23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Resurgent LVNV This is considered a RE : Investigation and not a duplicate complaint for the same issues. I have included updated information ; and also advised of failures that are still affecting current consumer report. Please delete account Resurgent LVNV Account # XXXX for violations of FCRA Section 611 for RE : Insertion of Account with no notice within 5 days of Re : Insertion ; and also Section 623 Resurgent LVNV is violating specific laws continuously 15 USC 1681 ( E ) ( B ) Also per Regulation F 1006.34 never received form B-1, notice of disclosures, prior to inital reporting of account. After multiple RE : Investigations never received request for Account Level Documentation Forward Flow Sale or ownership documents with tracking numbers ; certified return receipts with delivery confirmation signed by me. They have never followed proper procedures, and guidelines of governing bodies. 

Accuracy of Report According to reference statues and laws 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 are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws 15 USC 1681 ( i ) ; 15 USC 1681S ( 2 ) ; 15 USC 1681 ( i ) 5 ; 15 USC 1681 ( E ) ( B ) I have included copies of credit reports to show that the accounts have been reinserted. This is a last ditch effort. I have filed multiple complaints with the XXXX, CFPB, and, XXXX, XXXX XXXX and Resurgent LVNV Please reference all credit reports and files attached to complaint as exhibits and evidence of Resurgent LVNV failures to follow FCRA, FDCPA guidelines, regulations, and laws. And timely following procedures, protocols and execution of responsibilities. 
This account first appeared on report dated XX/XX/XXXX with only XXXX as reported account. 
On XX/XX/XXXX report separate Resurgent LVNV account was Re : Inserted to report and XXXX was Re : Inserted Date Opened : Do not match XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Date Last Reported : Do not match XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Date Last Active : Do not match XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Payment History : Do not match XX/XX/XXXX XXXX Reporting account Charge Off XX/XX/XXXX XXXX XXXX account OK XX/XX/XXXX XXXX no report Payment Status : Do not match XXXX Charged Off ; XXXX Charged Off XXXX Late 120 days Past Due : Past due balance on a charged off account XXXX no data XXXX XXXX XXXX XXXX Account deleted from credit report dated XX/XX/XXXX for XXXX, and XXXX no deletion for XXXX account
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 account is hurting my ability to obtain credit. Its my understanding that the credit bureaus will investigate this account for me to ensure one hundred percent accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX, XXXX.
Product: Credit reporting

In XX/XX/XXXX I wanted to get my credit score so I went to http : //www.experian.com/ to see how to get it. After going through the website I saw an advertisement that said I can get my credit report for 1 . I payed a XXXX and got my credit score and was happy withe the service. 

Today I looked at my credit card and saw a bill for XXXX $ from Experian. When I called them about the charge they said that when I purchased the credit report I needed to cancel within 7 days or I would have an automatic membership renewal. I wasnt aware of the membership renewal so I went back to the advertisement and looked at the small print away from the actual add and saw the information about the membership. I took a screen shot of the add for your review. 

I called Experian today and was told I would n't receive a refund. I believe that Experian 's add is dishonest and in violation of the CFPB regualtions. I would like my XXXX $ back from them with interest.
Product: Checking or savings account

In 2019 I had my Wells Fargo account they charged me over XXXX or more in fees it hurt me so bad that they close my account I wasnt able to recoup from that
Product: Debt collection

I understand the importance of accurate reporting, and I appreciate that credit reporting agencies play a crucial role in maintaining the integrity of credit information. However, it is equally important to consider the context of financial challenges that may arise, especially when these challenges are temporary and do not reflect a refusal to fulfill financial obligations. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. I insist that your bureau updates the reporting of the late payment dates to accurately reflect the current status of the account. The reporting should indicate that the account is up-to-date since it has been paid. This correction is vital to ensure the fair and accurate representation of my credit history. While there were lapses in payments due to unforeseen financial circumstances, it is imperative to note that these late payments were eventually rectified and brought up to date. Despite the temporary setbacks, the account has since been paid, and I expect your bureau to accurately reflect this on my credit report. 
UPGRADE INC XXXX PLEASE UPDATE!! I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I trust that you will conduct a thorough investigation into this matter and promptly make the necessary corrections to my credit report in compliance with the Fair Credit Reporting Act ( FCRA ). It is my right as a consumer to have accurate and up-to-date information on my credit report, and I expect your bureau to uphold these standards.
Product: Credit card or prepaid card

I opened a credit card with TD Bank when I purchased furniture in XX/XX/2018 with the store and paid off the balance. Because the store charged separately for each delivery, a late payment occurred in XX/XX/2018. I called the TD Bank and asked for pay off and waive charged fees. TD Bank 's representative through phone instructed me paying off ( I was given the number I need to pay off ) and confirmed that all fees are waived and the balance is XXXX. 

Because I believe my balance is XXXX I did not go back to check my account for 6 months. 

Recently, I received voice mail from TD bank asking me to call the bank service. I checked my balance and realized TD bank do not waive certain fee called-charges which caused accumulated interest for 6 months- {$250.00} till today. All the online account setting is by default, I were not offered the opportunity to understand waiving of all fees do not cover certain charges ( hiding charges ). As a customer, I am confused and feel unfairly treated by the way TD bank manage and charge credit card account.
Product: Money transfer, virtual currency, or money service

My friend sent money to my Venmo account which was supposed to be sent to my husband, my account is frozen but I have listed and filed them in my chapter XXXXXXXX XXXXXXXX  and they will not release the funds back to my friend as she didnt mean to send it to me. It is {$300.00} that is sitting in a frozen account. I have explained it needs to be returned back to the sender as it was not supposed to come to me and they have no answers to provide besides we are escalating it and its been several weeks of calling and emailing I need that money to be released and account closed. This is urgent.
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/2023, I fell victim to XXXX multi-layered scam operations run by XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my CoinFlip account to fraudulent investment firm ( s ).
Product: Vehicle loan or lease

I had an auto loan with Ally Financial from XX/XX/XXXX through XX/XX/XXXX which is now paid and closed. Back in XX/XX/XXXX I made arrangements to skip my XXXX payment and have it put to the end of my loan. I also made my XX/XX/XXXX payment With a customer service rep via phone on XX/XX/XXXX due to my wife being in the hospital. The Rep assured me that because i made the payment before XX/XX/XXXX although the payment would not post until XX/XX/XXXX. Because XX/XX/XXXX was a Sunday That Ally Financial would not report my account as being paid 30 days late. 5 years go by and I recently checked my credit reports ( XXXX, XXXX, And XXXX  ) and see that Ally Financial actually did report the account as being paid 30 days late for XXXX & 60 days for XX/XX/XXXX. Which is incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion several times regarding duplicate inquires on my credit report. Let me first start off by saying that I completely understand that inquires are a part of factual data and I am not disputing the fact that these inquiries were put on my credit report due to fraud or identity theft. However, I contacted each of the following companies XXXX XXXX, XXXX XXXX, XXXX  Card and XXXX Bank asking if they would remove the inquiries from my credit report and they agreed. I then sent these letters to Transunion showing that the original creditor has agreed to remove the following inquiries from my credit file and I asked for Transunion to open a dispute to remove them. All 3 times I disputed these inquires Transunion responded that inquiries are a part of factual data They did remove the inquiries from my credit report nor did they open an investigation to dispute with the original creditor regarding the inquiries. This is why I am filing a complaint against Transunion. Transunion has failed to conduct a reasonable investigation regarding the matter which is in violations of the FCRA. I am requesting that Transunion remove the following inquiries from my credit report ; XXXX XXXX XX/XX/2018, XXXX XXXX  XX/XX/2018 and XX/XX/2018, XXXX Card XX/XX/2018 and XXXX XXXX XXXX   XX/XX/2018.
Product: Credit card or prepaid card

In XXXX I was approved for a Amazon store card, without my permission Amazon changed my payment method from my debit card to the Amazon store card. On XXXX XXXX the Amazon store card charged my Prime membership to the store card for 2 months XXXX and XXXX so when XXXX came I was notified I was late making a payment on the Amazon store card, I contacted Amazon about the situation and after a lengthy discussion they refunded me {$27.00} but I was still penalized a late fee of {$15.00} which they are expecting me to pay by XX/XX/XXXX which I do not feel I should be responsible for the late fee due to that Amazon made the change without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian numerous times, bringing awareness to the incorrect information that they are reporting on my credit report. Each time they mention that they " updated '' the information, though XXXX XXXX is continuously reporting inaccurately and negatively.
Product: Credit reporting or other personal consumer reports

These Accounts have violated my rights According to FCRA. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX THIS LETTER IS REGARDING THE ACCOUNTS LISTED ABOVE, WHICH YOU CLAIM IS A COLLECTION THAT I HAVE WITH YOUR COMPANY. THIS IS A FORMAL NOTICE THAT YOUR CLAIMS ARE DISPUTED.

I AM REQUESTING VALIDATION, MADE PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT. PLEASE NOTE THAT I AM REQUESTING " VALIDATION ", THAT IS COMPETENT EVIDENCE BEARING MY SIGNATURE, SHOWING THAT I HAVE ( OR EVER HAD ) SOME CONTRACTUAL OBLIGATIONS TO PAY YOU. 
PLEASE ALSO BE AWARE THAT ANY NEGATIVE MARK FOUND ON MY CREDIT REPORTS ( INCLUDING XXXX, XXXX, AND TRANSUNION ) FROM YOUR COMPANY OR ANY COMPANY THAT YOU REPRESENT, FOR A DEBT THAT I DONT OWE, IS A VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT FDCPA 807 [ 15 USC 1962e ] ; THEREFORE, IF YOU CAN NOT VALIDATE THE DEBT, YOU MUST REQUEST THAT ALL CREDIT REPORTING AGENCIES DELETE THE ENTRY.

PENDING THE OUTCOME OF MY INVESTIGATION OF EVIDENCE THAT YOU SUBMIT, YOU ARE INSTRUCTED TO TAKE NO ACTIONS THAT COULD BE DETRIMENTAL TO ANY OF MY CREDIT REPORTS. FAILURE TO RESPOND WITHIN 30 DAYS OF RECEIPT OF THIS WILL RESULT IN SMALL CLAIMS LEGAL ACTIONS AGAINST YOUR COMPANY AT MY LOCAL VENUE. I WILL BE SEEKING UP TO {$5000.00} IN DAMAGES FOR : 1 ) DEFAMATION 2 ) NEGLIGENT ENABLEMENT OF IDENTITY FRAUD 3 ) VIOLATION OF THE FAIR CREDIT REPORTING ACT AND FAIR DEBT COLLECTION PRACTICES ACT.

YOU WILL BE REQUIRED TO APPEAR IN A COURT VENUE LOCAL TO ME, SINCE YOU ARE CLEARLY DOING BUSINESS IN MY AREA.

FOR THE PURPOSES OF Q5 USC 1692 et seq, THIS NOTICE HAS THE SAME EFFECT AS A DISPUTE TO THE VALIDTY OF THE ALLEGED DEBT AND A DISPUTE TO THE VALIDITY OF YOUR CLAIMS. 
Please Note : THIS notice is ab attempt to correct your records, and any information received from you will be collected as evidence should any furthermore ACTIONS be necessary. This is a request for information only and is not a statement, election, or waiver OF status.
Product: Credit reporting, credit repair services, or other personal consumer reports

I SENT A CERTIFIED LETTER TO XXXX XXXX XXXX XXXX WELL AS THE 3 MAJOR CREDIT REPORTING COMPANIES ( TRANSUNION XXXX XXXX  XXXX XXXX ) ON XX/XX/2020 ASKING THEM TO PROVIDE ME WITH A COPY OF A SIGNED CONTRACT WITH MY SIGNATURE TO VALIDATE THE DEBT. THEY DID NOT AND IT'S BEEN OVER 30 DAY 'S AND I'M DEMANDING THIS ITEM BE DELETED!
Product: Credit reporting or other personal consumer reports

Twice I have disputed an account with XXXX that is showing on my credit report with a $ XXXX past due balance. I have not opened this account nor have I ordered from this site. They will not remove this from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX / XXXX / 2011  I paid off  XXXX   XXXX   XXXX  Bank {$7700.00} for a truck loan and received the title. Upon checking my credit report I discovered  XXXX   XXXX   XXXX  Bank had a remaining balance on my account for the amount of {$560.00} and was coded as a charge off. Please see attached supporting documents that dispute this report as well as a copy of the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I NOTICED INACCURATE INFORMATION ON MY CREDIT FILE AND I SENT IN SEVERAL DISPUTES, I NEVER RECEIVED A RESPONSE FROM ALL THREE CREDIT REPORTING AGENCIES REGARDING THE INVESTIGATIONS.
Product: Debt collection

RE : XXXX  I have made numerous attempts to remove this debt credit report. I've submitted a police report, contacted the company, and contacted the credit bureau and the debt is still showing up on my account and I want it removed Please expedite the removal of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB COMPLAINT Recently I was checking my credit and I found these accounts that don't belong to me. My personal information was a part of the XXXX Data Breach in XXXX and I assume that is when my identity was stolen. These accounts are the result of identity theft. None of these fraudulent accounts are related to any of my legit transactions. I don't know who the perpetrator is and I need these fraud accounts removed as soon as possible. 

These are the fraudulent accounts : XXXX that opened last XX/XX/XXXX, XXXX XXXX that opened last XX/XX/XXXX, CAPITAL ONE opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX OF XXXX opened last XX/XX/XXXX, DEPT OF EDUCATIONXXXX  opened last XX/XX/XXXX, DEPT OF EDUCATION/XXXX  opened last XX/XX/XXXX, DEPT OF EDUCATION/XXXX opened last XX/XX/XXXX, DEPT OF EDUCATION/XXXX opened last XX/XX/XXXX, DEPT OF EDUCATION/XXXX  opened last XX/XX/XXXX, DEPT OF EDUCATION/XXXX opened last XX/XX/XXXX, and DEPT OF EDUCATION/XXXX  opened last XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed the following accounts reporting incorrectly for the following reasons : XXXX  XXXX XXXX account # XXXX reporting I was 30 days late XX/XX/XXXX, this was during the COVID-19 shutdowns and is not accurate. I paid this account timely for over 7 years. Please remove the 30 day late that was furnished to the credit bureaus in error. 
XXXX  XXXX XXXX account # XXXX Inaccurately reporting I was late 30 days in XX/XX/XXXX. Please update this negative information furnished to XXXX, XXXX XXXX TransUnion correctly. 
XXXX  XXXX XXXX Mortgage account # XXXX XXXX I was 120 days late XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This is not accurate. The account was paid those months. 
Therefore, pursuant to the FCRA and FDCPA, I am requesting an investigation, as the accounts listed above are not being reported accurately. Additionally, I am requesting proof that you did investigate and the investigation was reasonable according to the standards set forth by the FTC. Please, 3. Provide me with proof of the method used to investigate all claims. 
4. Provide me with a complete and updated credit report.

Additionally, I am asking the above creditors to behave appropriately during this investigation period, if any action is taken which could be considered detrimental to my credit, furnishing false information to other creditors with respect to this account during the investigation period, that would be in violation of the FCRA, FDCPA and FBCA. This includes any information to a creditor that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.
Product: Mortgage

We are awaiting response to claim # XXXX this information is readily available in your files why the delay? 

Please provide the person, persons, and/or department for a direct contact and agent/representative for XXXX XXXX XXXX XXXX XXXX the alleged creditor of the subject " note '' being " the Equity Line Agreement and Disclosure Statement ".
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$520.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Vehicle loan or lease

On XXXXXX/XX/XXXX I disputed the debts listed on the End of Lease Liability Statement through priority mail for Account XXXX XXXX XXXX for the following reasons : The Itemized Wear and Use section on page 2 of the End of Lease Liability Statement had several problems. One, it does not indicate tire problems that are listed as chargeable use in the list Nissan Motor Acceptance Corporation lists. I am including a copy of the list here but it clearly states that the tread on the tires must be less than of an inch. The depth of the tread is not reported on the bill. Moreover, the list states that the scratch on the wheel cap must be longer than six inches. There is no report of how long these alleged scratches are in the itemization. 

Two, the portion about a cracked rear lamp is false. When my daughter returned the car, someone named XXXX XXXX inspected it with her and walked around the car. There was no mention of a cracked rear lamp in the report from the turning in of the car. If this was not a pre-return inspection then that was not made clear to me. 

If there are broken lights, scratches or worn tread, I dont know if such wear was sustained after we surrendered the car on XX/XX/XXXX. None of the time and location-stamped pictures we took of the car on the lot when it was returned on XX/XX/XXXX show any cracks. 

The total of these false charges is {$670.00}. That entire amount is disputed. 

Third, the disposition fee of {$390.00} and the disposition fee tax of {$25.00} are also disputed as I tried to renegotiate the lease and was rebuffed several times and was told I would have to pay {$470.00} per month to lease the car. My offer to continue leasing at the same price was rejected by the XXXX XXXX XXXX in XXXX XXXX, Connecticut. If Nissan is not willing to work with me then I cant renew. 

I enclosed money order number XXXX for {$640.00} for the property taxes. In accepting this {$640.00}, my letter made clear that by accepting the money, NMAC agreed to waive the rest of the bill because the debts are not valid. 

I told NMAC that if they didnt accept this offer, to please send the money order back and we would resolve this through the courts. Copies of the payment and the letter are being attached to this complaint. 

I received notice that NMAC accepted the offer and the final payment of {$640.00} for the entire debt. Collection efforts should cease and I should have a {$0.00} balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020, XXXX reported me as deceased to credit bureaus. I disputed with XXXX and credit bureaus. Equifax is refusing to remove account status as close due to consumer deceased. I have submitted 3 disputes. Dispute dates XX/XX/2020 resulted in Equifax stating the deceased comments would be removed. Then Equifax sent a letter stating the deceased information was verified and updated. I am not deceased and the account never closed. XXXX said all information has been corrected yet current report for XXXX and Equifax shows this account as closed due to consumer deceased. XXXX has updated and corrected data. Creditors and bureaus are violating my rights under FCRA. No agency is reporting me deceased. The account is active and Ive received a credit limit increase. Ive checked with SSA. I have spent money submitted documentation to these bureaus and creditor.