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

On XX/XX/XXXX I called my credit card and had XXXX XXXX taken off as an authorized user. On XX/XX/XXXX I received a letter in my inbox on my credit card that stated the authorize user has been removed. To clarify that I emailed them and ask them to add his name to the letter saying that he is no longer an authorized user. On XXXX XXXX it was reported to the credit bureau that he was still an authorized user so I called the credit company and ask them why they put him in as an authorized user because now his credit score dropped, and his debt to ratio went up. Hes trying to buy a house and now because of them reporting this to the credit bureau after I had asked them to remove him he hast to wait to get a mortgage for to refinance his house. I have documentation to prove this and I would like it removed immediately from his credit report. The credit card is a XXXXXXXX XXXX XXXX by XXXX XXXX 
When I called to dispute it with the credit card company, they were like oh well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : XXXX I sent a validation letter to Northland Group XX/XX/XXXX. I mailed two one to the P.O. box and one to the physical address. Both were mailed certified and were accepted XX/XX/XXXX. I have not received a response with a contract or validating not verifying docs to support this debt being valid. I also do not show Northland group as a licensed and bonded collection agency in Michigan. 

This account should not be reported as theres no contract and the company is not properly licensed.
Product: Mortgage

I have a current line of credit with SLS and the loan comes up due on   XX/XX/XXXX  as ballo on payment of {$330000.00}. I called them and asked if this loan can be refinanced or term can be extended or whatever it takes to continue my payments, they said to apply, I did and they denied my application because the investor will not work with me and either I have to pay the full balance of {$320000.00} or sell my house. I am retired and this is the only home I have, I am not able to refinance the loan because o f 2 reasons, one I a m on fixed income and the bank will not give me a loan and second, I dont have enough equity to refinance the loan. As I mentioned earlier, my husband and I have lived her most our lives and are retired couple, we have always made our payments on time and we are current on both of our loans. All I am asking for is for them to allow me to continue making payments on the loan.
Product: Credit card

My identity was in a data breach With XXXX and XXXX, There are XXXX Fraudulent Credit Card accounts opened without my consent or acknowledgment With Navy Federal Credit Union With a balance of {$3300.00} charged off, XXXX XXXX XXXX  With a balance of {$2400.00} Charged off, And XXXX XXXX XXXX With a balance of {$920.00} charged off and XXXX inquiries that were not made by me from Navy FCU, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX.
Product: Credit card or prepaid card

I received a bill on XXXXXXXX XXXX XXXX showing two purchases on the XXXX and XXXX XXXX XXXXXXXX on bestbuy.com. I called best buy/Citibank ( XXXX department ) and reported that I did not made these purchases and requested to know what they were. I was informed they could not tell what they were, but they would file a fraud complain to investigate. I received a letter on XXXX stating they had investigated and I still have to pay. I called them back and talked to three different departments requesting what was purchased on the dates of XXXX and XXXXXXXX XXXX XXXXXXXX. They told me that there is no purchases done on those dates on my account! After talking to 4 different people and explaining that they cant charging me for something I didnt purchase without telling me what was purchased, they kept telling me I needed to call the XXXX department. I mentioned to them that I already did and they cant tell me either what was charged on my card on these days. So, now they are demanding I pay for two purchases I didnt make and treating me they will send my name to collection agencies if I dont pay. How am I supposed to pay for something I never did buy and there is no department within Best Buy that can tell me what was actually purchased with my card?
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the unauthorized accounts and inquiries listed below from my credit report. I am a victim of a data breach that compromised my personal information. These accounts and inquiries are fraudulent, and under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items removed from my credit file. 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

The people that work at the PNC branch at XXXX XXXX XXXX XXXX XXXX in XXXX, Arizona are former BBVA Compass employees, and they are wonderful. 

But since PNC Bank bought BBVA Compass, it has become a PREDATORY LENDER. 

HISTORY : On the last day of XX/XX/XXXX, I went in here to make a principal payment of {$500.00}. It was misapplied. On the last day of XX/XX/XXXX, I went in to speak with the branch manager to get the mistakes corrected from XXXX principal payment and make another principal payment of {$500.00}. It was misapplied. I called them and have spoken with multiple people from their executive offices. They have called me with assurances. I have been back and forth multiple times with them on XXXX. 

Trusting what they said, I made a {$1000.00} principal payment on XX/XX/XXXX. I checked today. HERE IS MY STATEMENT which I just reviewed. ALL OF MY PRINCIPAL PAYMENTS ARE STILL MISAPPLIED. 

PNC is RIPPING ME OFF and I want them sanctioned and fined. 

Others should be warned. 

Also, I reconcile my account monthly in XXXX and their statements do NOT show all of the charges because my account is more than {$30.00} off. What else are they charging me? 

SOMETHING STINKS.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of all accounts listed below due to my status as a victim of a data breach. This request is made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 

As I am POSITIVE you are aware, as an injured consumer, UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billing Act of 1975 ( FCBA ). 

As the OFFICIAL notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following, YOU MUST ANNUL by REMOVAL of any DEROGATORY and or ADVERSE and yet UNPROVEN claims be it an account or an aspect of that account. PLEASE as you MUST, delete the foul mis-reportings and display any and all of my accounts as being " PAID/PAYS as AGREED, NEVER LATE ' and as nothing else.
Product: Credit card or prepaid card

On XXXX XXXX I spoke with XXXX XXXX XXXX XXXX id XXXX ) and then XXXX, XXXX XXXX id XXXX ) and complained that they were charging monthly interest at the rate of {$26.00}. My current balance is {$1100.00} with {$27.00} monthly in interest charges. I complained to both reps that this was balance was becoming difficult to pay down based on that charged interest rate and requested a reduction to same. I have always been a responsible paying consumer having made all timely payments. Both reps refused a resolution to ease the payment and during a time of severe inflation and job loss. I find it completely unacceptable that a company can charge a consumer such an astronomical amount of monthly interest which would only serve to hurt a consumer. At the interest rate of {$26.00} this balance would be extremely difficult to pay down. This is a XXXX XXXX XXXX XXXX. I appreciate all the help and assistance you may provide as they were unwilling to offer any such resolution to the matter. This to me seems fraudulent and misleading by a company that purposely places a consumer in direct financial harm. Thank you.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose f
Product: Vehicle loan or lease

I applied for commercial credit..I was approved. Gave a deposit from my business account..when I got there it was a bait and switch.. 
FreedomTruckFinance and myself have been in disputes for about 2.5 years. 
I feel this account was fraudulent from the beginning. They never communicated properly. They repossessed a XXXX XXXX XXXX  reefer trailer and sold it for XXXX XXXX. They never sent me any paperwork. The refuse to this day to provide me any information. 
XXXX has apparently closed its financial doors as it already received financial assistance from the government due to XXXX and has just a few people trying to recollect old debt and still reporting as debt owed. I believe this company it fraudulent and has had back door deals with someone to purchase repossessed items fir pennies on a dollar. If this can't be resolved here I will seek to file a class action law suit. Thus company is working fraudulently in my eyes.
Product: Debt collection

I received a letter from, State Collection Services of XXXX, Wi. dated XXXX XXXX stating that a past due amount has been referred to their office. It also stated that I had 30 days to respond with a dispute of the debt. I mailed my response to them and requested documents which would validate the debt on XX/XX/2019. It was received by them and signed for on XX/XX/2019. I did not receive anything back from this company in the 30 days their are allowed by law to respond and instead they immediately contacted the credit reporting agencies and put the unverified, disputed debt on my credit report. I have certified receipts showing that I needed more information to validate these charges. They could not produce the documents I asked for and knowingly disregarded the fair credit reporting act and practices.
Product: Vehicle loan or lease

Since the beginning of XXXX of 2024, I've been contacting Capital One Auto Finance in an attempt to pay off my vehicle loan with them. When calling the Auto Loan department number, I receive a message about Covid concerns and longer wait times and an transfered to a voicemail and asked to leave a message. I've left at least a message a week asking to speak to someone in order to pay off the vehicle. No one returns the calls. My online account with Capital One has been frozen and will not allow me to make a payment of obtain any information. After no response from the voicemails, I used the Capital One Website to send a message explaining the issue I have been having. Four days later, on XXXX/XXXX/24, I received a call from a customer service representative in the Office of the President. I was told that my loan had been turned over to a XXXX  and they would have to attempt to retrieve the file from the XXXX. The representative stated that someone would call me back on Friday XX/XX/XXXX24 with the requested information, but that call never came. I have a letter from Capital One with the pay off balance, several options to pay it off or make payment plans, and it states that I have until XX/XX/XXXX2024. I just want to pay off my vehicle loan
Product: Credit card or prepaid card

In XX/XX/XXXX, two instances of identity theft occured : 1 ) A fraudulent unemployment claim was made in my name to the California EDD and 2 ) My BofA EDD Debit card was hacked and the address and identifying information was changed making it impossible for me to gain access and control of the account. 

Since XX/XX/XXXX, I have attempted to resolve these issues through multiple calls, emails, faxes, and on line submissions, and have not been successful. I reached out to my local representative XXXX XXXX for assistance who open a case with EDD. The EDD then called XX/XX/XXXX to advise me that the UI Claim has been flagged as fraudulent and denied, and recommend that I reach out to you to assist with closing my BofA EDD Debit card account.

Bof A has informed me that they can not close the account because of the {$900.00} balance that was deposited by the EDD as part of the fraudulent UI claim, and they can't send the {$900.00} back to EDD. The EDD has instructed me to have you help me close the BoA account and then I can send the {$900.00} to EDD Benefit Recovery.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my credit reports from all three bureaus. I immediately noticed the reports mentioned that a collection company reported a debt that I do not recognize. I also. see multiple inquiries from XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XX/XX/XXXX. Unknown phone numbers ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX. Unknown address XXXX XXXX, XXXX XXXX, MD XXXX. XXXX XXXX, XXXX, MD XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MA XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MD XXXX. XXXX XXXX XXXX, XXXX XXXX, NY XXXX. XXXX XXXX XXXX, XXXX XXXX, NY XXXX. XXXX XXXX XXXX, XXXX XXXX, NY XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, my application for discharge of my federal student loan was approved on the basis of my XXXX XXXX  XXXX   XXXX, and canceled my obligation to repay the remaining balance. Please see attached letter. The letter states that a total of {$300000.00} was XXXX. 

Following my receipt of this letter XXXX XXXX and XXXX  reported that the loan was closed and reflected a XXXX balance. This raised my credit score to over 800 and " Exceptional. '' Experian continued to reflect the balance was over {$330000.00}. I filled two disputes with Experian. Both times the results came back with a higher balance and lowered my credit score by more than 30 points. When I called Experian they said I needed to deal with the lender ( XXXX XXXX ) directly. When I called XXXX, they said, " The process takes a very long time, but the loans have been discharged. '' Now All three credit bureaus reflect the XXXX account is open, with a balance of {$330000.00}, which is higher than what my XXXX balance relfects on XXXX 's website - {$330000.00}, which has not changed since XX/XX/2018, and is in fact incorrect. 

My question and complaint is, how and why did the account show closed and a XXXX balance with XXXX XXXX and XXXX  and never with Experian? 
Why now, do all three agencies report a balance of {$330000.00}, causing my credit scores to drop considerably, when in fact the loan has been discharged since XX/XX/XXXX and a balance of XXXX should be reflected on all three credit reports?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting on my credit in which I never had an account my identity was stolen and this account don't belong to me I'm requesting to have this item removed, also the XXXX XXXX account was deleted and removed from my credit report due to fraud and now it's reporting back on my Equifax please remove those fraudulent accounts from my credit report I also sent both companies a copy of my police report.
Product: Credit reporting

XXXX XXXX BANK has failed to validate the alleged debt directly to me by failure to provide a true and certified copy of the complete audit trail of said account, audit verification of debt entry in accordance with basal XXXX and XXXX and XXXX I also requested a copy of XXXX BANK 's Tax Registration Certificate, all of which XXXX XXXX BANK was unable to provide as stated in their response letter ( see attached letter ). By law under basal XXXX XXXX and XXXX XXXX XXXX BANK failed to validate their claim. A copy of XXXX XXXX BANK 's response to my debt verification was previously mailed to Transunion, however, your agency continues to allow XXXX BANK to remain on my credit report negatively affecting my credit. XXXX XXXX XXXX is illegally reporting negative on my credit also.
Product: Debt collection

Called my father on multiple occasions, telling him that I owed debt as well as what the debt was for. I am not a XXXX and my father is not listed on the account in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file 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 XXXXXXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I opened a business account with Wells Fargo and added my first cashiers check from my client of {$5300.00}. I was assured that it would be fully available come XX/XX/XXXX, which it was. 
As we are waiting for our business accounts debit card to arrive, my wife and I took it upon ourselves to send {$300.00} to the personal account that we have had since XXXX, so that we could use that debit card to purchase tools. Upon examination of our account later at XXXX Tuesday evening, all of the money was gone, and now including a negative balance of {$300.00}. 
On XX/XX/XXXX at XXXX XXXX I went to Wells Fargo directly, the same one that we started the business account with, and was told that I would have to wait till XXXX XXXX  in order to rectify the situation. I had other things to do at my job site, so unfortunately I did have to leave. Upon returning at XXXX XXXX  I was told to wait off to the side, and was not approached till after XXXX about my account. 
I was then told that there was nothing that could be done because ( they ) werent sure if it was a fraudulent cashiers check, but had to make sure. From there I was told that the money that I needed to order cabinets for my refurbishment and pay my workers would not be available until the XXXX. 
Today being XX/XX/XXXX, I took a copy of the check, which Wells Fargo was graciously enough to give to me, and went to the XXXX XXXXXXXX XXXX where the check was made. My client the maker of the cashiers check also was gracious enough to not only give me a copy of his drivers license, but also a copy of the receipt for the cashiers check to prove that it wasnt fraudulent. Needless to say, I do not have my money, and this is costing me time and money with my work.
Product: Debt collection

XXXX XXXX XXXX XXXX account was closed in XXXX of 2016. XXXX XXXX XXXX claimed that I owed {$170.00} for equipment that was not returned. I still had the equipment in question but XXXX XXXX XXXX sent the return box to my old address. I finally resolved this after many hours of wasted time and they sent the return box to my correct new address, after which I returned the equipment the next day. I kept the USPS tracking documents to prove that it was returned. XXXX XXXX XXXX finally admitted their mistake and removed the balance of my account. The XXXX XXXX XXXX representative reversed the amount and my account statement from XXXX XXXX XXXX shows that I owe them {$0.00}. A credit reporting agency called Diversified Consultants Inc. has been sending me multiple collection letters and harassing me with multiple phone calls during the day and night in an attempt to collect the debt in question that was cleared by XXXX XXXX XXXX. I sent a debt verification letter to Diversified Consultants to let them know I was disputing their claim that the debt was stilled owed. They sent me the attached file with the claim that I still owed this debt, even though the attachment that they included shows an amount owed = {$0.00}. This company is incompetent or dishonest since by their own proof, they are trying to collect an amount that I do not owe.