23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/2023, I reached called American Serve Pre-Paid Customer Service via the number : XXXX. I called 6 times, and every time, I was disconnected. I needed to speak with a representative because my card is expiring very soon and I have not received a replacement card. There are only 3 options available on the automated system, none of which lists speaking to a representative. Additionally, existing customer options are limited for me since it prompts me to activate a card I have yet to receive. Can not make it past that prompt because automated disconnects if I can't provide the requested information. I can't provide a number for a card I haven't received, and I can not inform anyone that I did not receive it yet, because I can't get past that prompt without it hanging up.
Product: Checking or savings account

My purse and car were stolen a few years back. As a result, my debit card was swiped across town at a gas station, an ATM, and then at an ATM that was associated with my bank. A fraudulent deposit was made into my account. I was totally unaware of the deposit, but reported all of my things stolen before I had any knowledge of the deposit. I reported my things stolen to the police. I communicated back with my bank to find out where my card had been swiped and how many times it was attempted. I reported my findings back to the police and requested that the ATM cameras be pulled so that I could press charges. This was an extremely long and drawn out process. They tried to have the cameras pull but the back hadn't fixed the ATM camera so it only caught the person 's chest and hand ( which clearly weren't mine ). As a result, the bank decided to close my account and reported me to XXXX  making it virtually impossible for me to get a bank account with anyone. I did my due diligence by keeping in contact with the bank, reporting what happen, and by involving the police. My account was still shut down and I have had an extremely negative experience because of something that wasn't my fault.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX To Whom It May Concern, I am writing to file a formal complaint against LVNV Funding LLC for XXXX violations of my consumer rights under federal regulations. LVNV Funding LLC has flagrantly disregarded the laws outlined in 12 CFR 1006.34 by failing to provide validation information regarding a collection account they have reported on my consumer report. Despite this blatant omission, LVNV Funding LLC has proceeded to report this collection account, thus infringing upon my rights under federal regulations. 
Furthermore, LVNV Funding LLC has deprived me of the opportunity to dispute the account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This failure to provide the necessary avenues for dispute resolution is a clear violation of consumer protection regulations and demonstrates LVNV Funding LLC 's blatant disregard for fair and transparent practices. 
I assert that LVNV Funding LLC is engaging in deceitful and misleading practices by reporting this collection account without adhering to the requisite legal standards. This conduct not only violates my consumer rights but also undermines the integrity of the credit reporting system as a whole. 
In addition to disputing any ownership of the alleged debt to LVNV Funding LLC, I hereby revoke all rights of communication via phone, text, or email. Henceforth, all correspondence must be conducted through written communication sent to the address listed above. 
As per my rights under the law, I demand that LVNV Funding LLC provide validation of the debt, including the purchase agreement between LVNV Funding LLC and the original creditor. Furthermore, I request immediate proof of LVNV Funding LLC 's licensing and bonding, as mandated by law. 
Failure to comply with these demands within the legally mandated timeframes will result in immediate escalation of this matter to higher authorities. I expect a prompt and thorough response to this formal complaint, detailing the steps LVNV Funding LLC will take to rectify these egregious violations and provide restitution for the damages incurred. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANS UNION , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, recently received a copy of my credit reports, I noticed a lot of unauthorized credit inquiries on each report that I did not give any consent to run my credit profile. Please be advised that by law no inquiry can be placed on my credit without my authorization. I need these following inquiries to be removed immediately from my credit report. 
TRANSUNION- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ). Also be advised that the Fair Credit Reporting Act states that any information that is maintained on an individual 's ( XXXX XXXX XXXX XXXX ) credit report must be accurate. This includes unauthorized inquiries. Please send me an updated copy of my credit reports after these unauthorized inquiries has been removed.
Product: Money transfer, virtual currency, or money service

On XX/XX/2017, I wired {$10000.00} to Coinbase from my XXXX XXXX XXXX business account. A couple of days later, I received an email from Coinbase saying my fund was reversed due to name mismatch. Now It has been about 40 days, I never received my money back. I tried to contact Coinbase thru phone call and email, but NEVER got replied. I checked on XXXX and found hundreds of people having the exact same issue just like me. 
I believe it is absolutely illegal for a company holding hundreds of thousands customers ' money for such long time. And Coinbase they never reply your inquiries. 
That 's why I 'm filing a claim here trying to get help. 
Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I periodically check my credit profile and noticed several inquiries that I don't recognize. Please remove the following off of my XXXX  File : FACTUAL DATA Finance Reseller Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Thank you
Product: Credit card or prepaid card

Re : XXXX XXXX XXXX XXXX ( comenity bank ) Acct number : ending in XXXX Hi, I contacted XXXX to pay my bill at the beginning of the year. The customer service lady I spoke with said she could take the payment and have the late fee removed but I would have to call back and speak with a service department as they were not open at the time. At that time I made a payment taking care of all purchases, except for the {$35.00} late fee. 
I called back and spoke with someone else who said that was not true, and they would not be able to waive the late fee. I explained to them that I had not received a bill. They told me that the billing had been changed to go to my email account. I was not aware of this. I explained that I had made the previous payment and that I was promised to have this late fee waived. The man I spoke with this time said he could not waive the fee. I then told them I wanted to close the account. I called back the following Day and spoke with a new representative. He told me that this account was closed with a zero balance. XXXX XXXX XX/XX/XXXX ) I just received a bill in the mail today XX/XX/2020. 
Showing a balance of {$73.00}. Now this statement shows two late fees plus interest. I called express immediately and spoke to you a supervisor by the name of XXXX. He told me he could not help me. I explained to him the situation and that if they could not help me resolve this as promised I would file a complaint with the credit bureau. Can you please help me with this? I have excellent credit with a XXXX score, and do not want this tarnished because of this company is excessive late fees. 
Please contact me. 
XXXX XXXX Thank you, XXXX XXXX I do not have this full account number as it is partially starred out on this invoice.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Account # : XXXX I am filing this complaint regarding XXXX and its inaccurate reporting of my auto loan account. The account was closed on XX/XX/2020, but the following issues remain unresolved : XXXX. Payment History Inaccuracies : The payment history on this account is not accurate and reflects ongoing delinquencies despite the account being closed. 
These inaccuracies negatively impact my credit profile. 
XXXX. XXXX Cancellation of Debt ( If Issued ) : I have not received any confirmation or documentation indicating whether a XXXX ( Cancellation of Debt ) has been issued for this account, which appears to have been written off. 
If a XXXX has been issued, the balance should no longer be collectible or negatively reported on my credit report. 
XXXX. Failure to Validate the Debt Properly : Despite previous attempts to validate the debt with XXXX, I have not received proper documentation or proof of the amount owed, charge-off details, or updated reporting as required under the Fair Credit Reporting Act ( FCRA ). 
XXXX. Discrepancies in Reporting Balances : The reported balance of {$3900.00} conflicts with the status of the account being charged off. This inconsistency is misleading and further harms my creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted an application to rent an apartment with XXXX XXXX XXXX in XXXX, MA in XX/XX/XXXX. I was told that there would not be any hard credit inquiry on my file. However I noticed a hard credit enquiry which affected my score on XX/XX/XXXX. When I contacted the leasing office they said the inquiry would go away. 

The inquiry is still present in my Credit report as of today ( XX/XX/XXXX ) and when I contacted the apartment leasing office to get the inquiry deleted, they provided me the details to contact CoreLogic, the agency that does credit checks for XXXX XXXX apartments. I contacted CoreLogic and they say that they have only processed the request from XXXX and they are not responsible for the hard inquiry. They could assist me in deleting the inquiry if XXXX request them by sending a letter of deletion. 

Again when I contacted XXXX, the officers in XXXX deny any responsibility for the credit inquiry and also said they would not be able to make any such requests to delete the inquiry. I have provided my SSN details in the application to XXXX and not CoreLogic, and my Credit report is being accessed in a way that I did not consent to. 

I request the concerned authorities to look into this grievance and please do the needful as presence of that hard inquiry on my report is affecting my credit history and score, and has a potential to affect my interest rates as I'm planning to apply for a home loan. 

I have attached the e-mail communication below as a file. 

XXXX Address : XXXX XXXX XXXX, XXXX, MA XXXX Phone # : ( XXXX ) XXXX E-mail : XXXX XXXX
Product: Debt collection

They are calling my relatives ( sister ) asking for my information. They keep calling various times throughout the day and calling outside of business hours. They need to stop NOW. They need to only be contacting me via mail and NO ONE ELSE. I will only accept their communications via US MAIL.
Product: Debt collection

This company ( Credit Collection Serv ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA.

Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Division of Finance is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises. 


Rescission of Contract. Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office. 
Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX XXXX : House of XXXX ). 
1. Validation of the debt ( i.e. the actual accounting showing <house of XXXX : Shayla> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ; 3. A copy of the original contract signed by both parties and therefore binding both parties to the agreement. 

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account number XXXX. In their letter dated XXXX XXXX informed me that they a sent a request to Experian to delete the XXXX Account number XXXX. Experian has not deleted this account from my credit report. Experian claims that they have verified the information with the data furnisher. I've sent Experian a copry of the letter from XXXX. In the letter XXXX states that they have sent a request to Experian to delete the XXXX account from credit report. Experian has failed to comply with the request from XXXX.
Product: Debt collection

My credit score was recently reduced from a creditor claiming that I owe money regarding a traffic citation. I had made disputes on my report regarding several alleged citations issued by the state of Wisconsin and was removed from my credit report. 2 months later, a new collection agency appeared to have maid another claim. At no point had I ever made a promise to pay to the state of Wisconsin either through verbal or contractual agreements. 

I would also like to add, throughout the last 10 years these creditors have continuously reported to the credit bureau 's for citations that have been paid. When asked why it had even reached a collection agency being the citations were paid on-time, the response was " because you did n't pay a {$5.00} fee along with the citation. '' This includes XXXX XXXX XXXX XXXX XXXX. 

This has been going on with the state of Wisconsin for MANY years now. I ca n't help but feel that I have been treated unfairly by the state as well as their creditors. These traffic citations has not only hurt my driving record, my credit report as well as my occupations. At what point is this punishment enough? These citations have dramatically impacted the quality of my life ... .. A TRAFFIC CITATION. 

My credit score dropped XXXX points from this most recent attack. I really had high hopes in creating a better financial profile for myself being I 'm going into accounting.
Product: Vehicle loan or lease

I am writing regarding a XXXX XXXX XXXX  I purchased through financing with New City Funding in XX/XX/XXXX while residing in XXXX, NY. Unfortunately, the vehicle turned out to be a lemon, and I have encountered ongoing mechanical issues since the day I acquired it. This letter serves as my final attempt to resolve this matter, as I have made every reasonable effort over the past XXXX years to address this situation with you directly. 
Background of the Issue : Within XXXX days of purchasing the vehicle, the rack and pinion failed, and the steering wheel did not turn properly. I returned the car to the dealership, and while the problem was initially repaired, it resurfaced shortly thereafter. Over the course of owning this vehicle, I have spent more than {$3000.00} on additional repairs related to this and other issues. 
After relocating from XXXX to XXXX, the problems persisted. I contacted your office on multiple occasions to report the ongoing mechanical failures and sought guidance on how to surrender the vehicle. However, I was repeatedly given inconsistent responses and no clear direction. By early XXXX, after losing my job, I requested that the vehicle be repossessed, as I could no longer afford to maintain it. Despite numerous follow-ups providing the location of the car, no action has been taken by your company to retrieve it.

Compliance with New York State Lemon Law : Under New York State Lemon Law, a vehicle is presumed to be a lemon if it has significant defects that impair its use or value, and the manufacturer or dealer is unable to repair the problem after a reasonable number of attempts. In this case : 1. The defects were reported within days of purchase.

2. The vehicle has been repeatedly brought in for repairs for the same issue, demonstrating it was not adequately resolved.

3. The ongoing mechanical failures have rendered the vehicle unreliable and unsafe for use.

New City Funding 's refusal to take the necessary steps to repossess the vehicle and mitigate further financial burden on my mind exacerbates this situation.

I am willing to cooperate in this process and provide any additional information or documentation necessary to facilitate the vehicles return.

If this matter is not resolved promptly, I have no choice but to escalate my complaint. I have already called multiple times, I am currently seeking legal representation unless New City resolves this and the NYS Laws are upheld. 
Conclusion : This situation has caused undue financial and emotional strain, and I strongly believe I was taken advantage of throughout this process. I am again urging New City Funding to take immediate steps to resolve this matter by initiating the repossession of the vehicle. 

Requested voluntary repossession : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX by calling XXXX. I was assured it would be handled, and it is still unresolved. The car has been parked at XXXX XXXX XXXX XXXX NY XXXX since XX/XX/XXXX awaiting pick up.
Product: Credit reporting 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. 
Account name : # XXXX  XXXX, Account name : # XXXX XXXX XXXX. Account name : # XXXX XXXX  XXXX. Asked for debt validation collection accounts not response. 
This 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.

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
Product: Debt collection

I have tried to file a dispute with XXXX  and XXXX for this debt. There are several issues that are incorrect but the debt collector 'XXXX   XXXX XXXX XXXX ' has claimed their information is accurate. 

My bankruptcy completed on XX/XX/XXXX and I paid XXXX XXXX XXXX directly on their website with my XXXX credit card. I never received any statements beyond the first one, nor did I ever receive any collections notices because the debt was paid. 
As of XX/XX/XXXX a collection account appeared on my credit report saying that it was opened in XX/XX/XXXX, and that I owed 3 times as much as what I originally said directly to the hospital in XX/XX/XXXX. Not only should this debt not have gone to collections because it was already paid off, the hospital apparently sold my debt to collectors that opened a NEGATIVE remark on my report more than a year after my debt was paid. I have disputed twice to have them verify the dates but nothing has been done. If this can not be removed from my report, the least they can do is correct the dates to XX/XX/XXXX instead of XX/XX/XXXX. The collections account is still showing as OPEN on my XXXX  report, although it also says discharged w/bankruptcy below that. 
Ica n't do much until housing/vehicle wise until this is straightened out. Please help.
Product: Checking or savings account

I went to a supermarket on Saturday XX/XX/XXXX. XXXX XXXX I swiped my card twice and inputted my pin. My bank declined it twice. I called my bank and when I called my mobile app showed I was charged although both transactions were declined. I was not allow to leave the supermarket with my groceries. I submitted a dispute and CITI Bank refused to give me my money back. I submitted another dispute on XX/XX/XXXX, sent a receipt showing the amount and that I was never charged. Furthermore the Supermarket sent me an email explaining that the charge never went through. They sent me the error messages their bank received. Citi bank has refused to work with me, they have refused to speak to me. Managers continue to hang up the phone. The supermarket never received my payment but Citi bank too my money. Furthermore the day in question Citi bank admitted that they were having technical issues and continue to refuse to give me my money back.