23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX  I was issued a 1099c for my second mortgage. At tax time I had to claim the amount forgiven as income. 
I was then informed that I still have to pay them for the forgiven amount. I was kinda XXXX on this and started making payments of {$200.00} per month. 
I later found out that if you had to claim the forgiven amount as income then you do not have to repay so I stop my monthly payments and they put a lien on my house
Product: Debt collection

This has been an ongoing situation. I spoke with Ms. XXXX who informed me the column on the document she mail back to me DID NOT say PROCEDURES, instead it list codes. Ive attached said document. It indeed list XXXX XXXX XXXX XXXX XXXX XXXXXXXX. These are procedures. This violates HIPAA. I filed a complaint with HIPAA on last week via this address XXXX XXXX XXXX 

I had the right to validate my debts with Smith, Rouchon , & Associates. Instead, they violated my privacy laws. Ms. XXXX told me to contact her with my lawyer and this would continue to damage my credit. I did not sign a HIPAA form allowing this company to remove this debt. THEY VIOLATED HIPAA!
Product: Student loan

Payment made on XX/XX/2020 of {$26000.00}. Clearly directed to pay off the balance of 1 out of 2 existing loans. Instead the payment was split to go mostly toward the other loan. This is one of many times Navient has redistributed my over-payments in a manner other than I have directed.
Product: Credit reporting

In XXXX of 2016 my wallet was stolen. I filed a police report with my local law enforcement : XXXX Police Department. Soon thereafter my identity was used to acquire various accounts, namely a car loan with XXXX in XXXX, CA. They opened an auto loan with XXXX. Once this was brought to my attention I immediately contacted the detective I was working with at the XXXX Police Department. The detective contacted the General Manager, XXXX at XXXX and after a thorough investigation it was deemed by the General Manager, XXXX at XXXX as well as the detective with the XXXX Police Department that this was in fact fraud. I am providing ALL documentation to evidence such. I have requested multiple times that Transunion remove the Charge Off showing under my name with XXXX and Transunion as well as XXXX are REFUSING to remove this Fraudulent information which is preventing me from qualifying for a home loan and any other type of credit.
Product: Credit reporting or other personal consumer reports

REGIONALAC ( Bank ) XX/XX/2024 This is a hard inquiry from a company that i did not authorize access to my personal information
Product: Debt collection

Sequium Asset sent a collection notice dated XX/XX/19. I sent them a letter requesting that they validate the debt. The letter was sent certified mail and was received on XX/XX/19. I did not receive a response from Sequium Asset Solutions but the item appeared on my XXXX credit report. They did not respond to my request that they validate the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I could not find the proper issue Im having. During the XXXX year of pandemic, I put all my cards to minimum pay because of all the uncertainty happening. Mind you Ive never missed a payment, or was I late with payment. My score went from almost XXXX to XXXX. This made it impossible for me and my young family to get into a house this year. I recently payed my dept off and my score is the same. But XXXX forbid you miss a payment, they will drop it by XXXX points. I got turned down for a car and a house that me and my family are in need of. Can we please get an explanation of why the credit companies were even allowed to mess with your credit during the pandemic year??? I have XXXX small kids that need a home and Im not given a shot to buy a home because of XXXX and XXXX credit companies.
Product: Debt collection

i have a couple medical bills reporting from collection agency i asked for proof of accounts and i never received docs on this this accounts and they still shoeing on my file.
Product: Vehicle loan or lease

I HAVE A XXXX XXXX XXXX THRU KIA FINANCE AND I WANT TO KEEP IT. I CALLED AND TOLD THEM I WANTED TO PURCHASE THE CAR, THEY TOLD ME TO FILL OUT THE ODOMETER READING FORM, WHICH I DID. THEN ON XX/XX/XXXX I CALLED FOR THE PAY OFF AMOUNT AND THE GENTLEMEN TOLD ME WHAT IT WAS AND CHECKED TO SEE IF THE ODOMETER READING FORM WAS SUBMITTED. MY PAYMENTS WERE DUE ON THE XXXX AND THE MORNING OF THE XXXX I PAID OVER XXXX TO SETTLE THE LEASE PER THE PAY OFF QUOTE THE EVENING BEFORE. AFTER SEVERAL WEEKS I CALLED TO ASK ABOUT MY TITLE IF IT WAS MAILED OR GOING TO BE MAILED. I WAS TOLD MY PAYMENT WAS IN " SUSPENSION '' AND I NOTICED THAT ALTHOUGH I GOT AN EMAIL STATING THEY GOT THE XXXX, IT WAS NOT POSTED TO MY ACCOUNT TO CLOSE THE ACCOUNT. THEY HAD TO PUT A WORK ORDER IN TO ESCALATE IT TO THE DEPARTMENT TO CLOSE MY ACCOUNT AND TOLD ME ONCE THEY CREDITED MY ACCOUNT THAT THE TITLE WOULD GO OUT IN 7-10 DAYS. THAT WAS XXXX WEEKS AGO. I TALKED TO A MANAGER SHE LOOKED AT MY ACCOUNT AND SAID IT SHOULD ONLY BE 2-3 DAYS AND I COULD EXPEDITE IT IF I WANTED TO FEDEX IT. WHY SHOULD I PAY FOR YOUR ERROR JUST GET IT DONE PLEASE. SO A WEEK WENT WHEN BY I CALLED AGAIN ONLY TO BE TOLD HE DID NOT SEE A WORK ORDER ESCALATED AND HE WOULD HAVE TO DO ONE. HE APOLOGIZED AND I AM LIVID. I GAVE THEM XXXX AND I HAVE NO TITLE. I ASKED TO SPEAK TO A MANAGER AND SHE SAID " THE ONLY '' THING SHE COULD DO WAS SEND AN EMAIL TO THE DEPARTMENT TO CREDIT MY ACCOUNT. AGAIN NOTHING!! I CALLED MONDAY, XX/XX/XXXX TO BE TOLD THE REASON I DON'T HAVE MY TITLE IS BECAUSE MY ACCOUNT IS STILL OPENED BECAUSE I OWE PRINCIPLE OF {$130.00} ..WHATTT!!!! BECAUSE YOU PUT MY MONEY IN A SUSPENSION FILE AND IT SAT THERE MY ACCOUNT WAS PASSED DUE, PER THE ONLINE PAYMENT HISTORY AND I MAY NEED TO PAY THE PRINCIPLE IN ORDER TO CLOSE OUT THE ACCOUNT, IT IS XXXX 'S ERROR NOT MINE. JUST RECENTLY I SEE MY XXXX POSTED ON LINE AS OF XX/XX/XXXX, JUST LIKE I SAID I PAID IT. ONCE AGAIN, I WAS TOLD THEY WOULD NOTE ALL OF THIS AND SEND IT TO THE DEPARTMENT THAT CLOSES THE ACCOUNT I TOLD HIM TO ADD TO IT THAT I GOT AN EMAIL STATING THEY GOT MY MONEY XX/XX/XXXX AND MY PAYMENT HISTORY SHOWS THE MONEY WAS POSTED ON XX/XX/XXXX AND MY AMOUNT DUE IS XXXX ( XXXX ) AND NOT {$130.00}. HE TOLD ME TO CHECK BACK IN XXXX HOURS AND EITHER THEY WILL CLOSE MY ACCOUNT AND SEND OUT MY TITLE OR THE WORST SCENARIO I WILL NEED TO PAY THE PRINCIPLE DOLLARS FOR THE ACCOUNT TO CLOSE. 
I DID WAS I WAS SUPPOSE TO, WHEN I WAS SUPPOSED TO AND KIA FINANCE OF AMERICA IS HOLDING MY TITLE XXXX. 
PLEASE HELP A CONSUMER WHO PAID HER LEASE EVERY MONTH ON TIME AND JUST ASKING WHAT IT LEGALLY AND RIGHTFULLY MINE, MY TITLE, SO I CAN SHOW OWNERSHIP OF MY CAR, ONCE AND FOR ALL!!! 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act public record XXXX XXXX XXXX XXXX XXXX XXXX XXXX  REF # XXXXXXXX XXXX XXXXXXXX Acct # XXXX, XXXX XXXX XXXX  XXXX Acct # XXXX Are all Fraud accounts and Public Record. 
15 U.S.C 1681 section 605B states the of information resulting from Identity Theft. I was XXXX XXXX XXXX when these Fraud accounts and public record was Incorrectly and Fraudulently was placed on my credit report. These items has hurt my credit integrity and has stopped me from receiving jobs, apartments, and the chance buy a car. These Fraud items needs to be REMOVED and DELETED from my credit report to show accurate and true information on my credit reprt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/2022 I became aware of a fraudulent hard inquiry on my XXXX Credit report from American Credit Acceptance. I called American Credit and informed them that I had not applied for credit. I filed an FTC identity theft report and a police report with local law enforcement. On XX/XX/2022 I mailed via certified mail copies of the FTC and Police report and a letter stating that I was a victim of identity theft and that the inquiry on my credit report from American Credit was not valid. American credit received these documents on XX/XX/2022. American credit responded that they would not remove the inquiry in clear violation of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax, You have 3 late payments listed on an account that was NEVER late. The account I'm referring to is with XXXX XXXX XXXX. I've never missed a payment ever since opening the account and my payment history reflects my good standing and faithfulness. 

I previously tried correcting this mistake and as a consumer, I trusted you to fix the information. 

Please note that I have opted out in writing to your forced arbitration terms and will be seeking legal relief if this is not resolved appropriately. 

Sincerely, XXXX XXXX
Product: Credit card

On XX/XX/XXXX, I made a payment of XXXX to pay the entire account balance of XXXX $ that was non deferred. Synchrony decided to only apply XXXX $ towards the non deferred balance and applied the rest to deferred balances not due for 1-11 months. Then proceeded to charge me XXXX $ in interest that accrued as a result of their decision. I contacted a person on their chat. They told me they could not help, but would make a request to have it adjusted that would take 1-2 months. That was unacceptable as I need to know what non deferred balances are due and what deferred balances need to be paid each billing cycle.
Product: Payday loan, title loan, personal loan, or advance loan

I want return an installment loan sent to me XX/XX/23 because I wanted only {$920.00} and the finance charge is $ XXXX. APR is 700 % I have sent a request to cancel, as instructed, however the loan company gives only 24 hrs to do so. I want to cancel this loan and all future payment obligations. I want to return funding, principal so that obligations for this loan under this agreement will be rescinded. 
I do not appreciate a predatory loan causing great financial difficulties.
Product: Credit card or prepaid card

I made a purchase XX/XX/2018 at XXXX . The order had problems. I used return label provided and returned about XX/XX/XXXX XXXX 2018. I never received the credit so I disputed the charges since items were returned. XX/XX/2018 I files a complaint and Ms. XXXX XXXX of XXXX  exec office contacted me by e-mail. I replied several times but still no credit issued. I e-mailed in XXXX and XXXX. I called XXXX maybe XXXX and XX/XX/XXXX and XX/XX/XXXX. She finally posted one credit but all of the late fee remained. I have late fee and negative report on my credit. XXXX told me I could pay and wait for refund. Why should I pay what I don't owe? I won't and I didn't. I received a bill for {$130.00} late fee on top of late fee.
Product: Debt collection

I am XXXX XXXX and XXXX am submitting this complaint myself and there is no third party involve.I 'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on JEFFERSON CAPITAL SYST. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit card or prepaid card

Over the past 30 days i have called customer service 6 times. First time they answered and assured me they were sending a replacement card. 2 weeks later still no card. I have called 5 times since then and 2 times i was on hold 2+ hours no answer. Other time an hour no answer. I have had 3 deposits on my card and can not accese my cash. Im livid and need my cash. Please help.
Product: Credit card or prepaid card

There were account open for capital one Bank USA NA.XXXX XXXX XXXX UT XXXX onXX/XX/2019 which I didn't open..I had call capital one creditor there don't see anything on file on my name. Could you please check it out for me please thanks
Product: Prepaid card

There was an authorization hold placed on my car by a hotel a little over a week ago I was told in the past that, as soon as the hotel releases, the authorization hold that I receive my money back. I also have been given the option to submit a document from the hotel, stating that I am at a XXXX balance, and they can release the authorization hold. 
Its been over a week. I provided them with all the documentation and they are refusing to let the hole go and they started making up stuff about the charges from this hotel. I already received a XXXX dollar refund because I was overcharged by XXXX bucks and I still have not gotten that money back in my account. That proves that they are intentionally holding money. They refused to explain why and theyre being really rude about it. They said at first XXXX days and now theyre saying XXXX days.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I made a transaction with Coinbase.com. I made each transaction of {$1000.00} to buy bitcoins. They promised money will be available to withdraw in 5 days. Since 9 days left funds are still not available to withdraw. Their telephone people are basically robots and they don't answer their email. That charged my checking account for {$1000.00} and I think I will never get it back. I also contacted my bank, but since it's a transfer they told me I have zero chances to get money back.This company is a scum since they don't communicate in any way. my account with Coinbase is XXXX. Thanks for your help. XXXX XXXX
Product: Mortgage

Over a month ago we called Freedom Mortgage after we received a letter from the bank, XXXX XXXX, letting us know the Escrow check that we cashed did not go through and was denied by the paying financial intuition : Refer to Maker. This letter from XXXX XXXX was issued on XX/XX/XXXX. We attempted to cash the check on XX/XX/XXXX. 

This was the second escrow check we requested from XXXX XXXX as our initial check they sent us never made it to our house. We had to call and request a new one be issued and sent to us. As stated in our note from Freedom Mortgage " An escrow surplus check XXXX, which was sent to you on XX/XX/2023, in the amount of {$540.00}, was voided on XX/XX/2023, and reissued on XX/XX/2023, with the check number XXXX. Further we reviewed and determined that the check number XXXX was cashed on XX/XX/2023. Enclosed is a copy of your payment history for your review and records '' The issue lies that we NEVER received the money as XXXX XXXX was unable to retrieve the {$540.00} from Freedom Mortgage. We have made multiple attempts to further understand why the XXXX institutions do not talk to one another, but we have not seen the {$540.00} and have made multiple attempts through all of Freedom Mortgage channels. We have also called XXXX XXXX Multiple times to ensure we are not missing anything and the money was not placed in our account. All their records indicate they were unable to retrieve the money.
Product: Credit reporting or other personal consumer reports

I was looking at my credit report and noticed that there are hard inquiries that are not mine on there.
Product: Checking or savings account

there was 2 unauthorized use on my account back on XX/XX/year> by XXXX for {$13.00} and {$57.00} and again on XX/XX/year> for {$36.00} showing in Washington DC at around the same time I used my physical card at an atm in XXXX Pa and again at a XXXX in XXXX XXXX there wew other charges to XXXX and XXXX and i had contacted those companies and they had found that my card was used on accounts that were not associated with me and returned the funds as they found this to be the cause of a card skimmer. i had tried to contact XXXX  for this matter and was told it could take up to 6 weeks for a return call. i contacted Propel for assistance before the time to do so had past and they quickly ended the investigation saying no errors occured because The information provided by the merchant matches information that we have on file. i asked what information and who they spoke to so quickly. When I first contacted XXXX to inquire about the charges they had told me they were unable to locate an account in my name and when i told them i dont have one i never did they and gave them some information on my card they told me they do see the card used on a account in a different name but thats all the could tell me. I do not feel Propel did any investigation into this
Product: Debt collection

I've recently noticed a derogatory line for a collections on my credit report from LVNV Funding, LLC. I have never received any form of Initial communication or dunning letter stating anything about a debt. This just showed up on my credit report without knowledge of what this is or any validity to it. If there was a form of communication or notice received in I would have been able to dispute or validate this alleged debt. However, this was input on my report in the middle of me closing on a home which has caused major issues when this simply hit my credit report out of nowhere. I am disputing the validity of this debt. I am requesting validation of this account per the Fair Debt Collection Practices Act Sec. 809. I would like to acquire the following information for the purpose of validation : Documentation from the original creditor of the following ; Original date of default or non-payment of the debt The last valid payment toward the above creditor Name and address The original balance The date of transfer from the original creditor to the debt collector. The date ; in which LVNV Funding, LLC sent me notification of this debt or any attempts at all to collect. The billing statements of this debt to prove the amount of debt alleged to me per FDCPA Sec. 809. ( a ) Notice of debt ; contents This is not an acceptance nor acknowledgment of this debt. If LVNV Funding LLC can not provide the following evidence within 30 days of receipt, all consumer reporting agencies must be notified to delete this trade line and cease collections of this debt Sec. 809. ( b )
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

Account name : Vystar I do not recognize these accounts and reported fraudulent accounts to FTC. 
I demand a Method Of Verification to verify the source of information. This account is reporting as a charge-off and Ive had no 1099-c presented as well.
Product: Debt collection

Complaint against LVNV Funding LLC for failure to verify debt and improper credit reporting I am writing to file a formal complaint against LVNV Funding LLC for its refusal to verify a debt and its unjustified reporting to credit bureaus. The actions of this debt collection company not only violate my rights as a consumer but also demonstrate a disregard for fair debt collection practices and responsible reporting. I kindly request your intervention in this matter to ensure that appropriate action is taken against the company. 
On XX/XX/2023, I received a collection notice from LVNV Funding LLC, claiming that I owe a debt to XXXX  XXXX. In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), I promptly requested verification of the debt and provided the necessary information to LVNV Funding LLC. However, despite multiple attempts, the company has failed to provide any substantial evidence validating the debt in question. 
Furthermore, despite the lack of verification, LVNV Funding LLC has continued its reporting of this debt to the credit bureaus, resulting in negative marks on my credit report. This unwarranted reporting not only damages my creditworthiness but also violates the Fair Credit Reporting Act ( FCRA ), which requires accurate and substantiated reporting of consumer debts. 
The actions of LVNV Funding LLC have caused significant distress and financial harm. I believe their behavior is not only in violation of the FDCPA and FCRA but also indicative of a systemic problem within their debt collection practices. I kindly request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take appropriate action to rectify the situation. 
I respectfully ask that the following actions be taken : Conduct a comprehensive investigation into the debt collection practices of LVNV Funding LLC to ensure compliance with the FDCPA. 
Require LVNV Funding LLC to provide valid and substantiated verification of the debt in question. 
Instruct LVNV Funding LLC to immediately cease all reporting of this debt to credit bureaus until the verification process is completed. 
Impose appropriate penalties and sanctions against LVNV Funding LLC if found guilty of violating consumer protection laws. 
Enclosed with this letter, please find copies of all relevant documents, including the collection notice, my verification requests, and any correspondence I have received from LVNV Funding LLC. 
I appreciate your attention to this matter and your efforts in protecting consumer rights. I look forward to a prompt resolution of this complaint and your assistance in holding LVNV Funding LLC accountable for their improper debt collection practices and unjust credit reporting. 
Thank you for your time and consideration.
Product: Mortgage

I had previously filed a complaint against Flagstar Bank back in 2014. You should have that complaint on file. Since that time we have gotten no where with the bank. The home was vacated in 2014, we tried to do a cash for keys, a deed in lieu of foreclosure, and a short sale. No one from the bank would answer me, the realtor selling the home or our attorney. We had XXXX offer and the bank would not respond. They just continued asking over and over for the same documents. Once they were sent they would wait a few months and then say they needed new ones or claim they were never relieved. These documents were sent by myself and the realtor. All to no avail. I see a settlement was reached with Flagstar but I see no difference in their mortgage servicing practices. They give me a phone number, but no one answers that phone, you leave a message and no one ever returns your calls. Then every six months or so they send me a new letter and claim they are closing their file because I did not provide them with the information they requested. This is just not true, everything they ever asked for was sent. I also complained to the attorney general in the state of MI, but they referred me to your office.