23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan

I missed the payment date a few years back and forgot all about it, they never emailed, never called then all of a sudden today another company called Cash Advance emails me, telling me they are going to contact the police and that i 'm going to jail if i do n't pay them {$640.00} via a XXXX card. when i asked them why could i not do it with a money order and mail it to them they refused and now they are saying i have to get a lawyer and pay {$8000.00}. they also refused to allow me to make payment arrangements with the company i took the loan out with ( 2 years ago ).
Product: Credit reporting or other personal consumer reports

XXXX is inaccurately reporting a student loan account with a balance that was closed by the XXXX XXXX XXXX XXXX last year.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Debt Collection Practices Act ( FDCPA ), Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/1977 XXXX and as subsequently amended ) is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. The statute 's stated purposes are : to eliminate abusive practices in the collection of consumer debts, to promote fair debt collection, and to provide consumers with an avenue for disputing and obtaining validation of debt information in order to ensure the information 's accuracy. [ 1 ] The Act creates guidelines under which debt collectors may conduct business, defines rights of consumers involved with debt collectors, and prescribes penalties and remedies for violations of the Act. [ 2 ] It is sometimes used in conjunction with the Fair Credit Reporting Act. [ 3 ] [ 4 ]
Product: Mortgage

I have contacted Mosaic Solar Financing on XX/XX/2020 and XX/XX/2020 to ask them to properly report the loan I have with them on my credit report. They are reporting the loan I have as a Mortgage. It is not, it is a personal loan secured by the Solar Equipment on our home. There is no mortgage with Mosaic Solar recorded against our property. The inaccurate and misleading reporting as a mortgage is causing an issue with my ability to refinance my house.
Product: Credit reporting or other personal consumer reports

Bunch of hard inquiries for auto loans I did not approve. Plus credit inquiries. All almost XXXX years old.
Product: Credit reporting

Security Finance XXXX of Missouri should be taken off my report. They were closed in 2007. They XXXX say closed but yet it shows open on XXXX of them. I do have credit with XXXX 's XXXX, XXXX and XXXX, XXXX 's and XXXX door and have pad off early and always on time. When I try to get my credit report through XXXX none of my info matches. I was notified by Illinois XXXX that a person in XXXX has stolen my identity. I have been to the local police and contacted social security about this with no resolve. The person goes by XXXX ( not sure of correct spelling ) and her info is on my credit reports. She has used my ss # to get a job with a temp service in XXXX. She has not filed taxes on her income or it would show on my social security and I am XXXX. If taxes were ever filed, I could be in big trouble and lose my XXXX and have to repay my income because of this person. I would really love to get these issues solved and get my credit where it should be. I also have a judgement against me from XXXX XXXX that was discharged on a bankruptcy and my lawyer told me not to show up in court. This happened in a XXXX Missouri court and now is on my credit report. I would love to get this mess cleared up. Thank you for your time. This person owns a home and has credit cards. I do n't get that priviledge because my credit shows up as poor, while this foreigner who is probably here illegally is enjoying what is rightfully mine! 

XXXX XXXX
Product: Debt collection

Subject : Complaint Regarding Continued Contact by LVNV Funding LLC Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a concerning issue involving LVNV Funding LLC and their persistent communication with me after I explicitly requested them to stop. The collection account reported by LVNV Funding LLC on my credit report, dated XX/XX/2024, pertains to an open account with a balance of {$840.00}, originally held by XXXX XXXX XXXX  XXXX XXXX. 

Despite my clear and direct request for LVNV Funding LLC to cease all communication with me regarding this collection account, they have continued to contact me via phone calls and written correspondence. This ongoing contact has caused me significant distress and frustration, as I have made it unequivocally clear that I do not wish to be contacted further about this matter. 

The repeated attempts by LVNV Funding LLC to reach out to me after I explicitly asked them to stop violate my rights under the Fair Debt Collection Practices Act ( FDCPA ). Their actions have not only disregarded my request for cessation of communication but have also disrupted my peace and privacy. 

I am requesting the Consumer Financial Protection Bureau to investigate this matter and intervene on my behalf to ensure that LVNV Funding LLC complies with the FDCPA regulations. I seek your assistance in addressing the unauthorized and persistent contact by LVNV Funding LLC and in taking appropriate actions to stop these communications immediately. 

I appreciate your prompt attention to this complaint and your efforts in resolving this issue. Please keep me informed of any actions taken and the outcomes of the investigation with LVNV Funding LLC. 

Thank you for your assistance in protecting consumer rights and enforcing fair debt collection practices. 

Sincerely, XXXX XXXX
Product: Debt collection

TODAYS DATE : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT National Credit Adjusters Reported : XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious National Credit Adjusters Reported : XX/XX/XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company. Stop collection proceedings against me and remove my information from your database. SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DE XXXX
Product: Credit reporting or other personal consumer reports

A complaint regarding inaccuracies on my credit report concerning a debt that has been charged off by XXXX XXXX XXXX, which has not provided me with a Form 1099-C ( Cancellation of Debt ) as mandated by IRS regulations . This Company is still reporting this account as income and therefore illegal and needs to be reported to the IRS. Details of the account are as follows : TransUnion Consumer Relations File, charged off amount is {$620.00} and closed as of XXXX 

I kindly request your assistance in this matter and ensure that accurate reporting practices are followed. I would appreciate upon your assistance and completion that this account be removed from my credit report, or I will have no choice but to contact the IRS and report FRAUD on this account. Please provide me proof that this account was deleted from my credit report within 30 days of filing this complaint, or this company will leave me no recourse but to proceed to the next course of action.
Product: Debt collection

This account appeared on my credit report and I have no knowledge of this account. I have not signed any documentation stating that I know anything about this account. I want it removed from my credit report till signed documentations with my signature is provided.
Product: Debt collection

XX/XX/XXXX USAA confirms to collect a debt USAA temporary credits will REMAIN permanet. 
See attatched XX/XX/XXXX STATEMENT ONLY CREDITS {$340.00} ARE FROM MERCHANTS. USAA DESTROYED MY CREDIT TO COLLECT WHAT IS NOT OWED.
Product: Student loan

In early XXXX, there was a huge lawsuit against Navient from the state of California to wipe out private loans for those that attended the listed " for profit '' schools throughout the US in which one of the schools listed is XXXX XXXX University that I attending from XXXX. After reading an article about this lawsuit, I was expecting a letter for some or all forgiveness of my private loans but I received a statement of payment instead. I called Navient why my private loan was not part of the lawsuit and they mentioned it was because my loan was not in delinquency therefore my loan was not a part of the lawsuit. I explained to them that if I had not attended school in the past 2 years, my loans would have been in deliquency as my loans were in forbearance for several years because I couldn't pay what was expected from Navient. They tried to tell me that I would be able to pay off my interest only for 6 months for about $ XXXX month but even that isn't manageable for me. I asked them if I could someone come to the agreement of paying XXXX or XXXX a month toward my loan but they said I can but it would still put me in default. Since then I have not been able to make a payment and am now 5 months behind so recently they sent a letter that they are going to take legal action. I don't understand why my loan was not a part of the lawsuit. Despite the status of my loan, the lawsuit that won against Navient were allegations against the for-profit schools that took advantage of borrowers by adding illegitimate charges and predatory lending practices. I graduated in XXXX with XXXX in debt and now I am more than XXXX in debt in which I will never be able to pay off. Please see the link below about the lawsuit. 

https : //www.navientclassactionlawsuit.org/do-i-quality-for-navient-settlement/
Product: Mortgage

I recently worked with XXXX Housing department and theyhelped me with the modification packet and helped prepare me with alldocuments to make sure the evalulation could be done. That was onXXXX XXXX. My mortgage company NationStar wrote a letter confirmingthey received my request for modification on XXXX XXXX and theyalso informed me that they would not forclose or that I would not loosemy home during this time of evaluation. I provided all documents as re-quest of me on the time frame that was asked from me. attached is allthe documents and dates, and faxes that pertain to my modification. onXXXX XXXX the mortgage company posted a legal court documentstating that my property was sold. They sold my property without noticeand without a fair chance at the modification or notify me that I did notqualify for the modification. My rights have been violated. I have lived inmy home for over XXXX years and I am devastated. Please Help!
Product: Mortgage

XX/XX/XXXX After reviewing my 3 Credit Reports in early XX/XX/XXXX I noticed that Wells Fargo incorrectly reported some months in XX/XX/XXXX where I was going through a Loan Remodification with them as late. However, I was not late with them because that was during the time I was given a new payment and a trial period where I could NOT be late or else the loan modification would have been forfeited. 

I sent the letter below to them address to XXXX XXXX at the XXXX XXXX, IA office on XX/XX/XXXX " From XX/XX/XXXX- XX/XX/XXXX I  was behind on my mortgage. In XX/XX/XXXX, the short sale process was initiated. I had to submit a Hardship Letter to Wells Fargo ( attached ) in XX/XX/XXXX. Up until XX/XX/XXXX Wells Fargo was asking for additional documents to push through the short sale ( attached ). 

In XX/XX/XXXX I was motivated to keep my house because Wells Fargo contacted me about the Loan Remodification program and in XX/XX/XXXX my loan remodification was accepted ( letter attached ) and I was put on the FHA HAMP trial plan from XX/XX/XXXX - XX/XX/XXXX. All of which I paid on time. I was working with XXXX XXXX/Home Preservation Specialist. 

However on my XXXX and XXXX  credit reports it indicates that I was 180 days late in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. In addition, I was on time from XX/XX/XXXX through XX/XX/XXXX. 

Both credit reports have me listed as 180 days late in XX/XX/XXXX which doesnt make any sense, since my credit reports have me being on time the previous 4 months ( XX/XX/XXXX - XX/XX/XXXX ). ''
Product: Credit card or prepaid card

This is in regards to XXXX XXXX XXXX  and they're XXXX card I was told that they needed a copy of my driver license or some form of government ID and Social Security card and they were kind of unclear about the other item was something that would be mailed to my residence so I went into a local bank and I gave them my driver license social security card a copy of my health insurance with XXXX XXXX that I've had for going on three years now and my XXXX cell phone bill thinking that that would be acceptable and then this morning I got a call kind of early on a Saturday morning at XXXX and rather than the guy telling me what he could except he just kept talking in terms of a setback and tell me what he could not accept and finally after
Product: Payday loan, title loan, or personal loan

I went to A1 Action Cash to get a loan on my car in XXXX XXXX and I paid on time. In XX/XX/XXXX the car stopped running but I continued to make payments on it. In XX/XX/XXXX I took the car to the dealership to attempt to get it fixed. I paid {$500.00} in attempt to fix what the dealership said was wrong with it. I told the office manager that I could no longer pay off the loan because of financial issues but she refused to go get the car because it was inoperable, although I told her where the car was located. She filed criminal charges against me with malicious intent to have me put in jail even though a crime has not been committed. When we showed up in court, she committed acts of perjury stating that she called the dealership and an employee told her that there was a storage fee of {$500.00} which was not true because I paid my service repair fee in full on XX/XX/XXXX. I also went to the dealership and spoke to the service supervisor to ask if I owed anything that I was not aware of and he told me that I paid what was owed which was only {$500.00} for the service that was done on the car. I did not owe any storage fee.
Product: Mortgage

I purchased a house with a Veterans Administration ( VA ) loan. It was discovered that the house has an illegal septic tank that doesnt meet the minimum legal requirements. The house is located in XXXX XXXX, XXXX XXXX. XXXX XXXX law says that the septic tank should be located more than XXXX feet away from the house. [ unintelligible perhaps According to the lenders notice ], the appraiser agreed that it had to be inspected by the Department of Health for certification. It was not inspected and the closing on the loan took place anyway. I just got that inspection done, and the septic tank is not in compliance for the closing on the mortgage loan to have occurred. I stopped making payments, and the bank damaged my credit. The house cant be sold. What do I do?
Product: Debt collection

After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under Account Services Collections. I requested a validation on XX/XX/XXXX as this was an account that I did not recognize as original owner is reflecting as XXXX XXXX XXXX which I have never been associated with. I reviewed my credit report again on XX/XX/XXXX and account continues to reflect on my credit report, is not listed as disputed and I have not received any correspondence from creditor to validate this account as correctly belonging to me. Therefore on XX/XX/XXXX I sent a 2nd validation letter. Credit report was reviewed again on XX/XX/XXXX and still no validation was received and no updates were made to my credit report. I do not believe this account is valid and correct as it does not belong to me nor that the creditor has authorization to attempt to collect on this account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that this account belongs to me and all information is correct.
Product: Debt collection

After contacting XXXX, when United Recovery Systems would n't allow me to make payment arrangements, they contacted me and told me to contact them. XXXX gave me URS 's wrong contact number. XXXX gave me the following number XXXX, which is the XXXX XXXX service desk. I XXXX URS 's number XXXX, called them XXXX, and was forwarded to a machine to leave my name and contact number. I did that, the first contact was XX/XX/2015, the last contact being XX/XX/2015, and no one has returned both calls.
Product: Mortgage

In XXXX of this year, when applying for a new home, I found out that TD Bank modified a current loan that I have with them, without my knowledge or consent. 
This loan is a mortgage that I entered into with my now ex wife. I am the borrower and my ex wife is the co- borrower. 
My ex wife was awarded our marital home during our divorce in XXXX however, a refi was never done and I remain on the loan. Under our divorce decree, she is to sell the home once our youngest child reaches 18 years of age. After the sell, I am suppose to be awarded {$22000.00} for my share of the homes equity. 
In XXXX of XXXX my ex wife applied for a loan modification with TD Bank. TD Bank ran my credit and approved this loan modification without ever contacting me or receiving my consent. When I found out about the modification I contacted TD Bank but was only passed along from person to person without any answers. After several attempts to reach someone in management I finally spoke with a young lady who tried to resolve the issue by asking me to sign a quick claim deed so that I could be removed from the loan but she explained that if I signed the quick claim deed that I would no longer be able to receive the settlement amount of XXXX that is stated in my divorce decree. I did not sign the quick claim deed. They have committed fraud. I should not lose out on what has been awarded to me because of their malpractice. I want to be removed from this loan immediately so that i can move forward with my life.
Product: Debt collection

choice recovery trying to exploit money for XXXX XXXX  for XXXX  which wasnt paid because XXXX XXXX  failed to do the job on retaining a XXXX condo  which my new attorney retained. i fired XXXX XXXX  for not doing the job.XXXX  wanted me to sign a quit deed with a practice manager as my attorney. my new attorney is seeking legal action against choice recovery and damaging my credit score
Product: Credit reporting or other personal consumer reports

I would like to dispute an inaccurate, untrue, incomplete, untimely, not compliant, and/or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, Metro 2 Format compliant or else wise compliant to every single one even each any and all of the regulations applicable laws and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort. 

Your agency is in violation! 
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. 

The following challenged information is among such allegations of which each and one all require immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question. 

Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 my cashapp account was frozen due to " unusual activity ''. This happened just as I tried to send some money to another user. I immediately emailed support to have my account unlocked and have emailed daily since then it is now the XXXX of XXXX and no response. I also attempted to call the cashapp customer service number but can not contact a real person at that number. The automated message just directs me to send an email through the app which is what I have done daily since it was locked. My account has just over 2,000 dollars In it and it is vital to my financial wellbeing that I am able to access these funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, misleading information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Report : XXXX  Inquiry Date XX/XX/2020 ; XXXX  Inquiry Date XX/XX/2020