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

I am writing this letter because I have a grievence with the Company called Check N Title with offices located in XXXX TX. I took a title loan out at the XXXX XXXX location in XXXX, TX. 
The short of it is : I originally did a title loan In XX/XX/2017 for {$1000.00} dollars, with agreement of paying {$100.00} payment a month. The was suppose to be a six month loan ending in XX/XX/2017, with option to renew it. 
I originally paid {$100.00} dollars thinking that the payment, only to told that I needed to come back next Friday and make the 2nd {$100.00} payment. I replied what for? She said because your next payment is due in a week. I thought the that was the payment for the month. 
Charged a {$100.00} late fee. And if I dont pay it my vehicle will be repossessed I forced into signing a new contract in XX/XX/XXXX and I didnt agree if would I be in default and my vehicle would be repossessed. They told everything was the same they just had to update the system. 
The was a lie. They changed the dates of the contract and renewed it without my consent. I asked to see the contract in complete to review it. They said they couldnt but not to worry everything was still the same. Then they demanded that I pay {$300.00} instead of {$200.00}. I had the {$200.00} but they refuse to take it. The lady stated the payment is {$300.00} dollars and nothing less would be accepted. 
Well. In summary. That has been the nature of dealings with this business. 
When I came in to pay I was told owed more and that would need to pay lest I be in default and have my vehicle repossessed. When I came to make the payments I was told I needed to pay another {$100.00} dollars. I had the money to make the payment in hand showing it to them, and they refused to take it without another {$100.00} dollar late fee. 
Subsequently, I have paid {$1200.00} dollars to Check N Title already in payments and late fees total. Their has been no application to the principal of the loan whatsoever. They state that all the money I have paid has gone towards the finance charge of the loan, and that I have not paid I am requesting the State Attorney Generals intervention, involvement and investigation into my relationship with this business and ( this companys business practices ) My concern is that if they can be so casually dishonest and fraudulent with me, that they practicing the same dishonesty with other clients. 
I was to lied time and time again. 
I exhorted for money under false terms. 
I was constantly threatened repossession. 
Engaged and engaging in Deceptive business practices Fraud, Extortion, I  feel like the real intent is not for me to repay the loan, but to extort as much mon money as possible, through deceptive policies, exorbent fees, refusal of payments, continual threats of repossession, and in the end selling the vehicle to profit more money.
Product: Vehicle loan or lease

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 to 2 states I have the rights to privacy ( 15 USC 1681 ( section 604a section2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

Over the last two plus years I 've received phone calls from CMRE, a debt collection company claiming I owe a hospital bill, but they will not provide me with proof. They 've called from numerous phone numbers in an attempt to disguise their identity when they call. I had not heard from them in close to a year, but they have begun to call again. The last phone call received was XXXX/XXXX/16 from XXXX.
Product: Credit reporting or other personal consumer reports

This is the letter sent to Equifax! 

Equifax Information Services, XXXX XXXX XXXX, XXXX, GA XXXX Dear Equifax, I am writing this letter to dispute certain information that is falsely listed on my the credit report referenced below. 
The collection account redeemed or reinstated repossession of an obligation with XXXX XXXX XXXX is incorrect. The following is the identifying information of the error : Account # XXXX amount XXXX. 
Date of incorrect reporting : XX/XX/XXXX Explanation of my dispute : This account was opened on XX/XX/XXXX for 51 months leased term. It has been XXXX XXXX XXXX XXXX XXXX now and it should no longer appear as a collection or reinstated ; This is my second request asking your agency to remove the unverified account listed above that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. 

This account should not be listed on my report ; the creditor misreported my account, and all my payments were completed throughout the 51 months lease terms ; This account has not being verified under Section 611 ( 5 ) ( A ) of the FCRA - you are required to promptly delete all information which can not be verified. 

Please let me know if any additional information is necessary to remove the redeemed repossession or reinstated from your records. I appreciate your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor is trying to pull my Equifax credit report and says that my credit is frozen and I know for a fact that its not. I called Equifax and they stated that my credit is not locked and I need to mail in proof of my identity to resolve this issue. I have completed multiple disputes within the past 30 days and I did on over the phone verification and I uploaded my drivers license, social security card and utility bill to the Equifax and still they wont release my credit report to the lender. Why do I have to keep sending my identification? I uploaded it in their system, and I overnight mailed it to the office in XXXX, XXXX Why cant the creditors pull my credit. I NEVER gave Equifax the authority to block my credit profile. This is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. XXXX have not engaged with me in any contract nor services or goods exchanged, therefore I have no legal obligation to XXXX. 
XXXX. I am being extorted by fraudulently posting incorrect information on my credit report to " pay to delete '' illegally furnished data to XXXX and Equifax. 
XXXX. I have requested the following from Equifax and XXXX and have only received that it is verified but did not provided proof : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any Insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Amount of alleged debt. INCORRECT REPORTING Date this alleged debt became payable. INCORRECT REPORTING Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt Commission for debt collector if collection efforts are successful. 

It is illegal to furnish incorrect information on my credit report.
Product: Student loan

I have been making payments on time every month for over a year to Navient. But instead of my balance getting lower it has not moved. In addition, I was encouraged to take a forbearance over and over when I inquired about my payments.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : 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. This fraudulent, inaccurate, and false information consists of a collections account opened at DEPT OF ED/AIDVANTAGE on XX/XX/XXXX with a balance of {$15000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Student loan

In violation of the provisions of the CARES ACT, my student loan servicer, Navient, is requiring me to start repayment of my DIRECT Loans in XXXX and XX/XX/XXXX, instead of rolling my loans into the COVID-19 Emergency Relief Flexibilities, which were extended to at least XX/XX/XXXX. ( see below ) https : //studentaid.gov/announcements-events/coronavirus I spoke with navient today ( XX/XX/XXXX ) at XXXX. She stated it is most likely a coding issue, but was unsure. Was recommended to wait until I graduate next month to see if I am automatically put into COVID deferrment. I am concerned because I do not want navient to send late payments or errors to the credit reporting agencies.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX XXXX XXXX  XXXX ( XXXX  ) ( XXXX ) XXXX -- XXXX ( XXXX  ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed items to be blocked and deleted company information from TransUnion. 

Please delete the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

As I reviewed my credit reports I noticed SCA Collections was reporting a collection account on my credit. I never had any dealings with SCA Collections nor any type contract with them. I disputed the item with the credit bureaus and the item came back verified. still unsure of this debt and most certain i do not owe them i reached out to SCA Collections personally requesting proof of supporting documents they had to show me owing them and demanding that the item be removed from my credit reports. SCA Collections replied back that they didn't have substantial proof and that they're just a debt collector. If I wanted any additional information that i should reach out to the company they are collecting on behalf of directly. I called the company directly and they said they couldn't discuss anything and that i should contact SCA Collections directly. this item should be removed from my credit reports immediately as I do not believe this to be accurate or factual and have received no Information from SCA to prove they are.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit karma repeatedly gave me approvals and had me apply for cards then affecting my credit score. They would say I was approved for loans then transfer me to Al these different sites followed by continuing harassment from multiple loan companies connected to their sight.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my countless attempt that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. 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 listed items below : XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXBalance : {$4100.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX Balance : {$6000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

DISCOVER FIN SVCS LL ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX, XXXX : XXXX, XXXX, DE XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you DISCOVER FIN SVCS LL or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : DISCOVER FIN SVCS LL or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX , XXXX XXXX, FL XXXX
Product: Checking or savings account

My name is XXXX XXXX. I am reaching out because I have been a customer with Bank of America since 2019. On XX/XX/XXXX at approximately XXXX I received a message from Bank Of America Security XXXX with unauthorized transactions. I did not authorize any transaction so I replied NO. I received another message stating I will be receiving a call shortly. I received a call at approximately XXXX. Once I answered the representative stated that he is in the bank of America fraud department and that he was going to help me out to open up a new account and transfer my funds because someone is using my card and has my information. He told me that I have the right to press charges and that there is an open investigation and my account is on 24 hr hold and being monitored. I only trusted this because it was coming from my bank and I just lost my card last week so it didn't seem suspicious that someone was intending to use my funds. The representative told me to XXXX him I asked Why would I have to XXXX? '' He explained that my card and information was compromised and I would lose all my funds if I didnt transfer it out the account. He told me to XXXX  a number and put my name in the message I did that twice and it wasn't working he then told me to cancel and try again with his colleagues number because he's assisting with the investigation I sent {$1500.00} through XXXX  to my Bank never authorized sending {$1500.00} to a complete stranger that had my bank information! He then told me to XXXX {$1200.00} as soon as I sent the XXXX I received a message from bank of America stating bank of America will never ask you to transfer money at that point I knew it was a scam I canceled the {$1200.00} transaction and I tried canceling the {$1500.00} but it was too late the transaction completed. I hung up on him and immediately called the bank. He began blowing up my phone and calling me multiple times. I did not answer waiting on a response from a representative to see if they really had someone from the fraud department reach out to me. They stated no and that it was a scam. I am in disbelief, shocked and scared that this happened to me. I really hope you guys look over everything and can help me get my money back. I just got paid after working more than 40 hours and That's the money I have been saving for my deposit because I have to move by next month. I can't believe this happened to me and that I got scammed by someone who pretended to be my bank! Please Help me. I need my funds Back. My bank Bank Of America ISNT DOING ANYTHING TO HELP ME. XXXX IS OWNED BY 7 BANKS AND BANK OF AMERICA IS ONE OF THEM AND THEY CANT DO ANYTHING TO HELP ME. THEY ARE HANGING UP ON ME, TRANSFERRING TO DIFFERENT DEPARTMENTS AND NO ONE CAN HELP ME THEY THINK THIS IS A AUTHORIZED TRANSACTION WHICH IS NOT BECAUSE OBIVOULSLY SOMEONE PRETNEDED TO BE THEM, PLEASE HELP ME!!!
Product: Mortgage

My mortgage servicer, Freedom Mortgage, sent me someone else 's full packet of mortgage info, including a great deal of protected information such as social security numbers.
Product: Debt collection

I have a duplicate collection listed on my credit report from XXXX XXXX XXXX. TransWorld Systems claims to be the agency that should be collecting I did pay them about XXXX dollars in the past, but now XXXX XXXX is claiming I should pay them. I can never reach anyone from XXXX and had to ask XXXX XXXX XXXX SEVERAL times who indeed I should be paying they told me XXXX XXXX but would not put it in writing. I asked the electric compnay if i could pay them directly and they said yes. The debt still remains after disputing with all three bureaus and specifically asking them all to confirm with the electric company WHO is the owner of the debt. They both still remain on my credit report. My ex, an electrician rigged the electric attempting to avoid his portion of child support. He admitted it but I am still being held responsible although he offered to take responsibility. How did electric get taken without anyone knowing including me to the tune of XXXX? Are the duplicates being ignored because I am branded a theif? Not fair. I dont have any track record of being a thief and he should be held accountable. Not me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Debt collection

Southwest credit systems, XXXX XXXX XXXX, XXXX, XXXX  XXXX  XXXX  XXXX. I do not owe I sent by mail all its equipment and demanded a return to remove affixed  stuff. XXXX  was paid and theres no remaining cost
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX has violated my rights. Or list of inquiries 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.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit and shows the following incorrect information is being report. 

Late payments : XXXX XXXX XXXX XXXX reported late XXXXXX/XX/XXXX, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 XX/XX/XXXX
Product: Debt collection

I have never received an itemized bill for the charges and the medical bills listed on my credit violate HIPPA. My medical information should be protected
Product: Credit card

I need your help investigating accounts from companies that continue to report late payments inaccurately. I was laid off and requested forgiveness for these payments, which they approved, yet the reports still show them as late. I have reached out multiple times with no response, leaving this as my final effort.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account appeared on my credit report from XXXX XXXX XXXX on XX/XX/2019. This account does not belong to me and should to be removed immediately.