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

I am a victim of identity theft. A credit card was opened online with Target by the person who stole my wallet ; the account was approved. The credit card was opened XX/XX/XXXX. I was not aware of this CC until XXXX when I was being charged for an amount I never spent. I called Target in XX/XX/XXXX to dispute this matter. The gentleman said not to worry as he would close it and mark it as fraud ; however, that did not happen. I called again in XX/XX/XXXX because my loan XXXX told me the Target CC affected the loan process since it showed it was delinquent. The person who was handling my account told me my claim was denied because I did not complete the questionnaire, however, I never received a questionnaire. I called again in XX/XX/XXXX because I had not received the questionnaire. I spoke to the lady and asked her to email me the questionnaire. I completed the questionnaire and sent it in. I received a notice in XXXX advising my claim was denied. I called to dispute this matter, and I threatened to sue them, and the lady told me to go ahead and do so. I explained myself over and over, and I sent in the police report which reads my wallet was stolen along with my SSN and ID 's. She said she could do nothing because someone had called to make a payment and even set up an arranged payment. I told her they did the same with my other credit cards and even maxed out XXXX of my clothing credit cards. She didn't care to listen. I asked for the details ; what debit or credit card did they use to make this arrangement and for the successful payment? Have they reviewed the cameras of when this person made the purchase in the store and all she said was she could not provide those details. My credit score dropped almost 100 points because it was maxed out and because it was past due in payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a request to Kay Jewelers/Sterling Jewelers disputing the credit report information requesting that they send me information regarding my debt per the Code of Federal Regulations 16 CFR Part 660 " Responsibility of Furnishers. '' After not hearing from them after their allotted 30 days, I sent them another letter informing them of their violation for not responding and I requesting that they remove the negative credit item in question. However, rather than them responding appropriately to my requesting by supplying me with the requested items outlined below : 1. The original account name and number? 
2. What was the original amount owed? Please provide complete payment history, starting with the late charges, interest, date of payments received, date of payments posted, charges made and date of charges posted. Copies of all documents and financial instruments used to pay on this debt. 
3. Please provide me documentation that indicates that I agreed to pay someone this sum of money and copies of all charge slips, invoices, promissory notes, and all other documents proving indebtedness. 
4. What was the original date of my first delinquency for this account?

5. Copy of the originally signed contract Insead they sent me a FRAUDULENT back-dated as a stall tactic. I have attached a copy of their letter that was back-dated to XX/XX/2020 but the envelope was postmarked XX/XX/2020 that I received today XX/XX/2020 that is attached to this complaint.
Product: Debt collection

I have contacted Raz lavar via phone and by there social media website pages leaving voicemails no return calls spoke to XXXX about two weeks ago told me there was paperwork that i would have to sign after I agreeded to the payment arraignments still nothing as of todayXXXX XXXX which I find to be very unprofessional if they want the debt to be paid they should be willing to call which they dont. spoke to the creditor XXXX  was yelled at more than once by the rep on the phone to in her words pay the damn bill we sent it to the law firm and how dare I let it go this far. i have since gotten numerous unwanted calls by XXXX  harrasing me before XXXX and after XXXX I have gotten numerous other law firm calls stating they had the debt so I am at this point were I want a cease and desist since from day one I have done everything to try to resolve with nothing professionally being accomplished by XXXX  or any respected partners and I have had it I deal with XXXX XXXX and XXXX  and I will not be yelled at by no one and as I have stated before I want no further contact if not I will sue myself for harrasment I am not going to give my bank info for payment if no one can return calls as I have had my identy stolen before and I am not doing it again. Raz Lavar and XXXX should be ashamed of themselves for the unprofessional ways they have dealt with this
Product: Debt collection

Debt collection company failed to provide any of the legally required " Validation '' items as requested by Certified Letter within the first 30 days after notification of purchase of a debt and intent to collect. Consumer is knowledgeable as to what constitutes legally required Validation materials under the law and the formal process requesting such information. To date, no Validation documentation has been shown to exist. Company has never provided a single required document or a formal, company authorized official response on corporate letterhead by a management level representative. Company responses have been a single statement that they only received an " electronic '' file from the creditor and therefore have nothing to provide, along with snarky, smart-aleck comments in the tiny note section of collection notices received. 

A " Cease and Desist ' letter was sent by Certified Mail in XX/XX/XXXX. For 3 months, the company honored that demand. But beginning in XX/XX/XXXX, the company again began sending out collection demands. 

The company placed the collection on the 3 major Credit Bureaus even though they failed to present a single document as required by federal law to " Validate '' the debt. 

XXXX and XXXX  have not responded for 60 days after submitting a dispute. XXXX  responded that the debt was valid even though the debt collection company can not provide any Validation documentation or evidence to consumer. In XXXX, consumer sued and won a similar complaint against XXXX  for removal of false, incorrect information.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX To Whom it May Concern, I recently receive a copy of my ( XXXX, Equifax & XXXX XXXX credit report and noticed some late payments posted on my credit report. 
XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) Your company is in clear violation of the law. Under 15 U.S.C. 1666 ( b ) -permissible purpose of a consumer reports. THE LAW CLEARLY STATES.

( a ) IN GENERAL Subject to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer report to whom it relates. 
Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S.C. 16681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXLUSIONS-Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subjects to section 1681s-3 of this title any -- - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report : Delete the above late payment from my consumer report, this agency is in violation of 15 U.S.C. 1668.

Failure to respond satisfactory with deletion of the above referenced account, and sent out a free copy of my report after the changes have been made will result in legal action being taken against your company, for which I will also {$1000.00} per violation fee.

1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity fraud 3. Fair Debt Collection Practices ACT 15 U.S.C. 16692g violations 4. Fair Credit Reporting ACT U.S.C. 1681 violations for willful noncompliance- 616 Civil liability for willful noncompliance [ 15 U.S.C . 1681n ] Sincerely, XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I wasnt sure which option to choose when putting this complaint together. 

I have a moneylion account that is paid off and the membership is canceled. When I try to use the account deletion option on the app it doesnt work. 

When I contacted customer service they said they cant delete my account only deactivate it. I want it gone. 

I was this account deleted and closed. I also want them to remove my linked banking information. And I want no further charges to be placed by moneylion since I have paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit co reflecting XXXX is 60 days late ... .it was totaled and paid off by insurance and GAP insurance. XXXX claims they were short paid by GAP insurance, chasing me for money.
Product: Payday loan, title loan, or personal loan

I applied for a loan online thru Ace Cash Express. I received an email from  XXXX   XXXX  letting me know that I was approved for a loan for {$5000.00}. Email included a letter from  XXXX   XXXX  along with the loan agreement. It said to call  XXXX  to finish the process. I spoke w/  XXXX  on  X/XX/17    who told me that in order to get this loan, they were going to deposit $ into my checking acct, & I needed to send back. He said I needed to do this because my credit was n't that good ( which it is n't ). They were going to deposit  XXXX  into my checking acct, & I needed to go to Walmart & send  XXXX  to  XXXX   XXXX  -  XXXX   XXXX  IL via  a Moneygram. Moneygram w as sent, & I paid  XXXX  ( incl  XXXX  fee ). I called  XXXX  to let him know th at Moneygram wa s sent, & he said to send him a copy of the receipt to his email, which I did. He, then, called me back letting me know that the {$5000.00} could not go thru, & it may be because my credit was low. He was going to try it again by depositing {$980.00} this time & to send back {$960.00} to  XXXX   XXXX   XXXX  IL via Moneygram, which I di d ( incl   XXXX  fee ). I called him again letting him know $ was sent, & he then told me again to send him a copy of the receipt, which I did. This went on for  XXXX  more times on  X/XX/17    ... deposited  XXXX , sent  XXXX  ( incl  XXXX  fee ) to  XXXX   XXXX  via  XXXX   XXXX  ; deposited  XXXX , sent  XXXX   XXXX   XXXX   XXXX  fee ) to  XXXX   XXXX  again via  XXXX   XXXX  ; deposited  XXXX , sent  XXXX   ( in  cl   XXXX  fee ) to  XXXX   XXXX  -  XXXX   XXXX  IL via  XXXX   XXXX . All of the receipts for these transactions were also sent to  XXXX  's email. We spoke again on Friday night,  X/XX/17   , & he said that everything looked good now on their end, & $ would go into my acct w /i 15 min s or on Monday. I sent him an email & text on Saturday to check on status & also left him a message as well ... .no response. When I checked my checking acct on Monday, I was negative  XXXX . The  1st  deposit of  XXXX  was taken out. I immediately called  XXXX  to find out what was going on because I was also unable to use our debit card or check acct on my cell phone, & they explained that my acct was locked & looks like all the deposits will probably be taken out,  & I may ha ve been scammed. I am now negative  XXXX . I spoke to both  XXXX  &  XXXX   ( w ho I think are the same person  ) s everal times on Monday & Tuesday, & they both told me that they would look into it & get back to me. I called again on Tuesday night & was told by  XXXX  that he could send me {$5700.00} via    XXXX   XXXX    if I paid {$500.00} fees. I told him I was not going to give them anymor e ,  & I wanted my $ back & was going to report them the authorities.
Product: Bank account or service

On XXXX XXXX, 2015 I deposited {$200.00} into the Fifth Third Bank ATM on XXXX XXXX XXXX XXXX, in XXXX, NC XXXX. During my deposit the ATM shut down while taking my money. I immediately went into the bank and explained what had occurred to the bank manager. The manager stated that the bank would give me a provisional credit in the amount of the deposit, which they did within the next business day. However, on XXXX XXXX, 2015 I checked my balance and found that the bank had debited back out the same amount. I called the Dispute Resolution Team at XXXX and was told that someone would give me a call. I received a call from the Dispute Resolution Team Member ( XXXX ) on XXXX XXXX. He stated they would view the video tape from the ATM during the time I made the deposit, and if it was observed that I was making a deposit into the ATM, then I would be again credited money back into my account. He stated I would receive a call back within XXXX hours, which would have been today, XXXX XXXX. I still have not received a return call.
Product: Credit reporting, credit repair services, or other personal consumer reports

COMENITY IS NOW REPORTING MY XXXX ACCOUNT WITH NO STATUS AND IT IS BEING OBSERVED AS A NEGATIVE ITEM ON MY CREDIT. THIS ACCOUNT IS OPEN AND CURRENT WITH MONTHS/YEARS OF A EXCELLENT TRADE LINE. ALL OTHER ISSUES REPORTED WITH THIS BANK ARE STILL NOT ADDRESSED
Product: Credit card

Every month starting in XXXX I have received a credit card application from Chase JP Morgan I called and said that this was not a correct address it was an old address for me and that I was not applying for credit in their company 's name I then called XXXX and placed a fraud alert on my account I still received a credit card application the next month so then I therefore went and put a credit freeze on all three credit bureaus I received another credit card application and XXXX I called and said that wasn't me again and I've asked them to ask for identification they refuse I keep telling them this is not me I just received another credit card application data XX/XX/XXXX I wish them to stop making credit card applications in my name
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft. Someone in Florida took out a credit card in my name that shows up on my credit report. I have never lived in Florida and thought this was resolved with the financial bank in Florida but it is still showing up on my credit report. I don't know what I have to do to have it removed. Help!
Product: Credit reporting, credit repair services, or other personal consumer reports

Shelly point mortgage is showing that my mortgage is in dispute. this is effecting my refinance on my owner occupied home. they are also showing a late fee on the monthly statement and i have never been late on this loan in 15 year.
Product: Student loan

Please see attached document. I was seeking an in school deferment waiver for loans taken out from XXXX which had already entered repayment. I submitted the form that was sent with my last complaint and Mohela failed to address the time frame. I am attaching the initial complaint and response.
Product: Checking or savings account

I had a certificate of deposit maturing at CIT Bank, and the bank automatically renewed it without my consent. I did not want it automatically renewed. to make matters worse they renewed it for a drastically lower rate ( 0.3 % ) than the national average and drastically lower than the rate I was provided the first time around. it's clear that they are automatically renewing CDs at a punitive rate because the customer is not opting into this rate they think they can get away with it. On their website there's no option to terminate the CD And get my principal back, even with penalty.
Product: Debt collection

I am submitting this complaint because I received a letter a few months ago from Velocity Investments LLC. I assume that the letter was a scam because I knew nothing about the stated debt and did not reply to that letter. 
On XX/XX/XXXX I received an email from XXXX ( XXXX XXXX XXXX ) about the same debt which they were now collecting for Velocity Investments LLC. in the amount of {$1400.00}. 
Please note that XXXX XXXX XXXX Email dated Wednesday XX/XX/, is acting on behalf of Velocity Investments LLC. who stated they assumed the debt from the XXXX XXXX XXXX. 

They stated that as of XXXX XXXX that I owe {$1400.00}. I mailed a certified dispute letter to XXXX on Wednesday XX/XX/XXXX to dispute the collection letter received. I requested they correct their records regarding this invalid, non-verified debt and to discontinue any type of communication regarding that debt. 

Please note that the dispute letter was sent to XXXX physical address only as reflected below. The po box is provided for references only. 

XXXX XXXX XXXX ( XXXX ) ( Physical Address ) *XXXX XXXXXXXX Address Formerly Known As XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX DE XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On two separate occasions, XX/XX/XXXX and XX/XX/XXXX the company XXXX XXXX ran my credit in order to process financing options for the purchase of a car. 

In each instance, they guaranteed that this process would show up as one hard inquiry per " processing '' ( once on XX/XX/XXXX and once on XX/XX/XXXX ). Now, Transunion and XXXX both show 3-5 hard inquiries per time, negatively impacting the " Hard Inquiries '' section of my report and thus my score.

I have reported this to Autolenders and they stood by that it " should '' only show one hard inquiry per, and send verbiage directly from XXXX 's FAQs section assuring the same. Despite that, I show as having 10+ hard inquiries on my report due to this.

Transunion shows 5 hard inquiries on XX/XX/XXXX : XXXX ( Finance ) XXXX XXXX XXXX ( Bank ) XXXX XXXX  ( Finance ) XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX ( Finance ) 5 hard inquiries on XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX ( Bank ) XXXX XXXXXXXX ( Bank ) XXXX XXXX XXXX XXXX  ( Finance ) XXXX  ( Finance ) XXXX shows 5 hard inquiries on XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I am writing to ask that the late payment status on my credit report to " Paid as Agreed '' or " OK. '' As you may be aware, it is illegal to report a late payment on a credit report especially if the payment was actually made on time. This is a violation of the Fair Credit Reporting Act ( FCRA ), as outlined in 15 U.S.C. 1681. Specifically, in section two, it states that a persons consumer report can not report transactions or experiences between the consumer and the person making the report. That person, in this case is Chrysler Capital, reporting on a late payment transaction. On XX/XX/2021, -- three days before the due date -- I made a payment on my account with Chrysler Capital, but for some reason, it was not processed in a timely manner. As a result, a late payment was reported on my credit report. I believe this is an error, and I am requesting that it be corrected. I understand that Chrysler Capital has a responsibility to report accurate information to credit bureaus, and I appreciate the importance of maintaining accurate credit reporting. However, I also believe that it is important to ensure that errors are corrected and that customers are treated fairly. I am requesting that action be taken to correct this error and update my credit report to reflect that the payment was made on time. I believe this is the fair and appropriate course of action in this situation. Thank you for your attention to this matter. I look forward to hearing from you soon. 

cc : Michigan Attorney General XXXX XXXX XXXX Chrysler Capital
Product: Credit reporting or other personal consumer reports

To Whom It May Concern TransUnion XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REQUEST TO UPDATE ADDRESS To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - REPORTED XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - REPORTED XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THESE NAME VARIATIONS DO NOT BELONG TO ME NAME : XXXX XXXX XXXX NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE PHONE NUMBERS DO NO BELONG TO ME : ( XXXX ) XXXX Cellular ( XXXX ) XXXX Cellular THESE EMPLOYERS DO NOT BELONG ON MY PROFILE EMPLOYER : XXXX XXXX - REPORTED XX/XX/XXXX EMPLOYER : XXXX XXXX XXXX// - REPORTED XX/XX/XXXX EMPLOYER : XXXX XXXX  Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past XXXX months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 

XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Also they call day and night they have added way more then the original debt and continue to even after orig debt was paid they bought it for XXXX dollars and they have now charged me 325 % intreat on this debt which is illegal