23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to report an issue I have encountered with LVNV Funding LLC, C/O Resurgent Capital Services XXXX 

1. **What Happened** : I receive daily calls from LVNV Funding regarding alleged debts that I dispute. They claim that I owe the following amounts : - {$450.00} ( Opened on XX/XX/XXXX ) - {$470.00} ( Opened on XX/XX/XXXX ) - {$490.00} ( Opened on XX/XX/XXXX ) - {$720.00} ( Opened on XX/XX/XXXX ) I believe these debts are not valid. 

2. **Timeline of Events** : - **Date of First Contact** : Sometime in XXXX - I first began receiving calls from LVNV Funding about the debts . During one of these calls, I requested validation of the debts, as I do not recognize them. 
- **Ongoing Communication** : Since that initial call, I continue to receive daily calls from LVNV Funding demanding payment for these alleged debts, despite my requests for validation. 
- **Cease and Desist Letter** : On XX/XX/XXXX, I sent a cease and desist letter to LVNV Funding, requesting that they stop all collection activities until they could provide proper verification. 

3. **Amounts Involved** : The amounts claimed by LVNV Funding are as follows : - {$450.00} ( Opened on XX/XX/XXXX ) - {$470.00} ( Opened on XX/XX/XXXX ) - {$490.00} ( Opened on XX/XX/XXXX ) - {$720.00} ( Opened on XX/XX/XXXX ) XXXX. **Your Actions** : - I disputed the debts verbally with the representative during the initial call and followed up with written communication requesting validation. 
- I have kept records of all communications, including dates and summaries of conversations with LVNV Funding. 

5. **Response from the Company** : Despite my efforts to resolve this issue, I continue to receive daily calls and letters demanding payment. This ongoing communication has caused me significant stress and XXXX. I believe that this behavior violates the Fair Debt Collection Practices Act, as they have not provided the requested validation. 

XXXX. **Desired Outcome** : I would like LVNV Funding to cease all collection efforts until they can provide proper validation of the debts. I also request that they refrain from contacting me further, as I have already made my position clear. 

Thank you for your attention to this matter. I hope for a prompt resolution to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. XXXX XXXX XXXXXXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX Please delete these inquiries ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to have these collections removed LVNV Funding LLC {$1400.00} LVNV Funding LLC {$550.00} LVNV Funding LLC {$1700.00} LVNV Funding LLC {$3700.00} XXXX XXXX XXXX {$390.00} XXXX XXXX {$920.00}
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
1. there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX  XXXX Account Number : XXXX Delete this account. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX Account Number : XXXX Delete this account.
Product: Credit reporting or other personal consumer reports

In 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. 
Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX # XXXX, Account name : 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 an 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 that 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.
Product: Credit card

I made a payment on XX/XX/year> because my card was at it's limit. My bank account was debited on XX/XX/year>. As of today, XX/XX/year>, my credit limit has not been reset. I contacted the bank and I was told that for " large '' payments, their system has an automatic review process to confirm that the bank would release the funds. I was informed that the review process would end on XX/XX/year>. However, my bank has already released the funds so there is no reason to continue a review process.
Product: Credit reporting, credit repair services, or other personal consumer reports

File a Complaint against XXXX XXXX XXXX XXXX : submission succeeded Thank you. Your complaint has been submitted. 

Your complaint case number is XXXX. If you provided an email address, you will receive an email with a link to your case within approximately 48 hours. You may click here to print a copy for your records. XXXX  acts as an impartial third party between you and the business in an effort to resolve your complaint. 

Feedback from consumers is vital to XXXX. We appreciate your willingness to report this information to us. We look forward to helping you and the business work toward a resolution. 
I filed a complaint to Self with the XXXX  since on my Experian report and is not reporting correctly for my Self Secure Credit Card and is impacting my credit score lower than what it should reflect. I stated please provide Experian the updated Secure Credit Card limit along with credit usage. Attached is the incorrect reporting to Experian. Account XXXX I need someone to contact me from XXXX. XX/XX/2022 XXXX AM I received a Notice of Adverse Action My account was closed for no reason stating Description of Action Taken : Termination Account closed - unable to verify customer information. I have not been asked verify my account all my information is correct. I have been making excellent payment history on time never have been late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, accounts 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: Checking or savings account

This bank today unlike no day before has closed all my accounts this is horrible unreasonable unconstitutional its not fair I did nothing to them I was a loyal customer since 2016 they never had I had never given them any problems to let me go like this I was unable to login to my online banking and when I called I was treafnerfed to a dept risk which said my accounts were under pending closure review this is not fair unlike never seen before I asked for more information they would not give me a reason and said their sending a cashiers check I love Bank of America and dont appreciate them treating me like this I did nothing to them for them to shut me and my accounts like this and tell me that they dont want to do business with me anymore and that I can never have any deposit accounts with them anymore Im shocked and feel this is unreasonable to me i loved doing my banking with them but this is shocking for me to see and hear that I can not overturn this decision or open any new accounts with them now or the future totally unfair I feel Ive been discimaimted Ans their had been fraud in my name I am a victim of identity Theft
Product: Debt collection

Received a collection notice from Southwest Credit Sytems LP for a XXXX account unpaid with a total of {$200.00}. I called the credit company, and they could not give any information other than it is a XXXX account. Called XXXX and provided a fraud ticket. The only date is as of XX/XX/XXXX, and the collection letter dated XX/XX/XXXX is the first notice.
Product: Mortgage

I closed on my loan in XXXX of XXXX. My impound account had {$6300.00} deposited into it. every month balance was increased by XXXX. When 1st installment of taxes was due I paid it out of my checking account. I did the same for the supplemental taxes. See attached. On XX/XX/XXXX Summit Funding had a total of {$14.00}, XXXX in my escrow account which included an overage for property taxes I had paid out of my checking account. I should have a reimbursement from Summit Funding for the taxes that I paid. Upon logging in this week the balance was now {$4000.00} I requested an escrow analysis they did it and said no refund was due to me. She submitted and escrow research ticket for the lost {$10000.00}. I am worried this company can not manage my escrow.
Product: Debt collection

On XX/XX/XXXX at XXXX am allied collection services called and left a vm prior to XXXX. I also requested that they do not call this number as it is used for business. The original was paid in full and confirmed paid in full by the original merchant years before this was sent to collection. XXXX also threatened to sue for this collection and then proceeded with litigation in XXXX of 2024. They have contacted family friends and clients advising that I will be sued for this collection.
Product: Credit reporting or other personal consumer reports

These are all new credit inquiries that I did not authorize and have no knowledge of. 

XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXXXXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXXXXXXXXXX XXXX Inquiry Date XXXX XXXXXXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXXXXXX XXXX XXXX Inquiry Date XXXXXXXX XXXX XXXX Inquiry Date XXXXXXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXXXXXX XXXX Inquiry Date XXXXXXXX XXXX XXXX  Inquiry Date XXXX XXXX XXXXXXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXXXXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX Inquiry Date XXXXXXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX  Inquiry Date XXXX CAPITAL XXXX AUTO FIN Inquiry Date XXXX XXXX  XXXX  Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXXXXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX
Product: Debt collection

Debt not validated I contacted ERC to have them validate an unknown credit collection account ( XXXX # XXXX ) that I saw on my credit report. Upon asking them to validate the debt and send a signed copy of the contract with my signature on it they instead sent me a bill and documents related to the collection account but no signed contract from the original creditor
Product: Money transfer, virtual currency, or money service

PayPal restricted my account with not a great reason or with practically no substantial explanation. Im sure that I followed all their policy. It enormously influence my work in light of the fact that my supervisor send my compensation in my Paypal account. Trusting that they can reestablish my record back. Much appreciated! Here is my PayPal email XXXX.
Product: Credit reporting or other personal consumer reports

I wish to dispute the following information found on my TransUnion credit report. 
I was a victim of ID Theft. There are inquiries on my TransUnion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are : XXXXXXXX XXXX XXXX  and XXXX XXXX XXXX XXXX  TransUnion XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XXXX TransUnion XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion -XXXX Lumber, building material, hardware XX/XX/XXXX TransUnion XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XX/XX/XXXX TransUnion
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX  is trying to collect on behalf of XXXX XXXX for an unknown debt. XXXX XXXX has not supplied any proof of contract, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter 4 months ago. I disputed the item with them and the 3 credit bureaus. I have yet to hear back from any of them. It has been over 60 days since the initial dispute. By law, the maximum time to respond is 30 days. This negative account in the amount of {$240.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. This is a violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose XXXX XXXX Date of inquiry : XX/XX/2021 Please delete it from my credit report. 

2. This is a violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose XXXX Date of inquiry : XX/XX/2021 Please delete it from my credit report. 

3. This is a violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/2021 Please delete it from my credit report. 

4. This is a violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose XXXX XXXX Date of inquiry : XX/XX/2021 Please delete it from my credit report. 

5. This is a violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose JXXXX XXXX Date of inquiry : XX/XX/2021 Please delete it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

NAVIENT Balance Increased by {$3600.00} Between XXXX XXXX, XXXX and XXXX XXXX, XXXX, your NAVIENT student loan account balance increased by {$3600.00} from {$3800.00} to {$7400.00}. 

This has been reported to the XXXX and XXXX  and my student loans are in good standing and in income based repayment plans. This is the second increase they have reported in a month and no new loans have been taken out and I have payments of XXXX a month. I have called and they tell me they have not reported any new information.
Product: Payday loan

On XXXX/XXXX/16 at XXXX XXXX I received a call from XXXX at spot loan indicating my payment on XXXX XXXX 2016 had not cleared. I thought that this was a prank as I have been so sick with XXXX and had not received anything from the bank. went to the website and found out that XXXX was correct. I scheduled a payment for XXXX XXXX that did clear the bank. when I 'm speaking with him on that day I indicated that my pay period had changed and that next pay period will be XXXX XXXX and they would not to take out anything before then because I did not get paid until XXXX XXXX. he indicated that once that payment on XX/XX/XXXX he would call me back and get it arranged to have the the pay date as XXXX XXXX and then every two weeks. not hear anything from him and on XXXX XXXX upon checking my bank balance at lunch I noticed that they had already taken out another payment without my consent. Called back to spot loan immediately and they indicated that the supervisor would have to check the phone records of the recordings and come to a decision and and call me later. I did receive a call from XXXX the supervisor at XXXX p.m. she indicated I was correct that I had clearly stated that the next pay period was XXXX XXXX and that she would be refunding the money or I could leave the payment there and then I would n't have to make another payment until XXXX XXXX. indicated that this is going to overdraft my account for my rent check ( which it did and I was charged {$32.00} ) and that I needed the money put back in on Thursday. she indicated it was too late to get that done for Thursday but she would get it put back in on Friday. Friday no money being returned. Saturday at XXXX XXXX. I called and I talked to XXXX she indicated that there was no notes in the system from when XXXX to me. I said I did n't believe that but she said that they were n't going to do anything until they talk to XXXX. I said that if the money was not put back in my account that I was going to contact the XXXX and the Attorney general. She returned call back to me at XXXX XXXX. indicating that she wanted me to go to the bank and get the statement showing that the payment has cleared and they would put the money back into my account ASAP. went to the bank called her at XXXX after the bank had faxed the documentation showing that the payment had cleared I spoke to XXXX. XXXX indicated that he would send an email to XXXX so she would know that the fax had come through. did not hear anything all day and called back at XXXX p.m. again spoke to XXXX. XXXX indicated that he had spoken to XXXX and she indicated she had received the fax and XXXX indicated that they would review the facts and make a decision and v money would be in my account on Monday. still have not received any money back into my account and no communication from the company what so ever.
Product: Debt collection

I have an incorrect debt that has been reporting on my credit report for over a year that was paid by credit card insurance. Although the debit was paid it is reporting as not paid and the original creditor ( FingerHut ) sold it to another company ( Resurgent ). I have contacted both companies several times and submitted proof and the issue is still not resolved. It has impacted my credit and lifestyle as I have had to pay high percentage fees because of my credit score and not qualified for credit cards or loans. I have submitted proof to the creditors as well as the credit bureaus multiple times. None of which took any action to remove the fraudulent report. I would like to move forward with a complaint and legal action as well as to be compensated for the suffering of the fraudulent misrepresentation on my credit reports.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.