23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This is a formal complaint that LVNV Funding has been reporting inaccurate and incomplete account information to my credit file. I am distressed that LVNV Funding have included the inaccurate information on my credit profile. LVNV Funding have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit information they report. This account has been paid in full and was told it would be deleted from the XXXX major credit bureaus it reports to. Therefore LVNV Funding should not be reflecting negative on my credit files. I am maintaining a careful record of my communications with you for the purpose of filing a complaint to the FTC if the non-compliance continues. Like, XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXXXXXX ). Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Violations of 15 U.S.C 1692g Delete this from my report as it is not accurate.
Product: Credit reporting or other personal consumer reports

Upon checking my credit file I found several accounts that should not be there. I'm now writing to dispute the following accounts.1 ). XXXX # XXXX {$230.00} CHARGED OFF XXXX XXXX XXXX XXXX  # XXXX {$2600.00} CHARGED OFF XXXX ). XXXX # XXXX {$13000.00} CHARGED OFF XXXX ). XXXX XXXX XXXXXXXX {$0.00} CHARGED OFF XXXX ). XXXX XXXX XXXX XXXX {$0.00} CHARGED OFF XXXX. ) XXXX # XXXX {$9900.00} CHARGED OFF XXXX ). XXXX # XXXX {$15000.00} CHARGED OFF XXXX ) XXXX  # XXXX {$9900.00} CHARGED OFF XXXX ) XXXX XXXX # XXXX {$9900.00} CHARGED OFF XXXX ) XXXX  # XXXX {$75.00} XXXX XXXX XXXX XXXX  XXXX {$4500.00} CHARGED OFF XXXX ) XXXX XXXX  # XXXX {$1000.00} CHARGED OFF XXXX XXXX XXXX XXXX XXXXXXXX {$6700.00} CHARGED XXXX XXXX XXXX XXXX  # XXXX {$1000.00} CHARGED OFF XXXX ) XXXX XXXX XXXXXXXX {$550.00} XXXX ) XXXX XXXX XXXXXXXX {$170.00} XXXX XXXX XXXX XXXX XXXX # XXXX {$10000.00} REPO XXXX XXXX XXXX XXXX XXXX {$720.00} CHARGED OFF XXXX ) XXXX XXXX XXXX XXXX {$5200.00} CHARGED OFF SOLD TO XXXX XXXX ) XXXXXXXX XXXX  XXXX XXXX {$12000.00} CHARGED OFF XXXX )XXXX XXXX XXXX XXXX  XXXX {$1000.00} CHARGED OFF. ALSO THERE ARE SEVERAL INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX OF XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Uder the Fair Credit Reporting Act, Section 15 USC 1681 ( b ) it is required that consumer reporting agencies only furnish consumer reports for specific permissible purposes. The conclusion of inaccurate or unverifiable information in my credit report does not meet these permissible purposes. 
Please delete all the disputed items as soon as possible. And update my credit report in the time required by law. 
Thank you for your prompt attention to this matter.
Product: Credit card or prepaid card

Background information : CareCredit offered me a promotion of no interest incurred if payed in full within a specific time which would have ended XX/XX/2023. Months prior to that, I signed up for CareCredit to automatically withdraw XXXX  on every XXXX of the month. When I looked at my statement I saw that I would have to pay an additional XXXX for the month of XX/XX/XXXX in order to complete the promotional period of no interest successfully. So I paid XXXX  on the XXXX of XXXX and the automatic XXXX withdrawal that takes place on the XXXX of every month would have paid off my promotion and I would not have incurred any interest. CareCredit and their underhanded devious tricks only debit an automatic payment on the XXXX of XXXX for XXXX  to equal a XXXX  and therefore prevented me from successfully fulfilling my promotional obligation and thereby they assessed my account for XXXX  interest on XX/XX/XXXX. 

The fact that they are accessing my account for amounts I did not approve is another offense itself. Using my account for unauthorized payments is against the law. 

We all know when automatic payments are set up and payments made in addition to that has absolutely nothing to do with deducting from automatic payments. It was dirty and underhanded. I want them punished and I believe we should receive a monetary punishment from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXL AS and XXXX XXXX are in violation of my consumer right, i do recognize the company and i have never done business with them before. please verify the accuracy and i need the account permanently blocked from my report and any future report from the company.
Product: Debt collection

I became aware on XXXX a collections account was placed on my credit report. I called the collection company that was listed on my credit report. I was completely confused about how an account was in collections since I was not late on any bills. When I spoke with the collection agency they told me it was for an XXXX internet account that was established in XXXX and then became delinquent in XXXX or XX/XX/XXXX ( they gave conflicting information ). 

I then called my ex husband to ask if he was aware of this and he as well did not have any knowledge of an account that was sent to collections from XXXX. Together, my ex and I called XXXX and they did not have an account for me or my ex that was sent to collections. 

We ( my ex and I ) called the collection agency back to inquire more about the account that was placed on my credit. I informed them XXXX did not have record of an account in collection and ask them for the account number. They were reluctant to give me an account number and they were insistent on us going to a website to make a payment. When I told them I absolutely would not go to an unknown site to make a payment they became very agitated and aggressive. 

I believe this collection entry on my credit report is fraudulent and I believe the collection company is fraudulent. 

I called the collection agency and XXXX on XXXX ( Thursday ) around XXXX. The amount shown on my credit report is {$260.00} however I believe the collection agency said {$250.00} something and XXXX. 

The collection agency is Credence Resources Management XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX
Product: Mortgage

I was in a mortgage forbearance in the start of the pandemic XXXX of 2020. Their should have not report me late in XXXX of 2020 because of the forbearance. This really effects my credit score, I asked them about it about it but there was a miscommunication with the representative and the forbearance program was not added / removed. Since then I got into a mortgage modification. I was understanding that the past lates where going to be removed when agreeing to the modification. Since starting the trial program and entering the mortgage modification I have been on time with all my payments. I hope they can help me removing the latest.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS/INQUIRES LISTED DO NOT BELONG TO ME THESE ACCOUNTS ARE FRAUDULENT SOMEONE USE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Debt collection

i had a pay day loan with a company called XXXX XXXX. the interest rate was 200 % because of my poor credit rating. i borrowed {$2500.00}. i had paid over {$3000.00} back on the loan then was not working for a period of time and the loan went to a collection agency. i got repeated phone calls from the agency ( API Recovery Solutions ) stating that if i did not contact them that they would notify law enforcement. they also contacted my wife, sisters in laws, brother in laws, parents and even friends of friends. i finally called them back and told them to remove all phone numbers and stop contacting everyone except myself however even after that phone call they still continued to call. when i called them back to complain they again stated that if i did not come up with a way to pay back the debt they would persue legal action against me. i told them i could not pay back the full amount in a one lump sum of over {$8000.00}. I said i could do bi monthly payments in which i am paying now at {$500.00} every two weeks. however i only agreed to pay because of the threats for legal action. they also told that to all the friends of mine they called that if I didnt contact them then legal action would be taking. i feel this is a violation of my rights and feel they were in the wrong for contacting people other than myself the only person on the original loan. i feel i should not have to pay any of the remaining debt due to the harassment
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Al XXXX XXXX XXXX. Company ( Jefferson Capital systems ) XXXX XXXX XXXX XXXX XXXX, MN XXXX. XXXX XXXX Debt Validation Request Dear Sir/Mam I am writing to request validation of the debt you are attempting to collect from me. I received a notice from your agency stating that I owe ( {$1300.00} ) on account # XXXX. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting that you provide me with the following information to validate this debt : 1. The amount of the debt ; 2. The name and address of the original creditor ; 3. The date of the last payment ; 4. The date of the default ; 5. A copy of the original contract or agreement ; 6. A detailed accounting of all fees and interest added to the debt ; 7. Proof that the statute of limitations has not expired.

Please provide this information within 30 days from the date of this letter. If I do not receive a response or if the information provided is incomplete, I will assume that the debt is invalid and may take further action to protect my rights. 

Please note that I am not admitting to owing this debt and am only seeking validation of the debt as required by law. 
Sincerely XXXX XXXX
Product: Money transfer, virtual currency, or money service

I filled a complaint earlier where the lender does not want to take any responsibility or try to help and resolve the issue. If anything they have been the opposite. what is my next step?
Product: Credit reporting or other personal consumer reports

I had no student loans with navient. I certified mail multiple letters to XXXX in XX/XX/scrub>XXXX XXXX XXXX
Product: Credit card or prepaid card

I have a prepaid debit card with Current. In XX/XX/XXXX many different fake companies like XXXX XXXX  XXXX, XXXX, XXXX, was charging my account. I did everything I was supposed to do including getting another card to stop this. I filed a complaint with current and they said they investigated this. I dont think they did because I just got another charge on my account yesterday XXXX XXXX, XXXX @ XXXX XXXX  at XXXX XXXX. I live in XXXX, CO. and we dont even have a XXXX XXXX. I told Current right away that this is not me and please look into it. I want it to stop. I just received a new card not that long ago from other problems. So there should be no reason why my card should be being charged. Plus I dont have a balance. When I talked to XXXX from Current she said I cant file a complaint just get a new card and I will get it in weeks. I told her no because I'm going to get unemployment again and I dont want to wait that long for a new card. She did it anyway without my permission. Now I have to wait because I cant change my card on unemployment at this time. This has been a continual problem with this card since i got it early last year. Even if I change my card it continues.. I dont know what is going on.. I even investigated these charges and sent them the info. Nothing came of it. I just know that my money keeps being taken and they do nothing about it.believe it or not. as i was doing this complaint another charge tried to come through and they cancelled my card.. unbelievable
Product: Checking or savings account

I AM FILING A COMPLAINT ON NAVY FEDERAL CREDIT UNION DUE TO MULITPLE OVERDRAFT FEES INCURRED. DISPITE HAVING SUFFICIENT FUNDS WHILE TRANSACTIONS WERE EXECUTED, I WAS CHARGED OVERDRAFTING FEES IN A GROSS AMOUNT DUE TO THE FACT OF LATE POSTINGS WITH THIS CREDIT UNION. THIS ISSUE ALLIGNS WITH THE CFPB 'S FINDINGS DURING AN INVESTIGATION OF THE CREDIT UNION WHERE SIMILAR PRACTICES FROM THE BANK WERE EXECUTED. THESE PRACTICES ARE BOTH UNJUST AND UNLAWFUL AND I REQUEST AN INVESTIGATION TO MY ACCOUNT TRANSACTIONS.
Product: Credit reporting or other personal consumer reports

I do not consent to electronic communications. I request all responses be in writing through the USPS. Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : CREDIT ACCEPTANCE CORPORATION XXXX
Product: Credit reporting

On XXXX XXXX I received a letter from a creditor lowering my limit due to a discharged debt on my credit report. I obtain my report and discovered a debt Listed as " XXXX XXXX '', Industry Type -- XXXX, Address- XXXX, MN, XXXX, Account Balance $ XXXX/Charged Off. I HAVE NEVER HAD AN ACCOUNT, NOR ANY BUSINESS DEALINGS WITH THIS COMPANY. I initiated an online dispute with Transunion on XXXX. On XXXX Transunion results -- '' Verified No Change '' On XXXX I requested a INVESTIGATION, by Certified Mail because I was not satisfied with findings-stated No Knowledge of the Debt, and never any business dealing with the company. Upon checking my credit file I reviewed my " updated '' file at Transunion. Again this XXXX XXXX was listed as a an Adverse Account, EXCEPT, the loan type/Industry was now changed to XXXX. It stated Date Open was the same XX/XX/XXXX, Date Closed -- XXXX, Payment received {$0.00} and High Balance {$1000.00}, there was a phone number added XXXX. I did not try to contact this company because I have never had any dealing with them period. I did write another letter to Transunion, sent Certified mail on XXXX XXXX, XXXX, requesting information on discrepancy of the Industry type and loan type. I requested information on how the debt was verified. I received a letter from Transunion, dated XX/XX/XXXX, stating " based on information provided to Transunion, our records show that the information you disputed does not currently appear on your Transunion credit report. '' On XXXX XXXX upon review of my Transunion credit report, THIS ACCOUNT IS STILL LISTED AS AN ADVERSE ACCOUNT. I called Transunion and could not reach ANYONE who Would explain the contradiction of their letter dated XXXX XXXX and the credit report that I reviewed on XX/XX/XXXX. I have not contacted XXXX XXXX, I have never done business with them in their XXXX nor their XXXX businesses. I would appreciate you help, Guidance, direction and/or instruction on correcting this ERROR and removal from my credit report. I have NEVER had a negative/adverse report from my creditors. Thanks You
Product: Credit reporting, credit repair services, or other personal consumer reports

I read online at your website that companies would try to help with FORBEARANCE? I did not know what the word meant until 6 months into the PANDEMIC DISASTER and another creditor said something about it was XXXX XXXX, so I XXXX it and it told me what it was? like I said no one offered to me until a little late? well, I took a lot of abuse from the creditors, but this one took it to a new level and try to get me to come online so they could mess with me PAYPAL SYNCHRONY BANK, I couldn't find an email that offered me that? I told every one of my creditors that I have a DEBT CONSOLATION COMPANY and all they would say owe we don't deal with them, but if they told me I could get a forbearance I could of canceling my DEBT COMPANY because it would have been much better and faster and know ABUSE.I was told that it showed my PAYPAL ACCOUNT was closed from one of the credit bureaus, but the damage is already done because my XXXX SCORE went from XXXX to present XXXX and I had card closures and credit limit lowered like around XXXX dollars in all, that hurts I worked hard for that XXXX SCORE?? That was the best score I ever had and I was proud of it, One time I got online with Paypal and they lowered my limit on my PAYPAL MASTERCARD, nd it is a XXXX  dollar limit and they lowered it to XXXX dollars and I went to cancel it and they said if I cancel that card I would lose my AMAZON CARD?? so I didn't do that, so is that ok?? If you could receive the CHAT ONLINE you can see all the XXXX I had.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

About 3 weeks ago I received a XXXX form from Chase for {$960.00} I called customer service and was told to accept the amount, no explanation or breakdown of how the bank arrived at that figure.

I was told research would take 5 business days. Its been longer than that and no one has gotten back to me. I sent a message through online banking last week, and got a response that said I would get a response in 5 business days, it has been 6 business days. 
I need to do my taxes and with this problem I am unable to do them. The last 4 digits on the XXXX XXXX of the credit card account in reference is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # XXXX XXXX XXXX XXXX, 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 an account without my written instructions '' 15 U.S.C 166b " a Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. 

15 U.S.C 1681a ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS : Except as provided in paragraph, the term consumer report does not include -- ( a ) Subject 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX, 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 an account without my written instructions
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian for violating the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 5 ) ( B ).

I previously disputed the following accounts on my Experian credit report, which were found to be inaccurate and subsequently removed : XXXX Balance XXXX {$800.00} Credit Limit XXXX {$750.00} Account Number : XXXX Status : Closed Date Opened : XX/XX/XXXX XXXX Bank Balance : {$1700.00} Credit Limit XXXX {$1100.00} Account Number : XXXX Status : Closed Date Opened : XX/XX/XXXX However, these accounts have been reinserted into my credit report without any notification from Experian within the required five business days.

This action is a direct violation of FCRA Section 611 ( a ) ( 5 ) ( B ), which mandates that consumers must be notified if previously removed information is to be reinserted into their credit report. The lack of notification has caused unnecessary stress and potential harm to my credit standing. 

I have already contacted Experian regarding this issue but have not received a satisfactory resolution. Therefore, I am seeking your assistance to ensure that Experian complies with FCRA regulations and corrects this issue immediately. 

Attached are copies of all relevant correspondence, including my official police report, FTC Report, and confirmation of the account 's removal.
Product: Debt collection

They 've been calling constantly all day long for weeks now. When I 've answered the phone, they either hang up or just breath into the phone. I had to block the number. I XXXX the number and saw that it 's Credit Collections U.S.A., who have ALOT of complaints against them. I have NO debts. If they 're calling about my ex wife, we 've been divorced over 15 years and I 'm not responsible.
Product: Checking or savings account

I did a {$50.00} money transfer that didnt go through from XXXX XXXX to PNC Bank on a Friday XXXX 6 days later it never posted. I kept calling and was told there was a holiday the next week. I filed a claim to return the funds back to my XXXX XXXX account and deposited a {$38.00} check on XXXX. Now without any explanation PNC bank is closing my account and customer service says they have that right and dont have to have any explanation for closing customer accounts. I asked abt my returned money transfer and deposited check and was told to wait for a letter in the mail. It cant be legal to do that to customers. Especially after they charged me a monthly fee and overdraft fee that I requested be removed from my account bc I was waiting for the {$50.00} money transfer into my PNC bank account.