23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I sent lvnv funding/resurgent asking them the verification & validation letter. I only received a verification letter. They didn't send me all the information that I requested. After looking at what they sent I realized the amounts is different on the last statement they sent from XXXX vs what lvnv has listed. The information don't match & is inaccurate. The last statement say new balance {$480.00} previous balance {$470.00} vs what they say is {$450.00}. I sent them a letter asking for all billing statements & the original contract with my signature. I didn't receive it only one statement. I will include the letter I sent along with what they sent me. The {$450.00} is also being reported on my credit. I want to know how they come up with this amount vs what the statement say. There is no proof of how they came up with this amount im sure that's a violation
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2023 to Equifax, XXXX, and XXXX certified. However, it's been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 

According to the law 15 U.S. 1681i - Procedure in case of disputed accuracy. If the completeness of this accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Student loan

I received a letter from Mohela dated XX/XX/XXXX saying that my student loans were paid in full and there is a XXXX balance. However it is now XX/XX/XXXX and its still showing up on my credit reports. Mohela has not updated the bureaus since XX/XX/XXXX and they have no plan to do so.
Product: Debt collection

As of XXXX I was illegally kick out of m apartment me and my XXXX children. I didn't think to call pseng to let them know I was moving, because of what happened. I was trying to get back into the place within the same month which was XX/XX/XXXX or XXXX not sure. Wasn't expecting to be in that situation. I went on vacation and this took place with my landlord. To now as of XXXX I'm back into my new place now I hot a letter in the mail stating I owe money for a bill where I was t staying. Once they kick me out of the apartment I never switch anything out my name until I was able to find shelter for me and my kids so I have done that so now I looking to see if I can be excused of this out standing amount I'm on a fix income and I don't believe I should pay for this cuz the landlord move someone into that apartment once they illegally put me out without my consent at the time so I'm lost and I need help on what to do now. I was fighting to get back in that old place once they done that to me and my kids I took the illegally put out to, legal aid in XXXX NJ so they knows bout the Lock out they had done. Just giving example on why the bill is high and to cover my self my behalf that I wasn't at this address in XXXX in XXXX of that month so if someone can reach me my number is XXXX thank you
Product: Vehicle loan or lease

I needed car repairs and went to the dealership to have those taken care of. On XX/XX/2021 the repairs were completed and I began to finance the repairs. They offer financing through a company called Sunbit. I was accidentally signed up for a six month loan in place of the 12 month that I wanted. I called over to Sunbit the next morning to get the terms changed to the one I intended to sign up for. For reasons that remain unclear, I needed to have the dealership where I got the repairs done to cancel the contract to resign under the terms I desired. After the dealership sent over the new forms ( which are all done through a link sent to my phone number ), I attempted to sign up for the 12 month plan. Each and every time I tried, the contract would show a six month payment schedule instead of the one I had intended to sign up for. On XX/XX/2021 I called Sunbit again and the solution to the changing loan terms was to send over another prequalification link, and have the dealership send over another link to try and receive the loan I intended to sign up for. The same issue occurred. After a third round of calls between myself, Sunbit, and the dealership a supervisor finally was able to sign me up for the terms I wanted. While this is the resolution I desired it took several hours of phone calls between my calls with the dealership, my calls with Sunbit, and the dealerships calls with Sunbit. Having both dealt with other loan companies ( including a concurrent issue with my husband 's car loan ) and conversations with others I feel this is an unfair practice, especially since the terms of the loan are not made explicit on the page you sign, and instead buried in the loan agreement.
Product: Debt collection

On XX/XX/2022, I received an email from my credit monitoring service. It informed me that my credit score had dropped a tremendous amount of points. I logged on and found that LOCKHART MORRIS & MONTGO had illegally posted an alleged collection account to my credit profile. Prior to the email, I have never heard of nor had an account with this company. My report shows that it is an open account and was opened onXXXX with a balance of {$2500.00}. I had no knowledge of this company nor this alleged debt. I have never had any dealings with this company. By federal law, a debt collector is supposed to make contact with an alleged debtor and give them 30 days to validate or dispute. I never receive a letter in the mail that gave me 30 days to validate or dispute this account. I never received a letter stating that I have an alleged debt with this company and owe a balance on that account. Again, I have absolutely no knowledge of this account with them. I understand that, under the FDCPA guidelines for collection agencies, they have to provide ( 1 ) proof that they are the original holder of this debt and can legally hold me responsible for paying this debt and ( 2 ) contractual proof of obligation or an assignment SIGNED from an officer from the original creditors corporation that I am supposed to pay them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right to request validation of this alleged debt they say I owe. I did not receive notice of right to dispute nor did I receive enough information to verify that the alleged debt belonged to me. If I would have gotten anything in the mail or phone call from this company before they illegally reported to my credit report, I would have respectfully requested evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay them this debt. Upon them receiving my validation letter, they would have to legally cease from collection calls, letters, and efforts and delete the account from my credit files until they can validate this debt. But again, I never received such a letter about this account or phone call ever in the mail. They have illegally posted and reported to my credit file without adhering to the FDCPA laws. Im not sure if this company is a scam, but I know that this company has broken FCRA and FDCPA laws by reporting an alleged account to my credit report without informing me through mail or phone and I did not receive notice of right to dispute nor did I receive enough information to verify that the alleged debt belonged to me. My credit score has dropped tremendously in the middle of making a major purchase. Please help me get his account removed immediately. I'm preparing to sue under the FCRA and FDCPA because of the damages to my credit and opportunity costs with making a major purchase and business ventures that have to be delayed until this illegal account is removed. LOCKHART MORRIS & MONTGO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and noticed several inquiries that I did not authorize. There is an XXXX inquiry on XX/XX/XXXX. on my Experian report. I did not authorize this, nor do I know what this is for. The next inquiry is for XXXX on XX/XX/XXXX. I showing on my Experian Report. I have never heard of this company. I show an inquiry for XXXX  on XX/XX/XXXX on my XXXX report XXXX I shop at XXXX, however, I do not shop there enough to warrant the need of a credit card. This was unauthorized. There are car dealerhsip hard inquiries on my report that I did not authorize. I currently have a car loan in which {$1200.00} is still owed on it. I have not requested a new vehicle nor have I authorized my credit be run for a new vehicle. There is a XXXX of XXXX on my XXXX report for XX/XX/XXXX. I did not authorize it. When reviewing my report, I reached out to the number on file, and was informed that they did not do this, so I believe it is a fraud transaction. I see a XXXX of XXXX for XX/XX/XXXX on my Experian report. Once again, this was not authorized. I have not submitted any information to any XXXX to run my credit. No social or confidential information was submitted. There is another unauthorized inquiry on my report for XXXX on XX/XX/XXXX for XXXX. I have never heard of this, and did not authorize this. Another inquiry has shown up for XXXX XXXX XXXX XX/XX/XXXX for XXXX and another on the same date for Experian. This was not authorized by me. I also see a XXXX on XX/XX/XXXX on my Experian. Again this was not authorized by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX - This account is involved in litigation. This account is being disputed for the reason previously stated.
Product: Credit reporting or other personal consumer reports

I am formally disputing the account reported by XXXX XXXX XXXX ( Partial Account Number : XXXX ) on my credit report. This account contains inaccurate information and must be verified or removed immediately in compliance with the Fair Credit Reporting Act ( FCRA ). 

The errors include, but are not limited to : Incorrect address information. 
Suspicious and unverified account opening date. 
I do not recognize any account with the alleged original creditor, XXXX XXXX XXXX. 
Inaccurate balance and account status. 
Unfair and harmful reporting that negatively impacts my ability to obtain fair credit. 
Under the FCRA, I request that you : Investigate this account and provide me with proof of its validity, including the original contract with my signature and full details of the debt. 
If you can not provide such validation, immediately remove the account from my credit report. 
Additionally, LVNV Funding LLC is reporting this account as a " Factoring Company Account, '' which may be a misleading categorization. If they are reporting inaccurate information or can not properly verify the debt, this constitutes a violation of the FCRA and the Fair Debt Collection Practices Act ( FDCPA ). 

I expect your response within XXXX days, as required by law. If you are unable to provide proper validation, I will file a complaint with the CFPB and consider further legal action
Product: Debt collection

I called XXXX to set up a payment plan after finding out that XXXX would only be giving me a credit with their account and not sending me the money to pay off my XXXX account ( I was told the promotion I was supposed to get with XXXX was not authorized and that's why it took a few months ). XXXX agreed and said as long as I paid it, I wouldn't be sent to collections. I'm a XXXX veteran and single mom and had just moved so I didn't have much money. I paid XXXX in XXXX, {$300.00} XX/XX/XXXX and XXXX XX/XX/XXXX. They then reported me to the credit bureaus and my credit dropped over 80 points. I tried calling them repeatedly and they just kept saying they couldn't help me and I needed to call IC systems ( the collection agency ). I then filed disputes with the credit bureaus and filed with the XXXX. Yesterday I received an email from XXXX with executive corporate offices of XXXX. He said my debt was valid and that I needed to call IC systems. I responded to him with proof and to the case worker with XXXX because she also sent me his response. This is illegal, and inaccurate. I do not owe them anything and this has been paid.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

On XX/XX/2022, my primary checking account was frozen because of suspected fraud. I tried reaching out the the company, who has an advertised and listed XXXX fraud department. I spent over XXXX hours waiting for someone to answer the call in the fraud department. I then called the account services department and asked to speak to a supervisor, and was then told that the fraud department does not have a supervisor. Due to this companies inability to manage a fraud department I am now stranded away from home.
Product: Mortgage

My attorney has been continuously trying to process a short sale of my home with Wells Fargo. Despite several phone calls and emails to Wells every single day, Wells continues to not respond and then a few days closes out the file due to " missing documents '' even though they never tell us what is missing. It seems as though they do not want me to short sale my home, they would rather foreclose on it. They have been impossible to work with and continuously avoid our phone calls and emails. Please help before I get foreclosed on.
Product: Debt collection

General Revenue Corporation has a loan of mine that has expired by the State of California Statute of Limitations ( let 's say in the amount of {$1000.00} ). They have recently filed a derogatory mark on my credit in the amount of {$83.00}, which is much less than the amount of the expired loan. When I contacted them regarding the loan, they couldn't give me any information about where this {$83.00} amount came from, but stated the amount of the loan was the amount of the expired loan ( {$1000.00}, in this example ). 

They won't let me pay off the {$83.00} for the derogatory mark to go away, and instead want the {$1000.00} which has expired. I'm concerned if I pay {$83.00}, this will count as a payment towards the {$1000.00}, which could reset the statute of limitations on that loan. 

I would like to 1 ) Know why I owe the {$83.00} ( willing to pay that off, if it comes to it ) 2 ) Ensure that I'm not resetting the statute of limitations on my {$1000.00} ( ish ) loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I gathered the supporting document that XXXX wanted to see. I had submitted with the a certified mail tracking number with returned receipt on XXXX XXXX 2022 this was last year. I have never heard back from XXXX on investigating the obvious inaccurate and incomplete item entered on my XXXX XXXX consumer report. not only is the credit limit inaccurate, the payment history for XX/XX/2022 is incomplete. the remark section was never marked as " consumer disputes this account '' Its been more than 60days and nothing. FCRA clearly says that everything on my consumer report must be 100 percent complete,100 % accurate and 100 % verifiable..

I have attached the document from SELF FINANCIAL INC/ LEAD BANK XXXX that shows the correct credit limit of {$520.00} and the balance owed of {$210.00} 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like these items immediately reinvestigated. The inaccuracies are highly detrimental to my credit score. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX Under The Fair Credit Reporting Act Public Law 91-506 title 6 section 611 please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1666b - Timing of payments U.S. Code ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

( Pub. XXXX XXXX, title XXXX, XXXX, as added Pub. XXXX XXXX, title XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX. XXXX ; amended Pub. XXXX XXXX, title XXXX, XXXX ( b ) ( XXXX ), XX/XX/XXXX, XXXX XXXX. XXXX ; Pub. XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX. XXXX. )
Product: Payday loan, title loan, personal loan, or advance loan

I had XXXX accounts as seen in the screen shot with Affirm, on my account page it shows that the loans are in default and transfered over to XXXX as their debt collector, I have paid both these accounts off, as seen in the PDF 's from XXXX, yet Affirm will not update my account and remove the negitive information which prevents me from future credit. They got their money, and the accounts paid off.
Product: Checking or savings account

At about XXXX on XX/XX/XXXX, I was trying to sign into my XXXX account and I was unable too, after several attempts being unsuccessful, it then dawned on me someone had gained access to my email and changed the password, I was able to successfully retrieve my email address and change the password, once I fully gained access to my email, I then recalled I had received a text message earlier in the day stating my phone number had been disassociated with my XXXX   tag, I never paid attention to the text message, I had assumed it was junk text, however, due to the incident with my email I immediately login to my bank account, and to my surprise, a total of {$6000.00} had been withdrawn from my account, a transaction not authorized by me, I also immediately contacted Suntrust bank, to make them aware my bank card linked to XXXX has been compromised and there are transactions in my account for a total of {$6000.00} not authorized by me, I was informed a case ( XXXX ) was being opened and a decision will be made in 10days. 

I called the bank on XX/XX/XXXX and was informed that the investigation was done and my funds will not be refunded because the investigator found inconsistencies, I asked what were the Inconsistencies? the customer service rep said she was not aware of what they were, I informed the rep I never spoke to anyone to give details of the event that occurred outside of when I called to report the fraud, and details were not taken from me, her response was, the investigator does not have to speak me, I asked how an investigation can be done without me ever speaking to the individual involved in the situation, I've banked with Suntrust for 13years and I'm beyond disappointed at the level of service I've received thus far I've attached proof of my email account details showing it was accessed from NY also proof showing that my recovery email address was also changed by the hacker and they login using an XXXX, i don't have an XXXX, finally a screen shot of all the funds removed from my account without my consent
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX wont remove the fraudulent items off my report
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about  XXXX   XXXX ,  XXXX  Equifax arbitrarily deleted all information on my credit report with the exception of  XXXX  accounts. Approximately  two  days later all the accounts and their corresponding information was re-inserted onto my credit report without their notifying me of this change or demonstrating that re-inserted information was verified.     On or about  XXXX   XXXX ,  XXXX  I notified Equifax of this issue, by certified mail, and it appears they attempted an investigation, but upon checking the investigation status it shows " N/A ''. They have provided no information as to the outcome of the investigation nor have they removed the inserted records.     From my understanding the FC RA, Section 611, a c redit reporting agency is to provide written notification of any records that have been removed and subsequently re-inserted, along with providing documentation indicating how the information was validated. Equifax, in this situation, clearly violated the FCRA and has appeared to have ignored my request to investigate the matter.     Attached is a copy of letter sent to Equifax in  XXXX   XXXX  along with copies of my credit report indicating that all information was removed, then reinserted.