23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Discover Bank made an offer for an extension of credit in exchange for a note ( 12 CFR 360.6 ). I accepted this offer and returned the note. I paid for the goods and service via the note, and became an investor  in their company. offer and acceptance. They have accepted my note, then claimed I did not qualify, Although this is a clear violation of 12 CFR 1002.6 ( a ) I informed them that the information used to determine this was inaccurate, and that we already have a contract. 

I informed them that this is a violation of the equal credit opportunity act, and that their own prospectus states they can not guarantee the accuracy of their credit worthiness determinations. 

I made an investment in Discover Bank and they have taken my note without providing the goods that I paid for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXXXXXX XXXX XXXX XXXX  XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX Balance XXXX {$4800.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$160.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Credit card

On XXXX XX/XX/year>, I visited XXXX XXXX XXXX seeking services for XXXX XXXX. At the time, I was covered by XXXX XXXX for XXXX XXXX. I found this dentist through XXXX XXXX network listed online. 
When I arrived at this original appointment, I filled out medical history paperwork. At the start of my appointment, I informed the front office workers that my insurance coverage was through XXXX XXXX and that I was looking for new XXXX XXXX 
I was led back to the examination room by the receptionist. When the dentist, XXXX XXXX XXXX, arrived, I told dentist that I was interested in XXXX. The dentist then took XXXX XXXX XXXX XXXX XXXX XXXX XXXX When the X-rays and mold were finished, the dentist informed me about a cost of {$2800.00} but did not explain to me for what. I was not told what insurance would be covering and what my costs would be for the services. At some point during the appointment, I was asked to initial some paperwork but this paperwork was never explained to me, I did not know what it was for, and I was not provided a copy. At the time, I assumed the paperwork was to be able to use my insurance to cover the cost of the procedure. I was not given time to look over the paperwork. 
Once the XXXX XXXX XXXX XXXX XXXX, I was told to go to the front desk and give the receptionist my insurance card. The receptionist told me that she was going to set up an account for me but it was not explained to me what the account was for. No follow up appointment was scheduled and I never received XXXX from XXXX XXXX XXXX. I was not given a copy of any paperwork from the appointment. 
On or around XX/XX/year>, I received the first bill regarding the SmileGeneration Comenity credit card via mail. On the bill, the explanation for the charge was not stated. There was no itemization. The bill stated I owed around {$2800.00}. I did not knowingly sign up for a SmileGeneration Comenity credit card nor was it explained to me that I was being signed up for a SmileGeneration Comenity credit card for the dental services. I never gave any authorization to the dental office or dentist to sign me up for the credit card. 
I contacted SmileGeneration over 10 times to dispute the debt via phone, however I never received a resolution to the dispute. Each time I spoke with a person at SmileGeneration Comenity, I informed them about the issues surrounding the SmileGeneration Comenity credit card and they continually told me they would forward my complaints, however I never received responses to my disputes. I then called XXXX XXXX to dispute the debt with them, and XXXX XXXX informed me that I should not have been charged more than {$650.00} for the full dentures procedure. 
To this date, I have never received dentures from XXXX XXXX XXXX. I am still being charged roughly {$3100.00} to the SmileGeneration Comenity credit card for services that should have been covered by my insurance and for services I did not receive. The debt was sold to XXXX XXXX XXXX and now XXXX is aggressively collecting on this debt. The debt is continuing to grow due to added interest
Product: Credit reporting or other personal consumer reports

on XX/XX/XXXX - I received my Transunion consumer report, and Transunion is still reporting XXXXXXXX XXXX XXXX XXXX XXXX I did not give Transunion or any of its affiliates my Written permission to report this public record on my consumer report. Transunion has not shown me any proof in writing where my permission was given. I have attached written proof that XXXX XXXX XXXX XXXX does not report any records to any credit reporting agencies. Not only I have not given them my permission, but they are also violating my privacy according to privacy act of 1974. Transunion is violating the following, which is clear. Thats must give my written permission. 15 U.S. Code 1681b - Permissible purposes of consumer reports.. ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Also, Transunion is stilling reporting XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX After my submission of my opt out request to remove the XXXX XXXX, XXXX XXXX XXXX XXXX  and XXXX. My request is as follows : Per the FCRA as a Federal protected consumer, Im electing to opt out of any & all authorization that I the consumer that may have given you, either in writing, unwritten or verbal or non-verbal per 15 USC 6802 & 16 CFR 313.7. This effectively immediately
Product: Debt collection

My identity was stolen I did not have a credit card and I have not got any debt or credit to my name. I just don't know what to do and why this is happening to me.
Product: Money transfer, virtual currency, or money service

Have been using Zelle for 4 years and have lost in unauthorized transactions want to be a part of the lawsuit against XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX and XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Several Items reporting inaccurately. XXXX XXXX  account paid as agreedXXXX XXXX paid as agreedSBA paid as agreedXXXX XXXX XXXX exceed the 7 year reportingXXXX  exceed 7 year reportingXXXX XXXX  exceed 7 yearsXXXX XXXX exceed 7 XXXX XXXX exceed 7XXXX account exceed 7 XXXX XXXX exceed 7
Product: Debt collection

Have XXXX  debt collectors changing the date the account was opened to current dates.
Product: Vehicle loan or lease

I paid USAA auto loan in full a month after getting the loan due to XXXX consecutive interest rate changes. I paid them on XX/XX/year> but still waiting for my title. They lied about the title being sent to the wrong address. Even if that were true all my previous mail was forwarded to me by the post office. I even requested a duplicate but after XXXX months, I am still waiting. I think they're refusing to give me my title because they weren't able to make more interest on my loan. I only paid XXXX dollars of interest and I feel like I'm being punished for paying off my loan quickly.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several items reporting on my credit file that does not belong to me. These items are reporting as a result of identity theft. 

XXXX XXXX - on Equifax for {$5600.00} XXXX XXXX - on all 3 Credit Agencies for {$520.00} XXXX - on all 3 Credit Agencies for {$0.00} XXXX XXXX XXXX - on all 3 Credit Agencies for {$75.00} XXXX XXXX - on all 3 Credit Agencies for {$110.00} XXXX - XXXX XXXX XXXX XXXX - on XXXX for {$63.00} Please remove unauthorized inquiries from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

On XX/XX/2017, I was contacted by phone by a collection agency seeking payment of a debt owed to A XXXX for counseling services. The agency would not identify themselves by name - only the fact that were attempting to collect a debt on behalf of A XXXX XXXX. The caller stated that I owed {$140.00} and requested immediate payment by phone. On XX/XX/2017, I was contacted by phone yet again by a representative of a collection agency who failed to state the name of the agency but were asking for immediate payment of {$140.00} on behalf of XXXX XXXX XXXX. XXXX of all, the amount owed to A XXXX is {$75.00}, not {$140.00} and I stated that I disputed the amount of payment that was being requested. A Beautiful Mind did not give me any written notice, such as a 10 day letter, advising that the debt was going to be turned over to a collection agency. The collection agency can not collect an amount greater than what is actually owed. Despite the fact that I was first contacted by phone on XX/XX/2017, the collection agency failed to " within XXXX days after contacting a debtor '' provide any written notice or the opportunity to dispute the debt. In fact, the collection agency would not even give their agency name - only the information that they were attempting to collect {$140.00} for A XXXX. The only way the collection was tracked was by the phone number that appeared on my phone. Not only is the collection agency being deceptive, but on their second contact of XX/XX/2017, they once again failed to send written notice of the debt within the required 5 days. The original creditor and the collection agency are both in violation of the FDCPA.
Product: Student loan

I am participating in the Public Service Loan Forgiveness program, and they have not provided with information regarding how many eligible payments I have completed. Despite multiple attempts at contacting them ( MyFedLoan ) for over 1 year asking for updated qualifying payment information, I have not received any information.
Product: Checking or savings account

On XX/XX/2019, I received 2 missed calls from XXXX. They called me a 3rd time and I answered. The automated voice said that my XXXX  account was hacked and that I needed to take action immediately. Since I had just finished exam week in college, I didnt think that this could be a scam so i stayed on the phone. A man with an XXXX accent then got on the phone and told me I needed to hurry and purchase XXXX XXXX gift cards for the amount of devices I have in my household in order for me to save my XXXX. He told me to go to a website on my computer and ran a fake security check to make it seem like all of the security on my computer was hacked and I was going to lose everything on it. I started to panic so I went to the store. He told me to purchase a {$100.00} gift card for each device. At first I only bought one for my phone then he proceeded to tell me that I needed to buy 3 more for my computer, XXXX, and Tv. So I returned to the store and got 3 more. He then made me read off the number on the back of the card to him. He told me the {$100.00} giftcard wasnt enough to get my XXXX  back because it wasnt a high enough ranking security. He sent me an email with a receipt for a refund for {$400.00} saying that the money was back in my account ( which was a lie ). He told me I now needed to get a {$500.00} giftcard to get my XXXX  back. Luckily I had misplaced my debit card and I couldnt buy another one. He stayed with me on the phone while I was looking for my debut card and kept trying to make me use a credit card to buy the gift card. He stayed on the phone with me for over an hour while I searched for my card. I then proceeded to call my mother to ask her if she could send me some money to go get the giftcard because I was so scared to lose my XXXX. She told me to look up if this whole thing is a scam and it was so I got off of the phone with the man. He then kept calling me repeatedly but I didnt answer. I filed a claim with my bank, Wells Fargo, immediately. They said they cant refund me the money back. I will attach copies of the emails and my call log below. I am now missing {$400.00} and Im just a young college woman who doesnt have much. I just got paid {$800.00} and now half of it is gone and I only get paid once a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company XXXX XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1000.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Debt collection

Thy put this on my credit XX/XX/XXXX after I sent then proof of this being paid. It was paid XX/XX/XXXX, cancel order XXXX, XXXX was told to discontinue service. At location XXXX XXXX XXXX XXXX XXXX Az XXXX, XXXX said thy ca n't delete the account per federal law. I request the account to be deleted and Pinnacle refused.
Product: Credit reporting or other personal consumer reports

Due to law 15 USC 1681 there should not be any damaging information on my credit report this is defamation of my character.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 a negative report was submitted against me by XXXX XXXX XXXX XXXX ( " XXXX '' ) [ XXXX XXXX XXXX XXXX, XXXX, Oklahoma XXXX ]. The report references account no. XXXX and indicates there was a charge-off of {$100.00} on that account. 

I called XXXX and spoke with a nice lady who indicated over the phone that I am not responsible for the account - she could not give me any further details, because she is not allowed to give that information to people who are not on the account. Nevertheless, some how or another, this account has been tied to me and now reflects a negative mark on my credit rating. The nice lady to dispute the negative report with XXXX. 

I could not file a dispute with XXXX. So I disputed the negative and erroneous report with XXXX. I told XXXX about the conversation with XXXX. However, the negative and erroneous report from XXXX is still, nevertheless, on my credit record. XXXX acts like it solved the problem, but clearly did not look into the matter or give it a modicum of thought. 

I sent XXXX another message regarding this situation, and got to speak with XXXX in the loan department. XXXX was very nice and explained to me what I had been told earlier, i.e., the account at issue is not my responsibility. XXXX/XXXX [ XXXX, ext. XXXX ] could not explain how the account/charge-off was filed against my credit rating as a bad report. XXXX suggested I dispute it again with XXXX. 

So, this morning I filed another dispute with XXXX. We'll see what happens, but I'm not going to hold my breath with that outfit. 

What I ask of the CFPB, and hope for, is that the erroneous report filed against my credit rating should be completely removed from my credit background/report as it may be curated by ( 1 ) XXXX, ( 2 ) XXXX, and ( 3 ) Equifax. Since XXXX admits the account/charge-off has nothing to do with me, and that I am not responsible for it, there is no reason why the report should have been filed against me in the first place, or why any reference to such a dubious and inaccurate piece of work should remain on file against me. 

I also ask the CFPB to communicate with XXXX  regarding this matter, in as much as XXXX may be of some help in getting the bogus report removed from my file ; also, perhaps the CFPB can better determine how this bogus report came about in the first place. So far, nobody seems able to explain that one. 

I am really at a loss to understand how something this sloppy and clearly wrong can be so hard to fix. The financial sector doesn't hesitate to wreck your credit if you owe them even a thin dime, but they sure as XXXX can not or will not get it together nearly as quick when it comes to fixing something as clearly libelous and wrong as what they have done to me in this case. 

CFPB, please help.
Product: Credit reporting or other personal consumer reports

Credit Bureau : XXXX, XXXX, XXXX. 


Dear Credit Bureau Representative : I recently reviewed a copy of my credit report and noticed the following information regarding inquiries to be in error. The Fair Credit Reporting Act states that the only permissible purpose for pulling a person 's credit report is ( 1 ) a firm offer of credit, ( 2 ) insurance, ( 3 ) an application for employment, or ( 4 ) a court order.

The following inquiries are not related to one of the allowable purposes, as I have reiterated from The Fair Credit Reporting Act. 


XXXX. Ally Financial XXXX XX/XX/2022 XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX. Ally Financial XXXX XX/XX/2022 XXXX. Ally Financial XXXX XX/XX/2022 XXXX. XXXX XXXX XX/XX/2022 XXXX. XXXX  XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX >> XX/XX/2022 XXXX. XXXX XXXX XXXX XX/XX/2022 XXXX. XXXX  >> XX/XX/2022 XXXX. XXXX  >> XX/XX/2022 XXXX. XXXX XXXX XXXX  >> XX/XX/2022 XXXX. Ally Financial XXXX XX/XX/2022 XXXX. Ally Financial XXXX XX/XX/2022
Product: Debt collection

I had two times with this company once in Fall of XXXX and once in XXXX of XXXX for two different accounts, who never sent me notices via USPS mail that I had a bill they were sending to a lawyers office in Illinois to serve me with legal documents and sue me to pay for a very old debt that was old. They are debt buyers who are known for being sued for their debt buying practices here in Illinois and in various other states for sidestepping the rules btw. I had no notification from them at all in regards to this old debt. I got no summons from the courts. I got no notification from the lawyers offices except a single piece of paper that arrived after the court date letting me know that it was being set and that I had to show up. It wasn't sent in the proper state law required certified, signature needed envelope or with all of the documentation needed for a court summons from a lawyer in regards to a debtor court hearing. It literally was just a single piece of paper about the court date, which mind you had already passed. This was AFTER they had already started taking money out of my paychecks. I had to reach out to my corporate offices ( who also didn't tell me about this happening ) to find out who was garnishing my wages, what it was for and how much and why. When I got that paperwork, it still didn't tell me the original creditor or give me documentation or copies of the bills. It just had the name of the debt buyer and the amount owed plus court costs. 

The name of this Debt Buyer is LVNV Funding LLC, they also own several other companies, who also show up on m Credit Report, such as Resurgent XXXX They have several complaints against them and very many lawsuits. Unfortunately we can not afford to sue them for this. They currently are taking TWO garnishments from my check and finished one already in XXXX. Had I known I could report them here, I would have done this much sooner!!!! 

LVNV Funding LLC is a debt collection agency. According to the Florida Division of Corporations, XXXX XXXX 's principal address is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Nevada XXXX XXXX The Consumer Financial Protection Bureau complaint database reflects XXXX complaints ( as of XX/XX/XXXX with a 3 year lookback ). 

We need to stop this company, any help would be greatly appreciated since they are going against the law in Illinois to buyout debt and chase after people who can't afford to pay their bills and doing illegal garnishments without properly notifying the debtors, putting them in worse situations than they were to begin with ( we almost lost our rental house and couldn't afford food or gas to work ).
Product: Credit card or prepaid card

Capital One is reporting incorrect information to my credit report. They have not updated my report since XXXX XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

What I want is for the unauthorized inquiries to be promptly removed and blocked from my credit report. This situation has caused me great stress and frustration, and Im hoping for a swift resolution so I can finally be free from the anxiety and shock this issue has caused.
Product: Credit reporting or other personal consumer reports

XXXX of XXXX Mass ran my credit with 8 different loan companies for a car after I told them do not do anything until I see you in person at the dealership but before I could even bring my information to them in person and talk about everything before I went through with anything. They did with no verbal or written consent. My credit score dropped XXXX points and no I can't even go to a reputable dealership to buy a car I've been working on my credit for the last year I have not missed a payment in 2 years on anything now my life is a disaster from this
Product: Debt collection

On XX/XX/XXXX at approximately XXXX I received a call from a gentleman with a foreign accent informing me he was calling me to collect a debt from XXXX of which I have no clue what he is referring to. He controlled the entire conversation, and was very rude. Every time I would try and say something he would over talk me until I had enough and finally raised my voice and told him that since he wouldn't let me talk the conversation is over and I hung up. He immediately called me back asking for me for my current mailing address. Mind you I don't know who this guy is or what he is talking about and I'm not about to give out my info, the address he had was my old address. I did give him my email and he sent me a debt collection for a card totaling over $ 11K+ My credit back in XXXX didn't warrant a card with that much credit. The info of the debt collection says the current balance is {$11000.00} but would settle for a single payment {$1200.00} if payed by XX/XX/XXXX and if not payed by that date they will pursue for the full amount. Again, they are talking about a card debt I don't know anything about from 12 years ago that I haven't heard a peep about ever.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX
Product: Checking or savings account

Stuff being drafted out of my account without my permission which causes my account to be overdraft. Then a fee charge to my account because my accounts overdrafted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM VICTIM OF AN IDENTITY THEFT, I HAVE SUBMITTED ALL MY REQUIRED ITEMS TO XXXX XXXX AND TO DISCOVER, THE CHARGES ON THIS PERSONAL LOAN IS FRAUDULENT. I HAVE NEVER REQUESTED A LOAN OF ANY KIND FROM XXXX. SOMONE STOLE MY INFORMATION AND OPENED A LOAN ACCOUNT WITH XXXX. I HAVE SUBMITTED ALL REQUIRED ITEMS TO HAVE THE FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT REPORT.