23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received my credit report and i have tried to dispute with an account with LVNV FUNDING.  I have noticed there are multiple inaccuracies on this account between XXXX XXXX XXXX. I have sent a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA on XX/XX/2021 It has been more than 30 days and i have not received a letter back, Heard from LVNV FUNDING LLC Nor received any of the following below from this debt collector : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein XXXX agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. I have also asked to Please provide the name and address of the bonding agent for LVNV FUNDING LLC in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. I AM DEMANDING THIS ACCOUNT BE REMOVED FROM MY CREDIT ACCOUNT IN THE NEXT 10 DAYS OR I WILL BE SEEKING LEGAL ACTION I HAVE ATTACHED MY POLICE REPORT I THIS COMPLAINT AS REQUESTED BY LVNV FUNDING LLC!
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2016 my father suffered a XXXX XXXX XXXXnd was in my care.He passed Away the care of myself ; which required me to leave my residence and move in to my grandmothers residence. Now it has come to my attention that my home had been intruded upon and my personal information was stolen for the purpose of obtaining credit and residency without my knowledge in an identity-theft crime. I have reported this to local and federal authorities in hope of apprehending the criminals and put an end to their illegal use of my personal information. They have obtained credit or have presently open accounts. All accounts are listed in the report.
Product: Checking or savings account

Dear CFPB, I am writing to file a formal complaint against Early Warning Services for their unlawful actions, specifically the unauthorized inquiry into my consumer report. This action has adversely sabotaged my ability to open a checking account, thereby impacting my financial well-being which is causing me not only severe emotional distress but also financial distress and damage. 

I discovered that Early Warning Services was violating my rights on XX/XX/year> ; I promptly disputed the false allegations within my file. ( Reference : consumer # XXXX. ) In my dispute, I highlighted the violations of the Fair Credit Reporting Act ( FCRA ) by Early Warning Services, citing 15 U.S. Code 1681. 
I have attached supporting documentation, including a copy of the dispute letter and their audaciously dismissive actions in response to my valid concerns and lawful request for resolution. 

Furthermore, Being deprived of a checking account has significantly affected my ability to conduct daily transactions, receive my taxed earnings from work, efficiently manage my finances, and overall completely restricting my access to essential banking services as a lawful citizen in this nation.
Product: Credit reporting

While reviewing my credit report, I noticed that USBK employees had initiated an unauthorized and fraudulent inquiry into my XXXX credit report XXXX/XXXX/2015. I did not at any time authorize or consent to USBK to review my report for any purpose. This egregious act is in clear violation of my Privacy Rights and FCRA 1681 b ( c ). 
I am requesting for any verifiable evidence to support any consent I may have given to USBK employees for this gross negligent act to be provided me within 5 days for my verification.
Product: Credit card

Went to XXXX on Vacation sent payment in XXXX XXXX  and they did not receive it?? I called and told them to take the minion balance out for my act to pay and they did not do it? When I came back they closed my Spirit Master card and told me it was too late to reopen it?? I paid the XXXX dollars I owed and then they told me they would let me know if I had to pay anything else?? But they did not stop and kept on sending me each billing cycle that I owed them the minimum balance so I went to the branch and was told XXXX pay it>I am not paying this if my account was closed ... they owe XXXX XXXX dollars for the card fee..I did not wasn't this account closed..as I use it for travel?? I reminded them that I the taxpayer saved them from insolvency and bankruptcy in XXXX  and have no right to treat me this way after 20 years of never being late or any problems from me!! They are a horror bank! BOFA is not consumer friendly I also was very sick for 3 years and had XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX other XXXXXXXX XXXX..They don't Care! I told them of this ... Thank you! Bofa Card # XXXX XXXX XXXX ... .Spirit
Product: Credit card

I told citibank I was unemployed and having trouble paying my credit card bill. So they 've been harassing me with phone calls before XXXX asking me repeatedly why ca n't I make my payment. I tell them the same thing every time. I 'm unemployed, do n't qualify for unemployment and have no funds.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus 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. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Account, Creditor : XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$1200.00}, XXXX XXXXXXXX Account number XXXX Date opened XX/XX/XXXX Balance {$2000.00}, XXXX XXXXXXXX Account number XXXX Date opened XX/XX/XXXX Balance {$2600.00}, XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$30000.00}, XXXX XXXXXXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Balance {$1200.00}, XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$3000.00}, XXXX XXXX XXXX XXXX Account number XXXX  Date opened XX/XX/XXXX Balance {$6800.00}, XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$25000.00}, XXXX  Account XXXX XXXX Date opened XX/XX/XXXX Balance {$3700.00}, XXXX XXXXXXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$2200.00}, XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$4800.00}, 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: Debt collection

On XX/XX/XXXX I received a collection letter from Prince Parker that sated they were trying to collect on an older XXXX XXXX XXXX XXXX invoice that I did not feel I owed. However, I tried to deal with XXXX XXXX XXXX and they would not talk to me because I " didn't have my password ''. I had already switched to account to another Mobile provider so I ignored XXXX XXXX XXXX. The letter from Prince Parker stated that I had until XX/XX/XXXX to call/write to dispute the debt, otherwise they would assume their information was correct. I considered contacting them with an offer of settlement, but my main concern was that my credit rating not be affected as I had just built my score up after bankruptcy and foreclosure in XXXX. Since I had until XX/XX/XXXX to pay/dispute the debt this was not # 1 on my priority list. On XX/XX/XXXX at XXXXXXXX XXXX. I received a phone call from a representative to " verify the information ''. 
She stated that they had sent me an email and a collection letter on XX/XX/XXXX. I advised her I had received neither, and my letter was dated XX/XX/XXXX and again, no email whatsoever. I advised the rep that I was probably going to pay in full by the date stated of XX/XX/XXXX since my credit rating was so important to me and I didn't want the credit score providers to include any collection activity. She stated it had already been sent to at LEAST XXXX. On XX/XX/XXXX I received a notice from my credit monitoring service that my score had gone down-XXXX Points on XXXX and XXXX points on XXXX. On XX/XX/XXXX I signed into the Price Parker website and submitted a dispute of their actions and I wanted the credit bureaus to be notified IMMEDITELY that this was a premature action on their part as I would be paying in full on XX/XX/XXXX. After coming home from a job in the early afternoon of XX/XX/XXXX I called into them and spoke with a rep that stated the collection action notification was withdrawn ( it stayed on the site for 3 more days ) and I paid them IN FULL over the phone with a credit card. My credit scores are still down XXXX points from before this organization took premature action and NEVER have sent ANY electronic communication to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received some information from Congress about my disclosures, that I noticed that we did not discuss, nor was it written in my documents at the time of the loan agreement. 

Your company is in clear violation of the law. Under 15 USC 6802- Obligations with respect to disclosures of the personal information. THE LAW CLEARLY STATES : ( b ) OPT OUT ( 1 ) In General- A financial institution may not disclose nonpublic information to a nonaffiliated third party unless- ( a ) Such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic or the other form permitted by the regulations prescribed under section 6804 of the title, that such information may be disclosed to such third party. 
( b ) the consumer is given the opportunity, before the time that such information is initially disclosed to such a third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

Your company is in clear violation of the law Under 15 USC 6802, because they did not give me an option to opt of having my loan to report to the Credit Reporting Agencies. 



Furthermore, the XXXX loan was an approval of a specific extension of line of credit used by my XXXX XXXX XXXXXXXX and XXXX XXXX 
15 USC 1602 Definition of rules and construction States : ( I ) the term Credit Card means ANY CARD plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or Services on Credit. 
( Any Card- Has NO Discrepancies ) Your Company is in clear violation of : FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( b ) Any Authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my accounts within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 
XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$940.00}, XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$970.00}
Product: Debt collection

I am writing to bring to your attention a matter of identity theft that has affected my financial accounts. I have discovered unauthorized accounts opened in my name without my knowledge or consent. I am a victim of identity theft, and I am seeking your assistance in blocking these XXXX  accounts from my credit report, per 15 U.S. Code 1681c2 - Block of information resulting from identity theft. 

Below are the details of the unauthorized accounts : Creditor Name : CREDENCE RESOURCE MANAGE Account Number : XXXX Date of Discovery : XX/XX/XXXX I contacted Credence Resource Manangement on several occassions and asked them to verify the debt, provide proof of purchase from the original creditor and XXXX  associated documentation, I also asked them to stop XXXX  to XXXX  me or XXXX  me for fraud, however, I still get unwanted XXXX  and XXXX  from them regarding this debt. I never had a contract with XXXX XXXX XXXX or any company they are affiliated with and can confirm that I am a victim of identity theft and data breaches. I would like these accounts removed from my XXXX  reports. Disputes have been made with the XXXX 's dating back to XX/XX/XXXX with no update nor provided information/documentation. This is a violation of FCRA.
Product: Debt collection

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the CAVALRY PORT ( Original Creditor : XXXX XXXX ) still reporting on my credit report in violation of Federal Law. The 3 Credit Bureaus are failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please re-investigate most especially the status information on this account. Otherwise, delete this collection account PRONTO.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. This account has not been late on payments Ive attached a copy of my report to this complaint on the following dates. I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. Late payments are being reported after the account was closed. This is a fcra violation and you can be fined up to {$1000.00}. Update immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

In XXXX, I signed up for a Chase/Marriott Credit card . I was promised XXXX nights at the Marriott after spending XXXX dollars. A {$95.00} application charge was billed to this card. In XX/XX/XXXX, I began my {$5000.00} spending journey. I requested additional credit and was denied. ( I have that letter of denial ). My limit was therefore frozen at {$5000.00} the same amount that I had to spend to meet my end of the deal. I spent until my card was embarrassingly denied several times. I called the XXXX on the back of my card to ensure that I would get my reward. Each time the representative assured me that I would be getting my reward and that I had spent {$5000.00}. Additionally, I spent the required amount before the deadline of XXXX, XXXX ( within 3 months ). I have called Chase several times concerning the matter of not receiving my reward. They explain it to me and I counter with valid responses. I finally talk to a supervisor, who again says that I did not reach the spending requirement. I explain that I was denied using my card for additional purchases. Also that I had called several times before XX/XX/XXXX to ensure that I had spent my required amount. Each time I was assured that I had reached the obligatory spending amount and that I would be receiving my reward. The first time that I had inquired about not receiving my reward, I was told that it can take a couple of billing cycles to receive my award. I have waited patiently and have spent a lot of my valuable time talking about this issue. Additionally, I could have spent my money with XXXX XXXX XXXX where I receive a minimum of 1 mile for every dollar spent. Not only do I receive miles for my purchases, but each dollar spent puts me closer to earning the XXXX XXXX Status, which comes with many valuable rewards. I earned that XXXX status by spending a lot of money with XXXX XXXX in XXXX. So, for the entire year of XXXX, I am reaping all kinds of upgrades and even money. Additionally, I am out the {$95.00} investment money that I spent to sign up for the Chase/Marriott card to begin with. It was supposed to be a good deal for me, making the sign-up fee worth the investment in my final reward. I am weary of this process, but I am not giving up. All, I want is what Chase promised me. I kept my end of the deal. Chase should keep theirs. Thank you for hearing my case. I hope that you will contact me with any further information needed to ultimately receive my award from Chase Bank.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is currently inaccurately reporting a credit card account on my credit reports as open and closed at the same time. This account was paid in full and closed with a XXXX balance months ago in XXXX. It was never late and never delinquent.
Product: Debt collection

I signed up at XXXX 's XXXX XXXX in XX/XX/XXXX. I moved from the XXXX area XX/XX/XXXX, and cancelled my service with the gym within their contract by providing them the rent agreement. They still charged me for 3 months, and each month I disputed through my credit card, got my money back, talked to a manager who told me it was " fixed ''. During this, my credit card changed due to the incorporation of a chip, which was mandatory, and the charges naturally stopped appearing due to a changed CC number. Now it is 1.5 years later, and I received a debt collection notice in the mail.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, at approximately XXXX XXXX, I received a call from an individual. He conveyed to me that I held a stock option buyback plan associated with a timeshare I own in XXXX. This revelation was entirely unexpected, as I had no prior knowledge of such a plan. He advised me to contact the corporate finance office for the timeshare., In the ensuing days, I engaged with various individuals and entities, including the finance department . To alleviate my skepticism, provided a grantor letter and advised me of the time sensitivity of the offer, stating that waiting until a later date would entail an additional XXXX fee for account reactivation. 

On XXXX XXXX, I went to Chase Bank to wire the funds as directed to a source I believed was true. I began to wonder if it was a Scame or not at this point. So I sent Chase a request to reverse the transaction on XX/XX/2023. On XX/XX/2023, I received a notice from Chase saying they were going to look into the matter further and reverse the transaction. On XX/XX/2023, I received another letter from Chase denying the reversal.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whomever you may be on the other end of this correspondence, .. 
thank you for your time and help, I never received the XXXX, XXXX XXXX XXXX statement showing a payment due. 

-We have not been 30 days late on a credit card in several years ( 5-10 years+ ) -On XXXX XXXX Target  XXXX XXXX " collections dept . '' contacted me in regards to my payment being 30 days past due, actually 38 days past due by the time they first contacted me. 

-I immediately paid the balance {$110.00} -They then contacted me AGAIN in regards to the same balance amount on XX/XX/18 -I paid the balance again. 
-This resulted in an over payment and a refund from them. 

-I disputed their reporting this 30 day late to the credit bureaus & directly with them. 
They said their records are accurate but clearly they are not and this is proven by their double collection of the same payment. 
-The statement was never received otherwise this small store credit card would have been paid. This is their error and it is greatly effecting my credit score. 

-- It is having a direct impact on our financing options and intrest rate on the purchase of a home and the intrest rate of that 30 year mortgage.
Product: Credit reporting or other personal consumer reports

I have filed multiple reports of my identity being stolen, and on top of everything this, my information was leaked in a data breach that had nothing to do with me. Ive turned in police reports and proof of addresses where I lived but the identity thief had had used a different address.
Product: Consumer Loan

On XXXX XXXX, 2015 evening, I signed a contract for a new car with features misrepresented by the salesperson. The car was returned to the dealer 's possession the next day, within XXXX hours. 
On XXXX XXXX, 2015, I was asked by the floor manager to come on XXXX XXXX, 2015, to get the problem solved when the salesperson will be at work. 
On XXXX XXXX, 2015, when came after XXXX, I was told by the salesperson that the car dealer can not do anything because it was " late, '' and I was asked by the salesperson to come on XXXX XXXX, 2015, specifically before XXXX. 
On XXXX XXXX, 2015, when I came before XXXX as requested, I had to wait for approx. two hours for the salesperson. Finally, three hours after I came, a XXXX contract for another new ( " replacement '' ) car was signed, but BACKDATED by the car dealer to XXXX XXXX, 2015, from to me unknown reasons. The XXXX contract was allegedly cancelled as never happened ( as being told by the car dealer, ) and the down payment paid on the XXXX car was fully transferred to the XXXX car contract. The car dealer did n't provide me with any document/declaration related to the cancellation of the contract for the XXXX car. 
On XXXX XXXX, 2015, I received a " Welcome '' letter, dated XXXX XXXX, 2015, from the finance company congratulating me on the purchase of the XXXX car that was in a car dealer 's possession since XXXX XXXX, 2015. The finance company opened an auto loan account for the XXXX car that I had NO POSSESSION of anymore, and the finance company reported the auto loan for the XXXX car to Credit Bureau Agencies. The finance company approved funding for the XXXX car to the car dealer, including a car dealer 's commission, on XXXX XXXX, 2015. XX/XX/2015, I received a first monthly statement, generated on XXXX XXXX, 2015, for the first car that was not in my possession since XXXX XXXX, 2015. 
The car dealer allegedly assigned the contract for the XXXX car to the finance company on XXXX XXXX, 2015. XX/XX/2015, I received a " Welcome '' letter, dated XXXX XXXX, 2015, from the same finance company congratulating me on the purchase of the XXXX car. The finance company opened an auto loan account for the XXXX car, and the finance company reported the auto loan for the XXXX car to Credit Bureau Agencies. The finance company approved funding for the XXXX car to the car dealer, including another car dealer 's commission, on XXXX XXXX, 2015. 
When I sent a letter to the finance company requesting information about the dates on which applications for auto loans were approved, the dates on which auto loans were reported as opened and closed to Credit Bureau Agencies, and other questions regarding XXXX car contracts and auto loans, the finance company refused to answer my questions stating that as a creditor they have no obligation to answer my questions.