23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to formally lodge a complaint against Resurgence Capital and LVNV Funding regarding the persistent and unlawful attempts to collect a debt that is not mine. I request the intervention of the Consumer Financial Protection Bureau ( CFPB ) to rectify this situation and halt these inappropri

ate collection activities. Details of the Complaint : 1. Debt Collectio
n Contact Violations : Resurgence Capital an

d LVNV Funding have repeatedly contacted me regarding an alleged debt, despite my clear communications indicating that the debt is not mine. This continuous contact is in direct violation of 15 USC 1692c, which outlines that a debt collector may not communicate with a consumer if the consumer has informed them that the debt is disputed or if the consumer has requested the cessation of communication. 2. Failure to Validate
Debt : Upon initial contact from Resurgence Capital and LVNV Funding, I promptly requested validation of the debt, as is my right under 15 USC 1692g. Despite my request, they have failed to provide any substantive proof that the debt in question is indeed mine. This failure to validate the debt is a clear violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ).

Specific Violations Cited : 15 USC 1692c ( c ) : Communication in connection with debt collection - Ceasing communication. Resurgence Capital and LVNV Funding continued to contact me despite my request to cease communication.

15 USC 1692g ( b ) : Validation of debts. Resurgence Capital and LVNV Funding failed to cease collection of the debt until they provided proper validation of the debt, which they have not done. 
Remedial Actions Requested : An immediate cessation of all communications from Resurgence Capital and LVNV Funding regarding the alleged debt. 
A thorough investigation by the CFPB into the practices of Resurgence Capital and LVNV Funding to ensure compliance with the FDCPA and other relevant regulations. 
The removal of any negative credit reporting related to this alleged debt, as it is not mine and has not been validated. 
Confirmation from Resurgence Capital and LVNV Funding that they will no longer pursue this debt from me in any capacity.

I have enclosed copies of all correspondence related to this matter for your review. This includes my initial requests for debt validation and any responses received, or lack thereof, from Resurgence Capital and LVNV Funding.

Thank you for your prompt attention to this matter. I trust that the CFPB will take the necessary actions to protect my rights and ensure that these companies adhere to the legal standards set forth under the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. Please update for lawful accuracy. Otherwise, update ASAP. Below are the inaccurate items : Late Payment XXXX # XXXX XXXX XXXX  # XXXX XXXX  # XXXX Collection XXXX/XXXX  # XXXX XXXX # XXXX XXXX  XXXX # XXXX XXXX  XXXX # XXXX XXXX  # XXXX No Category XXXX # XXXX
Product: Credit reporting or other personal consumer reports

To ensure that your company is reporting accounts 100 % accurately, I would like to know the procedures used to investigate these inaccurate accounts. Did you even conduct an investigation because it is still not reporting 100 % correctly? 

Its sad that your company would ignore the FTC guidelines in regard to your investigation efforts. I wonder if other consumers are being affected by your lack of investigation. I would like to know to whom you talked with at the collectors office when you started your investigation? Also, please send me their complete address. In addition, please do not send your template letter on how you conduct an investigation. I want details on how you did this. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Bankruptcy XXXX XXXX Docket Identifier XXXX.
Product: Credit reporting or other personal consumer reports

My husband and I checked my XXXX XXXX XXXX on XX/XX/2024 to find that it was significantly lower than expected. I looked at the details of my credit report to find that there was a delinquency for a missed credit card payment. I contacted my credit card company ( XXXX ) on XX/XX/2024 to inquire about the missed payment because I had no recollection of missing a payment. They confirmed that they never filed a delinquency on my account. I created an account with Experian to look at the XXXX  report there and file a dispute, and when I looked at the XXXX  report, it said that there was an adverse account with XXXX XXXX XXXX XXXX The account as an address that is a XXXX XXXX XXXX XXXX, XXXX  I did not create that account. 

I filed a dispute with XXXX on XX/XX/XXXX, Experian on XX/XX/XXXX, and XXXX, and XXXX XXXX on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding inaccurate and unknown items notated on my credit report. As of today, approximately 50 days later, I have not received a response. I feel like I am being taken advantage of, my disputes are being ignored and my rights are being violated. In Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a legitimate reason to immediately remove those items from my credit report. It has actually been well over 50 days ; therefore, those items should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress and mental anguish caused. My information was also impacted by the Equifax data breach and may have found its way into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX, XXXX XXXXDate of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNTS ON MY REPORT DO NOT APPEAR TO BE MINE
Product: Vehicle loan or lease

Oh XX/XX/2020 I contacted Lexus Financial for assistance with my vehicle. I was told by the representative that they could do an extension for XXXX and XXXX which would make my next due date XX/XX/2020. The representative stated that she would have no trouble getting this approved and placed me on hold. When the representative came back to the line she stated that the extension was not approved and was unable to provide me with an explanation as to why. I was provided with false hope. I asked for a Supervisor and spoke with XXXX who ID himself as a supervisor. XXXX repeated what the representative and was unable to provide me with any explanation. I feel that I have been financially discriminated against due to my Bankruptcy. Everyone needs of assistance during this time when our nation is experiencing a pandemic. XXXX could not answer my question as to if I miss a payment will my vehicle be repossessed. I need my vehicle and I need assistance my husband has XXXX XXXX and that is the only vehicle used to get him back and forth to treatment. Not to mention I have to keep the medical insurance for my husband and myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts in my report are reported inaccurately. The balance and dates are wrong, accounts still reported when should be gone long ago.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX Washington , DC XXXX Subject : Complaint Against TransUnion for Violating FCRA Dear CFPB, I am writing to formally file a complaint against TransUnion for violations of the Fair Credit Reporting Act ( FCRA ). My complaint is based on their failure to report accurate information in my consumer report. 

On XX/XX/year>, I mailed my dispute to TransUnion regarding inaccurate reporting of my car loan with XXXX XXXX XXXX ( XXXX  ). As of today, XX/XX/year>, it has been over 30 days, and I have yet to receive a satisfactory resolution. This inaccurate information has been present in my consumer report for over a year. 

I have maintained communication with XXXX  about the status of this account and possess all supporting documentation to substantiate my claims. Additionally, I have a transcript of my conversation with XXXX  confirming that my account was never reported as a charge-off. 

I would like to draw your attention to the following provisions of the FCRA that support my request : - **15 U.S. Code 1681s-2 ( A ) ( 1 ) ( A ) ** states that 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. 
- **15 U.S. Code 1681e** mandates that Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. 

It is my belief that TransUnion and other credit bureaus are not maintaining reasonable procedures as required by law. 

I kindly request your assistance in ensuring that this inaccurate account is removed from my consumer report. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely,
Product: Credit reporting or other personal consumer reports

Actions : Wrongfully received Hard Inquiry on Credit from XXXX XXXX  XXXX saying Credit card is opened on XX/XX/year> but I don't have any XXXX credit card in reality. Also tried to dispute with Experian but the dispute report still says that it " Remains '' open. Tried contacting and talking to XXXX bank but they can not find any account with my name/ssn and hence not trying to help. It is a wrong information on my account and it's pulling my credit down. 

Companies involved : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) - Experian Dates : - Credit card opened on XX/XX/year> Amount : - Credit card has limit of {$2200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts that are not mine and i want them to be removed from my credit report. 

1. Identity Theft PNCBANK Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The Items I need deleted are listed in the report. I am a victim of Identity theft and did not make the change. I ask that the items be deleted to correct my credit report. I reported the theft of y identity to the federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's identity Theft Affidavit. Please Delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Accounts : - XXXX XXXX XXXX # XXXX - XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - 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
Product: Credit reporting, credit repair services, or other personal consumer reports

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. XXXX  XXXX {$120.00}
Product: Money transfer, virtual currency, or money service

Someone gained unauthorized access to my PayPal account. They added their own email address, phone number, and bank account to my PayPal and then initiated a transfer from my bank to theirs for the amount of {$830.00} on XXXX XX/XX/year>. I saw this transaction on my bank account on XXXX XX/XX/year>. I notified my bank and PayPal that this transaction was fraudulent. My bank determined the transaction was fraud and refunded me the money. PayPal is insisting that it was a legitimate transaction, adjusted my PayPal balance to - {$830.00} and is trying to make me pay the {$830.00}. I disputed this with PayPal. They have repeatedly denied my claim and have now sent my account to a collections agent. PayPal has provided conflicting information about the status of my account and the status of my cases. They have not responded to my request for additional information about their investigation and how they supposedly determined that the transaction was legitimate. Their latest claim is that the changes made to my account ( the addition of the new email, phone number and bank account ) were unauthorized, but the transfer of {$830.00} to the individual who made the unauthorized changes is legitimate.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information that appears on my consumer report maintained by your agency. The inaccurate information pertains to the account type, account status, date opened, and payment status and it is adversely affecting my creditworthiness and financial standing. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information reported by consumer reporting agencies. Upon reviewing my credit report, I have identified the following discrepancy : XXXX XXXX Acct # XXXX -Account type innacurate. 
-Account status innacurate. 
-Date Opened inaccurate. 
-Payment status innacurate. 

I request that you investigate this matter in accordance with the FCRA guidelines. Please delete or correct the inaccurate information from my consumer report as soon as possible. Enclosed with this letter are copies of documents that support my dispute. [ If applicable, provide any supporting documents such as payment receipts, letters from creditors, etc. ] I kindly ask that you promptly conduct a thorough investigation into this matter and notify me of the results within 30 days, as stipulated by the FCRA. If you find that the information is indeed inaccurate, please remove it from my consumer report and provide me with an updated copy of my corrected report. 

I appreciate your prompt attention to this matter and your adherence to the legal requirements outlined in the FCRA. I trust that you will handle this dispute with the urgency and accuracy it deserves.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are reporting this collection as an OPEN ACCOUNT which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.
Product: Checking or savings account

On XXXX XXXX I was at work and when I got off to leave to go home my vehicle had been broken into. My backpack with numerous items have been stolen. Most importantly I had my wallet in there with a lot of important documentation. From XX/XX/XXXX to XX/XX/XXXX I have numerous unauthorized transactions take place as well as unauthorized atm withdrawals from my discover bank account. I had no idea my funds were being stolen due to there security messages not notifying me. Every time I use my debit card it always declines first use and sends me confirmation to my cell phone if it is authorized or unauthorized. And I respond yes or no then it tell me to try again onces confirmation that it is me using my card. I have not received 1 message from my bank as my card was being wrongfully used. I notified them and even uploaded a police report of the incident from the date to the times to the whole situation that transpired. They have denied me several times and have been rude to me and i have followed every instruction they have gave me to follow in order to go about disputes. It was about XXXX $ in unauthorized transactions as well as XXXX $ in unauthorized ATM withdrawals and thats a lot of money to just be victimized of and not be able to have any help or resolution to reimburse any of it. I have been nothing but honest and respectful the whole entire time and they just seem to not be able to have any compassion or understanding that I was a victim of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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 XXXXXXXX
Product: Debt collection

National Recovery Agency ( NRA ) opened a collection account under my name. They reported this account to XXXX  before sending me any bill. I called them and they said the debt is valid. 

I contacted NRA by mail ( right address is here https : //www.nragroup.com/contact.html ) to validate the debt, but they failed to respond me within 30 days. I attached the proof ( the certified mail receipt and the letter ). If the debt is valid why they don't answer my mail?
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX my vehicle had a total loss I made the payment for the month of XXXX but in the month of XXXX the insurer told me that it was going to answer for my car not to make any more payments so I did not make the payment in XXXX on XX/XX/XXXX, the insurance company sent the check on XX/XX/XXXX, but the company where I had my credit threw the check away, so they made me pay the XXXX fee. In XXXX, the check did not appear and the insurance company issued another check for On XX/XX/XXXX, they already had this check, my quota expired on the XXXX of each month, so on XX/XX/XXXX, after I had called the day before, and the people who answered me said that I had 10 more days until the check arrived. Just like that, they reported me and they lowered my credit by XXXX points and the check was cashed on XX/XX/XXXX and they reported me and my husband on XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After looking over my credit report, I noticed two 30-day late payments that were supposed to be removed from my mortgage account with XXXX XXXX XXXX # XXXX. The dates are XX/XX/2020 & XX/XX/2020. My income was affected due to the COVID-19 Pandemic SHUTDOWN. This late mark is preventing me from many potential opportunities. There are certain laws put in place to protect everyone for unforeseeable events such as the current national disaster. I was under the COVID-19 SHUTDOWN. The CARES Act calls these agreements accommodations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.