23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have previously sent LVNV Funding and affiliates a request to validate this debt, for the following account number ( XXXX ) on XX/XX/XXXX and again on XX/XX/XXXX via certified mail. Under the Fair Debt Collections Practices Act ( FDPCA ), I have the right to request validation of the debt that you say I owe you per the FDPCA. I have given LVNV Funding 30 days to remedy this situation, which is not only a reasonable period but is also the maximum time request limit as indicated by the FDPCA/FRCA. I received an unsubstantiated response from LVNV Funding, which did not properly validate debt, although I did receive signed confirmation via certified mail from the United States Postal Service that my validation letters were received on XX/XX/XXXX and XX/XX/XXXX, however attempts to collect said debt are still being made by LVNV Funding without properly validating debt.

Since LVNV Funding is still reporting this account on my credit profile, LVNV Funding is now in violation of the FDPCA and are subject to fines of {$1000.00}, which I may collect from LVNV Funding by filing a claim in small claims court. I intend to follow through with said suit if I do not hear back from LVNV Funding within 10 days. LVNV Funding should also be aware that reporting such invalidated information to the major credit reporting bureaus may constitute as defamation of character, as the negative remarks on my credit profile prevent me from benefits associated with a good profile. I am sure that legal staff will agree that non-compliance with this request could present LVNV Funding with legal inconvenience with the FTC and other state and federal agencies.
Product: Money transfers

I occasionally sell items on eBay and use PayPal to collect payments. I depend on PayPal who has the relationship with the purchaser to tell me when they have received funds and it is safe for me to send out the item they purchased on eBay. I happened to have sold a 1-year subscription to XXXX XXXX that was paid for through PayPal. PayPal/eBay sent me the notification that I was okay to provide the buyer with what they had purchased. It happened to be an electronic key that I provided to the buyer through Ebays messaging service. PayPal came back to me saying they payment was returned by the purchasers bank and that it is not covered by their Payment Protection. So ultimately PayPal received payment, told me it was safe to deliver the product, payment was returned by the bank, and I am liable for the full amount. So I am out the {$57.00} that I should have earned by selling the product as well as fees I had to pay to eBay which is roughly 10 % of the purchase price. The customer used the product, and I paid for it. It was likely a fraudlant transaction from the beginning but Ebay and PayPal allowed it to happen.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXXXXXX INACCURATE INFORMATION To Whom It May Concern, Going over my credit report, I have found it has many errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a national reporting agency, you are governed by the Fair Credit Reporting Act ( " FCRA '' ), which protects consumers from inaccurate, outdated, or invalidated information reporting of their credit file. The FCRA states that it's the Credit Bureau 's responsibility to ensure that all information contained within consumer credit files is accurate and free from errors. According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681 et seq., including but not limited to : follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. $ 1681e ( b ) ; 2 ) comply with the investigation requirements ; 3 ) should not provide consumer credit file to companies without determining that these companies had a permissible purpose to obtain consumer credit file pursuant to 15 U.S.C. 1681b ; 4 ) provide consumer credit file pursuant to 15 U.S.C. $ 1681g ; 5 ) et seq. 
Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer disclosure report. For your convenience, I am sending you a list of the items you need to verify them. These listed accounts are neither my debts nor my authorized inquiries. Please correct this by the removal of these items from my credit report. See. Exhibit A. Upon completion of your investigation, please send a detailed description of the procedures used to determine the accuracy of the account ( XXXX ) I am disputing, as well as the name and contact information of the agent conducting the said investigation in case further communication is necessary. I know that your company will need some sort of verification to prove my identity. My information is clearly shown below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Accounts need to be removed below XXXX XXXX XXXX  - {$4800.00}
Product: Money transfer, virtual currency, or money service

Had a new tenant pay me {$1400.00} through Zelle to put a security deposit on a lease on XX/XX/2021. Got a notification from XXXX XXXX XXXX  that the transaction had failed. The new tenant stated that her account is with XXXX  XXXX XXXX and that her bank is telling her that they had withdrawn {$1400.00} from her account to pay via Zelle. Zelle does not have a customer service department to call to find out why the payment has been declined. Since the Tenant is trying to fund a contract and it is not funded it will void her lease agreement. Her scheduled move-in date is XX/XX/2021.
Product: Mortgage

In XXXX Ocwen Loan Servicing contacted me to offer a Home Affordable Loan modification under the government program, They represented the loan would extend the term, lower the interest rate and reduce some principle. After receiving the loan modification there was no extension of the term. I was informed that the modified loan would prevent me from refinancing for 1-3 years, but I could apply for additional loan modifications to restore the original offer of extending the term which was the MOST important modification that I needed and asked for. 

I applied 4 times only to be denied each time. This is the first attempt for Ocwen to prevent me from refinancing. 

I was notified in XXXX that the loan was due and payable in full on XX/XX/XXXX and no partial payment would be accepted, so I started conversations with lenders to refinance the loan. Ocwen then contacted me in XXXX of XXXX notifying me that the next payment for XX/XX/XXXX was due. I paid the XXXX payment and it was cashed and posted to my account. 

Ocwen then notified me that the XX/XX/XXXX payment was due and I made that payment on time also. Ocwen then returned the XXXX payment and marked my account past due. Ocwen repeated these steps of notifying me that payments were due for XXXX, XXXX and XXXX of XXXX and then returning ALL on those on time payments that were made. I made all the payments because Ocwen sent statements asking for payments and I did not want to have any late marks on my credit. 

Ocwen proceeded to mark and report my account 60, and 90 days past to all the credit reporting agencies, XXXX, XXXX and XXXX. even though there was no 30 day past due reported. This effectively prevented me from refinancing the loan a Second Time.
Product: Debt collection

I got a past due notice for {$1600.00} from koalafi. I did not have any idea what this was for so I contacted them and was told to contact the police and fie a report which I did and to file a complaint with you.
Product: Credit reporting or other personal consumer reports

to whom this may concern, I was never late on the paid off account listed below Please show me documentation showing proof of transaction showing I was ever late to support your inaccurate reporting on my account. if you can not supply this please delete this alleged late payments from my credit report. the item in question are Ally Financial Ally Financial Ally Financial XXXX XXXX XXXX XXXX After doing so please provide me with an updated credit report reflecting the changes. 
XXXX XXXX
Product: Debt collection

I am presently involved in a medical malpractice litigation against a hospital. My previous LawFirm ( XXXX of XXXX XXXX ) made me see an XXXX doctor that I did not seek as a medical provider for my care. The LawFirm chose the doctor and sent me to him. This was in XXXX AR RESOURCES INC Original creditor : XXXX XXXX XXXX  XXXX XXXX in the amount of {$1400.00}. Well, I since parted ways with the Law office of XXXX XXXX for new representation on my case. XXXX XXXX office sent me to this doctor, I didnt request them, therefore I am not responsible for this bill. XXXX XXXX is!! This has dropped my XXXX credit score approximately 87pts.. Going from XXXX to XXXX. Please get this unjust report off my credit reports. XXXX.
Product: Debt collection

I have screenshots with the apartment, XXXX XXXX XXXX discussing the LAST payment being made on the account of {$310.00} and paying them as I was moving out. This collections account should never have existed, and has since been paid in full. 
For some reason they came to me only with this payment and not my two other roommates which I had found really weird but paid it anyways to be done with. 
After a couple of weeks, I got a call from Aldous & Associates that I owed at FIRST claiming {$310.00}. I had responded to them explaining that I paid that amount in full to XXXX XXXX and they threatened me saying that if I didnt pay it, it would effect my credit score and they would come at me and hung up on me mid conversation. 
After that phone call, I tried to call them again later on to try and get someone else on the phone and had the same reaction with the person hanging up on me. 
They sent me two emails in the same day XXXX  saying I owed them a FIRST amount of {$1600.00} and then a second email saying I owed {$310.00} and that if I dont pay it, itll effect my credit score. 
At that time I had tried to call XXXX XXXX to ask what was happening as we had settled the account, their response was along the lines of, Sorry your account has passed over to Aldous so we can no longer look into it. 
Ive been trying to dispute it through my credit bureau but havent heard back. 
I just would like this off my credit score as I have paid it in full and have the email conversations between XXXX XXXX proving that I paid the amount.
Product: Payday loan, title loan, personal loan, or advance loan

World Acceptance Corporation Account XXXX Balance {$0.00} This is reporting that the account is paid an closed an I want it removed off my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Heres the police report case number # : XXXX from XXXX County Sheriffs Office. The following accounts and hard inquiries are fraudulent and unauthorized : XXXX XXXX XXXX, XXXX XXXX XXXX Unsecured Loan, XXXX XXXX XXXX Credit Card, XXXX XXXX XXXX, XXXX   XXXX. The accounts are not mine and dont belong to me. The Collection account XXXX XXXX is fraudulent. I been receiving harassing and threatening phone calls of death threats, threats of arrest and being put in prison, profane language from XXXX Representatives for a debt thats fraudulent and dont belong to me. XXXX XXXX XXXX is in violation of The Fair Debt Collection Practices Act ( FDCPA ). Equifax, XXXX and XXXX XXXX previously deleted the XXXX XXXX XXXX account from my credit report as fraudulent a few months ago.
Product: Debt collection

I do not have a contract with Franklin Collection Service. I am not liable for this collection due to not having a signed contract with Franklin Collection Service. I am not responsible for this debt. Please remove from XXXX, XXXX and XXXX  credit reports.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX 1. ) I was a victim of identity theft. Experian was notified of the identity theft. Experian did a full investigation and received all pertinent documents verifying the identity theft, then deleted this account due to identity theft. Experian then re-listed this account at some point after it was deleted due to identity theft.

2. ) This account does not belong to me due to identity theft, however this notwithstanding this account deserves to be deleted as it claims a past due amount on an account that was charged off. Records must be absolutely accurate, you can not have a past due balance on a charged off account. 

3. ) Lastly, Experian failed to note that the account was in dispute 31 days after the initial dispute was filed
Product: Credit reporting, credit repair services, or other personal consumer reports

The following information has appeared on my check systems report. I don't recognize these accounts and I need the following information validated that are listed below. If you can not VALIDATE these accounts & inquires on the report I demand that they be removed ( cease & desist all reporting accounts ) within 15 business days. 

XXXX XXXX XXXX Acct # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Report Act XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Dept of EducationXXXX has violated my rights Please remove ALL inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602A states I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. I should have ONE name, ONE date of birth, and ONE address
Product: Credit reporting or other personal consumer reports

I reached out to XXXXXXXX XXXX  on multiple occasions around the time both hurricanes hit my XXXX XXXX XXXX XXXX XXXX I was assured that I was protected under the disaster recovery program and that a modification would be allowed in XXXX. I spoke to a representative in XXXX to ensure everything was set and there wouldn't be any issues with starting a repayment plan in XXXX. I was ASSURRED that i would have no issue. I never heard back from XXXX and decided to call them again in XXXX to just see what the status was and if there was any paperwork I would receive. Again, I was informed not to worry and they were working on. Never heard anything so i called again in XXXX. During this time I went through the entire application process again with the individual on the phone. She informed me that I did not have to worry about making a payment until XXXX. Just a week later I received my credit report and was informed that my payment was reported as 60 plus days past due. I was told none of this would be held against me yet it was. I reached out to customer service via email attached and have never heard anything back. As you can see from the evidence attached the modification finally went through but my credit report remains the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have continually contacted Experian to correct the information showing on my credit report but to no avail, Experian has not made these corrections and for that, it is causing me to be denied for credit because of the errors this company has caused. 
I recently obtained a copy of my consumers credit report from your bureau and hereby dispute the completeness and accuracy of the following information. This information is injurious to my consumer report and I request that you correct this information immediately. 
ADDRESSES : XXXX XXXX XXXX XXXX XXXX, GA XXXX. This is not a residential address and needs to be removed from my Experian credit report. 
XXXX XXXX XXXX # XXXX  XXXX, TN XXXX. There is a misspelling in this address and needs to be corrected are removed from my Experian credit report. Also, Experian does not have my correct address reporting on my credit report XXXX XXXX XXXX XXXX, TN XXXX and it needs to be added to my credit report. 
This reporting is harmful to my credit file and needs to be corrected for the current status of my credit report. 
Employment : Please add my employment as such, XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1635 and 15 USC 1692g. 
This account was paid XX/XX/year> and should be deleted as it violates my rights to privacy.
Product: Credit reporting or other personal consumer reports

On multiple occasions, I have expressed to TransUnion that the alleged accounts they're reporting is in violation of my federally protected rights. TransUnion is directly ignoring my expressions. TransUnion has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and I, a great deal of injury.
Product: Credit card

I paid off my credit card and had a balance of {$42.00} that I had to request 3 times to be sent. Ive waited over 20 days after Macys stated that they sent the check and was told that I would have to wait an additional 30 days to receive my money while they conduct research to locate the check. Once they located it, they would resend it again using the same delivery process with no added measures to ensure my money reached me.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my report even after your investigation. I would like these accounts immediately re-investigated. the inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above accounts, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Debt collection

I pulled my credit report and discovered that this company AR Resources Inc is reporting an alleged debt on my consumer report that I am requesting be VALIDATED, pursuant to the FDCPA validation of debt section, 15 USC 1692g.

I am also specifically requesting the ENTIRE PURCHASE AGREEMENT, not just the Bill of Sale associated with this alleged obligation, as it is my right to request this information because the burden of proof is on you to prove to me that I owe this alleged obligation.

If AR Resources can not produce proper documentation that suffices the reasonable procedures stated in the FCRA then this account MUST BE DELETED!
Product: Credit reporting or other personal consumer reports

In accordance with fair Credit Reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 I told Experian, XXXX, and XXXX to investigate these accounts : XXXX XXXX XXXX acct 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 XXXXXXXX Bankruptcy XXXX However , they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that are not reporting correctly. 

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 they person knows or has reasonable cause to believe that the information in inaccurate
Product: Credit card

Filed a complaint and charge back with Bank of America about a XXXX  charge on a XXXX branded Credit card through Bank of America. Instead of requesting or providing and information they simply closed the dispute. Then tried to bully me by saying that the vendor can come after me other ways. 

Based on the lack of products and services I did not receive as outlined in the product list we are disputing {$3400.00}.
Product: Credit reporting

i was never on this account or responsible for such-please remove from my file CRA refusesAccount nameXXXX XXXX XXXX MI XXXX*XXXX*XXXXAddress identification numberXXXXAccount numberXXXX .... 
Recent balanceNot reportedStatusTransferred, closed. 

Date openedXX/XX/XXXX/2007 Details Not mine or No knowledge of account Additional information not mine i am was never on this account
Product: Debt collection

Received phone call from XXXX on XX/XX/2020 at XXXX XXXX. Caller didn't identify himself with any debt collector and said I owe {$510.00} and how would I like to pay. I said I didn't owe anyone and I disconnected the call. 

Received second phone call from XXXX on XX/XX/2020 at XXXX XXXX. Caller again didn't identify himself with any debt collector and again asked how I would like to pay {$510.00}. I said if I owed a debt they must send me notification via mail. Caller argued and said I still needed to pay today to take care of this. I disconnected call after caller began to raise voice. 

On XX/XX/2020 I received a letter dated XX/XX/2020 from " Valor Intelligent Processing '' concerning an owed collection from XXXX  XXXX in the amount of {$510.00}. I contacted XXXX XXXX directly and confirmed I have no accounts in collection and the account number on the letter was not a valid account number.
Product: Credit reporting or other personal consumer reports

They violated my rights as a consumer under 15 USC 1618B and I need these accounts blocked and deleted off my credit report as soon as possible. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I have a public record listed on my file that Experian is reporting such as a bankruptcy which is inaccurate and incomplete. The federal laws requires that the credit agencies provides mechanisms to ensure that each item in my credit file belongs to me and is accurate and complete. I have requested from Experian numerous times for validation which is competent evidence bearing my signature, name, address and telephone of each person they have contacted to validate this Bankruptcy and they have failed me only to return stating that is has been verified without any proof. I have letters from The Federal Bankruptcy Courts saying that they Do Not report to the consumer reporting agencies but yet they continue to say they have verified it through the courts and I know they do n't because the information is inaccurate and incomplete.
Product: Credit reporting or other personal consumer reports

For almost a year I have been trying to get Experian to put the accurate name on my credit report and remove the inaccurate name now they spelled my middle name wrong it is XXXX not XXXX and the accurate name is XXXX XXXX XXXX XXXX
Product: Debt collection

ERC has not provided the verification documents that I have requested several times. This account is reporting inaccurately to my credit report.