23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

LVNV Funding purchased an elevated charged off debt from my a credit card company that I acquired while living in Maryland in XXXX. I closed the account due to losing my job and sent the minimum payments. The original creditor sent a charge off and closed notice in XXXX for {$450.00} which was interest and principal of {$120.00}. 

In XXXX, LVNV funding has constantly harassed me by hunting me down in my new residence state of Virginia. The company filed a court case in the county of XXXX, VA attempting to obtain a judgement against me while constantly blemishing my credit files. The judge in that court case did not grant the company a judgement and he honored my dispute since I referred to the Fair Debt Collections Practices Acts 609, 611 and 613. The judge in the case advised LVNV Funding that according to the rules of the FDCPA that I, the consumer, has the right to dispute and contest. The judge advised LVNV Funding to adhere to the rules of the FDCPA and proceed accordingly. To date the company has not complied. 

My credit is receiving constant credit score impacts preventing me from moving forward in my career and my personal life. I am requesting LVNV FUNDING to be removed from all major and minor credit reporting agencies due to illegal practices of collecting bad/unverified debts.
Product: Credit reporting or other personal consumer reports

I'm writing to dispute the fraudulent accounts on my XXXX credit report, which I believe violate several provisions of the FAIR CREDIT REPORTING ACT ( FCRA ). These accounts were reported as charge offs : XXXX XXXX {$4700.00} no response XXXX XXXX XXXX $ XXXX response XXXX XXXX XXXX XXXXXXXX no responsXXXX XXXX XXXX XXXX XXXXXXXX response, XXXXXXXX XXXX XXXX XXXXXXXX, no response and XXXX XXXXXXXX XXXX XXXX XXXX XXXX  {$650.00} XXXXXXXX XXXX  XXXX no response Furthermore as for Law 605B, these fraudulent accounts should be eliminated from my credit report. I request that these items be removed in 30 days of this letter as mandated by FCRA.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed inaccuracies in certain pieces of information. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), the three credit bureaus are obligated to authenticate these accounts. They are not permitted to designate unverified information without furnishing evidence within the legally stipulated timeframe. The following accounts, which require investigation and rectification due to erroneous reporting in my file, are outlined in my credit report : XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$4800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have found fraudulent accounts that was opened on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

i contacted Advanced Solutions Services Inc 3 times attempting to get them to provide me a copy of my consumer report contained in there files. When I reached them on the phone the agent advised me that a report and instructions on how to dispute information that was wrong on it. I never recieved any information and I continued to complain with no resolution forthcoming. I am a victim of identy theft on two occassions. I have a right to a copy and to dispute any information I feel is incorrect and/or used maliciously to deny me to entitlement to an accurate consumer report.
Product: Consumer Loan

As you probably know, XXXX is not a good choice when it comes to getting a loan or settling issues with these guys. Recently my car was repossessed due to inaccurate information given as well as deceitful tactics to get payments out of me. recently I just came back from XXXX and my finances were were not in order. So im basically playing catch up. I spoke to rep. in XXXX regarding my payments as I was 4 months behind. I told the rep I could pay 2 months which totaled out to be XXXX. She then said I qualified for a deferment program since a years worth of payments on time and my account would be current.. needless to say I never saw those deferment documents after calling and asking about it nobody seem to know anything. So with that being said My car was charged off and repossessed because of non payment. I wen tot an organization that was willing to pay the amount owed to get my car out of repossession status. The rep I spoke with was fully aware of what we discussed I repeated the terms over and over and she agreed and told if I paid that amount my car would be released to me. So the company called to get the car she had no recollection of what I was talking about so that 's twice in a matter of months either their incompetent or full of scams. Ive read one too many stories about this company.
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN was never late! I have had exceptional payment history all payments were placed on XXXX. 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 to be updated.

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.

EXPERIAN 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! 


Update the late payments from my consumer reports
Product: Bank account or service

I 'm getting emails from my bank informing me of insufficient funds in an account I did not open and that is not listed on my account list on the bank 's website.
Product: Mortgage

SLS is attempting to extort me of additional fees ( Escrow/Impound Advance Balance, ) if I choose to payoff the loan ( see attached payoff statement ) .that was sold by XXXX to SLS unbeknownst to me until Monday XXXX XXXX, 2015. Attached is the purposely bogus erroneous welcome letter that I NEVER received from SLS due to their ineptness and incorrect mailing address on it. In making the purchase they should have gotten my mailing address correct and properly address me as a NEW client!!! with all this unknowingly to me taking place, they have pretended to claim that I was paying taxes, and insurance through a impound account with XXXX which I was NOT. attached are the last XXXX monthly payments that I paid to XXXX on the mortgage that SLS bought, and NOT XXXX of them included ANY impound account for taxes, and insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed XXXX XXXX XXXX  card for 2 yrs with XXXX, XXXX  and Equifax because I never had this card or requested a card from this company. Not only am I being forced to have this card on my credit report when its not mine and CHARGED OFF 25 TIMES, but also being FORCED to deal with the account furnishing inaccurate credit information. This account is charged off and closed. Charge off accounts are not to have PAST DUE balances, yet this account has a {$580.00} past due balance, 25 charge offs and last updated XXXX XXXX but really last updated Today from my current dispute notice. My next step is federal court to FRCA violation for inaccurately furnishing information, disregarding these disputes and knowingly continuing to report inaccurate information. The payment history is also incorrect. I NEVER had this credit card, especially starting in XXXX as the pay history indicates. This account is from XXXX. I now believe that this company is PURPOSELY continuing to report inaccurately to hurt me.
Product: Credit reporting or other personal consumer reports

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 Experian Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, The CRAs have a grave responsibility to ensure the accuracy and fairness of my consumer report. Despite multiple dispute attempts the CRA 's continue to incorrectly report inaccurate and misleading information to my consumer report, specifically the listed charged-off account ; XXXX XXXX XXXX XXXX XXXX XXXX. The account was CLOSED XX/XX/XXXX and is actively reporting " last activity '' of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

This information is in direct violation of the Fair Credit Reporting Act ( FCRA ) and is adversely affecting my credit profile. The continued reporting of this account as charged off with a remaining balance is not only inaccurate but also misleading. The Internal Revenue Service ( IRS ) clearly defines a charged-off account as XXXX with no remaining balance, in addition too, becoming TAXABLE INCOME to the consumer. To which I have never received any XXXX. The CRA 's action in reporting this account with a balance constitutes a violation of the FCRA by providing false, misleading, and unverifiable information. 

Furthermore, the inclusion of these accounts on my credit report without my explicit consent is a clear violation of my privacy rights. The FCRA mandates that consumer reporting agencies, such as ( XXXX, Experian, XXXX ) have a duty to protect consumer information and ensure its accuracy. The CRAs actions in this matter represent a blatant disregard for these regulations. By reporting inaccurate and misleading information about me, the CRA 's have caused significant harm to my credit standing, limiting my access to credit and financial opportunities. This is a direct result of their ( XXXX, Experian, XXXX ) negligence and failure to adhere to the FCRA. I demand the immediate deletion of the aforementioned charged-off account from my credit report. 

Additionally, I reserve the right to pursue all available legal remedies, including but not limited to monetary damages, for the harm caused by the CRAs violations of the FCRA. I have attached a copy of my credit report for your reference. I expect a timely response to this dispute, including written confirmation of the accounts deletion from my credit report. Thank you for your prompt attention to this matter. 

Best Regards, XXXX XXXX XXXX XXXX ALL RIGHTS RESERVED
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681i ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

I received dispute results from Transunion, however Transunion has not sent proof of investigation ; who Transunion spoke to from companies, phone number of person who verified information on consumer report. By law after dispute results are sent to consumer and consumer ask for proof of investigation Transunion has 15 days to provide proof of verification or delete accounts from credit profile. It is pass the 15 day period to provide proof and I am demanding deletion of all the accounts. Company addresses and XXXX numbers are not proof of verification as this is public information.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

I've filed a dispute with this agent document but this agent only resent the incorrect statement, didn't provide the documents as requested. They suppose to stop collection if I filed a dispute, not suppose to report to my credit report and I demand it to be removed immediately.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I've provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 

XXXX XX/XX/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
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my Account. This accoutn is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am Asking you to verify as Accurate. 

Here 's the account Information XXXX XXXX XXXX Account Name : XXXX XXXX Acct XXXX XXXX
Product: Debt collection

I have requested debt validation of two accounts being collected by XXXX XXXX XXXX XXXX After sending a certified letter requesting this debt collector to validate the debt, they did not respond with sufficient documentation or information to satisfy my request, as is my right under the Fair Credit Reporting Act ( FCRA ) and the California Rosenthal Fair Debt Collection Practices Act. 

Instead, I received a generic " Cardmember Agreement '' without my name, signature, or any other identifying information. XXXX XXXX XXXX XXXX later sent me two aged account statements that are significantly lower than the balances being reported to the credit reporting agencies. I do not know who XXXX XXXX XXXX XXXX is, and I do not recall entering a binding loan agreement with this entity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX {$240.00} XX/XX/XXXX {$57000.00} XXXX {$140.00} XX/XX/XXXX {$12000.00} XXXX {$99.00} XX/XX/XXXX {$7700.00} XXXX {$75.00} XX/XX/XXXX {$6100.00} XXXX {$140.00} XX/XX/XXXX {$12000.00} XXXX {$140.00} XX/XX/XXXX {$11000.00}
Product: Credit card

I have already provided you with documents and reasons for my complaint. You just contacted the CC company, sent them my complaint and they provided the same answer that I was told when I contacted them. You acted as a MAIL Carrier and not investigated anything about the reason why I complained to you. 
My email address at the time was XXXX but that email account is closed. I just provided the email address so you could find my previous complaint. 
Now I need to know whom should I contact about the unfair practice of this credit card company? I thought you would be the one but got disappointed. 
Please advise as soon as possible! Thank you! 
XXXX
Product: Credit card or prepaid card

I XXXX XXXX XXXX On XX/XX/2020. I Closed my Capital One credit card account after Captial One refused to process my credit card monthly payment of {$300.00} that was set up with my XXXX XXXX   checking account causing over {$100.00} in overdraft due to not properly processing my ACH payments to capital one. I requested that the capital one accept my final payment by money order or through XXXX to ensure that my payment is processed. And I had already closed down my capital one account due to their company 's lack of payment processing. On XX/XX/2020, I again contacted Capital One Customer service by phone explaining that I will make the payment if capital one send me a final statement that I could put a money order with and send what I owe to capital one and I would never have to deal with them and they will not have to deal with me never again. instead of helping me to find a solution to this problem Capital One instead is unwilling to help me to make the payment owed by other means other than ACH processing which I will not give them my bank information again. Since I have closed down my Captial one account, Capital one has been falsely reporting misleading information to all three major credit bureaus accusing me of not making or trying to make the final payment of {$300.00} payment weekly since I closed my capital one account on XXXX XX/XX/2020. Please help i just want to make payment and have my credit report corrected and all misleading remarks removed from my credit report that was falsely wrongfully added to all three of my credit report by Capital One. 

Thank you XXXX XXXX XXXX XXXX, Ky
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the eviction listed on my credit report, which I believe is inaccurate or incomplete. I request that you investigate this item in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and remove this entry. 

Details of the Disputed Item : Account Name : XXXX ( XXXX XXXX ) Account Number : Account # : XXXX Reported by : XXXX XXXX XXXX XXXX ) As per the FCRA XXXX specifically 15 U.S.C. 1681i, I am entitled to dispute any item on my credit report that I believe to be inaccurate or incomplete. This includes items such as eviction records. If the eviction is inaccurate or unverifiable, it must be removed or corrected within 30 days of your receipt of this dispute. 

I respectfully request that you provide the following information to validate the eviction entry : A copy of the eviction judgment or legal documentation that was filed with the court. 
Proof of the eviction notice or any official communication that supports the eviction action. 
Verification that the eviction was properly reported in accordance with the laws of the jurisdiction where the eviction took place.

Under 15 U.S.C. 1681e ( b ), you are required to ensure that the information you report is accurate. If the eviction can not be properly verified or substantiated, I request that you remove it from my credit report, as it may be inaccurate, outdated, or otherwise unverifiable. 

Please confirm the receipt of this dispute and provide me with written notice of the results of your investigation. If the entry is not removed or corrected, I request an explanation of why it remains on my report and an opportunity to provide further evidence or clarification. 

Thank you for your attention to this matter. I look forward to your prompt response, in compliance with the time limits set forth by the FCRA.
Product: Credit reporting

I am writing to dispute the following information. An error was submitted by XXXX XXXX on my credit report. XXXX XXXX reported the sale of property as a Foreclosure which is was definitely not. It was a Agreed Settlement ( account paid in full for less than full balance ) to prevent/avoid foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : 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  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

Creditor has constantly sold/reopened medical debt collection multiple times. Every month it is reopened. Creditor is calling multiple times a day from different numbers associated with different states. The calls begin at XXXX am and end around XXXX pm. They are relentless. I have never even received an original bill from whoever the original debt even came from!
Product: Bank account or service

I had a levy from a debt collector and law firm that is based out of XXXX, placed on my Bank of America Accounts. The levy placed was illegal due to I no longer reside in the state of XXXX, but do reside in XXXX and it is not within the statue of limitations. The levy was released, and only half my money was returned. BOA refuses to give me back a {$120.00} fee charged to my account when this action in the first place was not lawful