23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am 100 % service connected XXXX veteran and XXXX the department of veteran affairs handles and pays 100 % of all my medical bills, yet this collector continues to place negative things on my credit report three times a week sometimes twice a day on three accounts that was approved by the VA, this is willful and deliberately destroying my credit Please cease and assist your destructive practice when you were shown proff the va authorized these medical bills that you listed as a loan stop its not a loan but medical that should not even be reporteted
Product: Vehicle loan or lease

My vehicle was repo'ed by exeter finance llc. i sent notices and demanded the return of the vehicle. 
they are stealing what belongs to me. As a Consumer i entered into a credit transaction were XXXX XXXX XXXX XXXX XXXX XXXX MO, XXXX. They failed to tell me full disclosure of the contract and failed to let me know my rights as a consumer. We were told we were approved for financing but had to put down {$1800.00} under 15 usc 1605 no down payment is required under a consumer credit transaction. So we had to turn over {$1800.00} ( Highlighted in a picture ). Then we were told we can't get our keys until we buy our own insurance. But federal law says if there is a Finance Charge everything should be covered including insurance. Now exeter finance is the institution that stole my vehicle. having my XXXX XXXXXXXX XXXX repo 'd when they should have applied the finance amount to cover the XXXX. They have no rights to my vehicle and i told them this. 
I've sent 2 rounds of notices to them that i will upload. Both notices have federal laws in them demanding my property back. I want them to return my XXXX and cover the tow lot fees. Or they will be liable for the finance amount times 2 according to federal law for the violations on the contract. 
Financed amount is {$20000.00} so doubled is {$41000.00}
Product: Credit card

I have a credit card by jet blue Barclay bank. I also set up a monthly withdrawal for the full amount of my spending. The last month was a special month I had a bill of over {$2.00} so I called up the bank a week before the due date, and told them not to charge me this month on my regular account, and I gave them a different account with the banking routing number and account number and told them to charge {$2300.00} instead of {$2000.00} they took the information. The next week I go to my account and I see that they charge me {$29.00} for a return fee so I called him up and told him its impossible. The account has much more money than the {$2000.00}. The bottom line is that they told me that they try to get the money out of XXXX XXXX which is the regular bank that they took it out from XXXX XXXX, so I told them why did you do that? I gave you a different account number specially this month that you should take it out from there i usually do it with other cc companies and I have no problem. He told me this is what we do we go to the regular bank. I told him but I told you you cant take it out from the regular bank, well anyway theres nobody to talk to he claims that he did the right thing, and Im telling him that I gave you a special account number where to take the money out from he says I see it but thats what we did and we are not giving you back the {$29.00}, and I think that he is not right, they should give me back the {$29.00} because the mistake is theirs. I am very annoyed at what they did. They had no right to go to XXXX XXXX after I gave him all the information from the other account where to take the money from.
Product: Vehicle loan or lease

On XX/XX/year>, I acquired a car via credit from XXXX. XXXX XXXX via consumer credit sale. The agreement between myself and XXXX. XXXX was then assigned to Credit Acceptance Corporation. Recently while going over the details of the agreement, I noticed misrepresentations and errors within the agreement. I've reached out to Credit Acceptance via U.S. postal mail disputing the alleged debt, requesting full disclosure of agreement, and requesting proof of adequate assurance of due performance. I've also reached out to the dealership as well, because I was led to believe that my down payment was applied to and subtracted from the sales price of the car.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has been reporting credit debts on my credit report for years. These cards did not and do not belong to me. We have talked with USAA, the company in which the cards were issued from. USAA has contacted the credit Bureau explaining the situation and has requested for these cards to be removed. I have filed several disputes over the years to have these reports removed and XXXX  still has not removed them. Please check the date 's and information on attachments to see the amounts and date for BOTH credit cards from USAA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Equifax Most recently on XX/XX/XXXX I sent a complaint to Equifax in regards to a incorrect reporting on my credit report. this debit is not mine. so how can they have validated this debit. i still have not received a response from the creditor or any supporting documents from equifax in regards to this debit beside a credit report updated that list the debit as accurate. its is a false reporting and equifax has not fixed it. i was giving no knowledge of this debit before it was placed on my credit report. 


My primary complaint in all of this is Equifax, none of this would have happened if my personal information had not been part of their data breach, and now they are making it very difficult to correct an incident of identity theft. Equifax 's customer service is a brick wall that is impenetrable. I spent an hour on the phone on with 4 different operators, one of whom 's English was so bad it was obvious she was guessing what I was saying and then reading prompts from a script. The other credit agencies have been very easy to work with ( XXXX AND XXXX ) but when I speak to their customer service agents, they inform me that the incorrect information was given to them via Equifax 's records, so only an Equifax investigation will result in the information being removed. 


I have full faith and credit from the department of state. See Im attached documents I want all negative items and hard inquiries removed from my report. 15 U.S. Code 1692e, 15 U.S. Code 1692f, 15 U.S. Code 1692g, hjr 192 public law 73-10, 12 U.S. Code 411. Article 1 section 10 United States America republic constitution 12 U.S. Code 411. Issuance to reserve banks ; nature of obligation ; redemption Article 1 section 10 United States America republic constitution I also have soft and hard inquiries on my Consumer report from several entities that I did not authorize, I have to filed an FTC report with identitytheft.gov Please remove these unauthorized inquiries as well as invalid accounts from my equifax, XXXX, and XXXX XXXX reports. The accounts and inquiries I do not recognize ot authorize are as follows : Accounts - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 


The late XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

according to virginia code 15.2-968.1 this shall not be used for insurance purpose in the provision of motor vehicle insurance coverage. went to the city clerk off in XXXX, va and they have not reported nor is it on my DMV driving record
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a list of inquiries reporting to my Equifax account that are false and doesnt belong to me. I have attached the list of inquiries that are stating to be opened on XX/XX/XXXX & XX/XX/XXXX of 2021.
Product: Checking or savings account

I opened a SoFi checking/savings account and set up a direct deposit using the forms provided by SoFi. My payday came and went, and no direct deposit. I attempted to contact SoFi but the company is run solely by XXXX XXXX. Finally after scouring through the FAQs I found my answer as to why no direct deposit.

Well my employer timely sent the funds as instructed, again, using the forms provided by SoFi, but SoFi stated in an answer to a FAQ that the funds will not be available for 1-2 pay periods - XXXX XXXX XXXX 

Nowhere in the 'fine print ' does SoFi advise customers that they will be holding your money hostage for anywhere from two to ten weeks. I am glad I only had {$100.00} sent to SoFi otherwise I would not be able to pay my mortgage and other bills for two to ten weeks. How can this even be legal?!?!

I do not have time to wait for the Class Action law suit, I am just hoping that I can get my money back, as I have been reading that SoFi will let you close your accounts but they won't return the balance of the account to you - XXXX XXXX... this is NOT XXXX!
Product: Credit card

This complaint is for Synchrony Bank they service several of my Credit cards over mulitpal accounts. I first noticed on my other consumer accounts they lowered one cards credit limit ( Care credit ) and I kept an eye on that one, however the changes happened after I was married. which has affected my overall credit scores over the last 2 years. I have always made all payments on time until XX/XX/XXXX when our family had some financial hardships. I had planned on making my normal payments and called on XX/XX/XXXX to find out information on the reasons why my Credit limit was lowered and I was suddenly over the limit without being contacted. 
I was unaware of my Credit limit on the XXXXXXXX XXXX XXXX world elite master card was lowered within maybe {$100.00} of the current balance. I was also unaware that charges were continuing to go through the XXXXXXXX XXXX XXXX  app on my phone I had set my preferred card to my debit card as to not make new Charges on this credit card. I believe the person I spoke with was XXXX? the id number I was giving # XXXX. 
At that time he stated he could no see that statement that was generated for XXXX and offered to refund a late fee, and also transfer me to someone who could help with when my credit limit was lowered. the second person could not help me, and she stated she could not find when or where they lowered my credit limits. Neither could tell me why Charges were alowed to continue to be put through after I was already well over {$100.00} over the limit. 
I said I would like to place a formal complaint she said she could do that and I was going to call back to try and resolve my past due amounts but I would not do so with out knowing why charges were aloud to be processed and when my credit limit was lowered. 
now After XXXX missed payments I received not an explanation or any new information from them. I just received a letter in the mail stating XX/XX/XXXX is the last day for payment of the amount of {$360.00} and basically a threat to take legal action on me with out resolving the requested information. it is a notice of right to cure default. I am more than willing to make payments as I have always, however it is not ok to alow charges to go through on an application when the account is over the limit and then not explain why this occured in the first place and how to prevent it in the future. as well as answers to when my limit was lowered and why? 
Synchrony Bank Continues to ruin my credit score and has cause much damage thus far.

I only wish I would have complained to the right channels sooner.
Product: Prepaid card

I received 5 {$200.00} XXXX XXXX XXXX American Express reward cards from XXXX as a result of my flight being overbooked. 

I tried to use the cards at XXXX. They processed my order, but then i received an email on XX/XX/2023 that my payment was not being authorized. 

I tried using a different card on XX/XX/2023 at home depot.com. Same thing happened. I received an email saying my payment was declined by the bank. 

I have tried this with numerous other merchants with no success. 

I was on the phone with customer service for 20 minutes again today and did not receive a satisfactory response. I asked to speak to a supervisor and was put on hold and listened to music for 15 more minutes before hanging up.
Product: Credit card or prepaid card

On XX/XX/23 I had two bogus charges made on my Visa account with Wells Fargo. After numerous complaints, they will not refund the larger of these of XXXX. This makes no sense, as I have a good amount in both savings and checking with them. I pay all my bills before they are due, and have a credit rating in the XXXX + range. This charge was made in another state, which I have not been to. Case id # XXXX. I have contacted them by both mail and phone on this matter.
Product: Credit reporting or other personal consumer reports

Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX with Social Security Number XXXX resident of XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, submit this affidavit to request a security freeze on my credit report. 
Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : 1. Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> 2. Current Address : XXXX XXXX XXXX XXXX XXXX CA XXXX 3. Security Freeze Request : I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
4. Attached Documentation : I have attached the following documents to verify my identity and process my request : A copy of my drivers license or government-issued ID. 
A copy of a recent utility bill or bank statement confirming my current address. 
A copy of my Social Security Number.

5. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information.

6. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that these are fraudulent accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

LVNV Funding LLC XXXX Resurgent Capital Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Last XXXX digits SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Dear LVNV Funding LLC c/o Resurgent Capital Services XXXX  I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  account that was opened during the COVID pandemic and fraudulent activity was done on the account was never given a legal or law notice or review or even offered any type of relief or deferred arrangements. No investigation was done by the company into the fraudulent charges or how the account was opened without authorization of the private data information holders consent. Transunion and XXXX continues to report the account without proper validation and this there has been clear violation of permissible purpose, as well as once fraud was declared on the account the due process was not taken by none of the above mentioned companies to validated how the account was open
Product: Mortgage

My Husband pasted in 2014 and since I 'm not on the Mortgage Nationstar Mortgage will not talk to the spouse to get anything resolved in this case. My hands are tied because they wont talk to me. I want to stay in my home. I also have a child that lost his father at XXXXyrs.old
Product: Debt collection

I disagree with the account listed below which still appears on my credit report even after the credit bureau investigation I would like for this to immediately be investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX account number XXXX accordance with the Fair Credit Reporting Act Public Law 91-506, Title VI, Secton 611 subsection A-D please provide please provide the name and businesses adresses of each individual with whom you verified the above so that I may do a follow up. Please send me an update credit report of after reopen investigation.
Product: Credit reporting or other personal consumer reports

I have a XXXX XXXX XXXX that I bought brand new and financed through XXXX XXXX XXXX. I have never been late, nor have I ever missed a payment in almost 4 years. I decided to refinance my car through AutoPay in XXXX. It would drop my payment about {$110.00} or so per month. I turned all my paperwork in and played the waiting game for both companies to get the car paid off and switched over etc. I notified XXXX XXXX different times that I was refinancing. XXXX goes and reports my last month late on my credit. That cost me around XXXX points. Making me look like I don't pay my debts on time and making me look bad to future creditors. All because I didn't pay my payment to them for the final month. Which they would have had to refund back to me anyway since all my paperwork with AutoPay was completed and waiting to be transfered over. I was a good customer and didn't deserve that from XXXX. Especially since I openly communicated to them about the refinance. Please, remove the late payment off my credit reports for the month of XXXX.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX. I have fraudulent accounts reporting on my consumer report. I will be filing a civil suit for these violations. On XX/XX/2024 I sent my FTC Report and my XXXX license to Experian, XXXX, and XXXX.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX, have contacted XXXX XXXX XXXX XXXX online and via certified mail between XX/XX/XXXX and XX/XX/XXXX. I've requested account validation of the collection account XXXX that has appeared on my most recent credit reports. XXXX XXXX XXXX XXXXXXXX has failed to provide me with any form of account validation that I have requested in my certified letter to them. 

I spoke with XXXX XXXX ( original creditor ) on XXXX XXXX XXXX 
Per my request, XXXX XXXX was able to immediately verify my current account information in their system and also confirm that my account has not been sent to a collection agency- nor should it be reporting as a collection account with XXXX XXXXXXXX XXXX XXXXXXXX XXXX anyone else. Finally, I requested that XXXX provide me with an email letter confirmation of my current account XXXX. I've attached the proof of the letters XXXX XXXX has provided me with below.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I dropped my phone while walking my dog. I was also on a XXXX  call so the phone was open. I tried looking for the phone but they must have taken it. Whoever found it used apps in my phone ( XXXX XXXX, XXXX, XXXX, XXXX and XXXX ). PNC Bank helped reimburse most of the charges when the apps didn't return the money. XXXX transactions were not reimbursed. PNC claims that it wasn't possible for the money to be taken out of my account without me having the phone. 
I didn't have the phone on me. The money was sent to XXXX XXXX {$900.00}, XXXX XXXX {$1000.00} and XXXX XXXX {$1000.00}. I don't know any of these people. 
I reported this to the XXXX XXXX XXXX XXXX XXXX  and they did nothing to help me. I never received my police report. I gave them all the info i had on the thefts and they didn't help at all. The email address connected to the thefts is : XXXX and XXXX. 
I know I'm not the only victim and both PNC Bank and XXXX should have helped me get the money back.