23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This debt servicer has been violating my privacy and alleging a debt is owed. 

But I have no agreements with them or the debt collector, or the alleged original creditor. 

I do not recognize this debt. They are violating my privacy, and using harassment sending multiple emails and letters to me after I requested they stop all communication. 

I am requesting complete debt validation along with a written request for information under Truth in Lending Act. 

They have 30 days to respond from today. Delivery in this Consumer Finance Complaint portal confirms their receipt of this request from the federally and state protected consumer. 

The attached screenshots show what information and documents were requested to validate the creation of this alleged debt, its sale, and assignment, and any agreements to support that. 

I believe LVNV Funding is misrepresenting themselves as another company to attempt to collect their own debt and make it seem like a third party is collecting because the email on their licensing page says resurgent.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the method of verification ( MOV ) for specific items on my credit report, as authorized by 15 U.S.C. 1681i ( 7 ) under the Fair Credit Reporting Act ( FCRA ). In my prior ( 8 ) disputes, I challenged the accuracy of the following accounts on my credit report : 1. The DLA reported on my credit file is incorrect and this inaccuracy is detrimental to my credit score. By misreporting the DLA you are effectively re-aging the account which is a violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681. 
XXXX XXXX XXXX Account Number : XXXX I demand the immediate deletion of this account from my credit file due to re-aging of the account, which is prohibited under FCRA. 

2. Company did not provide specific documentation that establishes the accuracy and legitimacy of the account in question XXXX XXXX Account Number : XXXX Remove this account due to misleading and false reporting. This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 

XXXX. Company did not provide specific documentation that establishes the accuracy and legitimacy of the account in question XXXX XXXX XXXX Account Number : XXXX Remove this account due to non-compliance 4. This is a duplicate account reporting the same account number and different balance. FCRA violation. 
XXXX XXXX XXXX  Account Number : XXXX Remove this account due to non-compliance with the FCRA XXXX you were notified that the payment history is inaccurate and failed to correct or verify this account. Stop reporting for FCRA non-compliance of inaccurate data furnished on the consumer report XXXX XXXX XXXX  Account Number : XXXX Stop reporting for FCRA non-compliance of inaccurate data furnished on the consumer report.
Product: Credit reporting or other personal consumer reports

This forceful grievance underscores the alarming inclusion of inaccurate and incomplete credit information in my profile. It is glaringly evident that your operations have drastically fallen short of the fundamental standards mandated by credit reporting laws, particularly 15 USC 1681. This federal statute explicitly dictates that credit bureaus must report nothing less than 100 % accurate credit information, leaving no leeway for the haphazard and erroneous data currently tarnishing my report. The seriousness of this transgression necessitates an immediate and thorough re-examination of the following details, ensuring strict adherence to the unyielding statutory provisions outlined in 15 USC 1681 1 : Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX XXXX accurate XXXX XXXX Account Number : XXXX Please remove it from my credit report. 2 : Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX XXXX accurate XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I voluntarily surrendered my vehicle to the company around XXXX XXXX after a couple of months I found out that the vehicle was sold but the company sent me a remaining balance. However, instead of giving me time to pay this balance, they reported the account as charged off when it should at least still be opened until I pay the agreed amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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: Mortgage

I have spoken with State Farm Bank four times in the past 11 months about the same issue. They are not sending my mortgage bill to me for payment. Everytime I speak with someone they say they are going to fix the problem but it doesn't get done. I have happened to remember to pay the mortgage a few times without receiving a bill from them. Then, around the middle of the month, I'll receive a late notification in the mail. I am totally frustrated with this and I'm tired of having to waste time calling them time and time again to request the bill be mailed to me so I can pay it.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the late payment reporting on my account with XXXX XXXX XXXX. Specifically, I am referring to the following account details and associated late payment : Account Name : XXXX XXXX Auto Account Number : XXXX Account Type : Auto Loan Late Payment Date : XX/XX/year> Under 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), it is my understanding that my consumer report should not reflect information solely related to transactions or experiences between myself ( the consumer ) and the company reporting ( XXXX ). Negative payment histories and late payments have a direct and harmful impact on my credit report and, by extension, my financial wellbeing.

In addition, per 15 USC 1666 ( b ), I am requesting that you provide documentation of the reasonable procedures your company follows to ensure that each periodic statement is mailed to me ( the consumer ) no later than 21 days before the payment due date. I also request that you include the information required by 15 USC 1637 ( b ) of Title 15 in your response. 
Please be advised that you have 30 days from the date you receive this letter to respond with the requested information. If I do not receive a satisfactory response within this timeframe, I will assume that you are unable to verify the accuracy of the reported late payments. In that case, I will request the removal of these late payments from my credit report with all relevant consumer reporting agencies ( Equifax, XXXX, XXXX ), and the account should be updated to reflect a positive payment history. 
Please send any updates or responses to the address listed below : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX Thank you for your time and attention to this matter. I look forward to your prompt and favorable response.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loans have an error in them regarding payments on-time, I've emailed/disputed to the XXXX XXXX and I either get nothing or a VERY vague " itemized '' ( in the most barest of forms ) statement that does not answer my question or provide me with any information as to why the loan went into a derogatory status as it's representing a missed or failure of payment. 

The thing is, I haven't even had a chance to begin or startup a payment plan yet ..or to speak with a loan XXXX of any sort to start and figure this out. Therefore, how would I be late or missing a payment that was never scheduled let alone made in the first place? Either I need clarification on the issue or this error needs to be fixed asap because given the previous XXXX scenarios- regardless, it's ridiculous to put me on the back burner while my credit report/score burns in a hypothetical dumpster fire. I either need knowledge or a solution to this error, if you could help me out I'd greatly appreciate it. Thank you for your time and efforts!
Product: Credit card

On XX/XX/year> I visited the BestBuy website to purchase a refrigerator that was on clearance. During checkout, the BestBuy credit card was advertised w/ 18 months special financing. I chose to apply and then was forced to call Citi to complete additional verification in order to receive a decision. I was approved after verification. When I attempted the purchase, the transaction on the new card declined and it appears this was due to a lower credit line assignment vs. the purchase total. I called to have the line increased and had to complete even further fraud verification only to be told the increase could not be approved. When I went back to the BestBuy website to complete the purchase with the {$5000.00} I was given and pay the difference with another card, the product was no longer available. I have no use for this card now and feel like I was deceptively convinced to apply for the card only for the product I wanted to purchase to no longer be available once I was approved for the card. I am requesting that Citi submit a request to all credit bureaus to have the inquiries and tradelines removed and for this account to be closed. I tried to request this from Citi and they unfortunately declined. As a long time Citi customer ( XXXX XXXXXXXX cardholder ), I am very disappointed this is how they would treat someone who always pays on time and has been loyal. Please help.
Product: Credit card

XX/XX/XXXX, I received a notice in the mail from my Home Depot account stating that I needed to use my card or my account would be closed. Not wanting to have my account closed, I made a small purchase of roughly {$45.00}. XX/XX/XXXX, I had updated all my account information after having moved. This was confirmed by the fact that I received the above mentioned notice in the mail at my new address. No statements have EVER been received via mail or email since the time of this purchase. At no time has an attempt to collect payment been made. While I realize I am responsible for this payment, the entire purpose of a statement is to ensure the customer is aware of what payments are in fact due and when they are due. Only while checking my credit score was I made aware that not only was I delinquent and being charged late fees for 5 months, a cease and desist was placed on my account by Citibank. This prevented ANY communication with us, which makes absolutely no sense. How else can they attempt to collect payment if they are n't allowed to contact us? This CA N'T possibly be proper procedure. My credit score has been RADICALLY effected by this and I need to get this taken care as soon as possible. We have attempted to take care of this with Citibank, but I do n't have full confidence that the matter will be appropriately dealt with. We paid the fees immediately in an effort to quickly resolve the problem and hope to be refunded for late fees at a later time. Citibank not having updated our account information correctly is the entire reason this happened. Any help I can get would be greatly appreciated.
Product: Debt collection

On XX/XX/XXXX this account was added to my credit file. I disputed the account as it was not ratified by me nor could the creditor prove the debt was valid. I sent a certified letter asking for proof of ORIGINAL signatures and validation of the alleged debt, and was not provided with the information requested. Because they could not provide proof and validation, the debt was removed and the account closed. 

On XX/XX/XXXX, this account has been reopened. Even AFTER failure to provide proof and validation of the alleged debt with my original signatures. 

They harass my phone line every hour, of every day calling from spoofed numbers. 

This account is not valid and should be closed and STAY closed. I will press charges with this company as much as the court will allow if the account is not removed from all credit files within 30 days and, or if this account is sold to another creditor, and if they don't stop collection efforts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account NameXXXX Account XXXX Account TypeCharge Card ResponsibilityIndividual Date XXXX StatusPaid, Closed. 
Status UpdatedXXXX  XXXX Account NameXXXX XXXX XXXX Account XXXX Account TypeCollection ResponsibilityIndividual Date OpenedXXXX StatusCollection account. {$1800.00} past due as of XX/XX/XXXX. 
Status UpdatedJan XXXX XXXX XXXX XXXX Account XXXX Account TypeCollection ResponsibilityIndividual Date OpenedXXXX  StatusCollection account. {$2300.00} past due as of XX/XX/XXXX. 
Status UpdatedXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX names are not mine, FCRA violation XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX  XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY all the above are incorrect, CPRA violation
Product: Credit reporting, credit repair services, or other personal consumer reports

I made all my truck payment on time since XXXX of 2017. That's when I took out the Loan never Missed I payment till XXXX. I had a death in the Family and could not make the Payment by the due date. I contacted XXXX XXXX and told the money was not in my checking account for the XXXX XXXX payment. The payment was due on the XX/XX/XXXX but since I had auto payment the payment was moved to the XX/XX/XXXX. I made a double payment on the XX/XX/XXXX, Then on the XX/XX/XXXX XXXX XXXX took out of my checking account another Payment for XXXX which is the XXXX payment so if they take the auto payment out on the XX/XX/XXXX of Month for the last 17 Months why would my payment be 30 Days Late if I made the payment on XX/XX/XXXX That is 30 days and they can not call it late till the XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint last XX/XX/2023 and it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are multiple fraudulent inquiries on my credit report. I have reached out to these credit bureaus and companies multiple times in regard to the fraudulent inquiries and they're still reporting on my creit report. I'm reaching out regarding these inquiries and for assistance to remove these inquiries from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code $ 1681C-2 a consumer reporting.agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
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 right to privacy and confidentiality under the 15 USC 1681. 
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 15 U.S.C 1681 602 A states I have the right to privacy. 

15 U.S.C 1681 section 604 A section 2- also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.V 1681c ( a ) ( 5 ) 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 conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ( 1 ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In XX/XX/2023 my student loans with XXXX services were discharged and closed by the XXXX XXXX XXXX XXXX XXXX due to recently becoming a totally XXXX Veteran. In XXXX of 2023, Transunion notified me via XXXX XXXX of my XXXX student loan account becoming 90 days delinquent at the time of discharge. However, I have no personal record of delinquencies in the past year according to my XXXX statements. I disputed this matter with Transunion resulting in zero change to my credit report. Upon contacting XXXX about this matter, I was told they have no record of any delinquencies and pointed me in the direction of the XXXX as they were responsible for my loan discharge. XXXX says they have no responsibility in credit reporting on my student loan account and to speak with XXXX about this situation. On XXXX I have no access to any statements within the 90 days period prior to XX/XX/2023. The most recent statement I have access to is XXXX of 2023. I have no access to official documentation except a screenshot showing that I no longer owe XXXX.
Product: Checking or savings account

I just returned home from being gone a month and am trying to bring my account ending in XXXX, to current positive balance and was trying to make a payment on the XXXX XXXX balance associated with the same account. The mobile app just kept saying unavailable try again later. So I called the number XXXX, Which was on a letter that I received saying that I needed to bring those accounts currently which I am trying to do but apparently they've closed my account which means they're probably sending me to collections. I'm trying to avoid that. I'm trying to make a payment.. Absolutely nothing but trouble and it's closed, but I do not want to be sent to collections because I'm trying to make a payment and their own people and their own app is making it more difficult.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX is inaccurately reporting on the credit profile associated with my social security number and is violating my consumer rights per the following information : Based on the information provided, the following inconsistencies can be observed : The Date Opened of the account on TransUnion is XX/XX/XXXX, while on XXXX, it is XX/XX/XXXX. There is a difference of 24 days between the two dates, which indicates a reporting error. 

The Date Last Active on TransUnion is XX/XX/XXXX, while on XXXX, it is XXXX XXXX XXXX There is a difference of 96 days between the two dates, which also indicate a reporting error. 

The Payment Status on TransUnion is Unknown, while on XXXX, it is Current. This inconsistency can indicate a failure to report accurate and complete information to the credit reporting agencies. 

These inconsistencies violate the Fair Credit Reporting Act ( FCRA ) Section 607 ( b ), which requires that the information provided by a credit reporting agency must be accurate and complete. In addition, FCRA Section 611 ( a ) ( 1 ) ( A ) gives consumers the right to dispute inaccurate information on their credit reports and requires the credit reporting agencies to investigate and correct any errors.

In addition, the account comments state XXXX XXXX  bankruptcy for Transunion and Account has been closed due to inactivity for XXXX. These inconsistencies violate the Fair Credit Reporting Act ( FCRA ) Section 607 ( b ), which requires that the information provided by a credit reporting agency must be accurate and complete.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a creditor that I have listed in my complaint in which I have no idea who it is, or how they got my information. I don't know this account whatsoever and I demand that it needs to be removed immediately. I contacted this company and I am not getting any responses from them, nor do I have a signed contract with them. This needs to be deleted asap!