23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Dispute of Inaccurate Information Pursuant to 15 U.S.C. 1681i ( a ) Dear XXXX XXXX XXXX I am writing to formally dispute inaccurate information that appears on my credit report. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), I am requesting a reinvestigation of the following items : Please provide a signed contract from the third party indicating the debt against me. 
I believe its possible fraud and/or inaccuracy. 
Account Information : Creditor Name : LVNV FUNDING LLC Account # XXXX Open Date : XX/XX/XXXX Balance : {$1900.00} Account Type : Debt Buyer ( Third Party ) Creditor Name : LVNV FUNDING LLC Account # XXXX Open Date : XX/XX/XXXX Balance : {$820.00} Account Type : Debt Buyer ( Third Party ) Creditor Name : LVNV FUNDING LLC Account # XXXX Open Date : XX/XX/XXXX Balance : {$560.00} Account Type : Debt Buyer ( Third Party ) Creditor Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$780.00} Account Type : Debt Buyer ( Third Party Creditor Name : XXXX XXXX XXXX  Account Number : XXXX Open Date : ( XXXX Day ) XX/XX/XXXX Balance : {$170.00} Account Type : Debt Buyer ( Third Party ) Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$710.00} Account Type : Debt Buyer ( Third Party ) Description of Inaccuracy : This item was purchased by a Third Party Debt Collector, LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account must be deleted as the status is not correct, the amount is not correct, and the account was paid for less than owed by the Third Party Debt Collector. 
I believe that the information listed above is inaccurate and does not reflect my true credit history. In accordance with 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I am requesting that you conduct a reasonable reinvestigation to determine the accuracy of the disputed information. 
I kindly request that you contact the furnisher of the information to verify the accuracy of the disputed item. During this reinvestigation, I ask that you consider any documentation or evidence that I may provide to support my claim of inaccuracy. 
I understand that, under 15 U.S.C. 1681i ( a ) ( 3 ) ( A ), you are required to complete the reinvestigation within 30 days of receiving this dispute, unless you notify me that an extension is necessary. 
If, after your reinvestigation, it is determined that the information is inaccurate, incomplete, or can not be verified, I expect the prompt removal or correction of the disputed item from my credit report. 
Please send all correspondence regarding this matter to the address listed above. I appreciate your attention to this dispute and your compliance with the FCRA regulations. 
Respectfully, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX # XXXX, n accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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: Checking or savings account

Opened a First Tech checking account under these terms and have not been paid out the XXXXXXXX XXXX bonus " First Tech Federal Credit Union is offering a bonus {$300.00} when you open a new checking account and complete the following requirements : Set up a new payroll direct deposit to your First Tech Rewards Checking of $ XXXX per month for a minimum of XXXX months Opened XXXX XXXX Direct deposit {$1000.00} XXXX XXXX Direct deposit {$1000.00} XXXX Direct deposit {$1000.00} XXXX Called XX/XX/XXXX will receive bonus at XXXX XXXX XXXX  XXXX, end of XXXX, early XXXX Called XXXX. Said the bonus will post by XX/XX/XXXX Called XX/XX/XXXX was sent to payments department. Will get a call back in a week Called XX/XX/XXXX should have been paid early in the month. Was gon na send to back office. Said I was gon na file a CFPB complaint because I'm not getting a clear answer or any call back on the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted my first complain on XX/XX/22. 
I have not received any replied from this company that keep reporting inaccurate information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently a few weeks ago I submitted an identity theft report containing fraudulent established accounts that were reported on my XXXX, Experian, and XXXX  credit file. As of today I received a response from Experian and XXXX in regards to my dispute with several of the fraudulent accounts still displaying on my credit file. Experian and XXXX  both have violated the Fair Credit Reporting Act as well as my rights as a consumer by continuing to report these fraudulent accounts on my credit file. Under section 605b, the fair credit reporting states accounts established due to identity theft must be blocked by the bureaus within 4 days of notification from the consumer. In addition Experian or XXXX  failed to provide 100 % accurate verification on how they verified the fraudulent accounts that are still displaying on my credit file. XXXX  has failed to respond to my dispute.
Product: Credit card

The JPMC Bank Visa card shown on my credit report is NOT MINE. I have no knowledge of this credit card. I have not applied for this card, and I never have signed up for this card # XXXX. Please remove this card from my credit report as soon as possible. 
JP MORGAN CHASE BANK failed to provide my signed application. It is identity theft transaction. This fake transaction should be removed from my credit report as soon as possible. It is also the violation of Federal Regulation of 609, the validity of the debt your agency claims I owe, pursuant to the Fair Credit Reporting Act ( FCRA ).

As stated in Section 609 of the FCRA, ( 2 ) ( E ) : A consumer reporting agency is not required to remove accurate derogatory information from a consumers file unless the information is outdated under Section 609 or can not be verified.
Product: Student loan

this is a formal complaint tht this company is violating several of my rights under the FCRA.In 15 usc 1681a2 under Exclusion states Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; However your company is reporting a late payment which Constitutes an experience and transaction to which both are part of the exclusion law stated above.Furthermore under 15 USC 1681 congressional findings ( 4 ) states there is a need to insure the consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy to which this company has failed to do. Due to The above mentioned reasons please removed the late payments on the following accounts on my credit report which are reporting illegal. 
Dept of education account # XXXXlate payment.

Dept of education account # XXXXlate payment.

Dept of education account # XXXXlate Payment.

Dept of education account # XXXXlate payment.

Dept of education account # XXXXlate payment.

Dept of education account # XXXXlate payment.
Product: Vehicle loan or lease

I bought a used XXXX XXXX when I was XXXX XXXX XXXX. I had little credit and had been denied over and over again and I was desperate. The sticker price of the vehicle was {$13000.00} give or take and I barely got approved but never the less was approved by American Credit Acceptance. I was young, I had been in the dealership for nearly ten hours, and I felt like I had no choice but to accept. I was told my monthly payments which were technically within the budget I had naively set for myself and I was rushed through the paperwork so as not to dwell on that fact that not only was I sold an extortionate service contract I didn't ask for but that I would be signing for 26.6 % apr and it would cost me $ XXXX should I pay the loan as intended. ( Not that anyone every expected me to get that for or cared whether I could ) At the time I was making $ XXXX plus miniscule tips and it was immediately apparent I could barely afford this vehicle. I've since gotten better jobs and struggled with this XXXX car for nearly 3 years, earning myself XX/XX/XXXX of dollars in late fees and paying nearly the entire sticker price of the car in interest without touching the principle balance. I couldn't afford to insure it, I couldn't afford to maintain it, it's currently dead outside my house and I'm about to surrender it to ACA but I know they're going to sell it for {$3000.00} and come chasing me down for the deficiency and I've had it. I should've never been offered this loan and it's criminal nickel and dime me three years later having already collected the entire value of the vehicle from me and still demanding an additional {$17000.00}. I made a mistake and I learned the hard way. I shouldn't have to pay for it for the next half a decade. American Credit Acceptance should drown in their debt.
Product: Debt collection

From XXXX XXXX XXXX, my paychecks were garnished for a tax debt owed to the City of XXXX, OH. The amount garnished was a little over {$3000.00}, and the debt was paid in full. The garnishment was initiated and collected by Weltman, Weinberg & Reis Co ( WWR ). 

WWR is now attempting to again garnish my paychecks for the same debt, in the amount of {$770.00}. 

This debt was paid in full and this second garnishment attempt is a clear violation of the Fair Debt Collections Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report to see an old account from Citibank reporting. As stated when I phoned Citibank about the old account, I lost my job and became homeless. Thats why I fell behind on my payments. As soon as I got a job, I began to take care of the balance owed. However, even though Ive been furloughed due to XXXX, I still made payment and settled the account for less than owed. I was told once my balance was on {$0.00} it would be deleted from my credit report.
Product: Credit reporting or other personal consumer reports

I pulled my credit report and noticed unauthorized inquires in my report. I would like for theses inquires to be removed as I did not authorize these companies to run my credit.
Product: Debt collection

Reference Complaint # XXXX Notice -failure to comply with Validation Affidavit -15 USC 1681 Sec 604 a -15 USC 1681 C ( a ) ( 5 ) -Acct status incorrectly reporting open -no deficiency was reported -lender failed to communicate personal items and process on return.

-failure to communicate sale of vehicle -breach of peace from gated community Fee schedule is attached for appropriate collection of fees violated. 
Remit payment XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Checking or savings account

While visiting XXXX XXXX on XX/XX/2023 i purchased a tee shirt from a souvenir store, " XXXX XXXX XXXX '' in XXXX  XXXX, XXXX. When we returned home we noticed they charged my account {$10000.00} rather than XXXX XXXX. During this transaction I did not put in a PIN number nor was I asked to sign the receipt transaction. 
( We have never purchased anything this expensive let alone placed that kind of charge on a debit card. We have been with Suntrust which is now Truist for over 12 years now. ) We immediately contacted the Truist Bank that we have our checking and debit account with. They submitted it to their fraud department and after only a day of evaluation sent a form letter stating they found that the amount was authorized and there was nothing they could do. We called the fraud department phone number on that form letter on XX/XX/2023 and after holding for a Claim Supervisor, XXXX, it was explained that since the purchase was made with a chip card it did not require a PIN number or a signature and was automatically authorized by the bank. When I inquired about the banks protocols to catch fraudulent charges such as an exact XXXX dollar charge from a souvenir shop in XXXX XXXX, I was told they did not have the " man power '' to contact individual clients when there seem to be suspicious charges. 
I asked them if there was anything they could do since this was obviously a fraudulent charge and he said there was nothing they could do on their end. He said I would have to reach out to the merchant and get refunded. 
What I realized is that Truist will allow any type of charge to go through on its debit and CC no matter how absurd it appears because they do not have the " man power '' to contact the clients before the funds are withdrawn.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and i see alot of these inquiry on my credit report that i have no knowledge of any of these and i am a victim of identity fraud and it is on my credit report.
Product: Credit reporting or other personal consumer reports

I did not initiate any transaction, application, or request for credit with XXXX XXXX on or around the date mentioned above, I believe this inquiry was made in error or as a result of fraudulent activity. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that this unauthorized inquiry be removed from my credit report at the earliest possible time. Please provide written confirmation that this inquiry has been deleted from my credit report. Enclosed with this letter are copies of my credit report highlighting the unauthorized inquiry, a copy of my identification, and any other documentation you may require to proceed with this investigation.
Product: Debt collection

I was contacted by a debt collection company by the name of Genesis pertaining to two small collections from apartment complexes. These collections are relating to application fees for apartment complexes that were applied for under my name from a person pretending to be me. The debt collection company. Requires me to send them a number of documents, verifying my recent home address, as well as a signed and notarized complaint to the CFPB. Once I provide these documents, I am told they will close out the collection. 

They explained that there is a collection from XXXX XXXX  from an application made on XX/XX/year>. That collection is in the amount of {$580.00}. The second collection is from XXXX XXXX XXXX from an application dated XX/XX/year> in the amount of {$100.00}.
Product: Credit card

I have received the following email : ( mind I never applied for anything ) When I called the phone number the automated system has requesting the full SSN #. After going through the menu without providing the information, the customer service rep informed me that without the SS # he is not able to access my account. I'm sure they are collection people 's SS # and using them for criminal activities. 

I hope, something can be done to shot down this operation. 

NetSpend www.netspend.com Account Issue - Contact Customer Service XXXX www.netspend.com From : XXXX To : XXXX Tue, XX/XX/XXXX at XXXX XXXX Dear XXXX, There may be a problem with your Netspend XXXX, Account ending in XXXX. Please call customer service immediately at the number on the back of your card or XXXX. 

Sincerely, Your Netspend Card Team XXXX XXXX This message was sent to you because of changes, updates, or transactional activity on your Netspend XXXX. We are required to send you such notifications regardless of your unsubscribe status for your protection. Please do not reply to this message. E-mail Security Information Message intended for : XXXX ; Account Ending XXXX. 
( C ) 2024 Netspend Corporation. All rights reserved worldwide. Netspend is the federally registered U.S. service mark of Netspend Corporation. All other trademarks and service marks belong to their owners. Netspend Corporation XXXX XXXX XXXX XXXX, TX XXXX Netspend Corporation XXXX XXXX XXXX XXXX, TX XXXX 2024 Netspend Corporation. All rights reserved worldwide. Netspend is the federally registered U.S. service mark of Netspend Corporation. All other trademarks and service marks belong to their owners. 

Best regards, XXXX XXXX
Product: Credit card or prepaid card

I noticed when checking my credit report that a late payment was reported by Comenity to the credit bureaus. As explained over the phone, I believe that this was due to an issue with the paperless statements not being sent to me. As soon as I realized I had a balance on this card, I paid the balance in full. I've since set up autopay to pay the entire statement balance each month. 
I am under the impression that Comenity as a creditor must mail or deliver ( via email ) a periodic statement as required by XXXX for each billing cycle at the end of which my account has a debit or credit balance of more than {$1.00} or on which a finance charge has been imposed. 
As mentioned previously, I had not received a statement and had no way of knowing that a payment was due on this card. I believe that by me not receiving a statement, this prevented me from making a timely payment due on this account. 
I messaged Comenity attaching a copy of my email inbox containing all estatements sent to me for this account this year. As they could see, I did not receive any statements for this account prior to XXXX of this year. I am signed up for paperless billing and believe I should have been receiving these statements via email, as nothing was coming via postal mail either. I believe this was a technical issue or a glitch with Comenitys statement delivery and I should not be held responsible or penalized for their failure to issue me a statement as required due to technical issues.
Product: Credit card or prepaid card

DEAR CONSUMER FINANCIAL PROTECTION BUREAU SO IM SUBMITTED WRITTEN ONLINE COMPLAINT I HAVE AGANIST BANK FINANCIAL COMPANY THAT ISSUES PREPAID VISA CARD TO CONSUMER SO NAME OF BANK ISSUES MY VISA CARD ISSUES XXXX XXXX  DEBIT VISA CARD ACCOUNT CASH APP VISA CARD CUSTOMER SERVICES DEPARTMENT TELEPHONE NUMBER XXXX SO THE MAIN PROBLEM ISSUES IM HAVING WITH MY VISA CARD ACCOUNT THE BANK CLOSE MY VISA CARD ACCOUNT WITH OUT MY CONSENT OF KNOWLEDGE SO I HAVE SENT BUSINESS EMAIL ADDRESS BUSINESS RESPONSE THEY COULD NOT HELP ME BUSINESS REFUSE TO REOPEN MY VISA CARD ACCOUNT AGREEMENT I HAVE ON FILED WITH BANK CARD ISSUES BUSINESS EMAIL ADDRESS XXXX XXXX
Product: Credit card or prepaid card

I've been calling to get a new card as I lost mine and suddenly got a closed account alert. 
I immediately called to get it reinstated and was blown off by everyone I spoke to who did all but laugh at my predicament. I was also told by a manager that them closing my account would have no impact whatsoever on my credit score which is incorrect information.

I explained that I have called many time and to look at my records as my card was lost many months ago but no replacement was ever sent.

The manager told me that they did not need any reason and can just cancel my credit cards for any reason at any time. 
This has ruined my credit as it was my longest card. 
I had no notice at all that they were planning on closing it.
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please Be Advised I have wrote multiple of letters. The inaccurate accounts remain on my credit report ( US Dept Of ED XXXX in the ( Date Opened, last reported, Date last Active, Date of last payment section. XXXX  is reporting different information than XXXX  is reporting show that there is a late fee which is also incorrect account was never late. These accounts seem to be furnished by the same creditor so why is all provided data different. It is your duty to insure that all information that reported is consistent and most importantly accurate and you have failed to do so please Delete this erroneous item immediately. 

Attached you will find documents of the account. 

If you find that the information is inaccurate I am asking for the account to be removed from my credit report as soon as possible please. 

Account name : US Dept ED XXXX Credit Bureau XXXX XXXX Account Name US Dept ED US Dept ED Account Number XXXX XXXX Date Opened XX/XX/XXXX XX/XX/XXXX Last Reported XX/XX/XXXX XX/XX/XXXX Date Last Active XX/XX/XXXX XX/XX/XXXX Date Last Payment XX/XX/XXXX XX/XX/XXXX