23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have requested validation of debt in writing on XX/XX/XXXX and no response. Statue of limitations of XXXX has expire ( last payment date is XX/XX/XXXX ) they are reporting a zombie debt and have ask in writing to delete it from my credit and no response on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that I had a collection from XXXXXXXX XXXX XXXX XXXXXXXX ( account # XXXX ) on all my credit reports in XX/XX/XXXX. I sent letters to XXXX ( which had Portfolio Recovery Associates ( PRA ) address ) and the 3 major credit reporting agencies for debt validation of the account. I mailed my first letter to PRA on XX/XX/XXXX, and mailed a letter to XXXX, XXXX, and XXXX  on XX/XX/XXXX. I received a letter from PRA with XXXX XXXX statements, but my credit reports show the account was XXXX and just opened my first XXXX XXXX charge account in XXXX which has never been late. I sent another letter to the credit reporting agencies and PRA that was notarized that the data wasn't correct and to revalidate it. All the credit reporting agencies came back as validated and PRA responded with a letter dated XX/XX/XXXX that the dispute alleges no new facts, so they will not respond to my request. 

XXXX shows PRA as the original creditor, but XXXX and XXXX  show XXXX as the original creditor and XXXX is also listing XXXX as a Factoring company which PRA is not and now PRA is showing a payment history of Failed to Pay ever month since I sent the first debt validation. 

XXXX is shown as the original creditor on 2 of the 3 credit reporting agencies and after calling XXXX on XX/XX/XXXX, they had no knowledge why PRA is using their name since they said that PRA no authority to report as XXXX. 

Portfolio Recovery is knowingly reporting false information to the credit reporting agencies, which is damaging my credit rating. 

Here are the issues with my credit reports : PRA is false representation themselves as XXXX without authority from XXXX PRA is listing as a Factoring Company when they are legally a Debt Buyer PRA is now showing a payment history in retaliation to my debt validation in XX/XX/XXXX PRA is listing One Month Terms and I have no terms and/or agreement with then PRA set the Delinquency First Reported to a date after they received the debt to re-age the account PRA and the credit reporting agencies failed to comply with its obligations to investigate and remove incorrect information. 

After getting legal advice about the issues above, I was informed that the credit reporting agencies and PRA are in violation of the following FCRA & FDCPA violations : 15 U.S. Code 1692e ( 8 ), 15 U.S. Code 1692e ( 10 ), 15 U.S. Code 1692e ( 14 ) & 15 U.S. Code 1692f : ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 

( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.

( 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization.
Product: Credit reporting or other personal consumer reports

Affirm accounts are improperly coded. It is currently coded as XXXX, but it is a BUY NOW, PAY LATER ( BNPL ) account and is not meant to be factored in current scoring models, according to XXXX. 

Capital one {$400.00} balance has been paid and I have no balance. I have disputed with transunion and XXXX and it is showing I have a balance of {$400.00} causing my credit score to be low. 

XXXX XXXX XXXX balance is incorrect I paid the amount of {$130.00} balance should be {$0.00}
Product: Mortgage

I purchased my home back in XX/XX/XXXX for the price of {$500000.00} with a down payment of XXXX XXXX, with {$420000.00} being financed through Guaranteed Rate Affinity as a Conventional Loan. Around a year later my loan was sold to XXXXXXXX XXXX XXXXXXXX XXXX XXXX with Shellpoint Mortgage being the servicer. As of date XX/XX/XXXX my loan balance is {$380000.00} with an XXXX of XXXX XXXX based on the purchase price of my property of {$500000.00}, which has increased in value as well. I reached out to Shellpoint Mortgage servicing on XX/XX/XXXX to remove my PMI since my loan balance have reached 78 % original value according to XXXX. Shellpoint denied my PMI cancellation with the following requirements which does not apply to me : Your principal balance has not reached the minimum loan to value threshold for cancellation Your loan is not current Payments have been XXXX or more days past due within the last XXXX years or XXXX or more days past due within XXXX year There are subordinate liens on the property You have not met the state or investor requirements I have met the XXXX requirements, I have not missed any payments or past due payments, and there are no liens on my property. I am demanding for my PMI to be removed as they are stating that it will be there for the life of the loan which is incorrect, as my previous lender Guaranteed Rate Affinity confirmed that it should be removed automatically at 78 % XXXX as a Conventional Loan. Additional documents will be provided upon request to prove that my statements are true and accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Number XXXX Account Number XXXX Account Number XXXX Account Number XXXX Account Number XXXX Account Number XXXX XXXX XXXX {$1500.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX {$350000.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX {$100000.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXXXXXX XXXX {$10000.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX {$660.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX {$650.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT
Product: Debt collection

I noticed a collection on my credit report I did not recall or remember. I sent them XXXX letters and they just simply sent me a response stating I owe them the debt. Tried calling and the number was disconnected. Tried disputing with the credit bureaus and having little luck there.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit card account was opened in XXXX of XXXX. My job at the time had me living in another city and my wife was handling all of the bill payments. In late XXXX I discovered that my spouse was not paying the bill for this, which was about the time we began divorce proceedings. In XXXX of XXXX I was able to negotiate an amount with US Bank to settle the account. US Bank then showed the account closed with a balance of {$0.00}. They have not changed the status of the account and continue to show it as " payment after charge off/collection ''.
Product: Credit card or prepaid card

Hi there, I reported several fraud charges on my PNC credit card to PNC bank on XXXX XXXX. The representative informed me that they will take care of the fraud charges and send me a new card. But I had a bill due approaching. So I asked the representative whether I can make the payment to my old card. He replied that I can't. And I need to wait until the new card arrives so that I can make payment to the new card for that bill. However, I haven't received the new card until past due day. A {$27.00} late fee occurred. I contacted them about this issue but this time, the representative said that I don't need to wait for the new card to make the payment. I can make a phone call to pay. This information was not disclosed when I contacted PNC earlier. I had no idea there is another option like that to pay. It is the PNC representative 's incorrect information leads to the late fee. However, PNC refused to waive the late fee. Please help me with this issue. Thanks.
Product: Debt collection

A collection agency is trying to collect a debt from me that does not belong to me. Previous complaints have revealed that the collection agency wants to obtain information from me in violation of the law regarding collection agencies, namely, obtaining my government issued ID and filling out a legal form provided by the agency is a violation, in addition, this data will be used against me, since the agency does not have any evidence of my debt, except for public information that can be found through any search engine on the Internet. The provided handwritten contract, which is evidence, does not contain my signature, or rather there is a signature, but it is not mine, the evidence also contains Form XXXX in the name of a citizen of the XXXX XXXX , although I am a citizen of the XXXXXXXX XXXX XXXXXXXX XXXX According to my rights and the law, I am not obliged to provide the documents that the collection agency requires from me, and the collection agency does not have the right to demand these documents from me. According to the law, the report I provided is official proof that this debt does not belong to me. In turn, I have also filed a complaint through a XXXX  state attorney with the credit bureaus and will be preparing a claim against this collection agency. This record has been on my credit report for quite a long time and has caused me a lot of losses.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove the listed items below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have an XXXX account with no limit but Experian reports that I have {$1600.00} limit or {$0.00} limit instead of just being N/A and whenever I use the card the balance owed make my usage above 500 % which lower my score. 
I'm supposed to have no limit on that card. Spoke already with both XXXX and Experian and each ignore and sends me back to the other company. I will file a lawsuit against both if not fixed as it damages my score and I can't get my mortgage for it XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XX/XX/XXXX Account Status Open Payment Status Current Status Updated XXXX XXXX Usage XXXX XXXX Balance {$6900.00} Balance Updated XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX show discrepancies between the credit reporting bureaus. XXXX shows 90 day late payments XXXX to XX/XX/XXXX while Experian does not report a 90 late payment until XX/XX/XXXX.
Product: Mortgage

I bought a condo in XX/XX/2023. I was notified by XXXX XXXX XXXX that my first mortgage payment would be with them on XX/XX/2023. I set up the account with them. I received a notice of sale from XXXX XXXX XXXX that my mortgage was bought and the transfer date was XX/XX/2023. I made my first payment on XX/XX/2023 to XXXX XXXX based on the notice of sale effective date. The mortgage was bought by Truist and the prematurely set-up my loan on XX/XX/2023 before the mortgage was transferred and said that I owe them for the XX/XX/2023 payment. As of today, my mortgage was transferred as it is no longer on the XXXX account, but Truist is still arguing that I owe them for XXXX and have not applied my first payment. I also paid a {$100.00} additional principal balance with the XX/XX/2023 payment that has since not been applied and I'm not incurring additional interest by Truist. I have contact both XXXX and Truist several times. I have documentation of this and both parties are just blaming each other, but I can not get anyone to resolve this,
Product: Credit reporting or other personal consumer reports

I have diligently communicated the disputed nature of this alleged debt to each of the three major credit bureaus : XXXX, XXXX, and Experian. These communications were sent via certified mail, providing detailed information about the lack of validity of the debt claim, including : 1. Copies of my correspondence with XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX 
2. Documentation showing their failure to produce a valid contract with my signature.

3. Evidence of the creditors ' acknowledgment that no such contract exists.

4. My consistent assertion that I did not apply for or authorize this debt.

Despite providing this comprehensive information, XXXX, XXXX, and Experian have refused to remove the disputed entry from my credit reports. This refusal persists even though I have clearly demonstrated that the alleged debt lacks proper verification and legal standing. 

The credit bureaus ' failure to act on this information is in direct contradiction to their obligations under the Fair Credit Reporting Act ( FCRA ). The FCRA requires credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of information in their credit report. Given the evidence I have provided, a reasonable investigation should conclude that this alleged debt is not verifiable and should be removed from my credit reports. 

The continued reporting of this unverified debt by XXXX, XXXX, and Experian is causing undue harm to my credit standing and financial reputation. Their inaction in the face of clear evidence demonstrates a disregard for the accuracy and fairness principles that underpin the credit reporting system and are in violation of FCRA 605 ( b ) ( U.S.C. 1681c-2 ), Requires removal of each item from my credit report within four days of this complaint submitted.

I have fulfilled my responsibility as a consumer by promptly and thoroughly disputing this inaccurate information. The credit bureaus ' failure to appropriately respond to and act on this dispute raises serious concerns about their commitment to maintaining accurate credit reports and protecting consumers ' rights.
Product: Money transfer, virtual currency, or money service

I lost my wallet car Keys phone with everything on it a scammer took all my information went into XXXX XXXX and withdraw XXXX singed my signature and chase is telling me theres nothing they can do denying my claim I singed a ucc forgery packet they wont give me my money my account was hacked and scammed I provided them with paper work everything they asked for
Product: Payday loan, title loan, personal loan, or advance loan

I previously reported this furnisher to CFBS and at first was very satisfied with the response. I was told my status would be updated to Paid In Full. I asked the representative to repeat to me what the updated status would be and she verified it. This is not what was done. It was reported as Paid In Full, was charge off, which is totally different. The employee response was verified AND recorded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied and was approved for the Chase Business Credit Card in XX/XX/XXXX. The promotion for this card offer allow applicants to earn XXXX  points after {$5000.00} or more in eligible purchases are made on the credit card within the first 3 months. In the first 3 months I made purchase over {$5000.00} with this credit card and paid off my balance on time and the earning point posted in my account. After I paid off I don't use this credit card and didn't check my account online. 

On XX/XX/XXXX I went online to Chase account and find out that my credit card have been cancel by Chase and Chase took all my earning point away. I call customer service and find out that my credit card have been charge over {$800.00} in XX/XX/XXXX and it past due. She said to able to reopen my credit card account I have to pay off the balance. 
I want to keep my points so on the XX/XX/XXXX I  make payment of {$400.00}, and another payment on XX/XX/XXXX for {$200.00}. On XX/XX/XXXX I pay off the remains balance of {$200.00}. However, after I paid off that unknown charge to my credit card, Chase refuse to reopen my credit card account and not give my back my earning point. 

The Chase representative tell me to apply another Chase credit card and when I receive the new card call the customer service give the reference as follow XXXX so they can post my earning point back to my new credit card account. I did follow his instruction to apply the new card. However, on XX/XX/XXXX I received letter from Chase with Reference Number XXXX to did not approve my credit card even though my credit score is XXXX show on the letter.
Product: Payday loan, title loan, or personal loan

I do not claim this debt, but reached out to the company via a letter sent six months ago in order to settle the debt and get it deleted from my credit reports. I have not heard back from them via a letter or phone all in order to solve this issue.
Product: Credit card or prepaid card

This is my second complaint about Goldman Sachs for the same reason. With a clean credit report and a credit score of XXXX I should not get denied an Apple Credit Card. They did NOT address the issues. I've called them several times to speak to someone and they give me people who do not have access to my report. XXXX called me back onXXXX and left me a message. I could not get back in touch with her because she only left the main number. I've called on XX/XX/20 & today XX/XX/20 at XXXX XXXX and they are not able to help. My information is obviously getting crossed with someone else 's. I called the credit company XXXX  and there is nothing wrong with my report I went over it with XXXX line by line and it is clean. But, Goldman Sachs says I have three different issues. All outlined in my previous email complaint, all are not correct and not in my credit report. They are canned responses that they sent, not relevant to my credit report. Please take a look into my CORRECT report as you will see it is clean. This is obviously a big mistake.
Product: Debt collection

I am filing a complaint against AMSHER COLLECTION SERVICES INC, because they are attempting to collect a debt that I do not owe them. Account name : AMSHER COLLECTION SERVICES INC, Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 credit bureaus must validate these account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. The accounts need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$21000.00}
Product: Payday loan, title loan, or personal loan

I fell into a bit of a financial bind and took out an installment loan through. Big Picture Loans for {$450.00}. To date I have paid {$180.00} back to Big Picture Loans. 

After doing some research I realized that these companies charged me illegal rates of interest under Michigans usury laws. I immediately revoked ACH authorization. I a letter explaining that I would repay the remaining principal balance of the loans in equal monthly payments beginning in XXXX of 2020. I currently owe Big Picture Loans approximately {$260.00} dollars. Big picture loans refused to oblige at all claiming tribal immunity. However it is my understanding that tribal immunity prevents consumers from suing them and that under federal they still have to oblige to usury laws in respective states. After going back and forth with them via email, the matter was not resolved. In learning from my mistakes, the reason I am filing this complaint is because I refuse to be harassed by a company when I have made reasonable attempts to settle the debt on a payment plan trying to circumvent any potential damage this could do to my credit.
Product: Prepaid card

This has been an issue since XX/XX/year>, this is a XXXX XXXX Debit Card which is reloadable which has an available amount XXXX I want to obtain my funds off the card. Being accused of some illegal act when it is simply my money that I loaded the card with. They have suspended my card, holding funds illegally. I am simply wanting my funds off the card and still trying to attempt that as of XX/XX/scrub>XXXX
Product: Mortgage

My escrow had been thrown off due to taxes and insurance being incorrect. After fixing the issues within hours of the problems arising, it has been nearly 7 months and the issues have not been fixed. The bank Ameris Bank has raised my payment nearly {$300.00} the original Payments. Now, after having done the escrow analysis several times, and now issuing a refund check ; they still have not lowered my payment to the correct amount and expect me to pay the elevated payment. They know the payment is incorrect but refused to fix it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the living man, executor, beneficiary of. It has come to my attention that although I have written several letters asking for validation of debt, audit trails I am not getting any response because of the automated system you have in place which in fact is a violation as well.. I am demanding these accounts to be removed immediately off my credit report as it is in violation to the following federal constitutional laws 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ), 15 USC 1681b ( a ) ( c ) ( 2 ), 15 USC 1681q, 15 USC 1681n ( a ) ( 1 ) ( A ), 15 USC 6821 ( a ) ( 1 ) I am afraid this credit reporting agency has not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. 
I did not give consent to these accounts. 

I have remained humbled despite thXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX credit reporting agencies have done to me.