23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

LVNV states this account was open XX/XX/XXXX? I never had an accoount with LVNV they stated on the phone that it was a XXXX XXXX however, the account they bought was a XXXX  XXXX account. This was an original XXXX XXXX credit card opened in XX/XX/XXXX closed XX/XX/XXXX when it was sold to XXXX  XXXX. if you notice on origianal report it shows paid on time for XXXX and XXXX it does not show a balance or anything else. was up to date on payment shows XXXX balance when I called XXXX  on XX/XX/XXXX the recording said XXXX balance. then I called XXXX  XXXX it said XXXX balance. I called Lvnv then the next time I talked to XXXX XXXX they said I needed to contact lvnv which I did again. On the origianal crdit balance was XXXX and it was with XXXX XXXX I can not find out anything from XXXX XXXX. I requested from LVNV the orginal contract and statements of payments and explained to them it shows XXXX balance. they could not give me any info. I can not get any info from anyone. LVNV states its a XXXX XXXX which is XXXX  XXXX why would synchb sent it to them if It was paid on time? They are wrong it should have never went to them. It was paid in full per XXXX XXXX.
Product: Vehicle loan or lease

I was in dyer need of a vehicle because the one I had was giving me some issues and I have a lot of medical appointments at the va and so does my wife as well. So I trade in my XXXX XXXX  and they told me that they will give me XXXX dollars, I accept and they also took from another XXXX dollars. Now, I got the vehicle and now I went to different other dealers to trade it and the value of the vehicle is XXXX dollars and my balance is XXXX dollars and I have been making payments and I dont know where my money is going. I made several calls to talk with agents and they were very rude by saying didnt you read your contract. Didnt you sign it I mean they were so rude to me. I said ok, I have always made my payments on time and I also tried to refinance with my credit union, XXXX and XXXX  XXXX XXXX and they both told me that they can not do it because the value of the vehicle is too low and I am in a big negative XXXX dollars. How can a company do that to its customers and especially us XXXX veteran. How can the law allows such a practice from a company. 
Now, this morning, this is the moment that I decided to submit a complaint and I will also ask the veterans affairs for legal help to file a law suit against this company. I woke up this morning at XXXX XXXX  to start my vehicle because my wife have a XXXX  XXXX at XXXX XXXX  at the va hospital and my vehicle will not start and I never been late except this month for only 4 days and every company gives their customers 5 days or more grace period but this company did not and killed switch my vehicle for being late for 4 days when I have so much to worry about my wife health conditions and her XXXX. I will attach her medical documents so you can see how unjust is this company, how shady they are and should not be in business.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME. PLEASE HAVE THOSE ACCOUNTS REMOVED OFF MY CREDIT FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY FILE. THOSE ACCOUNTS ARE REPORTING INACCURATELY ON MY CREDIT AND I WOULD LIKE TO HAVE THEM REMOVED
Product: Money transfer, virtual currency, or money service

I transfer a sum of {$700.00} using the MoneyGram app from the XXXX of XXXX witch was canceled I get a message saying that I would get a refund within XXXX business days I still havent received back my money I would like to know what going on
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Im sorry based on your update with the required notice of dispute this information should have been updated 30 days after XXXX XXXX dispute in which they failed to do so this can not report on the consumers credit report and I do ask that you remove it immediately based on you entering the heart notice a dispute clearly shows between XX/XX/XXXX of XX/XX/XXXX that dispute was disputed prior to those dates so therefore you can not enter enter that. FCRA 622 and FDCPA 806B. This is a violation and must be removed. The Notification that I receive clearly shows that you just enter that on thXXXX XXXXXXXX XXXX XXXX for XX/XX/2023 and thats not acceptable Im gon na need you or XXXX  XXXX to remove this account immediately and both of you guys have been notified and I think you! 

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

XXXX  XXXX XXXX is reporting to EWS ( Early Warning Systems ) that they closed a fraudulent account down under my name with the incident date showing as XXXX/XXXX/2019. It also shows that Their total loss was {$0.00}. I have contacted EWS and the information was blocked, however it was added back to my account at a later date and XXXX  XXXX XXXX stated they verified the information as accurate. They could not produce a copy of my ID, my signature card, or contract signed by me authorizing the opening of an account The only proof they sent was past bank statements, which proves exactly nothing. Of course there are going to be statements as all banks send those out monthly. Just because a bank statement exists it does not mean that it is mine. I am the one who called in to report it as Fraud, and even with their lack of supporting information, they refuse to remove it from my file. This reporting needs to be cleared off of my report by XXXX  XXXX XXXX or permanently blocked by EWS. I sent in all of my ID theft documentation to both companies, This was not my account. There is no XXXX  XXXX  XXXX anywhere near where i live, and I have never done business with the company period. If they refuse to remove this and keep reporting the false and unverifiable information I will take civil action per the FCRA and FDCPA. I have also sent this complaint to the Consumer Protection Unit at the Oklahoma Attorney Generals office.
Product: Mortgage

RE : Loan Transfer from CitiMortgage to XXXX There is a discrepancy in the current principal amount. Citimortgage shows the current principal amount as {$89000.00} and XXXX shows the current principal amount as {$89000.00}. The difference is {$310.00}. Please have Citimortgage show me the calculation, and explain the reason that the principal amount has increased during the transfer to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Attn : Complaint Department I am writing to dispute the following information in my file. I recently received a copy of my credit reports. The credit reports showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the  aforementioned permissible XXXX XXXX ( XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) Please remove these inquiries from my credit report immediately. I have enclosed a copy of my police report as proof of my identity. Sincerely, XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX and Equifax have violated my consumer rights. 15 USC 1666b : timing of payments says, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, so XXXX and Equifax have violated this law because this late payment is reporting on Equifax. 15 USC 1681a ( 4 ) says, there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy so XXXX and Equifax have violated this law because this late payment reporting on Equifax is a violation of my right to privacy because I didn't give them permission to report it publicly. 15 USC 1681a ( 2 ) ( a ) ( i ) says, the term consumer report does not include transactions or experiences between the consumer and the person making the report, so XXXX has violated this law because they furnished this EXPERIENCE to Equifax and I didn't give them permission to do so via 15 U.S.C 1681 Section 604 A Section 2 stating a consumer reporting agency can not furnish an account without my written instructions AND 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. Consumers and customers who have the right to opt out may do so at any time. Once you receive an opt-out direction from your existing consumers or customers, you must comply with it as soon as is reasonably possible. - FTC CLEARLY STATES THIS!!!!! I AM OPTING OUT OF ANY AND ALL REPORTING TO MY CREDIT REPORT AND CREDIT FILE OF THIS LATE PAYMENT ACCOUNT after updating it to paid on time for the account listed below. 


Account Name : XXXXXXXX XXXX XXXX Account number : XXXX
Product: Credit card

BANK 'S PROCEDURE WHEN ACCEPTING CREDIT CARD PAYMENT. This past week I went to my local Citibank located on XXXX in XXXX, NY in order to make a payment on my Citibank MasterCard. I gave 2 checks to the teller without any problem which were drawn from two accounts I have from another bank. I then gave her cash. At that point, she asked for my ID and asked for my occupation. I was told by the teller that this is Citibank 's procedure for taking cash for any payment. When I questioned the bank manager about the inquiry into my occupation ( I, by the way, have none since I am retired ) I was told that I could avoid the questions by either using the ATM or opening a checking account with them. I told the manager that I wanted the personal service of taking my payment ( s ) and of receiving the receipt. She told me that there was nothing she could do about it. We parted agreeing to disagree. 
QUESTION : Is it legal to ask for this information when making a payment? I am giving THEM money. If so, why? I 'm handing them cash! I could understand wanting ID for a check. If this is not legal, the procedure needs to stop.
Product: Credit reporting or other personal consumer reports

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On XX/XX/XXXX, I opened a credit card with Discover and immediately added the card to XXXX XXXX ( possible activate physical card as well ) After the physical card was send out. On XX/XX/XXXX, someone stole my card and used it at near by XXXX XXXX and shopped for {$860.00}. 

Immediately I realized the fraudulent activities and reached out to Discover to dispute the charges. They have provided credits right away, closed down the account and opened a new one for me. 

I was suggested to file a police report as I told them I am afraid that my identity information might be stolen because the card was easily being activated. I was also being suggested to file one because they believe it would be an easy case for local police to identify the theft since it happens in the same city. 

Which I file a police report on XX/XX/23 and provided the cases number to Discover for further investigation. 

On XX/XX/XXXX, I receive a copy of the receipt from XXXX XXXX of the fraudulent activities provided by Discover. On the receipt, it shows the thefts name and XXXX XXXX membership ID. And the amount matches my statements. And I also replied to their call for further information stating that I have receive a replacement card and it was extremely easy to activate the card. They never asked my birthday nor last four digits of XXXX. Just one call and provided last four number of Credit Card number the card is activated. I provide my frustration and believing that the case was closed. 

However, on the XXXX, I received another letter from Discover stating that they were not able to find any fraudulent activity on my account and I am responsible for the {$860.00} which does not make sense to me. 

I have called Discover once again on the XXXX, complain about the issue. But they said I will have to wait for 30 days for them to reinvestigate. In the meantime, I could reach out to police for more evidence and I will either have to pay that {$860.00} or it will sit in my open balance and getting rolled over with late payment fees and interest. 

I am extremely unhappy with how Discover resolve the issue. They already have the receipt that shows the thefts name and membership ID. I never had a XXXX XXXX membership. I provide every little detail I am acknowledged with and even listened to them and went for a police report. I do not understand what additional proof I need to provide. So I really would like to seek for additional help and suggestion. 

Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX TransUnion LLC XXXX. XXXX XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX
Product: Debt collection

Midland Credit Management , Inc . 
XX/XX/year> {$430.00} XXXX XXXX sold a debt that I didnt even have to a third party ( MCM ) & theyre looking for me to pay it.
Product: Debt collection

I am filing this complaint because I am disputing the information is not accurate on my credit report against Transunion.
Product: Credit reporting or other personal consumer reports

I realized today the LVNV Funding is on my credit reports.The information being reported is FALSE and LVNV Funding never sent me anything before I seen it on my credit reports. 

I received nothing from this company notifying me regarding this alledged debt that is not mine. 

I will sware in a courtroom that this debt does not belong to me. and that I am requesting the complete proper validation regarding alledged debt that I demand be removed from all credit reporting agencies that LVNV is reporting the alledged debt to. 

I am requesting a copy of the PURCHASE AGREEMENT etc. and all documentation afforded me under Reg.F. and intend to seek legal represention regarding this matter if I am forced to.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, This letter shall serve as formal notice of my intent to file a complaint with the FTC, due to your blatant and objectionable disregard of the law. 

As indicated by the attached copies of letters and mailing receipts, you have received and accepted through registered mail my dispute letter dated, as well as my follow-up letter dated. To date you have not done your duty as mandated by law. Your non-compliance with federal law is unacceptable, your disregard for it contemptible. Rest assured I shall hold you accountable. 

Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). 

I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XX/XX/XXXX), you may be liable for your willful noncompliance. 

For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago : MARINER FINANCE , LLC {$8900.00} Reported balance
Product: Debt collection

Approximately 6 years ago I took out a loan of {$200.00} form XXXX XXXX XXXX. At the time I did not realize that this type of loan was predatory and illegal in the State of New Jersey. I paid back the initial amount owed and thought that was the end of it. XXXX XXXX XXXX discontinued the deductions from my account.

Now 6 years later after not receiving any type of written documentation stating that I owe this company money, they have put a judgment on my credit for an amount that I do not owe, and it has negatively effected my credit score.

This tactic by XXXX XXXX XXXX is illegal, and I deserve to have this negative information removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX XXXX accessed my credit file with XXXX, XXXX, AND EQUIFAX without my permission. This was reported previously, as considered fraudulent inquiry, along with other simultaneous inquiries same day with other institutions, and which I did not authorize. On XX/XX/XXXX XXXX  XXXX sent a letter describing the action, and stating that they were asking the CRA to remove the hard inquiries from my report ( this one, in addition to a couple more ), and in response to my kind request as a happy XXXX  XXXX Client. As up to date, Equifax shows the 3 inquiries ( the XXXX and XXXX XXXX XXXX  and XXXX  took off, plus this precise one ), and both XXXX  and XXXX  still show XX/XX/XXXX only. Since this is a violation, to the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making a goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above. Equifax is neglecting to remove anything, and the other two remove partially, as explained. Should them continue in their non-compliance, I may end fighting for a long period of time, at small claims court, as I further remind you that, as in Wenger v. Trans Union Corp., No. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), they may be liable for their willful non-compliance.Kindly ask XXXX XXXX to help on this matter, to avoid having unnecessary discussions with a happy XXXX XXXX client. Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported immediately from the alerts I got, and placed a security freeze to my credit file. Equifax is the only out of 3 agencies that have not put the freeze as requested, that both XXXX  and XXXX   did, and this in addition to several other inquiries started after the Equifax data breach publicly known.
Product: Vehicle loan or lease

I received multiple calls on XX/XX/year> from XXXX stating they needed to be able to access my bank account and other accounts. When I would not give that to them they kept saying that the loan was not funded yet with the bank account access. I have already signed my paperwork with the dealership earlier this week. They also tried to get me to agree to additional items that were not in the contract.
Product: Checking or savings account

I submitted a dispute in the amount of {$780.00} because I purchased an item & havent received it. My bank is refusing to dispute the transaction saying its past 120 days in which the reason I notified them immediately once the merchandise had not been received, nor have I had any further communication with the merchant. They allowed my account to be debited. At this point its theft & and theyre making me liable & refusing to refund the money.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : This is my second time writing you to update my personal information. 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX, XXXX, P.A XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above.