23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On or about XX/XX/2023 I pulled my credit and found out that I had a collection account withLVNV. I did not know anything about this. I had never received a notice from LVNV. So on XXXX XXXX I sent ina letter to Resurgent who was collecting for LVNV. I wanted validation of this credit card debt. See letter enclosed. I waited and waited and nothing So on XX/XX/2023 I sent in another letter stating that I am guessing they could not validate this debt. So I asked them to remove it from my credit report. I still did not hear from them I was only asking for information I had the right to ask for and they are obligated to give me. But nothing. I thought at the time they were breaking the law. Then sbout XXXX, 2023 I was served a summons that they were suing me. I thiught this was not right. First of all no contact from them and they had sn old address that I had not lived on for 12 years. That is probably why I never received anything from them. I immediately sent a letter to the court explaining the whole situation how they just refused to give me the information I was entitled to and they were obligated to give me. I am guessing since they had no proof they decided maybe suing me might help their case. Since we have laws in place why does LVNV/Resurgent have the right to not supply me with the information. So they pull a fast one on me. I dont believe what they have done is right and maybe illegal. I should have had the right to have been notified about this debt that I was not aware of and if it was mine. But to just come up and sue me out of no where is just not right. Its like I am guilty without defending my self. Very on sided and a unprofessional act. I no should have been given notice, a letter before all of this Now I have to go to court and wsste the courts time over this. I had asked the court to dismiss this case but have not heard back. So LVNV cant show proof so they just sue you. Just not right. They need to follow the rules just like anybody else or should I say obey the law that is there for the consumers protection which they are obligate to furnish. They are not above the law Thank you for your time and cooperation in this matter Regards XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting incorrectly a charge-off for the XXXX partial account number XXXX. This account was included in the bankruptcy and should be reporting a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. This account either needs to be taken out of charge-off status and report a {$0.00} balance and {$0.00} past due, or be removed completely from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous communications regarding the late opening of my account. This letter marks the several attempts to address and resolve this issue, and I am deeply disappointed that it has yet to be rectified. 

I understand that resolving such issues may require time and effort, but the continued delay is unacceptable. I urge you to prioritize this matter and take immediate action to expedite the opening of my account. 

Furthermore, I request regular updates on the progress made towards resolving this issue and a clear timeline for when I can expect the matter to be fully addressed. 

I appreciate your attention to this matter and anticipate a swift and satisfactory resolution. With this, I am asking for your assisstance to correct this late open accout in my credit file : XXXX XXXX XXXX : {$16000.00}.
Product: Checking or savings account

Please refer to my prior Complaint ID # XXXX. 

To date, I received {$47.00} but Citibank still has not issued me the check for {$610.00} which they said they would do in response to my complaint ( please see their reply ). Their letter was dated XX/XX/2020 and I was supposed to allow 7-10 business days which has passed. I called on XX/XX/2020 and spoke with the supervisor who said she would inquire with the office which was supposed to issue the check and then she would give me follow-up call today regarding this matter but I have yet to hear from them. I requested on XX/XX/2020 that I should be paid interest on the funds I am still owed from Citibank since my CD matured on XX/XX/2020 and I still have not been paid the total money which I am owed, for a mistake that they made.
Product: Vehicle loan or lease

I have paid over $ XXXX to kia XXXX in down payment etc including the payment.. 
the payoff is XXXX I have totaled the car now they want XXXX XXXXXXXX and told me that all the money down for extra miles etc that i pre paid is not counting and the XXXX that i paid mean nothing..
Product: Debt collection

I keep receiving harassing phone calls from Portfolio Recovery Associates every day from Monday trough Saturday since the month of XX/XX/2020. They are bothering me with a debt I don't owe to nobody. I don't know them. I just verified my credit report and I don't have a bad debt reported on my credit history either. It sounds suspicious to me and it is taking away my peace of mind. These are their phone numbers that I'm receiving phone calls from : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

I have submitted proper information to experian along with address proof and driver license and also reported to cfpb and still they have failed to update my info properly and their response did not resolve anything
Product: Credit reporting, credit repair services, or other personal consumer reports

The company has not removed the fraudulent, unverified accounts from my credit report ; instead they " Certified '' the accounts are current and in good standing which is not the case. The company deleted only 1 of the disputed, unverified and fraudulent accounts despite the fact that I have provided a FTC Affidavit and a police report precisely naming all the accounts that are fraudulent on my credit file.. 

Also, how could the accounts come back as " verified '' and " certified '' with Experian when XXXX and XXXX were unable to validate or verify the same identical accounts, confirmed them as being fraudulent and followed the protocol for Identity theft victims and promptly deleted them all from my credit file? I find that highly suspicious so I am providing a copy of my credit file from both bureaus as proof along with the FTC report and Police Statement that clearly indicates which accounts are fraudulent. 

If the items are not removed, I fully intended to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite three written requests, the remaining unverified and FRAUDULENT items listed below remain on my credit report in violation of Federal Law. I am a victim of identity theft and I have provided you with a : 1. Identity Theft Affidavit 2. Identity Theft Police Report. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand any and all of the following accounts be removed from my credit report
Product: Vehicle loan or lease

Below is the letter sent to US Auto Finance on XXXX XXXX. I have also sent a debt Validation at the later part of XXXX but no response. 
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX SC XXXX U.S Auto Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Subject : Dispute of Inaccurate Account Information To Whom It May Concern, I hope this letter finds you well. I am writing to address an inaccuracy that I recently identified on my credit report. After a thorough review of my credit reports, I have noticed that you are reporting an incorrect balance for the following account : US Auto Finance- [ Account Number : XXXX ] The balances being reported by your company to XXXX XXXX XXXX and XXXX XXXX this means the account has not been properly verified. Please delete this account immediately. 
It has come to my attention that there is a discrepancy between the balance being reported by your company. This error raises concerns about the accuracy and verification of the account details, especially after disputing the account for several months. 
In light of this situation, I kindly request that you take immediate action to investigate and rectify this discrepancy. As per the guidelines outlined in the Fair Credit Reporting Act, it is imperative that accurate and verified information is reflected on credit reports. If the balance reported by your company is indeed inaccurate and unverified, I request that you promptly delete this account from my credit report. 
Thank you for your cooperation and prompt attention to this dispute. I look forward to a swift resolution. 
XXXX XXXX I have called the number listed on my credit report but the number is not a working number. I am requesting that this information be deleted from my credit report. I am not receiving any response from the company. I am a consumer and my rights are being violated. This company has filed bankruptcy but is reporting inaccurate information. This is not fair and is hurting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion was notified on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX of these inquiries. Transunion was submitted the dispute and the police report, i also called them on 4 occasions to notify them. They have refused to remove these fraudulent inquiries. 
XXXX XXXX XXXX ( Finance ) XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off m {$8800.00}
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Dispute Regarding XXXX XXXXXXXX XXXX Timeshare / XXXX  Charge To Whom It May Concern, I, XXXX XXXX, am submitting this statement regarding my dispute with XXXX XXXX XXXX that works with XXXX  Pay Line of Credit ( Account # XXXX ), due to deceptive and fraudulent sales practices. 
As XXXX  citizens facing financial and medical hardships, we were misled during the timeshare purchase process. We were promised a Seniors BuyBack Program Guarantee and falsely assured that we would receive a check covering maintenance fees. These promises were not honored, and attempts to contact XXXX sales personnel and member services for resolution have been ignored. 
We were subjected to misrepresentation, deceptive trade practices, and elder financial abuse in violation of Floridas Elder Abuse Law. We were not informed of our right to rescind until after the period had expired, leaving us trapped in a contract we can not afford. 
We are demanding that XXXX XXXX XXXX cancel our timeshare contract and refund all monies paid, as we were misled into this purchase under false pretenses. We request that TransUnion acknowledge this dispute in our credit file as we seek resolution.
Product: Credit reporting or other personal consumer reports

Experian credit bureau took away all my credit scores and credit reports.

I contacted to them and they keep transferring to me one department to another and not resolving my concerns.
Product: Credit card

I have a Chase credit card. My son was an authorized user. On XXXX XXXX I phoned Chase and told the agent I do not want my son to be able to use the card any more. She removed him from the account and told me he would no longer be able to use the card. I asked the agent if he had a different card number than my card, and she said no, that his card and mine were both the same card number. She assured me that he would no longer be able to use the card, even tho we had the same card number. A few days later, he made a {$380.00} charge on the card. I called Chase, and they told me although he was no longer an authorized card holder, his card was still working and that I would have to pay or he could be charged with fraud. I explained it was not fraud, because I had not been able to call him to let him know he was no longer and authorized used, because he had no phone. I protested that it was a Chase agent error, the supervisor said they would review the phone call from XXXX XXXX.. On that day, they changed the card number so that my son can no longer use the card he had. This is what the first agent should have done, they said. 
On XXXX XXXX Chase called me - they had reviewed the phone call from XXXX XXXX, and admitted that I was wrongly told my son would not be able to use his card after he had been removed as an authorized user, and that I should have been told that the card number should have been changed. They would use this opportunity to coach and reprimand the agent, but I was still responsible for the charge. 

I do not feel I should have to pay the {$380.00} charge. The Chase agent made a mistake. The agent should have told me to cancel the card, but she did not and as a result, my son was able to keep using it.They say I have to pay. They want to call it a fraud, but it is not a fraud - my son did not know he had been removed as an authorized user. He had no phone at the time, and he lives in XXXX, while I am in XXXX XXXX, so I had no way of contacting him to let him know he had been removed as an authorized user. 

After many phone calls, they gave me an address and a fax number for their executive office. I will write a letter to them. Please advise what is my legal right in this matter. Who is liable for this {$380.00} charge??? 
Thanks
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX  XXXX, GA XXXX Account number : XXXX Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is charging me $ XXXX for some service that I never knowingly agreed to.
Product: Mortgage

Due to loss of income from the Covid 19 pandemic, last year I took advantage of the Cares Act and contacted my mortgage company, Freedom Mortgage, about going on a forbearance plan. I spoke with XXXX, ID no. XXXX who explained the three repayment options, one of which was flex modification which would change the terms of my loan. She said it would reduce my interest rate to the current rate.

After a trial period of first making no payments, then reduced payments, I was, therefore, shocked to receive loan documents that quoted an interest rate of 4.25 % which is significantly higher than the current rate.

More of Freedom 's trickery came in the form of the new loan papers stating my monthly payment would be {$640.00}. That seemed like a good deal until I found out it didnt include my insurance and taxes.

Further, nowhere in the loan documents did Freedom state what the total amount repaid will be after 40 years. Ive been a homeowner for over 20 years and have had quite a few mortgages and refinances. Loan documents ALWAYS state the total amount that will be repaid by the end of the loan. Freedoms loan docs to me does not do that. That is very bad faith and trickery. 

I sent them a certified letter on XXXX XXXX, XXXX stating all this and requesting my interest rate be reduced to the current rate. On XX/XX/XXXX the rate was 2.338 %. Today it is even less. 

I have received no response.
Product: Credit card

I had multiple health bills last year and got behind on my Bank of America Credit card. So, I set up monthly payments on the due date. When the first payment did not go through, I assumed it had something to do with my banking institution and not the credit card company. I called back in XX/XX/2024 to set up payments to get back on track and make sure my banking information was correct for monthly payments. I was able to use the monthly payment once and XXXX of XXXX I was able to manually pay the past due amount of the card and was current. I made sure to ask the representative that took the payment in XXXX if I would remain on the monthly payment plan. I was assured that on the due date each month, they would deduct {$180.00} from my banking account. 
Today, XX/XX/XXXX, I received a message my account was a month passed due and when I went online to view my account my XXXX payment failed. I called my banking institution, and they informed me twice that there were no transactions made from Bank of America since XX/XX/2024. So, I proceeded to call Bank of America and after talking to XXXX different departments and getting no explanation to why my payment failed, they hung up on me. I called back and spoke to collections and all they said was it failed, and they did not know why. I spoke to the Collection supervisor that waived the past due amount and we changed the banking information and set up the payment plan to deduct XXXX 's amount on this Thursday XX/XX/XXXX and then set up monthly payments for a third time to deduct {$180.00} on the XXXX of every month. He again informed me that in their computer system the only information they have is the payment failed. There is nothing to help me with the reasons behind the fail. 
I need to let you know that my account is closed at Bank of America but after speaking with other coworkers, I'm not the first to have issues with Bank of America. Right now, I don't have a good credit score to move my balance to another card and I'm a little afraid that my payments are not going to my credit card balance. I need to know what to do next with my balance and where to go with Bank of America
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report last month with my attorney as we are working on refinancing my home, when he advised that care credit reported late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I immediately called care credit, the rep advised there was an error with XX/XX/XXXX, and the late payment was then updated as " closed ''. He was not able to assist me with XXXX XXXX XX/XX/XXXX. I made numerous calls to care credit, waiting on hold for more than XXXX hours at XXXX point to attempt resolution, as I have proof that payments were made timely and in accordance with our agreement. Care credit has now updated my report saying XXXX XXXX XX/XX/XXXX, which is completely incorrect, I made all payments on time and at this point I feel they are not interested in reporting correctly and are rather just making any type of changes