23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX of Dunlap Gardiner LLP violated my consumer right to privacy by contacting me via the US Mail Postal service without my consent in an illegitimate attempt to collect an alleged debt, whereas a debt collector can not state that a consumer owes any debt. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; XXXX 's client, the alleged original creditor did not have authorization to communicate with any third-party debt collector in reference to the attempt to collect this alleged debt, nor did they have authority to furnish my personal information to XXXX. XXXX 's letter contained false and misleading information alleging that it verified the alleged debt. Whereas XXXX 's client failed to provide debt validation pursuant to the FDCPA as requested on XXXX  and again on XX/XX/XXXX. The attempt to collect this alleged debt pursuant to the FDCPA should have ceased until the disputed amount was validated in which XXXX 's client continued to violate me by their continued efforts to collect an unvalidated debt. I've yet to receive any feedback from XXXX in regard to my response mailed to his office on XXXX  The failure to produce the requested documentation is also a violation of my right as a consumer as it prevents me from exercising my right as a consumer to assess and validate this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reached out to the company for over a year to correct inaccuracies. I also provided proof and it was over looked I had to call in month after month to have them resubmit it still to be ignored although I provided the poof. They had no information from the company that proved it was right. Also they did not followed FCRA laws as far as late payments are concerned. Also this is for XXXX and Equifax. Equifax also sent an invalid credit score to lender. I have a copy of what the company was sent. And also a copy of what Equifax gave me on a paid membership daily. Which was totally different and affected my approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX XXXX not mine
Product: Vehicle loan or lease

Dear Sir/Madam, I am writing to dispute the repossession and sale of my XXXX XXXX XXXX XXXX XXXX  I never received any notice that the vehicle was going to be sold, which is a violation of my rights as a borrower. 

According to the Uniform Commercial Code, a creditor must provide a borrower with notice of the sale of a repossessed vehicle. The notice must include the date, time, and place of the sale, as well as a description of the vehicle and the amount of the sale proceeds. However, I did not receive any notice of the sale of my vehicle.

Because I did not receive notice of the sale, I was unable to attend the sale or bid on the vehicle. As a result, I was not able to protect my interests in the vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset that you guys would break the law like this. 


XXXX XXXX XXXX reporting inaccurate on Equifax and XXXX  inaccurate dates amounts payment status on my credit file please remove account the item was sold by the creditor and it was written as 100 % payment history current so why is it still reporting A collection or repo on my file. 

XXXXXXXX XXXX XXXX reporting inaccurate on all 3 bureaus please remove
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My home loan was recently taken over by Nationstar Mortgage LLC. They sent me a letter saying I had insufficient flood insurance and needed to raise my insurance or they would add gap insurance to my policy. Even though my principal balance owed is less than {$27000.00} they are requiring me to match the replacement value of {$150000.00} set by my homeowners policy. When I called and explained that I read the policy set forth XXXX that XXXX of these apply Under the FDPA, the mandatory flood insurance purchase amount is the lesser of : The outstanding principal balance of the loan ( XXXX XXXX, or The maximum amount of insurance available under the XXXX XXXX XXXX XXXX ( XXXX ), which is the lesser of The maximum limit available for the type of structure ( {$250000.00} for a residential structure, ), or The insurable value of the structure ( typically the replacement cost value of your home ). 

According to this the lesser of these would be that I have at least {$27000.00} of flood insurance coverage, ( I currently have a policy of {$30000.00} coverage ). They said according to XXXX they can charge what they want. By adding this additional coverage my payment will go up over {$100.00} a month! 
If I do n't get my own coverage they will force me to get their insurance and raise my mortgage payment.
Product: Debt collection

DEAR MADAM/SIR, CFPB : Savit Collection Agency, send me a letter dated : XX/XX/XXXX. and it was received on:XX/XX/XXXX. The collection Agency above is asking me to pay them, {$100.00} do to XXXX  visits in the past year, XXXX. This payment and or payments where already PAID IN FULL bye XXXX, my insurance company part B. PAID ALL THE PAYMENTS TO THE XXXX. And I do not owe anything to the Collection Agency.. Respectfully yours ; XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inaccurate accounts on my report and I haven't gotten a response from the credit bureau.
Product: Debt collection

On XX/XX/19 I obtained a copy of my credit report from the three bureaus, listed on the report was a charged off auto loan listed by XXXX XXXX XXXX. I asked them to validate the debt because I know the account had been paid by the co-signer and removed from the co-signers account. I did not receive validation of the debt from XXXX XXXX XXXX. I went on to their website on XX/XX/2019 to find that they have transferred all of their accounts to a new company, XXXX XXXX XXXX XXXX ( XXXX ). I contacted XXXX and was advised by both a representative and manager that they have no record of the account and was given an email address to contact XXXX XXXX because they no longer have a telephone number. The email address I was given was faulty and not accurate. I have no way of contacting the creditor, XXXX XXXX XXXX, who has listed the account on my report, leaving me with no possible way to remove the item from my 3 credit reports. I have sent certified letters, emails, numerous phone calls with no response. I contacted the bureaus and was advised to do exactly what I have already done for the last 40 days.
Product: Debt collection

XXXX File Number Advised the company via transunion 3 times that this is not my account. Never did business with this entity. 
LVNV FUNDING LLC XXXX, SC XXXX
Product: Debt collection

Received documents regarding a lawsuit filed through XXXX XXXX XXXX for unpaid debt to Check 'n Go Online. Was left on doorstep, not physically handed to me. Verified lawsuit and docket via XXXX XXXXXXXX website. 
XX/XX/2024 received call from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX stating that if not paid wages would be garnished. I was bullied into signing a pdf via XXXX ( attached ) to begin repayment with monthly charges of XXXX XX/XX/2024 received text message threatening wage garnishment for declined charge to first payment. Called ( XXXX ) XXXX and spoke with XXXX XXXX again to correct issue and restart payment starting XX/XX/2024 via XXXX XXXX XXXX. Morning of XX/XX/2024 attempt to call same number and the three contact numbers I saw on website at XXXX that morning on Law Firm website : XXXX XXXX None of the numbers were connected to any business, also first number redirects to automated system for claiming cash rewards. At XXXX same morning I check XXXX  contact page and the phone number had changed to a new single number rather than the original three : XXXX The number rings then disconnects. 
Worried, I contacted my bank and cancelled the debit card and have been constantly trying to reach out to XXXX XXXX but email ( XXXX ) and phone number give no response. XXXX is still pending but I fear I may have been scammed and no my financial information has been compromised. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Check 'N Go ( Original Debtor )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX ( Nelnet ), has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instruction.

15 USC 166B : A creditor may not treat a payment on a student loan account under an open end credit plan as late for any purpose. 


Note : This account was fully discharged due to my 100 % XXXX VA rating in XXXX and XXXX XXXX XXXX
Product: Credit card or prepaid card

Made a payment of {$300.00} on XX/XX/19. Notice on my account said payment pending. The notice disappeared from my account. Payment was never applied or taken out of my bank account. Emailed customer service, no reply. Called customer service, was also locked out of my account and could not log in, escalated to two supervisors, the last of which refused to assist me. Said an " escalation team '' would call me tomorrow. Told her I worked during the day but gave her my cell number. This has been an ongoing issue with Wells Fargo since at least last Thursday, and they should have been more receptive and immediate with solving my issue. I am still locked out of my account.
Product: Checking or savings account

Greetings I had an account with XXXX XXXX bank I used to have a checking account and savings account I had problems with the atm cards and something else with a direct deposit of social security retirement benefits sent to the bank branchs My home address had changes in XXXX XXXX years since XXXX to XXXX calender dates My checking account and savings acounts in XXXX XXXX XXXX at this bank branch was XXXX XXXX Bank I had a XXXX  account Checking account Savings account XXXX  account XXXX  card account My past home address of problems were XXXX and XXXX XXXX and XXXX XXXX with this bank I use to like seeing people working inside a bank branch I would deposit my personal employment paychecks and my social security checks treasury checks to my personal checking and savings account each week and month for the years I had personal accounts joint accounts and inheritence accounts I did not own a safe deposit box I think my grandmother had documents in her personal account I really do not know I did not file affadavidts towards real estate property mortgage loans or credit cards I did not recieve a new atm card in the lost mail during the conflicts of love If there is money still in my account can the old XXXX XXXX  of XXXX XXXX bank refund credit or reimburse me XXXX XX/XX/XXXX my new social security number is the same as my old number my birthday is the same my home address is not here is my new address XXXX XXXX XXXX XXXX apt XXXX XXXX XXXX md XXXX my lovely beautifull XXXX  name is XXXX XXXX XXXX XXXX old accounts might be listed as XXXX XXXX XXXX XXXX XXXX XXXX thats my real legal name I had accounts with XXXX His name is is XXXX XXXX XXXX XXXX We both are reporting this we lost are atm card I lost my atm card I lost my checking account book I lost my savings account card all this was lost after XXXX and XXXX All accounts were closed at XXXX XXXXXXXX XXXX somewhere I did not have access to my personal money when a stranger filed a lawsuit against my financial account Please look at XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX  and XXXX XXXX XXXX  I thought I had written a personal check those years I thought after paying rental fees and utilities I mailed a check to XXXX before the banks went out of buisness There were only a couple of banks there XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  all those banks have disappeared from the areas of foundations of past I could not deposit any paper checks anymore when that bank went out of buisness I am filing a complaint I lost all my personal savings with that bank I just wrote a note about including credit cards I did not recieve a new card or bank statement written by XXXX XXXX XXXX dated XX/XX/XXXX I guess this is a late letter I lost property in a house and an apartment in my past I guess thats a real loss for me
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX, XXXX, and Transunion XXXX via USPS certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The account was already charged off as well so the creditor does not even have the right to report information about this account since they charged off the account to a collections company. 

The account was also deleted from my XXXX credit reports after I disputed the account which showed up on my XXXX credit report several months ago as well, so in order to correct the inconsistencies between the XXXX, XXXX, and Transunion credit reports, the account needs to be deleted from the XXXX and Transunion credit reports tied to my name and social security number. 

The information for this account listed on my credit report is : CREDITOR : XXXX XXXX, ACCOUNT XXXX, OPENED XX/XX/2019, BALANCE OF {$0.00} CREDITOR : XXXX, ACCOUNT XXXX, OPENED XX/XX/2019, BALANCE OF {$0.00}
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of an inaccurate XXXX  XXXX bankruptcy record from my credit report under the Fair Credit Reporting Act ( FCRA ). The details of the record in question are as follows : Reference Number : XXXX Date Filed/Reported : XX/XX/2022 This bankruptcy entry has caused significant financial and emotional hardship, severely impacting my ability to provide for myself and my family. I believe the record has either been inaccurately reported or has remained on my credit report longer than permitted under the FCRA.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to you today in response to the recent investigation conducted by the Credit Reporting Agencies. I do not agree with their findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting this information on my report and because of this I am now asking the Credit Bureaus for more information regarding these particular accounts in question. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Lakeview Loan Servicing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is the servicer of my loan. They are impossible to reach. I've tried online numerous times and system won't let me log in. I've called ( & today find their system is down ), gone through their telephone prompting but am never given the opportunity to speak to a real person. They showed they took XXXX  out of my escrow account to pay my insurance weeks ago. But my insurance was due on XX/XX/23. I've contacted my insurance company to see if they received the payment and they have not. Today Lakeview 's automated system tells me they issued a payment to my insurance company on XX/XX/23 ( 2 days after the due date ). This means my insurance company started cancellation proceedings. Last year Lakeview tried to pay the wrong insurance company ( one which I never had an insurance policy ). It took a long while to get this corrected. Today I paid my policy so it wouldn't be cancelled. I want Lakeview to transfer my loan servicing to a reputable loan servicer or allow me to drop the reserve account ( at no cost to me ). I was in the mortgage business for 35 years and have dealt with numerous loan servicers both professionally and personally. Lakeview is the absolute WORST!!!
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XX/XX/XXXX in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy and also 15 USC 1681 section 6 0 4 a section 2 a consumer reporting agency can not furnish an account account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Upon researching my credit report I have late payments not only reported but false. Included with these late reports are a decline in balance with many future payments scheduled with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received all my documents from the company XXXX XXXX XXXX dated XX/XX/XXXX as paid in full. I have the title and payment contract. It was reported XX/XX/XXXX that I owe on the vehicle and that is not true. If I owed anything, I wouldn't have the title to the car. It may be a flaw because on the credit report they are now under a different name or company. I need this removed from all 3 credit bureaus as soon as posssible.