23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I saw a negative item on my credit report associated to an LVNV Funding LLC in the amount of XXXX. I contacted LVNV Funding LLC to request documentation of the debt. I was advised that they do not have that information and it was placed with Resurgent Capital Services LP for collection. I contacted Resurgent Capital Services LP to request documentation of the debt. 

On XX/XX/XXXX I received a letter, a single invoice dated XX/XX/XXXX, and an account statement printout with various involved entity names.. 

I have 3 distinct concerns related to this account which Resurgent Capital Services LP purports is related to a XXXXXXXX XXXX XXXX XXXX XXXX 

1 ) The Letter states " As of the date of this letter the balance owed is {$910.00}, which includes {$0.00} of interest. '' The invoice, dated XX/XX/XXXX states : " Total interest charged in XXXX : {$130.00} ''. 
This interest amount represents approximately 14.66 % of the total balance being pursued, which Resurgent Capital Services LP misrepresented as {$0.00}. 

This is a blatant, obvious, and clear misrepresentation and is not consistent with FDCPA, FCRA, and the laws of Washington state or South Carolina state. 

The invoice also states : " Total fees charged in XXXX : {$380.00} ''. 
These fees represent approximately 42 % of the total amount, and were not delineated as a separate portion of the amount placed for collections. 

2 ) The invoice provided does not suffice to demonstrate the validity of the original debt that is being claimed. There is no supporting documentation to indicate the validity of the original account with the creditor, nor is there documentation to indicate the right of either LVNV Funding LLC or Resurgent Capital Services LP to pursue the purported account. 

3 ) On XX/XX/XXXX, at approximately XXXX XXXX PST I contacted Resurgent Capital Services LP at XXXX. I was advised by their agent XXXX that I am obligated to provide my full social security number. I offered to provide the Reference ID in the letter sent from Resurgent Capital Services LP. The agent insisted I must provide my FULL SSN 4 times on the call, before I requested an escalation. 
This is explicitly advised against in Consumer Facing guidance on the CFPB website. Demanding provision of a full SSN is not consistent with the CFPB guidance and FDCPA obligations, and the repeated insistence is indicative of a training XXXX  by Resurgent Capital Services LP to demand this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not provided this company permission or a signed authorization form to do a hard credit pull on my report XXXX2017 or XXXX2017. I have reported this to Equifax, they did not investigate and told me to take it up with the fraud dept of the business, Well the business is a small company and there is 4 workers and a manager there, no internal fraud dept. when I called CFPB they told me that I needed to contact State Banking Auth of LA as I did. The person I spoke with stated that the DoddFrank Wall Street Reform and Consumer Protection Act has shifted some roles and responsibilities but she still was unsure why CFPB could not assit me being that this place is NOT a credit union/bank/payday lending company. But is labeled as a Consumer Finance & Loan Company.
Product: Debt collection

I had a payment arrangement set up with CFS for a loan I cosigned on ( due to my limited budget ) and they have violated that arrangement multiple times and have taken payments without my approval multiple times. They have harrassed me at work regarding payments even though i have stated they can not do so and by doing so they are violating the law and harassing me. I have tried to speak with the manager multiple times and i can never catch him while at work. Today I called because, yet again, they have taken a payment out of my bank account and spoke to the " new manager '' XXXX. She was absolutely rude and would not let me finish any sentences. I explained that they needed to stop taking payments that are not approved and she said they were not going to do anything until my balance was brought up to date. I tried to explain that i am paying all that i can currently and can not pay any more than I am. She stated that they were NOT going to stop. She was completely nasty, unprofessional and offensive. I have also never received a receipt from the payments i have made and have requested. Each time i have requested receipts they explain they can not give me any receipts even though they are payments from me because they need the contract owners approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX amd I am submitting this CFPB complaint to you today to inform you that I was a victim of identity theft. I researched on how to remove the fraudulent accounts and information in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information listed on an ID THEFT REPORT. Please find the ATTACHED documents to assist in the REMOVING of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall REMOVE any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Product: Student loan

A couple of issues : when I make a payment, those payments take up to three days to show up as pending on my account. I have made payments and then gone back to look to see if they are there only to not see the payment I made. Twice now I have made an extra payment because of this issue. 

Aidvantage will not pick up my calls in a timely manner. I call at exactly XXXX XXXX  and I am still on hold for XXXX mins to speak to a rep. 

Aidvantage will give me an error saying try this payment later after I hit submit. Well, those payments go through and I end up paying Aidvantage extra money due to their website issues. I am currently XXXX business days into a wait for my refund. This is all unacceptable.
Product: Vehicle loan or lease

I attempted to assume a lease with BMW financial services. I was required to submit a {$500.00} assumption fee. They had me waiting for 2 months and cancelled my assumption and are refusing to refund me my assumption fee. They said to give them the last XXXX of the card used but that transaction was made 2 months ago and I dont have that card anymore. They are being dishonest and wont give me my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19 Tried to open a Gas credit card for my business and gave XXXX/XXXX  my business EIN number to open an account with XXXX, but XXXX/XXXX  informed me that my business didn't have a strong credit history. And wanted me to give them my personal social security and I declined to used my S.S number, so I cancel the credit application. 
And the next day XXXX  XXXX informed me that I had a HARD INQUIRIES! when I check my credit report, it was XXXX. Shack!!! I didn't gave XXXX the permission to pull my personal credit.
Product: Mortgage

I have purchased my home in XXXX 2003. My original mortgage was at XXXX and had a PMI of {$270.00}. I borrowed XXXX I have purchased my home in XXXX 2003. My original mortgage was at XXXX and had a PMI of {$270.00}. I borrowed {$110000.00} I currently owe more than I borrowed and have given lump-sum payments of {$10000.00} {$5600.00} and XXXX loan of XXXX. Although I had missed payments in the past I always pay the lump sum they asked to bring Current. My mortgage has been with fa my mortgage has been with Bank of America they stated they have given me a modification down to 5 % I have always paid lump sums to catch up but I currently after XXXX years in the home owe more than I borrowed. Bank of America they stated they have given me a modification down to 5 % I have always paid lump sums to catch up but I currently after XXXX years in the home I know more than I borrowed XXXX years ago I have received no help from bank of America. I need help. I know more than I borrowed XXXX years ago I have received no help from bank of America. I need help They have improperly reported my credit. Plus jduring the course of the loan I was paying more than the original amount of XXXX per month. I can be reached at XXXX XXXX or XXXXXXXXXXXX
Product: Debt collection

I had a XXXX account when I was XXXX XXXX XXXX, and because you have to be at least 18 years of age to have a XXXX account, I believe the Informations was sent to credit card companies and then credit cards were sent to our address. When my father ran out of money to lay for food and other necessities I pointed out that we had credit cards that kept being sent to us, and so we used one to pay for food and other necessities. Shortly after the credit card was used, a serious family problem occurred which resulted in forgetting about the use of the credit card. About a decade later ( now ) I decided to get a Capitol One credit card, and when I signed up for it, there was no mention of a credit account in my name before my current one. A month or two after I got the Capital One credit card I was sent a paper in the mail from XXXX XXXX XXXX XXXX ( XXXX ) saying that I owe them {$450.00} because they bought my previous Capital One credit card debt. I then disputed their claim because I assumed they were talking about the credit card I got just after turning 18 and they sent me copies of papers of Capital One saying that the XXXX acquired my credit card account with a balence of {$450.00} ( The credit card used for buying groceries ). My father and I then decided to call XXXX and see if we could somehow get the debt transferred to his name without any record of this debt being in my name. They then proceeded with telling us to pay it off and it will no longer be there but that didn't help us since there was still a chance for it to show up as a paid debt in my credit report.
Product: Credit reporting or other personal consumer reports

This List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
AccouXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$990.00}, Account DPT EDXXXX : # XXXX {$2200.00}, Account DPT EDXXXX : # XXXX, Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account DPT EDXXXX : # XXXX {$3000.00}, Account DPT EDXXXX : # XXXX {$1700.00}, AccouXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$22000.00} XX/XX/XXXX : # XXXX Account DPT EDXXXX : # XXXX {$4400.00} XX/XX/XXXX, Account DPT EDXXXX : # XXXX {$8500.00} XX/XX/XXXX, AccounXXXX XXXX  {$11000.00} : # XXXX, Account DPT EDXXXX : # XXXX {$2100.00}, has violated my rights. 

I looked at my XXXX credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 XX/XX/2020, my car was stolen. I reported it stolen to the police & have been trying to obtain the police report since. I have let XXXX and my gap insurance know this. XXXX has payed {$10000.00}, their portion toward the car. The gap insurance says that they need the police report to pay for the other {$4000.00} ; however, before I could get the police report the car was placed negatively on my credit. I have been trying to obtain a police report, but due to Covid, XXXX City Hall is closed. The gap insurance refuses to take the information to obtain the police report themselves.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres address listed I never lived there and also incorrect addressTHE ONLY ADDRESS SHOULD BE ON MY CREDIT FILE IS XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Fl XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Subject : Complaint Against Wilshire Financial for Predatory Lending Practices Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Loan Star Title/Wellshire Financial Services on behalf of XXXX XXXX XXXX On XX/XX/2023, XXXX XXXX unknowingly entered into a predatory lending contract with the company, which has led to unfair and deceptive practices that violate her rights as a consumer. 
Loan Star Title/Wellshire Financial has violated Section 83.501 Maximum Interest Charge XXXX XXXX Code 342.01 ( a ) and Finance Code Chapter 302, which state that the maximum rate or amount of interest is 10 % per year. They have also violated Texas usury protection laws, as the Texas Constitution prohibits lenders from charging more than 10 percent interest ( Article 16, Section 11 ). Contracts without a rate of interest agreed upon should not exceed 6 %, and this section also limits interest rates on judgments to 18 %. 
This company has over 100 complaints regarding predatory lending and unfair deceptive practices. During our investigation, we found numerous consumer reports stating that the company is preying on the vulnerability of consumers in need, asking intrusive questions about their circumstances to exploit their desperation. In In XXXX XXXX case, they are charging her an interest rate of 320.4627 %, which is illegal according to Texas lending laws and the Texas Constitution. 
This predatory interest rate sets consumers up for failure, as many Americans are already struggling financially. With no hope for repayment and no hope for the consumer to ever retrieve their vehicle, we believe that this company is acting maliciously and causing harm. 
We are prepared to pursue a class-action lawsuit if the matters stated in this complaint are not addressed. As XXXX XXXX was coerced into signing an illegal contract and the company has forged consumer signatures on documents, this We have included the attorney generals office and the lenders association in this complaint. We do not seek to harm or defame the character or business practices of Wellshire Financial. Instead, we demand that all monies given be returned to XXXX XXXX 
XXXX, the predatory agreement be canceled, XXXX XXXX be compensated for damages and awarded {$10000.00}, and the title be returned. We also request proof of ownership of how the company obtained the loan, the actual cash value of the loan, and records of legal tender. 
We await your response and look forward to reaching a settlement agreement that resolves the issues outlined in this complaint. 


Attatched Below is the complete complaint for your review.
Product: Payday loan, title loan, or personal loan

Sometime on or around X/XX/17, the company called 2 of my references to collect a loan. How I found out is both references called me in regarding the call they both received from the company. The company stated to my references, " this person ca n't pay his loan, is there anyway you can get ahold of him ''. Now I understand calling my references to get in touch but where I 'm upset is that told my references personal business that should of stayed between the company and myself. I explain to the company numerous times that I lost my job to give me some more time. I will make a payment. They undertood and my story did n't change. But for them to call my references and say I ca n't pay my loan is no one else 's business. I read my contract, and it does n't say the company has the right to tell anyone my persianl sisuation.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681c-2 a 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 after the date of receipt. It has been 30 days and you are in VIOLATION of this law because i am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts list IMMEDIATELY! 
Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I have accounts showing up on my credit report that is hurting my ability to apply for new credit. I have tried repeatedly to get verification of debt or any information on the debt being shown in my name to no avail.
Product: Credit reporting or other personal consumer reports

Hi my name is XXXX XXXX and this is your **final and non-negotiable** demand to **immediately** delete all inaccurate information from my credit report. Your actions are not only a blatant violation of federal law, but they are also an intolerable assault on my rights as a consumer. 
**Pursuant to 15 U.S.C. 1681b**, you are illegally reporting and sharing my personal information without my explicit authorization. 
**You do not have my consent, and you have never had my consent** to access or report any information tied to my name. Your unlawful actions are an egregious breach of federal law, and I will no longer tolerate it.Additionally, my credit report contains **unauthorized inquiries** that I did not initiate, which makes me a **victim of identity theft**. 
**Under 18 U.S.C . 8**, I owe **absolutely no debt** to the companies listed. Your failure to delete these inaccuracies immediately will result in **severe legal consequences**. I will **not hesitate** to pursue every available legal avenue to hold you accountable, including but not limited to : 1. Filing formal complaints with the **Federal Trade Commission ( FTC ) ** and the **Consumer Financial Protection Bureau ( CFPB ) **.

2. Initiating civil lawsuits for violations of my rights under the **Fair Credit Reporting Act ( FCRA ) **.

3. Seeking **statutory and punitive damages** for your gross negligence and failure to comply with federal law. 
You are hereby notified that you have **no further opportunity** to delay or ignore this matter. I **demand** that all incorrect entries and unauthorized inquiries be deleted **immediately** and **permanently**. This is your **final warning**, and I expect **written confirmation** of the deletions without delay.If I do not receive confirmation of the deletions within the next 10 business days, I will proceed with full legal action, which will result in **significant consequences** for your continued disregard of federal law.