23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

LVNV Funding LLC/Resurgent XXXX XXXX XXXX XXXX, SC XXXX Re : Account Number XXXX Dear Sir/Madam, I hope this letter finds you well. I am writing regarding the account referenced above. I would like to clarify that I am not disputing this account. However, I am requesting some specific details for my records. Please provide the following information : 1. The date of the first delinquency on this account.

2. The date of the last payment made on this account.

3. The date the account was officially charged off.

I kindly request that you provide this information at your earliest convenience. Your assistance in this matter is greatly appreciated. 
If you require any additional information from me to process this request, please do not hesitate to contact me. I can be reached at XXXX or via email at XXXX Thank you for your time and attention. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX, EQUIFAX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX EQUIFAX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX EQUIFAX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX EQUIFAX XX/XX/XXXX XXXX XXXX VIA DEALER EQUIFAX XX/XX/XXXX XXXX XXXX XXXX XXXX EQUIFAX XX/XX/XXXX XXXX XXXX, XXXX EQUIFAX XX/XX/XXXX XXXX XXXX VIA DEALER EQUIFAX XX/XX/XXXX XXXX XXXX XXXX EQUIFAX XX/XX/XXXX XXXX  XXXX VIA DEALER EQUIFAX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX , IA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy a house and I realized I had damages on my credit report and according too FCRA 15 U.S.C. 1681 law there should be no damages to my report this is a defamation of my character.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Transunion is deliberately giving me a low credit rating because I had filed a compliant against them. It is a 60 point difffirent between the other credit bureaus.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$340.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$490.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1000.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$780.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act. 
Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound dissatisfaction with the ongoing presence of a fraudulent account on my credit report. Upon reviewing my credit report, I discovered this account that do not belong to me. Therefore, I request the removal of this account from my credit report.I request that you conduct a investigation into this account and promptly remove it from my credit report. Please inform me if you require any additional information or documentation from me to facilitate this process. 


XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX.
Product: Credit reporting or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files 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 these 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. If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/
Product: Credit reporting or other personal consumer reports

In regards to XXXXXXXXDEPT OF ED XXXX please see my attached documents. The company has changed and updated every single account and all bueros and as you see from my documents attached you are the only agency still showing the XXXX transaction errors. My Affidavit via certifed mail was sent with XXXX response and its been over 180 days. You guys keep saying you updated the account but haven't changed a thing. You have no more time fix the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hyundai has ignored my request for validation. 

Please provide the following proof accordance with the Uniform Commercial Code : The Notice of Reinstatement letter with the return signature receipt that would have given me the ability to buy back the vehicle. This needed to be sent to me within 5 days the car was repossessed with the fees and late payment amount.

The Notice of Sale when you put the vehicle up for auction. The Notice of Deficiency letter/ Post Sale Notice with fee details after 10 days of the vehicle sale date. The original signed contact from the original creditor.
Effect of errors or omissions.

Under the laws of the State of Florida, Uniform Commercial Code Chapter 670 - 680 and State RISA and MVISA statutes a deficiency can not be claimed unless all the required notices were properly and timely given, and all the allowable redemption and cure time limits were adhered to.
Product: Credit card

I paid off my credit but the first transactions didnt go through so I call them to make the payment directly and was told the initial payments would be cancelled. 

They werent and now trying to get my money refunded is like pulling teeth its been 6 weeks now, and I need my money.

Every time I call I get the same well send you a check in 5-15 business days I dont know how long a business day is for Synchrony, but Im tired of waiting
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is not mine but is reflecting on my credit reports. 

They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave XXXX XXXX XXXX any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I am currently in the process of a divorce and I am not able to pay on 2 of my pay day loans. I am wanting to seek help for this because I don't want my wages to get garnished if they can end up doing so. Thanks for the help. The date for my cashnet loan has been in effect for 2 years now and I payed them monthly payment for 8 months and then had to stop do to financial issues and now my divorce. My loan with check into cash I had only had for a year but I can not repay that back right now also due to my divorce. 

XXXX
Product: Credit reporting or other personal consumer reports

Write-In accordance with the fair credit reporting acts the account below has violated my federally protected consumer rights privacy and confidentiality. Under 15 usc1681 XXXX XXXX Account number XXXX Opened- XX/XX/XXXX Upstart Network INC/XXXX Account number XXXX Opened-May XXXX, XXXX XXXX XXXX Account number-XXXX  Opened- XX/XX/XXXX XXXX XXXX Account number- XXXX opened- XX/XX/XXXX 15usc 1581 section 602a states I have the write to privacy. 
15usc 1681 sec 604a section2 it also states a consumer reporting agency can not furnish my account without my written instructions.

15usc 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following Items of information and other adverse items of informations other records of connecting of crimes which indicates the reports of more than 7 years.

15usc 1681 s-2 ( a ) ( 1 ) a person shall not furnish information related to a consumer to any consumer reporting agency of the person knows or have responsible cause to believe that information is inaccurate.
Product: Credit reporting or other personal consumer reports

*THIS IS NOT A DUPLICATE Before I received a letter saying my number was verifiable and that XXXX tried calling my number " XXXX ''. I am aware and have been in contact with LexisNexis and they surely 100 % verified me and so as my phone number ending in XXXX. It is now going on 2 months since " XXXX XXXX '' deposited the Auto Loan check I sent to her and it still has not been released because XXXX claims " We have tried to reach you the phone number ending in XXXX but we have not been able to reach you. We need to speak with you to obtain the information we require to resolve this matter and release the funds '' before and I WAS NOT NEAR MY PHONE which is unfair... they claimed to call my phone and it went strait to voicemail which obviously mean I was not near my phone or it was dead... XXXX  is taking me in a loop around to verify myself even tho I have FULL EVIDENCE from my bank XXXX XXXX ) verifying the check that they shared with I ( XXXX XXXX ) and I only. LexisNexis and other consumer reports have my number verified on they system but XXXX... It is not my problem that XXXX system is not updated It is funny that I received letter on the XXXX saying XXXX claim to call my number .. Now XXXX  XXXX department claims unable to call my number for verification reasons
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments XXXX XXXX and XXXX XXXX XXXX XXXX on accounts for months..Transunion also refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Product: Checking or savings account

Was expecting my direct deposit to be available and had several bills get returned today since my direct deposit was not posted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX : {$680.00} ; XXXX XXXX  ( OriginalCreditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$350.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 XXXX XXXX XX/XX/2022.
Product: Debt collection

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX XXXX | XXXX Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists. 

Please DELETE the following accounts from my consumer report as they are not mine. 

Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection account with The Law Offices of Mitchell D. Bluhm & Associatges, LLC was reinserted on my XXXX account as a newly opened collection account. There are four different discrepancies that I would like to address related to this account. 1. If any information has been deleted from a consumers file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. The initial collection resided with XXXX XXXX and was deleted from my XXXX credit report approximately on XX/XX/XXXX. I did not receive any type of notification that this account would reappear on my account as a new collection. This is a Fair Credit Reporting Act violation. 2. The balance due is incorrect. 3. The date of service is incorrect. 4. This account reflects an open date of XX/XX/XXXX. This is NOT a new account and was originally placed on my credit report on XX/XX/XXXX with an expected date of removal in XX/XX/XXXX. A collection agency, no matter when an account is received can not re-age an account. They have added 2 1/2+ years to the allowable allotted time that this account should be reflected on my credit report. Again, this is a Fair Credit Reporting Act violation and illegal!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Experian are reporting incorrectly a Foreclosure on the XXXX   account number XXXX. ( Please see page attached from my credit report. ) This account was not in a foreclosure and should not be reporting as such. I have attached a copy of the Payoff Statement from XXXX XXXX  dated XX/XX/2019 along with the Settlement Agreement dated XX/XX/2019. I was told by XXXX XXXX that the language reporting on my credit report was in error and that they have requested this language to be removed. The account status needs to report accurately that this account has in fact been paid in full. This incorrect coding and reporting of a Foreclosure is seriously harming my credit score and this line item needs to be removed and/or changed to report a {$0.00} balance and paid in full. I have contacted the ( 2 ) bureaus to change this language however, I have not been successful.
Product: Mortgage

This is my third attempt at resolving an overpayment of city taxes resulting in an overdraft of my escrow account. Truist assured me that they had requested a refund from the city of XXXX on XX/XX/2022. They sent me a letter stating this was confirmed on XX/XX/2022. I called the city of XXXX as the 60-day processing deadline is rapidly approaching, I have not received my refund for the overpayment of taxes last year, in fact, I have been charged again for the year XXXX. They told me today they have no record of a refund request, not only do they have no record of a witten request, there was no case number even associated with my address. They processing time has not even started and I had to apply for the refund today ( Service Request # XXXX ) meaning 60 business days from today I could possibly get my refund. I called Truist today at the request of XXXX city to ask for a copy of the original request/confirm it was sent. They were unable to provide proof a request was sent other than their internal records stating one was sent. 6 months of an overdrawn account is absolutely unacceptable. I have never experianced such mismanagment of anything in my life. Truist should be embarrased. I again request the closure of my escrow account as it is being mismanaged. Truist had previously stated that " Unfortunately, we are unable to remove your escrow due to your loan-to-value is greater than 80 %. '' Truist has a duty to manage my funds correctly, if they prove themselves incapable of doing so, I should not be bound by a loan-to-value. They are neglecting their duty and putting our Mortgage and taxes at risk.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. TheAccount below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


US DEPT. OF EDUCATIONXXXX 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

OUR MORGAGE WAS SOLD TO DITECH AND SINCE WE HAVE HAD NOTHING BUT ISSUES. WE CONTINUALLY HAVE TO CALL THEM ABOUT OUR ESCROW ACCOUNT THAT WE NEVER HAVE SET UP. WE PAY OUR OWN TAXES AND INSURANCE. WE WILL MAKE THE REGULAR PAYMENY  ONE  MONTH AND THE NEXT IT HAS JUMPED TO OVER 300 $ MORE. THEY SAY ITS A INCREASE ON OUR ESCROW. WE HAVE SENT PROOF TO THIS COMPANY TWICE WITH A STATEMANT FROM OUR INSURANCE AGENT. THAT RESULTED IN THEM PAYING OUR INSURANCE. OUR INSURANCE AGENT CONTACTED DITECH ON THE MISTAKE AND SENT PROOF AGAIN OF PERSONAL PAYMENT. OUR INSURANCE COMPANY SENT THE PAYMENT BACK. THE MONTH OF  XXXX  WAS CORRECT BUT THE MONTH OF  XXXX  AND  XXXX  IS NOT. THIS IS AFFECTING OUR CREDIT. WE ARE TRYING TO GET OUT OF THIS LOAN WITH THIS COMPANY AND OUR PAYMENT HISTORY WITH DITECH IS THE REASON WE CAN NOT. I WILL NOT PAY THEM MONEY I DO NOT OWE JUST TO SAVE MY CREDIT. THEY ARE AT FAULT AND IM NOT SO SURE THEY WILL REFUND ME IF I DO OVER  PAY.THIS  PROBLEM HAS BEEN GOING ON SINCE  XXXX    XXXX  . THEY FIX IT AND IT REVERTS BACK AND WE HAVE TO FIGHT THEM TO CHANGE IT.
Product: Money transfer, virtual currency, or money service

I had a credit card with Wells Fargo was trying to make arrangements to pay the card went into my checking account and remove {$4700.00} on their own without disclosing anything to me and then sued me for the other XXXX with interest through a debt collection XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I am gravely concerned about the validity of the information that is being provided to me by XXXX XXXX, XXXX because they have been sued numerous times for unfair/illegal FCRA practices. 

Please see link : https : XXXX XXXX As such, I have contacted them along with XXXX XXXX  and Experian several times to request verification of the alleged debt that has now been listed on my credit report as a " charge-off account ''. However, after speaking with XXXX at extension XXXX, her supervisor XXXX XXXX and another supervisor named XXXX, I have been unsuccessful in my efforts to obtain any documentation ; they only demand payment on the account based on allege " time-sensitive '' offers that are available to settle the account. Their practices have been questioned in the court of law and therefore, I am concerned about their tactics to collect payment on an account they are unwilling to verify or provide any documentation on. If they are unable to verify and validate this debt, I demand for the account to be immediately deleted from credit report Furthermore, The XXXXXXXX XXXX account is fraudulent. The account has been disputed numerous time & I have requested the verification method that was provided to Experian by the data furnisher to validate the account. Each time the accounts comes back as allegedly " verified '' yet I never received the proof as requested. 

Please delete per FCRA consumer rights as this is a direct violation of the law. The credit bureaus MUST provide the consumer with the verification method use to validate the account and failure to do so results in the account being deleted from the consumer files. Experian is in direct violation of consumer credit reporting practices and I will take the necessary legal action if necessary.