23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Original creditor : unknown Account type : Charge Off {$1400.00} Date open : XX/XX/XXXX LVNV FUNDING LLC NOTICE OF DISPUTE ; VALIDATION AND PROOF OF CLAIM HAS NOT BEEN MET!

To Whom it May Concern Your company LVNV FUNDING is illegally trying to collect and is furnishing false items that violate my consumer rights and FDCPA, FCRA, TAX Regulations and PRIVACY ACT OF 1974. LVNV FUNDING has no legal rights to a charge-off. As stated by the IRS, Cancellation of a debt may occur if the creditor can't collect, or gives up on collecting, the amount you're obligated to pay. In general, if your debt is canceled, forgiven, or discharged, the amount of the canceled debt is taxable. If taxable, you must report the canceled debt on your tax. The key word in what the IRS definition of a charge off was you dont have to pay, so you can not attempt something that is canceled and written off as a tax deduction. 
15 usc 1681a ( 2 ) definition rules of construction debt is forgiven or discharged, the debt is considered canceled for the forgiven or the amount of the canceled debt is taxable. If taxable, you must report the canceled debt on your tax.

The key word in what the IRS definition of a charge off was you dont have to pay, so you can not attempt something that is canceled and written off as a tax deduction. a Form 1099-C, means an applicable entity has reported an identifiable event to the IRS If you're discharged, you no longer need to pay. regarding a debt you owe.

The key word in what the IRS definition of a charge off was you no longer need to pay, so you can not attempt something that is canceled and written off as a tax deduction. 
Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return Schedule 1 ( Form 1040 ), line 8c, if the debt is a nonbusiness debt ; Code GDecision or policy to discontinue collection. Code G is used to identify cancellation of debt as a result of a decision or a defined policy of the creditor to discontinue collection activity and cancel the debt. For pur- poses of this identifiable event, a defined policy includes both a written policy and the creditor 's established business practice.

The account summary Lvnv Funding LLC submitted through the CFPB website the historical account information in your reply shows the original creditor charge off the account and the charge off amount was for {$1.00} after it has been changed off that makes it non collectible anymore 15 U.S. Code 1692e - False or misleading- A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt.

( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.
Product: Checking or savings account

Did a mobile deposit of a check amount of {$950.00} XX/XX/2018 check was processed next business day on XX/XX/2018 but now there is a hold on the check for funds until XX/XX/2018 attempted to get hold removed by both customer service and going in person to a branch was told nothing could be done to remove the hold had the bank account for more than 2 years never had to do a mobile deposit since this was for a new employer and previous employer was always a direct deposit, was not even given the option to have XXXX or a set amount to be available immediately now I will get overdraft fees for a automatic payment that will process on XX/XX/2018
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has a account of XXXX this is not my account it was open fraudulent under my name an it should be removed it's not my account it's fraud
Product: Debt collection

The collection company said that a locator was calling to locate me, I attempted to provide my current address. They called my place of employment not only my direct number, but also our legal head quarters and told them there was a claim against me with our litigation attorney. They refused to mail me anything or update my contact information. They refused to stop calling my place of employment. They contacted my Mother and Father. They told me that a suit is being filed and there is a pending claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, NV XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$9700.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$530.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$580.00} XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

The accounts are due t identity fraud/theft therefore i am not responsible nor liable for them. Per 15 usc 1681 b the companies and bureaus are violating my rights as a consumer and i am requesting that these accounts be removed, blocked, and deleted asap!
Product: Credit card or prepaid card

I had logged on tried to " schedule '' a payment with Discover.com. 
The payment was charged early, and while the money was in the account, it had not been transferred over yet, because it went as scheduled. 
The {$29.00} fee did not show up until the end of the month and is not disputable. Which is incorrect, I am formally requesting arbitration per the customer agreement, with the CFPB as a witness. You may have your {$29.00}, but you will earn it. I dispute this charge as unreasonable. I look forward to working in person to address these issues. 
It is unfortunate that we live in world where corporate America is so greedy they would XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX if they could charge for it! God Bless America though!
Product: Debt collection

CREDIT COLLECTIONS SERVICES is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$52.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these accounts and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX my account was closed, I had a balance of {$370.00} in the account. I was told a check for that amount would be issued on XX/XX/XXXX and would arrive within 7-10 business days. It had been 15 business days and I havent received anything. I have called several times about 10 times and have been told it was sent to the wrong address and another check was issued. I then called back to find out that another check was not issued. I was then told it can take another 5 business days. I have been getting the run around and they are not releasing the funds that are mine.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair credit Reporting Act XXXX Account # XXXX, has violated my rights.

15 USC 1681 section 602 States I have the right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

XXXX XXXX XXXX , XXXX. located in XXXX XXXX, MN claims that I owe a debt of {$1100.00} and that the original debtor was XXXX. I sent the initial letter disputing the debt on XX/XX/2018. XXXX XXXX replied claiming that the debt was " verified '' however, they have failed to provide competent evidence BEARING MY SIGNATURE, showing that I have ( or ever had ) some contractual obligation to pay them. This is a violation of FCRA & FDCPA. If a company is unable to validate the debt, it must be requested by the credit bureaus that the entry be removed. 
On XX/XX/2018, I sent a second letter to XXXX XXXX requesting, yet again, a contract bearing my signature as proof that I have a legally binding contractual obligation to pay them. XXXX XXXX responded with an itemized statement rather than my signature on a contract. I requested for them to provide the name, address, and telephone number of each person who personally verified this alleged account, so that I may inquire about how they " verified '' without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, they must be aware that a printout of a bill or itemized document does NOT constitute verification. 
I am a victim of identity theft, and I am simply requesting proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Equifax, XXXX, and XXXX to file a dispute regarding the information on my credit report. I disputed a bankruptcy and hard inquiries. I asked for information on how the credit bureau verified the information they were reporting and they declined to provide that. I requested the credite bureau remove the information they are reporting regaring a bankruptcy and 4 hard inquiries from my report since they can not provide documentation of how the information was verified
Product: Credit reporting, credit repair services, or other personal consumer reports

Furnishing personal information that is not accurate. Also furnishing report without consent
Product: Checking or savings account

Citibank froze my account at some point on XXXX. This hindered me from placing trades before the market closed, and these restrictions currently still prevent me from placing trades. Im dealing with losses of thousands of dollars at this point, and with no end in sight, as they refuse to help or answer questions. I might lose even more, so much so that I might end up indebted to Citi, as I utilized some margin. They refuse to even trade on my behalf, and I mean refusal to cover/close the previously mentioned positions versus not opening/initiating new positions.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My ex-wife charged a cell phone to an account I did not know about. This charge was after the marriage ended. 

This was a fraud. I should not be responsible for something that was done without my approval. 

I contacted the merchant and explained that I did not approve this charge. I was not utilizing this account in any form. This account was managed without my awareness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoken to the debt collection agency about this debt being paid off to the original debtor. I submitted documents stating I am no longer responsible for this debt. I also sent to the Equifax, and they said the dent is verified.
Product: Money transfer, virtual currency, or money service

I was in process of initiating two payments to XXXX XXXX. When I started typing XXXX 's name the Venmo app algorithm automatically suggested a wrong recipient : XXXX XXXX. Not paying attention, I clicked on the name that the Venmo App was recommending. I would not have clicked on the wrong name if the Venmo App had not recommended that I click on the wrong name : XXXX XXXX instead of the person I intended to send the payment to XXXX XXXX. 

XXXX XXXX is a former XXXX  I had exchanged XXXX-related emails with 5 years ago when I was attending the XXXX XXXX XXXXXXXX XXXX I never had any financial transactions with XXXX XXXX. I barely know him. I never had any transaction with XXXX XXXX using Venmo. There was no reason for Venmo to auto-populate his name in the recipient field. I think that doing so was deceptive and took unfair advantage of the fact that was not paying attention and assume that the Venmo XXXX would not mislead me. 

After realizing and immediately notifying Venmo of the error, I asked Venmo to reverse the transactions. Venmo first made me believe that they will reverse the transactions. Two days later, Venmo claimed that after mining some data about me, without my consent and without even telling me which data they mined, they noted that I have exchanged some emails with this former classmate 5 years ago and that was ground for them to deny the reversal of the erroneous transactions. 

This decision from Venmo is unfair, deceptive, and abusive. It was unfair and deceptive to use their algorithm to prepopulate the recipient name field with the wrong individual using stale 5-year-old data mined without my permission. It is abusive to harm me by refusing to reverse two transactions due to an error that Venmo Algorithm initiated by auto-populating the recipient filed with the wrong name.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX / Movement mortgage account on my credit report is still showing open with a balance. account was closed and transferred to another lender which is XXXX. XXXX  account is reporting as correct and accurate. The XXXX / Movement mortgage account is negatively affecting my debt to income ratio since account is still showing as open. Please update as closed or remove from my credit report. Account was disputed online with equifax confirmation number XXXX
Product: Checking or savings account

Simple switch to BBVA bank and I can not access my own funds, account is locked, can not get any info from BBVA.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I summited a request to have accounts verified that are reporting on my credit report. Upon completion The Credit bureaus stated XXXX XXXX XXXX # XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. I attached proof showing the inaccuracies. This ground for removal! They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report as well
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I filed a complaint with the Consumer financial protection bureau regarding incorrect reporting in my credit report. Transunion has not yet finished my Dispute with XXXXXXXX XXXX XXXXXXXX. However as of XX/XX/XXXX my credit score has decreased from XXXX to now XXXX in less than one month after my file dispute. Nothing in my credit report has changed and my payment history is currently exceptional with no missed payments or new hard inquiry. The only missed payments are the incorrect data from XXXX XXXX back in XXXX which is currently unchanged or corrected regarding my dispute with Transunion. How can my credit report decrease XXXX points when nothing has changed with my credit report? The other credit reporting agency 's credit score has not changed regarding my dispute with XXXXXXXX XXXX XXXX that is much higher than my recent decreased credit score with Transuion.The previous dispute information is below with attachments. 




I made Payments On the loan on XXXX and XX/XX/XXXX and XXXX XXXX reported it as late non payments which is false. XX/XX/XXXX XXXX XXXX Sold/Paid off the loan when I was current on my Monthly payments ( Exhibit A ). XXXX XXXX never informed me that the loan was sold/paid off but instead filed foreclosure on a home loan they no longer had possession of which is fraudulent. Im Disputing and requesting the Loan payments on my credit report from XXXX XXXX to be removed from the dates XX/XX/XXXX to XX/XX/XXXX from my credit report. XXXX XXXX dismissed the foreclosure case in XX/XX/XXXX when admitting an error regarding foreclosure and payment history. Then I was given a release of mortgage which was given to me regarding my home mortgage account with XXXX XXXX. When the Release of Mortgage should have been giving to me back in XXXX not XXXX. This false information by XXXX XXXX is adversely affecting my credit report.
Product: Checking or savings account

I can't remember the date but I know it was XXXX  I opened account with them in downtown  XXXX RI. That's when they said I owed money that was an error, they even said that they will open an account with me and try to resell the matter which never happened. A month later I went to open an account with XXXX and they said their was a consumer report possible fraud, was so upset I went and closed my account. I called you guys and they told me to write a letter and send it in, which I did, I called back about 60 to 90 days after and they told me it was off the consumer report, but a few months ago I received a letter from a collection agency stating that Bank of America is stating I still owe them money which was supposed to be resolved and tried operating an account with XXXX and they denied me because of Bank America, this bank is the worst, I never owed any money or when they opened my account they would have put a negative balance, I just want them to stop Harassing me and lying to other banks or creditors, I just want this negative statement off my consumer report indefinitely.
Product: Checking or savings account

I bought a watch on XXXX, that was like new. The watch arrived damaged, likely from being poorly packaged in transmit. I tried to return it XXXX XXXX has a money back guarantee but they refused, and said they will only give a partial and I have to get it serviced ( but service takes months and is in XXXX ). XXXX told me in writing they would give a partial refund ( eventually oscillating and offering a full ) but never did. I contacted Wells Fargo bc I used my debit card, and they offered a provisional credit, but now they are saying my evidence wasnt legible ( even tho they were screenshots and the agent on phone I spoke with said they were ). Wells Fargo also wont tell me what info they need or want, and Ive been proactive in contacting them but they arent responding or helping me, and were actually really rude and dismissive on our last call, which prompted me to contact CFPB. This was a XXXX $ USD watch, and was bought on XX/XX/23. I opened an XXXX case immediately and when they refused the return ( and said the choice was irreversible ), I opened a wells case immediately. But wells isnt helping and keeps saying they cant help and I need to go back to XXXX, but XXXX closed it and I cant call and have to go thru email and nothing gets done ( I filed the complaint w them around thanksgiving ). I am so frustrated with wells and feel like theyre stealing my money and Im getting stuck w a broken used watch which wasnt what I purchased or paid for.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to remove from reporting : XXXX XXXX-XXXX-Balance {$660.00} XXXX XXXX XXXX-XXXX-Balance {$6500.00} XXXX XXXX-XXXX-Balance {$9900.00} XXXX XXXX-XXXX-Balance {$0.00} XXXX XXXX-XXXX-Balance {$300.00} XXXX-XXXX-Balance {$2300.00} XXXX-XXXX-Balance {$630.00}
Product: Vehicle loan or lease

I have tried to call the Ally bank multiple times to see what is causing the lease buyout from being completed. The money was already accepted by Ally Bank on XX/XX/XXXX and the title has already been transferred. I have never once received a call back from a supervisor or when requesting a call back from them. If they have called they've never left a voicemail so I know it's even them calling. I filed a XXXX complaint to try and get some attention to my situation and still nothing. They have now reported to the credit agencies that my account is past due even though they have the money for the buyout and the title has already been transferred.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable XXXX and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX  XXXX XX/XX/XXXX - XXXX & XXXX XXXX XXXX XXXX XX/XX/XXXX {$12000.00} - XXXX & XXXX XXXX XXXX XXXX XX/XX/XXXX {$35000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX {$20000.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$5900.00} - XXXX XXXX  XXXX XXXX XX/XX/XXXX {$15000.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$26000.00} XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Debt collection

I'VE BEEN A VICTIM OF IDENTITY THEFT AND NOTICED COLLECTION ACCOUNTS REPORTED ON MY REPORT THAT ARE A RESULT OF THIS.