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

We were moving after 23 years and cancelling our XXXX account that included a land line, internet and television. In XX/XX/2019, I called XXXX because we wanted to keep the land line number and were advised we could port the number to a cell line, then cancel internet and television. We ported the line and XXXX changed the account number to a new number. I could not log on to the old account, for a period of time, no one at XXXX could find an account. When found, I asked to cancel the internet and phone. The representative advised that the new home owners could use the account and not have installation fees. I said we would let them know. What was not explained is that I needed to call them back that they were not closing the account which is what I called for. I found it unacceptable that they would hold my account open and actually can not understand why a company would expect me to try and get business for them in the first place. When I returned the equipment per their instructions to the store, the clerk advised me the account was not closed and that I needed to call and cancel. Thus extra charges were charged to the account. I spoke to the billing department several times starting and was advised they were elevating it to a different department and would contact me back. I did not get contacted back by them, but the account was sent to a Credit corporation who now says XXXX says it is due and therefore it is due in full. I feel the company acted irresponsibly in not closing the account as asked and now submitting the charge to a collection bureau.
Product: Credit card or prepaid card

Several months ago, my husband and I went to XXXX XXXX to purchase a set of dining chairs and a chandelier. It was a substantial purchase and the sales person suggested that we apply for a XXXX XXXX credit card ( offered through Comenity ) to receive a 10 % discount which will be reflected on the credit card statement. The sales agent ( her name is XXXX ), stated several times that she was so happy to help us SAVE so much money. At the time, I did not receive any disclosures - just a hand written paper with the XXXXXXXX XXXX/Comenity credit card number. I received the furniture approximately 30 days later and the first bill approximately 60 days later. When I looked at the credit card statement, I did not see the 10 % discount. I contacted XXXX at XXXX XXXX and inquired about the 10 % discount and at this point she stated that the 10 % discount will be provided in the form of Reward Points to be used to purchase additional XXXX XXXX product. I was very upset about this because it was not clear to me at the time - that a 10 % discount was provided in the form of reward points. When I specifically asked XXXX why did she stated that I was " saving so much money '' her response was that many customers complain about this and she agrees that their sales pitch is misleading. Further, she said that its a practice that she can not control and they are trained to state this " savings '' for signing up for the Comenity credit card by the store manager or " corporate ''. She highly suggested to me to make a formal complaint so that other consumers are not mislead. She said that she ca n't stop this practice but if enough people complain, she and other XXXX XXXX sales representatives will not be force to sale the credit card so hard to consumers.
Product: Debt collection

This letter serves as a formal demand that LVNV Funding, LLC immediately cease and desist all collection efforts and communications regarding the above-referenced account ( # XXXX ). 

Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692c ( c ), I am invoking my right to demand that you cease all contact with me regarding this alleged debt. This includes, but is not limited to : Phone calls ( to my home, work, or mobile ) Letters or written correspondence Emails or text messages Any further attempts to collect this alleged debt Furthermore, I have previously requested validation of this debt under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681g, yet you have continued reporting inaccurate and unverifiable information to the credit bureaus, knowingly damaging my creditworthiness. This is a willful violation of federal law, and I intend to pursue legal action if this matter is not resolved immediately.

Intent to Sue If LVNV Funding, LLC does not immediately : Cease all collection activities, Remove any inaccurate or unverified information from my credit report, and Provide written verification of the debt with all supporting documents, I will file a lawsuit against LVNV Funding, LLC for : Willful and negligent violations of the FCRA and FDCPA Knowingly reporting inaccurate information to the credit bureaus Failure to validate the debt upon request Emotional distress and financial harm caused by your actions Additionally, I am prepared to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals Office. Should this matter escalate to litigation, I will seek statutory damages, attorney fees, and punitive damages as allowed by law.

Please provide written confirmation that you have received this request and will immediately comply by ceasing all collection activities and correcting the inaccurate reporting. If you fail to comply, be advised that I am fully prepared to take legal action without further notice. 

This letter serves as my final warning before legal proceedings begin. I expect full compliance under federal and state law.
Product: Credit reporting or other personal consumer reports

Me and and another person are leasing a car from CarMax. He called on XX/XX/year> for an extension and the woman on the phone gave us XXXX and said the payment was due on the XXXX and he paid on the XXXX. We got an extension but it was still reported as a late payment to the credit bureau. So I called on XX/XX/year> to inquire about the reporting even though we got an extension. I called XXXX  and both representatives said it wasn't in the system. I told them that he had a phone conversation with someone giving the extension and I would like the recording for that to be played and got hung up on both times by both representatives. Even though it wasn't put in the system all CarMax conversation are recorded. He called for an extension from his phone number not mines. I have recording where i have both conversation of me being hung up on when requesting the phone calls and additional information.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reinvestigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXXXXXX Balance : {$46.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXBalance : {$1800.00}
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

Around the date of XX/XX/year> I applied and got approved for a XXXX XXXX baXXXX XXXX XXXX XXXX. I paid my credit card on time and accordingly for 6 months. Events that took place in my life caused me to fall behind on my bills which caused XXXX to report 12 months of late negative history on my report. The FCRA clearly states under 15 USC 1681a ( 2 ) Exclusions.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 ; This clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet you are still reporting this information to my consumer reports. Furthermore the account is listed as Charge-Off and to my understanding by definition The IRS clearly says a canceled or charge off is income. The reporting of this account as a debt is inaccurate.
Product: Credit card or prepaid card

I have several credit cards, one of them is a XXXX XXXX XXXX which sent me two promotional checks that if used they would not charge me interest for one year. So this was a good idea to pay off other credit card balances that were charging me high interest. 
The promotion was good until XX/XX/XXXX. So before I used them I made sure the credit cards that I was going to pay off were both up to date on payments because I wasn't sure when the checks would hit the account since I had to mail them out. So I used one check to pay off a credit card balance of a XXXX credit card on XX/XX/XXXX in the amount of {$3300.00} I also used another check to on XX/XX/XXXX to pay off a balance of {$1800.00} on a Synchrony bank credit card. I kept checking all three card accounts to make sure the checks cleared. Well the XXXX card was paid off and the new balance showed up on my XXXX XXXX account so that was good. But on my Synchrony card account it showed that the account was paid off but it never showed up on my XXXX XXXX account which said to me something is wrong. So on XX/XX/XXXX I called my XXXX XXXX account to see what was wrong and they told me they denied the check because I didn't have enough credit to cover the check. So I called the Synchrony card account and told them that that check isn't going to clear but they said to call my bank because they re-deposited it. So I left it to see if it would clear because I didn't owe them another payment until XX/XX/XXXX. I called the Synchrony card again on XX/XX/XXXX to see what was going on and they said everything is good and I didn't owe them anything at this time. So I left it alone. 
I called them two more times once on XX/XX/XXXX and again on XX/XX/XXXX. When I called on XX/XX/XXXX. They told me the account was closed to purchases because of " the number of dishonored payments ''. Subsequently worse than that they closed all my Synchrony Bank related credit card accounts for " dishonored payments '' from other accounts. 
Up until this incident every card was up to date with payments and there were no problems. I called them two more times since then but they told me there is nothing they could do and accounts are all closed. I really could care less if I never use a card from Synchrony bank again because I have other credit cards but this will do damage to my credit rating which is most important to me. I worked hard in the last 6 years to get my credit rating back and because of one incident they close accounts and have my credit rating damaged. NOT ONE OF THESE CARDS WERE MISSED A PAYMENT EVER! They could keep their cards all I want is my credit rating to be kept in good standing. Be careful of Synchrony Bank because they have many cards with different names that still belong to them.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unsolved. I request an immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notice an credit inquiry on my credit file that I did not apply for nor did I give authorization to any other party to use my information. Please remove this erroneous inquiry off my credit report. I have no knowledge of this.
Product: Debt collection

Recorded message collecting debt and asking for someone whom we do not know and has never lived here ( we 've owned this phone number for 11 years ). Requests to stop calling us have gone unanswered.
Product: Debt collection

I was divorced buying car from ex wife. Making payments and insurance payments. I got in accident and called ex wife for insurance information. She informed me she dropped the insurance I was paying for without telling me. Got license suspended for that. Had pay few thousand. Then these XXXX Douglas knight pops up with ridiculous payment option threatening license suspension if I dont pay whole XXXX or give my check stubs so they can decide what I can pay. I said Ill send what I can. I was sending XXXX  Fell on harder times. XXXX XXXX XXXX no job. XXXX XXXX XXXX missed XXXX payments. Got out made XXXX payment that day after XXXX calls in ten minutes after I told him not to call me. Now they wont accept the XXXX dollars I have to my name. Refusing the payment I can make, and threatening my license. I need my license to work once I get my tools back. Im trying and these people are like fentanyl ferrets.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made or authorized. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Please remove inquiries never authorized by me : XXXX XXXX XXXX XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX below that were never authorized by me : XXXX XXXXXXXX vacations handle by XXXX XXXX XXXX for the amount of {$760.00} XXXX XXXX. XXXX XXXX XXXX XXXX handle by XXXX XXXX XXXX for the amount of {$2200.00} XXXX XXXX. handle by XXXX XXXX XXXX for the amount of {$3500.00} XXXX XXXX. handle by XXXX XXXX XXXX by the amount of {$1100.00} XXXX handle by XXXX XXXX for the amount of {$5300.00} XXXX FIRST ELECTRONIC BANK handle by XXXX for the amount of {$3300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/2021 I was solicited to open a Capital One QuickSilver account, I responded and opened this account on XX/XX/2021. A few weeks later received another solicitation to open a Walmart credit card through Capital One. Therefore I opened the Walmart credit card on XX/XX/2021. For the next few months used both cards per the policy/terms and agreement, which was created solely by Capital One, this includes charges and making successful payments. 
You can imagine my shock when I received letters from Capital One dated XXXX XXXX Capital One has decided to close both my accounts. 
Capital One has discovered past or present legal action involving an individual or entity associated with the account Unfortunately it can not be reopened and we are not able to offer additional information about this decision Capital One committed numerous violations just in the wording of the letter, but also violated our contract and both the State of Michigan and Federal laws. 
First, claiming Capital One is not able to offer additional information about this decision is not only a clear lie, I mean why not they have the information, because they used it to make their decision. Maybe they have information that they shouldnt. Further, refusing to provide a specific reason directly violates consumer rights protecting against discrimination. Capital One knows this, which means Capital One is deliberately breaking the law with the intent to cause me harm, this is another breach of contract. 
I am requesting the specific information Capital One used to close my accounts. Additionally, since Capital One has admitted they solicited me in error, that they allowed me to open these accounts in error then all information concerning these accounts should be deleted from my credit reports. 
As part of accepting the terms of the contract between myself and Capital One I agreed to the terms with the condition that I would have an open line of credit as long as I did not violate any policy or terms which I have not.
Product: Debt or credit management

This company states that I lease a house from them between XX/XX/XXXX and XX/XX/XXXX in XXXX Mississippi and I reside in XXXX TN they stated I owe them {$6000.00} and sent it to a collections agency so I contacted them and the XXXX  to help me. the company is called XXXX XXXX and the collection agency is Absolute Recovery Solution
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureau must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX Date Opened : XX/XX/2017 XXXX : {$820.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attatched USAA 1099-C ( Account ( 4 ) XXXX ) CANCELLATION OF DEBT ( Closed XX/XX/XXXX ) credit limit {$15000.00} CANCELED DEBT {$9600.00}. See attatched XXXX   Credit Report " VERIFIED '' by USAA. USAA FRAUDULENTLY CHANGED ACCOUNT NUMBER TO Account. ( 5 ) XXXX Reported Sold Reported Date Closed XX/XX/XXXX Kindly Note credit Limit {$15000.00}. USAA REPORTS INFORMATION CHANGING ACCOUNT NUMBERS??? Kindly Note THIS ( ACCOUNT IS ( 4 ) XXXX ) credit limit {$3000.00} Opened XX/XX/XXXX?? How did the Cancelled Debt Account become a new Fraudulent Account to charge off?? DECEPTIVE UNFAIR FRAUDULENT CREDIT REPORTING
Product: Money transfer, virtual currency, or money service

My pay pal account got hacked and opened up 4 more different credit accounts and my tax refund.
Product: Credit card

On XX/XX/XXXX upon noticing a receipt from a company called XXXX I reached out to the merchant and advised them that I did not authorize this transaction and I would like my money refunded as soon as possible. It should be noted that I reached out immediately upon receiving the receipt on XX/XX/XXXX and the transaction was still in processing stages. There is no contact number for the merchant. Just a support email for matters related to the above. I reached out to chime, my financial company, and informed them of the matter at hand and a dispute was filed. It should be noted that no prior transactions were made to this merchant and the item in question is a XXXX XXXX XXXX XXXXXXXX. In which further confirms that such item could not have been from me. 
On XX/XX/XXXX I received a email from chime that my dispute was denied. I immediately called chime to ask for an explanation as to why my claim was denied, however chime failed to provide me with a reasonable explanation as to why. It should be noted that as of today XX/XX/XXXX the item in question still has not been received. There has still been no response from the merchant to me or to chime. Chime still has not provided me with an explanation as to why my claim was denied and I believe my rights are being violated. Chime sent me a link of what evidence they used to make there determination and it only included evidence I submitted in, which was emails that I sent to the merchant advising them that this transaction was unauthorized and requesting a refund. On XX/XX/XXXX I checked the status of the item and it is still reflecting in the merchant system as pending with a frivolous order document of the item.
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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights.

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, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX Balance {$21000.00} ; XXXX XXXX XXXX XXXX Balance {$10000.00} ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX.