23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

One of the address is incorrect. I never lived in XXXX, NJ. That is wrong address. Please delete wrong information. Thank you.
Product: Debt collection

Please note that a mere summary of the account or a statement indicating that the debt is valid without supporting documentation is not considered sufficient validation. 
On XX/XX/2023 I specifically and precisely requested the following documents. 1. The original contract with the original creditor with my picture and my signature 2. The complete and unredacted purchase agreement showing when this alleged debt was purchased and how this alleged debt is somehow tied to me 3. Any and all payment history regarding this alleged debt. I received a response from a totally different company called Resurgent Capital Services whom I also have no affiliation with. On XX/XX/2023 Resurgent Capital Services uploaded 94 pages of documents and not one page of these documents bares my signature as requested nor my photo id which I also requested. I also requested the purchase agreement from the company reporting to my credit report. I have It is obvious that this account that is being reported by Lvnv funding is being reported inaccurately. 
I dispute the validity of this debt and, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting that you provide me with the necessary documentation to validate, not merely verify, the legitimacy of this debt. 

I understand that the difference between validation and verification is significant in ensuring the accuracy of the information being collected. Verification merely confirms the existence of a debt without providing sufficient evidence of its authenticity. On the other hand, validation requires the presentation of detailed information that confirms the debt is accurate and legitimately owed by me. Being that the company reporting which in this case LVNV funding as well as Resurgent Capital Services are not able to provide me with the requested documents then these items are to be removed immediately and permanently. 

Please note that a mere summary of the account or a statement indicating that the debt is valid without supporting documentation is not considered sufficient validation.
Product: Credit card or prepaid card

I paid XXXX for the company self financial to have my account I closed the account XX/XX/XXXX and they were suppose to deposit my money in 10 business days and they have yet to do it and then when I called they keep saying they are holding it and refuse to give a date and tried to say it was fraud so I sent them my drivers license, ss card, business bank statement, business license with my name and business name on it a photo of the card used a photo of myself and they are still refusing to release my money. I have asked several times and they will not give a date or anything and I personally closed the account
Product: Debt collection

Account Name in question on report : XXXX/XXXX This account is continuously reporting charge off XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021. This account should only report a charge off for the month of XX/XX/2021. This is having a substantial effect of me date of last activity which will show me when this account falls off of my report. 
I have reported several times that this account is inaccurate and all they have done was send me a letter stating that the account was updated or that it was accurate which obviously it is not. I reported this account to Experian and it came back on XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021. After disputing this account 5 times this year and having nothing done to correct the issue, which you can see in the document that I have attached from Experian. 
At this point, I do not want to waste anymore of my time or money disputing this information because they have had 5 time to actually verify and fix this information which they have not done so at this point the only way to solve this issue is to just delete the account from my report and send me an updated copy of my credit report with this account deleted.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting CB/MAURICES Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX XXXX Account Number : XXXX Delete this account. 


XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 


XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 


XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Delete this account. 


XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I CHECKED MY CREDIT REPORT AND I HAVE HARD INQUIRIES THAT I DO NOT RECOGNIZE : XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

I have a debt that does not belong to me. I have applied nor utilized services with this account. The information appears to be inaccurate and I wish to address this matter immediately.
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme dissatisfaction and frustration with the persistent mishandling of my credit report. The matter at hand involves numerous instances where my credit score has suffered due to unauthorized hard inquiries, particularly by XXXX XXXX, and subsequent inadequate corrections by Experian. 
On XXXX XXXX XXXX I was alerted by XXXX and XXXX XXXX about changes to my credit report. Investigation revealed an unauthorized hard pull by XXXX XXXX, an action I neither authorized nor initiated. Despite immediately reaching out to Experian, XXXX, and XXXX, the responses, particularly from Experian, were shockingly insufficient. 
Experian 's initial notification stated an XXXXpoint drop in my credit score due to the XXXX XXXX inquiry. After disputing this with an Experian fruad department representative and providing XXXX XXXX 's reference number ( XXXX fraudulent application with notes stating : closed application ), my credit score with Experian increased by a mere XXXX points on XXXX XXXX XXXX This pattern of losing more points than regained after unauthorized inquiries is a recurring and unacceptable issue. My credit score should have passed XXXX by now but because of the inaccurate reporting and the pattern of hard inquiries from the same XXXX XXXX, my score continues to suffer with Experian. 
The proactive measure of freezing my credit file, which should prevent unauthorized inquiries, has proven ineffective against XXXX XXXX XXXX persistent actions. This is a blatant disregard for my rights as a consumer and a failure in ensuring the security of my credit information. I only had the freeze temporarily lifted upon suggestion from a XXXX XXXX XXXX representative when I went to open a checking and savings account with them. 
Moreover, Experian 's reporting inaccuracies have further compounded the problem. My total debt, initially reported as {$350.00}, skyrocketed to an astonishing {$21000.00}. This egregious error has had a severe impact on my credit score, hindering my financial plans, particularly my ability to proceed with a house purchase. The other two credit bureaus have my total debt reported as {$350.00}, why does Experian continue to report inaccurate information on my report? This is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in Direct Violation of The Fair Credit Reporting Act 1 ) XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX ) XXXX XXXX ), has violated several of my rights. 
16 U.S.C 1681 section 602. A. Cloarty states that 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
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 XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX  Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> Equifax XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> Equifax 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 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 than 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 reporting, credit repair services, or other personal consumer reports

On or around XX/XX/XXXX i applied for a mortgage, i received 2 credit inquiries on my credit report instead of one. One was on XX/XX/XXXX and the second was on XX/XX/XXXX under the creditor name CREDCO. I want one of the 2 inquiries removed so it does not drag my credit score down even more
Product: Debt collection

I lost 32 points on my XXXX it and XXXX  and this debt has already been discharged in my chapter XXXX bankruptcy. This company operates fraudulently. I never received anything in the mail to alert me of them adding an old debt to my credit file. I seriously believe they did not contact me on purpose so that I wouldn't know. This company banks on people not paying attention to their credit files so they can collect on old closed debts.
Product: Mortgage

caliber home loans XXXX - Loan was originated as an FHA and on XX/XX/XXXX, as of XX/XX/XXXX I had paid the balance down to less than the 78 % as required by the FHA to remove PMI. I sent a letter ( enclosed ) to Caliber to have the PMI removed and they send back that is was. My payment went down the {$320.00} as you can see from the screen shots. On XX/XX/XXXX an additional {$940.00} was taken out as an FHA payment and even though I have been promised several times that either documentation of some kind will be send to me explaining why this was taken out or that the funds would be refunded nothing has happened. I have been promised several call backs from " senior associates '' that could explain what had happened but have yet to hear back. 

What makes this even worse is now the loan is being sold to XXXX XXXX services as of XX/XX/XXXX, and my concern is that they did this to keep from having to explain or deal with me on the missing ~ {$950.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the fair credit reporting act XXXX XXXX XXXX account # XXXX has violated my rights 15 usc 1681 section 602a states I have the right to privacy 15 usc 1681 section 604a section 2 it also states a consumer. Reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XX/XX/year> Account Name : XXXX XX/XX/year> Account Name : XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

There is a hard inquiry from Bank of America on XXXX. I don't ever recall applying for a Bank of America credit card. This is a fraudulent reporting. Please verify the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has 2 late/delinquent accounts reporting on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I entered into a lease agreement for a vehicle from XXXX XXXX XXXX in XXXX XXXXXXXX, believing it was a standard retail unit. Later, I discovered it was actually a wholesale unit, which was never disclosed to me at the time of purchase. Just a few months into the lease, the entire engine failed, indicating the vehicle was not in the reliable condition I was led to believe. The car 's current value is only {$2000.00}, which is exactly what I put down initially, and yet I'm paying $ 343 monthly for a car that doesn't seem like it will last much longer. This has severely limited my ability to travel outside my hometown, affecting my daily life. The dealership has also failed to inform the leasing company of these issues, which feels like a deliberate omission on their part. I am currently in mediation with the Indiana state attorney general 's office over this matter, seeking to resolve what feels like a fraudulent contract. I need assistance in addressing this situation and would appreciate any guidance on how to proceed with the CFPB to have this matter investigated and resolved.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I do not believe I owe this debt to LVNV Funding LLC. I have NEVER had any type of contract with them nor do I recall getting a letter in the mail stating that I owe them XXXX. This company has never contacted me by mail. I believe them to be reporting harmful things to my credit report without my knowledge. This has cause me great harm in getting denied for things. This company has completely defamed my character. I would like to see the contract that I have with this company with my actual signature saying that I allowed them to report this to credit reporting agencies on my behalf. I would like this removed immediately not 30 days. Im also not sure if this debt was purchased illegally without my knowledge from XXXX XXXX XXXX XXXX. I have never gave XXXX XXXX written consent to give/sell my information to this company. And I would also like to see an itemized bill to know how much this alleged debt was purchased for. I also believe this t be a violation in regards to 18 USC 1028.
Product: Student loan

I graduated in XXXX 2014 from the University XXXX after living in XXXX for 20 years, and then relocated XXXX in XXXX 2014. I updated all of my address changes, but never received any communication from my student loan debtors until yesterday when I received a phone call from a collection agency demanding payment. They want me to make XXXX monthly payments in order to get my loan out of default. I had NO idea I was in default and feel I have done due diligence in making a good faith effort to remain in compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The XXXX, XXXX and Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with XXXX XXXX XXXX, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/2019 Balance : {XXXX}
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

In my previous comments I said Goldman Sachs didnt handle the account correctly and I couldnt get any help Im not even supposed to have a credit card in my possession and mishandled my Apple Card with Goldman Sachs I feel like I was mistreated and I just want an appology for how things went about Im wanting to know why they wouldnt help me with my bill and I wasnt too happy about that I have a major disability and have lots of issues Im working on hope to be in contact soon
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my Experian and XXXX credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX