23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I took out a Title loan in XX/XX/2023. Titlemax broke the loan into 2 parts. 1 part was a title loan and the second part was a flex loan. Both were {$2500.00} loans. I have made payments that started in XX/XX/2023 on the XXXX of the month ( Title loan ) and the XXXX of the month ( Flex loan ). Each month all payments have been made on time! Starting friday the XXXX day of XXXX Titlemax website has been down and the Titlemax cell phone app as well. Attached documents reflect that! I called the local office on XXXX XXXX to let them know the issue. On XX/XX/XXXX, I called the local office and ask why it was not fixed. I got a song and dance answer ... '' Our office is having issues as well ''. I can't view my account or make a payment using either the website or the cell app. The office suggested I pay over the phone. I asked " when will i get a receipt? '' Response was they will snail mail it to me. I have followed these payments for the past 3 months and I can not and do not have the ability to pay this loan off with the interest rates and fees that they are charging me. I am currently on Social security and have a limited fixed income. The interest rates were never discussed at the office when the loans were finalized. My flex loan monthly payments have actually risen each month and I have documentation to reinforce my allegations. How is that possible when I have made my past 2 payments on time. I was told the first 3 payments of each loan would be mostly fees and interest.3 % of the payment would be applied to the principal! Why is my loan payments rising each month of the flex loan if I am making payments on time? 
I would like to speak with someone about this matter. I called the local office again at XXXX on XX/XX/XXXX and got yelled at and told that she couldn't help me with the website issue and I asked for her district or regional/district mgr and she stated that could not give out that information and I responded well have them call me. Then she raised her voice and said that she didnt have time to mess with this and i responded dont talk to me that way, ,I will take it up with corporate and that I was done talking to her XXXX XXXX and hung up .I then called corporate office and got a no operator response and for me to leave a number and they would call me back., I am seeing a pattern of bad business practices and I feel I have been taken advantage of. Plz call me and discuss this.
Product: Money transfer, virtual currency, or money service

On Saturday, XX/XX/XXXX, my roommate transferred me {$2000.00} using the Chase mobile banking app, as she had done many times before. I have a Chase bank account so the transfer should have gone through immediately, as it is supposed to. About 30 minutes after, I get a text from XXXX XXXX XXXX saying that my account will be credited this {$2000.00}. I do n't have a XXXX XXXX XXXX account so this was my first red flag. We both went into a Chase and they said not to worry and just to wait a few days. After a few days, we contact Chase and they say we have to contact their claims department to get the money back. My roommate does so and they deny the claim several days later, saying it went into a XXXX XXXX XXXX account and that XXXX XXXX XXXX has to do something. For the next two months, we go back and forth between XXXX XXXX XXXX and Chase trying to get our money back. Each one blames the other and both lead us on wild goose chases through a chain of phone calls. The transfer was done using XXXX, which is a third party company that Chase and many other banks use so we also contact them after giving up on Chase and XXXX XXXX XXXX. Both XXXX and XXXX XXXX XXXX say this is a Chase problem since it was done using their app and since we are both Chase customers. Chase refuses to handle it since they said everything was " done right on our end '', even though clearly not since both of us are out {$2000.00}!!!!!!! They say that it has something to do with my phone number and that even though I had updated it on the app, it did n't go through ( which i was NEVER made aware of! )  because it is linked to a XXXX XXXX XXXX account, even though I have had this number for over 1 year. Regardless, a bank transfer should never go through using someone 's phone number!!!! They make me think it is fraud so we go and file a police report with the XXXX XXXX Police Department who then tries to get in touch with both XXXX XXXX XXXX and Chase. Both banks STILL wo n't cooperate even with the police! I even called the Chase Executive Customer Service number and submit a complaint on the XX/XX/XXXX and have yet to hear back from them. They are absolutely refusing to cooperate, even though it was their app that made us lose our money. Please help!!!!!!!
Product: Vehicle loan or lease

I am writing to formally dispute the validity of an auto loan account appearing on my credit report. Pursuant to my rights under ther Fair Debt Collection Practices Act ( FDCPA ). Specially 15 U.S.C. 1692g. I am requesting detailed Validation of the debt in question.

XXXX XXXX  XXXX Owed to Primer Acceptance
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. XXXXXXXX XXXX XXXXXXXX, Number : XXXX
Product: Consumer Loan

I applied for a vehicle loan and was told that I had a repo from new city funding. I have never had a loan through them, so I checked my credit report and did n't see it, finally I found it. Only listed on XXXX of the credit agencies. Somehow I was added to a loan in my fathers name fraudulently, most likely though the dealership he purchased it from ( which is no longer in business they were shut down due to fraud ) they had my information because I almost bought a truck from them. ( XXXX in XXXX ny ). On XXXX 's credit report for me it shows it was updated in XX/XX/2017 with the creditor new city funding stating the amount owed on the loan is {$6700.00}. I reached out to new city funding in hopes to get this removed off my credit report by just settling the debt for my father. I offered them {$4000.00}. they replied back and said the total amount owed was {$11000.00}. Which is not the amount owed. It also states on my credit report that the original amount was {$8000.00}. They have recovered the vehicle and sold it at auction. So with that the debt would go down. No way the debt is {$3300.00} higher than the original amount. I called them out on this with photos of the credit report, now they refuse to reply to me through email. I wanted to talk to them through email so that I had my own record of everything they said. This company is trying to take advantage of people.
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report and saw an unauthorized inquiry on my report. These unauthorized inquiries are in violation of the Fair Credit Reporting Act 15 U.S.C 1681. 15 U.S.C 1681b states A person shall not use or obtain a consumer report for any purpose unless 1. ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and 2. ) The purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). I have never authorized any transactions with the following company ( XXXX XXXX XXXX ) As well as I do not have an account as defined under 15 U.S.C 1693 ( a ) 2 with ( XXXX XXXX XXXX ) of any sort. 

In regards to The company ( XXXX XXXX XXXX ) has misused the private/personal information associated with my personal consumer report by using my information for personal financial gain for the betterment of their company. They ignored my communications & refused to cease and desist obtaining my personal/private information from any credit reporting agency. The company refused to remedy the matter professionally without any trusted third parties having to intervene into the matter. In addition to the rampant fraud & identity theft the company ( XXXX XXXX XXXX ) keeps taking part in they refused to pay me the consumer/beneficiary the entitled payment that was compensation for the violation ( s ) that kept recurring. I also gave them written notice that if such attempts kept being made against me the consumer/beneficiary that there would be legal actions taken. And it should be taken very seriously as this matter is represented in a trust matter.
Product: Mortgage

We unfortunately got transferred to Mr. Cooper from another company that we loved. I made a payment on XX/XX/18 in the amount of {$270.00}, but they didnt remove it from the amount owed. I have spent countless hours on the phone trying to get it fixed, only for them to fix the total I owe and then revert it back like we hadnt paid anything. This company is ridiculous and trying to scam people out of their money. There have already been lawsuits filed against them and I have no idea how they are still in business.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Everything has to be 100 % accurate on my credit. XXXX Account #, has violated my rights. 

The credit bureaus stated my account was properly investigation but how is that possible if the status update is different each bureaus, all XXXX bureaus payment history is inaccurate, and past due amount last reported is are all different and not correct its showing different account types on all 3 bureaus swell which This is ground for removal they also violated my rights under, -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 ALL NEGATIVE ACCOUNTS LISTED BELOW -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The account balance reported by the credit bureaus for my XXXX XXXX account contains discrepancies : XXXX : {$500.00} Experian : {$0.00} XXXX : {$760.00} This inconsistent reporting violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which mandates that credit reporting agencies ensure the maximum possible accuracy of the information reported.
Product: Debt collection

In XXXX of 2021, I disputed an alleged debt with a debt collector named LVNV Funding LLC, LVNV bought this debt from XXXX XXXX XXXX. LVNV Funding LLC later removed the alleged debt from my credit reports after seeing that I was a victim of identity theft. This alleged debt hindered me from accomplishing my credit goals and negatively affected my credit scores. My rights as a consumer were violated under 15 usc 1681b ( 2 ) " in accordance with the written instructions of the consumer to whom it relates ''. 
I have attached a letter of correspondence of admission and deletion.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00}
Product: Debt collection

Has contacted my husband repeatedly after my request for them not to/ and my husbands request to them not to contact him Portfolio Recovery offered a debt settlement and I accepted via mail and sent two checks to them post dated for XX/XX/XXXX. Portfolio Recovery attempted to cash one check on XX/XX/XXXX which resulted in a overdraft fee to my checking account / on Friday of the same week Portfolio Recovery returned my other check and stated then that they do not accept post dated checks. A stipulation not in the original agreement. The second check and both payments for the two accounts were rejected by Portfolio Recovery. They resended the debt settlement offer. They have insisted to have direct access to my checking account upon which I have refused. In turn I asked to set up a payment plan in writing asa formal agreement from them to me so I could settle my debt. They rejected my offer to pay them via an agreement that did not include my permission to them to access my checking account. They would not take any other form of payment other than a direct bank draft.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is aimed at the three credit bureaus ( XXXX, Experian, and XXXX ). 

Although the actions described below are legal according to the Fair Credit Reporting Act ( FCRA ), the result of the misuse of credit reports and personal information creates an undue hardship for consumers. 

My situation began on XX/XX/2022. 

I had submitted a loan application with a local mortgage lender, and got pre-approved. My credit is solid, and my household income allows me to afford a home purchase. 

Following being pre-approved, I was bombarded with solicitation calls and text messages. On Monday, XX/XX/2022 I received about 37 calls from different lending institutions soliciting me for my business. Let me repeat that ; OVER 37 CALLS!! That's insane, and I've never experienced something like that before ; certainly not when I bought my last home. 

I am filing this complaint as a record because I will also be reporting them to the XXXX as well as writing my congress person to speak about change. These companies need to know their place in society, and selling consumer information for a profit is not where they belong.
Product: Debt collection

Based on information provided by Cedars Business Services, I responded in writing multiple times laying out the facts of the transaction based on information they provided. My letters were never directly acknowledged, nor did they respond to the facts presented. 

The letters I sent to Cedars Business Services are attached. 

The bottom line : According to the following definition, I am a bona fide purchaser for value and did not incur the debt Cedars Business Services is trying to collect. To the best of my knowledge Cedars Business Services has not attempted to collect the debt from the " party who fraudulently transferred the property to the bona fide purchaser. '' A bona fide purchaser for value, good-faith purchaser, innocent purchaser for value, purchaser in good faith. Innocent purchaser of property who purchases for value without notice of any other partys claim against the property. So long as a bona fide purchaser properly records the transaction, the bona fide purchaser takes good title to the property despite competing adverse claims. Those parties holding competing adverse claims may bring an action only against the party who fraudulently transferred the property to the bona fide purchaser.
Product: Credit reporting, credit repair services, or other personal consumer reports

a lot of information is invalid on my credit report. I am disputing all incorrect information on my Experian credit report to help my file.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX-remove line per FTC, XXXX & police XXXX XXXX XXXX? XXXX XXXX XXXX XXXX? XXXX XXXX XXXX taken out fraudulently-still paid in full-XXXX  balance, never late, never charged-off or sent to collections Delete " Dergoatory '' status under Account Details & in collections/charge off from account status-there is no collection or charge off account-line does not even exist on on other reports... 

Delete-comment " Payment after charge off/collection Purchased by another lender ''
Product: Student loan

Saw the CFPB suit against Nelnet. I 've experienced  XXXX  of the allegations plus an additional problem.    1.  Fails to correctly apply or allocate borrower payments to their accounts. I had problems making early payments while still in sch ool. Nelnet t old me that any payments provided early would go to " anticipated interest '' rather than the principal. Additionally, there were errors early on in how my payments were applied across multiple loans amounts.   2. Steers struggling borrowers toward paying more than they have to on loans. Experienced this during  XXXX  school on my  XXXX  loans. Was not informed adequately about repayment plans that allow for a lower monthly payment, steered towards forbearance for 2 years.    3. Change  in type of loan. I initially was given  Direct Federal Loans,  when transferred to  Nelnet, the y removed the " direct loan '' distinction. This hurts me under the  Public Service Loan Forgiveness ( PSLF ) program, because PSLF a pplies only to    Direct Federal Loans.
Product: Credit card

opened up a credit card with amx. 

Had auto pay set up, it didn't go through, i caught it 5 days after, and paid it off asap. 

The won't waive the interest charge of {$51.00}, customer reps are very rude and won't let me escalate this issue
Product: Credit reporting or other personal consumer reports

I disputed the attached accounts on XXXX XXXX XXXX XXXX I have not been notified if results, even though some of their remarks stated the bureaus received. I am requesting an investigation regarding errors that are listed on my credit report. The investigation should take place to ensure these items are correctly reporting. I have attached proof to show they are in fact NOT reporting correctly. They are showing to be in Account not disputed status, yet again have remarks of being investigated. This is a violation of my rights under the FCRA. 

XXXX XXXX  showing 30 day late status on paid account on XXXX, but is showing on time and current with Equifax. No last verified date, showing in account not disputed status. 

XXXX XXXX - paid collection should be removed due to full payment. Pay to delete agreement was put in place but clearly was not withheld. No last verified date, showing in account not disputed status. 

XXXX - No last verified date, showing in account not disputed status. Inconsistent last date of activity XXXX XXXX - No last verified date, showing in account not disputed status. Inconsistent last date of activity & open/closed account status inconsistent XXXX XXXX XXXX  - Inconsistent last date of activity, No last verified date, showing in account not disputed status XXXX XXXXXXXX - No last verified date, showing in account not disputed status. inconsistencies in closed/open status
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to formally request the deletion of inaccurate information from my [ credit report/account/profile/etc. ] with your organization. 

Details of the inaccurate information are as follows : Reason for Inaccuracy : EXPERIAN LATE PAYMENT ON FILE XX/XX/year> XXXX LATE PATYMENT ON FILE XX/XX/year> I AM requesting the deletion of the inaccurate information from ALL 3 CREDIT BUREAUS Thank you for your assistance in rectifying this issue. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I was incarcerated on XX/XX/XXXX. I was released on XX/XX/XXXX. Unauthorized, fraudulent transactions starting on XX/XX/XXXX and ending on XX/XX/XXXX took a total of {$4300.00} plus associated fees out of my account. I immediately filed a report by phone the night I was released from jail when I found out about the transactions and through the website once I was able to log in. The company denied my claim on XX/XX/XXXX saying that because my pin was used for some of the transactions, they were not unauthorized and I was responsible for them in full. I fully complied with all requests for information. They accused me of making the transactions myself and lying about it, even though I was clearly in jail the whole time this was going on. I submitted an appeal on XX/XX/XXXX. They sent me an email on XX/XX/XXXX saying they had received my appeal but they could give me no time frame on when it would be completed. That money was everything in the world that I had. My home, my car, all my possessions were lost when I went to jail. Please help me. I've always tried to do the right thing and it is unconscionable that Navy Federal Credit Union could get away with this without so much as performing an investigation.
Product: Debt collection

On XXXX XX/XX/2021 I called to inquire about a debt in collections for a hospital community medical center. I had previously spoke with the hospital who reported that the debt had been paid by insurance and the bill was sent to collections by mistake. I informed the operator ( XXXX XXXX ) about the mistake by the hospital. He reported that he understood. He then informed me that although it was my insurance he could only speak about the debt with my wife ( the individual on the bill ). This makes sense. I handed the phone to my wife and left the room. She provided her details to confirm her identify and then he attempted to have HER PAY THE BILL! He knowingly attempted to mislead my wife in to paying a debt he knew she did not owe. The action of attempting to collect this debt without informing my wife of her right to dispute the debt in this situation is illegal. I expect to hear back from the business and hope that their actions are investigated by the proper authorities so they can no longer attempt to defraud people.
Product: Credit reporting or other personal consumer reports

I've contacted Equifax multiple times to request the removal of an incorrect address and the update of my name on my credit profile. Despite speaking with representatives who assured me these changes would be made, they still haven't been addressed. These inaccuracies are negatively impacting my credit and need to be rectified immediately. See highlighted items that need to be removed.