23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

LVNV Funding LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : Debt Validation Request To Whom It

May Concern, This letter is a formal request under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, for validation and verification of the debt referenced above. I hereby demand that you immediately cease all collection activities until you provide me with proper validation of this debt. I dispute this debt in full and require the following information within 30 days : 1. The original signed agreement or contract that legally binds me to this debt. 2.A detailed breakdown of the amount claimed, including principal, interest, fees, and any other charges.

3. Copies of all account statements from the original creditor proving the balance you claim I owe.

4. A full accounting of all payments made, including dates, amounts, and how those payments were applied.

5. The name and contact information of the original creditor.

6. Proof that the debt is still within the statute of limitations.

7. Proof that you are licensed to collect debt in my state.

8. A copy of the assignment or transfer of debt from the original creditor, with proof of the chain of custody if this debt was sold.

9. The date of the original debt and when it became delinquent.

10. Proof that this debt has not been discharged in bankruptcy.

11. The original creditor 's explanation of why this debt is owed.

12. A copy of the last bill sent by the original creditor showing the exact amount.

13. Documentation verifying that I am the correct person responsible for this debt.

14. Proof that you or your company is legally authorized to collect this debt in my state.

15. A complete history of the debt from its origination to the present day, including any additional charges and adjustments. 

If you are unable to provide these items, this will be considered a failure to validate the debt, and I expect you to cease all collection activities and remove any negative information from my credit report immediately. Failure to comply with this request will result in a formal complaint to the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ). 

Additionally, I reserve the right to pursue legal action for any further harassment or violation of my rights. I look forward to receiving your prompt response within the required 30 days. Please be advised that failure to validate this debt in full will result in my demand for its immediate removal from my credit report and cessation of all collection efforts.
Product: Debt collection

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL AND STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIME VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found on my credit report is not related to any transaction that I made. I am alleging that a person or company without my permission or authorization used my personal info to apply for goods, services or money and was successful in creating some accounts. All is currently being investigated by the FTC.
Product: Checking or savings account

I was received money for my tuition through XXXX frequently my account got closed and they said they are doing investigation for 10 business days it pass more than 20 business days I tried all means of reaching them I only received a check of XXXX $ and I havent received the remaining XXXX $ on checking account they gave me an extension number to call an agent XXXX but I never get to her they always keep me spinning me around
Product: Debt collection

I got behind on a credit card account with XXXX XXXX and the account was transferred to Portfolio Recovery Associates, LLC. Portfolio Recovery Associates, LLC assinged the account to XXXX XXXX XXXX attorneys to file a law suit against me. I receive a letter dated XX/XX/19 giving me 15 days to complete a form to avoid garnishment or pay the debt. I received the form a few days prior to the deadline not 15 days prior. I completed the form and sent in a check with the dollar amount the calculations on the form said I needed to send in to avoid garnishment. I sent the check in priority mail that had to be signed for to have verification and proof of the attorneys office receiving the payment. XXXX XXXX XXXX left the payment sitting at the post office for almost a week so that the time to receive payment would expire and they could proceed with garnishing my wages. In XXXX my wages were garnished for the full amount of the collection being paidout in my two checks received that month. It is now the middle of XXXX and I am receiving calls and collection letters from Portfolio Recovery Associates, LLC. stating I still owe {$550.00}. The balance owed was updated on my credit report after they received the first payment from the garnishment but they have not made any other updates since the middle of XXXX. I filed a dispute with the credit reports through my credit monitoring service of XXXX XXXX the middle of XXXX to get the balance updated and that dispute has been reported as resolved and that I still owe another {$550.00} by the credit report contacting Portfolio Recovery Accociates, LLC. This account has been paid in full for almost 2 months now and they are still reporting on my credit as outstanding. I called Portfolio Recovery Associates, LLC on XX/XX/19 after receiving another letter stating I still owe them money. They said I still owe money and they can't talk to me because my account has been assigned from them to the office of XXXX XXXX, XXXX. I explained the issue to Portfolio Recovery and they don't care they are not willing to correct what they are reporting on my credit report. My wages were garnished for more than the amount I owed ( owed around {$970.00} and my wages were garnished for {$1200.00} ) and this was completed prior to the end of XXXX. I want them to be forced to correct what they are reporting to the credit bureaus and I want this attorneys office and the collection company both fined so that they stop doing this to people. This is false information, I paid the debt in full almost 2 months ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX with XXXX XXXX Date Opened XX/XX/XXXX Hello I am not sure if I checked the correct radio button or not, however we did a voluntary repo in XXXX, the company sold the car and never sent us any documentation, we however disputed on transunion and XXXX and it was removed from XXXX but still showing on XXXX and transunion. However here is the issue this company has charged off the account and yet they have consistently being charging late fees every single month in the amt of the car payment which has now amounted to over {$20000.00} and we owed them less than this so I am really confused how we can be paying late fees on a closed account.We are really in need of help to have this removed and have this company really looked into. For both myself and my husband XXXX XXXX. Can you please help me with this. It shows closed since XX/XX/XXXX and yet they have been charging late fees every month up until XX/XX/XXXX. XXXX XXXX XX/XX/XXXX 2019
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive just reviewed my credit report and noticed the following inaccurate item ( s ) : XXXX Original creditor : XXXX XXXX XXXX Account : XXXX This letter is in response to your recent claim that the account ( s ) listed above have been verified and that the information they are reporting under my name is accurate. This is not my account.

I previously disputed this account. I dont agree with the results of your investigation. Please mail me the proof of your investigation, including person names you have contacted, addresses and the method you used to verify it, or remove the negative information.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information must be provided within fifteen ( 15 ) days of the completion of your investigation. 


Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I opened two accounts with XXXX XXXX, a Private Account of {$2000.00}, and a Store Account of {$2500.00}, in XXXX of XXXX. I noticed right away that I started having problems with them saying that they did not receive my payment in XXXX for the store account. And after I made a duplicate payment and called them the next day, they had both payments, but had charged me a late fee. I did not notice at the time but they had started reversing my payments even back then just to charge these fees. I had six months free of interest on the Private and a year interest free on the Store account. They charged interest on the Store account at six months, and I paid that and then they charged the other Private account the next month. On the store account, a fraudulent charge of {$75.00} was charged to my bank account by XXXX on XX/XX/XXXX, without my permission. There should have only been two {$75.00} payments for XXXX. I had my bank to investigate it and they found that XXXX did in fact make an unauthorized charge to my back account. At this point, I'd had enough and decided that I would pay the accounts off as soon as possible. So on XXXX XXXX I went into the store to pay the account off. I spoke with the manager at the XXXX XXXX location. He handled the processing of the final payment after calling into the accounts office to ensure that he got the correct balance on the Store account. He told me the full balance was {$1700.00} in which I paid in full, by giving him {$1800.00} cash. I also paid the Private account off on XXXX XXXX in the amount of {$770.00}. However XXXX went back and reversed that payment the same day it seems to try and charge me a late fee of {$42.00}. I then talked to my back and they suggested that I send a Cashier 's check in which I did. I am continuously getting bills from them saying that I owe them money. The latest bill has a New balance of {$100.00}, with a minimal payment of {$37.00}, due XX/XX/XXXX. These people have defrauded me out of hundreds of dollars and I am not going to pay a penny more. I want these accounts closed and I wan the to stop harassing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my THIRD letter to Experian, XXXX, and XXXX since XX/XX/2021. I am a victim of identity theft. I have been scammed and this is hurting me financially. 
I reviewed my credit reports. I am really confused because there are STILL fraudulent items that arent mine on there! Ive listed the details that need to be deleted right away due to identity theft. Im not sure who stole my identity but I need this resolved immediately. I am receiving generic letters saying the information remains? Why would an account opened as a result of identity theft remain on my profile? I dont get why theres still fraudulent items and a date of birth on my credit report. Its really bad.
Product: Credit reporting or other personal consumer reports

MY NAME IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. P.s This is holding me back from getting a new job, funding and a NEW HOME FOR MY FAMILY XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX ON XX/XX/2023 HAS PULLED MY CREDIT WITHOUT MY, THIS WAS DONE WITHOUT MY KNOWLEDGE, WITHOUT MY CONSENT. I NEED THIS TO BE REMOVED FROM MY TRANS UNION CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been an initial & extended Fraud alert applied to my Credit report. This is the current status at XXXX, Experian & XXXX credit bureaus.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. 

I contacted the below creditors on XXXX XXXX in regards to the unauthorized inquiries and they have NO proof I initiated such Inquiries, nor written authorization and have failed to provide any permissible purpose. Since they do not have my authorization, written or verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 
The list of accounts below have violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : U S DEPT OF EDXXXX XXXX Account Name : XXXX, XXXX XXXX XXXXXXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : DEPTEDXXXX XXXXXXXX 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 that consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other 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 card

This has happened multiple times, but the most recent fact pattern is : On XX/XX/XXXX, I made a payment ( via app ) to my Citi credit card in the amount of {$10000.00} ; I believe this was the statement balance due by XX/XX/XXXX. On or about XX/XX/XXXX, my purchases started to be declined. I called Citibank and was told the card was maxed out, despite the fact that the IVR indicated there was open credit ; app also showed XXXX payment had been applied and credit line opened. Citi rep informed me that the XXXX payment was being held until XX/XX/XXXX. Why? Good question. First they said it was " fraud indicators. '' I asked what fraud indicators and rep said no, there are no fraud indicators. Then I was told " account is new. '' It's not that new. Then I was told it was because I made " multiple payments. '' I only made the one payment, and there was another minimum auto-tpayment made as is scheduled every month ( a service Citi offers and presumably encourages ). 

I've had this same problem before and was told that once I let the hold expire once, it wouldn't happen again. I did that and yet here we are. I asked for a supervisor. Specifically, I asked for an on-shore supervisor because the initial rep was off shore and difficult to understand. 

Next, Citi rep asked me if the bank holding the paying account was open. How am I supposed to know that, and how is it my responsibility? After much angry arguing, Citi connects to XXXX, the bank where my payment DDA is held. XXXX confirms that the payment was initiated on XXXX and posted on XXXX. Citi then decides it can apply the payment. 
How long is Citi allowed to " hold '' the payment once the money is posted out of my payment account? Why did it take me 2 hours of extremely frustrating phone calls to effectuate a payment that I made 12 days earlier? Citi consistently prevents me from both using this card and from paying this card. 

I requested information on why this happens, what authority they have to do it, and why it happens to me specifically. I have never missed a payment, I don't carry a balance, I have an XXXX credit score. What factors are motivating Citi not to apply a normal, expected, on-time payment? Are they trying to force this account into a bad status?
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPT OF EDUCATION/XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATION/XXXX XXXX DEPT OF EDUCATION/XXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to submit a formal complaint and dispute regarding inaccurate information on my credit report, which I believe violates the Fair Credit Reporting Act ( FCRA ). On XX/XX/XXXX, I contacted Experian regarding the following incorrect information on my credit report, and to this date, they have not responded. I kindly request your assistance in addressing these discrepancies. 

Account Name : XXXX  Date Opened : XX/XX/XXXX Balance : {$2900.00} ), ( Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} Original Creditor : XXXX XXXX ), ( Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX ), ( Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} Original Creditor : XXXX XXXX XXXX ) , ( Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$820.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX  ), Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Original Creditor : XXXX  ), ( Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ) The above account does not belong to me. I request that you remove this account from my credit report.
Product: Credit card

Tried to use my card for a {$170.00} purchase today and it continued to decline. I then tried to login online and it says not available for all my data. Called the XXXX number and the XX/XX/XXXX rep that's nearly impossible to understand said there was a " security block '' placed on the card and said the reason was because I updated my profile online. 

This is ABSURD. If someone updates or changes a phone number on the account Concora Credit blocks their account? ... and according to this rep there is no option to unfreeze the account over the phone and rather I have to fax them my ID? I have already faxed them my ID when the account was opened. 

This behavior by Concora Credit is insanely ABUSIVE to consumers. They offer you the card on XXXX XXXX, you apply and get a credit inquiry ; then subsequently they frivilously block your ability to access your account and use your card for NO REASON. 

They are likely doing this across thousands of card holders to charge annual fees then subsequently block consumers ' ability to use the card resulting in the card being closed ; Concora Credit pocketing the annual fees and continuing this perpetual cycle of consumer abuse!!!