23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to address a matter of serious concern regarding a debt collection attempt made by LVNV Funding LLC, which I believe has resulted in a violation of the Fair Debt Collection Practices Act ( FDCPA ). 

On XX/XX/year>24, I discovered that LVNV Funding LLC reported a debt to XXXX or more credit bureaus without ever notifying me of the debt or providing me with proper instructions on disputing it. This action is a direct violation of the FDCPA, which mandates that debt XXXX must provide consumers with certain information before reporting a debt to credit bureaus. 

Specifically, LVNV Funding LLC failed to adhere to the following requirements under the FDCPA : 1. Notification of the Debt : Prior to reporting a debt to credit bureaus, debt XXXX are required to notify consumers in writing about the debt 's existence. However, I did not receive any such notification from LVNV Funding LLC. As a result, I was unaware of the debt until I discovered it on my credit report. 

2. Instructions on Disputing the Debt : The FDCPA also mandates that consumers be provided with clear instructions on how to dispute the debt if they believe it is inaccurate or incomplete. Unfortunately, LVNV Funding LLC did not provide me with any information on how to dispute the debt prior to reporting it to the credit bureaus. 

3. Timeframe for Disputing the Debt : Even if I had received notification of the debt, LVNV Funding LLC failed to inform me of the timeframe within which I could dispute the debt under the FDCPA. As a result, I was deprived of my right to challenge the accuracy of the debt before it negatively impacted my credit report. 

This failure to comply with the FDCPA has had significant adverse effects on my financial well-being and creditworthiness. I have been unfairly penalized due to a debt that I was not properly informed of and had no opportunity to dispute. 


Please be advised that I am prepared to take legal action if necessary to ensure that my rights under the FDCPA are upheld. I expect your prompt attention to this matter and a timely resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

During Covid I have never been late on any of my debt responsibilities, effectively I have decreased my monthly credit usage from 44 % to 9 % as of XX/XX/2021. Experian, XXXX, and XXXX continues to oppress my fico scores, Experian decreased my score by 1 % after I paid down my monthly debt. I submitted an dispute with XXXX over 45 days and never received any response. I feel as if Im being discriminated against by race and gender. When submitting my disputes I always send in a copy of my photo id to prove my identity. I worked extremely hard to increase my fico score, so I can obtain reasonable interest rates to purchase necessities. Also, either credit reporting agency never bothered to contact the company that determines the fico scores after my credit usage decreased to alert them of the decision to decrease my score. Credit usage makes up 35 % of my reporting fico score. Experian website says they recommend credit usage below 10 % is considered to be excellent. Im not being treated fairly with neither credit reporting agency concerning my restoration of establishing credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

When I applied for a credit card I decided to check my credit report and I see a significant amount of unauthorized inquiry 's on my report. The following unauthorized inquiry 's are : EQUIFAX MORTAGE SOLUT. Which is not even connected to an open account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

They have contacted me harassing me spamming me thats a violation I want all these items removed immediately that even belong to me The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system
Product: Debt collection

Recovery Management Solutions has contacted another member of my household more than once. According to the Fair Debt Collections Act, they can only do this once. They have left more than one voicemail to that same person. I also do not have any written documentation of the debt that I allegedly owe to RMS, or a confirmation that I have an obligation to pay it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out this company serval times explaining that this bill has discrepancy and also does not belongs to me. They have yet to provide any documentation or information to guide me in the direction to have this removed from my credit report immediately.
Product: Debt collection

Have been receiving phone calls for months from this Company. They call asking for someone who is not related to my phone number. I have told them repeatedly, repeatedly that I do not know the person they seek, and after several calls asked them to stop calling my phone. I was told on more than two occasions that they would stop calling, but I continue to receive their harassing and  threatening calls. Calls state some kind of complaint action filed. When I would ask for specific information or ask to speak to someone in charge I always get some kind of smart-alec attitude and then they hang up on me. I should not have to become extremely angry to get someone to pay attention to the fact that they have an incorrect phone number and are calling and harassing someone that knows absolutely nothing about the person or the debt they are asking about. This is absolutely outrageous that these people are allowed to continue this kind of unnecessary intrusion into innocent bystanders lives. These unscrupulous businesses should be fined or caused to cease this activity. Better yet, give me their home phone numbers so that I can return their unkindness and call them continually for months harassing them about something they know nothing about. They call using these different phone numbers, to camouflage who is calling, so people can not even know how many countless times they have been harassed. This company should have their phone service discontinued!
Product: Debt collection

To whom it may concern, This is a formal request to remove, and delete the following inaccurate account from my credit report : XXXX ACCOUNT # XXXX The XXXX ACCOUNT # XXXX being furnished to the credit bureau is being disputed as I am a victim of identity theft. Credit reporting laws require collectors, and credit bureaus to only report accurate credit information. I have no knowledge of this fraudulent entry on my credit report. I have never opened any accounts with the account number listed on my report. I have never opened an account on the date referenced on my credit report associated with this account number. Per the Illinois Collection Act, 225 ILCS 425/9.4, ( a ) Upon receipt from a debtor of all of the following information, a collection agency must cease collection activities until completion of the review provided in subsection ( d ) of this Section : ( 1 ) A copy of a police report filed by the debtor alleging that the debtor is the victim of an identity theft crime for the specific debt being collected by the collection agency. ( 2 ) The debtor 's written statement that the debtor claims to be the victim of identity theft with respect to the specific debt being collected by the collection agency, including ( i ) a Federal Trade Commission 's Affidavit of Identity Theft, ( ii ) an Illinois Attorney General ID Theft Affidavit, or ( iii ) a written statement that certifies that the representations are true, correct, and contain no material omissions of fact to the best knowledge and belief of the person submitting the certification. This written statement must contain or be accompanied by, each of the following, to the extent that an item listed below is relevant to the debtor 's allegation of identity theft with respect to the debt in question : ( A ) A statement that the debtor is a victim of identity theft. ( B ) A copy of the debtor 's driver 's license or identification card, as issued by this State. ( C ) Any other identification document that supports the statement of identity theft. ( D ) Specific facts supporting the claim of identity theft, if available. ( E ) Any explanation showing that the debtor did not incur the debt. ( F ) Any available correspondence disputing the debt after transaction information has been provided to the debtor. ( G ) Documentation of the residence of the debtor at the time of the alleged debt, which may include copies of bills and statements, such as utility bills, tax statements, or other statements from businesses sent to the debtor and showing that the debtor lived at another residence at the time the debt was incurred. ( H ) A telephone number for contacting the debtor FCRA section 609 ( e ) states that businesses must comply with the law when notified of possible identity theft. Please investigate this matter thoroughly
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on XXXX XXXX XXXX   XXXX for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Product: Debt collection

XXXX, XXXX. File XXXX Account Information : Account name : XXXX COLLECTIONS Account number : XXXX Original creditor : XXXX XXXX XXXX IN CO. 
Date opened : XX/XX/2021. 
Payment status : Paid. 

Hello my name is XXXX, XXXX was a collection from XXXX reported to my credit that I was unaware of. It is for an XXXX auto insurance policy I terminated in XXXX. Allegedly there was some unpaid balance on the account which I never received communication regarding. 

I believe this is because the policy is to an address I do not currently reside at and is also not listed on my credit file ( XXXX XXXX XXXX XXXX ), even though they had my new address. I proceeded to call XXXX XXXX insurance who admitted this mistake. I then got notice form XXXX insurance by email from XXXX XXXX XXXX stating if I pays, theyll instruct Credit Collection to remove the account from the credit report, since I was billed incorrectly. 

I then paid the account off and then after I called both XXXX and the collection company, I was told that they will not remove the account from the credit report. 

( SEE ATTACHED EMAIL CHAIN WHICH PROVES I WAS TOLD ACCOUNT WILL BE DELETED IF I PAID )
Product: Credit reporting, credit repair services, or other personal consumer reports

Wife & I called XXXX XXXX, ( XXXX XXXX XXXX - XXXX, VA XXXX ( XXXX ) XXXX ), couple of months ago about a hard inquiry, which we of course understand that it was because of accounts we opened through them. however as it should drop our XXXX XXXX " a few points '', mine, through XXXX dropped a whopping XXXX POINTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts and their respective creditors are in direct violation of the FRCA laws put in place to protect me as a consumer in this country. I have contacted by phone, and mail addressing my concerns regarding these fraudulent accounts formed as a direct result of identity theft, and there was no response or solution given as far as rectifying my issues is concerned. Please see below the accounts/creditors referenced above. XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX XXXX XXXX  XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX XXXX XXXX XXXX Acct No. : XXXX Below are the following US Code violations these entities have committed. 16 CFR 681.1 ( 2 ) ( iv ) 16 CFR 660.4 ( b ) ( i ) 16 CFR 660.4 ( b ) ( iii ) 16 CFR 660.4 ( d ) ( 1 ) 16 CFR 660.4 ( e ) ( 1 ) 16 CFR 660.4 ( e ) ( 2 ) 16 CFR 660.4 ( e ) ( 3 ) 16 CFR 660.4 ( e ) ( 4 ) 15 USC 1681 ( i ) ( 7 ) states that the consumer reporting agency shall provide to a consumer a description referred to in paragraph by not later than 15 days after receiving a request from the consumer for that description. 15 USC 1681 ( i ) ( 8 ) states that the deletion of the information should also come within 3 business days, and 15 USC 1681 ( i ) ( 8 ) ( a ) states that I must be informed by telephone of the deletion, which would show this bank is in direct violation. As Ive yet to be contacted via phone by any of these entities and they continue to report fraudulent accounts to my consumer file.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Product: Credit reporting

Equifax is reporting an incorrect balance on one of my accounts. I sent them a dispute letter on XXXX/XXXX/XXXX including proof consisting of a notarized AFFIDAVIT OF DEBT signed by an employee of the creditor. Equifax did not respond to my dispute. On XXXX/XXXX/XXXX, 50 days after I sent the first letter I sent Equifax a 2nd letter notifying them that the 30 day time limit for responding to my dispute was up and that they were now required to delete the account in question. On XXXX/XXXX/XXXX I received their response saying that they have updated the account. They still listed the incorrect balance, but more importantly, their response was too late - it was dated XXXX/XXXX/XXXX which is 68 days after I mailed my initial dispute. The FCRA section 611 ( a ) ( 1 ) ( A ) clearly allows only 30 days for their response. They must DELETE the account. They have failed to do so.
Product: Student loan

My loan began with service by Sallie Mae. Later the loan was sold to XX/XX/XXXX and again later to Navient. The loan was taken out on XX/XX/XXXX. I began paying on the loan after graduation in XX/XX/XXXX. I have been paying on the loan for eleven years and the balance seems to not be going anywhere. The main issues is that in XX/XX/XXXX, I asked Navient for a history of the declining balance. What they provided me did not show payments I had made from XX/XX/XXXX - XX/XX/XXXX as credited to the balance history. This is more then $6,000 in payments. After noticing this, I worked with my bank to obtain proof of these payments. I called Navient and told them of the issue and faxed the cancelled checks to them. Navient sent me an email response stating that since the payments that are not showing on the loan history was when the loan was serviced through XX/XX/XXXX that I would need to contact XX/XX/XXXX. I tried to find contact information fromXX/XX/XXXX. Since my loan was sold to Navient, I no longer had access to my XX/XX/XXXX account online. The website has no phone number or way to reach XX/XX/XXXX. I finally found a phone number for what I thought was XX/XX/XXXX to find it was out of service. I believe there are other payments from earlier in the loan that were not applied to the balance but my bank is unable to go that far back for records. For now, I ask for your help in moving forward with what proof I have of payments to find a resolution to this problem. Any help you can provide for me would be more than appreciated.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX XXXX put in a loan to Greensky where they had Greensky automatically send loan money to them without my permission and without me signing off on a job that was never completed. I took out a resolution with the company where I was given a resolution case number and told they would talk with both parties and get a resolution. I was then never contacted so called Greensky using my resolution case number was told they were talking to XXXX and would get back to me. Then my account was put on hold with a XXXX payment. Then two months later they I check my account to see the payments have already started back despite never beening told anything. I see they have a XXXX dollar interest charge on top of this. I call Greensky to see what the resolution was when they inform me they talk to XXXX and they had finished the job when XXXX had not even called or came to my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I have an authorized user account with XXXX XXXX that is only reporting to XXXX and not Experian, or XXXX.
Product: Vehicle loan or lease

Lease account was paid in full and closed in XX/XX/XXXX, as can be seen on credit report. XXXX XXXX reopened account in error in XX/XX/XXXX. Tried working things out with XXXX XXXX directly, after which they assured that my credit score would not be affected as the account was reopened in error. The following month, the account appeared on my credit report as 120 days past due. At that point, contacted XXXX XXXX again, at which point they assured that they 'd fix the issue quickly on their end. After another 8-9 months of no change, I submitted a dispute through Transunion in XX/XX/XXXX. The Investigation was completed and resulted in the disputed information being updated and corrected on my account on XX/XX/XXXX. On XX/XX/XXXX, I received an alert from my credit monitoring service, stating that the account had been reposted as delinquent by XXXX XXXX. Currently on hold with XXXX in figuring out the easiest way to, once again, get this corrected.
Product: Mortgage

I have a line of credit /home equity with Wells Fargo . Back on XXXX XXXX I received a letter that my pmt may change in XX/XX/XXXX. It stated that the est pmt may be {$500.00} and in small print it stated that this was an estimate only and that I should call for a more detail clarification of my new est pmt. I did call on XX/XX/XXXX at XXXX MST and spoke with XXXX XXXX she specifically calculated what my new pmt will be and came up with {$220.00} p/m - I asked her why in the letter it said {$500.00}? she told me not to worry it was only an estimate as the letter stated but my real pmt was going to be {$220.00}. Before my pmt was interst only about $ XXXX p/m but I was sending about XXXX per month so it did not appear to be a fin prob for me. As of XXXX and eevry month since I have paid them {$250.00} on time every month and they suddenly kept increasing my " past due amount another {$250.00} more per month. They increased my pmt to {$500.00} per month. I contacted them and file a dispute with them and asked them to escalate it and correct it as this is not waht I was told by them. I actually talked to XXXX XXXX on XX/XX/XXXX and before I explained the whole situation he also calculated for me the same pmt of {$220.00}. Wells Fargo never took resp of the bad info they provided me ( 2 diff.people ) and they claim that it was a mistake but they will not correct it for me. I have been calling them since and complaining and they wont help me. I just checked my credit score today and it has gone down from XXXX in XXXX to XXXX!! because of the reporting of WF. It is affecting my credit and I ad a very good score. I need help with WF I will attach all of my notes as I have done everything I can with them and they wont help me even though they admit they made a mistake. They want me to do a loan modification which will affect my credit even though I have not done anything wrong and for years I never missed a pmt and always I sent more than the min. I also have in the same house a 1st mortgage with them and I have never been late. The lasy time I spoke with them on XX/XX/XXXX with XXXX XXXX at XXXX x XXXX at XXXX mst I asked her to escalate the issue and she told me that GT at extension XXXX was going to contact me in less than a week - as of now XXXX XXXX I have not heard back from anyone at WF evrytime I try to call its a nightmare to speak with them and I have to explainthe whole thing thing over and over and they just give me the run around. 
please help me