23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I pulled a copy of my credit report and notice Lvnv funding reporting derogatory information. I wrote asking them to verify and validate the debt and they responded with some paperwork that have me even more lost than before. Lvnv Funding did not send me what I asked for to properly validate the debt, which is a copy of a contract or agreement signed by the alleged original creditor and all parties to any such contract provided.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, there was a transaction made from my XXXX account using my Chase account in the amount of {$630.00}. This transaction detail shows on my Chase bank statement as " XXXX payment to XXXX XXXX XXXX '' which is me, however that transaction was not authorized and was taken from my bank account. 

I reached out to Chase who explained to me they could not refund me because it looks as if I authorized the charge. I requested they re open my claim and dig deeper to see that money did not go to me, that my XXXX account was hacked. I have not gotten any where with them. 

I have attached the bank documents. The information shows my name and phone number yet, the bank should be able to see that the bank account that money went to was not mine.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute Regarding Inaccurate Reporting of Collection Accounts Dear [ Credit Bureau Name ] Dispute Department, I am writing to formally dispute several collection accounts currently reported on my credit file, which lack critical information regarding the original creditor. Additionally, the collection agencies associated with these accounts have failed to provide any contractual proof of my consent or signature, which is a legal requirement for enforcing such debts. 

Below are the collection accounts that I would like to have permanently deleted from my TransUnion Credit Report : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), specifically Section 609 ( a ) ( 1 ), I am entitled to receive full and accurate disclosure of all information pertaining to my credit report, including the identity of the original creditor for any collection accounts. The accounts in question do not comply with this requirement, as they omit the name of the original creditor, thereby making it impossible for me to validate the legitimacy of these debts. 

Furthermore, according to FCRA Section 611, credit reporting agencies are responsible for ensuring the accuracy of all reported information. Without verifiable proof of my signed agreement with the original creditor or any of the collection agencies, these accounts are unverifiable and must be removed from my credit report. The absence of such proof indicates that these debts may have been reported without proper documentation, which is a violation of my rights under the FCRA. 

I am formally requesting that you : Investigate the collection accounts in question. 
Provide the name of the original creditor and verifiable proof of my signed agreement for each account. 
Remove any unverifiable accounts from my credit report if the required information can not be provided. 
Failure to address these issues promptly and accurately may constitute a willful violation of the FCRA. Such violations can result in legal action to enforce my rights and may lead to statutory damages, legal fees, and other remedies available under the law. 

Please confirm receipt of this dispute letter and provide a written response detailing the outcome of your investigation within the legally required 30-day period. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX, IL, XXXX XXXX XXXX XXXX, XXXX, IL, XXXX XXXX  XXXX XXXX Account Number XXXX XXXX XX/XX/XXXX Balance : {$520.00} Charged Off XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$1000.00} Charged Off XXXX XXXX XXXX Account Number XXXX Open Date XXXX XXXX, XXXX Balance : {$800.00} Charged Off XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$460.00} Charged Off XXXX XXXX XXXX  Account XXXX XXXX XXXX Date XX/XX/XXXX Balance : {$470.00} Charged Off XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX ) Account Number XXXX Open Date XXXX XXXX, XXXX Balance : {$1200.00} Collection XXXX XXXX  ( Original XXXX : XXXX XXXX XXXX XXXX XXXX ) Account XXXX XXXX Open Date XX/XX/XXXX Balance : {$1200.00} Collection XXXX XXXX  ( Original XXXX : XXXX XXXX XXXX XXXX ) Account XXXX XXXX Date Opened XX/XX/XXXX Balance : {$1100.00} Collection XXXX XXXX  ( Original Creditor : XXXX XXXX  ) Account Number XXXX Date Opened XX/XX/XXXX Balance : {$660.00} Collection XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) Account Number XXXX Date Opened XX/XX/XXXX Balance : {$1100.00} Collection XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account Number XXXX Date Opened XX/XX/XXXX Balance : {$490.00} Collection Inquiries in Dispute : XXXX NATL XXXX XX/XX/XXXX Accounts NOT Included in Dispute : XXXX  XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$250.00} Late/Open XXXX XXXX Account Number XXXX Open XX/XX/XXXX Balance : {$510.00} Late/Open
Product: Credit card or prepaid card

I have been working with a credit counseling company XXXX XXXX since XX/XX/XXXX, they are sending payments to this CC Company ( Aspire ), I have been getting nothing but trouble with them every time I call them and try to get information out of them for a hardship payment plan, a payment date change ( to stop the late charges from accumulating monthly ). They have lied to me about information they have received from my debt collection company ( I know this to be true because I am in contact with them almost daily lately, just today XX/XX/XXXX and yesterday XX/XX/XXXX ). Aspire ( the cc company ) stated to me on XX/XX/XXXX over the phone, they had no information about a rejected proposal from my debt consolidation company, ( they did as stated above they rejected the payment offer ) so I had to call to find what they would consider for a monthly payment. I never could a straight answer from XXXX representative she put me on hold 6 times, she told me there was nothing in my file from XXXX XXXX, and when asked for the 6th time about a payment amount, she said again well you can send something!!!! I hung up at that point!! They are refusing to work with me and I have even increased my payments from XXXX ( that was in XXXX ) to XXXX as of XXXX. They are accepting my payments also! I can not change my pay date I'm on social security XXXX and get paid the XXXX of the month and that's it the Government does not change for anyone! The due date is the XXXX my money goes through XXXX XXXX then onto the XXXX company so the payment is not there until the XXXX or so but again the CC company refuses to work with me on a due date change! 
I'm trying to pay this down but with them charging late fees and over the limit fees ( that they created ) it never will be paid off!! 
Card ending in # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I viewed my credit report and found late payments below.. 
Creditor : Guild Mortgage Account:XXXX I was never late 30, 60, or 90 days late in the months of XXXX, XXXX, XXXX, XXXX and XXXX. Im not sure when this happened, I believe that I had made my payments to your when I received my statements. My only thought is that there is a billing error with my statements.
Product: Credit reporting or other personal consumer reports

The credit inquiries listed below are unauthorized and I have attempted multiple times to contact these companies directly, have them removed and haven't received a response. 

XXXX : - XXXX XXXX  XXXX ( Finance ) XX/XX/XXXX  - XXXX XXXX XXXX ( Bank ) XX/XX/XXXX  - XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX
Product: Debt collection

To whom it may concern RE : XXXX XXXX Account XXXX This is the 3rd time a 3rd party debt collection such as yourself ( MIDLAND CREDIT MANAGEMENT ) has  attempted to collect on this account that was never verified under OHIO LAW 1319.12 ORC Taking assignment of Debt. 
( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : ( 1 ) The assignment was voluntary, properly executed, and acknowledged by the person transferring title to the collection agency.

( 2 ) The collection agency did not require the assignment as a condition to listing the account, bill, or other evidence of indebtedness with the collection agency for collection.

( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX account # XXXX & XXXX, XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX  XXXX # XXXX, XXXX  XXXX XXXX # XXXX all have violated my rights.

15 U.S.C 1681 Section of 602 A States I have a 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax allowed a massive security breach that exposed my information and the information of millions of people. They withheld information long enough for the CEO to sell his stocks before the news tanked the stocks worth. Clearly this company is not capable or interested in keeping my personal information private but I can not opt out of their services. Normally, we would rely on this government agency to investigate Equifax. Normally, somebody who uses insider information to trade stocks goes to jail but it appears that this agency is uninterested in protecting public interests because it's totally corrupt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I called XXXX XXXX to get assistance for my XX/XX/XXXX payment for my mortgage loan. I spoke to XXXX XXXX a Home Preservation Specialist with XXXX XXXX. I told her my payment was due and that I was out of work for a month due to a full XXXX XXXX. 
XXXX XXXX then said she for sure was able to assist me gave me two different options and one of the options was to commit to a payment arrangement. The payment arrangement consists of splitting the month of XXXX regular payment of {$1600.00} in two payments. First payment in a half of {$2500.00} would be paid on XX/XX/XXXX and the second payment would be paid on XX/XX/XXXX for the same amount of {$2500.00}. I asked the representative if this would affect my credit and she replied no because they would help me get on track. I felt in great relief with the assistance. 
My daughter XXXX XXXX is the cosigners to the loan. My daughter is a XXXX  XXXX for the City of XXXX CA. In the month XXXX I received a call from my daughter the cosigner of the loan told me how upset she was feeling and asking me why I was late for three months on the mortgage payment she stated her credit score dropped about 80 points.  At this point her credit was ruined her and possibly not able to purchase another home for her family since she is soon to get married. 
I have contacted XXXX XXXX several times and have gotten the run around. I spoke to a representative and she was rude just continued to say I was late and would not listen to my concerns and facts. On XX/XX/XXXX I contacted the XXXX XXXX in the external department and asked him to please pull the calls and prove that XXXX XXXX gave me false and misleading information about credit reporting. XXXX XXXX has proof of payment plan letter and payments made to them on time per the payment arrangement letter from XXXX XXXX. I have also contacted XXXX  and Transunion and downloaded proof of the payment arrangement from XXXX XXXX and a copy of my bank statement from XXXX  XXXX XXXX showing proof that it had been paid on time. 
My daughter and my financial future are in Jeopardy. We are not at peace and all we did is trust our mortgage lender.
Product: Mortgage

XXXX  situation happened when XXXX XXXX sold our XXXX to XXXX XXXX. We followed their steps and it resulted in them pulling XXXX payments. We called and discussed the situation and agreed up on the duplicate payment being set up a prepayment for the next month ( XXXX ). 

The XXXX  situation occurred when they withdrew the payment for XXXX. 

The third situation is they pulled the payment prior to the due date. The payment is due XX/XX/XXXX, they initiated the charge on XX/XX/XXXX and had been removed from our account prior to the due date without our authorization.
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 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 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 REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXXXX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$6700.00} XXXX - XXXX - XX/XX/XXXX - {$8500.00} XXXX  REC - XXXX - XX/XX/XXXX - {$2100.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$740.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$4400.00} INQUIRIES : XXXX XXXX NA XX/XX/XXXX XXXX  XXXX NA XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX  AUTO FIN XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I had a dispute request going with Transunion and some companies that were reporting to my credit report. The items were XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. These accounts are only reporting to my transunion credit report. After the investigation they sent me a letter stating that the accounts were deleted from my file. XXXX XXXX  later they added the same trades back to my file and now they want delete those accounts
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$110.00}. These account have resulted in several fraudulent hard inquiry and fraudulent collection appearing on my consumer FICO credit report. I've attached a list of the hard inquiry in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned collection, or hard inquiry as reported. The aforementioned collection, and hard inquiry appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned collection, and hard inquiry are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer collection, and hard inquiry are the result of identity theft and fraud.
Product: Debt collection

Portfolio Recovery claims they received this account from XXXXXXXX XXXX. I have worked with XXXX for several months, but this account did not originate with XXXX. It was transferred through a merger of services from XXXXXXXX XXXX 

The account was fraudulently used by someone else, and unbeknownst to me, a claim was filed with XXXX XXXX, which is why the company is not sharing the originally requested documentation. I have been held hostage by this company for several years, and the latest report from portfolio recovery is that they are labeling this account with all bureaus as self-reported. 

Portfolio Recovery has since committed a hideous but criminal activity by reporting an account as a credit card and opening a balance when the account is charged off. This company has recently updated the credit bureau with a payment history of late every month, but I do not have a signed agreement with Portfolio Recovery. Please see the attached information, which was done in XXXX by Portfolio Recovery.
Product: Debt collection

I have a " Paid Collections '' account on my credit report that has an original creditor delinquency date of 2007. I contacted Midland Funding LLC. and asked them to provided me with the original delinquency date so they can remove the " Paid Collections '' from my credit report because it 's been over seven-years since the original creditor reported delinquency. Federal law requires that collection agencies " Midland Funding '' report the original delinquency date from the original account. Because the original delinquency date does not change, the seven-year time frame does not start over when an account is sold or transferred to another lender or collection agency. I have contacted XXXX XXXX Division Manager of Midland Funding LLC through phone calls and certified mail. They only provided me with the date the account was sold to them. I still have no confirmation from Midland Funding LLC about the original delinquency date and they have not removed my " Paid Collections '' which is severely effecting my credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 In my Coinbase wallet I converted approximately 80000 usd worth of poligon ( matic ) and I got back approximately half the amount in wluna. I lost around 40000 usd for no reason. The fee I agreed to pay was 6 Luna. On my message complain to Coinbase it seems I can not find my right. Below is the poligonscan address XXXX Can you please help? 
Is there any law firm that takes cases like this? 

I appreciate your help XXXX
Product: Credit reporting

I inadvertently defaulted on a XXXX account with a balance of {$690.00}. This amount in full was paid DIRECTLY to XXXX and there is now a {$0.00} balance with them. This should NOT be with a collection agency or reporting as such with any credit bureaus. Upon disputing this with the bureau, they claim to have verified it, although I was able to verify with XXXX that there is no balance on my account.
Product: Debt or credit management

XXXX XXXX XXXX program Payments of {$220.00} are supposed to come out of my account every month on the XXXX. Today is XX/XX/XXXX, and {$220.00} has already been taken out of my account causing me to overdraw my back account, which wouldn't have happened if the money was taken on the XXXX because I have payments coming to me from my landscaping work on Sunday and Monday ( XXXX ). 

Payment was taken early, on the XXXX instead of XXXX back in XXXX too, which I wasn't expecting. 

This month, XX/XX/year>, my actual payment date scheduled for autopay, is a Monday and not a holiday or weekend so I'm not sure why this happened. 

People can not have money taken out before the expected and listed due dates and need to be able to plan. 

Screenshots attached showing my account and how it shows the XXXX of every month is my auto pay date. My bank account will not let me take a screen shot to attach of how the money came out today, the XXXX.