXXX CA XXXX {$7.00} XXXX XXXX - XXXX XXXX XXXX CA XXXX {$86.00} XXXX XXXX - XXXX XXXX XXXX NY XXXX {$96.00} XXXX XXXX - XXXX XXXX XXXX CA XXXX {$53.00} XXXX XXXX - XXXX XXXX XXXX CA XXXX {$54.00} XXXX XXXX - XXXX XXXX XXXX CA XXXX {$32.00} XXXX XXXX - XXXX XXXX  XXXX IL XXXX {$43.00} XXXX XXXX XXXX XXXX XXXX  XXXX NY XXXX {$300.00} XXXX XXXX - XXXX XXXX XXXX XXXX CA XXXX {$38.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX {$72.00} XX/XX/XXXX XXXX XXXX XXXX XXXX CA XXXX {$120.00} XX/XX/XXXX- XXXX XXXX XXXX AZ XXXX {$89.00} XX/XX/XXXX XXXX XXXX XXXX CA XXXX {$68.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. 

DEPTEDXXXX XXXX {$0.00} US DEP ED XXXX {$0.00} US DEPT ED XXXX {$4000.00} DEPTEDXXXX  XXXX {$2700.00} XXXX XXXX   XXXX {$1100.00} XXXX XXXX XXXX {$1600.00} XXXX  XXXX {$0.00} US DEPT ED XXXX {$3500.00} XXXX XXXX XXXX {$4200.00} XXXX XXXX XXXX XXXX {$5800.00} XXXX XXXX {$920.00} DEPTEDXXXX XXXX {$1200.00} US DEPT ED XXXX {$2500.00} DEPTEDXXXX XXXX {$20000.00} XXXX XXXX XXXX XXXX {$18000.00} XXXX XXXX XXXX XXXX {$33000.00} XXXX XXXX XXXX {$1800.00} US DEPT ED XXXX {$8500.00} XXXX XXXX {$430.00} DPT EDXXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX {$8500.00} XXXX XXXX XXXX XXXX {$12000.00} XXXX  XXXX XXXX {$320.00} DEPTEDXXXX  XXXX {$9400.00} BANKRUPTCY CHAPTER XXXXDISCHARGED XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I noticed I have 4 late payments being reported by XXXX XXXX XXXX I notice the late payment was reported in XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please note I have excellent payment history with is copy and has never been late. From my history of never being late, this is an oversight on behalf of the client. Please note this report is a violation of my consumer rights. These late payments were reported during COVID 19, there was no grace given due to a pandemic happening. Please understand as a consumer my rights were violated by the reporting of these late payments. I would like these late payments to be removed and cleared from my credit profile. 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Consumer Loan

I have a loan for a XXXX XXXX XXXX with Exeter finance. I have found a payment of XXXX dollars dated XXXX XXXX for which my account was not credited. Also I am not able to ever get a breakdown on how much of a payment went toward principle, it is very difficult to get answers from their Customer Service I have in times past spent hours trying to determine why my payoff remains so high.
Product: Debt collection

On XX/XX/2019 I contacted collection agency ERC to ask them to validate the debt they kept reporting. I have given this collection agency way past 30 days to respond and provide me with the information or proof that the account was mine. They have yet to validate this information to me. I also have the attachment of where I sent and asked this collection agency for proof.
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFO WAS RELEASED TO THE PUBLIC VIA THE EQUIFAX AND XXXX DATA BREACH. AS A CONSUMER I HAVE A RIGHT TO PRIVACY AND WOULD REALLY LOVE FOR YOU TO REMOVE EVERY ACCOUNT THAT WAS OPENED WITHOUT MY CONSENT. I UPLOADED PROOF OF THE FTC REPORT AND EQUIFAX DATA BREACH
Product: Credit reporting or other personal consumer reports

This is my 5th request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX Balance : {$560.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$160.00} XXXX  XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

To whom it may concern ; I am extremely disappointed in the service I have received from XXXX XXXX at Lakeview Loan Servicing LLC -subservicing by XXXX . From his lack luster responses, attitude and basically threatening to remove my refi application just because I asked to talk to a supervisor about a better rate since the Fed had cut the rate and I am getting offers in the mail that are much better and sent him a screen shot of one of these offers over the mail. The fact that he refused to transfer me to a supervisor, threaten to remove and probably did my application, and offered a way over 4 rate, when the rates are at 3+ %, makes me believe this institution maybe conducting in a predatory lender way and should be investigated. Please help. I am an existing customer and the loan in question is Loan Number : XXXX. 

The service office and name of the threat making rep that was handling my refinance : XXXX XXXX Mortgage Loan Originator,  NMLS # XXXX Any help is appreciated. 

 Thank you! 

 Best regards, 
 XXXX