23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, I have taken a look at my credit report and notice several inaccuracies and wrongful reporting with a 3rd party debt collection company named LVNV FUNDING. They are reporting a debt stating that I owe them {$420.00}. I have never conducted business, signed a contract or agree with any terms with them. I sent them a debt validation on XX/XX/2023 certified mail asking them to provide me documentation of the debt they claim that I have with them. I NEVER had a contract with them. I never gave them permission to report anything on my credit report. They stated they are collecting a debt from a company named XXXX XXXXXXXX XXXX XXXX XXXX. They sent documents to me that is pointless and didnt prove anything. They didnt send anything with my signature, they didnt send a contract, they didnt send anything besides a print off of some statement. To make matters worse, another company that they are working with called RESURGENT CAPITAL SERVICES sent me these papers on behalf of LVNV FUNDING. Im confused at this point because it seems like this company is all over the place and cant provide any documentation and my information is getting passed around on this CLAIM DEBT. If they purchased debt from XXXX XXXX XXXX XXXX XXXX, that has been written off that is illegal. They lied about investigating it and not removing it from my report is noncompliance with the FCRA laws. They are furnishing information without my written consent. When I was looking at my credit report they are reporting information wrong across ALL THREE BUREAU. XXXX entitled to a 100 % accurate credit report. 
XXXX XXXX and XXXX is reporting the collection account OPEN and XXXX is reporting it as closed. How is this possible? How can a collection account be OPEN? FCRA violation 2nd XXXX is reporting this account as being Late 120 days for the payment status. How is a charge off collection still reporting a late payment status? FCRA violation. 
3rd XXXX and XXXX is reporting a PAST DUE balance. Charge off collections shouldnt be reporting past due balances. Correct? FCRA violation 4th Why isnt the original creditor listed on XXXX and XXXX? 
5th The dates of last activity, date reported and date open has different dates all across the board.

6th The document of the claim debt they sent me the account number doesnt match on my credit report.

I can list several reasons of the inaccuracies of this account. As a consumer this is slandering and Im entitled to a fair accurate credit report by law. I know my rights. Im demanding for this to be removed from my credit report. Im also attaching evidence to support my claims. Please see the attachments.

In accordance with the Fair Credit Reporting Act LVNV FUNDING has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. There shouldnt be damages on my credit report. Its a defamation to my character.

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 consent.

15 U.S.C 1681g
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX Date opened XX/XX/2017 Balance {$150.00} XXXX XXXX Date opened XX/XX/2017 Balance {$0.00} XXXX XXXX XXXX Date opened XX/XX/2017 Balance {$0.00} XXXX XXXX Date opened XX/XX/2017 Balance {$120.00}
Product: Debt collection

These people have been calling for about 10 years looking for a XXXX XXXX, y name is XXXX and I do not know a XXXX XXXX.
Product: Credit card or prepaid card

purchase a bus ticket online around the first week of XX/XX/2018 at XXXX. The ticket was for a family member who intended to travel to California. However, upon arriving at the bus station. My nephew was informed that in order to receive the ticket He would have to provide Identification which he lacked at the time. He inquired about a refund.However, since I made the purchase he was told the refund would be made to the person that purchase such ticket. In such case, I e-mail XXXX but with no luck. Since they fail to reply i decided to contact the credit card company, the one used to complete the online purchase. I filled a dispute and was temporarily issued a credit on XX/XX/2018, which was charged back to my card on XX/XX/2018.According to citi banks they were advised by XXXX that the purchase ticket was non-refundable.However, when my nephew first inquired about a refund there was no mention of the ticket being non-refundable. Instead he was told It would be credited back to the purchasing party. Furthermore, there was no service rendered nor was there any mention of the ticket being non-refundable. Also consider the fact that price I paid for the ticket was at least 30 % higher compared to other bus ticket to California.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my THIRD complaint through this agency. I have sent off several certified notarized letter to Experian, advising them to remove unverified information on my credit report. They are REQUIRED BY LAW to have a copy of my contract with MY WRITTEN SIGNATURE ON FILE AT ALL TIMES. They do not have a copy of a contract with my written signature on file for the items I have listed. They have been and CONTINUE TO BE IN VIOLATION OF FEDERAL LAW. This is a copy of my final letter sent to all three companies. NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. Despite three written requests, the unverified items listed below still 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 investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that 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 ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. There are three of the same items on each credit report that has not been removed. they are in violation of the law and have refused to removed those items even after being made aware of their violation. they do not have any documents on file with my original signature as verification of my alleged debt and they have not sent me any copies as proof. 

XXXX has already removed ( XXXX XXXX XXXX ) because they were in Violation of the law. They are in the process of removing the rest. Comply with the law. This will be used as a record against you in court.
Product: Student loan

Hello- I was approached by a company- SLFD Processing ( Student Loan Forgiveness Discharge ) to enroll in a permanent loan forgiveness/discharge program. I was told that if I made XXXX consecutive payments of {$140.00} that after 10 years, all of my loans would be forgiven. Now I'm discovering that this company is no longer around as it must have been a scam and the Federal Gov't has closed them down. So I'm stuck with all of this student loan debt that I was told would be forgiven!!! I'm a teacher and I barely make enough monthly to get by so now having to start paying this debt back???? I'm so nervous about all of this, can't the Federal Gov't provide the Deferment of Forbearance program for this??? They told me I had to work with you since the loans have all been transferred to you now. Can you please advise a way to see how I can possibly get these loans forgiven and my money back from my payment for this scam??? Thank you very much! 

The total amount of my loans is almost {$23000.00}. This may seem like nothing to you however it's alot for a new teacher. 

PS- I'm going to try and upload the forms they had me sign! 

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

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo0 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist accounXXXX 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

Multiple dates, and times in the past beginning in XX/XX/2021 I've contacted TransUnion to dispute an incorrect, false, and as well as unverified account listed on my credit report as a Bankruptcy. TransUnion has provided little to no information in regards to this account. TransUnion is also reporting this so called bankruptcy on my credit file/report by listing little to no information at all. I've contacted TransUnion by phone and by mail inquiring about the source of this Bankruptcy they are reporting to my credit file, and TransUnion continues to provide me with false information as to where and how TransUnion verified this Bankruptcy as if their intentions are to cause extreme distress and harm to me. On XX/XX/2021 I sent a Method Of Verification Letter to TransUnion via certified mail questioning the process TransUnion used to verify this Bankruptcy, and who is furnisher of the verification of the Bankruptcy they're reporting to my credit file. The law states that TransUnion has 15 days to respond to my request, explaining all of the information requested in the Method Of Verification Letter to prove that the Bankruptcy TransUnion is reporting is in fact accurate on all points and every aspect possible. It has been well passed 15 days being that today is XX/XX/2021 and TransUnion has not responded to the Method Of Verification Letter questioning this Bankruptcy I sent via USPS certified mail on XX/XX/2021. I contacted TransUnion by phone to inquire about this issue, and I was told by a TransUnion agent that they are not required to respond to any Method Of Verification Letters per their policy. I then asked to speak with a TransUnion Supervisor, the agent placed me on hold then disconnected the call without remorse. I called TransUnion the very next day and I was told by an Transunion agent that they had no records of my calls and that I could not speak with a manager due to a shortage in staff. TransUnion has caused my family and I heartache, and an extensive amount of stress by purposely disregarding the law that protects me from this situation, as well as the law that governs TransUnion as a company. TransUnion 's inaccurate reporting of this Bankruptcy as well as their disregard to the law is causing my family to have to seek help/assistance for housing. XXXX, as well as XXXX have already deleted and removed this inaccurate Bankruptcy off of my credit file due to the account being unverifiable and false. TransUnion is the only credit reporting agency still reporting this unverifiable account. To prevent any further harm to my family I am requesting TransUnion to remove this Bankruptcy immediately.
Product: Debt collection

I XXXX XXXX, formerly XXXX XXXX have been contacted by Hewitt Capital LLC a company that claims to have bought my Debt from XXXX XXXX XXXX, who bought the debt from XXXX XXXX XXXX. I did take out this loan from XXXX XXXX and fell on hard times and could not pay the debt on time. I have made efforts to make as many payments as I could with XXXX before they sold the debt. Hewitt Capital in their communications which I have recorded is claiming to be XXXX XXXX XXXX  XXXX but the company name is Hewitt Capital LLC as registered with the XXXX XXXX XXXX. I have attempted to get verification of the debt and was given an email attachemnt with a letter to a previous address that I had stating only the original account number the original creditors name and the amount due. I sent an email return asking for more info in the form of the loan documents to verify. The XXXX has an alert on the company stating they could not provide all the Bonding and exemptions for states they claim to collect in. I also did more research and found numerous consumer complaints of this company and this was why I asked for more verification from them. They still have yet to provide in my opinion adequete proof they are who they say they are. In addition the company has threatened to file suit on me if I do not contact them by the end of the business day which according to them is XXXX XXXX XXXX time. According to the XXXX the company is based in XXXX XXXX but calls to my phone have been from a XXXX number. To this time the company has been bullying and used extreme tactics even though they have only had this debt for a few months. In addition the company has kept extending their dead lines on when they intend to file suit twice so far. If you could please possibly get back to me my number is XXXX with advice or if this company is legitimate. I am very concerned and have only been attempting to protect my self from fraud. lastly I did make an offer to pay the company a minimum of XXXX $ per month in addition to their XXXX $ processing fee and was told they could not accept that amount. They did make the claim they would put in for hardship and make a good reccomendation to the Judge for me. With all the infromation I have so far I do not feel comfortable handing out my information to these people fearing a scam or fraud. Any help in this matter would be greatly appreciated. Thank You and have a wonderful day
Product: Credit reporting or other personal consumer reports

I am contacting you regarding fraudulent personal information falsely linked to my identity. Unauthorized accounts and transactions have been wrongly attributed to me, causing significant distress. I am a victim of identity theft and have already reported this incident. 

This situation has severely impacted my financial standing and personal reputation. I urgently request your immediate assistance in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I stand ready to provide any necessary evidence to support my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM NOT A AUTHORIZED USER ON THIS ACCOUNT XXXX XXXX XXXX  XXXX Late Last Updated : XX/XX/XXXX Credit Usage You're currently using XXXX XXXX of your credit limit. 

XXXX XXXX ( Stay below ) XXXX XXXX  Account Information Account Status Open Account Type Credit Card Date Opened XX/XX/XXXX Credit Limit {$1000.00} Keeping your credit usage below 30 % will keep you in good standing with lenders and may lower the impact to your XXXX XXXX. 

Payment Information Payment Status Late 90 Days Past Due Amount {$470.00} Highest Balance {$1700.00} Monthly Payment {$120.00} Times XX/XX/XXXX days late ( Last 7 years ) XXXX Additional Information Responsibility Authorized User Terms XXXX Remarks Account information disputed by consumer, meets FCRA requirements Creditor Name XXXX XXXX Creditor Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX ( XXXX ) XXXX {$1600.00} XXXX XXXX  XXXX Account Closed Date Closed : XX/XX/XXXX Credit Usage You're currently using XXXX XXXX of your credit limit. 

XXXX XXXX ( Stay below ) XXXX XXXX  Account Information Account Status Open Account Type Credit Card Date Opened XX/XX/XXXX Credit Limit {$1100.00} Keeping your credit usage below XXXX XXXX will keep you in good standing with lenders and may lower the impact to your XXXX XXXX. 

Payment Information Payment Status Late 120 Days Past Due Amount {$480.00} Highest Balance {$1600.00} Monthly Payment {$110.00} XXXX XX/XX/XXXX days late ( Last 7 years ) XXXX Additional Information XXXX XXXX XXXX XXXX XXXX XXXX Account information disputed by consumer, meets FCRA requirements Creditor Name XXXX XXXX  Creditor Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX ( XXXX ) XXXX Is everything looking correct? 
If not, you can report an inaccuracy. 

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

TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU US DEPT OF ED/XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle.

The following information needs to be verified and deleted from my credit report as soon as possible  : US DEPARTMENT OF EDU US DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle.

The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU US DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Vehicle loan or lease

Hello, I want to report a predatory loan that I got from XXXX XXXX XXXX and their finance company, XXXX XXXX XXXX. 
I recently purchased an XXXX XXXX, XXXX from this company, and was lied to throughout the whole process. Salesperson XXXX XXXX told me originally that my loan, at a predatory 26 % interest, would originally be around {$220.00} a month, then left for a moment to speak to the manager, and came back, erased that number, and told me per the policy at the store they would ONLY finance me if I also got their equally predatory warranty, taking the monthly payment up to {$410.00} a month! When I asked him point blank if I absolutely had to get the warranty, he looked me in the eyes and told me yes. Because my credit is less than stellar, I felt I had no option than to say yes. 
I found out later that warranty is always optional, and their finance company blamed me for not looking at the fine print hard enough. I record my phone calls, and have proof of all of these claims from them directly. 
I recently lost my job and have been in very hard times for the last month, and when I called to try and get an extension they told me extensions are not contracted and I was out of luck. 
There was also an incident where they violated an interlock device I'm required to have in my car, due to an old DUI from XXXX that the sentence has not been finished out. They sold me this car with an oil leak, that I did not know about until I took it to XXXX, and when I took it back to them to fix, the service manager violated the device by not disabling it before service, knowing that he had to because he had worked on it before and disabled it before. Because of this I was locked out of my car and unable to pay the XXXX XXXX fee balance on my account, so the car sits in my driveway on used, while I look for another job. They have taken no accountability for this and no actions. 
I feel lied to, I feel taken advantage of, and my parents had to cosign with me on this loan, so the burden has fallen onto them. 
Please tell me what I can do in regards to this loan and how to fix my payments to make my life and my parents ' life easier while I get my life together. 
Thank you very very much for your time, and please let me know if there's any more information you require, or any of the phone calls that were recorded, any paperwork etc. 
XXXX XXXX