23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company identifies as XXXX. They send me text msgs and calls every day asking me to call a XXXX XXXX or XXXX XXXX back at XXXX. 

They get me on the phone and start aggressively trying to make me share my information. Very aggressive and subjective language. Very harsh and insulting and sarcastic verbiage. I told them that my legal representation would be in contact and the response was, " Oh, sounds like you're really smart. How do you have a lawyer when you couldn't pay your bill? '' They also threatened to call my family members about a debt, which from my understanding is against the law. They mentioned my family members by name and said they would reach out to them. Also, tried to get me to confirm my employment, saying that they would be calling them upon getting off the phone with me.
Product: Debt collection

LVNV Funding LLC C/O Resurgent Capital Services XXXX, SC XXXX XXXX : Dispute of Debt Collection Account ( Account No. XXXX ) To Whom It May Concern, I am writing to formally dispute the collection account reported under my name and appearing on my credit report. The account, originally from XXXX XXXXXXXX XXXX XXXXXXXX, is listed as an installment debt with a balance of {$630.00}. I do not recognize this debt and believe it may have been reported in error or is otherwise unverifiable.

In accordance with the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681g and 1681i ), I am requesting the following documentation to validate this debt : 1. Proof of Debt Validation : Documentation that shows I am legally obligated to pay this debt. 
XXXX. Original Agreement : A signed contract between myself and XXXX XXXX XXXX XXXXXXXX, indicating that I agreed to the terms and the specific amount claimed. 
XXXX. Complete Payment History : A detailed record of all charges, payments, and correspondence related to this account. 

Under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ), I am entitled to debt validation. If this debt can not be validated with sufficient documentation, you are required to cease collection efforts and remove this account from all credit reporting agencies. 

Additionally, if this account has been re-aged or improperly assigned without my consent, this constitutes a violation of the FCRA, as creditors and collection agencies are prohibited from reporting inaccurate or incomplete information. 

Please note that any failure to provide validation within 30 days will result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and possibly legal action to enforce my rights. 

If the debt can not be validated, I demand that this account be immediately removed from my credit report and a written confirmation of its removal be sent to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated 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 items : XXXXXXXX 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

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. 
XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, 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 a account without my written instructions 15 U.S.C 1681c. ( a ) 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S, C. 1681s-2 ( AX1 ) A person shall not furnish any information relating to a consumer to any consumer reportina agencv if the knows or has reasonable cause to believe that the information is inaccurate
Product: Money transfer, virtual currency, or money service

PNC bank will not allow me to connect my bank account to my account on XXXX to transfer my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

The lenders of my student loans XXXX XXXX  reported a XXXX day late payment to my report despite the fact i have not taken a break longer than XXXX months. Now currently due to circumstances with the XXXX XXXX you are unable to set them up for a payment plan at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a creditor, XXXX Financial, reporting to all three credit bureaus that I have some sort of debt.If I ask for the details on this debt, the can not provide me any information as it belongs to a company I used to work at, and apparently not to me. 

Over the last year or so, this debt has shown up on my credit profile. In addition, it is associated with an address I have never lived at, the creditor says the debt is associated with the address. However I have never lived at that address. So even though I am not on the debt and not associated with the address, I am still seeing it on my credit reports. 

I have disputed with all three credit bureaus. It typically disappears for a short while but then reappears because they say it is associated with the address. Unfortunately I can not dispute the address because they say it is associated with someone reporting on my credit. 

It is a endless cycle. I can not remove the address because of the debt. Removing the debt ends up reassociating because of the address. Even disputing the address after removing the debt fails because it does not give them time to finish an investigation into removing the address by the bureaus before it is stopped because the debt pops back up. 

As for the debt itself, I can not get any information as information does not match on the debt. I no longer work for the other company, but even then if it is not mine, then it shouldn't be on my report. 

Can someone please help me get this resolved. Bureaus point to the creditor. Creditor points to the bureau. Any assistance would be appreciated. I can't seem to get anywhere.
Product: Credit card

In XX/XX/year>, I made an appliance purchase at Lowes with the Lowes credit card managed by Synchrony. I was offered 12 months to pay the balance without interest or fees and not much more explanation. I have made these purchases before from Lowes in the past with no issues. I made the following payments as documented through my XXXX XXXX XXXX XXXX XXXX : XXXX XXXX {$350.00} XXXX XXXX {$240.00} XXXX XXXX {$300.00} XXXX XXXX {$150.00} XX/XX/XXXX XXXX ( final payment ) I was never told that there were minimal monthly payments so I continued to pay with intention of getting it paid within XXXX months. 
On XXXX XXXX, I made online purchases from Lowes with the same card believing my balance was clear. I bought {$180.00} of supplies. When I received my bill due on XX/XX/XXXX, XXXX late fees of {$29.00} each were added from my first purchase regardless if it was paid off in full. I spoke with a representative on XX/XX/XXXX and a supervisor on XX/XX/XXXX. One fee was removed but I received different explanations about the remaining fee. It was confusing and not transparent. I was told that my bill pay didnt post before XXXX of the due date and that my bank bill pay with XXXX XXXX XXXXXXXX may not be dependable. I have never had any issues in years with this system. 
Theyre refuse to waive fees. They are not customer friendly.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or prepaid card

This account is closed and I called Equifax to get it removed since it's closed and horribly effecting my credit. When asked to remove, they refused, so I asked for them to send me my documents for that account, and they wouldn't respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reached out to the bureau requesting validation of debt for charge off account for XXXX  on my credit report I sent the first letter to them on XX/XX/27 and they sent a updated report with changing the payment status date I resent another requesting for verification of the debt and they still have not sent results or any documentation. I also sent another letter on XX/XX/27 and XX/XX/27 as well to the credit bureau and they sent no response and its been over 60 days. They only sending updates on the credit report with changing the payment status dates and payment history back and forth and all three bureaus are not reporting the same across all three. I requested investigation to be re done three times as well as sent documentation of proof with also factual data showing the inaccurate information and investigation still have not been resolved and no response from the creditor or correct investigation from the credit bureaus.
Product: Money transfer, virtual currency, or money service

I opened a Robinhood account sometime in XXXX XXXX and purchase a couple thousand dollars worth of coin. They then asked me to verify my ID before I could do anything with it, which is no problem. 

Over a week later, and they continue to move the date my account will be unrestricted. Contacting customer support is impossible. Their phone number tells you to use the app, and the only means of speaking to someone in the app is a bot that literally, and I am not exaggerating - just immediately asks me if my issue is resolved and my only option is to select " yes ''. They are completely ignoring me.
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 confidentially under 15 USC 1681 : Accounts : XXXX XXXX Accounts : # XXXX & XXXX & XXXX Seller : XXXX XXXXXXXX XXXX 
Comments : Consumer  sent settlement letters, no response. 

XXXX XXXX Accounts : XXXX Seller : XXXX XXXX Comments : Duplicate accounts showing on credit report. 

XXXX XXXX XXXX Account # Seller : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # Seller : XXXX XXXX XXXX XXXX Account # XXXX Seller : XXXX XXXX XXXX Comments : XXXX XXXX XXXX  has gone XXXX and failed to fulfill original contract of providing new vehicle once current lease was paid at least XXXX XXXX purchased debt and has assumed loan servicer title XXXX XXXXXXXX XXXX Account # XXXX Comments : Consumer sent settlement letters and has yet to receive response. Delinquency due to job loss.

15 U.S.C. 1681 section 602 A states I have the right to privacy.

15 U.S.C. 1681 section 602 A : also states a Consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c. ( A ) ( 5 ) section states : No Consumer reporting agency May make any Consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a Consumer 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 have contacted Transunion in reference to a past letter and also a recent letter sent regarding hard inquires that I did not authorize. They acknowledged and verified that the letters was received and verified the contents of the sent letter. They did not respond as asked and required by law. They did not delete anything nor did they said a letter detailing the process in which they verify the method in which was used to make sure the information was accurate and true-to-fact. I am requested due to the lack of effort to either respond or verify the information. The inquires should be deleted.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX Av XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00XXXX XXXX XXXX XXXXXXXX Balance {$7100.00} XXXX XXXXXXXX Balance {$10000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out that my identity information was stolen and was opened a fraudulent account by Discover Financial Services. I submitted FTC Identity theft report to the credit reporting agencies and Discover Bank. XXXX, XXXX, and XXXX  have deleted this fraudulent account from my credit report, but recently, I discovered that XXXX credit bureau reinserted the fraudulent account back to my credit report without my knowledge. I am a victim of identity theft.
Product: Payday loan, title loan, or personal loan

XXXX illegally approved me for a payday loan. Virginia law prohibits more than one payday loan at a time. Virginia law also states that illegal loans do not need to be repaid.

Debt Recovery Solutions has placed this account as a collection on my credit report. This company never contacted me prior to doing this to give me the required 30 day debt collection notice. 

Despite XXXX having been told on several occasions that this debt can not be recovered, they continue to submit this to collection companies.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following ITEMS which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

my information was exposed in a data breacXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  These are some of the inquiry that i did not give authorization to. Everything on my credit have be exposed in the data breach
Product: Credit reporting or other personal consumer reports

XX/XX/2023 I mailed a letter to all 3 credit bureaus informing that the XXXX XXXX XXXX has expired and I would like all of the items included in the XXXX XXXX deleted as well as the XXXX XXXX
Product: Credit card

Today 's mail had a letter and other materials for an " automatic upgrade to the Wells Fargo Visa Signature Card '' from XXXX XXXX XXXX, Senior VP, Credit Card. Unfortunately, the materials consisted of XXXX words in very small fonts explaining the " benefits '' of the program. The main cover letter contains confusing and sometimes contradictory wording. We called Wells Fargo customer service, XXXX, in an attempt to get some clarity about what was being offered. The representative on the phone was unable to help, seeming unfamiliar with the offer. All I really want to know is what is different about this card being offered compared to the card we have right now. The obfuscation here is mind-boggling!
Product: Checking or savings account

I opened a new checking account on XX/XX/XXXX under a {$200.00} promotional offer using the following link, https : //commercebank.com/XXXX, and used offer code " XXXX ''. I deposited {$100.00} into the account which posted on XX/XX/XXXX and then maintained a greater-than- {$100.00} balance in the account the entire time I 've held it ( transaction history attached ). Per the terms of the offer ( attached ), I should have received the {$200.00} promotional incentive after 90 days. Today, XX/XX/XXXX, marks 139 days since I opened the account and I have not received the promotion. I have contacted Commerce Bank through their Secure Message portal twice ( documents attached ) regarding this promotion ; first on XX/XX/XXXX being told that I should receive the {$200.00} in mid-XX/XX/XXXX and the second time on XX/XX/XXXX was told I would have received the bonus 90 days after account opening if the requirements were met. I called their Customer Service number, XXXX, on XX/XX/XXXX and was told I needed to maintain a balance of {$5000.00} in the account to earn the promotion, which is not consistent with the terms. After requesting to speak with a supervisor, the agent was unable to locate one and believed all had left for the holiday weekend. The representative then transferred me to their nearest branch to me so I could speak with the local bank manager, however, he had gone home for the weekend as well. I spoke with a local banker who submitted a form on my behalf to look into the issue. After following up on XX/XX/XXXX,  I finally received a call back today, XX/XX/XXXX, and was told that because I did n't deposit {$100.00} at account opening, I was n't eligible. This is not clear from the terms, which states, " Minimum balance requirement of {$100.00} in CommerceRelationship Checking to receive the {$200.00} bonus. '' With the posting of my opening deposit of {$100.00}, I have maintained a minimum balance of > {$100.00} for the entire time the account has been opened in accordance with the terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with DSNB MACYS and XXXX  XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, DSNB MACYS and XXXX  XXXX  with no successful resolution. There was definitely an error on their part.
Product: Credit reporting or other personal consumer reports

I am the author of this complaint. 

I applied for an apartment and was denied due to an account being on my credit report. The leasing manager reached out to me and told me that iQ DATA INTERNATIONAL INC ( Original Creditor : XXXX XXXX XXXX ) was the account responsible for my denial. I have to relocate within the next 30 days and this company has caused me great harm and inconvenience. 

I paid an application fee to XXXX XXXX XXXX but ultimtely decided not to move forward with moving in. XXXX XXXX XXXX reimbursed me the application fee via check in the mail but now they are making collection attempts and reporting on my credit report. 

This company is reporting on my credit report falsely, inaccurately, and fraudulently. I exercise my right to opt out of all reporting from this company to my credit report and I exercise my rights under the Fair Credit Reporting Act to have this account removed immediately.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I requested an XXXX XXXX Credit Card with Citi bank, I live in Hawaii, and on XX/XX/XXXX, I got a text message saying that there is suspicious activity in my account. So I checked my Citi bank app and there were different charges placed on Florida and the XXXX XXXX with a total of ( {$200.00} approx ). 
I called Citi Bank, they said they will start an investigation and they will send me a different credit card, well after what happened I felt so insecure that I decided to not activate the new credit card. 
On XX/XX/XXXX, I got the same text message saying that there was suspicious activity in my account, I called Citi Bank, the agent told me that there was an XXXX account that they did not disconnect from my previous card and the charges were placed thru the XXXX XXXX ( I don't have any XXXX products I use XXXX ). She said I did not have to worry and they will send me a new credit card, I asked to please close my account I was not interested in getting a new credit card after what happened twice. 
But on XX/XX/XXXX, I got a bank statement saying that I have a balance of {$490.00} Which I did not know how that happened if I did not have a pending balance after my first card and I never activated my second card. 
I sent an email and I called Citi bank again but since my account was closed they did not help me. 
I refuse to pay that balance because I did not use it, and again all those charges were placed in a different State. 

I have attached to screenshot of the text messages. 
Also a report of the day I closed my account and an email with a statement after that.
Product: Student loan

I request debt validation. 

I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ). 
Documentation or proof showing my liability toward this account, such as a signed contract corresponding my Social Security number with my signature.
Product: Debt collection

I am writing to formally lodge a complaint against Receivables Management Partners LLC regarding their persistent and harassing behavior over a claimed debt. Despite having all my bills covered by my insurance, I have been subjected to numerous voicemails and calls at all hours from this company.

Receivables Management Partners LLC has been leaving numerous voicemails and calling me at all hours. 

These calls and messages have continued despite my insurance having already covered all my bills. 

The persistent nature of these communications has caused significant distress and inconvenience. 

Thank you for your attention to this matter.