23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

We feel that XXXX & XXXX, XXXX, the Attorney acting on behalf of Lago Funding Corporation, a debt collector, is dealing with unfair practices for a Judgement claim of {$25000.00} on a vehicle sold at an auction from Summit Financial on XX/XX/XXXX for {$6400.00}. 
They were able to get a Judgement filed and approved with the XXXX XXXX Courts which has now resulted in us filing a XXXX  XXXX Bankruptcy. 

The President of Lago Funding is XXXX XXXX XXXX XXXX ( XXXX ext. XXXX ). That is the phone number I found on XXXX. I called that number and the automated answering service said " XXXX XXXX XXXX XXXX. '' XXXX XXXX XXXX XXXX is the former Registered Agent for Lago Funding Corporation. 
XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX | Florida is listed a the current Registered Agent for Lago Funding Corporation. I spoke with XXXX XXXX XXXX on XX/XX/XXXX around XXXX XXXX  and she mentioned that the case was closed. 

Although the Judgement has been filed, we don't feel like we were given the opportunity to receive fair practices. The Bankruptcy has caused financial hardship and myself not being able to afford to pay for a personal medical issue. 

We agreed to the filing only because we felt threatened with wage garnishment and the legal tactics taken. We felt we had no other choice. I still would like to submit a complaint. 

Our complaint is : XXXX XXXX sent letters on XX/XX/XXXX, and XX/XX/XXXX. We never received those letters. There was no further action or communication until a Judgement was filed on XX/XX/XXXX with the XXXX XXXX Courts. Why did XXXX  years go by with no communication at all from XXXX XXXX XXXX XXXX is my question but then XXXX  years later, they felt the necessary need to file a Judgement on XX/XX/XXXX? 
Also, it seems like they have the discretion to settle for any amount but have declined the amounts we asked them to settle for. 

Thank you for your time, XXXX and XXXX XXXX
Product: Debt collection

This account was deleted in result of identity theft. It was originally deleted off my consumer file on XX/XX/XXXX. Now almost seven months later has showed up as collection on my file without consent. It appears XXXX XXXX XXXX  is the original creditor. XXXX  XXXX XXXX has committed aggravated identity theft according to 18 usc 1028a willful and knowingly by selling my personal information to LVNV FUNNDING LLC and Resurgent Capital Service ( DEBT COLLECTOR ) allowing both companies to profit and recharge a fraudalent debt to my social security. XXXX XXXXXXXX XXXX  has sold my Social security number, phone number, address and name to these companies without my consent. Resurgent Capital Services has failed to valid the debt properly as i have never received any certified mail asking to for me to validate this debt. This debt should not be reporting because i did not give permission or written consent for these companies to be reporting on my file at at according to 15 usc 6802a & b. Also, according to 15 usc 1681a these companies has failed to do a proper validation of debt by not doing an proper investigation by not obtaining information through my friends, neighbors or associates according to the fcra. also, 18 usc 8 Obligation or other security of the united states, if there is any such debt please contact the united states. As theyre the owns who are obligated to pay consumers debt since this account was fraud and charged to me. This holds a negative financial burden on I, consumer, natural person. This is preventing me from obtaining my own credit for things that i need to sustain the cost of living. I can not get approved for a line of credit because this negative impact on my file. 
I, XXXX XXXX, Consumers, original creditor have received a notice on my credit file of a debt collection account. My credit file is reporting false and misleading information on my file. Without proper notice and certification through mail to ensure that I received this potential debt to respond to. Also, my fie is showing the original creditor as XXXX XXXX XXXX. This false and misleading information according to 15 US Code 1692a ( 4 ) The Term creditor means person who offers or extends credit creating a debt ... XXXX XXXX XXXX is falsely furnishing information onto my file. Representing themselves as the original creditor. 
Continuing Looking over this debt collection account and speaking with supervisor XXXX XXXX In the Internal Recovery Department She has made me aware of an balance of {$910.00} and on my file it is showing an amount of {$910.00} even on XX/XX/XXXX at XXXX on a phone call. Since debts are showing different amounts between credit file and Resurgent Capital Services and creditor status they also have furnished the account was opened on XX/XX/XXXX, when I contacted the company to see when this account was opened is was told XX/XX/XXXX the information furnished onto my credit report is False and /misleading. 
Please delete this from all CRAs and my consumer credit file without recourse.
Product: Mortgage

XX/XX/2022, I submitted my loan modification application to The Money Source via their web portal. On page 7 of the application there is a question, which ask the customer preferred contact method. I checked the box for email, since my cell phone was about to be disconnected. Later that night, I received a confirmation email at XXXX XXXX, which stated " Thank you for contacting Loss Mitigation, where our customers happiness is our top priority! Please accept this confirmation that your email has been received. We will work diligently to review and respond to your request within 1 business day. '' I had not received an email regarding the status of my application, in over a month. I assumed they were processing my request. 

XX/XX/2022, I received a letter from The Money Source dated XX/XX/2022 which stated they requested more documentation and that they had to receive it by XX/XX/2022 or my loss mitigation application would be closed and they would start foreclosure process/proceedings. 

XX/XX/2022 I called The Money Source customer service department and one of the agents advised me what was needed and that I had to date and sign my letter of explanation, and she stressed to me make sure you receive proof of confirmation which I did as stated in the email response I received that same day at XXXX. She also stated that I should hear something back from someone name XXXX XXXX the person working on my modification, I assume ) in 5 days. 

The following week I received numerous letters from The Money Source one of which was another application for Loss Mitigation. 

XX/XX/2022 I resubmitted my original application, letter of explanation ( I submitted to them on XX/XX/2022 ) and updated financial information to The Money Source via email ( I also included a statement in the body of my email ) in a series of 5 emails. 

XX/XX/2022, following up on my call to XXXX I checked my email and the document portal on The Money Source website. I did not see an email or any correspondence from XXXX advising me on the status of my loan modification. 

I am concerned with the lack of timely response from The Money Source. I have no confidence that they are acting in good faith to assist me in preventing my home from going into foreclosure. I have been diligent in my attempts to provide The Money Source with the reqeusted information they've ask of me.
Product: Debt collection

I am receiving derogatory marks on my credit score from a account in collections from a company I do not owe for {$250.00}. I have not got any calls about the amount due or was served any paperwork from this company. It's weighing down my credit score and I would like to resolve the issue.
Product: Student loan

I became XXXX due to a XXXX XXXXXXXX XXXX, we applied for total XXXX discharge and was approved last XXXX. We then were told we needed to re-apply 12 months later to verify that i was still XXXX and unable to pay back the loan, we re applied and were denied. 

my other loan with citizen bank was XXXX through this same process once they verified i was XXXX.
Product: Credit reporting or other personal consumer reports

Experian did not properly investigate my complaints/disputes for the below accounts and I would like them to be deleted from my credit report. They were supposedly investigated, deleted and reinserted which completely hindered me from gaining credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On XX/XX/2023, I opened an account with XXXX to take advantage of a {$250.00} new checking account promotion. 

The promotion stated to receive {$250.00} XXXX needed to open the My Community Free Checking account with {$1.00} or more and that I must have a total of one or more ACH deposits totaling {$500.00} or more and to maintain and average daily {$500.00} balance for 90 days. The promo stated I would receive the {$250.00} bonus in XXXX XXXX  days, but I never received the {$250.00} bonus. 

After account verification, I made the first XXXX deposit on XX/XX/2023 for {$500.00}. I had more XXXX deposits on XX/XX/XXXX for {$300.00} and on XX/XX/XXXX for {$200.00}. 

From XX/XX/XXXX - XX/XX/XXXX my balance has never dropped below {$500.00} even after making some withdrawals from the account. 

I received a message from customer service that I dont qualify for the bonus because I didnt maintain {$500.00} balance for 90 days. That is completely false and my checking statements shows that my balance never dropped below {$500.00}.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of an inaccurate XXXX XXXX bankruptcy record from my credit report under the Fair Credit Reporting Act ( FCRA ). The details of the record in question are as follows : Reference Number : XXXX Date Filed/Reported : XX/XX/year> This bankruptcy entry has caused significant financial and emotional hardship, severely impacting my ability to provide for myself and my family. I believe the record has either been inaccurately reported or has remained on my credit report longer than permitted under the FCRA.
Product: Credit reporting

Attorney General Office of Texas : XXXX attorney generals XXXX office is reporting payments past due from XXXX of 2014. As of that date there was a change of custody and I am now the custodial parent and receive XXXX instead of pay XXXX. There was a delay in filing the documents by the attorney and I was assured the matter was resolved, but XXXX and Equifax continue to show a past due & open account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergont Account # XXXX XXXX XXXX XXXX XXXX, has violated 611 15 U.S.C 1681i ( 5 ) ( b ) I disputed this item on XX/XX/2023. This item was deleted from my credit report on XX/XX/2023 file number XXXX. The account was added back on my report. However, you failed to notify me within five business days that this account was reinserted back onto my credit report and therefore is in violation of 611 15 U.S.C 1681i ( 5 ) ( b ) and you need to remove Account # XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to Transunion dated XX/XX/2022, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. If you do not authenticate these accounts, I will take legal action against you. 

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

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 XXXX XXXX card 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 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: Checking or savings account

On multiple occasions the company in question has abused its overdraft fee and caused me copious amounts of money from my own checking account, forcing my account to be deeply in the negative, to the point were a massive portion of my own biweekly check is used to cover said fee.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax 15 U.S.C. 1681 Section 602 A : States I have the right to privacy. XXXX5 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. 15 USC 1681b : Permissible purposes of consumer reports ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer. ( 3 ) Information regarding inquiries : Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

And after a detailed review of my consumer report these said inquires are all in violation of the FCRA as none of them is a creditor in such assignment transactions and nobody extended me credit not to mention the dealer is by law the only creditor and, by having no intention of extending the credit disclosed in the RISC, it too violates the FCRA at 1681b but not only that I do not Recognize many of the mentioned inquiries and I am a victim of identity theft my report is attached Inquires XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX  XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX  XXXX XX/XX/2022 XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX - XXXX XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 And with me being a victim of identity theft the said accounts and inquires are possible risk of identity theft so I demand they be deleted from my file as pursuant to 15 USC 1681c-2 consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days
Product: Money transfer, virtual currency, or money service

COINBASE COMPANY based in XXXX XXXX sells cryptocurrencies, It will allow you to buy currencies such as LiteCoin, Bitcoin and Ether but will lock your account when it is time for you to withdraw your funds. I have tried to validate my identity to COINBASE and successfully uploaded my driver 's license with the CORRECT INFORMATION INCLUDING the address but it insists that it can not validate it after I have accurately answered all the verification questions. They are holding my funds. This company should have completely validated the users first prior to allowing them buy crypto currencies so that there no funds withheld if can not be validated. 

This is a pure deception and fraud where they allow you to buy but will put restrictions on your funds that is deposited to their organization.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX account XXXX XXXXXXXX, XXXX XXXX XXXX XXXX account XXXX XXXX, XXXX account XXXX XXXXXXXX, XXXX account XXXX XXXXXXXX, XXXX XXXX  account XXXX XXXXXXXX, XXXX XXXX bankruptcy account XXXX XXXXXXXX, XXXX XXXX account XXXX XXXXXXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. states I have a 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 reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, and as a result, unauthorized accounts have been added to my credit report. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts be blocked and deleted from my credit file. 
Accounts to be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S. Code 1681 Section 604 ( a ) ( 2 ) States that I have the right to privacy which has and still is constantly being violated 15 U.S. Code 1681 Section 604 A Section 2 It also states that a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S. Code 1681c - Requirements relating to information contained in consumer reports 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

I XXXX XXXX, natural person and consumer have been a victim of unfair practices by consumer reporting agencies as they are reporting information that is not validated on my consumer report. This has caused me XXXX XXXX, embarrassment and has been a defamation of character.
Product: Credit reporting or other personal consumer reports

I am a natural person and submitting this complaint on my own behalf. The credit reporting agency has told me that they have completed a reasonable investigation and told me that they verified my report 100 % accurate however there are still inaccurate information which is causing damage to my credit score. According to U.S.C. 1681 there is a need to insure that credit reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I have not received that at all and me and my family are paying for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX ( Balance : {$14000.00}, XXXX. XXXX, XXXX ), XXXX XXXX  XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$10000.00} ). XXXX XXXX  ( Date OpenedXXXXXXXX  XXXX, XXXX, Balance : {$22000.00} ), XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1200.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1000.00} ), XXXX XXXX  ( Date Opened : XXXX. XXXX, XXXX, Balance : {$560.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.