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

I HAVE REVIEWED MY CREDIT FILE AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT. THESE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I DON'T KNOW HOW THIS HAPPENED AND I HAVE NO IDEA OF ANYONE WHO WOULD BE ABLE TO DO THIS TO ME. I BELIEVE THAT I HAVE BECOME A VICTIM OF IDENTITY THEFT AND IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A DAMAGED STATE. 
I AM ASKING THAT RE-INVESTIGATION TAKES PLACE ON THESE ACCOUNTS AND INQUIRIES. I WOULD ALSO LIKE FOR ALL THE NEGATIVE ACCOUNTS AND INQUIRIES BE REMOVED OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THESE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Product: Credit reporting

XXXX XXXX Certified No : XXXX XXXX XXXX XXXX XXXXLienXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX. XXXX. XXXX XXXX, XXXX XXXXTrans UnionXXXX. XXXX. XXXX XXXX, XXXX XXXX XXXX, 2015RE : Lien- REQUEST FOR PROOF OF CLAIMCase or ID # XXXXYou are hereby ordered to CEASE AND DESIST to include, all phone calls and creditbureaus reporting actions! 
You are hereby in RECEIPT OF NOTICE of violations committed under these State and Federalstatues, Fair Debt Collections Practices Act, XXXX Debt Collections Practices Act, FairCredit Reporting Act, RCW 62A.3, RCW 19.16 and 19.86 UCC 3-501 ( b ) 2, USC 15-6802, Title 18 USC 241 and Dodd-Frank Act, regarding your above referenced file number andpresented with a CONDITIONAL ACCEPTANCE OFFER. 
In an effort to settle this matter in the most efficient possible manner, I herebyCONDITIONALLY ACCEPT YOUR OFFER UPON YOUR PROOF OF CLAIM your demandfor payment in the above named matter upon your complete and total fulfillment of the followingconditions:
Product: Credit card or prepaid card

Roughly about 6 to 8 months ago, I inquired and successfully was approved upon my submission of an application through major retailers store XXXX XXXX XXXX. I was approved for Apple Card offered through XXXX XXXX XXXX for qualifying customers upon meeting eligibility requirements. I did not authorize or pre-authorize any transactions or charges upon the opening of my account. Months later, I attempted to make a purchase using my Apple Card and associated Apple Card account. A few more months later, again I attempted to make another purchase and again my transaction was unsuccessful. I have reached out to Apple Card specialist and Apple Support teams and neither have been able to address the issue more so resolve my issue. The issuing bank 'Goldman Sachs ' disclosed to me that my account had been closed but did not specify the reason as to why it was closed. I did not authorize anyone on my behalf or on the behalf of the accountholder, which is a sole individual account, I am now trying to make a purchase for a product offered through XXXX XXXX XXXX for Academic Educational purposes. Any information you may inquire is solely at my discretion and I will be more than glad to provide any additional information. The problem is now I am trying to use my Apple Card to make a purchase but because of the unauthorized account closure, I have failed to proceed in making my transaction. My issue has not been resolved. I would appreciate any feedback or any solutions that the CFPB may offer or have on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and XXXX XXXX  was no successful resolution. XXXX was reporting me late. There was definitely an error on their part. I was never 30 days late -XXXX, XX/XX/2018 XX/XX/2018
Product: Credit card or prepaid card

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved.This account is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Also, please reinvestigate the whole information especially the account type, account status, payment status, comments, and payment history. Lets re, movet this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints
Product: Credit card

I recently opened a Citi credit card account in XXXX of XXXX. I have made on-time payments and remained well within my credit limit when using the card. 

On XX/XX/XXXX I made the minimum payment of {$230.00}. Every payment prior I have paid above the minimum payment. 
On XX/XX/XXXX I received an email from Citicards that due to information from my XXXX report they have reduced my credit card limit by {$1800.00} leaving an available balance of {$85.00} that prior to the payment was {$2300.00}. 

Per XXXX my credit score was XXXX with 100 % on time payments. 

I have made on-time payments, have not exceeded the card balance at anytime and have maintained in good standing with Citi and my other financial obligations. 

I feel this tactic now will force me to either pay the card off wholly or make a bigger payment than one can afford monthly. I find this practice unethical and know that I am not the only person this has happened to. 

It is curious that they can pull this information anytime, yet they wait until after the payment is made. Still with no foundation as to why and what they are looking for. 

I reached out to CITI customer service and after refusing to accept the referral to ask the Credit Reporting Company I requested a Supervisor. The Supervisor at that time was unable to offer any insight other than the standard factors that are looked at when granting initial credit. But this credit is established. 

I hope the CFPB is able to investigate and offer insight as to why CITI and other credit cards ( XXXX ) are able to manipulate your balances without direct cause or reason, ultimately causing undue financial hardships on the card holder when you have remained in GOOD standing. 

Thank You!
Product: Debt collection

Dear Sir/Madam, I am writing this complaint to address an alleged credit card debt collection associated with my name and account number mentioned above. I believe it's crucial to clarify the legality of this collection process. 

Credit card debts are not negotiable instruments and can not be sold or transferred as such. The sale of this debt as pursued by LVNV Funding raises legal concerns about its validity.

I kindly request that you provide sufficient documentary evidence demonstrating my legal obligation to pay this debt. If such evidence can not be produced and LVNV Funding continues its collection efforts, I want to make it clear that I will not hesitate to initiate litigation for the actual damages caused. Furthermore, LVNV Funding may be held liable for violations of the Truth in Lending Act ( TILA ), Fair Credit Reporting Act ( FCRA ), Gramm-Leach-Bliley Act ( GLBA ), Consumer Financial Protection Act ( CFPA ), the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act, Federal Trade Commission Act ( FTC Act ), and the Racketeer Influenced and Corrupt Organizations ( RICO ) Act.

I request the following information within 14 days : 1. A detailed breakdown of the alleged debt, including its origin and supporting documents.

2. Proof of the legal transfer of this debt and ownership for collection.

3. A copy of the agreement or contract related to this debt.

Failure to provide this information within the specified timeframe of 14 days will lead me to escalate the matter to regulatory authorities and seek legal counsel. 

I anticipate your swift attention to this matter to ensure its lawful resolution. 

Sincerely, Account Name : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter to Equifax on XX/XX/XXXX and made a follow up call late XX/XX/XXXX and was told by representative the investigation would be complete by XX/XX/XXXX. I called in XX/XX/XXXXand another representative said it would be complete by the following week in XX/XX/XXXX. I pulled my credit the day the dispute was " suppose to be resolved by '' and the dispute for the account named " XXXX XXXX '' was still in dispute. I received no updated correspondance and after calling the representative had to manually remove the dispute because it was past 30 days. By law this account is to be removed immediately. IN addition to this I have sent multiple letters to have this account verified. I have no such account for said amount and there has been no paperwork sent to me for the said account verifying accuracy of details or amount. I am simply asking for this account to be deleted permanently due to the dispute being over 30 days and unverified data after multiple letters asking to remit said detailed account.
Product: Credit card

Bank of America charged interest even though I paid the non promotional balance in full. When I took the promotional transfer they explained that the minimum payment would be allocated to the lowest finance charged balance, in this case the promotional transfer. Therefore I would have to pay the minimum balance plus the entire activity balance in order to avoid paying interest. They claimed to disclose that if I used the card for purchases that even if I paid the minimum plus the monthly activity in full that I would still be subject to {$1.00} minimum finance charge. I do not believe that this notification was made to me. How could I understand the intricacies of how the payments are allocated and not understand that if I chose to use the card while I have a promotional balance that I would pay a fee regardless of paying of the monthly purchase balance in full. I can no longer use this card for purchases without incurring a minimum finance charge of {$1.00} as long as a have a promotional balance.
Product: Credit card or prepaid card

My name is XXXX XXXX my social security number is XXXX and my year of birth XXXX my Macey account is XXXX my complaint is that Macey fraud dept closed my account thinking that the account was fraud I told them that all charges are valid. Also I've been a good customer with them van you please have Macey credit set me up a new card
Product: Debt collection

I noticed an account on my credit report listed in collections by Cavalry Portfolio Services for {$1400.00} that I did not recognize. I mailed a certified letter to Cavalry delivered on XX/XX/XXXX formally disputing this claim and requesting they provide me with proper validation, competent evidence bearing my signature, showing that I have XXXX or ever had XXXX some contractual obligation to pay them. 

They sent a response dated XX/XX/XXXX stating that the debt was verified, the debt was subject to resumption of collection efforts and updated their remark on my credit report as " Account information disputed by consumer, meets FCRA requirements ''. All that was included with this letter was one generic monthly summary for XXXX with only my name and mailing information in the account information section of the notice. 

I sent a second certified letter dated XX/XX/XXXX stating that the generic monthly statement summary they sent me does not constitute viable evidence showing this account is being reported accurately. I do not recognize this debt and they have failed to provide me with evidence of any legally binding contractual obligation that I owe them the alleged amount. In response, Cavalry sent me the exact same letter they sent the first time, only the date was changed to XX/XX/XXXX. With that letter they included 12 generic monthly statement summaries like the first one dated from XX/XX/XXXX to XX/XX/XXXX with only my name and mailing information in the account information section of the notices. 

The next thing I know I'm being served a summons for a pre-trial hearing. When I attended via XXXX on XX/XX/XXXX I met with an attorney representing Cavalry that told me that Cavalry did not have my signature on any documents but that the monthly statements that were provided to me were sufficient evidence and that they were suing me for the full balance owed and attorney costs. I now have a trial date set for XX/XX/XXXX. 

I do not recognize this debt, Cavalry never verified the debt, it was reported as if it was verified to the credit bureaus and their only response to my requests for more information was to sue me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I couldn't believe my credit report when I saw it. I'm trying to get a house, and I couldnt believe my eyes when I saw XXXX  XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX  XXXX on my XXXX, XXXX  and Transunion credit report. I wrote letters to them but they fail to satisfactorily verify the account, I follow up with them and gave enough time to correct this erroneous reporting but continued non compliance CFPB, you need to delete the account, the status is incorrect. In the mean time, I may not get my house at the rate I can afford! They already raised the rate twice. Please don't leave it this way -- I need to get the house! The above accounts should be reported as positive standing
Product: Debt collection

This item was purchased by a third party debt collector. This account must be deleted as the status is not correct and amount was paid for less than owed by the Third Party Debt Collector. The accounts is highlighted below. This information is NOT CORRECT & NOT ACCURATE. Therefore it must be deleted immediately Date opened : XX/XX/XXXX Jefferson capital syst Balance {$1500.00} Account number : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$880.00} Account Number : XXXX XX/XX/XXXX XXXX XXXX XXXX Balance {$640.00} Account number : XXXX How much did the collection company pay for this item? I dont know and neither does my credit report reflect such amounts. This is a clear violation of FCRA so the accounts is not accurate or complete. I would like these accounts deleted please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX yesterday about fraud and the rep said they only follow XXXX policy and was calling the other consumer reporting agencies bureaus and I told her they are not bureaus. That yall are reporting inaccurate information. A charge off is income and shouldnt be reported on my consumer report. The IRS already confirmed this. XXXX XXXX never sent me a XXXX and illegal sold a alleged debt to Jefferson Capital who I have no contract with that never provided DOCUMENTARY EVIDENCE. XXXX did not exercise their grave responsibility, they was unfair, they was partial, and they did not respect my right to privacy. They never had permissible purpose and I never instructed them to furnish negative information on my consumer report. They never had my lawful consent in the first place. Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. Also they rep said she can only do disputes. I demanded for it to be deleted/removed because that inaccurate information of the wrong name, charge off, and hard inquiries should not be on my consumer report. No consumer reporting agency got written instructions from I the consumer to report negative information and inaccurate information. They are acting as trustees!
Product: Credit card

I have an old Visa Vanilla gift card. I called the company to find out if there was a balance and how I could get a replacement since the card is now expired. The number on the card is no longer in their system, I assume because it is expired. They said without the number or the receipt of purchase they can not help me. I asked multiple times how they manage this if someone does not have the receipt ( gift card ) or the number is unclear and/or expired. They refused to elevate this to the next level and also were not able to provide on phone or from their website information on how to request the balance, a refund and/or updated card.
Product: Payday loan, title loan, or personal loan

On XXXX XXXX I applied for a personal loan through a company called Universal Credit. The loan was supposed to be used to help pay off some medical bills. The initial contact went well. I felt like I had an agent that represented the agency well until it was time for them to deposit the {$5000.00} check I had been approved for. The next day I had a different agent that had a XXXX  XXXX  accent he began reviewing my account and then stated I should receive the funds by XXXX. I then began asking how they would send the money if I hadnt signed paperwork and the agent transferred me to a supervisor named XXXX XXXX who then began telling me to download text free apps and any-desk which i found to be a hacking app. They then began depositing money into my account yet my bank placed a hold on it and when invoices that complaint they stated i would have to pay taxes to the ftc by simply going to XXXX and scanning a code. When XXXX failed they would say get XXXX  cards. When that wouldnt work and I eventually got tired of the run around they had someone call me claiming to be an officer XXXX XXXX from the county sheriffs department. The money was never deposited into my account and was ready for me to use. Between the XXXX and XXXX of XXXX this company deposited 6 fraudulent checks with incorrect dates and allotments. Now XXXX XXXX more in debt. Rent is due and i literally have no money. 
The phone numbers used for me are XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX The emails they used were XXXX XXXX XX/XX/23. {$990.00} XX/XX/23 {$990.00} XX/XX/23 {$2900.00} XX/XX/23 {$2900.00} XX/XX/23 {$2400.00} XX/XX/23 {$2400.00}
Product: Credit card or prepaid card

I paid my balance and to be sure I covered all outstanding charges I added an extra {$50.00}. This was over 90 days ago and I have not received the positive balance. I have called 3 times and was told there is no timeline for the funds to be remitted. I have been told that the request was already put in on their end but they have no further information. Considering the timeline I feel I'm owed the funds as soon as possible. I would like the process expedited and an explanation as to why they were not automatically remitted to me.
Product: Payday loan, title loan, or personal loan

Everyone needs to avoid XXXX. I used Affirm loan company to pay for XXXX  for services totalling in XXXX. XXXX monthly. The tutoring services I paid for were not as described. They never went over or tutored me on anything. They never answered any questions I had about the subject. They just sent me quizzes and passages about material that is not covered on the XXXX test. At 2weeks I noticed this pattern. I asked if I can discontinue and pay them for that 2 weeks which would be XXXX. They refused. I originally paid for a {$1900.00} 8week program. They wont give me material for 8 week just the 2 week because I opened up dispute with affirm. I am faithfully paying affirm XXXX each month for a service I am not getting from this tutoring company. I told affirm about this and so far they are siding with the merchant because of their no refund policy. I dont find it fair because I am not getting all my services nor a refund and I am constantly paying. I continued paying out of fear that affirm will mess up my credit and put me in collections. I keep telling affirm and opening disputes and telling them how I am not receiving services or my money back and how I am not receiving tutoring like the website claims. I really prefer my money back at least partial. Because the material they will send will be useless to the test prep and no actual tutoring. But at least I will get what I paid for. I cant get either. I dont know why affirm keeps closing my cases and allowing this or why they even deal with this illegitimate company to start with.affirm appears to always side with the merchant. I feel scammed of this tutoring company and helpless. Affirm is not helping. I would suggest that no one use affirm for any merchant. You will not get your money back if service product is bad/ nonexistent. Unless that merchant offers your money back you are screwed. Use your bank card to the merchant and ask for a loan seperately and put the money in your account. Dont do no loans asking for routing number, account number.
Product: Debt collection

This company has lied when they said they contacted me. I have proof that they have not mailed anything to me. I have the US Postal Service information that shows every single mail that has been delivered from XXXX.
Product: Debt collection

I'm responding to the CFPB complaint that your company responded to requesting additional information. 

I have reached out to the original creditor as well with this information. I have tried in the past to correct this with your company, and have been ignored until I filed with the CFPB. This will be my last attempt to get this removed. If it is not removed, I will be sending this over to an attorney to deal with.

Pursuant to FCRA 605B I am required to provide an FTC Identity Theft Report ( OR ) Police Report, the demand from your office for a police report violates this law. 

You will find attached to this email the following : Drivers License ( front and back ) FTC Identity Theft Report Renters Insurance showing that at the time, I lived in XXXX XXXX. 
The letter your company posted to CFPB website I have also CC'ed the company, Imprint.

Thank you for your timely attention to this issue. 

XXXX XXXX ( This is a copy of the email sent to the company on XX/XX/year> via email XXXX )
Product: Debt collection

This inquiry is in response to a letter I received from Sequium Asset Solutions , LLC asking for a response by XX/XX/2022. [ Reference XXXX ] On XX/XX/2022 I started receiving calls from this debt collection company alleging that I owe a debt and the company will be attempting to collect the said debt. I do not agree to pay or settle, admit to guilt, and/or any prior knowledge of said debt. I also do not know who gave this company the authority or jurisdiction to contact me, demand, request, or collect a debt from me. This is vey odd because I have never done business with Sequium Asset Solutions , LLC nor given this company permission to contact me. This company is based in another State and I do not have any obligation or signed contract to do business with Sequium Asset Solutions , LLC as an equal or as a consumer. I do classify as an American consumer and know that there are statues in place to protect my rights as a consumer but I'm not highly educated or claim to have mastered all or any legal terms, language, and clauses. However, I am indeed sure that Sequium Asset Solutions is a well known debt collection agency because they stated that multiple times during the call and it is stated in the letter that I received from the company. Some of the language used is confusing and gives me XXXX as a consumer ; It also makes me feel threatened and forced to be obligated or to comply although I do not admit guilt or prior knowledge of any alleged debt. I disputed this debt and collection thereof wholeheartedly and asked that Sequium Asset Solutions , LLC and/or affiliates stop collection immediately on the said debt and any additional amounts alleged to be owed by XXXX XXXX and to Cease and Desist contact by phone immediately. Any correspondence from this date of XX/XX/2022 is requested and can be accepted by U.S. Certified Mail to the address stated in the letter. I also requested all methods of verification, validation, to be thoroughly done. and documented for reference or further inquiry by me, within reason and their legal responsibility in accordance with Fair Debt Collection Practices Act. I have reason to believe this company is unfamiliar with or blatantly ignores FDCPA laws and regulations or practices. I have attached the letter I was sent and highlighted violations including 15USC 1692 b ( 2 ), 15USC 1692 b ( 5 ), 15USC1692C ( A ), 15 USC 1692d ( 2 )