23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

FIRST NAME : XXXX LAST NAME : XXXX ADDRESS : XXXX LEMAY PL XXXX XXXX, CA XXXX XXXX : XX/XX/year> SSN : XXXX DRIVER LICENSE NUMBER : XXXX PHONE NUMBER : ( XXXX ) XXXX EMAIL ADDRESS : XXXX I am writing to ensure that my personal information is accurately recorded in your system. Please see my details above for your reference. 

Thank you for your prompt attention to this request. 

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

On XX/XX/2021, the attached dispute was sent to LexisNexis. USPS receipts indicate the dispute was delivered on XX/XX/2021. To date, no response has been received from LexisNexis. Despite this, the public record in question remains on my 3 major credit reports and LexisNexis report. I have attempted to dispute the record in question with the credit reporting agencies ( XXXX XXXX, and XXXX ), however they have stated in writing on several occasions that they were able to verify the record despite my LexisNexis report being frozen at the time. This would also mean LexisNexis continues to provide my information despite the freeze existing which supposedly legally bars them from doing so.
Product: Credit reporting or other personal consumer reports

This is my fifth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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

I paid my bill on time using a company 's online website. They showed that i made the payment on time but then the payment was never received and they now have a 30 day late pay on my account. This company is also always misreporting my account balances to the 3 credit bureaus as being higher then what they should be.
Product: Debt collection

I HAVE NEW AND UPDATED INFORMATION ABOUT LVNV FUNDING LLC. Lvnv has been willful and neglient non compliance with federal law. They have violated my federally protected rights under the Fair Debt Collection Practice Act using abusive and harrasing practice to collect on an alleged debt.1.LVNV has been harassing me for multiple years, with over 100s of emails threatening to take legal action that can not be taken. 2. Lvnv compliance department responded and said they haven't used harassing tactics but attached are emails of them threatening to take legal action that cant be taken using harassing practice to coerce me in to paying the alleged debt. 3. XX/XX/2022 I sent an notarized conditional acceptance agreeing to pay the alleged debt if they can produce the documents listed on attachment within 10 days and they failed to do so which stated if they can not produce they can not rightfully enforce their claim, it as been XXXX months since they received the letter and still have not provided me with a lawfully claim I also sent an affidavit they failed to Rebuttal. 4. I have tried to resolve this issue and lvnv continued to threatened me with an lawsuit they have no standing on because a debt collector can not sue due to them not being the creditor and lvnv raised a claim against me in XXXX district court violating my federally protected rights. 5. When I called Lvnv and spoke with a representative she told me due to me disputing with the credit reporting agencies for two years against this account they brought a lawsuit against be which would be punishing me for exercising my rights. The complaint was pass the XXXX days and was not served to me but every time I wrote LVNV on cfpb they stated they could not respond because a case was pending when that was in fact a lie. They Illegal practices has and continues to cause me severe stress. They have sold my information to multiple companies to collect when they don't have the authority to have my personal information. Lvnv has failed to provide me with any information I asked for me to validate the alleged debt instead they continue to send the same statements when them and the creditor has different information listed its impossible to validate just off statements when I have a right to receive information according to the Freedom of Information Act. Attached documents to show proof They had 30 under the FDCPA days to validate the alleged debt or a copy of the judgement pursuant to 15 USC 1692 and they failed to do so. They compliance department also stated they do not have a time limit when the law says 30 days. This company has a problem with abiding by the law and shall be reasonably investigated for non compliance.
Product: Credit reporting or other personal consumer reports

Unfortunately, I have fallen victim to identity theft, as unauthorized individuals have gained access to my personal information, compromising my security and resulting in fraudulent activities being conducted under my name. 
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : ( Private XX/XX/XXXXXXXX   ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), XXXX on XX/XX/XXXX under the account number ( XXXX ) with a balance of {$1100.00}, XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), XXXX  XXXX on XX/XX/XXXX under the account number ( XXXX ) XXXX  XXXX on XX/XX/XXXX under the account number ( XXXX ) auto loan accounts opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX XXXX ) with a balance of {$36000.00}, and XXXX XXXX XXXX under the account number ( XXXX ) a personal loan account opened at XXXX  on XX/XX/XXXX under the account number ( XXXX ), XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) and XXXX XXXX XXXX under the account number ( XXXX ) XXXX  on XX/XX/XXXX under the account number ( XXXX ) XXXX  on XX/XX/XXXX under the account number ( XXXX ), XXXX  on XX/XX/XXXX under the account number ( XXXX ) XXXX  on XX/XX/XXXX under the account number XXXX ) a collections account with XXXX XXXX XXXX on XX/XX/XXXX account number ( XXXX ) and a Checking/Saving account at XXXX XXXX XXXX XXXX XXXX under the account number ( XXXX XXXX that appears. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report XXXX XXXX. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX, and XXXX private ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been requesting the credit bureaus XXXX, XXXX and Transunion to remove outdated accounts from my credit report for now 6 months. This is causing major problems with my credit scores as these accounts are now outdated and outside of the Statue of Limitations for the State of Georgia. I have sent several letters and copies of my credit reports to the bureaus to prove this matter and even sent these request to the collectors directly. Some have been deleted as requested but a few are still reporting with no response as to why these have not been address since they are clearly outdated. There are also several inquries in which I honestly do not recall authorization my reort to be pulled and have requested for these to be validated and removed. No response or action has been taken on any of these requests. 
At this point, I don't know what else I can do to have this corrected on my reports. I read online that I can submit a complaint here as I simply have no other options. Please help me with this matter as this is causing me issues with my employer and future purchasing options. 
I thank you in advance for your assistance and response.
Product: Credit reporting or other personal consumer reports

Subject : Request for Blocking and Deletion of Accounts and Inquiries Due to Data Breach Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) I am writing to inform you that I am a victim of a data breach and request the blocking and deletion of all accounts and inquiries related to this breach pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). Below is the detailed information of the affected accounts and inquiries : Accounts : XXXX. XXXX - XXXX - XX/XX/XXXX - {$380.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} Inquiries : XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I borrowed a personal loan of {$35000.00} from Upgrade on XX/XX/2019. Though the loan amount was disbursed only {$32000.00} as {$3000.00} went towards origination / processing / application fee. 

Interest rate : 21.93 % per year Since then I have already made the payments as below : Total amount paid until now : {$23000.00} Amount credited towards principal {$18000.00} Amount credit towards interest {$5800.00} Loan balance as of today : {$22000.00} I understand that the interest is being unfairly being applied to my account as a result the loan balance is not going down. 

I have enclosed the loan agreement form and the details of my payments.
Product: Credit card or prepaid card

This bank is horrible and in violation of the law they treat me horrible I have a credit card that is with their collections and their very rude to me its charged off for months Ive been asking for help I lost my job due to being XXXX XXXX XXXX they dont want to settle with me they give me a hard time and when I called them and asked for a statement to review my balance by law they are supposed to to validate my debt I want to see my balance and demanded they mail me a statement they refused very bad business practice
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, h

as violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat ~ payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Debt collection

XXXX from The XXXX XXXX XXXX contacted me via a recorded phone call on XXXX about a debt I uncured with XXXX. The account number was : XXXX. We agreed to settle this account by paying {$350.00} through 3 consecutive automatic withdrawals. Please see the following : XXXX XXXX Withdrawal ACH XXXX XXXX XXXX XXXX TYPE : payment ID : XXXX DATA : XXXX XXXX XXXX/XXXX/XXXX CO : XXXX XXXX XXXX XXXX XXXX. On XXXX, I was contacted by a different collection agent from XXXX who asked me to pay about {$560.00}. I explained to this agent that I had an agreement with a previous agent from XXXX XXXX XXXX and that I thought the 3 payments were already withdrawn. I checked my account and found that only one payment was withdrawn ( See the above ). I checked my credit report and I was shocked to learn that XXXX has reported that a balance of {$580.00} was written off. I wrote a letter XXXX in which I explained that I, with good faith, have agreed to pay and that it was not my wrongdoing if the collection agent from XXXX XXXX XXXX did not do his job and that they should not report this account as a WRITTEN OFF. On XXXX XXXX, XXXX, I was contacted by a Law Firm called J.A.CAMBECE asking me to pay {$460.00}. I sent to this law firm all the information I have and I explained to them that XXXX XXXX XXXX is aware of my payment efforts and that it refuses to share the audio recorded agreement I had with XXXX back in XXXX XXXX. In addition, the numbers do not add up : {$580.00} was written off. I paid {$110.00} as shown above in my checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off this account and closed out the account with final balance which included interest payments in XXXX. They added interest in XXXX and never sent notices but continued to flag my account as late and reported late payment to the credit bureaus the account as being late. I had no knowledge of this balance until XXXX when checking my credit report. This delinquency caused my credit score to plummet by XXXX points. I called them and they offered no resolve saying that the interest came through one month later after the account was paid off and closed. Please see account in reference below. 

XXXX XXXXXXXX XXXX has flagged your account as 30 Days Past Due on XX/XX/2023. 

Source : Experian XXXX : XXXX XXXXXXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, IL XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( 30 Days Delinquent ) Balance Date : XX/XX/2023 Balance : {$19.00}
Product: Debt collection

i am not liable for this debt with P & B CAPITAL, I do not have a contract with P & B CAPITAL, they did not provide me with the original contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account : 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 card or prepaid card

I applied online for a credit card from Capital One The card arrived with a fine print agreement which I read and found unacceptable Phoned the impossible to find phone number by calling the validation line and clicking " O ' several times. Informed that account could be closed by submitting my social security number over the phone.Spoke with gentleman called XXXX declining to provide SS # over phone. Informed, therefore account can not be closed. 

I want the account closed and information sharing be prevented.
Product: Mortgage

The company decided to charge their {$50.00} annual fee and even took the step to send a letter ( XX/XX/year> ), because this was something that they knew was going to cause a lot of problems. I have a {$0.00} balance outside of their {$50.00} fee with Alliant, but i moved the {$50.00} into their savings account that they force their customers to setup on XX/XX/year>, to increase their deposits. I thought i had autopay turned on and i do not know how it got turned off. The payment that was supposed to be made on XX/XX/year> never took place. The company never contacted me at all about a late payment. Then proceeded to report me to all of the credit agencies when the {$50.00} sat in my " savings '' account with Alliant. I received multiple credit alerts on XX/XX/year> stating i had a past due account, which triggered me to login to Alliant on XX/XX/year> notice the money was never applied to the XXXX account to pay their {$50.00} annual fee they decided to charge on XX/XX/year> that they knew would cause problems. I then pressed the make payment button to move the {$50.00} that they already had of mine in my savings account to the XXXX account to cover the fee. I contacted Alliant XX/XX/year> and asked them to remove the late payment from my credit report, in which they replied XX/XX/year> saying they can not because they made no mistakes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute back in may of this year. My XXXX XXXX XXXX XXXX XXXX was removed on XX/XX/XXXX and it showed back on on today as well as my XXXX  XXXX XXXX account was removed as well and now is back on months later. I have been having this issue for months now, the credit companies have been going back and forward with me on removing and putting accounts on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously sent a letter to your company, but the representative told me that they have not received it, so I am re-submitting a letter with my FTC report for these unauthorized and fraudulent inquiries through this platform. Please prioritize this matter.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Response to Debt Collection and Invalid Address ; Account Number : XXXX Dear BYL XXXX  Services, I am writing in response to your Consumer Financial Protection Bureau ( CFPB ) response dated XX/XX/XXXX, regarding the account that you are attempting to collect. While I acknowledge receipt of your communication through the Consumer Financial Protection Bureau ( CFPB ), I must bring to your attention several important legal considerations related to the invalid address to which you have sent correspondence. 

As per the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( a ), you are required to send a validation notice to the correct address. According to your Consumer Financial Protection Bureau ( CFPB ) response, you state that a validation notice was sent to me on XX/XX/XXXX, but you fail to address the fact that the correspondence was mailed to an incorrect or outdated address. Since I did not receive the initial validation notice due to the incorrect address on file, I know this violation invalidates your attempts to collect this debt. 
The FDCPA mandates that all communication be sent to a valid, updated address, and it also provides protections for consumers when they do not receive proper notice. Failure to send notices to the correct address could render any subsequent attempts to collect or report the debt unlawful. In addition, the Consumer Financial Protection Bureau ( CFPB ) guidelines emphasize that all communication must be directed to the correct address to ensure the consumer 's rights are not infringed upon. 

Additionally, as per the Fair Credit Reporting Act ( FCRA ), Section 605 ( a ), the agency must ensure accurate reporting of any debt. If the information provided is based on an address that I do not use or is incorrect, it can be argued that this information is inaccurate, and you have an obligation to correct or remove it from any credit reporting. 

For these reasons, I request that you immediately : Provide me with the confirmation of the correct address you are using for me, including any update to my address records in your system. 

Resend any documentation related to this debt to my current, correct address. 
Cease reporting this debt as valid until you can ensure the correct information has been communicated to me and my rights have been properly upheld. 

Please respond to me in writing within 30 days to resolve this issue. I would also like to inform you that since the incorrect address issue has not been resolved and you continue with improper practices, I have filed formal complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and my states Attorney Generals office. 

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

Sincerely, XXXX XXXX XXXX
Product: Mortgage

I refinanced my loan in XX/XX/XXXX. There is an overpayment on my property taxes. Previous lender on numerous occasions has confirmed they received the overpayment back and had processed the check for reimbursement. I have been following up for weeks on this and as recently as of Saturday XX/XX/XXXX and Monday XX/XX/XXXX i was told a refund check was being overnighted to me. As of today Wed XX/XX/XXXX XXXX ID XXXX is telling me there is no way for anyone to tell this information and this can take upto another 30 Days. I have been on the phone with LoanCare for 1 hour as i am writing this compliant. I asked multiple times to be transferred and was told no one is available. both the county and LoanCare have confirmed multiple times that Loan Care is in receipt of the overpayment of the property taxes. This process is going on 2 months now. I was told as of XX/XX/XXXX the check was being processed and would be overnighted to me to receive on Wednesday XXXX. Now the current team member is telling me there is no way they can promise that would be done. I want this taken care of and the only recourse i feel like i have is to file a compliant.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made multiple calls from XX/XX/2018 and submitted documents and each time I've been told by a CSR that the incident is still under review, but that they will escalate this incident to a supervisor.

Federal Law requires that you provide mechanisms to ensure that each item in our report actually belong to us. In addition, we have provided you with additional documents and information shows differently. This information is, once again, included below. Therefore if the reported items are inaccurate, misleading or incomplete ; you may have violated the Federal Law.

Also, we requested this investigation on XX/XX/2018 and now it is almost 90days. This also violates the 60 days period to complete the inquiry. I expect you to conclude this investigation immediately. If you have any questions, please let me know.