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

I have a credit inquiry request from different Syncb entities throughout an extended period of time. I do not have any knowledge of this credit inquiry and would like it removed from my credit bureaus. It is severely damaging my score. I have included a list of all the inquiries below with dates. Please remove ASAP as I did not authorize these pulls. 

Syncb/amazon -- XX/XX/XXXX Syncb/sams -- XX/XX/XXXX syncb -- XX/XX/XXXX syncb/sams -- XX/XX/XXXX syncb/sams -- XX/XX/XXXX syncb/sams -- XX/XX/XXXX syncb/sams -- XX/XX/XXXX syncb/XXXX XXXX -- XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I filed a few disputes with XXXX confirmation # XXXX # XXXX # XXXX about me victim of identity theft and I was effected by XXXX data breach and XXXX XXXX XXXX data breach. XXXX is refusing to remove these inquiries that I didn't authorize. XXXX XXXX XXXX XXXX LENDMARK FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. Someone used my information without my authorization for I am victim of identity theft.
Product: Debt collection

I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Disputed negative accounts on my credit report due to erroneous reporting by the credit bureau. I asked them to validate the debt by mail within 30 days or remove the negative accounts from my report. I did not receive anything by mail or email. The negative accounts are still reporting on my credit report. I also called to get personal information updated that is reporting incorrect and that was not done.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have had a Bank of America Credit Credit card for more than 11 years ... no late payments even once ... I am traveling ooh of state, could not use my credit card ... when I call BOA they explain that my account has been closed 4 days ago, can not tell me the reason for that, they said the only way to fix it to apply for new CC ... it was very inconvenient because I could not pay my bills on time and I have to transfer money from my aging account to my checking account and of course I have to pay high fees.
Product: Debt collection

To Whom it May Concern, I am fling a formal complaint against Midland Credit Managment inc for their continued failure to validate a debt they are reporting on my credit report, in violation of federal laws. Despite multiple written requests for validation of the alleged debt, as required by the Fair Debt Collection Practices Act ( XXXX ), 15 U.S.C. 1692g, the agency has failed to provide any documentation proving the legitimacy or ownership of the debt.

Furthermore, Midland credit management continues to report this unvalidated debt inaccurately on my credit report. This ongoing reporting constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16315-2, which mandates that information furnished to credit reporting agencies be accurate and substantiated. By reporting a debt that they have failed to validate. 
Midland credit management is not complying with these legal obligations. 
Given these viclations and the harm this inaccurate reporting has caused to my credit, I request the following : 2. Stautory damages in the amount of XXXX midland credit management inc Statutory damages in the amount of {$5000.00} for midland credit management incs failure to comply with federal law and their neglect in handling this matter. 
Should this issue not be resolved promptly and to my satisfaction, I will file a lawsuit in small claims court to seek further damages and enforce my rights under the FDCPA and FCRA. 
I expect Midland credit management incs to act in good faith by deleting the inaccurate information and providing the requested statutory damages. Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

There seems to be an error on my consumer report furnished by XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXXOn my consumer report, there is late payments reported and Fraudulent accounts which is causing me damage to me as a consumer and limiting my ability to extend credit. I allege that XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX is willfully and knowingly furnishing inaccurate information and defaming my character as a form of extortion. According to 15 U.S. Code, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan late for any purpose. According to 12 CFR Appendix B to Part 1022 I never received any the model notices stating that any negative information would be furnished to my consumer report. Why is this inaccurate information being reported when I have never received notice of the information and congress has stated there shouldnt be any late payments? Is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX attempting to cause some form of harassment to me and violate my right as a consumer purposely? I was never given a reasonable way to opt or limit sharing my creditworthiness according to their privacy policy. Payment defined under 15 U.S Code 78m Payment is define as commercial development of oil, natural gas, or minerals therefore what form of payment has XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX has been excepting for the last years of under the United States Code it is define as commercial development of oil, natural gas, or minerals? 
Is there a yield of the investment on the account due to me? Has the true nature and fitness of the agreement been provided to me? The inaccurate, false and fraudulent information being furnished on my personal consumer report needs to be corrected immediately as it is causing damage and defaming my character. I am demanding a response within an appropriate time of 5 business days to answer each concern I have raised in this complaint or I allege that there is a due yield of investment that has been misapplied as a billing error and shall be Returned back to me.
Product: Credit reporting

There is an item on my personal credit report from a Debt Collector who purchased the debt from XXXX XXXX, which was a debt for a company of which I was a the majority shareholder. I did not personally apply for the card it was a corporate debt. The statements where sent to the company address and for more than 8 years the company made all payments on the account using a corporate bank account. The company XXXX XXXX, In filed Chapter XXXX in the Virginia XXXX XXXX Court. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Filed XXXX/XXXX/XXXX Case Closed by court XXXX/XXXX/XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX bank XXXX XXXX. 
Open Date XXXX XXXX, XXXX Balance {$21000.00} Collection Debt {$21000.00} The Debt was discharged in bankruptcy court. 
I have filed XXXX disputes which Experian. I have asked the company to send me documentation which proves I am responsible. XXXX XXXX. told me the information had previously been mailed two years ago from XXXX XXXX. I asked XXXX XXXX XXXX. via telephone more than 1 year ago for the documents and they never sent them. I asked again today for the documents and they told me as long as I was disputing the claim they would not speak with me. She told me unless I would remove my dispute they would not discuss the matter. I sent the following email XXXX XXXX and the company failed to respond. 

XXXXXXXXXXXX XXXX XXXX at XXXX XXXX To XXXXXXXXXXXX XXXXXXXXXXXX Message body You are Reporting a Debt on my Credit Report which was associated which a XXXX XXXX which I was a XXXX Declared Bankruptcy. I have repeatedly told you via telephone that this debt is not mine personally. I filed a dispute with Experian more than 30 days ago and you have failed to respond.You have as required by law failed to Validate the Debt and as required by law must remove the debt from my credit reports immediately. 

I made you aware this debt was reported in error more than 1 year ago. I will file a formal complaint with the office of the Virginia XXXX if the debt is not removed in 5 business days. 

Please see the attached Filing Information Below to confirm the Company Filed XXXX XXXX. 


XXXX XXXX XXXX XXXX Virginia XXXX XXXX XXXX XXXX/XXXX/XXXX PORTFOLIO RECOVERY XXXX XXXX Original Creditor XXXX XXXX bank XXXX XXXX. 
Open Date XXXX XXXX, XXXX Balance {$21000.00} Collection Debt {$21000.00} XXXX XXXX XXXX I ca n't prove I do n't owe something because they refuse to provide any documentation proving I am responsible. I paid for a subscription to Experian and have disputed this item and asked for Experian to ask XXXX XXXX for the documents and they told me they can not require a company providing them with information to provide proof.
Product: Checking or savings account

Citi has been promoting it $ XXXX {$400.00} offer for its different criteria deposit. I opened the account via its promotion link online on XX/XX/XXXX. I called on XX/XX/XXXX and told them that instead of depositing for $ XXXX for {$1500.00} bonus, I would like to downgrade the package for $ XXXX deposit for {$400.00} bonus. The rep on the phone ensured me many times that the account is linked with the promotion and I will get the {$400.00} bonus after depositing $ XXXX. 
I deposited $ XXXX on XX/XX/XXXX and the money has still there since then until today ( XX/XX/XXXX ), which has been over XXXX months. The requirement is having the deposit stay for 60 days, which already way passed it. I chated online on XX/XX/XXXX and the rep said I should have qualified but he said he will open an investigation with case XXXX XXXX XXXX XXXX. I also called citi and the first rep said he didn't see the promotion linked to my account. Later the case was escalated to a supervisor, who said I already downgraded my account, which I said I knew but the rep on XX/XX/XXXX expressly told me it is ok as it is just {$400.00} bonus instead of {$1500.00}. The supervisor then said, oh, because the linked checking account was closed. I said I didn't close the linked checking account but Citi closed it at its sole discretion without any notification. And said he will follow up on the investigation team and give me the answer. On XX/XX/XXXX, I receive the letter from citi saying they can't find any promotion linked to my account. So what's going on? Overall experience is just that citi tried to avoid giving the promised promotion and overall advertisement is misleading and scam. 
Per the terms, citi should have given me {$400.00} bonus on XX/XX/XXXX, which was 60 days after the required deposit period. I have patiently waited for another 4 months but it ended up they closed my linked checking account and said, oh, not another fine print qualified. The term stated " the Minimum Deposit ( see Chart below ) must be maintained for 60 consecutive calendar days from the date the Minimum Deposit is met ( Minimum Balance ). The Minimum Balance may be held entirely in one of the Eligible Accounts or across both of the Eligible Accounts '' and " At the time the Cash Bonus is paid, it will be credited to the new Eligible Checking Account. If the Eligible Checking Account is closed, then the Cash Bonus will be credited to the new Eligible Savings Account. '' So why my {$400.00} is not showing up in my saving account? It should have appeared from any date after XX/XX/XXXX.
Product: Mortgage

My mortgage was transferred to SLS  ( Specialize Loan Services ) in  Colorado, from  XXXX   XXXX . Since then there have been nothing but PROBLEMS! First, the claim my home was in BANKRUPTCY and I need to reaffirm the loan ... 100 % FALSE! Second, they claim I have a 40 year mortga ge, FALSE! I have  a 30 year fix that expires in  XXXX  ... third, I can not make payment online like I have for the past 15 years ...  .they ma ke me use  XXXX   XXXX  and my payment is not credited to my account for 15 days AFTER I MAKE THE PAYMENT!!!!! fourth, every month, there is some sort of online computer problem and I cant long on to my account ... .and I spend DAYS trying to get a hold of someone in customer service!!!!!!!!!!! I keep getting the RUNAROUND and NOTHING HAS been resolved!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you regarding subject account erroneous credit reporting. I am demanding an immediate removal of this reporting from my credit reports as it is hindering my purchase of a home SHELLPOINT MORTGAGE XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Mail code XXXX XXXX XXXX XXXX XXXX XXXX, LA  XXXX XXXX XXXX ) XXXX The home at XXXX XXXX XXXX XXXX XXXX XXXX XXXX MS XXXX was included in Bankruptcy XXXX XXXX XXXX  of Mississippi filed XX/XX/XXXX and discharged XX/XX/XXXX. The Order of Discharge and list of creditors which includes XXXX XXXX  is attached to this email. 


Shellpoint purchased this property from XXXX XXXX  after the discharge of the Bankruptcy and proceeded to threaten me with foreclosure. I never acknowledged the validity of this account. It is unlawful to foreclose on property that has been included in a bankruptcy. .Apparently, this is a typical business practice of Shellpoint since there are so many lawsuits against them. Shellpoint sold the house and made a profit of over {$100000.00}. 


Again, I demanding immediate removal of the reporting of this account and any late payments and foreclosure from my credit reports. I
Product: Credit card or prepaid card

On XXXX XXXX XXXX I made took advantage of a 0 % apr on balance transfers. I transfered {$3000.00} with a {$150.00} transfer fee. the promotion negated any other " grace periods '' on purchases. 
this was reflected on the subsequent statement : {$3000.00} Balance transfere {$150.00} transfer fee {$1100.00} in purchases {$2300.00} in payments leaving XXXX as the balance ( {$3000.00} transfer, {$150.00} fee, {$250.00} purchases ) two payments were made towards this statement- {$540.00} and {$95.00} ( total XXXX  ) the next statement showed a reduction in the 0 % interest balance to {$2800.00} and interest charges on {$280.00} of purchases.the balance due for this statement including new purchases was {$3400.00}. 
on XXXX I called and inquired as to why there was interest being charged on the purchases and why the balance for teh 0 % interest was lower. I was informed that interest will be accued from the date of purchase unless paid off prior to the statement date. as a courtesy they removed the interest charge of {$4.00} bringing the statement balance to {$3400.00} with this knowlege I made payments of {$550.00}, to reduce balance due to {$2800.00} ( slightly above teh amoutn shown for the 0 % interest ) and then payments of {$260.00}, {$240.00} and, {$78.00}, to cover new purchases after they have been made. Which should have left the next statement balance at {$2800.00} - {$2800.00} at 0 % and {$31.00} of new purchases at the variable interest rate. 

the next and most recent statement showed a balance due of {$2800.00}, {$2500.00} at 0 %, interest charges of {$8.00} and {$550.00} subject to the variable interest rate! 
on XXXX I called to ask why this was going on and I was told that any payments in excess of the minimum payment would be directed towards the balance bearing the highest interest rate ( so far so good ) but that they would only apply payments to the 0 % balance and not the balance of purchases becausse they were incapable of doing so even though the new purchase balance bears the highest interest rate. if they are capable of tracking new purchases to charge interest they should be capable of applying payments to that balance. 

I asked for a supervisor multiple times, and was finally transfered to a supervisor, who said that it was too bad that was how it works, and also refused to confirm that they would not apply payments to the new purchase balance even though that was the balance that bears the highest interest rate.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, While checking my most recent credit report, I noticed Fraudulent credit inquiries/Opened lines of credit/credit cards that I do not recognize and did not authorize anyone to pull my credit report or use my credit. 
Attached are my proof of address, social security card and my passport The inquiries, lines of credit and credit cards made by the below listed companies : Please remove Late Payment as this is incorrect and being used fraudulently Experian : XXXX XXXX XXXX Please remove Late Payment as this is incorrect information and is being used fraudulently XXXX : XXXX Please remove theses fraudulently addresses on XXXX : XXXX XXXX XXXX, XXXX, FLORIDA, XXXX, UNDEFINED XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX FL XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL, XXXX, XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX Please remove Late Payment as this is incorrect information XXXX : XXXX XXXX XXXX  Please remove unauthorized inquiries Experian : XXXX XXXX XXXX XXXX Please remoce unauthorized inquiries XXXX : XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX? XXXX, XXXX XXXXXXXX XXXXL, XXXXXXXX XXXX  XXXX XXXX , XXXX  XXXX XXXX, XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/23 I sent a letter regarding inaccurate I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year, I have sent disputes and have made a complaint with the federal trade commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem fixed asap I will not wait another 50 days to receive any response because clearly, they are ignoring me
Product: Checking or savings account

I opened a new business account. Under XXXX XXXX on XXXX. Account number XXXX Wells Fargo On XXXX I made the mistake of depositing t two checks on the wrong account I deposited in my XXXX XXXX business instead of my XXXX XXXX  business account XXXX I deposited check ref # XXXX for XXXX and ref # XXXX for XXXX On XXXX I went to withdraw some of the money and they told me my account was suspended following an investigation. They told me they were going to close my account following the investigation and send me a. Check for the balance. 
I made an appointment onXXXX XXXX and XX/XX/year> to fix the issue I submitted my fictitious business name on XX/XX/year> and then again on XX/XX/year> and on XX/XX/year> they closed my account and took the funds I called their loss prevention team and they told me they had the right to remove funds from my account and there was nothing I can do. They also stated they would not return the funds to the person who made me those checks
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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/year>
Product: Student loan

I applied for forgiveness under the Limited PSLF Waiver program. The loan services provider that I am dealing with is Mohela. I submitted documentation on time during the window for forgiveness. I have worked at eligible employers, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX and the XXXX XXXX XXXX during the eligible period, from XXXX to present. Both employers confirmed my employment and I submitted supporting documentation. My application was submitted in XX/XX/XXXX ( prior to deadline of XX/XX/XXXX ). I consolidated my loans as required and they have been in forbearance since then waiting for a final determination on my forgiveness application. Just recently I received notification that said I was not eligible because I didn't not have any PSLF qualifying payments. But they based that determination by ignoring the last 13 years that I worked for the XXXX ( i.e. federal government ). I made all required qualifying payments. I have tried calling a number of times and am put on hold or given unhelpful responses that do not address the underlying issues. I qualify for the Limited PSLF Waiver based on the eligibility criteria that was provided through the Department of Education materials and website.
Product: Debt collection

I have a collection agency named Pro-Collect in XXXX, that has posted a debt on my credit all three bureaus for an old apt complext XXXX XXXX XXXX XXXX XXXX. 

This debit is false, XXXX XXXX XXXX XXXX got mad because I wouldn't renew my lease after almost 3 years. After my lease was up, I did month to month for two months and then left. 

They even signed out the keys and all, then waited almost a year later with a {$1700.00}, claiming I didn't give notice. Even though I did before the lease was up and before I even did the month to month. 

They even kept my {$500.00} deposit and claimed the {$1700.00} is for two more months of rent, that I wasn't even living there. I had been gone almost a year. 

I moved out the last day of XXXX 2017 and they still charged me rent for XXXX and XXXX 2017. Even though I wasn't under a lease and had already been gone.