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

XXXX XXXX XXXX XXXXXXXX THEY ADDED A LATE PAYMENT ON MY ACCOUNT THEN REMOVED IT THEN PUT IT BACK ON THERE AFTER I ASKED THEM TO DELETE THE ALLEGED LATE PAYMENT. I HAVE PROOF THAT IT WAS REMOVED BECAUSE MY SCORE WENT US XXXX POINTS THEN 5 DAYS LATER WITHOUT NOTICE THEY REINSERTED THE LATE PAYMENT WITHOUT GIVING ME A NOTICE. 


I am writing to formally dispute the reinsertion of a negative debt item on my credit report that had previously been removed. This action has not only negatively impacted my credit score but has also been executed without proper notification, in direct violation of the Fair Credit Reporting Act ( FCRA ). 
According to the FCRA, if any information is reinserted in a consumer 's credit report, the credit reporting agency ( CRA ) must notify the consumer in writing within five business days. This notification must include the date of reinsertion, the nature of the information reinserted, and a statement that the CRA will provide the consumer with a free credit report upon request. I have not received any such notification, which is a clear violation of my rights under the FCRA. 

Prior to the reinsertion of this negative debt, there was no evidence provided to me that verified the accuracy of this debt. Under FCRA Section 611 ( a ) ( 6 ) ( A ) ( i ), any item that has been removed after a dispute and is later reinserted must be accompanied by a certification of accuracy from the information furnisher. I request that you provide me with this certification, as my rights have been infringed upon due to its absence. In accordance with FCRA Section 611 ( a ) ( 7 ), I am entitled to request the method of verification for the disputed item. Given that this debt has been reinserted without my knowledge or any prior notification, I hereby request a detailed description of how the debt was verified, including the name, address, and phone number of each person who confirmed the accuracy of this debt.

1. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. 
XXXX XXXXXXXX XXXX XXXXXXXX Account XXXX : XXXX I WAS NEVER LATE ON THIS ACCOUNT AND THIS ALLEGED LATE PAYMENT WAS DELETED AND REINSERTED WITHOUT PROPER NOTIFICATION I DEMAND THEY REMOVE THIS ALLEDGED LATE PAYMENT IMMEDIATLEY FROM MY CONSUMER REPORT I HAVE PROOF WITH MY SCORE BEING AT A XXXX AFTER THE REMOVED THE LATE PAYMENT THE FIRST TIME. I HAVE NEW EVIDENCE AND I DEMAND BOTH COMPAINES TO REMOVE THIS LATE PAYMENT FROM MY CREDIT REPORT.
Product: Credit card

Last Month my Home Depot statement balance was {$1100.00} Statement ending date XXXX payment due XX/XX/XXXX That balance was the balances owed on four different charges under a XXXX percent interest special and listed below which totaled {$1100.00} {$93.00} {$550.00} {$390.00} {$99.00} I paid the {$1100.00}, why would one of the promo balances show a balance on next statement which I just got on XX/XX/XXXX? 

Last month I paid two payments before due date totally {$1100.00}. Payment # XXXX {$800.00} on XX/XX/XXXX, Payment # XXXX {$340.00} on XX/XX/XXXX Today XX/XX/XXXX I received my statement ending XX/XX/XXXX with payment due date XX/XX/XXXX Home Depot credit card services took my payment in full of XXXX for statement XXXX and due XX/XX/XXXX used {$82.00} of it to pay towards statement closing XX/XX/XXXX and not yet due at the time I made those payments til XX/XX/XXXX, instead of the current due and payable statement ( XXXX due XXXX. 

Instead of using my payment made in full to pay off balance of {$1100.00}, they are running a " balance '' on my promotional charges. EVEN though they received the FULL payment to pay off those balances in full. 

If a lawyer is reading this, feel free to contact me. I would be happy to explain further and I did my best to explain it. XXXX I have never had a credit card company allocate due and payable full payment to use part of it towards the next months statement charged not actually due yet. As you can see the credit company is playing a fraudulent unreasonable dishonest payment game in hopes, I do not pay off promo charges ( even though I have!! ) in time so they can charge me all the interest. I PAID OFF ALL MY PROMO charges last month. They are trying to make me carry a balance. Some one tell me, how one carries a balance? IF the TOTAL BALANCE DUE AMOUNT WAS PAID OFF IN FULL. 

I spoke with 3 Home depot credit card services reps and all understood the issue and all they said was " I understand, But this is how we do it. '' I asked what kind of account is that? When you are telling me that, the monies due for current statement, you are deciding to allocate towards next months statement that has not even closed yet nor the current statement due? None could give reasonable answer.
Product: Credit reporting or other personal consumer reports

The party Collection agency XXXX XXXX XXXX XXXX, Illegal furnished Information that I owed them an alleged debt, and I did not owe this agency anything. They are trying to extort me for an extension of credit, they do not have a legal right or license to collect in the state of Georgia they are located in North Carolina. I requested Validation proof of alleged debt and got nothing back but verification. I need proper proof this company has to right to collect this debt, including the original contract I made them XXXX XXXX XXXX XXXX and my signature. Transunion did show send me the documents that I requested from them how they verified the debt, what procedures were used nor original certification by the collection agency. 
Agreement with your client that grants XXXX XXXX XXXX the authority to collect this alleged debt. 
Proof you can collect the debt in the state of Georgia? 
Signed agreement the Debtor has made with the Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay the Debt collector.

Any agreement that bears the signature of the Debtor, wherein agreed to pay the Creditor.

Have any insurance claims been made by any creditor regarding this account?

Chain of title on debt?

Do you own the debt or is the debt assigned?

How much did your agency buy the debt for?

As a consumer I am exercising my rights and by law, I am requesting this information provided for validation of debt.
Product: Mortgage

My HELOC was transferred to Shellpoint after I made 2 payments to XXXX XXXX XXXX, first mortgage company. I was current on payments with them when the loan transferred. With Shellpoint I have paid every monthly statement balance in full on my account, starting in XXXX when they requested the first payment and so on since. Then on XX/XX/year> my account was assessed a charge of {$1400.00}, then on the same date, my account was credited the same amount of {$1400.00}. Then on the next statement that amount was listed as an outstanding fee owed. When I contacted Shellpoint via phone ( and chat ), I was told it was a posting error and was a credit and would be updated to reflect that, I was told I did not owe this amount. 

I followed up again in XXXX because this amount was not removed from my account. I have made several phone calls and have had numerous chats online regarding this, all while getting different answers. 

In XXXX I was told they did not know what the charge was, and it needed to be reviewed by the HELOC department, at that point I was given Case # XXXX and was told I would get a response within 7 days. I followed up for a status update at 7 days and was told it was still under review. I followed up again on XX/XX/XXXX and was told the case was incomplete and was closed. No communication was sent to me, nor did anyone attempt to contact me via phone. This is unacceptable, they reopened the case on XX/XX/XXXX, and I was told up to 9 days to get a response back. I followed up again today, XX/XX/year> ( just for a status update ) and was told it was under review and would take up to 30 days. 

This is unacceptable, you have placed a charge on my account, and nobody is able to tell me why. It is also preventing me from making any additional principal payments currently.
Product: Checking or savings account

XXXX - Four separate {$1000.00} electronic checks were deposited into my checking account from an unauthorized source. I contacted Navy Federal Credit Union on XXXX about those checks and made them aware that I did not deposit them and was not sure where they came from. 

XXXX - Navy Federal Credit Union closed my checking account. 

XXXX - They reassured me that all of the money that was originally in my checking account would be transferred to my new checking account. I was told that once the money ( {$1800.00} ) was transferred to my new account I would be able to continue to use my checking account as I normally do. 

XXXX - Navy Federal Credit Union transferred {$3700.00} total to my new checking account. This was the total of two paychecks in my account. 

XXXX - NFCU removed the 4 {$1000.00} checks from my checking account. 

XX/XX/XXXX - NFCU pulled {$2300.00} from my checking account to pay an " outstanding balance '' on my old checking account. I was never informed about this negative balance and I am not aware of how this checking account was drawn to a negative balance. 

XX/XX/XXXX - NFCU pulled {$1000.00} from our joint checking account to pay off an outstanding balance on my new checking account. This withdrawal was also not authorized and I was never notified that NFCU was going to be moving money from one account to another. 

XX/XX/XXXX - I contacted NFCU regarding the discrepancies in checks deposited/withdrawn and the negative account balance. I did not spend money to cause my checking account to go negative {$2300.00}, and I discussed this issue at length with NFCU and assured them that any transactions or money transfers were not done by myself or authorized by myself. NFCU refuses to provide me with information as to where this money was spent, when it was spent, and by who it was spent. NFCU tells me that there is nothing they can do and that I am responsible for the {$2300.00} that has been spent. In addition, NFCU removed {$1000.00} from our joint checking to pay off a negative balance that I did not cause. They have now misplaced {$3300.00} and they are telling me that there is nothing they can do and that I am fully responsible for their mistakes. I have made them aware that I fully intend to file a formal complaint and/or police report. 
XX/XX/XXXX - My wife transferred all remaining money ( {$2200.00} ) to her savings account to prevent any further losses from our shared account because we do not trust our bank. It is a shame to admit that we do not trust our financial institution to properly handle our money and defend us in the setting of fraudulent charges. 

*ALL copies of deposits, transactions and withdrawals from the accounts mentioned above can be provided upon request.
Product: Credit reporting or other personal consumer reports

To whom it may concern Please send me a copy of my consumer report and also freeze the report and do not share my information at any point in time permanently. Thank you. 
XXXX XXXX
Product: Credit card

The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.
Product: Payday loan

I was told their was XXXX intial fiance fee of XXXX they rest would be payments of XXXX on a XXXX loan so today would been last payment of XXXX ... they took XXXX and still said i owed XXXX so i called and talked to them they were jerks to me, and said you get charge XXXX fiance fee every XXXX wks unless u make bigger payments!! That was not how it was explained to me when i called and asked questions..Im not paying them another cent they got their money plus some. how can they lie and get away like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/2020 I sent a certified letter to XXXX XXXX XXXX Account No. : XXXX as well as the credit bureaus to validate the collection debt reflected on my reports. I asked them to provide the following items below for validation : An explanation of what this alleged account balance is for. 
A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
Documentation showing, I agreed to pay this debt The Agreement that grants authority to collect on this alleged debt. 
A copy of your state license, including license number. 

They have violated my consumer rights and failed to validate this debt at my request ; which is an FDCPA violation and they continued to report a disputed debt which is an FCRA violation. The FCRA requires the company and bureaus to verify the validity of this debt within 30 days. If the validity can not be confirmed, they are obligated by law to remove it from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORT ON XX/XX/2019 and XX/XX/2019 ON MY XXXX XXXX ACCOUNT. PLEASE SEE ATTACHMENT OF THE DISPUTED LATE PAYMENTS
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX 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 XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX 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 XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Student loan

I try to make sure that student loan account is current whether employed or not. I was not employed at one point encouraged to fill out for a forbearance period ( instead of a deferment so that I was not responsible for the interest accrued due to not having a job ). I explicitly stated that I did not have a job and I was encouraged to fill out for IBR. What the rep told me was that since I had no income or employment then I wouldnt have to pay anything. However, what they did not mention is I would be responsible for interest accumulated. In addition, studentgov sent the IBR form to other loan companies so those companies took my submission as permission to change those accounts. For example, if I was already placed in a forbearance or deferment status with another company, upon receiving my application, they would remove me from that status and place me on the IBR plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

This credit bureau is saying that I have two late payments on my XXXX account. Although my credit score is good this false late payment account is causing me to be denied. When I look at the XXXX account they are reporting two late payments from, They continue to deny my dispute and they dont take me seriously. I have never had aa late payment with my student loans. My loans have recently been forgiven as well. They seem to have separate each loan account and not put it into one. This is hurting my credit for credit because it says two late payments. The truth is I was always on an income driven repayment plan with XXXX. Even before my student loans were forgiven the balance was {$0.00}. When I try to call or dispute online they always give me excuses. this isn't a valid late payment and is an error. I am not sure why this company has this as late as that is untrue and very unfair. I have tried to fix this to no resolve and they refuse to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Early Warning, has broken the law-section 605B of the FCRA consistently XXXX since they 1st removed the XXXX account correctly, then reinserted it illegally without proper authority as provided in section XXXX subsection C of the FCRA. 
XXXX has never kept their word to contact me. Early Warning gets their contact information from ME. But Early Warning is wrongfully and illegally not investigating my claims at all. The police positively and absolutely CLEARED me of opening or maintaining the external accounts attached to my account with XXXX. 
It is these external accounts that caused the deficit with XXXX. Not me. But Early Warning is stupidly and arrogantly listening to XXXX and ignoring this fact. This is my MAIN claim to both Early Warning for reporting it still and XXXX, for not obeying the law and the police findings that I am cleared of those external accounts or anything to do with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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: Credit reporting, credit repair services, or other personal consumer reports

I spoke with some one from XXXX XXXX Capital One letting them know I never authorized nay card to be open in my name I asked XXXX if they could verify that I had applied for this card that they are reporting they stated the card was opened on line with my information I did not open this card and this. Closed account reporting is fraudulent, I have also had the same issues with Capital one I never opened any Credit card through their company they to stated it was an online opened account! During the time I was staying will people while attending school my identity was used I never collected mail from this home I learned of these cards through credited reporting.
Product: Credit card or prepaid card

On XXXX XXXX, i fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX ( a fake company ), with the design, development, manufacture, promoting, marketing, distribution, labelling and/ or sale of illegal and outright fraudulent " investment services '' all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of client losses to gains. 
Money was transferred from my account via credit card and through an intermediary named XXXX XXXX in the total amount of {$500.00} utilizing the Comenity Capital Bank. 
XXXX XXXX XXXX a fake company cleverly orchestrated a prevalent scheme of deception to lead people to invest significant sums while knowing that those would be investors would ultimately lose the money that they had entrusted to it. The overall purposes of the scheme in other words was to target and defraud people who are often in experienced and nave, in pursuance of illicit wealth through various fraudulent representations.
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX  XX/XX/XXXX
Product: Debt collection

They have been notified that I receive student loans and they are trying to garnish my student loans.