23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have received 5 emails from LVNV.. Funding LLC stating I owe {$540.00} to XXXX XXXX XXXX. I email lvnv funding telling them that is not the correct amount that I owe it is less the what they have stated. I have done some research on this company and this company like to add fees on top of whats owed. Lvnv expect me to pay the fees that has been added to the original amount that is owed. And I have contacted them by email and i told them it was illegal. I also told them I'm not working so Im unable to make a payment to them and If I was working the account wouldn't have landed to their office. Unfortunately, I still receive receive emails from them and they would like me to talk to them but I prefer that they contact me through email instead.
Product: Credit reporting or other personal consumer reports

EXPERIAN -the ONLY CREDIT BUREAU EXHIBITING erroneous, inaccurate, incorrect information even after numerous requests for correction and deletion 1. XXXX XXXX #... ..Experian has my last 4 listed as XXXXWRONG! 
2. Reporting Addresses I never lived at... i never lived out of State of Illinois 3 Reporting alias names I have never used 4. Reporting my positive information such as 0 collections,0 bankruptcies abd number of adverse account inaccurately and as whsts hurting my account? 
Documentation attached. 

I have paid credit repair companies, sent letters, attempted calls disputed online and sent proof to have XXXX XXXX  Partial account # XXXX removed from my credit report..have had documentation sent on several occasions showing that this account was paid through XXXX XXXX XXXX... WHICH IS WITHIN THE CREDITORS AGENCY ... account in incorrect, inaccurate and paid.
Product: Credit reporting or other personal consumer reports

On XX/XX/scrub> 2025 I sold my XXXX XXXX XXXX to XXXX XXXX in XXXX XXXX, Texas. I owed XXXX on the vehicle. XXXX purchased the vehicle from me for XXXX and I paid the rest of the loan XXXX. I immediately emailed Driveway Finance with the documents and called the verify. They said the vehicle was not paid off. I gave them proof it was. Weeks later and they havent sent me any paperwork confirming that the vehicle is paid off and it is still appearing on my credit score. Ive called and they said my account is in recovery which I am unsure what that means. I need this resolved. They keep giving me the run around and dont respond to my emails. The customer service representatives are unhelpful. Additionally, the vehicle has even been sold by XXXX XXXX. The vin is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts which i believe were reporting in error. 

XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$0.00} -DEPT OF ED/XXXX XXXXXXXX Balance : {$18000.00} XXXXDEPT OF ED/XXXX XXXX Balance : {$8300.00} -DEPT OF EDXXXX XXXXXXXX Balance : {$7700.00} -DEPT OF EDXXXX XXXX Balance : {$5400.00} -DEPT OF ED/XXXX XXXX Balance : {$4200.00} -DEPT OF EDXXXX XXXX Balance : {$2000.00} -DEPT OF EDXXXX XXXX Balance : {$1900.00} -DEPT OF ED/XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX : {$13000.00} XXXX XXXX XXXX XXXX Balance : {$15000.00}
Product: Credit reporting or other personal consumer reports

I disputed information on my credit report and they didnt properly investigate.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 

Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

As follows firstpremire credit card
Product: Credit reporting or other personal consumer reports

According to 605B, this account needs to be removed quickly. I'm angry that it's on my credit record, even though it's not mine. Its presence has upset me, and I feel unwell about the situation. I want it gone, and my credit report corrected.
Product: Credit reporting or other personal consumer reports

Unauthorized Credit Inquiries 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

XX/XX/XXXX XXXX XXXX XXXX the company has inquired on my credit report unauthorized letters has been sent advising of the issues but I have not received an response
Product: Vehicle loan or lease

i cosign for a car and made the payments. I moved out and the person who i cosigned for wasn't keeping up with the payments and i told i'll pay for it if they could transfers everything in my name because they original loan holder couldn't or didn't want to make the payments. I paid them the XXXX and they never gave me the car. we gotten the car for vip outlet in XXXX i can not remember the name of the bank but i did have them removed from my credit report. this was in XXXX...
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report.
Product: Credit reporting or other personal consumer reports

The following are on authorized hard inquiries on my credit report that I do not recognize. I am asking that these inquiries be removed immediately. 

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

I am writing to formally dispute certain inaccuracies present in my Equifax credit report. On XX/XX/XXXX, I contacted Equifax regarding these discrepancies, yet I have not received a response to date. I am providing the details of the incorrect information and the necessary corrections, seeking your assistance in rectifying this matter. 

Account Information : Account Identifier : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} ( Disputed Amount ) The information reported by your agency for the account XXXX is XXXX. The original creditor associated with this account is XXXX XXXX XXXX XXXX, which differs from the entity you indicate. I have never entered into any contractual agreement with the mentioned company and have not received any communication from them. The reported balance of {$1400.00} exceeds my understanding of the owed amount. In light of these inaccuracies, I am contesting the entirety of this account and request verification of the Date Opened and Date of First Delinquency. 


XXXX. Account Identifier : XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} ( Disputed Amount ) The details presented for the account XXXX are XXXX incorrect. The original creditor for this account is XXXX XXXX XXXX XXXX, not the entity indicated by your agency. The reported balance of {$1700.00} surpasses the amount I acknowledge owing. I dispute the accuracy of this account and call for verification of the Date Opened and Date of First Delinquency. 


XXXX. Account Identifier : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} ( Disputed Amount ) The account information provided for XXXX warrants further investigation. While the original creditor is XXXX AT T, I have not been contacted by XXXX. The reported balance of {$1100.00} is inflated and inconsistent with my records. Given these discrepancies, I dispute the entirety of this account and insist on verification of the Date Opened and Date of First Delinquency.
Product: Credit reporting, credit repair services, or other personal consumer reports

A company identifying themselves as : TRANSWORLD SYSTEMS XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Placed a fraudulent collections account on my credit reports in the amount of : {$670.00} And claimed the original creditor was : XXXX XXXX XXXX XXXX ( Utilities ) I never opened any such account.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are fraudulent and innacurate accounts reporting on my credit report
Product: Debt collection

My husband was prescribed XXXX XXXX XXXX XXXX XXXX in early XXXX which we purchased through his doctor. We were advised they may not be entirely covered under our insurance and they would let us know during his follow up visit in a month our remaining balance. 

During his follow up visit we were advised we owed {$40.00} total out of pocket and paid with a card at that time. Towards the end of summer XXXX we received a bill from the Doctors parent company   XXXX XXXX for {$240.00} and a threat to send us to collections for nonpayment. I called the Doctors office confused and was advised that this was a billing error on their end. Due to their delay in submitting the claim for the XXXX  it had crossed plan years for our healthcare provider and a change in coverage now meant they were no longer covered at all. Due to this being an error on their end they cancelled the balance and we no longer owed anything. 

Then in XX/XX/XXXX I received a collections notice from XXXX XXXX XXXX stating they had purchased our debt and we owed {$240.00}. I mailed them a hard copy of my email communications with XXXX XXXX which showed this was not a valid debt and included a cease and desist order stating it was illegal to sell the debt. This was mailed return receipt request and a signature confirmed they received it. 

The following month I received another letter stating their intentions to attempt collection. At this point I called and was unable to speak with a person. I finally left a voicemail stating their continued attempts to collect an invalid debt are illegal and that they must cease and desist. I never received any further communication. 

Then on XX/XX/XXXX I received a notice of intent to collect from Revenue Cycle Associates. This means that dispute written and attempted verbal communication, XXXX XXXX XXXX has illegally sold this debt. Im am currently in the process of advising Revenue Cycle Associates to cease and desist in writing.
Product: Credit reporting

I have XXXX accounts on my credit report. I was never notified of debt prior to posting to credit report. I have filed complaints against both company 's. XXXX XXXX and XXXX should be deleted to my credit report.
Product: Debt collection

Select Portfolio Servicing, Inc is attempting to collect a debt on behalf of XXXX XXXX XXXX. Select Portfolio Servicing, Inc., purports to be a mortgage servicer servicing a loan on behalf of an investor by the name of XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX as TRUSTEE OF CERTIFICATE HOLDER MULTI-CLASS MORTGAGE PASS-THROUGH CERTIFICATES, CHASE FLEX TRUST SERIES 2007-3. 
However, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX as TRUSTEE OF CERTIFICATE HOLDER MULTI-CLASS MORTGAGE PASS-THROUGH CERTIFICATES, CHASE FLEX TRUST SERIES 2007-3 ; has contended that they are not the owner of the loan, they are not the owner of the land nor are they in any way shape or form involved with any foreclosure proceedings. 
Naturally, Select Portfolio was asked to : Validate the Debt, Provide Accounting, Verification of Claim from their alleged client the XXXX XXXX XXXX XXXX XXXXXXXX, A copy of the contact that binds both parties with signatures by both and or all parties, A Copy of any and all invoices from XXXX  XXXX XXXX XXXX XXXX XXXXXXXX showing XXXX XXXX XXXX owes a debt to them, Any and all other proof a debt is owned to their alleged client XXXX XXXX XXXX XXXX XXXX XXXX 
The same questions have been asked for years and Select Portfolio has not been able to provide any of the documents enlisted above. It is clear, a debt is not owed to XXXX XXXX XXXX XXXX XXXX XXXXXXXX. However, Select Portfolio Servicing, Inc keeps accelerating a fake debt on their behalf, which triggers the advertisement of a Non-Judicial Foreclosure Sale. This is not legal or lawful nor can they legally or lawfully foreclose on behalf of XXXX XXXX XXXX XXXX XXXX XXXX when XXXX XXXX XXXX XXXX XXXX XXXXXXXX stated on several different occasions by several different forms of communication that they in fact are NOT THE OWNER OF THE LAND OR HOME. An error has been made on the account that Select Portfolio Servicing Inc illegally holds on behalf of XXXX XXXX XXXX. Select Portfolio Servicing Inc. are not interested in correcting the problem. If anything, they stand to financially gain from this error by imposing a debt that Select Portfolio Servicing, Inc nor XXXX XXXX XXXX XXXX XXXX XXXXXXXX had/have a vested interest in. Which means they would foreclose and profit from the proceeds even though they never made a vested interest in the collateral of the home or alleged mortgage note. Both Select Portfolio and XXXX XXXX XXXX XXXX have violated : 15 USC 1692d 806 ( 3 ) 2. ) 15 USC 1692d 806 ( 4 ) 3. ) 15 USC 1692d 807 ( 2 ) ( A ) ( B ) 4. ) 15 USC 1692d 807 ( 4 ) 5. ) 15 USC 1692d 807 ( 5 ) 6. ) 15 USC 1692d 807 ( 9 ) 7. ) 15 USC 1692d 807 ( 10 ) 8. ) 15 USC 1692d 807 ( 14 ) 9. ) 15 USC 1692d 808 ( 1 ) 10. ) 15 USC 1692d 808 ( 6 ) ( A ) 11. ) 15 USC 1692d 808 ( 6 ) ( C ) 12. ) 15 USC 1692d 809 ( b ) 13. ) 15 USC 1692d 808 ( e ) 14. ) 15 USC 1692d 812 ( a ) without prejudice
Product: Debt collection

I received a collection notice from AFNI about a bill from XXXX XXXX XXXX ( XXXX ). I contacted them by phone to let them know that i have never had an account with XXXX XXXX XXXX. They advised me to file an identity theft claim. After doing so, I received another letter from AFNI informing me that XXXX XXXX XXXX determined the account to be valid but did not send any proof, other than the letter attached, or their method of validation. Which is unacceptable. I am exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all validation to investigate this matter. I am absolutely positive this erroneous item does not belong to me and should be removed from my credit report, along with all other files in connection to the account, immediately. 

Please see attached letters : AFNI collection notice AFNI fraud response
Product: Debt collection

XX/XX/2017 Account Control Technology Collection Agency XXXX XXXX XXXX, XXXX, Ca XXXX  XXXX ( XXXX ) XXXX Today I spoke with a XXXX, a representative from this collection agency. I inquired about any student loans I may have with this company, because after calling the US Dept of education I was given the above number so I could check with Account Control Tech.
I inquired about why she has my personal information and that I never had a loan with account control and she said well I contract with US Dept of education, so I asked how can you work for account control as a debt collector and for US Dept of education at the same time.
I told her I feel like this is fraudulent and I owe Account Control anything. I told her to do not use my personal information or contact me, or it will be harassment. I was also threaten to have my pay check garnished.
I have her to validate my debt and to send me a contract with my wet signature that I supposedly signed.
I am asking for my debt to be discharged, because of threatening of my and my kids well being about taking my wages and for committing fraud and saying that she works for the US Dept of Education when in fact she is a debt collector.
XXXX XXXX is CFO of this place.
XXXX.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

XX/XX/XXXX I applied for the Chase XXXX XXXX after receiving a mailer offering : XXXX XXXX  toward XXXX status and XXXX miles if I applied before XX/XX/XXXX and spent {$5000.00} within the first XXXX months. 
Before applying, I called Chase to confirm this promotion, and the representative explicitly affirmed that this was the correct offer. 

Between XX/XX/XXXX XX/XX/XXXX XXXX : Met the spending requirement to qualify for the promotion. 
Called Chase multiple times to confirm my eligibility. 
Provided documentation ( forwarding the mailer, details of the offer, and proof of my qualification ) after they repeatedly denied me. 
Was repeatedly dismissed, belittled, and gaslighted by Chase representatives, who claimed the promotion did not exist. 
XX/XX/XXXX Chase continues to deny my eligibility for the promotional offer and suggest I call XXXX who continuously push me back off to Chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of American is reporting on my credit report that my payment was late. This is not true as I setup automatic payments when the account was open, I never received a past due notification, never received a phone call regarding this, and I had more than enough money available to cover the < {$25.00} balance on the account. I had over {$10000.00} in my account at this time of supposed missed payment. I have zero missed payments in my credit history and over {$100000.00} of available credit. I need this missed payment removed from my credit report.
Product: Vehicle loan or lease

I financed my car with Santander Consumer USA in XXXX of XX/XX/XXXX. I paid roughly {$15000.00} for it. After 2.5 years into the loan my payoff is {$14000.00}. I called for a payoff last year during this same time and it is still the same amount this time this year. Ive only been credited about {$900.00} into the principal after completing 27 payments. My interest rate is 27 %. So far Ive invested almost {$13000.00} into paying for my car and havent been credited {$1000.00} towards my loan.
Product: Checking or savings account

On XX/XX/20, Bank of America debited the account for {$6800.00} for an online billpay payment to XXXX XXXX XXXX. This was a physical check sent to them that was never presented to any bank and voided by the recipient ( we have photo proof of this ). This debit created an overdraft of the account. 

The bank credited the account back for the {$6800.00} on XX/XX/20 and they placed a stop payment on the check and provided a case number. 

The bank then debited the account again for {$6800.00} on XX/XX/20 even after the stop payment was confirmed. 

The bank credited the account back for the {$6800.00} on XX/XX/20. 

Then the bank again debited the account for {$6800.00} on XX/XX/20 - the second time they did this even though a stop payment was in effect. 

However, they have not credited this money back to the account after repeated attempts to get them to do so. Several phone calls on XX/XX/20, XX/XX/20 and XX/XX/20 and local branch visits on XX/XX/20 and XX/XX/20 were made in an attempt to resolve the issue. The bank is repeatedly missing the research timelines they have been giving of 3-5 business days and making no communication of any sort. 

The account holder is a XXXX year old women on XXXX that is confined to a XXXX XXXX under Coronavirus quarantine. These unreturned funds represent the majority of her assets and the banks negligence in returning these funds is jeopardizing her ability to pay for her room and medical care.
Product: Bank account or service

As per the included statements I emptied and closed my account ( # XXXX ) with TD Bank on the XXXX of XXXX 2016 in response to their inability to provide competent service. 
At that time I demanded that the account be closed immediately and was assured by the branch manager on site and the attending teller that this was the case. 
Post closing of the account I am being advised by TD Bank that there are charges against this account pertaining to the US-XXXX exchange differential. This check was deposited on XXXX XXXX 2016 in the amount of XXXX. 
This deposit was made, as I have always understood to be done, with and exchange rate differentials being applied at the time of deposit otherwise the transient exchange rate would not be applicable do to the variance over the deposit process interval. 
I believe this to be a clear demonstration of the gross incompetence of the this branch and possibly TD Bank in general. 
I spoke at length with the TD Bank Overdraft Collections Department ( XXXX ) who advised me that the problem originates with the TD Bank branch I dealt with and that resolution attempts must be directed to this branch. I withdrew all funds and closed my TD Bank account because of the incompetency of the people in that branch and the failure of their administration to recognize the problem. As such I see no reason to believe the people at this branch are any more competent now than they were XXXX/2016 when I closed the account and contacting them would be futile. 
For what it is worth the exchange rate on the day of deposit was approximately XXXX US/XXXX. . This is not accurately represented by the {$2400.00} depicted in the statement again providing an indication of the incompetency of this institution. 
It is and always has been my understanding that when an account is closed it is no longer subject to any further transactions. 
I seek your assistance in this matter and will refrain from any contact with TD BANK until I hear from you. 

Thank You, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n 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. 

XXXX Account # 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, has violated my rights. 

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.